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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

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.

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.

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

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
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

Please see this archived thread for background: http://www.fullofdeals.com/forums/finance/1139182/The overwhelming consensus was that these "colleges" are scams and that she would be better off not going there. At the time, I agreed.Now, 1.5 years later, she has finished the medical assistant program and has been working for the past 3 months making more than double what she was when she was in school. She took a federal student loan for $10k to get the degree, so she technically doesn't even have to make payments under IBR.Obviously this isn't a "rags to riches" story, but for a girl that failed out of high school and college, who reads at a 5th grade level, this for-profit program seems to be paying off.

I 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.

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 - 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

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

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

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 he said, they are sending a new car but will take 2-3 hours. I SPECIFICALLY asked him if there is any charge for this - but he said "NO because it wasn't your fault and the car was broken". It was pitch dark and some nice tourists gave us a ride to our condo as my wife and I didn't wanna stay there with our toddler. I came back to the car at 10 PM with the pick up/tow truck and swapped the replacement car. 5-days later when we were leaving HI I assured that I don't owe them anything..in fact they apologized profusely for giving me a faulty car and we were at the risk of staying in pitch dark in the remotest area.3 MONTHS fast forward... I got a letter from Avis on 04/20 that they have made repeated attempts to get ~$600 in claim from me for the incident. Turns out they were sending these letters to my former address (Where I lived over 3-yrs ago!!) and if I don't pay right away they will send to collection agency.I'm going to call them today and here are my talking points:- First, I was assured on the phone AND at the counter (5 days later) that there are no charges for me as I was given a faulty car
- Second, it has been 3-months ( how long can you take to file a claim)
- Third, I should rather file a claim with them for giving us a faulty car and leaving me and my family in danger.BTW, I had declined insurance and road side assistance as I was covered by AMEX for liability and Geico for collision and road side assistance (my personal car insurance extends to rental car for short rentals).Please let me know what I should say when I talk to Avis...what a nightmare...NEVER EVER rent from Avis again.

Hi Everyone,We are searching for our first family home in Mountain View. Inventory is extremely low and it is very hard to get your offer accepted with contingencies. Our offer has been accepted for a house. We wrote an offer that was con-contingent, 21 days close, picking seller's closing costs. We always believed that we had written a really high offer (14% higher than list) but we also feel that it is necessary in this market and the way prices are going up we are better off if we get a house as soon as we can. Another reason we believe that it was an higher offer is that house needs floors, kitchen, bathroom, dual pane windows, LARGE fruit tree removal (we want plane playarea for kids). But anyway, we were still happy until we saw a crack in slab foundation right at the bathroom door. The strange thing is that carpet had been cut open from that area before house was put on the market. We never sat down to have a peek what is inside until yesterday (15 days into contract, 7 more to go). The crack does not look very wide but it is not hairline crack either. It runs through the ground to the outer wall. We suspect that as carpet had been cut open from that place, then someone at some point suspected something and opened the carpet to check (may be a potential buyer?). That specific door does not close on jamb properly, and there is a crack in the top side of the door which looked minor before. We suspect that owner/seller agent were aware of the foundation crack but failed to mention it in disclosure. I mention this because that it may help us get our 3% deposit back if we break the deal. We have no claim because we wrote a non-contingen offer but if we could prove that seller intentionally shied away from disclosing structural fault then do we have a claim? We are first time home buyers with no experience of construction or remodeling. So, this looks like deal breaker to us. We don't want to deal with structural construction. In past we passed on houses which needed a wall removal. This looks huge to us in comparison to a wall removal etc. Please advise, do you think it is a deal breaker or should we close the deal? We are not looking forward to be back in market again anytime soon. Should we negotiate a price decrease to accommodate repair and future reselling problems because of structural fault? We are meeting structural engineer tomorrow to his opinion.

I've been a FW member for 9 years; I created a new account for this post for privacy reasons. I am making this post here because I have not been able to think of a realistic solution and I feel that the collective brain power and creativity that exists on FWF may spawn an idea that I have failed to think of.Goal: A source of income, earned working from home, greater than $500/month; ideally, greater than $700/month working ~3 hours per day. She receives medicare and medicaid- so there are limits to the amount of income she can report without losing her much needed medical benefits.She receives $660/month in SS disability now- obviously impossible to live on. I make up the difference. Her needs are greater now and I cannot make up the additional difference. My own financial situation has deteriorated and I am now supporting her from my savings- which is not sustainable. I also provide monthly income for my elderly mother who is also disabled; as her monthly social security is not sufficient. Over the years, I've provided over $250,000 in support for them along with my grandmother. At over 50 now myself, my savings are pitiful and dwindling each month. I'm becoming worried that I will run out of money one day. My FICO was 790+ for 25 years and is now 620 due to working overseas and not being aware of some oversights I made. I bring this up because any manufactured spend or AOR for cash bonuses are not possible.
Background and limitations: My sister is 53 and disabled. She is in constant pain. Her prognosis is, baring a medical breakthrough, that she will not be getting better. Further, the disease has ravaged her body. She is rarely able to leave the house. When she does, it's at night and exhausting just to make a trip to the grocery store 2x/month. She has terrible credit due to previous medical bills and lack of income. She has had 14 surgeries and, due to light sensitivity from the disease, she stays in the dark with sunglasses on- she can only use a computer for a couple hours per day because of this. We do not, and cannot, live in the same area. So, although I can teach/train her in person, she will be on her own to execute the plan.Selling on eBay is an option. But I am at a loss for what she could sell given the limited time she could be online, coupled with the physical demands of acquiring, packaging, etc etc of the items being sold.My sister's life is, frankly, not a life. I downplay the money I give her, but she feels as though she is a burden. Because of this, her prognosis, and her quality of life, she's losing her will to fight on. Besides the financial aspects, I believe earning an income would help her self esteem and sense of worth.Sorry this post is so long- thanks for reading.Ideas?...

Office Depot FAR software for the week of 04/21/2013 (one $10 AR title and one $15 AR title)
McAfee Total Protection For 3 Users [830-788] $69.99
$9.99 After $10 Instant & $60 Mfr. Mail-In SavingsTrend Micro Titanium Maximum Security 2013 [220-795] $89.99
$14.99 After $45 Mail-In & $30 Mfr. Current User Upgrade Mail-In Savings
If your Office Depot accepts printed competitor coupons: OfficeMax 20% off purchase coupon 04/21 - 04/27 (exclusions apply)
Get $6 back in Rewards per recycled ink cartridge when you purchase $50 of HP ink
--- Limit 5 recycled ink cartridges per customer.
--- Cartridges must be recycled in the same transaction as the HP ink purchase.
====================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

Product Features
Norton Ghost 15.0 provides professional grade backup and recovery--quickly restore after system failures and recover lost or damaged files
Restore from system failures with full recovery, even when your operating system won't start
Offsite backup copies recovery points to a FTP site for easier offsite backup management
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Backup to almost any media, including CD-R/RW and DVD+/-R/RW drives, USB and FireWire devices, network drives, and more LINK
Amazon Coupons

Hi FatWallet,I am not N00B but I have not posted but read much on here. I've seen similar threads on here before and my finances have been on my mind lately. I am posting on here just to get feedback as to how I've done so far in my life and if I need to make ay changes. I work in financial services industry so I am pretty personal finance savvy, but I am human.Income: $44000 with bonuses last year. Not likely to increase much but lots of advancement opportunities within the company. Fortune 20 company. Graduated with BS in Business Management from University of Illinois at Chicago in Dec 2009. Been with this co since October 2011, prior income was roughly $30k/yr. NAge: 27, seeing someone, no kids, no student loans, no cc debt, no mtg, no car note. Contribute 15% to my 401k per pay period. 3% co match.Checking: keep minimal, maybe $200
Savings: TIAA-Creff earning .90 %--$10,000**--was at almost 20k a month ago, moved $5k to the IRA and $4600 to pay off the remainder of the car loan that was at 1.9%Stocks: FLWS 50 Shares, Cost for all shares $111.15, Market Value: $256
AOBI 41, $50, MV: 18.86
AVTI: 25,000, $61.45, MV: $2.50
ACLS: 9, $14.67, MV: $10.35
BAC: 6.0048, $47.89, MV: $73.32
CBOE: 16, $526.87, MV: $584.64
DHT: 3, $28.79, MV: $13.56
FB: 1,000, $4177.90, MV: $2684.90
GM: 10, $348.85, MV: $275.90
GGRN: 1000, $93.95, MV: $5
NEWN: 79, $54.51, MV: 30.81
V: 5.031, $314.86, MV: 836.46
WYY: 18, $14.22, MV: $10.44
BBY:107.565, $2915.18, MV: 2792.38My 401K: $27063 as of today.
Just opened Transnational IRA: $5k--Invested OIEAX, SEEGX, JPTBX, JMVSX, JVASX. 1k each no sales charges.Assets:A 2BR 1Bath condo with a garage. Purchased 2010 foreclosure, $58k CASH. No HELOC. Current Value: Would not sell for less than $90k.
Comps do not include garage space.2012 Hyundai Sonata GLS with 10 yr warranty (close to bumper to bumper). Purchased new Dec 2011. Just paid it off. Had about $23k in the savings prior to buying the car.Expenses:Roughly $2300 annual property taxes. $1500 annual for condo and car insurance (250k/500k coverage) and a $2MM umbrella policy for $200 a year.
Monthly:
Condo Assessment $209
Gas/Electric $40-60
Cellphone $45
Groceries $200
Eating out $350
Gym $20
Gasoline $100There are probably things which I'm missing but I'll add if they come up. Please do not be afraid to be harsh or to question anything I wrote or failed to mention.As you can see, I have no debt other then revolving credit paid in full end of month. Credit score 775. I really dont budget myself but I am deal-hunter and FATWALLET at heart and real life.
My income fluctuates a bit month to month due to monthly bonuses, but alas I can try.

http://www.hdsentinel.com/register-tipradar.phpTo get your FREE registration code to unlock all functions and features of Hard Disk Sentinel Standard version, please specify your name and e-mail address and the 15-digit registration code will be immediately delivered to the e-mail address. Make sure to use valid e-mail address!To register and activate your product, please download and install Hard Disk Sentinel standard edition from the Download page (or directly from www.harddisksentinel.com/hdsentinel_setup.zip ). After installation, click "Help" and select "Enter registration key" in Hard Disk Sentinel.Please enter your name (or nickname) as username, the license code you will receive in e-mail and click on the "Register and activate on-line" button. Then the software should be registered and activated and can be used without limitations.The license code you will receive allows the use of all functions, options and features of Hard Disk Sentinel Standard version, without time limitations. Lifetime license
Hard Disk Sentinel (HDSentinel) is a hard disk monitoring software with support of HDD/SSD drives. Its goal is to find, test, diagnose and repair hard disk drive problems, report and display SSD and HDD health, performance degradations and failures. Hard Disk Sentinel gives complete textual description, tips and displays/reports the most comprehensive information about the hard disks and solid state disks inside the computer or in external enclosures (USB / e-SATA). Many different alerts and report options are available to ensure maximum safety of your valuable data.The software monitors hard disk drive / HDD status, including health, temperature and all S.M.A.R.T. (Self-Monitoring, Analysis and Reporting Technology, built in most hard disks and solid state disks today) values for each disks. Also it measures the disk transfer speed in real time which can be used as a benchmark or to detect possible hard disk failures, performance degradations.

Drugstore has the L'Oreal Cosmetics BOGO 50% off.They also have "Buy $35 get $10 off"Use FW link for "Buy $30 get $5 off"Total: $16 + $16 + $3 (small filler to reach $35) = $35.BOGO 50% off = -$8
L'Oreal deal = -$10
FW link = -$5Grand total: $12 + Free Shipping!
~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~First click FW affiliate link to activate $5 off $30 offer for new customers.Then click here to activate $10 off $35 L'Oreal.Then click here and add two Makeups to cart.Then click on the 2nd ($10 off $35) link again, and scroll down towards the end to choose a >$3.02 filler item.
~~~~~~~~~~~~~~~~~~~~~~~~~~~~Note: In cart, enter your zip-code and click "get estimate" to see $15 discount.~~~~~~~~~~~~~~~~~~~~~~~~~~~~
Same great deal on the:
L'Oreal Visible Lift Serum Absolute Advanced Age-Reversing Makeup. (need >$3.42 filler)
and:
L'Oreal Infallible Advanced Never Fail Makeup. (need >$3.62 filler)And much more...
drugstore.com Coupons

Money is involved but obviously more than money is at stake. I'm willing to take my loss, provided only that it be limited to the amount I spent for the eBay item I bought, plus cost to return. But my jeopardy, if I do the right thing, could balloon well beyond that.It's not uncommon, on eBay, to see items with engraved SS numbers. These most often are estate sale finds being re-sold on the Bay. In my experience the seller discloses that the item up for auction has the engraved SS number.The ad for an item I won contained no such disclosure. When the item, with engraved SS number, arrived several weeks ago I (it turns out, wrongly) assumed it was such an estate sale item. I failed, until last evening, to run my usual check. When I did finally check the SSDI database, here:SSDI accessI was alarmed to find the SS number on my item is apparently that of a living person. This obviously means my item could be stolen.Contacting the seller, if it's a stolen item, probably would not be fruitful. And I've no way to trace the SS number of a living person (if the person is deceased their name pops up instantly when you do an SSDI search).The seller is distant and out of state. Should I just pack up the item and send it to the police where the seller lives, along with an explanation and documentation? I want to do the honest thing, but only up to a point. I would not want to have to travel to the seller's home state to be interviewed by police or testify at trial. The loss to me, in terms of time and travel expense, would just be too great, and would be far greater than the cost of the item I won.Easiest would be if I could contact directly the person whose SS number appears on my item. If it's stolen I'd just return the item at my expense and take my loss (win a few, lose a few). But I don't know how to obtain the person's contact information.

link:
http://www.amazon.com/Seven-Unholy-Days-ebook/dp/B00C4YXN36/Storyline:
Matt Decker is a celebrity geek, designer of the nations futuristic new power grid and a hero for lowering electric bills across the land. Hes a talk show favorite, rich, and living the American dream. Until the power fails, everywhere, throwing the techno-dependent United States into chaos.Deckers impenetrable systems have been breached in the worst way, and its just the beginning. The country is under attack from Abraham Hart, an eccentric and unstable man with nearly unlimited resources, a man who believes himself to be a bizarre hybrid of Christ and Antichrist. Hart delivers a new attack each day as he works his way through his own personal version of Revelations famed seven seals, and he makes it personal between him and Decker.

Conversations with a Student of Life: Essays on Marriage and Divorce [Kindle Edition]
Beth Marie Larson (Author), Jessica Leannah (Illustrator)
LinkyBook Description
Publication Date: April 5, 2013
This is a collection of my essays on marriage, divorce, and family structure. Since marriage is the typical foundation for family, it only makes sense to examine the particulars of marriage, how to create a successful partnership, and finally a stable family environment. The impact of family environments is one of debate in regards to child development, but whichever side of the debate you fall on, most people can agree on one thing, that a stable home environment empowers children to have successful adult lives.This is an article, please do not expect a full length book.
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77 Dinner Recipes From Around The Globe [Kindle Edition]
Claude DeLucca (Author)
LinkyBook Description
Publication Date: April 5, 2013
"77 Dinner Recipes From Around The Globe" containing 77 dinner recipes from around the world: Striped bass en court-boullion, Potatoes hollandaise, Stuffed tomatoes, Stuffing for tomatoes, Sweetbreads braises, Sauce bearnaise, Punch francaise, Roast redhead ducks, Fried hominy for game, Hot rum sauce, Vanilla ice cream, Macaroons, Canapes of caviare, Halibut steaks, Anchovy butter, Potatoes persillade, Leg of lamb, Jardiniere, Roast turkey, Cranberry sauce, Celery salad, Mayonnaise sauce, Cabinet pudding, Prentanier for soup, Sauce normande, Bread croutons, Chicken valencienne, Spring-lamb chops, Soubise sauce, Punch cardinal, and many more...,
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Cowboy with a Cause (Harlequin Romantic Suspense) [Kindle Edition]
Carla Cassidy (Author)
LinkyBook Description
Publication Date: April 1, 2013"I'D APOLOGIZE FOR KISSING YOU, BUT I'M NOT ALL THAT SORRY."Dancer Melanie Brooks had escaped small-town Oklahoma, giving up the country for Broadway's bright lights. Yet after her mother's funeral called her back, her own health issues forced her to stay. Now her tenant, too-hot-for-his-own-good Adam Benson, is giving her a reason to dance again. But has a killer set his sights on her, too?Adam knows a little something about fresh starts. As for his beautiful neighbor, he doesn't see a wheelchairhe sees a woman who understands. But as the heat grows between them, he can't avoid the feeling that more than her big-city past haunts herand that danger has been lurking, waiting to strike.If heart-racing romance and high-stakes suspense is what you're after, look for four new titles every month from Harlequin Romantic Suspense!
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O. Henry's Apprentice: Twisted Stories for A New Generation [Kindle Edition]
Timothy D. McLendon (Author)
LinkyBook Description
Publication Date: March 16, 2013
A New Generation of Short Stories Has ArrivedO. Henry's Legacy ContinuesThe master of short stories has been silent for more than 100 years. His Apprentice has been watching, waiting for a new generation of readers. The time has come to break the silence.Life Is Full of Twisted StoriesTimes have changed. The world is a little bit darker. A little bit colder. A little bit more twisted. The world has evolved, but there are still many good people in it. Good people who do bad things. Horrible things. The Apprentice has remained true to his craft, characterizing the world as it is today. No stone is left unhurled.Five Short Stories Sure To Leave You Breathless
Get ready to experience action - packed mystery at its finest. The characters in these five short stories aren't prepared for what happens next. You won't be either. Just remember, bad things happen to good people. Strap yourself in for an adventure that never lets go.O. Henry's Apprentice invites you to a new vision of the short story. Be careful. Sticks and stones may break your bones, but words will always hurt you.
Advanced praise for the stories of O. Henry's ApprenticeYour use of the story telling device and the way it becomes resolved at the end is a tour-de-force. - David BThis is the first story I have read that I literally could not stop reading. I had to finish it. - Trevor WYour story hooked me quickly and kept me guessing. - Igal L...an excellent pace which does not let up. - Julio PMy jaw dropped to the floor of my library's computer room. Holy ****! - Leroy M
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Quirk Books D.I.Y. Gift Guide [Kindle Edition]
Homemade Quirk (Author)
LinkyBook Description
Publication Date: November 27, 2012
This FREE ebook offers 18 DIY gifts for the bookworm, foodie, animal lover, significant other, kid or geek in your life.
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It Doesn't Stay in Vegas - The Saga of The Unorthodox Gentleman [Kindle Edition]
Joe Osborne (Author)
LinkyBook Description
Publication Date: November 20, 2012
Perverted, racially insensitive, and totally bizarre... But at least he has a good heart.It Doesn't Stay in Vegas is the story of four friends who travel to Vegas on a quest for provocative sexual encounters, while consuming irresponsible amounts of alcohol and narcotics. Experience the journey through the delusional mind of The Unorthodox Gentleman, whose unique observations and assumptions drive the drug and booze fueled story of a once in a lifetime trip.Unfortunately, its not all fun and games as the contrasting group of friends is continually faced with unusual predicaments, usually brought on by their own destructive and unsophisticated behavior.It Doesn't Stay in Vegas captures the essence of Las Vegas distinct culture and is a must read for anyone with an interest in Sin City.Follow The Unorthodox Gentleman on Twitter @utxgent.
___________________________________________________________________ Travel With Me; St.Malo and The Mont St. Michel [Kindle Edition]
Christine Pointeau (Author)
LinkyBook Description
Publication Date: July 11, 2012
As part of the Art House Co-Op Sketchbook Project 2012 World Tour, the author took inspiration from a family trip to France for her art work.Sketches done using trip photographs fill her book with endearing illustrations in various mediums, each accompanied with a personal anecdote.Available in paperback format.
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A Good Kind of Knowing [Kindle Edition]
Kathy Lynn Harris (Author)
LinkyBook Description
Publication Date: October 21, 2012
Imagine if Maeve Binchy grew up in Texas and wrote an old-school Larry McMurtry novel. Think Hope Floats meets High Fidelity.Thats how critics are describing A Good Kind of Knowingfrom the author of the highly acclaimed and number-one Amazon bestseller, Blue Straggler.A Good Kind of Knowing is a novel about the power of music and friendship, the relationship two-steps that go on in old Texas dancehalls, and the secret to finding just a little bit of common ground in a world full of distrust.What readers are saying:
Engaging, emotionally accurate, visual and funny.You pulled me right in.I feel like Im right thereI can feel the Texas heat and see the small town and the people who populate it.The characters are diverse and interesting, and each has a unique personality that adds to the entire canvas of the story.I know these people. Whats more, I like them, even despite their faults.My head is full of your story. It took me only two and a half days to read the book cover to cover, which means I was doing it every spare minute.The pace is comfortable, the characters rich and colorful. The events are anything but predictable; I was always wondering whats going to happen next.Sera Taylor's store is the one place in Lakeville, Texas, where individuals from all walks of life share a universal love for music and a respect for the gypsy-like woman behind the antique glass counter. Readers get a taste of the unorthodox connection between Sera and Mack, a young local cowboy and musician, and Seras previously untested devotion to her husband Bill. They learn of her relationship with Ruby D., the vibrant but misguided mother of five; with Louie, the shy high school band director; with Beverly, the religious, upper-class socialite; with Antonio, a local bar owner striving to make a life for himself; with Tommy Lee, a rich and directionless gigolo; and with Wes, the only out-of-the closet gay man for miles. As Sera battles a serious illness, the characters must overcome long-held stereotypes to save Seras store, and in the end, large parts of themselves.
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Film Critic: A Decade Behind the Scenes in the Movie Industry [Kindle Edition]
Laremy Legel (Author)
LinkyBook Description
Publication Date: February 5, 2013
BOOK DESCRIPTION
"Film Critic: A Decade Behind the Scenes in the Movies Industry" is an insider look at the world of criticism, celebrity interviews, and movies. Ever wanted to know how a professional critic goes about his or her job? "Film Critic" alternates between hilarious and serious, all with the goal of entertaining the reader. So yeah, it's pretty much the opposite of "Indiana Jones and the Kingdom of the Crystal Skull". Enjoy!REVIEWS
Laremy crushes it as he goes behind the scenes of film criticism and gives some of his best and worst experiences working as a film critic, the pros and cons of going into work full time as a critic, and breaks down exactly why criticism of films is warranted at all. It's funny and smart and fairly quick read. Highly recommended. - The Cradleman (Amazon Verified Purchase)AUTHOR BIO
Pop culture maven Laremy, a Seattleite with a heart of gold, has traveled to Hollywood and back to bring you some laughs, entertainment, and perhaps a thinker or two. His favorite series in the world is Douglas Adams's "Hitchhiker's Guide to the Galaxy" and he can be found walking his golden puggle Bugsy each and every night.Laremy was recently interviewed by Indiewire.com:
http://blogs.indiewire.com/criticwire/an-interview-with-film-cri...Chapters include:
Matt McConaughey
Spike Lee
Joss Whedon
Kristen Stewart
Darren Aronofsky
Joan Cusack
Adam Carolla
Podcasting
Radio and Television Appearances
Screenings
Screeners
The Highs and Lows of Sundance
Expertise vs. Enthusiasm
Great Expectations
What Makes a Masterpiece?
Why The MPAA is Terrible
The Reader vs. The Dark Knight
Tucker Max
Bribes
The Critic / General Public Divide
Commenters
Disagreeing with RottenTomatoes
The Notebook
Babel
V for Vendetta
The Dark Knight
Inglourious Basterds
G.I. Joe: The Rise of Cobra
The Review That Ended up Costing Me a Job
Novels and Screenplays
Writing Gossip
Should You Write for Free?
FAQs
In Defense of Film Criticism
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A Little Bit of Everything For Dummies [Kindle Edition]
John Wiley and Sons (Author, Other Contributor)
LinkyBook Description
Publication Date: November 16, 2011
Twenty years ago the very first For Dummies book, DOS For Dummies, was published. From that first printing of that first book came a series unlike anything in the publishing world, one that is global in both geography - we have been published worldwide in some 30 languages - and in coverage. No single volume can hope to summarize what thousands of titles have meant to millions of readers over the years, and we don't claim to do that in this e-book. Rather, this e-book celebrates the breadth and depth of the For Dummies series, offering 20 chapters - in honor of our 20 years - from a list of books compiled by our global colleagues. We are confident the chapters we've included give you a representative glimpse at why - no matter what the topic - our products have meant so much to so many by Making Everything Easier. We've grouped our chapters into five main parts:Part I: Dummies Classics, offers four chapters from some of our best-loved books. There's a chapter from DOS For Dummies, the book that started it all, and chapters from two of our best-sellers: Windows 7 For Dummies and Sex For Dummies. And just for a bit of spice, we've included a chapter from French For Dummies.Part II: Daily Dose of Dummies, offers the kind of lifestyle, self-help, and business skills that our readers have come to treasure. There's one of our famous Part of Tens chapters from Cognititive Behavioural Therapy for Dummies and a chapter from Meditation For Dummies to help you get your center. Chapters from Leadership For Dummies and Marketing For Dummies help you develop new skills for the marketplace.Part III, Fun with Dummies, celebrates life and all it has to offer. We've got chapters here from The Royal Wedding For Dummies, Guitar For Dummies, Digital Photography SLR All-in-One For Dummies, Puppies for Dummies, Knitting For Dummies, and Wine For Dummies.Part IV, Get Social, highlights how we help you grow and develop new skills. Chapters here come from Facebook For Dummies, Social Media Marketing For Dummies, and Dating For Dummies.Part V, Going Global, shares the worldwide appeal of the For Dummies series. These chapters from British History For Dummies, Canadian History For Dummies, and Rugby Union For Dummies were created by our global colleagues and authors and show how the For Dummies approach applies not only to whatever the subject is at hand, but also wherever the discussion is taking place.
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Kidowed [Kindle Edition]
Jessica Kenley (Author)
LinkyBook Description
Publication Date: July 3, 2012
In this book you'll find the the struggles, sorrows, and triumphs of the author after she has two children with a rare and universally fatal genetic disease. As she travels through her hellish journey, you will experience unexpected humor, endless love, and learn how strong one family can be while they walk beside her.
_______________________________________________________________________________________Lost Wife, Saw Barracuda - True Stories from a Sharm El Sheikh Scuba Diving Instructor [Kindle Edition]
LinkyBook Description
Publication Date: December 1, 2010
The Funniest Diving Book in YearsLeading Magazine ReviewsIts as authentic as it is hysterical. Its a chuckling page-turner. Dive Gear Reviews USAA beautifully written and rare diving book. Diver Magazine UKVery funny, honest and entertaining. The Egyptian Chamber of Diving and Water SportsEver wanted to jack it all in and start a new life in Egypt? The scuba diving resort of Sharm el Sheikh has been one of the worlds best kept secrets. It only hits the news in times of mishap but behind the scenes of this hugely popular and vibrant city are hundreds of ex-pats living the dream of a life in the sun.John Keans hilarious book, Lost Wife, Saw Barracuda True Stories from a Sharm el Sheikh Scuba Diving Instructor is an inside fly-on-the-wall look at the ups and downs of swapping the rat race for a life in Sharm el Sheikh. It is frank, honest and gripping in sometimes epic proportions, but the humor and magnetic appeal of Sharm el Sheikh and Egypt shines through every time in this beautifully written true story.Over a decade, this mild-mannered, ex-stockbroker has been chased by aggressive sharks, had a 737 airliner drop from the sky into the sea, broken four bones, been arrested three times and finally, blown up by terrorists. On the plus side, Sharm el Sheikhs outstanding natural appeal, year round sun and amazingly talented and friendly community of Egyptian and ex-pat residents has made it a home from home, free of the stresses of everyday life in Europe.Unlike other fly on the wall or inside books, John actually takes you along with him for the ride. His accounts are genuine, highly informative and very funny. Turning tragedy and mishap into humor is the books strength and youll find a laugh on nearly every page.The story is heavily upstaged by the comical antics of five, highly entertaining characters coming to terms with neutral buoyancy, hangovers and Egyptian taxi drivers. The legendary exploits of the latter are awarded an entire chapter where were introduced to, Airbag, Sharm el Sheikhs worst driver and in contrast, Joseph, who takes up the offer of a job swap, gives John his taxi and becomes a scuba diver for the day!The most dramatic chapter of Lost Wife, Saw Barracuda is the vivid, minute-by-minute account of dive staff involvement during the Sharm bombings in July 2005. This rare civilian insight of a grand scale terrorist attack shows the human cost of those caught up and the tremendous resolve of unlikely rescuers in preventing further loss of life.Despite occasional tragedy, Lost Wife, Saw Barracuda is a positive book that will thrill and entertain, portray scuba diving as an engaging and enjoyable sport and show readers the brighter side of Sharm el Sheikh in Egypt. Anyone can read and enjoy this wonderfully funny story.Its a must read if youve ever been even remotely near water!About The AuthorJohn Kean is a professional diver and writer who, following a scuba holiday to Egypt in 1997, gave up the rat race for a new life in Sharm el Sheikh. His other titles include the definitive, SS Thistlegorm The True Story of the Red Seas Greatest Ship Wreck.John has written feature articles for several international dive and travel magazines, been interviewed on national television and is also a regular guest speaker at UK dive shows. He has completed over 5,500 dives and holds a master instructor rating with the leading scuba training agency, however, he counts his most important qualification as having an equal number of ascents and descents.
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How To Turn Fear Into Confidence - A Superhero Success Guide To Conquering Fear! [Kindle Edition]
TW Walker (Author)
LinkyBook Description
Publication Date: November 11, 2012
Fear is one of the most lethal adversaries of anyone, particularly those who are small business owners and aspiring entrepreneurs. In the Superhero Success expanding series of books and ebooks, small business Coach TW Walker provides the core of his business mentoring advice with a breakdown of overcoming fear, how it debilitates growth, and how to contain it forever with "How To Turn Fear Into Confidence".Leadership development starts with self confidence, and once you have self confidence then beating fear is easy. No longer does fear of failure have to hold you back from achieving success in anything you do...The original Superhero Success book has received endorsements from the Napoleon Hill Foundation (of Think And Grow Rich) as well as James Malinchak of ABC's Secret Millionaire, and Scott Alexander of the best selling Rhinocerous Success book series. Now, the Superhero Success brand is expanding to include a more in depth -yet still fun- look into other topics of interest to people who want to succeed in various aspects of life and business.Are you ready to strap on your cape?
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Please! Stop My Baby Brother From Crying (Childress Children's Book Series) [Kindle Edition]
Geryn Childress (Author)
LinkyBook Description
Publication Date: February 20, 2013
"Funny!" " Hilarious!" "Modern day version of Dr.Seuss" are some of the things that have been said about "Please! Stop My Baby Brother From Crying" the 3rd release in the Childress Children's Book Series, with many more to come this book is sure to bring a smile to your face, another classic.
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Maddening and Marvelous Motherhood [Kindle Edition]
Christine Carter (Author)
LinkyBook Description
Publication Date: January 3, 2012
This book is an honest, humorous, and heartwarming take on motherhood. A stay-at-home mother writes about her child-rearing challenges and triumphs, as she shares stories that will make you laugh out loud. Her candid nature is refreshing and her thoughts are well worth reading. In her own unique way, she encourages all mothers to be their best. The book draws from stories located on the authors website at TheMomCafe dot com.

TextFREE Beauty Bag with any $60 Ulta.com Purchase, $100 Value.
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$60.00 PLEASE NOTE : (1) ONLY ONE PROMOTION CODE CAN BE ENTERED FOR A GIVEN ORDER PLACED ON Ulta.COM AND (2) SUPPLIES OF ALL FREE GIFT OFFERS ARE LIMITED. THERE ARE NO SUBSTITUTES. *One per customer. While quantities last. **Valid in-store and online. Enter coupon 100909 in the space provided in your shopping basket and click "apply code". Coupon offer valid through 4/13/13 on all regular price, sale and clearance merchandise. Excludes salon and Benefit Brow Bar services, fragrance, prestige brands of cosmetics and skincare, and some prestige brands of haircare and nail. For a complete list of these excluded brands, go to Ulta.com/coupons or look for signs in our stores. Cannot be redeemed for cash or gift cards. This offer cannot be combined with any other Ulta coupon offer. Not valid on prior purchases. Limit one per customer. Void if copied or transferred and where prohibited by law.Description.To receive your FREE gift: 1. Choose the gift below and add to your basket. A retail of $60 will show in your basket. 2. Continue shopping and when $60 or more in merchandise is added to your basket and your gift will turn to free. Failure to add $60 of merchandise to your basket will result in $60 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 order. Online only. While supplies last. Merchandise excludes shipping and handling charges, gift card, sales tax and gift wrap. Offer expires 4-13-2013 at 11:59pm CST.
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I started a thread about this last year, but it's archived, so I can't bump it.http://www.fullofdeals.com/forums/finance/1180442/Essentially, I need someone to explain to me the tax implications of this thing that I bought (and subsequently sold, mainly because I was hoping to avoid tax-related headaches, but also because I didn't really understand it). The prospectus for the position in question can be found here.I was the original purchaser of my shares in 2008, and it was a principal-protected note, contingent on me holding it for the full five years. However, I sold my shares at a slight loss on June 29, 2012. According to the phone rep I spoke to, I held the note for 184 days in 2012, which is approximately correct, although I don't know how they arrived at that exact number of days, since the sale was 6/29 and the settlement date was 7/5. Anyway, it doesn't really matter.Copied from pages 21-23 of the prospectus:prospectus said: Under the Foreign Currency Regulations, the rules applicable to debt instruments that provide for payments determined by reference to multiple currencies depend on the denomination currency of the debt instrument. Because the present value of the principal payment, which is a fixed U.S. dollar amount, is greater than the present value of the projected amount attributable to the Basket Currencies, the denomination currency of the Notes is the U.S. dollar. The Foreign Currency Regulations provide that the Notes consequently will be taxed pursuant to the rules contained in the Contingent Debt Regulations.

Taxation of Interest. A U.S. Holder of a Note will recognize income (or loss) on a Note in accordance with the Contingent Debt Regulations. The Contingent Debt Regulations require the application of a noncontingent bond method to determine accruals of income, gain, loss and deductions with respect to a contingent debt obligation. As described in more detail in the second and third succeeding paragraphs, under the noncontingent bond method, a U.S. Holder of a Note will be required for tax purposes to include in income each year an accrual of interest at the annual computational rate of 5.62%, compounded semi-annually (the comparable yield). The comparable yield is based on a rate at which Citigroup Funding could issue a fixed rate debt instrument with terms comparable to those of the Notes and no contingent payments. In addition, solely for purposes of determining the comparable yield pursuant to the Contingent Debt Regulations, a U.S. Holder of a Note will be assumed to be entitled to receive, in respect of each Note, annual coupon payments of US$40.00 on July 30, of 2009, 2010, 2011, 2012, and 2013, and a payment of US$1095.20 at maturity (the Projected Payment Amount). The Projected Payment Amount is calculated as the amount required to produce the comparable yield, taking into account the Notes issue price, and any non-contingent payments to be made on the note prior to maturity.

The comparable yield and the Projected Payment Amount are used to determine accruals of interest FOR TAX PURPOSES ONLY and are not assurances or predictions by Citigroup Funding with respect to the actual yield of or payment to be made in respect of a Note. The comparable yield and the Projected Payment Amount do not necessarily represent Citigroup Fundings expectations regarding such yield or the amount of such payment.

Each note will be issued at par. However, there will be original issue discount for U.S. federal income tax purposes (Tax OID) because a U.S. Holder must accrue income at the comparable yield. Under the Tax OID rules of the Internal Revenue Code of 1986, as amended (the Code), and the Treasury regulations promulgated thereunder, a U.S. Holder of a Note, whether such holder uses the cash or the accrual method of tax accounting, will be required to include as ordinary interest income the sum of the daily portions of Tax OID on the Note for all days during the taxable year that the U.S. Holder owns the Note. As a result, U.S. Holders of Notes, including U.S. Holders that employ the cash method of tax accounting, will be required to include amounts in respect of Tax OID accruing on Notes in taxable income each year regardless of whether holders receive more, less or no payments on the Notes in tax years prior to maturity. The Tax OID amounts for 2009, 2010, 2011, 2012, and 2013 take into account the payment of the annual coupons on July 30, of 2009, 2010, 2011, 2012 and 2013 respectively. Accordingly, U.S. Holders should report only the Tax OID for 2009, 2010, 2011, 2012, and 2013, and should not also include any separate amount in income as a result of the annual coupon payments.

The daily portions of Tax OID on a Note are determined by allocating to each day in any accrual period a ratable portion of the Tax OID allocable to that accrual period. In the case of an initial holder, the amount of Tax OID on a Note allocable to each accrual period is determined by multiplying the adjusted issue price (as defined below) of a Note at the beginning of the accrual period by the comparable yield of a Note (appropriately adjusted to reflect the length of the accrual period). The adjusted issue price of a Note at the beginning of any accrual period will generally be the sum of its issue price and the amount of Tax OID allocable to all prior accrual periods, less the amount of any payments made in all prior accrual periods. Based upon the comparable yield, if a U.S. Holder that employs the accrual method of tax accounting and pays taxes on a calendar year basis buys a Note at original issue for US$1,000 and holds it until maturity, such holder will be required to pay taxes on the following amounts of ordinary income from the Note for each of the following periods: US$23.57 in 2008; US$57.39 in 2009; US$58.38 in 2010; US$59.43 in 2011; US$60.54 in 2012; and US$35.89 in 2013 (adjusted as described below).

Adjustments to Interest Accruals on the Notes. If, during any taxable year, a U.S. Holder receives actual payments with respect to the Notes that in the aggregate exceed the total amount of projected payments for that taxable year, the U.S. Holder will incur a net positive adjustment under the Contingent Debt Regulations equal to the amount of such excess. The U.S. Holder will treat a net positive adjustment as additional interest income, which will increase the total amount of Tax OID for that taxable year. Accordingly, the amount of taxable income that a U.S. Holder may be required to report with respect to the Note for a particular year may exceed both the amount of Tax OID and the actual cash payments received.

If a U.S. Holder receives in a taxable year actual payments with respect to the Notes that in the aggregate are less than the amount of projected payments for that taxable year, the U.S. Holder will incur a net negative adjustment under the Contingent Debt Regulations equal to the amount of such deficit. This adjustment will reduce the U.S. Holders interest income on the Notes for that taxable year, which will decrease the total amount of Tax OID for that taxable year. Accordingly, the amount of taxable income that a U.S. Holder may be required to report with respect to the Note for a particular year may differ significantly both from the amount of Tax OID and the actual cash payments received.

The daily portions of Tax OID on a Note are determined by allocating to each day in any accrual period a ratable portion of the Tax OID allocable to that accrual period. In the case of an initial holder, the amount of Tax OID on a Note allocable to each accrual period is determined by multiplying the adjusted issue price (as defined below) of a Note at the beginning of the accrual period by the comparable yield of a Note (appropriately adjusted to reflect the length of the accrual period). The adjusted issue price of a Note at the beginning of any accrual period will generally be the sum of its issue price and the amount of Tax OID allocable to all prior accrual periods, less the amount of any payments made in all prior accrual periods. Based upon the comparable yield, if a U.S. Holder that employs the accrual method of tax accounting and pays taxes on a calendar year basis buys a Note at original issue for US$1,000 and holds it until maturity, such holder will be required to pay taxes on the following amounts of ordinary income from the Note for each of the following periods: US$23.57 in 2008; US$57.39 in 2009; US$58.38 in 2010; US$59.43 in 2011; US$60.54 in 2012; and US$35.89 in 2013 (adjusted as described below).

Adjustments to Interest Accruals on the Notes. If, during any taxable year, a U.S. Holder receives actual payments with respect to the Notes that in the aggregate exceed the total amount of projected payments for that taxable year, the U.S. Holder will incur a net positive adjustment under the Contingent Debt Regulations equal to the amount of such excess. The U.S. Holder will treat a net positive adjustment as additional interest income, which will increase the total amount of Tax OID for that taxable year. Accordingly, the amount of taxable income that a U.S. Holder may be required to report with respect to the Note for a particular year may exceed both the amount of Tax OID and the actual cash payments received.

If a U.S. Holder receives in a taxable year actual payments with respect to the Notes that in the aggregate are less than the amount of projected payments for that taxable year, the U.S. Holder will incur a net negative adjustment under the Contingent Debt Regulations equal to the amount of such deficit. This adjustment will reduce the U.S. Holders interest income on the Notes for that taxable year, which will decrease the total amount of Tax OID for that taxable year. Accordingly, the amount of taxable income that a U.S. Holder may be required to report with respect to the Note for a particular year may differ significantly both from the amount of Tax OID and the actual cash payments received.

U.S. Holders should be aware that the information statements they receive from their brokers (on an Internal Revenue Service Form 1099) stating accrued original issue discount in respect of the Notes may not take net negative or positive adjustments into account, and thus may overstate or understate the holders interest inclusions.

Disposition of the Notes. When a U.S. Holder sells, exchanges or otherwise disposes of the Note (including upon repayment of the Note at maturity) (a disposition), the U.S. Holders gain (or loss) on such disposition will equal the difference between the amount received by the U.S. Holder for the Note and the U.S. Holders tax basis in the Note. A U.S. Holders tax basis (i.e., adjusted cost) in a Note will be equal to the U.S. Holders original purchase price for such Note, plus any Tax OID accrued by the U.S. Holder and less the amount of any payments received by the holder while holding the Note.

If the amount received on the Note at maturity exceeds the Projected Payment Amount, the U.S. Holder will be required to include any such excess in income as ordinary income. Alternatively, if the amount received at maturity is less than the Projected Payment Amount, the difference between the Projected Payment Amount and the amount received at maturity will be treated as an offset to any interest otherwise includible in income by the U.S. Holder with respect to the Note for the taxable year in which maturity occurs, but only to the extent of the amount of such includible interest. Any remaining portion of such shortfall may be recognized and deducted by the U.S. Holder as an ordinary loss to the extent of the U.S. Holders previous Tax OID inclusions with respect to the Note.

On a disposition of a Note other than repayment of a Note at maturity, any gain realized by a U.S. Holder will be treated as ordinary interest income. Any loss realized by a U.S. Holder on a disposition will be treated as an ordinary loss to the extent of the U.S. Holders Tax OID inclusions with respect to the Note up to the date of disposition. Any loss realized in excess of such amount generally will be treated as a capital loss. An individual U.S. Holder generally will be allowed a deduction for any ordinary loss without regard to the two-percent miscellaneous itemized deduction rule of Section 67 of the Code. Any capital loss recognized by a U.S. Holder will be a long-term capital loss if the U.S. Holder has held such Note for more than one year, and a short-term capital loss in other cases.

Information Reporting and Backup Withholding. Information returns may be required to be filed with the IRS relating to payments made to a particular U.S. Holder of Notes. In addition, U.S. Holders may be subject to backup withholding tax on such payments if they do not provide their taxpayer identification numbers in the manner required, fail to certify that they are not subject to backup withholding tax, or otherwise fail to comply with applicable backup withholding tax rules. U.S. Holders may also be subject to information reporting and backup withholding tax with respect to the proceeds from a sale, exchange, retirement or other taxable disposition of the Notes.The dollar amounts quoted in the prospectus are based on a principal investment of $1,000. My principal investment was $20,000, so we have to multiply everything by a factor of 20. The 2012 number is off because I only held the shares for approximately half the year. In total, I held the shares for about 47 months at 4% annual interest.According to my 1099s from each respective year, this was the amount of reportable, taxable, phantom OID income reported to the IRS, and on which tax was (or will be) paid:2008 - $475.94
2009 - $1147.50
2010 - $1167.50
2011 - $1188.65
2012 - $616.04TOTAL REPORTABLE TAXABLE INCOME: $4595.63Below, I've listed the amounts of actual physical money I received in interest that is non-reportable to the IRS:2008 - $0
2009 - $800
2010 - $800
2011 - $800
2012 - $744.44TOTAL ACTUAL INTEREST RECEIVED IN PHYSICAL MONEY: $3144.44DIFFERENCE (-$1451.19)Questions: (1) According to the first bolded paragraph that states there will be a payout of $1095.20 at maturity, am I correct in interpreting that figure is used for tax purposes only, since that's the amount that would be required to match the 5.62% annual (phantom) interest on which the comparable yield is based? What this means I think, is there won't actually be a payment of $1095.20 unless the face value of the note dicates such a payment? In other words, $1000 of the $1095.20 is a return of principal, while the other $95.20 is an estimate of an increase in value of the principal at maturity?(2) Next, it is my understanding that at some point, I will be entitled to claim a deduction or capital loss of $1451.19, which I expected would be reflected in the 2012 1099 I received from the institution housing the account in which these shares resided. That is not the case. Is this because the note has not yet matured?(3) Is the financial institution ever going to issue any kind of 1099 reflecting this loss? If not, how do I go about claiming this $1451.19 deduction or loss? Do I have to simply claim it and attach a note to my 1040 explaining it? Should I claim it in 2012 (when I disposed of my shares) or wait until 2013 (when the note finally matures)? Is it a deduction against ordinary income or a capital loss?

As always, only guaranteed FREE at time of posting. All will have 4-5 stars, and there will be a mixture of genres, and books both new & old. I';; try to post more later, and please add any you find...The Rock Star's Daughter (The Treadwell Academy Novels) [Kindle Edition] (Teens)
http://www.amazon.com/Daughter-Treadwell-Academy-Novels-ebook/dp...
Pub. 7/5/11At the age of 15, Taylor Beauforte has only met her father twice in person. After all, he is the lead singer of a world-famous rock band, constantly on the cover of music magazines and giving interviews on MTV. He pays for Taylor to attend the Treadwell Academy, a prestigious boarding school in Massachusetts, and provides her mother with monthly checks to cover her basic needs, but has never made much of an effort to play an active part in Taylors life. Taylor's mom Dawn is the only family she has ever really known, and because of Dawn's hard-partying Hollywood lifestyle, studious Taylor is happiest on the other side of the country in Massachusetts with her nose buried in a book.
When Taylor 's mom unexpectedly dies the summer before Taylor starts her junior year, she receives a crash course in fame. She has no choice but to join her father and his new family on their summer concert tour before she has even had a chance to mourn the loss of her mother. Life as the daughter of a rock star seems like it would be enviable, but Taylor can't figure her dad out. He seems like a supportive authority figure (even if he's kind of a fashion tragedy) , but she is collecting a growing pile of evidence that he's a liar and a cheat. Her stepmother, Jill, cant seem to decide if she wants to treat Taylor like a girlfriend or a nuisance. Having had no time to grieve and say goodbye to her childhood before being thrust into the limelight, Taylor is suddenly finding herself in situations she could have never imagined before this summer.
With no one else to turn to, Taylor falls head over heels in love with Jake, the teenage son of one of the band's touring groupies. Taylor has growing concerns about Jake's background and the suspicious relationship between his mom and her own father, but is desperate for something real in her life onto which she can build a future. When Jake offers Taylor an opportunity to join him on a whirlwind adventure and leave her problems with her father far behind, Taylor has to decide should she carve out her own way in the world, or try to repair the relationship she has with her only living parent?
Over the course of the summer with the band, Taylor learns the depths of her own strength, the difficulty of overcoming loss, and that the definition of family means much more than shared bloodlines.Publishers Advisory: This book is intended for readers aged 12 and above. This book addresses topics of grief, infidelity, and includes romantic situations and mild language. We encourage parents to address mature topics associated with the difficult decisions of growing up with teen readers.=============================================
Rippler (The Ripple Trilogy by Cidney Swanson) [Kindle Edition] (Teens)
http://www.amazon.com/Rippler-The-Ripple-Trilogy-ebook/dp/B0052Z...
Pub. 3/08/13Over Two Weeks on the Amazon Teen Bestseller List!
When Samantha Ruiz turns invisible in front of team mates on a rafting trip,she knows something's wrong with her. According to her knowledgeable
friend Will, she's got a rare genetic disorder. Fearing a lifetime
sentence as a lab-rat, Sam wants to keep her ability secret. But she
also wants to know if there's a connection between dark Nazi experiments
on others like her and her own mother's death eight years earlier. At
the same time that Sam is sleuthing, she's falling hard for Will. And
soon, she'll have to choose between keeping her secrets hidden and
keeping Will safe.
========================================================30 Juices in 30 Days: Juicing Recipes for Health and Beauty [Kindle Edition]
http://www.amazon.com/30-Juices-Days-Juicing-ebook/dp/B00ATFVQYK...
Pub. 12.25.12One Month to a Healthier You
In Jeanene Kerr's "30 Juices in 30 Days: Recipes for Health and Beauty", you're going to get her exact steps for creating easy, healthy, and delicious juice recipes anyone can make. The benefits of juicing are immense, and in Kerr's book you'll find juice recipes not only for beautifying, but also to treat your body to nutrients we sorely need. Who has the time to eat 5 servings of vegetables and 4 servings of fruit every day? These juice recipes will allow you to get a super-fast, 15 minute infusion of nutrients your body needs through juicing. Processed foods take anywhere from 6 to 20 hours to fully digest. Vegetable and fruit juices get into your bloodstream and make you feel good in as little as 15 minutes! Included in the book are 30 full juice recipes that will: - Give you glowing, youthful skin and wrinkle fighters
- Energize your mood and strength
- Lower blood pressure and give you a healthier heart
- Aid in weight loss and recipes for meal replacements
- Boost your immune system with antioxidant-rich ingredientsOne juice per day for a month will leave you feeling like a new person. Your body will reward your healthy habit by not only feeling more energized -- you'll start to look healthier, too! That means clearer skin, softer hair, and stronger nails -- and this is just the beginning. These beautifying details are side effects of a healthy lifestyle, and you can have it all just by juicing. Juicing is so easy, anyone can do it. Most recipes are only 5 ingredients or less and take only minutes to make. Best of all -- they're plain ol' delicious! Jeanene shows you how to make any juice delicious with the addition of particular ingredients. Bonus: What to do with all the leftover juice pulp? Don't just throw it away! Jeanene includes a signature recipe for a tasty juice pulp cake and muffins. Baked goods have never tasted so good, while being so good for you.
===========================================================Juicing Recipes For Oranges (Benefits Of Juicing) [Kindle Edition]
http://www.amazon.com/Juicing-Recipes-Oranges-Benefits-ebook/dp/...
Pub. 3/29/13This information was developed by my family to help us enjoy the benefits of juicing. We always grew a garden every year and juicing was a great way to use the ripe fruits and vegetables that we were fortunate to gather throughout the growing season.This book focuses on a favorite of most people--Orange Juice and many tasty combinations with other fruits and vegetables to add variety to this favorite juice.There are three ways to enjoy fruits and vegetables or a combination of fruits and vegetables. Eating, juicing or blending.You will need to try out juicing or blending to see which one will work for your lifestyle. Exploring the options or adding the option that will work for you will make it easy for you to enjoy more fruits and vegetables in your diet.
===================================================Just Desserts [Kindle Edition]
http://www.amazon.com/Just-Desserts-ebook/dp/B00AK3RB7W/...
Pub. 12/6/1244 recipes for festive desserts and drinks for the holiday season, all contributed by the wonderful authors and staff at Tirgearr Publishing.This book is a celebration of our publishing year and instead of the traditional Christmas card, we thought we would put together a book of our favorite festive recipes.All the authors and staff have given their recipes and time to make this book without remuneration.** All proceeds from the sale of this book go to charity. **DESSERTSBe Still My Heart Banana Nut Bread by Patricia McAllister
Bread Pudding by Kemberlee Shortland
Canadian Christmas Pudding with Rum Sauce by Lynette Willows
Cappuccino Mousse by Christine McPherson
Chocolate Fondue by Stephanie Johnson
Chocolate Seduction Cake by Charlene Raddon
Cream Cheese Cookies by Dellani Oakes
Crumbs Crumble by Cathy Mansell
Dark Dream Bites by K.A. Laity
Divinity Fudge by R.L. McCoy
Individual Apple Sponges by Christine McPherson
Irish Brack by Cathy Mansell
Irish Pancakes with Sugar and Lemon by Peter Shortland
Magpie Pie by K.A. Laity
Mexican Wedding Cookies by Scarlett Valentine
Mince Pies by Peter Shortland
Mini Filo Dessert Bites by Isabo Kelly
Oatmeal Cookies by Charlene Raddon
Pecan Pie by R.L. McCoy
Pumpkin Pie by Amanda Stephanie
Pumpkin Roll by Carley Bauer
Pumpkin Spice Bread by Amanda Stephanie
Raspberry-Topped Lemon Pie by Charlene Raddon
Red Velvet Cupcakes by Scarlett Valentine
Rich, Thick and Chocolate Brownies! by Christy Nicholas
Rum Balls by Kristi Ahlers
Savarin Cake by Charlene Raddon
Shes My Cherry Pie by Scarlett Valentine
Shortbread Cookies by R.L. McCoy
Sugar Cookies by Kristi Ahlers
The Real Deal Baked Cheesecake by Patricia McAllister
Walnut Spice Cookies by Isabo KellyDRINKSBrandy Eggnog by Dellani Oakes
Ginger Snap Martini by Stephanie Johnson
Hogmanay by Stella Whitelaw
Holly Berry by Stella Whitelaw
Hot Apple Cider by Kemberlee Shortland
Hot Butterscotch Chocolate by Christy Nicholas
Hot Chocolate Mix by Dellani Oakes
Mulled Cranberry Juice by Lynette Willows
Peppermint Martini by Stephanie Johnson
SnowFall (not Snowball) by Stella Whitelaw
The Manchester by C. Margery Kempe
The Swan Prince by C. Margery Kempe
========================================================Get High Eat Well - Pot Smoker's Guide To the Munchies [Kindle Edition]
http://www.amazon.com/Get-High-Eat-Well-ebook/dp/B00BRYQM2I/...
Pub. 3/09/13Get High Eat Well - Pot Smoker's Guide To the Munchies is the go-to guide or the essential food bible for the food passionate and herbal connoisseur. If you just love to eat damn good food then this is creme da le creme ladies and gentleman.A peculiar phenomenon associated smoking marijuana is increased hunger... This phenomenon is often called, Having the munchies." Research actually shows that smoking marijuana increases food enjoyment and the number of times a person eats each day.So why not be ready? Why not prepare yourself for the "munchies?" World renown Marijuana Enthusiast, "The Pathfinder" shares with YOU, the recreational pot smoker, his very best munchies recipes. Painstakingly researched and compiled over many years of both pot smoking and gourmet cooking, The Pathfinder has created a ONE OF A KIND insider's guide to satisfying those munchies like they've never been satisfied before.Munchies were a relative mystery until recently... However, a recent study by Italian scientists very likely explains what happens to increase your appetite after smoking marijuana. Molecules called endocannabinoids bind with receptors in the brain and activate hunger pangs thereby creating the "munchies."You know you're going to give in to the munchies anyway, so why not give in GOURMET STYLE?
===========================================================Go Veggie! The New Vegetarian Cusine [Kindle Edition]
http://www.amazon.com/Veggie-The-Vegetarian-Cusine-ebook/dp/B00A...
Pub. 11/04/12More and more people want to enjoy a healthy diet, and are discovering the delights of vegetarian cuisine. Go Veggie! contains the entire richness of meatless cuisine that lacks nothing!Whether a quick meal during the working week or a clever recipe to delight guests, everything is explained clearly, step by step, and the many photographs make sure that even beginners can enjoy culinary success. The dishes are all combinations of lots of fresh vegetables, carbohydrates and the important plant proteins such as nuts, legumes, dairy products and eggs healthy and delicious! Go Veggie! will also show you how the protein foods tofu, seitan, and tempeh can be made into delicious dishes.
-----------------------------------------------Lonely Planet Across Asia on the Cheap [Kindle Edition]
http://www.amazon.com/Lonely-Planet-Across-Cheap-ebook/dp/B00BG3...
Pib. 2/01/13Lonely Planet: #1 Travel publisher in the world*
Lonely Planet Across Asia on the Cheap is a reprint of the very first Lonely Planet guide, originally published in 1973. It gives anyone interested in travel a unique insight into how Lonely Planet began and an idea of what it was like to travel Overland from Europe to Asia, 40 years ago. Inside Lonely Planet Across Asia on the Cheap Introduction to the Lonely Planet story
Latest eBooks Discover how far Lonely Planet's books have changed over the last 40 years
Country by country get an understanding of what it was like to travel Overland in the 70s... ideal for the armchair traveller eBook Features Seamlessly flip between pages
Quickly find what you are looking for with search capabilities
Use bookmarks to quickly return to a page
Add notes by touching a word to personalize your guidebook
Inbuilt dictionary allows you to quickly look up the meaning of any word
=========================================================Adventure Travel - 16 stories from a world traveller hoping to provide little inspiration for your next travel... by Ian Usher
http://www.amazon.com/Adventure-Travel-traveller-inspiration-ebo...
Pub. 4/29/12When Ian Usher put his "life" up for sale on eBay in 2008, he had no idea where life's adventure was going to take him next. Asked many times in interviews, "What will you do once you have sold your life?", his usual glib response was, "Anything I like, really!"But what did he really want to do next? After some frantic list writing, and last-minute planning, a two-year adventure developed - a list of 100 lifetime goals, and a challenging timeline of 100 weeks! This book details a few of the more adrenaline-fuelled and adventurous activities found along the way. The amazing adventures chronicled here include:-Bungee jump #1
Tomatina
High-diving
Oktoberfest
Hawk flying
Guns
Jet boat
Horse riding
Dog sledding
Captain Zodiac
Outback 4WD
Ayers Rock/Uluru
Kitesurfing
Cheese rolling
Wall of Death
Running with the bulls at PamplonaThe book also includes photos, and links to videos of many of the adventures too. Who could fail to be inspired to get out there and experience some of the adventure that the world has to offer?
=============================================================Candle in the Darkness (Refiner's Fire Book #1) (Refiner's Fire) [Kindle Edition]
http://www.amazon.com/Candle-Darkness-Refiners-Fire-ebook/dp/B00...
Pub. 1/01/02Book 1 in the Refiner's Fire series. The daughter of a wealthy slave-holding family from Richmond, Virginia, Caroline Fletcher is raised in a culture that believes slavery is God-ordained and biblically acceptable. But upon awakening to the cruelty and injustice it encompasses, Caroline's eyes are opened for the first time to the men and women who have cared tirelessly for her. Her journey of maturity and faith will draw her into the abolitionist movement, where she is confronted with the risks and sacrifices her beliefs entail.
===================================================Modern Buddhism: The Path of Compassion and Wisdom - Volume 1 Sutra by Geshe Kelsang
http://www.amazon.com/Modern-Buddhism-Compassion-Wisdom-ebook/dp...
Pub. 4/16/11Introduction and EncouragementThis eBook Modern Buddhism The Path of Compassion and Wisdom, in three volumes, is being distributed freely at the request of the author Geshe Kelsang Gyatso (the Kindle Store sets the minimum price at 99 cents and also additional taxes are added in many countries). The author says: Through reading and practicing the instructions given in this book, people can solve their daily problems and maintain a happy mind all the time. So that these benefits can pervade the whole world, Geshe Kelsang wishes to give this eBook freely to everyone.We would like to request you to please respect this precious Dharma book, which functions to free living beings from suffering permanently. If you continually read and practice the advice in this book, eventually your problems caused by anger, attachment and ignorance will cease.Volume 1 Sutra explains how to practise basic Buddhist compassion and wisdom in daily life. Covering topics such as What is Buddhism?, Buddhist Faith, The Preciousness of our Human Life, What does our Death Mean?, What is Karma?, The Four Noble Truths & Training in Love and Compassion, this volume shows how we can transform our lives, improve our relationships with others and look behind appearances to see the way things really are.Please enjoy this special gift from Geshe Kelsang Gyatso, who dedicates: May everyone who reads this book experience deep peace of mind, and accomplish the real meaning of human life.
====================================================Your Happily Ever After by Dieter F. Uchtdorf (May 25, 2012) - Kindle eBook
http://www.amazon.com/Your-Happily-Ever-After-ebook/dp/B00867483...Sometimes we need a reminder that life was never all sunshine and roses for fairy-tale princesses. Before the true love's kisses and happily ever afters, there came once upon a times of poisoned apples, spindle pricks, and impossible tasks.Speaking to the princesses of our Heavenly King, President Dieter F. Uchtdorf compares their challenges to those faced by famous fairy-tale heroines. Recounting Belle's captivity, Cinderella's servitude, and the sacrifices of the miller's daughter, President Uchtdorf emphasizes that each princess had to overcome adversity before she reached her happily ever after.Your Happily Ever After is an inspiring and uplifting message that will encourage latter-day princesses to focus on God's plan, to find happiness in service, and to embrace the blessings of the gospel.
=================================================================The Honor of the Queen (Honor Harrington) by David Weber (Mar 1, 2000) - Kindle eBook (Sci Fi)
http://www.amazon.com/The-Honor-Queen-Harrington-ebook/dp/B00BBI...RIGHT WOMAN, WRONG PLACEIt's hard to give peace a chance when the other side regards war as the necessary prelude to conquest, and a sneak attack as the best means to that end. That's why the Kingdom of Manticore needs allies against the so-called ""Republic"" of Haven--and the planet Grayson is just the right strategic place to make a very good ally indeed. But Her Majesty's Foreign Office had overlooked a ""minor cultural difference"" when they chose Honor Harrington to carry the flag: women on the planet Grayson are without rank or rights; Honor's very presence is an intolerable affront to every male on the planet.At first Honor doesn't take it personally; where she comes from gender discrimination is barely a historical memory, right up there in significance to fear of the left-handed. But in time such treatment as she receives from the Graysonites does become wearing, and Honor would withdraw if she could--but then Grayson's fratricidal sister planet attacks without warning and she must stay and prevail, not just for Honor's honor, but for her sovereign's, for--THE HONOR OF THE QUEEN.At the publisher's request, this title is sold without DRM (Digital Rights Management).
===============================================================Viewers (The Viewers Trilogy) by Scott Hawthorne (Mar 28, 2013) - Kindle eBook *Sci Fi)
http://www.amazon.com/Viewers-The-Trilogy-ebook/dp/B00C3N0C3M/re...
Pub. 3/28/13They can access alien technologies with only their minds. Captured by a psychopath, sixteen year old Glen Davies and his friends Alyssa and Neil must now choose between saving their loved ones and the subjugation of the planetSince the dawn of man, there have been Viewers. Leonardo Da Vinci, Issaac Newton, Albert Einstein, Bill Gates. People who, using only their minds, can tap into an alien internet and glimpse advanced technologies. Many of them think what they see comes from their own imagination. Others know better. For ages they have advanced our quality of life through their inventions and discoveries.But now, a mad man has decided to capture every viewer he can, and force them to use their abilities to create for him advanced weaponry with which he will conquer and subjugate every country on Earth. Their only way to stop him is if Glen and his fellow captive viewers fight back but to do so and fail would mean that they, their families, and loved ones would pay the ultimate price.
========================================================The Busy Writer's One Hour Plot by Marg McAlister (May 14, 2012) - Kindle eBook
http://www.amazon.com/Busy-Writers-Hour-Plot-ebook/dp/B0083FXTB6..."I have gone to writer's conferences for over 10 years now and have read most of the books out there on writing. Your One-Hour Plot book is the best tool I have read and heard about. It has completely changed how I write. I HATE outlining and plotting; I am a pantser. But, with your approach, I can do it and not hate it. Using the One-Hour Plot, I am able to create an easy outline. Thank you for writing so simply that I can understand and apply your advice immediately. (But, simplicity does not mean your books are not full of powerful material. On the contrary!)" Stacy DupleaseIf you're a busy writer who loves to write, but hates to plot... the One-Hour Plot System is just what you've been looking for!Lots of people have great ideas for a book. They're so excited that they just can't wait to fire up the computer and start writing. Dizzying visions of being a popular author with fans lining up for the next book have them bashing out page after page... for a few days. Or maybe even a few weeks. Then the harsh reality sets in. They take a day off writing The Novel, because they have come up blank. They can't seem to work out what should happen next... maybe a night off will help?The next day they still can't think of what to do next, so they take another day off. Uh oh. Is this the dreaded 'Writer's Block' they've read about??? Probably not. It's more likely to be You-Forgot-to-Plot-Your-Book Block. The sad truth is that while some writers can write day after day and plot 'on the fly', most of us need to have some idea of where we're going. It's not necessary to sit down and create a 40-page outline or spend days on character profiles (although you can if you want to!) but you will have a better chance of writing your book quickly and easily if:You know what your characters want,
You know why they want it, and
You know how they plan to get it.
That's where the Busy Writer's One-Hour Plot comes in. It shows you how to sit down with a timer and a handful of index cards, and work out a solid framework for your story... in just 60 minutes. But it doesn't stop there. It also shows you: How to prime the pump (so the ideas flow during that 60 minutes)
How to tweak your plot (you have the framework - now start fleshing it out)
How to use sub-plots
How to write a good ending
How to add a twist
Where to find further resources (because good writers are always thirsty for more knowledge!)
Everyone can spare an hour. At the end of it, armed with The Busy Writer's One-Hour Plot, you could also have the beginnings of your own best-seller. More comments from writers: "I've just tried the one-hour plot and loved it! I had no idea how the story would end so this surprised me... this is fast and doesn't let me procrastinate." Sharon Halasz "I closed the door. I muted the mobile. I set the timer for an hour. I started with an idea and I went from there... When the timer buzzed an hour later I had an outline of the plot: setting, character motivation, obstacles, action, character growth and the all-important ending. I had a working outline of my next novel!" Margaret Warner.
=======================================================================If Only I Could Read "Going to the Jungle" (Andy's Alphabet Adventures) by Heather Humbert (Mar 31, 2013) - Kindle eBook
http://www.amazon.com/Could-Jungle-Alphabet-Adventures-ebook/dp/...If Only I Could Read is a book series
"Andy's Alphabet Adventures Volume 1 "Going to the Jungle"
is a fun adventure with each alphabet letter colored for easy learning.
This book takes children on a fun adventure of ideas and imagination.
"If Only I Could Read" will inspire, encourages and teach children that
when they learn how to read and use their imagination...
they can go anywhere and do anything inside any book they are reading!
=========================================================================Understanding Credit Cards (Credit Cards 101) by Soluciones Tainas (Mar 25, 2013) - Kindle eBook
http://www.amazon.com/Understanding-Credit-Cards-101-ebook/dp/B0...Technology continues to advance everyday, with it so do advances in the economy. When it comes to financial resources, innovation; as a result of efficient financial system and services; has actually given individuals the best ways to manage their finances. One of great advances are Credit Cards. But just what are credit cards and how do we use them? How can you find the best one for your needs? This book gives you the basics of proper credit card adquisition, management and credit history maintenance.Est. Reading Time: 10 mins.
===============================================================Natural Mosquito Control: How To Get Rid Of Mosquitos Fast Without Toxic Chemicals or Insecticides (Organic Pest... by Stephen Tvedten (Mar 16, 2013) - Kindle eBook
http://www.amazon.com/Natural-Mosquito-Control-Insecticides-eboo...How To Kill Mosquitoes Without Pesticides or Toxic Chemicals Learn The Secrets of a Natural Bed Bug Pest Control Expert Everything you've been taught about killing mosquitoes is wrong! Learn how to: Kill Mosquitoes Instantly Without Any PesticidesDid you know that spraying pesticides to kill mosquitoes actually increases mosquito populations? This is because the same pesticides that "control" mosquitoes actually kill all the mosquito predators, including dragonflies. And the mosquitoes are much more resilient and respawn faster than their predators. So if you want an even worse mosquito problem, by all means start spraying pesticides. But if you want to get rid of your mosquito problems once and for all, read this book!
11 Natural Mosquito Repellents That Work Better Than DEETDEET and other chemical mosquito repellents aren't nearly as effective as natural insect repellents like catnip and 10 others you'll learn about in this book.
-=============================================================Ultimate Green Cleaning For Busy, Eco-Friendly People by Dylan Cruise (Mar 18, 2013) - Kindle eBook
http://www.amazon.com/Ultimate-Cleaning-Eco-Friendly-People-eboo...Discover how quickly and easily you can convert your home to an eco-friendly, sustainable, safe environment with Ultimate Green Cleaning! You'll learn of remarkable new eco-friendly technologies that save money and clean better than standard chemical cleaning. You'll discover simple, affordable solutions to replace many of the chemicals we use to clean our homes and automobiles. And You'll ultimately save money at the same time, as you won't be paying for over-priced, under-performing, potentially-dangerous chemical solutions for cleaning your home.Clean better. Clean safer. Clean faster. All natural, sustainable, and most importantly, effective solutions are provided in an easy-to-read, step-by-step format.Features and explains two new products that are just recently available to the marketplace, the e-cloth and the PureWash.

Office Depot FAR software for the week of 04/07/2013
Two free after rebate titles. Two $7.99 after rebate titles.
AVG Internet Security 2013 [331-684] $49.99
FREE After $20 Mail-In & $30 Mfr. Current User Upgrade Mail-In SavingsAVG AntiVirus + PC Tune Up 2013 [331-675] $49.99
FREE After $30 Mfr. Mail-In Savings & $20 Mfr. Current User Upgrade Mail-In SavingsMcAfee Internet Security For 3 PCs [830-698] $61.99
$7.99 After $8 Instant & $54 Mfr. Mail-In SavingsMcAfee AntiVirus Plus 2013 For 3 Users [830-644] $51.99
$7.99 After $8 Instant & $44 Mfr. Mail-In Savings
====================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

A mix of new & old & genres. Only guaranteed FREE at time of posting. Hopefully more later, heading for work now!The Thirteenth Unicorn (The Ben Alderman Series) [Kindle Edition]
http://www.amazon.com/Thirteenth-Unicorn-Alderman-Series-ebook/d...
Pub. 1/8/11While spending the summer with their grandparents on a remote farm in South Carolina, Ben Alderman and his sister Casey uncover a hidden world of magic; a world their grandmother is secretly visiting. It is a world where elves and dwarves are locked in mortal combat against a witch who is trying to free the last surviving wizard from exile. The witch has been defeated once before but with the combined power of the wizard, no one will be able to stand against them. Much to Ben's dismay, he learns that he is the one foretold in the ancient elfin prophecies to bring about the downfall of the witch and save this exciting new world from destruction.
==============================Trail of Bones: A Young Adult Fantasy Novel (An Epic Fantasy Adventure For Any Family) [Kindle Edition]
http://www.amazon.com/Trail-Bones-Fantasy-Adventure-ebook/dp/B00...
Pub. e/q/qeReady for a new adventure? Are you a fan of fantasy, young adult, science fiction and action stories?No mercy, No rules - Welcome to the Trail of Bones!Run with Purpose battle cry of the Shade Wolves Magnus, the runt of a litter of Shade Wolves, wants nothing more than to be a loyal, strong member of the pack. But when an ancient enemy threatens his friends and family, he faces a choice that could tear him from all he's known and loved.Born in captivity, the giant panther Kelor knows nothing but suffering and loss. He struggles to find his place in this world of terror, and he battles to protect his family without succumbing to the darkness lurking inside him.Falling captive to the evil Warden, the two are forced to fight in the battle of the beasts known as 'The Trail of Bones'. How will Kelor and Magnus learn to work together? How will they escape a fate of despair and death? How will their choices affect their comrades? Their enemies? And the forgotten magic that could doom all life of their world?Let the adventures begin! A fun, exciting, clean read for teens, young adults, adults and readers of all ages. Pick up your copy of this fantasy adventure today!
====================================================The Last Objective [Kindle Edition] by Bruce E. Prendergast
http://www.amazon.com/The-Last-Objective-ebook/dp/B00C2YUDIG/ref...
Pub. 3/27/13There's a mole within a United States Air Force Research Laboratory. Aldridge Ames never failed a lie-detector test, why should I? It's three weeks since the power grid failed. Unable to communicate with his military leaders except by telephone, with phone systems failing as battery backups expire, President Wiskin calls upon a team with Jason Bourne's skills and MacGyver's ingenuity: Jimmy Bancroft and Tom Dillon. Their mission: deliver the President's nuclear football to Minot Air Force Base, North Dakota and retaliate against the Chinese. Their journey isn't without peril. They fight off marauding motorcycle gangs preying on refugees, in an apocalypse world where rogue CIA agents set the rules of engagement.
==========================================================Impact Player: Leaving a Lasting Legacy On and Off the Field [Kindle Edition] Bobby Richardson (Author), Joe Girardi (Foreword, Contributor), David Thomas (Contributor)
http://www.amazon.com/Impact-Player-Leaving-Lasting-ebook/dp/B00...
Pub 8/17/12
Former Yankee Bobby Richardson played alongside Mickey Mantle, Roger Maris, Whitey Ford, Joe Pepitone, and Yogi Berra during one of the most prolific dynasties in baseball history, and he remains to this day the only player from the losing team ever to be named World Series MVP.In Impact Player, Bobby shares his life story, including never-before-told tales from the Yankee clubhouse during the historic 55-65 pennant runs and World Series appearances. The book also features the unlikely friendship Richardson, a devout and outspoken Christian, shared with Yankee legend and renowned drinker and womanizer, Mickey Mantle.The perfect combination of faith and baseball, Impact Player offers a rare glimpse into one of the most celebrated dynasties in the history of the game, and it paints a fascinating portrait of a life well-lived and the lasting rewards that come from knowing and loving God.
========================================================Up From Slavery: An Autobiography [Kindle Edition] by Booker T. Washington
http://www.amazon.com/Up-From-Slavery-Autobiography-ebook/dp/B00...
Pub. 10/2/12Booker T. Washington (1856 - 1915) was born a slave but would later become one of the most influential black men in United States history. Washington advocated peaceful protest and believed violence would hurt the chance for African-Americans to secure civil rights. W.E.B. Du Bois, another famous writer and civil rights activist in the early 20th century, believed in stronger protests. Though both men went about things different ways they both are still well read today and recognized for helping African-Americans get civil rights.This version of Up From Slavery: An Autobiography includes a table of contents.
======================================================Caveman Farts: The Story of the First Stinky Fart (The Disgusting Adventures of Milo Snotrocket) [Kindle Edition] (children)
http://www.amazon.com/Caveman-Farts-Disgusting-Adventures-ebook/...
Pub. 2/26/13FREE Audiobook Inside!That's right...For a limited time you can download a FREE bonus MP3 audiobook version of J.B. O'Neil's brand new "Caveman Farts - The Story of the First Stinky Farts" with your purchase of this Kindle ebook. You and your kids will laugh out loud as you listen to this fart-tastic audiobook (over 20 minutes long...complete with disgusting sound effects!). That's twice the farting fun -- Grab this book and get this bonus audiobook FREE while it's still available !From #1 Bestselling Author J.B. O'Neil!Ready to laugh your butt off? Milo Snotrocket is back and stinkier than ever in this hilarious new episode to the #1 Best-Selling "Fart Book" series.Here's what readers are already saying about the side-splitting, bottom-burping Fart Books:"I haven't heard my daughter laughing and giggling that much since she stared school. Thank you J.B O'Neill - I will definitely get all your books to keep my child laughing." ~ Lisa D.
==================================================No Way Out - And Other Scary Short Stories [Kindle Edition] (children/teens)
http://www.amazon.com/No-Way-Out-Stories-ebook/dp/B00513D9HW/ref...
Pub. 5/15/11Includes two free additional short stories.
That's three 'terrorific' short stories for kids and teens at one low price.No Way out - Mike takes a bet to go inside a haunted house, but will he live long enough to collect?Also includes:
The Price of Friendship - How much is a best friend worth? Joey finds out the hard way.Hobgoblin Horror - Jake only volunteered at the retirement home because Shelby works there. So, it's no wonder he's doesn't hear Mr. Fitches' warnings about a local homicidal hobgoblin--too bad for him.
Includes a free extended preview of Super Zombie Juice Mega BombPraise for the Author:
"...master of mid-grade horror, M.J.A. Ware's tales are told in a pleasantly chatty first-person style, the voice convincingly that of a young teen put-upon by sisters, brothers, parents, friends and the rest of the world... until the rest of the world jumps in with scares aplenty." --Sheila Deeth, Author, blogger, and reviewer.================================================Success Takedowns: How to profit from your ideas the right way [Kindle Edition]
http://www.amazon.com/Success-Takedowns-profit-ideas-ebook/dp/B0...
Pub. 3/2/13Success Takedowns is a book that aims to help you take down and tackle every bit of hurdle towards online success. Straight from the beginning to the end, this book will tell you the correct steps so you wouldn't be taken down by anyone anymore. From personal experience, this book is written by an author with more than 10 years of experience with online marketing, seo, programming, web-developing and advertising.
==================================Lunch in a Flash (Fast Food From Home) [Kindle Edition]
http://www.amazon.com/Lunch-Flash-Fast-Food-ebook/dp/B007GGKPSS/...
Pub. 3/2/12Buying lunch gets expensive. Taking or making lunch can get boring and repetitious.until now.Lunch in a Flash costs less and tastes better than buying your lunch every day. And with all the different ways to quickly make your lunch, you can look forward to new ways to enjoy your lunch breakat home or at work.A variety of preparation times are available for quickly making your lunch for today or making lunches ahead of time to quickly have it available on another day.This isnt a free lunch, but it may feel like it when you enjoy what youve made!
==============================================An Innocent Client (Joe Dillard Series No. 1) [Kindle Edition] by Joe Pratt
http://www.amazon.com/Innocent-Client-Dillard-Series-ebook/dp/B0...
Pub. 10/22/12A preacher is found brutally murdered in a Tennessee motel room. A beautiful, mysterious young girl is accused. In this Mystery Readers International finalist for "Best Debut Mystery," criminal defense lawyer Joe Dillard has become jaded over the years as he's tried to balance his career against his conscience. Savvy but cynical, Dillard wants to quit doing criminal defense, but he can't resist the chance to represent someone who might actually be innocent. His drug-addicted sister has just been released from prison and his mother is succumbing to Alzheimer's, but Dillard's commitment to the case never wavers despite the personal troubles and professional demands that threaten to destroy him. "Pratt's richly developed characters are vivid and believable, especially the strong Southern women who fight their male-dominated culture from behind a facade of vulnerability in this brilliantly executed debut." -- Publisher's Weekly "Its Scott Turow and Grisham... The opening chapter is maybe the most compelling Ive read in a decade. Ken Bruen Smart and sophisticated, with a plot twist that will leave you shaking your head in wonder, "An Innocent Client" -- the first in the acclaimed Joe Dillard series -- will also leave you begging for more.========================================================
How To Stop Procrastinating And Live The Life You Choose (Workbook Included) (The Human Rhythm Formula) [Kindle Edition]
http://www.amazon.com/Procrastinating-Workbook-Included-Formula-...
Pub. 3/1//13***INCLUDING WORKBOOK ****** ALSO A GREAT TOOL FOR COACHES...
When given this book, my clients achieved breakthroughs in half the time.Discover your personal rhythm and lead the life you choose - WITHOUT PROCRASTINATING.
- Learn a quick fix for procrastinating you can apply in just 0.5 SECOND
- Be FREE of PROCRASTINATION, fear, anger, failure, inaction, anxiety, & self-criticism
- Increase your self confidence and personal effectiveness exponentially!
- Know how to apply the secret HUMAN RHYTHM FORMULA: Re = P/E
In PART 1, each of six self sabotaging dance steps is illustrated with rhythmic descriptions, symptoms, real life examples. Why six? because we all use at least three of them!
Contents:
Introduction - What's in it for you
- Your expected outcomes include...
PROCRASTINATION and the other 5 Sinister Steps of Self-Sabotage
- The Facts Up Front
- 1. Lingering limbo - dance of Procrastination
- 2. Worrying Waltz - dance of Anxiety
- 3. Critical Cha Cha - dance of Self-Criticism
- 4. Soft Shoe Shuffle - dance of Avoidance
- 5. Punishing Paso Doble - dance of Aggression
- 6. Toxic Tango - dance of Frustration
- 7. Positive Polka - dance of Productivity This is the starting point for you to take real, life-evolving action, transform the way you think and act, and STOP PROCRASTINATING NOW.Included in PART 2 are action boxes and worksheets for you to progressively identify and record your own unique experiences and insights as you move towards OVERCOMING YOUR PROCRASTINATION.
Contents:
YOUR Human Rhythms
- We all dance to the same tune, but differently
- Your centre of Gravity
- The Need For Internal Rhythm
- Finding Your Own Core Rhythms
- A Sack of Dirt and Water That Can Think
- An Exercise in Applying Your Core Rhythms
- The Human Rhythm Model
- Bringing It All Together - You Have Choice
- The Secret Formula to Beat Self- Sabotage
- Key review Points - Beating Self-Sabotage
- Your New D-A-N-C-E: the RHYTHMIC RUMBA

The me preface this by apologizing if this isn't finance related enough.I am currently a student in college (junior on paper, sophomore in real life), having earned 79 credits from this school, or AP credits, or transfers from another school when I was in high school.
I am currently going for computer engineering and have hit a point where things just are not being absorbed in school. I am failing every class but my GE for this semester and it isn't for a lack of trying. I went into this major because I am a tech enthusiast, I like the pay out of college, and because I'd almost be guaranteed a job out of school. I don't know if I'd enjoy sitting in an office all day designing technology as I spend almost my entire Summer outdoors.
I was looking to switch my major to something else but everything that I'm interested in requires a GPA higher than what I have (engineering has killed my GPA) and they require less than 75 credits to transfer into them (thanks to everything transferred from high school, that deadline has passed).
I have been going around to the various departments on campus to try to get an idea of what will happen if I drop classes, fail classes, etc. and to see what my options are but they are seeming sort of bleak at this point.
I refuse to take a semester off because I fear I would never return (and I'm sure my parents wouldn't be too fond of it either). My friend has rightfully called a college degree a "participation award" and there is no way I'm not going to get one.
I really, really dislike my school but attend because it is local and I live at home to save money (the FWF way I guess). I'm stuck between a rock and a hard place at the moment and I feel like if I don't act within the next two weeks, I won't be able to transfer to another school if that is what I decide to do because the deadlines will have passed and my GPA will just drop even lower.
Any advice would really be appreciated as there is a lot going on, the on campus support is not overly helpful, and they are all pretty big decisions.
Thanks.

I would appreciate advice on a situation we have encountered with our tenant; details below:We are landlords of a condo unit. On the day of the current tenant's move-in, they struck the parking garage structure with a rented truck, damaging the garage door and structure to the tune of $11,000. The tenant notified us the day it happened, and indicated in an e-mail that they take full responsibility for the situation. They filed a claim with their auto insurance, which was apparently initially approved, but then was ultimately denied due to limits on the gross tonnage of the vehicle driven at the time exceeding their personal auto insurance limits. The repair work was performed as it was necessary for operation of the garage. The condo association paid the contractor as they did not want a lien on the property.We have been sent a notice from the condo association saying that we (landlords) are responsible for the funds owed because under the rules of the condo association we are responsible for the behavior/actions of our tenants. We immediately notified the tenant of this situation (they were not aware that the claim was denied), and they are trying to fight the claim with the auto insurance. However, I am not very hopeful this will lead anywhere and I get the feeling that they are dragging their feet. We have a standard landlord insurance policy but have not filed a claim as I view this as a last resort before suing the tenant to collect the funds, should they not pay. There seems to be some question as to whether it would cover such damages, anyway (I spoke with the company). The condo association filing a claim is 99% not going to happen as it takes a board motion and may raise rates.The terms of our lease with the tenant has a broad indemnification clause that protects us from such a situation (I've copied it below) - but what I'm looking for advice on is the steps by which to start the process to get the money from the tenant.Ideas for first steps? I've considered the following:
-Sending a certified letter or notice of the amount owed myself and citing the terms of the lease.
-Engaging a lawyer to send a collection notice to the tenant with a requirement of payment in X number of days.
-Filing a claim concurrently with my landlord insurance while trying to collect via the - any thoughts on this?Any help would be appreciated.

Indemnification clause:
Landlord shall not be liable and tenant hereby waives all claims against landlord for any damage to any property or any injury to any person in or about the Premises or the building of which the Premises are a part of, or in the structure or equipment of the structure of which the Premises are a part from any cause whatsoever, except to the extent caused by or arising from the gross negligence or willful misconduct of landlord. Tenant shall protect, indemnify and hold the LANDLORD harmless from and against any and all loss, claims, liability or costs (including court costs and attorney's fees) incurred by reason of (a) any damage to any property or any injury to any person occurring in, on or about the Premises to the extent that such injury or damage shall be caused by or arise from any actual or alleged act, neglect, fault, or omission by or of tenant, its agents, servants, employees, invitees, or visitors to meet any standards imposed by any duty with respect to the injury or damage; (b) the conduct or management of any work or thing whatsoever done by the tenant in or about the Premises or from general use Premises by the tenant; (c) tenant's failure to comply with any and all governmental laws, ordinances, rules, and regulations applicable to the condition or use of the Premises or its occupancy; or (d) any breach or default on the part of tenant in the performance of any covenant or agreement on the part of the tenant to be performed pursuant to this Lease. The provisions of this Article shall survive the termination of this Lease with respect to any claims or liability accruing prior to such termination.

Amazon Gold Box - Leviton Decora Wall Switch Occupancy Sensor $32.99Product Features
Convenient push-button provides manual on/off light switching at any time
180-degree field of view provides approximately 2,100 square feet of coverage
Segmented Fresnel lens provides optimum sensitivity and performance
Horizontal field of view may be adjusted between 180 degrees and 32 degrees of arc
Ambient light override can be set to prevent activation if sufficient ambient light is availableProduct Description
Amazon.com
The Leviton ODS10-ID Decora wall switch occupancy sensor is the ideal energy-saving choice to provide automatic (auto on/off and manual on/auto off) lighting control in a variety of commercial and residential applications, including offices, conference rooms, multimedia rooms, child-care centers, and more. The ODS10 is the perfect solution for controlling a wide variety of load types. It features a low-profile digital design and vandal-resistant PIR lens. It does not require a neutral connection, and it installs in place of a single-pole wall switch to fit in a standard wall box.ODS10-ID Decora Wall Switch Occupancy Sensor
At a Glance:
Automatic lighting control; 180-degree field of view; 2,100 square feet of coverageUse with incandescent lamps, fluorescent, and low-voltage lighting with electronic or magnetic ballastsConfigurable for optimum sensitivity and performanceLow-profile design eliminates obtrusive scanning device lookFive-year limited warranty
180-degree field of view; provides approximately 2,100 square feet of coverage (shown in white). View larger.
Field of ViewAutomatic Lighting Control for Energy Savings
It's well-known that turning off the lights when leaving the room is one of the simplest ways to cut down on energy usage. Yet it's not always convenient or easy to remember, especially in places where a variety of people are coming and going throughout the day.The ODS10-ID helps eliminate the problem of load type selection by providing automatic control of incandescent lamps, fluorescent, and low-voltage lighting with electronic or magnetic ballasts. It provides an adjustable 180-degree field of view with optional adjustments for sensitivity, ambient light override, and delayed off time. The unit also features a manual override switch that can be used to keep lights off while an area is occupied, which may be desired in conference rooms and other areas during slide or film presentations.For increased energy savings, the ODS10-ID offers a light sensor which provides an ambient light override option that can be set between 2 and 500+ foot-candles at full brightness to prevent the sensor from switching lights on when there's sufficient sunlight, regardless of occupancy.About PIR Technology
The ODS10-ID uses passive infrared (PIR) detection technology via a segmented Fresnel lens to monitor a room for occupancy. This specialized lens divides the field of view into sensor zones. When a person passes into or out of a sensor zone, the sensor detects motion and switches the lights on. The lights will remain on as long as there is an occupant in the room. When the space being monitored by the sensor is unoccupied for the preset time you've chosen, the unit will switch the lights on.Long Life and Automatic or Manual Operation
To ensure longer service life and compatibility with electronic ballasts, the ODS10-ID carefully times its switching-contact opening and closing with the zero crossing point of the AC power curve (Zero Crossing Technology). Additionally, a latching relay provides prevents product failure when used with high inrush loads.For manual control, the ODS10-ID features a convenient push-button switch. If the lights are off, pressing the button will turn lights on and keep them on for as long as the room is occupied. This mode is ideal for areas where manual on switching is required but automatic off switching is desired for energy savings (CEC Title 24 Compliant). Lights can also be turned off manually at any time by pressing the push button.For three-way and four-way control, the ODS10-ID features multi-location capability, where multiple sensors can work with one load. Multiple sensors are wired together with the load to turn the lights on. Both sensors must time out or both manual buttons must be pressed for the lights to turn off.Compliancy and Warranty Information
UL-listed and CSA certified, the Leviton ODS10-ID Decora wall switch occupancy sensor complies with California Title 24 Energy Code and FCC regulations, and is backed by a five year limited warranty.What's in the Box
Leviton ODS10-ID Decora wall switch occupancy sensor and manual. Wall plate not included.
ODS10-ID Decora Wall Switch Occupancy Sensors ODS10-IDI Ivory
ODS10-IDW White
ODS10-IDG Gray
ODS10-IDT Light Almond
http://www.amazon.com/dp/B0007N72P6/ref=xs_gb_A3B462ELLOJT5U?_en...
Amazon Coupons

Canada Discusses Forced Depositor Bail-In Procedures for "Too Big To Fail" Banks in 2013 BudgetMish

Office Depot FAR software for the week of 03/31/2013 (two $10 AR titles)
McAfee Total Protection For 3 Users [830-788] $79.99
$9.99 After $60 Mfr. Mail-In & $10 Mfr.Trend Micro Titanium Internet Security For 3 Users [220-849] $79.99
$9.99 After $40 Mfr. Mail-In & $30 Mfr. Current User
====================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

just saw this tonight at the best buy in bailey's crossroads, va. signage specifically states mobile upgrade check coupon, but probably safe to assume they've worked out the kinks by now. too bad it's not in time to get adjustments from the $10/$25 gift card with $50/$100 bluray purchase in-store (15 days), unless you're premier (60 days), or the promotion continues next week.below is taken from aamine's thread from last time, just updated:"BEST BUY UPGRADE AND SAVE PROGRAM -- Begins April 21, 2013 through the end of business May 11, 2013Bring in an original, commercially released DVD (no burned copies) with its original case and you'll receive a $5 coupon that's valid on select Blu-ray movies. Just head to the customer service counter at a Best Buy store near you for complete details and to take part.For those have participated before the expected Upgrade and Save will be starting in a little less than four weeks. For those who have not, this can be a pretty good program to trade some old DVDs for $5 coupons to buy Blurays pretty cheaply It looks like a full 3 weeks this time. This is the 5th or 6th time for this version of the program, but each time it works just a little differently and if you go the first couple days of the program you may get some questionable looks. The program seems to have settled into a quarterly deal averaging 3 weeks -- 4 wks last summer, 2 wks in October.Assuming all past rules apply this is the program FAQ. Even more than usual YMMV applies -- there are lot of different scenarios for this program and it seems each store and each manager seems to have a different playbook. This program gets a lot of different responses.1) Trade in ANY DVD for a $5 credit toward purchase of ANY $9.99+ Bluray in stock at Best Buy B&M. This is basically an instore only deal.-- Limit 5 per visit. Per visit is most often interpreted as 5 per day per customer, but many people have just walked out and come back in immediately or later the same day with 5 more discs. Plenty of people have done far more than 5 at a single visit as long as the store allows the exception.-- No stacking of coupons. One Coupon, One Bluray . A Single $5 discount coupon is allowed per Bluray or Bluray boxset (it may be the only rule I've never seen stretched). A boxset of 3 movies will not allow 3 coupons and you can't use 2 or 3 coupons on a single Bluray under any circumstance.-- Most of the time the coupons have an expiration date co-coinciding with the last day of the program so you can't save them and use them next month.2) Trade in DVDs do not have to be same title as Bluray. Boxsets are most often counted as 1 DVD so if you bring is a set with 4 movies in one case then you will likely be given 1 coupon and not a coupon for each disc. If your set has for cases in a boxset, just toss the box. If you have a TV series with 5 cases, bring them in as individual pack and not as a set. This works best if each case has a UPC code (S1, Disc 1). I've also found that if you bring in a bunch of discs of the same season, same show then some clerks will balk so best idea is to bring 1 (slim)case from each set and make another trip later or be prepared to discuss the details.-- If somebody pulls up a list off Google of 100 or 150 Old Blurays that are "Only Movies Allowed" then they are likely showing you the lists for May or October 2011 which were restricted to certain titles. The Google lists get pulled up everytime this program is live either online or even instore -- check the dates on the list. If someone tries to tell you only same titles can be exchanged then they are incorrect. This is not the same of Selling/Trade-In for Used Video Games and every time there are lots of people who get sent to the Video Games Department by employees thinking you are selling items. The Upgrade and Save program is separate and almost always handled at the Customer Service Counter.3) DVD must be a commercially produced discs (no burned copies)4) No adult DVD that are specifically XXX content whether they are rated XXX or not.5) Discs are supposed to have the original case and artwork and the discs are meant to be at least presentable -- the disc at least should look like it can be played. Many stores require the UPC to be intact. Some stores check things pretty closely (right disc, right case, right UPC, disc condition) and others just toss the case into the recycle bin without any screening. In reality discs in anything that look like regular case are often accepted by some stores including those is Blockbuster/3rd party cases with rental stickers and and nowhere near original artwork and UPC.** Are HDDVD or HD-DVD combo packs eligible. This has been a YMMV issue and some places people have been given credit for both type discs, others only if it was a combo, and some stores refused to consider it at all for the trade-in. If you run into this issue either try a different store or call 1-800 BESTBUY and see if they can clarify the issue for you or your Store Manager.6) Bluray -- all current and new release Bluray priced $9.99 or above should be included. Music Blurays have been included since the April 2012 program which is different than previous sales. Preorders are not included. Discs not in store can sometimes be ordered from BBY.com and some managers will apply a coupon to that item, but ....7) Each store in the past had there own logistics of how to work the program. Most stores would make you stop at the entry and have your used discs stamped/marked/taped.-- Many stores had you bring the used DVD to the Service desk, check them out to make sure they met criteria and gave the customer a preprinted coupon(s) with a receipt attached to the coupon/barcode. Some stores gave the customer a Copied sheet of paper with the UPC bar code and attached receipt to 'activate' the sheet of paper. The coupon could them be exchanged at the regular register for the Bluray you were purchasing and the barcode automatically deducted the $5 at sale. This allowed you to take your coupons out of the store and purchase later. The expiration date on the official coupon is usually the last day of the sale. . If you are given a coupon with a receipt attached do not detach them or your coupon may well be disallowed.-- Some stores required you to bring/leave your DVD at the Customer Service desk, then bring your Blurays to the Service desk to complete the purchase. No coupons were given out so you had to exchange and purchase the discs the same day.-- Some stores would allow you to trade your DVD for a coupon at the Service Desk, but each coupon was marked/Dated and you were told it was only valid for the date on the coupon and in that specific store. [Only had this happen once and I have no idea what would have happened if I took the coupon to a different store or brought it back to the same store later.]8) Discounts should be taken from the actual Selling Price of the Bluray on the day of purchase despite the fine print on the coupon saying "Discount taken from Regular Price." This has and will likely continue to be a contentious point until corporate absolutely clarifies the issue or changes the language. BBY ads often show discs with Sale Prices and then subtract the $5 U&S coupon so logically that should apply to all other discs.9) Price matching and also using $5 coupon is a big YMMV since this can be most certainly considered combining offers or double dipping much in the same way that PM and getting a gift card for purchase is often considered doubling up. Since the U&S is considered a Store coupon it should be applied to the price before trying to PM unlike a Manufacturers coupon (this difference is spelled out very specifically in Target and other stores coupon use policy, but not specifically in BBY policy).10) There should be absolutely no arguments about using Reward Zone certificates during purchase.11) Additional Manufacturers Coupons SHOULD BE allowed and should be considered the same as cash or a gift card on top of the $5 Promo. This doesn't mean it won't be argued and it certainly doesn't mean it will be accepted, but according the Best Buy's own Corporate Reps, the use of MQ should never be questioned whether it's a sales price or pricematch or promo.Multiple times the Best Buy Corporate Employees have had to repeat the phrase "The store should honor the coupon, even with the price match. Any valid manufacturers coupon displaying the manufacturers address, a barcode, and labeled as a Manufacturers coupon at the top should be accepted on the product listed, regardless of the price." If there are any issues call the 1-800 number in store and ask for a ruling (unfortunately this often ends up being decided "Manager runs his own store in his own way" unless it just flat out violates some policy. BBY.com community forums are the bet place to take issues and often will be decided in the customers favor with credits and RZ given to cover the missed discounts. Yelling and screaming in the store is not going to win you any arguments in store even if you are correct and will likely get security involved and irritate everybody else in the store.12) Buying a disc this week in hopes of applying the coupon next week will work, but it should work as a return/Rebuy so if the price is higher next week it may not always save you money. As usual there is some YMMV whether some stores will allow you to repurchase the same disc unless the store has current stock. The same can be said of ordering discs online for pick up at the store -- some stores have allowed a return/rebuy to add the coupon and some stores have refused to do this.13) Only USED DVD or HDDVD movies are normally allowed as trade in. . Best Buy is only supposed to accept used DVDs, so make sure the DVD(s) you're bringing in to trade are unwrapped. They will sometimes refuse to accept them if they're sealed. If you find some sealed DVD cheap and bring them to the store sealed, there have been issues. The easiest thing to do is just open them.14) Where to find cheap DVDs: If you don't have any spare DVDs laying around that you wish to part with, there are a variety of places to find cheap DVDs for less than $1-$2 each. Pawn shops, thrift stores, garage sales, flea markets, dollar stores, and eBay Several people have had success at Dollar Tree, where select DVDs can be found for 25 cents, and some titles even for 1 cent. *Disclaimer* Finding these 25/1 cent DVDs is a YMMV situation. Some stores have them, some don't. Some BBY stores have balked at accepting these essentially throwaways in slim cases or cardboard sleeves though technically they are commercially
manufactured and in their original cases so you should prevail..Bringing 5 of the exact same item in for trade in -- often these cheapo discs can raise some eyebrows so if you can divide them up and bring in 5 different items it will go smoother though not to say it won't work15) Most people have failed at trading in Blurays for coupons even if there is a DVD in the case.16) If you have a multidisc DVD with those removable trays for extra disc, it is best if you just bring in the case with the tray out and you can keep the extra disc (cool for bonus material). Empty disc trays do raise suspicion at the service desk.17) Nobody knows exactly what happens to the old discs and cases. The official word is they are recycled at some national recycling center -- whether this means they are donated to charities for a tax deduction, sold to 3rd party resellers, or just destroyed is murky."last time this came around they didn't take the receipt or coupons from me each time, so i wound up being able to use the first four (plus one mobile upgrade check coupon) repeatedly, somewhere near twenty times. it also conveniently overlapped with the $50 off $100 mastercard botching, so i had a few fun trips getting that all sorted out. all in all, a pretty decent haul though, so if you're looking to expand your collection a bit..here's your chance!
Best Buy Coupons

https://www.elizabethstreetcontests.com/hmgiveaway/MUST ACCEPT NEWSLETTERS
1.H&M Onesie Giveaway: How to Enter: Beginning March 21, 2013, at 12:01 a.m. (ET) through April 21, 2013, at 11:59 p.m. (ET), go to www.elizabethstreetcontests.com/hmgiveaway and submit the entry form pursuant to the on-screen instructions. Sponsor reserves the right to terminate the Onesie Giveaway at any time, for any reason or no reason.
Recipients Selection: Each participant that submits multiple entries (as provided in the on-screen instructions) will receive up to three (3) Giveaway Packages each comprising of: one (1) baby onesie and one (1) printed catalog containing a 20% discount coupon on purchases of kids and baby products.
Giveaway Package & Approximate Retail Value: Each Giveaway Package contains one (1) baby onesie suggested retail price of $12.95 and one (1) printed catalogue (retail value $0). The Giveaway Packages will be awarded to participants subject to Giveaway Packages availability. As soon as practicable when supplies are finished Sponsor will in its own discretion either post a notice online or terminate the Onesie Giveaway. The use of the coupon by participants shall be regulated by the terms of the coupon. Coupons are not cumulative and cannot be combined with other offers or discounts. Entrants will be notified via phone, e-mail, or postal mail, at Sponsor's discretion, on or about April 30st, 2013 or will receive the Giveaway Packages by mail.
2. ENTRIES: Each participant to the H&M Onesie Giveaway that submits multiple entries (as provided by the on-screen instructions) will receive up to (3) Giveaway Packages per person and/or email address for the (referred to as the "Promotion").
More than three (3) entries from the same person and/or email address will be disqualified at the discretion of the Sponsor. Entries using macro, robotic, script, or other forms of automatic entry will be disqualified. Entries become the property of the Sponsor and will not be returned. Proof of submission does not constitute proof of receipt. If there is a dispute as to the identity of entrant, the Giveaway Packages will be awarded to the authorized account holder of the e-mail address. The "authorized account holder" is defined as the natural person to whom the e-mail address is assigned by an Internet service provider, online service provider, or other organization (e.g., business, educational institution, etc.) that is responsible for assigning e-mail addresses for the domain associated with the submitted e-mail address.
3. ELIGIBILITY: Open to legal residents of the 50 United States and the District of Columbia who are 18 years of age or older. Void in Puerto Rico and where prohibited by law. Employees of Sponsor, its parents, affiliates, and subsidiaries, participating advertising and promotion agencies, and Giveaway Packages suppliers (and members of their immediate family and/or those living in the same household of each such employee) are not eligible.
4. CONDITIONS OF PARTICIPATION: In order to enter the Promotion, you must (i) complete the entry form pursuant to the on-screen instructions, and enter your complete information including a valid US mailing address, e-mail address, and (ii) accept to receive mail offerings, email communications from the Sponsor and/or any of its business partners, and the Elizabeth Street newsletter by email from Elizabethstreet.com, and (iii) accept to receive mail offerings, email communications from H & M Hennes & Mauritz AB or its affiliated companies. If you fail to (i) complete the entry form pursuant to the on-screen instructions, or (ii) to enter your complete information including a valid US mailing address, e-mail address or (iii) do not accept to receive mail offerings, email communications from the Sponsor and/or any of its business partners and the Elizabeth Street newsletter by email from Elizabethstreet.com and (iv) to receive email offers and other communications from H & M Hennes & Mauritz AB or its affiliated companies, your name will not be included in the list of participants for purposes of obtaining the Giveaway Package(s) as provided herein by the Sponsor. For purposes of this Promotion P.O. Boxes are not considered as a valid US mailing addresses. Entries generated by script, macro or other automated means are void, as are entries that are illegible, garbled, incomplete or that contain errors. Normal time, toll, connection and usage rates, if any, charged by your Internet service provider will apply. Entrants must fill out all the information requested and have a valid e-mail address, and a valid US mailing address and it is entrant's responsibility to update Sponsor of any change in e-mail address or mailing address by notifying the Sponsor at the address indicated below. Expenses not specifically included in Giveaway Package description and all taxes are the sole responsibility of the winner. Each Giveaway Package is awarded "AS IS" with no warranty or guarantee, either express or implied, outside of manufacturer's limited warranty, and cannot be exchanged or returned. No transfer, assignment, or substitution of a Giveaway Package is permitted, except that Sponsor reserves the right to substitute an item in the Giveaway Package with an item of equal or greater value in the event that an advertised item is unavailable. All federal, state, provincial, and local laws and regulations apply. Entrants agree to be bound by the terms of these Official Rules and by the decisions of Sponsor, which are final and binding on all matters pertaining to this Promotion. Winner may be required to sign and return an Affidavit of Eligibility, a Liability Release, and, where legally permissible, a Publicity Release within 7 days following the date of first attempted notification. Failure to comply with this deadline may result in forfeiture of the Giveaway Package and selection of an alternate winner. Return of any Giveaway Package/Giveaway Package notification as undeliverable may result in disqualification and selection of an alternate winner. Winner hereby further agrees that he/she will sign any documents necessary to transfer copyright of the entry to Sponsor within 7 days following the date of first attempted notification. By accepting Giveaway Package, participant agrees to hold Sponsor, its advertising and promotion agencies and their respective parent companies, subsidiaries, affiliates, partners, representative agents, successors, assigns, officers, directors, and employees harmless for any injury or damage caused or claimed to be caused by participation in the Promotion or acceptance or use of the Giveaway Package. Sponsor is not responsible for any printing, typographical, mechanical, or other error in the printing of the offer, administration of the Promotion, or in the announcement of the Giveaway Package.

If you have received a pre-approved credit card offer in the mail make sure you read everything. There are good and bad offers and you need to know which credit card offer is for you.Look for: * The Annual Percentage Rate (APR). If the interest rate is variable, how is it determined and when can it change?
* The periodic rate. This is the interest rate used to figure the finance charge on your balance each billing period.
* The annual fee. While some cards have no annual fee, others expect you to pay an amount each year for being a cardholder.
* The grace period. This is the number of days you have to pay your bill before finance charges start. Without this period, you may have to pay interest from the date you use your card or when the purchase is posted to your account.
* The finance charges. Most lenders calculate finance charges using an average daily account balance, which is the average of what you owed each day in the billing cycle. Look for offers that use an adjusted balance, which subtracts your monthly payment from your beginning balance. This method usually has the lowest finance charges. Stay away from offers that use the previous balance in calculating what you owe; this method has the highest finance charge. Also don't forget to check if there is a minimum finance charge.
* Other fees. Ask about special fees when you get a cash advance, make a late payment, or go over your credit limit. Some companies charge a monthly fee regardless of whether you use your card.The Fair Credit and Charge Card Disclosure Act require credit and charge card issuers to include this information on credit applications. The Federal Reserve Board provides a free brochure on choosing a credit card and a guide to credit protection laws at their web site.Comparing Cards * Bank Rate web site provides free credit card tips and information.
* Consumer Action web site has a site that features credit card surveys of interest rates, fees and other terms from dozens of credit cards, as well as free brochures and guides on choosing and using credit cards.
* Card Web lists credit cards and offers e-mail newsletters, frequently asked questions and online credit card calculators.
* Card Ratings lists and reviews credit cards, and offers tips and credit card calculators.Lost and Stolen Credit CardsImmediately call the card issuer when you suspect a credit or charge card has been lost or stolen. Many companies have toll-free numbers and 24-hour service to deal with such emergencies.By federal law, once you report the loss or theft of a card, you have no further responsibility for unauthorized charges. In any event, your maximum liability under federal law is $50 per card.ComplaintsTo complain about a problem with your credit card company, call the company first and try to resolve the problem. If you fail to resolve the issue, ask for the name, address and phone number of its regulatory agency.If the word national appears in the name or the letters N.A. appear after the name, the Office of the Comptroller oversees its operations.To complain about a credit bureau, department store or other FDIC-insured financial institution, write to the Consumer Response Center.

My brother-in-law borrowed a large sum of money from his mother and has failed to repay it.
He signed a promissory note.Can her estate claim it if she passes away?
or
Does the promissory note get voided?

BH Photo 6% Reward Special - Limited Time Offer. Offer ends MAR 30 '13Nikon D600, D800, D800E, D4, Canon EOS-1D X, Sony SLT-A99
Free shipping in the contiguous United States.
Additional savings and MIR's are available on the page.To Receive Your Rewards:
Purchase any eligible product and receive the specified percentage back in Rewards points (Currently not available with Google Wallet). The percentage is calculated based on the price you pay for the eligible merchandise; tax, shipping & handling and any other fees are not eligible for Rewards points. Your order must be placed while you are logged in to your B&H online account. If you fail to do so, Rewards points cannot be applied retroactively.Approximately 40 - 60 days after shipment, your Rewards points will automatically convert to a promotional code that can be used on any item we sell. You must use the promotional code within six (6) months of the date it is issued.Your billing and shipping addresses must both be within the United States. If you return an item for any reason the Rewards points will be voided. We reserve the right to modify or cancel this program at any time without prior notice.
B&H Photo & Video Coupons

The Power of Communication: Skills to Build Trust, Inspire Loyalty, and Lead Effectively [Kindle Edition] - was $26.99Helio Fred Garcia (Author) http://www.amazon.com/dp/B007VONQYKPublication Date: April 23, 201245 Reviews ★★★★Communication is the absolutely indispensable leadership discipline. But, too often, leaders and professional communicators get mired in tactics, and fail to influence public attitudes in the ways that would help them the most. The Power of Communication builds on the U.S. Marine Corps' legendary publication Warfighting, showing how to apply the Corps' proven leadership and strategy doctrine to all forms of public communication and achieve truly extraordinary results. World-renowned leadership communications expert, consultant, and speaker Helio Fred Garcia reveals how to orient on audiences, recognizing their centers of gravity and most critical concerns. You'll learn how to integrate and succeed with all three levels of communication: strategic, operational, and tactical. Garcia shows how to take the initiative and control the agenda respond to events with speed and focus use the power of maneuver prepare and plan and put it all together, becoming a "habitually strategic" communicator.
Amazon Coupons

http://www.giveawayoftheday.com/munsoft-data-recovery-suite
MunSoft Data Recovery Suite is a comprehensive software package, developed to meet the needs of every person that has lost data. It restores all types of files, while offering an all-in-one solution, which saves both money and time. It consists of 6 data recovery programs: Easy Drive Data Recovery, Easy Digital Photo Recovery, Easy Office Recovery, Easy Access Recovery, Easy Word Recovery, Easy Archive Recovery but its installed as one, separated in 6 automatically.The reason for data loss doesnt matter, whether the files were accidentally deleted, damaged severely or corrupted by malware, located on a formatted disk or failed to survive reinstalling the OS, MunSoft Data Recovery Suite can recover them all. A special technology, Raw Search, allows scanning and recognizing nearly a 100 types of files and once found, a file can be previewed and, if visible, restored. Even if the information is no longer a part of a file system, MunSoft Data Recovery Suite recognizes it and puts back together. With a simple interface and thorough algorithms, its a perfect tool for dealing with nearly every case of data loss.

Lenovo Ideapad Multimedia Laptop
The stylish but affordable IdeaPad Z580 notebook with its 15.6 HD display, a smart AccuType keyboard and Intelligent Touchpad inside, delivers a wide range of multimedia capabilities. Enjoy rich audio with Dolby Home Theatre v4 audio enhancement and stereo speakers. Optimize your audio/video settings with OneKey Theater. Plus, the 3rd gen Intel Core processor ensures top performance. Everything you need for entertainment in an affordable laptop.
3rd generation Intel Core i5-3210M 2.5GHz 3MB L3 Cache Processor; Enjoy an automatic burst of speed when you need it with Intel Turbo Boost Technology 2.0
8GB DDR3 Memory
750GB 5400RPM Hard Drive
15.6 HD LED-backlit display (1366x768)
Windows 8The Lenovo Ideapad is an affordable laptop that packs a big punch, giving you the tools required to enjoy all of your multimedia files when you're out and about. The laptop has a third-generation i5 Intel Core processor, so it has enough power to play any type of complex media. The 750GB hard drive ensures you have more than enough space to store your files without having to carry around an external drive. Invest in a laptop stand for your Ideapad to protect your lap against the heat generated by the PC and to prop it up so you can watch movies hands-free.A Modern LookWith a premium, brushed-gray metal finish, the Lenovo Ideapad is both stylish and functional. Don't be surprised if the person sitting next to you strikes up a conversation about the modern design of this affordable laptop.Windows 8The Lenovo Ideapad comes loaded with Windows 8, the latest and most secure Windows operating system. You don't have to worry about upgrading your system right out of the box.Integrated WebcamAn integrated 720-pixel high-definition webcam keeps you in touch with friends and family and lets you communicate face-to-face in brilliant resolution.System Backup and RestorationThe Lenovo Ideapad uses OneKey Recovery software to help you backup your system and restore information if your hard drive fails. You don't have to worry about finding the right outside software when you buy this laptop, because everything you need to protect your files is included with your purchase.
View Full Details

http://www.staples.com/Lenovo-Ideapad-Z580-59345254-156-Laptop/p...live 3/17
Staples Coupons

Reburb Garmin Nuvi 2455LMT 4.3" Portable W/ Lifetime Maps + Traffic
GPS Link
Preloaded City Navigator NT North America (U.S., Canada, Mexico, Puerto Rico, U.S. Virgin Islands, Cayman Islands and Bahamas)Overview:Whether you're driving through an unfamiliar city or on your daily commute, nvi 2455LMT makes your trip easier than ever before. It includes FREE lifetime traffic and map updates, advanced lane guidance and more.Get Turn-by-turn DirectionsGarmin Guidance 2.0's intuitive interface greets you with 2 simple choices: "Where To?" and "View Map." Touch the screen to easily look up addresses and services and to be guided to your destination with voice-prompted, turn-by-turn directions that speak street names. It comes preloaded with maps for North America. It also includes more than 8 million points of interest (POIs) and offers the ability to add your own.Avoid Traffic Tie-upsWith FREE lifetime traffic updates from 3D Traffic, our most extensive traffic avoidance system, nvi 2455LMT can help you avoid delays. We check traffic conditions more than 2 billion times each month, so you can easily reroute around congestion and arrive on time.Enjoy FREE Lifetime Map UpdatesWith FREE lifetime map updates, you always have the most up-to-date maps, POIs and navigation information available at your fingertips. Map updates are available for download up to 4 times a year with no subscription or update fees and no expiration dates.Know the Lane Before It's Too LateNow there's no more guessing which lane you need to be in to make an upcoming turn. Available in select metropolitan areas, photoReal junction view makes unfamiliar intersections and exits easy to navigate. When you approach an exit or interchange, nvi 2455LMT will enter split screen mode and show you a realistic depiction of junctions on your route, complete with road signs and arrows that indicate the proper lane for navigation.Go Beyond NavigationPoint-to-point navigation is just the beginning. nvi 2455LMT features a microSD card slot so you can store and use detailed cityXplorer maps or download custom voices and vehicles for free from the Garmin Garage. Dual-orientation functionality lets you hold the nvi vertically or horizontally for added convenience driving or walking. The "Where Am I?" emergency locator provides your exact latitude and longitude coordinates, the nearest address and intersection, and the closest hospitals, police stations and more. And Enhanced Exit Services tells you what services you're approaching on the highway.Features:View routes on the 4.3" (10.92 cm) touchscreen.
Enjoy FREE lifetime map and traffic updates.
Avoid traffic tie-ups with 3D traffic, subscription-free live traffic updates from the our extensive traffic avoidance system.
Know which lane to be in thanks to advanced lane guidance with exclusive photoReal junction view.
Use in portrait or landscape mode.
See whats coming with Enhanced Exit Services.
Get fast route calculations and address look ups with Garmin Guidance 2.0.Additional
Featuring Garmin Guidance 2.0, an advanced navigation engine with a faster, more intuitive user interface to enhance the speed and accuracy of searches and routing for everyday driving.
This USB device is compatible with Windows XP or newer and Mac OS X 10.4 or later.
This item is refurbished or 'Newly Overhauled' direct from the Garmin factory. What does refurbished mean?This is the answer direct from Garmin: These are systems that have been returned to Garmin from either an end user or dealer that may or may not have been used. Many of the units Garmin gets back from their larger retailers are actually found to be working fine, but end users have returned them for any number of reasons. Whereas some units do come back with real failures. Garmin therefore takes all these units that come back, tests them out and, if necessary, does repairs to bring them back to "like new" status. Garmin also ensures they have the latest software update. These units are therefore as good as new, but since they have been in the field, cannot be sold as new. Garmin then offers them to their dealers at a discounted price and offers a full one year warranty, just as they do on new systems. These systems are not new, but are as good as new.What's In The Box:nvi 2455LMT
Preloaded City Navigator NT North America (U.S., Canada, Mexico, Puerto Rico, U.S. Virgin Islands, Cayman Islands and Bahamas)
Lifetime maps and traffic (indicated by "LMT" after model number on the box)
3D traffic receiver with vehicle power cable
Vehicle suction cup mount
USB cable
Quick start manual
1 Year Warranty (Contact Manufacturer for full warranty details)
eBay Coupons

My BF has been in the bowling industry his whole life, from his grandfather taking him weekly from the age of 3 to now as a manager of a center. He knows the industry inside and out. He can do everything from the back end to the front, including all the maintenance of the machines. His knowledge is extensive and completely comprehensive. He's been a PBA member for many years. He is no different than many people who would like to have their own business. Owning his own center is a dream. That might just happen for him.He's become good friends with a couple that own a center that had been closed for 3 years. They reopened it last fall. He and his wife are running the place themselves, basically rebuilding the business. They are both very overwhelmed. Over the weekend they proposed an offer to my BF to become a partner in the business. If the business was local to us, it would be a no-brainer, but it's several hours away. My BF's center is 95% shut down for the summer, so he is thinking of the following.He would work at their center several days/week over the summer (he has a place to stay while there). When the bowling season restarts in the fall, he would split time between their center and his. He doesn't want to give up his center at this point, in favor of going full time there due to the uncertainty factor. He wants to feel things out over the summer before any commitment. Their center has the potential to become a gold mine, but it's going to take time and a lot of work. A lot of things need to happen.There are also issues with the man's health. She wants to step out of the center and just work on promotion. I told her it's imperative that they incorporate or LLC, as all the paper is in her name. They want 10K for him to buy in. My biggest concerns are as follows. What happens if they split up? What happens if his health fails more and he dies? What will become of the center and his investment?My BF can realize a huge dream here, but I'm cautious to say the least. He will be working for peanuts for a long time. I don't want to see him throw himself into this and devote time, money and energy, just to see it all go to pot. I told him he needs a contract, but I really don't know what the contract should contain.We could use some suggestions here as to how to proceed.

I have three offspring
Offspring #1 is in mid twenties, employed 2+ years, salary in high 5 figures, secure job in tech field, 401k contributions above min for company match, buying company stock at discountOffspring #3 senior in high school, accepted so far at 5 of 6 top tier colleges (waiting on #6), pursuing engineering, potential for full ride academic scholarshipOffspring #2 (OS2) is the challenge. 4th year in college, early twenties, perhaps 2 1/2 years of credits, is now academically suspended. We moved OS2 belongings back from college yesterday. Was pursuing international relations degreeOS2 is probably the smartest of the 3. (OS1 had been on academic probation during college years, but turned it around)OS2 has started counseling (again) - and has previously had severe depression . We have told OS2 needs to get a job, and has two months to begin paying us rent.
OS2 says is looking, but hard for me to tell, and I know jobs are scare for low / no skillOS2 does not have own car. Have previously told OS2 that our financial commitment to help with college ends after 4 years, so there should be no expectation of coming back for money to try college againObviously I want OS2 to succeed, but don't believe I should be open checkbook. What am I looking for from FWF
1) Should I be separating, legally, in some fashion, a seperate financial entity for OS2. I will not cosign a loam, nor do I want to be considered on FAFSA if OS2 decides to go back to school one day. If so, how
2) What is a fair way to establish rent amount? Should I be putting it aside for OS2 to "return" to OS2 when OS2 is ready to move out? Should I tell OS2? Or leave that to move out time?
3) What else?PS
I have decided not to create an alt-ID, as I believe my previous post history establishes a context for who I am that may be relevant, but am seeking to maintain anonymity. Including not using gender specific pronouns like she and he. I have not used the word "child" or "adult child" to describe offspring - because in previous posts, the "younger set" somehow viewed that term as meaning that I did not see offspring as adults. In any case, please read OS2 as nothing more than a non-gender specific labelPPS. Beginning late Monday, I will be on an extended business trip, so there may be delayed responses. This is not lack of engagement on my part, but rather, other time zones and long flghts

EA admits SimCity launch blew and offers free game as apologyEA launched SimCity recently with a requirement that your computer be always on the Internet. Not only is this a ridiculous bit of faux-DRM, it also means that legitimate users cannot play when there is an interruption to internet (or on laptops when away from their connection).Cut to a few days later and the popularity of the game at launch caused widespread outages, interrupted games, and very, VERY frustrated game buyers.So, EA has not only (mostly) fixed the server capacity problems, they have offered a genuine (as in having fungible value) apology. So, anyone who 'activates' SimCity before March 18th will get to choose another game from the EA catalog. Since there's no way for them to check who has the game still in the box or who purchases it in the next few days, that leaves open the possibility of purchasing one game and getting a second one free.[A better reading of the announcement is that EA will offer some game or choice of a game from a list. My description was poorly worded to sound like the choice of game would be unrestricted.]

Office Depot FAR software for the week of 03/10/2013
One free after rebate title, two $4.99 after rebate titles and one $9.99 after rebate title.
QuickBooks Online Simple Start 2013 For PC/Mac [826-207]
FREE After $10 Instant & $90 Mfr. Mail-In Savings
In Store Price $89.99McAfee Total Protection For 3 Users [830-788]
$4.99 After $10 Instant & $65 Mfr. Mail-In Savings
In Store Price $69.99Business Card Factory Deluxe 4 [436-893]
$4.99 After $25 in (2) Mfr. Mail-In Savings
In Store Price $29.99Bookkeeper [865-150]
$9.99 After $30 in (2) Mfr. Mail-In Savings
In Store Price $39.99
====================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

I messed up some years ago by not reporting my basis correctly or failing to report Form 8606. Before I get into that I have a question.I made the following contributions to a Non-Deductible Trad IRA :2008 : $4500 contribution
2008 : $366 recharacterized from Roth
2011 : $5000 contribution
2012 : $5000 contribution Question : what is my total Ira Basis that I need to report in TT : $14500 or $14866?

The Curse of Europa (Europa Mission) Brian KayserPublication Date: 2/6/13You are invited to accompany a crew of eight astronauts on their mission to the Jupiter ice-moon named Europa. Their mission is relatively straight forward, look for evidence of life in a vast ocean, which is trapped beneath a thick blanket of ice. There is one problem though... "The Curse!"Over the past 36 years, man has been trying to explore Europa. Every mission to date has ended in failure. Now in 2056, with a faster space craft, the Global Space Organization is trying one more mission. This fully manned mission will attempt to put humans on the surface to search for liquid water, and possibly life. Will this mission finally be the one to succeed, or will it end in failure as well... or worse?Follow Lt. Commander Patrick Turkovitch, Dr. Juliana Evans, and six other astronauts as they try to make history by being the first humans to set foot on the Jovian moon. Will they find life deep in the oceans of Europa, will they find romance, or will the find that the curse is for real? What are they willing to do to ensure their mission is a success? Find out in "The Curse of Europa"thecurseofeuropa.comEssays for the 99% - The Auction - The Choice by John DavidPublished 1/26/12"A four-course meal for the mind, served through the drive-up window.""This writer is spot on . . . making him one of the biggest dreamers in America at the present time. His writing is eloquent and concise."". . . every American not currently in the 1% should read this book and think hard about the ideas."
The Essays for the 99% are the voice of the speechless, the dream of the hopeless, and the passion of the true Patriots who love this great nation enough to want to save it.This is The Auction, and The Choice. Our government is for sale to the highest bidder, and there will be no "winner" for the American people.There is a word for those who sell something that they do not "own," and that word is "criminal."Make Money With Ebay by Gerald Zimmerman Publication 2/21/13Everywhere you look these days, people are searching for a way to raise some money to live on, or to supplement what they have. Millions of Americans are out of work, and many have given up on getting a job.
Sadly, very few jobs are to be found. And the situation at home becomes a nightmare, something they never thought they would be involved in. People who are used to making good healthy incomes are finding that their unemployment checks are running out, and just keeping their head above the financial waters is going to be a real problem for them.They discover quickly that they can only ask friends and family for money just so many times, and then that source of cash dries up. But the grocer and the gas station still want their money when making a purchase from them, and the mortgage, and the car payment, and the kids clothing, and the food, and electricity for the house, and a few dollars to spend. Those things seem like an impossibility.All of this is causing a huge part of our population to become depressed and down.So begins the text in this book, Make Money With eBay by Gerald Zimmerman. In this day of difficult financial situations, and lost jobs, and failing economies, people everywhere are looking for just a little something to help with their personal finances.In this book, Zimmerman presents the idea of finding things around the house, and at thrift stores and yard sales and from friends that might be sold on eBay. Thousands upon thousands of people are doing just that, and many are making very handsome incomes online.This is a book that is a must for those who need a lift, a shot in the arm so to speak, and an idea of what to do to support their life and their families.Make Your Money Work for You: How to End Your Financial Depression and Secure Your Future by Justin SkibinskiPublication: 1/17/13 Have you ever wondered if there was another way to make money other than having a job? Have you ever wanted to make your money work for you, instead of you working for your money? Do you want to start acting like the wealthy 1% just by making a few changes in the way you utilize your own money?
So whats all this then? Is this another eBook on getting rich quick? Fortunately, no. Make Money Work For You was written to start my lifelong goal of financial security for all who want it. It scratches the surface of the social norms that govern how we ought to deal with our money, while showing you what you must do to defeat said norms.
The tricks and tips in this eBook are essentially frameworks and guidelines that you must follow to become part of the new rich that is burgeoning in our country. There is a new rich in this world and in America in particular. These men and women are not billionaires, but they do live the lifestyle. They have worked hard to setup ways of making a decent amount of money without having to do much of anything after the initial setup.
Finally, for how much this eBook is written about serious matters, I write in a somewhat humorous, nonchalant manner and I hope you take my jokes and humor lightly. I do like having fun - I had a lot of fun writing this eBook and I hope you can enjoy the short ride it has to offer.Best 100 Kindle Fire HD Apps: MKW lIDW way qirh Kinslw Diew HS: UpsRWS mexh 2013 by Michael K. EdwardsPublished 2/26/13
While Kindle Fire HD is designed for reading, you can now load your favorite gadget with a number of free and paid applications to enjoy. These apps will not only improve your reading experience, but will also give you better and increased chances to read and keep track of other sources of entertainment. This book unveils the top 100 apps available for Kindle Fire HD and reasons why they are the right choice for all Kindle Fire HD users.
At the end of this book, you will be able to count your favorite list of apps on your fingers after giving most of them an enthusiastic and fun-filled trial. Simply click on the name of the application or the picture to learn more about the Kindle Fire HD apps available on Amazon.com.

In the past I was able to remove verified bank accounts and add them back again at a late time. Today, I tried to add the same bank back (ETrade Securities). It asked the bank name and I added E-Trade Bank. It complained that it was not the right name. 2nd time I added correctly (ETrade Securities). But I received this message, and on all the following attempts. Basically, it failed repeatedly. Any forum members have a similar experience?:Sorry your last action could not be completedIf you were making a purchase or sending money, we recommend that you check both your PayPal
account and your email for a transaction confirmation after 30 minutes.If you came to this page from another website, please return to that site (don't use your browser's Back
button) and restart your activity.If you came from PayPal's website, click the PayPal logo in the upper-left corner to return to our home
page and restart your activity. You might have to log in again.

In the past I was able to remove verified bank accounts and add them back again at a late time. Today, I tried to add the same bank back (ETrade Securities). It asked the bank name and I added E-Trade Bank. It complained that it was not the right name. 2nd time I added correctly (ETrade Securities). But I received this message, and on all the following attempts. Basically, it failed repeatedly. Any forum members have a similar experience?:Sorry your last action could not be completedIf you were making a purchase or sending money, we recommend that you check both your PayPal
account and your email for a transaction confirmation after 30 minutes.If you came to this page from another website, please return to that site (don't use your browser's Back
button) and restart your activity.If you came from PayPal's website, click the PayPal logo in the upper-left corner to return to our home
page and restart your activity. You might have to log in again.

Iomega StorCenter ix2-dl 2 Bay Diskless Network Storage ArrayOffer ends FEB 28 '13
Reg. Price: $178.49
Instant Savings: -$100.00
You Pay: $78.49
Limited supply at this price
Free Shipping (USA)The StorCenter ix2-dl 2 Bay Diskless Network Storage Array from Iomega is a compact desktop network storage device, perfect for small businesses, home offices or advanced home networks. It offers content sharing, data protection and basic video surveillance capabilities. The Diskless Network Storage Array utilizes the acclaimed EMC LifeLine software, a fully-developed Linux operating environment that incorporates select EMC world class storage technologies typically available only for enterprise-level customers.
Gigabit Ethernet Connectivity
The StorCenter ix2-dl Network Storage Array features Gigabit Ethernet connectivity with Jumbo frame support and high performance embedded architecture.
iSCSI Target
iSCSI target provides block-level access for the most efficient storage utilization, especially for backup, database and email application performance. It can be used in parallel with file-level storage access via CIFS/NFS.
Ease of Use
The Network Storage Array features easy three step setup. Simply plug the Array into your router, power on and download the integrated Iomega Storage Manager and QuikProtect backup software. It has a user friendly web-based management interface that is accessible in 16 supported languages.
Simple Content Sharing
• The StorCenter ix2-dl Network Storage Array allows you to access files from any networked Windows, Apple or Linux computer for easy file sharing.
• You can easily share content with friends and family, when away from home, using the exclusive Iomega Personal Cloud technology. Your invited guests will have access to read and write files and folders on your network drive, eliminating the need to email file attachments.
• Iomega Link iOS Application: Iomega Link gives a direct link to your StorCenter device via iPhone, iPod Touch or iPad. It provides the ability to upload, download, browse and stream content on your Network Storage Array using Iomega Link mobile app.*
• Built-in Photo Slide Show Sharing Feature: This feature enables you to easily select and share your digital pictures on the web.
• Easy File Distribution: You can simply drop files into a designated distribution folder and all of those on the distribution list automatically get an email with either the files attached or a link to download the files. 1
Active Directory Support
Active Directory Support functions as a client member in an Active Directory domain allowing the StorCenter ix2 Array to utilize the domain users and groups.
Data Replication/Device to Device Data Copy Jobs
• You can easily copy files to and from attached USB drives or any network share, including Iomega Personal Cloud locations using the rsync or CIFS protocol.
• You can define your copy job to synchronize files to and from connected drives or any other shared storage on your network.
• It allows you to schedule jobs to run on a predetermined schedule.
Expandability
You can add storage capacity by connecting external USB hard disk drives to the Network Storage Array. It supports read/ write on Fat32, NTFS, ext2/ext3, or HFS+ formatted drives.
Application Manager
The StorCenter ix2-dl Network Storage Array allows third party applications to be installed using the embedded application manager.
Data Organization and Access
Windows DFS organizes files and folders on a network, such that they appear to be all in one directory tree on a single StorCenter system, even if the folders reside on many devices in different locations. Web-based Distributed Authoring and Versioning (WebDAV) enables viewing, adding or deleting files on a StorCenter from the web, via HTTP or HTTPS for added security.
Power Savings
The automatic hard drive spin-down feature assures the most efficient (minimal) power consumption.
Uninterruptible Power Supply (UPS) Support
UPS support enables unattended system shutdown via USB port without data loss in case of a power failure.
System Status
It is a consolidated resource on space utilization, device information and status. Additionally, you can manage controls such as device restart from here.
SMART Hard Drive Monitor
It continuously monitors and reports the status of all drives present in the Network Storage Array.
Reporting
Email alerts and event logging provide up-to-the minute updates on the status of your device even when you are away from your computer. SNMP agent monitoring helps administrators centrally manage the StorCenter ix2-dl Array.
Data Protection Software
You can download Iomega's QuikProtect backup software for your data protection.
Software Compatibility
The Network Storage Array is compatible with today's most common backup software, web browsers, media devices and computers.
Benefits
Video Surveillance Camera
• The StorCenter Network Storage Array features built-in support for up to 5 universal plug and play (UPnP) network cameras by Axis, Bosch and Panasonic to capture and store video without the need of a dedicated PC support for high-definition and configurable resolution and frame rate settings.
• Software Available for Download:
- Axis Video Hosting Solution (AVHS) software for local to hosted cloud video storage and management.
- MindTree SecureMind VSMS software*. 2
Multimedia
• The UPnP DLNA certified, built-in audio video media server, provides the ability to stream photos, audio content and videos to a variety of media devices, such as game consoles (Microsoft Xbox 360, Sony PlayStation 3), audio bridges, iTunes players, picture frames, Iomega ScreenPlay products and more.
• You can create shared iTunes libraries that can provide you a central location for your music.
• Easy Social Media Sharing: It provides convenient folders that automatically integrate with your social media accounts. Multiple accounts will not be a problem; you will just need to create a separate folder for each account.
- Facebook: Files dropped into your Facebook folder are automatically uploaded to your Facebook page.
- Flickr: Files dropped into your Flickr folder are automatically added to the designated Flickr photo album.
- YouTube: Videos dropped into your YouTube folder are automatically uploaded to your YouTube channel.
Torrent Download Manager
The StorCenter ix2-dl Network Storage Array manages peer-to-peer file transfers without the need of a dedicated PC.
Digital Photography Tools
• Picture Transfer Protocol (PTP): It automatically transfers photos from digital cameras via the USB port.
• Photo Resize: This tool resizes photos to a specified resolution automatically.
• Watermark: You can automatically add a watermark of your choice to photos as they are re-sized.
• Bluetooth Upload*: It allows you to upload contacts, photos and more from a cell phone, pocket PC or BlackBerry phone. 3
Powerful Backup Functionality
• The Network Storage Array features full system backup with Iomega QuikProtect for PC.
• Time Machine Support: It allows Apple users to easily backup any Mac computer running OS X (10.5 or later) using Time Machine.
• Iomega Personal Cloud Backup: You can synchronize data between personal cloud member systems and the ix2-dl Network Storage Array.
• Public Cloud Backup: You can use one of the integrated third party cloud-based storage services such as Amazon S3 or MozyConnect Beta to replicate data from your Network Storage Array to your public cloud account.
• Cloud Disaster Recovery: You can utilize two StorCenter ix2-dl devices in different locations and the Iomega Personal Cloud function to create your own disaster recovery scheme.
• EMC Atmos Cloud Connector: The Atmos Connector software allows you to backup and share data using Iomega devices as the source and Atmos cloud technology as the target. Enabled by Iomega's integrated copy job utility, you can set up cloud folders and configure jobs to automatically copy data to any Atmos cloud.
Total Data Protection
• Native Security Support: Native Security Support is provided with robust username and password authorized access. You can create additional users and secure their content with password protection.
• User Quotas: You can easily manage capacity by setting maximum limits per user.
• RSA BSAFE Technology: The RSA BSAFE Technology protects installs and upgrades.
Virtualization
The StorCenter ix2-dl Network Storage Array is certified for Citrix XenServer 5.6, Windows Server 2003, Windows Server 2008, Windows Server 2008 R2 and VMware vSphere 5.0 which makes it the most cost-effective solution for server virtualization.
Iomega Personal Cloud Features
Synchronization
Around the globe sync files directly between computers as though they were on a local network.
Collaboration
You can easily set up a shared workspace so that local and remote users can view and edit documents such as spreadsheets, presentations and word processing documents. This is especially useful for helping geographically dispersed workers to collaborate.
Sharing
Iomega's Personal Cloud offers functionality that makes it easy for you to securely copy and transfer large or confidential files.
Security
Allows you to choose who has access to what data by invitation only. You can choose from three levels of security when sending data over a public network. At many smaller companies, locally stored files are at risk from theft, fire, software problems and hardware failure. Cloud storage offers built-in redundancy at every level: hard drive, server and datacenter.
Low Maintenance
Once the system is set you need to manage only user accounts. The maintenance of array and monitoring the health of your data storage is not required.
Archiving
Archiving older files to a remote StorCenter frees up space on your primary StorCenter device for day-to-day business needs. This saves your money as the need for increasing the capacity of primary storage is not required.
Backup
It is always beneficial to keep a second copy of your data in an offsite location to ensure availability in the event of an unforeseen disaster. Remote backups can run in the background after business hours to eliminate network bottlenecks.
B&H Photo & Video Coupons

Office Depot FAR software for the week of 02/24/2013
One free after rebate title and three $9.99 after rebate titles. Details to follow.
====================
McAfee Internet Security For 3 PCs [830-698]
FREE After $10 Instant & $60 Mfr. Mail-In SavingsNorton Antivirus 2013/Norton Online Backup 5GB Bundle [873-394] $44.99
$9.99 After $5 Instant, $20 Mfr. Mail-In & $15 Mfr. Current User Upgrade Mail-In Savings Visa Prepaid CardsPhotoImpact Pro 13 [948-245] $79.99
$9.99 After $40 Mfr. Mail-In & $30 Mfr. Mail-In SavingsPhoto Explosion Deluxe 5.0 [891-709]
$9.99 After $40 in (2) Mfr. Mail-In Savings
====================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

Office Depot FAR software for the week of 02/23/2013
One free after rebate title and three $9.99 after rebate titles. Details to follow.
====================
McAfee Internet Security For 3 PCs [830-698]
FREE After $10 Instant & $60 Mfr. Mail-In SavingsNorton Antivirus 2013/Norton Online Backup 5GB Bundle [873-394] $44.99
$9.99 After $5 Instant, $20 Mfr. Mail-In & $15 Mfr. Current User Upgrade Mail-In Savings Visa Prepaid CardsPhotoImpact Pro 13 [948-245] $79.99
$9.99 After $40 Mfr. Mail-In & $30 Mfr. Mail-In SavingsPhoto Explosion Deluxe 5.0 [891-709]
$9.99 After $40 in (2) Mfr. Mail-In Savings
====================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

I saw the thread about individual stock discussion. But that thread is all over the place. It is difficult to follow discussions.
I'm hoping to focus on dividend paying stocks only. Yields of at least 2.5%, I prefer close to or more than 4%.
I want to keep it narrowed to those stocks which have earnings (or cash flow) greater than the dividend payout so that the dividends are reasonably secure. Preferably as close to twice the dividend payout as possible.
Also, we give priority to companies with a long record of paying dividends without fail... better yet, never decreasing their dividends and sometimes raising them!
We don't just find them to buy them... we wait for pullbacks in price so that the dividend yields are higher than usual... or we find some trend in the business such that we expect improved earnings or cash flow to allow further increases in dividends later... or we use Ex-dividend dates as a tendency of the stock price to stay up or rise as we approach that ex-div date and use that phenomenon to our advantage such as selling naked puts that expire before that ex-div date... or sell naked puts OTM and be glad if it ends up ITM with stock put to us at that lower strike price... etc.This thread will take a little more effort to find these gems instead of the "individual stock discussion" thread. But getting dividend stocks is a nice subset of stocks. Plus we can all learn a little bit more about investing...

I applied for a BAC card with 0% for 12 months on all BTs processed in the first 60 days.
After receiving the card, I requested a BT online.
When I received my first bill, I found they were charging interest on the BT. I sent them a secure message about it, and their reply was that the BT was processed at the regular interest rate because I failed to request it on the phone. I can't find anything in my agreement which states that 0% is only for telephone BT requests, and in the past I've gotten 0% on BTs requested online on other BAC accounts. What to do next?

Office Depot FAR software for the week of 02/17/2013 (one each $10 and $15 AR)
No FAR titles again this week. I hope this is just an aberration. The titles below reflect those titles that are 80% back or better after rebate. If you have an opinion on the standard feel free to let me know. ====================
McAfee Total Protection For 3 Users [830-788]
$9.99 After $10 Instant & $60 Mfr. Mail-In Savings
Trend Micro Titanium Maximum Security For 3 PCs [220-795] $89.99
$14.99 After $45 Mfr. Mail-In & $30 Mfr. Current User Upgrade Mail-In Savings
====================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". Please see the thread: "Symantec Rebates - "Your rebate request did not pass our audit process" http://slickdeals.net/f/5817376====================****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

The free Microsoft Xbox promotion applies only to newly funded OptionsHouse customers who initially fund their account within 60 days of completing the application. To be eligible for the free Microsoft Xbox (promotion referred to as a promotional item), you must satisfy both of the following requirements: (1) Fund a new OptionsHouse account with a minimum of $10,000 for a cash or margin account using promo code XBOX; (2) Make 15 commissionable trades within 90 days after funding your new OptionsHouse account. Note: Commission-free trades do not qualify toward the 15 trades. Fulfillment of the Microsoft Xbox will occur within 30 days once both requirements are fully satisfied. Limit one promotional item per household please. This promotion may not be combined with other offers and additional restrictions may apply. Only individual or joint OptionsHouse accounts, personal trust accounts, and business accounts are eligible. The promotion is not available for retirement accounts including, among others, IRA, Roth IRA, SEP, and SIMPLE accounts; 401(k) and 403(b) workplace retirement plans; UTMAs and UGMAs; fiduciary accounts (including custodial accounts, estate accounts); college investment trust accounts; and 529 college savings plan accounts. OptionsHouse will provide customer shipping and contact information to a third party fulfillment vendor, Links Unlimited. Promotional item will ship directly to customer from the vendor. Links Unlimited will only ship products to addresses within the 50 states, Washington D.C. and APO/FPO military addresses. OptionsHouse reserves the right to restrict or revoke this offer at any time. This is not an offer or solicitation in any jurisdiction where we are not authorized to do business. Taxes related to OptionsHouse offers are your responsibility. Retail values totaling $600 or more during the calendar year will be included in your consolidated Form 1099. Microsoft Xbox images are the property of Microsoft Inc. and used with permission. 2012 Microsoft. All rights reserved. Void where prohibited. OptionsHouse reserves the right to debit any account that has received a promotional item and has either closed their account or withdrawn assets below the minimum qualifying funding level within 180 days of original funding date. Accounts receiving a Microsoft Xbox and failing to meet the 180-day funding requirement may be debited $300.00. This promotion expires December 31, 2013.

Found this article interesting and a bit disturbing that someone could fail to notice their pay not coming for so long.http://www.businessinsider.com/silly-banking-error-costs-woman-3...

http://www.woodburyoutfitters.com/product_p/100502.htm
C Products Defense .223/5.56 30RD Tactical Magazine, 6061
3-Pack Deal & $8 Flat shipping rate in the U.S.
All CPD magazines feature the new snap on anti-tilt follower. The use of the .020 gauge material in stainless steel combined with increased interior dimensional room enhances proper stacking of the rounds and dramatically reduces failure due to jams. Functionally, this magazine is far superior to any in todays market. Made in the U.S.A.

Office Depot FAR software for the week of 02/10/2013 (only a Norton title for $10 AR)
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".====================
Norton Antivirus [873394] $44.99
$9.99 After $5 Instant, $20 Mail-In Savings & $15 Mfr. Current User Upgrade Mail-In Savings Visa Prepaid Cards
====================****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

There are many existing threads about life insurance that show up on search, but they seem to be mostly questions about situations specific to the poster. I have some general questions for FWF insurance experts.

How important are the financial strength and rating of the insurance company in practical terms? There has been no documented case in the history of the United States of a life insurance policy failing to pay benefits in full. Every case study I have seen shows that a failed insurer goes into receivership by a state guaranty association, and the policy remains in force or is transferred to another insurer. It seems one could even buy a policy from an E/F rated insurer without any real change in outcome.
Do life insurance contract terms (clauses) vary much between insurers? If so, what are the clauses that one should look for? Sites like term4sale.com return quotes from dozens of reputable companies. Are there some companies whose policies are generally bad enough to avoid altogether?
Should life insurance "shopping" be done with multiple insurers at the same time or one after the other? When one goes through underwriting and the actual premium is determined by an insurer, how long does one typically have to buy that policy at that premium?
What should you ask an independent broker to gauge his or her "quality"? And what should you look for in the interactions with that broker to assure that "quality?" Basically, how do you know that you aren't settling for an expensive policy because the broker is pushing his/her preferred insurer?
For how many insurers do independent brokers typically broker? It seems that most tend to work with a dozen or less at most, half a dozen or less typically, often with just 2-3 preferred insurers.
How accurate are online quotes from sites like term4sale.com? The premiums are seldom identical to what you get directly from the insurers' own web sites. Assuming that one accurately self-rates one's class (preferred, regular, etc), are those numbers what one would actually get if underwritten into that class?
Which major insurers are not brokered by independent brokers? Amica Life is one.
Amica has an unusual level term policy where the term, say 30 years, has a only a 10 year premium guarantee where the rate cannot change. For the remainder of the term, the premium can go up or down for the entire class if the population of insured for that class exhibits elevated risk. The premium has presumably never been increased in such a manner in the history of Amica. The premium discount seems to be about 10% over a real 30 year term life policy from Amica. Are there any compelling reasons in favor of this policy?

The most repeated advice on FWF about buying life insurance seems to be: find a good independent broker who can guide the client and underwrite with one or more insurers to get the best policy that meets the client's needs. But the reality is that such a policy is likely to come at a higher cost to the client because no broker can always find the lease expensive policy that meets those needs. There has to be a better way to improve the chances of minimizing that cost. Suggestions are welcome.

http://aeroprecisionusa.com/shop/ar15-stripped-lower-receiverOur stripped lower receiver allows you to build a custom AR15 from the ground up. Mil-spec dimensions and coating ensure the highest quality and correct component interface.

Features:
Semi-auto AR15 lower receiver
Machined from 7075-T6 forged aluminum
Matte black hard-coat anodized Mil 8625 Type 3 Class 2
Marked Cal Multi
Works with standard AR15 components and magazinesAll Lower Receivers will only be shipped to approved FFL holders. Please enter the name and phone number of your local dealer so that we can obtain their FFL.� Please do not enter your FFL's shipping address when checking out.� We will obtain that information from the FFL.
To expedite your order, please have your dealer fax or email their FFL to us at: 253-272-1168 or sales@aeroprecisionusa.com

There will be a 30% restocking fee on all lower receivers returned because of failed background checks.
Federal law requires that you be 21 years or age or older to purchase a stripped receiver or frame. If a frame or receiver can only be made into a long gun (rifle or shotgun), it is still a frame or receiver not a handgun or long gun. However, they still are "firearms" by definition, and subject to the same GCA limitations as any other firearms. See Section 921(a)(3)(b). 18 U.S.C. Section 922(b)(1) makes it unlawful for a licensee to sell any firearm other than a shotgun or rifle to any person under the age of 21.Thanks charliexray & midgasales

My fathers uncle never married, has no children, and all of his siblings are deceased. Im not certain, but knowing him, I doubt that he has a will. I dont know if there is any way to verify that my father is the next of kin. Neither he nor my father were born in the US and there is little documentation from their home country. What happens in cases like this? I dont care if he leaves the money to my father, me, or to charity, but Im fairly certain that he does not want his money going to the government.

Hes like an uncle to me and a brother to my father because they are fairly close in age. He has always been generous with me and I have done everything I can to help him when he needs it. Im the closest person he confides in. I am the one who took him to the hospital when he needed surgery and kept it confidential because he wanted it that way. He has confided that he is in failing health but I am to keep this confidential as well. The reason I dont think he has a will is because when I asked him to fill out an advance directive when we were at the hospital, he dismissed it and said that he doesn't want to think about these things. He feels that if he writes a will, he will dies soon after. Has anyone been in a similar situation? Any recommendations?

Currently the CIO COO for a small 20 person business. So everyone in the business either directly or indirectly reports to me. A few months back we hired my wife to do some inside sales. We were seriously failing in the sales department and since she was looking it seemed like an ok fit. She hired on with a base salary plus commision on sales she created and in the second week my boss (ceo) added commission to aged support (30 days out or greater). So fast forward 4 months and my wife has been 200-300 % of plan each month while other sales reps are less than 100%. Needless to say my wife has made signifigant commission in those months. My boss yesterday cut her commision in half on the support side. Most of the time employees would come to me if they were having issues and I would speak with my boss. Issue is the employee is my wife and while I can appreciate his decision I find it hard to swallow we are punishing our most productive employee. Could fw provide any insight into this?

http://www.giveawayoftheday.com/aomei-pa-ddm/The program is available for $36.00, but it will be free for our visitors as a time-limited offer. AOMEI Partition Assistant Professional Edition (PA) is an award-winning and competitive disk partition manager.

In addition, AOMEI Dynamic Disk Manager Pro Edition (DDM) was bundled with PA, which means managing dynamic volume is available.

New features of Partition Assistant 5.1:
Migrate OS to SSD/HDD: For many SSD users, this simple wizard could help them migrate OS to SSD and keep the original OS.
Partition Recovery: Recover lost or deleted partitions with several simple steps.
Partition Alignment: Improve the speed of disk on reading and writing data, especially for SSD.
Make Bootable CD: Performs safer disk partition management under WinPE mode and boot from CD/DVD, USB flash drive.
Rebuild MBR: Rewrite the correct Master Boot Record to the MBR corrupted hard disk to fix the boot failure.
Conversions between GPT and MBR: convert GPT disk to MBR disk without data losing and vice versa.
Linux partition management: Create, delete, format, wipe, copy, recover Ext2/Ext3 partition.
Change partition type ID and change serial number.

Features of Dynamic Disk Manager:
Create dynamic volumes: set up mirrored volume in Windows 7 for fault-tolerance.
Delete volume to destroy data and Format volume with FAT or NTFS file system.
Resize dynamic disk to adjust volume size or location without losing data.
Shrink dynamic volume to maximize disk space usage.
Extend dynamic system/boot volume for optimal computer performance.
More

I am not sure where this really belongs but I think that this may an economic impact on people so I thought I would put it under finance. If you feel so inclined please go sign this petition http://wh.gov/yA9nHere is the text of the petition:The Librarian of Congress decided in October 2012 that unlocking of cell phones would be removed from the exceptions to the DMCA.As of January 26, consumers will no longer be able unlock their phones for use on a different network without carrier permission, even after their contract has expired.Consumers will be forced to pay exorbitant roaming fees to make calls while traveling abroad. It reduces consumer choice, and decreases the resale value of devices that consumers have paid for in full.The Librarian noted that carriers are offering more unlocked phones at present, but the great majority of phones sold are still locked.We ask that the White House ask the Librarian of Congress to rescind this decision, and failing that, champion a bill that makes unlocking permanently legal.

This was previously FREE - so many may have this alreadyFive Minutes on Mondays: Finding Unexpected Purpose, Peace, and Fulfillment at Work [Kindle Edition]
Alan Lurie (Author) Publication Date: March 6, 200928 Reviews - and ★★★★.5
35 Likes Imagine the leaders of one of New York Citys top real-estate firms coming together every Monday morning to hearthe moral and spiritual thoughts of a Rabbi. Wouldnt you like to be a fly on the wall? To hear the paths Alan Lurie traced for his listeners, how he helped them bring together their spiritual and business lives, the sacred and the profane? Five Minutes on Mondays compiles these talks for the first time, sharing Luries deep and profound inspiration on the challenges we all faceat work, and in life.Lurie draws on millennia of philosophy, theology, and science to help us answer our deepest questions, comfort our deepest yearnings, and become better peoplemore connected to each other, and to the Greater Purpose. Prosper while keeping your integrity Balance faith, honor, and ambition Use your workplace as your moral and spiritual "gymnasium" Find deeper meaning and purpose in your work Face your fears and failures, and keep going Gain real respectand give it Live one authentic lifeat work, and everywhere else
Posted under Hot Deals due to the normal price
Amazon Coupons

I noticed that you can load funds to a netbank checking account. Its been recently reaquired after being a failed bank and they offer a "Real Checking account" with the ability to deposit money with a greendot moneypak... anyone have any experience, with the current netbank?

Office Depot FAR software for the week of 01/27/2013 (only a McAfee title for $5 AR)
McAfee Total Protection 2013 - 1 User #830-743
$4.99 After $8 Instant & $47 Mfr. Mail-In Savings
In Store Price $51.99
====================****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

Unforgettable Fall Recipes with Coffee - A Seasonal Collection of Gourmet Recipes for Coffee Cakes, Sweets, Warming Coffee Drinks and Coffee-Based Cocktails.Billy Taylor (Author)
29 reviews and Rated ★★★★.5
71 LikesPublication Date: September 24, 2012
Unforgettable Fall Recipes with Coffee - A seasonal collection of gourmet recipes for coffee cakes, sweets, warming coffee drinks and coffee-based cocktails. Over 20,000 Copies Downloaded - That's a lot of fans!
Book #1 in the 'Seasonal Collection of Recipes with Coffee.'
If you love cooking and you love coffee this is your book."I LOVE coffee and I love this book! Have already tried a couple of the cocktails and last night I made my first ever coffee cake. Get it!" - Jayne (Amazon Reviewer)"I didn't know what to expect from a book that uses coffee as the main ingredient If you love coffee -- or even just like it -- you'll find these recipes mouth-watering. One thing I particularly enjoyed about this book is that the author's charm and humor comes through in the recipes, something I look for in a good cookbook." - Book_Fiend (Amazon Reviewer)"If you're looking for some great fall sweets that won't fail to impress, you definitely want this book!!" - Lori (Amazon Reviewer)
Fall Cool morning air, leaves change color in to beautiful golden hues... the beautiful season of fall is on the way, and with it, kitchens fill with warming foods and drinks to keep the cold guests happy.In this unique recipe book, Billy Taylor shares a selection of hand-chosen recipes with coffee that really show the true essence of fall. Using pumpkin, spices and nuts, plus amazing fall fruits like pomegranates and persimmons these recipes will fill your kitchen with sensational aromas; and probably a guest or two!Having worked with coffee for decades, Billy is not only author of this collection of recipe books, but also the lead editor of CoffeeMakers411.com - a website dedicated to reviewing coffee makers. So he knows a thing or two about coffee, that's for sure!As part of the 'Seasonal Collection of Recipes with Coffee' you can learn how to make some classic fall recipes like: Spiced Pumpkin Cake with Walnuts and Coffee Cream'
The Humble Apple Pie with a Caffeine Kicker'
Hazelnut & Cranberry Espresso Swirl Cake'
Pumpkin Spiced Latte'.Plus enjoy a few more exciting seasonal recipes, such as: Cold-Pressed Coffee Gele with Cayenne Cream'
Nude Sumatran Coffee Brownies'
Coffee Cake of the Gods'
Drunken Espresso Cheesecake'
Coffee, Almond & Orange Liqueur Truffles'
Tipsy Monk's Coffee'
Orange Coffee Bourbon Liqueur'
Pomegranate and Espresso Infused Vodka Martini'
and many more.

Hi all, I'm new to this forum and I arrived here looking for, well.. a forum to discuss the following:I'm trying to figure out if it is worth creating an 80%-90% bond and equity ETF portfolio, and leave only say a 10% for Stock Picking.My thinking goes as follows:PROS:
Actively managed portfolios (either by my self or a professional), usually fail to beat their benchmarks, so why not buy the benchmark..
Regional and Sector diversification can be easily achieved using ETFs.
There will probably be less fees involved, especially when it comes to rebalancing the portfolio.
ETFs are less volatile.CONS:
Picking certain stocks from within an index can yield better results from buying the whole index.I was hoping you could add/modify the list and/or post your own comments.Many Thanks!

Note about this Free Stuff thread:
I posted this deal in Hot Deals and I asked the moderators if they would cross-post it in Free Stuff, since this deal has a free option.
They said I could post a new thread in Free Stuff about it.
So that's why there are two threads on FW about the same topic!
I have bolded the free option.
===============================================================================================================================================
I have no personal experience with this company, but I noticed the following article in Consumer Reports magazine, February 2013 issue, page 12, and I thought this offer might be interesting to some FW members.=========================================
Article title:When it pays, literally, to lose weight
Selected excerpts from the article:...[W]hat if you could make money by losing weight?That's the idea behind HealthyWage, a company that runs "health incentive programs" in which participants get cash rewards for meeting weight-loss goals.There's the "10% Challenge" in which you put up $100 and get $200 if you lose 10 percent of your starting weight in six months.And there's the "BMI Challenge" which is free to enter and pays $100 if you get your body mass down from obese to healthy in 12 months. If you put up $300, you can win up to $1000 for meeting that goal....(And if you fail, of course, the company pockets your money, too.)It's funded by advertising dollars from insurance companies, health-care systems, and food companies, plus it gets some goverment money.
The company's website:http://www.healthywage.com/
A box on the main page of their website says:"Total money won: $430,000. Total weight lost: 866,500 pounds""As featured in Time, Washington Post, ABC News, Huffington Post, Fox News"

I have no personal experience with this company, but I noticed the following article in Consumer Reports magazine, February 2013 issue, page 12, and I thought this offer might be interesting to some FW members.===============================================================================
Article title: When it pays, literally, to lose weight
Selected excerpts from the article:...[W]hat if you could make money by losing weight?That's the idea behind HealthyWage, a company that runs "health incentive programs" in which participants get cash rewards for meeting weight-loss goals. There's the "10% Challenge" in which you put up $100 and get $200 if you lose 10 percent of your starting weight in six months. And there's the "BMI Challenge" which is free to enter and pays $100 if you get your body mass down from obese to healthy in 12 months. If you put up $300, you can win up to $1000 for meeting that goal. ...(And if you fail, of course, the company pockets your money, too.)It's funded by advertising dollars from insurance companies, health-care systems, and food companies, plus it gets some goverment money.
The company's website:http://www.healthywage.com/
A box on the main page of their website says: "Total money won: $430,000. Total weight lost: 866,500 pounds""As featured in Time, Washington Post, ABC News, Huffington Post, Fox News"

I personally think this is a Hot Deal because it's great for the frequent traveler who wants to more quickly earn free nights but we'll see if it gets moved there. At this quality level, there are not many promos offering better than triple points at this time, especially as Hilton Honors (not as strong as 2012 q4 with quite a list of non-participating hotels) and IHG promotions have softened up a bit, although they still allow stacking (which takes some work) and their Pointbreak hotels now allows redeeming stays for less points. LinkyClipped from the page:
Our Triple Points promotion is back, and it's as easy as ever to earn triple points on hotel stays and food and beverages charged to your room. Simply fill out the registration form on this page and complete an eligible stay between January 8 and March 15, 2013 at any of our more than 1,000 Carlson Rezidor hotels worldwide. Youll be on your way to a free night stay three times faster.Register today to take advantage of this rich offer exclusive to Club Carlson members.Not a Club Carlson member? Join today for a faster way to a free night stay.  Terms and ConditionsYou must be a Club CarlsonSM member to participate in the Triple Points promotion (Promotion). To be eligible to earn 40 Gold Points per U.S. Dollar spent (Bonus Points) in addition to the standard 20 Gold Points per U.S. Dollar spent, members must register online for the Promotion, provide their Club Carlson number at the time of reservation or at check-in, and pay for a stay on a Gold Point eligible rate at participating Radisson Blu, Radisson, Country Inns & Suites By CarlsonSM, Park Inn by Radisson and Park Plaza hotels worldwide beginning on or after January 8, 2013, and completed by March 15, 2013 (Eligible Stays). Bonus and standard Points are awarded based on the amount spent during an Eligible Stay on the room rate(s) and eligible food and beverage charged to your room, exclusives of any taxes, levies, charges and fees. Members only need to register once before March 15, 2013, but registration must be received in advance of the Eligible Stay or before checkout to qualify. Only one Club Carlson member account will be credited for each Eligible Stay.The Promotion is subject to all Club Carlson terms and conditions. Club Carlson reserves the right to add, modify, or discontinue Promotion without notice. Club Carlson is not responsible for any technical failures/interruptions, internet accessibility problems, incomplete or inaccurate registration information, or other errors of any kind that may affect your registration for this Promotion. Void where prohibited by law. By participating in this Promotion, you agree and consent to these terms and conditions.

DetailsDesigned and manufactured as if your life depends on itbecause it might. PMCs exacting adherence to the precise specifications of military and law-enforcement organizations assures that X-TAC ammunition will perform perfectly in that fraction of a second when a serious threat arises and your life is on the line. Self defense begins and ends with reliable, consistent ammunition. Nothing is more important than life. Protect yours, confidently, with X-TAC from PMC.PMC X-TAC Line Manufactured to the highest industry and military specifications to ensure its performance, without fail, when your life is on the line. PMCs X-TAC ammunition is powerful, accurate and dependable, because in a life-threatening situation, no other standard is acceptable.
PMC 5.56Not the best price but it's in stock at time of posting

http://www.amazon.com/dp/B00AWLNHZW/Hugh Culver (Author)The always-on, striving for more, multitasking, 24/7 world we live in is having its toll. We are getting busier, but not happier.
While the "time management" movement created more list-makers, it failed to address the heart of why "To-Do's" tended to trump time for family, and time to think, reflect, and plan was replaced by a bulging email Inbox.
In Give Me a Break, Hugh Culver presents a model for getting to the heart of why we never seem to have enough time and how to create the time we actually need. A past workaholic, successful business owner, and consultant to large corporations, Culver knows a lot about being busy and what defines success. His solution is to first redefine the beliefs that drive the behavior and from there reset priorities, create better systems, practice better habits, and finally, invest in reflection, review, and renewal.
The five systems in Give Me a Break are based on observations with thousands of employees in over a dozen industries. For each system, Culver presents persuasive arguments for investing in a redesign of your approach to work. For example, reducing unwanted interruptions by just twenty minutes a day is the equivalent of finding two weeks of new time a year. Like committing to making deposits in a bank account, Culver explains, the benefits of creating the time you want can be exponential. Rather than the usual list of productivity habits, Culver suggests eight original approaches he has tested with participants in his live training seminars over the past twelve years. For example, Honor the Mundane is the perfect active meditation for the always-on mind while Go with the Flow matches work difficulty to the natural rhythms of our energy in the day. A favorite habit of his clients is Start a Stop-Doing List where you stop doing low-value, unwanted, or simply out-dated tasks in favor of Me-Time (Culver is big on recharging the mind and spirit with regular exercise, and down-time). If you have tried the usual litany of time management books and still find you procrastinate and never seem to have time for yourself, this could be the solution for you.Posted under hot deals since these are not always free.
Amazon Coupons

SEE POST 64 for 1st List of Some of Likely Sale items and pricesFor those have participated before the expected Upgrade and Save will be starting in 2 weeks. For those who have not, this can be a pretty good program to trade some old DVDs for $5 coupons to
buy Blurays pretty cheaply It looks like a full 3 weeks this time. This is the 5th or 6th time for this version of the program, but each time it works just a little differently and if you go the first couple
days of the program you may get some questionable looks. The program seems to have settled into a quarterly deal averaging 3 weeks -- 4 wks last summer, 2 wks in October. Assuming all past rules apply this is the program FAQ. Even more than usual YMMV applies -- there are lot of different scenarios for this program and it seems each store and each manager seems to have a different playbook.
This program gets a lot of different responses. BEST BUY UPGRADE AND SAVE PROGRAM -- Begins January 13 2013 through the end of business February 2, 2013 1) Trade in ANY DVD for a $5 credit toward purchase of ANY $9.99+ Bluray in stock at Best Buy B&M. This is basically an instore only deal.-- Limit 5 per visit. Per visit is most often interpreted as 5 per day per customer, but many people have just walked out and come back in immediately or later the same day with 5 more discs. Plenty of people have done far
more than 5 at a single visit as long as the store allows the exception.-- No stacking of U&S coupons. One U&S Coupon, One Bluray . A Single $5 U&S coupon is allowed per Bluray or Bluray boxset (it may be the only rule I've never seen stretched). A boxset of 3 movies will not allow 3 coupons
and you can't use 2 or 3 coupons on a single Bluray under any circumstance.-- Most of the time the coupons have an expiration date co-coinciding with the last day of the program so you can't save them and use them next month. 2) Trade in DVDs do not have to be same title as Bluray. Boxsets are most often counted as 1 DVD so if you bring is a set with 4 movies in one case then you will likely be given 1 coupon and not a coupon for each disc.
If your set has for cases in a boxset, just toss the box. If you have a TV series with 5 cases, bring them in as individual pack and not as a set. This works best if each case has a UPC code (S1, Disc 1). I've also found
that if you bring in a bunch of discs of the same season, same show then some clerks will balk so best idea is to bring 1 (slim)case from each set and make another trip later or be prepared to discuss the details.-- If somebody pulls up a list off Google of 100 or 150 Old Blurays that are "Only Movies Allowed" then they are likely showing you the lists for May or October 2011 which were restricted to certain titles. The Google lists
get pulled up everytime this program is live either online or even instore -- check the dates on the list. If someone tries to tell you only same titles can be exchanged then they are incorrect. This is not the same of Selling/Trade-In
for Used Video Games and every time there are lots of people who get sent to the Video Games Department by employees thinking you are selling items. The Upgrade and Save program is separate and almost
always handled at the Customer Service Counter. 3) DVD must be a commercially produced discs (no burned copies) 4) No adult DVD that are specifically XXX content whether they are rated XXX or not.5) Discs are supposed to have the original case and artwork and the discs are meant to be at least presentable -- the disc at least should look like it can be played. Many stores require the UPC to be intact. Some stores
check things pretty closely (right disc, right case, right UPC, disc condition) and others just toss the case into the recycle bin without any screening. In reality discs in anything that look like regular case are often accepted
by some stores including those is Blockbuster/3rd party cases with rental stickers and and nowhere near original artwork and UPC. ** Are HDDVD or HD-DVD combo packs eligible. This has been a YMMV issue and some places people have been given credit for both type discs, others only if it was a combo, and some stores refused to consider it
at all for the trade-in. If you run into this issue either try a different store or call 1-800 BESTBUY and see if they can clarify the issue for you or your Store Manager.6) Bluray -- all current and new release Bluray priced $9.99 or above should be included. Music Blurays have been included since the April 2012 program which is different than previous sales. Preorders are not included.
Discs not in store can sometimes be ordered from BBY.com and some managers will apply a coupon to that item, but ....
7) Each store in the past had there own logistics of how to work the program. Most stores would make you stop at the entry and have your used discs stamped/marked/taped.-- Many stores had you bring the used DVD to the Service desk, check them out to make sure they met criteria and gave the customer a preprinted coupon(s) with a receipt attached to the coupon/barcode. Some stores
gave the customer a Copied sheet of paper with the UPC bar code and attached receipt to 'activate' the sheet of paper. The coupon could them be exchanged at the regular register for the Bluray you were purchasing and
the barcode automatically deducted the $5 at sale. This allowed you to take your coupons out of the store and purchase later. The expiration date on the official coupon is usually the last day of the sale. . If you are given
a coupon with a receipt attached do not detach them or your coupon may well be disallowed.-- Some stores required you to bring/leave your DVD at the Customer Service desk, then bring your Blurays to the Service desk to complete the purchase. No coupons were given out so you had to exchange and purchase
the discs the same day.-- Some stores would allow you to trade your DVD for a coupon at the Service Desk, but each coupon was marked/Dated and you were told it was only valid for the date on the coupon and in that specific store. [Only had
this happen once and I have no idea what would have happened if I took the coupon to a different store or brought it back to the same store later.]8) Discounts should be taken from the actual Selling Price of the Bluray on the day of purchase despite the fine print on the coupon saying "Discount taken from Regular Price." This has and will likely continue to be a
contentious point until corporate absolutely clarifies the issue or changes the language. BBY ads often show discs with Sale Prices and then subtract the $5 U&S coupon so logically that should apply to all other discs.
9) Price matching and also using $5 coupon is a big YMMV since this can be most certainly considered combining offers or double dipping much in the same way that PM and getting a gift card for purchase is often considered
doubling up. Since the U&S is considered a Store coupon it should be applied to the price before trying to PM unlike a Manufacturers coupon (this difference is spelled out very specifically in Target and other stores coupon
use policy, but not specifically in BBY policy).10) There should be absolutely no arguments about using Reward Zone certificates during purchase.11) Additional Manufacturers Coupons SHOULD BE allowed and should be considered the same as cash or a gift card on top of the $5 Promo. This doesn't mean it won't be argued and it certainly doesn't mean it will
be accepted, but according the Best Buy's own Corporate Reps, the use of MQ should never be questioned whether it's a sales price or pricematch or promo.Multiple times the Best Buy Corporate Employees have had to repeat the phrase "The store should honor the coupon, even with the price match. Any valid manufacturers coupon displaying the manufacturers address,
a barcode, and labeled as a Manufacturers coupon at the top should be accepted on the product listed, regardless of the price." If there are any issues call the 1-800 number in store and ask for a ruling (unfortunately
this often ends up being decided "Manager runs his own store in his own way" unless it just flat out violates some policy. BBY.com community forums are the best place to take issues and often will be decided in
the customers favor with credits and RZ given to cover the missed discounts. Yelling and screaming in the store is not going to win you any arguments in store even if you are correct and will likely get security involved
and irritate everybody else in the store.12) Buying a disc this week in hopes of applying the coupon next week will work, but it should work as a return/Rebuy so if the price is higher next week it may not always save you money. As usual there is some YMMV
whether some stores will allow you to repurchase the same disc unless the store has current stock. The same can be said of ordering discs online for pick up at the store -- some stores have allowed a return/rebuy to
add the coupon and some stores have refused to do this.13) Only USED DVD or HDDVD movies are normally allowed as trade in. . Best Buy is only supposed to accept used DVDs, so make sure the DVD(s) you're bringing in to trade are unwrapped. They will sometimes
refuse to accept them if they're sealed. If you find some sealed DVD cheap and bring them to the store sealed, there have been issues. The easiest thing to do is just open them14) Where to find cheap DVDs: If you don't have any spare DVDs laying around that you wish to part with, there are a variety of places to find cheap DVDs for less than $1-$2 each. Pawn shops, thrift stores, garage sales,
flea markets, dollar stores, and eBay Several people have had success at Dollar Tree, where select DVDs can be found for 25 cents, and some titles even for 1 cent. *Disclaimer* Finding these 25/1 cent DVDs
is a YMMV situation. Some stores have them, some don't. Some BBY stores have balked at accepting these essentially throwaways in slim cases or cardboard sleeves though technically they are commercially
manufactured and in their original cases so you should prevail.. Bringing 5 of the exact same item in for trade in -- often these cheapo discs can raise some eyebrows so if you can divide them up and bring in 5 different items it will go smoother though not to say it won't work15) Most people have failed at trading in Blurays for coupons even if there is a DVD in the case.16) If you have a multidisc DVD with those removable trays for extra disc, it is best if you just bring in the case with the tray out and you can keep the extra disc (cool for bonus material). Empty disc trays do raise suspicion
at the service desk.17) Nobody knows exactly what happens to the old discs and cases. The official word is they are recycled at some national recycling center -- whether this means they are donated to charities for a tax deduction,
sold to 3rd party resellers, or just destroyed is murky.

Office Depot FAR software for the week of 01/13/2013 Trend Micro Titanium Antivirus+ Security For 1 User Item #220-885
FREE After $20 Mfr. Mail-In & $20 Mfr. Current User Upgrade Mail-In SavingsMcAfee Total Protection 2013 For 3 Users Item #830-788
$4.99 After $10 Instant & $65 Mfr. Mail-In SavingsPhoto Explosion 5.0 Item #891-718
$4.99 After $25 in (2) Mfr. Mail-In SavingsBusiness Card Factory Deluxe 4 Item #436-893
$4.99 After $25 in (2) Mfr. Mail-In Savings
DETAILS TO FOLLOW
====================****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

http://finance.yahoo.com/news/why-bill-ackman-is-targeting-herba...Bill Ackerman (Hedge Fund manager) did by shorting Herbalife. I started a thread on it. It will be interesting to see what happens when/if the FTC rules on it.

Hello FW community
I am in GA and stayed at this apartment for 1 year and moved out on 11/30/12, which is the last day in my lease. I have cleaned the apartment really nice and taken photos as evidence.
As of today (1/8/13) I have not received my security deposit of 250$. Nor did I receive any written statement showing the deduction list of the deposit. This is a big corporate and runs a bunch of apartments in Atlanta. I gave the community manager move-out notice 2 months prior, which was requested by the manager and also required by the lease. I gave the forwarding address - my working address, for further communication. As of now, it is over 30 days, I just didnot know what happened to my deposit. So I pull up some GA laws online (link below). It looks to me I can claim lawfully a total of three times of the deposit (750$) for the landlord's failure to return the deposit or final statement within 30 days. But the law do have some statements that I donot fully understand and may work for the landlord's favor. So I am asking for advice on how to proceed with this.
The best way for me is to settle outside court, since I donot want to spend too much time to go to small claim court. As long as the landlord comes to an agreement on returning me the full amount (250$) plus a reasonable penalty, I can work it out by myself. The question is just, how much should I ask to make a little fortune, say, 300$?
by the way, this corporate have an attorney company handling their legal cases. I wonder whether these lawyers will come up with some tricks to work against me. I did not know a thing about this landlord law till today.update:
I have called the number on their corporate website, but always nobody answered the phone, and the voice mail box is full. There is a contact message box webpage, but it seems to be informal. I want everything in writing.http://law.justia.com/codes/georgia/2010/title-44/chapter-7/arti...

Hello FW community
I am in GA and stayed at this apartment for 1 year and moved out on 11/30. As of now I have not received my security deposit of 250$. Nor did I receive any written statement showing the deduction list of the deposit. This is a big corporate and runs a bunch of apartments in Atlanta. I gave the community manager move-out notice 2 months prior, which was requested by the manager and also required by the lease. I gave the forwarding address - my working address, for further communication. As of now, it is over 30 days, I just didnot what happened to my deposit. So I pull up some GA laws online (link below). It looks to me I can claim lawfully a total of three times of the deposit (750$) for the landlord's failure to return the deposit or final statement within 30 days. But the law do have some statements that I donot fully understand and may work for the landlord's favor. So I am asking for advice on how to proceed with this.
The best way for me is to settle outside court, since I donot want to spend too much time to go to small claim court. As long as the landlord comes to an agreement on returning me the full amount (250$) plus a reasonable penalty, I can work it out by myself. The question is just, how much should I ask to make a little fortune, say, 300$?
by the way, this corporate have an attorney company handling their legal cases. I wonder whether these lawyers will come up with some tricks to work against me. I did not know a thing about this landlord law till today.http://law.justia.com/codes/georgia/2010/title-44/chapter-7/arti...

Business Week contained a story about Meson Capital Partners founder Ryan Morris, an activist investor, in its 20 DEC 12 issue. Curious about Meson's yearly performance history, I have attempted to look it up online but have not found any resources that share the fund's yearly returns. A commentor on the article's page (http://www.businessweek.com/articles/2012-12-20/ryan-morris-28-y... states that Meson has been down for each of the last three years, culminating in a -36.8% total return since 2010, but (s)he fails to identify where that information was found. Can someone please point me to an online resource in which every fund's yearly performance are listed - including funds with only a few million invested like Meson Capital?Thank you.

BEST BUY UPGRADE AND SAVE PROGRAM -- Begins January 13 2013 through the end of business February 2, 2013
Bring in an original, commercially released DVD (no burned copies) with its original case and you'll receive a $5 coupon that's valid on select Blu-ray movies. Just head to the customer service counter at a Best Buy store near you for complete details and to take part.For those have participated before the expected Upgrade and Save will be starting in 2 weeks. For those who have not, this can be a pretty good program to trade some old DVDs for $5 coupons to
buy Blurays pretty cheaply It looks like a full 3 weeks this time. This is the 5th or 6th time for this version of the program, but each time it works just a little differently and if you go the first couple
days of the program you may get some questionable looks. The program seems to have settled into a quarterly deal averaging 3 weeks -- 4 wks last summer, 2 wks in October.Assuming all past rules apply this is the program FAQ. Even more than usual YMMV applies -- there are lot of different scenarios for this program and it seems each store and each manager seems to have a different playbook.
This program gets a lot of different responses. 1) Trade in ANY DVD for a $5 credit toward purchase of ANY $9.99+ Bluray in stock at Best Buy B&M. This is basically an instore only deal.-- Limit 5 per visit. Per visit is most often interpreted as 5 per day per customer, but many people have just walked out and come back in immediately or later the same day with 5 more discs. Plenty of people have done far
more than 5 at a single visit as long as the store allows the exception.-- No stacking of coupons. One Coupon, One Bluray . A Single $5 discount coupon is allowed per Bluray or Bluray boxset (it may be the only rule I've never seen stretched). A boxset of 3 movies will not allow 3 coupons
and you can't use 2 or 3 coupons on a single Bluray under any circumstance.-- Most of the time the coupons have an expiration date co-coinciding with the last day of the program so you can't save them and use them next month.2) Trade in DVDs do not have to be same title as Bluray. Boxsets are most often counted as 1 DVD so if you bring is a set with 4 movies in one case then you will likely be given 1 coupon and not a coupon for each disc.
If your set has for cases in a boxset, just toss the box. If you have a TV series with 5 cases, bring them in as individual pack and not as a set. This works best if each case has a UPC code (S1, Disc 1). I've also found
that if you bring in a bunch of discs of the same season, same show then some clerks will balk so best idea is to bring 1 (slim)case from each set and make another trip later or be prepared to discuss the details.-- If somebody pulls up a list off Google of 100 or 150 Old Blurays that are "Only Movies Allowed" then they are likely showing you the lists for May or October 2011 which were restricted to certain titles. The Google lists
get pulled up everytime this program is live either online or even instore -- check the dates on the list. If someone tries to tell you only same titles can be exchanged then they are incorrect. This is not the same of Selling/Trade-In
for Used Video Games and every time there are lots of people who get sent to the Video Games Department by employees thinking you are selling items. The Upgrade and Save program is separate and almost
always handled at the Customer Service Counter.3) DVD must be a commercially produced discs (no burned copies)4) No adult DVD that are specifically XXX content whether they are rated XXX or not.5) Discs are supposed to have the original case and artwork and the discs are meant to be at least presentable -- the disc at least should look like it can be played. Many stores require the UPC to be intact. Some stores
check things pretty closely (right disc, right case, right UPC, disc condition) and others just toss the case into the recycle bin without any screening. In reality discs in anything that look like regular case are often accepted
by some stores including those is Blockbuster/3rd party cases with rental stickers and and nowhere near original artwork and UPC.** Are HDDVD or HD-DVD combo packs eligible. This has been a YMMV issue and some places people have been given credit for both type discs, others only if it was a combo, and some stores refused to consider it
at all for the trade-in. If you run into this issue either try a different store or call 1-800 BESTBUY and see if they can clarify the issue for you or your Store Manager.6) Bluray -- all current and new release Bluray priced $9.99 or above should be included. Music Blurays have been included since the April 2012 program which is different than previous sales. Preorders are not included.
Discs not in store can sometimes be ordered from BBY.com and some managers will apply a coupon to that item, but ....
7) Each store in the past had there own logistics of how to work the program. Most stores would make you stop at the entry and have your used discs stamped/marked/taped.-- Many stores had you bring the used DVD to the Service desk, check them out to make sure they met criteria and gave the customer a preprinted coupon(s) with a receipt attached to the coupon/barcode. Some stores
gave the customer a Copied sheet of paper with the UPC bar code and attached receipt to 'activate' the sheet of paper. The coupon could them be exchanged at the regular register for the Bluray you were purchasing and
the barcode automatically deducted the $5 at sale. This allowed you to take your coupons out of the store and purchase later. The expiration date on the official coupon is usually the last day of the sale. . If you are given
a coupon with a receipt attached do not detach them or your coupon may well be disallowed.-- Some stores required you to bring/leave your DVD at the Customer Service desk, then bring your Blurays to the Service desk to complete the purchase. No coupons were given out so you had to exchange and purchase
the discs the same day.-- Some stores would allow you to trade your DVD for a coupon at the Service Desk, but each coupon was marked/Dated and you were told it was only valid for the date on the coupon and in that specific store. [Only had
this happen once and I have no idea what would have happened if I took the coupon to a different store or brought it back to the same store later.]8) Discounts should be taken from the actual Selling Price of the Bluray on the day of purchase despite the fine print on the coupon saying "Discount taken from Regular Price." This has and will likely continue to be a
contentious point until corporate absolutely clarifies the issue or changes the language. BBY ads often show discs with Sale Prices and then subtract the $5 U&S coupon so logically that should apply to all other discs.
9) Price matching and also using $5 coupon is a big YMMV since this can be most certainly considered combining offers or double dipping much in the same way that PM and getting a gift card for purchase is often considered
doubling up. Since the U&S is considered a Store coupon it should be applied to the price before trying to PM unlike a Manufacturers coupon (this difference is spelled out very specifically in Target and other stores coupon
use policy, but not specifically in BBY policy).10) There should be absolutely no arguments about using Reward Zone certificates during purchase.11) Additional Manufacturers Coupons SHOULD BE allowed and should be considered the same as cash or a gift card on top of the $5 Promo. This doesn't mean it won't be argued and it certainly doesn't mean it will
be accepted, but according the Best Buy's own Corporate Reps, the use of MQ should never be questioned whether it's a sales price or pricematch or promo.Multiple times the Best Buy Corporate Employees have had to repeat the phrase "The store should honor the coupon, even with the price match. Any valid manufacturers coupon displaying the manufacturers address,
a barcode, and labeled as a Manufacturers coupon at the top should be accepted on the product listed, regardless of the price." If there are any issues call the 1-800 number in store and ask for a ruling (unfortunately
this often ends up being decided "Manager runs his own store in his own way" unless it just flat out violates some policy. BBY.com community forums are the best place to take issues and often will be decided in
the customers favor with credits and RZ given to cover the missed discounts. Yelling and screaming in the store is not going to win you any arguments in store even if you are correct and will likely get security involved
and irritate everybody else in the store.12) Buying a disc this week in hopes of applying the coupon next week will work, but it should work as a return/Rebuy so if the price is higher next week it may not always save you money. As usual there is some YMMV
whether some stores will allow you to repurchase the same disc unless the store has current stock. The same can be said of ordering discs online for pick up at the store -- some stores have allowed a return/rebuy to
add the coupon and some stores have refused to do this.13) Only USED DVD or HDDVD movies are normally allowed as trade in. . Best Buy is only supposed to accept used DVDs, so make sure the DVD(s) you're bringing in to trade are unwrapped. They will sometimes
refuse to accept them if they're sealed. If you find some sealed DVD cheap and bring them to the store sealed, there have been issues. The easiest thing to do is just open them14) Where to find cheap DVDs: If you don't have any spare DVDs laying around that you wish to part with, there are a variety of places to find cheap DVDs for less than $1-$2 each. Pawn shops, thrift stores, garage sales,
flea markets, dollar stores, and eBay Several people have had success at Dollar Tree, where select DVDs can be found for 25 cents, and some titles even for 1 cent. *Disclaimer* Finding these 25/1 cent DVDs
is a YMMV situation. Some stores have them, some don't. Some BBY stores have balked at accepting these essentially throwaways in slim cases or cardboard sleeves though technically they are commercially
manufactured and in their original cases so you should prevail..Bringing 5 of the exact same item in for trade in -- often these cheapo discs can raise some eyebrows so if you can divide them up and bring in 5 different items it will go smoother though not to say it won't work15) Most people have failed at trading in Blurays for coupons even if there is a DVD in the case.16) If you have a multidisc DVD with those removable trays for extra disc, it is best if you just bring in the case with the tray out and you can keep the extra disc (cool for bonus material). Empty disc trays do raise suspicion
at the service desk.17) Nobody knows exactly what happens to the old discs and cases. The official word is they are recycled at some national recycling center -- whether this means they are donated to charities for a tax deduction,
sold to 3rd party resellers, or just destroyed is murky.
Best Buy Coupons

Just a heads up for anyone that owned Bank of America stock between October 10, 2008 and held until at least January 12, 2009.There is a 2.3 billion dollar class action lawsuit settlement that you can apply for. Bank of America failed to disclose to shareholders billions of dollars in losses at Merrill Lynch while shareholders were voting on the merger. Additionally, several billion in bonuses were paid out during these hefty losses.I suspected this is one of those scenarios where the class action lawyers walk away with a fortune and everyone else gets pennies but it looks like I'll get several hundred dollars (hopefully). Based on all the stockholders on those dates, the minimum settlement will be around $0.40 per share owned during those dates. It will likely be much higher as not everyone will file. The website for more information is Link. The deadline to file is April 25, 2013.

I saw this in the Amazon outlet section and it is a relatively good deal, even for an RCA. But there is a BIG caveat. If you read the reviews, and there are just four, all complain about the DVD not working. So that would be a major deal killer. I doubt they have a 100% fail rate, but it is something to consider if you decide to roll the dice on it.Actually, the reviews for the same model on Best Buy are overall pretty good (4.0 average), though the three one-star reviews tend to hinge on the DVD part. It's $144.98 at BB.Amazon LinkHere's the tech details if you want to live dangerously:Model:19LB30RQD
1 HDMI Connection
Resolution: 1366 x 768
Contrast Ratio: 1000:1
5 ms response time
ENERGY STAR compliant ($11 a year)
RCA True-to-Life Screen
Tuner Mode: ATSC/NTSC
USB Media Play: Photos, Music
Amazon Coupons

Office Depot FAR software for the week of 12/30/2012
McAfee Internet Security 2013 - 3 User
Item #830-698
FREE After $10 Instant & $60 Mfr. Mail-In Savings
In Store Price $59.99
Valid 12/30/12 through 1/5/13System Mechanic Pro
Item #219-895
$9.99 After $30 Mfr. Mail-In & $30 Mfr. Current User Upgrade Mail-In Savings
In Store Price $69.99
(SAVE $60)
Valid 12/30/12 through 1/5/13
====================****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

http://www.amazon.com/gp/reader/B007BLO6GUThree 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
Amazon Coupons

The incident - This could be an eyeopener for many but this is what happened to me.
I bought a laptop (by online reservation with store pickup) from Staples. Two hrs after placing the order I go for pickup. The Manager- followed by two employees - brings the package and even before I can see the package starts of the warranty/ insurance talk. I initially find that to be perfectly OK and in his line of duty since I faced this earlier. I politely refuse with the only thing in my mind being take the lapotp and go home since it was nighttime/dark and inclement weather. He does not relent and pursues on and on for almost 10 mins. He also siad that " Take the warranty/ insurance now and return it within a month" I knew immediately he wa sfranctic to increase his sales but I told I am not interested in doing returns in this way.
He then changes topic and asks if I have a cell phone/ tablet etc etc etc.. Like an idiot trying to impress I rant out all the gadgets that I have. Till now I can only see the package and see the box is fine etc. I give him my rewards printouts that has my name and address. It also had the specific reward numbers but without the bar code (failed to print). So he told me to print all the rewards .. a substantial number) from the Staples website in the store. Meantime he takes the package and goes inside and comes out by the time that I finish printing.. maybe 1 min(sounds fine to me). But then I am ready with my rewards and he picks up the phone and started and started talking which was a good 7-10 min talking with someone. I am on tenterhooks that I want my laptop by my side while the employes keep telling me that it is their policy to keep the laptop inside till the transaction is done. OK with me but the time taken a bit bit too much with me trying to attract the Manager's attention that I am done and ready. Strangely it seems that only he is allowed to do the transaction while the others stand by and watch. He does the transactio quickly and then only goes inside and gets the laptop...now a good half an hour that it was inside. I get a bit nervy and feel the box to see that parts of the box are damaged in terms of possible man-handling. I could not control myself and opened it in front of the employees to see if eveything was OK (First time I ever did this).
I saw the battery was out of its cover and the electrical cords hanging out of the plastic giving me asense that the package was not new and looked liek a refurb. I politely asked him if I could get a new peice to which there no answer (maybe because he was with anothe customer)...I waited a few minutes and resigned to the fact that if everything was not right then I would return it.
I come home and though I bough a new laptop was not happy. And I would be even more sadder the next day.
My house got broken into and the laptop get stolen just 12 hours after the purchase (when nobody is at home).
Along with that a few more laptops and all the gadget that I meantioned vanished.
I call Staples and they tell me to call Staples Presidents office where I was told that it was the case for the police.Questions:
1)Can I call the manufacturer (which I going to just now) and have him track the laptop. I have no doubts I am not going to get it.
2) The other laptops were even better than the new one. But my main problem is that had all my tax filings etc from previous years ...meaning all my social security etc of me and my family was on the laptop. It has an adminstrator password but not a very strong one. How likely is my SS at risk and what should I do? Who all should I contact so that my credentials are not compromised. Will the thief just erase the hard drive and sell it or could more harm be done. How can I protect myself.
Throughout the write up I tried to keep calm so any mistakes in my expression / writing may please be pardoned.
Thanks in advance.

Office Depot FAR software for the week of 12/23/2012
AVG Internet Security 2013 For 1 PC
Item #331-684
FREE After $20 Mfr. Mail-In & $30 Mfr. Current User Upgrade Mail-In Savings
In Store Price $49.99Trend Micro Titanium Maximum Security For 3 PCs
Item #220-795
FREE After $45 Mfr. Mail-In & $45 Mfr. Current User Upgrade Mail-In Savings
In Store Price $89.99iolo Drive Scrubber
Item #388-950
FREE After $3 Instant, $20 Mfr. Mail-In & $10 Mfr Current User Upgrade Mail-In Savings
In Store Price $29.99iolo System Mechanic PC TotalCare
Item #314-637
FREE After $30 Mfr. Mail-In & $30 Mfr. Current User Upgrade Mail-In Savings
In Store Price $59.99Avanquest Fix-It Utilities 12 Professional
Item #494-266
FREE After $20 Mfr. Mail-In & $20 Mfr. Current User Upgrade Mail-In Savings
In Store Price $39.99Avanquest System Suite 12 Professional
Item #494-797
$2.99 After $30 Mfr. Mail-In & $20 Mfr. Current User Upgrade Mail-In Savings
In Store Price $52.99Avanquest WebEasy 8 Professional
Item #485-613
$4.99 After $45 in (2) Mfr. Mail-In Savings
In Store Price $49.99McAfee Total Protection 2013
Item #830-743
$7.99 After $8 Instant & $44 Mfr. Mail-In Savings
In Store Price $51.99====================****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

There is a family member that has recently filed bankruptcy and still has her house payment and a paid-off car.
The car is an older, high mileage luxury brand that is not worth very much money because of the age, mileage and poor condition. It costs more than she can afford just to keep fixing everything that breaks even though it is paid off. Family members help her pay for repairs, but at this point it looks like the car loan payment on something newer and more reliable would be cheaper than paying hundreds of dollars every few months on repairs and waiting for the inevitable multi-thousand dollar failure that is sure to be coming up soon.So, we are planning to help her get something newer that will not need major repairs anytime soon and that will also be much cheaper to repair when it does need repairs. We want to find something that will have a monthly payment of around $150 per month for her without anyone co-signing with her and help her with the loan payment if needed instead of helping her with repairs on an unreliable and expensive to fix car. Maybe something like a 2004 or newer Toyota Corolla with less than 100K miles.
I don't know her actual credit score, but I assume it is in the subprime category because of the bankruptcy.
Is there a place to look up current subprime auto rates to see what they should be? One concern we have is that the dealerships will add a markup to the already high subprime rate she would qualify for. For instance, if she qualifies for 10%, the dealership finance guy will lie and say she qualifies for 15% and pocket the commission on the 5% markup and she be stuck with either a bigger payment or else an older car for the same payment that will end up with higher repair and maintenance needs.
Where are some good places to shop for pre-approved subprime auto loans so that she will not be at the mercy of whatever interest rate the dealership says she qualifies for?

http://www.amazon.com/Five-Minutes-Mondays-Fulfillment-ebook/dp/...Imagine the leaders of one of New York Citys top real-estate firms coming together every Monday morning to hearthe moral and spiritual thoughts of a Rabbi. Wouldnt you like to be a fly on the wall? To hear the paths Alan Lurie traced for his listeners, how he helped them bring together their spiritual and business lives, the sacred and the profane? Five Minutes on Mondays compiles these talks for the first time, sharing Luries deep and profound inspiration on the challenges we all faceat work, and in life. Lurie draws on millennia of philosophy, theology, and science to help us answer our deepest questions, comfort our deepest yearnings, and become better peoplemore connected to each other, and to the Greater Purpose.
Prosper while keeping your integrity Balance faith, honor, and ambition Use your workplace as your moral and spiritual "gymnasium" Find deeper meaning and purpose in your work Face your fears and failures, and keep going Gain real respectand give it Live one authentic lifeat work, and everywhere else
Amazon Coupons

Hi. Recently started reading these forums and am impressed with some of the advice given here. I'd love to hear some thoughts on my situation.I'm likely to be joining a start-up in a few months. Until then, I have 4-5 paychecks and a medium-sized bonus to collect at my current job (it'll be 2013 income). I'm debating whether or not to contribute a significant amount of this money to a traditional or Roth 401k. Relevant points:
1) I'll be making probably about half what I'm currently making
2) Very small startup, so probably won't have any sort of 401k access
3) I'm a pretty serious saver, so I have enough savings to cover about 2 years at my current rate of spending (before considering any salary). I also have a decent amount (say, one year's worth of current spending) in a 401k (65/35 traditional/Roth).
4) I'm reasonably young (30), live in a relatively high cost of living area, will be married soon, but no kids in the plans for a few years at least (fiance is having trouble finding work, so I'm not considering her contributions currently).I was saving up to buy a nice house (on the high end of what I can afford, so we can grow into it), but am now content to continue renting for the next 2-3 years until the start-up matures. But I want to have enough to get back on that plan (the house) if the start-up fails and I go back to earning roughly what I am now.I plan to limit spending somewhat, but not drastically, since I can afford it. Based on my estimates, I'll be net-negative about 10-15% of my saving, per year. The upcoming bonus/salary is also about 10% of my savings (after taxes). It's also more than the 5k IRA contribution limit, which is why I want to consider now if I should take advantage of the higher 401k limit, while it's an option. No 401k matching to consider.Thoughts? Should I use the money to offset the first year of net-negative income? Contribute to a traditional 401k, and possibly do a Roth conversion later in the year, depending on how the numbers actually play out? Contribute to a Roth 401k so I don't have to deal with the conversion process/taxes/etc. later?Is there anything else I should do to prepare?

We are three families (8 adult + 4 kids) from diff places planning to meetup in Florida , our main interest to see beach places and Disney land we will be driving there, but really need guidance on the best sequence of places to visit and place to stay (hotels or resorts)I am asking because I want to be very careful and well planned this time(failed many times before on travel planning) ..thanks and appreciate

Looking for good ipad deal for the 32GB WITH RETINA DISPLAY (=A6x process, i.e., the one released in November). Failed at Bestbuy ship to store (whole state sold out). But this one's not bad.Target, in store only, through 12/15. Regularly $599 + tax for referenced model/ 32gb. Apply 5% off pharmacy rewards; apply 5% off for Target redcard credit card.

Current promo: get a $50 card through 11:59 pm on 12/15 for any iPad purchase (EXCLUDES mini).http://www.target.com/HelpContent?help=/sites/html/TargetOnline/...Add $10 GC for $50 off purchase. http://coupons.target.com/friends-and-fans-coupons#?lnk== $540.60. However, will leave with $60 issued in new Target gift cards. If you regularly shop at Target, might be best final deal of season.

Check your email for this offer. Save 20% off your first $100 spent on Toys & Games with your Amazon.com Rewards Visa Card.* This offer is valid DECEMBER 12-16, 2012* Limit one discount per customer. Maximum discount applied will be $20 on qualifying products sold by Amazon.com.
Save 20% off your first $100 spent on Toys & Games with your Amazon.com Rewards Visa Card. Here's how:
1. Add eligible Toys & Games to your cart.
2. Select your Amazon.com Rewards Visa Card as your payment method at checkout.
3. Enter promo code TOY20OFF in the "Gift Cards & Promotional Codes" box. You will see "Promotion Applied" in your Order Summary.------------------------------------------------*OFFER TERMS & CONDITIONS:Limit one discount per customer. One time use promotional code valid on your first $100 spent on select Toys & Games purchases through December 16, 2012 11:59 PM PT or while supplies last. Maximum discount applied will be $20 on qualifying products sold by Amazon.com at Amazon.com/toys20off and eligible for purchase with the Amazon.com Rewards Visa Card. Amazon.com reserves the right to cancel the promotion at any time. Offer must be redeemed through the Amazon.com shopping cart using your Amazon.com Rewards Visa Card as your payment method. Offer must be redeemed at the Amazon.com web site, www.amazon.com. Products sold by other merchants or third parties do not qualify for this promotional offer. Offer 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. If Amazon.com is not the seller, this will be noted on the product detail page. Taxes, gift-wrap, and shipping and handling not subject to discount. Offer may not be combined with other claim code-based offers. Offer is not for resale and is not redeemable for cash. Offer cannot be applied to orders already placed with Amazon.com. If you return an item purchased using the offer, you will receive a refund for the amount paid for the item. Void where prohibited. Chase is not responsible for provision of or failure to provide the stated benefits and services.Link
Amazon Coupons

Check your email for this offer. Save 20% off your first $100 spent on Toys & Games with your Amazon.com Rewards Visa Card.* This offer is valid DECEMBER 12-16, 2012* Limit one discount per customer. Maximum discount applied will be $20 on qualifying products sold by Amazon.com.*OFFER TERMS & CONDITIONS:Limit one discount per customer. One time use promotional code valid on your first $100 spent on select Toys & Games purchases through December 16, 2012 11:59 PM PT or while supplies last. Maximum discount applied will be $20 on qualifying products sold by Amazon.com at Amazon.com/toys20off and eligible for purchase with the Amazon.com Rewards Visa Card. Amazon.com reserves the right to cancel the promotion at any time. Offer must be redeemed through the Amazon.com shopping cart using your Amazon.com Rewards Visa Card as your payment method. Offer must be redeemed at the Amazon.com web site, www.amazon.com. Products sold by other merchants or third parties do not qualify for this promotional offer. Offer 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. If Amazon.com is not the seller, this will be noted on the product detail page. Taxes, gift-wrap, and shipping and handling not subject to discount. Offer may not be combined with other claim code-based offers. Offer is not for resale and is not redeemable for cash. Offer cannot be applied to orders already placed with Amazon.com. If you return an item purchased using the offer, you will receive a refund for the amount paid for the item. Void where prohibited. Chase is not responsible for provision of or failure to provide the stated benefits and services.Link
Amazon Coupons

So my wife goes to a new doc two weeks ago for a cold in her eyes from an eye bacterial infection. Doc spends about 8 minutes with her and writes her a prescription for antibiotic eye drops and birth control (which she said not to do as her OB takes care of that). We get the explanation of benefits and see that the office billed out the visit as New Patient, 45+ minutes for $300ish. We have a HDHP and get the negotiated rate of $115ish. However looking online (in the estimate health care costs section) I see there are 5 different categories for office visits:
1) New Patient, minimal (5-10 min) - Simple stitch or sunburn - $36
2) New Patient, low (10-20 min) - Acne or Rash - $65
3) New Patient, moderate (20-30 min) - Chronic Skin Ulcer or New Joint Pain - $95
4) New Patient, moderate-high (30-45 min) - Multiple Lung Infections or other Chronic conditions - $138
5) New Patient, high (45-60 min) - Kidney Failure or other Chronic Conditions - $173She got billed for #4 (the doctor was less than the average listed above) for this visit. I cannot see how a simple eye cold fits in anything other than #1 or #2. In addition to the docs 8 minutes, she talked with a med student for 10-15 minutes (who I would think is unpaid) and the physicians assistant for 3-4 minutes. It seems like the office is trying to bill for more time than the doctor spends because 99% of patients just have a copay and could care less. For us, with the HDHP, it matters. I don't really want to us the word fraud but it almost seems like that to me. That said, is the best place to start with the doctors office to get them to recode the visit or my insurance company. While it doesn't impact my insurance company on my bill (I haven't met my deductible so this is all out of pocket for me), it does for all the PPO/HMO/etc type of plans where the insurance is paying out all the money to this doctor while they are over billing visits.Thanks in advance. We haven't had any problems at either my sons ped office or my wifes OB, but this is a new doctor we are having this experience with. The sad part is, my wife really liked the guy and the office. We were actually planning on going back for a blood workup after the start of the year and I was going to go in to see him then as well. Side note, my wife just came in here and asked what she can do differently in the future. When the doc is asking questions what does she do? Is this a doctor issue or a front office billing issue?

I really liked the sort of "Eternal Earth-Bound Pets" ideas that boomed slightly before the failed Harold Camping rapture prediction and wonder what other markets could potentially soon exist. David Morrison, a NASA scientist, cited a poll that claimed ~25 million Americans are expecting a world-altering event to occur on December 21, 2012. That's a lot of people who won't have a need for their paper bills other than as fire kindling.Other than guns, canned beans, and fuel.. Are there any interesting ideas for the 10-day stretch ahead of us to make some extra holiday dollars by playing on the apocalyptic fears of others?

Here is my situation:
Hired a roofer. Verified him with a local contractor I've done business with and went and looked at his current job.
He brings some guys out and they do the job and no real complaints.
The roofers brother needed his normal trailer for the day and one of the guys on the crew brought his utility trailer for cleanup.
The utility trailer (not ideal for the job) had a tire failure and was parked in my driveway partially loaded with debris.
A large dump trailer was brought in and the remaining debris was removed.
Roofer was paid at the completion of the job.
The helper said he would return on Friday 11-23 to get the trailer. He also expressed interest in doing some further cleanup work I had to do on the property.Friday came and he did not show up.
Since the trailer was in the way I moved it out of the driveway into the yard.
The following Tuesday (27th) he stopped by my house and apologized for not showing up on Friday.
I explained the trailer was in the way and that I had to move it to the current location. I also no longer had need of help as the work was completed Friday without him.
I asked him when he planned to remove the trailer and he said he would come back by Friday (30th) to remove it. I gave him my phone number and he left.
So Friday came and went and again no contact from him.
I contacted the roofer and he explained they had a falling out and that he could not provide any contact information for the owner.
The roofer told me he wants nothing to do with the owner and refused to provide his full name.
The roofer rather explicitly told me he did not care what I did with the trailer.So now another full week has passed and I have not had any further contact with the owner.
The trailer has been sitting on my property sans tire since 11/19.
The trailer does not appear to have any identifiable markings and does not appear to be registered (no tag).I'll post pictures of the trailer in the morning.
It is about 5x12 with wood stake sides, single axle, and 2" tongue.
It may be homemade as I didn't find any factory markings.At this point I can only assume that the trailer has been abandoned.Note: So after typing this all up I started reading the SC laws on abandoned motor vehicles. Presuming I'm interpreting article 56-5-5630 correct it appears that trailers are considered a vehicle and that my next course of action would be to contact the county sheriff and see if they will have it towed. Apparently it is at the officers discretion as to whether they will have the "vehicle" towed. If they do not wish to have it towed I'm not sure what else to do. I foresee a this is a civil matter or some similar response from the officer.Any suggestions? I do have 10+ acres so I could move it to a spot that is out of sight / out of mind for some time.

Sustainable, responsible financial innovation: lessons from the crisis, and new paths to global prosperity http://www.amazon.com/Financial-Innovation-Collection-ebook/dp/B...
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

http://www.amazon.com/Presenting-Win-Telling-Expanded-ebook/dp/B...Thirty million presentations will be given today. Millions will fail. Millions more will be received with yawns. A rare few will establish the most profound connection, in which presenter and audience understand each other perfectlydiscover common ground and, together, decide to act. In this fully updated edition, Jerry Weissman, the worlds #1 presentation consultant, shows how to connect with even the toughest, most high-level audiences...and move them to action! He teaches presenters of all kinds how to dump those PowerPoint templates once and for all and tell compelling stories that focus on whats in it for the audience.  Weissmans techniques have proven themselves with billions of dollars on the line. Thousands of his elite clients have already mastered them. Now its your turn! What you must do to tell your story Focus before Flow: identifying your real goals and message
The power of the WIIFY: Whats In It For You Staying focused on what your audience really wants
Capture your audience in 90 seconds and never let go! Opening Gambits and compelling linkages
Master the art of online Web conferencing Connecting with your invisible audience
From brainstorming through delivery Crafting the Power Presentation, one step at a time Named by FORTUNE Magazine as a "Must-Read"
Amazon Coupons

http://www.amazon.com/The-Art-Asking-Questions-ebook/dp/B004M18N...
Ask the Right Questions in the Right Ways...And Get the Answers You Need to Succeed! Discover the core questions that every manager needs to master...how to avoid the mistakes business questioners make most often...ten simple rules for asking every question more effectively. Learn how to ask tough questions and take control of tough situations...use questions to promote innovation, drive change, identify hidden problems, and get failing projects back on track. Ask better questions, get better answers, achieve better results! Required reading for every leader who wishes to see his or herorganization flourish and career progress.Garry A. Neil, MD, Corporate Vice President, Johnson & Johnson Asking, listening, understanding the real meaning of the answers, and taking actions based on facts are really the essence of managing. This book has helped me in connecting the dots in my understanding (and lack thereof) of why things really did not work the way I expected them to.
Pradip Banerjee, PhD, Chairman and Chief Executive Officer, Xybion; retired partner, Accenture The framework and techniques provide outstanding ideas for executives to both gain better information and develop the analytical skills of their teams.Terry Hisey, Vice Chairman and US Life Sciences Leader, Deloitte Weve all met the corporate inquisitor: the individual whose questions seem primarily intended to terrify the victim. The right goal is to solve the problem--and to build a more effective, collaborative organization where everyone learns from experience, and nobodys too intimidated to tell the truth.
Amazon Coupons

I searched and found no mention of this $25 upgrade rebate for purchasers of Kaspersky Internet Sceurity 2013 (3 user) from Frys or Frys.com. For those of us that picked up a copy of KIS2013 at Thanksgivng FAMIR ($55 rebate) this lets you make $25 and it is completely legit, LOL! Here is the link to the original post $55 MIR KIS2013 from Frys post; and here is a link to the rebate page at Kaspersky for the the $25 upgrade rebate KIS 2013 $25 Upgrade MIR The $55 rebate requires the a copy of the registration form, a copy of the receipt or invoice, and the ENTIRE ORIGINAL BOTTOM box flap containing the original UPC barcode and part number.; the $25 Upgrade rebate wants the a copy of the registration form, a copy of the receipt or invoice, a copy of the UPC code from the product packaging, the ENTIRE ORIGINAL TOP box flap containing the Kaspersky product name and/or logo from the product packaging, and a copy of the installation disk or page 1 from the manual of a competitor's product or previous Kaspersky product. 3. Note the ENTIRE ORIGINAL TOP box flap must be submitted.The underlined sections are copied directly from my forms. So for those FWer's that picked up KIS2013 during the $55 MIR promo from Fry's heres a bonus $25! Yes, Kaspersky has a bit of a reputation as being slow in paying, but they have never failed to deliver on their rebates in my experience.
Kaspersky Coupons

$150.00 Bonus after making 5 trades at Motif Investing. It works like this: 1 trade=$50, 3 trades=$75 and 5 trades=$150.00. So basically you net $100 if you do 5 trades, because each trade is 9.95. You need to keep the funds for 45 days if you are planning a dump and run. https://www.motifinvesting.com/
Motif FAQs I've seen their online ads a lot and decided to take a closer look. Its like trading theme-based ETFs which they now call "Motifs". Sounds like a cousin of Folio Investing, Covestor, Sharebuilder etc with their own twist. A wide variety of themes are covered, some of them contrasting. They have "Republican Donors" and "Democratic Donors". "Too Big to Fail" (TARP takers) and "Bailout free banks" (non-Tarp)", "All American", "China Internet", "BRICS". How about "Gay Friendly", "Senior Care", "Child's Play", "No Glass Celings (Women CEOs), "Pet Passion" (pets obviously). Even a "Seven Deadly Sins" type with holdings representing, well, the seven deadly sins. Not sure if people will agree on that though. You own the assets directly, so there isn't any of the mutual fund expense overhead like management fees, marketing fees, etc. Each Motif is based on a theme (whether you agree on the holdings within a theme is another story). BUT, you can actually tweak the holdings within a motif, like increasing/decreasing the holding percentage at no extra cost. Or you can create your own. So its 9.95 to buy, sell, tweak an existing motif with a minimum $250.00 investment amount per motif. If you already own one and you want to trade individual holdings within that motif, thats 4.95 per stock/etf. Looks really low cost. There is plenty of stock overlap between themes (AAPL appears on several themes). I'm not sure how this will work when you do a lot of trades (buy/sell) for taxable accounts. Trades are apparently done in real time, but no limit orders yet. So you could very well be burned with the order fills. They use Apex.

http://www.amazon.com/Five-Steps-Your-Next-ebook/dp/B0058DX9FCLead to Succeed and You Won't Manage to Fail" gives you
an inside look at what it takes to not only become a great manager but a
legendary leader. Written with the career focused individual in mind
this book is a straight forward look at what successful leaders do to
maximize their effectiveness both before and after they become managers.
Whether you manage a small community organization or a large Fortune 500
company this book will help you become a more effective leader by
providing you with an in depth insight into what great managers think
about and consider when building a successful organization.
Learn first hand what it takes to lead like a legend, because if you can
lead well... you won't manage to fail.

http://www.amazon.com/Living-Rich-Spending-Smart-ebook/dp/B004M1...4.4 Stars out of 5 46 Reviews
This is the eBook version of the printed book.After 21 years of giving advice about your wallet on the radio, I thought I had heard it all and read it all. Then I read Living Rich by Spending Smart. Greg Karp has a clear roadmap to wealth that is yours for the taking. Follow his simple steps and you will take control of your financial future. Get FIT now!Clark Howard, The Clark Howard radio show  The book is full of practical information for trimming and redeploying spending, which is often given short shrift in other personal finance books. The author provides solid advice and solid writing on a topic that benefits from a fresh voice.Liz Pulliam Weston, MSN Money columnist and author of Easy Money  Greg Karp offers well-researched, practical strategies that can help anyone save big money on everyday expenses, and his entertaining writing style makes the book a fun read.Stephanie Nelson, editor of CouponMom.com and frequent guest on ABC-TVs Good Morning America  Greg Karp gets it and you will too. His research and tips will help you keep more of the money you earn. Reading Living Rich by Spending Smart is the best way to give yourself a raise.Steve & Annette Economides, New York Times Best-Selling Authors of Americas Cheapest Family Gets You Right On The Money  Wise people have always known it. Now Greg Karp lets everyone in on the secret. The surest way to living well is to manage your spending. Living Rich by Spending Smart is a simple roadmap that anyone can follow. And should!Gary Foreman, editor of TheDollarStretcher.com   For every consumer who consistently fails to engage brain before operating pocketbook, this book provides simple, concrete steps to immediately take control of your spending.Edgar Dworsky, founder of ConsumerWorld.org 
As The Millionaire Next Door revealed, building wealth isnt just about working harder or what you choose to invest in: its about spending smarter. Now, award-winning Tribune Company personal finance columnist Gregory Karp shows how to do just that.This book isnt about depriving yourself. Instead, Gregory Karp shows how to build real, long-lasting wealth by plugging the money leaks youre barely aware of and making sure you spend with a purpose. Karps surprisingly painless techniques will help you eliminate wasteful spending in every area of your financial life. Youll discover how to focus spending on what you really care about...spend less on gifts without becoming a cheapskate...slash your phone bill...pay less for food and still eat what you want...eliminate spending ...
Amazon Coupons

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. online license activation is required. License grants usage on one computer at a time.Text Brings you to BitsDuJour website. I've downloaded a few other programs from them with no problemsMore Info Here but download from the first site to get it freeI've also had this same program installed on my computer for the last 6 months because I was worried about my hard drive. With the additional info it gave me I ended up replacing it Note: Be safe - there is no substitute for good backups

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. online license activation is required. License grants usage on one computer at a time.Text Brings you to BitsDuJour website. I've downloaded a few other programs from them with no problemsI've also had this same program installed on my computer for the last 6 months because I was worried about my hard drive. With the additional info it gave me I ended up replacing it Note: Be safe - there is no substitute for good backups

$150.00 Bonus after making 5 trades at Motif Investing. It works like this: 1 trade=$50, 3 trades=$75 and 5 trades=$150.00. So basically you net $100 if you do 5 trades, because each trade is 9.95. You need to keep the funds for 45 days if you are planning a dump and run. https://www.motifinvesting.com/
Motif FAQs I've seen their online ads a lot and decided to take a closer look. Its like trading theme-based ETFs which they now call "Motifs". Sounds like a cousin of Folio Investing, Covestor, Sharebuilder etc with their own twist. A wide variety of themes are covered, some of them contrasting. They have "Republican Donors" and "Democratic Donors". "Too Big to Fail" (TARP takers) and "Bailout free banks" (non-Tarp)", "All American", "China Internet", "BRICS". How about "Gay Friendly", "Senior Care", "Child's Play", "No Glass Celings (Women CEOs), "Pet Passion" (pets obviously). Even a "Seven Deadly Sins" type with holdings representing, well, the seven deadly sins. Not sure if people will agree on that though. You own the assets directly, so there isn't any of the mutual fund expense overhead like management fees, marketing fees, etc. Each Motif is based on a theme (whether you agree on the holdings within a theme is another story). BUT, you can actually tweak the holdings within a motif, like increasing/decreasing the holding percentage at no extra cost. Or you can create your own. So its 9.95 to buy, sell, tweak an existing motif with a minimum $250.00 investment amount per motif. If you already own one and you want to trade individual holdings within that motif, thats 4.95 per stock/etf. Looks really low cost. There is plenty of stock overlap between themes (AAPL appears on several themes). I'm not sure how this will work when you do a lot of trades (buy/sell) for taxable accounts. Trades are apparently done in real time, but no limit orders yet. So you could very well be burned with the order fills. They use Apex.

Staples product page Straight price is 39.99 per unit. Deal gets better by adding FAR sfotware:
Add Kaspersky and 0.99 filler to use $15 off coupon 70157. (Use CashBack/rebate program of your choice to sweeten to taste.)Link to Kasparsky at $59.99 before $59.99 rebate
Link to filler erase for $0.99
Free shipping to store.Manufacturer product page
(Pictures on Staples' site don't match pictures on Tripp Lite, so your guess is as good as mine. I'm guessing Staples' pictures are wrong.)Staples Description:
Product DetailsTripp Lite's INTERNET550U standby UPS offers complete protection for PCs, workstations and other sensitive electronics in an attractive ultra-compact, mountable housing. Prevents data loss and system downtime by providing battery supported AC output during brownouts and blackout conditions. 8 output receptacles, two of which are widely-spaced to accommodate large transformer plugs without blocking outlets. 4 outlets with full battery support and surge suppression protect computers, monitors and other vital system components from loss of power. 4 additional outlets with surge suppression-only are ideal for printers and other accessories not requiring battery support. Single line telephone suppression jacks protect modem, fax machine, cordless phone or other peripherals with a standard dialup or DSL phone line connection. USB port with PowerAlert monitoring software (available via web download) and cabling enables safe unattended system shutdown in the case of extended power failure. HID-compliant USB interface enables integration with built-in power management and auto-shutdown features of Windows and Mac OS X. Audible alarm and front panel LEDs offer status information regarding line and battery power operation. 550VA/300 watt power handling ability supports entry-level PCs for up to 17 minutes during power failures. $100,000 connected equipment insurance (USA, Puerto Rico and Canada only).Up to 10 minutes backup run time
300W/550VA
8 Outlets
$100,000 Ultimate LIfetime Insurance (USA, Puerto Rico & Canada only)
Single line Tel/DSL modem surge suppression
USB port with HID protocol support, cabling and included PowerAlert monitoring software
Staples Coupons

Staples product pageUse $5 off $50 coupon code 16570 (expires today 11/25) for $5 off 2 units.
Free shipping to store.Manufacturer product page
(Pictures on Staples' site don't match pictures on Tripp Lite, so your guess is as good as mine. I'm guessing Staples' pictures are wrong.)Staples Description:
Product DetailsTripp Lite's INTERNET550U standby UPS offers complete protection for PCs, workstations and other sensitive electronics in an attractive ultra-compact, mountable housing. Prevents data loss and system downtime by providing battery supported AC output during brownouts and blackout conditions. 8 output receptacles, two of which are widely-spaced to accommodate large transformer plugs without blocking outlets. 4 outlets with full battery support and surge suppression protect computers, monitors and other vital system components from loss of power. 4 additional outlets with surge suppression-only are ideal for printers and other accessories not requiring battery support. Single line telephone suppression jacks protect modem, fax machine, cordless phone or other peripherals with a standard dialup or DSL phone line connection. USB port with PowerAlert monitoring software (available via web download) and cabling enables safe unattended system shutdown in the case of extended power failure. HID-compliant USB interface enables integration with built-in power management and auto-shutdown features of Windows and Mac OS X. Audible alarm and front panel LEDs offer status information regarding line and battery power operation. 550VA/300 watt power handling ability supports entry-level PCs for up to 17 minutes during power failures. $100,000 connected equipment insurance (USA, Puerto Rico and Canada only).Up to 10 minutes backup run time
300W/550VA
8 Outlets
$100,000 Ultimate LIfetime Insurance (USA, Puerto Rico & Canada only)
Single line Tel/DSL modem surge suppression
USB port with HID protocol support, cabling and included PowerAlert monitoring software
Staples Coupons

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.

I have this rifle and can't say enough good things about it. Never failed me.http://www.sportsmansoutdoorsuperstore.com/products2.cfm/ID/8710...

Snapfish FREE 8x11 Custom Cover Photo Book/100 Prints FREE ShipSign up for a NEW Snapfish account via this url from babycenter:http://promo.snapfish.com/bfbabycenter/bfbabycenterdeal/?cc=en_us The Holidays are the perfect time to make the perfect book, FREE Right now, get a FREE 8" x 11" Custom Cover Photo Book and 100 4" x 6" Prints when you register for a new Snapfish account and upload a photo. No coupon necessary. Offer ends December 31, 2012.*

The free book is the "8x11 Custom Dust Jacket photo book"

Use code WOOHOOFS for FREE shipping.

Fine print
Conditions of the free photo book and prints offer:

Offer applies to new customers only.
Must upload photos to your album after registration to receive both 8 x 11 custom cover photo book and 4 x 6 prints to receive the products for free.
Offer excludes Photo Book Design Service, Disney, Nickelodeon, Warner Bros., Dr. Seuss, and Sesame Street themed products. Coupon expires at 11:59 p.m. PT on December 31, 2012, while supplies last.
Only one coupon or promotion can be applied per order, and either one account credit or one promo code can be applied per item. Existing credits are honored first.
Offer applies to mail-order purchases only and cannot be used for in-store pick up. All taxes and shipping fees apply.
Offer valid for one customer only. Not valid for multiple accounts. Snapfish may, in its sole discretion, terminate your Membership (or any part thereof) or your use of the Service, and remove and discard any Content at any time, without notice, for any reason, including: (i) conduct that violates these Terms or other policies or guidelines set forth by Snapfish elsewhere within the Service, or (ii) conduct Snapfish believes is harmful to other Snapfish users, the business of Snapfish, or HP Affiliates, or (iii) failure to maintain Active Participation in the Service. Snapfish will not be liable to you or any third-party for any termination of your access to the Service.
Offer valid for U.S. customers only.
thanks op kpuffy
Snapfish Coupons

I have $25K worth of an auction rate security (54471RCF2) from 2008 currently offering 0.46% auction rate and continuously failing in auction, which means, I cannot get rid of it. My question is, is there any way and how I can get rid of this, even at a loss? You can see auction results here: https://www.wellsfargoadvisors.com/auctionrates/index.htm

Sears Item# 07163041000
Model# 8605 50 CRAFTSMAN

http://www.sears.com/craftsman-heavy-duty-neverkink-self-straigh...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 replacementThis 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.
Price in cart $14.99.Thanks to Steveb3163 OP over @ SD.
Family and Friends! Save an extra 10% off lawn and garden items! Offer ends 11/13 at 7am CT.
Sears.com Coupons

There's a lot of Sears appliance deals out there but I wanted to share one I just did!Kenmore Elite 27.6 cu ft french door bottom freezer with in-door ice/water dispenser. Available in 5 colors for same price. Spec sheet PDFDirect link to Sears website for each color:
White
Stainless
Ultra satin
Black
Yuck!
$3179.99 Regular price (it's ALWAYS on sale, so it never sells for this price)
$1799.99 sale price, less:
-$180.00 Family & Friends! EXTRA 10% off Appliances & Vacuums Sold by Sears! Valid thru 11/13 8am CT
-$35.00 with coupon SEARS35OFF300AFFILIATEDEALS
-$50.00 with Shop Your Way Rewards (SYWR) coupon
(Details for both coupons are posted by Butcherboy in another Sears FW post Link to Butcherboy post with coupon info
$1534.99 pre-taxAlso, don't forget 5% FW CashBack : FW CashbackPickup is free, Sears charges for shipping but I ordered using the online chat and they offered me free shipping and also applied all above codes and my SYWR points so I went for it. Buy online, it's the quickest. I spent almost an hour chatting with them but I had to cancel my order I placed 2 days ago to re-order and wanted to make sure everything went ok.This is a rebadged LG model (LG model link) but with a different control panel. I feel that the Kenmore Elite model's control panel and dispenser controls are actually nicer than the LG. LG has a funky 2 lever dispenser that confuses first time users, Sears is a single lever dispenser.Fridge shelves are well built, glass slide outs. They don't have the folding half shelf for taller bottles but you can buy a folding half shelf from the next model up (31 cu ft) as a spare part if you absolutely need it. Freezer is a two level, has an auto slide out upper drawer which bumps out a few inches, so it doesn't obstruct the bottom drawer every time you slide it open. Shelves are plastic (not wire), top drawer has a clear plastic front.I've been researching this model for months and have checked them out in person, in store, so I know they are identical.
I even downloaded the Kenmore Elite service manual and confirmed the internal parts, including compressor, are indeed LG.
Service Manual link
(If you buy this, do yourself a favor and download the service manual ... may come in handy down the road for simple DIY repairs)
Pros:
+ French door, bottom freezer. Wide shelves vs. side-by-side.
+ Slim, in-door ice-maker doesn't take up room in the actual fridge.
+ LG variable compressor ... highly rated vs a standard compressor.Cons:
- Slim, in-door ice-maker reviews indicate ice production to be SLOW! Also, some failures reported around 2 years or so. YMMV.
- Crisper drawers require BOTH french doors to be opened when opening either side, vs. Samsung models where you can open just one door to access either drawer. Minor observation.This is probably the best deal for a fairly large french door refrigerator with all the bells and whistles for a little over $1500.I'm planning to buy an extended warranty via Squaretrade 4 additional years, for $179.99, normally $299.99 but I signed up for the 40% off coupon by liking their FB page. You can purchase a Squaretrade warranty within 30 days of your appliance purchase, so should be all set and it'll give me peace of mind in case the ice maker breaks down the road
Sears.com Coupons

iCare Data Recovery Professional PC, $89.95Free registration key: 4EAN259JEU44E5ML76AND6O464K7EMMZ (works on the "professional" but not the "pro" version)Exp. 11-09-2012  What's Special - Free lifetime upgrade, dynamic disk recoveryBesides all the basic functions, the professional edition adds on new features like free upgrading supported if new version released. It is especially useful when your computer encounters system/disk crashes and you need to reinstall iCare Data Recovery. And it could efficiently retrieve lost files from dynamic disk.What's more? It could recover files from formatted drive, RAW file system, drive has not formatted error, RAW drive, undelete files emptied recycle bin, recover files due to partition lost, system crash, software crash, bad boot sector, missing boot sector, bad MBR, $MFT damaged, lost partition table, lost or damaged FAT, virus infections, power failure, and other unknown data loss...iCare Data Recovery Professional works perfectly with hardware RAID and hard drive, USB drive, SD card, memory card, etc. It provides the comprehensive data recovery solution for computer users.Key Features of iCare Data Recovery Professional Recover files from formatted partition, memory card, external drive, USB drive, sd card...
Recover 2TB disk
drive not formatted error and report RAW file system
Recover MAC files on Windows
Free lifetime upgrade once new edition released
Recover data when lost due to resize partition, merge partition, copy partition failure by PartitionMagic, Partition Manager...
It could restore photos, office files, zip files, rar files, emails, pdf files, etc.
Reformatted sd card, xd card, cf card, pen stick, memory card...
System cannot boot, cannot locate the boot partition, I/O error
external drive, memory card, cf card cannot be detected or recognized...
Virus attack and lost files
Bad boot sector, bad partition table, damaged FAT, lost File Allocation Table...
Recover files from FAT, NTFS partitions
Recover files from devices with unknown file systems including Hard Disk, external ZIP/USB drive, removable SmartMedia, MemoryStick, SD cards, etc.
Partition structures are damaged or deleted...

iCare Data Recovery Pro PC, $89.95Free registration key: 4EAN259JEU44E5ML76AND6O464K7EMMZExp. 11-09-2012  What's Special - Free lifetime upgrade, dynamic disk recoveryBesides all the basic functions, the professional edition adds on new features like free upgrading supported if new version released. It is especially useful when your computer encounters system/disk crashes and you need to reinstall iCare Data Recovery. And it could efficiently retrieve lost files from dynamic disk.What's more? It could recover files from formatted drive, RAW file system, drive has not formatted error, RAW drive, undelete files emptied recycle bin, recover files due to partition lost, system crash, software crash, bad boot sector, missing boot sector, bad MBR, $MFT damaged, lost partition table, lost or damaged FAT, virus infections, power failure, and other unknown data loss...iCare Data Recovery Professional works perfectly with hardware RAID and hard drive, USB drive, SD card, memory card, etc. It provides the comprehensive data recovery solution for computer users.Key Features of iCare Data Recovery Professional Recover files from formatted partition, memory card, external drive, USB drive, sd card...
Recover 2TB disk
drive not formatted error and report RAW file system
Recover MAC files on Windows
Free lifetime upgrade once new edition released
Recover data when lost due to resize partition, merge partition, copy partition failure by PartitionMagic, Partition Manager...
It could restore photos, office files, zip files, rar files, emails, pdf files, etc.
Reformatted sd card, xd card, cf card, pen stick, memory card...
System cannot boot, cannot locate the boot partition, I/O error
external drive, memory card, cf card cannot be detected or recognized...
Virus attack and lost files
Bad boot sector, bad partition table, damaged FAT, lost File Allocation Table...
Recover files from FAT, NTFS partitions
Recover files from devices with unknown file systems including Hard Disk, external ZIP/USB drive, removable SmartMedia, MemoryStick, SD cards, etc.
Partition structures are damaged or deleted...

TOKYOSuzuki Motor Corp. said it would stop selling cars in the U.S., ending nearly three decades of sales in the world's second-biggest auto market after China as the yen's strength and a limited, compact-car-focused lineup have made it difficult to profit with such low sales. Link
I figured I would post this as there are a few scenarios where some members might be able to turn this into an opportunity. 1) Dealers will liquidate cars which may potentially create some hot deals on new cars2) Often when a car manufacturer leaves a market(such a Pontiac) the used car market depreciates too much relative to the intrinsic value of the car. This is because people don't want to be associated with a failed brand for status reasons and there are fears(often irrational) that used parts won't be available creating an opportunity to buy used cars at great prices. I suspect Suzuki will continue to make parts but that would be worth looking into. 3) If you currently own a Suzuki and think resale value will fall perhaps you can sell it before the market reacts.

Hi All
I live in Lower Manhattan. As a result of the hurricane, I haven't had power for several days. 2 days ago, I caught a bus and went to DC to stay in a hotel with power. I am wondering:1) Can I write off the bus tix I purchased to go to DC to escape the lack of power?2) Can I write off the hotel I bought in DC?3) Can I diminish the ungodly amount of money I pay in rent per month given that the house lacked habitability for the last several days?4) Can I recoup the spoiled food losses from the Con-Ed due to their failure to supply?5) Are there any other write-offs I might be able to take advantage of? E.g. I sent more money on cabs then usual and spent more money on flashlights then ever before.Thanks in advance, and I bet you all say no.

About a month ago, I found out my storage unit flooded due to rain together with 3 other units that were empty. Damaged was assessed at around 2K. A visual inspection of the unit lead me to believe that the water came in from the roof, due to rain.This well-known storage unit denied my claim on the basis that I failed to opt in for their optional insurance coverage. When I rented the unit, I was asked the approximate value of all my items but was never offered one. Do I have any recourse against the storage company? I mean, aren't they suppose to provide a unit in good structural condition and aren't they suppose to have their own insurance against situations like the one I am facing? If I am at fault, I guess it will be lesson learned. I wonder if anyone else has had the same problem in the past.

We are purchasing a new home that would be ready in January '14. We put down 10% ($65K approx)and are going to finance the remaining balance. The lender is offering us $10K discount towards upfront PMI for the life of the loan. That is, we are supposed to pay $10K towards a onetime PMI for as long as we have the loan and the lender is giving us a discount of $10K. So basically the PMI is not coming out of our pocket. The lender will still give us the $10K discount if we put 20% down. In order to get the most out of the discount the lender is offering, I wanted to liquidate some Traditional IRAs and Roth IRAs that we have in order to put 20% down. Which means I will need to liquidate enough stocks that can bring in another $65K? The plan is to pay back all the money from retirement back in 60 days without incurring fees and taxes. And this is how I plan to do it: 1. Finance 2012 car worth approx. 30K (when brand new). We've had it for about 6 months and own it out right. Hoping to get about $20K @ about 3% rate.
2. Finance another 2007 car we own out right. Hope to get about $10K
3. We should be able to get between 15K to 20K from our salaries.
4. Borrow the rest of the money ($15K) as personal loans.We hope to pay off all of these (car loans and personal loans) in about 6 months. Assuming all of our borrowings cost us 3K in interest rates, it appears we will come out on top rather than applying the $10K discount to PMI. In my mind, I don't see any downside to this plan besides:1. If we fail to pay off the money from retirement, we will be forced to pay penalties and taxes and we understand the risk.
2. Since we are liquidating stocks in the process, we will likely be losing out on any gains from the market.Besides the problems above, are there any other issues we should consider? By the way, we are moving to a better school district for our kids and we've already signed the contract so we probably can go back on our decision.

2 Posted By: FatWalletTopDeals
Views: 1822 Replies: 9

Free 20-page 8"x11" photo book and 100 free 4"x6" prints with New Account @ Snapfish - Free

Expires On: Oct 31, 2012 11:59pm

Offer applies to new customers only.Must upload photos to your album after registration to receive both 8 x 11 custom cover photo book and 4 x 6 prints to receive the products for free.Offer excludes Photo Book Design Service, Disney, Nickelodeon, Warner Bros., Dr. Seuss, and Sesame Street themed products.
Coupon expires at 11:59 p.m. PT on October 31, 2012, while supplies last.Only one coupon or promotion can be applied per order, and either one account credit or one promo code can be applied per item. Existing credits are honored first.Offer applies to mail-order purchases only and cannot be used for in-store pick up. All taxes and shipping fees apply.Offer valid for one customer only. Not valid for multiple accounts. Snapfish may, in its sole discretion, terminate your Membership (or any part thereof) or your use of the Service, and remove and discard any Content at any time, without notice, for any reason, including: (i) conduct that violates these Terms or other policies or guidelines set forth by Snapfish elsewhere within the Service, or (ii) conduct Snapfish believes is harmful to other Snapfish users, the business of Snapfish, or HP Affiliates, or (iii) failure to maintain Active Participation in the Service. Snapfish will not be liable to you or any third-party for any termination of your access to the Service.Offer valid for U.S. customers only.
(FatWallet Deal Hunter staff posts are certified ad-free. No money, bribes, or candy have been accepted.)
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Did a search but didn't see this posted.LinkyCoupon code = MLCKQ31UNL1Ordered one for my father who is getting on in his years. His eyesight isn't that great even with his spectacles, and he suffers from insomnia. This should help his emails show up a little more coherently.Great deal for everyone? No. It is a no name brand, and the deal from yesterday on the Logitec g105 was a much better deal on a backlit keyboard (mechanical keyboard no less!). This does have a much larger font for those with failing vision, and its active today. So take it for what it is.<Edit> Had a hard time stealing a pic from Meritline, follow the link. This is one of those keyboards with the annoyingly small backspace key.
Meritline Coupons

0 Posted By: FatWalletTopDeals
Views: 731 Replies: 2

Free 20-page 8"x11" photo book and 100 free 4"x6" prints with New Account @ Snapfish - Free

Expires On: Oct 31, 2012 11:59pm

Offer applies to new customers only.Must upload photos to your album after registration to receive both 8 x 11 custom cover photo book and 4 x 6 prints to receive the products for free.Offer excludes Photo Book Design Service, Disney, Nickelodeon, Warner Bros., Dr. Seuss, and Sesame Street themed products.
Coupon expires at 11:59 p.m. PT on October 31, 2012, while supplies last.Only one coupon or promotion can be applied per order, and either one account credit or one promo code can be applied per item. Existing credits are honored first.Offer applies to mail-order purchases only and cannot be used for in-store pick up. All taxes and shipping fees apply.Offer valid for one customer only. Not valid for multiple accounts. Snapfish may, in its sole discretion, terminate your Membership (or any part thereof) or your use of the Service, and remove and discard any Content at any time, without notice, for any reason, including: (i) conduct that violates these Terms or other policies or guidelines set forth by Snapfish elsewhere within the Service, or (ii) conduct Snapfish believes is harmful to other Snapfish users, the business of Snapfish, or HP Affiliates, or (iii) failure to maintain Active Participation in the Service. Snapfish will not be liable to you or any third-party for any termination of your access to the Service.Offer valid for U.S. customers only.
(FatWallet Deal Hunter staff posts are certified ad-free. No money, bribes, or candy have been accepted.)
Snapfish Coupons

I was trying to refinance my primary home mortgage back in July 2012. Things were going well until the deal went south because the lender required the original note from my secondary mortgage company to "re-subjugate" the second mortgage. I've been waiting over 2 months and they still cannot produce the note. I am considering finding a lawyer to get this mess straightened out. Has anything like this happened to anyone else? If it's relevant, this is in Ohio.

This week Buffet gave an interview on investing where he gave a nugget of wisdom that I hadn't thought of before or considered. He said to invest in companies that you "like" for the reason of you wanting to be part-owner of that business so during stock market declines, you wouldn't consider selling (low) and locking in a loss.He specifically is talking in reference to the Euro crisis dragging the entire stock market down. Basically he says, if you owned a small profitable restaurant, you wouldn't care about problems in Europe and wouldn't consider selling your stake in this profitable local business for problems on the other side of the world that don't impact you.I like this mindset and it will help me sleep better at night. Rather than throw all of my money into the blind index, I've picked and chosen a dozen or so good companies that I want to be part owners in. For example, there's a local fast food chain that I see has been doing incredibly well and they are publicly traded. Now when I wait in line 20 minutes to get food, I feel "good" about it because I am a part owner, rather than feeling pissed off that I'm wasting time.It would be ridiculous for me to put a large portion of my investments into a single local fast food chain, but if I wind up picking 20 to 30 stocks in different sectors, and each one is about 0.5% to 1% of my total portfolio, my risk is minimized.I get an additional benefit of knowing that I'm not forcefully having my money being put into garbage IPOs like Facebook. I don't think a single person on FWF thought FB would actually go up. It was clearly overpriced, and possibly in the short term it might have spiked 30%, but in the intermediate or long-term, it's going to drop to $0 because ALL social networking sites eventually fail (historically). It has to happen. The company is forced to do things to commercialize the business, and users will get pissed that they are not the customer, but the product, and say screw this and delete their account. This isn't a discussion against FB as much as it is the example that by picking and choosing individual stocks, I don't have to worry that any portion of my money is going into crap that I don't want it to.There's going to be trading fees involved that will raise the costs above a 0.6% expense ratio ETF index fund. However, there's no need to sell these companies or rebalance on any regular basis. You can take new money and invest it in a totally new company, or temporarily put new money into an index mutual fund until you get enough to justify the brokerage fee for a stock trade. So you wind up with 50 or 60 good companies after a few years if every $2k to $3k you buy a new stock that you like. If you invested in several smaller local businesses, or started your own several group of businesses, you wouldn't feel bad about having too many if they were all good, provided the logistical administrative overhead wasn't bad.If you take the time to read the 10Ks you will get to learn more about these companies too and feel closer to your investment. If you invested in a local restaurant, you could walk in and talk to the manager or look at the ledger. Well if you invest in a publicly traded company, read the damn 10Ks. I had no idea that my restaurant chain I wanted to invest in had tried to expand into a new state, and recently divested its interests. Now I know.As long as you hit 30 different stocks you get good diversification benefit according to financial theory. I don't know the numbers offhand but investing in 30 different companies gives you like 80% of the diversification safety that investing in 5,000 companies brings. There's diminishing returns so there's no real need to invest in all 5,000 publicly traded US companies in a total stock market fund in order to reduce risk.You get the "Benefit" of a bit of a dopamine rush when you check your stocks at the end of the day. Did you beat the market? Congrats! It's possible. Did you underperform? Oh well, not a big deal as long as you didn't underperform too much.While I do believe in efficient market hypothesis for the most part, I'm starting to believe owning a basket of diversified individual stocks can make a lot of sense, provided you perform due diligence, diversify within different sectors (i.e. don't invest in 30 different IT companies and feel diversified), and buy and HOLD and don't sell on panic. You've picked the companies because they were good. There's a time to sell and there's a time to hold. KNOW IT.

I had a $270 negative account on my credit report from VA RU CREDIT CORPORATION (a collection agency)for missing my ConEdison electric bill when I moved.
The collection was there for about a year and a half.
I recently got a letter from I.C. SYSTEM, INC. (another collection agency) with the following message:Collection Agency Letter said: October 2, 2012 RE: Con Edison Principal Due: $270.84 $.00 has been paid since placement Dear Fefferkorn: Your delinquent account has been turned over to this collection agency. You are hereby notified that I.C. System will forward the account information to the national credit reporting agencies in your creditors name if you fail to fulfill the terms of your credit obligations. Of course, you will have the right then, as you do now, to inspect your credit file in accordance with federal law. I.C. System will not submit the account information to the national credit reporting agencies until the expiration of the time period described in the notice below. Tear off bottom portion of this letter and return it with your payment. If you would like to make a payment arrangement, or settle your account for 50% of the balance, please call us at 866/389-2027. If you choose to settle your account for 50% of the balance, Con Edison will update your credit record that you paid the account in full. We are a debt collector attempting to collect a debt and any information obtained will be used for that purpose. Sincerely, Beth Brown Manager NOTICE Unless you notify this office within 30 days after receiving this notice that you dispute the validity of this debt or any portion thereof, this office will assume this debt is valid. Etc..etc..Needless to say, I went ahead and checked all 3 of my credit reports (via Citi Identity Monitor) and the negative mark is GONE from all three bureaus! There is NOTHING under "Collection Items".
My goal here is to put this behind me and making sure it NEVER comes back to haunt me. Even if it means paying the whole thing in full.
I've had an, otherwise, impeccable Credit report and score since the beginning and I'm on top of my game always paying on time etc.
Can someone please advise me as to how to proceed?
Do I contact the CA by phone?
If I pay them can they still report me negatively?
Should I pay in full and not try to negotiate a lower price?
Can I demand a letter from them promising not to report me?
What's the best form of payment when paying a CA?Thanks in advance to anyone who can help me here.

Ask the Right Questions in the Right Ways...And Get the Answers You Need to Succeed! Discover the core questions that every manager needs to master...how to avoid the mistakes business questioners make most often...ten simple rules for asking every question more effectively. Learn how to ask tough questions and take control of tough situations...use questions to promote innovation, drive change, identify hidden problems, and get failing projects back on track. http://www.amazon.com/The-Art-Asking-Questions-ebook/dp/B004M18N... Ask better questions, get better answers, achieve better results! Required reading for every leader who wishes to see his or herorganization flourish and career progress.Garry A. Neil, MD, Corporate Vice President, Johnson & Johnson Asking, listening, understanding the real meaning of the answers, and taking actions based on facts are really the essence of managing. This book has helped me in connecting the dots in my understanding (and lack thereof) of why things really did not work the way I expected them to
Amazon Coupons

the north face Vortex Triclimate Jacket $169.95 FS @ usoutdoorhttp://www.usoutdoor.com/deal/The Mens Vortex TriClimate Jacket thrives in the spinning, often dizzying conditions that send most individuals running for shelter. This three-in-one jacket from the north face combines the comforts of a removable, zip-in insulated liner with a waterproof, breathable, and fully seam sealed HyVent 2L foxfaille fabric for TriClimate coverage. Versatility, comfort, and traditional styling is the name of the Vortex game; cold, non precipitous days warrant a solo insulated liner mission while balmy, wet conditions give way to the waterproof outer shell; combine the two and destroy inclement weather entirely. Take on winters worst conditions! As host to a plethora of technical features, such as: adjustable, detachable hood, core zip-vents, zip-in compatibilities, hook-and-loop adjustable cuffs, powder skirt with pant-a-locks, internal media security pocket, and wrist accessory pocket with goggle cloth, the north face Vortex TriClimate Jacket brings the whirling weather to a stand still and provides stowage for all your essentials.

1 free 11x14 print or 2 free 8x10 prints  
Offer is for one free 11x14 print or two free 8x10 prints for Shutterfly customers only. Customers must choose only one of the two offers. Offer is valid on one qualifying order placed by October 22, 2012 (11:59 PM) Pacific Standard Time and limited to one 11x14 print or two free 8x10 prints per billing address. To receive these, customer must place an order for one 11x14 print or two 8x10 prints, enter the reward code at checkout, and select the appropriate discount in order for offer to apply. Taxes, shipping and handling will apply. Other products are not valid with this offer. Customers may order additional products in the same order at their own expense. The itemized discount will be shown on the Review Order page prior to checkout. No minimum purchase requirement applies. Offer value may not be transferred or redeemed for any value other than stated. Offer or offer value may not be applied to other products. This discount only applies to orders placed after signing in to a Shutterfly account through www.shutterfly.com. Orders placed through Shutterfly Pro Galleries, Microsoft's Online Print Wizard, and anonymous orders placed through Shutterfly's online share system are not eligible for the discount.
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Create a new photo account.
An email with instructions will be sent to the new account.
Applicable to new photo accounts onlyhttps://www2.walmart.com/subflow/YourAccountLoginContext/2255731...If like fails, it's the 3rd offer down on the left on this page http://photos1.walmart.com/walmart/storepage/storePageId=Special...

So there are alot of failures on my part with this - i know. let's skip all that "you should have been more active etc"So my dad and I have a strained relationship. he is an insurance salesman, but also my dad. He advised a whole life policy from Allstate (who he worked for). I invested 1200 a year for 4 years. Cash value today is 4500.He starts working with NY Life and tells me the allstate policy is crap we need to move our policy over.I didnt read/realize the cash surrender value is half the cash value.So he sets up the new policy, cashes out the old, and now i'm out 2k on each policy for me and wifey.F that. Seriously. Again, we have a strained relationship so 4 years ago I'm like whatever as long as i can invest and its whole life (i have no idea but i heard) lets do this. he's saying now something about the poor quality of the policy and i'd lose the money by the time i'm older anyway.should i just get term and invest the rest in cocaine so i at least have fun before i'm out money or is whole life really good and is there a specific policy type i should be looking for?i guess the questions are: are there good whole life policies for youngings? if i've got a bunch of money from owning businesses and i'm constantly investing in new successful ventures, do I really need to invest in whole life too?

I'm thinking we'll get another 4 years with our same pres. No judgments or political statements - save that for facebook. Purely discuss what stocks will do good or bad depending on who wins in November.While I am a fan of efficient market hypothesis, I believe unknown outcomes are built in. For example let's say there's a good chance earnings for Company X will increase at their quarterly announcement tomorrow. 80% chance to increase and 20% chance to decrease. Well the stock price has those odds built in. So if the earnings increased, there's still a boost to the stock price because the 20% chance of failure was baked into the price, artificially reducing it a little bit.Same with election. The odds might be 55%/45% one way or the other (I know they are close odds) but whomever wins will cause some price shifts and possibly big ones because precisely that it's a close race so the odds of the alternate are baked in significantly.Again please keep this non political, just ideas on how to profit.HEALTHCARE STOCKS
Specifically hospitals like HCA and Tenet will benefit from a D-victory. The Ds will use federal money to reimburse for more indigent care (i.e. poor people who don't pay their bill). The Rs will cut that.GUN STOCKS
The only 3 publicly traded ones that I know of are Ruger (RGR) Smith and Wesson (SWHC) and Olin (OLN). Olin owns Winchester who makes ammo. Back in 2008 there was a run on ammo because people thought the Ds would ban/restrict it if they took the house. While the Ds didn't make much new anti-gun legislation federally, there's still a sentiment that they might, especially in term 2 since a 3rd term isn't possible, he's not worried about the NRA.That said, OLN's profits only come 29% from ammo and 71% from salt and chlorine. I read the 10K today and found that out. So it might not be as pure of a play.SWHC and RGR are up at huge highs, because of the fear Ds will win and pass new anti-gun legislation, causing a run on the gun market. The problem is that these stocks are already so inflated, I can't see myself thinking they will go much higher but it's worth discussing.
DEFENSE CONTRACTORS
The fear that Ds will win a second term and cut war spending is likely overblown. I believe their stock prices may have too much fear baked in, and regardless of who wins, they may go up. Probably go up significantly with an R win, but also a bit over time with a D win. Here I'm looking at Raytheon, Northup Gruman, Lockheed Martin, L3, etc.INFLATION RELATED STOCKS
If the Ds win, we'll likely have QE Infinity Plus 1 which at some point will trigger inflation. This might be worth a precious metals play although typically gold responds to fear of inflation so it's already likely baked in.However there's some other stocks that do well inflation. Look at Paychex - they do payroll for businesses. As interest rates rise, they get to keep the float (i.e. business pays them the money, and paychex sends out the paychecks, and PayChex keeps any float and profits off it)While not necessarily paired with inflation perse, look at what happens when oil prices rise. Back in the mid 2000s, tanker stocks like Frontline were making 30% per year because people who hedged oil were paying them to store oil in their tanker ships because they couldn't take possession of the oil yet, but couldn't risk the price of oil going up more.As oil goes up, what happens to companies like UPS, FedEx, American Airlines? I haven't done the due diligence, but maybe one of these companies is heavily hedged with oil futures relative to other similar companies, and thus would outperform their peers as oil rises. Or maybe they all go down because it drives up the price of airfare and shipping respectively and people stop using those services.REPUBLIC WIN
I don't want this post to just be about if the Ds win because there's people here would who like the opposite bet. So what happens if Rs win?
I'd suggest if you use index funds to tilt towards large cap stocks. Rs tend to pass laws that benefit huge companies, because that's where their lobbyist money comes from. The Ds get a lot of funding from large Unions and the Rs get funding from big corporations (of course the Ds also get money from corps, but not as much as the Rs).I'll give an example - several recent banking laws passed to help "strengthen" our financial system in response to the housing crisis were hugely beneficial to large banks. The small banks couldn't comply with new regulations and were gobbled up by bigger banks at huge discounts.Laws like SOX benefit huge companies because of the enormous fees involved in abiding by the regulations. The reduction in IPOs of the last decade can be attributed largely to SOX because it's $10M for a company to pay consultants to handle that paperwork so any company IPOing at less than $100M is basically out of luck because too large of a chunk of their IPO would be wasted towards complying with regulations (i.e. can't do a $20M IPO if half is going to accountants and lawyers). Of course the economy has sucked too, also reducing IPOs but SOX is also a main factor.Thus, if you're indexing, instead of using total stock market, perhaps you shift to SP500 or DJIA stocks only. Perhaps you use a Nasdaq 100 stock rather than a full Nasdaq stock.I'm sure I'm leaving a lot out of this post and there's people on this forum a lot smarter than me. Use this as a starting point. If my ideas suck, tell me why and back it up. If you have different ideas, post them too. Let's all profit from this election.

Short Story:
-rented a car, waived the insurance, paid with AMEX (secondary protection)
-totalled the car in CA, let my insurance and AMEX handle the claim, but the car rental co was not very cooperative
-9 months passed, during which my insurance and AMEX were making partial payments (b/c autorental could not prove or fail to submit detailed documentation)
-apparently autorental hired a law office to "speed up" the process which billed me directly w/o explaining what for (after back and forth with my intermediation all damages were covered)
-law office added $150 fee which they did not give good explanation and therefore unpaid by my insurance and AMEX
-now they threaten me with legal action and debt collection (they say it is past due but i never agreed to the fee or terms)plan of action?
fight: a matter of principle since I did not hire them? potential gain if i go codename47 on them?
or just pay: $150 is not a lot of money for me, but opportunity cost (credit card sigh up bonuses) could be much higher while my credit report is "messed up"Thank you

Consider the following:1) Efficient Market Hypothesis - everyone else knows all the same information you know about publicly traded companies. Oh you just read Apple is releasing a Mini IPad soon and they are going to increase earnings? Everyone else already knows... and many probably knew before you, and the current stock price already reflects that expectation.2) You're not an expert. If you were, you wouldn't be reading FWF for stock picking advice. You'd be talking to your team of PhD Statisticians who are running proprietary software.3) You're trading with someone else who is on the opposite and inverse side of that trade. Zero sum game within an individual trade. In order for you to make money, someone else has to have lost money. For example, if you buy a stock and it goes up 10%, then the other person lost the opportunity to earn that 10%. If it goes down 10%, then the other person "made" 10% that he would have lost if he didn't sell it to you. Since you're not the expert, you're probably trading with the expert. Consider that.4) Even the experts fail to beat the market index more than 80% of the time, when you factor in expenses, which you need to do.5) The value of your time should not be ignored. If you spend a few hours a week reading through 10Ks (which you should be doing if you're stock picking, unless you're picking stocks based on which letters you like in a ticker symbol), then there's lost opportunity cost. You could have been earning $30/hour working overtime at work. So when you calculate your gains, subtract out the opportunity cost of your time and effort.6) You have to pay short-term capital gains tax at your marginal income tax rate if you're doing this with taxable money. If you're doing it within your tax-advantaged retirement accounts, then god help you if you fail and have to rely on Social Security. Assuming it's taxable money, the government is going to take a large chunk of any gains you have, but on the flip side, limits your ability to deduct your losses. Compared to a buy and hold index investing strategy where you pay long-term preferred capital gains rates, and this is an additional expense that must be considered.Thus, the question is: are you making money by stock picking, on an after-tax basis, on an after-opportunity-cost-of-your-time basis?Perhaps the answer is yes. If so, please share. Regardless of the answer to this question, on a risk-adjusted basis, you are losing money. If you stock pick, you are not getting an adequate return relative to the level of risk you are assuming.

Product: Seagate Barracuda Green 2tb 5900rpm 64MB Internal 3.5" Hard Drive HDD SATA 6.0Gb/s
Model: ST2000DL003
Retailer: Newegg.com
Price: $94.99 with free s&h Click here for link to product listing at Newegg.Advertised in this morning's Newegg email ad. I'm not sure how long the sale lasts. This is a solid price for any 2tb drive and is the cheapest I've seen in the last several weeks I've been looking. Alternative includes the WD Green 2tb which has been $99.99 lately but has reports that the current drives shipping aren't as originally manufactured/reviewed and are louder, likely less energy efficient (larger # of platters than originally designed & higher fail rates. Disclaimer: I have nothing against WD - I've had a 2tb WD Green in my WHS Server for well over a year).
Most obvious con of the Seagate is the 1-year warranty.
Newegg Coupons

the north face Paramount Valley Convertible Pants - Women's $39.95 @ usoutdoorhttp://www.usoutdoor.com/deal/FS on $40+
Fabrics/Materials: 165 g/m 100% nylon faille (bluesign approved fabric)
Inseam: 30" (short), 32" (regular), 34" (long)
Type of Waterproofing: Durable water-repellent (DWR) finish
Sun Protection: (UPF) 30
Weight: 430 g (15.2 oz)
Pockets: Front flap cargo pockets, Two secure Velcro pockets on the back
Roll-up leg feature: Elastic on back belt-lops for zip off leg storage
Pant converts to 6" short

I'm trying to sell my house and lease/purchase seems the only way to do this now. My potential lessee has just filed for bankruptcy due to a failed real estate business that he participated in pre-2008. My concern is his potential to complete the contract and/or somehow roll his debt to me into the bankruptcy. How can I protect myself when entering into this contract?

So we are trying to buy a house - long story short:
Current owner had listed as FSBO and we agreed to a sales price and entered into contract. Turns out he owes 30k more than he thought and he doesn't have the money so we begin short sale process through the bank (Citi). Because we had already sold our house the current owner agreed to a 90 day lease while we work through the short sale (i have spoke with him and he has no problem extending the lease as long as we want (probably because he going to pocket the rent $ since he's not making payments, but that's a story for another day) No problems thus far with Citi, but I am trying to get my strategy setup. They haven't said one way or the other how they like our offer. But they initially are insisting the house be listed on the MLS before anything happens. First realtor came out for a BPO last week, but haven't heard their price/thoughtsMy questions:
I don't want to list on the MLS and/or get into any kind of bidding war with new buyers. Does our previous contract with homeowner offer any protections or is it useless?
Does our position as renters help as we could go and say sign a 1 year lease which would prevent the bank from selling to anyone else(at least for a year short of a foreclosure)
Could we also just refuse any showing to prevent people from looking at it? (There is no terminology in our current lease about having to give showings or move if property is sold)The numbers as FYI:
Tax value is $425K
Payoff is ~395K
Our original appraisal was at $391K (appraisal didn't talk about the problems with the house, but did seem to take into account that nothing has been updated since the house built in the mid-80s)
We agreed with current owner at $370K
My estimate on the after repair value is somewhere between $430-$440k, but needs 40-50K in repairs (septic is failing, I've counted 24 cracks from foundation shifting, has active termites, and all the HVAC in the attic has disintergrated (mid-80s gray flex lines, just to name a few things) The 370K is a decent deal, but not great as the house as needs lots of work, but we love everything else about it and plan to say for a long time.

Corsair 240GB SSDReceive a $20 prepaid card by mail from Corsair! Expires on 10/9/12 Current lowest price that I could find. I bought the 120GB version for more 6 momths ago. Never failed on me.Performance:
Max Sequential Read
Up to 555MB/s
Max Sequential Write
Up to 525MB/s
4KB Random Write
Up to 85,000 IOPS
MTBF
2,000,000 hoursFeatures:SATA 6Gb/s (SATA 3) connectivityHigh performance SandForce SF-2200 SSD controllerNative TRIM support (O/S support required)RAID SupportBGC (Background Garbage Collection)Increased reliability and quieter operation over standard hard disk drivesSignificantly lower power usage than traditional hard drives for increased notebook battery life2.5" form factor for your portable computer needsIncluded 2.5" to 3.5" bracket for installation on your desktop computer
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AMEX has to pay $85 million back to customers who were-- were offered $300 for signing up for the Blue Sky credit card (I think that includes me...)
-- charged late fees based on a percentage of the debt
-- discriminated based on age
-- failed to report disputes to credit bureaus
-- gave incorrect info about debt collectionMore details here:http://www.consumerfinance.gov/pressreleases/cfpb-orders-america...

The first 50,000 Club Carlson members to register for the Radisson 1 for 1 promotion will be eligible for a Free Night Award at any Radisson or Radisson Blu hotel in the US, Canada or Caribbean.
Must book by October 31st and complete stay by December 31st. You will be credited with free night approximately two weeks after qualifying stay.LINK
Terms and Conditions
The Radisson 1 for 1 Promotion ("Promotion") is available only to Club Carlson members. To be eligible for the Promotion, members must register online for the Promotion ("Promotion Registration"), book their Qualifying Stay online at either www.radisson.com or www.clubcarlson.com between October 1, 2012 and October 31, 2012, provide their Club Carlson member number at the time of reservation or check-in of the Qualifying Stay, and then complete the Qualifying Stay at any Radisson Blu or Radisson hotel in the US, Canada or Caribbean ("Participating Hotels"). A "Qualifying Stay" is defined as a minimum one-night stay at a Participating Hotel on a Gold Point eligible rate with a check-in date on or after October 1, 2012 and check out date no later than December 31, 2012. Guest must be present at the Participating Hotel at both the time of check-in and check-out, enrolled in Club Carlson at or before the time of check-in, and registered in the Promotion no later than the time of check-out. The first 50,000 guests who complete the Promotion Registration will be eligible to receive a Free Night Award after booking online at www.radisson.com or www.clubcarlson.com and after the completion of a Qualifying Stay. Only one Club Carlson member account will be credited for a Qualifying Stay and corresponding Free Night Award, if applicable. Limit one Free Night Award per member. It will take up to14 business days after completion of the Qualifying Stay to receive the Free Night Award. Free Night Award is valid for one nights stay at any Participating Hotel, inclusive of room rate and taxes. Free Night Award may be booked online for standard rooms (single or double occupancy) only after the member logs in to their Club Carlson account and are valid for stays completed by December 31, 2013. Free Night Award does not include incidental charges such as resort fees, room service and room entertainment. Free Night Award is nontransferable and has no cash value. If member wishes to book a stay for more than one night, member may redeem available Gold Points for the additional night(s), or, if member does not have sufficient Gold Points to redeem the additional night(s), member must book two separate reservations: one redeeming the Free Night Award, the other at a regular nightly rate. The Promotion and Gold Points are subject to all Club Carlson Program Terms and Conditions. Promotion void where prohibited by law. Radisson reserves the right to add, modify or discontinue these terms and conditions or the Promotion at any time without notice. Radisson is not responsible for any technical failures, internet accessibility problems, incomplete or inaccurate registration information, or other errors of any kind that may affect your Promotion Registration. By participating in this Promotion, you agree and consent to these terms and conditions.

Taken from an email I received today:
HP
Trade in. Cash out. Print better.

Get a new HP printer and get up to $150 back for your old one.
This is the FALL 2012 offer. Link includes summer offer which purchase date is over.

Scroll down a few articles: web version of the email I receivedTRADE IN SCHEDULE.
It appears to be a purchase CashBack plus trade-in offer.Trade in form link
from FAQ: How long does the HP Trade-In and Save promotion run?
Between August 1, 2012 and October 31, 2012, to take advantage of this offer, complete the trade-in on-line claim form, and provide proof of purchase, UPC code of the new printer(s),and trade-in an old desktop laser / ink printer for recycling. Purchases and invoices dated prior to or after this timeframe will not be eligible for this promotion. Your claim must be submitted within 45 days of purchase invoice date or December 15, 2012, whichever occurs sooner. ==============YMMV - read the terms and conditions as I think I see a possibility of more, but fail to understand the requirements for more $$$

Highlights:
plug-and-play XM satellite radio
swiveling, flexible stalk plugs into vehicle's power port
includes magnetic roof-mount antenna, FM transmitter, and aux input cable
5 presets
2-line LCD display shows artist, song, and channel info
dimensions: 2-3/4"W x 3-3/16"H x 1-5/8"D
warranty: 90 dayshttp://www.crutchfield.com/S-N6KuxqFPlrm/p_220XSN1V1/XM-Snap.htm...offer details Track your rebate Customer Service

promotion Details - Step 1 of 5Product: Sirius or XM Radio Promotion: Purchase any Sirius, XM or SiriusXM Satellite Radio at Participating Retailers and Activate with a Select or Greater Subscription Package and Be Eligible for a $50 SiriusXM Visa Prepaid CardValid Purchase Dates: 04-29-2012 through 12-31-2012Postmarked By: 01-30-2013Rebate Reward: $50.00 Prepaid Debit CardRequired Product: Sirius or XM RadioPromotion Details: Purchase and activate an eligible satellite radio, from 4/29/12 to 12/31/12, with a Select or greater recurring subscription package and receive a $50 SiriusXM Visa Prepaid Card. Who May Redeem? You must be at least 18, a resident of the 48 contiguous USA or D.C. (or PR for Sirius only); submit a valid credit card (may be combined with a SiriusXM prepaid service card) at time of activation; and maintain uninterrupted service for at least 60 days. Service will automatically renew and bill at then-current rates until you call us at 1-866-635-2349 to cancel. See our Customer Agreement for complete terms at www.siriusxm.com. Fees and taxes apply. How To Redeem? Visit www.siriusxmrewards.com, go to Offer Details page and follow steps on or before 1/30/13. Or mail the following, postmarked by 1/30/13, to the address on the Official Rebate form: (1) A completed rebate form; and (2) copy of purchase receipt to SiriusXM Rebate Processing, Offer# 12-79346, PO Box 540035, El Paso, TX 88554-0035. Limit 1 rebate per radio 3 per address. We are not responsible for lost or delayed mail, or for Internet submissions which are incomplete, inaccurate, delayed or have failed. Eligibility / Continuing Conditions: This offer cannot be combined with any other. Offer not valid on pre-owned radios, or on radios or tuners that replace an existing radio or tuner on an account. Purchases from Amazon.com, Best Buy, BestBuy.com, shop.sirius.com, shop.siriusxm.com, CarMax, CarMax.com, HSN, HSN.com, QVC, QVC.com, Radio Shack, RadioShack.com, Wal-Mart.com and Wal-Mart store locations are not eligible for this offer. How Long Will It Take? If the necessary information has been submitted by 1/30/13, we will verify that your subscription has been activated and that the account is active and in good standing for 60 days. Your Visa prepaid card will be mailed to the name and address on the rebate form within 8-10 weeks after verification. If your Visa prepaid card is not received within 8 weeks after submission is received, check status online at www.siriusxmrewards.com or call 1-866-430-5192. Card Details: Use your card everywhere Visa debit cards are accepted. Your SiriusXM Visa Prepaid Card cannot be redeemed for cash at an ATM, is not refillable, returnable, or refundable. Use your card soon after activation because your card is subject to a Card Account Maintenance Fee, applied each month after six months, until the balance of the card account is $0.00. See your new SiriusXM Visa Prepaid Card Cardholder Agreement for further details. SiriusXM Visa Prepaid Card is issued by MetaBank, member FDIC, pursuant to a license from Visa U.S.A. Inc. 2012 Sirius XM Radio Inc. Sirius, XM and all related marks and logos are trademarks of Sirius XM Radio Inc. All other marks, channel names and logos are the property of their respective owners. All rights reserved.
Crutchfield Coupons

http://www.amazon.com/dp/B0031QHHH4The Me I Want to Be by John Ortberg---the bestselling author of When the Game Is Over, It All Goes Back in the Box; God Is Closer Than You Think; and The Life You've Always Wanted---will help you discover spiritual vitality like never before as you learn to 'live in the flow of the spirit.'But if God has a perfect vision for your life, why does spiritual growth seem so difficult? John Ortberg has some intriguing answers to that question, and he has organized his thoughts and God's words into a straightforward and timely guide for living your best life in The Me I Want to Be.This book will show how God's perfect vision for you starts with a powerful promise. All those who trust in God 'will be like a tree planted by the water that sends out its roots by the stream. It does not fear when heat comes; its leaves are always green. It has no worries in a year of drought and never fails to bear fruit' (Jeremiah 17:7-8).Ortberg urges you to recognize your brokenness, understand that God is the project manager, and follow His directions. The author first helps gauge your spiritual health and measure the gap between where you are now and where God intends you to be. Then he provides detailed tasks and exercises to help you live in the flow of the Spirit, circumventing real-world barriers---pain and sorrow, temptations, self-doubt, sin---to flourish even in a dark and broken world. As you start living in the flow, you will feel:--- a deeper connection with God--- a growing sense of joy--- an honest recognition of your brokenness--- less fear, more trust--- a growing sense of being 'rooted in love'--- a deeper sense of purposeGod invites you to join Him in crafting an
Amazon Coupons

Why do otherwise brilliant and successful leaders fail and often do so dramatically? How can you prevent your own career train wreck by learning from their experiences? This book distills the core causes of executive failure, demonstrates how to identify them in your own behavior and helps you to eliminate or avoid them. Bill Lane, Jack Welchs long-time colleague draws on his own experience as a GE insider as well as from extensive interviews with former GE executives now running their own companies, including Dave Calhoun (CEO, Nielsen); Jim McNerney (CEO, Boeing); Lloyd Trotter (retired Vice-Chairman of GE), Frank Doyle (ex-Executive VP at GE), Kip Condron (ex-CEO, Americas, AXA Equitable); Andrew McMahon (President, AXA Equitable), and many others. Together with these elite executives, Lane demonstrates how to avoid arrogance, recognize when you must micromanage, learn how to communicate far more effectively, maintain a relentless focus on what matters most, and avoid the temptations to sacrifice your #1 leadership asset: your integrity. Along the way, he offers hard-hitting insights on everything from choosing your battles to cultivating the right forms of paranoia. Losing It will be an indispensable resource for everyone aspiring to become a more effective leader, including managers at all levels, and all MBA candidates and executive education studentshttp://www.amazon.com/Losing-Behaviors-Mindsets-Careers-ebook/dp...
Amazon Coupons

I've never personally encountered the above situation and have, therefore, never researched it but have always heard that between reinsurance (to the extent that the carrier is reinsured) and state insurance guaranty associations the above question doesn't have all that much practical significance.Over the weekend, however, I had a discussion with a few people regarding Legion Insurance Company, which was a Pennsylvania based property and casualty insurer and had issued thousands of professional liability policies to physicians in a number of different states (my specific discussion was in the context of physician liability policies and I don't know other policy types that Legion had issued). Apparently, AM Best had Legion rated A- (excellent). Then, over just a 60 day period its rating tumbled from A- (excellent) to B (fair) to E (under regulatory supervision). I know nothing about this insurer, but, based on the attached Supreme Court of Pennsylvania decision (link -- the outcome of the case isn't that important here; I am only using it to get the facts), Legion ended up in financial distress because of the failure of reinsurers to reimburse it for claims being paid out.The Court also noted that during the five month period that Legion was in statutory rehabilitation, the Rehabilitator "paid only the most urgent insured claims, thereby failing to pay other valid policyholder claims totalling approximately twenty-six and a half million dollars per month."The Court also noted that the insurer itself was primarily a "fronting company," such that it had "issued insurance policies that were primarily reinsured by other insurers," so that when those reinsurance payments were not made (the case does not explain the reason that the payments weren't made), the insurer collapsed. AM Best's credit ratings were presumably the product of the reinsurance arrangement, which provided credit support, as is very common out there.I don't care specifically about Legion here, as my question is broader in scope, and am only using the Legion situation to illustrate the reason for my question. For those of you who have previously thought about this issue, what steps do you think are reasonable in ascertaining your insurer's financial viability? This is of particular interest to people with professional liability policies, many of which are claims-based policies rather than occurrence-based policies, which are so prevalent in the individual insurance marketplace, but is also probably of interest to quite a few people with individual insurance products.In fact, my question here doesn't even need to be limited to liability policies, as the facts described here seem to be of interest to all holders of various insurance policies out there.

I've never personally encountered the above situation and have, therefore, never researched it but have always heard that between reinsurance (to the extent that the carrier is reinsured) and state insurance guaranty associations the above question doesn't have all that much practical significance.Over the weekend, however, I had a discussion with a few people regarding Legion Insurance Company, which was a Pennsylvania based property and casualty insurer and had issued thousands of professional liability policies to physicians in a number of different states (my specific discussion was in the context of physician liability policies and I don't know other policy types that Legion had issued). Apparently, AM Best had Legion rated A- (excellent). Then, over just a 60 day period its rating tumbled from A- (excellent) to B (fair) to E (under regulatory supervision). I know nothing about this insurer, but, based on the attached Supreme Court of Pennsylvania decision (link -- the outcome of the case isn't that important here; I am only using it to get the facts), Legion ended up in financial distress because of the failure of reinsurers to reimburse it for claims being paid out.The Court also noted that during the five month period that Legion was in statutory rehabilitation, the Rehabilitator "paid only the most urgent insured claims, thereby failing to pay other valid policyholder claims totalling approximately twenty-six and a half million dollars per month."The Court also noted that the insurer itself was primarily a "fronting company," such that it had "issued insurance policies that were primarily reinsured by other insurers," so that when those reinsurance payments were not made (the case does not explain the reason that the payments weren't made), the insurer collapsed. AM Best's credit ratings were presumably the product of the reinsurance arrangement, which provided credit support, as is very common out there.I don't care specifically about Legion here, as my question is broader in scope, and am only using the Legion situation to illustrate the reason for my question. For those of you who have previously thought about this issue, what steps do you think are reasonable in ascertaining your insurer's financial viability? This is of particular interest to people with professional liability policies, many of which are claims-based policies rather than occurrence-based policies, which are so prevalent in the individual insurance marketplace, but is also probably of interest to quite a few people with individual insurance products.In fact, my question here doesn't even need to be limited to liability policies, as the facts described here seem to be of interest to all holders of various insurance policies out there.

I've never personally encountered the above situation and have, therefore, never researched it but have always heard that between re-insurance (to the extent that the carrier is re-insured) and state insurance guaranty associations the above question is largely theoretical.Over the weekend, however, I had a discussion with a few people regarding Legion Insurance Company, which was a Pennsylvania based property and casualty insurer and had issued thousands of professional liability policies to physicians in a number of different states (my specific discussion was in the context of physician liability policies and I don't know other policy types that Legion had issued). Apparently, AM Best had Legion rated A- (excellent). Then, over just a 60 day period its rating tumbled from A- (excellent) to B (fair) to E (under regulatory supervision). I know nothing about this insurer, but, based on the attached Supreme Court of Pennsylvania decision (link -- the outcome of the case isn't that important here; I am only using it to get the facts) Legion ended up in financial distress because of the failure of reinsurers to reimburse it for claims being paid out.The Court also noted that during the five month period that Legion was in statutory rehabilitation, the Rehabilitator "paid only the most urgent insured claims, thereby failing to pay other valid policyholder claims totalling approximately twenty-six and a half million dollars per month."The Court also noted that the insurer itself was primarily a "fronting company," such that it had "issued insurance policies that were primarily reinsured by other insurers," so that when those reinsurance payments were not made (the case does not explain the reason that the payments weren't made), the insurer collapsed. AM Best's credit ratings were presumably the product of the reinsurance arrangement, which provided credit support, as is a very common arrangement out there.I don't care specifically about Legion here, as my question is broader in scope, and am only using the Legion situation to illustrate the reason for my question. For those of you who have previously thought about this issue, what steps do you think are reasonable in ascertaining financial viability of your liability insurer? This is of particular interest to people with professional liability policies, many of which are claims-based policies rather than occurrence-based policies, which are so prevalent in the individual insurance marketplace, but is also probably of interest to quite a few people with individual insurance products.

Samsung 300V Series 300V5A Keyboard Description:
Layout: US Layout
Letter: EnglishSamsung 300V Series 300V5A (Touchpad Silver Black C Shell) KeyboardSamsung NP300V5A 300V5A Keyboard Warranty Info:
100% new high quality laptop keyboard.
100% Q.C.of EVERY notebook keyboard.
Guaranteed to meet or exceed OEM specifications.
Usually the same business day shipping.
We stand behind our Samsung Keyboard Samsung Keyboard 100%.NOTICE:
1. To avoid electrostatic discharge, ground yourself by using a wrist grounding strap or by periodically touching an unpainted metal surface (such as the back panel) on the computer.2. The key caps on the Laptop Keyboard are fragile, easily dislodged, and time-consuming to replace. Exercise care when removing and handling the keyboard.3. Before securing the latch on the system board connector, ensure that the keyboard connector is seated and the tabs on the connector are properly aligned with the slots on the system board connector. Failure to align the tabs could result in a malfunction of the computer or damage to the cable and/or the cable connector.

Staples has Kingston SH103S3/120G HyperX 3K 120GB 2.5" SATA III (6 Gb/s) MLC Internal SSD (Solid State Drive)Product Details
HyperX performance at an exceptional price.
Budget-minded gamers and enthusiasts will benefit from the lower price of Kingston's new HyperX 3K SSD. This solid-state drive combines premium 3000 program-erase cycle NAND with the second-generation SandForce controller. Its lower price means more users can experience ultra-responsive gaming, multitasking and multimedia computing power. 3K loads games and applications faster, increases frames per second (FPS) for an improved gaming experience and allows for quick transfers and edits of large media files. HyperX 3K provides high-speed SATA Rev. 3.0 (6Gb/s) performance and blazing fast random and sequential read/write speeds. SandForce DuraClass technology provides the latest data integrity protection for ultimate endurance over the entire life of the drive. HyperX 3K SSD comes in a sleek, black and aluminum case design, accentuating the look of any power user's system. For added peace of mind, HyperX 3K SSD is backed by a three-year warranty and legendary Kingston reliability.120GB
SATA III (6 Gb/s) Interface / Up to 510 MB/s max write / Up to 555 MB/s max read
SandForce controller technology
High-speed SATA Rev 3.0 (6Gb/s) transfer speeds
Advanced Wear-Leveling Technology
User-Configurable Over Provisioning4
Performance - incredible speeds for enhanced productivity
Reliable - much less likely to fail than a standard hard drive
Shock-Proof - dropping your notebook no longer means losing your data
Cool & Quiet - runs silent and with no moving mechanical parts to generate heat
Innovative - uses NAND Flash memory components
Supports TRIM - enhances device wear leveling by eliminating merge operation for all deleted data blocks
Supports S.M.A.R.T. (Self-Monitoring, Analysis and Reporting Technology)
Guaranteed - three-year Kingston warranty, free technical support$74.99 LINK
Staples Coupons

http://www.giveawayoftheday.com/The program is available for $39.95, but it will be free for our visitors as a time-limited offer. AgataSoft PingMaster Pro is a utility for network monitoring and diagnosis. The program is designed for monitoring the availability of hosts connected to the LAN or Internet (computers, servers, routers, switches), and alerting administrators in case of failures.PingMaster Pro stays hidden in the background and performs automatic checks controlling the state of the network and states of all devices connected to it. The program sends ICMP queries across the network or over the Internet and measures average response time it gets. If a certain device or a web server is unavailable, the program instantly displays a warning message to a system administrator. If a device or a server doesnt accept ICMP queries, PingMaster Pro can perform SNMP monitoring or request an HTTP header to measure response time.

Please check your email to submit a claim formClearwire customers: If you paid for retail services from Clearwire Corp. between Nov. 14, 2004,
and Feb. 27, 2012, you could be entitled to benefits under a class action settlement.
THIS NOTICE MAY AFFECT YOUR LEGAL RIGHTS. PLEASE READ IT CAREFULLY.This is an official court notice from the United States District Court for the Western District of Washington at Seattle.Dennings v. Clearwire, No. 2:10-cv-01859-JLR
This notifies you of a proposed settlement of three class actions against Clearwire.Clearwires records show you are a member of the Plaintiff Settlement Class. Plaintiffs claim Clearwire misrepresented its Internet service speeds by failing to disclose it might restrict its customers Internet speeds and that Clearwire provided poor Internet and phone service, engaged in misleading advertising, and imposed early termination fees (ETFs) that prevented customers from terminating because of poor service. Clearwire denies any wrongdoing and has asserted many defenses. In agreeing to settle, Clearwire does not admit any wrongdoing.As part of the proposed settlement, Clearwire will provide payments or credits to Class Members who submit a valid Claim Form. For details on the calculation of the dollar amounts of these payments/credits, go to www.DenningsSettlement.com. Clearwire will also enhance disclosures about network management policies and change its ETF collection policies.TO RECEIVE A PAYMENT UNDER THE SETTLEMENT, YOU MUST SUBMIT A CLAIM FORM BY JANUARY 9, 2013 (https://secure.gcginc.com/clw/logon.aspx). Your claim and control numbers for filing a claim online are xxxxxxxx and xxxxxxxxxx, respectively.If you want to exclude yourself from this Settlement, you must send a written request specifically stating that you request exclusion to Clearwire Litigation Settlement Administrator, c/o GCG, P.O. Box 9910, Dublin, OH, 43017-5810 postmarked no later than November 30, 2012.If you remain a Class Member, you may object to the Settlement by writing to the Court and sending copies to Counsel no later than November 30, 2012. Full details on how to object or exclude yourself can be found at www.DenningsSettlement.com.The Court will hold a hearing on December 19, 2012, at 3:00 p.m. to consider whether to approve the Settlement and award attorneys fees and expenses as requested, in an amount not to exceed $2 million. You or your lawyer may ask to appear and speak at your own expense, but you dont have to. The full text of the Long-form Notice and a downloadable Claim Form are available at www.DenningsSettlement.com. The website also explains the Settlement terms in more detail. Call (1-888-277-8960) or write to Clearwire Litigation Settlement Administrator, c/o GCG, P.O. Box 9910, Dublin, OH, 43017-5810 to request the Long-form Notice and Claim Form. This Notice is only a summary.

Hi all, would appreciate any guidance you can offer on this.A few months ago, I used a relative's credit card to buy an airline ticket for a flight next year. This was with his permission, the ticket was a part of a gift, he gave me his credit card number, name on the card and billing address and I entered it in online. The website's credit card authorization cleared and the ticket was issued in my name.Just last week however, I got a bill from the airline saying that due to a "disputed charge or billing error" I owed them the full cost of the ticket. This came in a letter from the airline's "corporate receivables" department, and specified a variety of ways to pay the charge including a paypal link, a bank account or sending back a stub on the bottom of the bill with credit card information. It also referenced an included details sheet that the letter claimed would answer all my questions about the charge. This details sheet, which must be some sort of internal representation of my ticket, is a half page jammed with absolutely incomprehensible abbreviations, numbers and symbols with no proper layout or context. I see some values floating around that I recognize (name, ticket number, date, relative's credit card number, a couple of dollar values none of which match the billed value), but nowhere on the page does it give any indication of a chargeback or billing error. I called back my relative who told me that he has not disputed any charges, the card is still valid, and as far as he knows the charge cleared successfully months ago. The airline letter included an email address and phone number to contact with questions, but attempts to get through on both have gone unanswered since the beginning of last week (phone goes to voicemail, no answer to emails).Of course I think the airline should be paid for my ticket, but as far as I know they have been already. My goal here is to resolve this with as little involvement from my relative as possible, it was a generous gift and he's usually very busy. I know he may need to contact his credit card company, but I'd like to come to him with precise information (reason for billing error, some sort of validation of the credit card charge failure) especially because he has already told me that the charge was successful. I'm also thinking of buying a house in the next year or so, so I really want to make sure this doesn't go to collections and affect my credit score (even temporarily).Some questions:
1) Can the airline even come after me for this money? My relative was entered as the billing contact and his name and credit card were used in the authorization (which he did not dispute or report as fraud), I was just the recipient of the ticket. I have no intention of just telling them to go after him, just wondering in general if you can go after the "ship to" contact if the "bill to" contact of an online purchase renegs. If so, can't I theoretically just go around shipping things to people and then disputing the charge.2) Any chance of this affecting my credit score? The letter refers in a couple places to the airline's credit card collections department, but is addressed from "corporate receivables". A dip in credit score, even temporary, would be very undesirable over the next year or so. How can I best mitigate any risk here? 3) Could they void my ticket if this is not resolved by the date of my flight?4) How should I proceed if they are impossible to contact through the methods suggested in the letter? I definitely think more information is warranted, I can't blindly pay them again. What information should I request and how should I request it?Thanks!

These e-books may not be free tomorrow but they are 100% free today! The Godling Chronicles: Book One (The Sword of Truth) by Brian D. Anderson (4.7 Stars) 346 pages
Darkness comes as a new power rises in Angrl. The Dark Knight has betrayed the Gods and stolen The Sword of Truth, trapping them in heaven. With the power of the Sword he can reshape the world and bring death to all who oppose him. Only one thing stands between the darkness and the light. Gewey Stedding. Only he has the power to stand against the oncoming storm. Only he can mend the world. But only if he can discover his power. (was $3.99)THREE DAYS to DIE by John Avery (4.3 Stars) 225 pages
Aaron is stolen from his mother by a psychotic killer and thrust headlong into a dark underworld of armed robbery, prostitution, and death. Will Aaron lose his mind as he's forced to participate in a deadly crime spree and witness first hand the horror of cold-blooded murder? From the opening sequence to the smashing ending, THREE DAYS to DIE moves at lightning speed, introducing the world to an exciting new hero, a beautiful and plucky heroine, and a truly frightening villain. (was $3.99)Blood Run, First Promise - Book One in the Blood Run Trilogy by Christine Dougherty (4.8 Stars) 242 pages
It is 1985 and the United States is reeling from a disease that has taken huge, bloody bites out of the country as people are changed into vampires. A young woman named Destiny Riser has lost her parents but saved her little brother, only to see him bit and changed and from that moment on, rechristens herself Promise and vows to release Chance from his nightmare, nighttime existence. (was $2.99)STAR CROSSED LOVES: The Havenmoor Chronicles(5 in 1) by Angelica Twilight (was $5.99) -be the first to review it
Five teens, five normal lives suddenly intertwined with more. Werewolves, vampires, ghosts, angels, witches What happens when normal meets up with paranormal? In this case, hearts beat faster and sparks fly. Polaris Young Adult Productions, bringing you the finest young adult fantasy, scifi, and paranormal fiction.
1. ETHAN AND THE MOON (A Werewolf Romance Short Story)
Ethan feels the symptoms coming on, the nausea, the fever, the terrible pain. The moon rises, and to protect those he loves he must hide himself away. But this moon is different. This moon, the girl he loves wont let him hide. Will Ethan be able to chain the beast that lies within and keep his girlfriend Torri from harm, or will he have to endure another terrible tragedy like the one that claimed the lives of his parents.
2. PETYRS GHOST (A Paranormal Romance Short Story)
Life hasnt been easy for Mia since her boyfriend was killed in an automobile accident. Shes wandered through her days trying desperately to move on with her life, but signs of Petyr seem to be everywhere. In fact, she can almost hear his voice, can almost see him. In fact, its a whole lot more than just almost. Is she going crazy? The voice in math class? The sight of his bruised body in the high school hallways? Is this a second chance at love?
3. BLOOD AND BREAD (A Paranormal Vampire Romance Short Story)
It isnt easy to be a nerd, or at least to be smart enough that everyone thinks youre a nerd. Cassies used to it, though, the way her classmates tease her and laugh at her; the way everybody seems to have an easy time in life while she stumbles through it in awkward confusion. But then, she meets the most beautiful boy in the library (where else is a nerd going to meet anyone?) and theres something about Julian thats so alluring. Hes wonderful and lovely, but something in his eyes betrays a tortured secret!
4. ROSEMARYS ANGEL (A Paranormal Romance Short Story)
Rosemary has always been a bit (well, a whole lot more than a bit) antisocial, but that doesnt mean shes just going to leave someone hurt and wounded on the grass in the park. Besides, taking the strange boy with the even stranger wounds on his back to the hospital will get her out of school for the day, right? But why is she drawn to him when shes never drawn to people? Is it his dark look, his strange manner? Is there something else, something that draws her that has nothing at all to do with people?
5. ELLIES SPELL (A Paranormal Romance Short Story)
Life isnt easy for a witch. First, you have to kind of keep quiet about things, and whats the use of having a lot of power you cant tell your friends about? As if thats not bad enough, Ellie keeps waking upway up! Like four feet above the bed up! Thats just a little much for her. Okay, shes a light sleeper, but does it have to be ridiculous? At school, though, when one of her friends sees a book on becoming a witch, she cant resist the temptation to cast a real spell. Of course, her friends all think its just a cool trick, but if it works, Anthony might just get up the courage to tell her how he feels
**(Go to author's page if you prefer individual books instead of the 5 in 1)**Ascension (The Enchanted Series) by Meli C (was $3.99) 367 pages -be the first to review it
Vampires. Elves. Titians. Gods. Magic. Wizards. Fairies. Fifth Avenue (The Controversial Top 100 Best-Seller) (Book One in the Fifth Avenue Series) by Christopher Smith (3.8 Stars) 450 pages
Look beneath all the power and all the wealth that represents New York City's Fifth Avenue, and you'll find greed, blood, revenge. In the international best-selling thriller "Fifth Avenue," each intermingles within a revered society that is unprepared for what's in store for it when one man finally strikes in an effort to destroy another man for murdering his wife thirty-one years ago. Louis Ryan is that man. George Redman, his wife, two daughters and their close friends are his targets. Both men are self-made billionaires who came from nothing to stake their claim to Fifth Avenue. But when Louis Ryan hires an international assassin to literally rip the Redman family apart, a series of events that can't be stopped catapults them all through a fast-paced, hard-edged thriller in which nobody is safe. (was $5.99)Progeny (The Children of the White Lions) by R T Kaelin (4.6 Stars) 636 pages
Nikalys and his sister Kenders have grown up living a peaceful life in the small village of Yellow Mud. On a blistering hot day, brother and sister head to the lake for a swim. There, they witness a mysterious stranger send forth a massive, living wave that swallows their village. Believing they are the sole survivors, the two strike out on their own, hoping to discover why their home and family have been destroyed. They must make their way through a countryside where magic is outlawed while struggling with the revelation that one of them can weave the Strands. Through their travels, they discover that their simple life was an illusion. An epic, divine struggle has been underway for ages, and Nikalys and Kenders are at the center of it. Ancient, powerful forces have sought them since before their birth and hunt them to this day. Some wish to eliminate the threat they pose while others want to help the pair fulfill a destiny of which they are unaware. Myths and legends come to life, whisking the pair along a grand journey neither could have imagined possible. (was $4.99)King's X by Stephen T. Harper (4.3 Stars) 421 pages
They say Molly Reed is an "old soul." She is just beginning to remember many ancient and secret things. She is also running out of time. From one lifetime to the next, a relentless enemy pursues her. He will stop at nothing to keep her secrets buried and her story untold. He has the scent once more. The chase is on... again. Wendell Book is a young detective working the dark side of Hollywood. When Molly breaks into his apartment looking for his long-dead father, Book knows this runaway girl is different. Somehow, in ways neither of them can yet see, Book and Molly are connected. Now he must protect her from an Enemy he could never have imagined long enough for Molly to remember the rest of her story... (was $5.49)The Trinity Signs by Scott Sullivan (4.9 Stars) 358 pages
It is said that the Trinity Signs point the way to humanity's continued existence... As an ignorant world fights amongst itself, the darkest form of evil nears its rise - for its millennium-long wait is nearing the end. There are those, however, that have prevented this evil from ever spreading its black tendrils through the cracks of the world. Tobias Ramsey is the last of these men, a Guardian by blood, and a reluctant hero thrust into a task he must complete in order to save an unknowing world from a danger it could never believe to be real. (was $2.99)Temptation (The soul collection series) by Tina DeCoux (4.7 Stars) 218 pages
Times are tough for the demon, Temptation. Once he enjoyed his work enticing humans to sin so their souls could be marked for collection. Now no one needs inducement from him. Lying, stealing, and cheating, has become the mortal's way. This tiny gold-mining town in northern California and the bar he has just entered appear as corrupt as all the other places he has visited. However, he senses purity amongst the squalor, and he knows he has found the one soul he must tempt. Sunset. She is as decent as he is corrupt. As good as he is evil. And more hopeful about life than any human he has encountered. He must have her. (was $2.99)Athera's Dawn (The White Lion Chronicles) by Christopher Hopper (5 Stars) 461 pages
Those in deepest darkness fight most valiantly for the light. Hard pressed on every side, the Dibor struggle to overcome insurmountable odds in an effort not just to regain territory, but to survive. In addition to the growing ranks of the taken, Morgui has summoned the powers of nature to search out and destroy the saviors of Dionia. Tempests hunt those forced to flee by sea, while an otherworldly fire storm chews up the ancient forest of Grandath, destroying anything - or anyone - in its path. (was $4.37)Chronicles of the Creator Books 1-3 by Colin Chadwick
Over two thousand years ago, the goddess Syalonis was betrayed by the evil machine god Morgatan. During the confrontation the goddess was ambushed and her consciousness was shattered into a thousand pieces to be scattered through her galactic body. Now, the last vestige of her awareness hides on the isolated world of Dragonsbreath as she tries vainly to recover. The fallen-angels have arrived on Dragonsbreath and as they harvest the souls of the population, some actively seek Syalonis. As the goddess hides, she urges her reluctant saviour, Tan, to flee the advance of the fallen.
Soulhunters (Chronicles of the Creator) (4.7 Stars) 203 pages (was $3.99)
The entire world is about to be consumed by a war that they could never have expected! The cities all have their own problems and dont look outside their walls. The stone giants have a slave rebellion slowly simmering. The ruling wizards of Frost Heights are keeping a tenuous peace with the recently disempowered priests. The Great Eastern Wall cities are barely holding back the undead forces of the Lich Kings. A war between continents has barely been averted and an uneasy peace ensues.
From the huge capital city of SharaDur the Emperor works to maintain the peace.
From the darkness of space, however, the very beings that the Emperor worships are rapidly approaching with only one thing on their minds: annihilation!
Angel of Rage (Chronicles of the Creator) (4 Stars) 280 pages (was $3.99)
Tan has been warned by his guard daughter of the presence of the fallen-angels. It is vital that he escape from the advance of the fallen but he remains oblivious to their presence. After his companions witness the fall of several cities and he sees the devastation of one city with his own eyes he finally starts to understand that something is amiss. He needs to react quickly but, unfortunately, the most vicious of fallen-angels, the insane Angel of Rage, Arteekee, is bringing her fleet to him.
Soul Gem (Chronicles of the Creator) (5 Stars) 375 pages (was $3.99)
Tan has been captured by the fierce Angel of Rage and now his life hangs in the balance. The mortal races; the Elves, the Dwarves, the humans and the noble Spiderfolk are desperately searching for a solution to the invasion of fallen-angels. The allied forces will find friends in unexpected places and enemies where there were friends. Daemons, Devils, Fiends, Dragons and other unique races take their stand in the war of galaxies. Most importantly however, the deadly Tomb Eyes appear but whose side are they on?Six Zombie eBooks by Todd 'TW' Brown
Zomblog (4.1 Stars) 270 pages (was $.99)
Samuel Todd is a regular guy: ...Failed husband... ...Loving father... ...Dutiful worker... ...Aspiring rockstar. He had no idea if anyone would care, or take the time, to read his daily blog entries about his late night observations. But what started as an open monologue of his day-to-day life became a running journal of the firsthand account detailing the rising of the dead and the downfall and degradation of mankind...
Zomblog II (4.8 Stars) 200 pages (was $3.99)
Meredith Gainey is a survivor...and determined to retain that status as the zombie apocalypse wipes out most of humanity. Unable to accept an existence behind walls and fences, she finds herself in constant danger...and she wouldn't have it any other way.
Zomblog: The Final Entry (4.2 Stars) 242 pages (was $3.99)
It has been over two years since the dead began to walk. The shattered remnants of civilization continue desperately to try and rebuild society...for better or for worse. As far as Meredith Gainey is concerned, they can do it without her help. Fixated on a mysterious radio message, she sets out on an unlikely adventure. This time she is joined by her dog and an unlikely companion. Eric Grayfeather. On her journey, she will encounter everything that is good and bad about humanity. Everything from a group of children who have no trust left in adults, to an all-female clan who lure men to their doom using themselves as live bait. It's all there, and it only serves to prove Meredith's point that maybe the world would be a better place without humans. As always, she documents her travels, allowing you to see the dead world through her eyes. This is Zomblog: The Final Entry
Dead: The Ugly Beginning (4.6 Stars) 304 pages (was $3.99)
The unthinkable has happened. The dead are walking! Humanity's fragile thread may be reaching its bitter end. Individuals and groups struggle to survive...some at any cost. Will there be anybody left? Or, is this just...The Ugly Beginning?
Dead: Revelations (4.9 Stars) 370 pages (was $4.99)
The zombies have risen, the world has spiraled into chaos. Small pockets of survivors continue to struggle each day to survive. The best and worst of humanity fight the undead and themselves as they come to grips with a new, violent reality. See the world through Steve's eyes as he tries to balance the duties of leading a band of survivors while caring for a young, Hispanic orphan girl. Ride along with a band of self-professed "zombie-geeks" who are discovering that living through the apocalypse is vastly different than watching it on television. Peek in at horrifying shapshots of men and women...good and bad.
Gruesomely Grimm Zombie Tales (4 Stars) 258 pages (was $2.99)
Over a century ago, The Brothers Grimm compiled an iconic collection of stories. Over forty years ago, American cinema was infected by the walking dead. A few years ago, classic literature fell to that same infection. Now, it is time for the logical, but simultaneously unlikely, fusion of the often mistakenly labeled Grimms Fairy Tales to fall prey to the gaping maw of undeath. Volume One of Gruesomely Grimm Zombie Tales offers up the first twenty-five storieswith a liberal dose of blood goreand of course zombies.

My daughter was in an accident in which her car was totaled. The driver of the other vehicle failed to yield at the green light left turn yield light. He hit her front end crushing the front; the air bags deployed. His car then spun into a city light pole. The adjusters determined the other driver 100% at fault. The problem is that the insurance company has yet to issue a settlement amount. The accident occurred on 08/07. So, it has been over a month. Her insurance has under-insured motorist coverage. Her insurance company (which also happens to be his company) paid for the emergency room visits for her and her 3 passengers, but they have not paid anything for her car, the storage fees at the place it was towed, or any other expenses. They say they haven't heard from the city about replacing the damaged light pole and 'there may not be enough money left to pay her.' Is this the way things normally work? We have lent her a car, but what would she have done if we hadn't just happened to have an extra car to lend her? How long is a driver expected to wait for reimbursement? She didn't want to rent a car because she wasn't sure they would pay for it. I feel like this is very unfair. What should we do?

This summer we passed through Detroit, an unnecessary mistake in hindsight that I could not have foreseen! ... fast forward a month and a half, I received an Overdue notice with my Vehicle License Plate number, my full name and drivers license, saying "Records of the City of Detroit indicate you have failed to respond to a parking ticket, and that failure will result in added citation, vehicle booting, withholding of drivers license. blah blah ...The ticket mentioned an address and that it was at a "No Standing Anytime" zone, but consider these:* I know that this had to be during a short drop-off stop of a couple of minutes as we made no other halts anywhere
* I did not get out of vehicle at any time
* my vehicle was running all the time
* No ticket was ever issued to me!
* I did not notice any meter maid or parking police approach me or pass by!!
* No ticket was left on any part of my vehicle!!!
* I do not believe there are cameras that do this but can not be sure how this ticket could have been issued: maybe someone watching with binoculars paid to jot down License Plate numbers of vehicles?In short I received a overdue notice for a ticket that was never issued to me in the first place !It was for $30 and with $20 late payment penalty = $50, with payment mailing address, by phone (313)963-9630 or online payment option at detroitmi.gov > Online Services. Skeptical, I went to online site and on entering the ticket info, sure my ticket info came up. That number does not seem to get anywhere as I wanted to complain about the ticket. Contacting the city lead to no human that was willing to redirect appropriately. Sensing too much of a bother for $50 I just paid online to move on ... This however bothered me enough to write here, as a warning to others, and as there seemed not a way to easily contest this without wasting more resource compared to $50 I was fighting about, also this seemed like a local government backed scam from a very deeply cash strapped city in a downward spiraling state. What would you do ? Is there some easier way for anyone to prevent this in the future and take the perpetrators to task ? Is this common at other cities or new tactics being invented by the city of doom ?

A friend of mine was about to get a loan modification, but after a successful trial period, in the end, the loan mod was denied/ failed. I don't know the exact details, I suspect my friend failed to return all required documents signed in a timely manner. This person is a bit of a flake.The property in question is in California, has a 1st and 2nd deed of trust (520k, 150k), property is worth a little less (440k) than the 1st TD. [So, lien stripping could be an option!]The lender scheduled a trustee's sale. The flake that my friend is, no action was taken until the day before the auction. I had reminded flake to start working on this at least 4 weeks prior to the trustee sale. The plan is now to file a BK in the last minute to force the lender to post-pone the trustee sale.Well, the flake went to a BK attorney the day before, around 4pm, and the attorney states he cannot file a BK within a few hours. In CA, a 2-week counseling is needed. So, the flake goes on the day of the auction to the court and files it personally. Literally minutes before the sale (9am).
So far successfully, as the sale has been postponed a few times.
Now, we have an argument.My friend actually continues to pay all credit cards and also all other mortgages.
My understanding is, that while people are "in BK", they typically don't pay anything any more. AM I WRONG?My friend wants to use the time now to get the loan modification approved.
Afterwards, the BK will be thrown out of court, due to lack of hardship. (Flake has cash available to pay the 2 loans off, multiple times.)
This is the reason why this person continues to pay all other obligations.My friend believes that an unsuccessful bankruptcy will not stay on the credit reports. I disagree.Who is right?
p.s.: I think it's 'Chapter 13'.

http://www.giveawayoftheday.com/The program is available for $19.95, but it will be free for our visitors as a time-limited offer. As Partition Magic alternative, EaseUS Partition Master Professional Edition is an ALL-IN-ONE partition solution and disk management utility. It allows you to extend partition, especially for system drive, settle low disk space problem, manage disk space easily on MBR and GUID partition table (GPT) disk under 32 bit and 64 bit Windows 2000/ XP/ Vista/ Windows 7 SP1/ Windows 8.The most popular hard disk management functions are brought together with powerful data protection including: Partition Manager, Disk and Partition Copy Wizard and Partition Recovery Wizard. Moreover, you can create bootable CD/DVD in case of system boot failure.

http://www.giveawayoftheday.com/The program is available for $19.95, but it will be free for our visitors as a time-limited offer. As Partition Magic alternative, EaseUS Partition Master Professional Edition is an ALL-IN-ONE partition solution and disk management utility. It allows you to extend partition, especially for system drive, settle low disk space problem, manage disk space easily on MBR and GUID partition table (GPT) disk under 32 bit and 64 bit Windows 2000/ XP/ Vista/ Windows 7 SP1/ Windows 8.The most popular hard disk management functions are brought together with powerful data protection including: Partition Manager, Disk and Partition Copy Wizard and Partition Recovery Wizard. Moreover, you can create bootable CD/DVD in case of system boot failure.

A cigarette and a clipboard saved my life begins Dans book, Surviving September 11th. Standing only ten feet from the blast of a commercial airliner crashing into the Pentagon, the author shares his personal experience on 9/11/01 to offer the wisdom necessary to navigate todays troubling world. Surviving September 11th is a journey through surviving our nations worst tragedy while learning the beauty of life. Dan challenges his readers to appreciate the life they are living right now, and to appreciate the people around them for the contributions made. This book defies the status quo by claiming that real success is found by living in humility while giving gratitude.Today 18.8 million people live depressed, terrified by the economy and desperately seeking external answers to Why am I here? As we allow others to define us, we fail to find ourselves. Surviving September 11th draws on the incredible power of gratitude and connects it between ourselves, and those we know, to help us manifest our purpose.If you need a message of hope in this fast paced, anxiety driven culture, this book is calling your name. Surviving September 11th challenges readers to believe that they can live this life of gratitude because Dan has lived it in response to our generations Pearl http://www.amazon.com/Surviving-September-11th-Anniversary-ebook...

http://www.giveawayoftheday.com/The program is available for $39.00, but it will be free for our visitors as a time-limited offer. BackupSF is a MySql and FTP Website Backup Software that lets you back up critical website files and databases to non-host locations, enabling quick recovery in the event of the hosts server failure, infection, or corruption.Why BackupSF?
Backing up both site files via FTP and its MySql database.
Easily restoring data from the backup copy.
Really simple interface.

http://www.giveawayoftheday.com/The program is available for $39.00, but it will be free for our visitors as a time-limited offer. BackupSF is a MySql and FTP Website Backup Software that lets you back up critical website files and databases to non-host locations, enabling quick recovery in the event of the hosts server failure, infection, or corruption.Why BackupSF?
Backing up both site files via FTP and its MySql database.
Easily restoring data from the backup copy.
Really simple interface.

In the passive/stacking CB thread plink.com was mentioned.
Plink.comIt's another site similar to Envaulted/Offermatic (insert bad joke here). I haven't had a lot of success with these programs as they seem to be fairly fly-by-night. I am hesitant giving up credit card logins in an effort to gain a small amount of CB given the failures of Envaulted and Offermatic. The interface seems eerily similar to Offermatic which probably isn't a good thing.Anyhoo, it does appear to be fairly interesting for people that eat junk food.Merchants:
Burger King
Taco Bell
Outback
Arbys
Regal Cinemas
Edwards Theaters
Red Robin
7-Eleven
Quiznos
Dunkin DonutsRewards:
Tango
Amazon
WalMart
Kohls
Facebook
B&N
Regal Cinemas
Macys
Overstock
Zappos
American Eagle
Banana RepublicI suppose one could buy $25 GC's at 7-Eleven. It's $2.50 back from plink in GC credit on top of whatever one's cc rewards program gives. Anyone have experience using this site care to comment?

In the passive/stacking CB thread plink.com was mentioned.
Plink.comIt's another site similar to Envaulted/Offermatic (insert bad joke here). I haven't had a lot of success with these programs as they seem to be fairly fly-by-night. I am hesitant giving up credit card logins in an effort to gain a small amount of CB given the failures of Envaulted and Offermatic. The interface seems eerily similar to Offermatic which probably isn't a good thing.Anyhoo, it does appear to be fairly interesting for people that eat junk food.Merchants:
Burger King
Taco Bell
Outback
Arbys
Regal Cinemas
Edwards Theaters
Red Robin
7-Eleven
Quiznos
Dunkin DonutsRewards:
Tango
Amazon
WalMart
Kohls
Facebook
B&N
Regal Cinemas
Macys
Overstock
Zappos
American Eagle
Banana RepublicI suppose one could buy $25 GC's at 7-Eleven. It's $2.50 back from plink in GC credit on top of whatever one's cc rewards program gives. Anyone have experience using this site care to comment?

http://1saleaday.com/family/ Mr. Beams ReadyBright Power-Outage LED Light System w/ 3x Ceiling Lights, 3x Path Lights & Flashlight Remote!
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It never fails, the power goes out and you are left fumbling along in the dark, feeling your way towards that drawer where you could have sworn you left the flashlight. But no more, your days of tripping over small toys and household pets have come to an end!Simply install the Mr. Beams Ready Bright Power Outage System, and you will be free to enjoy the light while everyone else sits in the dark. This complete house package includes 3 celling lights for your rooms, kitchens and bathrooms, as well as 3 path lights to illuminate your stairs and hallways.As soon as the power goes out, the Power Outage system sends a signal to turn on your emergency lighting, ensuring your safety and peace of mind. The handy remote doubles as a flashlight and can control up-to 30 lights! And dont worry about wasted batteries; the system automatically shuts off to save battery life.With the simple setup anyone can install the MrBeams Ready Bright system, no electrician needed. There is no longer an excuse to sit in the dark. Get Light with Ready Bright today!
SpecsCondition: New
Packaging: Retail
Warranty: 1 Year
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We had an accepted offer by the seller on a short sale that the bank did not approve of yet. Contracts were drawn up and we paid a fee to the lawyer. Long story short, but the sale fell through as the bank rejected the deal and made no counter offer after several months of waiting.Our real estate attorney informed us today he had ordered title service to my surprise and he mentioned something about a title cancellation fee. I told him I provided no such authorization for the title order nor thought why would anyone order title service for a deal that the attorney knew was a short sale and had no bank approval. I've done multiple refinances and a single home purchase and everytime I'm always been asked for permission first if I want the title service to be ordered.This attorney also told me also the escrow deposit which I wrote a check to the seller's attorney was deposited back into his account and he'll cut me a new check as soon as it clears. So I'm wondering is this customary how the deposit is returned? I'm in NYS and red flags are just going up if this guy is trying to squeeze some $$ for a failed contract. I was planning to re-use him in another transaction. Its not a crazy amount of $$ but nonetheless it was not authorized.

I've come to the conclusion that salaried positions are pretty much a way for your employer to screw you out of appropriate compensation. This is likely common sense and not big news to anyone.When you work hourly, your employer typically sends you home at the 40 hour mark because they don't want to pay you time-and-a-half overtime. Only if they really need you, do they ask you to stay beyond that 40 hour mark. Both of your incentives are aligned because if you've already done your 40 hours, then the marginal value of your free time is increased because you have less of it. Thus, you do need to accept a higher wage (1.5x) in order to be fairly compensated at the marginal level. Consider the value of your free time if you worked 20 hours a week versus if you work 90 hours a week. At 90 hours a week, that extra hour of work is horrible because it's cutting into your sleep. At 20 hours a week, the 21st hour isn't so bad.The problem is that the job market is bifurcated such that in most industries, for the most part, "good jobs" are all salaried. You can get paid $10/hour working as a secretary or make a fixed salary to be a manager. It's rare to see a $50/hour manager position, rather than a $100k/year salaried manager position even if they might otherwise be equivalent on the compensation basis.This is because your employers want to screw you over and make you into their b*tch. They keep piling work on you if your salaried and if you don't want to do it, because it's an employer-market right now, they will fire you and get someone else to do it.Even if you have a "decent" paying salary job of $60k to $80k a year, if you're working 60 hours a week, then your hourly pay is really small because you have to factor in what your overtime would have been. For example, at $60k/year, working 60 hours a week (for 50 weeks, assuming 2 weeks vacation) that's:2000 hours of regular labor
1000 hours of OT labor (which should be 1.5x regular rateThat's $17/hour. In many parts of the country, when you hear $60k per year, you think "wow, good job" but if you heard $17/hour you'd think "meh." Then add in the once every 2 months that your employer asks you to be "flexible" and pull 80 hour weeks to finish a critical project and you're down to $15/hour.Is there any solution to this? I'm torn betweenA) Becoming a 1099 Contractor and working at an hourly rate
B) Becoming a government worker, salaried, doing my 40 hours and going home
C) Finding the rare organization that values work-life balance and doesn't expect you to work >40 hours on a regular basis (fortunately since I work in healthcare, there's a lot of non-profit hospitals that work this way, however the pay is very low)Before the FWF sharks circle around me, my intention for this is not laziness. I simply want to get paid what I deserve, and I want to have time to pursue entrepreneurial activities. Working 60 hours a week for someone else does not lend itself for doing other things at night and still maintaining a personal life to any degree.I envy public school teachers who "only" make $40k/year but have side businesses that pull in an additional $60k/year because they are home at 3pm everyday and have 10 weeks off in the summer.My 40-hour-per-week job is not something I look at as my "life" or "career" but more of a fallback. If my entrepreneurial activities fail at least I have enough money coming in to pay the rent, food, and have health insurance. Actually, if I could get a decent paying 20-hour per week job (say $20/hour for about $20k/year in low to mid cost of living parts of the country) then I'd jump at that because I'd have plenty of time to grow my side businesses. The problem is figuring out how to get that stable $20/hour, 20-hour-per-week position because if you constantly have to hustle for that "base" work, then it's taking you away from your side businesses. And employers don't want 1/2 FTE employees. They want full FTEs that are salaried that they force to the do the work of 1.5 FTEs.What is FWFs thoughts on this subject?

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Buy.com Coupons

http://www.amazon.com/dp/B008KUCI3O/The first book in the Lei Crime Series, Blood Ginger, was a freebie about a month ago and now the sequel is free today! Rated 5-Stars with 24 reviews, as of this post.Book Description
Publication Date: July 12, 2012
"If J.D. Robb's In Death series went on location with Kaui Hart Hemmings' The Descendants, you'd have Toby Neal's Torch Ginger."Lei Texeira is both tough detective and vulnerable woman in this winning Hawaii crime series. David Bishop, author of Who Murdered Garson Talmadge and other mysteriesThe island of Kaua`i is remote jungle, golden beaches and ancient culturebut transients are disappearing in paradise, and only Detective Lei Texeira notices.Fleeing a failed engagement, Lei transfers to the island of Kaua`i, where she uncovers a pattern of disappearances that may be related to a bizarre cultor is it just one madman at work? In Lei's world, everyone is guilty until proven innocent.
In Blood Orchids Lei battled her personal demons and wonbut now they've come roaring back with reinforcements, including charming real estate magnate Alika Wolcott and former fianc Michael Stevens. In the midst of the biggest case sleepy Kaua`i has ever seen, Lei must also discover who she loves.

This is from John Bogle (founder of Vanguard) and thought it was worth a share.1. Remember reversion to the mean. What's hot today isn't likely to be hot tomorrow. The stock market reverts to fundamental returns over the long run. Don't follow the herd.2. Time is your friend, impulse is your enemy. Take advantage of compound interest and don't be captivated by the siren song of the market. That only seduces you into buying after stocks have soared and selling after they plunge.3. Buy right and hold tight. Once you set your asset allocation, stick to it no matter how greedy or scared you become.4. Have realistic expectations. You are unlikely to get rich quickly. Bogle thinks a 7.5 percent annual return for stocks and a 3.5 percent annual return for bonds is reasonable in the long-run.5. Forget the needle, buy the haystack. Buy the whole market and you can eliminate stock risk, style risk, and manager risk. Your odds of finding the next Apple (AAPL) are low.6. Minimize the "croupier's" take. Beating the stock market and the casino are both zero-sum games, before costs. You get what you don't pay for.7. There's no escaping risk. I've long searched for high returns without risk; despite the many claims that such investments exist, however, I haven't found it. And a money market may be the ultimate risk because it will likely lag inflation.8. Beware of fighting the last war. What worked in the recent past is not likely to work going forward. Investments that worked well in the first market plunge of the century failed miserably in the second plunge.9. Hedgehog beats the fox. Foxes represent the financial institutions that charge far too much for their artful, complicated advice. The hedgehog, which when threatened simply curls up into an impregnable spiny ball, represents the index fund with its "price-less" concept.10. Stay the course. The secret to investing is there is no secret. When you own the entire stock market through a broad stock index fund with an appropriate allocation to an all bond-market index fund, you have the optimal investment strategy. Discipline is best summed up by staying the course.

Save $80 after promo code and mail in rebate! Have not found a price in the ballpark for this 24-port gigabit business class switch from other sellers. Free shipping and no tax for most! Pretty good overall reviews, 4/5 eggs rated with 121 reviews. $229.99 List
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* IEEE 802.3i 10BASE-T Ethernet
* IEEE 802.3u 100BASE-TX Fast Ethernet
* IEEE 802.3ab 1000BASE-T Gigabit Ethernet
* IEEE 802.3x Flow Control
* Unmanaged
* 2MB Buffer Memory
* Switching bandwidth: 48 gigabit per sec
* Forward rate (1000 Mbps port): 1,480,000 packets per sec
* Forward rate (100 Mbps port): 148,000 packets per sec
* Forward rate (10 Mbps port): 14,800 packets per sec
* Mean Time Between Failure (MTBF): 87,600 hours
* Powerful, non-blocking backplane
* Lifetime Warranty (2 year warranty on power supply)
TAKE GIGABIT TO THE DESKTOPNETGEARs JGS500 Gigabit Switch Series gives your office network a megaboost of speed and capacity that is within your budget. With up to 48 Gbps of bandwidth, these 16- and 24-port switches can blast 2000 Mbps per port while their affordable prices enable you to put them everywhere. Use it to take Gigabit Ethernet directly to the desktop! Standards-based for easy integration of 10-, 100-, and 1000-Mbps devices, these unmanaged, rack-mountable switches feature 10/100/1000 automatic speed and full/half-duplex sensing plus Auto Uplink on every port. Users can take advantage of the their ability to deliver large amounts of multimedia, image, and video information in no time at all. Ideal for workgroups, labs, departments, or growing offices looking for oustanding performance at a low price.HIGH CAPACITY
1000-Mbps speeds and a switching capacity of up to 48 Gbps meet the performance needs for even the most bandwidth-hungry applications. The JGS500 series are perfect for graphics, multimedia, and other applications that have to move large files across the network quickly.AFFORDABLE
Aggressive prices enable your workgroup, department or small network to ramp up to Gigabit speeds, even all the way to the desktop.FLEXIBLE
Each port is equipped with automatic speed and duplex sensing, plus Auto Uplink to adjust for straight-through or crossover cables to make the right link. Standards-based design makes it easy to combine 10-, 100-, and 1000-Mbps devices on your network.CONVENIENT
Easy to set up and easy to use, these unmanaged switches have per port LEDs for effortless network monitoring. They are compact enough for the desktop but come with a rack-mount kit. They are also compatible with PC, Macintosh, Linux, and Unix operating systems.NETGEAR GREEN* Up to 60% lower power consumption
* Auto power-down mode saves energy 0;0;0;3; when port is unused
* Less transmit power when the cable is under 10 m
* Packaging manufactured with at least 80% recycled materials
* Ordering Part Number (United States) : JGS524NAThis JGS524 features 24 RJ-45 ports with automatic speed and duplex sensing. High performance of 1000Mbps speeds and a switching capacity of up to 48Gbps meet even the most bandwidth-hungry applications need. The Netgear JGS524 is a simple and economical path to Gigabit connectivity!

Save $7 (47%) on this 15th anniversary edition blu-ray. Free 2 day Prime shipping or >$25 FSSS.LINKFeatures:
4-Part Retrospective Reflecting on a Journey: Good Will Hunting 15 Years Later
*The Era of Good Will Hunting
*Cast and Crew Spotlight
*Academy Awards: A Winning Season
* Life Goes On
Matt Damon Remembers Good Will Hunting
Audio Commentary by Director Gus Van Sant and Academy Award Screenwriting Winners Matt Damon and Ben Affleck
11 Deleted Scenes with Audio Commentary
Production Featurette
Academy Award Best Picture Montage
Miss Misery Music Video
Behind-the-Scenes Footage
Theatrical Trailer15th Anniverary Edition includes many bonus features not originally released on the 2011 release. A true motion picture phenomenon, this triumphant story was nominated for nine Academy Awards - winning Oscarsr for Robin Williams (Best Supporting Actor) and hot newcomers Matt Damon and Ben Affleck (Best Original Screenplay). The most brilliant mind at America's top university isn't a student...he's the kid who cleans the floors! Will Hunting (Damon) is a headstrong, working-class genius who's failing the lessons of life. After one too many run-ins with the law, Will's last chance is a psychology professor (Williams), who might be the only man who can reach him! With acclaimed performances from Academy Awardr-nominee Minnie Driver (GROSSE POINTE BLANK) and Ben Affleck (SHAKESPEARE IN LOVE, THE TOWN) - you'll find GOOD WILL HUNTING a powerful and unforgettable movie experience!
Amazon Coupons

Save $15 today only on b3st buy's deal of the day.LINKYour name is Sam Fisher. You're a rogue agent, sent behind enemy lines in the Korean Peninsula. Your mission: prevent WWIII. Not an easy task, but with stakes this high, failure is not an option. After investigating the sinking of the U.S.S. Clarence E. Walsh, the United State's most advanced cruiser, you discover the truth. War comrade Douglas Shetland, Displace International and Admiral Otomo of the Third Echelon Information Self Defense Force (I-SDF) are planning to use the Masse Kernels to start the most catastrophic war to ever plague the planet. It's up to you to stop them.Jump into the critically acclaimed franchise with Tom Clancy's Splinter Cell 3D. New controls, enhanced weaponry and stereoscopic 3D graphics bring you back to the action like never before. Optimized button mapping with the slide pad and touch pad let you control the action with ease so you can quickly equip weapons and use special gadgets more effectively. New and enhanced weapons, including fusion goggles, OCP electronic disabling device, smoke and gas grenades, wall mines and add-ons for the SC-20K rifle change up the game. Even lockpicking and hacking are enhanced with the Nintendo 3DS' slide pad and interactive 3D puzzles, respectively. Return to the spy franchise you only thought you knew for a gripping experience that immerses you into Sam Fisher's world like never before.FEATURES* Employ many weapon enhancements that are new to the franchise, including fusion goggles, OCP electronic disabling device, smoke and gas grenades, wall mines and add-ons for the SC-20K rifle
* Realistic lock picking utilizes the Nintendo 3DS' slide pad for an enhanced experience
* Hack into enemy systems by solving interactive 3D puzzles
* Rich 3D visuals immerse you in the action as you attempt to prevent WWIII by uncovering the party responsible for sinking the cruiser, the U.S.S. Clarence E. Walsh
* Enjoy gameplay, cinematic features, maps, HUD, menus, loading screens and more, projected in jaw-dropping stereoscopic 3D
* Optimized button mapping with the slide pad and touch pad ensure seamless control so you can equip weapons and gadgets more effectively
* Help rogue agent Sam Fisher go behind enemy lines in the Korean Peninsula and attempt to discover those responsible for a devastating attack

Newegg has the Vertex 2 55gb ssd on sale for 35$ after a 20$ MIR. Not as good a price per GB as the 115 also on sale but very low cost entry to get a SSD especially for an older system that doesn't have sata-3 to benefit from any of the newer drives. As with any ssd I'd recommend checking for updated firmware before you start using the drive and with any hard drive you should have a backup plan since all drives can fail at some point.http://www.newegg.com/Product/Product.aspx?Item=N82E16820227550Stolen from the 115 gb thread. Code HARDOCPX822A gets you 10% off which gets it down to 29.49 after rebate.
Newegg Coupons

Newegg hes the Vertex 2 55gb ssd on sale for 35$ after a 20$ MIR. Not as good a price per GB as the 115 also on sale but very low cost entry to get a SSD especially for an older system that doesn't have sata-3 to benefit from any of the newer drives. As with any ssd I'd recommend checking for updated firmware before you start using the drive and with any hard drive you should have a backup plan since all drives can fail at some point.http://www.newegg.com/Product/Product.aspx?Item=N82E16820227550

I am trying to help a very poor family in India deal with overburdening vehicle loan. The person is an auto-rickshaw driver and is simply not being able to make the monthly payments. He still has about Rs 75k due with about Rs 3k EMI. The bank (Bank of Baroda) will likely repossess his auto if he fails to make payments. The auto itself is in semi-ok condition and is probably worth 30-40k at most, market value.Is it possible to reason with the bank that by repossessing the vehicle, they will not make much from its sale anyway. Then, push for a loan settlement to something substantially lower say around Rs 35-40k.I havent handled such cases in India before and was wondering if you guys have any advice. Is loan modification tractable in India?

Darn good deals, Motorola wall chargers ( included with regular dock, not speaker docks) fail frequently - here are cheap replacements. The Speaker dock sounds much better than the Xoom too

$50 of Incase products from goincase.com for $25 + free shipping for continental US - This promotion is available to continental USA customers ONLY
- Free shipping (continental US only)International buyers will have to pay for shipping at checkout on incase.com
- No refunds
- Cannot be combined with any other offer or promotion
- License code will be good for $50 worth of accessories from Incase
- The voucher is valid for ONE-TIME only and your voucher credit balance will not carry over
- Limit one (1) voucher per order
- Must redeem your products by 12/20/12 or your voucher will expire
- If shopping cart exceeds over $50 on Incase.com then youll have to pay the difference
- If a Purchaser fails to redeem their Voucher by 12/20/12, Purchaser agrees that Purchaser will have purchased $25 through StackSocial to be used on StackSocial.com ONLY, and the Voucher shall cease to be valid for a purchase transaction on goincase.com

Designed and manufactured as if your life depends on itbecause it might. PMCs exacting adherence to the precise specifications of military and law-enforcement organizations assures that X-TAC ammunition will perform perfectly in that fraction of a second when a serious threat arises and your life is on the line. Self defense begins and ends with reliable, consistent ammunition. Nothing is more important than life. Protect yours, confidently, with X-TAC from PMC.PMC X-TAC Line Manufactured to the highest industry and military specifications to ensure its performance, without fail, when your life is on the line. PMCs X-TAC ammunition is powerful, accurate and dependable, because in a life-threatening situation, no other standard is acceptable.20 rounds per box.Palmetto State Armory link
Regular Price: $7.99
Special Price: $6.59

Last day to get this handy device with 30% off code NOTEBOOK30 and free ship with MVCFREE4U for Kohls card holders. I ordered this on the first day of the current sale and I am quite pleased with the product. It is an am/fm radio, led flashlight, and charges from a crank or a built-in solar panel or via usb with provided cable. Also has an aux input for mp3 players. I charged it fully and the led flashlight was still working (albeit somewhat dim) 12 hours later! Cranking it brought the flashlight back to full brightness. The am/fm + weatherband worked fine. The speaker is of course a single low fidelity one but good enough. All in all a nice gadget to have for camping or power failures. Don't forget 4% CashBack.

Save $18 and protect your PC against Malware with the full version of Malwarebyes Lifetime. Also receive AVG Antivirus (1 user) free! 5/5 eggs rated with 120 reviews.Link
Promo Code: EMCNBJF25 (expires 8/20)Malwarebytes' Anti-Malware is considered to be the next step in the detection and removal of malware. Malwarebytes detects, destroys, and prevent smalware. Malwarebytes' Anti-Malware can detect and remove malware that even the most well known anti-virus and anti-malware applications fail to detect. Malwarebytes' Anti-Malware monitors every process and stops malicious processes before they even start. The Real-time Protection Module uses our advanced heuristic scanning technology which monitors your system to keep it safe and secure. In addition, we have implemented a threats center which will allow you to keep up to date with the latest malware threats.* Support for Windows 2000, XP, Vista, and 7 (32-bit and 64-bit).
* Light speed quick scanning.
* Ability to perform full scans for all drives.
* Malwarebytes' Anti-Malware Protection Module.
* Database updates released daily.
* Quarantine to hold threats and restore them at your convenience.
* Ignore list for both the scanner and Protection Module.
* Settings to enhance your Malwarebytes' Anti-Malware performance.
* A small list of extra utilities to help remove malware manually.
* Multi-lingual support.
* Works together with other anti-malware utilities.
* Command line support for quick scanning.
* Context menu integration to scan files on demand. Malwarebytes' Anti-Malware is an anti-malware application that can thoroughly remove even the most advanced malware. It includes a number of features, including a built in protection monitor that blocks malicious processes before they even start.FileASSASSIN is an application that can delete locked malware files on your system. It uses advanced programming techniques to unload modules, close remote handles, and terminate processes to remove the file. Please use with caution as deleting critical system files may cause system errors.

My wife and I moved to a new state and are now seriously house hunting (and in a sense have been doing so online for months now). The area we have moved to is reasonably priced overall, but there really is not much selection or turnover, as it is not a big city.

We found a house we like a fair amount. It seems reasonably priced compared to the area as a whole, but finding good comps (for both location and size) is somewhat difficult. In the context of Zillow values (for whatever they are worth), the house of interest is about $205K, the next tier is between $170K-$175K (about 3 houses), and the rest are almost all $160K and below. These values seem to be largely related to the square footage, as the house of interest is about 20-25% bigger than the next biggest house and is about 50% bigger than most others. Lot size is a factor as well, as the lot of interest is one of the biggest and about twice the size of most of the others.At this point, we are viewing this as a concern, but not necessarily a showstopper. I have heard people say (and have experienced myself) that homebuyers buy into a neighborhood as much as into a house, so owning something that is not in line with the neighborhood is a bad idea. Our biggest concern is that when it comes time to sell (though the hope is that would not be for a long time), it would be difficult. In fact, we suspect this is why the current owners are having a hard time selling now (the house has been sitting at the current price for about 3 months now). Also of concern is that the neighborhood will deteriorate as it ages at a more rapid pace because the other houses are already much smaller and cheaper. As of now the upkeep and safety of the neighborhood overall is very, very good, just most of the houses are smaller and have smaller lots.Are we making something out of nothing, or is this a genuine concern? Are we not concerned enough (in other words should this be a showstopper)? Are there other factors Im failing to consider? Thanks in advance for any advice.

Essential Gear Trekker Lighter $29.96 + $6.99 S/Hwas $54.95http://www.campmor.com/outdoor/gear/Product___84019FS on $100+The Trekker lighter is your ultimate all weather fire tool. It's a high performance butane lighter with a catalyzer coil that provides the ultimate windproof flame. It will continue to remain lighted, easily withstanding wind exposure of 70-80 miles per hour. Extra Large Fuel tank with over 1,000 ignitions on a single fill.
Catalyzer coil provides ultimate windproof flame withstanding winds of 70-80 miles per hour.
Burns with clean hot flame at 2,000 degrees Fahrenheit.
Flame Indicator Window located on side of combustion chamber glows when lighter is ignited.
Fuel Level Indicator visually reveals fuel level.
Piezo-Electric Ignition System eliminates need for batteries or flints, which fail when wet.
Piezo-electric system permits easy, one-handed operation good for over 30,000 ignitions.
Water Resistant O-Ring Seals keep water out when lighter cap is closed.
Easy grip rubberized case, ergonomic desigh fits comfortbly in hand.
Includes wrist lanyard.
Fuel capacity of 4 grams.
Size: 3.7" x 1.2"
Weight: 2.5 oz.
Fuel Capacity: 4 gr
Campmor Coupons

Will most likely sell out. $.55/GB. Ships free. Detailed spec sheet HERE.LINK
$20.00 Mail in Rebate
* Valid 8/7 & 8/8 only! *
Kingstons SSDNow V200 lets you stretch your system without stretching your budget. Designed for notebook and desktop hard drive replacements and upgrades, it maximizes your computer investment while boosting the performance of the system and its applications. SSDNow V200 makes computers more responsive than ever. Boot up is quicker and applications load faster than ever before. More reliable and more durable than a traditional hard drive, V200 is backed by a three-year warranty, 24/7 technical support and legendary Kingston reliability.Features
Faster boots system and applications faster
Reliable with no moving parts, solid-state drives are less likely to fail than a standard hard drive
Convenient all-in-one kits with all the components for easy installation
Multiple capacities to fit your needs
Form Factor 2.5-inch drive available to fit more systems
Silent runs silent and coolTech Specs
Form Factor: 2.5"
Capacity: 256GB
Interface: SATA III
Width: 69.8mm
Depth: 100.1mm
Height: 9.5mm
Weight: 88g
Power Consumption (Idle): 0.49W
Power Consumption (Active): 1.87W
Operating Temperature: 0C ~ +70C
Storage Temperature: -40C ~ +85C
Max Vibration Resistance: 20G

Hello, I hope you are having a good day.Obviously, I have another Fatwallet account... however, I chose to be anonymous since my life in general was in absolute mayhem and am ashamed of it.I know that the members of Fatwallet community can surely enlighten me, so I need your "brutally honest" opinion. Much appreciated All right- here it goes. I am 27 year old male who lives in the Great Plains (middle of Illinois, which is nowhere). When I was young, I was very irresponsible and naive. Since I majored in business in undergrad state school, I thought that I would earn 50k without a problem. So I partied, did not study for the exam, etc. Of course, I wasn't aware of 2008 financial crisis,even though I was majoring in business. Even worse, I was paying out-of-state student loan: I wanted to get out from my parent's authority, which was total failure. I was a total stupid redneck back then.After graduation of 2009 (with shameful GPA of mid 2s), I wasn't able to find a job for a year or so. My tuition and credit card debt was racking up like crazy: parents kicked me out from their house. When they are kicking me from their house, my dad said one thing: "A man choose to become what he chose to be." That's when I realized that I needed the change. From since, I started to work as a teller, even though I was waaay overqualified for the job. However, I thought myself as "as good as no degree" because I honestly don't think that I deserve Bachelor's degree. I sold my car to consolidate my debt- the car itself wasn't worth that much, but I was saving a lot from a) not paying for the gas and repair and b) insurance because of one minor accident I had. I chose myself to withdraw myself from partying out crew- they weren't getting jobs anyway. I started to eat in, live humble, and no drink whatsoever. No gal/galfriend since gals are the moneysuckers. Instead, I got myself gym membership and spent my excess time to kill. In 2010, I was 6'0 250 pounds- now I am 180 pounds.Enough of this sob drama queen story. One thing that I am proud of is that I am a debt-free person as of yesterday. For 4 years, I have been patiently paying off the mess I created. I just got back on my feet. However, I think I am too late now for the greater myself... or am I? Here is my financial situation:--------Credit---------------
Salary: 33k, Private Client Banker
Credit Card: 0/2000 dollar, 0/1500 dollar, 0/4500 dollar (never asked credit card company to increase my limit, since I wasn't going to use them anyway)
IRA: Traditional IRA of 5 percent (our bank match 5 percent, making it 10 percent). Think I have 10k there.
Savings: No savings at all- all my savings were geared to pay off my loans ASAP.--------Debit----------------
Rent: 250 dollars per month (I share 2 bedroom with my roomate)
Utility : 100 dollars per month (water, electricity, internet)
Cell phone: 25 dollars per month from Virgin Mobile (Thank you Fatwallet )
Dine-out Costs: 100 dollars per month (Yes, all for just myself. No Gals and pic, move along )
Food: 300 dollars per month
Entertainment: 100 dollars per month
Clothing: 100 dollars per month (I can't help this since I work with private client in banking. I usually save up per month to buy a suit)No auto, tuition debt. No debt whatsoever. I am clean.I need your opinion on this:1) Am I too late than norm? How could I improve my cash flow from the credit/debit form I mentioned above?2) What should I do in order to maximize my savings? (I started to study myself for CFA examination ,read little bit of investing books, read fatwallet forums about rental but they require at least 100k to show sizable ROI) 3) What car should I get? My boss were saying to me: "I need you to buy a car since I want you to meet your clients outside of the bank." Disgruntled, I was going to buy a beater (Crown Vic, anyone?!) but my boss strictly restricted me from buying a beater: "I know what you are thinking- if you get a beater, I am going to fire you(laughs)" He said in jokingly way, but I got an impression that he wants me to get a decent car in order to give out some formal looks. Thinking of buying some car at 10k aboutish range. What car should I get? Hyundai? Kia? Ford? Chevy? I have to admit, a part of me was telling me: "hey, you deserve BMW/Merdedes. You killed off all debt and walked to your walk rain or snow. Do it now"- but I don't think I should go for that route and get auto debt.4) Should I take CFA, CFP credential exam? Or do you think that those exams are just worthless?5) With my GPA from undergrad (weeeeee! I am weeping in joy), I don't think I can ever get into MBA school that are worth getting into/paying or any masters degree. Any inputs?Thank you for your time to read this. I sincerely await your honest yet brutal opinion. Bash me.

2-for-1 Broadway Tickets NYC: Wicked, Jersey Boys, The Lion King, Mama Mia, Mary Poppins, Phantom of the Opera + Many More 9/4-9/16
Buy one get one free broadway tix NYC 9/4-9/16. Go on Sale 8/20http://www.nycgo.com/broadwayweek?a=1&b=1
Two-for-one ticket pricing will be displayed at the point of sale as 50% off a minimum purchase of two tickets.
NYC & Company makes no representations or warranties about the information provided herein or other related collateral; NYC & Company hereby disclaims any responsibility and/or liability for failure by any third party to honor the offer or for any errors, omissions, incorrect information or other misprints that may appear; offers are subject to availability and blackout dates may apply; offers cannot be combined with other promotions, savings or offers and do not include tax, gratuities or service charges; additional restrictions may apply.

First of all, this is a small amount ($50). It may not worth the precious time of FW community and also my time. But one part of me says fight back the fine, and the other part of me says pay the fine and live peacefully. I would very much appreciate advice and help.I live in a large apartment complex in the west Chicago suburbs. There is some balcony maintenance work going on in our building and the manager sent out couple of notices. The latest notice asked me remove items off the balcony for a day for power wash. I did removed the items for a day and put them back after power wash. But after couple of days, manager charged me a $50 fine for not removing items off the balcony. I talked to staff in the office and they showed me a different notice which I did not receive it. It is mentioned in that notice that items should be removed for some duration (do not remember exact days). They usually leave the notices in front of the door in a hall way and I may have failed to pick it up. They refused to remove that fine from my account. I sent a certified letter asking the manager to send me the evidence to prove their claim. Manger called me after receiving the letter and refused to waive the fine.I am thinking of filing a law suit in small claims court. The point I want to make is: sending notice does not mean that I received it. Do I have any chance to win?. At least, I want them to work hard to get that $50 from me. I appreciate your help in this matter.Sorry for my poor English grammar. I may have to hire a lawyer if I want to file a law suit in small claims court because of my poor English.

US$39.99 HP DM Series DM3 (Black) Keyboard Description:
Layout: US Layout
Letter: EnglishStatus: Genuine and new!
Remark: Ribbon cable includedFull 12 months warranty!! No Returns Due To Improper Installation!NOTICE:
1. To avoid electrostatic discharge, ground yourself by using a wrist grounding strap or by periodically touching an unpainted metal surface (such as the back panel) on the computer.2. The key caps on the HP DM Series Keyboard are fragile, easily dislodged, and time-consuming to replace. Exercise care when removing and handling the keyboard.3. Before securing the latch on the system board connector, ensure that the keyboard connector is seated and the tabs on the connector are properly aligned with the slots on the system board connector. Failure to align the tabs could result in a malfunction of the computer or damage to the cable and/or the cable connector and HP Keyboard Cover .
HP Coupons

So I received an IRS CP2000 notice a few weeks back claiming that I did not claim all of my income in Tax Year 2010. (Searching on another forum, it seems like others are just now receiving their 2010 CP2000 letters as well, so my timing isn't all that off) I made a number of mistakes, which the IRS caught, and I will fully own up to. With IRS stuff, I'm usually on the "up and up" and try to make sure all my 1099-INTs and 1099-DIVs are filed along with taxable stock sales. Looking back at my 2010, I totally messed up, and I'll chalk it up to my son being born a few months prior, though I really have no other excuse. It should be noted as well that I have always filed taxes on my own using TurboTax, so the mistakes are fully mine. The IRS says I owe about $1800, not a lot of money in the grand scheme of things for us, but a chunk of change. The majority of that is from a tax increase and there is a small amount (less than $100) in interest. Oddly, what does scare me is there is a box that says "Penalties - may not include all applicable penalties" and there is nothing there - leaving me to believe that the IRS has the option to levy a penalty after I submit my response. (ugh!)Here is where I messed up:1. I failed to include SOME of my 1099-INT -- this totaled roughly $200 in additional income
2. I claimed that I deposited $2100 into my (tax deductible) IRA account, when I actually deposited that into my ROTH IRA account (Again, I totally messed up here, fully admit it) -- I was hoping to lower my tax bill by depositing into my IRA and must have had the check deposited into the wrong account.
3. I failed to include a whopping $20 in Qualified Dividends
4. My biggest failure though (and what is a chunk of the increase) is that I sold 3 stocks for a total of roughly $4500 and failed to include it on my Schedule D. Since the IRS has no cost basis for this sale, they assumed $0 cost basis and increased my taxable income by $4500. The letter that is written to me isn't asking me to file an amended 1040 for 2010, but rather proposing that I file an amended Schedule D and that if this affects other tax returns, to file a Form 1040X to the appropriate IRS Center. So it was a bit of a challenge to figure out how to open my TurboTax 2010 file (Intuit has the download on their website, FYI) and just opened the 2010 file and filled out the 2010 Schedule D. I do have my cost basis information and some tax loss carry forwards, so TurboTax was able to figure out all of that information with relative ease. My question is - I'll admit to being wrong on #1-3 above, but how should I word a letter saying "here is my amended schedule D, I messed up and didn't submit my taxable sales, but here it is.". Since the IRS isn't proposing that I file an amended return, I'm not going to file an 1040X since that would confuse them at this point. That being said, I don't know how much the proposed tax increase will be if I file my amended schedule D so I'll just pay the entire proposed amount and wait for a refund check. Any other suggestions or comments is appreciated.Thanks in advance!

This is a BEYOND AWESOME PRICE for ALL healthcare related personnel, especially Medical Students & Doctors!iTunes USA linkOfficial Borm Bruckmeier Site
Borm Bruckmeier is an amazing medical publishing company with really well known resources, including their famous "POCKETCARD" series that are regularly used in medical schools, on hospital rounds and clinical rotations everywhere.
Their pocketcards present the most succinct & updated info, clearing away the superfluous & leaving the absolute quintessential extraction of information that will help guide you when you are out on the floor& don't have time to go through a huge tome like Harrison's or even Current.Some examples of their physical media on AmazonRecently, BB had started producing apps for iTunes and although I have previously purchased 4 individual apps for $4 on sale each, they have relaunched all their apps in ONE suite today with 32 separate apps available as an in-app purchase. They are currently running an AWESOME promotion allowing you to buy the entire suite of 32 apps as a single in-app purchase for $9.99!That is PLAIN crazy considering, the totals of all those apps would be well above $140 on regular prices! The information in the suite is completely the same as the individual apps only it's easier to access in one app and provides several bonus features like bookmarks, extended history, favorites, complete suite search, personal notes and total iCloud backup.These pocketcards provide a quick and updated 'in-context' medical reference for nearly every topic you can think of on your clinical rotations or hospital service. They include a huge list of apps with great emphasis on the big specialties like Neuro & Cardio and the information on each app is just perfectly balanced, not too minimal and not complete overkill.
I have previously bought some of their Neuro apps and can vouch for the fact that it is $ well spent and in case you're wondering, I've already bought the promotion too.To give you a better idea of what you're getting, $9.99 / 32 subjects means nearly 32 cents per subject listing (below). I can't even buy a friggin bookmark for that much at my medical store let alone a complete resource of info. You will LOVE this deal so grab it quick before it endsAnyone in the medical field with an iPhone or iPad...JUMP on IT ...there will never be a better time or price! ____________________________________________________________________________________________________________________________________
iTunes app description:The Brm Bruckmeier pocketcards app contains more than 30 pocketcards spanning over 11 different therapeutic categories. This selection of essential topics provides health care professionals with concise, rapidly accessible guidance on the most clinical conditions.
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For a limited time only, you can purchase ALL apps, a value of $148.00 for only $9.99!!!! An unheard of 90% discount for a limited time only!
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Download the container app for free and you will be able to take advantage of the SUMMER SALE or browse for your topics of interest within the store and make your own personal selections using the in-App purchase convenience.
Included pocketcardsAcute Coronary Syndrome
Anesthesiology
Angiography
Antibiotics
Antithrombotic Therapy
Atrial Fibrillation
Cardiac Stress Testing
Contraception
Diabetes Mellitus
Diabetic Macular Edema
Diabetic Neuropathy
ECG
Echocardiography
Epilepsy
Heart Failure
History and Physical Examination
Hypertension
Influenza
Migraine
Multiple Sclerosis
Neurology
Oncology
Ophthalmology
Pain Management
Parkinson Disease
Pediatrics
Psychiatry
Pulmonary Function Test
Smoking Cessation
Stroke
Surgery
Wards 101
iTunes Coupons

good rated VPN wireless Router "VFG6005n":VPN Gigabit Wireless router at buy.comFeatures:5 Gigabit Ports - 1 WAN, 4 LAN for multiple PCs or server networking
32 IPSec VPN Tunnels / 16 PPTP VPN Tunnels for secure remote user access
Mobile WAN Support for WAN Failover and Fallback
Integrated 300Mbps Wireless N with Dual SSID support
Buy.com Coupons

You couldn't flip through any financial magazine in recent years without seeing several of these guys full page ads..
It seems though, that declining commissions revenue combined with next to zero interest rate (FCMs made money off of interest paid on their customers funds) forced the CEO to get "creative" - or as CFTC Chairman put it: "Money was essentially stolen by PFGBest".
The situation appears to be more like "mini Madoff" than MF Global, although customers who somehow survived MF Global experience.."had personal assurances..that they were not like MF Global," according to Lauren Nelson, director of communications for Attain Capital, an IB specializing in managed futures in Chicago.
PFGBest CEO, Wasendorf attempted suicide but failed - he's now in coma.
Not all details are known at this point as the investigation is still going on, however additional details can be found in THIS Reuters report.

Short story - Involved in a car accident in which the other driver admitted fault. Police came but never wrote a report or returned my calls. How can I prove I wasn't at fault and get my $500 deductible back? Long story -
About 3 months ago I was involved in a car accident in NY. I was making a left turn on a one-lane road, and the driver behind me tried to pass me on the left and hit the side of my car. He admitted fault after realizing the road was only one lane. We called the police, who came, took our statements, gave me a case number, and left. The other driver was a foreigner in a Hertz rental car on his way to the airport, but he did have full rental insurance. Having a nightmarish experience getting my car fixed last time I went after the other driver's insurance, I decided to go with my own insurance Geico this time. I paid my $500 deductible, and Geico paid the rest of the bill. Geico asked me to get and send them a copy of the police report so they could go after Hertz. I called the police department and provided a case number, but instead of a police report, there was only a record indicating an accident took place. The receptionist told me to contact the officer at scene directly. I have since been trying to get a hold of that officer. I left 5-6 voice messages in the first month. Then Geico told me they'd take care of it, so I stopped. A week ago Geico was asking for the police report again since the other party didn't even report the accident to Hertz. Again the officer never returned any of my numerous voice mails and never wrote up that report. So my questions are now1) Is there any other way I can get a police report filed? I'm hesitant to escalate the issue since I don't want a cop with a grudge in my backyard.
2) What would be my chance of getting that $500 back if I fail to get a police report? I didn't collect any other evidence at the scene since I thought a report would be sufficient. What would the chance of that affecting my insurance rate?
3) How can I do better in the future in terms of collecting evidence and making the whole process less frustrating for myself? Other than getting a crown vic?Thanks in advance!

Seems to be the best price for this portable wireless-N router. Beats other reputable sellers by $12 and up. Decent reviews from massive jungle, check them out HERE.Link
Promo Code: EMCNCJN227Features:* Enables internet access through 4G/3G wireless broadband networks, existing WiFi, or Ethernet -based data services ( Cable / DSL / Satellite )
* Supports most wireless data modems from the leading carriers (modem and service sold separately )
* Special Feature: Use WiFi as a Data Source
* Configurable Designate the Ethernet port as "WAN Mode" and create a WiFi hotspot from a wired internet connection. (Cable/DSL)
* Pass-Through VPN Connection Support Enables a laptop with a VPN client to create a secure tunnel to corporate networks. (IPSec, L2TP, PPTP)
* Network Failover Support When using a wired internet source (DSL/Cable Modem) connected to the Ethernet port, the CTR35 will detect an internet outage and switch to an attached 4G/3G data modem.
TIP: Use your CTR35 + 4G/3G modem to back up your home network when not traveling.
* Supports up to 16 WiFi Connections at a Time
* Two WiFi Networks (SSIDs) (1 for owner / private + 1 for guests / public)
* Ethernet port to connect devices without WiFi
* Prevent unwanted access to connected computers with SPI Firewall and Network Address Translation (NAT) Security features for safer internet access (URL filtering, traffic filtering, DMZ, virtual server, port forwarding)
Newegg Coupons

Use code JULGET20 at checkout.No exclusions that I can see.Limit one discount per customer. 1 time use promotional code valid on sports and outdoor purchases up to $1,000 through July 13, 2012 11:59 PM (PT) or while supplies last. Maximum discount applied will be $200 on qualifying products sold by Amazon.com at www.amazon.com/julyoffer and eligible for purchase with the Amazon.com Rewards Visa Card. Amazon.com reserves the right to cancel the promotion at any time. Offer must be redeemed through the Amazon.com shopping cart using your Amazon.com Rewards Visa Card as your payment method. Offer must be redeemed at the Amazon.com web site, www.amazon.com. Products sold by other merchants or third parties do not qualify for this promotional offer. Offer 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. If Amazon.com is not the seller, this will be noted on the product detail page. Taxes, gift-wrap, and shipping and handling not subject to discount. Offer may not be combined with other claim code-based offers. Offer is not for resale and is not redeemable for cash. Offer cannot be applied to orders already placed with Amazon.com. If you return an item purchased using the offer, you will receive a refund for the amount paid for the item. Void where prohibited. Chase is not responsible for provision of or failure to provide the stated benefits and services.
Amazon Coupons

AOMEI Partition Assistant Pro Edition V5.1 for PC - Free Today Only RETAIL $36.00 The Ultimate Hard Drive Partition Management SolutionWorld's first multi-language partition software: English, German, French, Spanish, Italian, Japanese and Chinese
Migrate OS to SSD/HDD: For many SSD users, this simple wizard could help them migrate OS to SSD and keep the original OS
Partition Alignment: Easily improve the speed of disk on reading and writing data, especially for SSD
Partition Recovery: Recover lost or deleted partitions with several simple steps
Make Bootable CD: Performs safer disk partition management under WinPE mode and boot from CD/DVD, USB flash drive
GPT and MBR Conversions: Convert GPT disk to MBR disk without data losing and vice versa
Rebuild MBR: Rewrite the correct Master Boot Record to the MBR corrupted hard disk to fix the boot failure
Linux partition management: Create, delete, format, wipe, copy, recover Ext2/Ext3 partition
Change Partition Type ID and Change Serial Numberhttp://www.bitsdujour.com/software/aomei-partition-assistant-pro...

$40 off after mail in rebate. 5/5 average eggs rated with 51 reviews. Features up to 510MB/s read and 360 MB/s write time and an industry leading 5 year warranty. $299.99 List
-$60.00 Instant
-$40.00 Mail in Rebate
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--------------------
$199.99 FinalLINKThe Plextor M3 SATA 6Gb/s SSD series provides read/write speeds up to 525/445 MB/s in sequential mode and up to 70,000/65,000 IOPS in random mode. M3 SSDs uses the latest SATA 6Gb/s (SATA III) interface, Marvells server-grade controller, and Toshiba 24nm Toggle NAND flash. Also supported by the flash is a 1.8V power mode, providing the M3 with extremely low-power consumption making it a very eco-friendly product.The M3 features exclusive firmware with True Speed, including Plextors proprietary Bad Block Management, Global Wear Leveling, and Instant Restore technologies that optimize performance. True Speed is designed to prevent drastic drops in read/write speeds that normally occur with SSDs after prolonged use or when data becomes heavily fragmented. True Speed technology will maintain the M3 high performance and read/write speeds at like-new levels throughout the life of the drive.Plextor strives to exceed industry standards with rigorous benchmark testing; before leaving the factory, each Plextor SSD is put through a 20-hour high temperature burn-in test and an intense simulation of real world environments. As a result, Plextor SSDs have a 0.59% average annual failure rate, which is one of the lowest in the industry. The M3 offers a perfect solution for businesses, power users, serious gamers, system integrators, and anyone who demands a drive with high efficiency and fast performance. The M3 is available in 64GB, 128GB, 256GB, and 512GB capacities.

Today Only! Pick up this newly released CD by Ed Sheeran titled + (plus). Preview some songs HERE.Ed Sheeran is blessed he seems to know exactly where he is going, and exactly how to get there. Where countless others fail to make an impression amid todays information overload, Eds music and talent cut straight through.LINK1. The A Team(4:21)
2. Drunk(3:19)
3. U.N.I.(3:48)
4. Grade 8(3:01)
5. Wake Me Up(3:48)
6. Small Bump(4:18)
7. This(3:16)
8. The City(3:55)
9. LEGO House(3:03)
10. You Need Me, I Don't Need You(3:40)
11. Kiss Me(4:38)
12. Give Me Love(8:48)
13. [CD-ROM Track]
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Hi folks,I live in the NYC area in one of those strange real estate entities known as a "co-op". A co-op is in some ways similar to a condo, but you actually own shares in a corporation, blah blah blah. I'm in the process of re-fi'ing my co-op mortgage, and I'll be getting a good rate. Part of the process is to fill out and return a boatload of documents to the lender, of course.I received a "Good Faith Estimate" of costs required at and before closing that outlined all kinds of things, such as appraisal, flood insurance certification ,etc. You know -- the typical stuff. I had to sign off on that, and return it acknowledging these costs.I also signed/returned a document labeled "Agreement Concerning Non-Refundability of Advance Fees". One very salient line in that document read this way:After receiving your Good Faith Estimate and indicating that you will proceed with the application, no advance fees will be collected from you prior to closing unless you decide to cancel your loan application. (emphasis mine)Of course, a couple of days later I received a letter from the attorney selected by the lender, and the attorney said I needed to forward two checks for:UCC-1 Financial Statement filing
Lien SearchTogether, these come to $425 in additional fees. I must note here that all other fees/closing costs were folded into the new loan -- as outlined by the Good Faith Estimate. In other words, there was to be no out of pocket expenses for me.So, here are the issues:The lender did not note or itemize the UCC-1 and Lien Search requirements in the GFE document. The lender also specifically stated that no advance fees would be required prior to closing (unless I canceled). These documents from the lender were signed by me and the Mrs. and returned prior to this new communique from the bank's attorney for closing.I've pointed out to my lender that there was NO mention of these fees in any documentation prior to the attorney missive, and that their own document specifically states that no advance fees would be collected. The lender doesn't seem to know yet what to do here. My mortgage rep said she had to "get back to me". I'm wondering if they think they are in a bind on this, legally. Now, do I want a "pyrhhic victory" by winning on the merits and not getting my re-fi? Of course not. But I'm tee'd off about this, and legally, I don't know how I could be forced to eat these costs "after the fact", as they say. Any legal-beagle types here knowledgeable about real estate/financing law want to chime in? Yes, these document filings are necessary. But we've already entered into a legal contract, and contracts can't just be enforced to the benefit of one side. In other words, if I canceled the "contract" (agreement to go forward with the loan) at this point, I'd be out $500. So why, then, shouldn't the lender have some risk for its own failures or oversight?TIA.Edit: I'm pretty sure someone's going to chime in and say "Good Faith Estimates" are not binding, and I acknowledge that. However, it's the other document that's problematic for them -- the one with the specific verbiage about "no advance fees will be collected...". I don't see any other way to read that, as it binds ME to the process. It necessarily binds them, too.

Seems to be $10 cheaper than other sellers currently for this SSD. Features up to 525 MB/s read and 500 MB/s write times (for SATA 6Gbps) and 4KB random write performance of 50k IOPS. 4/5 eggs rated with 66 reviews.LINKOCZ Agility 3 SATA III Solid State Drives are designed and built to provide an exceptional balance of performance and value. The Agility 3 Series implements the cutting-edge SATA 6Gbps interface to deliver excellent sequential and random data transfer rates, significantly improving your computing experience over hard drives.In addition to enhanced performance, an Agility 3 upgrade promotes cooler, quieter, and more energy efficient conditions compared to traditional mechanical hard drives. With no moving parts, SSDs provide peace of mind with their superior durability and reliability. Unique and innovative, Agility 3 SSDs deliver a one-of-a-kind storage solution.
ENGINEERED FOR COST-EFFECTIVE PERFORMANCE
The OCZ Agility 3 SATA III Solid State Drives are designed and built for cost-effective performance. By leveraging the latest SATA 6Gbps interface and the second generation of SandForce SSD controller (SF-2281), the Agility 3 pushes the limits in both sequential and random data transfer rates with up to 525MB/s read plus incredible 4KB random write performance of 50,000 IOPS. This significantly improves your productivity, gaming, multimedia, and overall computing experience. It is backwards compatible with SATA II / 3Gbps, and is also compliant with ATA/ATAPI-8 Standard Native Command Queuing (NCQ). (Max performance achieved using Native SATA 6Gbps chipset. Rated speeds may vary slightly depending on the benchmark used, drivers, windows version, bios version and file size.)A SUPERIOR PC EXPERIENCE
In addition to enhanced performance, an Agility 3 upgrade promotes cooler, quieter, and more energy efficient conditions compared to traditional mechanical hard drives. With no moving parts, SSDs provide peace of mind with their superior durability and reliability.TRIM SUPPORT
The OCZ Agility 3 offers native TRIM support featured in Windows 7 and Windows Server 2008 R2. Designed to maintain the performance of SSD at an optimal level over the lifetime of the drive, TRIM functions by actively deleting invalid data from the SSDs memory cells to ensure that write operations perform at full speed. Since a memory block must be erased before it can be re-programmed, TRIM improves performance by pro-actively erasing pages containing invalid data, allowing the SSD to write new data without first having to perform a time-consuming erase command.S.M.A.R.T. TECHNOLOGY
The OCZ Agility 3 adopts Self-Monitoring, Analysis and Reporting Technology (S.M.A.R.T.) which enables the PC to predict the future failure of hard disk drives. Through the SMART system, hard disk drives incorporate a suite of advanced diagnostics that monitor the internal operations of a drive and provide an early warning for many types of potential problems. When a potential problem is detected, the hard drive can be repaired or replaced before any data is lost or damaged.ECC RECOVERY
Designed with the file verification and repair tool- ECC Recovery, OCZ Agility 3 provides up to 55 bits correctable per 512-byte sector (BCH), protecting your important files and sensitive data against digital corruption by using Reed-Solomon codes.
Newegg Coupons

Go here,
Then apply coupon EMCNDJA49The deal is mostly for the Samsung EcoGreen drive inside, the enclosure looks a bit "unconventional". Some say the enclosure may fail in the future, while drive remains OK. (Is there some firmware update needed?)
Also, power cord is European, but a free adapter is included. Power supply takes both 120 and 220 V anyway.
Newegg Coupons

Save $20 after mail in rebate on this popular SSD. 4/5 eggs rated with 142 reviews. LINK
$20.00 Mail in Rebate
OCZ Agility 3 SATA III Solid State Drives are designed and built to provide an exceptional balance of performance and value. The Agility 3 Series implements the cutting-edge SATA 6Gbps interface to deliver excellent sequential and random data transfer rates, significantly improving your computing experience over hard drives.In addition to enhanced performance, an Agility 3 upgrade promotes cooler, quieter, and more energy efficient conditions compared to traditional mechanical hard drives. With no moving parts, SSDs provide peace of mind with their superior durability and reliability. Unique and innovative, Agility 3 SSDs deliver a one-of-a-kind storage solution.
ENGINEERED FOR COST-EFFECTIVE PERFORMANCE
The OCZ Agility 3 SATA III Solid State Drives are designed and built for cost-effective performance. By leveraging the latest SATA 6Gbps interface and the second generation of SandForce SSD controller (SF-2281), the Agility 3 pushes the limits in both sequential and random data transfer rates with up to 525MB/s read and 500MB/s write, plus incredible 4KB random write performance of 45,000 IOPS. This significantly improves your productivity, gaming, multimedia, and overall computing experience. It is backwards compatible with SATA II / 3Gbps, and is also compliant with ATA/ATAPI-8 Standard Native Command Queuing (NCQ). (Max performance achieved using Native SATA 6Gbps chipset. Rated speeds may vary slightly depending on the benchmark used, drivers, windows version, bios version and file size.)A SUPERIOR PC EXPERIENCE
In addition to enhanced performance, an Agility 3 upgrade promotes cooler, quieter, and more energy efficient conditions compared to traditional mechanical hard drives. With no moving parts, SSDs provide peace of mind with their superior durability and reliability.TRIM SUPPORT
The OCZ Agility 3 offers native TRIM support featured in Windows 7 and Windows Server 2008 R2. Designed to maintain the performance of SSD at an optimal level over the lifetime of the drive, TRIM functions by actively deleting invalid data from the SSDs memory cells to ensure that write operations perform at full speed. Since a memory block must be erased before it can be re-programmed, TRIM improves performance by pro-actively erasing pages containing invalid data, allowing the SSD to write new data without first having to perform a time-consuming erase command.S.M.A.R.T. TECHNOLOGY
The OCZ Agility 3 adopts Self-Monitoring, Analysis and Reporting Technology (S.M.A.R.T.) which enables the PC to predict the future failure of hard disk drives. Through the SMART system, hard disk drives incorporate a suite of advanced diagnostics that monitor the internal operations of a drive and provide an early warning for many types of potential problems. When a potential problem is detected, the hard drive can be repaired or replaced before any data is lost or damaged.ECC RECOVERY
Designed with the file verification and repair tool- ECC Recovery, OCZ Agility 3 provides up to 55 bits correctable per 512-byte sector (BCH), protecting your important files and sensitive data against digital corruption by using Reed-Solomon codes.
Newegg Coupons

Clek Olli backless booster with Rigid LATCH in Scurvy Camo at Amazon for only $58.23! This is a seriously amazing price on this booster. Olli's normally sell for $80-125. Eligible for FREE Prime shipping, and has FREE returns! Get yours quick before Amazon raises the price back up, and they will...Clek Olli Backless Booster - Scurvy CamoThe Clek Olli uses Rigid LATCH to secure the booster seat to the vehicle. This accomplishes two things. Firstly, Rigid LATCH has been shown in testing to reduce seat rotation during a side impact crash. I'm a HUGE fan of Rigid LATCH and think it should be on many more car seats sold in the USA. I like it and recommend it! Secondly, it secures the booster seat to the vehicle when not in use. With a normal booster you MUST remember to buckle it in when not in use, or it WILL become a very large and heavy projectile flying about your vehicle in the event of a crash. Do you want to get hit in the head with something that big and heavy flying at you around 20-60+ MPH? I know I don't!Now... Appropriate ages and emotional maturity for booster usage:4 years AND 40 lbs is the BARE minimum for booster seat usage! No child younger or smaller than this should EVER be in a booster seat! Most children at that bare minimum do not fit properly in a booster seat, regardless of what your state law says. My physics trumps your state law each and every time!Boostering is about 30% fit and 70% maturity. Firstly, your child has to properly fit in a booster seat. That means the shoulder belt lies across from the shoulder and through the sternum. If it rides high on the neck, then the fit is wrong. If it doesn't bisect the strongest part of the chest, then the fit it wrong. Next is the lap belt. That has to ride low on the hips. If it is riding high on the abdomen or into the stomach area then the fit is wrong. If all these things are correct, then we have to look at the emotional maturity of your child. They must be able to sit 100% correctly in the seat 100% of the time. Not some of the time. Not most of the time. Not almost all of the time. 100% all of the time. Every single time. If your child fails that test at all, then they are not ready for a booster. Even then, you need to make sure that you put the child safety locks on the back doors so they can only be opened from the outside.Now, tell me... Is your child ready to stay boostered? If all of the above answers are correct, then keep them boostered. If your child fails any of the above tests, then no. They are not ready for a booster and should still be in a 5-point harness until they are. If you have any other questions, do not hesitate to ask.Is your child ready for an adult seatbelt? Do the 5-Step test below:1) Does the child sit all the way back against the auto seat?2) Do the child's knees bend comfortably at the edge of the auto seat?3) Does the belt cross the shoulder between the neck and arm?4) Is the lap belt as low as possible, touching the thighs?5) Can the child stay seated like this for the whole trip?If you can answer "yes" to every question, your child is okay to ride without a booster. If you answer "no" to any of these questions, your child still needs a booster in order to be safe.
Is my child ready to sit in the front seat?The bare minimum for a child to sit in the front passenger seat is 12 years old. Period. End of discussion. This is the law in most states. If it isn't in your state, then your car seat laws suck. My personal preference is to push it to 13 years old because that extra year will give them both the height for a better seat belt fit, and the weight to better control the weight sensors in the seat for airbag deployment.
Amazon Coupons

Just when I thought Chase couldn't possibly be any dumber, they go and do something like this... and totally redeem themselves!For those that missed the excitement back in September here is the history and the pleasant surprise that happened today.Last Summer I made heavy use of the Chase AARP card earning 5% on many of my purchases. Aside from gas and groceries I may have bought some other things including dollar coins, transferred money to friends via Amazon Payments, bought items from vendors through Google Checkout, and purchased Cadbury Eggs.For some reason (they claimed I used the card not as intended and abused the rewards program), Chase shut down not only my AARP card but my Chase Freedom spender with a lousy $1,000 limit to boot. They also failed to give me the rewards I earned in the last month because my card was closed one week prior to the date rewards would have been paid out.Today, out of the blue almost nine months after the cards were closed I received a check for more than $600 for the unpaid rewards with a letter. The letter essentially stated why my cards had been closed It further stated that the cards would not be re-opened. They go on to say that they do not believe that I earned the points but that they are providing the check as a show of good faith. Then more legalese regarding the account closure, matter should now be fully resolved, contact them if I have questions.I am guessing that someone else who was screwed out of their rewards in a similar matter either complained or sued and someone decided that stiffing us could bite them in the ass at a future date.Although I called to ask why the account had been closed I did not make a big issue of it because I didn't want to end up on any problem customer list the next time I want to apply for one of their cards.I am sure there are others on this forum who had a similar experience last Summer. I wanted to share my story for their benefit.

http://www.amazon.com/Traditional-British-Recipes-Collection-ebo...Special Jubilee Collection of Jane Romsey's four Traditional British Recipe Books. Great value. Clickable Table of Contents. Conversion Charts included.
PLUS: BONUS RECIPE FOR CRUMPETS!Total of 78 Recipes:
Victoria Sandwich Sponge Cake​
Honey and Orange Tea Loaf​
Cut and Come Again Cake​
Rock Cakes or Buns​
Moist Lemon Cake​
Raspberry Buns​
Paradise Cake​
Marmalade Cake​
Oatmeal Gingerbread​
Marmalade and Ginger Slice​
Traditional British Christmas Cake​
Battenberg Cake​
British Fairy Cakes​
Never-Fail Boiled Fruit Cake​
Parkin​
Tantallon Cakes​
Madeira Cake​
Tea Fruit Cake​
Seed Cake​
Eccles Cakes​
Very Proper English Custard​
Spotted Dick​
Bakewell Pudding​
Treacle Tart​
Apple Crumble​
Jam Roly-Poly​
Manchester Tart​
British Sticky Toffee Pudding​
Chocolate Fudge Pudding​
Traditional English Sherry Trifle​
Bread Pudding​
Glastonbury Pudding​
Bread and Butter Pudding​
Figgy Pudding​
Marmalade Pudding​
Belvoir House Pudding​
Ginger and Pear Upside-down Pudding​
Traditional Rice Pudding​
Chester Pudding​
Steamed Syrup Sponge Pudding​
Monmouth Pudding​
Chocolate Bread and Butter Pudding​
Scones​
Basic Plain Scones​
Basic Tea Scones​
Buttermilk Scones​
Currant Scones​
Treacle Scones​
Apple Scones​
Walnut and Raisin Scones​
Cheese Scones​
Potato Scones​
Cheddar and Chive Scones​
Soured Cream Scones​
Strawberry Yoghurt Scones​
Orange and Cherry Scones​
Honey Scones​
Dropped Scones​
Digestives​
Gingernuts​
Flapjacks​
Shrewsbury Biscuits​
Ayrshire Shortbread​
Almond Shortbread​
Petticoat Tails​
Garibaldi Biscuits​
Cornish Fairings​
Abernethy Biscuits​
Jam Thumb Biscuits​
Bourbon Biscuits​
Custard Creams​
Anzac Biscuits​
Treacle Bites​
Rich Tea Biscuits​
Savory Cheesy Biscuits​
Coffee Biscuits​
Arrowroot Biscuits​
Jammie Dodgers​
Crumpets

http://www.drinkyourvitamins.com/contact-us/requests/product-sam...
NOTE: After you submit this form, you will receive a confirmation email with a verification link that you will need to activate. If you fail to receive this, please check your spam filters and set them to allow incoming email from drinkyourvitamins.com. Once you receive the email and complete the verification process, we'll send you not only a free sample packet of our delicious ENERGY multi-vitamin, but also a packet of our thirst-quenching SPORT formulaa $2.50 value! We are limiting use of this form to once per email address per 24 hour period. Thank you.info on Energy- http://www.drinkyourvitamins.com/ola-loa-energy-multi-vitamin-dr...info on Sport- http://www.drinkyourvitamins.com/the-sport-formula.html

I read on one thread, that the search hasn't been helpful finding, that Chase (and other banks) will cash out gift cards.I have a few thousand in Vanilla Visas that were declined. The teller said they do a "cash advance". Does anybody have any success with cards available at CVS/Walgreens that can be sucessfully cashed out or know the reason the Vanilla Visas are failing? Each is for $500, and I had the teller try $495.

I set up a PayPal link to an AMEX prepaid card. I noticed I can deposit (push) funds into this prepaid card but when I tried to withdraw cash (pull), it failed and subsequently PayPal removed this particular link. Is there any way I can get CASH out of an AMEX prepaid card? I need cash out without spending the funds I loaded into my prepaid card.

I set up a PayPal link to an AMEX prepaid card. I noticed I can deposit (push) funds into this prepaid card but when I tried to withdraw cash (pull), it failed and subsequently PayPal removed this particular link. Is there any way I can get CASH out of an AMEX prepaid card? I need cash out without spending the funds I loaded into my prepaid card.

Please take a minute to read this entire post. I know its long, but it will help anyone considering taking the CFP exam. I took the CFP exam last year and failed. I took it again this past March and passed. As part of my preparations, I took the Zahn CFP review, which was recommended to me by a colleague. I wanted to pass along feedback about my review experience. Often times you hear or read testimonials or recommendations, which are based on opinion and not fact. I wanted to provide feedback, based on facts. I took the Zahn CFP review course and my overall opinion is that students should beware of the Zahn review. There are three main problems with the review. #1 - During the review he gives a false sense of confidence that he knows whats on the exam and it just wasnt true. There were plenty of times he would say, this will be tested and it wasnt or this wont be tested and it was tested. #2 The no free repeat policy should make anyone question why you would take a review from a company that doesnt guarantee results. #3 - The materials and database are totally inadequate to prepare for the exam. The CFP exam questions are long, with 4-5 sentences in the question stem. Zahns questions are just the opposite. Here are some examples:Lame Zahn Database Questions:
What is DNI?
What is a simple trust?
What is a marital trust?
What is a totten trust?I never saw a question on the exam that was 5 words or less. There were plenty of questions that were 4-5 sentences long, but not 4-5 words.Poorly Written Questions:
When will the spouse qualify for the unlimited marital deduction?Are you asking about a citizen spouse or non-citizen spouse? Which spouse? The deceased spouse or the living spouse? What does when mean? Are you asking about the property to qualify for UMD?
Which of the following is true?
A. It is better to pay the "kiddie" tax than trust tax rates if the taxable income is $2,000.
B. It is better to pay trust tax rates than the "kiddie tax" if the taxable income is $2,000.
C. Neither A or B is correct because it depends on the parents marginal tax bracket.
D. PuntThis is a true/false question. There are zero true/false questions on the exam. This is also an example of a lazy question. Answer choice D is punt. Thats a lazy question writer who doesnt care about their materials. The Zahn review actually charge their customers for this nonsense!Two Directly Opposite Statements Asserting both are True in the Explanation:
Answer explanation to a question regarding a simple trust: A simple trust requires that all income must be distributed. The trust is treated as a separate tax entity subject to a $300 personal exemption.
Answer explanation to another question regarding a simple trust: The trust does get a $300 personal exemption. The simple trust is not considered a separate tax entity...Well which is it? Is it a separate tax entity or not? There are plenty of other examples as well.There are a Limited Number of Practice Questions in the Database:
200 questions per subject
No mini cases
No cases at allThe exam had about 12 mini cases, 3 major cases on the November exam and 2 major cases on the March exam.Overall Assessment
The problem is if you score well on Zahns database of questions, you are simply getting a false sense of security about your depth of knowledge. Many of the questions are poorly written and few simulate CFP exam questions, which tend to have long stems, difficult answer choices and tend to be of a cognitive level above simple knowledge. For most students, practice questions with strong answer choice selections that are incorrect are important in the learning process. Zahns answer choice selections are obvious which answers are incorrect, like the punt example. Most of Zahns questions are at the knowledge level, not application, evaluation or synthesis. I cannot recommend the Zahn review given my experience with the instruction, no free repeat policy and poor materials and database.By the way, What is DNI? Do Not Invest Time or Money with Zahn!

Free crafts for June 2012:June 2: Snazzy Garden Snail - This no-fail snail craft is guaranteed to get little artists to come out of their shells!June 9: Flip-Flop Notepad - Fun is afoot...as children design and decorate a notepad that looks like a real flip-flop!June 16: Key Keeper - Dad will never lose his keys again-with a hanging key keeper that makes the perfect Father's Day gift!June 23: Summertime Door Hanger - Celebrate the arrival of summer-with a scenic sandy beach that children can design and hang on a door! June 30: Star-Spangled Shaker - Let freedom ring with a patriotic noisemaker that kids will love to shake.http://www.lakeshorelearning.com/general_content/store_locations...Locations: http://www.lakeshorelearning.com/general_content/store_locations...

Happy Memorial Day everyone, let me get to the facts:There is an opportunity for me to invest into an already running private tech company (corporation). I will keep all pertinent things I need to anonymous (obviously.)1. Company is 4 years old, started with 2-3 employees in a basement, moved to a 2000sq office with 14 employees, now has 38 employees in a 5500 sq office. Plans to add 40 more jobs in next 2 years.
2. Company's board of directors are all 35-65 in age with extensive successful experience.
3. Company has received a 2 million $ 9 year loan from the city (company does not plan to move to Silicon Valley etc, it wishes to stay.)
4. Company has received 400k seed money last year from 2 VC firms.
5. Company has signed a deal with a major Fortune 500 in the last year, as well as a smaller area business in as different state to provide its services.My friend and his family were one of the first accredited Angel investors (and my friend is going to be engaged to his son soon) and this is how I got to know of the investment. I met with a board member for 3 hours and they answered my questions very thoroughly. However, my one major hiccup was this: The board member is selling off a portion of their personal shares to us.Now when I was talking to this person, this was the only question I didn't quite get the warm and fuzzy feeling on. They said they were selling some of their stake because "I'm in a unique position in time to sell some of my stake to better help the business, myself, and you." The company has (changing numbers to keep anonymity) 8 million shares at 3$ each. All directors and investors have the same common shares, no preferred etc. I asked "Why are we not buying some outstanding shares; why are we buying YOUR shares?" Again, this person seemed clueless until I showed them public companies in which directors dump their shares while they were worth something. The director indicated this is not the case. They said "Because of who I am, I have a small window where I can liquidate some of my shares for the greater good of everyone (more or less.)" My thinking was this: The cash needed in a timely fashion is still a big roadblock. Selling your shares offers no advantage to yourself unless you think the company has stagnated. If you think company will take off, sitting on your shares seems like a no brainer. If you think company is leveling off/wont be bought out, selling your shares is only advantageous to yourself by selling a stagnant and illiquid stock (not personal to [company], but any private company. If have lots of friends/aquaintances who are wealthy and you need fast cash, why not skip all this and ask for a loan?"I talked to my friend who is already invested and will be investing more, and this person said "The director obviously needs money for something. They did not tell me why either. Frankly, I do not care. If I am getting common shares for money given, that is all I care about." After playing devil's advocate for awhile, it seemed as if my friend and the family were brainwashed into thinking this was a no fail investment. The company plans to get bought out eventually for their extremely tailored service which should be appealing to a larger firm. However, I am skeptical because in the chain of events from initial investment -----> cashing out and everyone walking away rich, there are a lot of roadblocks. VC share dilution, bankruptcy, scamming, never getting bought out, etc.... Sometimes I feel they are throwing away good money after bad, but I could be wrong.The director also told me of a handful of patents that they sent out, a couple have been issued thus far (allegedly of course.) Now, I went to the patent search box for the USA and saw nothing when I searched for any query (directors, company name, etc). However, I did find trademarks issued. I don't know if the director knew exactly he was referring to trademarks, because that is what I found. The director texted me saying "Each one of the patents are clearly around a seperate aspect of the Company. Our attorneys have reviewed IP heavily over the past months."FWIW my investment would be 15-20% of my net worth, if I decide to. I would also be under the umbrella of my friends' family with a seperate contract with them, since I am not accredited, and that would be a whole 'nother issue (I do trust this family life and limb though.)Thoughts? I will try to add more info to this that's needed if I think of it.

Been watching this toaster oven as a replacement for my failing cruddy old one. This one looked decent, has 4 star average reviews (out of 208) and matched my kitchen appliances (stainless).
Link to Toaster OvenProduct Features 1800 Watts to toast, bagel, bake and broil with a full size interior holds 11 inch pizza and 6 slices of toast
Stainless steel front with rubberized easy grip dials and cool touch handle with easy clean nonstick interior and a front removable tray
Always even shade control monitors the temperature and adjusts timing to consistently toast to the shade selected every time
Convenient auto side-out rack for hands free loading and easy removal of cooked foods and automatic shutoff safety feature
Ships in Certified Frustration-Free PackagingThis is a pretty big oven so check it will fit in the space you intend.Been watching the price which usually stays at $79.95 with dips in the $73-$75 range every so often.
Link for Price TrackingNoticed today that it had dropped to $64.79 with Free SSS.I just ordered it and hope it is as good as the reviews say.Here is another review where they like this one as well.
ReviewHope this helps someone out there in FW land!
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I never read posts about individual free Kindle books, but this one is different. This is a great, nonfiction scholarly book about the Revolutionary War era and thereafter. Probably the best book I have read on the subject, very enlightening about the US's first failed attempt to form a Confederacy. Link:http://www.amazon.com/gp/product/B005CW519Q/

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Store SKU # 271687LINKon clearance in store for $27 & change. Misplaced the receipt but it was a yellow clearance sticker. Regular price on the shelf showed as $49 though the online item shows $39.Mixed reviews on Amazon which has it for $43. At least one of the reviews says that the 2AA version fails quickly. The one from HD is the 4AA version which is supposed to be fine. It's working well, the biggest drawback is the display-less knob interface. I've not found a 2-zone water timer anywhere close to $27 so I'm willing to live with the clunky interface. Set it up once and it's done.The Home Depot Coupons

I've been going to a dentist I can't stand, but he's in my insurance network. I need a bunch of dental work done. The treatment plan is to get both upper and lower partials and crown eight front upper teeth. The initial plan was to crown 2 teeth as an abutment for an upper partial. The insurance company approved one crown and the partial. The crown was done (temporary currently).

I decided to go all the way and crown all front upper 8 teeth, which changed the treatment plan to include a lower partial. They never got back to the insurance company and the window closed on the approval for the upper. My dentist had to re-submit but now for upper and lower partials. He went ahead and started the work for the partials by doing first and second impressions, bite registration, etc. Everything is done, except having the lab make them, which he would do once the approval came through. I will be paying for the crowns myself. It's been 6 months of nothing but screw up after screw up by his office and today I get denials for both partials as the dentist failed to submit a mouth charting and full treatment plan. I've seen on my chart the bill so far is over $800. This is the most incompetent place I have ever been to. They've gone through dozens of staff because the Dr. is an insufferable bast@rd. It would take me pages to describe all the crap I've been through with his office. I am sick of all of it and want to take my business elsewhere which brings me to this dilemma. He started work on the partials (without discussing it with me) in anticipation of the insurance company footing the bill. Not he nor anyone else there ever discussed money, prices or bills with me. I verbally agreed to pay $3500 for the 7 additional crowns ONLY. I never was given any sort of paperwork with estimates, etc. I haven't signed anything in regards to any work.

If I choose to never go back and have the work done elsewhere, can I be held liable for the work he did? If he bills me for the work, do I have any leg to stand on against paying it since I never agreed to pay anything for the partials? IMO he never should have taken it upon himself to start work on the partials without the insurance approvals in advance.

Text

http://www.alternet.org/news/155442/wells_fargo_has_blood_on_its...Husband and wife purchased home in 2000 with 30% down. Seven years later they refinance payment option ARM under questionable circumstances. A couple years later, the bank(Wachovia at the time) claims they missed a payment, they prove otherwise, bank continues debt collection treatment and eventually sends an intent to foreclose while also telling homeowners their account is current. They apply for a loan modification. Bank won't accept payments on the basis the loan is being reviewed for a modification. Homeowners continue receiving money demands and foreclosure notices, as well as having their payments refused. Bank was requesting docs while saying it had already received them, loan mod denied due to missing docs, lots of fees, etc...what we have come to accept as the unfortunate typical loan modification procedure. The wife claims she had the money to make it work. Eventually they were given five days to get out of the house. Husband bought a motorhome for them to live in, which broke down as soon as it got back to the house. The next day he took his life.Wells Fargo was kind enough to offer to let her and her son stay in the house a little longer. She declined.

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I have a hard time believing I'm the only person who does their finances this way, so there must be some workaround that I haven't figured out yet.My CC due dates and autopay dates are not necessarily the same. IIRC, AMEX's autopay is due date-7 days, Discover is autopay-5 days, etc. Anyway, my point is, the dates don't line up. I've recently moved to Fideilty's Fullview (Yodlee backend) to try simplifying my personal finances, and it too fails on this point. All I care about is knowing how much an autopay will draft and on what day that draft will occur. That way I can make sure that I have sufficient funds to cover those autopays. Is there some trick to Fullview/Yodlee or Mint that displays by autopay date and not "due date"?Right now I have all autopays set to pull from my schwab checking, which can overdraft from my schwab savings. I thought about just leaving it alone and having overdraft protection do its thing, but with >6 accounts set to autopay, I have to manually combine a couple of transfers to keep my schwab savings under 6 transactions/month. Also complicating that route is that since schwab's interest rates nosedived last year, most of my liquid funds are now with AMEX.Here's how I'm currently tracking bills (and what I would like to stop having to keep current). Numbers have been rounded:
BoA V5/23 200 + 130 pending (As of 5/13/12)BoA MC00 + 0 pending (last used never) (As of 5/13/12)Fidelity5/24 2175 + 600 pending (44 CB balance) (As of 5/13/12)Citi5/13 15 + 66 pending (1400 TYP) (last used 5/2012) (As of 5/13/12)Discover gas00 + 0 pending (32 CB balance; 2% on 250 gas/restaurant monthly; 2% on 500 during birthday month; 2% cable/phone/internet thru dec31) (last used 9/2011) (As of 5/13/12)Discover platinum5/13 550 + 700 pending (charge 500 each month apr,may,jun for $75 cb) (5.54 CB balance; 5% on 1500 restaurants/movies apr1-jun31, 300 groceries may1-31) (last used 5/2012) (As of 5/13/12)AMEX5/22 26 + 25 pending (5.89 CB balance) (last used 5/2012) (As of 5/13/12)Brooks00 + 0 pending (8 CB balance) (last used 12/2011) (As of 5/13/12)Chase rewards plus00 + 0 pending (5 CB balance, 5% on 1500 in groceries/movies apr1-jun31) (last used 11/2011) (As of 5/13/12)Chase Freedom5/28 695 + 155 pending (101 CB balance, 5% on 1500 in groceries/movies apr1-jun31) (As of 5/13/12)CapitalOne5/21 8 + 0 pending (last used 4/2012) (As of 5/13/12)Electric company6/3 75Macy's AMEX00 + 0 pending (As of 5/13/12)Macy's Store00 + 0 pending (As of 5/13/12)School5/31123 + 0 pending (As of 5/13/12) (scheduled to pay from schwab)

UPDATED 11/10/10
My FAQ for the Car Rental Thread, trying to cover more angles than the other one. This is the first draft, still subject to revisions as I think of them. In an effort to keep from having to repost the same info repeatedly, I suggest we point to this for all new requests that fail to show any homework. Hopefully, it'll become a sticky. In the works- a short list of safe, reliable codes.NOTE: this is NOT the correct thread to ask for deals on cars. Those should still go on the Matrix thread (http://www.fullofdeals.com/forums/travel-discussion/790643/).1) How to ask for help. When posting a request, be sure to give all the pertinent info: type of car you would prefer (and what you might settle for); dates and p/u times (along with how flexible you may be on this, and remember there isn't much of a grace period nowadays and that extra hour may cost a LOT) and WHERE you will be picking up and dropping off. Also, you MUST post a bare minimum of 3 codes and companies from the Matrix thread you have already tried (preferably something you can qualify for) and what the results were for each, including fees and taxes. Glance at the first page of the thread and thoroughly review the most recent 5-6 pages to see what's working well lately and what topics are under discussion This way, we don't re-create your work; your post may help someone else; and perhaps you will have learned something valuable doing your homework. Remember that this is all volunteer and it's just as much work for the old-timers to plug in the numbers as it is for the newbies. You must make an investment of time if you want to save money.-- pretty much like with everything else. 2) Flexibility. The more you have with your dates, times, and type of car you will accept, the better your deal power. Need a car from Tues to Thurs? Insisting on an SUV for that mountainous Florida excursion? Must have a convertible? You limit your options for a cheap rental. Short-term midweek rentals make you a business-class renter, the RAC's meat and potatoes. There is little incentive to offer you a deal. It will cost them more to turn the car over than they will make renting to you. Unless you have saved up some reward points or days, your best bet for these cases may very well be Priceline or Hotwire. Refer to bidding educations sites like betterbidding, biddingfortravel, and tripducky to see what kinds of bids are being accepted for your approximate dates. Remember that if you use an opaque, there is a good chance you will lose the perks of your loyalty program (ie, Emerald Aisle, miles, free drivers, upgrades,etc) so that is one of the opportunity costs of the savings; and, of course, you don't get your money back if your plans don't work out, so don't lock yourself in too early.Timing is important, so if you can be flexible here, that can work to your advantage. Usually weekly deals are available for a rental of 4 days + 1 or 2 hours. It may be worth it to play with your p/u and drop times to snag a weekly deal and use a weekly coupon on top of that. HOWEVER-- don't try to beat the system by dropping off early on a weekly deal. You could wind up paying the walk-up rate at $$$$$.
3) THERE IS NO SUCH THING AS "THE ONE BEST CODE". If there were, the Matrix thread would be one page long. A corollary to this is that there is no "best price" or even "average price" for any particular car or date or area. The "best price" can only be judged in relationship to what everyone else is charging at that moment, in that place, for that type of car. Prices in the RAC biz fluctuate literally minute to minute depending on Supply and Demand; it's all constantly re-computed, so don't even try to understand it. Which leads to the motto -- WHEN YOU SEE A GOOD DEAL, BOOK IT IMMEDIATELY. Why would you hesitate as long as no prepayment is necessary? Blink your eye and it could be gone- we see that happen over and over again on the matrix thread. Continue to hunt for a better deal, if you have the time and energy; and when you find one, book it FIRST and then cancel the old one. Cancelling is a courtesy and a CYA that should be extended so that others may still get deals on cars and so that the industry will allow us to continue to book without prepaying- a luxury in the travel biz that applies to no other venues.4) If you are going to use a code you that probably wasn't intended for your use ---say, State of FL Employee, or Red Cross, or Military personnel-- I suggest you don't, at least, not til you've exhausted other possibilities. Try other, safer codes FIRST which may very well produce similar or even better deals than the "iffy" ones. Why sweat it at the desk, wondering if you will have to present ID. This goes double if there is insurance included in the code . Many of the codes that include insurance are self-insured thru whatever company made the contract- do you think they won't check to see if you are an employee before paying out on a claim? There are plenty of codes listed that anyone can use. Join whatever's free to be able to use their codes-- you may even get a joining bonus. ETA 7/7/10-- to prove my point:Blackhawkfan said:
______________________________________________________________________________________
Topspin14m said:
I have regular Emerald status. They never check anything at National. My buddy gets the carpenter's union discount all the time. He barely knows how to hold a hammer. If you can get the Exec. status card then I am sure that you are good to go.
_______________________________________________________________________________________
That's what I thought until my last rental!I picked up my car at Emerald and drove up to the exit booth with my DL, Emerald Card, and the car's hang tag.They wanted proof of my qualification for the rate code in my profile!She ask me to produce an employee ID, but she accepted a business card showing my employment with the company on my profile.I complained about the hassle and asked what was going on.I was told that there has been a great deal of abuse of rates being posted online and they are now spot checking for rate qualifications.In all the years of renting from National, nothing like this has happened to me.Apparently the purchase of National by Enterprise is resulting in new policies.I know that in the past National has cancelled out codes that were being abused, but I was never asked to provide proof of qualification at the exit booth.AND YET ANOTHER ONE:
"i used one of the codes and picked up the car without any issue, but when i returned it they asked for some proof which i didn't have. so they are now charging me for more than triple of the original rate. i'm still disputing this with my credit card company but am doubtful if i can win."This was with Avis State of FL code, and if you follow the Matrix thread, you will learn that the poster was not successful with the credit card company. The poster was probably flagged sometime during his/her trip in a crackdown on fraudulent code use and was shocked at dropoff to learn tbere was another $250 being charged.
Most of the contracts mention something about being "subject to audit".
__________________________________________________________________________________________
AND YET ANOTHER ONE:naveenee221 said:
Hello guys i need a Help, i used TX720 coupon for car rental,and accident occurred and the enterprise people sent me a letter saying that talk to the respective insurance company if they pay it is fine ,if not i need to pay,can you guys please help me regarding this,i am in big trouble.(This code is for employees of University of Texas)FOREWARNED IS FOREARMED. 5) Insurance is a whole separate topic. Check your coverage thru your own insurance company and your credit cards, and consider investigating AMEX's policy, which is much cheaper than buying thru the RAC. See the other stickied thread for more discussion.6) Consider whether you will be needing an additional driver. You may have to pay a daily fee of up to $10 or more for the privilege OR you may be able to get that for free. Policy will vary by company, state, and code. CA and NV don't charge for spouses driving. Budget doesn't charge for spouses; National won't if you are an Emerald Club member; and Hertz won't if you are both AAA holders. Alamo's WalMart code will include almost anyone for free. These are just some of the variations.7) More reasons to join the loyalty clubs- advance emails of deals and coupons; better likelihood of an upgrade; opportunity to earn free days (this can be valuable on pricy one-ways!); quicker escape with your car. 8) If you have a larger group to transport and multiple drivers, consider renting two smaller cars. ( this goes back to #1, flexibility). When minivans and SUV's are at a premium, it can save you more than half the price and give you more freedom besides.9) One-way rentals can cost BIG $$$$. Join promotions for free days (like National's 1-2-Free) and save them up. Consider seasonal relocational deals, especially into Florida in late fall and out of FL in mid-spring. "Drive out specials" can be had dirt cheap post- spring break into late spring/early summer. Also, an understanding of how different companies price them can be handy. Some companies will charge a drop off fee of as much as $600 or more. Others, especially National, will build the fee into the daily charge. When that is the case and your travel plans permit, consider multiple reservations: one for the days you will be driving locally, and one for the days you will be traveling to the new location.A car is not always the most economical means of transportation for one-ways. Consider other options.10) International and long term rentals-- we don't seem to get a lot of input with these special circumstances here so far. Both of these could probably use their own FAQ's.Common Sense SummaryCheck the RAC sites for specials- there's usually a tab.
Put your codes and your coupons in the correct boxes on the page.
Check back often, both on the Matrix thread and on the RAC sites
More flies with honey- be nice here, say thanks when someone helps you, be polite to the rental agent. It goes a LONG way towards an upgrade or whatever else you'd like.

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I've been going to a dentist I can't stand, but he's in my insurance network. I need a bunch of dental work done. The treatment plan is to get both upper and lower partials and crown eight front upper teeth. The initial plan was to crown 2 teeth as an abutment for an upper partial. The insurance company approved one crown and the partial. The crown was done (temporary currently).

I decided to go all the way and crown all front upper 8 teeth, which changed the treatment plan to include a lower partial. They never got back to the insurance company and the window closed on the approval for the upper. My dentist had to re-submit but now for upper and lower partials. He went ahead and started the work for the partials by doing first and second impressions, bite registration, etc. Everything is done, except having the lab make them, which he would do once the approval came through. I will be paying for the crowns myself. It's been 6 months of nothing but screw up after screw up by his office and today I get denials for both partials as the dentist failed to submit a mouth charting and full treatment plan. I've seen on my chart the bill so far is over $800. This is the most incompetent place I have ever been to. They've gone through dozens of staff because the Dr. is an insufferable bast@rd. It would take me pages to describe all the crap I've been through with his office. I am sick of all of it and want to take my business elsewhere which brings me to this dilemma. He started work on the partials (without discussing it with me) in anticipation of the insurance company footing the bill. Not he nor anyone else there ever discussed money, prices or bills with me. I verbally agreed to pay $3500 for the 7 additional crowns ONLY. I never was given any sort of paperwork with estimates, etc. I haven't signed anything in regards to any work.

If I choose to never go back and have the work done elsewhere, can I be held liable for the work he did? If he bills me for the work, do I have any leg to stand on against paying it since I never agreed to pay anything for the partials? IMO he never should have taken it upon himself to start work on the partials without the insurance approvals in advance.

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----------------------------
$49.99 Final Price Link
Is your computer starting to run slower? Are you worried that your hard drive may crash and you may lose all of your valuable data? The Aluratek AHDDUB100 External SATA Hard Drive Dual Duplicator is the perfect solution to duplicate the exact content currently stored on your computers SATA hard drive. All of your OS (operating system) and program files are duplicated in addition to your data files, making this a truly complete backup solution thats bootable.With its easy-to-use form factor, all you need to do is insert your current 2.5 or 3.5 SATA hard drive to one side of the duplicator dock, then insert your new backup SATA drive into the other side of the duplicator dock and press the start button. Your computer will start up with all of your program files, operating system files, Outlook contacts, personal settings and more. There is no need to connect to your computer. The LED indicator light will show the status of the duplication process. Its that easy.Works as an External Hard DriveThe External SATA Hard Drive Dual Duplicator works as a fully functional USB 2.0 external hard drive, with high-speed data transfer rates of up to 480Mbps. It supports all 2.5" and 3.5" SATA hard drives, and is completely plug-and-play, hot-swappable, and hot-pluggable.One Touch BackupCreate an exact duplicate copy of your SATA hard drive, using a one-touch button. The full system backup backs up all your operating system files and programs with no need to connect to your computer. An LED indicator light lets you know the duplication status.Newegg Coupons

Rent From Budget Twice For 2 Days Before Dec 31 2012 And Receive A $25 Voucher (You Must Register)Budget Bucks Payback Terms and ConditionsTo qualify for the Budget Bucks Payback promotion:
Non-participating locations subject to change and may not be listed.
Register for the promotion before 11:59pm December 31, 2012 with a valid RapidRez Number with Fastbreak service. Submission of registration shall be consent to opt-in and receive promotional emails and Budget e-Receipt on future rentals. Click here to view mobile enrollment terms of use.
Complete two fully paid rentals of two consecutive days or more each between when you enroll and December 31, 2012 11:59 pm. Offer valid for U.S. residents (including USVI and PR) renting at participating Budget locations in the U.S. ("Qualifying Rentals").
RapidRez Number must be used when renting.
Rentals made with any of the following discount codes or profile types will not qualify for the promotion: Budget Pre-pay, Budget Think Fast, corporate accounts that do not allow employees to participate in reward programs, Budget direct bill accounts, employee rates for Budget or any affiliated company or licensee, government, travel industry, tour, wholesale or convention rates.
Rentals booked on Priceline or Hotwire will not qualify for the promotion.
Rentals paid using a Budget Bucks $25 rental coupon will not qualify for the promotion.
Reservation must be made 24 hours prior to pickup.
After completing two Qualifying Paid Rentals, each registered Budget customer will be mailed a Budget rental reward coupon valued at $25.
Budget rental coupon will not be replaced if lost or stolen.
Rental coupon must be used before December 31, 2012.
Reward will arrive approximately 8-10 weeks after the completion of second Qualifying Rental.
Vehicle renter must meet Budget age, driver and credit requirements. Minimum age may vary by location. An additional daily surcharge will apply for renters under 25 years old.
Budget Rent a Car System, Inc. ("Budget") is not responsible for lost or misdirected mailing of reward or for any malfunction of computer equipment that may prevent registration from being transmitted or received.
Any individual who tampers with the registration process will be disqualified from promotion.
Budget assumes no responsibility for any error, omission, interruption, deletion, defect, delay in operation or transmission, communications line, hardware and/or software failures, theft or destruction or unauthorized access to, or alteration of, registration information, rental data or registrations.
Budget is not responsible for any technical malfunction of any telephone network or telephone lines, computer on-line systems, servers, or providers, computer equipment, software, failure of any e-mail or registration to be received by Budget on account of technical problems, human error or traffic congestion on the Internet or at any Web site, or any combination thereof, including any injury or damage to participant's or any other person's computer relating to or resulting from participation in this promotion or downloading any materials in this promotion.
ANY ATTEMPT TO DELIBERATELY DAMAGE ANY WEB SITE OR UNDERMINE THE LEGITIMATE OPERATION OF THE PROMOTION IS A VIOLATION OF CRIMINAL AND CIVIL LAWS AND SHOULD SUCH AN ATTEMPT BE MADE, THE SPONSORS RESERVE THE RIGHT TO SEEK DAMAGES OR OTHER REMEDIES FROM ANY SUCH PERSON(S) RESPONSIBLE FOR THE ATTEMPT TO THE FULLEST EXTENT PERMITTED BY LAW.
Promotion terms are subject to change. Budget reserves the right, in its sole discretion, to cancel, terminate or suspend the promotion in the event the promotion is incapable of running as originally planned. Privacy Policy: Your privacy is important to us. Read our Privacy Statement.2012 Budget Rent a Car System, Inc. A global system of corporate and licensee-owned locations.Budget Rent a Car System, Inc., 6 Sylvan Way, Parsippany, NJ 07054Budget Rent a Car Coupons

Shipping for me is $14.39Add 5 boxes to your order $8 per box = $40http://www.reliantammo.com/380auto100grainfmjnewammo-2-6.aspxSubtotal:
$40.00
Shipping:
$14.39
Handling:
$0.00
Estimated Tax:
$0.00
Total:
$54.39Description:
Reliant Ammo 9mm Luger 115 gr RN New Brass Ammo (50 Rounds) $8/box through 5/12/12.9mm 115gr FMJ NEW AMMO Sale $8 (box of 50)
Five Box Maximum - Additional Boxes Prorated
Total savings on five or more boxes: $14.65
One Week ONLY - Sale Ends Saturday, 5/12/12
Discount Automatically Calculated During Checkout*IF OUR AMMO MISFIRES when the firing pin strikes the primer, we will give you a credit for a free box of
ammo or refund your money, including shipping costs, if any. This offer does not apply to jams, stove-piping,
or failures to eject, as these problems are usually caused by firearm malfunctions and/or operator errors.**

I bought a samsung Refrigerator from Costco in mid 2005. Its worked great until last year. There were water all over my floor. we had a PSEG plan "Worry free plan"( this had been worry some) and the guys somehow fixed it first time, although it took long time for him. After 2 month the issue happened again and the subsequent Tech from PSEG and their supervisor are saying its a known issue with the Samsung and are asking just look online for some posting to find the issues and follow up by Samsung to resolve. Samsung need details of these reports from PSEG and PSEG is refusing to give it to Samsung and we are stranded in between. My wife spent countless hours cleaning up and also on phone with these two agencies. The Refrigerator even fails to cool now and restart the Refrigerator seems to work. What action can I follow
- take it back to Costco its almost 7 yrs since i bought and when i bought i was told by the Costco guys that you can return anytime.
- Wait for resolution between Samsung and PSEG
- buy a new fridge and keep the old one. Not too happy about this as Refrigerator is expected to last at least 15 yrs( according to PSEG).
- Sue samsung for floor/food/time/replacement damage .Samsung seems to have the worst in Refrigerator in market now even thought they look fancy.Thanks for all the feedback and suggestion.

Vitamix 1782 TurboBlend with 5-year warranty for $303 with Amazon credit card code through May 7http://www.amazon.com/Vitamix-1782-TurboBlend-2-Speed/dp/B004VMA... Vitamix 1782 TurboBlend, 2 Speed for $379 - 20% coupon code = $303 plus free shipping

use code MAYGET20 Limit one discount per customer.use code "MAYGET20": Limit one discount per customer. 1 time use promotional code valid on select kitchen and dining item purchases up to $1,000 through May 7, 2012 11:59 PM (PT) or while supplies last. Maximum discount applied will be $200 on qualifying products sold by Amazon.com at www.amazon.com/mayoffer and eligible for purchase with the Amazon.com Rewards Visa Card. Amazon.com reserves the right to cancel the promotion at any time. Offer must be redeemed through the Amazon.com shopping cart using your Amazon.com Rewards Visa Card as your payment method. Offer must be redeemed at the Amazon.com web site, www.amazon.com. Products sold by other merchants or third parties do not qualify for this promotional offer. Offer 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. If Amazon.com is not the seller, this will be noted on the product detail page. Offer cannot be redeemed at Amazon.ca, Amazon.co.uk, Amazon.de, Amazon.fr, Amazon.co.jp, or any other web site operated by Amazon.com, its affiliates, or third-party merchants (including web sites linked to from the Amazon.com site). Taxes, gift-wrap, and shipping and handling not subject to discount. Promotional codes may not be combined with other offers, including Subscribe & Save discounts. Offer is not for resale and is not redeemable for cash. Offer cannot be applied to orders already placed with Amazon.com. If you return an item purchased using the offer, you will receive a refund for the amount paid for the item. Void where prohibited. Chase is not responsible for provision of or failure to provide the stated benefits and services.
Thanks wowthatisadealAmazon Coupons

Use MAYGET20 at checkoutMore info*OFFER TERMS & CONDITIONS:* Limit one discount per customer. 1 time use promotional code valid on select kitchen and dining item purchases up to $1,000 through May 7, 2012 11:59 PM (PT) or while supplies last. Maximum discount applied will be $200 on qualifying products sold by Amazon.com at www.amazon.com/mayoffer and eligible for purchase with the Amazon.com Rewards Visa Card. Amazon.com reserves the right to cancel the promotion at any time. Offer must be redeemed through the Amazon.com shopping cart using your Amazon.com Rewards Visa Card as your payment method. Offer must be redeemed at the Amazon.com web site, www.amazon.com. Products sold by other merchants or third parties do not qualify for this promotional offer. Offer 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. If Amazon.com is not the seller, this will be noted on the product detail page. Offer cannot be redeemed at Amazon.ca, Amazon.co.uk, Amazon.de, Amazon.fr, Amazon.co.jp, or any other web site operated by Amazon.com, its affiliates, or third-party merchants (including web sites linked to from the Amazon.com site). Taxes, gift-wrap, and shipping and handling not subject to discount. Promotional codes may not be combined with other offers, including Subscribe & Save discounts. Offer is not for resale and is not redeemable for cash. Offer cannot be applied to orders already placed with Amazon.com. If you return an item purchased using the offer, you will receive a refund for the amount paid for the item. Void where prohibited. Chase is not responsible for provision of or failure to provide the stated benefits and services.Amazon Coupons

I engaged a contractor to replace a roof. His bid was 10k. As per the contract I paid half when the job was halfway done with the balance due at completion.Before paying him the balance I insisted that it needed to be inspected by the local code official.He failed the roof for multiple reasons.I refused to pay until it was fixed.Roofer took off. (It was so bad that it needs to be ripped up and done again)Roof started leaking 6 days later and water damage is accumulating.I want to sue him for at least 5k in small claims court. I think I can figure out how to do that from google/ehow etc.I already sent him a demand letter for 5k with a deadline for May 3 to pay back my deposit.Other pertinent details:
1. It does not look like he is incorporated (although he claimed he was)
2. he was advertising that he is insured (Our state's attorney general database listed him as insured as well) but when I filed a claim his ins. company told me that there is no active policy for more than one year.
3. the check was made out to his company's name and deposited. SO i think i have his account number
4. He was advertising that he was BBB accredited. the bbb website says that he is not accredited.
5. I did get references before he started the job. they all said he was competent.My questions are; 1. what do i do after i win in court? 2. is there something that I am missing? I have already filed complaints with the BBB and the State Attorney General's office.This is in PA. I have learned my lesson to thoroughly research every contractor and insist on proof of insurance before he begins working.

The Two Crosses will be on sale for $0.99 for the next few days.Here's the setup:When Jay Cross heals a paralyzed man just by shaking his hand, and is able to do it again and again, his quiet, cozy little world is on the verge of shattering. The one thing that would make it all worth it, the one thing that would make him embrace his abilities, won't work, no matter how hard he tries.At the same time, only a few miles away, David Kreutzer wipes his hand across his wife's forehead and cures her failing eyesight. He, too, is able to repeat these healing miracles, and in doing so, he sees the bright glow of dollar signs. Millions of them.Where did this ability come from? Why were they chosen?And who is the mysterious stranger lurking in the shadows, waiting for his chance to destroy them both?
Thanks!

In 2000 I paid an accountant to be incorporated. I was told that it is important due to the fact if my business was ever sued that they wouldn't be able to touch me personally. I found out during the process of someone suing me that I was not incorporated the year I thought i was. I was incorporated actually in 2003. In the mean while the person who is suing me is saying I wasn't incorporated when I opened account with them. Which in my eyes I was incorporated in 2000. When I opened the account I was incorporated. My accountant failed to tell me that he received paperwork that the name I choose was not available.... Which I have a hard time believing that it was three years for someone to inform him that the name was taken. He choose another name & signed my name. I never knew any difference. I have been running my business with this incorporation name and a dba behind it. I have a bank account, whenever I have been asked from companies we did work for I gave this info with my EIN number, this same accountant has used the first corporation name for totaling 12 years. The accountant has been doing my taxes for 12 years.....NEVER told me my corporation name changed. Now the company that is suing me is suing me personally because in their eyes my business is a sole proprietor. I have to file bankruptcy for the business & personally. Any advice?????? Or thoughts????
Thanks in advance,

Dear FWer,We are in the process of selling our house. We accepted an offer a couple weeks ago. The contract was signed, and the buyer had the house inspected. We fixed all the problems requested by the buyer after the inspection. The other day the appraiser came to appraise the house, and said we needed a roof certificate among other things that we gladly complied. We had our roofer to issue a certificate stating that roof was in operational condition, but may need replacement in one to two years, which is an honest opinion, since the roof is about 15-20 years old. The underwriter of the VA loan that the buyer was using later said that VA loan needs a certificate that roof is good for at least two years. We asked whether they can accept a third-party opinion, and were told no. The only thing the lender would accept right now is the replacement of a new roof. No new roof, no certificate, and no mortgage. The buyer would not want to chip in, and we don't feel like to put on a new roof all by our own.My question is:
1. Does the VA loan lender have a ground to require a new roof? Is there really a two-year requirement for the roof?
2. Can the buyer get their earnest deposit back? It looks like they failed to secure the loan.Thanks for all your opinion in advance.HG

Hopefully a Quick Question for someone in the know; I live and work in Maryland for a private Company; they laid me off about a week ago, due to the company's fiances, and incoming work slowing down. I was with the company for about 15months, in a salaried position. On my offer letter it stated, vacation time was accrued 1 day/a month of work for the first year (Day 1-365); Starting my 2nd year (day 366) all vacation days are given to me and there is no accruement schedule, other than Yrs in service add more vacation time. The employee handbook was rewritten in December and only 1 variable with respect to employee termination was mentioned - If the Employee resigns their position with the company, only 'earned' vacation time will be paid, all other non-accrued time will not be paid. In regards to Maryland Law, if the employer fails to have a policy governing employees termination and vacation time, the employee will be paid for any vacation time they have based on company policy. I brought up the fact the handbook is vague and does not cover my condition (the company laying me off) and since I started my 2nd year with the company before the layoff, I should be entitled to a full payout of all unused vacation days, since the handbook does not specify and Maryland law is fairly clear (no policy = employee wins). My ex-manager argues against this point, and thinks I am being unreasonable, and they should only pay for 3 days of the accrued time I have earned thus far, which contradicts the offer letter outright and the handbook is invalid since it does not cover this condition. I have mentioned briefly to the ex-manager, the labor board might have something to say about this and now a private discussion between the president and the manager is set to take place Monday/Tuesday. There is very limited cost in sending my complaint to the labor board, but I really do not want to push that hard and would like someone to confirm my standing on the issue (hopefully either have fought a similar battle, or has a better understanding of the Maryland state law than myself) and suggest a better direction to go into than Labor Board or bust. I did not receive any severance, just a payout for my previous 2weeks. Thanks guys for the help,

Hi everyone, What is the best way to handle a relatively minor accident at my fault? Last night I rode a 49cc scooter/moped in downtown washington dc at about 15 mph and hit the rear left corner of a recent model Nissan Altimia, which was stopping at a red light, as I was coming around right corner. Of course, I fell as I tried to avoid it as quickly as I can, but failed. No one was hurt, but there were some damages. Pedestrians saw the accident and one person said she smelled fuel. I believe this smell comes from my relatively loose gas cap on the scooter because there is a very small chance I can break the car's gas tank going at that speed at that slight corner brush. The real damage was the broken brake light cover of the car and paint scratch like the ones you get when you parallel park in cities. I don't have insurance for the scooter/moped, but the driver has Progressive insurance for her car. The accident is at my fault. The police came but didn't make any official record but only gave the driver a business card with a description of the accident on its back. He advised the driver to get a quote from a Body Shop to fix the brake light cap and paint scratch on the bumper. Then ask me if I agree to pay for it and file a claim to her insurance if I don't agree. She said she will get a quote this morning and will contact me. I admit I am at fault, but I don't want to pay a ridiculous quote auto body shops give when they know its an accident. So, what is a reasonable amount to pay I should pay? A broken brake light cap and paint scratch on the bumper. Thank you very much for you advice. Sorry for the long post, but I want to give as much detail as possible. (This is my first "car" accident ever.)

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.***** Price At Check Out ********** This Hose Is 100 Feet Long *****( Full Lifetime Warranty ) http://www.sears.com/shc/s/p_10153_12605_07163027000PSpecifications & Dimensions
Product Overview:
Coupling or Mender Type: Hose coupling
Item Weight (lbs.): 14.6 lbs.
Hose Size: 5/8 in. x 100 ft.
Type: Brass
Individual, Kit or Set: Individual
Color:
Overall Color: Green
Performance:
Hose Action: Single stream
Usage: Above ground
Hose:
Color: Green
Diameter: 5/8 in.
Length: 100 ft.
Function: Cold water
Type: Garden
Convenience:
Hose Convenience: Kink freeSears.com Coupons

Just found this in my email. Might be targeted, but the coupon code should make it open for anyone using Amazon's Visa card to make their purchase.Link-A-Zon!
Use Promo Code: APR50OFF at checkout.$10 off $50
$20 off $100
$50 off $200One time use PER account!*OFFER TERMS & CONDITIONS:* Limit one discount per customer. 1 time use promotional code valid on qualifying clothing purchases shipped and sold by Amazon.com. Save $10 on a purchase of $50 or more, $20 on a purchase of $100 or more, $50 on a purchase of $200 or more with promotional code APR50OFF. Promotion valid April 1 through April 30, 2012 11:59 PM (PT) or while supplies last. Amazon.com reserves the right to cancel the promotion at any time. Offer must be redeemed through the Amazon.com shopping cart using your Amazon.com rewards visa card as your payment method. Offer must be redeemed at the Amazon.com web site, www.amazon.com. Products sold by other merchants or third parties do not qualify for this promotional offer. Offer 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. If Amazon.com is not the seller, this will be noted on the product detail page. Taxes, gift-wrap, and shipping and handling not subject to discount. Offer may not be combined with other claim code-based offers. Offer is not for resale and is not redeemable for cash. Offer cannot be applied to orders already placed with Amazon.com. If you return an item purchased using the offer, you will receive a refund for the amount paid for the item. Void where prohibited. Chase is not responsible for provision of or failure to provide the stated benefits and services.Amazon Coupons

On this, I'm completely out of my element. Any advice is appreciated. This is in Maryland too.I recently listed my home for sale, and was rather surprised at how much activity there was, and that I was under contract in 2 days. That's the positive part of the story.Unfortunately, I learned a lesson about selling to first time homebuyers where their parents are paying for their first home, and said parents are home builders, and homebuyer's agent is a family friend. It's been a nightmare since - they've turned every stage in the sales process into an arduous negotiation. I can't break the contract, and even if I could, I signed it and should have to live by it.Most recently, the agent threatened me that if my home is not in 'move in' condition as per the purchase contract on the final walk through before closing, I could expect lawyers to get involved, and they would pursue me to the end of the earth. That would be a fair statement, except my home is updated top to bottom and all the systems are new, and the fact similar comps in worse condition sold for less than I did (mainly b/c of the stress of trying to sell a home with 2 toddlers we were willing to sell for less than market prices because they allowed us to rent back). Even the buyer's ace home inspector, who is an employee of the father, could only find 2 very minor repairs in the inspection.So I'm a few weeks from closing, and the buyer's agent has been making steady but passive threats to my agent. Nothing in writing, and while my agent is at wit's end too, she's never encountered this either.My goal is not to avoid closing - the home will sell. My questions are as follows:First, what should I do to protect myself on the final walkthrough? The buyer's agent and buyers' parents have made clear they will decide what working order is, and they will be bringing inspectors to the final walkthrough. Is this all some sort of bluff? I mean, if the air conditioning works, can they legally demand $$ and not close because they want the home to be cooled faster than the A/C actually cools (based on inputs from their inspectors)?It doesn't make sense to have my own inspectors, that's going to cost a fortune, and in that case I may as well bite my tongue and just give them whatever $ they want so we can close. Should I have a lawyer present?My second and more important question is whether I have a case to try and get the buyer's agent's license revoked. All along the way, she's been deceptive and lied, in both written communications and in contractual ones. As an example, after the home inspection, the buyers had 3 days to come to any agreement on repairs. Failing to sign anything means they accept the home in as-is condition. At about 10 PM on the 3rd night, the buyer's agent emailed my agent to say the sellers (me) better grant an extension on the inspection deadline, because the sellers (me) lied about the working order of the house (false statement) and also, the buyers were out of town for the weekend and wouldn't have their response to the home inspection until Monday morning.The following morning, the buyer's agent forwarded a whole thread of her communicating with the buyers throughout the weekend along with their response to the home inspection pre-dated to say 'Friday' despite in the thread, the buyers and agent talking about times to meet on Monday morning to sign the inspection response.That's just 1 example.I'd be glad to provide more details, but the bottom line is unethical agent making my life hell, threatening me with lawsuit and action if I don't do whatever she or the father of the homebuyer want. I'd like to see to it she never works in the business again.

Chase just broke the bill pay service webpage for those who use Firefox 2.0. Chase techs are not skilled enough to make their javascript backwards compatible, so Chase bill pay users now have an excuse for failing to send payments. One way to leverage this is if you use a Chase asset account to pay a Chase liability account. Although Chase makes no guarantee that their webpage works, and they disclaim all liability for a broken webpage, they also fail to list any supported browsers. So if you need to delay a payment this month, there's your excuse. Worked for me.If you have firefox 3.5 or better then bill pay isn't broken, but the user agent switcher extension can be used to appear to be running 2.0.

Are these questionable charges on your credit card?What does it say about society these days, when a random company can pick out questionable charges on a random statement better than the person actually using the account?I admit I'm excessive, checking activity on alot of my accounts weekly if not daily. But even a brief review of the monthly statement would identify charges I do not recognize and need to follow up on. Double charges from known companies or incorrect amounts for otherwise authorized charges can take more time to weed out (and arent solved by this service anyways), but I'm pretty sure a charge from Shoedazzle.com isnt going to be confused as a purchase from WalMart.My favorite part of this article:
Customer surveys show that about 90 percent of credit card users fail to scan their bills carefully each month, so a proactive alert system is essential, he said.
Wouldnt it be more essential to bitch-slap those 90% of credit card users and tell them to take some responsibility and pay attention to their bills? I always laugh when hearing about someone complain about an unknown recurring charge they've been paying for years without question, and how they need someone else to tell them they didnt intend to spend that money. "Services" like this just prompt more lazyness, and subsequently more such charges being paid, since users will figure "no alert, no problem". And the user still needs to take action to actually make the charges stop, which itself is half the battle.Not to mention, it's blindly entering your information for services such as BillGuard.com that cause most of rouge charges in the first place...

Hey guys,So I live in PA, I flew in to Houston for business and got in pretty late (slightly after midnight). I got my rental car and went to drive to my hotel. I went on "Hardy Toll Rd" because it's where my GPS said to go and I don't know the area, and I had plenty of cash so didn't think it'd be an issue. I watched for signs that said anything like "change only" or "whatever-texas's-wireless-tag-thingie-is only" and didn't see any. Got to the first toll station and there are the tag lanes, a change only lane, and a full service lane. There's a police officer sitting in the full service lane, I assumed talking to the attendant. I didn't have any change, or a tag, so I went to the full service lane. After sitting behind the cop for maybe 15 seconds, he pulls out from in front of me and over to the side of the road. I pull up and find that there is no attendant on duty, it said something like full service closed. The lane is open in front of me - no barricade or anything. I sit there for a few minutes looking for a sign that says "call this number if you have problems" or anything that would help me. Nothing. Look back and I can't turn around, it's a one way highway on ramp. I back up and go to the change lane hoping it takes bills, no dice. Finally I decide the only possible option is that they only take tolls during the day when it's worth paying their attendants, otherwise I would have some option or it would tell me what to do. I have some doubts so I decide to pull up and ask the officer. Pulled through the full service lane and pulled up next to the officer and lowered my window, the officer was busy doing something on his computer and had his window closed. Him not even paying attention to me even though he knew I was behind him reaffirmed to me that I didn't need to pay it or at least that he wasn't concerned about it and I could deal with the toll company later. So I pull onto the road. Bam, lights on, pulls me over. He gave me a citation for "Failure/Refusal to Pay Toll" that says I have to appear in court in Houston May 31. It's from "Harris County Constable Patrol". He would not listen to me at all, even though it was obvious that I was trying to pay the toll. It doesn't even have an option to just pay a fine. He told me I have to call the number on the back, for "Hon. [name here]", who I'm guessing is a judge? I'm going to call tomorrow but I'm not sure what to expect. It seems insane to me that because I didn't know Texas assumes you always carry coins around that I'll have to pay some fine that will be at least in the hundreds of dollars (I'm assuming from the fact that court is involved, I really have no idea), plus have to fly halfway across the country to appear, plus get a hotel, plus take off at least two, maybe 3, days off work to account for travel time plus court date. Do I have any options here? Anyone have experience with this sort of thing and have any advice? I wish there was some way I could just write the judge a letter or something as opposed to appearing.Thanks for any input. And always carry coins with you in TX.

Well, the story is my girlfriend who is 24 has no established credit. She's never had any credit cards, loans, or any other lines of credit. We decided that it was time that changed but so far it's been pretty difficult. At the moment she is not working but is in the process of getting a job and has about $10,000 in a savings account with Capital One (whom she's been with for about 10 or so years now). She went to Credit Karma, but the website was unable to obtain any credit score. I'm guessing because she has no credit.She applied for a Bank of America Cash Rewards card only to find out later it was a Visa Signature card which would actually harm her non existent credit instead of help it. She was rejected though and felt pretty upset about it (she is highly sentimental you see). First hard and pointless hit on her credit. I suggested she go to her bank and talk to a financial adviser to see what would be the best path she could take in order to establish her credit in the fastest and most efficient way. Seeing as she's been with this bank for a long time, I thought they would take that into consideration and advise her properly. The idea would be to consult with someone we thought would have plenty of experience with this kind of situation and would be able to guide her accurately. I informed my girlfriend she should inquire about Secured Credit Cards and loans and only apply for whatever the financial adviser was 100% positive would work without rejection. While I was at work today, she went to the bank with her mom to talk to her financial adviser. My girlfriend inquired about secured credit cards and the financial adviser suggested it would be a good idea and that it would not fail. Apparently though, this guy thought it would be a good idea to send an application for an unsecured credit card without her authorization, signature, verbal acceptance, or even knowledge that he was going to do this. She was rejected. Then, he tried playing this off as a joke, "Oops, I didn't think it would fail," she told me he said. Then, the adviser sent a second credit card application, this time for the secured credit card which he should have done in the first place. "This will work, guaranteed," and it did not, my girlfriend was rejected again. By what my girlfriend was saying, this guy was a complete buffoon and didn't seem to know what he was doing. I believe afterwards, he said he didn't have too much experience with secured credit cards. He couldn't give my girlfriend an explanation as to why she was rejected but promised to find out and give her a call back. I don't have too much hope on that. In the meanwhile he told her not to worry and to "just go apply for a store credit card". The business card he gave her says he is a Branch Manager II and an Assistant Vice-President. What a joke. What's the next step we can take? Do the two different card applications this guy submitted count as two different hard hits on my girlfriend's credit report? Is there any way to get these removed as there was knowledge or authorization to submit the first one? What can she do to get this mess resolved, stop hurting her credit (as we think is happening) and start establishing it (as we originally intended it)? Is it normal to get rejected for a secured card when you've never had any credit? I'm concerned this guy did not put down the information accurately. What can we do to get this matter resolved, get my girlfriend a line of credit, and help her start establishing it? She intends to only use 25%-30% of her credit line and always pay it in full every month.Any responses are greatly appreciated in advance.

(sort of a crosspost from a recent Costco coupon thread in Hot Deals)This is the last year I'm paying for a Costco membership. For me, personally, the number of trips I've taken there is diminishing and the annual fee no longer justifies any potential savings for me. In fact, I'm pretty sure I spend more there than I should on impulse buys and "perceived good deals" that I failed to research.On my last trip there, I purchases a dozen $10 Costco Cash gift cards. There was no issue with this and no questions asked. I plan to let my membership lapse and then use one Cash Card on each future trip if there are items we need. If we run out and want more, I could ask a friend or family member that has an active card to buy some.Some information on Costco Cash Cards features:
Members and non-members can use them to shop Costco location in the US, Puerto Rico or on costco.com.
Can be used for gas purchases.
No fees, never diminish in value, and never expire.
Can be purchased in stores for any value ($10, maybe less), or online for $25 and up.
You DO NOT need any type of card to use the pharmacy or purchase liquor.

More info:
How to Shop at Costco and Sams Club Without a Membership (lifehacker.com)
5 Ways To Shop At Costco With No Membership

Welcome to the 2nd (continued) edition of the Target printables thread. The original is here: http://www.fullofdeals.com/forums/hot-deals/1061479/
Please give props to the OP if possible.Background: Target changed their printing system quite a while ago so the number of prints per coupon is limited to two per computer. The target coupons are all the same and indistinguishable from one another, thus the pages can be scanned and uploaded. Note - some of the coupons listed on www.target.com/coupons are actually manufacturer coupons from E-centives. These ARE unique to you and WILL NOT BE UPLOADED, PERIOD. The same goes for target coupons sent out in mailings and newspaper inserts.To tell the difference between manufacturer and target coupons, look at the name. If it has "when you buy" then it's a MFQ. If it has "with purchase of" or nothing else then it's a TQ.
(btw...MFQ = manufacturer coupon, TQ = target coupon)_______________________________________________________________________________________________
-How can I get more MFQs?
Use another computer.
-Is this illegal/ethical?
That depends on how you look at it. Certainly this is not meant as a system for customers to mass-print-out copies and try to purchase shopping-cart-fulls of items. That kind of behavior only gives "coupon people" a bad name; not to mention ruining it for anyone else who wanted to take advantage of a deal. The majority of users are only looking to use a couple additional coupons or just two altogether because of failed printing/incompatible hardware. Be reasonable not only to other shoppers but also to the target cashiers. (In the event that coupons start printing with unique numbers/codes/info this thread will be killed.)
-How may coupons can I use at once?
Some coupons are worded differently, setting technical limits "per person" or "per transaction". A good rule is to only use two per person/per store/per trip. Many stores have had to limit it to one coupon because of abuse. If they give you a hassle, you can explain that each person in your party had access to a computer and was able to print two from each. If they still don't want to let you use them, move on. It will vary by store and even by cashier. Try to pick younger cashiers as they are generally
-Is the target coupon activator a virus?
No. If you're getting coupons from the site, you have nothing to worry about. It's completely safe.
-Can I request a coupon from a mailer or newspaper?
NO. This thread is for PRINTABLES only; IE. if it isn't from target.com, it won't be found here.
-What about target coupons from coupons.com?
Nope. If you look closely, you can see the bottom numbers on each are unique.
-Can I use a MFQ and a TQ together?
Of course. Review the target coupon policy HERE and a PDF version HERE. It's a good idea to keep a copy with you.
You should also read up on the changes made to the policy last year; a great summary can be found HERE
-What's the best way to request a coupon?
Simply post a message and ask. Please include as much of the "title" as possible; brand, item, value, date, etc. It makes it MUCH, MUCH easier to track these down.
-How do I know if a coupon has already been uploaded?
Use the search field at the top of the thread. (NOT THE ONE AT THE TOP OF THE PAGE.) The FW search engine is "not so good" sometimes but it helps to use better search terms. Don't search for the entire coupon name, you probably won't find it. Try just the band name first (Tide, Archer Farms, Kellogg's). If that doesn't work, search by a basic product keyword (detergent, floss, shampoo). Spelling counts!If you still can't find it, try searching the list HERE. You can always PM me directly and I'd be happy to help you.
-What the heck? It's asking for a password?
Look next to the original link. There are passwords on select files due to previous instances of other sites leeching pages and re-uploading them without giving a single link-back or credit. It's also meant to try and help prevent people spamming them "elsewhere".
-Why are these hosted on mediafire?
It's the best free host out there; unless you actually want captchas, 30 second wait times, and file limits per hour. You can easily block ads with AdBlock if that's an issue. It is occasionally down so if you get an error message, try again later (or send me a note and or ask in the thread if it's broken for anyone else).
-Why are there two per page?
Most people don't want to print 4 copies of a coupon, especially if each is off multiple items. Target deals usually involve even numbers of coupons, so 3pp doesn't make much sense either. If you want 4pp, simply print a page and put the paper back in your printer upside down and turn around so it print on the other half.
If you can think of anything else to add, please let me know.

Hi all,I live in NY, which has one of the highest mortgage taxes in the country. As I consider the feasibility of a refinance, I received contradictory "advice" from various loan originators (those shops that call you after you apply via lendingtree).One mentioned CEMA which should avoid my 7k mortgage interest. But the CEMA itself will cost about 1.3k with the bank. He sounded fairly confident the CEMA route is the way to go. However, when others talked to me, they never mentioned CEMA, but when I asked about it, one was very anti-CEMA saying that it will take months to do and actually said mortgage tax would be cheaper. Another also wasn't pro-CEMA, but at least looked into it as to the cost side. He raised the issue that CEMA is not guaranteed to be approved.From what I gathered reading on the web, it seems that CEMA definitely makes sense in NY, even with a 1k+ fee. The fee is non-refundable and the approval is NOT guaranteed, it seems. The process will take longer, which I think is mostly why many originators dont like them, because it involves more process and higher risk of loan not going through (so no commission for them).Has anyone had any experience with doing a refinance through CEMA? How was your experience? What is the likelihood of it failing? How long did it take? What's your advice?Thanks!

As most FWFers know, the bulk of the consumer contracts we agree to these days (banks, cell phones, credit cards, etc.) require mandatory arbitration. Whether or not this is a good thing or not is for a separate thread, but I just went through a three month process of arbitration with Verizon and received a settlement where Verizon agreed to all my terms - and I thought I'd share my experience for the greater good of FWF. I also invite others to share their consumer arbitration stories here if you like. Anyways, to keep this brief (I could write a novel over all the things Verizon has tried in this case) - The Story:
In December Verizon notified all postpay customers that they were raising an administrative fee a few cents per line per month. As is standard with most phone contracts, Verizon's contains a clause stating any "materially adverse change" (which they don't define) that they enact enables you to get out of the contract if you inform them within 60 days. I called them in late December and after 3 hours on the phone of them trying every argument available to stop me, I finally got a promise for a supervisor to call me back about the matter before January...which of course never happened. I filled a BBB complaint, and this time Verizon's story was that they credited my account for an amount equal to the increase in the fee for the next 12 months so there was no materially adverse impact on me. At that point, I notified the BBB that I wanted to take the case to arbitration (BBB administers Verizon's arbitration program as a third party).A BBB representative basically send me tons of paperwork to fill out and told me when it was due, then gave me deadlines to submit my argument brief with the choice to do the arbitration in person, writing, or by phone. Since they don't offer arbitration during the evening and I work during the day I selected by writing. The BBB notified me of the arbitrator and his background and gave me the option to object to using him to decide the case, and afterwards they set the case date. Before the case the BBB set a date for me and Verizon to exchange argument briefs so each side could respond to the other in writing - and all of this would be sent to the arbitrator, who would make a decision based on the documents. After Verizon received by brief, they offered to settle - and since they were offering exactly what I wanted (getting out of the ETF and some money for my time in the form of billing credits), I accepted. Lessons Learned:
1. Stick to the contract language, nothing else matters. I argued that Verizon had to release me from the contract because their standard contract says if they cause a materially adverse change, as long as I inform them in a timely manner. I had informed them in a timely manner and I considered the change materially adverse (and since it was not defined, they could not argue what it "really" means since they set the contract language). My main argument was that Verizon attempted to get out of the contract by offering an alternative remedy (bill credits equal to the fee increase) - although they had the right to do so nothing in the contract stated I had to accept it, and the only remedy available according to the contract was being released from the two year agreement.
2. Document absolutely everything. Whether through intentional bad faith on the part of Verizon or just sloppy record keeping, they tried to argue several times that either (1) I never called them before the fee increase or (2) I could not arbitrate the fee increase because their bill credit erased any material adverse change. I had to again and again refer back to their own documents and past billing statements to refute these points.
3. You will probably spend more time on this than its worth in terms of money. I probably spent 20 hours on this including my initial calls to Verizon, and I am receiving the equivalent of about $450 - per hour that less than most FWFers make, but since I'm a poor PhD student it was worth it to me.
4. Investigate the appointed arbitrator. Since you have the choice to veto the appointed arbitrator the first time around (in this case - this will vary based on the arbitration clauses your under), investigate them. See if you can find past cases and how they ruled, if you can't see who they primarily arbitrate for via their website. In my case the arbitrator was arbitrating outside of his primary area and from background cases I could find he was pretty even handed, so I didn't object. Important to Note:
Someone at Verizon at the corporate level watches these cases. As soon as they received my brief which argued that while they could offer alternative remedies, the only contractual remedy available to them was to release me from the contract, they amended their standard contract language.Before February 2012 the applicable portion of the contract language in my case was:
Verizon Wireless Agreement said: We may change prices or any other term of your Service or this agreement at any time,but we'll provide notice first, including written notice if you have Postpay Service. If you use your Service after the change takes effect, that means you're accepting the change. If you're a Postpay customer and a change to your Plan or this agreement has a material adverse effect on you, you can cancel the line of Service that has been affected within 60 days of receiving the notice with no Early Termination Fee after you notify us of your objection to it.

Then, they updated it to include:
Verizon Wireless Agreement said: We may change prices or any other term of your Service or this agreement at any time,but we'll provide notice first, including written notice if you have Postpay Service. If you use your Service after the change takes effect, that means you're accepting the change. If you're a Postpay customer and a change to your Plan or this agreement has a material adverse effect on you, you can cancel the line of Service that has been affected within 60 days of receiving the notice with no Early Termination Fee if we fail to negate the change after you notify us of your objection to it.That bold is key - it essentially means the argument I used in my case is void, so if its just a coincidence its certainly a very timely one for Verizon. Of course, I noted they changed the agreement language and updated my argument brief to use it as an example of bad faith that Verizon knew they had to release me otherwise they wouldn't be updating their contract language like this.

So I accidentally paid my Discover card bill out of my Capital One checking account and noticed this when it was too late to cancel the payment. The next morning before work I swing by the ATM and withdraw $300 from my ING Checking, drive down the street to my local Cap 1 ATM and attempt a $300 cash deposit. I have deposited many checks here before and never had a problem. So I insert 15 $20 bills and it scans them, spits 3 back out and says that it is going to dispense more that it could not read......and nothing happens for 10 minutes.I call the 1-800 number on the ATM which was worthless and said they cannot troubleshoot ATMs and to go speak with the branch when they open. I sent my wife since I had to work and they say they do not see a log where the card was ever inserted into the ATM and doubt there is anything they can do. When my wife went by the branch, which was an hour and a half later the ATM was still hung and not functioning. She told the bank and they just shrugged and said when the tech comes maybe he will find it, didn't even go look to see if it was hung or not? Concerned that eventually it was going to spit $260 out and someone else grab it, I came back through on my lunch and the ATM was functioning fine. Still no word from bank and this is day 2 now.Anyone had something similar happen or get it resolved?

I realize I have anger issues with BOFA, I am seriously trying to be amused instead. The only problem is, I know how sorely this corporation tramples everyone in their wake. As the article asks;Rolling Stone said: ....Seriously, who hasn't this bank conspired to defraud? Puppies? One-eyed Sri Lankans?....

From this link: Rolling Stone Article

Having admitted to being a corporate felon in court:

Rolling Stone said: ....In sum, Bank of America torched dozens of institutional investors with billions in worthless loans, repeatedly refused to abide by contractual obligations to buy them back, evaded hundreds of millions in local fees and taxes, pushed tens of thousands of people into foreclosure using phony documents, ignored multiple court orders to stop its illegal robo-signing, and exploited President Obama's signature mortgage-relief program. The bank fixed the bids on bonds for schools and cities and utilities all over America, and even conspired to try to game the game itself by fixing global interest rates! So what does the government do about a rogue firm like this, one that inflates market-wrecking bubbles, commits mass fraud and generally treats the law like its own personal urinal cake? Well, it goes without saying that you rescue that "admitted felon" at all costs even if you have to spend billions in taxpayer money to do it....

An assault on the American dream:

Rolling Stone said: In a pure capitalist system, an institution as moronic and corrupt as Bank of America would be swiftly punished by the market the executives would get to loot their own firms once, then they'd be looking for jobs again. But with the limitless government support of Too Big to Fail, these failing financial giants get to stay undead forever, continually looting the taxpayer, their depositors, their shareholders and anyone else they can get their hands on. The threat posed by Bank of America isn't just financial it's a full-blown assault on the American dream. Where's the incentive to play fair and do well, when what we see rewarded at the highest levels of society is failure, stupidity, incompetence and meanness? If this is what winning in our system looks like, who doesn't want to be a loser? Throughout history, it's precisely this kind of corrupt perversion that has given birth to countercultural revolutions. If failure can't fail, the rest of us can never succeed.Please excuse me if I am short with BOFA apologists.

In 2010 I did three ROTH IRA rollovers for $12,667.19, $5,000.00, and $1,452.83.I also took a $5,000 deduction for the traditional contribution that I rolled over the same year (this is the $5,000 from the first sentence).When I put everything into the H&R Block software last year I only entered the 1099 for the largest rollover of $12,667.19.The error had no impact on the amount of tax for 2010 because I elected to allocate the rollover 50% to 2011 and 50% to 2012.-----------------------------I noticed the error when I was preparing my return for this year when I must pay tax on half of the rollover reported in 2010.Assume that I do not amend the return and only pay tax on half of the $12,667.19 (instead of amending my 2010 return and recognizing the entire $19,120.02) and that it the IRS fails to catch the error / ommision.Is there any risk that the portion of the rollover I didn't report would become taxable when I try to withdraw the funds in the future?

I was searching for a brokerage with an opening bonus and I couldn't find any active threads...this is old news, but it is still a currently valid offerhttp://www.optionsxpress.com/promos/100offer.aspx$100 BONUS, FUND WITH $500, EXECUTE 3 TRADES WITHIN 12 MONTHS, KEEP OPEN 6 MONTHS WITH MINIMUM
*Offer is valid for one new Individual or Joint optionsXpress account opened and funded with at least $500 by US residents on or before December 31, 2011 at 11:59 CST, and having executed 3 trades within twelve months of account opening. To receive $100 bonus, account must be funded with at least $500 cash or securities transferred from a brokerage firm other than optionsXpress. The $100 bonus will be deposited into the new optionsXpress account within one month after meeting the terms and conditions of this offer. optionsXpress may charge the account for the cost of the $100 bonus should account fail to remain open with minimum funding (excluding trading losses) 6 months from the account open date. IRAs, other tax-exempt, linked, or shared accounts are not eligible to receive the $100 bonus offer. Offer is not transferable, is not valid for internal transfers, current optionsXpress accounts or with any other optionsXpress offers. All taxes related to this $100 bonus offer are the responsibility of the account owner. Limit one offer per person meeting the terms of this offer and opening a new optionsXpress account online at http://www.optionsxpress.com/new_account.asp?intcmp=lp100offer11... We reserve the right at our sole discretion to terminate, modify or suspend this offer at any time without notice. This is not an offer or solicitation in any jurisdiction where we are not authorized to do business.

Hello all,I am a present FW user, under a different screen name and due to privacy concerns I want to ask for your advice under this different name.A week ago, I was approached by an employee who informed me that his father's investment group wanted to buy out my business. He handed me a Letter of Intent, and business cards for the various lawyers/advisors representing the investment group.I read things over and decided to call a good friend who works with "BigLaw" rather than the smaller attorney who has represented us in the past for minor disputes and contractual issues. He's helped me (after I hired his firm of course) put together a team of advisors who has advised me to accept the LoI and move forward to due diligance, which thanks to above mentioned employee has moved forward rapidly (They had much of this information already).This is where I am turning here for advice. My take-away from this is $225 Million, a sum I have never seen before in my life. I over the past 4 years have managed to decrease my student loans to $15,000 remaining, and pay off my car. I have no clue about private bankers, investment advisors (my investments are self directed as of now) or well, much of anything here. I'm fairly happy with my present (community) bank, but they are not equipped to handle any type of investment advice or securities transactions. I quite honestly do not want to manage this myself, but I am leary on how to go about turning it over.My situation:
- $305,000 in debt (Mortgage, student loans)
- I will be prohibited from working for 3 years, under a non-compete clause, so I will need to live off of the money.
- No prior experience with investments over $200,000 (Approx. value of my Fidelity account which I had planned for retirement.)
- Great fear of someone running off with my money/blowing a hole into the ground and pushing me in it. (ie: bank failure)
- I --DO-- plan to work again, after the 3 years are up, but I am unsure as to what I will get into.I'm a bit boggled and jostled as this has all come on quite fast and heavy, so apologies in advance if this reads a bit scattered. I appreciate any advice given.

linkMass Effect 3 M-90 Indra Sniper Rifle Giveaway
Not everyone will survive. An ancient alien race, known only as Reapers, has launched an all-out invasion leaving nothing but a trail of destruction in their wake. Earth has been taken, the galaxy is on the verge of total annihilation, and you are the only one who can stop them. The price of failure is extinctionMass Effect 3 is here! Get ahead of the rest by getting this in-game item from Alienware Arena. The M-90 Indra Sniper Rifle is sure to have you wiping out the enemy. This is the only rifle in the game that can fire high powered electrified rounds. More about the weapon:Reverse-engineered from the Cerberus Arc Projector, the Indra is a prototype sniper-rifle that fires a path of ionized air, then electrifies targets with a lightning bolt of electricity. By first piercing a target with a high-powered shot, the Indra weakens kinetic shields and maximizes damage to electrical systems.**Please note this M-90 Indra Sniper Rifle key will only work on the PC version of the game.About the Game
You are Commander Shepard, a character that you can forge in your own image. You determine how events will play out, which planets to explore, and whom to form alliances with as you rally a force to eliminate the Reaper threat once and for all. How you wage this war is completely up to you: go into combat with guns blazing or use cover to plan a more tactical assault. Utilize your squad to full effect or take a lone wolf approach. Rain death from a distance or go toeto-toe with enemies using devastating melee attacks. Mass Effect 3 will react to each decision you make as you play through a truly unique experience of your own creation. If you haven't purchased your copy of Mass Effect 3 yet, click here!
If you are having trouble finding your key, or are getting an error message saying you already have a key, you can view a list of your keys here.

If the budget isn't in place by October 1st each year, then everything in the entire federal government could be funded from that point on by a continuing resolution with one exception -- the paychecks of everyone in Congress and the president would end, until a full budget was in place. We, the people (their employers) would cut their pay until they got the job done. Want to bet that would speed the process up?When you think about it, this is the wise advice handed out about dealing with home repair/remodel contractors - "You'll get paid (or the balance of your pay) when you're done and I'm satisfied with the work performed. LinkTo that end, I'm curious what the FWF take on this proposed bill is. NO political rock-throwing PLEASE! I'd like to focus on the "We the people/returning to the mindset of doing the 'right' thing by our country by and large" point of view...

3rd Gen Sim interposer that claims to unlock Sprint and Verizon iPhone 4S (yes - 4S).
Have not tried it, came across while looking for something else. Comments and feed back welcome.
I am sure, that lots of people who dumped Sprint or are thinking about it, were waiting on this....let others know of your success or failure.Sprint version link:
TPSIM 3rd Generation For iPhone 4s iso 5.0 5.0.1 Baseband 1.0.11 1.0.13 1.0.14 Auto unlock TPSIM Turbosim Works On Sprint CDMA VersionVerizon version link:
TPSIM 3rd Generation For iPhone 4s iso 5.0 5.0.1 Baseband 1.0.11 1.0.13 1.0.14 Auto unlock TPSIM Turbosim Works On Verizon CDMA Version ONLYThis is my first post (not sure, why this didnt show up yesterday when I created it), please be kind.ThanksSprint Coupons

The Two Crosses is currently free on Amazon for the rest of today and tomorrow - 3/12-3/13. Head on over and grab yourself a copy!http://www.amazon.com/dp/B006KHN7CUHere's the setupTwo men receive a supernatural gift so incredible, they may be able to change the entire world.Jay Cross is just trying to get home after a long cross-country trip with his deaf fianc Pattie. David Kreutzer just wants his wife's vision to stop failing before she goes blind. They never expected to wake up one day with the inconceivable ability to heal the sick with a single touch. Where did it come from? Why were they chosen?And who is the mysterious stranger lurking in the shadows, waiting for his chance to destroy them both?

Pawn Mart 70% off (USED) tools HURRY!http://www.pawnmart.com/?category=770&sort=0&page=0Note this is a pawn shop so if you are looking for new items you are out of luck. I have bought a Ryobi one 18v drill for $10 from this site and it shipped fast and was in working order. I have also bought a 26" Roadmaster mountain bike in decent shape for $30 after shipping. YMMV because i doubt they have a huge stock, but hopefully someone can find what they need.10 Day Guarantee Return Policy PawnMart.com offers a 10 day return policy on all items sold online. To qualify for a refund we must be notified by the buyer via email within 10 days from the date the item was received.
Thanks to SDFailedIpBan op sd for this find

Hi everyone,I'm starting a new bakery/cafe specializing in fresh pastries that are not available in my town. I'm looking to raise about $75K for buying equipment, interior design, and 3 months working capital. I have great credit (FICO close to 800), house, but currently putting all my efforts in starting the business.My questions is what is the best way to secure a loan? This is 2012, are banks more willing to lend and do SBA backed loans help at all?And yes, I've seen the statistics on how many startup businesses fail, but instead of just throwing out the stats, can you guys give me constructive criticisms to help me make it?Thank you guys! I really appreciate your thoughtful responses.

This book has been put together to act as a guide for people involved in MLM or any other kind of business, who are willing to change their mindset from negative to positive. The world of MLM (Network Marketing) is full of ups and downs, and for anyone (especially newbies) to make head way, they have to be able to focus their minds on the right things. Whenever you feel discouraged or distracted, what do you do?Do you give up or leave the important things to do something completely unrelated to your goals? Are you feeling the pinch? Do you feel like you have tried everything and you are not yielding results? Well, theres no need to worry, all you need to do is persevere; theres no one that has ever made it in life without a struggle here or there.To be able to view things positively even when nothings happening is not easy, but its doable. Impossibility should be avoided as a plague. Get your copy and digest every page, because there are treasures buried in them. A few things to look out for in this book:- How to use the fear of failure to your benefit
- Why you need to define your purpose
- How to look beyond the obstacle
- How to follow the rules in MLM
- What to program your mind on at all times if you want to succeed. http://www.amazon.com/Build-Positive-Mindset-Success-ebook/dp/B0...Amazon Coupons

This book has been put together to act as a guide for people involved in MLM or any other kind of business, who are willing to change their mindset from negative to positive. The world of MLM (Network Marketing) is full of ups and downs, and for anyone (especially newbies) to make head way, they have to be able to focus their minds on the right things. Whenever you feel discouraged or distracted, what do you do?Do you give up or leave the important things to do something completely unrelated to your goals? Are you feeling the pinch? Do you feel like you have tried everything and you are not yielding results? Well, theres no need to worry, all you need to do is persevere; theres no one that has ever made it in life without a struggle here or there.To be able to view things positively even when nothings happening is not easy, but its doable. Impossibility should be avoided as a plague. Get your copy and digest every page, because there are treasures buried in them. A few things to look out for in this book:- How to use the fear of failure to your benefit
- Why you need to define your purpose
- How to look beyond the obstacle
- How to follow the rules in MLM
- What to program your mind on at all times if you want to succeed. http://www.amazon.com/Build-Positive-Mindset-Success-ebook/dp/B0...Amazon Coupons

Hunter 45180 IllumiNite 4-LED Emergency Light - $5.99 with free super saver shipping
Power failure light from existing light source....where you expect it. Use daily as night light, flashlight or power failure light solution. 4 Super Brite LEDs: safer, brighter, and more convenient than candles or flashlights. Photocell automatically turns lights ON when dark/OFF when light. Built-in rechargeable batteries are always charged and ready for use: provide up to 16 hrs of light.
Emergency LightAmazon Coupons

TextProduct Description:
Western Society is in confusion, the industrial world is teetering on collapse, and it looks like things could get worse. Agrarian Blogger, historian, and "plain" preacher Michael Bunker has been living off of the grid for many years, and he has some advice for those living in the industrial/consumerist economy living an off off-grid life is achievable. It has been done for thousands of years, and it can be done today... It is quite possible that many people who have relied on a failing system for their means of survival will very soon find that they have made a mistake of historic proportions. Historic, because every major "classical" culture went down the same road our society is on today. This book is about the lessons we should have learned, and what you can do to survive what history tells us must come next.Amazon Coupons

TextProduct Description:
Western Society is in confusion, the industrial world is teetering on collapse, and it looks like things could get worse. Agrarian Blogger, historian, and "plain" preacher Michael Bunker has been living off of the grid for many years, and he has some advice for those living in the industrial/consumerist economy living an off off-grid life is achievable. It has been done for thousands of years, and it can be done today... It is quite possible that many people who have relied on a failing system for their means of survival will very soon find that they have made a mistake of historic proportions. Historic, because every major "classical" culture went down the same road our society is on today. This book is about the lessons we should have learned, and what you can do to survive what history tells us must come next.Amazon Coupons

Get a Red Royalty Card at any RED ROBIN RESTAURANT and register it online to get a FREE APPETIZER.
REWARD PLAN............................................REWARD
=============================================================
Royalty 5 Visits in 5 Weeks...................$20.00 Discount(1)
Royalty Buy 9, Get 10th Free..................1 Free Item(2)
Birthday......................................1 Free Gourmet Burger(3)
Registering Card Online.......................1 Free Appetizer(1) Expires in 5 Weeks of joining club, See below
(2) Mix or match Gourmet Burgers, salad, sandwiches or entrees
(3) Valid month of your birthday
PLEASE NOTE:
============
Visit a participating Red Robin restaurant, pick up a Red Royalty Card and Register it here to begin reaping the benefits of Royalty. One reward redeemable per visit. If you have more than one reward available for redemption, the higher priority reward will be redeemed on your next visit and the unredeemed reward will remain on your card until your next visit. RED ROYALTY REWARDS
===================Reward Redemption Order * 1. Registration Reward
* 2. Surprise & Delight Rewards
* 3. 5 Visits in 5 Weeks, $20 Reward on 6th visit
* 4. Birthday Burger
* 5. Buy 9 items, Get the 10th item Free REGISTRATION REWARD
===================
Upon registering a Red Royalty card at www.redrobin.com/redroyalty, a free appetizer reward will be placed on the card. In order to receive the reward, the member must visit a Red Robin restaurant within 14 days and order the appetizer. If there is another reward available in addition to the Registration Reward, the Registration Reward will take priority and be redeemed first since it is a limited time offer. SURPRISE AND DELIGHT REWARDS
============================
Occasionally throughout the year, members will receive email notification regarding Surprise & Delight Rewards that are available to them as a registered member. These rewards are limited time offers and can only be redeemed during a designated time frame. Because of their redemption restrictions, these types of rewards will take priority over any other reward except the Registration Reward. 5 VISITS IN 5 WEEKS
===================
If a member visits 5 times in the first 5 weeks of activating their card in restaurant, they receive a $20 reward to be redeemed on the 6th visit. In order for a visit to count towards this reward, the member must purchase a burger, entre, full-sized salad or sandwich. Kid's Meals, dinner / side salads, appetizers, soups, desserts or beverages on their own do not count as a visit. Because of the high value of this reward, it takes priority over any other reward except those with a limited redemption window (the Registration Reward and Surprise & Delight Rewards). Once this reward is earned, it remains on the member's card until their 6th visit or the first visit in which the 5 in 5 is the highest ranked reward, whichever comes first. The entire value of the reward must be used during the redemption visit. If the entire $20 is not used, the unused portion will be lost.
BIRTHDAY BURGER
===============
During the month of the member's birthday, a free burger will be placed on their Red Royalty card. In order to receive the reward, the member must visit during the month of their birthday and order any of Red Robin's Gourmet Burgers. If the member visits and orders a burger, but also has the Registration Reward available, the Registration Reward will be redeemed first since it is a limited time offer. Since the burger was ordered during the month of the member's birthday, it will remain on their Red Royalty card and be available for redemption during their next visit. BUY 9 ITEMS, GET THE 10TH ITEM FREE
===================================
Every time a member visits and orders a burger, entre, full-sized salad or sandwich, they receive a credit. Kids' Meals, dinner / side salads, appetizers, soups, desserts or drinks do not count as a credit towards this plan. Once a member has accumulated 9 credits, the 10th burger, entre, full-sized salad or sandwich ordered will be free. If a member uses their card and their order includes 2 burgers and 1 entre, the member will receive 3 credits towards this plan. Once a free item is earned, it remains on the member's card until it is redeemed. It does not expire. This reward will restart as soon as it is achieved. CHANGES TO THE RR PROGRAM OR REWARDS
====================================
We have the right at any time, with or without giving you prior notice, to: 1. end the RR Program and/or any specific Reward;
2. change any Reward or other RR Program benefit we offer;
3. change the requirements for earning a particular Reward;
4. change the time you have in which to earn a particular Reward; and
5. change any other feature of the RR Program..If we decide to end the RR Program or a specific Reward, we will provide you 90 days notice either by emailing you at the email address listed in your RR Account or by posting a notice on www.redrobin.com/RedRoyalty. Rewards accumulated under the RR Program have no cash value, and upon termination of the RR Program or a specific Reward, Rewards earned but not used by you as a result of your participation in the RR Program will expire and will not be redeemable for cash or any other form of compensation.To the extent permitted by law, you agree that when you enroll in the RR Program you are agreeing to waive your rights under any law that may require us to obtain judicial permission to change these Rules or to end the RR Program.
RESTRICTIONS
============
Each member of Royalty must have a separate unique registered RR Card and a unique email address. If you present your RR Card to the server, then your purchase will be applied to your RR Account. If you dine together with several members, and you each have your own RR card, then inform your server that you would like each member's respective purchases to be applied to each member's respective RR Accounts. Rewards are non-transferable and cannot be shared with family members, friends or other Royalty. HOW AND WHEN MEMBERSHIP MAY END
===============================
You may cancel your RR Card at any time. To cancel your RR Card, you may opt-out of the program from a Red Royalty email communication unsubscribe link, or click here to send a Red Royalty inquiry. As soon as you cancel your RR Card, all Rewards earned and not used will be cancelled. It is important to note that opting out from receiving emails from Red Robin International, Inc. will automatically remove you as a member of the RR Program.We may cancel your RR Card if we determine that you are not eligible to be a member of the RR Program or that you have violated these Rules. We may cancel some or all of your earned Rewards if we determine that you received the Rewards due to an error, through fraud or deception, or in any manner not authorized by these Rules. LIMIT ON LIABILITY
==================
In this Limit on Liability section of the Rules, Red Robin International, Inc. and its parent company, subsidiaries, their directors, officers, employees, agents, and Red Robin International, Inc.'s franchisees and their parent companies, subsidiaries, directors, officers, employees, and agents are referred to as the Red Robin Parties. By enrolling in and participating in the RR Program, you agree that none of the Red Robin Parties shall be responsible or liable to you for: (1) any claim, loss, injury, damage, delay, accident, cost or expense, including attorney's fees, arising out of or related to the RR Program, these Rules, and the Website; (2) any incidental, indirect, special, punitive, exemplary or consequential damages, arising out of or related to the RR Program, these Rules, the Website, (3) any failure, delay or decision by Red Robin Parties in administering the RR Program, or any unauthorized use of your RR Card; (4) any data security breach as to the information you provide to enroll in the RR Program that is beyond our reasonable control; (5) any representation, claim, offer or statement we make about the RR Program; and (6) any Rewards you receive through the RR Program.In no event will the Red Robin Parties be liable to you for more than $50 in the aggregate on account of all wrongful acts or omissions by the Red Robin Parties arising out of or relating to the RR Program.
NO GUARANTEE
============
Red Robin International, Inc. does not represent or warrant the accuracy or completeness of the information contained in the Website or that the Website will be available to you 100% of the time.
WHICH STATE'S LAW CONTROLS
==========================
The law of the state of Colorado, without regard to its conflict of laws rules, will govern your enrollment and participation in the RR Program and our performance of our obligations under the RR Program.If applicable law prohibits us from offering the RR Program to you, then you may not participate in the RR Program. If applicable law prohibits us from offering you a feature of the RR Program, then we may either not offer you that feature of the RR Program or drop you from the RR Program.
CHANGESWe may need to revise these Rules as needed. If we do change the Rules, then the revised Rules will be substituted for these Rules.
Red Robin Rewards - NEW TERMS & CONDITIONS - Please Read BEFORE visiting Restaurant.

Amazon. Tom & Jerry Golden Collection: Volume One [Blu-ray] (1998) Now 22.99 was 34.99. Amazon Prime customers receive free 2 day shipping. Eligible for free super saver shipping.
http://www.amazon.com/dp/B0058O1FHK/During the '40s, MGM's Tom and Jerry series was animation's gold standard, challenging Disney in the Animated Short Film Oscar category. The lavishly produced shorts featured polished animation, brash slapstick gags, and lush watercolor backgrounds. The series, which began in 1940 with "Puss Gets the Boot," ran for 15 years and won seven Oscars. Many of these cartoons follow the pattern set in "Puss Gets the Boot": housekeeper Mammy Two-Shoes (voiced by Lillian Randolph) warns Tom that if he makes a mess or fails to catch the mice, he's out on his ear ("O-W-T, out!"). Jerry overhears the threat and makes trouble. In cartoons where Mammy doesn't appear, Jerry finds other reasons (or excuses) to cause problems for Tom. But the stories are only fast-paced vehicles for the animated gags, like Tom's exaggerated jitterbug in "Zoot Cat" or his jaw-dropping, bug-eyed "takes" in "Mouse Cleaning." The Golden Collection features cartoons from 1940 to 1948, and includes the Oscar winners "The Yankee Doodle Mouse," "Mouse Trouble," "Quiet Please!" and "The Cat Concerto." The transfers were made from excellent prints and look terrific. Unlike previous re-dubbed video releases, Mammy Two-Shoes' dialogue is presented intact, although the subtitles offer the cleaned-up versions from the previous Spotlight Collection. In "Old Rockin' Chair Tom," she declares, "If you is a mouser, I is Lana Turner, which I ain't"; the subtitles read, "If you're a mouser I'm Lana Turner, which I'm not." An introductory statement proclaims that the ethnic stereotypes "were wrong then and are wrong today," which misses the point. The stereotypical African-American maid and blackface gags were considered good fun and good taste in the era of Amos and Andy; that they are no longer acceptable reflects the social progress of the intervening decades. (Unrated, suitable for ages 7 and older: cartoon violence, ethnic stereotypes) --Charles Solomon
(1. Puss Gets the Boot, 2. The Midnight Snack, 3. The Night Before Christmas, 4. Fraidy Cat, 5. Dog Trouble, 6. Puss 'n' Toots, 7. The Bowling-Alley Cat, 8. Fine Feathered Friend, 9. Sufferin' Cats! 10. The Lonesome Mouse, 11. The Yankee Doodle Mouse, 12. Baby Puss, 13. Zoot Cat, 14. The Million Dollar Cat, 15. The Body Guard, 16. Puttin' on the Dog, 17. Mouse Trouble, 18. The Mouse Comes to Dinner, 19. Mouse in Manhattan, 20. Tee for Two, 21. Flirty Birdy, 22. Quiet Please! 23. Springtime for Thomas, 24. The Milky Waif, 25. Trap Happy, 26. Solid Serenade, 27. Cat Fishin', 28. Part Time Pal, 29. The Cat Concerto, 30. Dr. Jekyll and Mr. Mouse, 31. Salt Water Tabby, 32. A Mouse in the House, 33. The Invisible Mouse, 34. Kitty Foiled, 35. The Truce Hurts, 36. Old Rockin' Chair Tom, 37. Professor Tom)Product Description
Features include: MPAA Rating: UNRATED
Format: Blu-Ray

It's back, but only for a short time.
The rebate form contains a unique code, so be sure to browse to the pdf through their link. Expires 2/26.
information:
Volvo 10k OCI UOA here
2000 Jeep Cherokee 6k OCI UOA here (note contamination due to failing manifold)
Ford Explorer 5k hereI've participated in their FAR promotions twice in the past year, and received the rebate checks in a timely manner. The most recent one even came with a free oil change sticker, window sticker, and more MIR forms. This company is hemorrhaging money, but not as badly as they used to. There is no guarantee that this company will be around to pay for your rebate. Here is their latest financial report.We continue to have discussions with existing and potential new investors regarding an investment in us. Although we do not have any firm commitments, we intend to continue these discussions. Additionally, we believe revenues will increase as consumers learn of and experience the efficacy of our products. Increased revenues will reduce, or eliminate our operating losses and enable us to meet our financial obligations. However, there can be no assurances that we can attract new investment, increase revenues or attract new investment on terms acceptable to us. Failure to obtain sufficient equity financing would have substantial negative ramifications to us.Walmart Coupons

Have a 2000 Honda Accord with 100K miles. The right front wheel bearing failing ($573), but the Honda dealer also said the struts and suspension ($1400), timing belt/water pump ($500-600), this and that... all are need replacement. Looking at Edmunds.com, the car is currently worth about $3-4K, but the value can only going down while repairs go up. Just bought my wife a 3 year old CRV 4 months ago at 2.9% APR x 3 years, so I don't want to add another monthly bill on top of that. I wouldn't mind just letting it die as long as it can last until the CRV's paid off. Any good rule of thumb on when to keep fixing a car vs. when to let it go?

I visited a dental office to have a deep cleaning and root canal. I have an individual dental plan from Delta and the dentist is in network. Before each procedure, I always asked the accountant at the front desk whether the procedure is covered and how much is covered. They told me both are covered at 50%. So I have the treatment done. After several months, I received a bill of more than 1200 from the dental office. Because in addition to the deep cleaning and root canal, they also charge huge amount for so called consultation, evaluation and several Xrays which they told me are covered by insurance and I am not responsible for those. I later found out that the insurance company denied their claim as there's a limit on the service claimed. But I was not informed before and at the time of the treatment that it was COVERED. Had they informed me correctly, I will not let them take the Xrays and the consultation and examination was not performed without letting me know (Each time I went their office, I sat down and they finished the procedure, I was not even aware there is a procedure called consultation and evaluation!)Long story short, here is my problem:
1. They told me some procedure was covered before the treatment but turned the responsibility to me after they failed to get money from the insurance.
2. They charged consultation and evaluation without letting me know there is a charge.I accepted that I am responsible for the deductible and charges beyond the yearly max ($1000 for me). But that is only around 500. the rest ($700) are from the services that I am not aware of or due to their false information on the coverage. I am willing to pay the $500 but not the total $1200!Any suggestions on this will be greatly appreciated.

B&M Coupon Link (exp. 2/15)Online: SEARSJEWELSWeb Version of E-mailYou also receive a $10 off $50 tool purchase coupon with your order.Coupon Text said: Valid February 8, 2012 TO February 15, 2012 in U.S.A. only, not to be used with any other coupon or associate discount. Sales Associate: Please collect this coupon. If unable to scan, manually enter the coupon number. Savings off regular and sale prices apply to merchandise only. Not valid on clearance and closeout, Special Purchases, everyday great price items, Introductory Offers, red tag special buys, Insane Deals, Price Drop items, outlet store purchases, catalog orders, Gift Cards, and protection agreement. Redeemable at Sears stores and Sears.com only. One coupon per purchase. Void if copied, transferred or obtained through channels not approved by Sears Holdings. Void where prohibited by law. Any other use constitutes fraud. Cash value 1/20 cent. In an event of a return, coupon savings may be deducted from your refund. Valid online with code searsjewels. Savings shown in cart. Sears.com applies to items marked Sold by Sears only. Online coupon code limited to one-time use only. 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.Sears.com Coupons

I'm trying to transfer my United miles to Continental to take advantage of much better options (more flights, less miles), but seem to be unable to do this. The website for the transfers isn't working and customer service has failed to get back to me with an answer. Does anyone know if this is still an option or is it over as part of the merger?Thanks for the help.

free shipping and with my favourite color--violet.should be a good gift to gf.i tried to attach a picture but failed. maybe something wrong the website function.sony cyber-shotBest Buy Coupons

http://us.ncix.com/products/?sku=65531&vpn=SV200S37A%2F128G&manu...
Kingston SSDNow V200 128GB 2.5IN SATA3 Solid State Disk Flash Drive With Adapter
$133.00 USD
Savings Code 65531-1012. SAVE $56.98 off our regular price of $189.98 if you buy today! Special price ends 02/08/2012.
Multiple capacities to fit your design needs
Form Factor 2.5-inch drive available in both 7.0mm (64GB & 128GB only) & 9.5mm (256GB) to fit more systems
Faster boots system and applications faster than a hard drive
Silent runs silent and cool
Reliable with no moving parts, solid-state drives are less likely to fail than standard hard drives
Supports S.M.A.R.T. monitors the status of your drive
Supports TRIM ensures maximum performance on compatible operating systems
Guaranteed three-year warranty, 24/7 tech support Specifications Form factor 2.5"
Interface SATA Rev. 3.0 (6Gb/s) with backwards compatibility to SATA Rev. 2.0 (3Gb/s) , SATA Rev. 1.0 (1.5Gb/s)
Capacities1 128GB
Dimensions 64GB & 128GB 69.8mm x 100.1mm x 7mm
256GB 69.8mm x 100.1mm x 9.5mm
Weight 64GB & 128GB 88g
256GB 105.2g
Storage Temperatures -40C to 85C
Operating Temperatures 0C to 70C
Vibration Operating 2.17G Peak (7800 Hz)
Vibration Non-Operation 20G Peak (102000 Hz)
Sequential read 64GB up to 260MB/s
128GB up to 300MB/s
256GB up to 300MB/s
Sequential write 2 64GB up to 100MB/s
128GB up to 190MB/s
256GB up to 230MB/s
Max Random 4k Read 32GB 32,000 IOPS
64GB 36,000 IOPS
256GB 32,000 IOPS
Max Random 4k Write 3 32GB 1,400 IOPS
64GB 2,500 IOPS
256GB 4,000 IOPS
Power Consumption 0.491 W (TYP) Idle / 1.87 W (TYP) Write
Life expectancy 1,000,000 Hrs MTBF

Just got an email offer in for my Amazon Rewards VISA - use discount code "FEBGET20" and pay with your Amazon Rewards Visa to get 20% off. No idea if it is targeted.TERMS AND CONDITIONS 1 Limit one discount per customer. One time use promotional code valid on select Jewelry and Watch purchases up to $1,000 through February 14, 2012 11:59 PM (PT) or while supplies last. Maximum discount applied will be $200 on qualifying products sold by Amazon.com at www.amazon.com/februaryoffer and eligible for purchase with the Amazon.com Rewards Visa Card. Amazon.com reserves the right to cancel the promotion at any time. Offer must be redeemed through the Amazon.com shopping cart using your Amazon.com Rewards Visa Card as your payment method. Offer must be redeemed at the Amazon.com web site, www.amazon.com. Products sold by other merchants or third parties do not qualify for this promotional offer. Offer 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. If Amazon.com is not the seller, this will be noted on the product detail page. Offer cannot be redeemed at Amazon.ca, Amazon.co.uk, Amazon.de, Amazon.fr, Amazon.co.jp, or any other web site operated by Amazon.com, its affiliates, or third-party merchants (including web sites linked to from the Amazon.com site). Taxes, gift-wrap, and shipping and handling not subject to discount. Offer may not be combined with other claim code-based offers. Offer is not for resale and is not redeemable for cash. Offer cannot be applied to orders already placed with Amazon.com. If you return an item purchased using the offer, you will receive a refund for the amount paid for the item. Void where prohibited. Chase is not responsible for provision of or failure to provide the stated benefits and services.

http://www.kingsizedirect.com/
Solid Hooded Parka Jacket by Boulder Creek
Was: $139.99Now: $41.99
Item #: 1162-15965-1001 
Our microfiber hooded parka by Boulder Creek is an extremely warm jacket with a detachable hood for extra warmth. This parka jacket is so comfortable and warm it is perfect for winter weather. This all purpose coat is perfect for snowy weather and blocks wind better than anything. Try layering it over a warm long-sleeve thermal henley and soft sweaters for winter wear that will never fail. Or wear it over your favorite NFL hoodie as youre cheering on your team in the stands. Youll look like a winner no matter what the outcome of the game! 
Chaps 1/4-Zip Cotton Sweater
Was: $83.50Now: $33.40
Item #: 1164-04236-1336 
Fabric: Cotton. Care: Machine wash. Origin: Imported.Pullover sweater
Ribbed knit yoke, mock neck, collar and cuffs
Chaps crest at left chest
1/4-Zip Neck
Big and Tall Mens Sweaters - Chaps 1/4-Zip Cotton Sweater.  Big: length - about 32"Tall: length - about 34" etc

As I understand it, FDIC protection is for principle (though interest is often also covered in bank failures).This question is in the instance that FDIC does NOT cover the interest portion. Would it have been better to have the interest removed monthly (mailed a check) or would it make no difference and the FDIC would simply deduct the interest previously paid from the principle anyway? Or is the calculation a very simple one such as: you deposited $100.00, you get $100.00 (regardless of balance in account).Edit to avoid confusion: This question assumes a balance of $250,000.00 at one institution. This question as to how it relates to interest above and beyond the 250K limit.

LinkUse promo code 5OFF for $5 off any order. Reliant Ammo .40 S&W 180 Grain FMJ New Brass Ammo.
RELIANT AMMO SALE - 36% OFF All AMMO
Best Value on the Internet - Guaranteed*
We're much CHEAPER than Cheaper than Dirt, and we guarantee our ammo**
*If you find an online competitor who sells new, brass, in-stock, USA-made ammo for less,
we'll match that price and quantity and give you an additional $10 off your order.
**IF OUR AMMO MISFIRES, we will give you a credit for a free box of ammo or refund
your money, including shipping costs, if any. This offer does not apply to jams, stove-piping, or
failures to eject, as these problems are usually caused by firearm malfunctions and/or operator errors.
New Brass* Ammunition Made in the USA
Guaranteed to Fire, or well refund your money or give you a free box of ammo****
*9mm and 38 special jacketed hollow points are cased in nickel at no extra charge.
**Cash & carry is available in only in Spokane, Washington. Prices include sales tax.
***Ammo is shipped United Parcel Service from Lewiston, Idaho. Cost depends upon distance,
but shipments of 500 rounds to Spokane are usually $10 to $12. Ammo ordered online is
purchased from Reliant Ammo USA LLC of Surprise, Arizona. Ammo picked up is purchase
from DKD Endeavors LLC of Spokane, Washington.
****50 rounds for all calibers except .308 and .50 (20 rounds each). For refunds, well send
you instructions for returning the ammo.

Kingston SSDNow V200 128GB 2.5IN SATA3
use code 65531-1130 saves 51.00
final price 138.99 with free shipping
and best of all no rebates
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Features
Multiple capacities to fit your design needs
Form Factor 2.5-inch drive available in both 7.0mm (64GB & 128GB only) & 9.5mm (256GB) to fit more systems
Faster boots system and applications faster than a hard drive
Silent runs silent and cool
Reliable with no moving parts, solid-state drives are less likely to fail than standard hard drives
Supports S.M.A.R.T. monitors the status of your drive
Supports TRIM ensures maximum performance on compatible operating systems
Guaranteed three-year warranty, 24/7 tech support
Specifications
Form factor 2.5"
Interface SATA Rev. 3.0 (6Gb/s) with backwards compatibility to SATA Rev. 2.0 (3Gb/s) , SATA Rev. 1.0 (1.5Gb/s)
Capacities1 128GB
Dimensions 64GB & 128GB 69.8mm x 100.1mm x 7mm
256GB 69.8mm x 100.1mm x 9.5mmWeight 64GB & 128GB 88g
256GB 105.2gStorage Temperatures -40C to 85C
Operating Temperatures 0C to 70C
Vibration Operating 2.17G Peak (7800 Hz)
Vibration Non-Operation 20G Peak (102000 Hz)
Sequential read 64GB up to 260MB/s
128GB up to 300MB/s
256GB up to 300MB/sSequential write 2 64GB up to 100MB/s
128GB up to 190MB/s
256GB up to 230MB/sMax Random 4k Read 32GB 32,000 IOPS
64GB 36,000 IOPS
256GB 32,000 IOPSMax Random 4k Write 3 32GB 1,400 IOPS
64GB 2,500 IOPS
256GB 4,000 IOPSPower Consumption 0.491 W (TYP) Idle / 1.87 W (TYP) Write
Life expectancy 1,000,000 Hrs MTBF

TextWall Mounted Laptop Safe & Security CabinetCompare at:$179.99 Your Price: $39.99 (You save $140.00)
SKU: eco-safe-300-20
Product Description
Keep your valuable electronics safe and their information protected from prying eyes and theft. Perfect for home, the office, schools and anywhere others may want to access your private information.
Stores up to 17" wide-screen laptops and some larger models as well (check diagram for inside measurements)
Welded 20 gauge steel construction
Easily installed on vertical surfaces
Electronic keypad lock (for safety, the safe also comes with a back-up battery pack so the safe can be opened should the batteries fail)
Also, for added assurance, the safe comes with two keys so you can access the safe without the keypad should something go wrong.
Resettable password can be changed as often as you like
Two 1.5" grommet opening for wires to recharge your laptop phone or anything else you wish to store
Measures 19.5" high, 20.5" wide, 5" deep when closed

Packaging: mail order box with upc

Watch the Superbowl on your new big screen TV
Use coupon code JANGET10http://www.amazon.com/gp/feature.html?ie=UTF8&docId=1000759771Limit one discount per customer. 1 time use promotional code valid on select TV purchases up to $2,000 through January 23, 2012 11:59 PM (PT) or while supplies last. Maximum discount applied will be $200 on qualifying products sold by Amazon.com at www.amazon.com/januaryoffer and eligible for purchase with the Amazon.com Rewards Visa Card. Amazon.com reserves the right to cancel the promotion at any time. Offer must be redeemed through the Amazon.com shopping cart using your Amazon.com Rewards Visa Card as your payment method. Offer must be redeemed at the Amazon.com web site, www.amazon.com. Products sold by other merchants or third parties do not qualify for this promotional offer. Offer 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. If Amazon.com is not the seller, this will be noted on the product detail page. Offer cannot be redeemed at Amazon.ca, Amazon.co.uk, Amazon.de, Amazon.fr, Amazon.co.jp, or any other web site operated by Amazon.com, its affiliates, or third-party merchants (including web sites linked to from the Amazon.com site). Taxes, gift-wrap, and shipping and handling not subject to discount. Offer may not be combined with other claim code-based offers. Offer is not for resale and is not redeemable for cash. Offer cannot be applied to orders already placed with Amazon.com. If you return an item purchased using the offer, you will receive a refund for the amount paid for the item. Void where prohibited. Chase is not responsible for provision of or failure to provide the stated benefits and services.

I just received an email about this class action settlement. My claim number and control number was included with the email.More information can be found on www.LDALitigation.com.
A proposed settlement has been reached in a class action lawsuit, Webster v. LegalZoom.com, Inc. Case No. BC438637 (lawsuit), pending in the Superior Court of the State of California for The County of Los Angeles (Court). The lawsuit claims that LegalZoom.com (LegalZoom) made misleading advertising statements and over-promised the services that LegalZoom would provide. It also claims that LegalZoom failed to comply with the California Legal Document Assistant Act. LegalZoom continues to deny it did anything wrong. THERE ARE NO CLAIMS OR ASSERTIONS IN THIS CASE ABOUT THE VALIDITY OF ANY LEGALZOOM DOCUMENT OR SERVICE. Am I a Class Member? You are Class Member if you purchased a legal document or legal document assistant service from LegalZoom from 9/15/2005 through 6/16/2011.

Free App, Family Feud & friends iOS 5Stars
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Knowing God
by J.I. Packer and read by Simon Vance A lifelong pursuit of knowing God should embody the Christian's existence. According to eminent theologian J.I. Packer, however, Christians have become enchanted by modern skepticism and have joined the "gigantic conspiracy of misdirection" by failing to put first things first. Knowing God aims to redirect our attention to the simple, deep truth that to know God is to love His Word. http://christianaudio.com/free?utm_source=christianaudio&utm_cam...

I recently heard a piece on the radio about being able to deduct expenses for a parent, even if they do not live with you and even if you don't provide more than half of their support. I have read through Publication 501 from the IRS but am still a little unclear about our options. A little background below:My father in law was diagnosed with terminal cancer, had a brain tumor removed in September 2010 and in October 2010 had a nearly fatal blood clot. Since then, we have done much to keep my father in law comfortable in his home. Unbeknownst to anyone, he has had severe financial difficulties (in arrears on his property taxes, all his credit cards are maxed and closed by bank) and he is behind on all his utilities and his car (he hasn't driven in nearly 19 months, but my sister-in-law uses it to get around). During the time leading up to his brain tumor diagnosis, he failed to cash nearly $15K in pension checks (would have eased much of his financial crisis - but things began to snowball when he got behind). Upon discovering his financial situation, my wife and I were able to contact his previous employers who reissued the checks (some going back nearly 4 years). While those checks helped, that well ran dry and we've been supplementing his bills for the past year+.One of the biggest expenses involved having to throw out everything in the family room and basement and refinish both rooms after deadbeat brother in law (who lives in the house) allowed his flea infested animals to destroy the bottom floor of the house. After dealing with the rat and flea infestation (the house was nearing being inhabitable - we were afraid Adult Protective Services might be called) we dropped $3000 into getting the house livable (also F-I-L's bedroom which was also rat infested while he as in hospital/rehab).Though my brother-in-law and sister-in-law (and their baby) live in my father-in-laws house, they do not contribute to the household. They fully expect my F-I-L to buy the food, pay the electricity etc. Basically my father-in-law can afford to live in the house, but he can't afford to live in the house while paying the way for a household of four). Because of this, we've been paying the hospital/doctor bills so they aren't constantly calling the house and causing my F-I-L more stress. Along with that, we've driven him to numerous doctors appointments, physical therapy appointments, follow-ups etc. This is a major expense, since a round trip from our house, to his, to the hospital costs us about $35 - including gas (we live 65 miles one way), tolls ($13 round trip to Long Island) - not to mention the wear an tear on our cars.Basically my question is, can we deduct the expenses associated with keeping my F-I-L's house livable and paying his bills?I believe there are income thresholds regarding this, but how much can he earn? He has two small pensions (~$600/month) plus his social security. Is it gross income? Net income? Taxable income?We typically do our own taxes, but don't want to take on something like this without knowing a little more. We're going to be looking for a trustworthy CPA/tax account, but wanted to have a little bit of knowledge to know the best questions to ask.Thanks for taking the time to read this, and for any input you might provide. (and yes, the names were changed to protect the innocent).

IMO O&O DiskImage is the best disk imaging software available. Acronis used to be good, but has been going downhill for a while and I gave up on it a few years ago. I don't know if they've improved since. I've been pretty happy with O&O. It has it's quirks, but so far it's the best I've found and the lowest failure rate. With any disk imaging software do NOT rely on one backup image. Make more than one and if possible and/or necessary make weekly or monthly images.Anyway the free version available for about 19 hours more: http://giveaway.downloadcrew.com/At the bottom of the page is a link to get the latest version for 14.50, the regular price is $29.

Need to sell my car and found a private party and we agree on the price. Catch is he wants to do it 2 weeks away on a certain date / next day and I am moving out of country on that first day. Our timelines overlap just for a day. I know it's cutting too close and if transaction fails, I do not have any fallback option. Need advice here on how to structure the deal. We both live in PA.
Local Autotag says both Buyer and Seller need to be present to complete the transaction. However I can not wait until that date, as it's too risky.If I sign the title in front of notary public in next 2-3 days and hand it over to him along with Car, will it help? Can he use that to tranfer the title on that date?Appreciate your help.

Extend your wireless network to dozens of devices with the Zoom Wireless-N Router. Connect your home network to every laptop, desktop, or tablet in the house, or tether it to your smartphone to create an instant Wi-Fi hotspot anywhere. The Zoom Wireless-N router supports virtually every 3G, 4G and LTE carrier -- simply plug your modem or smartphone into the router to share high-speed mobile broadband with a 300 meter range. It's compatible with WAN and LAN connections, so as long as there's a signal and AC power in the area, you're ready to surf, stream, and get up in that cloud on all your wireless devices.Free Standard Shipping to the contiguous 48 United States. Processing takes 1-2 days. Details
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Brand: Zoom
Product Type: Wireless-N Router
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Configurable as a Broadband Router or as a Wireless Repeater
Color: Black
Warranty: One year
Weight: 8.2 ounces
Dimensions: 5'' x 5.13'' x 1.25'' (12.1 cm X 13 cm X 3.2 cm)
Certifications: FCC, CE, Industry Canada, RSS-210, RoHS compliantFeatures
Works with compatible 3G, 4G, and LTE modems and smartphones
Also works with any DSL or cable modem that has an Ethernet port
Permits automatic switching to mobile broadband if a cable or DSL connection fails
Supports up to 253 WiFi devices within up to 330 yards (300 meters)
Greater wireless range and security than smartphone hotspots
Does not drain smartphone battery
Can charge a tethered smartphoneWireless LAN Standards
IEEE 802.11n
IEEE 802.11b/gInterfaces
1 X RJ45, 10/100 Mbps port for wired WAN interface
1 X RJ45, 10/100 Mbps port for wired LAN networking
1 X USB 2.0 Host for 3G/4G modem or tethered smartphone
WPS button, reset buttonWireless LAN security
64/128 bits WEP (Wired Equivalent Privacy)
WPA (WiFi Protected Access) and WPA2
SSID stealth; WPS for easy security setupInternet Security
Stateful Packet Inspection (SPI) Firewall
Network Address Translation (NAT)
Denial of Service (DoS) attack detection
Virtual Private Networking (PPTP, L2TP, IPSec) pass through
MAC, Packet, and Domain name filtering
URL BlockingManagement
Universal Plug and Play (UPnP)
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Simple Network Management Protocol (SNMP) supportAdvanced Router Functions
Quality of Service (QoS) support
URL Blocking/Filtering (parental control)
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Virtual Server, Port triggering, and DMZ host
Dynamic DNS
Configuration Backup/Restore
Wireless Distribution System (WDS) support
Wireless Multimedia Extension (WME), WiFi Multimedia (WMM) supportVPN support
IPsec, L2TP, PPTP VPN passthrough
PPTP, L2TP connectionSupported WAN Protocols
3G
4G LTE
Static IP Address
Dynamic IP Address
PPP over Ethernet; PPTP WAN type; L2TP WAN typeAntenna
One external antenna with pivoting position adjustmentPower Adapter Output
5 Volts, 2.0 AmpsTransmission Rates
Maximum physical rate of up to 150 Mbps in 802.11n mode
6/9/11/12/18/24/36/48/54 Mbps in 802.11g mode
1/2/5.5/11 Mbps in 802.11b modeRange coverage
Indoors: up to 100 meters (330 feet), depending upon the environment
Outdoors: up to 300 meters (990 feet), depending upon the environmentLED Status Indicators
3G/4G WAN connection established, data being transferred, device status
LAN connection using Ethernet, data being transferred
Wireless LAN connection available, data being transferred
Wired WAN interface connection established, data being transferredWireless LAN Channels Frequency Range
United States (FCC) channel 1 through 11
Europe (ETSI) channel 1 through 13Package Contents
Wireless-N Router
Ethernet cable
Setup CD
Power adapter
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Hoping to get some quick advice on what my next steps should be. Originally bought my home in suburban Portland Oregon in 2004 (I am the second owner), and purchased an ALTA 10-17-92 owners title insurance policy at that time with an insurance amount equal to the homes purchase price of $190k. Nothing unusual was listed on the title report -- just the usual five-foot utility easement running along the street, and the mention of a Subdivision Compliance Agreement dated from 1998 when the plat was divided and the house was built. Note that this regional title insurance company has since been acquired by First American Title. This may have some significance - read on.Fast forward to this morning. I am in the process of signing the closing docs for a mortgage refi at the local First American Title office, and it finally dons on me that preliminary title report for this new loan has an additional item listed on it that the year 2004 report did not Mineral Reservation as Contained in Deed, Recorded November 2, 1988. I ask my escrow officer about it, and she happily contacts the county to retrieve and email the document over to us.What we get back is titled Bargain and Sale Deed, and speaks to conveying of real property and interest to several named heirs, split up into fractions, also EXCEPTING all mineral rights relative to said real estate which are hereby retained by the Grantor. To Have and to Hold the same unto the said grantee and grantees heirs, successors and assigns forever. The true the actual consideration paid for this transfer, stated in terms of dollars, and NONE, this conveyance being for estate planning purposes.With a little bit on digging thru online documents and the GIS provided by my countys website, and based on the description of the dimensions of the deeded property, I have pretty much confirmed that this deed does accurately describe the outer bounds of two attached subdivisions, one built out in 1992, and the subdivision my house sits inside, built out in 1998. In total, twenty-eight homes (including mine) sit inside these deeded outer bounds.So, what do I need to do with this newfound information? I ended up completing the loan closing this morning, but now wonder if by doing so I might have given up some rights since this deed has now been disclosed to me via the new title report. Do I need to promptly rescind the new loan to protect myself? If this deed has always been on public record, how is it possible the original title company failed to find it? Any why did First American do so today? Is it possible that the deed is no longer valid, and First American (or the county) has made a mistake? How do I find out, and how do I make the deed transfer connection between the original grantee's plot from 1988, the two resulting subdivisions from 1992 and 1998, and finally my property? And lastly, if the deed is still valid, what kind of loss in $$$ are we talking about in a title insurance claim? Is this potentially an attorney-justifiable amount of loss?Thanks much in advance to everyone, and please try to excuse me if my use of contract language is not accurate. My day job is in IT.

Hi guys , what to know what you guys think on if its worth the work and expense of small claims .
Long story short.
I rented a room from a guy off craigslist. just him and I. Everything in the living area was his stuff before I moved in.there was no inspection sheet done prior to move in
We had a HUGE conflict, cops got involved, I gave my notice and moved.I was paid up until the 5th of the month, planned on doing a walk through on that day, however went out of town. Came back to the apt on the 6th, he said that since I only paid up until the 5th, he changed the locks that day so my key wouldnt work, wouldnt let me in to do a walk through, so I left right there with the old key in my hand as he didnt want that either. Now he is charging me for damages done to his furniture and taking it out of my security deposit. Now yes while the charges may seem small, undertand I make maybe less than 96 percent of you FW members. so small to you is big to me. I paid a 200 dollar security deposit he returned 110 with the receipt for repairs of the damages.
Is it really worth going to court to fight for that money to be returned to me? I mean I ddnt do the damage he is accusing me of, it was a common area used couch (we are talking about a small minor scratch) My other thinking is just to refuse to cash the check he sent, take it to court and sue for treble damages for failure to return it. or just take the money and cut my losses. How small of an amount is too small for you guys to just walk away from?

Hey FWF,I posted a few months ago that I was going to quit my corporate job and pursue a startup. There was some interest in me posting periodic updates on startup life.I ended up moving down to San Francisco in late October to work on the startup. My co-founders and I just received seed funding from a startup accelerator a couple weeks ago. While this in no way means we'll be successful (the odds are still very much stacked against us) it was a great validation of the direction we were moving towards as a company. It also provided me with some personal validation with respect to my decision to leave my corporate job. Even with the seed money, we're still not taking any salary and rolling it all into business costs which are mainly server costs as we're still working out of one of our apartments. We all have enough personal runway to last a while.The process for getting seed funding happened very quickly. We created our prototype in 3 weeks and presented it to the investors who grilled us on our vision and direction. They liked what we pitched and we got a phone call the next day saying they'd like to fund us. The funding process for startups is broken up into a few main rounds: seed/angel, series A, series B, etcAt the seed and angel stage, startups are typically looking for <$1MM in funding and is usually taken within the first 6 months to a year of the startup's life. From the investors' perspective, they know there's a huge failure rate for startups at this stage. What they are looking for are startups with high betas. They don't particularly care about companies with limited growth potential but would otherwise be a profitable enterprise. They really want to catch the next Facebook, AirBnb or Dropbox. For better or for worse, this mentality permeates the Valley. That being said, if you're looking to do a tech startup there's no other place to be. All other things being equal, a startup in the Valley will do better than a startup elsewhere simply because there's a huge pool of technical talent and investors here. Every week there's at least one startup party or networking event which leads to meetings and coffee with potential investors. At the very least you meet a bunch of very smart and very interesting people.

I work as an IT contractor (international, no 'home base' in the US), and I stepped into the state of OH for the first time in my life on 01/01/2011. I then filed my 2010 Federal and CT tax return as I worked in CT from 06/2009 to 09/2010. After I left my CT position, I visited my home country for three months and flew straight to OH.I got a '2010 Individual Income Tax Failure to File Notice' from the OH Dept of Taxation today saying that I used an OH address to file my Federal return (which is true, since I am in OH since the beginning of the year and used this OH address to file my returns) and I did not file the OH State return.For my response, Option 1 (which is the only one applicable) asks for the following supporting documents:
1. A copy of the return filed in another state (if applicable) which I will provide
2. Copies of all W2's and/or 1099's which I will provide
3. Additional documentation to validate residency for the 2010 calendar year which could be any one of the following:
(a) Lease agreements/mortgage agreements: I cannot provide this as only my roommate was on the lease
(b) Utility bills: Cannot provide; see (a)
(c) Cellphone bills: I use a pre-paid cellphone, no bills
(d) A letter on company letterhead or notarized statement from landlord substantiating beginning and ending date of residency: Cannot provide; see (a)What are my options here? I signed up for paperless statements a long time ago with my (US) banks too. Is this going to happen again the next year? Here in OH I am living in a hotel since the beginning of the year. I have to respond by Jan 04... what can I do?! Please help!

LinkyTo have $116 with Overstock 10% off coupon, you must follow each step carefully:
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I looking to create a portfolio of what I am now calling "permanent products". These are goods that are high in quality, which may cost more but end up saving you money in the long-run. They are the type of good that is built so well that it will probably outlast you yourself and will be something you'd like to hand-down to the next generation.For instance, I bought a Casio Solar Pathfinder watch with a titanium wristband and atomic clock on sale. The watch costs about $300 to $400 on average. They've stopped manufacturing it and replaced it with a newer, improved model. Apart from telling time and serving as a stop watch, the watch has other special features like a compass, altimeter, barometer, lunar phases of the moon, a tidal wave gauge and world-time. My primary two reasons for buying this watch is because I got tired of replacing the wristbands and changing the battery on my watch, and thus forking over an average of $30/year. Also, I found that cloth and leather wristbands often got soiled from sweat and caused me to get a rash on my wrist. Cheaper metal wristbands often woreout their outer plating and the inner metal often caused me to react allergically to the metal. The new watch I have is worry-free and seems built-to-last forever.I also like Allen Edmonds, Cole Haan, and Bruno Magli men's shoes. Their higher-end-but-modest-cost models last a long, LONG time. I have not had to replace any of my shoes and I have had my Allen Edmonds dress shoes resoled only once. The cost of resoling was much cheaper than the cost of buying a new pair of similar shoes. There is a world of a difference in the build quality of a $100 and a $250 pair of shoes. And brand does matter. I will never spend more than $500 on a pair of shoes, but I know now never to spend less than $175.Another example is I bought several genuine army wool blankets. These are getting harder to find at a good price. They are thin, warm, and last practically forever. I keep one in the trunk of my car in case of a breakdown in the snow and others around the house in case the power fails in my town. I paired these up with some thick, good quality wool socks. Don't expect the socks to last forever, but do expect them to last a lot longer than my usual winter socks.I also went on eBay and bought an older, used classic Coach briefcase for $200. The older model briefcases last a lot longer than the newer ones (leather is full-grain and much thicker) and still look just as stylish. This is paired with a high-quality Coach wallet bought for $65 (retail $210) at an outlet. The wallet has lasted me the span that 10 cheaper $30 to $40 wallets used to.I drive a used 10-year-old Honda Civic EX with automatic transmission. The price of gas to me is not even a concern and apart from replacing my tires and changing oil, I have yet to make a single repair. I expect to pay about $200 for a new timing belt in about a year, and that is it. It's at 100,000 miles and with the way it's running, I see it lasting for another 250,000.Do you have any ideas you'd like to share?

http://www.bloomberg.com/news/2011-12-01/raise-taxes-on-the-rich...The opinion is written by Nick Hanauer,, an entrepreneur who created several successful businesses. He saysAs an entrepreneur and venture capitalist, Ive started or helped get off the ground dozens of companies in industries including manufacturing, retail, medical services, the Internet and software. I founded the Internet media company aQuantive Inc., which was acquired by Microsoft Corp. (MSFT) in 2007 for $6.4 billion. I was also the first non-family investor in Amazon.com Inc. (AMZN)

Even so, Ive never been a job creator. I can start a business based on a great idea, and initially hire dozens or hundreds of people. But if no one can afford to buy what I have to sell, my business will soon fail and all those jobs will evaporate.

Thats why I can say with confidence that rich people dont create jobs, nor do businesses, large or small. What does lead to more employment is the feedback loop between customers and businesses. And only consumers can set in motion a virtuous cycle that allows companies to survive and thrive and business owners to hire. An ordinary middle-class consumer is far more of a job creator than I ever have been or ever will be. I have always been holding the view that a thriving middle class is a necessary condition of a strong economy, (which was ultimately the real reason we won WW2 and the cold war, if you ever wonder what a strong economy is good for). Entrepreneurs, investors, consumers are all key ingredients of success. This article is yet another voice from the top that is saying the tax policy pendulum is swinging too far in favor of the top and at the expense of the middle class consumers.

OCIX.COM LinkOCZ Colossus LT 120GB 3.5IN SATA2 Solid State Disk Flash Drive SSD
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Solid State Drives DO NOT require defragmentation. It may decrease the lifespan of the drive.Consumers may see a discrepancy between reported capacity and actual capacity; the storage industry standard is to display capacity in decimal. However, the operating system usually calculates capacity in binary format, causing traditional HDD and SSD to show a lower capacity in Windows. In the case of SSDs, some of the capacity is reserved for formatting and redundancy for wear leveling. These reserved areas on an SSD may occupy up to 5% of the drives storage capacity. In OCZs Indilinx-based 3.5" SSDs, the naming convention reflects this and the 250 is equivalent to the 256GB, the 500 is equivalent to 512GB, and so on.Rated speeds may vary slightly depending on the benchmark used, drivers, windows version, bios version and file size. We recommend using ATTO and IOMeter for benchmarking RAIDed SSDs.

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I started my journey a few months ago to build credit with the Capital One Journey Student card. I tried to apply for the Amazon Visa Rewards card and that failed so i just got approved for the Bank of America Secured Visa with a $300 Cl i put into it. Now is having both of these cards, the regular Capital One card and the secured card good to build credit? I learned in another thread that i should only use 30% of the CL on each card so that is what I plan to do. As long as i spend less than 30% of the CL on each card and pay it off in full every months bothing of them hitting my credit report should be good to build some credit and history right?

http://www.giveawayoftheday.com/The program is available for $29.95, but it will be free for our visitors as a time-limited offer.December 2, 2011
AyRecovery Lite is a HDD instant recovery program and also a must-have toolkit for every PC owner. It is the easiest solution to restore and recover your system and precious data to working status at startup in seconds.
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24HR. CYBER TUESDAY SPECIAL GIVEAWAY - Only On Nov 29 (Asia Pacific Time)FREE CODE "2G7333343A72E25D3EHH4AIL2WSB4G9F"It could recover files from formatted drive, RAW file system, drive has not formatted error, RAW drive, undelete files emptied recycle bin, recover files due to partition lost, system crash, software crash, bad boot sector, missing boot sector, bad MBR, $MFT damaged, lost partition table, lost or damaged FAT, virus infections, power failure, and other unknown data loss...iCare Data Recovery Professional works perfectly with hardware RAID and hard drive, USB drive, SD card, memory card, etc. It provides the comprehensive data recovery solution for computer users.

Redeem a free night's worth of Club Carlson Gold Points between 12/1/11 and 1/31/12 and receive 9,000 points per Award Stay. If you recently signed up for the 50,000 free gold points, go stay at a Radisson ASAP so that your points will post before the end of this promotion; You can then stay up to 5 nights for free, and (if you play your cards right) get another 5 nights free for later. Please read T&C below for all the details.
From Club Carlson Website:Redeem Points, Earn Points. Register and stay at any of our more than 1,000 Carlson℠hotels, on a Award Stay between December 1, 2011 and January 31, 2012, and earn 9,000 Gold Points, enough for a future Award Night at select hotels worldwide. Points + Cash reservations are not eligible for this offer. Terms and Conditions The Redeem Points, Earn Points Promotion (Promotion) is available only to Club CarlsonSM members. To enroll in Club Carlson, visit www.clubcarlson.com/enroll. The Promotion is subject to all Club Carlson program rules and conditions (Program Rules).To be eligible for the Promotion, members must register online for the Promotion at clubcarlson.com/redeempointsearnpoints (Registration), provide their Club Carlson number at the time of reservation or at check-in, and complete an Eligible Award Stay between December 1, 2011 and January 31, 2012 (Promotional Period) at participating Radisson, Country Inns & Suites By Carlson℠, Park Inn by Radisson and Park Plaza hotels worldwide (Participating Properties). An Eligible Award Stay is defined as an Award Stay which is paid for in full with Gold Points for one or more consecutive nights at the same Participating Property, regardless of the number of check-in or check-outs during that stay. Points + Cash award nights do not qualify for the bonus. Members who have registered for the Promotion and complete an Eligible Award Stay during the Promotional Period will earn 9,000 bonus Gold Points, with a maximum of five bonuses (up to 45,000 total bonus Gold Points) during the Promotional Period. Only one Club Carlson account may be credited for an Eligible Award Stay, and the corresponding bonus points awarded, if applicable. Bonus Gold Points will be credited to the Members account by February 15, 2012.Members need to only register once during the Promotional Period in order to be eligible for the Promotion. Registration must be received in advance of the Award Stay or before check-out. In connection with the Registration, Club Carlson is not responsible for interrupted or unavailable network, server, or other connections miscommunications, failed telephone or computer hardware or software or telephone transmissions or technical failures, Internet Service Provider/network/website accessibility or availability, garbled or jumbled transmissions or other errors of any kind, whether human, mechanical, or electronic; including without limitation the incompletely, incorrect, or inaccurate capture of Registration information.Club Carlson reserves the right to add, modify, or discontinue the Promotion with or without notice. Subject to availability. Void where prohibited by law. By registering for and participating in the Promotion, you agree and consent to these terms and conditions.

Very few items are 70% but the prices are decent. Shipping looks to be a flat rate $9 for writing instruments, they sell watches and agenda books etc.
30 day refund policy.All Cross writing instruments and desk set penholder mechanisms are unquestionably guaranteed against mechanical failure, regardless of age.http://www.cross.com/

Link
3D LCD display, totally worth the extra $45 compared to the one they had for sale on Black Friday without 3D!
It has 2 cameras in the front to make your own 3D photos (possibly videos too). Sounds like fun with the kids!Saturday only, doors open at 9AM.
FRYS.com #6543073 UPC: 611343088855Fujitsu LifeBook AH572 (FPCR34181) Enjoy 3D RealismSpecifications:
Operating System: Genuine Windows 7 Home Premium 64-bit
Processor: 2nd Generation Intel Core i5-241M Processor, 2.3GHz with Turbo Boost to 2.9GHz, 3MB Cache
Graphics: Intel HD 3000 graphics, shared video memory using Dynamic Video Memory Technology (DVMT) from 274MB to 1696MB
Memory: 4GB DDR3 Memory, 8GB Maxmimum
Storage Drive: 500 GB SATA, 5400 rpm hard drive protected by Shock Sensor
Optical Drive: BD-ROM / DVD SuperMuliti Drive
Display: 15.6" Crystal View WXGA HD display (1366x768), 400 nits with integrated Xpol 3D filter (3D passive polarized glasses included)
Sound: Realtek codec ALC269 with 2-channel High-Definition (HD) audio
Webcam: Integrated Dual 1.3 MP cameras and digital microphone to capture pictures and video in 3D. One of the cameras can be used as webcam.
Communications: Gigabit Ethernet LAN 10/100/1000, Intel Centrino Advanced-N 6205 (802.11a/b/g/n); Intel Wireless Display (WiDi), and Integrated Bluetooth
Expandability: one Memory Stick/SDHC and SDXC Card slot
Ports: One HDMI, two USB 3.0, three USB 2.0 ports (one USB 2.0 port provides Anytime USB Charge), one VGA, on stereo headphone jack, one stereo microphone/line-in jack
Battery: 6 cell 63Wh Battery, up to 7 hour 50 minute battery life
Detailed Description
(Manufacturer # FPCR34181 ) Isnt it time to make your move to the 3D experience ? The Fujitsu LI FEBOOK AH572 combines the power of the 2nd Generation Intel Core i5 Processor with advanced LCD technology to immerse your senses into a uniquely Fujitsu 3D experience . You will be amazed at what Fujitsu ha s packed into this incredible mobile computer .Dazzling 3D Realism
Blu-ray provides an extraordinary visual experience where images are so sharp and colors so intense that they appear to pop off the screen; now (thanks to cutting edge 3D technology) they actually do! Expand your visual boundaries to encompass all the dimensions now available to you. Moviemakers have created some stunning 3D movies and they are only getting better. By combining Fujitsu advanced LCD technology, integrating the Xpol 3D filter and Blu-ray, you will swear you are being transported to a different universe when you slip on your 3D glasses. But why let the big-time movie makers have all the fun of making 3D movies. A unique feature to Fujitsu, the twin on-board cameras, let you capture videos or take photos in 3D! Shoot your own 3D images and play them back on your 3D screen.Turbo-Charged Experience
The Intel Core i5 processor provides all the computing power you will need, even for the most demanding applications; Intel Turbo Boost Technology delivers the extra power you need, when you need it. With the advanced Intel HD 3000 graphics, you will actually be able to play fairly sophisticated games, edit video, touch up photos, or a number of other tasks once reserved for desktop computers. Your light-weight mobile computer can now do a lot more heavy lifting.
You may have heard of USB 3.0. If you havent, this is the new way of transferring data. The integrated USB 3.0 port transfers data up to 4.8Gb a second. A 25 GB file can be transferred in 70 seconds compared to nearly 14 minutes for USB 2.0. The USB 3.0 port is also completely downward compatible. The three USB 2.0 ports, are not just your usual USB 2.0; one has Anytime Charge capability which means you can charge your other mobile devices (i.e. your cell phone) by simply turning on the feature (off by default) and attaching the device to the port.Flexible Connectivity
The built-in Ethernet LAN, provides a way to easily connect to your office network and the Internet at home or at work. For wireless connectivity, the Intel Centrino Advanced-N 6205 offers you a seamless and flexible way to stay in touch with family, friends, and co-workers. With Bluetooth V2.1 technology you will be able to wirelessly connect to other Bluetooth devices such as cell phones, headphones, or speakers cutting down on workspace clutter.
Intel Wireless Display (WiDi) is also a great feature with amazing potential. Imagine being able to wirelessly connect to your TV and play home videos, share photos from your last adventure, watch video clips or shows from the Web, and share your desktop with co-workers, family, or friends. You may need an Intel Wireless Display adapter for your TV.Stable and Reliable
Designed, engineered, and manufactured in Japan, the LIFEBOOK AH572 delivers all the key features that have contributed to Fujitsu LIFEBOOK notebooks being named some of the most reliable in the industry. The new LIFEBOOK AH572 notebook features a strong exterior, highly durable hinges, and a spill-resistant keyboard. It also comes with an accessible dust filter for easy user cleaning. This allows maximum airflow to keep your notebook running at peak efficiency.
In a time when most PCs are assembled by third-party vendors, Fujitsu takes pride in its own world-class design, rigorous testing, and manufacturing capabilities. Fujitsu provides extremely high quality mobile computers with one of the lowest failure rates in the industry.Software: Microsoft Office Starter 2010, Adobe Reader , Microsoft Internet Explorer, CyberLink PowerDVD, CyberLink Power Director DE, CyberLink Make Disc, 3D Camera Viewer, roxio Creator LJ, Symantec Norton Internet Security 2010 3Warranty:
1 year limited One-year International Limited Warranty

GearWrench 20PC Ratcheting Wrench Set
$59.99 @ Sears Regular price $99.99.
In store pick up only.
Don't forget the current 6% Cash Back!I've been looking for a set as a Christmas gift. This is an awesome price!http://www.sears.com/shc/s/p_10153_12605_00931535000PProduct DescriptionThis 20 piece GearWrench Ratcheting Wrench Set gives you professional quality tools at an outstanding value. GearWrench ratcheting box end wrenches need as little as 5 degrees of sweep to move a fastener, and the thin head shank allows the GearWrench into the tightest areas. Set includes 10 Inch and 10 Metric Ratcheting Combination WrenchesIf this wrench, when used for its intended purpose, fails to give you complete satisfaction, we will, at our discretion, send you a free replacement of the same or similar item. For more warranty information call toll free 1-888-757-1812.Extremely strong, GearWrench meets or exceeds ANSI, DIN and Federal torque specifications
Handles long bolts and threaded rods with ease and speed
Ratcheting Box End moves a fastener with the speed and ease of a fine tooth ratchet
Surface Drive box end provides a stronger grip on fasteners and virtually eliminates the rounding of fasteners
Includes sizes 1/4, 5/16, 11/32, 3/8, 7/16, 1/2, 9/16, 5/8, 11/16 and 3/4 in; 6, 8, 10, 12, 13, 14, 15, 16, 17, 18mm

http://www.bjsrestaurants.com/holidayhttp://www.bjsrestaurants.com/promos/gift-cardsBJS 2011 HOLIDAY SURPRISE PROMOTIONAL CARD NO PURCHASE OR PAYMENT OF MONEY NECESSARY TO RECEIVE OR DETERMINE THE VALUE OF YOUR BJS HOLIDAY SURPRISE PROMOTIONAL CARD. A PURCHASE OR PAYMENT WILL NOT INCREASE THE ODDS OF YOUR RECEIPT OF A MORE VALUABLE HOLIDAY SURPRISE PROMOTIONAL CARD.

OPEN TO ELIGIBLE LEGAL RESIDENTS OF AZ, CA, CO, FL, IN, KY, LA, NV, OH, OK, OR, TX OR WA WHO ARE 21 YEARS AND OLDER AS OF DATE OF ENTRY.
1.HOW TO PARTICIPATE IN BJS HOLIDAY SURPRISE PROMOTIONAL CARD (Promotion): The Promotion starts 11/15/11 at 12:00 AM ET and ends at 11:59:59 PM ET on 12/24/11 (Promotion Period). There are two ways to receive a BJ's Holiday Surprise Promotional Card" (Promotional Card"): (A) You will receive a Promotional Card when you purchase a BJs Gift Card during the Promotion Period worth at least Seventy Five ($75); or, (B) You can receive a Promotional Card, while supplies last, without a purchase by printing your name, complete address (no P.O. Boxes allowed), phone number and date of birth on a 3x5 card and mailing it, along with a self-addressed stamped envelope, in a properly stamped outer envelope, to BJs Holiday Surprise Promotional Card Request, 35610 Mound Road, Dept. 900, Sterling Heights, MI 48310 postmarked by 12/26/11, and received by 1/6/11. No mechanical reproductions allowed. Each request must be mailed in a separate, properly stamped outer envelope. Sponsor is not responsible for late, lost, non-delivered, illegible or postage due mail. Requests and other Promotion materials become the property of Sponsor and will not be returned.

2.HOW TO DETERMINE THE VALUE OF YOUR PROMOTIONAL CARD:To determine the reward (Reward) that you will be eligible to receive for your Promotional Card, visit a BJs Restaurant between 12/26/11 and 2/29/12, and prior to being seated, present your Promotional Card to the BJ's Restaurant Manager and request him/her to swipe your Promotional Card. For your Promotional Card to be valid, it must be swiped by a BJs Restaurant manager. Each Promotional Card will be associated with one of the Rewards described below. If your Promotional Card is associated with the Vail trip or the $1,000 BJs Gift Card, you will receive documentation memorializing that. If your Promotional Card is associated with one of the other BJs Gift Cards, the Promotional Card itself will contain the value of that Gift Card. Except for the $1,000 BJs Gift Card, all Gift Cards may only be used for purchases occurring prior to 2/29/12. Further details about the available Rewards follow

3.Vail Trip (1): One (1) Promotional Cardholder will receive a trip (Trip) for two to Vail, Colorado consisting of round trip coach airfare for two from major airport nearest to Promotional Cardholders residence to Vail, Colorado; 4 day/3 night hotel accommodations at Arrabelle at Vail Square (1 standard room; double occupancy); 3-day Lift ticket passes; one (1) nights dinner for two at Kelly Likens highly acclaimed restaurant; one (1) Spa Treatment for two. (Total ARV: $4,300). If actual retail value is less than the stated Total Approximate Retail Value, the Promotional Cardholder will not receive the difference in value. All expenses not specified above, such as meals, beverages, mini-bar, entertainment, telephones, souvenirs, gratuities, ground transportation, insurance, personal or spa services, etc., are solely the Promotional Cardholders responsibility. All accommodations and reservations will be arranged by Sponsor and are subject to advance notice, holiday black-out dates and availability. TRIP MUST BE COMPLETED PRIOR TO 12/31/12. Other restrictions may apply. Promotional Cardholder and guest must possess required travel documents and travel together on same itinerary. Sponsor has no responsibility for lost, stolen, misplaced, or mutilated tickets and/or travel documents, baggage, flight delays, or any other occurrences beyond its control. Sponsor has no responsibility for Promotional Cardholders inability or failure to accept or utilize the Trip as described herein. Promotional Cardholder and guest must each be 21 years of age or older. Odds of receiving the Trip: 1:33,000. Upon presentment of Promotional Card to BJs Restaurant manager, the Promotional Card holder will be given an Affidavit of Compliance/Eligibility & Publicity/Liability Release (Affidavit & Release) to read and sign, as allowed by law, and promptly return as instructed. Failure to sign and promptly return the required documents may result in forfeiture of the Trip, and an alternative Promotional Card holder selected at random from all of the other Promotional Card holders. As a special bonus, Sponsor will deduct $25 from the Promotional Cardholders check on the occasion that the Promotional Card is scanned. Promotional Cardholders guest must also sign and return a Release, as allowed by law. Neither this Promotional Cardholder nor a member of his/her household is eligible to receive another Reward.

4.$1,000 BJs Gift Card (1): One Promotional Cardholder will receive a BJs Gift Card worth One Thousand Dollars ($1,000) for food purchases at a BJs Restaurant. Odds of receive the $1,000 BJs Gift Card: 1:33,000. Upon presentment of Promotional Card to BJs Restaurant manager, the Promotional Card holder will be given an Affidavit & Release to read and sign, as allowed by law, and promptly return as instructed before the Gift Card will be activated. Failure to sign and promptly return the required documents may result in forfeiture of the Gift Card, and an alternative Promotional Card holder selected at random from all of the other Promotional Cardholders. Additionally, the Promotional Cardholder must provide his/her Social Security Number and will receive a Form 1099, as required by law, in the amount of One Thousand ($1,000) Dollars. Sponsor will deduct $25 from the Promotional Cardholders check on the occasion that the Promotional Card is scanned. Neither this Promotional Cardholder nor a member of his/her household is eligible to receive another Reward.

5.Other BJs Gift Cards: The remaining Rewards will consist of BJs Gift Cards pre-loaded with funds in the amounts set forth below, redeemable for food, beverages (excluding alcohol), and merchandise purchases at participating BJs Restaurants:

6.$500 BJs Gift Card (10):Ten (10) PromotionalCard- holders will each receive a $500 BJs Gift Card. Odds of receiving this award: 1:3,300

7.$25 BJs Gift Card (1,143): One Thousand One Hundred Forty Three (1,143) Promotional Cardholders will each receive a $25 BJs Gift Card. Odds of receiving this award: 1:29

8.$10 BJs Gift Card (6,039): Six Thousand Thirty Nine (6,039) Promotional Cardholders will each receive a $10 BJs Gift Card. Odds of receiving this award: 1:5

9.$5 BJs Gift Card (25,806): Twenty Five Thousand Eight Hundred Six (25,806) Promotional Card holders will each receive a $5 BJs Gift Card. Odds of receiving this award: 1:1.3

ODDS OF RECEIVING ONE OF THE ABOVE REWARDS: 1:1. All odds are based on an anticipated maximum distribution of 33,000 Cards.

After one year of searching, we found a nice house at a nice price and made an offer. The house is a short sale, the bank involved is BOA. We got an acceptance with a close-by date of November 30.Our problem is our lender is suddenly failing to follow through on his commitments. First he said it was a secure email crash. Then the appraiser took a long time to get back. Then the underwriting team wanted more info. Then another secure email crash. Even when we were supposed to sign yesterday, today they asked us for more financial info that we have already provided 5 times. Now, 2 days straight, a promise to get the docs out by end of day has led nowhere.We are at a crisis point. Title company and county recording office are both closed Thu 11/24 and Fri 11/25. If we sign tomorrow Wed 11/23 we can still file and close either 11/23 or Mon 11/28 but if we don't sign til Mon 11/28, we will really be pushing up against the Nov 30 deadline.This is a small regional bank who reportedly does all the underwriting in-house. We were promised expediency. They are based in our state so they claimed to be familiar with all state laws, etc.This is not an issue of being qualified. We are supremely qualified. We are not self-employed. We have no other debt. I know lenders are being cautious but this is not the problem with us. This is a problem with the lender not being able to keep their promises in a timely manner.So my question is now what. I do have the ability to pay cash for the house but it would mean liquidating all my (non-retirement) investments, paying taxes on say $50,000 of gains, waiting for those trades to settle on Tue 11/29, and trying to wire the money to the Title company in time to sign on 11/29 or 11/30 and file/close no later than 11/30. I want to avoid this expensive route and there are no guarantees we can get money in the right place at the right time unless I act first thing tomorrow with a sell order.Alternatively, what recourse do I have with BOA to ask them to extend the closing date 2 weeks? I will either have the loan by then, or alternatively, a family member can provide me with a sufficient bridge loan that I would not have to liquidate, and could then refinance the house 80% LTV and pay off my relative. Either way, I would be able to have the money by then. BUt with a short sale, I'm very concerned BOA will just say, "No" and walk away, or alternatively, raise the price.Any suggestions?

Frys has the Hitachi Touro 3TB external hard drive for $129. other deals have had it for ~$110 but none currently. The reason this is a good deal is that this has a 7200 RPM drive inside (SEEKING CONFIRMATION), great for people that want to use it internally in their PC or for RAID where slower or "green" drives have TLER timing mechanisms that make the RAID fail.http://www.frys.com/product/6887116Shipping says unavailable and the limit is 1 per household... B&M only looks like...

Frys has the Hitachi Touro 3TB external hard drive for $129. other deals have had it for ~$110 but none currently. The reason this is a good deal is that this has a 7200 RPM drive inside, great for people that want to use it internally in their PC or for RAID where slower or "green" drives have TLER timing mechanisms that make the RAID fail.http://www.frys.com/product/6887116Shipping says unavailable and the limit is 1 per household... B&M only looks like...

Craftsman 5/8 in. x 50 ft. All Rubber Garden Hose $19.99 Free Ship To Store @ Sears( unlimited lifetime warranty )http://www.sears.com/shc/s/p_10153_12605_07169602000P( unlimited lifetime warranty )Product Overview:
General Warranty: Full lifetime
Item Weight (lbs.): 11.6 lbs.
Hose Size: 5/8 in. x 50 ft.
Type: Crush-proof brass
Number Included: 1
Color:
Overall Color: Black
Intended Use:
Indoor/Outdoor: Indoor/outdoor
Temp: Up to 160 deg.
Performance:
Hose Action: Single stream
Usage: Above ground
Wear: Weather and abrasion resistant
Coupling Performance: Return and allowance reduction
Hose:
Bursting PSI: 500 psi
Diameter: 5/8 in.
Length: 50 ft.
Working psi: 165 psi
Type: Garden
Construction:
Design: Hexagonal concave
Overall: Radial tire cord reinforcedI got this from wikipedia but I find this to be true.Warranty Craftsman hand tools have an unlimited lifetime warranty. This lifetime warranty program was instituted by Sears when they began selling the Craftsman line in 1927. This warranty program requires no receipt or dated proof of purchase. If the owner takes the item into a local retail store, it may be replaced or repaired free of charge. In some cases, such as ratchets, the customer may be offered a repair kit with which to repair the item.The full text of the warranty is as follows:If for any reason your Craftsman hand tool 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 gives you specific legal rights and you may also have other rights which vary from state to state.
The hand tool lifetime warranty is also in effect on many Craftsman non-powered lawn and garden products including rakes, shovels, clippers, brooms, trowels, pruners, hoses, sprinklers, hose nozzles, and other small gardening hand tools. The lifetime warranty does not include precision hand tools, such as calipers , tape measures and torque wrenches, with the exception of beam-style torque wrenches.Power tools have a one-year warranty.After the merger, Kmart began selling Craftsman products and honoring the hand tool lifetime warranty.

I received what is obviously a sleazy if not outright fraudulent notice in the mail, and I could use some advice from the FW community as to what to do next.The notice was from the "Internal Subscription Protection Service" regarding a subscription to a magazine (Zoo Books) and how it was about to be renewed. The notices says that unless I call, my account (either credit card or bank account) will be debited a one time fee of $49.95 on November 25, 2011.The thing is, I (actually my daughter) am not a current subscriber of this magazine and have in fact hasn't subscribed to that magazine for a number of years. So this is obviously a scam.Reading the fine print (which I will summarize), the stuff they are trying to pull is truly amazing:

- You authorize us to take the funds from the credit card or bank account on file
- While you are under no obligation to renew your subscription, failing to cancel your enrollment in this automatic subscription plan through one of the three methods described in section 1 by the bill by date will signify your acceptance of renewing your subscription. Cancellation after the bill by date will obligate you to pay for the annual subscription accepted.
- You have the right to cancel. However, cancelling after the bill by date will obligate you to purchase the entire annual subscription before the subscription took effect.
It appears they are asserting that by sending me this notice, I am agreeing to a contract unless I tell proactively tell them I don't want it. And, if I don't cancel it, I'm on the hook for the entire amount.
Yeah, right! I am not a lawyer, but I assume this is unenforceable if not downright illegal.I am not so concerned about them billing me (I am sure they don't have my bank account on file and even if they have my credit card, I'll dispute any charge), but what should I do next?
- Call the company and yell at them?
- File a claim of postal fraud with my local post office?
- Contact my state attorney general?
- Simply ignore it? (e.g, will I get anywhere by reporting them?)Thanks in advance for any advice.

Long story short my wife bought investment property in Atlanta (before we got married) during the housing boom and the property value dropped 50%. she has a interest only loan I think for the first 8yrs before equity is established. We have thought about walking away from this distressed property only because the land around it is still settling from the river near it and the neighborhood is really bad. (theft, abandoned homes)I wanted to reach out to the FW community for any advice possible for possible options to get out of this failed investment with minimal losses..
Any advice would be greatly appreciated

Craftsman 21 in. Bow Saw ( Lifetime Warranty ) $3.49 Store Pickup @ Sears http://www.sears.com/shc/s/p_10153_12605_07183559000P( Lifetime Warranty )
Dimensions:
Length (in.): 21 in.
Product Overview:
Item Type: Cutter
Item Weight (lbs.): 1.38 lbs.
Individual, Kit or Set: Individual
Blade:
Blade Length: 21 in.
Type: Bow saw
Tool Head:
Work Element: TeethI got this from wikipedia but I find this to be true.Warranty Craftsman hand tools have an unlimited lifetime warranty. This lifetime warranty program was instituted by Sears when they began selling the Craftsman line in 1927. This warranty program requires no receipt or dated proof of purchase. If the owner takes the item into a local retail store, it may be replaced or repaired free of charge. In some cases, such as ratchets, the customer may be offered a repair kit with which to repair the item.The full text of the warranty is as follows:If for any reason your Craftsman hand tool 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 gives you specific legal rights and you may also have other rights which vary from state to state.
The hand tool lifetime warranty is also in effect on many Craftsman non-powered lawn and garden products including rakes, shovels, clippers, brooms, trowels, pruners, hoses, sprinklers, hose nozzles, and other small gardening hand tools. The lifetime warranty does not include precision hand tools, such as calipers , tape measures and torque wrenches, with the exception of beam-style torque wrenches.Power tools have a one-year warranty.After the merger, Kmart began selling Craftsman products and honoring the hand tool lifetime warranty.

In the original HARP plan, many homeowners were unable to refi due to the restriction of PMI-mortgage insurance. If you have any PMI on your property, lenders can flat disqualify you based on that alone.From what I have read on the new revisions, owner paid PMI may be accepted now. But lender paid mortgage insurance will still disqualify you. I have spoken to Bank of America and QuickenLoans to confirm this.So basically, any borrower who put down less than 20% at the loan's origination is out of luck- unless they can pay the principal down to 80% LTV. At the current home values, this move would be financial suicide for most people. The problem here involves more than the lenders. It seems that unless the rules for the mortgage insurance companies are revised, the HARP revision is just a slightly larger bandaid for a wound that requires a tourniquet.

My parents have a 529 plan with $22k left in it for my 20 year old brother. He failed out of two semesters of university and one semester of community college. He has decided not to pursue college anymore, he doesn't go to classes. I'm going to try to encourage him to find a job with FedEx or UPS.I'm 27 and have one semester of school left that will cost $1k. Can my parents send my school a check for $22k from the 529 plan and then I can use the leftover money ($21k) to put into his checking account and possibly start maxing out a ROTH for him?edit: the account might be less than what was contributed so maybe we can liquidate it without incurring a penalty?

Craftsman 5/8 in. x 50 ft. All Rubber Garden Hose $19.99 Free Ship To Store @ Searshttp://www.sears.com/shc/s/p_10153_12605_07169602000PProduct Overview:
General Warranty: Full lifetime
Item Weight (lbs.): 11.6 lbs.
Hose Size: 5/8 in. x 50 ft.
Type: Crush-proof brass
Number Included: 1
Color:
Overall Color: Black
Intended Use:
Indoor/Outdoor: Indoor/outdoor
Temp: Up to 160 deg.
Performance:
Hose Action: Single stream
Usage: Above ground
Wear: Weather and abrasion resistant
Coupling Performance: Return and allowance reduction
Hose:
Bursting PSI: 500 psi
Diameter: 5/8 in.
Length: 50 ft.
Working psi: 165 psi
Type: Garden
Construction:
Design: Hexagonal concave
Overall: Radial tire cord reinforcedI got this from wikipedia but I find this to be true.Warranty Craftsman hand tools have an unlimited lifetime warranty. This lifetime warranty program was instituted by Sears when they began selling the Craftsman line in 1927. This warranty program requires no receipt or dated proof of purchase. If the owner takes the item into a local retail store, it may be replaced or repaired free of charge. In some cases, such as ratchets, the customer may be offered a repair kit with which to repair the item.The full text of the warranty is as follows:If for any reason your Craftsman hand tool 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 gives you specific legal rights and you may also have other rights which vary from state to state.
The hand tool lifetime warranty is also in effect on many Craftsman non-powered lawn and garden products including rakes, shovels, clippers, brooms, trowels, pruners, hoses, sprinklers, hose nozzles, and other small gardening hand tools. The lifetime warranty does not include precision hand tools, such as calipers , tape measures and torque wrenches, with the exception of beam-style torque wrenches.Power tools have a one-year warranty.After the merger, Kmart began selling Craftsman products and honoring the hand tool lifetime warranty.

This probably will end up in Deal Discussion, but at least this gets a presence in Hot Deals (even if the placeholder only won't prevent failed HD searches and reposts).http://localad.walmart.com/Walmart/Entry/Flash?promotioncode=LA_...

Couldn't find a post on this yet. If this is a repost, please tell me I suck and a failure at searching posts and move on.linkydoohickythingamabob (just click here) This laptop features a 500GB hard drive that provides ample storage space for special photos, videos, music and more. The 15.6" LED-backlit high-definition widescreen display ensures easy viewing. Windows 7 Home Premium installed
Learn more.
Learn more about VISION Technology from AMD.VISION A6 Technology by AMD logo
What's Included Gateway Laptop / AMD A-Series Processor / 15.6" Display / 4GB Memory / 500GB Hard Drive
6-cell lithium-ion battery
AC power adapter, AC power cord
Software: CyberLink PowerDVD; Adobe Reader 9.1 and more
Owner's manualProduct Features 15.6" LED-backlit high-definition widescreen display
With Ultrabright technology and 1366 x 768 resolution showcases movies and games in stunning clarity.
500GB Serial ATA hard drive (5400 rpm)
Offers spacious storage and fast read/write times.
AMD Radeon HD 6520G graphics
Feature 512MB dedicated video memory for lush images and support Unified Video Decoder 3 (UVD3), OpenEXR High Dynamic-Range (HDR) technology, Shader Model 5.0 and DirectX 11. HDMI output for connection to an HDTV.
Media control keys
For control over your laptop. Social Networks Key allows access to popular social networking sites at the touch of a button.
Built-in 1.3MP high-definition webcam and microphone
Make it easy to video chat with family and friends.
Multi-in-1 media reader
Supports Secure Digital, MultiMediaCard, Memory Stick PRO and xD-Picture Card formats.
3 high-speed USB 2.0 ports
For fast digital video, audio and data transfer.
Built-in high-speed wireless LAN (802.11b/g/n)
Connect to the Internet without wires.
Built-in 10/100/1000 Gigabit Ethernet LAN
With RJ-45 connector for quick and easy wired Web connection.
Weighs 5.7 lbs. and measures just 1.3" thin
For easy portability. Dedicated numeric keypad allows easy data entry.
Long battery life
Of up to 4 hours to give you more time away from an outlet.
Software package included
With CyberLink PowerDVD, Adobe Reader 9.1 and more. Microsoft Office Starter 2010 also included (product key card required for activation; sold separately).
ENERGY STAR qualified
Designed to use less energy and meets strict energy efficiency guidelines set by the Environmental Protection Agency and U.S. Department of Energy.
AMD, AMD Arrow logo, AMD Athlon, AMD PowerNow!, HyperTransport and combinations thereof are trademarks of Advanced Micro Devices, Inc.
From our expanded online assortment; not available in all Best Buy stores
VISION Technology by AMD
Makes your digital photos and Web sites look amazing and gives a boost to digital music playback.
AMD Quad-Core A6-3400M Accelerated Processor with AMD Radeon HD 6520G graphics
For efficient system processing.
4GB DDR3 memory
For multitasking power, expandable to 8GB.
Multiformat DVDRW/CD-RW drive with double-layer support
Records up to 8.5GB of data or 4 hours of video using compatible DVD+R DL and DVD-R DL media; also supports DVD-RAM.
Microsoft Windows 7 Home Premium Edition 64-bit operating system preinstalled
Provides a stable platform for word processing, Web navigation, gaming, media storage and more.

More direct lineHere I've used this company before with good results. This is a pre-order NOTE: Licenses will not be available untill Haloween. Very limited time offer.
Acronis True Image Home 2012
Disk Imaging - Backup the entire system on the fly with our patented disk imaging technology. It ensures the recovery of your operating system and applications without reinstalling any software.
Clone Disk - Copy your entire hard drive and replace it with a new one without reinstalling operating systems and applications, saving hours of effort.
New! File Synchronization - lets you replicate important data between multiple computers, files or devices. Sync files with friends, family or colleagues over the Web. Or sync with local folders, including USB sticks or external hard drives.
Exclusive! Try&Decide - lets you take a test drive first to see if you want to keep or discard the changes to your system. This is also very practical for browsing potentially dangerous websites.
Improved! Ease of Use - Acronis True Image Home 2012 allows you to delay the start of a backup at computer startup so that it doesnt impact your system. It also restarts the backup if any task fails.
New! Enhanced NAS Support - Acronis True Image Home 2012 now supports Acronis award winning Nonstop Backup technology to a network share. A Network Attached Storage (NAS) device is also suggested as a backup place when attached to the network.
Set&Forget - lets you configure your backups just once and then the software does the remembering for you. And one-click protection gives you a single-click shortcut to launch a pre-configured backup whenever you feel like it.
Improved! Acronis Nonstop Backup - Automatically starts incremental backups to multiple destinations, including Acronis Secure Zone, allowing users to roll back their system, files and folders to any point in time
Acronis True Image Online provides 250 GB of secure Online Storage to save you precious data.
Live Backups - allows you to keep on working with no interruption during backups.
Preorder before Halloween, you can get both Acronis True Image Home 2012 and Malwarebytes Anti-Malware Pro at 67% off. New version of Acronis Image Home and Lifetime license of Malwarebytes. Save $50.00 if you can use both

DISCLAIMER: I am not nearly as familiar with OD and its policies as I am with Staples and OM, so if there is a nuance I am failing to consider, please let me know and I will update.Office Depot has this computer, regularly $550, on sale for $400, with a $50 mail in rebate. Office Depot often accepts competitor's coupons, so try to use the Staples coupon from this thread to bring the net price down to $300.Laptop
Rebate formThe rebate is straight from HP, so using a competitor's coupon should have no bearing on rebate payout.

*** ( Full Lifetime Warranty ) ***Craftsman 5/8 in. x 50 ft. All Rubber Garden Hose $19.99 Free Ship To Store @ Searshttp://www.sears.com/shc/s/p_10153_12605_07169602000PProduct Overview:
General Warranty: Full lifetime
Item Weight (lbs.): 11.6 lbs.
Hose Size: 5/8 in. x 50 ft.
Type: Crush-proof brass
Number Included: 1
Color:
Overall Color: Black
Intended Use:
Indoor/Outdoor: Indoor/outdoor
Temp: Up to 160 deg.
Performance:
Hose Action: Single stream
Usage: Above ground
Wear: Weather and abrasion resistant
Coupling Performance: Return and allowance reduction
Hose:
Bursting PSI: 500 psi
Diameter: 5/8 in.
Length: 50 ft.
Working psi: 165 psi
Type: Garden
Construction:
Design: Hexagonal concave
Overall: Radial tire cord reinforcedI got this from wikipedia but I find this to be true.Warranty Craftsman hand tools have an unlimited lifetime warranty. This lifetime warranty program was instituted by Sears when they began selling the Craftsman line in 1927. This warranty program requires no receipt or dated proof of purchase. If the owner takes the item into a local retail store, it may be replaced or repaired free of charge. In some cases, such as ratchets, the customer may be offered a repair kit with which to repair the item.The full text of the warranty is as follows:If for any reason your Craftsman hand tool 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 gives you specific legal rights and you may also have other rights which vary from state to state.
The hand tool lifetime warranty is also in effect on many Craftsman non-powered lawn and garden products including rakes, shovels, clippers, brooms, trowels, pruners, hoses, sprinklers, hose nozzles, and other small gardening hand tools. The lifetime warranty does not include precision hand tools, such as calipers , tape measures and torque wrenches, with the exception of beam-style torque wrenches.Power tools have a one-year warranty.After the merger, Kmart began selling Craftsman products and honoring the hand tool lifetime warranty.

Alright, this is my very first time dealing with this. I initiated an ACH pull from my credit union. Actually, this credit union is very popular on this forum and has stellar customer service, but that's just a side note. Anyway, the CU promptly credit my account for the ACH deposit the very next day (another big clue as to which CU this is). A few days later, the CU reversed the ACH entry and noted my account that the ACH was returned due to a "frozen account" at the bank I was withdrawing from. Now, this bank (which has a terrible reputation on this forum), froze my account for no reason. Apparently, even though I successfully used an ACH pull from this account in the last 6 months (and paid bills from this bank account), they mysteriously decided to freeze the account without informing me that it was frozen. The reason stated upon calling this bank was that they needed a copy of my SS card, driver's license and a utility bill to verify my identity (something they claim they should have done 6 months ago when I opened the account). Note that it was impossible to figure out that this account was frozen by logging into the account online. You had to call in and actually ask them if the account was frozen and then you were told that yes it was frozen. I should also point out that I opened this checking account at this bank 6 months ago because of a $100 promotion they were running at the time. I successfully received that $100 promotion, 6 months ago. Anyway, long story short, my great CU gladly refunded the ACH return fee to my account, so I didn't actually incur any damages (at this point). I unfroze my bank account at the other institution (by sending them the docs they requested) and promptly submitted another ACH pull to withdraw all of my money from there. My question for the forum is: Does a returned ACH item get treated the same way as a bounced check? Will this end up as a mark on my Chex Systems report? If so, how do I go about getting this off of there (esp since I believe the bank responsible for this failed to inform me of this "account freeze")? Thanks

Sam's Club
October 8-November 8, 2011Purchase any set of four new BF Goodrich passenger or light truck tires and
Get Premium Tire Installation Package at no cost, (typically costs $15/tire or $60/set).I took advantage of this deal in April/May this year and purchased the Touring T/A Pro Series.
For our Subaru Outback, four tires, package (includes disposal fees) + tax was less than $380!
They are "Sam's Club only" , but get great reviews for tire life (have to dig into web to find them).

Sams Club Tire Installation Package
($15.00 per tire - Most Vehicles, $25.00 per tire - Duallies and Motorhomes)
The Sams Club Tire Installation Package provides purchasing members with the following benefits and services for as long as they remain an Active member of Sams Club:
Tire Mounting - SAMS CLUB uses state of the art equipment to mount your SAMS CLUB tire on serviceable wheels and install them on your vehicle to the manufacturer's specifications.
Valve Stem - SAMS CLUB will install a new valve stem when mounting your new tire. (TPMS stems and service packs are sold separately if needed)
Tire Lifetime Balance - SAMS CLUB uses the latest computerized equipment to balance your new tire and will, upon the member's request, re-balance the covered tire for the usable life of the tire (2/32nds tread remaining).
Tire Lifetime Rotation - SAMS CLUB will upon member's request, rotate the covered tires for the usable life of the tire (2/32nds tread remaining).
Tire Lifetime Flat Repair - SAMS CLUB will repair any repairable puncture on the covered tire at no cost to the member for the usable life of the tire (2/32nds tread remaining).
Road Hazard Protection* - Expands the Manufacturer's workmanship / materials warranty to include tire failure caused by road hazard incurred in normal driving conditions (e.g., a cut, snag, bruise, impact break or puncture, whether repairable or not). In the event a replacement tire is needed Tire Installation Package charges are applicable. All other terms and conditions of the workmanship / materials warranty are applicable.
Tire Pressure Monitoring System Reset - SAMS CLUB will reset the tire pressure monitoring system as necessary when performing tire installation and tire services on those vehicles equipped with a properly functioning TPMS system. (Replacement parts, if needed, are not included in the reset service and are sold separately)
Waste Tire Disposal Fee - SAMS CLUB insures that scrap tires are disposed of properly and with respect for our environment. Only EPA licensed waste haulers handle our scrap tires.
Emergency Roadside Tire Service - For three years from the date of purchase, members have 24 hour toll free access for emergency tire change service.
* Complete terms and conditions of all SAMS CLUB warranties and services can be obtained at any SAMS CLUB tire and battery center location.

Right on the Front Of The Pack , Forever Full Warranty
On The Back Of The Pack, Craftsman Full Warranty.http://www.sears.com/shc/s/p_10153_12605_07140130000PI have had mine outside for 3 years with no problem.
I have never keep it connected to my Craftsman hose .
But if there is ever a problem, with a Lifetime Warranty I will take them both back to Sears and get a new hose and a new nozzle set for free and I dont need a receipt..... Product Description
Craftsman 3 Piece Aluminum Nozzle Set $7.49 Reg Price: $12.99 Store Pick Up ( lifetime warranty ) @ Sears
Soft dial turret guard.High- impact metal construction
Spray adjust from fine mist to heavy stream
Comfort gripProduct Overview:
Individual, Kit or Set: Set
Item Weight (lbs.): 1.4 lbs.
Nozzle Type: Pistol
Number Included: 3
Materials & Finishes:
Material Type: AluminumI got this from wikipedia but I find this to be true.Warranty Craftsman hand tools have an unlimited lifetime warranty. This lifetime warranty program was instituted by Sears when they began selling the Craftsman line in 1927. This warranty program requires no receipt or dated proof of purchase. If the owner takes the item into a local retail store, it may be replaced or repaired free of charge. In some cases, such as ratchets, the customer may be offered a repair kit with which to repair the item.The full text of the warranty is as follows:If for any reason your Craftsman hand tool 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 gives you specific legal rights and you may also have other rights which vary from state to state.
The hand tool lifetime warranty is also in effect on many Craftsman non-powered lawn and garden products including rakes, shovels, clippers, brooms, trowels, pruners, hoses, sprinklers, hose nozzles, and other small gardening hand tools. The lifetime warranty does not include precision hand tools, such as calipers , tape measures and torque wrenches, with the exception of beam-style torque wrenches.Power tools have a one-year warranty.After the merger, Kmart began selling Craftsman products and honoring the hand tool lifetime warranty.

Right on the Front Of The Pack , Forever Full Warranty
On The Back Of The Pack, Craftsman Full Warranty.http://www.sears.com/shc/s/p_10153_12605_07140130000PI have had mine outside for 3 years with no problem.
I have never keep it connected to my Craftsman hose .
But if there is ever a problem, with a Lifetime Warranty I will take them both back to Sears and get a new hose and a new nozzle set for free and I dont need a receipt..... Product Description
Craftsman 3 Piece Aluminum Nozzle Set $6.74 To $7.49 Reg Price: $12.99 Store Pick Up ( lifetime warranty ) @ Sears
Soft dial turret guard.High- impact metal construction
Spray adjust from fine mist to heavy stream
Comfort gripProduct Overview:
Individual, Kit or Set: Set
Item Weight (lbs.): 1.4 lbs.
Nozzle Type: Pistol
Number Included: 3
Materials & Finishes:
Material Type: AluminumI got this from wikipedia but I find this to be true.Warranty Craftsman hand tools have an unlimited lifetime warranty. This lifetime warranty program was instituted by Sears when they began selling the Craftsman line in 1927. This warranty program requires no receipt or dated proof of purchase. If the owner takes the item into a local retail store, it may be replaced or repaired free of charge. In some cases, such as ratchets, the customer may be offered a repair kit with which to repair the item.The full text of the warranty is as follows:If for any reason your Craftsman hand tool 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 gives you specific legal rights and you may also have other rights which vary from state to state.
The hand tool lifetime warranty is also in effect on many Craftsman non-powered lawn and garden products including rakes, shovels, clippers, brooms, trowels, pruners, hoses, sprinklers, hose nozzles, and other small gardening hand tools. The lifetime warranty does not include precision hand tools, such as calipers , tape measures and torque wrenches, with the exception of beam-style torque wrenches.Power tools have a one-year warranty.After the merger, Kmart began selling Craftsman products and honoring the hand tool lifetime warranty.

All,The facts are these:
100% Disabled (per SS standards), 65 Year old mother-in-law (Widow)
INCOME: Current income of $4800/month tax free.
November 1, income permanently decreases to 1,100 per month tax free (SS + Disability combined)
November 1, one-time lump-sum payment of $7,500 will be received (tax free)Her DEBTS
--Her home is approximately $40k under water, but she is not on the primary mortgage. She *is* on the hook for a $14k
HEL. She is in a recourse state, but again she is not liable on the primary mortgage.
--Car loan $225/month, roughly 8k balance, unsure of insurance costs.
--Current carrying cost on the house is approximately $2200 per month ($1550 primary mortgage payment, HEL payment, utilities). She stopped paying
the primary mortgage last month. She's still paying the HEL as she is personally liable. There is no way for her to remain
there without my wife and I footing the bill for everything above $1100 per month [not a possibility at this point in career].
- No CC debtNO liquid assets.
We plan to move her out here, and to eventually get her into low-income housing (could take more than a year due to wait lists). Until then, we will pay for all expenses in excess of her income. Living with us is not an option, nor will it ever be.
Questions: How does one go about "handing over the keys" when walking away from one's house?
When she defaults on the Home Equity Loan, her credit will be trashed, but what does it really matter? Kentucky Property taxes: She owes approximately $1,800 at the end of this year. Does anyone know if SS/Disability can be garnished for failure to pay property taxes? (My understanding is that typically only child support and federal tax liens can garnish these protected funds.
I'm sorry this is a slightly disjointed thread. This was sprung upon us and has thrown me for a loop.Any suggestions/advice would be greatly appreciated.ZeeOhhSix

It will be interesting to see how many other lenders make the same decision as Metlife. The shrinking number of lenders (which has already occurred as a result of bank failures) doesn't bode well for consumers. Lack of competition will ultimately make it easier for those lenders left standing to charge higher rates, fees, and provide poor service. Original article excerpt pasted below:MetLife to sell mortgage business, citing excessive regulation
by KERRI PANCHUKMetLife Bank, a division of insurer MetLife Inc. (MET: 30.6676 -3.41%), is selling the bank's mortgage business, citing uncertainty in the marketplace and a regulatory environment that requires excessive resources.The company said devoting people and capital to handle the regulatory environment in the mortgage space "would divert these resources away from MetLife's primary focus on its global insurance and employee benefits businesses."MetLife began originating mortgages through its MetLife Homes Loans division in 2008 and plans to continue writing reverse mortgages.The bank will originate new home loans and service existing mortgages while it looks for a buyer.In 2010, MetLife Home Loans ranked as the 11th largest mortgage servicer in the U.S., with its servicing business valued at $115.9 billion in the fourth quarter. The company also ranked 13th on the list of mortgage originators, holding 1.4% of the market and originating roughly $22 billion in mortgages last year.

Hi all.Unfortunately our saga continues as we now are in a strange situation with our former landlords. Advice would be appreciated. A quick history. We moved out in July and the lease terminated July 31. The landlords are not local, but they were in town the first week of August and wanted to do a walk through with us. This did not go well overall, but all in all the repairs were thankfully all relatively minor. The understanding at the end was that they would mail us a check for the remainder after the repairs were done. We would get a copy of the bill for the repairs and they would also deduct our utilities (all bills were maintained in their name and we paid them). Well, we've heard absolutely nothing from them, and according to Florida law, they had 30 days from lease termination to send us a notification of claim on the security deposit. Obviously, now we want to get our money back.I have several questions:
-I have composed a letter to them. Should I even be considering this route or do I need to head straight for a lawyer?
-The house we were living in is now for sale. Assuming this cannot be resolved amicably, is a lien on that our best bet, and what does that process typically look like?
-Is there anything important I seem to be failing to consider?Thanks, as always, for any advice.The current version of the letter:
REMOVED

1. Logitech Price : $99.99 Shipped
2. Use coupon code logi_pf2_101111 to get $60 off ( Exp : 10/14/11 )http://www.logitech.com/en-us/promotional-items/devices/6604?ci=...Final Price : $39.99 ShippedEdit: Oops. Thanks @Grouch. Copy/Paste fail on my part. Title updated.

Add to cart to get price.http://www.sears.com/shc/s/p_10153_12605_07183563000PCraftsman 30 in. Bow Saw: $4.99 1/2 Price ( Full Lifetime Warranty ) With Free In Store Pick Up @ Sears Last Time this saw went on sale was Sept 5 almost 5 weeks ago , Does not go on sale every day.
Please post your deal for a 30 in. Bow Saw with a Full Lifetime Warranty for under $5.
I have one, very sharp and it works, Well worth $5 Craftsman 30 in. Bow Saw: $4.99 ( Lifetime Warranty ) With Free In Store Pick Up. @ Sears
Dimensions:
Length: 30 in.
Product Overview:
Item Type: Cutter
Item Weight (lbs.): 1.67 lbs.
Individual, Kit or Set: Individual
Handles:
Main Handle Grip: Soft grip
Blade:
Blade Length: 30 in.
Material: Hardened steel
Type: Bow saw
Tool Head:
Material: Steel
Work Element: TeethWarranty Craftsman hand tools have an unlimited lifetime warranty. This lifetime warranty program was instituted by Sears when they began selling the Craftsman line in 1927. This warranty program requires no receipt or dated proof of purchase. If the owner takes the item into a local retail store, it may be replaced or repaired free of charge. In some cases, such as ratchets, the customer may be offered a repair kit with which to repair the item.If for any reason your Craftsman hand tool 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 gives you specific legal rights and you may also have other rights which vary from state to state.
The hand tool lifetime warranty is also in effect on many Craftsman non-powered lawn and garden products including rakes, shovels, clippers, brooms, trowels, pruners, hoses, sprinklers, hose nozzles, and other small gardening hand tools. The lifetime warranty does not include precision hand tools, such as calipers , tape measures and torque wrenches, with the exception of beam-style torque wrenches.Power tools have a one-year warranty.After the merger, Kmart began selling Craftsman products and honoring the hand tool lifetime warranty.

The site has currently crashed from the traffic, but they will be back up very soon.
https://www.kleenex.com/Softnessworthsharing/failwhale.html?aspx...

Kingwin USB 2.0 to 2.5" HDD SATA AdapterSKU: 197-469-001Coupon Code: MLC107XN limit 100 usesRegular Price: $10.95 Final Price: $8.95 Free Shipping from US warehouse.Just bought one of this to recover files from failed laptop. Useful.

I get these deals via email blast, so if the link doesn't work, see the PDF.http://www.tigerdirect.com/email/WEM2846.aspSeveral great deals on this one. The two highlighted are the TV and laptop.EDIT: Attached PDF, sorry, internet was failing.

Giveaway of the Day - Kryptel 6.1.4 Enterprise editionhttp://www.giveawayoftheday.com/kryptel-2/October 7, 2011
Everyone has private data, and if your data need protecting, then Kryptel is what you are after. Kryptel is an easy-to-use no-hassle solution even a new computer user will be comfortable with. You want to encrypt a file? Just drag it to the Kryptel icon, and Kryptel will do the rest. But easy-to-use does not mean simple or insecure. Kryptel is based on modern Advanced Encryption Standard and performs a full range of encryption tasks from basic drag-and-drop file encryption to complex automated encryption jobs.Key features:
Easy File and Folder Encryption: Just right-click a file or a folder and select Encrypt or drag it to the Kryptel desktop icon.
Strong Encryption: uses the latest NIST-approved Advanced Encryption Standard;several additional well-reputed ciphers are available for advanced users.
File Sets: Define an encryption job and encrypt thousands of files in a single click!
Encrypted Backups: Ideal for safe data storage. Thanks to strong encryption,Kryptel backup files can be stored anywhere burned to a DVD, moved to LAN storage, or even sent to a remote public server.
Easy to Automate: Everything that you can do with your mouse, you can do using the command-line interface.
Failure Resistant: Even if the computer crashes in the middle of encryption step, no data will be lost. And if an encrypted container becomes corrupted due to hardware failure, Kryptel Data Recovery gives you a good chance to get your data back.

ASUS Black 12X BD-R 2X BD-RE 16X DVD+R 12X DVD-RAM 8X BD-ROM
8MB Cache SATA Blu-ray Burner BW-12B1ST/BLK/G/AS - OEMASUS internal BW-12B1ST Blu-ray writer not only realizes the first-ever 12X normal Blu-ray write speed but also reduces the failure disc rate and increases successful burning, allowing you to enjoy fast and high-quality burning experience. Moreover, its Disc Encryption doubles the security with password-controlled and hidden-file functionality, and the hassle-free 3-step (Drag-and-Burn) makes it easy to burn.Product Link$89.99 -$20 MIR =$69.99 ARShipping is $0.99Enjoy!

A relative of mine rented a car for a week and I gave my credit card at the time of rental. I can see on my CC "transaction activities," charges for a week and the mandatory insurance they added. The car is rented under his name. My question is if he fails to return the car after a week, am I still responsible for the additional charges, or he will be responsible for those charges? I only authorized for a week, but I am not sure if the rental car company still can add additional charges/fees to my card without my permission. What if the car is damaged, stolen, etc.? Can they come after me?

Right on the Front Of The Pack , Forever Full Warranty
On The Back Of The Pack, Craftsman Full Warranty.http://www.sears.com/shc/s/p_10153_12605_07140130000PI have had mine outside for 3 years with no problem.
I have never keep it connected to my Craftsman hose .
But if there is ever a problem, with a Lifetime Warranty I will take them both back to Sears and get a new hose and a new nozzle set for free and I dont need a receipt..... Product Description
Craftsman 3 Piece Aluminum Nozzle Set $6.74 To $7.49 Reg Price: $12.99 Store Pick Up ( lifetime warranty ) @ Sears
Soft dial turret guard.High- impact metal construction
Spray adjust from fine mist to heavy stream
Comfort gripProduct Overview:
Individual, Kit or Set: Set
Item Weight (lbs.): 1.4 lbs.
Nozzle Type: Pistol
Number Included: 3
Materials & Finishes:
Material Type: AluminumI got this from wikipedia but I find this to be true.Warranty Craftsman hand tools have an unlimited lifetime warranty. This lifetime warranty program was instituted by Sears when they began selling the Craftsman line in 1927. This warranty program requires no receipt or dated proof of purchase. If the owner takes the item into a local retail store, it may be replaced or repaired free of charge. In some cases, such as ratchets, the customer may be offered a repair kit with which to repair the item.The full text of the warranty is as follows:If for any reason your Craftsman hand tool 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 gives you specific legal rights and you may also have other rights which vary from state to state.
The hand tool lifetime warranty is also in effect on many Craftsman non-powered lawn and garden products including rakes, shovels, clippers, brooms, trowels, pruners, hoses, sprinklers, hose nozzles, and other small gardening hand tools. The lifetime warranty does not include precision hand tools, such as calipers , tape measures and torque wrenches, with the exception of beam-style torque wrenches.Power tools have a one-year warranty.After the merger, Kmart began selling Craftsman products and honoring the hand tool lifetime warranty.

http://taipei4free.com/index.html Limited time coupon offer. The first 20,000 eligible people to complete and submit a valid registration at www.taipei4free.com will receive a coupon in the mail redeemable for one (1) free single serve package of Tai Pei Frozen Entres (up to $4.00). Registration begins at 3:00 p.m. (ET) on October 2, 2011. Coupons available while supplies last. Coupon expires 11/30/11 and may not be accepted at all retailers. Offer open to legal residents of the fifty (50) United States and the District of Columbia, 18 and older. Allow 6 8 weeks from date of registration for delivery of coupon. Limit 1 coupon per email address, per person, per mailing address. No substitutions allowed, except by Sponsor who reserves the right to make substitutions of equal value. All fulfillment-related costs will be paid for by Sponsor. Sponsor and its affiliates are not responsible for (i) lost, delayed, corrupted, misdirected, postage due or damaged mail; or (ii) lost, interrupted or unavailable network, server hardware or software transmissions or technical failures, or incomplete, delayed or garbled transmissions. Sponsor: Discovery Foods, 2395 American Ave., Hayward, CA 94545

Product Description
This Craftsman garden spade has an industrial strength fiberglass handle for aded durability and leverage. It has a large power collar for stronger head to handle connection. It is best used for creating defined landscape bordersin hard, rocky soil.http://www.sears.com/shc/s/p_10153_12605_07183503000PI got this from wikipedia but I find this to be true.Warranty Craftsman hand tools have an unlimited lifetime warranty. This lifetime warranty program was instituted by Sears when they began selling the Craftsman line in 1927. This warranty program requires no receipt or dated proof of purchase. If the owner takes the item into a local retail store, it may be replaced or repaired free of charge. In some cases, such as ratchets, the customer may be offered a repair kit with which to repair the item.The full text of the warranty is as follows:If for any reason your Craftsman hand tool 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 gives you specific legal rights and you may also have other rights which vary from state to state.
The hand tool lifetime warranty is also in effect on many Craftsman non-powered lawn and garden products including rakes, shovels, clippers, brooms, trowels, pruners, hoses, sprinklers, hose nozzles, and other small gardening hand tools. The lifetime warranty does not include precision hand tools, such as calipers , tape measures and torque wrenches, with the exception of beam-style torque wrenches.Power tools have a one-year warranty.After the merger, Kmart began selling Craftsman products and honoring the hand tool lifetime warranty.

I've done my best to try to keep my spirits up and downplay some of the economic data I've seen here in the US and around the world, but my ability to look on the bright side, downplay, and sometimes ignore some of this negative data has meet its end. I now need some others to find for me the good economic news that I've overlooking.
This is what I've been able to avoid dealing with until now:
1) The United States economic position is extremely weak. Average household balance sheets are in the toilet. Defaults are on the rise. Persistent unemployment is not only causing many people's balance sheets to get worse, but is also worsening the fiscal situation of the United States. Furthermore, even if we do get out of this mess we get hit with almost immediate headline inflation because of the leveraging out the huge bank reserves at Fed(MB).2) Greece is going to default. Its no longer a question of "If" its going to happen, but "when" its going to happen. Right now Europe is just delaying the inevitable while hoping that a miracle will happen to prop up Europe from taking a crushing blow when that day happens. A miracle that is pretty much guaranteed to not happen.3) No matter what measures are being taken in the rest of the PIIGS bond and CDS pressure is continuing to mount meaning that a default in Greece isn't going to be able to stop a cascade of events to the other countries. The European bailout fund will never have the resources to prop up a country like Italy. Its just too big.4) Even non PIIGS are no longer immune. This last scare over the last few weeks have even driven up French vs. German CDS spreads to historically high levels. The market is sending the signal that once its starts spreading even a stronger country like France will feel the brunt of it.5) This is also outside of the fact that as this happens almost every bank in Europe with large exposure to Greek, Portuguese, Spanish, Irish, or Italian sovereign debt(which is most banks in Europe) will either have to be bailed out or let fail further straining the European system and their government balance sheets.6) This whole situation could easily spread to another high government debt to GDP country, Japan. With the country sitting at well over 200% debt to GDP all it takes is a rise of 100 basis pts and debt service to the country outstrips revenue forcing a default. Many may argue that Japan has held up for sometime in this seemingly tenuous position, but it doesn't change the fact that one day Japan will be hit hard for the position its put itself in. And if sovereign debt risk becomes scary enough to investors its perfectly reasonable to assume that day of reckoning could come if things get bad enough in Europe.7) The world is waiting for someone out there to become the consumers of all their production. As each country tries to devalue to make their production more attractive to somewhere else in the world, other countries follow suit. Going into this crisis the US accounted for over 1/3 of the worlds consumption. North America and Europe combined accounted for well over 60% of the worlds consumption. If American consumers balance sheets are still in dire straights and Europe is pulling back, who in the world is going to step up and buy??
Okay, now for a while I was willing to paper over all of that. I also sounded the alarms about China a little less than a year ago. The Chinese property and manufacturing market is in a bubble I don't think the world has ever seen before. Huge vacant cities that continue to be built on. Massive over production in its manufacturing sector. Both of which only very recently have started to halt, and now we are looking at a free fall in China.Just look at this footage from back in March
China's Property BubbleAnd up until very recently building was still continuing at high pace. In recent weeks a bunch of China's property developers have had their bonds trading at 70 cents on the dollar and falling in anticipation of massive defaults in the property sector. What has happened over the last year or so in China has grown increasingly scary. First they were prime borrowers from the state run banks. Then they were subprime borrowers. After being cut off from the state owned banks they floated billions of dollars in bonds to the international markets. That is now closed off. Then they went to China's trust banks paying interest between 35% and 90% a year to stay afloat. Since that spigot was turned off they've gone to underground banks with a minimum interest of 10% a month. CEO's are fleeing the country and their companies because they are on the verge of default. And since sales are slowing fast many of these developers will be forced into fire sales to try to meet their debt payments.Furthermore, Brazil, Australia, and much of the developing world is dependent upon the "China bid" to maintain its high production of commodities then they are in a very weak spot when this mess comes to a head.But what put the nail in the coffin for me was when I recently found out that estimates of China's *implicit* government debt is now approximately 200% of GDP. Now its important to note the word implicit. China has next to 0% debt on its government books. But its state owned enterprises and provincial governments have huge untold amounts of debt that have been up until now believed to have been backed by the Chinese government. Think about how Dubai World related to Dubai the Emirate and you have the right idea. So that means the Chinese government is powerless to stop what is about to hit its shores.And that got me thinking, if Japan is at over 200% of GDP in debt, Europe is at about 140% of GDP in debt, the US is at about 110% of GDP in debt(with extremely high growth in liabilities) and China now has 200% of GDP in implicit debt than who in God's name is left that isn't indebted up to their eyeballs?
I'm sorry guys for posting such a downer post, but right now I'm hoping somebody out there has some good news I'm overlooking because I need it. I've always prided myself on being an optimist and more easily a bull than a bear, but I'm really struggling here and I need some help from the Fatwallet community.

I have another question for the FWF forum. I'll give a bit of a background. We hired a landscaping company in July to do the lawn due to me having too many long work trips and my wife being pregnant and unable to do it in my absense. They provided service in July, August and part of September. No contract or agreement was signed by either party. The agreed upon price was $250 a month and the month they trimmed our big palms (August) it was $120 extra. The company continually failed to do what the owner said they would do (upon our inital meeting and two additional meetings we had with him) and we continued to try to work with them to get these items taken care of. After many futile attempts we had to terminate our service with them. In the last phone call we told them we did not feel comfortable paying for the final partial month of service (4 of 5 weeks) due to the continued neglect and that if we a new landscape company most would charge us a one-time upfront cleanup fee becuase the weekly items that are susposed to be done were not. In our last contact with the company we told them to send us a pro-rated bill for September for the work they feel was actually done. In their answer back they said, "However, this will be the last email from us. The bill however remains the same, $250.000 for service and $120.00 for the palm trimming (Total $370.00). The monthly amount will not hange just because we did the 4 out of 5 weeks. We do not increase your bill if there are 5 weeks in a month."Among other things, what the company fails to realize is that we already paid for the palm trees. Should we just wait for a final bill? Should we continue to try to work with a company that won't budge? Thanks for the advise.

http://www.sears.com/shc/s/p_10153_12605_07163041000PProduct Description
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

I got a new PAYING job a month ago but here is why:A year ago I got a job (full time W2 in TX), it is a start up but about 2 years old. When was hired, was told that the company has enough cash to last for 2 years without any additional investments. Last March money problems started to be semi-apparent: little holds before we are paid, some last minute account to account transfer before pay check distribution. One time my pay check got bounced but it was immediately rectified. Then in April we had to be 3 weeks without pay, were waiting for some investment to come in (I guess it was dry by then). We were promised a bonus to carry on in a time of difficulty. It was a good company, good team, loved the people, company with a potential, decided to weather the storm. So, money came but just a little, a bonus that was promised got pushed further toward end of summer. At least then I was even on funds. Suddenly all sales and probably marketing people were let go in May (to cut the fat off, as they said). Then comes June and the pause in payment returns, unfortunately it was here to stay but I failed to recognize the signs or was ignorant due to being optimistic. Looks like the company was trying to get investments but most opportunities have flopped, investors were not interested. There was a talk that the terms for investment were too favorable (due to being desperate), it raised a flag with those who initially wanted to invest big time. There were some small investments coming enough to give us some small partial amount toward our normal pay. Thing is, the pay was constantly promised to be like tomorrow or the day after tomorrow, a false hope. It would go this way, a pay day would be scheduled to be Monday, on Monday they would give some excuse to move it to Wednesday, on Wednesday they would swear on their mother it would be Thursday, so Thursday it would just not happen, on Friday you will be unable to reach anyone, another weekend without paying bills, on Monday they would promise on blood that Wednesday is the day, on Wednesday nothing will happen, on Thursday there will be a new excuse that would push it to Friday when, again, there will be no one to update you on the status. Week after week.At first it was not as apparent, later on we caught on the pattern, we got pep talk, were promised money that was just around the corner. Not that we believed it but we searched for a new job while working for this one. At least they could have fired us so we could collect some money through unemployment... Some internal talk was that we could just quit and still apply for unemployment due to no pay but it seemed questionable we would qualify since no one we knew has ever done it. I guess it was more scary to quit and not qualify for unemployment for some reason. In the beginning it was also a bit scary to quit, what if money really showed up the next day in the amount to keep the company afloat for another year or so...Anyway, it has gone on for about 2 months. During that time we started to work from home to save on gas, childcare, etc. In the middle of the August I was put on furlough even though I was actively looking for a new job since I was seriously behind some bills. Most problematic is that I had no action plan on saving money initially since the paycheck seemed to be 100% guaranteed to be just in a few days. Believing that I have made a few regular expenses I could have saved if knew I wouldn't be paid.So, now I am owned about $8K+ minimum, not talking about promised bonuses. The company continues to operate with skeleton crew (not quite sure if they are paid or what), most of my co-workers are employed elsewhere. The company is still hunting for that white whale that will bring it to its previous glory. I found a better company with better opportunities and more pay. However, because of the previous company's cheating big wigs, I had to eat cheap crap for 2 months (about $4 a day), I gained weight because of all the pasta and other similar food, I still eat crap because even though I started working a month ago, I get paid regularly, I still pay off the bills from the summer time.What can I do? Is there any hope at getting paid? At least then I would be able to afford a new used car since mine is getting unreliable. Right now I cannot even save anything until Christmas because the money go to all the places and people where I got some to ride a wave half drowning...All my previous co-workers are pissed as well, some have families, it was even tougher on them.

Title says it all (ok, now title says it all. XBOB=fail)
Get your game on =:'>

Car rental companies seem to make up charges with the express purpose of making the charges not eligible to be covered by credit card company and private insurance.
Loss Of Use charges with refusal to provide utilization logs the credit company requires as well as Diminished Value charges are costs credit card companies and private insurance generally do not pay. The car rental company will gladly take these charges from the customer as punishment for failing to buy CDW. After getting burned with hundreds to thousands of dollars in fees the credit card company's coverage doesn't take care of, the rental company figures the customer will then always buy CDW in the future and tell all their friends to buy CDW.This archived thread says USAA members can get the junk fees waived at participating car rental companies:
http://www.fullofdeals.com/forums/finance/1009541/m15481257/#m1548...It doesn't cover the first $5000 of damage, so you still need other insurance.So, would using your USAA membership to to reserve the vehicle and then charging the rental car on an American Express card with the their extra cost Car Rental Loss Insurance (if you don't want your personal insurance involved) https://www212.americanexpress.com/dsmlive/dsm/dom/us/en/feefree... give you full coverage at Avis, Budget and Hertz?

Hi Everyone,This is my first post in the finance forum. I'll try to not make this too long.Ok, so my wife and I moved into a new rental about a month and a half ago. After we lived there two weeks we started trying to drink water out of the fridge door (which has built in water and ice). Upon dispensing the water into the class we noticed it was slightly cloudy and had an odd smell about it. So, I tried to diagnose what the issue was. I unhooked the fridge from the wall, and proceeded to pump water into a clear bucket so I could see what it looked like. This water was far more cloudy than the water coming out of the door, and contained large chunks of white and green stuff. I reported the issue online to my property manager that night, and my wife called the next day. This was a month ago now.They sent out one of their maintenance people to look at it, and he didn't do anything but listen to my wife and then said a plumber needed to come out. About a week and a half later, and plumber came out, and didn't do anything but pour a glass from the door of the fridge, and said the issue was the fridge and then left. About two weeks later, which was last week, I called the property management company, who said we now needed to have a fridge repairman come out to fix the issue. I said that the issue is not the fridge, and the fridge is actually doing a decent job clearing the water, considering the amount of crap in it before entering the fridge. I explained to them that the issue was reported a month ago, and accoring to my lease they have to repair it within 7 days or I can fix it and abate my rent. The lady I spoke with told me I couldn't do that, because my lease says that they just have to make a reasonable effort to repair the issue, which they "were doing". So, here is a copy of the relevant portion of my lease, I guess I am asking for any advice on the issue. Thanks for any input.13. G) Tenant must give Landlord written notice of any conditions of facilities and appliances that need repair. Landlord shall make reasonable efforts to remedy any conditions that are obligations of landlord under this Agreement within seven (7) days after receiving the notice. If Landlord makes a reasonable attempt to adequately remedy the condition prior to the deadline, then this Agreement shall not terminate. Tenant is only permitted to abate rent or take other action permitted by law if Landlord fails to remedy the condition prior to the deadline.

Craftsman 21 in. Bow Saw ( Lifetime Warranty ) $3.49 Store Pickup @ Sears
http://www.sears.com/shc/s/p_10153_12605_07183559000P
( Lifetime Warranty )
Dimensions:
Length (in.): 21 in.
Product Overview:
Item Type: Cutter
Item Weight (lbs.): 1.38 lbs.
Individual, Kit or Set: Individual
Blade:
Blade Length: 21 in.
Type: Bow saw
Tool Head:
Work Element: TeethI got this from wikipedia but I find this to be true.Warranty Craftsman hand tools have an unlimited lifetime warranty. This lifetime warranty program was instituted by Sears when they began selling the Craftsman line in 1927. This warranty program requires no receipt or dated proof of purchase. If the owner takes the item into a local retail store, it may be replaced or repaired free of charge. In some cases, such as ratchets, the customer may be offered a repair kit with which to repair the item.The full text of the warranty is as follows:If for any reason your Craftsman hand tool 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 gives you specific legal rights and you may also have other rights which vary from state to state.
The hand tool lifetime warranty is also in effect on many Craftsman non-powered lawn and garden products including rakes, shovels, clippers, brooms, trowels, pruners, hoses, sprinklers, hose nozzles, and other small gardening hand tools. The lifetime warranty does not include precision hand tools, such as calipers , tape measures and torque wrenches, with the exception of beam-style torque wrenches.Power tools have a one-year warranty.After the merger, Kmart began selling Craftsman products and honoring the hand tool lifetime warranty.

Called into Capital One to activate newly received card. They refuse to activate it till I speak to someone handling accounts.A: I asked if they needed any information after I called in to see if I was approved. They did not.B: They already approved me and sent me the card.So why do I need to speak to someone else rather than the activations department which won't activate the card.Makes no sense. The guy thought maybe I had faxed in an application when I pressed further but didn't give me a specific reason.This whole process is mind boggling. From the failed system error to the removed inquiry to the fact that they won't activate it till I speak to someone else.

*** ( Full Lifetime Warranty ) ***Craftsman 5/8 in. x 50 ft. All Rubber Garden Hose $19.99 Free Ship To Store @ Searshttp://www.sears.com/shc/s/p_10153_12605_07169602000PProduct Overview:
General Warranty: Full lifetime
Item Weight (lbs.): 11.6 lbs.
Hose Size: 5/8 in. x 50 ft.
Type: Crush-proof brass
Number Included: 1
Color:
Overall Color: Black
Intended Use:
Indoor/Outdoor: Indoor/outdoor
Temp: Up to 160 deg.
Performance:
Hose Action: Single stream
Usage: Above ground
Wear: Weather and abrasion resistant
Coupling Performance: Return and allowance reduction
Hose:
Bursting PSI: 500 psi
Diameter: 5/8 in.
Length: 50 ft.
Working psi: 165 psi
Type: Garden
Construction:
Design: Hexagonal concave
Overall: Radial tire cord reinforcedI got this from wikipedia but I find this to be true.Warranty Craftsman hand tools have an unlimited lifetime warranty. This lifetime warranty program was instituted by Sears when they began selling the Craftsman line in 1927. This warranty program requires no receipt or dated proof of purchase. If the owner takes the item into a local retail store, it may be replaced or repaired free of charge. In some cases, such as ratchets, the customer may be offered a repair kit with which to repair the item.The full text of the warranty is as follows:If for any reason your Craftsman hand tool 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 gives you specific legal rights and you may also have other rights which vary from state to state.
The hand tool lifetime warranty is also in effect on many Craftsman non-powered lawn and garden products including rakes, shovels, clippers, brooms, trowels, pruners, hoses, sprinklers, hose nozzles, and other small gardening hand tools. The lifetime warranty does not include precision hand tools, such as calipers , tape measures and torque wrenches, with the exception of beam-style torque wrenches.Power tools have a one-year warranty.After the merger, Kmart began selling Craftsman products and honoring the hand tool lifetime warranty.

Is there a way to find out how much the FDIC has on hand at any given time? I know with government property insurer's like Texas Wind (TWIA) and Florida Citizens you can keep track at their current financial situation at any given time. Anyone know of a way to find out? I know the big banks likely won't fail but with the downgrades and bleak outlook I just want to see the overall risk and put some figures together for fun.

Alright, so I posted on here about a month and a half ago, about taking my town to small claims court.Short back story -
New sidewalks were installed in May by the town employees. They tore my yard up with their backhoe. I have several ruts in my yard from the backhoe and many deep impressions left by the outriggers that are about 1'x1' that are sunk in 3 to 6 inches. They also left alot of gravel in my yard and just blew grass seed over it, rather than actually prepping the yard for grass.Prior to this incident in fall of 2008, there was a tree in my yard within the towns 30 foot easement. I asked the mayor to have it cut down. He said it was my problem (no...its not). A few days later I arrived home to find it had been cut down and left in my yard. The mayor had someone cut it down rather than make them pay a speeding ticket (I didn't even realize he had this power). The tree was left in my yard for several months and the stump was never ground out. Eventually I had to pay someone to cut it up and I removed it (I didn't own a chainsaw at the time). The stump is still there.After doing some research, I found out I can't take a town to small claims court in my state.So rather, I sent the following demand letter -Mayor (his name here):On July 11, 2011, I enlightened yourself and the Town Council regarding the significant damage to my property, which stemmed from the town's installation of sidewalks in May 2011. The Councilagreedthat it was an issue and further promised that it would be repaired immediately.It is now a month later.While grass may hide the extent of the damage, my front yard has several holes caused by the backhoe outriggers during installation of the sidewalk.
In the attached picture you can see the damage left behind by the placement of one of the outriggers. There are many of these spread throughout the front of my yard. This is a safety hazard. I am now at greater risk of injury, as is anyone who may walk through my yard. I will not tolerate this liability and potential exposure any further
The damage to my yard was simply covered with grass seed and left. Absolutely no finish work was done after the sidewalk was finished. There was also a lot of gravel and other fill left on top of the dirt when the grass seed was blown on.I expect this damage to be fixed within one month from today, or I will be forced to pursue this matter in Court.In order to fix this damage, I expect the following
The gravel and other debris left by the sidewalk installation to be removed from my yard.
Clean topsoil brought in and placed in the holes left by the backhoe in my yard.
The area to be properly graded and reseeded.Furthermore, at the last town council meeting I brought up that the town had failed to complete cutting down a tree in my front yard in August of 2008. The town accepted responsibility for cutting this tree down, and it was never followed through on. After the tree was left in my front yard for several months, I had to pay to have the job completed. I spoke several times with the Mayor during this period, and he assured me it would be taken care of, however it was never completed.I expect the town to follow through on their original responsibility on removing this tree by having the stump ground out of my front yard. Otherwise, this matter will be included in the court proceedings. The town is already paying for the removal of my neighbors trees, and the stump grinding in my yard could easily be included in this job.Sincerely,
(Me)
I sent this certified mail on August 2nd.About 2 weeks later I received a letter from a lawyers office, stating they were the town's lawyer. They stated that they agreed it was an issue, and to please wait until after September 12th, as that was their next meeting with the town council. After this date they would talk with me to find a reasonable solution.Its now the 21st. The lawyers office has called once to say we need to arrange a meeting, but hasn't returned any of my calls as to when.At this point I feel that
1. I'm being jerked around. Their wasting my time to try to make me go away. I don't understand this because whatever their paying the lawyer has to be more expensive than a few wheelbarrows full of topsoil and some grass seed and a 4 hour rental on a stump grinder.2. If I finally do get a chance to sit down with the lawyer, I'm going to be pushed to a solution that I don't want with the lawyer using a bunch of legal mumbo-jumbo to confuse me.3. Its now late september and dipping into the 50s. Its too late in the season to grow grass. So whatever happens, I'm going to have to wait until next year.At the point what should I be doing? Wait out the lawyer? The next town council meeting is in a few days, should I attend and ask why they are wasting time and money on a lawyer instead of just fixing my yard?Or would it be best to continue dealing strictly with the lawyer?Any general advice would be appreciated. I just want them to take responsibility for the damages and fix my yard and grind out the stump that they left. I don't feel that its unreasonable.

The mint needs us!"BALTIMORE - In a dimly lit underground vault a block from Camden Yards, the Federal Reserve is holding millions of dollars in cash that nobody wants.The money - stored in cloth and plastic sacks piled high on metal shelving units - is in the unloved form of dollar coins, some of them never used. But a 2005 law requires the reserve bank to keep ordering coins regardless of its stockpile, and so vaults in Baltimore and around the country are filling up."This is just a small portion of what there is nationwide,'' Dave Beck, senior vice president of the Federal Reserve Bank of Richmond and regional executive for the Baltimore branch, said as he stood inside a small warehouse filled with money bags, each containing 2,000 coins."At certain times, that vault will be full and we have to look for other Fed facilities ... that have more space,'' he said.Congress created a program in 2005 to mint four new dollar coins a year, each featuring a different U.S. president, in an effort to encourage consumers to make the switch from dollar bills to coins.But the new line, which began rolling out in 2007, failed to spark a significant increase in demand, Fed officials said, and some commercial banks are threatening to stop ordering the coins altogether.Nonetheless, the law compels the Federal Reserve to keep buying the coins. Each time the Mint issues a new presidential coin - the latest, featuring Rutherford B. Hayes, came out earlier this month - the Fed must be able to supply commercial banks with that new $1 coin, and only that coin, for several weeks.That requirement limits the Fed's ability to draw down its burgeoning supply of idle coins.Beck, who has worked at the Baltimore branch for 27 years, would not say how many coins are stored in Baltimore, but the Fed's board of governors told Congress in June that the reserve system is holding more than $1.2 billion in dollar coins at 28 cash offices across the country.Officials expect the number of dollar coins sitting in storage to grow to $2 billion by 2016.Critics, including some members of Congress, call the law wasteful.As the Fed board reported, "Because of vault storage constraints and insurance limitations at coin terminals, the Reserve Banks have been forced to spend resources to expand storage capacity to hold the excess $1 coins, with no perceptible benefit to the taxpayer.''The Fed cited a 2008 Harris poll that showed 76 percent of Americans prefer paper money.Supporters of the coins counter that the real waste of taxpayer money is the public's reliance on greenbacks, which survive in circulation for only a few years before they must be replaced.The nonpartisan Government Accountability Office reported in March that switching from paper to metal would save taxpayers $5.5 billion over 30 years."We want the Fed and Treasury to encourage people to use dollar coins. They've done nothing toward that end,'' said Shawn Smeallie, a lobbyist for the Dollar Coin Alliance and a former aide to President George H.W. Bush.They're "complaining that no one uses the coin when it's their job to promote it.''The alliance is made up of vending machine operators, metal miners and at least one Washington-based fiscal watchdog group, Citizens Against Government Waste.While the stockpile of coins might appear wasteful, advocates say their production does put money into government coffers.It costs 30 cents to make a $1 coin, but the Fed purchases it for face value - and the U.S. Treasury pockets the difference. In 2010, the Mint put about 400 million $1 coins into circulation, which means the government made a profit of about $280 million.The backlog, which was first reported by National Public Radio, has prompted some members of Congress to consider revising the 2005 law.Rep. Jared Polis, a Colorado Democrat, introduced a bill in July that would allow the government to stop issuing new coins if stockpiles exceeded one year's worth of demand."We shouldn't continue to spend money minting coins until it's shown that the public actually has an interest in using them,'' Polis said. "When they were new, they were collector's items, but now billions of dollars of coins are sitting in storage space at taxpayer expense due to a lack of interest."We're not saying put an end to the program altogether,'' he said. "Just that we should put a hold on producing more until there is a demand for the coins.''"Read more: Dollar coins piling up at Baltimore reserve bank http://www.herald-review.com/news/national/article_2d9ebffc-dede...
From the Herald & Review

Craftsman 21 in. Hedge Shears $7.49 1/2 Price With Store Pick Up ( Full Lifetime Warranty ) @ Sears http://www.sears.com/shc/s/p_10153_12605_07183553000PDimensions:
Cutting Blade: 8 in.
Product Overview:
Item Type: Cutter
Item Weight (lbs.): 2.33 lbs.
Individual, Kit or Set: Individual
Handles:
Adj. Handle: Yes
Main Handle Grip: Comfort grip
Handle Material: Steel
Blade:
Material: Steel
Type: Wavy
Tool Head:
Material: SteelI got this from wikipedia but I find this to be true.Warranty Craftsman hand tools have an unlimited lifetime warranty. This lifetime warranty program was instituted by Sears when they began selling the Craftsman line in 1927. This warranty program requires no receipt or dated proof of purchase. If the owner takes the item into a local retail store, it may be replaced or repaired free of charge. In some cases, such as ratchets, the customer may be offered a repair kit with which to repair the item.The full text of the warranty is as follows:If for any reason your Craftsman hand tool 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 gives you specific legal rights and you may also have other rights which vary from state to state.
The hand tool lifetime warranty is also in effect on many Craftsman non-powered lawn and garden products including rakes, shovels, clippers, brooms, trowels, pruners, hoses, sprinklers, hose nozzles, and other small gardening hand tools. The lifetime warranty does not include precision hand tools, such as calipers , tape measures and torque wrenches, with the exception of beam-style torque wrenches.Power tools have a one-year warranty.After the merger, Kmart began selling Craftsman products and honoring the hand tool lifetime warranty.

I imagine many of us are living in cities that have gone to automated traffic cameras for red light and/or speed limit enforcement. Although a quick search of the internet search turns up more than enough sites for why these cameras are unconstitutional, license plate sprays, and so forth, few have reasonably good advice for how to go about beating these tickets when they have been issued unjustly. For those of you unfamiliar with the "red light cameras" and how they operate, you can go to the website run by American Traffic Solutions (http://www.atsol.com/). In short, what happens is that your city signs a contract with ATS to put traffic enforcement cameras around the city. When a car triggers the camera, a video and pictures of the supposed offense are supposed to be sent to a local law enforcement officer who reviews the evidence and tells ATS to proceed with or cancel the citation. ATS sends out a violation notice to the owner of the vehicle and processes the violation payment. ATS keeps a portion (determined by each city's contract) and the rest goes to the city.I have been fairly vocal about the various problems (constitutional and otherwise) presented by the installation of these traffic cameras, but, until today, I had yet to receive a citation. Obviously, that has now changed. I received a violation for going 32MPH in a 25MPH zone. I have no idea whether or not I was actually going 32MPH, but it seems unlikely given the particular circumstances related to this incident. What I know is that I have absolutely no way of determining for myself whether or not my vehicle was traveling at that speed (expect for the reading of the camera). Although I was provided with a video and three still photographs, the camera angle and lack of frames per second information on the video make it impossible to determine the speed I was traveling.Unlike regular tickets, I cannot go and plead my case in front of a judge at Traffic Court. My only options are to contest the ticket by mail to American Traffic Solutions (Ha!) or appear at City Hall for an "Administrative Hearing". From reports of residents who went the Administrative Hearing route, this hearing is more of a formality. You show up when you want (no appointment necessary), they look at the pictures, look at the camera report of your speed, tell you that you're guilty, and tell you to pay your fine. In my city, the next appeal is to Civil District Court where the court costs exceed most of the tickets. The result is that fighting these tickets, even the unjust ones, is useless--you might as well just pay the fine and save yourself the aggravation. I'm an academic with a reasonable amount of free time during the summer. My plan is to do everything I can to beat this ticket and document the process. For me, it has nothing to do with the money, but, since these cameras are starting to pop up all around the country and the tickets can get quite expensive, I figured FWF would be interested in hearing about the experience. Also, I would be very interested to hear about any experiences of trying to contest traffic camera tickets.My plan right now is to argue that there is insufficient evidence to prove that the camera's speed detection mechanism (plates in the ground) gauged the speed of my car accurately. My first step is to make an informal discovery request to the City Attorney's Office and American Traffic Solutions. Since I have only 31 days from the date the violation notice was mailed (June 16) to show up for my administrative hearing, any evidence must be obtained relatively quickly. I plan to send the following letter off tomorrow:---[date and addresses above]Re: Discovery Request
Citation Notice #: [number here]To the Office of the City of Attorney and American Traffic Solutions Inc.:I represent myself in the above-referenced case. In order to properly defend myself against this citation, I am hereby giving notice that I am requesting disclosure and production of the following materials and information within ten (10) days of the date of the service of this request:1.All laboratory, technical, and other reports concerning the testing and examination of the physical evidence. This request specifically includes the calibration and maintenance documents for the traffic control camera installed at [intersection], with said records to include 365 days prior to the above referenced violation and 30 days subsequent thereto. 2.All reports of experts, police officers, service technicians, and investigators made in conjunction with the case involving the results of physical or mental examinations and/or scientific tests, including but not limited to the results of those who examined the photographs, registration records, and data collected in order to request that prosecution be initiated in this case. This list includes, but is not limited to, [officer listed], all local technicians who calibrated or otherwise worked on the traffic enforcement camera relevant to this citation notice, and all non-local technicians working for American Traffic Solutions Inc.3.All records, notices, tickets, reports, and/or photographs taken or issued by the traffic control camera at the above referenced location and which did not result in prosecution. This request includes any error logs delivered to the operations manager (or supervisor of said program) and further includes, but is not limited to, a failure to issue for any reason. 4.The resume, curriculum vitae, or any other relevant documents detailing the amount and type of training received by [officer listed] and any other person who has reviewed the photographic evidence, the physical equipment used to produce such evidence, or made any determination of guilt based on that evidence or equipment.5.Copies of all contracts between the [city here] and American Traffic Solutions Inc. relating to the use of the system used to produce this violation, including any provisions concerning the distribution of funds collected from this system.6.Any and all exculpatory evidence.If there are any fees to provide such evidence, you must contact me before proceeding. I may be reached immediately by phone at [phone number]. Thank you for your prompt attention regarding this matter.
---Edit: The text of the letter. The above version is the final text that I sent.

Endless War: Middle-Eastern Islam vs. Western CivilizationOne reviewer says - This collection of essays, articles, and columns by a former military intelligence officer is subtitled Middle-Eastern Islam vs. Western Civilization because Peters believes present conflicts in the Middle East are but the latest battles in a 1,400-year-old war. The unifying theme of the pieces is that failure to understand that fact, historical illiteracy in American society at all levels, and insistence on dealing with Islamic and other non-Western cultures using Western values has led to a great waste of lives, time, and money for much of the past 60 years...4.5 stars after 21 reviews.

Huge price drop on this brilliant film by Darren Aronofsky:LinkFor $13.49, you get a Blu-Ray disc, Amazon Instant Video rental immediately upon purchase, and free Super Saver/Prime shipping. And in states that are not Fascist, you won't need to pay sales tax (for now).NOTE: It's in your best interests to ignore all those snarky wannabe sophisticates who villified the film for failing to be authentic. 99% of these self-deputized newbie critics, from young hipsters to soccer moms, couldn't possibly tell you about the last ballet performance they actually attended (if ever).

Huge price drop on this brilliant film by Darren Aronofsky:LinkFor $13.49, you get a Blu-Ray copy plus a DVD, Amazon Instant Video rental immediately upon purchase, and free Super Saver/Prime shipping. And in states that are not Fascist, you won't need to pay sales tax (for now).NOTE: It's in your best interests to ignore all those snarky wannabe sophisticates who villified the film for failing to be authentic. 99% of these self-deputized newbie critics, from young hipsters to soccer moms, couldn't possibly tell you about the last ballet performance they actually attended (if ever).

I imagine many of us are living in cities that have gone to automated traffic cameras for red light and/or speed limit enforcement. Although a quick search of the internet search turns up more than enough sites for why these cameras are unconstitutional, license plate sprays, and so forth, few have reasonably good advice for how to go about beating these tickets when they have been issued unjustly. For those of you unfamiliar with the "red light cameras" and how they operate, you can go to the website run by American Traffic Solutions (http://www.atsol.com/). In short, what happens is that your city signs a contract with ATS to put traffic enforcement cameras around the city. When a car triggers the camera, a video and pictures of the supposed offense are supposed to be sent to a local law enforcement officer who reviews the evidence and tells ATS to proceed with or cancel the citation. ATS sends out a violation notice to the owner of the vehicle and processes the violation payment. ATS keeps a portion (determined by each city's contract) and the rest goes to the city.I have been fairly vocal about the various problems (constitutional and otherwise) presented by the installation of these traffic cameras, but, until today, I had yet to receive a citation. Obviously, that has now changed. I received a violation for going 32MPH in a 25MPH zone. I have no idea whether or not I was actually going 32MPH, but it seems unlikely given the particular circumstances related to this incident. What I know is that I have absolutely no way of determining for myself whether or not my vehicle was traveling at that speed (expect for the reading of the camera). Although I was provided with a video and three still photographs, the camera angle and lack of frames per second information on the video make it impossible to determine the speed I was traveling.Unlike regular tickets, I cannot go and plead my case in front of a judge at Traffic Court. My only options are to contest the ticket by mail to American Traffic Solutions (Ha!) or appear at City Hall for an "Administrative Hearing". From reports of residents who went the Administrative Hearing route, this hearing is more of a formality. You show up when you want (no appointment necessary), they look at the pictures, look at the camera report of your speed, tell you that you're guilty, and tell you to pay your fine. In my city, the next appeal is to Civil District Court where the court costs exceed most of the tickets. The result is that fighting these tickets, even the unjust ones, is useless--you might as well just pay the fine and save yourself the aggravation. I'm an academic with a reasonable amount of free time during the summer. My plan is to do everything I can to beat this ticket and document the process. For me, it has nothing to do with the money, but, since these cameras are starting to pop up all around the country and the tickets can get quite expensive, I figured FWF would be interested in hearing about the experience. Also, I would be very interested to hear about any experiences of trying to contest traffic camera tickets.My plan right now is to argue that there is insufficient evidence to prove that the camera's speed detection mechanism (plates in the ground) gauged the speed of my car accurately. My first step is to make an informal discovery request to the City Attorney's Office and American Traffic Solutions. Since I have only 31 days from the date the violation notice was mailed (June 16) to show up for my administrative hearing, any evidence must be obtained relatively quickly. I plan to send the following letter off tomorrow:---[date and addresses above]Re: Discovery Request
Citation Notice #: [number here]To the Office of the City of Attorney and American Traffic Solutions Inc.:I represent myself in the above-referenced case. In order to properly defend myself against this citation, I am hereby giving notice that I am requesting disclosure and production of the following materials and information within ten (10) days of the date of the service of this request:1.All laboratory, technical, and other reports concerning the testing and examination of the physical evidence. This request specifically includes the calibration and maintenance documents for the traffic control camera installed at [intersection], with said records to include 365 days prior to the above referenced violation and 30 days subsequent thereto. 2.All reports of experts, police officers, service technicians, and investigators made in conjunction with the case involving the results of physical or mental examinations and/or scientific tests, including but not limited to the results of those who examined the photographs, registration records, and data collected in order to request that prosecution be initiated in this case. This list includes, but is not limited to, [officer listed], all local technicians who calibrated or otherwise worked on the traffic enforcement camera relevant to this citation notice, and all non-local technicians working for American Traffic Solutions Inc.3.All records, notices, tickets, reports, and/or photographs taken or issued by the traffic control camera at the above referenced location and which did not result in prosecution. This request includes any error logs delivered to the operations manager (or supervisor of said program) and further includes, but is not limited to, a failure to issue for any reason. 4.The resume, curriculum vitae, or any other relevant documents detailing the amount and type of training received by [officer listed] and any other person who has reviewed the photographic evidence, the physical equipment used to produce such evidence, or made any determination of guilt based on that evidence or equipment.5.Copies of all contracts between the [city here] and American Traffic Solutions Inc. relating to the use of the system used to produce this violation, including any provisions concerning the distribution of funds collected from this system.6.Any and all exculpatory evidence.If there are any fees to provide such evidence, you must contact me before proceeding. I may be reached immediately by phone at [phone number]. Thank you for your prompt attention regarding this matter.
---Edit: The text of the letter. The above version is the final text that I sent.

Right on the Front Of The Pack , Forever Full Warranty
On The Back Of The Pack, Craftsman Full Warranty.http://www.sears.com/shc/s/p_10153_12605_07140130000PI have had mine outside for 3 years with no problem
I never keep it connected to my Craftsman hose .
But if there is ever a problem, with a Lifetime Warranty I will take them both back.
Product Description
3 Piece Aluminum Nozzle Set includes adjustable classic pro nozzle, rear trigger adjustable 7 pattern turrent nozzle and rear trigger adjustable.Soft dial turret guard
High- impact metal construction
Spray adjust from fine mist to heavy stream
Comfort gripProduct Overview:
Individual, Kit or Set: Set
Item Weight (lbs.): 1.4 lbs.
Nozzle Type: Pistol
Number Included: 3
Materials & Finishes:
Material Type: AluminumI got this from wikipedia but I find this to be true.Warranty Craftsman hand tools have an unlimited lifetime warranty. This lifetime warranty program was instituted by Sears when they began selling the Craftsman line in 1927. This warranty program requires no receipt or dated proof of purchase. If the owner takes the item into a local retail store, it may be replaced or repaired free of charge. In some cases, such as ratchets, the customer may be offered a repair kit with which to repair the item.The full text of the warranty is as follows:If for any reason your Craftsman hand tool 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 gives you specific legal rights and you may also have other rights which vary from state to state.
The hand tool lifetime warranty is also in effect on many Craftsman non-powered lawn and garden products including rakes, shovels, clippers, brooms, trowels, pruners, hoses, sprinklers, hose nozzles, and other small gardening hand tools. The lifetime warranty does not include precision hand tools, such as calipers , tape measures and torque wrenches, with the exception of beam-style torque wrenches.Power tools have a one-year warranty.After the merger, Kmart began selling Craftsman products and honoring the hand tool lifetime warranty.

Is it feasible, or a big mistake, and what is the best approach?I would trust eBay has enough viewers to auction off vehicles and machinery and expensive collectibles, but a house? I have experience with selling various items on eBay and other venues, but usually smaller items, not many over $1500. I can market it decently, have good feedback, and would be honest.I'm not sure I want to go into details, maybe would if it really matters. Overall the house has LOTS going for it including location, and has some negatives, but I know many families would love to move into this house today. It is basically a dream house for a middle class family, and it is great for a upper middle class family who is trying to downsize or not spend 30% of their income on housing. I feel strongly that the house is not that typical or boring, and therefore should be more in demand than others.Unfortunately it's not the type of house an investor would love to rent or flip. I wish it were. It could be possible they would buy it, but unlikely unless they are more advanced and doing the financing type of business, and even then.My reason for considering an auction is to get it sold faster. I also feel like I could get almost as high of a price on eBay as if I waited, when you take into account the mortgage payments over the wait time, and the fact that winter will be coming.I have local interest, but so many people are waiting to sell their other house first, or other reasons why they can't or won't buy now.Obviously I have some doubts. I would not hesitate as much to sell a lower end property like a fixer-upper investment property on eBay.I know I can do a classified ad format on eBay, and I have looked into the fees. I am wondering about whether to use auction format. It scares me that it would be 10 days only. In this case, being a house, I would like to do auction format but 20 or 30 days, giving people enough time to travel here if they are not local. I would love them to see the house before bidding, but I know some buyers would chance it without seeing in person, if I provided enough photos and probably video and seem honest, figuring they would lose only a small deposit at worst case. In my opinion, anyway.I know I can put a reserve (for a fee) and try it out and see, but it does take me time and effort.If I do it, there are different ways. Let them bid on the full price, or maybe bid on the earnest money or downpayment, or something else? There would be other big decisions for me to make I'm sure.One other hesitation I have is if that would hurt my local marketing. If people ended up seeing my "failed" or aborted auction on eBay, they might become worried about why the house didn't sell on eBay, or ? Even if it's irrational, I mean of course a great place might not sell on eBay. Or, if I started the bidding at my "lowest", then it's exposed right there for every local person (who is smart enough to search the web) to see. Because I would love for them to see it's a No Reserve auction.There are many other thoughts I had about this, but there you have a lot of the story. I am looking for anyone who has heard of good and bad experiences, and especially anyone who has tried it with their own house. Somewhere I read that so many houses sell on eBay per day, and I don't know if that's true. I would love to be a success story with this. I know some sellers of vehicles were extremely pleased that they decided to eBay their vehicle instead of go local with it.I am surprised to not see more people trying this, given how many people want to sell badly. I know many people don't have the knowledge and are too scared and have misconceptions. Or maybe they are wise to avoid it? Obviously hard stats would be the best, but I want to get an estimate to compare eBaying it with other options, and what type of auction or non-auction format.

Any FWer's have any experience with FDIC's qualifying criteria as a "small investor"?described at FDIC's website hereOaktree and Hudson, who invested with small firms to win the first FDIC small investor deals, are opportunistic investors with very high return requirements (in excess of 20% IRR ) so there must be a highly attractive angle for their firms to partner as a co-investor. Press release here:First FDIC Small Investor Program

My application failed online due to an error so it went thru manual processing instead of the regular instant approval process.Apparently they have my information on file since I called in but its been in we are reviewing your account mode for 5 days now. Do Credit card firms usually sit with apps for a long time? Previous times Ive gotten instant approvals and then the card mailed out shortly thereafter. Sometimes they even shipped it with premium shipping options. But this one has been sitting with them now for a minimum of 5 days now and they say allow up to 10 days for a response back from them.Just wondering if this was unusual or has happened to anyone else before? They seem to have all the correct info on file.

LinkyCopy and paste http://accessories.us.dell.com/sna/productdetail.aspx?c=us&l=en&cs=19&sku=A3401314 if autolink fails!Use code F12$BZ9LBKWC04

This is for a brand new, very decent AR rifle. My first AR type rifle was a DPMS one and I miss it. It could eat the cheap Wolf ammunition all day long without any failures. My Sig Sauer AR rifle refuses even to fire one Wolf round... Great deal for anyone.
DPMS ARThe link refuses to work so just search for "DPMS Panther 5.56 NATO Oracle- New in Box" once you get in www.surplusammo.com and enjoy.

I imagine many of us are living in cities that have gone to automated traffic cameras for red light and/or speed limit enforcement. Although a quick search of the internet search turns up more than enough sites for why these cameras are unconstitutional, license plate sprays, and so forth, few have reasonably good advice for how to go about beating these tickets when they have been issued unjustly. For those of you unfamiliar with the "red light cameras" and how they operate, you can go to the website run by American Traffic Solutions (http://www.atsol.com/). In short, what happens is that your city signs a contract with ATS to put traffic enforcement cameras around the city. When a car triggers the camera, a video and pictures of the supposed offense are supposed to be sent to a local law enforcement officer who reviews the evidence and tells ATS to proceed with or cancel the citation. ATS sends out a violation notice to the owner of the vehicle and processes the violation payment. ATS keeps a portion (determined by each city's contract) and the rest goes to the city.I have been fairly vocal about the various problems (constitutional and otherwise) presented by the installation of these traffic cameras, but, until today, I had yet to receive a citation. Obviously, that has now changed. I received a violation for going 32MPH in a 25MPH zone. I have no idea whether or not I was actually going 32MPH, but it seems unlikely given the particular circumstances related to this incident. What I know is that I have absolutely no way of determining for myself whether or not my vehicle was traveling at that speed (expect for the reading of the camera). Although I was provided with a video and three still photographs, the camera angle and lack of frames per second information on the video make it impossible to determine the speed I was traveling.Unlike regular tickets, I cannot go and plead my case in front of a judge at Traffic Court. My only options are to contest the ticket by mail to American Traffic Solutions (Ha!) or appear at City Hall for an "Administrative Hearing". From reports of residents who went the Administrative Hearing route, this hearing is more of a formality. You show up when you want (no appointment necessary), they look at the pictures, look at the camera report of your speed, tell you that you're guilty, and tell you to pay your fine. In my city, the next appeal is to Civil District Court where the court costs exceed most of the tickets. The result is that fighting these tickets, even the unjust ones, is useless--you might as well just pay the fine and save yourself the aggravation. I'm an academic with a reasonable amount of free time during the summer. My plan is to do everything I can to beat this ticket and document the process. For me, it has nothing to do with the money, but, since these cameras are starting to pop up all around the country and the tickets can get quite expensive, I figured FWF would be interested in hearing about the experience. Also, I would be very interested to hear about any experiences of trying to contest traffic camera tickets.My plan right now is to argue that there is insufficient evidence to prove that the camera's speed detection mechanism (plates in the ground) gauged the speed of my car accurately. My first step is to make an informal discovery request to the City Attorney's Office and American Traffic Solutions. Since I have only 31 days from the date the violation notice was mailed (June 16) to show up for my administrative hearing, any evidence must be obtained relatively quickly. I plan to send the following letter off tomorrow:---[date and addresses above]Re: Discovery Request
Citation Notice #: [number here]To the Office of the City of Attorney and American Traffic Solutions Inc.:I represent myself in the above-referenced case. In order to properly defend myself against this citation, I am hereby giving notice that I am requesting disclosure and production of the following materials and information within ten (10) days of the date of the service of this request:1.All laboratory, technical, and other reports concerning the testing and examination of the physical evidence. This request specifically includes the calibration and maintenance documents for the traffic control camera installed at [intersection], with said records to include 365 days prior to the above referenced violation and 30 days subsequent thereto. 2.All reports of experts, police officers, service technicians, and investigators made in conjunction with the case involving the results of physical or mental examinations and/or scientific tests, including but not limited to the results of those who examined the photographs, registration records, and data collected in order to request that prosecution be initiated in this case. This list includes, but is not limited to, [officer listed], all local technicians who calibrated or otherwise worked on the traffic enforcement camera relevant to this citation notice, and all non-local technicians working for American Traffic Solutions Inc.3.All records, notices, tickets, reports, and/or photographs taken or issued by the traffic control camera at the above referenced location and which did not result in prosecution. This request includes any error logs delivered to the operations manager (or supervisor of said program) and further includes, but is not limited to, a failure to issue for any reason. 4.The resume, curriculum vitae, or any other relevant documents detailing the amount and type of training received by [officer listed] and any other person who has reviewed the photographic evidence, the physical equipment used to produce such evidence, or made any determination of guilt based on that evidence or equipment.5.Copies of all contracts between the [city here] and American Traffic Solutions Inc. relating to the use of the system used to produce this violation, including any provisions concerning the distribution of funds collected from this system.6.Any and all exculpatory evidence.If there are any fees to provide such evidence, you must contact me before proceeding. I may be reached immediately by phone at [phone number]. Thank you for your prompt attention regarding t