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New Employer Retirement Plan - Quit and Rehire?
Added on : Wednesday April 16th 2014 12:00:05 PM
g: 0 Posted By: qualation
Views: 211 Replies: 7 Long time lurker, I'm 28 year old Male, $42k W2 with 5 years at company vested in pension. Currently get 23 days of PTO a year and have 9 weeks in the bank and max out at 9.5 weeks. Employer currently pays out 100% of PTO upon termination of employment, but almost definitely will change in next 6 months as outside consulting group works with company to save money. Through FWF techniques I'm hoping to retire at 35. I'm currently maxing 403B. Employer has been giving 1-2% raise annually. Don't believe I can be promoted any higher.

Employer recently change retirement plan. They made a Track A and Track B with everyone not vested in pension going to track B. I'm in Track A and don't have option to switch nor would I want to at this point. I know this sounds crazy, but I think I'm actually better of getting on the new employee track.

Track A
No 401A contribution or employer match
Pension: Monthly benefit decided by the greater of 1. $40/year up to 10 year or 2. 1%x last 7 year Average Annual Pay x Years of Service /12
Vested in Pension at 5 Years
Rehires join track B

Track B
401A contribution of the greater of 1. 3% of Annual Salary or 2. $1800
401A vested 100% after 3 years
Pension: Monthly benefit decided by the greater of 1. $20/year up to 10 year or 2. .5%x last 7 year Average Annual Pay x Years of Service /12
Vested in Pension at 5 Years

Up until the end of last year there was .5% match on 403b contributions up to 3% that has been cut for everyone.
Pension Plan before:Monthly benefit decided by the greater of 1. $30/year up to 10 year or 2. 1%x last 5 year Average Annual Pay x Years of Service /12

To get full pension you must wait till 65 and partial pension available at 55.

According to my math I'm better off on paper quitting and getting rehired on the new track if I work at company for at least 3 more years after that. I'm trying to come up with all the pros and cons of each. I worked part time for the 3 years so I'm definitely getting minimum benefit for next 5 years. I conservatively have at least 3 years savings and assuming I still have tenants could go closer to a decade without working.
Pros:
1. Current Pension locked in at $200/month and not subject to future pension changes
2. Cash out PTO at 100% ($7500ish approx.)
3. Don't have to worry about maxing PTO
4. Collect $1800 in 401A that can grow over next 37 years and hopefully be greater than $20/month annuity
5. New pension continues to increase every year, If I don't quit Year 11 will probably still be min. benefit and year 12 will be in the $430-450
6. If die after 3 years heirs get 401A money.

Cons:
1. Not vested in new pension for 5 years
2. Not vested with 401a money for 3 years
3. Lose 5 days of PTO a year for next 10 years
4. Will have 0 PTO for 2 weeks
5. May not get rehired
6. May get rehired at lower rate

I'm good at math and tried to assume I lived till 90 and used 25 Year annuity cost for the $20/month difference, but not exactly sure how much new plan would really save me assuming I only work 7 more years there and if it's really worth the risk. I'm hoping there's an actuary that can provide me some insight on life expectancy and other variables I may have missed.

Thanks for the help I've enjoyed reading this forum the past couple years.
Personal Finance Deals
g: 0 Posted By: tedhawkins
Views: 159 Replies: 0 2 pack of Ruger 22/45 Plus1 PRO Magazine Bumpers by TANDEMKROSS $18.48 Shipped

http://www.gearhog.com/

Deal Overview
Increase your magazine size by 1
Better magazine seating
Optional Spring Assist for stubborn mags

Made of nearly indestructible Zytel, these finely made magazine bumpers are designed to enable your factory magazines to load one extra round. Even more importantly to most shooters, they also help with seating magazines securely into the pistol frame by providing extra material to "bump" them into a locked state. Included with every bumper is an optional-to-install Spring Assist for even faster magazine ejection and assured magazine drop when the mag release is pressed. From competition shooters to casual backyard plinkers, everyone can benefit with these simple to install upgrades. Don't load less ammo, load more with the TANDEMKROSS Plus1 PRO magazine bumpers!

These work on both the Ruger Mark II and Mark III 22/45 Magazines.

Don't forget, all TANDEMKROSS products are Made in the USA and come with a LIFETIME guarantee!

NOTE: Buyers from Massachusetts, California, Connecticut, Hawaii, Maryland or New York will be shipped extended 10 round magazine bumpers that do not increase the magazine capacity to 11 rounds.


Guns & Ammo Deals
g: 1 Posted By: ctgolfer
Views: 170 Replies: 0 When the on-screen action is intense, nothing makes you feel more connected to your game than the feel of a good controller in your hands. With intuitive properties, precision-based controls, dynamic feedback and more, the DUALSHOCK 3 controller becomes an extension of your brain, turning your every move into an accurate performance in the game. As an experienced gamer, you know that one little move can mean the difference between victory and defeat, and that becoming immersed in the game can exponentially increase your skill level. The DUALSHOCK 3 controller is designed to help you do just that.


www.bestbuy.com/site/sony-dualshock-3-wireless-controller-for-pl...
Sony Deals

Best Buy Coupons
Republic Wireless - No contract Moto G 149$ + Refer a friend is back!
Added on : Tuesday April 15th 2014 09:00:03 AM
g: 5 Posted By: Drouo
Views: 1067 Replies: 14 Republic Wireless just announced they have revived the refer-a-friend (and increased the reward) to 40$ (20 for you, 20 for the referrer). This is a hot deal for me because I have been waiting for this to come back and will be signing up with a new account on the 17th.

Additionally, Republic Wireless recently announced the Moto G is available for purchase on 4.17.14... this is also a hot deal because I'll be saving about 60$ a month by getting rid of verizon and picking up the 10$ plan at RW. 10$ plan = unlimited voice, unlimited text and no cell data (so no scanning fatwallet while im shopping in Target).


If you pay 50, 80, 100+ dollars per phone, you might want to check your options! With this new plan, I'll be able to drop 1 phone off my verizon plan and lower my minutes, saving about 720$ a year.

community comment thread: https://community.republicwireless.com/blogs/republic/2014/04/14/referrals-are-back-at-republic

Cell Phones Deals
g: 0 Posted By: vquasarv
Views: 150 Replies: 2 Found in my email, probably targeted, but thought I would share. Offer gave a specific dollar figure increase ($1,000.00) and stated that any amount above that needed to be called in and would require a hard pull.

Email:
"Dear [FW user], As one of our best customers, were offering you a fast and hassle-free way
to increase the credit line* on your Chase Freedom credit card. Here's how easy it is to request your credit line increase:

1. Log in to our secure website by April 22, 2014 2.Enter your annual income 3.Get an instant decision

Its really that simple. Theres no hassle or credit report check!"



Credit Deals
g: 1 Posted By: remick
Views: 171 Replies: 0 http://www.amazon.com/gp/product/B0081KRP8Q

4.5 out of 5 stars (31 customer reviews)

Former mortgage brokers James L. Paris and Robert G. Yetman, Jr. detail exactly how credit scores are calculated and how a consumer can quickly raise their score. Check out our YouTube video which gives an overview of what is in the book -

The book is based on years of working with individual clients with credit situations as difficult as recent bankruptcies, foreclosures, and even IRS tax liens. Includes letters that can be used to dispute inaccurate information from a credit bureau report. Step by step information on what you need to do if you are currently attempting to get approved for a credit card, auto loan, or mortgage. Includes sources of no qualifying credit accounts that can be used to rebuild credit.



Why You Are Dead Broke! Make Money Your Best Friend and Get Out of Debt FOREVER!
http://www.amazon.com/Dead-Broke-Money-Friend-FOREVER-ebook/dp/B...

4.5 out of 5 stars (6 customer reviews)

Getting into debt is the seems like the easiest thing to do today. Jeremy Jacobson's book is about preventing and getting out of debt forever. In this book you will learn and find out:
-The different types of money disorders
-Which money disorder you have and how to fix it
-The intelligent way to spend
-How to pay off your credit card debt fast
-How to pay off your car loan fast
-Know and understand why you are throwing good money after bad
-The only sure fire way to make money your best friend
Clear. Concise. Straight forward. Why You Are Dead Broke is a must read for anyone with financial pressures and looking to brighten their financial future.



Find Money Every Day
http://www.amazon.com/Find-Money-Every-Essence-Series-ebook/dp/B...

4.7 out of 5 stars (17 customer reviews)

Can you really find money every day? Yes! There are three ways.
1. Increase your income.
2. Decrease your expenses.
3. Manifest it.
Oh, good. Youre still here. Sometimes, I say, manifest it to people and their reaction is to roll their eyes, cover their ears, and sing la, la, la. (Actually, no one has sang la, la, la yet.)
The first time I tried to manifest it I found money every day for 46 days in a row even though I only used the techniques for 30 days. Usually, I found dimes, quarters, ones, and twenties. However, on day 34, I found $213.34.
You can learn how to do this. In fact, if you your mind to these ideas, youll start finding money immediately.
Here is something interesting. I can read minds (maybe). When I mentioned manifesting money, did you think, Yeah, yeah, yeah, if I dont spend a dollar, its like making a dollar? Thats true but it isnt manifesting. As youll see when you read my story, it is possible to make money appear. It is not magic.
In this book, you learn some obvious things that you should know, some not very obvious things that you probably dont know, and some things that just arent obvious so you probably dont know them. Whew, thats a mouthful!
You are a sensible, reasonable person. You know money doesnt grow on trees. Its just made out of trees. You also know that money doesnt just appear out of nowhere. Or, does it? Let me tell you my story.
Totally Free Deals
Republic Wireless - Moto G 149$ + Refer a friend is back!
Added on : Tuesday April 15th 2014 03:00:01 AM
g: 0 Posted By: Drouo
Views: 59 Replies: 1 Republic Wireless just announced they have revived the refer-a-friend (and increased the reward) to 40$ (20 for you, 20 for the referrer). This is a hot deal for me because I have been waiting for this to come back and will be signing up with a new account on the 17th.

Additionally, Republic Wireless recently announced the Moto G is available for purchase on 4.17.14... this is also a hot deal because I'll be saving about 60$ a month by getting rid of verizon and picking up the 10$ plan at RW. 10$ plan = unlimited voice, unlimited text and no cell data (so no scanning fatwallet while im shopping in Target).


If you pay 50, 80, 100+ dollars per phone, you might want to check your options! With this new plan, I'll be able to drop 1 phone off my verizon plan and lower my minutes, saving about 720$ a year.

community comment thread: https://community.republicwireless.com/blogs/republic/2014/04/14...

Cell Phones Deals
g: 0 Posted By: remick
Views: 80 Replies: 0 http://www.amazon.com/gp/product/B00I7UEY3E

4.8 out of 5 stars (5 customer reviews)

There are many of games you could play, but you have chosen to play golf. Golf is a game of skill, patience, and perseverance. Hitting a perfect score like a pro can happen, but you need to know the strategies and techniques needed to do so. In this book, Harry D. Mitchell, gives you everything you need to know to drive and play like a pro! You will learn:
-Why your attitude REALLY matters
-The correct golf pose
-The different types of clubs
-The most effective grip position to drive the ball long
-How to sink a putt with fewer strokes
-Proper nutrition habits
-Why you should practice weaknesses and not your strengths


also

Golf's Simple Secrets - Increase Your Power
http://www.amazon.com/Golfs-Simple-Secrets-Increase-Power-ebook/...
Books & Magazines Deals
Footjoy 53247 FJ Sport Golf Shoes $59.99 @ Woot
Added on : Monday April 14th 2014 10:00:05 PM
g: 0 Posted By: ctgolfer
Views: 187 Replies: 0 shipping adds $5




Waterproof
This soft premium full grain leather offers outstanding waterproof comfort, breathability, and durability.

Lightweight Construction
Full grain leather uppers offer outstanding comfort, breathability, and durability. Additional breathability is provided through the athletic mesh liner.

Enhanced Stability
An external heel stabilizer is strategically placed to increases heel stability, while also minimizing any teetering that may occur during the golf swing.

Plush Comfort
The lightweight cushioned fit-bed provides extreme underfoot comfort and heel support. The fit-bed ensures a comfortable underfoot environment by dampening shock while walking.

Reinforced Hitting Platform
A wrapped TPU outsole creates a lightweight, durable and stable hitting platform.

Spring-Flex Traction
Stinger golf spikes by CHAMP offers superior traction throughout the entire golf swing. This golf spike also provides stability and support from the moment you step foot on the course. Unlike traditional spikes, its spring-flex traction makes the Stinger extra friendly to the greens.

Shipping Note: Shipping to Alaska and Hawaii is not available for this item

Warranty: 1 Year FootJoy

http://sport.woot.com/offers/footjoy-fj-sport-golf-shoes-3
Shoes Deals

woot! Coupons
g: 0 Posted By: tedhawkins
Views: 163 Replies: 0 Bass Pro Shops XPS Signature Series Fluorocarbon Fishing Line - Filler Spool $9.99 FS to storehttp://www.basspro.com/Bass-Pro-Shops-XPS-Signature-Series-Fluorocarbon... in the water
Twice as dense as monofilament
Low stretch for increased sensitivity
Low water absorption for superior knot strength
After winning not one, but four Bassmaster Classics on our advanced fluorocarbon line, Kevin VanDam is ardently spreading the word about its unique fishing characteristics. Like us, Kevin believes that using XPS Signature Series Fluorocarbon will help you catch more fish--even in ultra-clear water because fluorocarbon has almost the same refractive index as water, so it virtually disappears when wet. Plus, this line is nearly twice as dense as mono, so it sinks faster than the same diameter monofilament and allows better control of your lures. But the part you'll like even better is its low stretch, which translates directly to increased sensitivity; unlike fishing with mono, you'll feel every tick. With low water absorption for superior knot strength, high abrasion resistance and long-wearing built-in UV protection, XPS Fluorocarbon is a proven winner - just ask Kevin VanDam, he's used the line to win 4 Bassmaster Classics! Color: Clear.
Sports & Outdoors Deals

Bass Pro Shops Coupons
g: 0 Posted By: Xenocrates
Views: 98 Replies: 0 Bass Pro Shops XPS Signature Series Fluorocarbon Fishing Line- Filler Spool - $9.99 w/ free store pick-up@ Bass Pro Shops

3 Lb. Test Options - 6 (0.23mm), 8 (0.25mm), 10 (0.27mm)
200 YardLength
Clear
Twice as dense as monofilament
Low stretch for increased sensitivity
Low water absorption for superior knot strength

4.1 / 5 stars with 414 customer reviews on the product page.



Sports & Outdoors Deals

Bass Pro Shops Coupons
Your share of the cost of Obamacare
Added on : Monday April 14th 2014 07:00:08 AM
g: 0 Posted By: tuphat
Views: 86 Replies: 3 The IRS has made it pretty easy to determine your personal, immediate and direct (*) share of the cost of Obamacare. IRS Forms 8959 and 8960 calculate the payroll tax surcharge and additional tax on investment income, which were enacted as part of the "pay-for" side of the ACA bill.

(*) Excludes indirect costs, e.g., medical device tax, price increases by businesses.
Tax Deals
g: 0 Posted By: tedhawkins
Views: 91 Replies: 0 Vortex Crossfire II 3-9x40 (V-Brite Reticle) Matte Black + Hunter Ring Set, Lens Pen $189.99 FS

http://www.gearhog.com/?did=67720

Deal Overview
Clearer. Tougher. Brighter. Our popular Crossfire riflescopes are completely redesigned and built to exceed the performance standards of similarly-priced riflescopes. Longer eye relief, a fast-focus eyepiece, fully multi-coated lenses and improved, resettable MOA turrets ensure optimal performance in the field. The hard anodized one-piece aircraft-grade aluminum tube is nitrogen purged and o-ring sealed for a lifetime of waterproof/fogproof performance. The Crossfires deliver -- and then some.

Optical Features:
Fully Multi-Coated Lenses - Increase light transmission with multiple anti-reflective coatings on all air-to-glass surfaces.

* One-Inch Tube - Standard tube diameter for most American riflescopes.
* One-Piece Tube - Maximizes alignment for improved accuracy and optimum visual performance as well as strength and waterproofness.
* Aircraft-Grade Aluminum - Premium grade of aluminum, valued for fatigue resistance.
Capped Turrets - Is less susceptible to accidental impact damage.
* Reset Turrets - Allow re-indexing of the turret housing to zero after sighting in the riflescope--generally requires use of a coin or wrench.
* Waterproof - o-ring seals prevent moisture, dust, and debris from getting inside the tube for reliable performance in all environments.
* Fogproof - Filled with nitrogen gas to inhibit internal fogging.
Shockproof - Lenses are locked in place, fore and aft, with machined locking rings to remain in perfect alignment and withstand recoil and impact.
* Hard Anodized Finish - Hard-coat anodization is durable; the low-glare matte helps camouflage the shooter's position.

Convenience Features:
* Fast Focus Eyepiece - Allows quick and easy reticle focusing.
* Sunshade - Reduces glare and sun reflection off the objective lens.
Guns & Ammo Deals
April Kindle Book Deal - Writer's Block Demolition $0.99
Added on : Saturday April 12th 2014 08:00:04 AM
g: -2 Posted By: BigReader
Views: 606 Replies: 1 Writer's Block Demolition: Finding the Time to Write, Keeping Writing, and Finish Your Book

Kindle book on Amazon Countdown Sale
Regular price $3.99
Sale price starts at 99 cents
Available in U.S. & U.K. only

U.S. http://www.amazon.com/Writers-Block-Demolition-Finding-Keeping-ebook/dp/B00AL255T8/ref=sr_1_1681?s=digital-text&ie=UTF8&qid=1397228530&sr=1-1681&keywords=time+management
U.K. http://www.amazon.co.uk/Writers-Block-Demolition-Finding-Keeping-ebook/dp/B00AL255T8/ref=sr_1_1681?s=digital-text&ie=UTF8&qid=1397228530&sr=1-1681&keywords=time+management

Author's description:
Writer's Block Demolition
Time management for creative people such as writers is far more than just writing prompts. Eliminate writer's block forever.
99 cents Countdown Sale regularly 3.99

NOTE: This is an AmazonCountdown Deal meaning the price starts at 99 cents and then increasesin steps of $1.00 until the price is $1.00 below the regular price. Deal lasts forup to7days. The publisher can adjust so you need to check the price and the countdown timer. Currently only available on the U.S. and U.K sites.





Books Deals

Amazon Coupons
April Kindle Book Deal - Writer's Block Demolition
Added on : Saturday April 12th 2014 04:00:05 AM
g: -1 Posted By: BigReader
Views: 336 Replies: 0 Writer's Block Demolition: Finding the Time to Write, Keeping Writing, and Finish Your Book

Kindle book on Amazon Countdown Sale
Regular price $3.99
Sale price starts at 99 cents
Available in U.S. & U.K. only

U.S. http://www.amazon.com/Writers-Block-Demolition-Finding-Keeping-ebook/dp/B00AL255T8/ref=sr_1_1681?s=digital-text&ie=UTF8&qid=1397228530&sr=1-1681&keywords=time+management
U.K. http://www.amazon.co.uk/Writers-Block-Demolition-Finding-Keeping-ebook/dp/B00AL255T8/ref=sr_1_1681?s=digital-text&ie=UTF8&qid=1397228530&sr=1-1681&keywords=time+management

Author's description:
Writer's Block Demolition
Time management for creative people such as writers is far more than just writing prompts. Eliminate writer's block forever.
99 cents Countdown Sale regularly 3.99

NOTE: This is an Amazon Countdown Deal meaning the price starts at 99 cents and then increasesin steps of $1.00 until the price is $1.00 below the regular price. Deal lasts forup to7days. The publisher can adjust so you need to check the price and the countdown timer. Currently only available on the U.S. and U.K sites.





Books Deals

Amazon Coupons
April Kindle Book Deal - Writer's Block Demolition
Added on : Saturday April 12th 2014 03:00:03 AM
g: 0 Posted By: BigReader
Views: 212 Replies: 0 Writer's Block Demolition: Finding the Time to Write, Keeping Writing, and Finish Your Book

Kindle book on Amazon Countdown Sale
Regular price $3.99
Sale price starts at 99 cents
Available in U.S. & U.K. only

U.S. http://www.amazon.com/Writers-Block-Demolition-Finding-Keeping-ebook/dp/B00AL255T8/ref=sr_1_1681?s=digital-text&ie=UTF8&qid=1397228530&sr=1-1681&keywords=time+management
U.K. http://www.amazon.co.uk/Writers-Block-Demolition-Finding-Keeping-ebook/dp/B00AL255T8/ref=sr_1_1681?s=digital-text&ie=UTF8&qid=1397228530&sr=1-1681&keywords=time+management

Author's description:
Writer's Block Demolition
Time management for creative people such as writers is far more than just writing prompts. Eliminate writer's block forever.
99 cents Countdown Sale regularly 3.99

NOTE: This is an Amazon Countdown Deal meaning the price starts at 99 cents and then increasesin steps of $1.00 until the price is $1.00 below the regular price. Deal lasts forup to7days. The publisher can adjust so you need to check the price and the countdown timer. Currently only available on the U.S. and U.K sites.





Books Deals

Amazon Coupons
Smith Pivlock V90 Max Multi-Lens Eyewear $64.99 Performance Bike
Added on : Friday April 11th 2014 07:00:04 PM
g: 1 Posted By: tedhawkins
Views: 146 Replies: 0 Smith Pivlock V90 Max Multi-Lens Eyewear $64.99 performance bike

http://www.performancebike.com/webapp/wcs/stores/servlet/Product...

Smith Pivlock V90 Max Multi-Lens Eyewear - Closeout!

The Smith Pivlock V90 Max remains the lightest, interchangeable, rimless-style, cycling glasses in the world today. What's more? They're equipped with a large lens shield which offers generous coverage and protection. Non-slip nosepiece and removable temple tips stay put for near effortless lens changes. Earth-friendly frame material is 53% bio-based, high-impact lenses with advanced coating maximize visual clarity, and competition-proven design awards you with a really cool appearance.
Evolve frame with Rislan Clear material is lightweight, durable, fully transparent and more than 53% bio-based
Pivlock interchangeable lens system with a patent-pending temple and lens interface enhances field of view, minimizes frame weight and maintains a secure fit
Carbonic TLT lenses are optically corrected to maximize visual clarity and object definition while providing impact resistance
Hydroleophobic lens coating is an advanced lens barrier which repels moisture, grease and grime
7 Base Lens Curvature
Hydrophilic Megol nose and temple pads increase grip when moisture is present to keep the frame in position
Slide-on temple tips
100% UVA/UVB protection
Medium fit / Large coverage
Includes coconut fiber storage bag
Sea Glass frame comes with 3 interchangeable lenses in Clear (98% light transmission), Ignitor (32% light transmission) and Platinum (15% light transmission
Sports & Outdoors Deals

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

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

Reasons:

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

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

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

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

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

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

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


Investing Deals
Cancer Diagnosis -- Financial Impact
Added on : Thursday April 10th 2014 11:00:15 AM
g: 0 Posted By: elrp
Views: 127 Replies: 4 Long time member with a new name.

I am female, 49, don't drink, don't smoke, in good shape, healthy diet. Please don't ask for pictures (I am very attractive for my age though). Up until a few days was very healthy. Had some abdominal pain, thought maybe I was having gallbladder issues. Turns out instead I have a tumor which is 99.99999% a freakishly rare form of liver cancer. Still being evaluated, do not know prognosis, could have months, could pull through this albeit with a reduced life expectancy. I assume people will be sympathetic - thanks, but please let's try to keep this strictly to the financial end of things.

Would appreciate help thinking over the financial part of things. I am the financial person in our household, married, one kid on his own, one still in college with 2 years to go.

Owe $120k on our ~$300k house, 8 years to go at 2.5% fixed
Life insurance on me $200k through insurance company, another $80k through work.
$30k loan on 2014 car. 4 other cars paid off.
About $6k left on PLUS loan for kid #1
No other debt
$20k liquid savings
$350k in 401k
$112k lump sum pension
Spouse has own 401k, around $200k there
$5k or so in HSA
Good health insurance
90 day short term disability at full pay for me, long term is 60% of pay

Kid #2 has $100k 4 year scholarship, our expected cost for him to complete college is $24k (housing, fees, travel, food, etc) which we have been paying from income and savings.

Income me $80k, spouse $40k (should increase to $56k in the next year)

While I would really like to have more life insurance on me, other than that I think H should be o.k. should I not survive this. Agree?

What if anything should I be doing now financially? I know I will have to record all our accounts and passwords for the H who is completely financially challenged. What else?

What am I missing?


















Personal Finance Deals
25 Recyclebank Points - Johnson & Johnson: Bathroom Recycling
Added on : Wednesday April 09th 2014 04:00:05 PM
g: 0 Posted By: my4mainecoons
Views: 0 Replies: 0 Discover quick and easy ways to increase bathroom recycling
Kenda Mountain Bike Tire 26-Inch x 1.95-Inch $12.97 @ Amazon
Added on : Wednesday April 09th 2014 09:00:09 AM
g: 2 Posted By: NARC
Views: 257 Replies: 2 http://www.amazon.com/Kenda-Bicycle-Blackwall-26-Inch-1-95-Inch/...
4.7 out of 5 stars

Slick MTB/Hybrid road and trail tire; 26 by 1.95 inches
Patterned after motorcycle tires for low rolling resistance and traction
Wire beads increase durability
Directional grooves channel water to the outer tire edge
Blackwall sides for a lighter weight profile

According to the camel, it's the best price in the last year.
Bicycle Deals

Amazon Coupons
Help me write remodeling contract
Added on : Tuesday April 08th 2014 01:00:05 PM
g: 0 Posted By: mojoshtudd
Views: 76 Replies: 0 I am about to have my kitchen remodeled and have almost finalized the contractor who will do it. This was based on cost/materials/reviews/gut feeling after interviewing 5 contractors.
Even though I am happy with this guy, I want to make sure that the contract is written in a way that saves me headaches down the road. This is my first remodeling project, so I want to make sure I got everything covered.
FWIW, this is in Southern California.
Some of the points I think should be on the contract (based on Google search, asking around, in no particular order):

Payment schedule: 10% in the beginning, tiered payments at end of each milestone (demolition, cabinet installed, counter-top installed etc) and a final hold-back amount (~10-20%) to be paid upon completion and my acceptance.
A clause that protects added costs - any modifications that result in increased budget to be mutually accepted and signed before being implemented
Start and end dates. A clause that specifies what happens when work goes significantly beyond schedule.I don't know how to word this part.Should I put in a penalty clause for delays or reward clause for early completion. How much grace period to give him beyond agreed upon schedules? I don't want to hold him to the day and hour of the schedule but also do not want him to work on other projects and delay mine by a few weeks.
A clause to specify how to handle disputes. Should I put in a clause about binding arbitration to avoid court costs and time?
Protecting myself from liens: unconditional lien releases from all his subcontractors/vendors/employees that worked on my project prior to each of the payment schedules. My understanding is that this releases me from being sued by a sub-contractor because the general contractor did not pay him despite me clearing payment from my side.Is this typical in a contract?
A clause about damages, dust control etc while he works on the project.What is a good way to write this?Basically I want to make sure they protect walls, furniture etc from dust. Also do not damage my property etc. The guy is bonded and has insurance, workers comp etc - but do I need to specify that on the contract or do these things automatically kick in if he damages something or his worker gets injured.
A termination clause - something that lets me get out of the contract if I consider the work to be below expectation at any stage. Again, I don't want to be a dick about it and yank him if I get a better bid midway; but I also don't want to be on the hook if he is clearly headed down the wrong path
Warranties on work: I read that it is a good idea to turn down the contractors warranty. Apparently accepting it waives the state statutes which have better protection. This was counter-intuitive for me but would like some feedback from you guys. I am in CA.

Anything else I am missing?
I will update this thread as I get the actual contract in hand and negotiate with the contractor.
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Free Kindle Book - Negotiating When Money Matters: Home Improvement
Added on : Tuesday April 08th 2014 07:00:07 AM
g: 0 Posted By: remick
Views: 56 Replies: 0 http://www.amazon.com/dp/B00F6GIOW4

5.0 out of 5 stars (10 customer reviews)

Negotiating When Money Matters provides a low-stress, ethical way to get the best price. Contemplating a home improvement or repair? Dread the hassle, hate wondering if you've been overcharged? Most of us aren't Do-It-Yourselfers. The typical homeowner spends $4,000 per year on home improvement. If you own a home, you are on the verge of needing repairs or getting an upgrade; when or what is TBD.
To get the best price, you don't need to know their job or outsmart them. You just need to know what factors cause the price to go up and sidestep those. Find out the surprising thing you can do, taking about an hour of your time, that makes your chosen contractor give a competitive, honest price.
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Keeping yourself out of the overcharged group is easier than you think. It makes you a double winner, because customers who get a fair price are also more likely to get good work.
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Foscam FI8916W Wireless IP Camera - $69.99 AC F/S
Added on : Tuesday April 08th 2014 07:00:03 AM
g: 0 Posted By: stoporder
Views: 155 Replies: 0 On sale at Foscam store. Use coupon code 916 at checkout.

In black:
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Parents' large assets to Roth best transfer options?
Added on : Monday April 07th 2014 04:00:07 PM
g: 0 Posted By: derfderf1984
Views: 81 Replies: 0 Question: What should my parents do to reduce cost (Tax) and increase amount in Roth or fringe benefits?

Details:
- Dad is fixated/bitter to the fact that he worked hard and was responsible, but will have his assets depleted before most assistance programs kick in while those not lucky enough to get a pension buyout will get the government aid free sooner.
- Generousparents want to get the funds to a ROTH IRA so that my brother and I can inherit the funds andkeep them in non-taxable accounts only taking mandatory withdraws.
- They want to keep the taxes they pay on the transfer to a minimum or receive a benefit that makes up for the tax hit. Today comfortable with staying in the 25% tax bracket.
- Parents are 65ish
- The first world problem is, the stock market gains are more than the amount they can roll over to a ROTH every year thus they will never be able to roll over the whole amount into a non-taxable account.

My thoughts on options:
1) Just stick to the plan the tax hit is not justified until I loose one of my parents. (Pro: keep taxes low Con: may incur taxes later, might not accomplish their goal.)
2) Take more of a hit to get to the point of no reportable income. Then apply for aid programs that do not have means tests to determine eligibility. (Pro: goal complete,minor benefits poor people get Con: lost flexibility in accomplishing goal, feel like deadbeats)
3) Is there a way to take a loan fromyour traditionalIRA secured by some note that the traditional keeps while you fund the Roth with the loan money so it is not income just loan money? (Don't know if doable because it is loan money not earned money going into ROTH)
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g: 0 Posted By: SieSilverStars
Views: 253 Replies: 0 The Guild Wars 2: Heroic Edition, available for PC Digital Download, is on sale at GuildWars2.com for $24.99.

Linky

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You can also get the Digital Deluxe Edition for $34.99 on this site.

Mainly the other deals that I've seen posted in the forums have been priced in the $40's range, such as this one, so I thought I'd post this for ya.

This game received a 90 Metascore and a 7.9/10 user score on Metacritic.
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g: 0 Posted By: BigReader
Views: 206 Replies: 0 How to Blog for Money: 9 Strategies to Get Your Blog Earning Money Online and Off

Book is on Amazon Countdown until sometime next week.
Regular price$US 8.95 sale price started at 99 cents.Price typically goes up every day or so.
only on sale in U.S. & U.K.

U.S. http://www.amazon.com/How-Blog-Money-Strategies-Earning-ebook/dp/B008D2ZMSC/ref=sr_1_1?s=digital-text&ie=UTF8&qid=1396621835&sr=1-1&keywords=how+to+make+money+blogging

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According to the book there are only 9 ways (basic strategies) that you can make money with a blog. This book gives you the 9 ways and hints and tips for each method. Basically helps you to determine the best method for you to make money with a blog.

NOTE: This is an Amazon Countdown Deal meaning the price starts at 99 cents and then increasesin steps of $1.00 until the price is $1.00 below the regular price. Deal lasts forup to7days. The publisher can adjust so you need to check the price and the countdown timer. Currently only available on the U.S. and U.K sites.




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DC Staffer Backpack - $17.99 w/ FS at 6pm.
Added on : Thursday April 03rd 2014 10:00:05 AM
g: 1 Posted By: jskins
Views: 201 Replies: 0 DC Staffer Backpack-$17.99with free shipping at 6pm.

Sycamore color
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Heavy Hitters - First Quarter 2014
Added on : Thursday April 03rd 2014 08:00:20 AM
g: 0 Posted By: barsotti0
Views: 109 Replies: 2 I know the 2013thread still has recent posts in it, but I wanted to startone for the close of first quarter 2014. Opportunities are constantly changing, andwith the significantprofits some members attain, Ithoughtthis could provide motivation to either get off the bench or step it up:

Figures provided through 3/31/14:
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Points Attained: 138K (Hawaiian Airlines, Hilton Honors, and Sapphire)
Fees Paid: $1,565
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I just came in below the annualized low level amount, and I'm hoping to get to 50k for 2014, once I can increase my AMEX CL in June.
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Added on : Wednesday April 02nd 2014 05:00:06 PM
g: 0 Posted By: jskins
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g: 0 Posted By: ensignlee
Views: 298 Replies: 12 Hey y'all,Here's the situation. A few months back, I left my job in Dpt A in my company to join Dpt B, both because Dpt B was willing to pay me more and because it was something I wanted to do.

Unfortunately, my job at Dpt B is going away in April. Dpt A has approached me about going back to my old role in Dpt A, but in an expanded role.

A whole bunch of senior/important people in Dpt A have left the company in the last 3 weeks. This means I may be the only person left in the company that knows how our systems work at a deep level. You could hire someone from the outside with tons of industry experience, but they would take a long time to get up and running because our systems are so craptastic. And so I feel like I am in a strong negotiating position.

The director from Dpt A and I are supposed to talk sometime soon about the possibility of coming back.

My question is, how do I ask for a large raise from what I feel is a strong negotiation standpoint without sounding like a dick?

I mean, the subtext of what I want to say is "Hey, if you don't bring me back, Dpt A is pretty screwed. Nobody left in this company knows our valuation systems as well as I do, which is especially important now because we are trying to merge systems together with that company we just bought. So pay me", but I obviously can't come out and say literally that.

I was thinking something like the following, after I receive what will probably be a lowball offer of $85k'ish (I currently make $80k, and market is $90k, which I know from being extended an offer earlier in the year from a rival company):"Hey, I don't want to go through the song and dance of me accepting a low offer now, and then leaving soon afterwards because I'm still not paid at market value. Let's talk about numbers that would keep me here long term so that way we can both be happy.

Now, I know from past experience that sometimes salary increases are hard to sell to upper management, but contracting prices are easier to swallow. I'm willing to go that route.

Now, let's say I left today, and you had to backfill my spot. You'd be paying Sapient or Sirius a consulting fee of around $300/hr probably. Why don't we split the difference and do $150/hr for a contract position.

This way, you can be sure that I'll be around during this big transition of systems that we're about to undergo. And I can mentor the new analysts that you are hiring now to backfill the losses of <names of important team members X, Y, and Z here>, so that way they can hit the ground running instead of floundering. As you know, our systems are really unintuitive, and so you can hire someone with all the industry knowledge in the world, and they still won't be very effective because it takes forever to learn how our systems work."And then either he agrees to contract work at $100-$150/hr, or my counter proposal of a raise to $112k/yr seems cheap in comparison.

Is this a good plan? Or do y'all have any advice on how to word this?I don't want to sound adversarial, as that doesn't help negotiations but I want to be firm and use my negotiation leverage.

Thanks for the advice master FW negotiators!

~~~
P.S. Given the choice, I'd rather contract rather than take the full time position, as I don't think this company is particularly well run from top management. Also, taking contract allows me to be in a better position in case the company decides to just string me along and pay me my higher requested salary until they can find someone to fill my shoes. That's why I mentioned it first (along with the fact that my proposal to $112k salary from $80k then seems cheap in comparison).
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Compare third party provider rates/contracts athttp://www.energychoice.ohio.gov/ApplesToApplesCategory.aspx?Category=NaturalGas#

No hard credit pull and no service interruption - continue to receive your bill through one of the 4 major providers above, this just locks you in to a rate with a natural gas reseller. Note that once the 6 months contract ends you will likely want to switch providers, as the rate will likely become variable and increase.

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g: 0 Posted By: Deals4mykids
Views: 196 Replies: 1 http://www.gearbest.com/survival-emergency-gear/pp_16235.html#.U...

Covers the body when accidents happen to avoid body temperature missing
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Largely suits for outdoor sporters, visitors, explorers, athletes, rescue teams, climbers, etc

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g: 0 Posted By: remick
Views: 40 Replies: 0 http://www.amazon.com/gp/product/B0041OT638

Total Quality Management, Leadership & Management Science

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Free Kindle Book- Teach Your Kid To Drive & Come Home Alive!
Added on : Sunday March 30th 2014 08:00:10 AM
g: 1 Posted By: remick
Views: 301 Replies: 1 http://www.amazon.com/gp/product/B00307S1WO

Teen Traffic Deaths Increased 19% in the U.S. in 2012.
Don't Let Your Child Add to this Statistic!
Please get this book and help stop this unjustified loss. It's up to every parent to make SURE their child has the skills to survive.
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Along the way, watch out...you might learn something too.
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To Buy or not to buy a house?
Added on : Saturday March 29th 2014 11:00:09 AM
g: 0 Posted By: rodge
Views: 156 Replies: 0 I'm a long time lurker when it comes to FWF, but am hoping that I can lean on the wisdom of you all to give us some thoughts on the decision making.

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

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

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

FICO score: 787 & 798.

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

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

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

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

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

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

Or Should we even buy a house this year? Or wait for another year? (We'd like to move to a school district which has better GT, Honors, AP, AAP courses down the line)
Thanks in advance for taking the time to read my post and offer some insight.
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g: 0 Posted By: Tamakashi
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Free random Marvel Heroes character when logging into Marvel Heroes MMO
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March Kindle Book Countdown Sale - How To Build A Raised Garden Bed
Added on : Saturday March 29th 2014 03:00:06 AM
g: 1 Posted By: BigReader
Views: 138 Replies: 0 How To Build A Raised Garden Bed
Kindle Book on Sale

Amazon Countdown Deal

U.S. http://www.amazon.com/How-Build-Raised-Garden-Bed-ebook/dp/B005J2MW3W/ref=sr_1_fkmr1_1?s=digital-text&ie=UTF8&qid=1396097265&sr=1-1-fkmr1&keywords=gardening+techniques
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NOTE: This is an Amazon Countdown Deal meaning the price starts at 99 cents and then increasesin steps of $1.00 until the price is $1.00 below the regular price. Deal lasts forup to7days. The publisher can adjust so you need to check the price and the countdown timer. Currently only available on the U.S. and U.K sites.
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g: 2 Posted By: remick
Views: 347 Replies: 0 http://www.amazon.com/Rethinking-Internet-Things-Connecting-Ever...

Over the next decade, most devices connected to the Internet will not be used by people in the familiar way that personal computers, tablets and smart phones are. Billions of interconnected devices will be monitoring the environment, transportation systems, factories, farms, forests, utilities, soil and weather conditions, oceans and resources.

Many of these sensors and actuators will be networked into autonomous sets, with much of the information being exchanged machine-to-machine directly and without human involvement. Machine-to-machine communications are typically terse. Most sensors and actuators will report or act upon small pieces of information - chirps. Burdening these devices with current network protocol stacks is inefficient, unnecessary and unduly increases their cost of ownership.

This must change. The architecture of the
Internet of Things must evolve now by
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Balancing 401k contributions and income taxes
Added on : Friday March 28th 2014 04:00:12 AM
g: 0 Posted By: unkinected
Views: 25 Replies: 0 Forgive (or flame) me for asking what isprobably a simple question, but I'm trying to evaluate the tax consequences of various 401k contribution rates.

Let's assume for round numbers my taxable income is $100k (agi - deductions - examptions). My effective tax rate is 23.6% (tax calculated in 1040 / taxable income).Last year I contributed $7k to my 401k (I know, it's very low, but please ignore that for the moment). Let's say I had maxed that out.. contributed a full 17k. My new taxable income would be at $140k, my new tax bill at 23.6% is obviously $2,360 less than it would have been at the lower contrib rate. So far so good.

Here's where I'm confused. Since my tax bill will be lower, and I want to avoid overpaying throughout the year, should I increase my exemptions to compensate? Or, because my taxable income will be less each paycheck, will the tax withheld automatically compensate for the reduced tax bill at the end?

I believe the answer is the latter, but I'm not totally sure on that. By increasing exemptions on W4, less taxes would come out of my paycheck each period (giving me more cash in hand)and thus my total tax payments throughout the year would be less.

TIA!
g: 0 Posted By: jcaserta
Views: 105 Replies: 3 Hi,

So my gf backed into someone on the way to work yesterday. It was at 2 mph or something, super minor accident, but unfortunately we had the trailer hitch on. So it put a dent in their bumper. Our truck is completely unharmed.

GF basically admitted to being at fault, which is fine. Gave insurance info, the other person filed a claim with our insurance company (Travelers). She got a repair quote from the most expensive shop in the area and it was $1050 or so. I've gotten quotes from this place before for our own work and it's been 3x what other places charge but fine.

Our deductible is $1000 so going through insurance gains us nothing. And we've both been completely accident free before this. From reading online it looks like this will raise our rates by 25% at least, which we have a few high value cars so that will be a pretty substantial increase, at least a few hundred $ every 6 months.

We tried offering the cost of repairs based on that quote plus a little bit extra to the person if they retract the claim but they won't budge and say they have to go through insurance. Has this been other people's experience as well? This is new territory for me, I've never been at fault in an accident.

I'm thinking about offering them $2k or something since that will absolutely pay for itself if our premium would actually go up a few hundred every 6 months for a few years, if I do this is there any guidance from anyone as to precautions to take or if this is a good idea.

Any other input?
Personal Finance Deals
g: 0 Posted By: jasclark
Views: 179 Replies: 0 http://www.dickssportinggoods.com/product/index.jsp?productId=28...
List Price: $45.00* Deal Price: $32.99
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g: 0 Posted By: remick
Views: 166 Replies: 0 http://www.amazon.com/Art-Mental-Training-Performance-Excellence...

4.8 out of 5 stars (133 customer reviews)

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Learn the psychological factors that will help you view set-backs as opportunities to create lasting positive change

Enhance visualization techniques and create success imagery loaded with feelings and emotions that will generate powerful results

Understand what to practice and which success conditioning exercises will vastly improve your self-belief, self-confidence and performance

Gain insight in to the coaching psychology behind redirecting anger energy and using it to strengthen your resolve and remain in control

Use proven sport psychology techniques to leave your ego outside your event and avoid performance choking completely

Learn to create the Ideal Performance State using Neuro Linguistics Programming and The Critical Three

Get rid of limiting beliefs and the negative critic in your head once and for all

Achieve the champion mindset and gain the mental edge over your opponents or the situation - on demand

Learn how to find the place from which peak performance springs forth

An easy read, this Kindle book is truly a guide to performance excellence written by an expert and a very unique teacher. Peak Performance Coach and Best-Selling Author, DC Gonzalez is among a very fortunate few who have had the unique experience to have learned from the late P.C. Seigel, a world-renowned sports and peak performance authority, sports hypnotherapist, and Neuro Linguistics Programming (NLP) Master Practitioner.

The lessons and techniques presented in this book are essential reading for anyone seeking more success and peak performance, whether it be on the playing field, in business, or life in general. Whatever your personal endeavor may be, whatever challenge you may be facing; these lessons will prepare you to move forward and to excel in a powerful way. Reach new levels of personal success and performance as you learn, practice, and apply these powerful concepts and proven techniques.


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

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

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

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

Cabela's Coupons
g: 1 Posted By: remick
Views: 127 Replies: 0 http://www.amazon.com/dp/B007KQ6TD4

4.5 out of 5 stars (41 customer reviews)

Simple Circles is a simple yet complete exercise program for sedentary seniors who are not practiced in any regular exercise in their daily routine. This program of 10 easy-to-perform exercises can be implemented by virtually by any senior and completed in about 10 minutes a day to regain or maintain flexibility and range of motion. Author, Howie Bell, recounts an injurious fall that his father took as the inspiration for this book and assures readers that better health and fitness is possible with a simple focus on circular motion exercises.


Also Free:

Exercise Over 50: Low Impact Exercises for a Stronger Core, Better Physique, and Improved Health - Exercise For Seniors
http://www.amazon.com/Exercise-Over-50-Exercises-Stronger-ebook/...

The Fitness Fun Busy Book: 365 Creative Games & Activities to Keep Your Child Moving and Learning
http://www.amazon.com/The-Fitness-Fun-Busy-Book-ebook/dp/B00GVJ1...

The Power of Aerobic Exercises: The Secret of a Healthy Heart and a Flat Belly
http://www.amazon.com/The-Power-Aerobic-Exercises-Healthy-ebook/...

The Healthy, Active Life: How to Burn Fat, Get Lean, and Increase Energy
http://www.amazon.com/The-Healthy-Active-Life-Increase-ebook/dp/...

Yoga For Beginners: How To Choose Your First Yoga Lesson
http://www.amazon.com/Yoga-For-Beginners-Choose-Lesson-ebook/dp/...

Books & Magazines Deals
Northwestern Mutual (help)
Added on : Tuesday March 25th 2014 10:00:14 AM
g: 0 Posted By: corporateclaw
Views: 100 Replies: 2 I will try and get as much "family nonsense" out of this post (though I do want to vomit a bunch of family nonsense on you guys here) -- basically my dad moved all/most of his retirement assets to northwestern mutual about a year ago. I'm not sure what he's in now, but it's mutual funds and investment-type things that I'm certain are not annuities. This was done because various safer investments at Vanguard were not generating "enough return" and through some sales pitch that his principal investment was "guaranteed" or protected in some way. My question is generally about that second part, I know of no way to have your principal guaranteed in this sort of investment (I know a high rate CD or annuity or something would have that protection, but I don't know how a mutual fund would have that protection). I know that NM could have that as some benefit, but I have been digging around on their site and don't see it.

So (1) does this exist and (2) I know that I"m being a little vague, but that's because I just found out about the move, so is there anything short of asking to see the current statements to figure out what/where he is that I can do?

The slightly longer story (with SOME family BS) is essentially that my parents literally no retirement savings about 7-8 years ago and myself and my wife helped them figure out how to put money together. Due to an inheritance and my mother passing away, the funds they had about 1 year ago are such that I would describe them in this way: My dad has enough money to live on until his death barring some major catastrophic event. Based on this, we put his investments in to safe, but not very aggressive Vanguard funds, because unless we dumped it all into some penny stock and he quadrupled his money overnight a couple times, there was no way that this could be increased to make up for some major catastrophic event (essentially any kind of growth that wasn't insanely risky seemed like it got him to the same place - enough money to live on unless there is a disaster, and any disaster would wipe it out barring an insanely risky investment, which would be more likely to wipe him out anyway). So about 1 year ago, I moved away from the city where my dad lives and less than a month after moving, brother in law (who used to work at NM) helped my dad move all of this into NM. I only found out because working on tax stuff my wife logged into his vanguard account and called me scared that he had been hacked since his account values were zero.

Generally, I'm washing my hands of it, but for my own personal benefit I'd like to have some idea of whether my dad just got completely run over or if this is an actual benefit at NM. (he's pretty giddy about the good return he got over the last year, since obviously middle of 2012 to now was a good time to be in more aggressive funds).
Investing Deals
Ultra Mobile's new $19 plan...1000 minutes...starting 03/25/2014
Added on : Tuesday March 25th 2014 10:00:07 AM
g: 0 Posted By: voyagerbob
Views: 204 Replies: 0 Just noticed this on Ultra Mobile's web site...http://www.ultra.me

Starting today-March 25, 2014, Ultra Mobile's $19 plan goes from 250 minutes to 1000 minutes with unlimited texts..along with data being increased to 100mb from originally 50mb.
Services Deals
Free Kindle Book- Kingdom Keepers: Disney After Dark (was $8.99)
Added on : Tuesday March 25th 2014 06:00:23 AM
g: 0 Posted By: remick
Views: 0 Replies: 0 http://www.amazon.com/dp/B004D4YIKM

4.4 out of 5 stars (320 customer reviews)

Age Level: 10 and up | Grade Level: 5 - UP
In this fantastical thriller, five young teens tapped as models for theme park "guides" find themselves pitted against Disney villains and witches that threaten both the future of Walt Disney World and the stability of the world outside its walls. Using a cutting-edge technology called DHI--which stands for both Disney Host Interactive and Daylight Hologram Imaging--Finn Whitman, an Orlando teen, and four other kids are transformed into hologram projections that guide guests through the park. The new technology turns out, however, to have unexpected effects that are both thrilling and scary. Soon Finn finds himself transported in his DHI form into the Magic Kingdom at night. Is it real? Is he dreaming? Finn's confusion only increases when he encounters Wayne, an elderly Imagineer who tells him that the park is in grave danger. Led by the scheming witch, Maleficent, a mysterious group of characters called the Overtakers is plotting to destroy Disney's beloved realm, and maybe more. This gripping high-tech tale will thrill every kid who has ever dreamed of sneaking into Walt Disney World after hours and wondered what happens at night, when the park is closed.
g: 0 Posted By: ShoppingChick
Views: 77 Replies: 0 Woot Sellout has the Drinkwell Indoor Outdoor Dog Fountain (DDOG-INOUT) on sale for $39.99 + $5.00 shipping = $44.99.

3.5 Gallon (450 oz.) Water Capacity
Dual-filtration with Charcoal and Foam Filter Included
Two 1-Gallon Reservoirs increase capacity and make refills easy
Deep bowl with high walls to help control splashing and spills
Dual water flow improves aeration and helps consolidate debris
Anti-Bite Cord Cover
Dishwasher safe (excluding pump)
For indoor or outdoor use only
Removing PMI - Wells Fargo is Evil :(
Added on : Monday March 24th 2014 04:00:06 PM
g: 0 Posted By: SaguratuS2
Views: 119 Replies: 2 Hey everyone,
I've run into my second major issue dealing with Wells Fargo on my mortgage (the first time, they 'lost' $10k worth of principal payments, which took nearly half a year to fix). I went to remove my PMI from my loan, and WF said I still had $20k to go. My loan-to-value is just below 80% at 151k, with the original appraisal being 189,000. I refinanced back in early 2012, and I discovered that they put the refi amount as the appraisal ($164,000). I've been fighting them for months on this issue, and I've gotten absolutely nowhere.

They said I could order another appraisal, but they won't consider it unless I've done something to the house to increase its value. Right now, I'd estimate it would appraise around $214,000 given the market, but I haven't made any notable improvements.

Am I SOL, or is there anything I can do?
Personal Finance Deals
Basement Remodel Considerations
Added on : Monday March 24th 2014 01:00:08 PM
g: 0 Posted By: Rewdog
Views: 147 Replies: 3 I have a pseudo-finished walk-out basement that I'm looking to remodel to put another bedroom (we recently had a family member move-in and we have a kid on the way). I say pseudo-finished because although it passed home inspection, it is still not considered livable space in the appraisal; no ac / heat, no doors to the different rooms.I bought the house as a foreclosure and most of the basement looks to be a DIY type job.It has functioned fine as a rec room and storage but I don't feel comfortable making any guests sleep down there yet.

The re-model will consist of (pics for tldr):

Removing a single interior wall that is not load bearing but does contain an outlet on either side.
Removing a second interior wall that makes up a closet.
Extending a current wall, creating a doorway, and closing an existing doorway opening.
Installing a full size window.
Creating new electrical outlet (outlets already exist on this wall).
Creating a closet
Closing an existing opening with a louvered door for access to the water heater.
Creating a new doorway with a louvered door for access to the HVAC.

I've never done a remodel of this magnitude, so I want to have my bases covered. Is there anything I am missing or should re-consider?

I plan for everything above to be done by a single general contractor that will sub-contract an electrician for that work. I'll do the more cosmetic stuff: painting, flooring, closet shelving, lighting.
Will a general contractor pull the required permits or do I have to do that? How long does that usually take, and what does it usually cost? As I said before, most of the basement seems DIY and I'm unsure previous work had been permitted.. what could be the ramifications of that?
I'm installing a window for egress, but will use space heating rather than tapping into my central hvac system.. This should mean that the space still does not count as livable so my property taxes should not increase.. Does that sound right?
What type of notifications or adjustments should I do to my home insurance?
The water heater and HVAC is natural gas which is why I am going with louvered doors; any issues with that being attached to a bedroom other than noise?
Does a $5k to $7k budget sound reasonable for the contracted piece?

Thanks FWF geniuses!
Personal Finance Deals
Student loans vs. investing in employee stock purchasing programs
Added on : Thursday March 20th 2014 08:00:16 AM
g: 0 Posted By: rxgolfer
Views: 34 Replies: 0 Hello, to start it off I am a pharmacy student graduating in May.

What do you all think about paying minimum on my student loans and investing my extra money in my employee stock purchasing program?I know investing in the company you work for is a bad idea for the most part, but with Obamacare on the way, I would speculate the stock of pharmacies will be going up in the future (e.g. RAD from .20 cents to $7 in just a few years; CVS 20 - $80 in 4 years). On top of that, usually, you can buy company stocks at 10-15% discount (but you have to hold for a month to a year.) My average interest rate is 7%, crossing my fingers that my company stock doesn't dip and even possibly increase by a few percent, I could be making 2-7%+> in profit that I can contribute towards student loans later. I know this is risky and very speculative. What are your thoughts? Should I pay my loans off this way??
Question Deals
g: 0 Posted By: iceman94954
Views: 130 Replies: 1 Milwaukee 18V Cordless M18 Lithium-Ion 2-Tool Combo Kit with Case 2691-82 $166.99

http://www.ebay.com/itm/390771065383FEATURES

18V Cordless M18 1/4-in Hex High Performance Impact Driver - 2650-80
18V Lithium-Ion battery delivers longer life and run-time
Patented gear-protecting clutch extends the life of the tool
1/4-in Hex Quick Change Chuck allows for easy bit changes
Battery fuel gauge displays remaining run-time
Variable speed trigger
18V Cordless M18 High Performance Drill/Driver - 2601-80
Milwaukee 4-pole frameless motor maximizes tool efficiency to increase run-time
1/2-in single-sleeve ratcheting metal chuck with carbide jaws
On-board battery fuel gauge displays remaining run-time
Built-in LED light illuminates work surface
Variable speed trigger

INCLUDES

18V Cordless M18 1/4-in Hex High Performance Impact Driver - 2650-80
18V Cordless M18 High Performace Drill/Driver - 2601-80
(2) Lith-Ion Batteries - 48-11-1815
18V Charger - 48-59-1801
Carrying Bag

WARRANTY

1 Year Limited
For full warranty information, please contact us at800-714-0969
* Warranty valid for US customers only

Tools Deals

eBay Coupons
Has BB load limit changed
Added on : Wednesday March 19th 2014 08:00:09 AM
g: 0 Posted By: njdealguy
Views: 181 Replies: 7 Today was able to load 1k at WalMart that made it 6k loaded for this month in bluebird. It was a mistake as I forgot my balance was already 5k and thought was loading from 4k to 5k.

Anyone aware of monthly load limit being increased?
General Economics Deals
OMG! brand new SONY A7 for $1,238, FS and 4% BH Credit
Added on : Tuesday March 18th 2014 11:00:07 AM
g: 0 Posted By: faradhim
Views: 345 Replies: 4 B&H just increased their trade in credit for A7 or A7r from $300 to $460. Follow this link and you will get a check out price of $1238 for a A7 in the cart! After you receive the camera, you need to send in any beat up only camera (or new) for BH to assess credit which is on top of your final price! WOW! Unbelievable. Deal goes away tomorrow!
Cameras Deals

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

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

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


Tools Deals

Kmart.com Coupons
Amex credit increase offer, hard pull on credit?
Added on : Sunday March 16th 2014 03:00:08 PM
g: 0 Posted By: spydermonkey
Views: 89 Replies: 1 Amex sent me an email offering to increase my credit limit. Does accepting a credit increase cause a hard pull on my credit? I don't see any fine print stating yes or no.
Credit Deals
Save $20 on Amazon Prime - Renew @ existing price - Still live!
Added on : Sunday March 16th 2014 11:00:08 AM
g: 47 Posted By: JetSetter
Views: 8547 Replies: 65 Save $20 on Amazon Prime - beat the new price increase...Here's an easy way to get Amazon price - at the current rate - regardless of when your current one expires - you will get it at the same rate prior to the increase...Current rate is $79 and the new price increased rate is going to be $99 starting tomorrow (3/16)! Do it today....

Link to How-To video

Direct link to purchase Amazon Prime Gift for $79
Services Deals

Amazon Coupons
Free Kindle Book- 4 KEYS GOLF - HOW TO BREAK 90 and other golf
Added on : Sunday March 16th 2014 10:00:10 AM
g: 0 Posted By: remick
Views: 99 Replies: 0 http://www.amazon.com/dp/B00BZ96KX6/

4.1 out of 5 stars (25 customer reviews)

End your frustrations with golf now! A fast, fun, and easy way to break 90.
Focus on 4 important keys that will help you shoot lower scores quickly!
This book goes through the 4 important keys and then gives you countless ways to actually reach the goals of the 4 keys so you give yourself the best chance of breaking 90 every round.

Written by a former competitive golfer who competed against Tiger Woods and Phil Mickelson who has an MBA from The Wharton School and is business and efficiency minded, this is an approximately 110 page book with 32,750 words of great advice to help you break 90 faster than you thought possible.



Pain Free Golf: Solutions for Golfers Over 50
http://www.amazon.com/Pain-Free-Golf-Solutions-Golfers-ebook/dp/...

Golf's Simple Secrets - Increase Your Power
http://www.amazon.com/Golfs-Simple-Secrets-Increase-Power-ebook/...

Reflections on the Game
http://www.amazon.com/Reflections-Game-Thomas-Hauser-ebook/dp/B0...
Books & Magazines Deals
Continuing Education for (Fun and) Profit?
Added on : Sunday March 16th 2014 02:00:05 AM
g: 0 Posted By: Dus10
Views: 0 Replies: 0 While it is not good, I am sure that I am not alone in having student loan debt here on FWF. I am working to pay it down, however, and I have come up with a (likely unoriginal) strategy to reduce my interest payment.

A little background: I attended a private school for undergrad that was paid 50% through tuition reimbursement and then completed graduate studies that was paid for 80% by tuition reimbursement, though I took out some additional loans. All in all, I have about $60k in loans. About 50% of it originated as subsidized loans. Whenever they are set to "in-school deferment" they have subsidized interest, again. I thought that the previous rules for this were for up to 2 years... but my graduate school was just over two years... and that have been completed for over a year now and I am taking a course right now just because I want to... and it is in deferment again.

So, strategy... take a course here and there to get these subsidized loans back in deferment and keep making my payments but stick all of the money in the unsubsidized loans. That is the first item. Now, this course I am taking is out of pocket and not cheap... so it really isn't a good example, but community colleges offer courses that are much cheaper. Alternatively or correspondingly, one could use employer provided tuition reimbursement to pay for the course, then it is free (beyond any "repayment" commitment and time in school). For specific industry certifications, I have to do continuing education anyhow, and this makes that very easy for me.

This got me thinking, though, there are plenty of means for "students" to save money. How could one extrapolate this for maximum savings. So, here is my list so far:

1. In-school deferment of subsidized loans ($~200/month)
2. Amazon Prime Student with Upgrade to Full Prime (now $50/year or ~$4/month)
3. Mobile service discounts (if you don't have an employer discount... many universities have discounts ranging from 15-22%... savings, varies significantly)
4. Gym membership discounts - my local school district has a fitness facility that is open to the public (detached from the schools). Membership is $500/year for non-residents, $200/year for residents, and $80/year for adult students ($30/year for minor students) (savings varies based on what is available for you, $10/month for me).
5. Software discounts (varies) Many schools have discount programs available for students. Also, you may want to check with your employer for "home use" programs. For instance, my employer's home use program with Microsoft allows me to use MS Office for $10 on up to two home computers.
6. Various students discounts at restaurants
7. Special vehicle financing options - We are trading in our Chevy Traverse (at 0%) for a Volkswagen Passat TDI. Volkswagen Group (VW, Audi, Porsche) offers a grad program for that within six months of graduate or two years following graduation best terms financing plus first payment paid on vehicles. We will be getting 0.9%, but the gasoline models would get 0%. ~$500 for the first payment... $130/month (>$1500/year) in fuel savings over the Traverse after accounting for the slightly increased payment. Many automakers have similar programs.
8. Covered continuing education - many licensed professions and various certifications require some form of continuing education. Sometimes there are free options... sometimes they are a pain. Any schooling gets me a CPE per hour of weekly classroom work... for 3 cr hr course gets me 36 hours for the semester. I need 20CPE/year of specific and 40CPE/year overall... this will obviously vary greatly for folks
9. If you are paying out of pocket... you can do the lifetime learning credit on your taxes to "reduce" the expense of the course.
10. Ancestry.com - I think that some universities offer free access to students (mine does)... $20/month... but i would pay for it all of the time anyhow, so not really a savings.

What other options are out there? Things that you normally wouldn't use but the free/discounted rate makes it affordable for you? Things you already use that would become less expensive?
Save $20 on Amazon Prime - Renew @ existing price - Ends today
Added on : Saturday March 15th 2014 01:00:04 PM
g: 2 Posted By: JetSetter
Views: 321 Replies: 3 Save $20 on Amazon Prime - beat the new price increase...Here's an easy way to get Amazon price - at the current rate - regardless of when your current one expires - you will get it at the same rate prior to the increase...Current rate is $79 and the new price increased rate is going to be $99 starting tomorrow (3/16)! Do it today....

Link to How-To video

Direct link to purchase Amazon Prime Gift for $79
Services Deals

Amazon Coupons
Free Shoprunner for 1 year (in response to Amazon Prime increase)
Added on : Thursday March 13th 2014 10:00:12 AM
g: 4 Posted By: nhenny2005
Views: 733 Replies: 9 https://www.shoprunner.com/amazon-prime/

enjoy.


Welcome Prime members. We heard about the recent price increase and wanted to help. Shoprunner is offering a limited timeFREE 1-Year membershipexclusively for Amazon Prime members who have not yet renewed their membership at the higher rate.

Shoprunner offers the same Unlimited Free 2-Day Shipping you love, and much more. Plus, our promise to you: we wont charge you more than $79 when your free membership renews in a year and we wont charge your card automatically.



FREE 1-YearShoprunner membershipSign up and provide proof of your Amazon Prime membership within 24 hours. This limited time offer is valid for Amazon Prime members who have not yet renewed their membership at the higher rate.

How to submit proof of Amazon Prime membership
1. Go towww.amazon.com/gp/primecentral
2. Log in if necessary
3. Click on "View printable receipt"
4. Copy the full receipt.
5. Open a new email addressed toDoneWithPrime@ShopRunner.com6. Paste the receipt into the body of the email and hit send.
Services Deals
Free Shoprunner for one year (in response to Amazon Prime increase)
Added on : Thursday March 13th 2014 09:00:01 AM
g: 0 Posted By: nhenny2005
Views: 57 Replies: 0 https://www.shoprunner.com/amazon-prime/

enjoy.
g: 0 Posted By: iLetTheDogsOut
Views: 187 Replies: 0 Cycle Bike Trainer Indoor Bicycle Exercise Portable Magnetic Work Out $54.99 FS @ valuemassage via eBay

"There is no reason why you can not exercise with your bike when the outside weather is bad, this magnetic resistance bike trainer converts your bike into an indoor cycling trainer. It offer effective indoor training in a stiff, well supported steel frame.This Trainer is easy to set up with almost any bike--including road and mountain bikes with a 26", 27" or 700c wheel. Fine-tune to your wheel and tire size with the micro-adjust knob.

As you pedal the internal magnet creates resistance, with 5 levels of resistance. And you can change them right from your handle bars.
Features:

Fiveinternal resistance settings.
Quiet design, very low noise.
Easy fold for travel and storage.
Heavy duty steel frame.
State of the art magnet system which provides progressive magnetic resistance, the resistance increases as the speed increases.
Assembled Dimensions: 21.4*19.4*15.5"

Sports & Outdoors Deals

eBay Coupons
Free Ebooks 3-13-14
Added on : Thursday March 13th 2014 05:00:14 AM
g: 0 Posted By: jhall1822
Views: 134 Replies: 0 Note: As always check the price of the books before you purchase, they do not stay free forever! I am posting any books rated 4 stars or higher from FreeEbooksToday

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

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

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

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

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

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


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

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

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

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

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

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

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

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

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


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

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

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

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

* Energy enhancement from oxygen rich chlorophyll.
* Blood detox heals the body by eliminating impurities.
* The immune system is strengthened so that chronic diseases linked to cancer and arterial malfunction are mitigated.
* Weight loss is precipitated with juice enzymes.
* Hair, skin, and nails sustain growth, extending their appearance, and controlling them from premature aging.
* Mental acuity in concentration, memory, and precision are improved with juice.
* Increased muscle and joint flexibility.
* Deal with Insomnia and other sleeping disorder with Juicing.
Also, You will Discover:
* How A Cleanse and Detox Program must be Successful: Ultimate Tips?
* Role of Juices to fight back with cancer!!
* How Your Kidney/Liver Function will be to Improved by Juicing?
More than 101″ Delicious Vegetables and Fruits Juicing Recipes for:
* Weight loss and Fasting
* Cleanse and Detox
* Immune Boosting
* Wrinkle Reducing
* Colon Cleanse
* Prevent & Fight for Cancer, Diabetes
* Increases your Kidney Function
* Muscles Soothing and calming
* Memory Boosting
* Your Kids
* Mental Acuity
* And More
Totally Free Deals
Tenant Threatening to Sue Because I Am Going to Increase Their Rent
Added on : Monday March 10th 2014 07:00:16 PM
g: 0 Posted By: Pesare
Views: 155 Replies: 5 I need some advice here. I have a tenant who was on a two year lease and their lease is ending soon. The lease says that they have to give 60 days notice and they have the first right to renew their lease after their current contract is finished which they have already done. For the new contract I was going to increase the rent less than 10% as the rents have gone up in my area. They have threatened to take me to court since I am increasing their rent since they feel that everything including the rent should stay the same in the new contract even though we haven't signed anything and I haven't created it yet. Since this is an unusual situation I was wondering what would you do or has anybody had this situation before. Note that this is a standard increase and I think this guy is overreacting since it is hard for him to move to another place at the price he is paying for my unit, but at the same time he knows a few lawyers and I want to avoid the hassle of going to court.
Question Deals
Free Kindle Book - The Art of Hacking (was $9.95)
Added on : Monday March 10th 2014 09:00:09 AM
g: 3 Posted By: remick
Views: 386 Replies: 0 http://www.amazon.com/Art-Hacking-Can-Akdeniz-ebook/dp/B00IGXEIH...

The world as it exists today is barely recognizable as the same world that existed on hundred, or even fifty, years ago. The last century has seen innovation after innovation reshape and revolutionize almost every aspect of human existence. Far from bringing us to an end point a settled state in which no further innovation is possible the rate of change has increased exponentially in recent decades. It seems that we a set firmly on a path of endless enhancement.

This leads us to ask: where does innovation come from, and how does it happen?

The answer, quite simply, is people. People have ideas. People strive to make their ideas a reality. Through this, people create change.

We call these people hackers. A hack is a small change to the recognized way of doing things, which leads to a large-scale increase in efficiency, success, or achievement. Hackers break the rules and change the game. Hackers are the most important members of our society, of any society, as they hold the power to shape the future.

This book celebrates the lives and achievements of some of historys greatest hackers: from Tim Berners-Lee to Jack Dorsey, from Leonardo da Vinci to Steve Jobs. Learn about who they were and how they functioned. Discover the characteristics that allow hackers to keep pushing forward, innovating, revolutionizing industries and changing the world.
Totally Free Deals
Free Kindle Book - The Art of Hacking (was $9.995)
Added on : Monday March 10th 2014 08:00:13 AM
g: 0 Posted By: remick
Views: 168 Replies: 0 http://www.amazon.com/Art-Hacking-Can-Akdeniz-ebook/dp/B00IGXEIH...

The world as it exists today is barely recognizable as the same world that existed on hundred, or even fifty, years ago. The last century has seen innovation after innovation reshape and revolutionize almost every aspect of human existence. Far from bringing us to an end point a settled state in which no further innovation is possible the rate of change has increased exponentially in recent decades. It seems that we a set firmly on a path of endless enhancement.

This leads us to ask: where does innovation come from, and how does it happen?

The answer, quite simply, is people. People have ideas. People strive to make their ideas a reality. Through this, people create change.

We call these people hackers. A hack is a small change to the recognized way of doing things, which leads to a large-scale increase in efficiency, success, or achievement. Hackers break the rules and change the game. Hackers are the most important members of our society, of any society, as they hold the power to shape the future.

This book celebrates the lives and achievements of some of historys greatest hackers: from Tim Berners-Lee to Jack Dorsey, from Leonardo da Vinci to Steve Jobs. Learn about who they were and how they functioned. Discover the characteristics that allow hackers to keep pushing forward, innovating, revolutionizing industries and changing the world.
Totally Free Deals
when a broker increases the IRA closing fee..
Added on : Saturday March 08th 2014 08:00:09 PM
g: 0 Posted By: gargam3l
Views: 84 Replies: 0 I got notice that the closing fee on an IRA account is increasing. Seems a bit ruthless, considering you're penalized no matter what. E.g., early withdrawal has a tax penalty, while staying with them enables them to increase the closing fee to unreasonable levels. Transferring to another broker and paying the current fee leaves savers paying a penalty before every increase. Usually when transferring over to the brokers who pay the closure costs of the former broker, these same brokers have closing fees of their own.

Is it possible to draw the account down to $1 after retirement, and just let the dollar sit there forever to avoid the closing cost?

Is it generally possible to transfer all but $1?
Personal Finance Deals
g: 0 Posted By: BigReader
Views: 189 Replies: 0 How to Document a Project Plan: What You Need To Know To Design A Project Management Plan Quickly and Easily =16px[Kindle Edition]
Amazon Countdown Deal

U.S. http://www.amazon.com/How-Document-Project-Plan-Management-ebook/dp/B005YV7BTS/ref=sr_1_1?s=digital-text&ie=UTF8&qid=1394306157&sr=1-1&keywords=project+management
U.K. http://www.amazon.co.uk/How-Document-Project-Plan-Management-ebook/dp/B005YV7BTS/ref=sr_1_1?s=digital-text&ie=UTF8&qid=1394306157&sr=1-1&keywords=project+management+B005YV7BTS

Shows you all the forms you need to document your project plan including risks, costs, and communications.

Regular price $9.99 on sale from $0.99

NOTE: This is an Amazon Countdown Deal meaning the price starts at 99 cents and then increasesin steps of $1.00 until the price is $1.00 below the regular price. Deal lasts for 7 days. The publisher can adjust so you need to check the price and the countdown timer. Currently only available on the U.S. and U.K sites.
Books Deals

Amazon Coupons
Fi'zi:k Ardea Mountain Bike Saddle $54.99 performance bike
Added on : Saturday March 08th 2014 09:00:05 AM
g: 0 Posted By: tedhawkins
Views: 140 Replies: 0 Fi'zi:k Ardea Mountain Bike Saddle $54.99 performance bike

http://www.performancebike.com/webapp/wcs/stores/servlet/Product...

Fi'zi:k Ardea Mountain Bike Saddle - Closeout!

Perfect for casual riders or those new to road cycling, the Fi'zi:k Ardea Versus Saddle combines Fi'zi:k's top technologies with strategic padding to increase comfort without sacrificing performance. Chameleon design has increased width and curvature for riders with medium flexibility. Low density foam reduces stress on sensitive areas and offers plenty of support at the sit bones. Wing Flex shell flexes where the inner thigh contacts the saddle to enhance pedaling efficiency. Breathable Microtex cover puts you in an ideal cycling position while the Thigh Glides guide you into a pedaling form that's easier and more comfortable. Manganese rails are the perfect combination of strength and flex.
For the Chameleon: Medium Spine
Nylon Carbon reinforced base is light, stiff and uses a 270 carbon structure between the shell and cover for additional protection
Wing Flex shell flexes downward in the critical area where inner thighs contact the saddle, allowing for a more efficient, full-range movement while pedaling
Thigh Glides allow the thighs to slide easily over the saddle
Microtex cover is durable, water-resistant and enhances grip, even when wet
Low density padding reduces pressure on sensitive areas
Manganese rails flex just enough for added comfort
Integrated Clip System at the base allows quick attachment and removal of I.C.C. accessories, such as the Fi'zi:k Saddle Pa:k and Blin:k light (not included)
Bicycle Deals

Performance Bicycle Coupons
Home Owner's Insurance Options
Added on : Saturday March 08th 2014 03:00:08 AM
g: 0 Posted By: jimates
Views: 81 Replies: 0 My sister talked me into this deal.She took out a bridge loan to buy a second house in another community. I am buying her old house in a rent to own agreement.
Her insurance company said changing the status of the property to rental would increase the insurance rate from <$400 to >$800. Reducing the coverage by >50% would only save $182 a year so not a good option. I could get my own insurance but that would not satisfy her loan requirements.

Any viable options out there for insurance coverage at great rates.

State of PA
Changed from Allstate to Erie for super savings after Katrina (all major carriers had significant increases).
House appraised at $77k
Insurance coverage of $175k (replacement costs)
Reducing to $80k would only save $182 a year
Real Estate Deals
g: 0 Posted By: drobis
Views: 221 Replies: 0 http://moofi.woot.com/offers/drinkwell-indoor-outdoor-dog-founta... Gallon (450 oz.) Water CapacityDual-filtration with Charcoal and Foam Filter IncludedTwo 1-Gallon Reservoirs increase capacity and make refills easyDeep bowl with high walls to help control splashing and spills
Pets Deals

woot! Coupons
g: 0 Posted By: tedhawkins
Views: 160 Replies: 0 Guns - "Assure" Stainless Steel 12 Gauge Magazine Follower by TANDEMKROSS $14.99 + $3.99 Flat shipping

http://www.gearhog.com/

Replaces the cheap and fragile factory plastic follower
Built to eliminate dirt and debris
Less surface area and less drag for increased reliability
Made in the USA out of stainless steel

These truly are the ultimate 12 gauge shotgun magazine followers! Machined from stainless steel to exact tolerances, they are built to last a lifetime. Unlike the original plastic followers, these will never break under spring pressure or degrade when cleaning solvents are used. With the TANDEMKROSS "Assure" stainless steel magazine followers, it becomes easier to visually see and feel when the tube is empty. The hole in the middle helps minimize debris buildup such as sand or shell fragments. Whether you are a law enforcement officer, a skeet shooter, or a parent protecting your home and family; magazine feeding reliability is what you depend on. Don't settle for anything less and order today!

Supported Model List -
Remington 870 12ga
Mossberg 500 12ga
Remington 1100 12ga
Mossberg 590/590A1 12ga
Remington 11-87 12ga
Mossberg 930 12ga
Winchester Model 1200 12ga
Ithaca Model 37 12ga
KelTec KSG
Winchester Model 1300
*Will also work with most 12 gauge shotguns with a magazine tube
Guns & Ammo Deals
Free Ebooks 3-5-14
Added on : Wednesday March 05th 2014 07:00:10 AM
g: 0 Posted By: jhall1822
Views: 46 Replies: 1 Note: I only posted the books from FreeEbooksToday.com that have a rating of 4 or more, there are others if you are interested. Please make sure the books are still free on Amazon before purchasing!


Introducing Windows 8.1 For IT Professionals
Rating - 4.3 (20 reviews)Get a head start evaluating Windows 8.1 - with early technical insights from award-winning journalist and Windows expert Ed Bott. Based on the Windows 8.1 Preview release, this guide introduces new features and capabilities, with scenario-based advice on how Windows 8.1 can meet the needs of your business. Get the high-level overview you need to begin preparing your deployment now.
Preview new features and enhancements, including:How features compare to Windows 7 and Windows XPThe Windows 8.1 user experienceDeploymentSecurity featuresInternet Explorer 11Delivering Windows appsRecovery optionsNetworking and remote accessManaging mobile devicesVirtualizationWindows RT 8.1

50 Popular Types of Herb (The Herb Books)
Rating - 4 (4 reviews)~On the following pages you will find all the well-known culinary herbs together with many that have familiar names but which are not so widely used today. The herbs have been chosen for their flavouring and seasoning properties, as well as their special therapeutic qualities. These are the herbs which have the greatest variety of uses, and while it is not intended that all the herbs should be grown in the garden, the list offers a worthwhile selection from which to make your choice. The majority of the herbs are familiar as culinary herbs but many are also good medicinal or cosmetic plants.When you are considering which herbs to grow in your garden, you must first decide the purpose for which they are to be grown. Is it your intention to use herbs only in cooking? Would you prefer to grow a bed of medicinal herbs to make natural remedies and herbal teas? Perhaps you wish to grow the cosmetic herbs which are so fragrant and colourful.All the plants described in this section are comparatively easy to grow, and once established in their plot, need little attention. If you cannot grow them from seed, you will find the majority are obtainable at your local garden centre or herb nursery. A few such as elder, yarrow and marshmallow, can easily be found growing in the wild - so the seed can be collected from the plants in the appropriate season.To preserve the plants in the countryside from extinction, it is important that you only gather the seeds. It is also essential to correctly identify the plant before collecting any seeds from a herb growing in the wild. Although most herbs do run true to form, some plants cross fertilize with the result that scents and flavours become mixed. If you are in doubt about the appearance of a particular herb, try to see it growing by visiting herb gardens and nursery centres. This will often give you a better idea of how to fit a particular herb into your own garden arrangement.When planning your garden, list all the herbs you would like to grow, making a note of their heights and how you wish to use them. In this way you will find you have a good selection of herbs and a clear idea of how they can be used to their best advantage. By tradition, many herbs have a specific use, but with the emphasis today largely on the culinary herbs, most of the alternative uses remain untried. There are a great many herbs which can be used in cosmetics, and with the rising cost of these preparations in the shops, it is well worth making your own.

Jumpstart!: Your Way to Healthy Living With the Miracle of Superfoods, New Weight-Loss Discoveries, Antiaging Techniques & More
Rating - 4.3 (15 reviews)

A step-by-step plan to supercharge every area of your health Everybody wants to look and feel their best. Jumpstart! takes a multipronged approach to heath and wellness that provides impressive results quickly. Emphasizing the connection between mind, body and spirit, the author shows you how to:

Reset your weight to its optimal level
Reprogram your mind for success
Tap into the most powerful power source

When you start to drop the excess pounds and cleanse your body of stress and toxins, your body will begin to function at its optimal level, revving up your metabolism and immune system. Jumpstart! your health and get excited about the new life that is just around the corner!

The Juice Lady's Remedies for Stress and Adrenal Fatigue: Juices, Smoothies, and Living Foods Recipes for Your Ultimate Health
Rating - 4.3 (7 reviews)

~Dont let stress ruin your health.
Fight back with these all-natural juice remedies.
You dont have to suffer with the effects of stress and exhaustion. By simply adding more raw food to your diet, you increase your intake of essential nutrients and decrease the harmful effects of stress and adrenal fatigue on your body.

With recipes and recommendations for healing teas, juices, and smoothies, this quick-reference guide helps you naturally repair, rejuvenate, and reclaim your health. You also get valuable tips on stopping stress and adrenal fatigue at the source, including:

The connection between chronic stress and adrenal fatigue
Practical ways to lower your stress levels
Nine common symptoms of adrenal fatigue
Seven steps you can take to combat stress eating, and more!

Breaking Out Of A Broken System
Rating - 4.9 (88 reviews)~Has your life turned out exactly as planned?When you were younger did you have dreams of being a rockstar?
...a fireman?
...a doctor?Who did you want to be before the world told you who you should be?

When we're born, we enter a world full of systems, most of which are out of our control. There are tons of unwritten rules and social pressures we feel forced to follow.We're pressured to:
- study hard and get good grades
- get accepted and attend college
- graduate and find a secure job
- get married and start a family

We're trained not to stray too far from the path.If we follow this recommended path, why do we still feel that we're missing something?In Breaking Out of a Broken System, Seth & Chandler Bolt give you the tools to re-draw the lines, chart new roads, and expand the borders around your life.

Each of the brothers writes a totally different perspective on the 15 most important life lessons taught by their parents. These are things they thought everyone learned growing up, but they realized otherwise after going out into the "real world".

As you read, you'll have the option to read two completely different perspectives on each life lesson.You can start with the artistic account written by Seth, bass player for the southern rock band NEEDTOBREATHE.Or...Dive into Chandler's entrepreneurial story told from the perspective of the younger brother.There are two major benefits that will manifest from reading these intriguing tales. First, your life will gain a fresh new outlook on how blazing new trails can be the perfect addition to your own path.
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g: 24 Posted By: remick
Views: 2408 Replies: 14 http://www.amazon.com/gp/product/B00G8O5CC8/

4.3 out of 5 stars (7 customer reviews)

Dont let stress ruin your health.
Fight back with these all-natural juice remedies.
You dont have to suffer with the effects of stress and exhaustion. By simply adding more raw food to your diet, you increase your intake of essential nutrients and decrease the harmful effects of stress and adrenal fatigue on your body.

With recipes and recommendations for healing teas, juices, and smoothies, this quick-reference guide helps you naturally repair, rejuvenate, and reclaim your health. You also get valuable tips on stopping stress and adrenal fatigue at the source, including:

The connection between chronic stress and adrenal fatigue
Practical ways to lower your stress levels
Nine common symptoms of adrenal fatigue
Seven steps you can take to combat stress eating, and more!


Also free

Smoothies: the most delicious recipes for weight loss Vol. IV: (smoothie recipe book,smoothie recipes,smoothie recipes for weight loss,green smoothie recipes,): Vol IV.
http://www.amazon.com/Smoothies-delicious-recipes-weight-smoothi...

40 Juicing Recipes For Weight Loss and Healthy Living
http://www.amazon.com/Juicing-Recipes-Weight-Healthy-Living-eboo...

Breville Health Full Life: Juice Recipes for the Juice Fountain Plus
http://www.amazon.com/Breville-Health-Full-Life-Fountain%C2%AE-e...

Smoothie Recipes for Weight Loss - 30 Delicious Detox, Cleanse and Green Smoothie Diet Book
http://www.amazon.com/Smoothie-Recipes-Weight-Loss-Delicious-ebo...

Green Smoothie Recipes For Weight Loss and Detox Book
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New on 3/5

Juicing for Beginners: Complete Juicing Start Up Guide and Nutrition Book with 100+ Juicing Recipes for Health, Weight Loss, Energy, Detox and More
http://www.amazon.com/Juicing-Beginners-Complete-Nutrition-Recip...
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Amazon Coupons
Paid via "rent allowance" - any downsides?
Added on : Tuesday March 04th 2014 05:00:09 PM
g: 0 Posted By: pillsdoughboy1
Views: 83 Replies: 6 I am moving to a high COLA on my own will. In order to do this without needing to increase my pay my employer is willing to reduce my salary and pay my rent directly, $1500 or more,in the new location.

Besides reporting less income on a W2 can anyone share other downsides to this plan?

TIA
Real Estate Deals
oneida.com $11.99 Anchor Hocking 6pk Assorted Color Shot Glasses
Added on : Tuesday March 04th 2014 05:00:04 PM
g: 0 Posted By: DaysFan
Views: 157 Replies: 1 linked
http://www.oneida.com/


Anchor Hocking 6pk Assorted Color Shot GlassesItem # 80907L8 Fun for entertaining these glasses have clear bodies and brightly colored bottoms that add a special flair to your presentation and make it easier to tell who each glass belongs to. Set Includes (6) 1.5oz Shot Glasses in fun colors Dishwasher safe Made in the USA - See more at: http://www.oneida.com/dining/drinkware/barware-pilsner/anchor-hocking-6pk-assorted-color-shot-glasses.html#sthash.qVrL6fbw.dpuf$24.00 $11.99 - See more at: http://www.oneida.com/dining/drinkware/barware-pilsner/anchor-hocking-6pk-assorted-color-shot-glasses.html#sthash.qVrL6fbw.dpuf linked
Anchor Hocking Beer Wagon Mug, 20 oz.
Item # 93001 - See more at: http://www.oneida.com/dining/drinkware/barware-pilsner/anchor-hocking-beer-wagon-mug-20-oz.html#sthash.YaZWOPPj.dpuf

8.00 $3.99 A staple item for any bar is the beer mug! Our 20 ounce mug holds your favorite brew with ample space for a good head of foam. This durable mug is designed for rough handling, and the easy-to-grip handle makes it a favorite amongst beer drinkers all ove - See more at: http://www.oneida.com/dining/drinkware/barware-pilsner/anchor-hocking-beer-wagon-mug-20-oz.html#sthash.YaZWOPPj.dpuf
Beer Classics Tall Pilsner, Set of 6, 12.8oz
Item # A4991050K - See more at: http://www.oneida.com/dining/drinkware/barware-pilsner/beer-class-tall-pilsner-set-of-6-12-8oz.html#sthash.zqP839u4.dpuf

$48.00 sale $14.99

These Beer Classics Tall Pilsner Glasses feature an 12.8 ounce capacity and a tall, classic design in lead-free crystal. Designed for serving pilsners, or other light-colored beers, these glasses have thin, laser-cut and polished rims to maximize your drinking pleasure. The Beer Classics tall pilsner glasses come packed as a set of 6. Tall Pilsner Glasses made in Germany Lead-free Crystal. Dishwasher Safe. Unique platinum finishing process increases durability and adds a brilliant shine. Measures: 6.9 x 3.2 x 7.4 inches - See more at: http://www.oneida.com/dining/drinkware/barware-pilsner/beer-class-tall-pilsner-set-of-6-12-8oz.html#sthash.zqP839u4.dpuf


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Oneida Coupons
g: 0 Posted By: remick
Views: 1 Replies: 0 Holy Fire: A Balanced, Biblical Look at the Holy Spirit's Work in Our Lives (was $15.99)
http://www.amazon.com/Holy-Fire-Balanced-Biblical-Spirits-ebook/...

4.9 out of 5 stars See all reviews (32 customer reviews)

The Holy Spirit...
Greater than your theology, bigger than denominations, beyond all we can imagine, God's gift to the church and to you
Debate about the Holy Spirit has been around for a long time. In Holy Fire, best-selling author and respected theologian R. T. Kendall sets the record straight about the Holy Spirits role in our lives and in the life of the church.
If you want to increase your knowledge of this most misunderstood member of the Trinity, or if you long to experience His presence in your life in a deeper way than ever before, this book is for you.
Are you charismatic? He is bigger than your signs-and-wonders events. Are you Reformed? He will not be limited by your theology. As Jesus said of the Holy Spirit, He blows where He will.


Named by God: Overcoming Your Past, Transforming Your Present, Embracing Your Future(was $15.99)
http://www.amazon.com/Named-God-Overcoming-Transforming-Embracin...

4.6 out of 5 stars (101 customer reviews)

In many ways, Kasey Van Norman has suffered more heartbreak than one woman can bear. Growing up, she endured her parents divorce, date rape, and years of addiction to sex, cutting, and eating disorders. As an adult, Kasey has endured a painful miscarriage; the heartbreak (and restoration) of infidelity; a cancer diagnosis; rejection by her friends, church, and community; and her mothers death from cancer. But at the end of this twisting path of sorrow, Kasey walked out of the wilderness and into a place of Gods merciful and miraculous healing and redemption. In Named by God, Kasey shares her story of Gods infinite grace and compassion so that others might learn from her experience as they encounter a depth of Jesus like never before!


Heaven and the Afterlife (was $13.99)
http://www.amazon.com/Heaven-Afterlife-Keith-Wall-ebook/dp/B002U...

4.5 out of 5 stars (88 customer reviews)

What should you believe?
You've heard stories of near-death experiences. Your grandmother longs to "be with Jesus." A friend is sure angels intervened to prevent a tragic accident. A woman at work wonders if her house is haunted. The Bible includes accounts of people raised from the dead.
Exploring these and similar topics, Heaven and the Afterlife helps you sort out what is fiction and what is fact in everything you hear about the afterlife. If you're looking for a candid, trustworthy examination of the world beyond this life, bestselling author Jim Garlow provides honest answers based on years of biblical study and firsthand experience as a teacher and pastor.
The afterlife is real, but not everything you hear about it is. Get the answers you need to decide for yourself.


Fresh Air: Trading Stale Spiritual Obligation for a Life-Altering, Energizing, Experience-It-Everyday Relationship with God (was $15.99)
http://www.amazon.com/Fresh-Air-Life-Altering-Experience---Every...

4.8 out of 5 stars (84 customer reviews)

A breath of fresh air is about to sweep into your life. This powerful DVD curriculum, based on the debut book from pastor Chris Hodges, will revive your spirit and show you how to be fueled by God like never before. Youll not only be refreshed in spirit yourself; youll discover how to create a life-giving environment of freedom and joyful purpose around you, and experience what it means to live an I get to, not an Ive got to, kind of life every day.
Craig Groeschel said, I believe God wants to use Chriss life, his story, and his wisdom to help you fall more in love with God than you ever have before. . . . Chris lives what he teaches. And he will help you exchange an increasingly stress-filled life for a God-honoring, world-changing, Spirit-filled life.


Hyper-Grace: Exposing the Dangers of the Modern Grace Message (was $15.99)
http://www.amazon.com/Hyper-Grace-Exposing-Dangers-Modern-Messag...

4.5 out of 5 stars (51 customer reviews)

The great deception of the 21st century
At a time when the church needs an urgent wake-up call and a fresh encounter with Jesus, the hyper-grace message is lulling many to sleep. Claiming to be a new revelation of grace, this teaching is gaining in popularity, but is it true? Or is the glorious truth of grace being polluted by errors, leading to backsliding, compromise, and even the abandonment of faith?
Hyper-Grace looks at the major teachings put forth by many adherents of this grace reformation and prayerfully compares those teachings with the Word of God, answering questions such as:
How do our sins affect our relationship with God?
What is the relevance of the Old Testament to our faith?
What does Jesus actually have to say about grace?
Without watering down the Bibles true message of grace, Michael Brown gives you the facts, demonstrating the dangers of this seductive message and showing you how to keep from being taken in.


Spiritual Intervention: Powerful Insights for Breakthrough Prayers (was $9.99)
http://www.amazon.com/Spiritual-Intervention-Powerful-Insights-B...

5.0 out of 5 stars (27 customer reviews)

Tap into the tremendous power of prayer
When trouble happenswhether in the world or in our personal liveswe want to be able to help and to know we are making a positive difference. In her role as television producer of A Time of Intercession, Kimberly Ray has received thousands of prayer requests and has seen them answered time after time.
In Spiritual Intervention she shows you how to launch a successful prayer intercessionespecially during trouble or crisis


Commanding Your Morning Daily Devotional: Unleash God's Power in Your LifeEvery Day of the Year (was $15.99)
http://www.amazon.com/Commanding-Your-Morning-Daily-Devotional-e...

4.6 out of 5 stars (11 customer reviews)

Best-selling author Cindy Trimms new release will empower people to walk in the fullness of what God wants for them by helping them take charge of their day.
In Commanding Your Morning Cindy Trimm helps readers achieve victory over their circumstances through spoken declarations that activate Gods power. The Commanding Your Morning Daily Devotional makes that message even more practical by giving them daily teaching, scriptures, and declarations that will empower them to start every day off right.
Cindy writes in Commanding Your Morning that what begins with God has to end right. Anyone wanting a successful day will benefit from this practical devotional.


g: 5 Posted By: remick
Views: 733 Replies: 4 http://www.amazon.com/gp/product/B00G8O5CC8/

4.3 out of 5 stars (7 customer reviews)

Dont let stress ruin your health.
Fight back with these all-natural juice remedies.
You dont have to suffer with the effects of stress and exhaustion. By simply adding more raw food to your diet, you increase your intake of essential nutrients and decrease the harmful effects of stress and adrenal fatigue on your body.

With recipes and recommendations for healing teas, juices, and smoothies, this quick-reference guide helps you naturally repair, rejuvenate, and reclaim your health. You also get valuable tips on stopping stress and adrenal fatigue at the source, including:

The connection between chronic stress and adrenal fatigue
Practical ways to lower your stress levels
Nine common symptoms of adrenal fatigue
Seven steps you can take to combat stress eating, and more!


Also free

Smoothies: the most delicious recipes for weight loss Vol. IV: (smoothie recipe book,smoothie recipes,smoothie recipes for weight loss,green smoothie recipes,): Vol IV.
http://www.amazon.com/Smoothies-delicious-recipes-weight-smoothi...

40 Juicing Recipes For Weight Loss and Healthy Living
http://www.amazon.com/Juicing-Recipes-Weight-Healthy-Living-eboo...

Breville Health Full Life: Juice Recipes for the Juice Fountain Plus
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Smoothie Recipes for Weight Loss - 30 Delicious Detox, Cleanse and Green Smoothie Diet Book
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Green Smoothie Recipes For Weight Loss and Detox Book
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Books Deals

Amazon Coupons
g: 1 Posted By: remick
Views: 232 Replies: 1 http://www.amazon.com/gp/product/B00G8O5CC8/

4.3 out of 5 stars (7 customer reviews)

Dont let stress ruin your health.
Fight back with these all-natural juice remedies.
You dont have to suffer with the effects of stress and exhaustion. By simply adding more raw food to your diet, you increase your intake of essential nutrients and decrease the harmful effects of stress and adrenal fatigue on your body.

With recipes and recommendations for healing teas, juices, and smoothies, this quick-reference guide helps you naturally repair, rejuvenate, and reclaim your health. You also get valuable tips on stopping stress and adrenal fatigue at the source, including:

The connection between chronic stress and adrenal fatigue
Practical ways to lower your stress levels
Nine common symptoms of adrenal fatigue
Seven steps you can take to combat stress eating, and more!


Also free

Smoothies: the most delicious recipes for weight loss Vol. IV: (smoothie recipe book,smoothie recipes,smoothie recipes for weight loss,green smoothie recipes,): Vol IV.
http://www.amazon.com/Smoothies-delicious-recipes-weight-smoothi...
Books Deals

Amazon Coupons
g: 0 Posted By: idfubar
Views: 204 Replies: 0 RingPlus (Sprint MVNO) has announced another "free" (ad-supported) plan which will be available on 3/6 @ 10AM PST to Los Angeles County, San Francisco, and Silicon Valley and will be available as long as supplies last:

200 domestic minutes
200 domestic & international SMS
200 MB of data

Note that the fine print/terms & conditions of the plan are subject to change (increased allocation of resources and/or changes to terms and conditions); also, a similar plan with the same name will be available for $19 (unlimited voice, unlimited SMS, & 750MB of data).

Fine print/terms & conditions are at:http://discourse.ringplus.net/t/2014-free-plan-rules-of-the-road-updated-2-7/824

PS: The thread for the "2014 Free" plan is posted at:

http://www.fullofdeals.com/forums/expired-deals/1337243/

PPS: Another free plan ("Metro 51") for metropolitan New York was announced... but someone else can post that if they're local and interested...
Services Deals
g: 0 Posted By: bping2
Views: 335 Replies: 1 IK Multimedia is having an challenge, buy one software or hardware, get free software.
Buy any qualifying AmpliTube software or hardware product and get AmpliTube software products of equal or lesser value free. Participants have the chance to set a new world record and (maybe) get a whopping six products for the price of one!

Validhardware:
iRig BlueBoard ($99)
iRig PRO ($149) or
iRig HD ($99)

Valid software titles:
AmpliTube 3 (199 msrp)
Fender (149 msrp)
Ampeg
Orange
Hendrix
Slash
*** all of them priced at$99 right now

Details here:http://www.ikmultimedia.com/atgb/

They want to get as many registered users before March 9, 2014.

Started with a buy one, get one free. With current registered users we are up to 3 free software titles.
I'm happy with AT3, Ampeg and Fender titles, but wouldn't mind getting a fourth one.

I went with the iRig PRO, currently on sale for $100 at GuitarCenter.
You can use a mic and record acoustic guitar as well.
check out YouTube video here.

HOW TO JOIN THIS GROUP BUY?
From February 13th to March 9th, simply purchase and register any of the qualifying products from our online store,Custom Shop or from our network of selected resellersand get your choice of 3 of the AmpliTube software titles. The group buy counter will increase each time a new qualifying product is registered, and for every 250 new registrations received, you will get an AmpliTube software instrument for FREE.
Electronics Deals
Would you take this job offer?
Added on : Monday March 03rd 2014 03:00:10 PM
g: 0 Posted By: t0pher
Views: 261 Replies: 9 Disclosure: I don't have an offer yet but I want to get some feedback in the event that I do get one this week.

Current Job

Senior Financial Analyst for a manufacturing company. I work in a good group and overall the stress level is pretty low. There are certainly some hectic times but those are few and far between.
$80k/year, no bonus, 45 hours/week 90% of the year (55+ hours the other 10%), 30 min commute in morning, 1 hour commute going home
Great relationship w/boss and as far as I can tell, he's grooming me to take over his old managerial position since he got promoted about a year ago. I don't know how long it will take to get the manager job, but I'm pretty sure that he wants me there. The company never hired someone to fill his old position. The group is smart and I like the work.

New Job

$85k base salary + $5k bonus for another Senior Financial Analyst position. I am estimating #'s here based on the feedback I've gotten from the recruiter.
New boss seems pretty good too. But I find that you never really know until you work for the company.
Hours will increase. 50+ hours per week. There will be some late nights and weekends.
30 min commute in morning, 45 min commute going home - not much of an improvement.
Growth prospects are worse - I'd be the junior man on the team and I guess I'd have to prove myself for several years before any consideration for a manager position, and even then, it may not happen.


The main reasons I want a new job are to increase my salary and decrease my commute. But the new job would be offset with more hours despite a higher salary. I've interviewed for many positions and the salary range for my position seems to be around $75k - $95k in my market. My current company treats employees well - lots of catered lunches, nice events like boat cruise for a night, baseball game, Cirque du Soleil, etc. I also get to take training if I want and get to go on a fun business trip once a year. When I first started 3 years ago, the company gave me $5k raise just 6 months into the job. They also promoted me at the 2 year mark with a raise. In total I've received $15k of raises in 3 years at my current job. I know most companies don't do this and I'd probably be going to a job where 2%-3% increases are the norm.

I've never used an offer to negotiate a higher salary at a current job. I'm willing to try it but I don't want to have my boss thinking that I'm a flight risk if I end up staying. I'm thinking if I get an offer I will present it to my boss in the most non-threatening way possible. What do you guys think?
Personal Finance Deals
Free app for android - Venice Mystery Puzzle (mahjong puzzle game)
Added on : Monday March 03rd 2014 12:00:03 AM
g: 0 Posted By: remick
Views: 68 Replies: 0 http://www.amazon.com/gp/product/B00AEC8UVU

4.6 out of 5 stars (104 customer reviews)

+++ GAME FEATURES +++
Now over 400 levels waiting for you
QuickPlay mode lets you play single selected levels.
More than 70 magic puzzle levels in Classic Theme
50 additional Levels in the Hidden Palazzo Theme
52 additional Levels in the Murano Island Theme
52 additional Levels in the Murano Island II Theme
52 additional Levels in the Pirates Tomb Theme
50 additional Levels in the Burano Island Theme
Full Game Circle support with lots of Achievements and Leaderboards
Uncover hidden passages to play new levels
Play hidden object mini games and bonus levels
Collect rewards and coins.
Reveal and use different special power-ups.
Play combos and collect coins to increase your score.
Buy power-ups with your collected coins.
Play fast to increase your score multiplier.
Fantastic colorful artwork.
Beautiful music soundtrack.
Play in four different difficulty levels.
Hidden strategies to gather a higher score.

+++ Pair up and match colorful tiles to clear over 400 levels and solve an ancient mystery. Gather special power-ups that will help you on your travel through the city of Venice, one of Italy's most interesting cities. Can you find the thirteen lost paintings from the past that hide a well hidden secret and repair the old machine to save the historical city from its nemesis? Get an extra bonus by destroying as many tiles as possible in one rush and collect coins to buy extras. Use joker and other special power-ups, unlock certain hidden areas on the play field by unlocking pyramid cover stones and find all hidden keys on the play field to finish your round.
Totally Free Deals
Looking for Advice on Affordability of Home Purchase
Added on : Sunday March 02nd 2014 09:00:07 AM
g: 0 Posted By: BillRHIT
Views: 182 Replies: 7 Hi all, I have run a lot of numbers and am on the verge of making an offer on a home. I believe we can comfortably afford it, but would like to hear others opinions and see if I have missed anything. I acknowledge that we don't "need" this fancy/large of a house, but I would prefer to buy our "dream home" now as opposed to buying an intermediary home and in 5-10 years moving up. We live in the midwest (not Chicago), so housing is cheap here.

My wife and I make a combined $250K. ($200 for me, $50 for her). My job is as stable as I could hope for. My income could fluctuate year to year, but should generally increase over time. I'm a new partner in a well established mid size law firm.

We currently live in a $140K home and owe about $80K on it. In addition to that $50-60K equity, we have $450K in liquid funds and $300K in retirement savings. Both of our cars are worth about 25K each and are paid off, and we have no debt other than the mortgage. We currently have a two year old son, and hope to have one more child in the near future. Our current home is too small for a second child. We spend $1000 a month on child care and will send our kids to the local public schools, which are very good.

Home would be 600K, maximum. Property taxes are roughly 5.5K annually with $500/yr HOA fees. With a 200K down payment and a 4.125% 30 year mortgage for the rest I figure the payment (all in) would be $2500/month.

Our net income is about $160,000. This accounts for taxes, health insurance, HSA contributions, and maxing out retirement savings. Obviously this would go up if we were to take on the larger mortgage.

Based on this, the mortgage described above would be ~19% of our take home pay. We would still have 300K in savings (provided our current home sells quickly, which we expect based on it being in great shape and the cheapest home in a desirable neighborhood/school district). I expect to spend about 20K furnishing the new home in the next few months.

Am I missing anything? Thanks in advance for your thoughts. I know many may think this is too much house, and I hear that, but you could spend it in worse ways, right?
Personal Finance Deals
g: 0 Posted By: remick
Views: 366 Replies: 2 https://itunes.apple.com/us/app/pzizz-sleep/id341324632?mt=8

A NEW KIND OF INSOMNIA TREATMENT
Pzizz is a powerful new kind of insomnia treatment thats perfect for you if you have the kind of sleep problems where you cant switch off when in bed. Youll find pzizz gently eases you into restful sleep.
Pzizz is non-addictive there are no drugs. And because its possibly the most effective sleep treatment available it gives you back your sleeping and waking hours like no other remedy!


https://itunes.apple.com/us/app/pzizz-energizer/id326427471?mt=8

INCREASE ENERGY AND PERFORMANCE
In as little as 15-20 minutes, pzizz can help you control your day. It clears your brain, improves focus, lowers stress and lets you get on with your work by helping you take a short performance break.

FEATURES
Inspiring words, enchanting music, delightful sound effects and binaural beat.
Structured random algorithm creates a different soundtrack EVERY TIME you use it (over 100 billion combinations)
Fully time adjustable from 10 minutes - 10 hours, 45 minutes
Adjust individual voice and music volumes to suit you while you listen
Turn the voice on or off, - or just have it at the beginning
Select different sound effects for the voice (regular stereo or 3D)

Computers & Software Deals
g: 0 Posted By: remick
Views: 70 Replies: 0 https://itunes.apple.com/us/app/pzizz-sleep/id341324632?mt=8

A NEW KIND OF INSOMNIA TREATMENT
Pzizz is a powerful new kind of insomnia treatment thats perfect for you if you have the kind of sleep problems where you cant switch off when in bed. Youll find pzizz gently eases you into restful sleep.
Pzizz is non-addictive there are no drugs. And because its possibly the most effective sleep treatment available it gives you back your sleeping and waking hours like no other remedy!


https://itunes.apple.com/us/app/pzizz-energizer/id326427471?mt=8

INCREASE ENERGY AND PERFORMANCE
In as little as 15-20 minutes, pzizz can help you control your day. It clears your brain, improves focus, lowers stress and lets you get on with your work by helping you take a short performance break.

FEATURES
Inspiring words, enchanting music, delightful sound effects and binaural beat.
Structured random algorithm creates a different soundtrack EVERY TIME you use it (over 100 billion combinations)
Fully time adjustable from 10 minutes - 10 hours, 45 minutes
Adjust individual voice and music volumes to suit you while you listen
Turn the voice on or off, - or just have it at the beginning
Select different sound effects for the voice (regular stereo or 3D)

Computers & Software Deals
g: 0 Posted By: CaliforniaDriver
Views: 24 Replies: 2 So first of all im debt free. I understand doing this will negatively impact my credit score as my utilization ratio will increase making my score go down. If I were to do a bunch of balance transfers across most of my credit cards, can the credit card companies see that I am doing it with other credit card companies and pose a risk factor? From my understanding, they cant pull my credit and freak out but then again, maybe they still do. My biggest concern is that if they feel that I am going to be a risk factor, it would result in decreasing my credit lines which then would really hurt me on my credit score. I plan on borrowing this money short term and plan on paying it back in full.
Credit Deals
ASICS 2-N-1 Jacket - Men's - $53.83 at REI
Added on : Thursday February 27th 2014 09:00:05 AM
g: 0 Posted By: Ayla
Views: 143 Replies: 0 .ASICS 2-N-1 Jacket - Men's - $53.83 at REI



http://www.rei.com/product/855781/asics-2-n-1-jacket-mens;jsessi...


Sale: $53.83


Regular: $110.00*


FREE pick up at store

Standard Shipping is $5.99

Over $50 order, shipping is free



Built for runs in chilly or slightly breezy weather, the men's ASICS 2-N-1 jacket goes from full coverage to a vest faster than you can say, detachable sleeves and mesh vents for breathability.

Lightweight fabric with a Durable Water Repellent? finish fends off light moisture, rear mesh vents enhance breathability
Detachable sleeves; back stash zip pocket; reflective details for increased visibility; media pockets and earphone cord loop; cord-lock hem system
The semifitted men's ASICS 2-N-1 jacket offers a comfortable fit that moves with you


Clothing Deals

REI Coupons
Avianca LifeMiles Visa (US Bank) 40k Sign Up - 12.5K one way USA to Asia
Added on : Wednesday February 26th 2014 03:00:05 PM
g: 2 Posted By: helloimalbert
Views: 299 Replies: 2 As posted on TheRewardBoss.com and View from the Wing, US Bank has increased the standard sign up bonus from 20k to 40k. The beauty behind this sign up is that one can book one way awards from US to Japan or Taiwan with 12.5k LifeMiles in Coach or 25k in business class. The trick is that Guam is considered part of the USA (per Avianca), therefore, if you book something like NYC-NRT-GUM, you can intentionally miss the NRT-GUM leg and stay in Tokyo as a jump-off point to explore the rest of Asia.

Application Link:http://www.lifemilesvisa.com/credit/offer.do?
*Non-commissioned link as far as I am aware. Mods if this is not the case, please replace the link.

Details of the offer:
Apply today and receive20,000 Bonus LifeMiles1with your first purchase and also receive anadditional 20,000 Bonus LifeMiles2when you spend $3,000 with your card within the first 120 days of account opening.LifeMiles Visa Signature Cardmembers also receive:

Double miles on Avianca purchases3
1 LifeMile per $1 spent in net purchases everywhere else Visa cards are accepted4
No preset spending limit5
6,000 Annual Renewal Bonus LifeMiles6
Excess Baggage Redemption Discount7
$0 Introductory Annual Feethe First Year,thereafter $75

Offer expires April 30, 2014 so apply for your card today!This promotion is valid only for members that get the LifeMiles Visa Signature Card. We will first consider you for the LifeMiles Visa Signature card but if you do not qualify you can still earn LifeMiles! Youll automatically be considered for the LifeMiles Visa[Platinum] card which earns 15,000 Bonus LifeMiles when the first purchase is made, 3,000 Bonus LifeMiles with your annual credit card renewal and 1 LifeMile for every $1 in net purchases everywhere Visa cards are accepted. If you are not eligible for the LifeMiles Visa [Platinum] card, you will be considered for the LifeMiles VisaSecured card which earns 5,000 Bonus LifeMiles when the first purchase is made and 1 LifeMile for every $1 in net purchases everywhere Visa cards are accepted. The LifeMiles Visa and Secured cards do not earn double miles on Avianca purchases or an additional 20,000 Bonus LifeMiles after making $3,000 in net purchases within 120 days of account opening. The Secured card does not earn Annual Renewal Bonus LifeMiles. The Secured card requires a minimum deposit of $300 provided by the cardmember that will be held in a security deposit account. Full details of the Secured card will be provided upon qualified status.


here is the full write-up:http://therewardboss.com/2014/02/26/lifemiles-visa-40k-mile-offe...
Flight Deals Deals
mixing home/rental ownership for tax planning/optimization?
Added on : Wednesday February 26th 2014 11:00:10 AM
g: 0 Posted By: TheMeliorist
Views: 120 Replies: 0 From reading the IRS rules, it seems that there are several scenarios where an individual could capitalize on the different rules for a main home and rental property which I haven't seen posted here:
In general, rental properties seem favorable because you can deduct repairs and depreciate value. But if you maintain your property as your main home for 2 of the last 5 years, you can forgo income tax on gains below $250k (whereas with a rental, you would pay taxes on such gains). It doesn't seem like there's any reason these can't be combined.

So let's say you buy a foreclosure in bad shape for $50k and find someone to rent it to. It seems, as long as your MAGI is below 100k, you can deduct 25k of losses such as repairs each year. Perhaps after $25k in repairs you can increase the rent and the next year put in another 25k of repairs. Now the house is in a state you're willing to live in, so you move in, live there for two years, and sell for $150k. It seems to me your realized gain would be 100k in this case, falling under the 250k tax exemption, but under a 2009 rule I think you'd qualify for only for a 50k exemption* but since it was a rental property you also got $25k of deductions each of those two years (so it's a wash for the homeowner given the same rates). If it was strictly a rental, you'd get those repair deductions but pay taxes on the 100k gain. You could also do this with multiple rental properties, only moving into the one which appreciated the most to avoid some or most of the tax hit there (depending on how long you're willing to live there).

You could also do it the other way, let's say you want to sell your main home (that has been over 2 years) but know it needs major repairs; you could rent it instead and make the repairs deductible until you sell and would owe no income tax in this case (non qualified use only counts against you before you occupy the house in said 5 year period). This is clearly preferable if you don't plan on living there longer than you rent the property or want to churn properties using this method.

You could also move the concept into grey areas like renting rooms (where you can apportion a % of repair costs based on sharing/use) which doesn't seem to exclude you from the main home test, would allow you make repairs immediately (instead of living with deficiencies for two years) and allow you to churn faster (in serial, at least).

Is my reading and thinking correct? If so, are there any other angles/scenarios you guys can think of? Of course in any of these scenarios you have to pay taxes on depreciation from the rental period but these should be small for small periods and you'd have to do that when selling rental property anyway.

*If you chose to live there only 2 years I think you'd pay income tax on 50k (since two years of four were nonqualified) but perhaps this can be lowered depending on your rental cost basis (eg, if you replaced a roof or another capital improvement during this period)?
Real Estate Deals
g: 0 Posted By: DaysFan
Views: 0 Replies: 0 http://www.rei.com/outlet/deal-of-the-day

the north face Surge II Daypack - 2013 CloseoutPower through the day with the Surge II Daypack from the north face. It boasts plenty of pockets for easy organization and dedicated sleeves for both a laptop and tablet.

Dedicated, zippered and padded laptop compartment handles laptops up to 17 in.; neoprene sleeve holds up to a 10 in. tablet
Main pocket holds books, papers and files
Middle pocket features a deluxe organizer and front pocket features dual zip access to multiple pockets for must-have items
Zippered and padded bottom compartment is sized to hold a power cord and other accessories
Side stretch-woven pockets keep water bottle from bouncing around
Adjustable, padded shoulder straps and padded back panel offer load-carrying comfort; polyethylene sheet along back adds structure and support
Padded and stowable hipbelt enhances carrying support and stability
Constructed of abrasion-, moisture- and tear-resistant ballistic nylon for exceptional durability
the north face Surge II daypack also has reflective hits to increase visibility in low light and a daisy chain to lash on gear
This pack is endorsed by the American Chiropractic Association, recognizing the comfort and function of its shoulder straps, back panel and interior organization
Closeout

Imported.Item 873612
g: 0 Posted By: mistadeal
Views: 75 Replies: 0 http://www.onlyong.com/delta/or call1-888-466-4427 and ask for offer code GETMILES20.

I did this back in October for the 25k delta miles deal, this is almost as good so I signed up again for another 20k miles.

Offer valid for following providers: Vectren Energy,Dominion East of Ohio,Columbia Gas of Ohio,Duke Energy

Requires 6 or 12 month contract, early termination fee applies. Compare third party provider rates/contracts athttp://www.energychoice.ohio.gov/ApplesToApplesCategory.aspx?Category=NaturalGas#

No hard credit pull and no service interruption - continue to receive your bill through one of the 4 major providers above, this just locks you in to a rate with a natural gas reseller. Note that once the 6 months contract ends you will likely want to switch providers, as the rate will likely become variable and increase (I believe the current variable rate on my provider jumps from 57->79/ccf).

Deal Deals
g: 0 Posted By: tedhawkins
Views: 96 Replies: 0 10x42 Diamondback Binocular with a Vortex 8x25 Solo Monocular, Lens Pen, Vortex Hat $229.99 FS

http://www.gearhog.com/

Deal Overview
Superior quality, high-performance hunting optics can find their way around your neck for a surprisingly affordable price. The smooth focusing 10x42 Diamondback binocular takes you to the fine details you prize. Taking its lead from the Diamondback rattlesnake, this rugged binocular is striking in how well it detects life in low light. Huge field-of-view--the largest in its class--enhanced fully multi-coated optics, phase-corrected prisms, waterproof/fogproof construction, soft tapered eycups, rugged rubber armor. It's all there in a Diamondback. Now you can use "wow!" and "thank you" in the same sentence.
Phase corrected prisms (increasing light transmission by 7%) deliver sharp, greatly contrasted images.
BaK-4 prisms provide sharp images from one edge of the broad viewing field to the other.
Fully multi-coated optics increase light transmission for higher image quality in all lighting conditions--enhanced for 2009.

A rock-solid performer:
Whether your adventure takes you across rocky, sand-carved terrain, or into the high timber of the Rockies, you can trust the rock-solid performance of the Diamondback binocular. The Diamondback's protective rubber coating gives you a sure grip that is easy to handle, even as fingers grow numb in the cold. In addition, the retractable Diamondback eyecups feature a soft, tapered style for a more natural fit at your eye--cushioned with rubber for years of relaxed viewing.
* Complete waterproof protection keeps dust and water out of the optical system with tight O-ring seals.
* Complete fogproofing of internal lenses with argon-purged optics presents clear views in spite of sudden temperature changes.
Diamond checker pattern in protective rubber armor provides a solid-grip surface.

Argon gas purging:
This advanced process protects your Diamondback binocular in the following ways:
* Argon gas does not absorb or react chemically with water.
* Argon gas eliminates internal fogging.
* Argon gas maintains its protective properties over a wider temperature range.
* Argon gas does not diffuse as quickly as other elements, extending the service life of the optics longer.
Sports & Outdoors Deals
Avoid Disney World's price increase-Save $27 on 7-day ticket
Added on : Sunday February 23rd 2014 01:00:04 PM
g: 0 Posted By: BudgetingMom
Views: 336 Replies: 1 Walt Disneyworld raised their prices today. But you can still get legitimate tickets at the old prices while they last via Undercovertourist.com. (Mousesavers newsletter recipients save about $1 more through a special link from the newsletter).

For comparison-7-day Magic Your Way non-Hopper pass:
$345 -Today's price through Disney
$318 -Undercover's price

This is just one category, prices are different depending on number of days you want and if you want a "Hopper" pass. Disney tickets are something that you can't find discounted very often, so I went on and ordered next year's park tickets and saved $135 on my 5 tickets. These tickets don't expire until you start using them, so you can put them in a drawer for a year or two, which I have done. After using them for the first day, then you have just 14 days to use them up before they expire.

I've ordered tickets from this place two years in a row and have always been happy. Shipping is free, too.


Travel Deals Deals
Help with letter from IRS
Added on : Saturday February 22nd 2014 11:00:05 AM
g: 0 Posted By: Genius069
Views: 23 Replies: 0 Hello all,

Been a long time member here on FW but not an active participant here on the finance forum. I got a letter from an IRS and I figured this would be a good stepping stone on figuring out what to do next. I am also researching on my own at the same time (i.e. google).

None of the information in the letter is correct and we have not received any of the money that has been reported.

Letter:
I got a letter from the IRS with proposed changes to my 2012 form 1040 taxes and that I owe $969 because of the changes.

Changes to my Income and Deductions:
Non-employee compensation was increased.
Retirement Income taxable was increased.

The above to changes translated into the changes to my 1040.

Details of the change to my 1040:
Changes were made to the following lines of my 1040 for 2012
Line 43 (Taxable Income)
Line 44 (Tax Line)
Line 56 (Self employment tax)
Line 58 (Tax on qualified plans , including IRAs, and other tax favored accounts)
Line 61 (Total tax)

They have details on who reported the charges:
1. The entire amount for the non employee compensation was reported from the Social Security Administration - all of it is reported to my Wife's SSN. We should have gotten a 1099-MISC form but we never got one. Just a physical address is reported. No Phone.
2. The enter retirement amount is from State Street Retiree Services and again under my wife's SSN. Should have gotten a form 1099-R Distrib CD 1 but never got one. Just a PO Box reported. No phone.

I have 3 options in the letter:
1. Pay it move on - Not going to do this till I figure out what the money really is
2. File an extension - I would be responsible for interest for the extra time
3. Disagree - Submit proof it is not correct

What I have found so far:
1. State street looks like a financial service firm that helps corporations manage their retirement funds. I found a # for an office in Florida (where we live) but the one on the letter from IRS is based in Boston. Will try looking for a Boston branch and call Monday.
2. No idea where to start fort he Social Security Office. Neither my wife or I are retired and far from it. We are in our 30s and gainfully employed. Is there a portal to log into and see what payments are being made to my wife's SSN?
3. Should I call a tax attorney and just let them handle this? I am leaning towards a no because I would like to learn and resolve this.
4. My wife is a Social Security attorney and we thought some how the payments being to her firm were not reported correctly but that does not seem to be the case.

I am hoping some person wrote the wrong SSN. Worst case is identity theft. We are going to be pulling her credit report today. We looked at it about 3 months ago when we bought a car and did not see any unusual activity.

Thanks for the help in advance. Also if someone knows some other forum to get help from please let me know.


Tax Deals
g: 0 Posted By: vivabariloche
Views: 124 Replies: 1 Today the minimum spend on the Barclays Arrival card increased to $3,000within 90 days. Everything else seems to have stays the same on the terms.

"You'll receive 40,000 bonus miles when you spend $3,000 in net purchases on
your card within 90 days of account opening. This offer is available only
to first-time Cardmembers and is valid for a limited-time."

Still a good deal, but hopefully we will see an increased bonus of lowered min spend again.

The real question I have is: has anyone been able to get the bonus more than once on this card?

Credit Deals
g: 21 Posted By: remick
Views: 2293 Replies: 9 BRAIN POWER: How To Increase Intelligence, Memory, And Critical Thinking
http://www.amazon.com/dp/B00G7NTOA6

4.3 out of 5 stars (17 customer reviews)


Mind Maps Explained: How To Remember Everything After Learning
http://www.amazon.com/dp/B00I7S5VZ6

4.9 out of 5 stars (7 customer reviews)


Newly free on 2/17

Brain Training: Powerful Mental Focus and Concentration Training Techniques Revealed
http://www.amazon.com/Brain-Training-Concentration-Techniques-co...

4.8 out of 5 stars (5 customer reviews)


A Good Brain Washing: Take Control of Your Mind with a Personalized Recording
http://www.amazon.com/Good-Brain-Washing-Personalized-Recording-...

5.0 out of 5 stars (5 customer reviews)
Books & Magazines Deals
Thinking of accepting an offer in CO -- Moving from Chicago
Added on : Wednesday February 19th 2014 12:00:04 PM
g: 0 Posted By: musicmaster
Views: 182 Replies: 4 Background on me: Male, 24, Single. Grew up and live in the Chicago Suburbs. Been at my current position for 20 months. Current position is in the marketing field at a F500. Current pay is 48.3 + 2k bonus + 4.5% 401K match and $1300 HSA funds per year for a total of about $53,700. I will get a 3% raise in May, making it about $55,000 even. I'd be looking at leaving my current company in the summer. I'm underpaid for my position by around $7-10,000, if not more (depending on the company. I had a co-worker leave for a position at another company for $66k+benefits with similar experience). I receive 10 vacation days per year. The company is older with very little employee development or sense of community and there is a decent amount of turnover

I have about $68,000 saved between a Roth IRA, 401K, mutual funds, stocks and my checking account.

I had applied to a position near Boulder, CO in January when I was out there for vacation. I've made it through the interview process and they presented an offer, contingent of me visiting the company. Their offer was $55,000 +2,000 relocation but they don't have HSA funds nor a 401k match. They do offer stock options though, but I am not sure of their value yet. Essentially, the situation seems to be a wash as far as salary goes. Cost of Living in the Boulder area doesn't seem to be any less expensive than Chicago suburbs.

The positives I see are: The company is much more transparent than my current one - smaller, much better work-life benefits (biking to work, younger co-workers, free lunches, 8:30-5, unlimited vacation) and the position is exactly what I'm looking for. Colorado is also much more outdoorsy than Illinois and I am a marathon runner and love hiking and camping.

The negatives I see are: No real increase in salary. If I stay in IL and get another job, I'd be looking at a 10%+ increase. I'm lucky and have been able to save about $1,000 salary per month (sharing rooms, being frugal etc) on top of my 401K. The additional $5-10k I would get staying in Chicago would go straight into savings (mutual funds). I also leave behind my friends and family.

From a financial aspect, it doesn't seem to make sense to move to CO. Even if they bump the salary up $2-3,000, I'd probably go back to IL to visit my parents 4-5 times per year, which at $300 per ticket, would cut my salary increase to only $1,500. From a work environment it's 100x better. For the outdoor opportunities, it's much better. Obviously I'd eventually make friends. One thing that worries me is the "Menver" comment about CO. I'm not a party person. Hell, my group of friends and I haven't been to the bars since New Years. So meeting people would be organic through running clubs and biking clubs etc.

Thoughts?
Personal Finance Deals
Adding an addition onto my house - Questions. Am I going about this right?
Added on : Wednesday February 19th 2014 03:00:11 AM
g: 0 Posted By: NonReturnable
Views: 104 Replies: 4 I own a 1300 sqft 3 bedroom, 1 bath house.

I would like to add an extra bathroom onto the master bedroom.

2 reasons - I am sick of walking downstairs in the middle of the night to go to the bathroom. Also, we would like to move to a larger house closer to my job in 3-4 years or so (waiting for wife to finish college and get a secure job). I have been watching the houses for sale in my area for the last several years, and its seems like the houses that sit on the market and never sell have 2 things in common - single bathrooms and tired, old looking kitchens. I've updated my kitchen with tile floors, new appliances and new counter tops.

My house has 2 floors. The second story is not the full width (front to back) as the 1st floor. The only thing upstairs is my office and our master bedroom. These are over top of my living room and kids' room. I would like to add a 2nd floor over the back part of my house (dining room and kitchen).

I originally was going to just do a 15 foot wide dormer, however I have had a General Contractor come out to give me an estimate, and said it would be much easier and cheaper to build the addition to the existing corners of the back of the house, as it would not require as much reinforcing if he used the existing corners. This would not just give me a bathroom, but if we go this route, it would give me enough space for a small 4th bedroom, master bath and walk in closet. This would easily increase the value of my house by 25%.

So, here is where I am at -
I have several GC's coming to give me estimates on framing in the addition, putting a roof on it, and siding the outside. That is all I want. I can do everything on the inside. I have drywalled several other rooms (used to be plaster), I have experience doing electrical work, and I have a friend that is a plumber that said he would help me with adding the drain and water lines. In my county I do not have to get permits. I know this is weird, but they only require permits for anything that is a 3 family building or larger (eg, apartment). I've confirmed this by calling the courthouse and asking.

I went to Menards and priced everything I would need for the bathroom. It came to right around $1000 for a shower stall (I want a 3/4 bath), toilet, sink, plumbing materials, etc. I don't plan on making this super upscale, just using contractor grade materials, as in my area there isn't enough market demand for these items. Drywall and electrical materials will run me around $400. Insulation about $150.

I had an HVAC unit installed 6 years ago, and to be honest, I got kinda screwed. Its not powerful enough. When it gets in the upper 90s, it can only keep the house around 75, and the 2nd floor gets into the 80s, so we use a window AC in the master bedroom. I plan to reroute the return that goes to the 2nd floor to pull from my living room, and the forced air line to a bedroom that currently doesn't have a forced air line. I'll install a 2-ton Mitsubishi mini-split HVAC unit to cool and heat the 2nd floor. These run around $700.

I plan to take these numbers (after I sort through everything and make a nice spreadsheet) along with 3 estimates from different contractors on framing in the addition to my bank, to attempt to refinance my house and get a home equity loan to pay for the addition.

I paid $75k for the house in 2008.
I currently owe $66k on a 30 year mortgage.

Since I purchased the home, I have put about 20k into upgrades (laminate floors, HVAC - it only had electric baseboards when I moved in, split up a massive 15x20 laundry room to make a small utility hallway and a 3rd bedroom, etc)

I would like to get the house re-appraised to take the upgrades I've done into account, however I will have to pay for it because the bank will only do drive-by appraisals, not one where the guy comes in.

Should I pay for the appraisal before or after I talk to the bank?

Basically I want to go to the bank and say:
I owe 66k
The house is worth $X (somewhere in the mid $80s most likely, based on what my neighbor who is a Realtor says)
I want to do the following upgrades that will cost $Y and afterwards the house will be worth $Z.

So, how does this work? How can I get a loan on the equity between what I owe and what the house is worth?

What is the best way to go about this?

I would appreciate any advice that will get me moving in the right diection.

Thanks guys!

TL;DR - Want to build an addition on my house. Talk to me about how to best approach a home equity loan.
Question Deals
Easton Mountain Products Kilo 3P Tent - $316.73 at Rei.com
Added on : Tuesday February 18th 2014 06:00:05 PM
g: 0 Posted By: Ayla
Views: 187 Replies: 0 Easton Mountain Products Kilo 3P Tent - $316.73 at REI.com


http://www.rei.com/product/843624/easton-mountain-products-kilo-...


Sale: $299.93


Was: $499.00



Subtotal $299.93
Standard shipping FREE
Tax (?) $16.80
Total due $316.73



Taking it to the next level, the Easton Kilo 3P tent offers a "best in class" space-to-weight ratio that will have you and your tent mates playing cards in comfort.


Easton Carbon ION poles with AirLock connectors shave weight without sacrificing strength

Patent-pending pole linkage system is 59% lighter than traditional aluminum inserts with bulky shockcords

AirLock uses a short tether between each section and poles snap together to increase strength at every connection point

Innovative geometry and a continuous spine give the 3-pole design exceptional stability

Large front entry door means no climbing over your tent mates on the way in or on the way out; small vestibule? space stores gear

Stay dry and protected with double-wall construction, waterproof bathtub floor with taped seams and waterproof rainfly

No-see-um mesh canopy ensures superior ventilation, insect protection and a 360 view

Kilo 3P tent provides fast and easy pitching with color-coded poles

Grommeted rainfly attaches to the spine pole for secure alignment; fly loops make quick work of securing the fly to the tent body

Includes stuff sacks and ultralight, high-strength alumuminum stakes and guylines?

Imported.

Item 843624

Sports & Outdoors Deals

REI Coupons
Nike Zoom Wildhorse GTX Trail-Running Shoes - Women's - $89.69
Added on : Tuesday February 18th 2014 06:00:04 PM
g: 0 Posted By: Ayla
Views: 161 Replies: 0 Nike Zoom Wildhorse GTX Trail-Running Shoes - Women's - $89.69


http://www.rei.com/product/859300/nike-zoom-wildhorse-gtx-trail-...


Sale $84.93

Was: $125.00


Subtotal $84.93
Standard shipping FREE
Tax (?) $4.76
Total due $89.69


The Nike Zoom Wildhorse GTX Trail-Running Shoes for women feature lightweight mesh uppers with GORE-TEX membranes to help keep you dry and comfortable on runs in the rain.

Zoom Air units in the heels and forefeet to soak up shock and provide a smooth transition to a responsive toe-off
Compression-molded Phylon and Cushlon midsoles offer dual-density cushioning and a responsive ride
4mm heel-to-toe drop encourages a natural midfoot or forefoot strike to promote forward momentum and reduce the impact of heel striking
Rubber waffle outsoles stand up to regular wear and provide good traction
Reflective elements increase your visibility in low light

Imported.

Item 859300
Shoes Deals

REI Coupons
g: 15 Posted By: remick
Views: 1458 Replies: 5 BRAIN POWER: How To Increase Intelligence, Memory, And Critical Thinking
http://www.amazon.com/dp/B00G7NTOA6

4.3 out of 5 stars (17 customer reviews)


Mind Maps Explained: How To Remember Everything After Learning
http://www.amazon.com/dp/B00I7S5VZ6

4.9 out of 5 stars (7 customer reviews)


Newly free on 2/17

Brain Training: Powerful Mental Focus and Concentration Training Techniques Revealed
http://www.amazon.com/Brain-Training-Concentration-Techniques-co...

4.8 out of 5 stars (5 customer reviews)


A Good Brain Washing: Take Control of Your Mind with a Personalized Recording
http://www.amazon.com/Good-Brain-Washing-Personalized-Recording-...

5.0 out of 5 stars (5 customer reviews)
Books & Magazines Deals
g: 2 Posted By: remick
Views: 172 Replies: 1 BRAIN POWER: How To Increase Intelligence, Memory, And Critical Thinking
http://www.amazon.com/dp/B00G7NTOA6

4.3 out of 5 stars (17 customer reviews)


Mind Maps Explained: How To Remember Everything After Learning
http://www.amazon.com/dp/B00I7S5VZ6

4.9 out of 5 stars (7 customer reviews)
Books & Magazines Deals
Swap term life & variable life with Return of Premium Term Life?
Added on : Saturday February 15th 2014 06:00:08 PM
g: 0 Posted By: taiding
Views: 3 Replies: 0 Currently I have a $400K 15-year term life that started in 2006. The premium is $183 a year. My wife has a $250K variable life that started in 2005. $43 premium deduction a month. This variable policy has a few thousand cash value in it and the surrender charge is $500 now but will be $0 next March. I wanted to increase the insured amount on both so I looked around today. The Return of Premium term life caught my eye. For 500K 30-yr ROP, the premium for my wife will be $63 a month. A 1M 30-yr ROP for me will cost $122 a month. Do you think it is a good idea to swap both of my current policies with the ROP 30-year term life? Thank you
Personal Finance Deals
Free BioAstin Hawaiian Astaxanthin Sample
Added on : Friday February 14th 2014 06:00:11 AM
g: 0 Posted By: remick
Views: 51 Replies: 0 http://lp.nutrex-hawaii.com/freebioastinsample/

BioAstin Hawaiian Astaxanthin is a powerful, naturally occurring red carotenoid that's known as a super antioxidant, so it naturally reduces free radicals in the body. It is safe and natural and has been clinically validated in human studies to support*:
Joint and tendon health
Skin health
Increased energy
Recovery from exercise

Free Samples Deals
Wireless Router ASUS (RT-AC68R) Wireless-AC1900 Amazon 178.99
Added on : Thursday February 13th 2014 08:00:06 AM
g: 1 Posted By: vcdburn
Views: 186 Replies: 0 178.99 is the cheapest I have seen thishttp://www.amazon.com/gp/product/B00I7EM752/ref=oh_details_o00_s...

Amazon Prime
Sold byKokis StoreandFulfilled by Amazon. Gift-wrap available.

Enhanced ASUSWRT interface for Easy 3steps setup through Tablet, Smartphone and PC
Up to 1900 Mbps, 802.11AC(1300Mbps over 5G) + 802.11N(600Mbps over 2.4G). Broadcom TurboQAMTM technology increases wireless-N data rate to600 Mbps for 33% faster performance
1 x Gigabit WAN port, 4 x Gigabit LAN ports, 1 x USB3.0/1 x USB 2.0 support Printer/HDD/(3G/4G dongle) sharing.
AiRadar with Beam forming technology to ensure maximum WiFi coverage. Dual-core processor for fast and responsive performance with Wi-Fi, Ethernet and USB devices.
AiCloud to bring you multimedia sharing from outside network and Smartphone


Routers Deals

Amazon Coupons
g: 0 Posted By: remick
Views: 142 Replies: 0 http://www.amazon.com/dp/B00CARM81K

4.7 out of 5 stars (88 customer reviews)

Achieve the Warrior Mindset for Peak Performance.

Reach new levels of success and mental toughness with this ultimate guide.

Learn the "Science of Success" and prepare to excel. In this concise and highly acclaimed success mental training guide, peak performance Coach DC Gonzalez teaches a blend of unique mental training technologies, sports psychology essentials, and peak performance methods that are effective and motivational. Get ready to increase your self-belief, self-confidence, and mental toughness, using this powerful guide designed to help you reach new levels of success, sports performance, and personal development.

With a client list that includes top athletes, executives, actors, entertainers, pro-fighters, musicians, soldiers, doctors, lawyers, psychologists, and many more; Dan has been leading people to new levels of achievement since 1988.

This Kindle book is powerful, in it Dan explains, teaches, and helps you develop the psychological skills required for peak performance and mental toughness, while pointing out the underlying mental training strategies that will help anyone reach higher levels of achievement and performance - not by random chance, but by focused choice.

The Art of Mental Training teaches the critical essentials while interwoven with stories from his fascinating background as a Naval Aviator, Federal Agent, Military Cyber-Security Specialist, Brazilian Jiu-Jitsu Black Belt and Peak Performance Coach. Dan creates a powerful teaching connection between his adrenaline-filled life experiences and the mental skills and mental training that make all the difference.

Totally Free Deals
Potential 401k Contribution Limit Loophole?
Added on : Wednesday February 12th 2014 04:00:21 AM
g: 0 Posted By: Dus10
Views: 136 Replies: 2 So, from my understanding of the contribution limits, I always thought that limit was your limit for the year, end of story. There are the differences between what you can contribute and what your employer can contribute, but those are different matters. Related to that however, I was perusing the IRS website to get some more specific information because I am going to be leaving my current job in a couple of months and going to a new job. I wanted to figure out where I needed to be percentage-wise with each job to get to my limit, but not exceed it.

So I reviewed this page:Retirement Topics - 401(k) and Profit-Sharing Plan Contribution Limits

What I found there seemed rather interesting and I wanted to get others' take on it, specifically:

"Overall limit on contributionsTotal annual contributions (annual additions) to all of your accounts in plans maintained by one employer (and any related employer) are limited. The limit applies to the total of:

elective deferrals

employer matching contributions

employer nonelective contributions

allocations of forfeitures

The annual additions paid to aparticipantsaccount cannot exceed the lesser of:

100% of the participant's compensation or

$51,000($56,500 including catch-up contributions) for 2013 ($52,000, or $57,500 including catch-up contributions for 2014)"


So, what is this business about related and unrelated employers? It seems to me that they are attempting to keep folks from creating multiple companies that are under a single umbrella of sorts to game the system. But what would they be gaming? Perhaps limits based on a per-employer setup? Is this suggesting that one could have two completely separated employers and have separate limits for each? I always thought that was a per-taxpayer annual limit. Did I, or perhaps others, miss something?
General Economics Deals
g: 1 Posted By: tedhawkins
Views: 180 Replies: 0 Vortex Riflscope 4-12x44 Crossfire II V-Plex + Rings, Pen & Hat $159.99 Shipped

http://www.gearhog.com/

Deal Overview
Clearer. Tougher. Brighter. Our popular Crossfire riflescopes are completely redesigned and built to exceed the performance standards of similarly-priced riflescopes. Longer eye relief, a fast-focus eyepiece, fully multi-coated lenses and improved, resettable MOA turrets ensure optimal performance in the field. The hard anodized one-piece aircraft-grade aluminum tube is nitrogen purged and o-ring sealed for a lifetime of waterproof/fogproof performance. The Crossfires deliver -- and then some.

Optical Features:
Fully Multi-Coated Lenses - Increase light transmission with multiple anti-reflective coatings on all air-to-glass surfaces.

* One-Inch Tube - Standard tube diameter for most American riflescopes.
* One-Piece Tube - Maximizes alignment for improved accuracy and optimum visual performance as well as strength and waterproofness.
* Aircraft-Grade Aluminum - Premium grade of aluminum, valued for fatigue resistance.
Capped Turrets - Is less susceptible to accidental impact damage.
* Adjustable Objective - Uses an adjustment mechanism on the objective lens to fine-tune focus for the purpose of reducing parallax shooting error.
* Reset Turrets - Allow re-indexing of the turret housing to zero after sighting in the riflescope--generally requires use of a coin or wrench.
* Waterproof - o-ring seals prevent moisture, dust, and debris from getting inside the tube for reliable performance in all environments.
* Fogproof - Filled with nitrogen gas to inhibit internal fogging.
Shockproof - Lenses are locked in place, fore and aft, with machined locking rings to remain in perfect alignment and withstand recoil and impact.
* Hard Anodized Finish - Hard-coat anodization is durable; the low-glare matte helps camouflage the shooter's position.
Guns & Ammo Deals
g: 0 Posted By: Northerner26
Views: 166 Replies: 0 Vortex Riflscope 4-12x44 Crossfire II V-Plex with Medium Viper Rings, Lens Pen, Vortex Hat & shipping only $159.99Optical Features:
Fully Multi-Coated Lenses - Increase light transmission with multiple anti-reflective coatings on all air-to-glass surfaces.

* One-Inch Tube - Standard tube diameter for most American riflescopes.
* One-Piece Tube - Maximizes alignment for improved accuracy and optimum visual performance as well as strength and waterproofness.
* Aircraft-Grade Aluminum - Premium grade of aluminum, valued for fatigue resistance.
Capped Turrets - Is less susceptible to accidental impact damage.
* Adjustable Objective - Uses an adjustment mechanism on the objective lens to fine-tune focus for the purpose of reducing parallax shooting error.
* Reset Turrets - Allow re-indexing of the turret housing to zero after sighting in the riflescope--generally requires use of a coin or wrench.
* Waterproof - o-ring seals prevent moisture, dust, and debris from getting inside the tube for reliable performance in all environments.
* Fogproof - Filled with nitrogen gas to inhibit internal fogging.
Shockproof - Lenses are locked in place, fore and aft, with machined locking rings to remain in perfect alignment and withstand recoil and impact.
* Hard Anodized Finish - Hard-coat anodization is durable; the low-glare matte helps camouflage the shooter's position.


$160 shipped @ Gearhog



Guns & Ammo Deals
Discover tie up with county for property tax payment by credit card
Added on : Monday February 10th 2014 05:00:11 PM
g: 0 Posted By: Nishant1
Views: 0 Replies: 0 Last year, my county (In Chicago area) had atie up with Discover credit card which offered tax payment by card. It had tiered but significantly lower fees.I found itinterestingthat the fee was capped at $38 max so you can turn it into Cash Back opportunity by routing payment through Discover.
Our property taxes here are pretty high. My property taxes were about $12K but my card limit was less than that which required me to split payment in two installments.
To avoid two payments and to save on additional $38 fees and to get 120-38= $82 CashBack in single transaction, I pushed a credit card payment to create a credit balance of $5000 through my checking and hoped that $12Kcharge wouldgo through as single payment
It did not go though and I had to split payment.

Now Discover has autoincreased my limit over last 3 quarters so I can manage in single installment. Hopefully all terms remaining same, we will find out in April 2014.
February Kindle Deal - 101 Writing Tweets
Added on : Friday February 07th 2014 01:00:02 PM
g: 0 Posted By: BigReader
Views: 167 Replies: 0 101 Writing Tweets: 101 Tips and Tweets about Writing How-To Books for the Kindle [Kindle Edition]
Amazon Countdown Deal

U.S.http://www.amazon.com/dp/B00CD8B4Q6
U.K. https://www.amazon.co.uk/dp/B00CD8B4Q6

Course on how to write and self publishing a Kindle and Createspace book in 140 character bursts (with an explanations for each tweet/tip).

Regular price $2.99 on sale from $0.99

NOTE: This is an Amazon Countdown Deal meaning the price starts at 99 cents and then increasesin steps of $1.00 until the price is $1.00 below the regular price. Deal lasts for 7 days. The publisher can adjust so you need to check the price and the countdown timer. Currently only available on the U.S. and U.K sites.
Books Deals

Amazon Coupons
Solo 401k plan w/ after-tax contributions and in-service rollover?
Added on : Friday February 07th 2014 12:00:06 PM
g: 0 Posted By: awstick
Views: 69 Replies: 0 I'm looking for a solo 401k administrator that allows the functionality described in this post:http://www.fullofdeals.com/forums/finance/1329845/m18254096/#m18254096
Chiron said:   See if your 401k plan allows you to contribute up to $34.5k more to a Roth IRA through the conversion loophole. To do this your plan needs to provide for both 1) after-tax (non-Roth) contributions to your 401k and 2) in-service withdrawals. See:http://www.forbes.com/sites/financialfinesse/2012/07/17/the-401k...

The idea here is to:

1) Contribute after-tax dollars to 401k
2) Withdraw after-tax contributions in service to a traditional IRA
3) Convert traditional IRA to Roth (if you do this quickly after the contribution in (1), you will have minimal tax consequence)

This seems to be a very tax efficient way to handle self-employment or side business income if such a plan exists. You could convert $52,000 of gross income normally all subject to payroll taxes or SE tax to:

$41,600 of salary with a $17,500 pre-tax 401k contribution and a $24,100 after-tax contribution that's immediately rolled over to a Roth IRA
$10,400 employer 401k match (limited to 25% of wages)

This increases the Roth IRA limit by over 400% with relative ease and still gives you a decent mix of deductible contributions to lower your current year tax.

Investing Deals
g: 0 Posted By: Bargainbooyah
Views: 152 Replies: 0 Cabela's has the men's Finley jacket on sale for $29.99. Two colors to choose from. Free shipping to store or $8.95 shipped to your door (at least for me in CA).
Link

Description:
Rugged work jacket that keeps you warm during cold days on the job. 100% duck cotton shell with triple-stitched seams cuts the wind and resists abrasion. Polyfill insulation keeps you warm. Quilted brushed tricot lining is comfortable and easily slips on and off. Rolled shoulders, articulated elbows and bi-swing back provide a more relaxed fit and increase freedom of movement. Two interior chest pockets with hook-and-loop closures keep valuables secure. Lower front kangaroo pockets warm cold hands and hold items for easy access.
Clothing Deals

Cabela's Coupons
g: -1 Posted By: ArtieLange
Views: 179 Replies: 1 Belkin SurgePlus 6-Outlet Wall Mount Surge Protector with Dual USB Ports $16.11 at Amazon

http://www.amazon.com/Belkin-SurgePlus-6-Outlet-Mount-Protector/...


900 Joule energy rating provides superior power protection for all your sensitive home office devices
2 powered USB ports (2.1 AMP combined) for charging your tablets, smartphones, and other mobile devices
Wall-mountable for 6 extra AC outlets without extra cords
Over-sized Metal Oxide Varistors (MOVs) absorb excess electricity for increased protection
Damage-resistant housing protects circuits from fire, impact or rust, and prevents dents and scratches



Electronics Deals
g: -1 Posted By: remick
Views: 102 Replies: 0 Reclaiming God's Original Purpose for Your Life
http://www.amazon.com/Reclaiming-Gods-Original-Purpose-Your-eboo...

5.0 out of 5 stars (5 customer reviews)

Have you ever wondered why you are living here and now in this particular place and time in history?
Not only is Myles Munroe a dear friend, but someone who has greatly helped to shape my understanding of the Kingdom of God. Matthew Crouch, CEO, Gener8Xion Entertainment
Best-selling author of more than 10 life-changing books and devotionals, Dr. Myles Munroes series on the Kingdom of God shows how your heavenly Father wants to make the earth a place of Kingdom harmony and peacebeginning within you!

You will discover things about Gods love and plan, such as how:
Your destiny will be fulfilled right here on earth.
You are created to turn the earth into a place filled with His culture!
You can enjoy continuous fellowship with the Lord.
Your decisions make a big difference in what happens on earth.
Dr. Munroe explains how Reclaiming Gods Original Purpose for Your Life will bring you joy, peace and abundant living. This big idea [of reclaiming Gods original purpose] is the only answer to the deep cry in the heart of every human, and it can satisfy the perpetual vacuum in the spirit of humankind, writes the author.

You will find your own destinyand an intimate relationship with God in the process!



Supernatural Anointing
http://www.amazon.com/Supernatural-Anointing-Increasing-Shifting...

4.6 out of 5 stars (10 customer reviews)

Ignite your passion to live an extraordinary life.

Supernatural Anointing is a unique compilation of engaging and motivating personal experiences and interviews with world-renowned prophets, pastors, worship and ministry leaders. These ministry leaders reveal how you can receive an exponential increase of supernatural anointing and enter into your sacred destiny. The teaching, prophetic exhortations, and visions in this book are believable, reachable, and captivating. Julia Loren imparts a strong anointing to re-awaken your heart to Gods love and your destiny to release the anointing everywhere you go. The revelations that she received from God through conversations with Jesus and other supernatural encounters will ignite your passion to live an extraordinary life.

You be enabled:
To re-awaken to the unfathomable love God has for you, His chosen one.
To release the anointing in everyday life.
To move in apostolic power wherever you go.
To shift the shadows of darkness that seek to overcome your light.
To position yourself as an emerging leader during these tumultuous days.

Join Julia and other anointed leaders in navigating the shifting shadows of supernatural anointing!

Encounter Jesus for yourself!
Books Deals

Amazon Coupons
;Oakley Cottage Snowboarding Jacket $162.99 FS
Added on : Thursday February 06th 2014 09:00:18 AM
g: 0 Posted By: tedhawkins
Views: 223 Replies: 0 Oakley Cottage Snowboarding Jacket $162.99 FS

http://www.zappos.com/oakley-cottage-snowboarding-jacket

Oakley's BioZone technology addresses three areas of athletic need: moisture management, insulation, and comfort.
Hydrogauge 15 fabric for durable waterproof protection and enhanced breathability.
In/Out adjustable hood for versatile protection from the elements.
OOR hood and cuffs for an adjustable fit.
Vents at underarms for increased breathability.
Taped seams for durability.
BioZone fleece at the interior for breathable, lightweight insulation.
HDO goggle wipe and included Microclear cloth to help keep goggle lenses clean.
Snap storm skirt with Lycra for a secure connection to the Cottage pants.
Clothing Deals
3 Dozen Bridgestone Tour B330 Golf Balls for $87.96
Added on : Thursday February 06th 2014 09:00:02 AM
g: 0 Posted By: Deals4mykids
Views: 23 Replies: 0 3 Dozen Bridgestone Tour B330 Golf Balls for $87.96

Regular Price: $49.99/doz
Today's Price: $26.99/doz when buying 3 or more
S&H: $6.99
Tax: NY & VA residents only

http://www.rockbottomgolf.com/bridgestone-golf-2012-tour-b330-go...

Featuring a larger core, softer cover, and Bridgestone's patented Dual Dimple Technology, the new Tour B330 golf balls are designed for enhanced wind performance, superior aerodynamics, and longer distances - just what a true golfer craves out on the course!

-Gradational compression core technology for increased ball speed
-Dual Mantle design for reduced spin and higher launch off the driver and long irons
-Tour proven Urethane cover for excellent greenside control
-330 dual dimple technology for a consistent flight
Golf Deals
g: 0 Posted By: ArtieLange
Views: 113 Replies: 0 Klipsch Synergy B-20 Premium 5.25" Bookshelf Speakers Pair $131.98 shipped at Newegg

http://www.newegg.com/Product/Product.aspx?Item=N82E16882780029&...







The Synergy Series B-20 bookshelf loudspeaker proves that great style and performance can come in a small, affordable package. This exceptional speaker is the perfect step-up solution for a powerful full-range system that still has the benefits of a compact design. This current generation Synergy bookshelf model benefits from tens of years of Klipsch engineering experience and aesthetic upgrades that are representative of a new quality of craftsmanship.It offers a winning combination of powerful bass with remarkable detail and high volumes with low distortion, making it a perfect delivery source for today's advanced digital music formats. The B-20 gets its superior sound by employing a 5.25-inch IMG woofer and 0.75-inch magnetically shielded, aluminum-dome tweeter coupled to an exclusive square Tractrix Horn. It also features a rear-mounted port that increases efficiency and extends bass response.Available in a black finish with titanium accents, the contemporary look of the B-20 is two-fold. With its grille on, the B-20 offers a sense of elegance that nicely blends in with your home dcor, but take the grille off and you get an aggressive and powerful statement that exudes extreme performance. This rock-solid performer delivers all the awe of movie explosions and intricate musical detail that is often associated with large floorstanding models.

Exceptional Sound Quality The Klipsch Synergy B-20 Bookshelf Speaker boasts a 5.25" magnetically shielded IMG woofer, a 0.75 aluminum dome tweeter and Tractrix horn to deliver crisp highs and accurate lows for an immersive listening experience.
Magnetically Shielded The magnetically-shielded Klipsch Synergy B-20 Bookshelf Speaker can be put at any proximity to display devices such as TVs and LCD monitors without loss of sound quality caused by interference.

Headphones & Speakers Deals

Newegg Coupons
g: 0 Posted By: ArtieLange
Views: 68 Replies: 0 ASUS P8Z77-V PRO LGA 1155 Intel Z77 Intel Motherboard $139.99 shipped after $30.00 rebate card Newegg

http://www.newegg.com/Product/Product.aspx?Item=N82E16813131819&...


With its unrivalled quality and full spectrum of features, the Asus P8Z77-V PRO Motherboard is a great foundation for your next powerhouse. Based on the Intel H61 Express chipset, it works flawlessly with the second- and third-generation Intel Core processors in an LGA 1155 package, and offers you the capability to fully tune and overclock the CPU performance when used with unlocked processer. You'll also delight in the evolved technology such as USB 3.0, SATA 3.0, and PCIe 3.0 (when used with a third-generation Core processor). An array of in-house features and technology ensures a new level of user experience in your PC build and system tuning. And with proven Asus reliability and stability, you'll see and feel the difference in your everyday computing.

TPU plus SMART DIGI+ Always at the forefront of power design, Asus propels you into the future standard of power management again by SMART DIGI+ Technology, which works with the TPU (TurboV Processing Unit) to ramp up performance to its maximum. Enable the all-new SMART DIGI+ key with a single click, and adjust CPU ratios manually in the TPU to increase CPU frequency up to an incredible 85%! SMART DIGI+ Technology also includes the Smart CPU Power Level profile, which reduces CPU power consumption to a specific indicated wattage with a single click, creating a cooler and quieter PC. With next-generation Intel VRD 12.5 future power technology, Asus once again leaps to the future of innovation.
TPU Unleash your performance with Asus's simple onboard switch or the AI Suite II utility. The TPU chip offers precise voltage control and advanced monitoring through Auto Tuning, GPU Boost, and TurboV functions. Auto Tuning offers a user-friendly way to automatically optimize the system for fast, stable clock speeds, while TurboV enables unlimited freedom to adjust CPU frequencies and ratios for optimized performance in diverse situations.
EPU Tap into the world's first real-time PC power-saving chip through a simple onboard switch or the AI Suite II utility. Get total system-wide energy optimization by automatically detecting current PC loadings and intelligently moderating power consumption. This also reduces fan noise and extends component longevity!
Wi-Fi GO! Asus Wi-Fi GO! makes enjoying home entertainment easier than ever! Exclusive Wi-Fi functions provide DLNA streaming so you can enjoy a home theater PC, while also providing remote access to your PC with a smart device. Asus Wi-Fi GO! leads the market by integrating Wi-Fi connectivity, DLNA access, and all smart devices with a one-stop utility for a futuristic connected lifestyle.
GPU Boost GPU Boost accelerates the integrated GPU for extreme graphics performance. The user-friendly interface facilitates flexible frequency adjustments. It easily delivers stable system-level upgrades for every use.
Faster USB 3.0 Transmission with UASP and High USB Charging Power Asus facilitates strategic USB 3.0 accessibility for both the front and rear panel; six USB 3.0 ports in total. Experience the latest plug and play connectivity at speeds up to 10 times faster than USB 2.0. The P8Z77-V LE affords greater convenience to high speed connectivity. Asus USB 3.0 Boost technology supports UASP (USB Attached SCSI Protocol), the latest USB 3.0 standard. With USB 3.0 Boost technology, a USB device's transmission speed is significantly increased up to 170%, adding to an already impressive fast USB 3.0 transfer speed. Asus software automatically accelerates data speeds for compatible USB 3.0 peripherals without the need for any user interaction. This motherboard also features a dedicated onboard controller that enables the USB port to quick-charge all your smart devices, such as iProducts, smartphones, tablets and more, all up to three times faster, even when the PC is powered off, or in sleep or hibernation modes.





Computers Deals

Newegg Coupons
Financing Rural Land (with New Construction Housing On It)
Added on : Tuesday February 04th 2014 11:00:19 AM
g: 0 Posted By: ltcm
Views: 152 Replies: 4 I'm considering buying a piece of property and building a house on it. I've narrowed down the area (within 15 minutes of where I currently live, about 45-50 minutes from the downtown of a major city), but have not picked out a specific lot yet. The properties I'm looking at range from $150-$300K for 35-70 acres, with the more expensive properties including wells, power to the property already, etc. The main thing I'm interested in is how to finance this project. I've read about construction loans and land loans, but wonder whether something like this might not fit either category exactly. My questions are:

1. What type of loan should I be looking for in this situation? How much of an increased interest rate/increased down payment should I expect?
2. What if I don't build a house right away? One idea I've been investigating is to buy the land and build a nice barn with an apartment above it first, while saving to build a "main" house within 2-3 years. If I spent $100K on the barn/apartment, would I be able to get a loan for the full land amount + barn, or would the appraisal process/lack of a main structure kill this idea? The barn + apartment is definitely part of the plan in the long-term anyway due to family members who will likely live there one day, so it wouldn't be an unnecessary expense, just a reversal in the typical order of building.
3. Finally, what about just financing the land and putting a trailer on there for 1-2 years until I save up more money for the house? I'm not too familiar with loans for raw land, so I'd love to hear people's experiences about that as well.

And just general thoughts that will provide me additional avenues to research -- thanks!
Personal Finance Deals
g: 1 Posted By: remick
Views: 228 Replies: 0 http://www.amazon.com/Office-365-Migrating-Managing-Business-ebo...

Written for the IT professional and business owner, this
book provides the business and technical insight necessary to migrate your
business to the cloud using Microsoft Office 365. This is a practical
look at cloud migration and the use of different technologies to support that
migration. Numerous examples of cloud migration with technical migration
details are included.



Cloud technology is a tremendous opportunity for an
organization to reduce IT costs, and to improve productivity with increased
access, simpler administration and improved services. Those businesses
that embrace the advantages of the cloud will receive huge rewards in
productivity and lower total cost of ownership over those businesses that
choose to ignore it.



The challenge for those charged with implementing Microsoft
Office 365 is to leverage these advantages with the minimal disruption of their
organization. This book provides practical help in moving your business
to the Cloud and covers the planning, migration and the follow on management of
the Office 365 Cloud services.


What youll learn
-Overview of Microsoft Office 365's operation and usage for
any size enterprise

-Methods of planning and migration

-Office 365 management best practices

-Using Office 365 SharePoint to improve business processes

-Troubleshooting Office 365 installations

-Using Compliance, eDiscovery and Data Loss Prevention tools

-Office 365-site management best practices for IT
administrators and business owners
Who this book is for
Small-enterprise IT professionals and business owners who have the admin responsibilities for their business-IT needs. These people need refined reference information on basic set-up and configuration for their Office 365 installations, as well as best-practice-driven instruction on managing and troubleshooting their systems.
Books Deals

Amazon Coupons
Frontier Airlines 14% Off Domestic Fares
Added on : Tuesday February 04th 2014 03:00:02 AM
g: 0 Posted By: craigers82
Views: 37 Replies: 0 Promo Code: SUPER
www.flyfrontier.com

The 14% discount on domestic fares applies to base fare only, not to fees or taxes, and requires purchase at FlyFrontier.com using promo code SUPER. Discount applies to domestic fares. Tickets must be purchased by 11:59 p.m. Eastern time on February 6, 2014, for travel through March 12, 2014. Blackout dates of February 1314, 2014 and February 17, 2014 apply. All fare rules will apply. Certain flights and/or days of travel may be unavailable. All fare rules apply. Depending on the fare type purchased, nonrefundable tickets may be transferred for a fee of up to $50, or reissued for alternate flights for a fee of up to $75, as well as a possible fare increase. The name change fee and itinerary change fee are not exclusive of each other. Previously purchased tickets may not be exchanged for these special fare tickets. Flight segment(s) must be cancelled prior to scheduled departure time or the ticket(s) and all monies will be forfeited.
Samsonite Tectonic Large Backpack $54.99 free shipping eBags
Added on : Monday February 03rd 2014 11:00:02 PM
g: 0 Posted By: ArtieLange
Views: 24 Replies: 0 Samsonite Tectonic Large Backpack $54.99 free shipping eBags

http://www.ebags.com/product/samsonite/tectonic-large-backpack/2...



Front pocket organization for all your business needs
Easy access quick stash front pocket
Water bottle pocket
Padded laptop compartment with super soft lining
Rubber coated, cushioned comfort grip handle
Interior mesh, zippered pockets for increased organization
Air mesh padding keeps back cool by allowing air to circulate
g: 0 Posted By: IL352010
Views: 217 Replies: 2 First, thank you for your ideas and suggestions. This truly means a lot to me. I have searched and read through the required materials on this board. Again, I genuinely thank you for your time. I have tried to include the most pertinent information below.

My question is: How much should I invest in my 401k v. how quickly should I pay off my student debt.

I am 26 years old. Graduated with a professional degree in mid-2013, passed my professional licensing exam and started working at a Fortune 500 company in early January 2014.

I managed to get out of undergrad with no student loans (working during the year + summers and earning grants and scholarships). I graduated from law school with $62,000 of debt and allocated it by percentage below. (All Federal Loans).

Direct unsub. Stafford- $33,000 (6.8%)
Direct Sub. Stafford- $17,000 (6.8%)
Direct Student Plus- $12,000 (7.9%)

I've been paying off interest as it comes due throughout law school and have no other debt whatsoever. That said- my savings are nearly 0. (I will be receiving my second paycheck this week).

My starting salary is $75,000 even. I expect to hopefully be able to increase that in the near future. Truthfully, in my industry, I'm fortunate to have a job right now. That said, once I gain a few years of experience I believe I will be able to increase that figure dramatically.

My company offers a 6% 401k matching plan, which vests on a graded scale. Meaning- they will match my first 6% fully, however, after my first full year of employment 33% of their match will vest and be mine if I leave the company. After two years- 66% will vest and then after 3 years 100% of their match will vest. This worries me a bit because it is not uncommon to find or be offered a higher paying job within that time span. I suppose I'll have to decide how big a pay jump and whether it's worth it at the time.

Also my employer is a public traded company and they offer a ESPP. They will match the first 3% of contributions, after-tax, to that program.

I've also started a Roth IRA- although I have only put a few hundred dollars in it so far. I live in Chicago with a roommate and pay about $1,000/month total for rent, utilities, etc. I picked this living arrangement so that I could not have a car and walk about 4 blocks to work each day. If I need a car for a particular day for work- my employer will pick up the zipcar tab- which is great. My goal is to stay in this specific living situation for about 2-3 years. I eventually hope to save to buy a modest 1 or 2 bedroom condo.

Back to my question- Any advice on the strategy of repaying my loans and saving for retirement would be incredibly helpful. Again, thank you for your time and consideration.



Personal Finance Deals
Maximizing my ESPP
Added on : Sunday February 02nd 2014 10:00:12 PM
g: 0 Posted By: kchunk
Views: 2 Replies: 0 I've read through a lot of threads here onEmployee Stock Purchase Plansand learned quite a bit. Currently I'm contributing $100 to my ESPP and holding long. Turns out this may not be my best option. I want to see if I can get a little help here.

Plan highlights:

10% discount
Stock is purchased on the last day of the month at "fair market price" for that day (fair market is determined by the mean of the highest and lowest price).
Can purchase $25k/year in fair market value.
No restriction on the sale of shares <---I think this is what makes this a good deal
Fidelity NetBenefits commission is $38 to sell.


So here's what I'm thinking, please correct me if I'm wrong...if I increase my contribution to $5625/mo for 4 months, at the end ofeach month (after settlement) immediately sell the shares for approx $6250 (fair market value), I'll pocket $587 ($624-$38 commission).Roughly $2350 anually...of course subject to ordinay income tax rate.

I think the additional record keeping and tax implications should be worth it. No?
Question Deals
g: 0 Posted By: DaysFan
Views: 177 Replies: 0 http://www.rei.com/outlet/
Merrell Mix Master Tuff Trail-Running Shoes - Men's - 2013 OverstockBalanced between traditional shoes and barefoot shoes, the Merrell Mix Master Tuff Trail-Running Shoes are built to handle rugged trails when you're out for a run.

Mesh and synthetic leather uppers have bellowed tongues to keep debris from getting in
Aegis Microbe Shield antimicrobial treatment helps keep odors at bay
4mm heel-to-toe drop encourages a natural midfoot or forefoot strike to promote forward momentum and reduce the impact of heel striking
Low-profile Merrell Float EVA midsole is a touch thinner than previous Merrell midsoles for enhanced feel and responsiveness; Air Cushion heel pockets help absorb shock
3.5mm deep lugs provide good feel and traction on streets and trails
Reflective hits increase visibility in low light
Overstock

$59.73$120.00Imported.Item 868928


Shoes Deals

REI Coupons
g: 0 Posted By: ArtieLange
Views: 85 Replies: 0 Olay Regenerist Micro-Sculpting Cream $13.19 after clipping coupon at Amazon

http://www.amazon.com/Olay-Regenerist-Micro-Sculpting-Cream-Ounc...


Formulated with advanced ingredients that penetrate deep into your skin's surface to help re-energize skin
Visible wrinkle results starting day 1
Olay Regenerist Micro-Sculpting Cream reduces the look of up to 10 years of wrinkles in just 4 weeks
Increases brightness while minimizing the appearance of fine lines and wrinkles
One jar Net Wt. 1.7 oz.
g: 0 Posted By: usernamemax20charact
Views: 20 Replies: 0 Buy 5 qts of Pennzoil Platinum synthetic oil with Bosch oil filter (priced up to $9.99, higher priced filters will increase sale price) for $34.99 and get a $20 O'Reilly Auto Gift Card by mail. Price after gift card is $14.99

Price and rebate good from Jan 29 until Feb 25. Rebate must be postmarked by March 25, 2014. Limit two (2) gift cards per household/address (max. $40).

Rebate
g: 0 Posted By: remick
Views: 182 Replies: 1 http://www.amazon.com/Group-Alchemy-Elements-Successful-Collabor...

5.0 out of 5 stars (6 customer reviews)

You're passionate about making an impact ... and you know that high-level collaboration is the key. Now you can confidently and consistently create the relationships, partnerships, and groups that achieve outstanding success. Group Alchemy: The Six Elements of Highly Successful Collaboration synthesizes Deborah Pruitt's dual perspectives as anthropologist and accomplished organizational consultant into six elements proven to make groups more successful: consistently producing outstanding results and enjoying a rewarding and inspiring collaboration experience. As you work through Group Alchemy, you can take the leap to the next level and create a group culture that serves your vision. You will learn the elements of alchemy that: * Inspire people to stay focused on results and give their best. * Quickly establish the foundation for high-level collaboration with any colleague or partner. * Eliminate common hidden barriers to group success. * Prevent the typical breakdowns and frustrations in groups that put the brakes on what is possible. * Expand the impact of every group you're involved in, whether or not you're the formal leader. * Increase your personal impact in all your relationships. With the group alchemy formula you can consistently generate the communication and trust necessary for truly successful collaboration--the kind where people personally invest in the group's goals and aspirations and are willing to do what it takes to reach them. This is the promise of group alchemy, a promise the author has seen fulfilled time and again in groups that engage this method. Let your group be next!
Books Deals

Amazon Coupons
g: 0 Posted By: ArtieLange
Views: 116 Replies: 0 Four Piece 2 1/4" Herb, Spice, Tobacco, etc Grinder (Lifetime Warranty, Bulk Packaging) $5.90 shipped at Amazon

http://www.amazon.com/Tobacco-Grinder-Lifetime-Warranty-Packagin...

Gator Crunch - Quality you know and trust!
Powerful neodymium magnets for tight closure.
Latest model with increased number of diamond shaped teeth for more consistent grinding
30 Teeth in upper section. 24 Teeth in lower section. 44 precision cut holes allow sufficiently ground matter to drop through.
Lifetime warranty provided by Gator Crunch covers against material defect and workmanship

Home & Garden Deals

Amazon Coupons
HP LaserJet Pro P1606dn Printer - Save $60 or ~28%
Added on : Thursday January 30th 2014 04:00:04 PM
g: -2 Posted By: jamescarmona
Views: 194 Replies: 1 Price:$209.99
After savings:$149.99*
Save $ 60.00 or 28.6%**

http://www.shopping.hp.com/en_US/home-office/-/products/Printers...

Overview

Boost capabilities and efficiencies. Easily share the printer with built-in Ethernet networking, and save with automatic two-sided printing. Plus, stay productive on the go and print from virtually anywhere with HP ePrint. Print exceptional documents in black at up to 26 ppm letter/25 ppm A4 with a first page out in as fast as 7 seconds. Save energy and money with Instant-on Technology and HP Auto-On/Auto-Off Technology. Plug and printno CD required with HP Smart Install.

Increase office efficiency with Ethernet networking, easy HP ePrint mobile printing and automatic two-sided printing. Plug and print with HP Smart Install. Cut costs and energy with Instant-on Technology and HP Auto-On/Auto-Off Technology.
laser printers Deals

HP Home Coupons
Ozark Trail Agadez 20-Person 10 Room Tunnel Tent $449.00 @ www.walmart.com
Added on : Wednesday January 29th 2014 02:00:09 AM
g: 0 Posted By: jaymanthegreat
Views: 165 Replies: 0 Ozark Trail Agadez 20-Person 10 Room Tunnel Tent $449.00

Was: $597.00

Item Description:

The tent is a spacious design with plenty of rooms. Living area has double entrances for easy access. Large clear PVC windows are for increased visibility. The seams are taped to prevent water leakage and the fabrics are fire retardant for safety.
Ozark Trail Agadez 34' x 17.7' x 6.9' Tent, Sleeps 20, Tent Pole:
20-person tent
Fire retardant, double skin with taped seams
Adjustable straps
Carry bag included
Material: fiber glass, steel
Height: 82.68"
Weight: 118.27 lbs
Model#: AGADEZ

http://www.walmart.com/ip/Ozark-Trail-Agadez-20-Person-10-Room-T...
Camping Deals

Walmart Coupons
Fiskars 7857 X15 23.5-Inch Chopping Axe
Added on : Wednesday January 29th 2014 01:00:06 AM
g: 0 Posted By: TomPtz
Views: 109 Replies: 0 Fiskars 7857 X15 23.5-Inch Chopping Axe
List Price: $49.99
Price: $35.04 & FREE Shipping. Details
You Save: $14.95 (30%)
In Stock. Ships from and sold by Amazon.com.
Gift-wrap available.
Want it tomorrow, Jan. 30? Order within 10 hrs 41 minsand choose One-Day Shipping at checkout. Details

All-purpose chopping axe makes felling small trees and chopping logs of virtually any size quick and easy
Chops up to three times deeper than a traditional axe to chop more faster
Perfected balance and power-to-weight ratio increases swing speed to multiply power, much like an aluminum baseball bat
Ultra-sharp blade with a low-friction coating powers through wood
Stronger-than-steel FiberComp handle won't break through overstrike, and the PermaHead insert-molded axe head will not loosen or fly off

Tools Deals

Amazon Coupons
Fiskars 7850 X7 14-Inch Hatchet
Added on : Wednesday January 29th 2014 12:00:03 AM
g: 0 Posted By: TomPtz
Views: 25 Replies: 0 Fiskars 7850 X7 14-Inch Hatchet
by Fiskars
List Price: $29.99 Price: $25.97 & FREE Shipping on orders over $35. Details You Save: $4.02 (13%)
In Stock. Ships from and sold by Amazon.com. Gift-wrap available.

Easy-to-carry hatchet is perfect for hikers and outdoor enthusiasts who chop kindling and small- to medium-sized logs
Chops up to three times deeper than a traditional axe to chop more efficiently
Perfected balance and power-to-weight ratio increases swing speed to multiply power, much like an aluminum baseball bat
Ultra-sharp blade with a low-friction coating powers through wood
Stronger-than-steel FiberComp handle won;t break through overstrike, and the PermaHead insert-molded axe head will not loosen or fly off

Tools Deals

Amazon Coupons
g: 0 Posted By: tedhawkins
Views: 184 Replies: 0 Vortex Crossfire II Riflescope 6-18x44 AO (V-Plex Reticle) Matte Black + Pen + Hat + Rings $209.99 + Free shipping

http://www.gearhog.com/

Deal Overview
Optical Features:
Fully Multi-Coated Lenses - Increase light transmission with multiple anti-reflective coatings on all air-to-glass surfaces.

Construction Features:
One-Inch Tube - Standard tube diameter for most American riflescopes.
One-Piece Tube - Maximizes alignment for improved accuracy and optimum visual performance as well as strength and waterproofness.
Aircraft-Grade Aluminum - Premium grade of aluminum, valued for fatigue resistance.
Capped Turrets - Is less susceptible to accidental impact damage.
Adjustable Objective - Uses an adjustment mechanism on the objective lens to fine-tune focus for the purpose of reducing parallax shooting error.
Reset Turrets - Allow re-indexing of the turret housing to zero after sighting in the riflescope--generally requires use of a coin or wrench.
Waterproof - o-ring seals prevent moisture, dust, and debris from getting inside the tube for reliable performance in all environments.
Fogproof - Filled with nitrogen gas to inhibit internal fogging.
Shockproof - Lenses are locked in place, fore and aft, with machined locking rings to remain in perfect alignment and withstand recoil and impact.
Hard Anodized Finish - Hard-coat anodization is durable; the low-glare matte helps camouflage the shooter's position.
Guns & Ammo Deals
g: 0 Posted By: idfubar
Views: 128 Replies: 2 RingPlus (Sprint MVNO) has announced a new "free" (ad-supported) plan for 2014 which will be available on 2/10 @ 8AM PST:

100 domestic minutes
30 domestic & international SMS
10 MB of data

Note that the terms of the free plan are strict (my 2013 plan was reclaimed without warning for insufficient use), different from the 2013 plan (people who have the 2013 plan have a different allotment and terms by which to abide), and that the plans are subject to change (increased allocation of resources and/or changes to terms and conditions); also, you can now add funds to your account to purchase something like insurance ("Free Card") - the $4.50 spent will keep your account from being yanked like mine was for one billing cycle (violations of the minimum use policy only).

PS: The thread for the "2013 Free" plan is posted at:

http://www.fullofdeals.com/forums/expired-deals/1294344/

PPS: The thread for the $1.99 plan which was announced around the same time (and some links to two older FW threads with details of inexpensive plans) is at:

http://www.fullofdeals.com/forums/hot-deals/1337239/
Services Deals
g: 1 Posted By: BigReader
Views: 306 Replies: 0 Jean Ecrivain's NEW bookA Taste for the Night Book 2 Settling In

on Kindle Countdown Sale for book's official launch

Regularly $3.99 U.S.on sale for 99 cents.

U.S. http://www.amazon.com/dp/B00H5TB5XU
U.K. https://www.amazon.co.uk/dp/B00H5TB5XU

Warning ...This book contains adult themes and situations including graphic language, bondage, BDSM , sex slaves, BDSMxxx, domination, submission, XXX situations, lesbianism, threesomes, and rough sex.

Not all vampires drink blood ...
What if you were raised to be the servant of a vampire?
Meet Chantelle, an ordinary girl living an ordinary life in a not so ordinary little town. Every ten years a sexual sacrifice is presented to the incubus that protects and sustains the town.

Please note (since there seems to be some confusion) ...
This book is on Kindle Countdown deal only. The initial price is $0.99 and every day or so it will increase in price by $1. It is not free, however, since the regular price is $3.99 that is a hot deal of roughly 75% off. (BTW -All Kindle Countdown deals work this way only the amounts change).

Books Deals

Amazon Coupons
g: 0 Posted By: tedhawkins
Views: 123 Replies: 0 Louis Garneau Women's Elite Lazer Tek 2 Tri Shorts $39.99 performance bike

http://www.performancebike.com/bikes/Product_10052_10551_1132263...

Louis Garneau Women's Elite Lazer Tek 2 Tri Shorts

Wind Tunnel tested for proven aerodynamics, the Elite Lazer Tek 2 Tri women's shorts give triathletes the compressive fit of several advanced fabrics and the lightweight, quick-drying performance of the Tri Elite chamois. Comfortable insert accommodates the run, bike and swim, plus it features an antibacterial top layer which accelerates wound healing and helps tissue regeneration. HuggFit waist with drawstring supports abdominal muscles, Aero Lazer thigh bands provide streamlined compression and back pocket is perfect for stashing your keys.
Reflexx fabric with UPF 50 and coldblack technology is soft, breathable, moisture-wicking and chlorine-resistant
coldblack finish allows the heat to be reflected, unlike common dark textiles which absorb heat, to prevent overheating, even during physical activity
Tri-Rev fabric (lower sides) with UPF 50 and high spandex content is chlorine-resistant, quick-drying, abrasion-resistant, and features lightweight, opaque facing for exceptional brilliance
Carbon-X Mesh panels (upper sides/back pocket) with UPF 50 and DWR treatment maximize muscle compression, increase circulation, provide good ventilation, eliminate chafing and offer protection from acid smog and static energy
Lazer Rev fabric (thigh openings) with UPF 50 for seamless support and enhanced compression
Ergonomic 8-panel design for excellent muscle compression
Tri Elite chamois:
Lightweight
4-way stretch fits the range of motion required in triathlon
Quick-drying and breathable
Provides great support during the bike ride
Maintains comfort during the run and swim
Crabyon fabric (in chamois):
Used in the practice of medicine
Antibacterial, completely biodegradable and allergy-tested
Accelerates wound healing
Can be applied on burns and helps tissues regenerate
Enhances the body's immunity to disease
Lowers high blood pressure
Wicks moisture
Allows slow and steady release of chamois lotion for maximum efficiency
HuggFit waist with elastic drawstring distributes pressure evenly for better abdominal support
Crotch panel increases mobility
Reflective logo on back adds visibility
Aero Lazer thigh bands increase aerodynamics and muscle supp
Clothing Deals

Performance Bicycle Coupons
g: 0 Posted By: tedhawkins
Views: 71 Replies: 0 Supreme Garcinia Cambogia Extract - 90 Weight Loss Pills(60% OFF with code) $14 + Free shipping

http://www.amazon.com/Supreme-Garcinia-Cambogia-Extract-Suppress...

Save 60% each on Supreme Garcinia Cambogia offered by Wellness Bioscience when you purchase 1 or more. Enter code PROMMO60 at checkout.

CLINICALLY PROVEN GARCINIA CAMBOGIA HCA: Non-Stimulating Garcinia Cambogia Extract standardized to 60% HCA (Hydroxycitric Acid), bound to Calcium and Potassium for better absorption - 1000mg per serving and 90 vegetarian capsules per bottle.
ALL NATURAL WEIGHT LOSS APPETITE SUPPRESSANT: No Additives, no Fillers, and no Artificial Ingredients.
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GARCINIA CAMBOGIA DIET PILLS ARE: Made in USA following the highest cGMP manufacturing standards.
Health Deals

Amazon Coupons
g: 0 Posted By: mpattdu
Views: 94 Replies: 0 It's that time of year again...flooring sale time at Costco!
Normal price is $79.99 (up $10 from last year) with $20 instant rebate making it $59.99/box. This sale price reflects an increase of$0.31/sqft compared to last year but still seems like a good deal. You get 28.98 sqft per box. Item# 586620. Sale ends 2/23/14. Tax is on pre-rebate price.

There was a pretty good discussion about this stuff last year. Here is the archived thread(thanks UMMATI). Here is the website for the flooring.If anyone put this stuff in I'm interested to hear how you like it.
Home & Garden Deals
Chase Freedom instant credit increase - targeted offer
Added on : Friday January 24th 2014 02:00:04 AM
g: 0 Posted By: damastaodisasta
Views: 83 Replies: 0 I received the following email this morning - be on the lookout for yours:
Chase Email said: As one of our best customers, were offering you a fast and hassle-free way
to increase the credit line* on your Chase Freedom credit card.

Here's how easy it is to request your credit line increase:

1. Log in to our secure website by January 31, 2014

2. Enter your annual income

3. Get an instant decision



Its really that simple. Theres no hassle or credit report check!
I went from 2k to 3k (despite having $xxk on a number of other CC's), but this is the first time I've ever had a CLI offer from chase.
Deal Deals
Antec Case Fans - From $2.49 @ Staples + FS for Rewards Members
Added on : Wednesday January 22nd 2014 01:00:02 PM
g: 0 Posted By: heyyl0w
Views: 136 Replies: 0 Staples has Antec Case Fansfrom $2.49 with free shipping for Rewards Members.

Some options:

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

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


Antec TriCool 92mm DBB Cooling Fan - $4.99

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

Computers Deals

Staples Coupons
Financial Advice After Insurance Settlement
Added on : Monday January 20th 2014 06:00:08 PM
g: 0 Posted By: tylerAlwaysAdvancing
Views: 83 Replies: 1 First off, thanks for taking the time to read this and respond with any advice. I am a 23 year old recent college graduate. I am engaged and work as a region rep for my fathers small business he started 14 years ago. I rent an apartment with hopes of buying a home in Summer 14.

Recently I was involved in an wheeler accident with zero fault on my part. I suffered back injuries, nothing major but still very much so significant. I am expecting anywhere from 300k-600k in a settlement. I have a top attorney doing his job, all the information has been provided its in their hands.

I am wanting advice on options for me and my soon to be family here in the near future. I have zero college loans or credit debt. I own my current car (after the accident took mine and left me with cash to buy another). I currently have no investments, savings, retirement funds or anything. I have roughly 10k in the bank and my fiance is a school teacher making a living while having no expenses all through hs/college/and young profession other than a car payment. (scholarship, no school debt) she has a nice sum in her bank. I will make around 50k this year and should increase 15-20% a year after that.

The #1 thing to do is purchase my first home. I believe it is in my best interest to purchase my home by paying cash without worrying about mortgages. My budget we will say is 250k.
After that I am running laps around my head trying to figure out what to do first; insurance, retirement, investments, kids college funds etc. and how much to really dive into that right away.

Obviously I need money set aside if my back injury takes a bad turn later down the road.. I will eventually own my fathers company and insurance won't be easy to come by (fiance dreams of stay a home mom) I want to be as prepared as possible going into this.

Any advice would be appreciated.
Personal Finance Deals
g: -1 Posted By: tedhawkins
Views: 177 Replies: 0 Organic Vitamin C Serum for Radiant, Supple and Youthful Skin (40% OFF) $17.97 FS Prime

http://www.amazon.com/Hyaluronic-Guaranteed-Anti-aging-Anti-wrin...

Apply 40% OFF code GRGVAJKT

The 7 Benefits You Will Reap From This Powerful Vitamin C Serum If You REALLY Want Exceptional Skin

1. Increases your skins firmness and elasticity through the synthesis of collagen production for an instant youthful appearance
2. Diminishes and reduces the appearance of fine lines, wrinkles, and enlarged pore size
3. Smoothens your skins texture - leaving it soft as a baby
4. Exfoliates and rehydrates the dry, dehydrated skin for a more moisturized and plumped skin
5. Vitamin C's natural exfoliating properties brightens the skin - revealing a glowing and vibrant complexion
6. Lightens sun spots, dark spots, brown spots and discoloration caused from accumulative environmental exposure by blocking melatonin production
7. Provides antioxidant protection from free radicals end environmental damage such as the sun, pollution, and smok
Beauty Deals

Amazon Coupons
Dewalt 14" Cut-Off Tool (D28755) - $398 + FS @ eBay (list price $689)
Added on : Monday January 20th 2014 05:00:04 PM
g: 0 Posted By: heyyl0w
Views: 204 Replies: 0 CPO-Outlets (via eBay) has the Dewalt 14" Cut-Off Tool (D28755)for $398 with free shipping. List price is $689. Next lowest price I could find this was $418 on Amazon.

Mixed reviews out of the 4 on Amazon, I'm currently looking for more elsewhere.

15.0 Amp/5.3 HP (maximum motor HP) motor provides high power and speed for metal and concrete cutting
Epoxy coated field and armature provide long service life against abrasion from airborne debris
Rotation directs sparks and debris towards the front of the tool and helps prevent climbing in the cut
Dust duct provides access to dust extraction while cutting concrete
Soft start extends gear and motor life by reducing start up torque dust-sealed switch protects against dust ingestion for longer switch life
Dust-sealed switch protects against dust ingestion for longer switch life
Automatic turn-off brushes shut down the tool when brushes need to be changed to avoid tool damage
Adjustable guard for different cutting depths mounted at two points to maintain proper alignment
2-wire double insulated S-jacket rubber cord provides increased durability and life in hot or cold climates
Spindle lock button for fast, easy wheel changing

Tools Deals

eBay Coupons
Corsair Hydro Series H100i Liquid CPU Cooler - $79.99 w/ FS @ Amazon
Added on : Monday January 20th 2014 11:00:03 AM
g: 0 Posted By: stoporder
Views: 250 Replies: 0 No coupons or rebates required. This is even $10 less than they have the H80i listed for:

http://www.amazon.com/Corsair-Series-Extreme-Performance-Liquid/...

Dual length 240mm radiator for increased surface area and cooling potential
Integrated Corsair Link? functionality allows you to adjust fan speed profiles and lighting, and monitor coolant temp via the free Corsair Link Dashboard software download
Two SP120L High Performance fans optimize static pressure at a reduced noise level for amazing performance
Large-diameter, low permeability tubing ensures long life and improves flexibility for an easier installation
A new improved micro-channel cold-plate design more efficiently transfers heat
Includes mounting hardware compatible with all modern CPU socket designs
Quick and easy magnetic installation brackets make it easier than ever to upgrade to water-cooling

Computers Deals

Amazon Coupons
Elite Qubo Fluid Trainer $149.99 @ performance bike
Added on : Sunday January 19th 2014 06:00:06 AM
g: 0 Posted By: tedhawkins
Views: 100 Replies: 0 Elite Qubo Fluid Trainer $149.99 @ performance bike

http://www.performancebike.com/webapp/wcs/stores/servlet/Product...

Elite Qubo Fluid Trainer

More powerful than a standard fluid unit, the Elite Qubo Fluid is the quietest, most powerful and easiest trainer there is. Qubo frame is easy to setup, since roller pressure is automatically determined by rider weight -- no calibration required! Progressive fluid resistance changes as you pedal faster or slower, giving you the same smooth performance you feel on the road. Fast Fixing system allows clamping and release of the bike with a single hand. Elite's most powerful fluid unit eliminates the work of adjustment and setup, so you can concentrate on the ride.


Power-Up Your Workout With The My E-Training App! Click Here.
Fluid resistance produces progressive resistance that increases as your wheel speed increases, so the faster you ride, the harder you have to work -- just like the road
Generates a greater range of resistance from low to high, especially at high speeds
Increased range of leaning area and optimal bike+athlete center-of-mass in relation to the frame improves stability and allows safer training at high speeds and power outputs
Large flywheel is completely immersed in oil, so high resistance levels can be obtained at low speeds
Qubo frame:
Cutting-edge design combines the strength of steel with the high-tech benefits of modern plastics
Automatically makes wheel contact by stepping on the bike
Folds compactly for storage or transport
Fast Fixing clamping system with an automatic locking lever and one-handed approach for easy, safe and fast bike attachment and removal
Accommodates most road and mountain bikes
Compatible with the My E-Training App, a virtual Coach that manages power, pedal cadence, heart rate, speed, time and distance directly from your Smartphone or Apple tablet
Bicycle Deals

Performance Bicycle Coupons
Linksys RE1000 Wireless-N Range Extender - $69.99
Added on : Saturday January 18th 2014 09:00:13 AM
With the Linksys RE1000 Wireless-N Range Extender, easily increase wireless network coverage throughout your home.
Life Insurance - VUL Cost of Insurance Past Age 65?
Added on : Friday January 17th 2014 05:00:12 PM
g: 0 Posted By: satchi
Views: 146 Replies: 0 Hi, I am in a situation where my dad's life insurance agent is recommending me to switch from a variable universal life insurance (VUL) to universal life (UL). I am the beneficiary as well as the account owner so I take care of the policy. The reason why the agent recommends the switch is because the current policy (VUL) is coming to a point where the fees 'MAY' exponentially increase, up to the point where the current premiums will no longer be enough to keep the policy alive.

That's where my question comes in. I asked the agent to show me a chart or something that shows this increase of fees over the coming years so I can plan for it, but he is unable to do so or appears to be side-stepping my question. I just wanted to know if anyone currently has a VUL past 65 and typically how much are the cost of insurance fees then? Currently my dad is 61 and his fees are just roughly $450 which is very much manageable, but I'm not so sure later on.

VUL (Current Policy)
$100,000 death benefit
$1000/yr premium (currently $450/yr goes to fees and the rest becomes cash value)
$900 cash value currently in policy.

UL (Recommended Policy by Agent to switch)
$250,000 death benefit
$2400/yr premium (from my understanding UL premiums are set and do not change?)

I have done quite a bit of VUL insurance reading on this forum so I kind of understand the true reason for getting a VUL, but my situation is a little bit different such that the VUL does not have much cash value left in it so the current plan for my dad's VUL is to keep the policy alive simply for the 'life insurance' part of it.

Any insights is much appreciated. Thanks in advance!

Personal Finance Deals
g: 0 Posted By: heyyl0w
Views: 70 Replies: 0 Buy.com (via eBay) has the Sandisk Ultra Plus 256GB SATA III Solid State Drive for $129.99 with free shipping. Did well here a month ago for $10 more. Review: Amazon.

Increased performance for faster boot and application load times
Increased reliability and durability over traditional hard drives
Consistently high data transfer speeds
Operating temperature: -32 Degree F to 158 Degree F (0 Degree C to 70 Degree C)
Power Consumption (active): 0.12w
Shock Resistant: up to 1500 G @ 0.5 m/sec

Tech Specs

Product Type Solid State Drive
Manufacturer Part Number SDSSDHP-256G-G25
Manufacturer SanDisk Corporation
Product Name Solid State Drive
Brand Name SanDisk
Drive Type Internal
Storage Capacity 256 GB

SSD Deals

eBay Coupons
g: 7 Posted By: remick
Views: 481 Replies: 0 Jazz Guitar Chord System (By the Root)

http://www.amazon.com/Jazz-Guitar-Chord-System-Root-ebook/dp/B00HQY93YC

The Jazz Guitar Chord System is a simple yet effective way for guitarists to learn multiple chord vocings.
Ryan Belisle's Chords by the Root system has instant application so you are actually playing while you learn. This system is easy to understand and will rapidly expand your chord knowledge.
Learn only functional chord vocabulary. Improve your sight reading for charts and complex chord progressions. Develop a detailed "Mental Fretboard" that increases your ability to play what YOU want to hear!
Create interesting and inspiring harmonies for soloists. Learn and understand Inversions and Slash Chords.
Gain an intimate understanding of the Harmonized Major Scale.
The Jazz Guitar Chord System will provide a framework for understanding and organizing the many possibilities of the guitar.
Provides a simple transition to all styles of guitar music.



Arpeggio Mastery (By the Root) [Kindle Edition]
http://www.amazon.com/Arpeggio-Mastery-Root-Ryan-Belisle-ebook/dp/B00HQYDM1W

Are you stuck in a soloing rut? Do all of your improvised lines sound the same? Sick of playing scales from boxes? Then you need Arpeggio Mastery!
Break away from your uninspired soloing habits and begin studing arpeggios today.
Arpeggios are the link between scales and chords. Arpeggio Mastery provides an easy reference for learning all your Major7, Minor7, Dominant7 and m7(b5) arpeggios over the entire fretboard.
Arpeggio Mastery contains 1 and 2 octave arpeggio patterns, 1st,2nd, and 3rd inversions for all arpeggio chord types within the Harmonized Major Scale.
Try Arpeggio Mastery today and add that missing link to your solos!



Also free at the time of posting:

The 5 Day Guitar Solo Method - Everything You Need to Play Guitar Solos like a Pro
http://www.amazon.com/gp/product/B00BVSC2WY

4.6 out of 5 stars (5 customer reviews)


Books Deals

Amazon Coupons
g: 1 Posted By: remick
Views: 72 Replies: 0 Jazz Guitar Chord System (By the Root)

http://www.amazon.com/Jazz-Guitar-Chord-System-Root-ebook/dp/B00HQY93YC

The Jazz Guitar Chord System is a simple yet effective way for guitarists to learn multiple chord vocings.
Ryan Belisle's Chords by the Root system has instant application so you are actually playing while you learn. This system is easy to understand and will rapidly expand your chord knowledge.
Learn only functional chord vocabulary. Improve your sight reading for charts and complex chord progressions. Develop a detailed "Mental Fretboard" that increases your ability to play what YOU want to hear!
Create interesting and inspiring harmonies for soloists. Learn and understand Inversions and Slash Chords.
Gain an intimate understanding of the Harmonized Major Scale.
The Jazz Guitar Chord System will provide a framework for understanding and organizing the many possibilities of the guitar.
Provides a simple transition to all styles of guitar music.



Arpeggio Mastery (By the Root) [Kindle Edition]
http://www.amazon.com/Arpeggio-Mastery-Root-Ryan-Belisle-ebook/dp/B00HQYDM1W

Are you stuck in a soloing rut? Do all of your improvised lines sound the same? Sick of playing scales from boxes? Then you need Arpeggio Mastery!
Break away from your uninspired soloing habits and begin studing arpeggios today.
Arpeggios are the link between scales and chords. Arpeggio Mastery provides an easy reference for learning all your Major7, Minor7, Dominant7 and m7(b5) arpeggios over the entire fretboard.
Arpeggio Mastery contains 1 and 2 octave arpeggio patterns, 1st,2nd, and 3rd inversions for all arpeggio chord types within the Harmonized Major Scale.
Try Arpeggio Mastery today and add that missing link to your solos!



Also free at the time of posting:

The 5 Day Guitar Solo Method - Everything You Need to Play Guitar Solos like a Pro
http://www.amazon.com/gp/product/B00BVSC2WY

4.6 out of 5 stars (5 customer reviews)


Books Deals

Amazon Coupons
Warehouse Liquidation Sale - Save up to 70% Off @ harborfreight.com
Added on : Thursday January 16th 2014 02:00:02 AM
g: 0 Posted By: Deals4mykids
Views: 57 Replies: 0 http://www.harborfreight.com/warehouse-sale.html

We have one of these stores near us locally. We have bought quite a few things here in recent weeks. It is great for those just starting out. One thing to point out is that they leave out things which increase the price in the long run. We are going to buy a circular saw from them this week to use for a DIY project. The saw does not come with a blade in box. My husband doesn't mind that because he will just get a blade he needs. Something else we looked at didn't come with the battery and charger. It is sold separately. It's those little things that add to the price but in most cases they beat the big stores in price still. If you keep your eye out for the sales you will do great. We bought a cart for the garage to hold a chainsaw and suppies for well under the price anywhere else and it was perfect for our needs.
g: 0 Posted By: heyyl0w
Views: 257 Replies: 0 Newegg has the Opteka 0.35x HD Wide Angle Fisheye Lens for Canon EOS DSLR Camerasfor $19.99 with free shipping. Review: Amazon


The new Opteka High Definition .35x Ultra Wide Angle Fisheye Converter Lens increases the versatility of your existing lens to provide breathtaking ultra wide angle views. And it's so easy to use! Additionally the built-in detachable macro lens allows you to take extreme high resolution close-up shots! Nothing changes the way you see the world like High Definition and no company does High Definition like Opteka. Opteka's glass optics define High Definition. Change the way you view the world. Enjoy outstanding detail, enjoy enhanced clarity, enjoy Opteka!

Opteka .35x HD Super Wide Angle Macro Fisheye Lens. Direct 52mm mount; Adapters for 58mm included.
High Definition - 2 times the resolution of standard high definition lenses
Professional High Speed Auto Focus, Full Panoramic Capability, High Quality Crystal Optics, & AF Infrared Compatible
Lens front Thread 67mm, 8 Element Lens, 180 Degree Capability

SLR & dSLR Deals

Newegg Coupons
g: 0 Posted By: remick
Views: 148 Replies: 0 http://www.amazon.com/dp/B00ATXL4YY/

4.2 out of 5 stars (10 customer reviews)
Totally Free Deals
g: 0 Posted By: bittul
Views: 119 Replies: 0 40% off coupon: http://www.amazon.com/gp/coupon/ozeri-bp4m-cardiotech-premium-series/ABHMWYGYF9ZMD

Product link: www.amazon.com/gp/product/B009RB7TAM


Portable, accurate, and simple-to-use arm cuff design with clinically proven technology.
Advanced Color-coded Hypertension Indicator that color codes the Systolic and Diastolic readings according to green (normal), orange (prehypertension) and red (hypertension) levels.
Stores 80 blood pressure readings (40 x 2 users) with date and time recordings.
Fully automatic inflation and dynamic measurement technology that varies the inflation process according to real-time blood pressure detection to reduce measurement time and increase user comfort.
Automatic irregular heartbeat (Arrhythmia) detection and new push-button access to averaged blood pressure readings.

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

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

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

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

Personal Finance Deals
Massage - 50% Off (Windermere, FL)
Added on : Monday January 13th 2014 05:00:04 AM
g: 0 Posted By: TomPtz
Views: 175 Replies: 0 Half off Swedish and Cupping Massage in Windermere at 7L Bliss Massage!
Highlights:

Get your relaxation on and grab this deal while it is available- half off swedish and rubber cupping massage in Windermere, only at 7L Bliss Massage!
Acucups are great for deep tissue massage; they have a sedative effect and will leave your patient extremely relaxed.
The cups will increase blood circulation leaving the skin with a smooth look and healthy glow.


Fine Print:

Full promotional value of certificate must be used at time of purchase; no Cash Back.
Promotional value expires 7/16/14.
Appointment required, and gratuity not included.

Company Info:
7L Bliss Massage

,

Windermere, FL 34786
321-662-7858
Complete Details:This is the PERFECT gift for that special lady or gentleman in your life, and it even makes a fantastic Valentine's Day Present! Get half off a Massage and Cupping experience at 7L Bliss Massage in Windermere! Cupping is a form of Traditional Chinese Medicine that has been practiced for over three thousand years. It involves creating suction against the skin with the use of cupping tools; usually along the bodys meridians (the energy channels according to Traditional Chinese Medicine.) Cupping works wonders for respiratory diseases, menstrual disorders, digestion, headaches, dizziness, and lymphatic blockages.Advantages of Acucups cupping therapy:

Lift connective tissue
Loosen adhesions
Release rigid soft tissue
Myofascial release
Activate the lymphatic system
Drain excess fluids
Draw out inflammation
Create toxin release
Bring blood flow to stagnant skin and muscle
Stimulate the peripheral nervous system
Improve circulation and blood flow
Reduce appearance of cellulite by toning tissue

Learn More

Services Deals
g: 0 Posted By: tedhawkins
Views: 99 Replies: 0 Vortex Crossfire II 4-12x44 (V-Plex Reticle) Matte Black with Vortex Viper 1-Inch MEDIUM Riflescope Rings Vortex Lens Pen, Vortex Hat $159.99 FS

http://www.gearhog.com/?did=67318

Deal Overview
Clearer. Tougher. Brighter. Our popular Crossfire riflescopes are completely redesigned and built to exceed the performance standards of similarly-priced riflescopes. Longer eye relief, a fast-focus eyepiece, fully multi-coated lenses and improved, resettable MOA turrets ensure optimal performance in the field. The hard anodized one-piece aircraft-grade aluminum tube is nitrogen purged and o-ring sealed for a lifetime of waterproof/fogproof performance. The Crossfires deliver -- and then some.

Optical Features:
Fully Multi-Coated Lenses - Increase light transmission with multiple anti-reflective coatings on all air-to-glass surfaces.

* One-Inch Tube - Standard tube diameter for most American riflescopes.
* One-Piece Tube - Maximizes alignment for improved accuracy and optimum visual performance as well as strength and waterproofness.
* Aircraft-Grade Aluminum - Premium grade of aluminum, valued for fatigue resistance.
Capped Turrets - Is less susceptible to accidental impact damage.
* Adjustable Objective - Uses an adjustment mechanism on the objective lens to fine-tune focus for the purpose of reducing parallax shooting error.
* Reset Turrets - Allow re-indexing of the turret housing to zero after sighting in the riflescope--generally requires use of a coin or wrench.
* Waterproof - o-ring seals prevent moisture, dust, and debris from getting inside the tube for reliable performance in all environments.
* Fogproof - Filled with nitrogen gas to inhibit internal fogging.
Shockproof - Lenses are locked in place, fore and aft, with machined locking rings to remain in perfect alignment and withstand recoil and impact.
* Hard Anodized Finish - Hard-coat anodization is durable; the low-glare matte helps camouflage the shooter's position.
Guns & Ammo Deals
Free - Injustice: Gods Among Us (Kindle Tablet Edition)
Added on : Saturday January 11th 2014 01:00:08 PM
g: 0 Posted By: remick
Views: 18 Replies: 0 http://www.amazon.com/Injustice-Among-Kindle-Tablet-Edition/dp/B...

4.6 out of 5 stars (1,954 customer reviews)

Build an epic roster of DC heroes and villains and get ready for battle in the INJUSTICE: GODS AMONG US mobile game from NetherRealm Studios. INJUSTICE: GODS AMONG US is a free to play collectible card game that allows you to build a roster of playable characters, moves and powers and enter the arena in touch based 3 on 3 combat.

MASSIVE ROSTER
Collect and play as your favorite DC Comics icons such as Batman, Green Arrow, Cyborg, Harley Quinn, Nightwing, Superman, The Flash, Wonder Woman, Green Lantern and many others. With each alternate version of these iconic characters you get a new set of moves and a whole new fight.

AMAZING GRAPHICS
Delivers next-gen graphics on your phone or tablet, with custom animations for every single hero and villain. Take the battle to Arkham Asylum, the Batcave, and other iconic locales from DC Comics, fully rendered in 3D.

LEVEL UP
Build your move set, increase your powers and beat your competition. Constantly evolve your roster to fit your style of play and put your best team forward as you take on a series of combatants.

FIGHT!
Use the touch screen mechanics of your Android devices to battle your enemies in 3 on 3 combat. Swipe and tap to perform combos and build your power to pull off special attacks and super moves taken straight from the console version of the game.

Please note: INJUSTICE: GODS AMONG US is free to play, but it contains items that can be purchased for real money.

Requires Android 3.2 or later
Toys, Games,& Collectibles Deals
Intel Core i7-3770 3.40 GHz Quad Core Processor - $289.39
Added on : Saturday January 11th 2014 09:00:14 AM
Increase the performance and efficiency of your PC with the Intel Core i7-3770 BX80637i73770 Processor.
Options for Rental Properties with Equity
Added on : Saturday January 11th 2014 09:00:14 AM
g: 0 Posted By: mricu
Views: 72 Replies: 0 I have two rental properties. The primary reason for these investments is to gain "steady" income incase things at work go wonky which is usually the case every few years in my industry. I was lucky enough to buy low and both properties have a significant positive cash flow after mortgage and expenses.

Fast forward to today. Both properties are now worth twice what I paid for. Ideally I would like to pay off the mortgages somehow so that my income is purely the rental rate I am getting for both my places. Is there an option somehow to pull equity from my homes to pay off my mortgages without having to take on another debt (which would obviously be counter productive).

Selling the properties is not an option because I'd loose the income in case of issues at work and purchasing aother propeties with the profit also will not work since prices everywhere have gone up which would make be take out another mortgage and rental rates have not increasedwith the price of the properties.
Real Estate Deals
How to use a tax credit carry forward?
Added on : Friday January 10th 2014 05:00:07 PM
g: 0 Posted By: photoshow
Views: 33 Replies: 0 I'm currently in the 15% tax bracket and have a large tax credit carry forward. My income will probably not increase enough to use the whole credit in the next few years so I was looking for ways to increase my tax liability. I currently own one house, have a taxable investment account, Roth IRA, and Roth 401k. I currently step up my cost basis annually in my investment account since I have a 0% capital gains rate. Short of getting another job or increasing earned income, what are ways I can use this credit to my advantage before it expires in a few years?
Tax Deals
ON SALE: SWAROVSKI CRYSTALLIZED� - Allure Necklace
Added on : Friday January 10th 2014 09:00:13 AM
Increase your allure with this strand of remarkable cream-colored pearls with subtle variations in color that imitate the reflection of natural light. MADE WITH SWAROVSKI® ELEMENTS
ON SALE: Francesco Biasia - Only One Color Block Leather Shoulder Bag
Added on : Friday January 10th 2014 09:00:12 AM
Francesco Biasia color block shoulder bag. This model in leather and nabuck combines great functionality with a simple look, thanks to the side-zip that allow you to increase the capacity. Made of soft leather, interprets the true metropolitan taste. Double handles with silver tone metal hardware and magnetic snap closure. Italian design.
ON SALE: Blugirl - Green Embossed Eco Patent Leather Tote
Added on : Friday January 10th 2014 09:00:12 AM
Green embossed shiny eco patent shopping tote with double handles and top zip closure. Featuring gold tone double side zip detailing that can be opened to increase bag size. Gold tone signature medallion detail & chain on front. Tonal stitching panel around bag. Interior is lined in signature fabric and has one zip and two slip pockets. Signature dust bag included.
ON SALE: Francesco Biasia - Only One Leather Shoulder Bag
Added on : Friday January 10th 2014 09:00:12 AM
Only one by Francesco Biasia. This model in leather combines great functionality with a simple look, thanks to the side zip that allow you to increase the capacity. Made of soft leather, in silver tone metal hardware, and lined in signature fabric. Magnetic snap closure. Italian design.
g: 0 Posted By: remick
Views: 0 Replies: 0 http://www.amazon.com/dp/B00HQ71WZM

This Survival Boxset contains four best selling survival books including:

The Survival Checklist
Disaster Planning
Food and Water Storage
Home and Safe Room Security

Understanding how to prepare and survive a disaster scenario often times is the difference between life and death for a family. Unfortunately, many families only have one member of the family who is well versed in survival techniques--usually the male of the household. This trend can be very dangerous and can significantly decrease your odds of survival as a family. This boxset intends to change this trend and teach every member of your family how to prepare and survive and disaster.

Whether you believe the world is heading towards more violence or you want to prepare for natural disasters, this boxset is for you. We will cover basic tips and techniques you can use to prepare and survive common natural disasters. We will also cover numerous advanced techniques to help you secure your home and survive a long term disaster. Our tips and techniques can be used in numerous disaster scenarios and will increase your odds of survival as a family.
JCB Marukai Card
Added on : Wednesday January 08th 2014 11:00:08 AM
g: 0 Posted By: rj123456
Views: 101 Replies: 0 Just got this card and saw the old posts, almost 1 year old.
It appears to work with Square without a problem.
Low credit limit (I got 3K and was told they would not increase it for 6 months).

Slow transaction posting, its been about 24 hours and I don't see the transaction yet.
Also, the website allows one to enter bank information. Is it possible to pay online midcycle to free up the credit line?
Credit Deals
2-Pack of Cellucor C4 Pre-Workout Supplements - Online Deal $44.99
Added on : Tuesday January 07th 2014 10:00:12 AM
g: -1 Posted By: puggle
Views: 194 Replies: 1 2-Pack of Cellucor C4 Pre-Workout Supplements - Online Deal2-Pack of Cellucor C4 Pre-Workout SupplementsFree shipping

2-pack of pre-workout supplement powder
Made to support vigorous workouts
Designed for rapid absorption
Beta alanine, creatine nitrate, and arginine AKG
Caffeine and vitamin B12
NO3 pump technology for increased vascularity
Multiple flavors
30 single-scoop servings per container
See a list of ingredients here

$44.99
http://www.groupon.com/deals/gg-2-pack-of-cellucor-c4-pre-workout-supplements
Health Deals

Groupon Coupons
Linksys RE1000 Wireless-N Range Extender - $59.99
Added on : Tuesday January 07th 2014 09:00:07 AM
With the Linksys RE1000 Wireless-N Range Extender, easily increase wireless network coverage throughout your home.
g: 0 Posted By: tedhawkins
Views: 0 Replies: 0 Supreme Garcinia Cambogia Extract - 90 Weight Loss Pills (75% OFF) $8.75 + Free shipping

http://www.amazon.com/Supreme-Garcinia-Cambogia-Extract-Suppress...

Save 75% each on Supreme Garcinia Cambogia offered by Wellness Bioscience when you purchase 1 or more. Enter code FATLOSSS at checkout.

CLINICALLY PROVEN GARCINIA CAMBOGIA HCA: Non-Stimulating Garcinia Cambogia Extract standardized to 60% HCA (Hydroxycitric Acid), bound to Calcium and Potassium for better absorption - 1000 mg per serving and 90 vegetarian capsules per bottle.
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GARCINIA CAMBOGIA DIET PILLS ARE: Made in USA following the highest cGMP manufacturing standards.
LOSE WEIGHT with Our Garcinia Cambogia Weight Loss Supplements or GET YOUR MONEY BACK! It is really that simple.
g: 0 Posted By: remick
Views: 6 Replies: 0 https://www.udemy.com/how-to-use-foam-roller-properly-krank-systems

coupon code - free123

Foam Rolling is a or self-myofascial release techniques used to relieve tightness and tension in the body with the use of your own body weight and a cylindrical foam roller. During exercise, the muscle group breaks down muscle fibers in order to adapt to the workout and grow stronger with continued use. However, the frequent muscle fiber use and exercise will cause friction among the muscles and develop knots, adhesions, or scar tissues and becomes the root of the soreness and tightness the body will feel. Incidentally, these side effects become the cause of why the body cannot recover quickly and prevents continuing of exercise.

KRANK Systems does not want this to prevent you from continuing your exercise routine and is the reason why we have developed different foam rolling techniques that will:

* Prevent injuries
* Reduce muscle friction and inflammation
* Soothe tight muscles
* Improve range of motion
* Improve flexibility and movement
* Increase blood flow and circulation to soft tissues
* Increase recovery process

Not only will our foam rolling techniques increase the recovery process so one can work out repeatedly without the soreness yet, it will also benefit prior to exercising for warming up and preparing the body to stand each workout.

We will also be giving our "Diet and Meal Guidline" to properly fuel your body
Services Deals
g: 4 Posted By: itsyourbirthday
Views: 336 Replies: 3 *Don't be persuaded by the "T Rowe Price customers only" in the title. Even this posting, dated Jan/03/2014,is technically only for State Farm Insurance customers.

In spirit of the ongoing State Farm Insurance link that has been floating around since 2008 (as evident here), I thought I would up the ante and provide a link to receive TurboTax 2013 Deluxe for free.

TurboTax provides these "special" links for their affiliates, one of which is State Farm Insurance. Another is T.Rowe Price. TT has thousands, upon thousands, of affiliate links, and it is my assumption that it is easier, and probably more cost effective, to simply allow these links to roll over from year to year, rather than updating them. That is how the SFI link is still active after all the years. Okay, so why did I mention T.Rowe Price? Just like SFI, TRP is also an affiliate of TT, and has their own link(s) which contain special pricing. One of those links that happens to be floating around on the World Wide Web, offers a great deal on Download Deluxe, but not so great deals on Premier, H&B and Business, unless you want to file online with TT using Premier which in that case is FREE or H&B for $54.99.

So, how great of a deal on a downloaded version of Deluxe? How about free.

Download Pricing (Federal & State): *Inlcudes free Federal e-file. State e-file additional.
Basic - Free (State Download Additional)
Deluxe - Free
Premier - $74.99
Home & Business - $79.99
Business - $129.99 (State Download Additional)

Online Filing Pricing (Federal & State): *Includes free federal and state e-file.
Basic - Free
Deluxe - Free
Premier - Free
Home & Business - $54.99
Business - N/A

I am going to guess that once TT gets hit with people connecting through the following link, they might delete the link or update the pricing. So get it while it's hot!

I can confirm that Deluxe downloaded and installed without any issues. I can also confirm that state downloaded as well, after the initial installation of Deluxe, and navigating to the State tab in the program. Enjoy.

YOU FOUND THE LINK

Fine print mumbo-jumbo from TT website...

Efiling your Personal Federal and State Tax Returns with TurboTax Online

Free Federal Efile Included Free efile is included with your purchase of TurboTax Online federal and state products.
Efiling a State Return? State efiling is free with TurboTax Online. Note: You can efile only up to five state returns per federal return.
Want to Print and Mail Instead? You can print as many copies of your federal and state returns as you need per TurboTax Online purchase.

TurboTax CD/Download

Free Federal Efile Included Theres no additional cost to efile your federal tax returns. Efiling your state personal return(s) costs $19.99 per efile.**
Efiling a State Return? Efiling your state return costs $19.99 per state efile.** Note: You can efile only up to three state returns per federal return.
Want to Print and Mail Instead? No problem. Prepare and print as many additional returns as you like for no additional charge.
Filing Multiple Returns? Its easy. Prepare federal returns and efile up to five federal tax returns (the limit set by the IRS) at no additional cost.

Efiling Your Business Returns

Efile Included Federal and state efile is included with TurboTax Business and Business State products (each sold separately).
Filing for Multiple Businesses? You can efile up to five federal returns at no additional charge.

*Fastest refund with efile and direct deposit; refund timeframes will vary.
**Prices are subject to change without notice. State efile is an additional fee.Efile fees do not apply to New York state returns.

This comment confuses me though...

Try it for Free/Pay when you file: Price increase expected on 03/22/14 unless you've received a valid special discount offerin which case comparison is based on your specified discount, which may expire before 03/22/14 (see your discount offer details for more info). Actual prices for our online products are determined at the time of print or efile and are subject to change without notice.
Tax Software Deals

TurboTax Coupons
'Cars on American Roads are Older Than Ever' (WSJ)
Added on : Friday January 03rd 2014 11:00:19 AM
g: 0 Posted By: tuphat
Views: 0 Replies: 0 Excerpt:

Vehicles on U.S. roads have never been older, now averaging 11.3 years, as the quality of vehicle construction has improved and the economic slowdown of the past four years combined to keep people in vehicles longer, according to recent research from IHS Automotive.

The average age of a vehicle will continue to increase over the next few years, but at a slower pace, rising to a forecasted 11.5 years through 2018.

http://blogs.wsj.com/corporate-intelligence/2013/12/26/cars-on-a...
g: 0 Posted By: TheDiggler
Views: 110 Replies: 2 http://www.fkfcu.org/visa-promo.html
0% APR promotion applies to new and existing VISA accounts (Student VISA excluded). Transfers ($500 - $25,000) made between January 1 to March 31, 2014. Does not apply to balance transfers from existing Fort Knox Federal Credit Union VISA card accounts. 0% APR is effective for six (6) months from the first qualifying balance transfer date. Cash Back rebates on VISA Platinum only. 5.00% off gas purchases paid at the pump. All rebates will not be shown at the time of purchase but will appear on your monthly billing statement.

FKFCU (often pronounced FuK-FuC-U) is arguably one of the most incompetent FCU's out there. They are also one of the strictest with theirCC approvals:

1. You need to furnish them w/ proof of income (by faxing or snail mailing paycheck stubs). If you don't have paycheck stubs (such as some self employed and/or high net worth individuals), you may be SOL (part of FKFCU's incompetence).

2. New members are limited to a maximum CL of $2,000. After you're a member for a year or so, you can requested a CL increase (up to $25K), but that would entail another HARD PULL against your CR at that time.

3. Like almost any other FCU, youfirst need to become an FKFCU member, which costs $15(one-time $10 membership fee + $5 for one share in the CU, which I believe gets deposited into your new FKFCU savings account, so effectively $10 to join). They perform a HARD PULL when becomnig a member, but they can use that same Credit Report towards the CC application. So if you're joining to sign-up for the CC, no "extra" HARD PULL should be performed.



TL; DR - Perhaps a good deal for existing cardholders. FKFCU is incompetent & has strict CC sign-up policies. New cardholders are limited to $2K CL max. Costs$15 to join($10 membership fee + $5 into savings)
Deposits Deals
Heavy Hitters of 2013 thread
Added on : Thursday January 02nd 2014 07:00:08 AM
g: 1 Posted By: brandon032586
Views: 225 Replies: 6 I know the last thread still has recent posts in it, but I wanted to start a new for the new year. The game changer (the Dodd Frank Act; I like to call it the one act to rule them all) significantly increased profits for everyone. I have thought about this and I feel there should be three levels of HH:

Low Level: $24,000 for the year. Easily reachable with bluebird+MO

Mid level: $48,000 for the year

The 1% of HH: $96,000 or more for the year.


I just came in below the Mid level amount for the year, hoping to get to 100k for 2014, but it will be tough to do.
Discussion Deals
Sears.com has Christmas items up to 70% off, free ship to store
Added on : Thursday January 02nd 2014 06:00:05 AM
g: 1 Posted By: LiquidSilver
Views: 308 Replies: 1 Sears.com has increased the sale on seasonal items up to 70%. I saw some trees and lights at a pretty good discount. Free ship to store.

​LINK
Home & Garden Deals

Sears Coupons
g: 0 Posted By: Qacer
Views: 108 Replies: 3 I've had a retirement account since 2008. Of the salary sum throughout the years, what percentage of this sum should ideally be in my retirement account now?

A colleague said that if my retirement fund balance increase by 7% at the end of the year, then that's average. Does that mean that using the sum of my contributions to retirement from 2008 to 2013 plus 7% of this sum value as a baseline is a decent indicator of whether my retirement investments are performing okay?


Personal Finance Deals
Career Thoughts and Compensation - 2013 Edition
Added on : Sunday December 29th 2013 07:00:08 AM
g: 0 Posted By: zhelder
Views: 250 Replies: 1 Greetings and Happy New Year! It's time to start the 2013 Career Thoughts and Compensation Thread! I started doing these threads annually on the FatWallet Finance board in 2006. When I originally started this thread, I thought that it could serve as a great resource for people to learn about the ups and downs of various careers, including information such as salaries and benefits. Over the years, a wide variety of people in all sorts of careers have contributed to these threads, and it's my hope that these threads have proven to be a valuable resource for those who are contemplating their career options.

DA RULES:

If you participate, please try to keep this a positive, informative thread, and let's not get into any arguments about how one's career/education/compensation makes him/her superior/inferior to other people. Please do not insult people by claiming they are overpaid, do no work, etc. Contribute as much or as little information as you're comfortable sharing, but please be honest so that this may serve as a truly informative thread for people mulling their career options.

So, now that the ground rules have been set, how did your job go this year? Did things go well or not so well? How well were you compensated for 2013? Did the poor (but allegedly improving) economy have a serious effect on your career? Maybe each person can give a brief description of themselves, their job, their education levels, and their salaries, present and maybe even projected salaries for the future. As always, since I'm starting the thread, I have to bite first:

Gender: Male

Age: 41

Location: Northern NJ

Occupation: Urban Educator (My fancy title for a teacher in a city of low socioeconomic standing)

Education: M.A., plus 33 additional credits

2013 Compensation: $101,600 - Pretty much base pay. Not too much extra $$$ this year.

Future Salary Projection: Not too much further to go from here in my current position. Salary will go up maybe $3000 next year. Then, it might go up $1700 or $1800 per year.

Benefits: Full medical, although teachers in NJ now have to pay a percentage of their salaries for their medical benefits. (It's currently based on a sliding scale, based on income, but no less than 1.5% of base salary.) We get modest dental, generous sick and personal time, a decent pension plan (at least if the state doesn't default on the benefits). While teachers still get tenure in most states, the protections afforded by tenure have been significantly weakened in many states, including NJ.

What's the job like?

Very difficult and getting more difficult by the year. Tremendously long hours, almost no down time during the school day (I don't take lunch very often), lots of work at home, deplorable working conditions, with some classrooms reaching temperatures of 90+ degrees and others below freezing. You will also most likely need to spend a decent amount of money on supplies for students because your school won't provide them, even though they insist on your using them. Very little respect and support from most supervisors, parents, and students, although I will admit that things seem to have gotten a hair better between teachers and administration in my district (overall, anyway).

Revision of tenure laws and new evaluation systems have made a very difficult job even more difficult.

Would you recommend the career to others?

Every year, my recommendation for entering education has become a little less enthusiastic. At this point, I have to say that I can't recommend education as a career, at least until things change significantly. The public employee bashing in the U.S. is still strong, with teachers still at the top of the "Bash List", and it doesn't look like attitudes are going to change anytime soon.

The weakened tenure laws and new evaluation systems have exacerbated an already tough situation. IMHO, these changes aren't meant to improve educators. They're meant to enrich private corporations (the testing and evaluation companies are making gobs of money off the schools), and to make it easier to weed out older, higher paid teachers (like me).

This is not an easy job. If you're doing it correctly, it's at least a 50-60 hour a week job, and it's 50-60 hours of grueling work. Teachers in urban districts in particular have taken a real beating. They are expected to be miracle workers, solving all of our society's ills. And, sadly, new workers are likely going to suffer the most. NJ has already cut pension benefits and increased retirement ages for newer workers, and, honestly, it wouldn't surprise me to see pensions eliminated for new employees as well as two or three different salary tiers for teachers based on their time of service in the near future.

If you still want to go into education, be prepared for a very tough road ahead.
Discussion Deals
g: 0 Posted By: CptSavAHo
Views: 120 Replies: 4 I'll start by saying I already gave the employee the 'you need to lawyer up' advice, and the employee is working on finding a qualified attorney. I'll do bullet points to make this easy.

-Employee went into default on his house
-Primary mortgage at 80% got a modification program to forgive past due principle and reduce interest rate. Employee has been current on it since the modification over 6 months ago
-Secondary mortgage at 20% went into default, foreclosure, and was sold at auction (I have no idea how this happened, if employee ignored notices or it was supposed to be covered by PMI, or why it wasn't bundled into the loan modification)
-Ruthless company now owns the secondary note and is trying to force him out of his house. It will be easy profit for them as the property has appreciated in value.
-Ruthless company gave employee written notice today to be out by the 29th. After speaking with them they extended it until Friday, the 3rd, and then they will pursue court eviction.
-Ruthless company is trying to force him to sign over payoff information for the primary note. They claim to have the deed for the property and that the court will foreclose on the primary note and give them title.
-This is Denver County, Denver CO.

I have no idea if or how the secondary note sold at auction can force foreclosure and eviction. It sounds to me like they are trying high pressure scare tactics to convince employee to sign over the primary note so they can pay it off and then take the property. This is way more complicated than I am familiar with.

The way I see it employee has 3 options
1-Cooperate and possibly lose the house to scumbags but keep his credit and public record clean.
2-Try some kind of cash fire sale on the property, using whatever attorney to cash out on the increased value.
3-Retain a lawyer, fight it tooth and nail, and be hounded by the scumbags.

I encouraged employee to go route #3. Have someone home at all times, don't answer the door, and install some serious heavy duty locks.

Personal Finance Deals
American Express credit limit
Added on : Friday December 27th 2013 05:00:12 AM
g: 0 Posted By: CheapFish
Views: 33 Replies: 1 AmEx sent me an email the other day and said they'd like to increase my credit limit, and a bunch of blah-blah about good customer...

I'm not sure of my exact credit score, but I don't carry balances and have a few cards with zero balances. Should I let them raise it or leave it alone? I never get close to my max on any card I have. I guess it would increase my utilization? Please advise?
Credit Deals
g: 0 Posted By: tedhawkins
Views: 149 Replies: 0 Big Agnes Big House - 6 Person Tent $233.99 + FS + 10% Back in Reward points

http://www.moosejaw.com/moosejaw/shop/product_Big-Agnes-Big-Hous...

Products on Sale are Discontinued Styles or Colors.
The Big Agnes Big House 6 Person Tent is a three season, free standing, deluxe car camping or base camp tent, complete with a wide range of premium features. For easy travel, this Big Agnes tent weighs only 12lbs, 15oz, but provides enough room for 6 people comfortably, measuring in at 90 sq. feet. The Lightweight 7000 series aluminum poles have press fit connectors and color coded ends and fit easily into the super light aluminum stakes. The fly of the Big House is made with durable polyester with 1500mm waterproof Polyurethane coating, and the floor is made with strong polyester mesh and polyester rip-stop. This 6 person tent has a body made with lightweight polyester mesh and long-lasting rip-stop with doors of polyester 1500 and a waterproof polyurethane coating. The sleeves and plastic clips attach the Big House's tent body to the pole frame for fast and easy set up, and the reflective guy line provides nighttime visibility. Other features by Big Agnes include two large doors, welcome mat for muddy shoes, 12 mesh floor pockets, and all seams are taped with waterproof, solvent-free polyurethane tape.
DECENT FEATURES of the Big Agnes Big House 6 - 6 Person Tent
Lightweight aluminum poles with press fit connectors
Color coded webbing and buckles make set up easy
Fly is durable polyester rip- stop with 1500 mm waterproof polyurethane coating
Floor is durable polyester with 1500 mm waterproof polyurethane coating
Tent body is lightweight polyester mesh and durable polyester rip- stop with 1500 mm waterproof polyurethane coating
Both doors on tent body have two closure options: Zip up mesh door only for ventilation or zip up the waterproof, polyester rip- stop layer for full protection
Fly walls can be rolled up and attached with toggle fasteners to expose mesh walls for increased ventilation and visibility
Sleeves and plastic clips attach the tent body to the pole frame for quick and easy set up
Reflective guy line for nighttime visibility
Two large doors
Welcome mat on front door provides space for muddy shoes
Large skylight
Twelve mesh floor pockets
All seams taped with waterproof, solvent- free polyurethane (No PVC or VOC's) tape
14 superlight aluminum stakes included with tents
7 superlight aluminum stakes included with accessory vestibules
Briefcase style carry bag with long shoulder straps and organizational pockets
Optional extra large vestibule sold separately
Gear loft loops included: Fits Big Agnes Trapezoid gear loft - sold separately
Footprint sold separately
The SPECS of the Big Agnes Big House 6 - 6 Person Tent
Capacity: 6 Person
Trail Weight: 12 lbs 15 oz
Packed Weight: 13 lbs 15 oz
Packed Size: 4" x 14" x 26"
Floor Size: 90 square feet
Floor Length: 122"
Floor Width: 115" at widest, 96" at doors
Head Height: 75"
Camping Deals

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

let the criticism begin an the reds fly.
Investing Deals
Stamp prices to go up nearly 7% on Jan. 26
Added on : Tuesday December 24th 2013 02:00:04 PM
g: 1 Posted By: Krazen1211
Views: 252 Replies: 5 Normally its a poor idea to stock up on stamps, which have historically risen at inflation rates.

But, this is a rather large increase. I think I might grab 4 booklets or so.


LinkRegulators on Tuesday approved a temporary price hike of 3 cents for a first-class stamp, bringing the charge to 49 cents a letter in an effort to help the Postal Service recover from severe mail decreases brought on by the 2008 economic downturn.Many consumers won't feel the price increase immediately. Forever stamps, good for first-class postage whatever the future rate, can be purchased at the lower price until the new rate is effective Jan. 26.
Discussion Deals
Stamp prices to go up nearly 7%
Added on : Tuesday December 24th 2013 01:00:04 PM
g: 0 Posted By: Krazen1211
Views: 0 Replies: 0 Normally its a poor idea to stock up on stamps, which have historically risen at inflation rates.

But, this is a rather large increase. I think I might grab 4 booklets or so.


Link
Home owners insurance claims now cause rates to increase?
Added on : Tuesday December 24th 2013 05:00:08 AM
g: 0 Posted By: shank
Views: 0 Replies: 0 We live in Southern California, have had AAA insurance for home and vehicles for more than 15 years, NEVER filed a claim on our homeowners. While away last weekend, someone broke in to our garage, stole 2 bicycles, loss of approx $1300. Agent claims that AAA recently implemented a policy, following all major carriers, that any claim over $750 will result in a rate increase for 3 years. She did a quick estimate, estimates an increase of $350 per year, so after our $500 deductible, the claim would in effect COST US $250 (!?!).

Is it time to start shopping for a different insurance carrier?
g: 0 Posted By: vnuts21
Views: 87 Replies: 0 Pardon the lengthy post, but I wanted to get some general advice on how best to prepare for buying our first home in the next few years. Ages: 26 (Me), 27 (Her).

We will be married in September, 2014.

Income:
Me - $78k/yr
Her - $76k/yr
Average take home pay: ~7200/mo
Other income: Credit Card/MS shenanigans - ~$500/mo

Expenses:
~5000/mo (includes rent, student loan payments, Roth IRA contributions, food, traveletc) (high cost of living area)

Currently not maxing retirement savings- only contributing max Roth IRA (5500 each) and minimum to get company match. This will change once student loans are paid off (~9 months)

Assets:
Me:
$40k in 401k
$26k in Roth IRA
$5k Liquid

Her:
$35k in 401k
$10k in Roth IRA
$9k Liquid

Debts:
Me - $40k in student loans (3.5%)(being generously paid off by my brother at $14k/year, and by me at a rate of $4k/yr) - will bepaid offin ~2.5 years
Her - $10k in student loans (5% average) (will be paid off in 1 year)

I will most likely be taking a temporary new job in the DC area for 1 yearwhich will greatly increase our savings ability. The job covers all living expenses and provides a daily food stipend, allowing us to live rent, utilityand food-free (will end up saving ~30k extra over 1 year) (this assumes my fiancee will be able to find a job in DC at the same time). Paying off the student loans over the next year or so would also free up almost1000/mo.

Job prospects:
Overall good - we are both ambitious engineers

Me: BS (high ranked private university), MS in Mechanical engineering (no-name state school). Currently working for US Government (decent job security, but will most likely be leaving after the DC position in search of something higher paying and more challenging).
Her - BS in Manufacturing Engineering (high ranked private university), MBA (decently ranked private university) in May 2014. Currently working for amedical instrumentcompany (decent job security, but overall underpaid given her position, experience level). Will most likely be looking for a new job coinciding with my DC position.

2-3 year goals:
-Live in DC for 1 year
-Live in California for 1-2 years
-Settle down in northern east coast (NY, PA, VA, MD etc)(near family) in ~2017 and purchase a home (~300-350k range). I'd like to be able to put 20% down onthe house. This would require 60k, which is easy to do even now (if saving for a few months and tapping into Roth IRA), but I'd prefer not to touch the Roth accounts to do so.

Here's my questions:
- How to handle manufactured spending/credit card sign ups in the 2-3 years leading up to buying a house? Our credit scores are excellent, and we have leveraged those scores into great vacations, and a lot of extra income from manufactured spending techniques. When should we stop the spending, so that lenders do not ask questions and are not put off by the ~20 open credit cards per person?
- How to best stagger the accounts to get approved for a mortgage? I know the lenders want to see an account capable of paying off the mortgage and will scrutinize every transaction dating back almost a full year. Would opening a joint account and having the paychecks deposited into it be ok? I would keep all other accounts (rewards checking, bluebird, etc) separate. This would be our only joint account from the time we are married until the time we buy a house.
- Any other words of wisdom, advice on how to improve our financial situation?



Discussion Deals
Save up to $400/year per child on your taxes with a custodial account
Added on : Sunday December 22nd 2013 04:00:10 AM
g: 0 Posted By: tarcapone
Views: 0 Replies: 0 It's been written about on FWF before ( http://www.fullofdeals.com/forums/finance/955610/ ), but it's been a while. It's also been a while since we've had significant appreciated stock (at least for me). Here's the basic concept:

You can gift up to $13K per year to your child (so can your wife/husband)
This gift can be the current value of appreciated stock
When your child sells stock, the first $1,000 per year (amount occasionally increases) is tax free and the next $1,000 is taxed at their rate. Any income over $2,000 is taxed at the parents rate. I always avoid this because it complicates your taxes.
The gift is an irrevocable gift to your child. However, you can take the money out to use for the child's benefit. I take it out in a lump sum. I know that I spend enough on the kids to cover this, but don't track it. It is somewhat loosely defined by the IRS. You could probably argue that a portion of your mortgage is for the child's benefit, but certainly camps, vacations, tuition, clothes, toys, etc.

I've found the most effective way to maximize these benefits is to gift appreciated stock with the highest appreciation percentage to my child. I estimate how many shares are needed to reach the $2,000 gain and transfer the shares from my Fidelity account to theirs (very easy on the Fidelity site, don't know about other brokers). I then sell once the transfer is completed (takes a couple days).

When my children were younger, I gave them a large block of appreciated stock that they sold over the years to hit that $2,000 threshold (was lower back then). I would plan so that the dividends plus gains would reach the Target.

Two caveats that Mimi6789 points out in the post linked above are "If your kids are close to college age, you have to keep in mind that those are your child's accounts and are counted as their assets for FAFSA calculation. Also, if you gift stock to your child and the stock tanks, you cannot transfer the stock back to you to harvest the tax loss." Also, keep in mind you'll have to file tax returns for your kids each year. These are pretty simple returns and after the first year, only take a couple of minutes.

It is a bit of work, but can save $300-$400/year per child in taxes. Worth my time.

Tax Deals
JanSport Katahdin 20 Daypack - 2013 Closeout $26.73 + Free shipping
Added on : Friday December 20th 2013 12:00:03 AM
g: 1 Posted By: tedhawkins
Views: 276 Replies: 0 JanSport Katahdin 20 Daypack - 2013 Closeout $26.73 + Free shipping

http://www.rei.com/outlet/deal-of-the-day

Perfect for done-in-a-day adventures, the JanSport Katahdin 20 pack delivers comfort and quality at a great price.
Frameless design features breathable, perforated EVA shoulder straps, fully padded EVA back panel and a breathable, perforated EVA padded waistbelt for superior comfort
Main compartment features a compression lid to keep loads in lpace
Hydration-compatible design features reservoir pocket and drink tube exit port for on-the-go hydration (reservoir not included)
Front stash pocket accommodates quick-access items, and features an external daisy chain for attaching gear
Dual gear loops for trekking poles or an ice axe
JanSport Katahdin 20 pack features side compression straps for jostle-free carry
Dual water bottle pockets keep hydration close at hand
Reflective details increase visibility in low light
Sports & Outdoors Deals

REI Coupons
Free "ABlackBox.com" Sticker
Added on : Thursday December 19th 2013 03:00:16 PM
g: 0 Posted By: remick
Views: 137 Replies: 0 http://www.ablackbox.com/StickerForm.aspx

Get your free sticker to increase your passive safety. The sticker is 11cm width/height and is easy readable.
Home, Auto & Pets Deals
HooToo USB 3.0 Hub (7 Port, Bus-Powered)$19.99 + Shipping @amazon.com
Added on : Thursday December 19th 2013 03:00:08 PM
g: 0 Posted By: evansamber
Views: 203 Replies: 0 http://www.amazon.com/dp/B00ECTYKWO

Enter coupon code IWTIRPCJ at checkout.

Smart chipset allows this hub perform stably and perfectly compatible with your Windows, Mac OS or Linux systems
High speed: USB 3.0 transfer rate maximum to 5Gbps with both power adapter and USB connected, downward compatible USB 2.0/1.1.
Easy to use, instantly increase your USB connections. Plug-n-Play, no driver or setup required
USB & Flash Drives Deals

Amazon Coupons
g: 0 Posted By: Kramden
Views: 340 Replies: 0 Been watching for a substantial body pillow to replace the cheap one I bought that crushes flat every time I lean on it.
This one is usually around $45.
Amazn

Lowest price it has been
Link to Camel

Pillow has avg 4 star reviews.

Comes with a zippered removable cover

Features:

Feel: Medium to medium-firm
Sleeping Positions: Side, back, stomach
Great for expectant mothers
Oversized body pillow for full body support and comfort
Pillow core maintains support and comfort throughout the night

Next Generation Memory Foam:This pillow is made with two of our most advanced foam formulas:SureTemp Memory FoamTraditional memory foam can retain heat causing sleep disturbances throughout the night. This pillow is made with our exclusive SureTemp open cell memory foam. The unique, patented formulation and manufacturing process offers improved airflow for a cooler night's sleep.

Advanced foam technology- strengthened cell walls provide increased airflow and support
Improved recovery and enhanced durability

Gel Memory Foam: Sleep Innovations gel memory foam has been designed to provide the ultimate in support, comfort and a cool sleeping surface. Our gel memory foam distributes body heat so your sleeping surface wont get too warm.

Gel foam will stay cooler longer and is ideal for those who sleep warm
Gel memory foam provides added support where you need it most
Designed specifically to minimize heat buildup and keep the pillow at optimum temperature

I added a $0.06 washer to get free shipping

Bedding Deals

Amazon Coupons
Vittoria Open Corsa EVO CX Road Tire $34.99 @ performance bike
Added on : Thursday December 19th 2013 07:00:05 AM
g: 0 Posted By: tedhawkins
Views: 150 Replies: 0 Vittoria Open Corsa EVO CX Road Tire $34.99 @ performance bike

http://www.performancebike.com/bikes/Product2_10052_10551_113499...

Vittoria Open Corsa EVO CX Road Tire - Closeout!

The Vittoria Open Corsa Evo CX is arguably Vittoria's fastest road clincher. It features a Kevlar SiO2 3D compound with added silica for lower rolling resistance grip in wet conditions when coupled with the tread pattern and improved. A Corespun 320 tpi casing provides a lighter, suppler ride and the very high thread density of ensures maximum comfort even at a high inflation pressure of 130 (max). Additionally, the Kevlar provides increased puncture resistance, grip and overall durability.
Clincher version of the world's best-known and most-used tubular provenly the fastest all-round racing tire available
210 grams per tire
Supple 320 TPI casing
130 PSI max pressure
Bicycle Deals

Performance Bicycle Coupons
g: 0 Posted By: tedhawkins
Views: 134 Replies: 0 Supreme Garcinia Cambogia Extract - 90 vegetarian Weight Loss Pills- 70% OFF with code $10.50 FS with prime

http://www.amazon.com/Supreme-Garcinia-Cambogia-Extract-Suppress...


Enter code SHAPEFIT at checkout.

CLINICALLY PROVEN GARCINIA CAMBOGIA HCA: Non-Stimulating Garcinia Cambogia Extract standardized to 60% HCA (Hydroxycitric Acid), bound to Calcium and Potassium for better absorption - 1000 mg per serving and 90 vegetarian capsules per bottle.
ALL NATURAL WEIGHT LOSS APPETITE SUPPRESSANT: no Additives, no Binders, no Fillers, and no Artificial Ingredients.
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OUR GARCINIA CAMBOGIA DIET PILLS ARE: Made in USA following the highest cGMP manufacturing standards.
LOSE WEIGHT with Our Garcinia Cambogia Weight Loss Supplements or GET YOUR MONEY BACK! It is really that simple.
Health Deals

Amazon Coupons
DISH -Notification of price increase - FEB 2014
Added on : Thursday December 19th 2013 06:00:10 AM
g: 1 Posted By: mnsweeps
Views: 167 Replies: 1 Can we get out of the 2 yr contract because of the price hike?
------------
Dear mnsweeps,

Starting February 2014, DISH is changing pricing on select programming and services. Most customers will see a $5 increase on their core programming package. You will receive detailed information about these changes in your next bill.

Thank you for being a valued DISH customer.


General Economics Deals
Advise need, if I should put in cliam from Home Insurance
Added on : Wednesday December 18th 2013 09:00:07 AM
g: 0 Posted By: brreddy
Views: 130 Replies: 2 Thanks for looking. I have wooden flooring in the kitchen which has got damaged due to crack in the referigrator ice-maker plastic pipe that is behind. We had never noticed this until couple of weeks back when we had a party at home. Due to heavy usage of ice-maker, the crack seems to have got little bit wider and the water got into the flooring. We noticed this only next day, since I could see, some water seeping out through the crack between the flooring tiles. I think the cost of replacing the flooring the kitchen is about $2500 - 3000, I currently pay about $700 premium to my home insurance. I have never claimed anything from insurance for the past 7 years of home ownership. I am not sure, if I put in a claim, if it is going to impact my premiums to raise considerably next year;
And also, when I was searching online, I found claims related to flooring damage due to dishwasher malfunction. I am not sure, if the refirigerator is treated in the same way. If anyone has previous experience of putting in claim, it would be great, if you can share your experience in regarding to the damage and subsequent premium increases.

Personal Finance Deals
Salomon Idol 75 Ski Boots - Women's 2013 $199.90 FS @ EVO
Added on : Sunday December 15th 2013 05:00:08 AM
g: 0 Posted By: tedhawkins
Views: 144 Replies: 0 Salomon Idol 75 Ski Boots - Women's 2013 $199.90 FS @ EVO

http://www.evo.com/outlet/alpine-ski-boots/salomon-idol-75-women...

Salomon Idol 75 Ski Boots - Women's 2013
The Salomon Idol 75 Ski Boots are high-performing all-mountain boots designed specifically for women to aid in comfort. Women's Specific Cuff helps to bring comfort in women's feet, ankles, and legs, while the Women Calves Adjustment fits the contours of a female leg more effectively and efficiently. Head out on the mountain in comfort and style in the Salomon Idol 75 Ski Boots.
Fit
World Cup Advanced Shell Technology - A more powerful version of the Advanced Shell technology with improvement on the back support, the body positioning into the boot and the torsion control of the boot.
Last: 100
Flex
Medium Flex Index: 70
Liner
Faux Fur - The addition of faux fur in the liner provides an extra comfortable & warm fit
Women Liner - A liner with a specific height and cuff adapted to women legs and calves
Women Heel Wedge - Narrower heel pocket to improve heel hold & increase heel lift providing the perfect skiing stance
Women Calves Adjustment - The most efficient and convenient calves adjustement on the market, only one screw turn to enlarge the upper cuff up to 1 cm to fit all legs shapes easily and quickly.
Shell Materials
Bi Material PU Lower Shell - A bi-injected shell made from Polyurethane, a material with consistent density enabling effortless progress on-snow, provides well adapted stiffness in a shiny, durable, dynamic and abrasion resistant piece.
Bi-Material PU Upper Cuff - A reinforced rear, lateral insert allows the use of a softer front cuff for improved leg wrapping and progressive flex. This shiny, durable, dynamic and abrasion resistant piece made of Polyurethane, a material with consistent density, enables effortless progress on-snow
Stance
Single Canting
Women's Specific Cuff - Specifically designed for women, Atomic's Women's Specific Cuff aids in comfort for womens feet, ankles, and legs.
Single Canting - Canting enables cuff alignment to the skier's lower leg shape. Single canting allows the cuff to be moved towards the interior.
Buckles
4 Micro Titanium Buckles - To micro adjust the length of the buckles for a precise and personalized closure, just turn the lever. Titanium buckle: one of the lightest & stiffest buckles on the market with the addition of titanium material
Power Strap
35 mm Power strap
Additional Features
Heel and Toe Removable DIN Pads - Heel & toe pads can be replaced when worn out.
Specs
Ability Level: Intermediate-Advanced

Ski Boot Flex: Medium

Flex Index: 75
Forefoot Width: 100 mm
Alpine Touring Mode: No
Number of Buckles: 4
Warranty: 2 Years
Shoes Deals

evo Coupons
Premium iPhone Carbon Fiber Case from C&T Into Price 75% off
Added on : Sunday December 15th 2013 05:00:02 AM
g: 0 Posted By: mpm39
Views: 1 Replies: 0 Amazon New Carbon Fiber cases for cheap - intro rate 75% off.

http://www.amazon.com/gp/product/B00H1T377Q

SALE FOR A LIMITED TIME ONLY! FIRST WEEK INTRODUCTORY RATE OF 6.99 - AFTER THE FIRST WEEK, THE PRICE WILL INCREASE. Look great and stylish with this new case. Fits iPhone 5 or 5s, and will make your phone stand out! This case offers quality protection with its wrap around design, ensuring that you're phone doesn't only look good, but it stays good. The case is designed completely out of Carbon Fiber, which looks and feels nice, but also incorporates the added functionality of superior protection, sleek design, and light weight. You can't go wrong with this inexpensive and high quality product. All of Global Reach's products are: - Individually inspected for quality assurance - Specially designed to match trends: fashion, automotive, sports, video games, etc. - Satisfaction Guaranteed. We do not want you to be dissatisfied with our products. If it is not what you expected when you receive the item, just let us know and we will help you out. Please e-mail us with any questions, and one of our representative will be happy to get back to you quickly.

High quality carbon fiber case for iPhone 5 or 5s
Manufactured with interlaced carbon fiber to create a sturdy yet slim and lightweight iphone case
Invisible side protection - don't hide your phones features!!
Ultra slim design - under 80 mm thick on all sides!
Makes a perfect gift for a family member or friend this holiday season! Plus, lowest price available!
g: 0 Posted By: GreenTrash
Views: 160 Replies: 0 ~~The STANLEY STMT71653 145pc Mechanics Tool Set offers a complete range of SAE and metric-sized sockets and drive tools. Our socket sets combine the most popular tools for easy accessibility. Stanley drive tools are forged from high-quality steel and finished in high-polish nickel chrome or black chrome. Selected ratchet handles are ergonomically designed and have an easy-to-use, thumb-operated reverse-switch mechanism. Sockets and extensions remain locked onto the drive until disengaged with an easy-to-reach, low-profile quick-release button. Stanley sockets feature our Max-Drive design, a unique radius corner design that provides 15% more torque* to tighten fasteners easily and simplify the turning of rounded corners. Max-Drive helps reduce fastener wear by minimizing contact on the outer 5% of the fastener, helping to increase life expectancy. It also helps reduce slipping on frozen or rusted fasteners. All Stanley ratchets, sockets and wrenches are manufactured globally to Stanley specifications, meeting and often exceeding ANSI specifications.


LINK
Tools Deals

Amazon Coupons
How to negotiate an appropriate pay
Added on : Friday December 13th 2013 11:00:08 AM
g: 0 Posted By: VAIndigo
Views: 260 Replies: 5 The federal contractor(IT Services company) I work is being replaced with another major company at the department. As part of the transition the new company offered similar positions to most of the team.
I hold a critical role with a special skills than any one else in the team. My current manager and everyone recognizes the skill and the key role i am playing. The new company came and made a general offer like everyone else without recognizing my special tools experience and the key role i play. Its quite evident that the onboarding HR team has not done their homework and clubbed me along with rest of the members. They even didn't recognize me with my special skills and gave a similar title as others.

What this translates to is my salary they offered is 10% less than what i got when I joined this company 3 years back and almost same as what i got 5 years back in my career. Due to the recent increased responsibilities (only other member with similar skills has left the company after the new company came into picture) i was actually expecting a 10% hike.

My problem is this hiring HR team doesn't seem to understand the skill set and not doing their homework. They are often being rude and ears shut.

What is the best course for me to navigate to get my deserved salary.

-> Salary.com shows higher salary than what they offer but i don't know how to bring this up
-> I can write to the program manager (incharge to setup the new team) but what should i say to not offend at the same time make my point.

They sent me a letter sayin I have 3 days to accept the offer. Any pointers would be highly appreciated
Personal Finance Deals
Amex Serve -- better debit and credit card load limits with Isis!
Added on : Friday December 13th 2013 11:00:07 AM
g: 1 Posted By: HotSalami
Views: 91 Replies: 0 I was going to post to one of the Serve threads, but none seemed appropriate. So, apologies up front for creating another thread...

I switched my phone's SIM over to an Isis compatible one to take advantage of the 20% Serve kickback (see BenH's thread here:http://www.fullofdeals.com/forums/hot-deals/1314607/). Anyway, in looking into the $1/mo fee waiver with Isis, I came across this Help page:

https://www.serve.com/help/?intlink=us-serve-partner-isis-marketing-lpq4launch-faq#/use-your-card-5

At the bottom of the page is the following summary:

https://www.serve.com/img/help/serve_isis_limits_chart.jpg

In short, it looks like with Isis, DC and CC loads have increased to $500 per day and $1500 per month! VR, et al, remains the same at $1K/$5K. I also believe that the $100K total per year is higher than previous amount ($60K, i think?) These improvements are making the leap to Isis more compelling...


<edit>

Here's the page and graphic with the non-Isis limits:

https://www.serve.com/help/#/fees-and-limits-1

https://www.serve.com/img/help/serve_limits_chart.jpg


better indeed...


Deal Deals
g: 0 Posted By: TheRatsWon
Views: 243 Replies: 0 http://www.newegg.com/Product/Product.aspx?Item=9SIA24G1732885
Shell Shocker deal active from 10:00AM - 12:59PM PT Today (1 PM to 3:59 PM EST)
Reviews are 4 out of 5

General
Brand SanDisk
Model SDSSDP-128G-G25
Device Type Internal Solid State Drive (SSD)
Used ForConsumer
PhysicalForm Factor2.5"
Capacity128GB
InterfaceSATA III
Width70.61mm
Depth100.58mm
Height9.91mm
Weight79.5g
PerformanceMax Sequential Read Up to 490 MB/sMax
Sequential Write Up to 390 MB/s4KB
Random Read Up to 7,000 IOPS4KB
Random Write Up to 2,000 IOPS
MTBF3,000,000 hours
Upgrade your notebook or PC to faster boot-up and shut-down times
Faster application load times and increased overall performance over traditional 7200 RPM hard drives
Increased reliability, durability and energy efficiency for lower power consumption.
EnvironmentalPower Consumption (Active)0.6W
Operating Temperature0C ~ +70C
Max Shock Resistance1500G

SSD Deals

Newegg Coupons
Social Security Analysis: Return on Investment
Added on : Monday December 09th 2013 06:00:14 AM
g: 0 Posted By: EricGo07
Views: 26 Replies: 0 Hi folks,

I was interested in knowing what fraction of my payments into SS are returned as a benefit. I assumed that I would start taking benefits at the 'full' retirement age of 67, and die 15 years later.
SS is set up in a fashion that returns less benefits per dollar contributed as the lifetime average real wage increases (AMIE) based on 35 years of work.

This graph is per worker, and does not account for spousal benefit. 'ROI' is used loosely, to mean what fraction of money paid into the system is returned during the lifetime of benefits.
If I fail to show the graph, here is the link to a Google Doc.Please do not change data. And if possible, please refrain from politics.


General Economics Deals
Question on Refinance, help please.
Added on : Sunday December 08th 2013 09:00:09 PM
g: 0 Posted By: regor1000k
Views: 165 Replies: 0 I thought I might ask these questions here in this forums as many members are familiar with the Penfed 5/5 ARM mortgage.

Just to be sure I understood the loan, the 5/5 mortgage with a 2.625% starting rate, correct me if I am wrong:

1. for 1st five years the rate is 2.625%
2.the rate adjusts once every 5 years ONLY
3.The maximum rate adjustments up or down ONCE every 5 years in 2% ONLY (so my 6th year might be 4.625% or 0.625%)?
4.The total rate adjustment cannot be more than 5% which means, my rate will be NEVER more than 7.625% probably in year 15 not before that?(if rates are going up)

Now, my situation:
I closed on a 30 yr conforming loan 2 months ago (with Wells Fargo) after which I applied to 3 credit cards to buy appliances, furniture and also get some 0% APR offer. ~3k Debt@0% APR
My LTV ratio is about 75%, which means my home is worth 25% more than my loan as per the purchase price/appraisal 2 months ago.

1.Can I apply for a Penfed 5/5 ARM now just after 2 months of closing? Will they even consider my mortgage application?
2.Will Penfed closing cost offer cover all my closing fees? I read that it does not cover Owners Policy, do I need a new owners policy when I refinance?
3.How does the process work?, should we pay for appraisal and other fees to start with before closing or will penfed pay everything to start with?
4.Their website says that they might have a origination fee which can be waived with a 0.25% rate increase, any experience with that?

All your help appreciated...
New User Question Deals
g: 7 Posted By: brusbrother
Views: 4053 Replies: 29 Link
This has been coming in and out of stock at just about this same price point. (actually down from $139.99 three weeks ago)
Also
Scratch and dent version Grade B for $144.99 Link(Huh... Grade A is cheaper?)

Core 2 Duo E8400 3.0GHz
2GB DDR2
160GB HDD Capacity
Windows 7 Professional
I know, not fast enough to take down an intercontinental ballistic missile but for parents who might be allergic to Windows 8, this is probably good enough.
CPU Benchmark 2171
Might want to increase Ram
DVD Rom (no recording DVD or CD)
Comes with 32 and 64 bit disc
Windows 7 license alone is about $100 so here you get a computer, HD AND a mouse and keyboard. The latter two items are the real deal clinchers
There is room for an additional HD beneath the DVD Rom
NOTE: Price is now $136.79 but today Dec 6 use code NAFSAVETENDEC6W after 10AM PST until 11:59PM PST for 10% off your order.
Gets it down to $123.11.

Desktop Computer Deals

Newegg Coupons
g: 6 Posted By: brusbrother
Views: 3806 Replies: 24 Link
This has been coming in and out of stock at just about this same price point. (actually down from $139.99 three weeks ago)
Also
Scratch and dent version Grade B for $124.99 Link

Core 2 Duo E8400 3.0GHz
2GB DDR2
160GB HDD Capacity
Windows 7 Professional
I know, not fast enough to take down an intercontinental ballistic missile but for parents who might be allergic to Windows 8, this is probably good enough.
CPU Benchmark 2171
Might want to increase Ram
DVD Rom (no recording DVD or CD)
Comes with 32 and 64 bit disc
Windows 7 license alone is about $100 so here you get a computer, HD AND a mouse and keyboard. The latter two items are the real deal clinchers
There is room for an additional HD beneath the DVD Rom
NOTE: Price is now $144.99 but today Dec 6 use code NAFSAVETENDEC6W after 10AM PST for 10% off your order.
Gets it down to $130.50.

Desktop Computer Deals

Newegg Coupons
g: 6 Posted By: brusbrother
Views: 3626 Replies: 23 Link
This has been coming in and out of stock at just about this same price point. (actually down from $139.99 three weeks ago)
Also
Scratch and dent version Grade B for $124.99 Link

Core 2 Duo E8400 3.0GHz
2GB DDR2
160GB HDD Capacity
Windows 7 Professional
I know, not fast enough to take down an intercontinental ballistic missile but for parents who might be allergic to Windows 8, this is probably good enough.
CPU Benchmark 2171
Might want to increase Ram
DVD Rom (no recording DVD or CD)
Comes with 32 and 64 bit disc
Windows 7 license alone is about $100 so here you get a computer, HD AND a mouse and keyboard. The latter two items are the real deal clinchers
There is room for an additional HD beneath the DVD Rom
NOTE: Price is now $144.99 but today Dec 6 use code NAFSAVETENDEC6W after 10AM PST for 10% off your order.
Gets it down to $130.50.

Desktop Computer Deals

Newegg Coupons
g: 0 Posted By: brusbrother
Views: 165 Replies: 0 Link
This has been coming in and out of stock at just about this same price point. (actually down from $139.99 three weeks ago)

Core 2 Duo E8400 3.0GHz
2GB DDR2
160GB HDD Capacity
Windows 7 Professional
I know, not fast enough to take down an intercontinental ballistic missile but for parents who might be allergic to Windows 8, this is probably good enough.
CPU Benchmark 2171
Might want to increase Ram
DVD Rom (no recording DVD or CD)
Comes with 32 and 64 bit disc
Windows 7 license alone is about $100 so here you get a computer, HD AND a mouse and keyboard. The latter two items are the real deal clinchers
There is room for an additional HD beneath the DVD Rom

Desktop Computer Deals

Newegg Coupons
Using balance transfer to pay off student loan
Added on : Wednesday December 04th 2013 04:00:08 AM
g: 0 Posted By: jkk4life
Views: 15 Replies: 0 I have done a google search and haven't found a definative answer to how to do this. What I am trying to accomplish isto transfer 10K from my student loans to my wife's Chase Slate card she was just approved for. The problem is that on the site itonly allows you to balance transfer to a credit card. I am assuming if she calls Chasethey won't allow it since it's not her loan and it's not a credit card and from what I read Chase does not give out balance transfer checks.

So, the option I think we need to go with is to do a balance transfer to one of her other credit cards and get a refund check from that company. From what I read this is a simple process from CITI, but she does not have any Citi Cards.

So ifyou are still with meafter that long intro, what I am asking for is some advice on how to best accomplish this and if anyone has any luck and/or issues with the following credit card companies in doing a large refund check. The other problem is the only big limit cards she has are from Chase which won't work.

Discover (only 2K limit )
Barclays (1500 limit)
AMEX Gold (no reallimit since its a charge card)
AMEX Blue (2700)
DCU (1500)
US Bank (11,800 was just approved and haven't even gotten the card yet. Don't think this would look good on a branch new card/relationship)

Another optionwould be to ask DCU for a CLI increase then do a cash advance for the $10k (which is no fee from them) and then do the balance transfer to pay it off immediately. We would just end up with a week or so of interest to pay. Any thoughts on if they might not like that and close her account? I'm thinking taking a 10K cash advance right after an increase would be highly suspicious looking.Or some other options on how to accomplish this?







Personal Finance Deals
CenturyLink raising standalone DSL rates $2/mo
Added on : Tuesday December 03rd 2013 02:00:07 PM
g: 0 Posted By: medion
Views: 0 Replies: 0 I know that CenturyLink got slammed on various sites about this last time. I even made a thread about it here. However, there are two key differences this time. First, notices are actually being sent out BEFORE the hike. With the last rate hike, all we got was a modified contract that, with fine print, said that CenturyLink can change the terms without notice to the customer. The second change is that, unlike last time, the $2 fee is offset by promotions. So, if you're on a $50 plan with a $20 credit ($30 effective), that will now become a $52 plan with a $22 credit for the duration of your promo. I know that CenturyLink needs to offset their losses as they're in an industry that is in steep decline. It's just nice that they didn't screw over promotional users like last time. I'm of the personal opinion that their last stunt was illegal, but A) I'm not expert, and B) no one tells a telecommunications company that they can't do something. Below is the full text of the notice sent out this past week;
CenturyLink Mailer said: Our goal at CenturyLink is to provide you with the best possible service and timely information regarding changes that impact your account. Effective with your December bill, the monthly recurring charge for your pure broadband service will increase by $2.00. If you currently receive a discount as part of a new customer promotion, your monthly discount will also be increased to offset the monthly rate increase for the duration of your promotion. Rates will remain unchanged for customers with existing Price Lock or Price for Life promotions. If you have any questions, please contact a Customer Care Representative at the telephone number printed on your bill. Thank you for choosing CenturyLink for your communication needs - we value you as our customer.

g: 1 Posted By: ManuFact
Views: 255 Replies: 0 http://www.southwest.com/html/promotions/nationwide-sale.html?clk=HOMEHEROCYBERS131202

Shopping online has never been so rewarding! That's right, for one day only, we've got fares for $100 or less for prime holiday travel dates. Act quick, with prices like these our planes will be full in no time!
Now's the time to take these Cyber Monday savings straight to the bank. Book by December 2, 2013 for travel December 24, 25, 31, 2013 & January 1, 2014.

Terms and Conditions

Available only on southwest.com or swabiz.com.
Purchase by Dec. 2, 2013, 11:59 pm for the respective time zone of the originating city.
Travel valid on Dec. 24, Dec. 25, Dec. 31, 2013; and Jan. 1, 2014.
Some flights operated by AirTran Airways. Available on published, scheduled service only.
Fares valid on nonstop service only.
Displayed prices include all government taxes and fees.
Fares not available to/from Albany, NY; Buffalo, NY; Grand Rapids, MI; Washington (Dulles), DC; Islip, NY; Memphis, TN; Manchester, NH; Philadelphia, PA; Providence, RI; Portland, ME; Ft. Myers, FL, Seattle, WA; San Francisco (SFO), CA; San Juan, PR; Salt Lake City, UT; Orange County (SNA), CA.
Seats are limited. Fares may vary by destination, flight, and day of week and wont be available on all flights.
Offer available in select markets.
Fares are available for one-way travel.
Fares may be combined with other Southwest Airlines combinable fares. If combining with other fares, the most restrictive fares rules apply.
Fares are not combinable with Senior Fares.
Fares are nonrefundable but may be applied toward future travel on Southwest Airlines.
Fares are not available through Group Desk.
Any change in itinerary may result in an increase in fare. Standby travel requires an upgrade to the Anytime Fare.
Fares are subject to change until ticketed.
Offer applies to published, scheduled service only.

Flight Deals Deals
Defer pension or rollover?
Added on : Saturday November 30th 2013 09:00:21 AM
g: 0 Posted By: generalzodschicken
Views: 56 Replies: 0 I'm 42 years old. I have ~$30k in contributions to a state pension plan. I contribute 5% of gross salary and the state matches it. The return is 6% annually. I am about to change jobs and I'm deciding whether or not to defer my pension benefit or to roll it over now into a Roth IRA. As of now, at age 66, I'd be eligible for a lifetime monthly annuity of ~$1,200. If you leave your money in the pension plan (defer benefit), you get 2% interest on the principal. The important point, though, is that the pension benefits are inflation protected. (Currently 2% increase per year). So, coupled with Social Security, I'd have an inflation-protected ~$3,500 monthly annuity starting at age 67. Those are pre-tax dollars, however.

Now, if I roll my contributions over into an IRA, I lose the matching funds, for one. The question seems to be whether or not I could do better investing the ~$30k than the guaranteed 50% match plus 6% compounded. That seems unlikely. So, I seem to be leaning towards leaving my money in the pension, even though it feels wrong somehow to leave my money in there for the next 25 years without the ability to manage it. Anyway, I guess I'd like to know what the counter arguments would be for rolling it over at this point.

Thanks.
Investing Deals
Patagonia Men's Javelina A/C Hiking Shoe $79.95 FS
Added on : Saturday November 30th 2013 08:00:03 AM
g: 0 Posted By: tedhawkins
Views: 79 Replies: 0 Patagonia Men's Javelina A/C Hiking Shoe $79.95 FS

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

The Javelina AC by Patagonia is exactly what your foot needs to see you though all kinds of conditions and types of terrain. The Patagonia Javelina AC is constructed from an oiled suede leather upper and breathable mesh panels, which increase airflow while the mesh lining wicks moisture. This incredible shoe comes with recycled EVA foot bet that is in line with the contours of you foot, a nylon injection molded arched shank for superior arch support, recycled insole, and Patagonia Air Cushion Plus in the heel and midsole for complete shock absorbing power. These fantastic shoes also feature Vibram low profile, self-cleaning lug soles.
Shoes Deals
g: 0 Posted By: etee
Views: 192 Replies: 0 Noticed this black friday sale in my email. Book by 5 pm today for travel between Dec 11 and March 6 on Tuesdays, Wednesdays, Saturdays.

http://www.virginamerica.com/vx/booking/fare-sale?int=hp_module_...

Fine print:
All Main Cabin fares are one-way and require a 10-day advance purchase. Travel must occur between December 11, 2013 and March 6, 2014. Tickets must be purchased by 4:59pm PT Friday, November 29, 2013. Lowest sale fares are available only on certain itineraries. Lowest sale fares are only valid for travel on Tuesdays, Wednesdays, and Saturdays. Higher sale fares are available for travel on Monday, Thursday and Friday. Blackout dates are December 20, 2013 through January 8, 2014, January 17, 2014, January 20, 2014, February 14, 2014 and February 17, 2014. Seats are limited, subject to availability, and may not be available on all flights. Flights may not operate daily. Tickets are non-refundable and non-transferable. Changes or cancellations can be made for a $100 fee per guest through all channels, plus any increase in fare, if applicable. Any remaining balance will be placed in a guest's travel bank, good for travel on Virgin America for one year from date of issue. Changes or cancellations of a booking made with Elevate Points will be subject to a $100 redeposit fee per guest. Guests who no-show without a change or cancellation prior to the scheduled departure time will forfeit the amount of this fare. In addition, any future flights booked in the same reservation will also be canceled and the fare will be forfeited. Tickets purchased from Virgin America through our reservation call center will cost an additional $20 per guest per itinerary. Any added cost associated with purchasing tickets from Virgin America through our reservation call center will be non-refundable. Fares will not be honored retroactively or in exchange for any wholly or partially used ticket. Fares, routes, fees and schedules are subject to change without notice. Virgin America will accept up to ten pieces of checked baggage, up to 50 pounds each, per ticketed guest traveling within the U.S. The fee for each piece of checked baggage up to 50 pounds is $25. Additional fees apply to baggage exceeding these weight limitations, and other baggage restrictions may apply.


Note:
I priced a sample fare from ORD-SFO and noticed Southwest airlines matched prices on their analogous route from MDW-SJC for $129 on Dec. 11!



Flight Deals Deals
Advice on paying down student loans vs. 401k contributions
Added on : Friday November 29th 2013 09:00:10 AM
g: 0 Posted By: br435
Views: 78 Replies: 0 Hi,

Here is our (my fiance and I) situation:

Me:
401k account: 50k (currently maxing out contributions and getting some company match)
Roth IRA: 8k
Cash (savings+checking) assets: 90k @ 1%
Debt: None
Income: Approximately 110k per year right now (20% of that being bonus)

Her:
Cash assets: 10k
Debt: 137k (Some @ 5% and some @ 6.8%)
Income: 55k per year, probably going up to something around 120-140k in 1.5 years when she finishes residency

My question:
We are getting married in a few months and I think there are a couple of things we can do to benefit significantly financially. One is for her to max out her 403b contributions (to get the tax benefits). The other is to pay down her loans to reduce the interest. The question is which to do first?They are to some extent mutually exclusive (at least till her income increases) because we do not have the savings to pay down her loan in its entirety at the moment. So would we derive more benefit in the long term from the tax benefits in the 403b on in the benefits of paying down the high interest loan?

Any and all input welcome. To speed things up I have already considered the financial implications of marriage in general and have decided to take my chances as far as that goes.
Personal Finance Deals
NOT EXPIRED! 50% of ManGrates! Through Midnite Friday 11/29
Added on : Friday November 29th 2013 07:00:10 AM
g: 0 Posted By: Technologist
Views: 138 Replies: 0 FIFTY13 Fill out someone's grill with this amazing deal. Take advantage of the lowest price of the year to purchase ManGrates: 50% off the regular price!We are offering this "blackened" Friday deal to our loyal ManGrate family from now until the stroke of midnight Friday, Nov. 29. These heavy-duty grates are sure to make the griller on your gift list happy.

Use the code below when ordering.
Coupon Code: FIFTY13

https://www.mangrate.com/Offers/PlaceOrder.aspx?CouponCode=FIFTY...

mangrate.com
------------------ END of their email advertising --------
I don't think shipping is included, and can be high (these are solid cast Iron grates and VERY heavy!).

I personally have these... and paid about the same for mine. They seem expensive (are kinda are), but I will not grill NOW without them. Had mine in place for a year or 2.. Love them.

My grill needed 3 for daily use, so I actually have a spare. Not that I will ever have to replace any of these.

Let me look around, and maybe I can find some pics to post. Let's just say actual cook time reduced, flavor increased, and "Pro" looking grill marks are a breeze!

Ask questions, and I will try and answer, as time allows!

PS this is NOT expired! Through Midnite tonite!!!

Home & Garden Deals
g: -1 Posted By: tedhawkins
Views: 135 Replies: 0 Guns & Ammo - Black 22LR "Game Changer" Compensator by TANDEMKROSS $24.99 + $3.99 S/H

http://www.gearhog.com/?did=67089

Deal Overview
At a glance:
- Dramatically reduces muzzle rise and improves accuracy
- Large openings for easy cleanings
- Installs in seconds


Threading: x 28 TPI Threaded end barrels.
Outside diameter: 1"

When shooting for accuracy every advantage is critical for that precise shot. The high quality and specially engineered TANDEMKROSS muzzle brake was designed specifically with the 22 LR cartridge in mind. Unlike other models that have vent holes all over, the TK Compensator has directed vent ports on the top and the side giving the right amount offset for the .22LR cartridge.

Made out of high strength T6061 aluminum, this brake features strategically placed vents that dramatically reduce recoil that can ruin that once in a lifetime shot. Increase your accuracy and get the TANDEMKROSS "Game Changer" today!

Don't forget, all TANDEMKROSS compensators come with a LIFETIME guarantee!
Guns & Ammo Deals
g: 0 Posted By: isabellajones
Views: 212 Replies: 0 http://www.amazon.com/dp/B00CL8F98W

List Price: $119.99
Price: $69.99

features:

Pan & Tilt - Pan and Tilt live video and keep an eye on a larger area
Night Vision - View up to 26 feet in total darkness
Sound and Motion Detection - Enhanced email alerting based on sound and motion sensing technology
Wi-Fi Extender - Increase wireless coverage for adding more cameras
Remote Viewing - Free remote live video viewing on mobile devices and web browsers with mydlink


Cameras Deals

Amazon Coupons
Cash InFLOW!
Added on : Tuesday November 26th 2013 03:00:07 PM
g: -3 Posted By: xkimtu
Views: 23 Replies: 3 A firm is considering a line of contact lens production. The new production line will cost $210,000 Net working capital is expected to increase by $40,000. The new line will be depreciated over its 7 year life using straight line depreciation (assume no salvage value for this calculation). Revenues are expected to increase $80,000 the first year and increase at a rate of $8000 a year thereafter (i.e. yr 1 =80,000; yr 2 = 88,000). Operating costs are expected to jump $50,000 in the first year and increase at a rate of $5000 per year thereafter. After seven years it is estimated that the machine will have a salvage value of $25,000. The firm has a marginal tax rate of 40%. =14.0pt=14.0ptWhat are the net initial investment (CF0), annual cash flows, and the terminal value?
Personal Finance Deals
50% of ManGrates! Through Midnite Friday 11/29
Added on : Tuesday November 26th 2013 12:00:05 PM
g: 1 Posted By: Technologist
Views: 323 Replies: 4 FIFTY13Fill out someone's grill with this amazing deal. Take advantage of the lowest price of the year to purchase ManGrates: 50% off the regular price!We are offering this "blackened" Friday deal to our loyal ManGrate family from now until the stroke of midnight Friday, Nov. 29. These heavy-duty grates are sure to make the griller on your gift list happy.

Use the code below when ordering.
Coupon Code: FIFTY13

------------------ END of their email advertising --------
I don't think shipping is included, and can be high (these are solid cast Iron grates and VERY heavy!).

I personally have these... and paid about the same for mine. They seem expensive (are kinda are), but I will not grill NOW without them. Had mine in place for a year or 2.. Love them.

My grill needed 3 for daily use, so I actually have a spare. Not that I will ever have to replace any of these.

Let me look around, and maybe I can find some pics to post. Let's just say actual cook time reduced, flavor increased, and "Pro" looking grill marks are a breeze!

Ask questions, and I will try and answer, as time allows!
Appliance Deals
Dell Home Black Friday Deal Roundup
Added on : Tuesday November 26th 2013 11:00:09 AM
g: 2 Posted By: Solipsist
Views: 607 Replies: 1 Dell will be keeping all of their Black Friday Door Busters on one page instead of individual product pages this year. This should help them provide better notifications and possibly offer a replacement deal when one of the deals expires.

This thread includes a roundup of all the door buster deals, along with the standing Black Friday deals and their start times.

First, here are the three main landing pages for Black Friday Deals (link text and discount percentages provided by Dell):

Black Friday Doorbusters: Up to 47% off Popular PCs, Tablets, and Electronics with Free Shipping
Up to 37% off Popular Laptops, Desktops, and Tablets with Free Shipping + Extra $50 off $499+ w/ Code (Excludes Doorbusters, Alienware, and Venue 11 Pro)
Up to 53% off Popular Electronics and Accessories - featuring Samsung, LG TV, Dell Monitor, Xbox, and More


BLACK FRIDAY DOORBUSTERS:

Doorbusters Starting Thursday 11/28/2013 @ 6PM EST (Limited Quantities: Deals End 11/29/2013 1:00pm EST or When Supplies Run Out):

Dell Venue 8 Android tablet with Intel Atom processor, 2GB memory, 16GB storage - $129.99 with Free Shipping
33% off Xbox 360 4GB with Kinect Holiday Bundle - $199.99 with Free Shipping

Doorbusters Starting Friday 11/29/2013 @ 12AM EST (Limited Quantities: Deals End 11/29/2013 1:00pm EST or When Supplies Run Out):

47% off Dell Inspiron 15 Laptop - $199.99 with Free Shipping (Limited Quantity: Price will increase to $229.99 after doorbuster inventory is sold)
33% off Dell Inspiron 660s Slim Tower Desktop - $199.99 with Free Shipping (Limited Quantity: Price will increase to $229.99 after doorbuster inventory is sold)
$250 off Sharp Aquos 50LE442U 50" 60Hz 1080p LED HDTV - $498 with Free Shipping
50% off Dell E2313H 23" 1080p Widescreen Monitor - $99.99 with Free Shipping

Doorbusters Starting Friday 11/29/2013 @ 8AM EST (Limited Quantities: Deals End 11/30/2013 7:00am EST or When Supplies Run Out):

Dell Inspiron 11 3000 Series Touch Laptop - $299.99 with Free Shipping
39% off Dell Inspiron One 20 All-in-One Desktop - $349.99 with Free Shipping
47% off Nikon D3200 24.2MP Digital SLR Camera Bundle w/ 18-55mm Zoom Lens, Nikkor 55-200mm Lens, and Wireless Adapter - $499.99 with Free Shipping
45% off Canon PowerShot A2500 16MP Digital Camera - $59.99 with Free Shipping

Doorbusters Starting Friday 11/29/2013 @ 2PM EST (Limited Quantities: Deals End 11/30/2013 7:00am EST or When Supplies Run Out):

33% off Dell Inspiron 15 Laptop w/ 3rd Gen Intel Core i3 Processor, 4GB Memory, and 500GB Hard Drive - $299.99 with Free Shipping
38% off Dell Inspiron 660 desktop w/ 3rd Gen Intel Core i5 Processor, 8GB Memory, 1TB Hard Drive, and 22" Dell Monitor - $549.99 with Free Shipping
44% off Dell 1TB External Portable Hard Drive - $49.99 with Free Shipping
57% off Jabra Sport Corded Headset - $29.99 with Free Shipping


BLACK FRIDAY STANDING OFFERS:

Laptops:

38% off Dell Inspiron 15 Laptop with 4th Gen Intel Core i5 Processor, 6GB Memory, and 750GB Hard Drive - $449.99 with Free Shipping Coupon code HF08ZLDCXJM19W(Starts 11/27/2013 6:00pm, Ends: 11/30/2013 7:00am EST)
36% off Dell Inspiron 15R Laptop with 4th Gen Intel Core i5 Processor, 8GB Memory, and 1TB Hard Drive - $549.99 with Free Shipping Coupon code HF08ZLDCXJM19W(Starts 11/27/2013 6:00pm, Ends: 11/30/2013 7:00am EST)
40% off Dell Inspiron 15R Touch Laptop w/ 4th Gen Intel Core i5 Processor, Touch Screen, 8GB Memory, and 1TB Hard Drive - $649.99 w/ free shipping! Coupon HF08ZLDCXJM19W(Starts 11/27/2013 6:00pm, Ends: 11/30/2013 7:00am EST)
32% off Dell Inspiron 17R 17" Laptop with 4th Gen Intel Core i7 Processor, 8GB Memory, and 1TB Hard Drive - $699.99 with Free Shipping Coupon code HF08ZLDCXJM19W(Starts 11/27/2013 6:00pm, Ends: 11/30/2013 7:00am EST)

Desktops:

$140 off Dell Inspiron 660s Slim Tower Desktop with 3rd Gen Intel Core i3 Processor, 4GB Memory, and 1TB Hard Drive - $379.99 with Free Shipping(Starts 11/27/2013 6:00pm, Ends: 11/30/2013 7:00am EST)
37% off Dell Inspiron 660 Desktop with 3rd Gen Intel Core i5 Processor, 8GB Memory, and 1TB Hard Drive - $449.99 with Free Shipping(Starts 11/27/2013 6:00pm, Ends: 11/30/2013 7:00am EST)
30% off Dell XPS 8700 Desktop with 4th Gen Intel Core i7 Processor, 8GB Memory, and 1TB Hard Drive - $649.99 with Free Shipping Coupon code HF08ZLDCXJM19W(Starts 11/27/2013 6:00pm, Ends: 11/30/2013 7:00am EST)
35% off Inspiron One 23 All-in-One Desktop w/ 3rd Gen Intel Core i3, 1080p Touch Display, 8GB Memory, & 1TB Hard Drive - $699.99 w/ free shipping! Coupon code HF08ZLDCXJM19W(Starts 11/27/2013 6:00pm, Ends: 11/30/2013 7:00am EST)

Tablets:

Dell Venue 7 Android Tablet + 32GB Micro SD Card - $149.99 with Free Shipping(Starts 11/27/2013 6:00pm, Ends: 11/30/2013 7:00am EST)
Dell Venue 8 Pro Windows 8.1 Tablet w/ Folio Case and 1-Year Accidental Damage Protection - $299.99 with Free Shipping(Starts 11/27/2013 6:00pm, Ends: 11/30/2013 7:00am EST)
Dell Venue 11 Pro Windows 8.1 Tablet w/ 1-Year Accidental Damage Protection - $499.99 with Free Shipping(Starts 11/27/2013 6:00pm, Ends: 11/30/2013 7:00am EST)

Alienware:

$100 off Alienware X51 Compact Gaming Desktop with 4th Gen Intel Core i3 Processor - $599.99 with Free Shipping(Starts 11/27/2013 6:00pm, Ends: 12/2/2013 12:55am EST)
$100 off Alienware 14 Gaming Laptop with 4th Gen Intel Core i5 Processor - $999.99 with Free Shipping(Starts 11/27/2013 6:00pm, Ends: 12/2/2013 12:55am EST)

Monitors:

42% off Dell S2240T 21.5" Multi-Touch 1080p Widescreen Monitor - $199.99 with Free Shipping(Starts 11/28/2013 6:00pm, Ends: 11/30/2013 7:00am EST)
43% off Dell UltraSharp U2312HM 23" 1080p Widescreen IPS Monitor - $169.99 with Free Shipping(Starts 11/28/2013 6:00pm, Ends: 11/30/2013 7:00am EST)
37% off Dell UltraSharp U2413 24" 1080p Widescreen IPS Monitor - $379.99 with Free Shipping - Coupon code $PWG5126T786W?(Starts 11/28/2013 6:00pm, Ends: 12/3/2013 7:00am EST)

HDTVs:

25% off Samsung 40" UN40EH5300 1080p 120CMR Smart LED HDTV - $397.99 with Free Shipping(Starts 11/28/2013 6:00pm, Ends: 11/30/2013 7:00am EST)
25% off Samsung 32" UN32EH5300F 1080p 60Hz 120CMR Smart LED HDTV - $297.99 with Free Shipping(Starts 11/28/2013 6:00pm, Ends: 11/30/2013 7:00am EST)
37% off LG 32" 32LN520B HDTV - $219.99 with Free Shipping(Starts 11/28/2013 6:00pm, Ends: 11/30/2013 7:00am EST)
41% off LG 47" 47LN5200 1080p LED HDTV - $469.99 with Free Shipping(Starts 11/28/2013 6:00pm, Ends: 11/30/2013 7:00am EST)
53% off LG 55" 55LN5600 1080p Smart LED HDTV with Built-In WiFi - $724.99 with Free Shipping(Starts 11/28/2013 6:00pm, Ends: 11/30/2013 7:00am EST)

Gaming:

$30 off Xbox 360 4GB console - $179.99 with Free Shipping(Starts 11/28/2013 6:00pm, Ends: 11/30/2013 7:00am EST)
33% off NBA 2K14 for Xbox 360 - $39.99 with Free Shipping(Starts 11/28/2013 6:00pm, Ends: 11/30/2013 7:00am EST)

Software:

92% off McAfee AntiVirus Plus 2014 for 3 PCs - $4.99 with Free Shipping(Starts 11/28/2013 6:00pm, Ends: 11/30/2013 7:00am EST)

Printers:

50% off Dell B1165nfw Mono Multifunction Laser Printer - $99.99 with Free Shipping(Starts 11/28/2013 6:00pm, Ends: 11/30/2013 7:00am EST)
50% off Dell C1765nfw Multifunction Color Printer - $169.99 with Free Shipping(Starts 11/28/2013 6:00pm, Ends: 11/30/2013 7:00am EST)

Audio:

Jabra Solemate Mini Speaker - Exclusive Red and Exclusive Price Only on Dell.com - $79.99 with Free Shipping(Starts 11/28/2013 6:00pm, Ends: 11/30/2013 7:00am EST)

Computers Deals

Dell Consumer Coupons
g: 0 Posted By: kotakramesh
Views: 59 Replies: 0 http://www.staples.com/HP-Pavilion-15-N020US-15-inch-Touch-Screen-Laptop/product_275819
Coupon code: 64888

FInal price: $479-$100 coupon-$50 rebate=$329

Product Info
Reviews
Supplies & Accessories


Product Details
Specifications

PRODUCT DETAILSTouch within your reach!Imagine what's possible when proven technology meets the intuitive ease of touch. With dependable processing power, lots of applications and up to 750GB of storage, you can do it all on this TouchSmart notebook that's built to last.

AMD Quad-Core A6-5200 Accelerated Processor 2.00 GHz 2MB L2 Cache
4GB DDR3L SDRAM
750GB 5400RPM hard drive with HP ProtectSmart Hard Drive Protection
15.6-inch diagonal HD BrightView LED-backlit touchscreen display (1366x768)
SuperMulti DVD burner
802.11b/g/n WLAN
Full-size island-style keyboard with numeric keypad
HP TrueVision HD Webcam
DTS Sound+: Dynamic and subtle nuances provide rich sounds for a concert-like experience
Lithium ion battery; Up to 4 hours battery life
Dimensions: 0.97 in (H) x 15.18 in (W) x 10.16 in (D) (5.6 LBS)
Windows 8
1 Year Limited Hardware Warranty with Toll-Free Support

Portable
Weighing in at about 5.6 pounds, the HP Pavilion 15-inch touchscreen laptop measures less than an inch high when closed. This slim lightweight computer provides an abundance of disk space to hold all of your files and programs but remains small enough to travel with you wherever you go.Vivid Picture and Sound
The 15.6-inch display supports high-definition images, allowing you to enjoy superior picture quality when watching movies, viewing images, or playing games. The DTS Sound+ system produces rich dynamic sound that will make you feel like you're in a concert hall. The HD webcam coupled with the HP TrueVision software will ensure you always look your best whether you're video chatting with family or conferencing with coworkers over Skype.Convenient
The HP Pavilion 15-inch touchscreen laptop lets you easily move through files and programs using just your fingertips. Swipe and tap your way to increased productivity.SPECIFICATIONS
Laptop Screen Size (Inches) 17.3 Laptop Screen Size 15"-15.9" Laptop Display Type Diagonal HD(33) BrightView LED-backlit touchscreen display (1366x768) Laptop Memory RAM (GB) 4 Laptop Memory Type DDR3L SDRAM (1 DIMM) Laptop Hard Drive Capacity Details_db2_3511 750GB Laptop Hard Drive Capacity (GB) 750 Laptop Hard Drive Speed 5400RPM Laptop Processor Type Details AMD Quad-Core A6-5200 Accelerated Processor Laptop Processor Type_db2_13376 AMD A6 Laptop Processor Speed 2.0GHz CPU Cache 2MB L2 Cache Laptop Optical Drive SuperMulti DVD burner Laptop Network Card 10/100BASE-T Ethernet LAN (RJ-45 connector) Bluetooth Compatibility No Laptop Operating System Windows 8 Laptop Extra Features HP CoolSense Laptop Other ports 1 HDMI, 1 RJ-45 (LAN), 1 Headphone-out/microphone-in combo jack Laptop USB Slots SuperSpeed USB 3.0, 1 Universal Serial Bus (USB) 2.0 Laptop Video Graphics AMD Radeon HD 8400 graphics Video Graphics Memory Up to 2029MB total graphics memory Media Card Reader Multi-format digital media card reader for Secure Digital cards Laptop Audio DTS Sound+ Laptop Color Details Black/Silver Laptop Color Black Laptop Webcam HP TrueVision HD Webcam: Always come off looking your best. Even in low light.( Laptop Battery Life Up to 4 hours Laptop Battery Type 4-cell 41WHr 2.8Ah lithium-ion battery Laptop Dimensions (L x W x H) 47.24"L x 39.37"W x 46"D Laptop Weight 5.6 lbs. Laptop Warranty 1-Year Warranty Laptop Use Everyday Laptop Refurbished No Laptop Style Laptop/Notebook Touch Screen Enabled Yes
g: 0 Posted By: Solipsist
Views: 14 Replies: 0 Call of Duty: Ghosts for PS3, PS4, Xbox 360, or Xbox One @ Groupon - $39.99
was $59.99
Free Shipping, free returns Limited quantity available at $39.99.  Once those sell out, the price will increase to $49.99  (FatWallet Deal Hunter staff posts are certified ad-free. No money, bribes, or candy have been accepted.)
Xbox One Games Deals

Groupon Coupons
Outdoors - Klymit Inertia XL Recon Camping Pad $69 + Free shipping
Added on : Monday November 25th 2013 06:00:07 AM
g: 0 Posted By: tedhawkins
Views: 219 Replies: 0 Outdoors - Klymit Inertia XL Recon Camping Pad $69 + Free shipping

http://www.gearhog.com/

Deal Overview
Quick Overview
With comfort features like a built in pillow and side rails, the Inertia XL is both the most luxurious camping pad in existence, and the lightest oversize pad on the market.

Now get the Inertia XL in the Recon version with the military color.

Like its nimble little brother the Inertia X Frame, this Inertia XL is the lightest, most compact and technically advanced camping pad in its category of oversized camping pads. The Inertia XL (IXL) offers increased support, body mapping, coverage area, tossing room, and even an integrated head cradle pillow.

The Inertia XL accommodates more body shapes and sizes with its more neutral body map design. The Inertia XL offers the same technologies as the Inertia X Frame, such as loft pocket technology, customizable pressurized comfort and support, ultralight and compact, and low volume for inflation. This is the ultimate pad for those looking for a little more comfort and support but still want the smallest, lightest thing out there.

Technologies:
Loft Pocket
Body Mapping

Specs
Weight: 18.8 oz, 533 g
Dimensions: 77" x 25" x 1.5", 2 m x 0.64 m x 3.81cm
Type: Inflatable Sleeping Pad
R-Value: Loft Pockets
Packed Size: 4" x 9", 101mm x 228 mm
Includes: Dry Air Pump, Stuff Sack, Patch Kit
Fabric: 75D Polyester
Warranty: Limited Lifetime
Camping Deals
Buying a throwaway home for lot value at the beach?
Added on : Sunday November 24th 2013 03:00:08 PM
g: 0 Posted By: elptrainerny
Views: 0 Replies: 0 Looking to buy vacation home. Two investments have came up. Both are about same price, 340k in NY beaches..

-3/1 with large patio (could put 2nd bathroom there) but part of a share 4 unit building so HOA fees which covers garbage, flood, etc of $225/mo. No view but better location. Will make 15k summer, 3k winter.=18k total

-2/2 summer house (as no heat), with big backyard and view of bay. Will make 10k-11k/summer. The house is built on a standard lot size, so 5-10 yrs from now, I could put 300k house on it, and greatly increase income. A 2 unit would bring 35-40k/summer, another 5k in winter, etc. .The wild card is the bay can flood during a bad hurricane, and since it's a legacy house, there's no flood insurance avail.

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

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

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

What do you suggest that I do? Long term plan is approximately ROTH IRA max annual retirement contributions(11K) and roughly equal savings investment (to cover major purchases, house down payment in a decade, etc). I expect my expenses to roughly increase with my income over the next several years.
Tax Deals
Citi Dividend World Mastercard limit?
Added on : Sunday November 24th 2013 08:00:10 AM
g: 0 Posted By: theboogeyman
Views: 0 Replies: 0 After Citi bumped my CL to $21K on my Dividend card, they stopped offering me automatic increases. They haven't given me anymore increases for over a year and a half. I try the request credit line increase link every couple of months but I have to fill out the form now. They used to give me about $3K increases every time. I did stop using this card after I switched to Chase freedom and Discover. Did Citi stop giving me increases b/c I stopped using their card or is $21K the limit?
Investing Strategy - Shorting ETF Pairs
Added on : Friday November 22nd 2013 06:00:11 AM
g: 0 Posted By: jameshasty
Views: 21 Replies: 0 I know this was discussed a while ago on this forum but I did not take the plunge and try it until now. As I plan to expand the use of this strategy in the future depending upon the results feedback would be appreciated.

The idea is to take two matching ETF leveraged funds and short both of them in roughly equal dollar amounts.

At the risk of stating the obvious I will lay out my understanding and concerns regarding these investment vehicles and this strategy:

1. ETF leveraged funds are very risky in nature, messing with them can end up with a very bad outcome
2. Matching long and short ETF funds should serve to partially offset losses but in the short to mid term can result in significant losses if the underlying investment goes on a run (large change in value - up or down).
3. In the long run ETF leveraged funds are bad investment vehicles to hold in a long position as they will underperform the underlying investment due to frequent trading and resulting fees
4. Object is to avoid selling positions long enough to make a profit from their inevitable losses
5. The best way to ride out short to mid term losses on matched short positions is to limit the investment to a small percentage of overall portfolio.
6. Shorting the positions is cash flow positive and will not result in a margin balance but will increase the risk of a margin call by using up available margin on existing investments
7. On any short position the potential loss is unlimited
8. The less volatile the underlying commodity, the less chance of large losses

I think the most important thing here is to start small and limit the risk. If this works as anticipated I can always expand later. Also, by limiting the amount involved the risk of a margin call should be negligible.

With that being said I took the plunge and sold the following ETF positions:

DRV Real Estate Bear 3x Shares
URE Ultra Real Estate

EDC Emerging Markets Bull 3X Shares
EDZ Emerging Markets Bear 3x Shares

The total amount is roughly 4% of the long investments and 5% of the account NAV.

I could not short the 3X real estate long ETF (no shares available) so I took a 50% larger position in the short of URE.

Whether you have done this for yourself or not I would be interested in hearing feedback regarding this strategy, your experiences, and any advice you may have.

While I think this will work without taking the time and effort to rebalance I would like to hear feedback abouthow important or helpful it would be to do so (if at all).

Investing Deals
Insurers Cut Doctors' Fees in New Health-Care Plans
Added on : Friday November 22nd 2013 06:00:11 AM
g: 0 Posted By: CollegeSavings
Views: 76 Replies: 1 As per WSJ, doctors' are getting paid less under new plan.
http://online.wsj.com/news/articles/SB10001424052702304607104579212450545926912

My thinking is reverse. More customers with insurance now, more money. As more people will have insurance now, they will visit doctors, hospitals more which will increase total revenue for them.

Do doctors like to complain in general or is it because their take home netis less now in reality?

General Economics Deals
g: 3 Posted By: remick
Views: 980 Replies: 2 Early Elementary Interactive Math Lessons
https://www.educents.com/national-deals/deal/multiplication-freebie#.UoxBN8Ssidk

This software is not compatible with MACs

Technology is changing the way we learn, making the process more fun, interactive and effective!
A+ Interactive Math by TutorSoft Inc. offers you highly animated interactive MATH lessons to teach fraction concepts to your child! By using visual, audio, and interactive textual teaching models, learning and practicing fractions will keep your children attentive and engaged!
Multiplication comes to life for young students as they work their way through this supplemental program!

Who is it for?
Elementary Students
Teachers & Homeschoolers
Parents

What is included?
Highly animated, concise and to-the-point lessons with all three learning modalities (Audio, Visuals and Text) to increase understanding of concepts.
Interactive Review helps identify and close learning gaps immediately as it automatically re-teaches concepts.
Enhances student learning with practice problem solving, feedback and step-by-step instructions.
Curriculum Book provides easy access to lessons in eBook format.
Printable worksheets and exams allow students flexibility to practice problem solving with pen & paper.
Worksheet Solution Guide provides step-by-step solutions to each printable worksheet.
Exams Solution Guide provides step-by-step solutions to each printable exam.


Dino-Roar Math Centers
https://www.educents.com/national-deals/deal/dino-math-center-freebie#.UoxBxcSsidk

Katys 1st grade kiddos LOVE to learn through math games! Learning with dinosaur themed math centers, are just plain FUN!

Includes:
Roaring Story Problems
Addition Match Up
Dino Make Ten
Missing Dinos
Number Order Dinos
Count to 120
Add & Subtract 10
Dino Graphing
Dino Fractions

Who is it for?
Learners in Kindergarten, 1st, 2nd grade
Teachers and Homeschoolers
Parents

What is included?
63 pages of activities, games & math centers
Dinosaur-themed



Software Deals
g: 1 Posted By: remick
Views: 0 Replies: 0 Early Elementary Interactive Math Lessons
https://www.educents.com/national-deals/deal/multiplication-freebie#.UoxBN8Ssidk

This software is not compatible with MACs

Technology is changing the way we learn, making the process more fun, interactive and effective!
A+ Interactive Math by TutorSoft Inc. offers you highly animated interactive MATH lessons to teach fraction concepts to your child! By using visual, audio, and interactive textual teaching models, learning and practicing fractions will keep your children attentive and engaged!
Multiplication comes to life for young students as they work their way through this supplemental program!

Who is it for?
Elementary Students
Teachers & Homeschoolers
Parents

What is included?
Highly animated, concise and to-the-point lessons with all three learning modalities (Audio, Visuals and Text) to increase understanding of concepts.
Interactive Review helps identify and close learning gaps immediately as it automatically re-teaches concepts.
Enhances student learning with practice problem solving, feedback and step-by-step instructions.
Curriculum Book provides easy access to lessons in eBook format.
Printable worksheets and exams allow students flexibility to practice problem solving with pen & paper.
Worksheet Solution Guide provides step-by-step solutions to each printable worksheet.
Exams Solution Guide provides step-by-step solutions to each printable exam.


Dino-Roar Math Centers
https://www.educents.com/national-deals/deal/dino-math-center-freebie#.UoxBxcSsidk

Katys 1st grade kiddos LOVE to learn through math games! Learning with dinosaur themed math centers, are just plain FUN!

Includes:
Roaring Story Problems
Addition Match Up
Dino Make Ten
Missing Dinos
Number Order Dinos
Count to 120
Add & Subtract 10
Dino Graphing
Dino Fractions

Who is it for?
Learners in Kindergarten, 1st, 2nd grade
Teachers and Homeschoolers
Parents

What is included?
63 pages of activities, games & math centers
Dinosaur-themed


Cutting Up CVC Words
https://www.educents.com/national-deals/deal/cvc-word-freebie#.UoxCZ8Ssidk

Who is it for?
Learners in PreK, Kindergarten, 1st grade
Teachers and Homeschoolers
Parents

What is included?
15 Printables!




Software Deals
g: 0 Posted By: joelbert
Views: 81 Replies: 0 This has been in and out of stock for about a week now, and is currently back in stock at $139.99, link and also as a 'B grade scratch and dent' for 134.99 here.

Original credit to Brusbrother.
Slim Desktop PC Windows 7 Professional DC7900

Core 2 Duo E8400 3.0GHz
2GB 160GB HDD Capacity
Windows 7 Professional
CPU Benchmark 2171
Might want to increase RAM (DDR2)
Comes with 32 and 64 bit disc


My father missed the first go round on the grade a ones, and got the B-grade, and doesn't see anything wrong with it. One of the reviews on Newegg said that they got a B-grade, that "It looked like it came out of the dumpster, the case was all bang up and have black scrape marks all over." So I guess ymmv on condition of the b grades.

I should be getting one of each delivered tomorrow.

Links to old threads with more discussion

http://www.fullofdeals.com/forums/expired-deals/1314080/
http://www.fullofdeals.com/forums/expired-deals/1313316/
http://www.fullofdeals.com/forums/expired-deals/1312358/

Computers Deals

Newegg Coupons
HDHP Premiums in 2014
Added on : Saturday November 16th 2013 07:00:07 PM
g: 0 Posted By: redpoint5
Views: 77 Replies: 1 Back in June, I purchased an HSA qualified High Deductible Health Plan for my wife with a monthly cost of $92 (Portland, OR market). I researched the rates on ehealthinsurance.com, and choose the cheapest HSA qualified plan. We just got a letter in the mail saying premiums would go up in 2014. Upon further research, the cheapest HSA qualified HDHP I can find is $141. That is a 52% increase in just 1 year! What's worse, we have moved 7 miles, across the river into Washington, and the cheapest qualified HSA is $176; 91% more expensive than we were paying in 2013. Looking at other markets, LA for example, 2013 rates were $95. For 2014, they increase to $201!

I've already maxed her contribution for the year, and the rules stipulate that a HDHP must be maintained for the full 2014 year. FYI, she is a healthy 28 year old, and we currently have an annual household income of $60k.

How could rates have increased 112% in a single year? Why is there no news coverage of what appears to be a massive nationwide increase to HDHP premiums? What is the best financial move given our situation?

Discussion Deals
g: 0 Posted By: VivYip
Views: 163 Replies: 0 credit techbargains

Newegg has this item for $54.99 with free shipping and no tax in most states

Seagate Barracuda ST1000DM003 1TB 7200 RPM 64MB Cache SATA 6.0Gb/s 3.5" Internal Hard Drive Bare Drive
SATA 6Gb/s, 64MB Cache
High performance with Seagate AcuTrac servo technology, Seagate OptiCache technology
2-year limited warranty
Features 1TB platters for increased power efficiency & speed and uses Seagate Smart Align technology provides a simple, transparent migration to Advanced Format 4K sectors. 64MB cache and compatible with SATAIII 6Gbps interface.

Hope this might help someone. Thank you for reading.
Hard Drives Deals

Newegg Coupons
g: 0 Posted By: brusbrother
Views: 5 Replies: 0 Was posted previously by

brusbrother


but expired , now OPEN again ONLY DIFFERENCE MAKE SURE YOU USE COUPON CODECNSUMER11240 for 10 dollars off making it $139.99

LINK TO SYSTEM

Desktop PC Windows 7 Professional DC7900

Core 2 Duo E8400 3.0GHz
2GB 160GB HDD Capacity
Windows 7 Professional
CPU Benchmark 2171
Might want to increase Ram
Comes with 32 and 64 bit disc

There is room to install a second HD beneath the DVD drive. Very easy access. Nice clean unit for a refurbished unit.
Stores open on Thanksgiving to begin the sales for Black Friday
Added on : Wednesday November 13th 2013 02:00:04 PM
g: 0 Posted By: Ayla
Views: 252 Replies: 2 I was at a site, and found this information, and thought I would share, if anyone has more information, for other stores, please feel free to add the information. If I find more, I will edit and add.

1. WalMartThanksgiving day opening: Specials begin at 6:00 p.m. and 8:00 p.m. (Many stores open 24 hrs.)Wal-Mart Stores posted more than $328 billion in retail sales at its more than 4,500 U.S. stores last year. Overall, WalMart's sales were greater than the seven other retailers on this list combined. But with Thanksgiving falling on November 28, later than in most years, and consumer budgets expected to be tight, the retail giant moved its opening hours earlier in an attempt to capture sales. WalMart also pushed up the start of its online annual holiday deals by one month, to early November.

2. TargetThanksgiving day opening: 8:00 p.m.Target plans to open stores at 8 p.m. on Thanksgiving, an hour earlier than last year. The stores will remain open all night and close on Black Friday at 11 p.m. However, Target had limited success on Black Friday last year. According to Placed, a location analytics firm, Target failed to match the performance of other top retailers on this critical shopping day. This year, the chain also plans to offer Thanksgiving deals to online shoppers and lead up to the Thanksgiving opening hour with a special online-only promotion of 15 daily discounts. The online promotion will last two weeks. In 2012, Target's 1,778 stores had revenues of nearly $72 billion, more than 5% more than the prior year.

3. Best BuyThanksgiving day opening: 6:00 p.m.Best Buy announced last week that more than 1,000 stores will be open all night on Thanksgiving, starting at 6 p.m., and close on Friday at 10 p.m. Best Buy's U.S. sales totaled $34.4 billion in 2012, an increase of just 1.1% from the prior year. In recent years, the consumer electronics retailer has been has lost sales to online retailers. While traffic at the stores may have remained the same, many customers simply used the stores to test products before buying them at Amazon.com or other e-commerce sites, a phenomenon called "showrooming." This year the company is embracing its showroom reputation and hopes to boost sales by bringing in additional foot traffic. Best Buy also said that it would lead up to Thanksgiving with special offers for rewards card members in the days before the holiday.

4. SearsThanksgiving day opening: 8:00 p.m. at Sears stores and 6:00 a.m. at Kmart StoresSears Holdings will open its Sears stores at 8 p.m. on Thanksgiving. The stores will remain open until 10 p.m. on Black Friday. At its Kmart stores, the shopping season will get an even earlier start. Kmart stores will open at 6 a.m. on Thanksgiving morning and remain open for 41 hours, until 11 p.m. Friday night.

5. Macy'sThanksgiving day opening: 8:00 p.m.Macy's stores will open on Thanksgiving for the first time in the company's history, and they will stay open through Black Friday evening. The company's chief stores officer noted that it was time for Macy's to join "the fun and excitement" of the Black Friday shopping spree. The company already had a significant presence on Thanksgiving, however. Macy's has sponsored the Macy's Thanksgiving Day Parade in New York since the 1920s. Last year, Macy's posted U.S. sales of about $27 billion in 2012, up 5% over 2011 sales.

6. Kohl'sThanksgiving day opening: 8:00 p.m.Most Kohl's stores will open Thursday evening at 8 p.m. and close again at midnight on Black Friday. This is the store's earliest ever Thanksgiving opening. The company is offering more than 500 online deals beginning on the Tuesday before Thanksgiving. Kohl's called the Black Friday shopping frenzy a "much-anticipated tradition enjoyed with family and friends" sort of like Thanksgiving dinner. Kohl's posted U.S. sales of more than $19 billion in 2012, up 2.5% from 2011.

7. J.C. PenneyThanksgiving day opening: 8:00 p.m.J.C. Penney is opening its retail stores a full 10 hours earlier than it opened its stores last year. J.C. Penney posted U.S. sales of about $13 billion in 2012, a drop of nearly 25% from the prior year, and this year's sales are going to be much worse, judging from its performance so far. J.C. Penney cannot afford to stay closed if competitors like Kohl's and Macy's are open. Whether the extended hours will help the struggling retailer at all is questionable. But J.C. Penney already held what it called its "biggest sale ever" in early November. Whether the company chose to launch the sale to clear out old products before Black Friday, or to raise desperately needed cash, has not been disclosed.

8. The GapThanksgiving day opening: 9:00 a.m. at Old Navy storesThe Gap plans to open more than 900 Old Navy stores from 9 a.m. to 4 p.m. on Thanksgiving Day. Additionally, about 700 stores will reopen at 7 p.m. that day and remain open until the end of Black Friday. In order to generate excitement, and compete for consumer dollars during a cutthroat holiday season, Old Navy plans to give away $1 million to one shopper during its Black Friday event. The company has not posted extended Thanksgiving hours for Gap or Banana Republic stores. Gap posted $12 billion in U.S. sales last year, up 5% from 2011.
Home & Garden Deals
Allegiant Air - when's the best time to buy tickets online?
Added on : Wednesday November 13th 2013 05:00:12 AM
g: 0 Posted By: michelb
Views: 130 Replies: 1 As most people who've flown with Allegiant Air know, their prices vary like crazy. Has anyone determined if there was a best time or day to increase chance of getting the best price?

Let us know. Thanks
Air Travel Deals
Need advice on renting out my primary home (Updated)
Added on : Tuesday November 12th 2013 04:00:12 PM
g: -1 Posted By: nasheedb
Views: 2820 Replies: 26 I'm the guy who is moving to Switzerland (http://www.fullofdeals.com/forums/finance/1300987). I am looking for some advice on renting out my primary home. Here are the details:

-Purchased the house in August of 2009 for $165,000 and I received the $8,000 credit, essentially bringing my purchase price down to $157,000
-Current value of the house is around $200,000
-It is in a cookie cutter neighborhood, and it is among the largest and most expensive in the neighborhood.
-I have a HEL at 3.99% fixed, 83 months left on the loan. Current balance $87,xxx

Monthly expenses (current):
$1214 - HEL payment
$424 - property tax (pay in full at the end of the year, this is the yearly cost /12. It will also be higher next year due to no longer being owner occupied)
$96 - insurance (pay in full, yearly cost /12)
$54 - HOA (pay in full, yearly cost /12)
Total: $1788

Property management fee will be 7% on top of this. I would need to charge at least $1925/month for rent just to break-even from a cashflow perspective, and that's before I take maintenance/repairs and vacancies into consideration.

I've had a realtor from the property management company advertise the house on MLS for $2000/month for the past 4 weeks. I've had 3 showings so far, which the realtor says is very low. When we set the $2000/month price, the realtor did a market analysis and said that price was fine. A week ago, a house that's very close to mine came on the market for rent at $1800 a month. My house is a little nicer on the inside, I have tons of landscaping work, I allow for pets on a case-by-case basis, I'm including all appliances, so I am adding a little bit of value compared to the other house, but probably not much. The realtor wants me to drop the price to $1800 a month. That would leave me in a pretty bad position from a cashflow perspective. I really don't want to go this low.

I'd like to try adding a bonus for the renter's realtor. Normally they get half a month's rent as commission. What if I were to increase this by say $500? That's 50% more than what they would get normally. Is this worth a try? Any advice is appreciated. I have to move by the end of December, but the sooner I move, the better.

I've also tried advertising the house on Craigslist for $1800 a month, but I haven't had any interest. A refinance is basically not an option, I don't want to deal with the headache of refinancing when I'm moving.
Personal Finance Deals
g: 1 Posted By: cyberpitstop
Views: 340 Replies: 1 Akro Mils 10744 44-Drawer Hardware and Craft Cabinet, Red and Gray $19.98http://amzn.com/B00019JP8SFrom the ManufacturerAkro-Mils' 10744 cabinet stacks securely and can also be wall mounted with keyhole slots. Made of clarified polypropylene, the dividable drawers offer easy content identification. Finger-grip drawer pulls provide easy access and rear stop tabs prevent contents from spilling. Akro-Mils products save time and money by helping to increase material handling efficiency in virtually any industry. Our broad range of storage, organization, and transport products are used to shorten assembly times, maintain accurate inventories, optimize storage space, and improve parts protection. Our mission at Akro-Mils is a commitment to manufacturing innovative storage and material handling products of uncompromising quality at a fair price. We support this commitment with professional representation and consistent, superior service to meet the needs of our customers.
Enjoy!! dw

Home & Garden Deals

Amazon Coupons
g: 0 Posted By: VivYip
Views: 170 Replies: 0 credit techbargains

Adorama has this item for $74.99 with free shipping

Kingston Technology HyperX 3K 120GB Solid State Drive, Gen 2 #SH103S3/120G

Applications: Decreased load times of high-resolution PC games
Increased frame rates per second for a better gaming experience
Faster transfers of large media files
Multitasking
AutoCAD
Movie downloads, transfers and syncs
SandForce driven
SATA Rev. 3.0 (6Gb/s)
Up to 555MB/s read; up to 510MB/s write; S.M.A.R.T. technology; TRIM support. This features the the faster and more expensive Toggle NAND.

Hope this might help someone. Thank you for reading.
SSD Deals
g: 0 Posted By: anndesikis
Views: 93 Replies: 0 Was posted previous by

brusbrother

but expired , now OPEN again ONLY DIFFERECE MAKE SURE YOU USE COUPON CODECNSUMER11240 for 10% off

LINK TO SYSTEM

Desktop PC Windows 7 Professional DC7900

Core 2 Duo E8400 3.0GHz
2GB 160GB HDD Capacity
Windows 7 Professional
CPU Benchmark 2171
Might want to increase Ram
Comes with 32 and 64 bit disc

Computers Deals

Newegg Coupons
Dymo 5LB USB Scale-Now $14.99 from Adorama PRICE INCREASED $5
Added on : Monday November 11th 2013 09:00:04 AM
g: 3 Posted By: pghphil
Views: 640 Replies: 1 Dymo 5LB USB Scale-$14.99 Shipped. PRICE INCREASED TO $14.99

Get it here from Adorama.

I have been using this scale for years and have no complaints.


Electronics Deals

Adorama Coupons
Roommate situation took the turn for the worst
Added on : Monday November 11th 2013 05:00:11 AM
g: 0 Posted By: mysteryAgain
Views: 184 Replies: 7 Two months ago, a roommate and I signed one year lease for an apartment in Manhattan. We both gainfully employed and split rent and utilities 50/50. While we didn't really have any major conflicts, plus I spent most of October travelling, he decided to abruptly move out without any explanation and be taken off the lease. When I returned from the trip two weeks ago, h announced that he's moving by December 1, we need to find a replacement and have lease reassigned to a new person and myself, possibly involving creating a new lease. It is a first time happened to me and I don't want to potentially (1) lose an apartment, (2) lose his portion of the rent and utilities if case we don't find a replacement in time. (3) have rent increase due to reassignment (3) lease extended beyond what I agreed in original lease. What should I do in this situation? Please advise.
Personal Finance Deals
g: -1 Posted By: remick
Views: 218 Replies: 0 http://www.amazon.com/Diabetes-Snacks-Treats-Easy-Eats-ebook/dp/B005R17YGA

Like everyone else, people with type II diabetes dont have much time to cook, dont want to deal with "gourmet" recipes, and just want to eat their favorite dishes. They want to pop something in the oven, under the broiler, or on the gas grill, and eat what they like without worrying that it will be harmful to them. If they are kids (and the increase of diabetes among teens is alarming), they want to find some ready-to-munch snacks waiting for them.
* 150 recipes for snacks, dips, munchies, appetizers, main courses, side dishes, vegetarian treats, beverages, cakes, pies, cookies and brownies, and desserts even ice cream -- that are low in fat, carbohydrates, and sodium, created especially for people with diabetes
* All the dishes are really easy to make most take less than 20 minutes to prepare, use less than 4 ingredients plus condiments, and dont require much in the way of cooking skills
* stocking the pantry to make quick cooking a breeze.
* Special section of meals and snacks kids like.
* Nutrition analysis and exchanges for each recipe.
* Introduction by a Certified Diabetes Educator covering basics of cooking for people with diabetes.
Books Deals

Amazon Coupons
g: -1 Posted By: remick
Views: 203 Replies: 0 http://www.amazon.com/Natural-Gas-Revolution-Worlds-Energy-ebook/dp/B00E98YVRW

Robert W. Kolb reveals how new gas resources are transforming the global energy industry, redistributing economic and geopolitical power in stunning ways. Kolbs The Natural Gas Revolution explains the new promise of natural gas to stimulate economies and enrich human life and objectively assesses the major environmental risks that accompany fracking, horizontal drilling, and todays massive new LNG infrastructures. He places natural gas in broader context, clearly and carefully explaining what it will really mean to global economics, geopolitics, investors, the environment, and consumers. He explains the key technologies that have enabled access to huge new natural gas sources, and illuminates the remarkable implications of larger, more widely distributed, and more environmentally-friendly hydrocarbon resources. Youll find thoughtful and objective answers to questions such as: Will natural gas permit a more orderly transition to solar and other renewables? Will fracking and horizontal drilling poison the aquifers cities depend on for clean drinking water? Will fracking increase earthquake risks? Next, Kolb explains how the natural gas revolution is roiling world energy markets, predicts their response to todays wild price imbalances, and identifies surprising implications for example, a potentially faster transition to cleaner transportation. He concludes by identifying nations and regions that may achieve unexpected energy independence from current suppliers and even become exporters. This book will be indispensable to anyone interested in the latest developments in energy, international relations, and global business: citizens, investors, and policymakers alike.
Books Deals

Amazon Coupons
g: 0 Posted By: tedhawkins
Views: 215 Replies: 0 Vortex Raptor Binocular 8.5x32 (Part# R385) with a Vortex Lens Pen, Vortex Harness Strap, Vortex Hat (44% OFF) $129.99 FS

http://www.gearhog.com/

Deal Overview
There's no better value in binoculars than a pair of quality porro prisms. And we've taken porro prism performance to a whole new level with a mid-size, wide-angle design featuring waterproof, fogproof construction and fully multi-coated optics. The all-new 8.5x32 Raptor binocular delivers a bright, crisp image with excellent color fidelity--even in low light conditions. With a wide range of interpupillary distance, this binocular can be easily adjusted to fit anyone in the family, from young children to adults.

Optical Features
Fully Multi-Coated Lenses - Increase light transmission with multiple anti-reflective coatings on all air-to-glass surfaces.
Construction Features
Porro Prisms - Generally offer a rich depth of field, wide field of view, and three-dimensional image.
Rubber Armor - Provides a secure, non-slip grip, and durable external protection.
Adjustable Eyecups - Twist up and down for comfortable viewing with or without eyeglasses.
Center Focus Wheel - Adjusts the focus of both binocular barrels at the same time.
Right Eye Diopter - Adjusts for differences in a user's eyes. Located on the right eyepiece.
Waterproof - Optics are sealed with O-rings to prevent moisture, dust, and debris from getting inside the binocular.
Fogproof - Barrels are filled with nitrogen gas to inhibit internal fogging.
Camping Deals
g: 1 Posted By: remick
Views: 130 Replies: 0 http://www.amazon.com/Brands-Dont-Grow-Trees-Engineering-ebook/dp/B00GJD2KDC

You would only read this book if you are brazen enough to think your message has a right to be heard in the marketplace. And that means you need to take another look beneath the ice-berg because frankly - snappy branding just doesnt cut it anymore.
Have you ever wondered what it takes for every part of your business to stay on brand? How many more times must you remind your team (and sometimes yourself) that going through the motions is not the same as delivering on the brand promise. Disappointing customers with generic service just because you have other things to get done or increases in loss of market share because of a weak brand message. Or poor business structures that fail miserably to amplify your brand.
Suddenly you begin to notice that being a brand is more than just a clever logo and for the first time you realize that your business if failing your brand.
If only you knew how to prevent your business from ruining your brand.
You are certainly not alone. Most leaders, whether in small business, not for profit or private practice wrongly attempt to understand first the science of business when instead they should concentrate on building an artful brand.
Brands Dont Grow on Trees is a vibrant business conversation that unites two seemingly opposing forces - the art of a mission marketing approach with the science of managing a business.
This culminates in the 4 Pillars of the BrandCULTURE EQ framework which states that there is an intelligence required to successfully execute a brand focused business growth strategy.
Those 4 Pillars include 1) Customer Advocacy 2) Brand Development 3) Cultural Mapping and 4) Management Structures. And as a result this process unravels the riddle that afflicts passionate leaders -which is how do I integrate my brand message with my business - not just for today for days to come?

Brands Dont Grow on Trees is written within the 4 sections of the BrandCULTURE EQ framework, and proposes the following:
1. Customer Advocacy says that before you undertake any strategic move in business you must first know and care about what your customers care about. To do this means as a leader you need to shift from a mindset that is product-orientated to one that is centered upon championing not just the wants or needs of your market but also the mission and the message that your market needs to hear.

2. Brand Development branding is just the tip of the ice-berg and the activity of branding does come close to what happens when you look beneath the ice-berg and start to develop your brand and connect your brand to your daily operations. Becoming a brand, whether on a local or global scale means you become more concerned with developing deep roots that are 100% aligned with brand message - that says we are here for a mission here for a purpose.

3. Cultural Mapping of all the species, humans are the only ones that ignore their instincts and activate the least amount of their senses. A bird can sense a change in weather signals and avoid perishing in a tsunami yet a boss fails to notice or take action when that staff member rolls their eyes when discussion on brand values is tabled at a meeting. Moving forward, mission leaders need to adopt a higher sensory awareness if they want to ensure that both the internal and external communication of their brand message remains positive.

4. Turnkey Structures For once and for all, if ever there was a good reason to finally get on top of implementing proper systems within your business all you need to do is take notice of the trillion-dollar global industry that is based upon selling a system. That industry is franchising. Franchising is known for building small businesses indicative of a strong brand and rock solid systems. And that very system that amplifies the brand.

But what is far more important is the thinking behind designing the system which is more about building a brand and not just building a business.
Books Deals

Amazon Coupons
g: 3 Posted By: brusbrother
Views: 686 Replies: 2 Link
Couldn't find it in a search.
Desktop PC Windows 7 Professional DC7900

Core 2 Duo E8400 3.0GHz
2GB 160GB HDD Capacity
Windows 7 Professional
I know, not fast enough to take down an intercontinental ballistic missile but for parents who might be allergic to Windows 8, this is probably good enough.
CPU Benchmark 2171
Might want to increase Ram
Comes with 32 and 64 bit disc
Windows 7 license alone is about $100 so here you get a computer, HD AND a mouse and keyboard. The latter two items are the deal clinchers

Desktop Computer Deals

Newegg Coupons
Book Deal: Writer's Block Demolition
Added on : Friday November 08th 2013 12:00:03 PM
g: 0 Posted By: BigReader
Views: 200 Replies: 0 Writer's Block Demolition: Finding the Time to Write, Keeping Writing, and Finish Your Book =16px[Kindle Edition]Book is on Amazon Countdown deal ... regular price 3.91 countdown price now is 0.99 (Amazon Countdown prices increase by $1.00 every few days)

http://www.amazon.com/dp/B00AL255T8/

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Low Price : How to Document a Project Plan
Added on : Friday November 08th 2013 12:00:03 PM
g: 0 Posted By: BigReader
Views: 252 Replies: 0 Book is on Countdown deal ... regular 9.58 is currently on for 0.99 (Amazon Countdown deal means the price increases by $1.00 every day or so)

http://www.amazon.com/dp/B005YV7BTS/

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Amazon Coupons
g: 0 Posted By: MISTERCHEAP
Views: 83 Replies: 0 The 20% discount on domestic fares applies to base fare only, not to fees or taxes, and requires purchase at FlyFrontier.com using promo code FLYNOW. Discount applies to domestic fares to/from Trenton, NJ and to/from Wilmington, DE. Tickets must be purchased by 11:59 p.m. Eastern time on November 10, 2013, for travel November 8, 2013, through November 20, 2013. Certain flights and/or days of travel may be unavailable. All fare rules apply. Depending on the fare type purchased, nonrefundable tickets may be transferred for a fee of up to $50, or reissued for alternate flights for a fee of up to $75, as well as a possible fare increase. The name change fee and itinerary change fee are not exclusive of each other. Previously purchased tickets may not be exchanged for these special fare tickets. Flight segment(s) must be cancelled prior to scheduled departure time or the ticket(s) and all monies will be forfeited.

www.flyfrontier.com


Travel Deals Deals
g: 1 Posted By: bittul
Views: 63 Replies: 0 Linky

Check the $4 coupon checkbox (ignore the $30. It does nothing).

$39.95 - $4 = $35.95 + Free Shipping.

BUT! See below for an option to get it for $29.50! (=some fun and games )
Encourage healthy brushing on their own

KidTimer trains to a 2 minute brushing routine
Increases brushing time slowly over 90 days , building towards the dentist recommended 2 minutes.
KidPacer
Fun sounds encourage kids to brush the front and back of both upper and lower teeth.
2 Kid-friendly power modes
Gentle cleaning that's right for different ages. Low mode for ages 4+ and High mode for 7+.
Better results guaranteed!*

Includes

2 brush heads for ages 4+ and 7+
2 sizes that are specifically designed to gently clean and protect teeth at key developmental stages.
3 interchangeable panels
So kids can customize their toothbrush
1 rechargeable handle
1 sturdy charger base with brush head storage

Features:

Anti-roll shape
Allows kids to apply toothpaste while the toothbrush is laying flat.
Multi-Grip Design
Ergonomically designed to enable parents and kids to brush together or on their own.
Rechargeable
No batteries to replace
Results you can trust
This Sonicare has been expertly designed for growing kids in order to encourage healthy habits and deliver outstanding results- even when they are brushing their own.



~~~~~~~~~~~~~~~~~~~~~~~
If you're a "new" customer to drugstore.com, you can stack this with their $5 (off $30) or $10 (off $50) new customer discount. Bringing the price down to $31.

Note: You'll need to enter zip-code and click "get estimate" to see discount. Also, your pre-authorization charge might not include this discount -- this is normal, and actual charge reflects all discounts.

But being as the $50 (for $10 off) is calculated from the pre-coupon price, we're only $10.05 short of saving another $5.
So, either add $10 of your own filler items (for a total of $36), or add "random" items that have a high coupon/price ratio and make your total even cheaper.
[Example scenario: Add two Clairol Hair Colors ($3.49 ea), and a CoverGirl Eye Shadow ($3.09). Your total should now drop to $29.52!]
g: 2 Posted By: VivYip
Views: 182 Replies: 1 credit techbargains

Staples has this item for $14.99 with free shipping with rewards

Logitech K360 Wireless Keyboard (Gloss Black)
Item: 784615 Model: 920-004088
Compact comfort for your laptop - You can type in more comfort with a layout youre used to. And its about 20% smaller than our standard keyboards, so it fits in your office, your living room or wherever you use your laptop
Three-year battery life - The extended battery life means you wont spend your time tracking down new batteries (Keyboard battery life may vary depending on usage)
Just one touch - You can do more, faster with six hot keys and twelve programmable F-keys for instant access to music, e-mail and more (Requires programming with Logitech's SetPoint software, free for download at www.logitech.com/downloads)
Advanced 2.4 GHz wireless - So you can work or play in more placeslike your comfy couchthe long-range wireless connection virtually eliminates delays, dropouts and interference
Logitech Unifying receiver - The tiny receiver stays in your laptop. Plus, you can easily add a compatible wireless mouse, keyboard or number padwithout the hassle of multiple USB receivers
Plug-and-play simplicity - Setup takes secondsyou simply plug the wireless receiver into a USB port, pull the battery tab and start using your keyboard right away without software
Whisper-quiet, framed keys - The framed keys look modern and barely make a sound, while providing a more comfortable typing experience than laptop and netbook keyboards
Sturdy, adjustable-tilt legs - You can extend the sturdy folding legs to increase the keyboard tilt by eight degrees to address your personal comfort needs. Rubber feet prevent slipping
Dimensions: 6.5"D x 1.8"H x 15.6"L
3 year limited hardware warranty
Six hot keys and 12 programmable F-keys
Logitech advanced 2.4 GHz wireless connectivity
Logitech unifying receiver

Hope this might help someone. Thank you for reading.
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Staples Coupons
Stanley 55-515 12-inch Wonderbar Pry Bar $5 + FSSS / Prime @ Amazon
Added on : Tuesday November 05th 2013 01:00:14 PM
g: 0 Posted By: bittul
Views: 251 Replies: 0 www.amazon.com/gp/product/B00002X1XT

Prying bar designed for strength and durability.
Contoured bar makes pulling nails, prying,
lifting and scraping easier.
Forged high-carbon steel for increased strength and durability.
Nail slots at both ends for easy nail removal.
12-3/8 inches in length; 1-3/4-inch blade w[/S]
Tools Deals

Amazon Coupons
Stanley 55-515 12-inch Wonderbar Pry Bar
Added on : Tuesday November 05th 2013 12:00:02 PM
g: 0 Posted By: bittul
Views: 0 Replies: 0 www.amazon.com/gp/product/B00002X1XT

Prying bar designed for strength and durability.
Contoured bar makes pulling nails, prying,
lifting and scraping easier.
Forged high-carbon steel for increased strength and durability.
Nail slots at both ends for easy nail removal.
12-3/8 inches in length; 1-3/4-inch blade w[/S]
g: 0 Posted By: tedhawkins
Views: 230 Replies: 0 Well KS90 Red Dot Airsoft Electric submachine Gun(was $49.99) $29.99 + Free shipping

http://www.gearhog.com/

Deal Overview
Well KS90 Red Dot Airsoft Electric Gun

Specifications:
- Velocity: 200 FPS (0.12 g BB) / Range 30-50 Feet
- Barrel Length: 16 inches / 40.5 cm
- Magazine Capacity: 200 Rounds
Features:
- High Cap Magazine
- Integrated RIS System
- Battery and Charger Included
- Made in China

WELL KS90 Red Dot Electric Rifle Manual

The WELL KS90 is a compact submachine gun, which utilizes bullpup technology to extend the barrel within the receiver of the gun to minimize barrel profile. This model includes a rail to attach any lights lasers or optics, and includes a flashlight and red dot scope. The silencer is a nice addition, but increases the overall length.

This airsoft gun is not to be misrepresented as a real firearm or gun that is manufactured by FN Herstal and is merely an airsoft gun that fires 6mm pellets. The manufacturer of this airsoft gun is WELL.
Guns & Ammo Deals
*** DEAD *** FREE Kindle Book - The Suitcase Entrepreneur was $8.99
Added on : Tuesday November 05th 2013 05:00:08 AM
g: 7 Posted By: archena
Views: 2672 Replies: 3 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase

The Suitcase Entrepreneur [Kindle Edition] was $8.99

Natalie Sisson (Author)


http://www.amazon.com/dp/B00ED0JUE0

Publication Date: August 4, 2013

Publisher: Tonawhai Press

80 Reviews ★★★★★

#1 in Kindle Store > Kindle eBooks > Business & Investing > Small Business & Entrepreneurship > Entrepreneurship

Everybody has the right to build a business from anywhere and design a lifestyle they love.
Thats what this book will teach you to do.

If youve always thought that having the freedom to do what you want when you want was just a pipe dream, then think again. Right now there is more opportunity than ever to

Package and sell your knowledge and skills to earn enough to work and live anywhere
Build a profitable online business from just your laptop and smartphone
Use online tools, social media and outsourcing to increase to give you more time, money and freedom
Travel the world for less and experience the joys of minimalism
Live life on your own terms and create your ideal lifestyle.

This book will teach you the nuts and bolts of setting up an online business you love and give you the blueprint to create your ideal lifestyle and create freedom in business and adventure in life.

If youve always thought that running a profitable business from your laptop, and having the freedom to do what you want when you want was just a pipe dream, then think again.

After 8 years of working in the bureaucracy of the corporate world, Natalie Sisson quit her high-paying job to fly to Canada, start a blog and cofound a technology company. In just 18 whirlwind months she learned how to build an online platform from scratch, and then left to start her own business, which involved flying to Argentina to eat empanadas, play Ultimate Frisbee and launch her first digital product.

Strike forward to now and she runs a highly profitable business from her laptop, while living out of a suitcase, and making money teaching others how to build a business and lifestyle they love.

If youre just starting out, this book will show you how to package and sell your knowledge and skills, or those of others and build an online platform to earn enough to work and live anywhere.
If youre an entrepreneur, this book will show you how to establish your business online, reach a global audience and build a virtual team to give you more time, money and freedom.

This is a practical guide to learn what it takes to be a digital nomad and develop the freedom-based mindset to truly live life on your own terms.

If youre prepared to put in the work, hustle and commitment it takes, then there is no better time than now to choose your own adventure and make it a reality.

About the Author
Natalie Sisson is a global adventurer and digital nomad whose entire aim is to create freedom in business and adventure in life, for herself and thousands of others who believe that you should be able to create your ideal lifestyle on your own terms. Based out of her suitcase she runs her business from her laptop while traveling the world,teaching others how to build online businesses using social media, online tools and outsourcing.
Books & Magazines Deals
Starting New Job, Working Out Logistics and Seeking Opinions
Added on : Tuesday November 05th 2013 04:00:12 AM
g: 0 Posted By: Dus10
Views: 0 Replies: 0 Well, an opportunity and its timing have finally worked themselves out for me to make an employment move. I have been working at my current employer for nearly 4 years and it has been a tremendously positive experience. When I started, it was a 15% pay increase and had some requirements for higher end industry certifications for which they funded training. Over the years, I received good reviews with a carrot of promotion which eluded me because I took on our biggest project and it left me without any time for some of the new duties I would have in addition to it. In addition, they paid for about 4/5 of a masters degree for me and most of that has rolled off of the tuition payback timetable. Each year I have had at least one job offer that was for significantly more money, but the benefits were less; while it came out positively for the move, I decided to stay because of the short-term costs of paying back my tuition that would have been more significant and I felt I was doing good work that would benefit me into the future. This year, I have had three job offers and this latest is a good opportunity, I believe. The pay is slightly less than other opportunities, but it has a better bonus potential and benefits that are very close to what I have now.

So, I have some logistics to work out assuming I accept the offer (which is my plan). First, the new employer has a 30-day waiting period for insurance. This is a big deal for me as my wife has been ill for many years. The last time I had a small gap in insurance, it was a big deal. The new recruiter thought that perhaps my current employer would have my coverage through the end of the month, so I could have my last day be at the beginning of the month and it would give me that month to absorb those 30 days. The timing isn't working out well, though, as the next orientation opportunity would be Dec 2nd, making my last day Nov 29th. Is the "through the end of the month" common? I will definitely get the information from my insurance company to see. I would hate to do it, but perhaps I should schedule my last day to be the end of the first week, and just call in that week? Honestly, I don't like it, but the insurance is a big deal. What other options, besides COBRA do I have? COBRA is ridiculously expensive. Maybe ask for a sign on bonus that would cover COBRA, or leaving something equivalent to the premiums I would be paying with the new insurance?

Now, I still have some tuition reimbursement to pay back, but it is relatively small compared to what it would have been earlier in the years ($12k then, about $3k now). I have a full month of PTO accrued which will be enough to cover that and still give me a few thousand after taxes are taken out... so it mostly works out like a bonus.

Now, both companies offer professional services, though my new company also sells products (for which my current employer is in a partnership with them for). In these situations, how amenable do you think be current and future employers would be to working out an arrangement for my old employer to subcontract my new employer for me to continue work with them? My current employer is a federal contractor and I have privileged access that would be active for several more years. They need someone to fill my role for the next several months until the system I am supporting is outsourced. The contract they are on expires next year, so perhaps it is in their interest to have me continue to work (perhaps 50% instead of 100%) with them. My current employer offers this same kind of service and they have plenty of work, but my current utilization is 100% (meaning I must be billable for 8 hours a day each working day of the month or use flex time or PTO to cover the difference), but my new employer only requires a 65% utilization to meet bonus. I could walk in the door and have 50% of my time full utilized and take on the new work that they have for me and effectively be at 100+% utilization (more than full-time). This would have me exceeding my standard bonus requirements and get me the maximum eligible bonus. Granted, these two companies are in partnership... so they work together already, and my current contract is a foot in the door that is leading to a much broader partnership. I would like to pursue this, but if anyone has experience diving off of something like this, I would greatly appreciate your insight. I would imagine I should ask my new employer first if they would even have interest in that (I can't imagine they wouldn't... they are in business to earn money). Then, if things are doable, as the current employer when I hand in my resignation.

Now, there is a chance that when I hand in my resignation that they will walk me out. However, this has never been the case so far with folks that are leaving on good terms. It would actually work out favorable for me if they did, as they would be terminating my employment at that point, meaning I pay back none of the tuition reimbursement and I get severance. This happened to a former coworker as he gave them a resignation that was two months into the future, and they ended it within two weeks, but things were going downhill for him for a while, which is the reason he left. The difference for me is that I am on good terms and my boss has actually been hoping to get me to work on another contract with him. If I could get them to have me work with them on a continued basis on this current contact, perhaps that could extend to a new contract.

What are your thoughts? Thanks FWF.
From PPO to HSA
Added on : Monday November 04th 2013 07:00:06 AM
g: 0 Posted By: samandy
Views: 32 Replies: 0 Hi All

I have a PPO plan with quarterly cost of $815 for family( 2 Adults 2 kids). I am expecting a dental implant treatment (not for cosmetic purpose) for my wife for about 8000$. If I convert to HSA now 3 months cost increases to 1278(about $154 extra per month).
HSA price will stay till Dec 2014 but if I wait till Jan 2014 , with new health regulation price for similar plan (with some added benefits) will be $2400 per 3 months or if I buy now HSA in Dec 21014 it will got automatically to this price to 2400.

So seems like if I stick to my PPO plan, I will save about $2100 till Dec 2014. If I go to HSA I will have to pay $2100 extra for 14 months but I can get tax deductions. Family income is about 120K for self employed.
Which plan makes more sense in short long term?

Also I want to ask I have an LLC. So buying thorugh my company(Group Plan) makes ore senses or personal plans? Currently I have personal plan.
​Appreciateyour input and help!
Personal Finance Deals
Advice for a 24 year old - what to pay off and how much to save?
Added on : Sunday November 03rd 2013 11:00:06 AM
g: 0 Posted By: ucb11
Views: 89 Replies: 0 Here's another "what should I do about my finance?" thread.
I'm looking to save enough to buy a condo/small house (hopefully in a year or two) and trying to position myself to get there, here's some info about me and what I'm currently doing. Any suggestions on savings/paying debt would be much appreciated!

Me:
- 24 years old
- Got a master's degree right after undergrad, work in banking/investments
- Moved back in with the parents
- Income of $40k base + approx $11k in commissions (not sure what raise/bonus will look like until next month, 401k matching and pension based on base salary only)
- Net take home pay is about $2,700/month (after insurance, 401k, ESPP)

Retirement:
- Contributing 8% toward Roth 401k, or $270/month, employer matches dollar for dollar up to 5%, but deposits to Trad 401k account (Current Value: $10k/ROTH, $10k/Trad)
- Employer also contributes 4% of base salary toward pension and earns 4.5% interest

Savings/Investing:
- 18% of paycheck toward savings or about $475/month (Current Value: $11k)
- Invest $100/monthly into mutual funds (Current Value: $4k), $50/month into ESPP

Expenses:
- $220/month - cell phone for 5 lines, contract ends soon will switch plans to get it down to $150/month
- $90/month - auto insurance
- $150/month - gas
- $55/month - parking
- $400/month - auto loan ($8,800 remaining, 2.41%)
- $350/month - federal student loans, on the extended repayment plan (I budgeted for paying on the standard plan but like the idea of having a lower monthly minimum payment and can use the "difference" toward paying down individual loans instead of having it all allocated evenly
LOAN ORIG LOAN AMT CURRENT PRIN BAL RATE MONTHLY PMT 1 12,000 13,360 6.80 95 2 12,000 12,810 6.80 90 3 8,500 8,380 6.80 58 4 8,500 8,380 6.80 58 5 3,969 3,900 6.80 28 6 2,454 2,400 6.00 17
Questions:

Student Loans: I know the smart thing to do would be pay down the student loans as quick as possible due to the higher rate. However, I was planning on using bonus/tax refund to pay down/off the auto loan in the next 6 months to free up cash flow. I would then use that extra cash flow and direct most/all of it toward paying down the student loans to knock them off one at a time. Otherwise I'd have about 22 months remaining on the auto loan. Is this a dumb idea?
Savings and Mutual Funds: more or less?
401k Contributions, should I switch to Trad or some combination of both? With employer matching, I end up getting roughly 50/50 into Roth/Traditional. I figure I'll switch to Trad later on as my income increases.

I could probably do much better about aggressively paying these loans off by cutting down my spending. I end up getting about $600-700 month into my "living and fun account" that is used for gas, food and pretty much what I want.Let me know if additional data points are needed.TYIA for any advice!
Personal Finance Deals
Danner Workman Insulated Waterproof Safety Toe Boot $129.95 + Shipping
Added on : Sunday November 03rd 2013 10:00:02 AM
g: 0 Posted By: papertrader
Views: 133 Replies: 0 Great boots on closeout - $239.95 on Amazon! Shipping was $14.70 for me.

Danner #16013 Workman Insulated Waterproof Plain Toe Boot $119.95
Danner #16015 Workman Insulated Waterproof Safety Toe Boot $129.95

Color: Brown

leather
Vibram sole
100% waterproof and breathable GORE-TEX liner is engineered to keep your feet dry and comfortable - even in extreme conditions
400 grams of Thinsulate Insulation offer lightweight warmth for those needing protection in cold climates
Danner's rich, full-grain leather gives comfort and superior durability on the job site
Danner's hand crafted stitchdown construction provides a wider platform for increased stability underfoot. This construction makes the boot recraftable in Danner's Portland factory
Fatigue Fighter footbeds are deeply padded for all day comfort and arch support




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Drinkwell by PetSafe - Hy-Drate H2O Filtrating System Cat $5.31 FSSS/Prime
Added on : Saturday November 02nd 2013 09:00:08 AM
g: 0 Posted By: bsg75
Views: 102 Replies: 0 http://www.amazon.com/gp/product/B004QGYY9C/
List Price: $21.99 Price: $5.31 You Save: $16.68 (76%)


Water movement increases your pet's natural instinct to drink more water
Quiet, submersible pump for continuous use
Activated carbon filter removes chlorine, odor and small particles
Powerful mini suction cups keep it in place
Energy efficient and dishwasher safe



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Uniteds Newest Customer Unfriendly Campaign & what you can do about it
Added on : Saturday November 02nd 2013 04:00:11 AM
g: 0 Posted By: sherap2
Views: 72 Replies: 0 Uniteds Newest Customer Unfriendly Campaign: Increase the Cost of Award Tickets,raising the mileage redemption levels for some awards over 60%. We dont have to take this sitting down!
-Retweet my Tweet here and send your own tweets to @United with the hashtag: #UnitedUnfriendly
The more you post the quicker mainstream media will pick up on this story. Lets get it trending!-Express your displeasure to Chase (Twitter: @Chase, @Chase Support) about these changes. Chase buys billions of dollars of United miles and isnt likely to be happy that theyve been devalued. Theyre especially not going to be happy to lose customers to cards like the Starwood AMEX. If anyone has the power to put pressure on United its Chase.-Contact United CEO Jeff Smisek and let him know how these changes will affect your travel patterns and credit card spending. He can be reached at jeff.smisek@united.com-If you feel that an 87% increase is just flat-out unfair you can also file a complaint with the US DOT. Sure United is free to do what they want, but this devaluation simply doesnt happen if Continental and United were still competing. Delta and Northwest miles have gone from being worthwhile to being worthless thanks to their merger. Let the DOT know that you feel an 87% increase in the cost of some awards is unfair to consumers and that you want to see the DOT keep fighting the American-USAirways merger in court. If that merger goes through you can be sure well be seeing more painful changes like this one. To Europe
Business class increases by 7,500 miles to 57,500 miles each way on United flights and by 12,500 miles to 80,000 miles each way in First Class.Business class increases by 20,000 miles to 70,000 miles each way on Star Alliance flights and by 42,500 miles to 110,000 miles each way in First Class.This is clearly designed to get you to stop redeeming for First Class awards on partner airlines!
4. To IndiaCoach award increase by 2,500 miles to 42,500 miles on United flights. Business class increases by 10,000 miles to 70,000 miles aeach way on United flights and by 10,000 miles to 90,000 miles each way in First Class. Coach award increase by 2,500 miles to 42,500 miles on Star Alliance partners such as Lufthansa etc. Business class increases by 20,000 miles to 80,000 miles each way on Star Alliance partner flightsAnd increases by 60,000 miles to 140,000 miles each way in First Class. It used to be 160,000 miles for a round-trip!This is clearly designed to get you to stop redeeming for First Class awards on partner airlines!
5. To South Asia (Thailand, Singapore etc.) Coach award increase by 7,500 miles to 40,000 miles on United flights. Business class increases by 10,000 miles to 70,000 miles each way on United flights and by 10,000 miles to 90,000 miles each way in First Class. Coach award increase by 7,500 miles to 40,000 miles each way on Star Alliance partners such as Lufthansa, etc. Business class increases by 20,000 miles to 80,000 miles each way on Star Alliance partner flights.And First Class increases by 60,000 miles to 130,000 miles each way. This is clearly designed to get you to stop redeeming for First Class awards on partner airlines!
6. To Australia or New ZealandNo change to Coach awards (40,000 miles) on United flights. Business class increases by 2,500 miles to 70,000 miles each way on United flights and remains the same in First Class. Coach awards remain the same (40,000 miles) each way on Star Alliance partners such as Lufthansa, etc. Business class increases by 12,500 miles to 80,000 miles each way on Star Alliance partner flights.And First Class increases by 50,000 miles to 130,000 miles each way. This is clearly designed to get you to stop redeeming for First Class awards on partner airlines!
7. To JapanCoach award increase by 2,500 miles to 35,000 miles on United flights. Business class increases by 5,000 miles to 65,000 miles each way on United flights and increases by 12,500 miles to 80,000 miles each way in First Class. Coach award increase by 2,500 miles to 35,000 miles each way on Star Alliance partners such as Lufthansa, etc. Business class increases by 15,000 miles to 75,000 miles each way on Star Alliance partner flights.And First Class increases by 42,500 miles to 110,000 miles each way. This is clearly designed to get you to stop redeeming for First Class awards on partner airlines!
Air Travel Deals
g: 0 Posted By: VivYip
Views: 187 Replies: 0 best buy has this item for $44.99 with free shipping

Seagate - 250GB Internal Serial ATA Hard Drive for Laptops
Model: ST90250N1A1 SKU: 9107744
WHAT'S INCLUDED

Seagate 250GB Internal Serial ATA Hard Drive for Laptops
Owner's manual
PRODUCT FEATURES

250GB maximum storage capacity
For expanded storage for your files.
Serial ATA interface
For reduced seek time.
Data transfer rates up to 3 Gbps
For quick response when updating files.
8MB cache buffer
For increased processing speed.
5400 rpm speed
For fast performance.
NCQ technology
Native Command Queing technology dramatically increases performance by organizing incoming commands in the most efficient order.
Compatible with Mac and PC
For flexible options and use with more than 1 computer.

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

Best Buy Coupons
g: 0 Posted By: Northerner26
Views: 37 Replies: 0 Ruger BX-25 Magazine Ruger 10/22 22 Long Rifle 25-Round Polymer BlackThe Ruger BX-25 Magazine was designed from the ground up, in-house at the Ruger factory, for flawless function and reliability in any Ruger 10/22 rifle or carbine. A rugged polymer body and follower make the magazine capable of handling prolonged use and almost any environmental condition. The steel magazine feed lips are engineered to withstand thousands of rounds without significant wear, drastically reducing ammunition feeding-related malfunctions and solving a problem that has plagued increased-capacity 10/22 magazines since their inception. The BX-25 magazine's 25-round capacity and excellent functional reliability are certain to make any trip to the range more enjoyable, with greater time spent shooting and less dedicated to clearing malfunctions and reloading. Technical Information

Stainless steel feed lips at 30 degree angle
Stainless steel constant-force spring
High lubricated injection molded poly acetyl anti-tilt follower
easily disassembled for cleaning by removing two stainless steel screws


$19.99 + Ship at MidwayUSA


Need advice on renting out my primary home
Added on : Friday November 01st 2013 08:00:10 AM
g: 0 Posted By: nasheedb
Views: 184 Replies: 6 I'm the guy who is moving to Switzerland (http://www.fullofdeals.com/forums/finance/1300987). I am looking for some advice on renting out my primary home. Here are the details:

-Purchased the house in August of 2009 for $165,000 and I received the $8,000 credit, essentially bringing my purchase price down to $157,000
-Current value of the house is around $200,000
-It is in a cookie cutter neighborhood, and it is among the largest and most expensive in the neighborhood.
-I have a HEL at 3.99% fixed, 83 months left on the loan. Current balance $87,xxx

Monthly expenses (current):
$1214 - HEL payment
$424 - property tax (pay in full at the end of the year, this is the yearly cost /12. It will also be higher next year due to no longer being owner occupied)
$96 - insurance (pay in full, yearly cost /12)
$54 - HOA (pay in full, yearly cost /12)
Total: $1788

Property management fee will be 7% on top of this. I would need to charge at least $1925/month for rent just to break-even from a cashflow perspective, and that's before I take maintenance/repairs and vacancies into consideration.

I've had a realtor from the property management company advertise the house on MLS for $2000/month for the past 4 weeks. I've had 3 showings so far, which the realtor says is very low. When we set the $2000/month price, the realtor did a market analysis and said that price was fine. A week ago, a house that's very close to mine came on the market for rent at $1800 a month. My house is a little nicer on the inside, I have tons of landscaping work, I allow for pets on a case-by-case basis, I'm including all appliances, so I am adding a little bit of value compared to the other house, but probably not much. The realtor wants me to drop the price to $1800 a month. That would leave me in a pretty bad position from a cashflow perspective. I really don't want to go this low.

I'd like to try adding a bonus for the renter's realtor. Normally they get half a month's rent as commission. What if I were to increase this by say $500? That's 50% more than what they would get normally. Is this worth a try? Any advice is appreciated. I have to move by the end of December, but the sooner I move, the better.

I've also tried advertising the house on Craigslist for $1800 a month, but I haven't had any interest. A refinance is basically not an option, I don't want to deal with the headache of refinancing when I'm moving.
Personal Finance Deals
g: 2 Posted By: tedhawkins
Views: 191 Replies: 0 Guns - Vortex Crossfire II 4-12x44 (Dead-Hold BDC Reticle) + Riflescope Rings + Vortex Hat (was $264) $169.99 FS

http://www.gearhog.com/

Deal Overview
Clearer. Tougher. Brighter. Our popular Crossfire riflescopes are completely redesigned and built to exceed the performance standards of similarly-priced riflescopes. Longer eye relief, a fast-focus eyepiece, fully multi-coated lenses and improved, resettable MOA turrets ensure optimal performance in the field. The hard anodized one-piece aircraft-grade aluminum tube is nitrogen purged and o-ring sealed for a lifetime of waterproof/fogproof performance. The Crossfires deliver -- and then some.

Optical Features:
Fully Multi-Coated Lenses - Increase light transmission with multiple anti-reflective coatings on all air-to-glass surfaces.

Construction Features:
* One-Inch Tube - Standard tube diameter for most American riflescopes.
* One-Piece Tube - Maximizes alignment for improved accuracy and optimum visual performance as well as strength and waterproofness.
* Aircraft-Grade Aluminum - Premium grade of aluminum, valued for fatigue resistance.
* Capped Turrets - Is less susceptible to accidental impact damage.
* Adjustable Objective - Uses an adjustment mechanism on the objective lens to fine-tune focus for the purpose of reducing parallax shooting error.
* Reset Turrets - Allow re-indexing of the turret housing to zero after sighting in the riflescope--generally requires use of a coin or wrench.
* Waterproof - o-ring seals prevent moisture, dust, and debris from getting inside the tube for reliable performance in all environments.
* Fogproof - Filled with nitrogen gas to inhibit internal fogging.
* Shockproof - Lenses are locked in place, fore and aft, with machined locking rings to remain in perfect alignment and withstand recoil and impact.
* Hard Anodized Finish - Hard-coat anodization is durable; the low-glare matte helps camouflage the shooter's position.

Convenience Features:
* Fast Focus Eyepiece - Allows quick and easy reticle focusing.
* Sunshade - Reduces glare and sun reflection off the objective lens.
Guns & Ammo Deals
401k and IRA contribution limits unchanged for 2014
Added on : Thursday October 31st 2013 06:00:07 PM
g: 3 Posted By: nasheedb
Views: 151 Replies: 0 I didn't see this posted here, so I thought I'd post.
The maximum amount of money employees can tuck away in their tax-deferred retirement plans, like 401(k)s, will remain unchanged next year at $17,500, the IRS announced Thursday.The IRS said there wasn't a big enough increase in the Consumer Price Index, which measures inflation, to lead the agency to raise the contribution cap for 401(k)s, 403(b)s, most 457 plans and the federal government's Thrift Savings Plan for 2014.
For the past two years, the IRS has boosted contribution limits by $500 due to rising inflation.
Related: IRS warns of new phone scam
The catch-up contribution limit, which is the amount of tax-deferred money employees over 50 can contribute to their retirement plans in addition to the $17,500 that any employee can contribute -- also remains unchanged at $5,500.
The contribution limit for IRAs will stay the same as well, at $5,500 per year. But more people will be able to qualify for a full tax deduction when they make contributions.
Starting in 2014, the deduction will phase out out for single taxpayers who participate in a workplace retirement plan and have income between $60,000 and $70,000. That's up from this year's range of $59,000 to $69,000. For joint filers where the spouse making the IRA contribution also participates in a workplace retirement plan, the deduction will phase out at incomes of $96,000 to $116,000 -- up from $95,000 to $115,000.
Related: Get the first decade of retirement right
It will also be easier to qualify for the Retirement Savings Contributions Credit of up to $2,000, aimed to help low and middle-income retirement savers. The credit will now be granted to taxpayers with income of less than $60,000 for married couples -- up from $59,000 last year.

From:http://money.cnn.com/2013/10/31/retirement/401k-contribution-limit/index.html?iid=HP_LN
Personal Finance Deals
FREE Kindle Book - The Suitcase Entrepreneur was $8.99
Added on : Thursday October 31st 2013 02:00:09 PM
g: 1 Posted By: archena
Views: 61 Replies: 1 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase

The Suitcase Entrepreneur [Kindle Edition] was $8.99

Natalie Sisson (Author)


http://www.amazon.com/dp/B00ED0JUE0

Publication Date: August 4, 2013

Publisher: Tonawhai Press

80 Reviews ★★★★★

#1 in Kindle Store > Kindle eBooks > Business & Investing > Small Business & Entrepreneurship > Entrepreneurship

Everybody has the right to build a business from anywhere and design a lifestyle they love.
Thats what this book will teach you to do.

If youve always thought that having the freedom to do what you want when you want was just a pipe dream, then think again. Right now there is more opportunity than ever to

Package and sell your knowledge and skills to earn enough to work and live anywhere
Build a profitable online business from just your laptop and smartphone
Use online tools, social media and outsourcing to increase to give you more time, money and freedom
Travel the world for less and experience the joys of minimalism
Live life on your own terms and create your ideal lifestyle.

This book will teach you the nuts and bolts of setting up an online business you love and give you the blueprint to create your ideal lifestyle and create freedom in business and adventure in life.

If youve always thought that running a profitable business from your laptop, and having the freedom to do what you want when you want was just a pipe dream, then think again.

After 8 years of working in the bureaucracy of the corporate world, Natalie Sisson quit her high-paying job to fly to Canada, start a blog and cofound a technology company. In just 18 whirlwind months she learned how to build an online platform from scratch, and then left to start her own business, which involved flying to Argentina to eat empanadas, play Ultimate Frisbee and launch her first digital product.

Strike forward to now and she runs a highly profitable business from her laptop, while living out of a suitcase, and making money teaching others how to build a business and lifestyle they love.

If youre just starting out, this book will show you how to package and sell your knowledge and skills, or those of others and build an online platform to earn enough to work and live anywhere.
If youre an entrepreneur, this book will show you how to establish your business online, reach a global audience and build a virtual team to give you more time, money and freedom.

This is a practical guide to learn what it takes to be a digital nomad and develop the freedom-based mindset to truly live life on your own terms.

If youre prepared to put in the work, hustle and commitment it takes, then there is no better time than now to choose your own adventure and make it a reality.

About the Author
Natalie Sisson is a global adventurer and digital nomad whose entire aim is to create freedom in business and adventure in life, for herself and thousands of others who believe that you should be able to create your ideal lifestyle on your own terms. Based out of her suitcase she runs her business from her laptop while traveling the world, teaching others how to build online businesses using social media, online tools and outsourcing.
g: 1 Posted By: MISTERCHEAP
Views: 240 Replies: 0 Live Sunday 11/3 Vtech expandable cordless phone with digital answering system, 3/pack $39.99 shipped after ez rebate Staples.comVtech CS6729-3 3 Handset Cordless Telephone with Digital Answering System, Caller ID and Call Waiting! Perfect for any home or small office!
Item: 137778
Model: CS6729-3

Vtech 3 Handset Cordless Telephone offers full duplex handset speakerphone. Enjoy a speakerphone that can keep up with your calls. Increase participation by allowing both ends to speak and be heard at the same time for conversations that are more true to life. Know whos calling with Caller ID/Call Waiting. Handset displays the name, number, time and date of incoming calls. The entire keypad illuminates along with the LCD screen, allowing for easier viewing in dim light.
DECT 6.0 Digital technology
Digital Answering System/Caller ID/Call Waiting
Full Duplex Handset speakerphone
Backlit keypad and display
Expandable system up to 5 handsets (uses CS6709 accessory handset)
Quiet Mode silences the ringer

http://www.staples.com/Vtech-CS6729-3-3-Handset-Cordless-Telephone-with-Answering-System-Caller-ID/product_137778&cmArea=CIRCULAR

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Staples Coupons
g: 0 Posted By: MISTERCHEAP
Views: 143 Replies: 0 www.flyfrontier.com

The $25 rebate MasterCard card promotion applies on domestic fares only booked with a MasterCard card and requires purchase at FlyFrontier.com using promo code MCBAG. Tickets must be purchased by 11:59 p.m. Eastern time on December 31, 2013, or before the 4,000 rebate cards run out, whichever comes first. Valid for travel October 1, 2013, through March 23, 2014. Certain flights and/or days of travel may be unavailable. All fare rules apply. $25 rebate card will expire 12 months after issuance if unused. Not valid for use with other promo codes. Allow 4-8 weeks for $25 rebate card to be mailed after your first flight segment is complete. Flight cancellation or schedule changes that fall outside of the noted parameters will void your participation in the promotion. Depending on the fare type purchased, nonrefundable tickets may be transferred for a fee of up to $50, or reissued for alternate flights for a fee of up to $75, as well as a possible fare increase. The name change fee and itinerary change fee are not exclusive of each other. Previously purchased tickets may not be exchanged for this special offer. Flight segment(s) must be cancelled prior to scheduled departure time or the ticket(s) and all monies will be forfeited.Tickets purchased at FlyFrontier.com must be paid for at the time the reservation is made, but may be cancelled for a full refund without penalty up to 24 hours after the time of purchase. Depending on the fare type purchased, up to a $25 fee may be charged each way for the first piece and up to a $30 fee each way for the second piece of checked baggage. Fares shown include all transportation fees, surcharges and taxes, and are subject to change without notice.Some markets do not offer daily connections. Due to schedule changes, markets may not connect throughout the valid travel period. Schedules are subject to change without notice.Flights are operated by Frontier or Republic Airlines. Some flights may require a connection. Fares and schedules are subject to change without notice. Other restrictions may apply.
Travel Deals Deals
Book a flight with FlyFrontier - pay with MC, get a $25 GC
Added on : Thursday October 31st 2013 04:00:02 AM
g: 0 Posted By: rsuaver
Views: 0 Replies: 0 The $25 rebate MasterCard card promotion applies on domestic fares only booked with a MasterCard card and requires purchase at FlyFrontier.com using promo code MCBAG. Tickets must be purchased by 11:59 p.m. Eastern time on December 31, 2013, or before the 4,000 rebate cards run out, whichever comes first. Valid for travel October 1, 2013, through March 23, 2014. Certain flights and/or days of travel may be unavailable. All fare rules apply. $25 rebate card will expire 12 months after issuance if unused. Not valid for use with other promo codes. Allow 4-8 weeks for $25 rebate card to be mailed after your first flight segment is complete. Flight cancellation or schedule changes that fall outside of the noted parameters will void your participation in the promotion. Depending on the fare type purchased, nonrefundable tickets may be transferred for a fee of up to $50, or reissued for alternate flights for a fee of up to $75, as well as a possible fare increase. The name change fee and itinerary change fee are not exclusive of each other. Previously purchased tickets may not be exchanged for this special offer. Flight segment(s) must be cancelled prior to scheduled departure time or the ticket(s) and all monies will be forfeited.Tickets purchased at FlyFrontier.com must be paid for at the time the reservation is made, but may be cancelled for a full refund without penalty up to 24 hours after the time of purchase. Depending on the fare type purchased, up to a $25 fee may be charged each way for the first piece and up to a $30 fee each way for the second piece of checked baggage. Fares shown include all transportation fees, surcharges and taxes, and are subject to change without notice.Some markets do not offer daily connections. Due to schedule changes, markets may not connect throughout the valid travel period. Schedules are subject to change without notice.Flights are operated by Frontier or Republic Airlines. Some flights may require a connection. Fares and schedules are subject to change without notice. Other restrictions may apply.MasterCard and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated.

100 free MCR points Nov. 1st
Added on : Wednesday October 30th 2013 10:00:06 AM
g: 0 Posted By: chacuayab
Views: 212 Replies: 0 100 free MCR points

REGISTER NOW TO RECEIVE 100 MY COKE REWARDS POINTS AND UP TO 750 RAPID REWARDS POINTS!**
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Services Deals
Bill Me Later Increased My Line - Hard Hit?
Added on : Tuesday October 29th 2013 06:00:11 PM
g: 0 Posted By: mac911
Views: 167 Replies: 1 I was not near my Bill Me Later credit limit, but I noticed they have increased my limit another $1000. This was not in response to a purchase needing the increase or anything.

Do they give you a hard hit when they, on their own increase it like this, or no?

I like the financing promotions they offer, as long as you pay it off in time. ha.

Thanks!!
Credit Deals
How much Life Insurance do I need to take care of wife?
Added on : Tuesday October 29th 2013 05:00:12 AM
g: 0 Posted By: MikeDaddy
Views: 112 Replies: 3 My employer (state-funded University) is having Open Enrollment for benefits, and I want to increase my life insurance coverage, since my wife and I recently purchased our first home. The balance on the mortgage is close to $200K. I work full-time, but my wife only works part-time, so basically I bring home the bacon. She could easily go back to full-time if she wanted (has a BS and MS in Education with plenty of experience). When we purchased the house, I knew I wanted to increase my Life Insurance to take care of her if something ever happened to me. We have no children (yet).

Through my employer, I get a death benefit of $75K. I have also been carrying $100000 in Life Insurance, which costs me $8/month. I want to up that, but I am not sure by how much. Here are the rates I can choose from (with increments of $10K in-between):

$100000 - $8/month
$200000 - $16/month
$300000 - $24/month (This is the highest I can go).

I have 2 questions:
1. How much LI do I need to cover the house, funeral (cremation), and provide for my wife?
2. How do the rates above seem (e.g., high, low)?

BTW,I'm a very healthy, 34-year-old male. Thanks in advance.




Personal Finance Deals
Sealy Posturepedic King Mattress Set - $749.99 at Sears.com
Added on : Tuesday October 29th 2013 03:00:05 AM
g: 0 Posted By: dnickerson
Views: 238 Replies: 1 Sears has a Sealy Posturepedic king mattress and box springs set for $749.99. While every store has different model names for essentially the same product, I could not find these features anywhere for under $1,000. Queen set is only $499, maybe an even better deal.
http://www.sears.com/sealy-posturepedic-anaheim-ti-plush-king-mattress-set/p-082CO68063112B?prdNo=2&blockNo=2&blockType=G2
This includes free delivery and free haul-away.
Mattress set includes these Sealy Posturepedic features-
Aloft Quilt - a new quilt design envelops your body with soft Comfort.
ActiveFlex Comfort Layers are pre-compressed foam layers that cradle your body in consistent, long-lasting comfort.
Flameguard Protection is a non toxic, fiber based solution that helps protect you and your family.
Gel Memory Foam hugs your body and helps promote a cool sleeping environment.
CoreSupport(tm) Center is designed to enhance support and resist body impressions. Mattress feels as good after ten years as it did on day one
Posturepedic Titanium Classic Coil provides correct support for optimum body support and is twice tempered for maximum support over the life of the mattress. Titanium is twice as strong as steel.
The SolidEdge(tm) system provides a solid seating edge and is designed for use on adjustable base foundations. It also increases the usable sleep surface by 10 to 20% depending on size.
The StayTight(tm) foundation is designed with a rubberized gripping fabric that holds your mattress in place, and keeps your sheet and bed skirt right where they belong.
Enjoy years of peace of mind with a 20 Year Limited Warranty
Bedding Deals

Sears Coupons
LG Optimus G Pro E980 for 439.99+taxes from ATT
Added on : Monday October 28th 2013 07:00:08 PM
g: 0 Posted By: View
Views: 217 Replies: 0 UPDATE: Upon further research. It may be better to buy from an AT&T authorized retail store to buy the phone for $439.99 so you don't have to sign up for anything and cancel later.

It looks to me AT&T is clearing up the inventory of Optimus G Pro. (List Price 749.99 for phone only replacement per Best Buy)
LG Optimus G Pro White
LG Optimus G Pro Black
Select Month to Month and the current price is 439.99+taxes.
I think this is a very good deal for a5.5inch phone with 32GB of internal storage, replaceable battery, 13M camera and Snapdragon 600 1.7GHz.
Review
It worksif you use AT&T or one of its MVNOs or get unlock codes from eBay for TMO...etc. I have it with T-Mobile and it actually works with T-Mobile's 4G LTE...
I believe the original price was much higher at release date but AT&T has been cutting the price likely due to low demand.
I like LG phones since they are all made in Korea. I've had Nokia 710 (built by LG), Nexus 4 and Optimus G Pro.
I got a used one though not from AT&T. Originally I was planning to switch to AT&T to get this phone with subsidy. However they just killed the traditional plan with a huge price increase for people with minimal usage.
Even worse, the cheapest "Mobile Share" plan now has no corporate discount from AT&T Premier. Therefore it is a much better deal to pay the lower full price without a contract.
Although Nexus 5 is coming out soon, itwill be likely priced at $399 +$10 shipping and taxes for 32GB. So depending on what you need, this phone may or may not be better than N5.

Cell Phones Deals

Best Buy Coupons
g: 13 Posted By: archena
Views: 2602 Replies: 4 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase

Secrets of a Master Closer: A Simpler, Easier, and Faster Way to Sell Anything to Anyone, Anytime, Anywhere [Kindle Edition] was $6.95

Mike Kaplan (Author)

http://www.amazon.com/dp/B008B6V6YO

Publication Date: June 12, 2012

Publisher: Oculus Publishers, Inc.

65 Reviews ★★★★.5

#5 inKindle Store > Kindle eBooks > Business & Investing > Marketing & Sales > Sales & Selling

#10 inKindle Store > Kindle eBooks > Business & Investing > Small Business & Entrepreneurship > Entrepreneurship

If you want to know, step by step, how to quickly, easily, and smoothly walk anyone from being a skeptical prospect to a happy customer that refers you friends, family, and colleagues...then you want to read this book.

Here's the deal:At its core, selling isn't a patchwork of cheesy closing techniques, annoying high-pressure tactics, or gimmicky rebuttals.

True salesmanship follows very specific laws, has very specific steps and stages, and leaves a customer feeling happy and helped. It's honest, respectful, enlightening, friendly, and done with real care. It's the type of selling that wins you not only customers, but fans.

Not coincidentally, this is the type of selling that truly great salespeople have mastered. This is the type of selling that keeps pipelines full and moving, and that builds a strong, loyal customer base that continues to give back to you in the form of customer loyalty, reorders, and referrals.

Well, that's what this book is all about. It will give you a crystal-clear picture of the exact steps that every sale must move through and why, and how to methodically take any prospect through each, and eventually to the close. And how to do it with integrity and pride.

In this book, you'll learn things like...

The eight precise steps of every sale. Leave any out, and you will struggle. Use them all correctly, and you will be able to close unlimited sales.
The true purpose of the presentation and the Crucial, often-missing steps that need to be taken first. If you're making the same presentation mistakes as most other salespeople, this chapter alone could double your sales.
How to easily discover which prospects can use and pay for your product/service, and which can't. Time is your most valuable commodity as a salesperson, and if wasted, it costs you money.
Learn how to smoothly create an abundance of closing opportunities, and know when to act on them and close. This is the hallmark of every master closer. Learn it, use it, and profit.
Why it's a myth that you need to know multiple ways to close deals. Learn this one, simple method, and you'll be able to use it to close all of your sales.
Simple formulas to turn any objection into a closing opportunity. Use them and never fear hearing a prospect's objection ever again.
And a whole lot more!

This is more than a just a book, really. It's a step-by-step sales training course. Each chapter ends with precise exercises that will help you master each technique taught and each step of the sales process.

If you are new to sales, make this book the first one you read, and you will greatly increase your chances for quick success.

If you are a seasoned veteran and are looking for ways to improve your numbers, this book will help you make your sales goals a reality.

SPECIAL BONUS FOR READERS!

With this book you'll also get a free "Road Map" from the author that lays out, in a PDF chart, every step and key principles taught in the book.

Print it out and keep it handy because it makes for a great "cheat sheet" to use while selling, or just to refresh on what you've learned.
From the AuthorHi,

I'm Mike, and I spent six years building and ultimately selling a multi-million dollar software sales company, AllMicro.

I attribute my success most to my ability to sell, which helped me not only get into the business in the first place, but train hundreds of salespeople over the years to build a large, productive sales force.

My experience teaching has shown me that everyone has the potential to be a great salesperson. It only takes three things.

First, you have to know the fundamental principles of selling. No amount of trick techniques or gimmicks can replace an understanding of the underlying laws of sales and persuasion.

Second, you have to know the precise steps that every sale must go through, and how to smoothly walk prospects through each. If you can't, you'll never reach your full potential as a salesperson.

Third, you have to have a strong desire to succeed. I know that sounds trite, but it's true--the best salespeople are inevitably the most driven. Fortunately, once you have the first two prerequisites, this final one usually takes care of itself.

Whether you're new to sales and have no experience or are a seasoned veteran looking for a way to boost your numbers, I can help you.

In my book you'll find the most important principles, techniques, and training exercises that I isolated, tested, and codified during my twenty years in sales and sales training. Regardless of what you're selling, this book will help you sell more and sell faster. This may just be the only book you need to read on sales, but I'll let you be the judge of that.

I hope you enjoy my book and I'd love to hear from you.

Sincerely,

Mike

Totally Free Deals
Invest in Houston Texans RB Arian Foster
Added on : Sunday October 27th 2013 10:00:04 PM
g: 0 Posted By: Waffles
Views: 0 Replies: 0 website said: Yes, this is a tracking stock being offered pursuant to a registration statement that has been filed with the Securities and Exchange Commission (SEC). Every share you buy on Fantex represents ownership in the series of common stock of Fantex, Inc. that is linked to the economic performance and value of the brand of a professional athlete such as income earned from contracts, endorsements and appearance fees.
...
Fantex, Inc. creates a unique brand building platform for athletes to increase the reach and engagement of their brand. Fantex, Inc. signs a contract with an athlete to acquire a minority interest in their brand and builds a plan with a goal to increase its value, leveraging Fantex, Inc.'s marketing expertise.
LINK
g: 1 Posted By: zysunny
Views: 325 Replies: 0 U.S. Traveler Fashion 2-pc. Spinner Luggage Set



Original price $200.00
Sale $100.00
Use $50 off $100 or more coupon (code: ZOCT27SAV50) and stack with free shipping code: ES826.

Luggage set

Final price: $50.00 (Today only)

Youll always be ready for vacation with this U.S. Traveler Fashion 2-pc. Spinner Luggage Set. This set is constructed of durable 1000 denier polyester and features a fully lined interior with tie down straps and plenty of storage space.. An ID window makes your luggage easy to identify when you arrive at your destination.


Featured in maroon
29" H x 17.5" W x 10.5" D Expands to 11.5 (10.4 lbs)
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Expansion gusset increases packing capacity by 25%
Two exterior zippered pockets
Retractable push-button handle system
360-degree recessed spinner wheels
Full interior lining with zippered lid mesh pocket
Interior tie down straps
Window ID on back panel
1000 denier polyester
Imported





Luggage Deals

Bon-Ton Stores Coupons
g: 0 Posted By: archena
Views: 602 Replies: 1 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase

High Conversion E-Mail Copywriting: 50 E-Mail Marketing Copywriting Tips to Increase Your Rates by 30% or More [Kindle Edition] was $5.95

Scott Frothingham (Author)

http://www.amazon.com/dp/B00DRIU5I4

Publication Date: July 2, 2013

Publisher: FastForwardPublishing.com

4 Reviews ★★★★★

#1 in Kindle Store > Kindle eBooks > Business & Investing > Marketing & Sales > Marketing > Direct

The 50 tips in High Conversion E-Mail Copywriting can fine-tune your e-mail copywriting skills to make your customers more loyal, your prospects more responsive and your list more profitable. Understanding the way that your prospects and customers read their e-mail will help you create messages that will gain and hold their attention, boosting response rates to new levels. High Conversion E-Mail Copywriting is a quick and easy guide to taking your e-mails to the next level of performance and success.
Books & Magazines Deals
FREE Kindle Book - High Conversion E-Mail Copywriting was $5.95
Added on : Saturday October 26th 2013 08:00:10 PM
g: 0 Posted By: archena
Views: 14 Replies: 0 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase

High Conversion E-Mail Copywriting: 50 E-Mail Marketing Copywriting Tips to Increase Your Rates by 30% or More [Kindle Edition] was $5.95

Scott Frothingham (Author)

http://www.amazon.com/dp/B00DRIU5I4

Publication Date: July 2, 2013

Publisher: FastForwardPublishing.com

4 Reviews ★★★★★

#1 in Kindle Store > Kindle eBooks > Business & Investing > Marketing & Sales > Marketing > Direct

The 50 tips in High Conversion E-Mail Copywriting can fine-tune your e-mail copywriting skills to make your customers more loyal, your prospects more responsive and your list more profitable. Understanding the way that your prospects and customers read their e-mail will help you create messages that will gain and hold their attention, boosting response rates to new levels. High Conversion E-Mail Copywriting is a quick and easy guide to taking your e-mails to the next level of performance and success.
Books & Magazines Deals
g: 0 Posted By: fatpug
Views: 155 Replies: 0 http://www.amazon.com/gp/product/B00CL8F98W

Clip the $20 coupon on the page for the $79.99 price

This is $20 less than the lowest price on Amazon price history checker

Pan & Tilt - Pan and Tilt live video and keep an eye on a larger area
Night Vision - View up to 26 feet in total darkness
Sound and Motion Detection - Enhanced email alerting based on sound and motion sensing technology
Wi-Fi Extender - Increase wireless coverage for adding more cameras
Remote Viewing - Free remote live video viewing on mobile devices and web browsers with mydlink

Home & Garden Deals

Amazon Coupons
FIA reporting credit limit on Signature card?
Added on : Saturday October 26th 2013 06:00:10 AM
g: 0 Posted By: Aerofreaky
Views: 15 Replies: 0 I know there has been much discussion on this topic in the past. http://www.fullofdeals.com/forums/finance/957401/

Basically, it is one of those "no official limit" cards. So, they weren't reporting to the credit reporting agencies. As a result, you didn't get to count the credit limit towards your total credit available. This increased your credit utilization ratio, which directly reduces your credit score.

In the past, the way around this was to charge a ridiculous charge to your card and let it post and then pay it off. Not always easy to pull off. But, it would be recorded as your high limit.

I was reviewing the changes to my Credit Karma profile and realized that it has a new alert. Prior, FIA limit $0, now New Limit $ XX,000

Is anyone else seeing this? Also, even though my credit available increased, there is no increase on my scores--all 3 fako's.


Credit Deals
g: 0 Posted By: tedhawkins
Views: 127 Replies: 0 Vortex Riflescope Crossfire II 2-7x32 (V-Plex Reticle) Matte Black (Standard or Rimfire Available, Your Choice) + Vortex Riflescope Crossfire II 2-7x32 (V-Plex Reticle) Matte Black (Standard or Rimfire Available, Your Choice) + a set of Vortex 1-Inch (MED) Riflescope Ring, a Vortex Hat (Was $219.99) @ $119.99 FS

http://www.gearhog.com/

Deal Overview
Clearer. Tougher. Brighter. Our popular Crossfire riflescopes are completely redesigned and built to exceed the performance standards of similarly-priced riflescopes. Longer eye relief, a fast-focus eyepiece, fully multi-coated lenses and improved, resettable MOA turrets ensure optimal performance in the field. The hard anodized one-piece aircraft-grade aluminum tube is nitrogen purged and o-ring sealed for a lifetime of waterproof/fogproof performance. The Crossfires deliver -- and then some.

Optical Features:
Fully Multi-Coated Lenses - Increase light transmission with multiple anti-reflective coatings on all air-to-glass surfaces.

Construction Features:
* One-Inch Tube - Standard tube diameter for most American riflescopes.
* One-Piece Tube - Maximizes alignment for improved accuracy and optimum visual performance as well as strength and waterproofness.
* Aircraft-Grade Aluminum - Premium grade of aluminum, valued for fatigue resistance.
* Capped Turrets - Is less susceptible to accidental impact damage.
* Adjustable Objective - Uses an adjustment mechanism on the objective lens to fine-tune focus for the purpose of reducing parallax shooting error.
* Reset Turrets - Allow re-indexing of the turret housing to zero after sighting in the riflescope--generally requires use of a coin or wrench.
* Waterproof - o-ring seals prevent moisture, dust, and debris from getting inside the tube for reliable performance in all environments.
* Fogproof - Filled with nitrogen gas to inhibit internal fogging.
* Shockproof - Lenses are locked in place, fore and aft, with machined locking rings to remain in perfect alignment and withstand recoil and impact.
* Hard Anodized Finish - Hard-coat anodization is durable; the low-glare matte helps camouflage the shooter's position.
Guns & Ammo Deals
g: 0 Posted By: DaysFan
Views: 29 Replies: 0 http://www.costco.com/21%22-Spectrum-Skylight-Tube-By-U.S.-Sunlight.product.100042649.html?catalogId=10701&keyword=764293&langId=-1&storeId=10301

linked

javascript:void(0); $299.99 After $100 OFF
Shipping & Handling includedMember Only Itemjavascript:void(0);21" Spectrum Skylight Tube By U.S. SunlightItem # 764293Features:12 feet of Flexible Tube Included

Confirm the spacing between roof and ceiling rafters is at least 22 to allow for installation. If not, refer to the U.S. Sunlight 14 Spectrum Skylight Tube for installation.

The U.S. Sunlight Spectrum series of Skylight Tubes offer an industry exclusive for light tunnels a patented passive ventilation option. With simple snap-on, snap-off installation, convert your Spectrum Skylight Tube in to a passive ventilator. Passive ventilation when you want it, energy efficiency when you need it. This simple addition makes the Spectrum series an even better choice for restrooms, kitchens, garages, laundry rooms, and any place where daylighting and ventilation are desired.

Capture clean, natural daylight and tunnel it to just about any location in your home or business with the low-profile, square dome Spectrum Skylight Tube - the first, patented Skylight Tube offering a passive ventilation option. Now available with a 21 dome and included 12 feet of flexible tubing perfect for situations requiring increased lighting in the home and in commercial settings.

Unlike most tubular skylights on the market today, Skylight Tubes are designed with your homes aesthetic appearance in mind. Our product looks so attractive, youll finally have the flexibility to install your new tubular skylight on either the front or backside of your house, without sacrificing the appearance of your homes exterior. Simple installation, hail-resistant dome and engineered for a leak-proof installation the Spectrum Skylight Tube is the perfect option to add natural light in your home.

Benefits:

Captures light above your roof and tunnels it to just about any location in your house
First passive ventilating Skylight Tube available. Easily convert to passive ventilation when desired and revert to closed Skylight Tube as needed
Natural light enhances mood, mental, and physical well-being, concentration, and overall energy
No reframing or major structural alterations are necessary to install the Spectrum Skylight Tube do-it-yourself installation can be done typically in an afternoon
Professional installers can install in about two hours
U.S. Sunlight preferred installer recommendations available call 1-866-446-0966


Features:

Ventilation conversion kit included
Severe weather tested pending Florida Building Product approval
Impact-resistant roof lens Hail resistant and capable of carrying a live load of over 260 lbs.
Single piece flashing one piece sleek roof lens flashing blends with any roof type, allows for leak-proof installations, and is a visually stunning improvement over traditional dome-shaped tube lights.
Double layer ceiling lens for improved insulation as needed
21 roof dome, 21 flexible tube diameter, and 21 ceiling lens
12 feet of flexible tube included for simplified installation process






Home & Garden Deals
g: 0 Posted By: archena
Views: 49 Replies: 0 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase

Secrets of a Master Closer: A Simpler, Easier, and Faster Way to Sell Anything to Anyone, Anytime, Anywhere [Kindle Edition] was $6.95

Mike Kaplan (Author)

http://www.amazon.com/dp/B008B6V6YO

Publication Date: June 12, 2012

Publisher: Oculus Publishers, Inc.

65 Reviews ★★★★.5

#12 in Kindle Store > Kindle eBooks > Business & Investing > Marketing & Sales > Sales & Selling

If you want to know, step by step, how to quickly, easily, and smoothly walk anyone from being a skeptical prospect to a happy customer that refers you friends, family, and colleagues...then you want to read this book.

Here's the deal:At its core, selling isn't a patchwork of cheesy closing techniques, annoying high-pressure tactics, or gimmicky rebuttals.

True salesmanship follows very specific laws, has very specific steps and stages, and leaves a customer feeling happy and helped. It's honest, respectful, enlightening, friendly, and done with real care. It's the type of selling that wins you not only customers, but fans.

Not coincidentally, this is the type of selling that truly great salespeople have mastered. This is the type of selling that keeps pipelines full and moving, and that builds a strong, loyal customer base that continues to give back to you in the form of customer loyalty, reorders, and referrals.

Well, that's what this book is all about. It will give you a crystal-clear picture of the exact steps that every sale must move through and why, and how to methodically take any prospect through each, and eventually to the close. And how to do it with integrity and pride.

In this book, you'll learn things like...

The eight precise steps of every sale. Leave any out, and you will struggle. Use them all correctly, and you will be able to close unlimited sales.
The true purpose of the presentation and the Crucial, often-missing steps that need to be taken first. If you're making the same presentation mistakes as most other salespeople, this chapter alone could double your sales.
How to easily discover which prospects can use and pay for your product/service, and which can't. Time is your most valuable commodity as a salesperson, and if wasted, it costs you money.
Learn how to smoothly create an abundance of closing opportunities, and know when to act on them and close. This is the hallmark of every master closer. Learn it, use it, and profit.
Why it's a myth that you need to know multiple ways to close deals. Learn this one, simple method, and you'll be able to use it to close all of your sales.
Simple formulas to turn any objection into a closing opportunity. Use them and never fear hearing a prospect's objection ever again.
And a whole lot more!

This is more than a just a book, really. It's a step-by-step sales training course. Each chapter ends with precise exercises that will help you master each technique taught and each step of the sales process.

If you are new to sales, make this book the first one you read, and you will greatly increase your chances for quick success.

If you are a seasoned veteran and are looking for ways to improve your numbers, this book will help you make your sales goals a reality.

SPECIAL BONUS FOR READERS!

With this book you'll also get a free "Road Map" from the author that lays out, in a PDF chart, every step and key principles taught in the book.

Print it out and keep it handy because it makes for a great "cheat sheet" to use while selling, or just to refresh on what you've learned.
From the AuthorHi,

I'm Mike, and I spent six years building and ultimately selling a multi-million dollar software sales company, AllMicro.

I attribute my success most to my ability to sell, which helped me not only get into the business in the first place, but train hundreds of salespeople over the years to build a large, productive sales force.

My experience teaching has shown me that everyone has the potential to be a great salesperson. It only takes three things.

First, you have to know the fundamental principles of selling. No amount of trick techniques or gimmicks can replace an understanding of the underlying laws of sales and persuasion.

Second, you have to know the precise steps that every sale must go through, and how to smoothly walk prospects through each. If you can't, you'll never reach your full potential as a salesperson.

Third, you have to have a strong desire to succeed. I know that sounds trite, but it's true--the best salespeople are inevitably the most driven. Fortunately, once you have the first two prerequisites, this final one usually takes care of itself.

Whether you're new to sales and have no experience or are a seasoned veteran looking for a way to boost your numbers, I can help you.

In my book you'll find the most important principles, techniques, and training exercises that I isolated, tested, and codified during my twenty years in sales and sales training. Regardless of what you're selling, this book will help you sell more and sell faster. This may just be the only book you need to read on sales, but I'll let you be the judge of that.

I hope you enjoy my book and I'd love to hear from you.

Sincerely,

Mike

Totally Free Deals
Any advice for getting healthcare if you can't afford it?
Added on : Thursday October 24th 2013 04:00:07 PM
g: 0 Posted By: mxmaniac
Views: 161 Replies: 4 I'm in a tough spot right now, in need of healthcare and treatment for some medical problems. I make too little to afford care, yet too much to qualify for any help. I know I'm not the only person like this, there are tons of people who live paycheck to paycheck.

Heres a brief summary of my situation. I was a successful and healthy construction worker, things were looking good. All of a sudden I'm hit with multiple health problems, thought they were minor but didn't realize how bad they were till it was too late. I could no longer work my regular job due to the health issues, and I found a lighter duty construction job which only paid half what I was making (with opportunity for increase). Just barely enough to squeak by and live paycheck to paycheck. I got minimal treatment but couldn't continue because the copays/patient responsibility was thousands of dollars, which I couldn't afford living paycheck to paycheck. My conditions got worse, and I lost my job and now can't work construction at all because my body in its current state can't take it, and I'm having tons of trouble finding any decent job/career I can live off of, with no college and a construction background. Right now my unemployment so small, that it is roughly the same as my mortgage. I'm selling things and using minimal savings just to pay the day to day food/utilities, I'll be out of things to sell very shortly. Yet the minimal unemployment which does not even pay the bills, is above the poverty level, and overall considered too high of income for any sort of low income medical help, or any sliding scale places. The obamacare is a joke, $300 a month for a plan with a $8000 deductable, how is a paycheck to paycheck person supposed to afford that? I am not willing to default on my mortgage or loose my home, it is the most important thing I have, and is the only sort of retirement savings I have. I really just need to get the proper medical treatment so that I can go back to work my former construction job, but with the ridiculous costs of healthcare, often thousands for simple little things, I don't have the money for it. I just can't believe, all my life I've been working hard, and paying money so that those too lazy to work can have their healthcare paid for, but the time I reach a rough patch I seem to be screwed.

Anyways, does anyone have advice or ideas to help? Even if they are somewhat radical like maybe going up to canada or another country long enough to get treatment (don't know if you can even do this).





Personal Finance Deals
Questions on export business
Added on : Wednesday October 23rd 2013 08:00:11 PM
g: 0 Posted By: DreamR2I
Views: 66 Replies: 0 Guys,

My close relative has a successful business in Asia. He primarily has dealership of several of international brands for instrumentation and automation products in oil and natural gas area.

He has a major order from a company that is in a free-trade zone , which means there is no import tax (unlike if the company is in non free-trade zone). The normal practice would be for him to import, pay the import duty, and supply to the client. The OEM supplier is in Belgium. He can ask them to ship the products directly to the client. But that will expose his margins to client. hence he don't want to do that.

One option would be that If I open a business here in US (if required, as an affiliate/branch office of my brothers company) and place the order on the Belgian co. and ship directly to the client. With this he will save on the import duty (which is quite significant). He does lot of international trading. So, the money accumulated in the account here can be used to pay future orders. So that is not a big concern.

So, my questions are:

1. Does it make sense to open a business for such purpose?
2. If yes, what are the complications in opening a business here for such transactions?
3. Is it complicated enough that I need to contact a tax attorney? (which I assume it is)
4. If so, what kind of attorney should I look for?
5. Any relevant resources to read to increase my awareness?

TIA
Question Deals
Prescription filled with wrong strength medication.
Added on : Wednesday October 23rd 2013 12:00:06 PM
g: 1 Posted By: couponking1953
Views: 193 Replies: 5 My mother takes a blood thinning medication and has done so for the last couple of years. Her prescriptions are filled with a 90 day supply using a national drug store chain in-store pharmacy. For the last week or so, she started to get nose bleeds that were difficult to stop, she scratched herself and it took very long to stop the bleeding and the other day there was blood in her urine.

A trip to her doctor and some blood work later, it was discovered that her blood had become much too thin. Nothing had changed in either her daily routine or her diet so we were all puzzled about the change. Another visit to the doctor, she brought all of her prescriptions and it was discovered that the pharmacy filled her blood thinner medicine at a strength greater than what was prescribed. The bottle stated one strength, I believe 4mg, but the pills that were dispensed were 6mg. She had been taking this stronger medication for a couple of weeks since getting the prescription filled. Her doctor believes this increased dose of the blood thinner was the cause of the dramatic change in her blood.

We now have her on the correct strength medications and are limiting her activities to try to prevent her from having even a minor accident. The pharmacy (again a national chain) admitted their mistake and said they were very sorry and to reflect on how she is a valued customer, did not charge her for the replacement medications (which are generic with a cost of $10). Of course her health is the priority here and we hope and pray she will be ok, but this lack of concern by the store has our family just a little sour . We are collecting the expenses related to their mistake for the doctor visits and additional tests but there has been no attempt by the major chain to step up and offer to take any financial responsibility for their mistake or even a follow up to check on her.

I have some thoughts on how we might proceed with this but would welcome any advice from this forum. We would like to do what is right to hopefully prevent this from happening to others.

Thanks!





Discussion Deals
g: 0 Posted By: ggmon
Views: 22 Replies: 0 I enrolled in the employer plan last week . I see that compared to last year insurance premium has not gone up. Its the first year for more than a decade that insurance premium has not gone up compared to prior year..... some year were 40-50% increases.
However my employer did reduce their contribution in effect increasing my contribution by $40 per pay check(26 pay check per year).
I have a high deductible family plan Deductible :$3600. Max: 10,000

I was expecting a much more given the -ve media coverage.
ondering if Obamacare is really working.

Please share your experience.



Personal Finance Deals
g: 0 Posted By: Gambit3
Views: 44 Replies: 0 Ryobi ONE+ 18-Volt Lithium-Ion Drill and Impact Driver Combo Kit (2-Tool)Was $150.
http://www.homedepot.com/p/Ryobi-ONE-18-Volt-Lithium-Ion-Drill-a... 18-Volt ONE+ introduces lithium-ion performance at Ni-Cd prices. This kit is powered by new and improved lithium-ion batteries. They hold a charge 4X longer, offer up to 20% more runtime and are 45% lighter weight than Ni-Cd batteries. Batteries stored on the IntelliPort charger are conditioned for peak performance. The drill includes a 1/2 inch heavy-duty single sleeve, keyless chuck with 24 position clutch to match your drilling and driving needs. The impact driver has a variable speed trigger and 1,500 in.-lbs. of torque provide control and power when driving long and large screwed or bolts. They both feature the exclusive MagTray and on-board bit storage, which allow convenient placement of bits and screws.

Includes 2 P102 Compact Lithium-ion batteries and P117 dual chemistry charger. Also works with these batteries (P100, P102, P103, P104, P105, P107, P108) and chargers (P113, P114, P117, P131, P125)
Drill features 24 position clutch and 2-speed gear box to match your drilling and driving needs
Impact driver delivers 1,500 in. lbs. of torque for the most demanding applications
Battery provides up to 20% more runtime compared to 18-Volt Ni-Cd (P100)
Battery is 45% lighter weight reduces user fatigue
Battery features fade-free power for maximum performance
The charger features patented IntelliPort Technology, which protects battery cells, maximizes battery life and conserves energy
Charges the included batteries in 30 minutes
Impact Driver: MagTray magnetic holder for convenient placement of screws and bits
Impact Driver: Overmold grip area for increased user comfort
Impact Driver: On-board bit storage for convenience
Any 18V ONE+ battery works with any 18V ONE+ tool
Bullish (with data/reasoning) Finance Blogs recommendations ?
Added on : Monday October 21st 2013 09:00:14 AM
g: 0 Posted By: nic3456
Views: 86 Replies: 3 I'm looking for some blog/finance websites that lean more towards how good the economy is trending, etc. I read a lot of Zero Hedge, Sovereign Man, etc which typically point out all the risks to the downsideand want to increase my exposure to thoughts around the upside (if it exists . Any recommendations on Bullish websites with data to backup and not just cheerleaders? (a la CNBC).
General Economics Deals
Roku 3 Streaming Media Player $84.99 @Amazon
Added on : Sunday October 20th 2013 04:00:02 PM
g: 0 Posted By: forzaINTER
Views: 13 Replies: 0 This time sold by Amazon not a party seller for this price. http://www.amazon.com/gp/product/B00BGGDVOO/ripped from a blog http://hrblogs.typepad.com/savvyshoppertoday/2013/10/roku-3-streaming-media-player-8499-with-free-shipping-via-amazon.html

Faster and more powerful. With up to 1080p HD video* and extended-range, dual-band wireless performance for increased speed
Amazing remote with headphone jack. Use the included in-ear headphones to crank up that late-night flick while the kids (or parents) sleep
One-stop search. Find your favorite movies and TV shows all from one place?from top TV and Movie services like Netflix, Amazon Instant Video or Hulu Plus
1000+ channels and growing. The best selection of streaming out there. Everything from Netflix to Hulu Plus to HBO GO to Major League Baseball
Free iOS and Android device app. Use it like a remote. Browse and add new channels. Even stream your music and photos from your phone or tablet to your HDTV



Electronics Deals

Amazon Coupons
lowes: $19.97 IRWIN 13-Piece Spade Bit Set (in-store pickup)
Added on : Sunday October 20th 2013 03:00:03 PM
g: 0 Posted By: VivYip
Views: 103 Replies: 1 Lowes has this item for $19.97 with in-store pickup

IRWIN 13-Piece Spade Bit Set
Item #: 416700 | Model #: 1850670
13-Piece Spade Bit Set

Patented Blue-Groove point and cutting edge for faster chip removal and overall drilling speed
Double cutting spurs scribe the outside of the hole for reduced breakout and cleaner holes
40% thicker cutting edge and 25% larger shank increase durability and drilling life

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

Lowe's Coupons
g: 0 Posted By: Ayla
Views: 139 Replies: 1 .

New Balance 1080 - Women's Running - $69.99 = $5.95 Shipping at Joes New Balance Outlet




http://www.joesnewbalanceoutlet.com/detail.asp?style=W1080SB2



Now: $69.99

Orig: $134.99



Dual-density Collar uses both a softer density foam against the foot for cushioning, and a firmer density foam for support
Lightweight, mesh-based upper with synthetic reinforcement provides increased breathability and speed
Reflective detailing enhances your visibility
Blown rubber outsole is extremely flexible, light, and helps provide cushioning
ACTEVA LITE premium lightweight midsole provides optimal resistance to compression set - 24% lighter than standard foam
Welded seams for no-sew material application


Shoes Deals

Joe's New Balance Outlet Coupons
g: 1 Posted By: VivYip
Views: 541 Replies: 1 Home Depot has this item for $1528.20 with free shipping

Whirlpool 26.1 cu. ft. French Door Refrigerator in Monochromatic Satina Steel
ENERGY STAR qualified and meets CEE Tier II standards, to help you save money on utility bills, use less energy and help preserve our natural resources
Exterior filtered water dispenser. Minimize the need for bottled water with an exterior dispenser that offers cold, filtered water and ice without opening the door
Factory installed ice maker with the Fast Ice option drops freezer temperatures for a full 24 hours to increase ice production by over 30%
PUR water filtration system. You'll help protect the environment by preventing the disposal of up to 3,000 plastic bottles a year and save over $600 for yourself
Tap Touch controls also provide a sleek look and are easy to use
Temperature management system keeps temperatures steady
Store more items on each shelf with this model's MicroEdge shelves. They not only have more usable shelf space, they help contain leaks
Triple Crisper system features two larger crispers with humidity controls, and a center crisper
Gallon size-adjustable door bins provide flexible storage options
19.38 cu. ft. fresh food compartment and 6.76 cu. ft. freezer compartment provide spacious storage options
Easily customize freezer storage and organize frozen food with the moveable freezer divider bin
Fold-away shelf's design makes it easy to store taller items on the shelf below
Streamlined design gives this model a sleek, modern look
LED interior lighting in both compartments. LED lighting makes it easy to see fresh and frozen food. It puts a spotlight on food and casts a more natural light on the contents of your refrigerator
French Door refrigerator: 2 refrigerator compartment doors and 1 freezer compartment drawer
Click Here for details on the services included with Delivery & Basic Hook-up and Installation options for Major Appliances
MFG Model # : WRF736SDAF
MFG Part # : WRF736SDAF

They also offer the 25cuft stainless steel for 1,780.20
Whirlpool 25.0 cu. ft. French Door Refrigerator in Monochromatic Stainless Steel

and 25.4 stainless steel for $988.20
Whirlpool 25.4 cu. ft. Side by Side Refrigerator in Monochromatic Stainless Steel

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

Home Depot Coupons
staples: $49.99 WD My Net N900 HD Dual-Band Router (F/S)
Added on : Saturday October 19th 2013 05:00:14 AM
g: 2 Posted By: VivYip
Views: 620 Replies: 3 Staples has this item for $49.99 with free shipping

WD My Net N900 HD Dual-Band Router(item description)
Exclusive FasTrack Plus FasTrack Plus technology delivers smooth accelerated HD streaming for the best entertainment experience
Up to 450 + 450 Mbps wireless speeds1 With combined dual-band speeds up to 900 Mbps on the 2.4 and 5 GHz bands, the My Net N900 delivers the ultimate Wi-Fi speeds for your entertainment
Simultaneous dual band Double your bandwidth with 2.4 and 5 GHz bands working simultaneously to increase throughput and reduce interference


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

Staples Coupons
g: 0 Posted By: VivYip
Views: 139 Replies: 0 Home Depot has this item for $179 with free shipping

DEWALT 30 Degree 2 in. - 3-1/2 in. (.113 to .131) Clipped Head Framing Nailer
Optimized power design generates power for the toughest applications with less air consumption
Tool-free adjustable depth allows for quick and easy depth of drive setting
Internal driver piston catch allows for a consistent drive each time
Unique engine design generates power to bury nails in both standard framing lumber and engineered lumber with minimal recoil
Trigger lock-off allows trigger to be disabled when not in use
Wear guards protect the tool and increase job-site durability
Integrated adjustable rafter hook allows for increased versatility on the job-site
MFG Model # : D51825
MFG Part # : D51825

They also have the 21 degree full round for the same price

DEWALT-21-Degree-Full-Round-Head-Framing-Nailer

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

Home Depot Coupons
Increased cost of health care
Added on : Friday October 18th 2013 06:00:11 AM
g: 0 Posted By: jhuflyer
Views: 97 Replies: 1 Just a data point....

Increase in health care premiums for self-funded 4000+ employee non-profit place:
10.4% overall premium increase which includes $620,000 increase in yearly outlay directly attributed to PPACA.
General Economics Deals
g: 0 Posted By: VivYip
Views: 125 Replies: 0 credit techbargains

Home Depot has this item for $99 with free shipping

Makita 18-Volt Compact Lithium-Ion Cordless 1/2 in. Driver-Drill Kit
Makita-built 4-pole motor delivers 480 in.lbs. of Max Torque and 290 in.lbs. of PTI Torque
Variable 2-speed (0-400 & 0-1,500 RPM) covers a wide range of drilling and driving applications
Compact and ergonomic design at only 7-9/16 in. long and weighs only 3.3 lbs. for reduced operator fatigue
Built-in L.E.D. light with afterglow illuminates the work area
Rubberized soft grip provides increased comfort on the job
Makita 18-Volt Compact Lithium-Ion batteries charge in only 15 minutes, 4X faster than 18-Volt Ni-Cd.
Makita 18-Volt Compact Lithium-Ion batteries provide longer run time, 5X lower self-discharge for use any time, and 16 firm-holding contact terminals for constant high power
Rapid optimum charger communicates with the battery's built-in chip throughout the charging process to optimize battery life by actively controlling current, voltage and temperature
Rapid optimum charger has a built-in fan to cool the battery which helps produce more lifetime work
Accepts Makita 18-Volt LXT Lithium-Ion battery for even longer run time
The charger earned the ENERGY STAR label for meeting the strict energy-efficient guidelines set by the US Environmental Protection Agency (EPA) and US Department of Energy (DOE)
3-year warranty on tool and 1-year warranty on batteries and charger
Compatible Batteries & Chargers: BL1830, BL1830-2, DC18RA, DC18SE
Includes: 18-Volt compact lithium-ion battery (BL1815), 18-Volt lithium ion rapid optimum charger (DC18RC)
MFG Model # : LXFD01WSP1
MFG Part # : LXFD01WSP1

Sorry any confusion. Thank you for reading
Blu Ray Deals
Take Out Unnecessary Student Loan to Boost Credit Score?
Added on : Thursday October 17th 2013 06:00:11 AM
g: 0 Posted By: km782
Views: 67 Replies: 0 I am looking for a way to boost my credit score. My score from Transunion is 747, which is ok but I don't really think it reflects my financial situation so I'd like to increase it. Two years ago it was over 780 but I decided to close my oldest credit card which began charging an annual fee and offered no rewards. I also opened a new account in its place and my score dropped 40 points as a result.

Right now I have 2 open credit card accounts. One is a Capital One card with a $15k limit and the other is a Citi card with a $31k limit. Citi recently increased my limit but Capital One refuses my requests. I have $170k in liquid assets (stocks, savings, etc.) so I am more than capable of paying off any bill that comes my way and have no other outstanding debt.

I am a part time student in grad school right now and have been paying the tuition bills out of pocket. Would taking out a student loan and then paying it off soon after that boost my credit score? My understanding is that it is helpful to have types of debt other than just credit card debt on your credit report. Id like to purchase a house in the next few years so even though I would pay a fee for the student loan I wonder if a lower interest rate on a mortgage would more than make up for it?
Personal Finance Deals
g: 0 Posted By: DaysFan
Views: 166 Replies: 0 http://sni.scholastic.com/
website
Every week Scholastic News brings teachers and students high-quality nonfiction on fascinating seasonal science and social studies themes. This engaging first-grade magazine has been specifically designed to help educators meet standards with a helpful Common Core toolkit and lesson plans, clear standards connections, and texts that increase in complexity as the year progresses.

link
Take a closer look at Scholastic News:

Exciting weekly nonfiction covers seasonal topics that connect directly to your science and social studies curriculums.
Common Core Tool Kits help you teach one "spotlight" standard with every issue. Tool Kits include a comprehensive lesson plan, challenging skills pages, and fun online activity.
High-quality nonfiction grows in complexity as the year progresses and your students become more proficient readers.
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Free - Database Pro [Kindle Edition] was $19.95
Added on : Wednesday October 16th 2013 03:00:05 AM
g: 2 Posted By: remick
Views: 362 Replies: 0 http://www.amazon.com/Database-Pro-Kalman-Toth-ebook/dp/B00BDS2FFQ

Learn SQL Server 2012 professional database design fast. Practical relational database design teach-by-practical-diagrams-&-examples book for developers, programmers, systems analysts, IT managers and project managers who are new to relational database and client/server technologies. Also for database developers, database designers and database administrators (DBA), who know some database design, and who wish to refresh & expand their RDBMS design technology horizons. Familiarity with at least one computer programming language such as Visual Basic, Windows file system & Excel is assumed. Since the book is career advancement oriented, it has a great number of 3NF database design examples with metadata explanations along with practical SQL queries (over 400 SELECT queries) and T-SQL scripts, plenty to learn indeed. Great emphasis is placed on explaining the FOREIGN KEY - PRIMARY KEY constraints among tables, the connections which make the collection of individual tables a database. The database diagrams and queries are based on historic and current SQL Server sample databases: pubs (PRIMARY KEYs 9, FOREIGN KEYs 10) , Northwind (PRIMARY KEYs 13, FOREIGN KEYs 13) and the latest AdventureWorks series. Among them: AdventureWorks, AdventureWorks2008, AdventureWorks2012 (PRIMARY KEYs 71, FOREIGN KEYs 90), & AdventureWorksDW2012 (PRIMARY KEYs 27, FOREIGN KEYs 44). The last one is a data warehouse database which is the basis for multi-dimensional OLAP cubes. The book teaches through vivid database diagrams and T-SQL queries how to think in terms of sets at a very high level, focusing on set-based operations instead of loops like in procedural programming languages. The best way to master relational database design & T-SQL programming is to type the query in your own SQL Server Management Studio Query Editor, test it, examine it, change it and study it. Wouldn't it be easier just to copy & paste it? It would, but the learning value would diminish rapidly. You need to feel relational database design and the SQL language in your DNA. SQL queries, "CREATE TABLEs" must "pour" out from your fingers into the keyboard. Why is knowing SQL queries by heart so important? After all everything can be found on the web so why not just copy & paste? Well not exactly. If you want to be an database designer expert, it has to be in your head not on the web. Second, when your supervisor is looking over your shoulder, "Chuck, can you create a new table for our electric pumps inventory?", you have to be able to type the CREATE TABLE query without documentation or SQL forum search and explain how it will work to your superior promptly. The book was designed to be readable in any environment, even on the beach laptop around or no laptop in sight at all. All queries are followed by results row count and /or full/partial results listing in tabular (grid) format. Screenshots are used when dealing with GUI tools such as SQL Server Management Studio. Mastery of the relational database design book likely to be sufficient for career advancement as a database designer and database developer.
Database design principles did not change much since the inception of RDBS technology in the 1970-s. Yet there are many IT installations with faulty database design which is very costly to the company. Good database design increases reliability, decreases development time and maintenance cost.
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Views: 227 Replies: 0 credit techbargains

Newegg has this item for $149.99 with free shipping

JBL Studio 1 Series Studio 190 Home Audio Speaker Each
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newegg: $849 Autodesk AutoCAD LT 2014 for PC (+$50 GC) (F/S)
Added on : Tuesday October 15th 2013 09:00:07 AM
g: 0 Posted By: VivYip
Views: 154 Replies: 0 Newegg has this item for $849 (includes $50 GC) with free shipping and no tax in most states

Autodesk AutoCAD LT 2014 for PC
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Hope this might help someone. Thank you for your patience in reading
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Home Depot has this item for $359.10 with free shipping

Maytag Performance Series 6.7 cu. ft. Electric Dryer in White
6.7 cu. ft. capacity accommodates large loads
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They also have the larger one for $449.10 Maytag Performance Series 7.2 cu. ft. Electric Dryer with Steam in White


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Dell has this item for $29.99 with free shipping

Dell Energy 17 Messenger - Fits Laptops with Screen Sizes up to 17-inch
Manufacturer Part# : 4P9V9 | Dell Part# : 331-5362

Highlights
Dedicated neoprene laptop compartment for added protection
Spacious storage section can hold a change of clothes
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Water bottle pocket
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Elongated, padded shoulder strap allows comfortable over-the-shoulder or across-the-body fit
Reflective accents for increased night-time visibility
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Fits Laptop with Screen Sizes Up to 17-inch


Overview
The Energy 17-inch Messenger from Dell fits seamlessly into any environment. With durable, lightweight, water-resistant fabric, this messenger is tough enough to withstand the outdoor elements or anywhere else your day takes you. It also has fully-loaded features including a comfortable padded shoulder, buckle closure to keep your contents secure, two water bottle pockets and reflective accents. There is a spacious storage section for a change of clothes and plenty of accessory storage with individual mesh pockets to keep you organized. There is also a dedicated neoprene laptop compartment for added protection. This product has been tested and validated on Dell systems. It is supported by Dell Technical Support when used with a Dell system.

Manufacturer Part# : 4P9V9
Dell Part# : 331-5362

Compatibility
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Inspiron 17 (3721)
Inspiron 17R (5721)
Inspiron 17R (7720)
Latitude E6230
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Precision M4700
Dedicated neoprene laptop compartment fits laptops up to 17"
Durable, yet lightweight, water-resistant fabric w/ reflective accents
Elongated, padded shoulder strap for over-the-shoulder or across-the-body fit

Hope this might help someone. Thank you for reading
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20+ Free Kindle Books
Added on : Monday October 14th 2013 07:00:12 AM
g: 3 Posted By: remick
Views: 659 Replies: 2 Free when posted

Good Eating's Creative Pasta: Healthy and Unique Recipes for Meals, Sides, and Sauces [Kindle Edition]
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Healthy Shrimp Recipes: Healthy Spicy Shrimp Pasta, Smothered Basil Shrimp, and more! (The Best Healthy Recipes) [Kindle Edition]
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Arousing the Buy Curious: Real Estate Pillow Talk for Patrons and Professionals [Kindle Edition]
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The Life and Prayers of Saint Teresa of Avila [Kindle Edition]
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The Folks Back Home Won't Believe This: Memoirs of a Concerned Officer ROTC to Vietnam [Kindle Edition]
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The Battle of Natural Bridge, Florida [Kindle Edition]
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The Battle of Natural Bridge, Florida was one of the last significant Confederate victories of the Civil War.
Fought on March 6, 1865, along the St. Marks River, the battle not only preserved Tallahassee's status as the only unconquered Southern capital east of the Mississippi, it protected a large area of North Florida and South Georgia from devastation at the hands of advancing Union troops. Led by Generals Samuel Jones and William Miller, Confederate forces turned back eight charges by the 2nd and 99th U.S.C.T. regiments to hold a key river crossing and prevail in one of the most hard fought battles of the war in Florida.


The Sindbad Voyage [Kindle Edition]
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The Best of Walt Disney: Life Lessons from the Creator of Disneyland & Mickey Mouse (Walt Disney, Mickey Mouse, Disney Land) [Kindle Edition]
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Martin Luther King, Jr. : Life Lessons from the King Who Had a Dream (I have a Dream, Martin Luther King Jr. King biography) [Kindle Edition]
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50 Fitness Tips You Wish You Knew: The Best Quick And Easy Ways To Increase Motivation, Lose Weight, Get In Shape, And Stay Healthy [Kindle Edition]
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ONE-TWO-GO Hong Kong: The Ultimate Guide to Hong Kong 2014 (One-Two-Go.com) [Kindle Edition]
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The Truth About Butterflies: A Memoir [Kindle Edition
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Confessions of a Transformed Heart - an Interactive eBook with Discussion Questions [Kindle Edition]
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The Distant Shore (Stone Trilogy) [Kindle Edition]
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Angel On Board - Guardian Angels 101 [Kindle Edition]
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g: 1 Posted By: remick
Views: 277 Replies: 0 http://www.amazon.com/dp/B00968FPDE

A brand new collection of powerful insights into building outstanding customer relationships 4 pioneering books, now in a convenient e-format, at a great price!

4 remarkable eBooks help you develop rock-solid, high-value long-term customer relationships: levels of loyalty you thought were impossible

Today, rock-solid long-term customer relationships are the holy grail of every business -- and they seem just as elusive. But such relationships are possible: great businesses are proving it every day, and reaping the rewards. In this extraordinary 4 eBook set, you'll learn how they do it -- and how you can, too, no matter what you sell or who your customers are. First, in Managing Customers for Profit: Strategies to Increase Profits and Build Loyalty, internationally respected marketing expert V. Kumar presents a complete framework for linking your investments to business value - and maximizing the lifetime value of every customer. Learn how to use Customer Lifetime Value (CLV) to target customers with higher profit potentialmanage and reward existing customers based on their profitabilityand invest in high-profit customers to prevent attrition and ensure future profitability. Kumar introduces customer-centric approaches to allocating marketing resourcespitching the right products to the right customers at the right timedetermining when a customer is likely to leave, and whether to intervenemanaging multichannel shopping even calculating referral value. Next, in Smart Retail: Practical Winning Ideas and Strategies from the Most Successful Retailers in the World, Richard Hammond presents remarkable new case studies, ideas, strategies, and tactics from great retailers worldwide. Discover new ways to use data to drive profit and growth do more with less leverage technology to develop highly productive and innovative remote teams create your ultimate retail experience! In Inside the Mind of the Shopper: The Science of Retailing, the legendary Herb Sorensen reveals what customers really do when they shop, ripping away myths and mistakes that lead retailers to miss huge opportunities. Sorensen identifies simple interventions that can have dramatic sales effects, shows why many common strategies don't work, and offers specific solutions for serving quick-trip shoppers, optimizing in-store migration patterns, improving manufacturer-retailer collaboration, even retailing to multicultural communities. Finally, in The Truth About What Customers Want, Michael R. Solomon demystifies today's consumers, revealing what they want, think, and feel. Then, based on his deep truths about consumer behavior, he presents 50 bite-size, easy-to-use techniques for finding and keeping highly profitable customers!

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g: 0 Posted By: tedhawkins
Views: 114 Replies: 0 Mountain Hardwear Drystein II Dry.Q Elite Jacket - Waterproof (For Women) $199.95 + $2.95 S/H

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g: 2 Posted By: archena
Views: 197 Replies: 1 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase

Are You a Stock or a Bond?: Identify Your Own Human Capital for a Secure Financial Future, Updated and Revised [Kindle Edition] was $29.99

Moshe A. Milevsky Ph.D. (Author)

http://www.amazon.com/dp/B009EC7K0S

Publication Date: September 21, 2012

Publisher: FT Press

20 Reviews ★★★★

#17 in Kindle Store > Kindle eBooks > Nonfiction > Professional & Technical > Accounting & Finance > Finance

#17 in Kindle Store > Kindle eBooks > Business & Investing > Finance > Finance & Investing


You must be aware of the value, potential return and risk of your own human capital (your job, career and what you do for a living as opposed to stocks and bonds or other investment choices) as well as financial capital and investments to plan a secure future. Human capital is the most valuable asset that you will own over your lifecycle. You need to balance all financial decisions with the characteristics of your human capital. The key trends identified in the first edition of the book namely, the decline of Defined Benefit (DB) pension provision, the continued increase in human longevity and the risk of personal inflation, are as relevant today as they were five years ago. The financial crisis has taught us that all types of capital human, financial and even social are key to a secure financial future. If your career has "stock-like" growth and risk characteristics, Milevsky helps you balance your "portfolio" by tilting investments towards safer "bonds." If your job is more secure but offers lower financial upside, you'll learn to tilt your investments towards stocks that compensate for your lower earning potential. Either way, Milevsky shows you how to integrate investments, insurance, annuities, and retirement plans to generate the safe and reliable income you'll need.

This Edition's updates include:

● New 2012 data, charts, figures, and references
● More coverage of incorporating "human capital" into financial planning
● Advice reflecting the aftermath of the financial crisis
● Easier, more usable techniques, and less math!

About the Author
Moshe A. Milevsky, Ph.D., is a professor at the Schulich School of Business and a member of the graduate faculty of the Department of Mathematics and Statistics at York University in Toronto (Canada). He has lectured at the Wharton School of Business at the University of Pennsylvania, the London School of Economics (UK), University of New South Whales (Australia), ORT University in Montevideo (Uruguay), University of Cyprus, University of Leuven (Belgium), and Goethe University (Germany).

He is a 2002 Fellow of the Fields Institute for Research in Mathematical Sciences. In 2003 he received two National Magazine (Canada) awards for his popular writing on personal finance. In 2006 he received a Graham and Dodd scroll award from the CFA Institute for an article in the Financial Analysts Journal . In 2008, he was honored with a lifetime achievement award from the Retirement Income Industry Association, and in 2009 he was selected as an MDRT Main Platform speaker.

Prof. Milevsky has published ten books, more than 60 peer reviewed research papers, and more than 200 popular magazine and newspaper articles. He currently lives in Toronto, but grew up in Baltimore, New York, Mexico City, and Jerusalem. He is married with four daughters. Follow him on Twitter at http://twitter.com/RetirementQuant.
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g: 0 Posted By: INSANECANE
Views: 188 Replies: 0 hp s520


$29.99 after coupon JJC101206



16 Megapixels; for taking super-sharp images and videos
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g: 0 Posted By: PatrickM213
Views: 0 Replies: 0 My car is nearing the end of it's days on earth. Oil and coolant leak among other issues. My credit score is around 600. I have a few collections from 2008 that I am hoping to take care of this next year. Income is about to become more stable and increase.

I have about $2500 cash.

My credit union offers a secured loan @4.25 percent with up to 120 month terms. The bank rep said I could do multiple loans-- i.e. borrow $2500 against a deposit then deposit that loan back into the account and borrow a total of $5000.

In an effort to avoid buying a vehicle from a shady in house financing dealership, I could buy a car from a private party seller for around $5000 and help rebuild some positive payment history and build a better relationship with my CCU.

If I did 2 years on the initial loan and 5 years on the 2nd, my payment would be $200.65/month for the first 2 years and then $92.65 for the remaining 3(I would continue paying the $200 to pay off the loan faster).

Is this a decent plan? A terrible idea? Am I missing something? Thanks



g: 0 Posted By: njgheewala
Views: 121 Replies: 0 DescriptionThe two speakers integrated into the Samsung UN46ES7100 LED LCD HDTV can deliver quality sound without the need for a larger audio setup. This provides the Samsung 46-inch 3D-ready TV with a degree of versatility, though users can take advantage of the audio connectors to set up a home theater system if they desire. In addition, the television has multiple tuners that allow for standard-definition and high-definition programming, and it supports 1080p full HD. The Samsung 46-inch 3D-ready TV benefits from the LED backlighting of its LCD display, which increases the clarity and vibrancy of the image. Various input and output connectors available on this LED LCD HDTV allow it to interface with many external devices. These include three HDMI ports, a wired LAN port for Internet access, three USB slots, and standard television ports that allow the Samsung UN46ES7100 to be used with more traditional devices such as DVD players. This Samsung 46-inch 3D-ready TV measures 40.9 inches wide by 1.2 inches deep by 23.8 inches high on its own and weighs approximately 25 lbs.

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Can a mortgage co dictate my homeowners ins AFTER closing?
Added on : Thursday October 10th 2013 05:00:16 AM
g: 0 Posted By: Abewley
Views: 163 Replies: 5 Hello, We just got a call from our HO Ins agent saying our mortgage co we closed on our house with 2 months ago contacted our agent saying they need to change our dwelling coverage, wind coverage, and the deductible percentages on our policy. Can they do this?? Our agent said she has never had a mortgage co try to dictate AFTER closing what our policy should be. We currently have a dwelling coverage higher than our appraisal. The mortgage co is requesting to lower the dwelling amount and increase our deductible from 2% to 5%. This will cause our premium to go up, our monthly payment to go up, and our coverage to be less. We closed 2 months ago. Should we seek an attorney if they continue to push this after us saying we do not want this? If we cancel our current policy we will also have to pay a penalty. TIA!
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Buying inventory to increase tax deduction
Added on : Tuesday October 08th 2013 10:00:10 AM
g: 0 Posted By: Bizatch
Views: 31 Replies: 1 I have a successful business that is generating nice profits. I'd like to minimize taxes paid on those profits by expanding into other business ventures.

Lets say that at the end of this year I'm looking at a $100k net profit from my primary business. I expand my business by getting into selling giftcards. Can I buy $100k worth of giftcards on December 31 of this year and generate a $100k deduction on my taxes? Then, in 2014 I'll sell those giftcards, and record all of that as profit (presumably $100k+).

I'm sure I'm missing something. If not, I'm effectively delaying paying a huge chunk of taxes this year.

Please set me straight.
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SWA - One way $49, $99, $129, $149 Booked through 10/10
Added on : Tuesday October 08th 2013 09:00:03 AM
g: 2 Posted By: liddonibblez
Views: 276 Replies: 1 Promo
$49 0-500 miles
$99 501-1000 miles
$129 1001-1500 miles
$149 1501+ miles

Terms and Conditions

Available only onsouthwest.comorswabiz.com.
Purchase from Oct. 8 through Oct. 10, 2013, 11:59 pm for the respective time zone of the originating city.
Travel Dec. 4 through Dec. 18, 2013 and Jan. 7 through Feb. 12, 2014.
Travel valid every day except Fridays & Sundays.
Some flights operated by AirTran=0.8emAirways. Available on published, scheduled service only.
Fares valid on nonstop service only.
Displayed prices include all government taxes and fees.
Seats are limited. Fares may vary by destination, flight, and day of week and wont be available on some flights that operate during very busy travel times and holiday periods.
Offer not available for San Juan.
Fares are available for one-way travel.
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g: 0 Posted By: asysttech
Views: 124 Replies: 0 http://www.midwayusa.com/product/417681/primos-trigger-stick-tall-bipod-shooting-sticks-polymer-mossy-oak-break-up-camo


The Tall Bipod Trigger Stick from Primos is perfect for steadying your shots. The Trigger Stick is lightweight and height adjustable from 36-1/2" to 61" which is ideal for kneeling or standing shots. Using a gun rest while hunting or sighting in your hunting rifle will increase your accuracy and consistency, allowing you to make precise shots over longer distances. The Primos Trigger Stick will also work for spotting scopes, cameras or laser rangefinders.


Technical Information

2-piece bipod
Adjustable from 36-1/2" to 61"
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g: 0 Posted By: SummerSoFar
Views: 79 Replies: 0 Stolen from November 2013 Kiplinger's mag. May be of interest to some here.
----
http://www.kiplinger.com/article/retirement/T051-C000-S002-free-...
----
Free Social Security Advice for U.S. Veterans
On November 11, our powerful online tool will create personalized financial strategies for U.S. veterans.

To celebrate Veterans Day, Kiplinger's Social Security Solutions will offer recommended claiming strategies free to all U.S. military veterans. "The goal," explains Knight Kiplinger, editor in chief of Kiplinger's Personal Finance magazine, "is to help bolster the financial security of the men and women who have served to protect the security of our nation."

As the youngest Vietnam-era vets approach Social Security decision time, it's important that they understand that when they claim benefits will affect how much they and their spousesif they are marriedwill receive from the program over their lifetime. You may claim benefits as early as age 62 or as late as age 70, and the timing can profoundly affect your monthly payment. If you are due $1,500 a month at full retirement age (currently 66), for example, you would get $1,125 a month if you claim benefits at age 62 but $1,980 monthly if you delay your claim until age 70.

Research by William Meyer, founder of Social Security Solutions, and William Reichenstein, a professor of finance at Baylor University, shows that for a single person who dies at age 80, it makes little difference whether he or she claims Social Security benefits at age 62, age 70 or any age in between. In any case, that person would receive similar total benefits over his or her lifetime. But for anyone who lives past age 80, waiting until age 70 to claim benefits will likely pay off in increased lifetime payments. The timing decision is especially complicated, and potentially far more rewarding, for married couples because some strategies offer opportunities to increase lifetime benefits significantly.

Meyer and Reichenstein have created a software tool that crunches the numbers to create a strategy, based on life-expectancy projections, that will deliver maximum benefits. That's the tool vets can use on November 11. The free-for-a-day program is sponsored by Wells Fargo as part of the bank's efforts to serve members of the military. "Choosing when to take your Social Security benefits is one of the most important financial decisions of your life," notes Karen Wimbish, director of retail retirement at Wells Fargo.

Maximize your benefits. To illustrate the potential rewards of using the tool, Meyer cites the results of an educational program offered to a group of Iowa residents last summer. "The recommended claiming strategies could add an average of more than $170,000 to the lifetime benefits of those who used the tool," Meyer reports. Estimated lifetime benefits were projected to be $27,000 to as much as $305,000 more than the amount recipients would likely collect by simply claiming benefits as soon as possible, at age 62. "We want to make sure veterans don't leave money on the table by making a silly mistake," Meyer says. "Maximizing Social Security and coordinating those benefits with military retirement pay can provide for a much richer retirement."

The tool will be free for veterans from 12:01 a.m. eastern time until midnight Hawaii-Aleutian time on November 11 at http://www.socialsecurityforveterans.com/. To get a personalized claiming strategy in a downloadable report, you'll need to input your "primary insurance amount" (PIA), which is the estimated monthly Social Security benefit you are due at your full retirement age. (You will not be asked for your Social Security number.) If you are age 60 or older, you should receive a statement from the government each year showing your PIA. Otherwise, you can get your benefits statement by visiting http://www.ssa.gov/mystatement and creating a "My Social Security" account.

Nonveterans may purchase personalized claiming strategies at http://kiplinger.socialsecuritysolutions.com/.
Personal Finance Deals
Travel Trac Fluid Trainer $124.99 FS to store @ performance bike
Added on : Sunday October 06th 2013 05:00:05 AM
g: 0 Posted By: tedhawkins
Views: 94 Replies: 0 Travel Trac Fluid Trainer $124.99 FS to store @ performance bike

http://www.performancebike.com/bikes/Product_10052_10551_1094973...

Oversized Item: Shipping Surcharge

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Sports & Outdoors Deals

Performance Bicycle Coupons
g: 0 Posted By: SweetClover
Views: 139 Replies: 1 Take the the survey locatedhere At the end you will be told whether you are getting the sample, but you don't know what until it arrives at your door. Those who don't qualify will get a coupon, but most have been reporting a sample. To increase your chances for a sample, check mostly the "Strongly Agree" and "Agree" boxes.

This was previously posted in this thread, but this is a new offer.
John Frieda US said: Looking for a little pick-me-up to brighten your day? Click here: https://johnfrieda.safeprocessing.com/survey.aspx to get a free sample of John Frieda products! *Quantity limited, offer good while supplies last.


While the offer was posted on FB, it doesn't appear that you must have FB, the link goes to their website, not a FB app.
Health & Beauty Deals
Amex BCP and authorized user
Added on : Friday October 04th 2013 11:00:09 AM
g: 0 Posted By: groundhog
Views: 21 Replies: 1 I just opened Amex BCP card and I am quite disappointed by low cap for 6% (only $6k per year).
If I add an authorized user - will it increase this cap so that we have $12k together or not?
Anybody tried?
Help me choose best investment option for my kid's education
Added on : Friday October 04th 2013 09:00:09 AM
g: 0 Posted By: valvo23
Views: 89 Replies: 0 Hello. I have 2 kids, currently 3yrs and 1 yr old. We are 36. I've done pretty well so far saving for my wife's and I retirement and now looking to get a better grip on our kid's college fund. Our goal is to save somewhere in the 150 - 200K range total to give the kids. I know that won't cover it all but it would be a good start. We expect to increase the investment amt in future yrs. but let's assume we don't. I currently have a NY 529 account setup for each child that last yr. returned~ 17% RoR. I don't fund these accounts that well at this point. In 20 yrs, this would have around 30K - 40 K in it.
We met with my brother-in-law who works for NE Financial on options. This is 3 he suggested all assuming a rate of 8% interest and paying $300/mo

#1 - Open a variable life insurance policy.Each of use would open a $100K policy. He assumes after 20yrs it would result in about 123K in cash value plus theaddtl life insurance should something were to happen to 1 of us. We already have term life insurance on each of us. This would put us at around 150K for their education. (this option + personal 529)

#2. - Open a Roth IRA in 1 of our names. We could pull out what what's put in w/o penalty which would be 72K in 20 yrs for theiruse and then have around 70K in earnings in the Roth. This would put us at around $105K for their education. (this option + personal 529)

#3 - Open a professionally managed 529 for each kid. After 20yrs, have around $148K in 529.Per B-I-L, thistype of fund is not sheltered when looking for aid so it would beworth at about132K with his figures.This would put us at around $162K for their education. (this option + personal 529)


Which of these would you suggest? I'm not fond of option #1but won't throw it out until I hear others opinions. I'm leaning towards #2. That way if the kids don't go to college, don't need all the funds, etcthe money can be redistributedelsewhere. For #3, is there any advantage w/ having them managea 529 versus mejust sticking with the personal 529s already created?
Any other options that we should look at besides these 3?
Investing Deals
How do you find investors for your product/idea?
Added on : Friday October 04th 2013 07:00:20 AM
g: 0 Posted By: suezyque
Views: 63 Replies: 3 I've not been here in a long time due to the overwhelming success of both of my new businesses. Many of you may remember a post I made several months ago asking about How to bring a product to market. The jewelry tool my father invented has taken off like none of us could have ever imagined. We've sold them all over the US and Canada and several other countries. At the current trend gross sales will top out over 100 K in our first fiscal year. My father at the age of 83 can't keep up with the demand. We sell them as fast as he can make them. I've started the patent process and we are also having part of the tool made by a family member who owns a manufacturing company. He's so terribly busy with his own orders that it's kind of a burden to ask him for continued help with parts manufacturing.

I'd like to have all the parts manufactured by an outside company with assembly and packaging/shipping to be continued on our end for the time being. I have to admit I feel like I am in over my head on several levels. First off, we never dreamed the sales would amount to this much. We figured it would be a few bucks in my Dad's pocket. I need an accountant for sure. Second, my parents talk like they'd like to keep this thing small and manageable, but my vision is far greater. I want to see it reach it's full potential. I've done all the marketing/advertising myself on the internet. Originally we sold them on eBay, Etsy and Amazon, but I eventually pulled them from those sites and you can only buy the tool on our own website. I did that for 2 reasons. First to slow down the orders (orders only increased from that point on) and to not have to pay commissions to those sites. Other than commissions and website fees, I've never paid a dime for marketing. It's been kept really small purposely so my Dad could keep up. If we were able to produce the amount needed to meet the demand I would like a larger marketing campaign.

All of this stuff takes money. I don't want to take money out of my father's pocket. I personally take none of the profit, it all goes to him. From the beginning I wanted my parents to benefit fully from his invention. His take is 80% of the product price. The other 20% goes for expenses of running my end of the business (shipping, gas, website fees, CC processing fees, etc).

I think an investor would be a way for us to reach this full potential. The money would go for manufacturing and marketing. How do little start ups find investors? Am I barking up the wrong tree, should I be looking at doing this differently? If we do go with a manufacturer, what prevents them from knocking off our idea and selling it themselves? Even with a patent, just a small change to the design and it's gone from our hands. Should we stay small and keep trying to do it ourselves? My father's health isn't the greatest and he's feeling very overwhelmed by the work load. Geeze, at 83 he shouldn't have to bust his butt. This invention gave him back the will to live. All he talked about before this happened was how he wanted to die and get it over with already. He hasn't spoken like that since. NOW, the thing that gave him life again is starting to suck it right outta him. Even if we do keep this to ourselves, he will eventually either die or his health will prevent his participation any longer. I don't want to see this wonderful dream die. I want this to be my father's legacy.

Discussion Deals
How much does your Employer provide to your HSA?
Added on : Friday October 04th 2013 06:00:07 AM
g: 1 Posted By: trekwars2000
Views: 56 Replies: 3 In the past we have had 2 PPO style and 1 HDHP style plan. I just got an email that my employer is now going to start depositing money into employee HSAsand also, next year we are only going to have 1 PPO style and 2 HDHP plans. We will find out how kmuch we are getting at the end of the month. I have always contributed the max to my HSA so this will allow me to switch whatever extra straight to my 401k. I'm hoping that there isn't going to be a cooresponding increase in premimum due to this (i.e. my costs goes from $50 to $150 per month and we get $100 into our HSA). As I wait, I'm just curious, if your employees provides a contribution to your HSA and if so how much.
General Economics Deals
Maximizing Obamacare ACA Insurance Exchange Subsidies
Added on : Thursday October 03rd 2013 11:00:04 PM
g: 0 Posted By: calwatch
Views: 91 Replies: 0 With the new Affordable Care Act (Obamacare) in place, tax planning is even more Crucial than ever because of the subsidies provided to buy health insurance on an ACA exchange. Through some income shifting, and estimation, on can take advantage of some of the loopholes in the law and gain health insurance at little cost. Conversely, there are many sub-poverty individuals who cannot qualify for Medicaid expansion since their state didn't sign up, but through a back door way can still get affordable insurance simply by making large estimated tax payments to a state or projecting future income above the poverty line. For those near the poverty line in a Medicaid expansion state, paying attention to the deadlines can avoid having to cycle back and forth between private insurance and the Medicaid system, which generally offers far less choice than most exchange plans.

All income referenced to is MAGI (which is AGI plus nontaxable Social Security, tax exempt interest, and foreign earned income). Regulations on premium tax credit (with examples)

Making too much money

If you think the phaseout for the tuition and fees credit or earned income tax credit is abrupt, the ACA phaseout is even more so. At 400% Federal Poverty Limit (FPL) the subsidy is completely eliminated and there is no cap on repayment amount.

So if you are trying to get income below 400% FPL in order to qualify you need to make sure that you'll hit that. The only way to adjust MAGI after December 31 is through deductible IRA/HSA contributions but traditional IRA deductions phase out for single/HOH AGI over ~$60k or MFJ over ~$100k. Since 400% FPL is $62k for a 2 person household and $110k for a 5 person household this quickly becomes nonviable. To qualify for HSA you have to use an HDHP - I have heard of some exchanges with HSA compatible Bronze plans in Obamacare, but you have to be eligible for HSA prior to December 1 of the tax year. So you have to reduce income below 12/31 which means the usual - contribute max to 401ks, 457s, and 403bs, tax loss harvest to get the $3000 capital loss deduction, and advance business expenses. This also makes income spiking a better deal - if you know you aren't going to qualify for the subsidy, then you could opt to spike income by taking bonuses/income or deferring expenses one year to stay far above 400% FPL, while managing expenses and deductions to remain below 400% FPL other years. Also since recoveries like state income tax refund is treated above the line it is important to manage those so that they don't send someone intentionally above 400% FPL.

The same considerations are at the break point at 133% FPL, where there is a 2% MAGI to 3% MAGI jump.

One interesting loophole in the regulations is the maximum recapture limit on the credit, which can have interesting impacts depending on how you estimate your income. Lower income means more subsidies AND access to special Silver plans that have reduced cost sharing. So for instance a single 60 year old declaring $20,000 in annual income (175% FPL) in LA County gets a $470 monthly subsidy for a "Silver 87" plan with a $2250 out of pocket cap. At the end of the year, they really had a $45,000 MAGI (390% FPL). Normally a $45,000 MAGI qualifies for a "Silver 70" plan with a $6350 OOP cap and a $199 monthly subsidy. Now let's say they got the subsidy for 12 months. The maximum recapture limitation (regulations 1.36B-4-a-3) is $1,250 for the year. But the actual "unearned" subsidy for the year is $3,252, and this for a better plan with a $4100 lower out of pocket cap. Thus, $2,002 (the unearned subsidy above $1,250) is now written off, and up to $4,100 in OOP are never incurred. Just make sure you stay below 400% FPL or else you will have to pay the whole subsidy back (although presumably not the out of pocket cost).

Generally, due to time value of money, if you can afford to repay the credit should you estimate wrong, you should do so, since those credits only need to be repaid April 15 after the year that you receive the advance credits. I can't tell if you have to pay estimated tax penalty on advance credit repayments, but most people should avoid them anyway due to the 100% of prior year tax safe harbor rule.

There are better articles that go into the farce of the "estimation" process for ACA subsidies. Still, even without fraud, one could have honest reasons not to report changes in income - perhaps the job is temporary or unstable and you want to wait until it is stable before reporting the change in income. Regardless, you take advantage of the recapture cap.

For those who want to take advantage of the subsidy this makes the usual advice to do Traditional to Roth conversions in low income periods questionable as Roth conversions are in MAGI. While this may not be an issue for higher income or younger people (a 30 or 40 year old making 390% FPL gets no subsidy anyway in CA since the Silver plan is deemed affordable as a share of MAGI), that 40 year old making $20,000 in odd jobs and unemployment gained $2,112 in subsidy. Is it worth it to convert $25,000 in the 401k to Roth to fill the 15% tax bracket (the normal advice), and lose that $2,112, which is in effect another 8% tax on the conversion?

Making too little money

First, for states without Medicaid expansion, for those below 100% FPL who can control their income, the obvious answer is to get more income. Sell and immediately rebuy winning investments to reset basis and create capital gains (which may also qualify for 0% LTCG), move tax inefficient investments to taxable, do 401k/Traditional IRA conversions, get a job, gamble and report your winnings honestly, sell things and report the income with zero basis on the items sold (since you have no documentation proving the acquisition cost), etc.

But what if you didn't have to do that?

From a Bogleheads thread (where I was admonished not to "game the system"):

My reading of the regulations states that, as long as you estimate at the time of enrollment that your MAGI is between 100% and 400% of FPL, that you are still eligible for subsidies, even though your actual income falls below 100% of FPL. This could happen, for instance, if one lost their job in the middle of the year, which takes them below 100% of FPL. Even if they had to pay back subsidies, an additional provision in regulations limits that to $300 for singles, and $600 for other taxpayers.

1.36B2 Eligibility for premium taxcredit.

[...]
(b) Applicable taxpayer(1) Ingeneral. Except as otherwise providedin this paragraph (b), an applicabletaxpayer is a taxpayer whose householdincome is at least 100 percent but notmore than 400 percent of the Federalpoverty line for the taxpayers familysize for the taxable year.
[...]
(6) Special rule for taxpayers withhousehold income below 100 percent ofthe Federal poverty line for the taxableyear. A taxpayer (other than a taxpayerdescribed in paragraph (b)(5) of thissection) whose household income for ataxable year is less than 100 percent ofthe Federal poverty line for thetaxpayers family size is treated as anapplicable taxpayer if
(i) The taxpayer or a family memberenrolls in a qualified health planthrough an Exchange;
(ii) An Exchange estimates at the timeof enrollment that the taxpayershousehold income will be between 100and 400 percent of the Federal povertyline for the taxable year;
(iii) Advance credit payments areauthorized and paid for one or moremonths during the taxable year; and
(iv) The taxpayer would be anapplicable taxpayer if the taxpayershousehold income for the taxable yearwas between 100 and 400 percent of theFederal poverty line for the taxpayersfamily size.

(7) Computation of premiumassistance amounts for taxpayers withhousehold income below 100 percent ofthe Federal poverty line. If a taxpayer istreated as an applicable taxpayer underparagraph (b)(5) or (b)(6) of this section,the taxpayers actual household incomefor the taxable year is used to computethe premium assistance amounts under 1.36B3(d).

1.36B3 Computing the premiumassistance credit amount.

[...]
(d) Premium assistance amount. Thepremium assistance amount for acoverage month is the lesser of
(1) The premiums for the month forone or more qualified health plans inwhich a taxpayer or a member of thetaxpayers family enrolls; or
(2) The excess of the adjustedmonthly premium for the applicablebenchmark plan over 1/12 of theproduct of a taxpayers householdincome and the applicable percentage
for the taxable year.

That "applicable percentage" is defined in 1.36B-3(g) and is 2.0% of household income (MAGI) for those under 200% of FPL.

Also, for those making under 400%, a "repayment" clause applies further limiting the actual tax subsidy repayment for those under 200% FPL to $300 for singles, $600 for all other taxpayers.

1.36B4 Reconciling the premium taxcredit with advance credit payments.
(a) Reconciliation
(1) Coordinationof premium tax credit with advance
credit payments
(i) In general. Ataxpayer must reconcile the amount ofcredit allowed under section 36B withadvance credit payments on thetaxpayers income tax return for ataxable year. A taxpayer whosepremium tax credit for the taxable yearexceeds the taxpayers advance creditpayments may receive the excess as anincome tax refund. A taxpayer whoseadvance credit payments for the taxableyear exceed the taxpayers premium taxcredit owes the excess as an additionalincome tax liability.

(3) Limitation on additional tax(i)In general. The additional tax imposedunder paragraph (a)(1) of this section ona taxpayer whose household income isless than 400 percent of the Federalpoverty line is limited to the amountsprovided in the table in paragraph(a)(3)(ii) of this section (or successortables). For taxable years beginning afterDecember 31, 2014, the limitationamounts may be adjusted in publishedguidance, see 601.601(d)(2) of thischapter, to reflect changes in theconsumer price index.

This refers to a table which shows the maximum subsidy repayment for single taxpayers ("determined under section 1(c)") with MAGI under 200% FPL at $300, or $600 for other taxpayers.

So for sub poverty level in non-Medicaid expansion states the answer is clear - be more optimistic in declaring income. Note that the exchanges do check reduction in income (to qualify for more subsidy) but don't check increase in income (and, even if this were the case, one paycheck from a seasonal job can be extrapolated for the year). For the super honest, Bogleheads had an interesting tactic of prepaying state estimated tax in the previous year and itemizing (taking care to pay more than the standard deduction normally received), and then receiving the entire state tax refund as income, thus generating enough MAGI to go above 100% FPL. An alternative way is to declare cash income from self employment, as described in this great Forbes article (which includes other loopholes and outright frauds).

Unfortunately, this will help dull some of the movement complaining about the "donut hole" in coveragesince some advocacy groups are already publicly encouraging people to be optimistic.

In Medicaid expansion states, there will be those at the low end that want to avoid Medicaid, since the exchanges may offer more choice. Unfortunately premium credits are not available to those who are eligible for Medicaid (called "government sponsored minimum essential coverage"). Therefore, people will cycle in and out of Medicaid and the exchange depending on income. But, there is a minimum three months grace period to application date, never mind actual receipt of Medicaid. Even if you were ultimately ineligible you are still subject to the subsidy recapture cap.

Under the final regulations,an individual who fails to complete therequirements necessary to receivebenefits available under a government sponsoredprogram by the last day of thethird full calendar month following theevent that establishes eligibility istreated as eligible for the coverage onthe first day of the fourth calendarmonth. Because an individual whotimely completes the necessaryrequirements is treated as eligible forgovernment-sponsored minimumessential coverage no earlier than thefirst month that the individual mayreceive benefits, this 3-month timeperiod does not include the time neededfor a government agency to process anapplication.

See also Example 6 under 1.36B-4. Although it uses employer coverage as an example, it calculates how much needs to be repaid and states that it is subject to the cap. So if you are below 133% of FPL in a Medicaid eligible state, then file the paperwork on the last day of the third month after you become eligible for Medicaid. (But how do you know you are eligible if you can control your income at will? That would be based on the Medicaid regulations for eligibility.)This also works great for people who originally qualify for the exchange but then work for an employer with unaffordable or undesirable coverage, but coverage that still meets Obamacare's minimum requirements. An example would be an unemployed person who has exchange insurance but then gets a job which only offers a Obamacare-qualified captive HMO as its coverage option. They don't want to switch doctors, but they never notify the exchange of their employment. They are subject to the annual recapture cap, at least until the exchange recertifies (at which point the person would then perjuring themselves by signing the certification that they have no qualified coverage).

The married filing separately vs. jointly calculations are even more interesting but that is an exercise left to the reader.





Discussion Deals
g: 0 Posted By: tedhawkins
Views: 257 Replies: 0 Vortex Viper 15-45x65 Spotting Scope (Available in Angled & Straight) $357.98 Shipped

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Guns & Ammo Deals
Loan to Liquor/Beer store
Added on : Thursday October 03rd 2013 04:00:11 AM
g: 0 Posted By: zimma13
Views: 211 Replies: 9 I know someone who owns 2 liquor/beer stores outright and 50% of a third store (no loans, mostly cash business). He is buying a 4th store. I can loan him $20,000 at 25% for 1 year secured by one of the existing stores (not the new one). Written up in a contract and paid in cash each month (no taxes). If we mutually agree, the loan can keep rolling in yearly increments. He lives in my neighborhood. I sometimes get free beer already.

1. Would you do it?
2. Anything I should look out for to include in the contract to protect myself?
3. He only wants a loan, not for me to own a % of the store. Note I will do nothing but lend the money. He is the one that does all the work.

The alternative is that I buy a rental property which won't have as good of a cash return (once rented)but is secured by real estate andI hope the value increases. This is in Florida so $20k can nearly be 20% down on a house.

Personal Finance Deals
Affordable Care Act penalty-tax avoidance
Added on : Tuesday October 01st 2013 08:00:12 AM
g: -1 Posted By: okwiater
Views: 225 Replies: 15 There are some other threads already about the Affordable Care Act (aka ObamaCare) specifically as it relates to healthcare premiums. However, the purpose of this thread is toexclusivelydiscuss strategies and considerations for avoidance of the penalty-tax that will be imposed for not complying with the new law. As someone who is facing monthly insurance premium increases from $483/month to over $1,200/month and a deductible increase from $5,000/year to $12,700/year, I am seriously considering not enrolling in a qualified health plan (QHP), incurring the penalty-tax, and simply managing my withholdings so as not to ever pay it.

My understanding is that the IRS's enforcement options are limited, as they can only withhold any amounts owed from future refunds. However, as we all know, refunds from the IRS are something we should be working to minimize or avoid altogether since they are essentially an interest-free loan to the government. Because of this, I am of the mindset that a diligent taxpayer could avoid the new mandate altogether by simply paying extra attention to the level of withholdings, and employing certain tax-generating strategies in the event that the taxpayer is over-withheld at the end of the year.

The strategy under consideration:

1. Manage my withholdings so that they barely exceed 90% of the total tax owed, so as to avoid any penalty for under-withholding. I will owe a check to the IRS at the end of the year.
2. In case I find myself with a larger-than-expected balance due, convert traditional 401(k) and IRA balancesto Roth, generating taxes that cancel out the balance.
3. Carefully monitor legislation that may affect IRS withholding options.

This strategy comes with risks, of course. For example, there is no way of knowing whether or not the penalty-taxes incurred during each year will ever be waived at some point in the future. It's also possible that the IRS will at some point in the future be granted increased powers to collect ACA-related balances due, perhaps even through liens or asset seizures. These powers may even be granted retroactively to any accumulated balances due. There may also be other implications, such as whether these balances would appear on a credit report or whether they need to be reported as a serious delinquency on job applications or other government forms.

Any feedback, thoughts, advice, or other considerations?
General Economics Deals
g: 1 Posted By: brokedude
Views: 487 Replies: 0 Came via email.

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Flight Deals Deals

JetBlue Coupons
g: 0 Posted By: scottxmso
Views: 131 Replies: 0 I have a credit card with CapitalOne, which was recently converted from a HSBC/Orchard Bank card. Although Orchard Bank mostly catered to subprime customers (low CLs, high fees, etc), I had a no annual fee card with 2% CashBack. I used the card pretty regularly because of the 2% CashBack rate, which CapOne recently reduced to 1.5%.

Anyway, Orchard was really conservative about credit line increases. I've had the card since 2007 and my CL has risen to $1500 over time from my original $500 CL, whereas I have several other cards with $5000+ CLs up to $14000 (including another CapitalOne card). My account was in good standing, regularly used the card, always paid the bills, and so on. I think the Orchard cards like mine that had no annual fees and 2% CashBack were mostly offered to customers with relatively decent credit, whereas the high-risk customers had to pay a fee to open the account and an annual fee. When CapitalOne was converting the accounts, I was hoping that it would be easier to get a CL. Tried once a little while after getting my new card, but this was rejected because supposedly they weren't doing CLs during the HSBC->CapOne transition.

Then I decided to try again a couple days ago, and put in a CLI request. Unfortunately, they rejected the request again; the letter states the reason it was declined was: "Credit line increases are not available upon request for this type of account". Has anyone else encountered this issue? What "type of account" is not eligible for CLI? Could it be something to do with it being a former Orchard account? I could see them labeling every account in the Orchard Bank portfolio as "subprime", and therefore being highly conservative with CLIs on these accounts.

Has anyone else had this issue with CapitalOne, especially with former HSBC cards? Is there a way to get CapitalOne to change the "type of account" so it is eligible for CLI? And as I have another CapitalOne card with $7000 CL, might it be possible to transfer CL from that card to the former Orchard card with $1500 CL currently?

Thanks!
Credit Deals
g: 1 Posted By: locodmd
Views: 244 Replies: 2 Details

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Guns & Ammo Deals
Women's REI Flash 65 Pack @ REI - $105.73 with FS
Added on : Friday September 27th 2013 03:00:06 AM
g: 1 Posted By: depletedwallet
Views: 103 Replies: 0 Women's REI Flash 65 Pack @ REI for $105.73 (originally $169). Although it is for "womens", it is grey and grey with light green accents, I think it would be OK for men to use.

Linky

The REI Flash 65 women's pack sports a balanced mix of light weight, comfortable suspension and versatile features to keep you trail ready.

Removable framesheet, stays and top lid let you create a minimalist configuration for incredible weight savings
Minimalist configuration weighs a scant 2 lbs.
Precurved hipbelt is designed specifically to fit a woman's contours; it cradles the hips for a natural fit and evenly distributes load weight without sagging
Hipbelt webbing system allows you to use a natural forward pulling motion for quick, easy cinching and precise adjustment
Hipbelt has a zippered pocket for on-the-go access to essentials such as snacks and lip balm; lash points on the other side let you attach a camera bag or GPS pouch
Precurved, dual-density padded shoulder straps match your anatomy for nonbinding comfort and stability
Back panel features mesh-covered, perforated foam for breathability and a fixed suspension system for low weight and easy use
Twin aluminum tubular stays and a precurved, perforated HDPE framesheet maximize structure and minimize weight
Under the lid, an over-the-top compression strap pulls the load in close to your back and provides a place for lashing on climbing ropes or other bulky items
=12.0ptOver-the-top compression strap has a thin storage pocket to stash a few small essentials; includes a key clip and a rip-and-stick? closure to secure cash and ID
Deep, catch-all front pocket keeps large, often-used items within easy reach
2 mesh pockets on each side hold water bottles and other stowables
Water-resistant zippers on top and front pockets and a rip-and-stick? closure on the pocket underneath the lid allow you to safely store valuables away from the elements
Multiple lash points on the top pocket and front of pack provide attachment points to carry additional gear
Quick-release bottom straps accommodate a sleeping pad; side compression straps secure both large and small loads for increased stability
Hydration sleeve and hanging clips hold a variety of reservoirs (not included); dual exit ports allow you to route a drinking tube over either shoulder
Simple, lightweight tool attachment points let you quickly lash trekking poles, ice axes or other tools to the pack
Sew-free construction on lash points reduces weight without sacrificing strength
140-denier? ripstop nylon construction increases durability without adding weight; polyurethane coating adds weather resistance

Camping Deals

REI Coupons
Would this alimony plan be fair?
Added on : Thursday September 26th 2013 05:00:09 PM
g: 0 Posted By: BrightSunshine
Views: 0 Replies: 0 A person's future earning potential is an asset like a house or car. The market capitalization of a publicly traded company is the predicted value of all of its future earnings.

Appreciation of premarital asset is considered marital property and split in half upon divorce.

So in principle, if you had a salary before marriage, the increase in future earnings based on the increase in salary since marriage should be split in half.

E.g. you made 40k. Gets married, spouse stays home and handle the housework and childcare so you can concentrate on work. You get promoted. Divorce 10 years later, when you're making 60k. Your earning potential has appreciated by 20k per year (due to all sorts of reasons, but like the appreciation on a house, it's all considered marital property). Would 10k alimony for a period of time be fair?

Another example: 40k/20k premarriage, 60k/30k at divorce? 5k alimony for a period of time.

Add inflation adjustment before calculating salary increase if desired. Some good things about this plan are that it shares the risks and rewards, and also tends to award more alimony for longer marriages. It's gender neutral. Can be applied to dual earner as well as single earner couples. We can put a cap on it (e.g. maximum alimony = 25% of payer's current income).

If you agree with the premise, what should the period of time be? If not, why not?

If this is the law in your state, will it affect your decisions to marry or the choice of spouse or choice of you/your spouse staying home?
CHASE: To offer credit limit increase w/o hard pull (TARGETED)
Added on : Monday September 23rd 2013 06:00:05 PM
g: 1 Posted By: ucb11
Views: 179 Replies: 0 I wanted to increase my limit on my Sapphire Preferred card and was talking about my banker friend about it and was told to wait. Supposedly, beginning in October, select Chase credit card holders will be offered the option to increase their credit limits with NO hard credit pull.I'm not sure how targeted it is or the criteria but it is supposedly going to be offered via US MAIL and ONLINE while logged into chase.com.

So if you are contemplating on increasing your limit and don't need it right away, maybe wait a couple weeks to see if you are offered the option to do so - I am. Until then, this forum can act as a placeholder and/or to collect data points on who gets offered and who doesn't.
Credit Deals
Southwest Point Devaluation
Added on : Monday September 23rd 2013 02:00:11 PM
g: 0 Posted By: makinbutter
Views: 48 Replies: 0 Probably has been reported elsewhere, but I didn't find it immediately available.

Here's the email I just received:
SW email said: Dear MB: We want to inform you of an upcoming change to the Rapid Rewards Program that will affect the number of points needed for reward travel. Wanna Get Away reward flight bookings made on or after March 31, 2014 will require 70 points per dollar. This is an increase from the 60 points per dollar currently required. Anytime and Business Select reward flight redemption rates, as well as the points per dollar you earn when flying, will remain the same as they are today. Rest assured, Rapid Rewards will continue to provide industry-leading benefits that you enjoy todayincluding unlimited reward seats, no blackout dates, and points that don't expire*. We hope you understand that in order to continue providing these benefits, we must make changes to the Rapid Rewards Program from time to time. Thank you for your continued loyalty, and for more information about redeeming points, please visit southwest.com/redeem. Sincerely, Southwest



Personal Finance Deals
g: 1 Posted By: remick
Views: 149 Replies: 0 http://www.amazon.com/dp/B00968FOTO

These 4 extraordinary eBooks offer you an unprecedented toolset for persuading, influencing, inspiring, and motivating everyone around you. In How to Argue: Powerfully, Persuasively, Positively, Oxford's Jonathan Herring teaches you how to calmly and confidently persuade in any environment -- free of fear, confusion, and intimidation. You'll earn practical skills that make some people so articulate and compelling how to handle difficult people and heated situations how to make your point more powerfully than ever before. Next, in The Personal Credibility Factor: How to Get It, Keep It, and Get It Back (If You've Lost It), renowned personal coachSandy Allgeier shows how to systematically build your personal credibility -- the #1 attribute in earning trust and success. Allgeier's hands-on assessment tool will help you bring more authenticity and transparency to your interactions, and her practical guidance on listening will help you earn others' trust even if you ultimately choose to disagree. Allgeier concludes with seven specific steps you can take every day to increase personal credibility, and rebuild credibility you've already lost. Then, in How to Get What You Want...Without Having to Ask, best-selling author Richard Templar offers up 100 clever, simple, pain-free ways to get people to happily say "yes" to you. You'll discover bite-size techniques for getting what you want without saying a word and when you do still have to ask, you'll find the techniques and words that'll get the job done. Finally, in Making Sense of People: Decoding the Mysteries of Personality, renowned psychiatrist and neuroscientist Samuel Barondes shares practical tools for understanding what individuals are really like -- and how they got that way. He offers a complete system for assessing each person's traits, character, and sense of identity, integrating those elements into a unified picture, and using it to be more effective in every area of your life. Learn how to supplement your intuition to choose more satisfying relationships, recognize telltale signs of dysfunction and danger, and savor the complexity and uniqueness of everyone you meet!

From world-renowned experts in personal coaching, human motivation, and psychology Jonathan Herring, Sandy Allgeier, Richard Templar, and Samuel Barondes
Books Deals

Amazon Coupons
Options Trading and Ways to Improve Cash Flow Help
Added on : Sunday September 22nd 2013 04:00:07 AM
g: 0 Posted By: Dlauth
Views: 119 Replies: 0 Current financial position:
All my expenses in order
No debt
Year worth of savings/backup fund
Invest in the full matching amount of my 401k
Put max amount into Roth IRA every year(mostly in SLW)
Have a nice stack of phyzz silver on hand
Invest in crypto currencies

What Im really looking for now is ways to improve cashflow.
Ive thought about real estate, but currently do not have the capital for a downpayment, repairs etc..... I may go this route once I have enough capital built up though.
So ive thought about selling/buying options and would like for clarification on if this is a good idea.

I currently have 150 shares of SLW that I would use for covered calls, but still would like to add to those shares every year. I dont want to do any naked/margin options since this is a good way to get into trouble.

Questions:
1. One would only sell options when they think the stock is not going to go up anymore correct?
2. Selling options instead of the security is beneficial if you want to keep the security for the long haul correct?
3. What are the downsides/benefits of selling options vs. buying puts at the peak of the securities price?
4. Would it be more beneficial to buy the security outright or buy a call on the security when the stock is oversold?
5. If you bought an option to buy/sell the underlying stock, would it be better to exercise the option or sell the option?

Thank you for your time in advance!
Any other advice on cash flow increases?













Personal Finance Deals
Options Trading Help
Added on : Sunday September 22nd 2013 03:00:06 AM
g: 0 Posted By: Dlauth
Views: 0 Replies: 0 I have all my expenses in order, have a year worth of savings/backup fund, invest in the full matching amount of my 401k, put max amount into Roth IRA every year and have a nice stack of phyzz silver on hand and also invest in cryptocurrencies.

What Im really looking for now is ways to improve cashflow.
Ive thought about real estate but currently do not have the capital for a downpayment, repairs etc.....
So ive thought about selling/buying options and would like for clarification on if this is a good idea.

I currently have 150 shares of SLW that I would use for covered calls. I dont want to do any naked/margin options since this is a good way to get into trouble.

Questions:
One would only sell options when they think the stock is not going to go up anymore correct?
What are the downsides/benefits of selling options or buying puts at the peak of the securities price?
Would it be more beneficial to buy the security outright or buy a call on the security?
If you bought an option to buy/sell the underlying stock, would it be better to exercise the option or sell the option?

Thank you for your time in advance!
Any other advice on cash flow increases?












Save 80% on Operation Flashpoint: Red River PC Game $9.99 at Microsoft
Added on : Sunday September 22nd 2013 02:00:03 AM
g: 0 Posted By: Ayla
Views: 93 Replies: 0 http://www.microsoftstore.com/store/msusa/en_US/pdp/Operation-Fl...



Was $49.99

Now $9.99

No Shipping


Blood and Gore, Strong Language Rating Reason, Violence Rating Reason

Between Afghanistan and China, the world's next flashpoint is about to erupt. The valleys, towns, and mountains of Tajikistan will become bloody frontlines for the might of the People's Liberation Army, insurgent guerilla fighters, and the United States Marine Corps.

You and your fireteam can make a difference. How much is up to you. It's not the soldier with the most expensive gun or the biggest heart who wins on the battlefield. It's the smartest. Semper Fi, Marine.

Get close to the experience of the US Marines on campaign with this tactical infantry shooter
Become immersed in an engrossing narrative which unfolds over three acts in campaign mode
Earn and spend XP on weapons, attachments, and abilities for each of the fireteam's specialists

Stand together with four-player drop-in/drop-out online co-op multiplayer in campaign mode and standalone Fire Team Engagements
Play as Grenadier, Scout, Rifleman, and Automatic Rifleman classes, each with unique strengths and weaknesses for increased replay value
Call in combat support such as mortars, howitzers, and Joint Direct Attack Munitions (JDAMs), while AH-1Z helicopters and A-10 ground attack aircraft provide close air support


~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~
Amazon HAS SOME THAT WILL COST LESS, BUT NOT MANY, SO I DID NOT LIST THE PRICE IN THE TITLE OF THIS POST
~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~


http://www.amazon.com/Operation-Flashpoint-Red-River-Pc/dp/B004P...



Price: $7.75 - (2 left at this price...but look at the note below)

Shipping $4.98


**Below the information of thie game on Amazon, it says there are 42 available new from $1.78+ shipping up...Be careful some end out costing $12+.
~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

Video Games Deals

Microsoft Store Coupons
g: 0 Posted By: tedhawkins
Views: 205 Replies: 0 Vortex StrikeFire Red Dot AR Scope and BRAVO COMPANY Charging Handle Bundle + Free shipping

http://www.gearhog.com/?did=66779

Deal Overview
VORTEX StrikeFire Red Dot Sight, Flat Top AR15, Red/Green Dot Reticle (SFRD-AR15)

BRAVO COMPANY Charging Handle, 5.56mm /223, Mod4, Black (GUNFIGHTER4)

Vortex Description: When the situation demands fast shooting, a big scope with a narrow field of view just won't cut it. Enter the VORTEX StrikeFire Red Dot Sight, Flat Top AR15, Red/Green Dot Reticle (SFRD-AR15) and shoot with both eyes open.

The StrikeFire sight features fully multi-coated lenses that increase light transmission with multiple anti-reflective coatings on all air-to-glass surfaces. With unlimited field of view and eye relief, nothing gets you on target faster than this tough, compact little red dot scope.

Chargine Handle: In the BRAVO COMPANY Charging Handle, 5.56mm /223, Mod4, Black (GUNFIGHTER4) the tiny roll pin found in traditional charging handles is no longer a weak point. The BCMGunfighter features a stronger tactical latch system that will stay intact even under repeated support side only manipulation.

With the force kept inside the body of the handle, when the handle is pulled directly to the rear, it moves directly to the rear and does not angle off to the outboard side, resulting in a much smoother operation.

The BCMGunfighter machined from 7075 T6 billet and was tested to meet the unforgiving needs of law enforcement and military professionals in some of the most high stress environments and situations in the world.
Sports & Outdoors Deals
g: 0 Posted By: noshop
Views: 235 Replies: 0 Nintendo Wii Blast from the Past System Bundleby GameStop
Preowned console with 6 games (assume also pre-owned)

Not bad for what it is!


$79.99 + Shipping ($5)
Disney Epic Mickey
Disney Epic Mickey is an action-adventure platforming game for the Wii console that sends Mickey Mouse on an epic journey of creativity and discovery. As Mickey, the player is propelled into Wasteland, an alternate world made up of Disney's forgotten creative efforts, and is given the power to wield paint and paint thinner to dynamically change the world while determining Mickey's path to becoming an epic hero. Through the use of this unique paint and paint thinner, the key components of animation and Mickey's tools for impacting his world, players will have the ability to shape how the story unfolds as they discover the concept of "Playstyle Matters" - an innovative style of gameplay created by Disney Interactive Studios' Junction Point, led by industry luminary Warren Spector, where players creatively tackle different challenges in the world to explore all the possibilities and storylines - but with consequences for their chosen actions.

Wii Sports
Wii Sports offers five distinct sports experiences, each using the Wii Remote to provide a natural, intuitive and realistic feel. Players can use their own Mii caricatures in the game and play them against their friends' Miis for a more personalized experience. As players improve, their Miis' skill levels will increase, so that they can see exactly how much better they've become.

LEGO Star Wars: The Complete Saga
Building on the success of both LEGO Star Wars videogames, LEGO Star Wars: The Complete Saga enables families to play through the events of all six Star Wars movies in one videogame for the first time ever. From the Trade Federation's "negotiations" with Obi-Wan Kenobi and Qui-Gon Jinn in The Phantom Menace to the space battle above Endor in Return of the Jedi, The Complete Saga allows players to kick some brick through dozens of Story Mode levels.

Nerf N-Strike
The Search for the N-St rike El i te Begins. . . Through the din of a popular arcade, one player has emerged as the best N-Strike gamer his friends have ever seen. But even as Shane smashes through the game's record, something far more mysterious is happening: his success is being tracked and recorded. Shane is the perfect candidate for an ultra-exclusive invitation to become an N-Strike Elite. Later that night, he's awakened to find the Nomad C Series Recruitment bot hovering silently over his bed. "B.O.B." has a challenge for Shane. Join the quest to become an Elite Striker and he'll have access to Top Secret Blasters. It's all the incentive Shane needs, and as the one controlling Shane, it's your opportunity of a lifetime....

Star Wars: The Force Unleashed
12th Annual Interactive Achievement Awards Winner: Outstanding Achievement in Adapted Story The Star Wars saga continues in Star Wars: The Force Unleashed. You are Darth Vader's Secret Apprentice! The Dark Lord of the Sith himself has trained you to use a lightsaber and unleash the power of the Force, but now your destiny is your own. Will you join Vader as the next great Sith, or will you choose to defend peace and justice as a noble Jedi Knight? The expansive story, created under direction from George Lucas, is set during the largely unexplored era between Star Wars: Episode III Revenge of the Sith and Star Wars: Episode IV A New Hope.

Wii Play
Wii Play collects nine quick and addictive games that are easy to pick up and play and hard to put away. Thanks to the intuitive controls of the Wii Remote, even the most inexperienced gamers will have no trouble mastering the controls. Wii Play features nine seperate mini-games! Every game features a multiplayer mode, so you and your friends can compete for the high score or go head to head to see who's the best.
Pre-Owned Wii System Contains:

1 - Wii System.
1 - Wii Remote
1 - AC cable
1 - Standard AV cable
1 - Nunchuk and Sensor Bar



Nintendo Wii Blast from the Past System Bundle ‑ Wii
Wii Deals

GameStop Coupons
Viagra - Save Save up to 91% OFF at Help RX
Added on : Friday September 20th 2013 04:00:05 PM
g: -2 Posted By: Ayla
Views: 225 Replies: 2 http://www.helprx.info/search/viagra



UP TO:


Viagra 91% off

Viagra 100 Mg 75% off


SHIPPING: It will depend on what you order, IF there is a shipping.


Warnings:
~~~~~~~~~

Viagra is used for:
Treating high blood pressure in the lungs (pulmonary arterial hypertension [PAH]). It may also be used for other conditions as determined by your doctor. This medicine is a phosphodiesterase type 5 (PDE5) inhibitor. It works by relaxing and dilating the blood vessels in the lungs. This lowers the blood pressure in the lungs and helps to improve your ability to exercise.


Do NOT use Viagra if:
~~~~~~~~~~~~~~~~~~~~

- you are allergic to any ingredient in this medicine
- you have pulmonary veno-occlusive disease (PVOD)
- you are taking nitrates (eg, isosorbide, nitroglycerin) in any form (eg, tablet,
capsule, spray, patch, ointment), or nitroprusside
- you take another medicine that contains sildenafil, another PDE5 inhibitor (eg,
tadalafil, vardenafil), or ritonavir
- you use certain recreational drugs called "poppers" (eg, amyl nitrate or nitrite,
butyl nitrate or nitrite)
- Contact your doctor or health care provider right away if any of these apply to
you.


Before using Viagra:
~~~~~~~~~~~~~~~~~~~

- Some medical conditions may interact with this medicine. Tell your doctor or
pharmacist if you have any medical conditions, especially if any of the following
apply to you:
- if you are pregnant, planning to become pregnant, or are breast-feeding
- if you are taking any prescription or nonprescription medicine, herbal preparation,
or dietary supplement
- if you have allergies to medicines, foods, or other substances
- if you have a history of a prolonged (more than 4 hours) or painful erection (priapism)
- if you have a deformed penis (eg, cavernosal fibrosis, Peyronie disease), certain
blood cell problems (eg, leukemia, multiple myeloma, sickle cell anemia), or any
other condition that may increase the risk of a prolonged or painful erection (priapism)
- if you have a history of certain eye problems (eg, macular degeneration, optic neuropathy,
retinitis pigmentosa, sudden vision loss in one or both eyes) or hearing problems
(eg, ringing in the ears, decreased hearing, hearing loss)
- if you are dehydrated or have a history of liver or kidney problems, high or low
blood pressure, ulcers, bleeding problems, heart problems (eg, aortic stenosis,
angina, irregular heartbeat, heart failure), blood vessel problems, or nervous system
problems
- if you have a history of a heart attack, a stroke, or life-threatening irregular
heartbeat, especially within the past 6 months
- if you have pulmonary hypertension caused by sickle cell anemia
- if you are taking bosentan or medicine for erectile dysfunction (ED)


Health Deals
Purchasing Life Insurance
Added on : Friday September 20th 2013 12:00:08 PM
g: 0 Posted By: DaveTheStud
Views: 2 Replies: 0 I am 31 year old male and my wife is 33. My wife is pregnant with our first child and we are thinking of each getting life insurance with the intent that our future baby would be the beneficiary. We both already have life insurance coverage through our work, I get 3x salary and my wife is 1x salary. We are both healthy. I was thinking getting $1M life insurance policy for me and $1M for my wife. What would be the best type of Life Insurance to get to insure our future needs are met should something god forbid happen but at the same time if all is well having some type of annuity payments coming as well in the later years.Obviously premium at an affordable monthly rate and would not increase just because we age.

We have 401Ks, Roth IRAs and other investment accounts that we fund/invest in. Our only debt is just home mortgage.
Personal Finance Deals
uninsured/underinsured motorist and umbrella coverage
Added on : Friday September 20th 2013 12:00:08 PM
g: 0 Posted By: ksuwldkat
Views: 142 Replies: 2 I am finding new carriers for all my insurance products and I'm having a hard time deciding on what sort of uninsured/underinsured motorist coverage to get. I read through the recent thread, however it is now archived. I currently carry 500k limits on my vehicles. My current umbrella policy does not include coverage for uninsured/underinsured motorists. I just got a quote for new umbrella coverage. The price seems high in general, and the cost to extend uninsured/underinsured motorist for 1MM is $425. This is for 5 vehicles. Is the extra coverage worth the cost? I'm not sure how much each additional vehicle increases the cost, so maybe I would be better just decreasing my vehicle count.
Personal Finance Deals
g: 0 Posted By: kapsalis
Views: 278 Replies: 0 Amazon still has pretty good prices on some of the GE Filters

GE Raising Water Filter Prices by 30 percent! Buy Your Refrigerator Water Filter Now!

www.amazon.com

search for "GE MWF"

AMAZON LINK

ge is replacing the MWF with the MWFP a new style of the MWF (most popular water filter by GE, list price is about 85.00 dollars)

Order all filters through www.midwestapplianceparts.com. they usually have pretty competitive pricing and they combine shipping. GL and STOCK UP NOW before the price increase sets in.

other ge water filters include

GSWF
MSWF
MWF
MWFINT
MWFP



Appliance Deals

Amazon Coupons
Report to Insurance or Pay out of pocket
Added on : Friday September 20th 2013 04:00:13 AM
g: 0 Posted By: radiomessenger49
Views: 145 Replies: 2 My teenager was at fault in a minor accident at a stop sign, with some damage to the car in front of him. The other driver thought that the damage was small enough that they shouldnt report it to the insurance company and just get an estimate and pay out of pocket. The other driver sent us an estimate for approximately $300 from a local dealership.

Here is my question: should I, pay the estimate, ask for more estimates, report it to my insurance or ???? I would prefer at least two additional estimates to make sure that the cost is reasonable, but I dont want to upset the other driver because if they decide to report it to the insurance company I am sure that I will pay more than $300 in rate increases. Also, if I pay out of pocket, is there a boilerplate document that I could get the other driver to sign so they cant come back to me at a later date to get more money?

I should say that this happened in Michigan which is a no fault insurance state.
Personal Finance Deals
4.2A (2.1A x 2) Dual USB Car Charger, Black $7.18 @ Monoprice
Added on : Thursday September 19th 2013 08:00:10 AM
g: 1 Posted By: sterno
Views: 230 Replies: 0 Today's Daily Deal for monoprice.com is a 2 port USB char charger that will output 2.1A for each port for $7.18 plus shipping.

Not as cheap as the recent Meritline.com deals, but you should be able to charge both a new iphone and a tablet at the same time.

http://www.monoprice.com/products/product.asp?p_id=10239
monoprice.com said: As our mobile devices have increased in capability, their battery and charging needs have also increased. Now you can have up to 4.2 amps of charging power in your car with this 2-Port 4.2A USB Car Charger from Monoprice! This car charger fits into the auxiliary/cigarette lighter socket in your vehicle. It provides two 5 VDC USB charging ports, both with up to 2.1A of charging power. That is enough power to sufficiently charge two Apple iPads at once!




Batteries & Chargers Deals

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

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

Keeping that in mind, would it be best to put down 20% down to avoid PMI or leave is as is, and keep the money earning interest?
g: 1 Posted By: lovelybones
Views: 245 Replies: 0 LINKY

Product Description
The 0.9 cu. ft.Kenmore countertop microwave 73099features memory cooking, which lets you create and save customized cook time and power level combinations. This 900-watt Kenmore microwave has multi-stage cooking, which allows you to program multiple stages of cooking and their cook times at once; when one stage is complete, the next stage automatically starts.This compactblackKenmore 7309countertop microwave has 6 smart touch settings that let you do everything from reheat your dinner to melt chocolate.

The Kenmore 73099 countertop microwave has a 0.9 cu. ft. capacity
With 900 watts and 10 power levels, this microwave allows you to cook a variety of foods
The memory feature saves your favorite cook time and power level combinations
6 Smart Touch settings let you cook your food without selecting cook times and power levels
You can increase cook time in 30-second increments
The 10.6-inch diameter glass turntable is dishwasher safe
The LED display makes it easy to see when setting cook times and power levels
Open the microwave with the simple push-button door release
Use multi-stage cooking to set multiple stages and cook times at once, including defrost

Appliance Deals

Sears Coupons
48-Pack: 3M LeadCheck Swabs - Instant Lead Test $59.99 @ PennyWise
Added on : Tuesday September 17th 2013 04:00:07 PM
g: 0 Posted By: Ayla
Views: 136 Replies: 0 http://www.pennywise.biz/


Reatil Price: $298.80
Our Price: $59.99


Over 38 million homes were built with lead-based paint prior to the United States Consumer Product Safety Commission ban on lead use for residential purposes in 1977. Lead is most often transmited via dust particles, which can be invisible to the human eye. Lead can affect children's brain and nervous system development, causing reduced IQ, learning disbilities, and behavioral issues. Projects that disturb painted surfaces can create dust and endanger your famliy unless the proper safety precautions are taken.

3M LeadCheck Swabs are EPA recognized for use on wood, metal, drywall, and plaster. This means only one test is needed to reliably determine that regulated lead-based paint is not present on most surfaces. When lead is detected, 3M LeadCheck Swabs turn red. RED MEANS LEAD! These tests are inexpensive and easy to use and results are obtained in approximately 30 seconds. The odorless and disposable swabs are simple to use: just crush, shake, and swab. Each kit contains test confirmation cards to verify individual test results. In just seconds, you will know if lead-safe practices are required. Test for lead on painted sufaces such as drywall, plaster, wood, metal, steel structures, vinyl, and other plastics.

The DIYer should be aware of the major health issues resulting from lead exposure. Before starting your project, test for lead by using 3M LeadCheck Swabs. Next, minimize the inhalation of dust particles by using dust masks and respirators. This will safeguard your family from unsafe levels of lead accumulatiion. Finally, contain the dust to the work area, which is essential, along with a proper cleanup that will minimize airborne dust and keep your family healthy. How Old Is Your Home?

If your home was built prior to the 1980's, it is vitally important to check for lead-based paint in your home. As apartments, towmhomes, and houses continue to age, there is an increased chance that lead-based paint will become dust particles.


Home & Garden Deals
Private Health Insurance - New Premium for 2014 through the roof! +120%
Added on : Monday September 16th 2013 05:00:09 AM
g: 1 Posted By: bNeta86
Views: 104 Replies: 2 I searched for health insurance and didnt see a related thread so thought I should start one up.

I got my renewal letter from BCBS of Nebraska today and my premiums for January 1 have gone from $360 / month for my family plan to $790 / month. This is for a HDHP with HSA and a $12,000 Family deduct. No more single deduct + family style so that hurts too.

I am being forced to pay for maternity coverage despite the fact that our family is done growing. There are lots of other "included" benefits but at the end of the day I'm not sure how I'm going to handle eating this increase in cost. I havent started substantial searches for replacement options but I also have been reading a lot about companies pulling out of the game and stopping their health insurance offerings for private individuals.

I work at a small software company which has always been in a situation where it is cheaper to have the employees own their own health care stuff rather than pay 2x at the company level.

Anyone have any thoughts or suggestions on what you've done?

Wait for the health exchanges to come online? Obamacare has left me pretty uneasy since its initial passing and this is just cementing my opinion but I dont want to jump to conclusions just yet...and I need to spend some time researching but I figured I should see if you all are seeing similar situations pop up.

It might actually be better to just go without insurance until someone gets really sick then apply after the fact since they have removed the pre-existing conditions stuff right? What a cluster...
Personal Finance Deals
g: 1 Posted By: archena
Views: 1466 Replies: 0 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase.

Teaching Kids to Be Good People: Progressive Parenting for the 21st Century [Kindle Edition] was $9.99

Annie Fox (Author)

http://www.amazon.com/dp/B009P5JEZS

Publication Date: October 3, 2012

Publisher: Electric Eggplant

38 Reviews ★★★★★

#1 inKindle Store > Kindle eBooks > Nonfiction > Parenting & Relationships > Parenting > Child Care

Not all teachers are parents, but all parents are teachers. When we teach kids to be good people who possess the social courage to do the right thing, we help to make the world a safer, saner, more accepting place for all of us. Annie Fox, M.Ed.

We live in a time shaped by a viral culture of cruelty. Now and in the future, we desperately need more good people. But where will these young people come from? From the homes of parents with a game plan! In Teaching Kids to Be Good People, Annie Fox has written a very personal, step-by-step guide to teaching your children to make healthy choices (online and off). Because being good is not enough. We have to do good.

This very pragmatic and funny guide includes essays, podcasts, prompts, tools, questions, answers, and self-assessment quizzes, all for the purpose of teaching kids to be good people. Hopefully, youll become so engaged in this process that you will inspire your children to do the right thing when no one's watching, and when everyone is watching.

About the Author

When Annie Fox's first book "People Are Like Lollipops" (Holiday House) was published, she wasn't old enough to legally sign the contract! By the time she turned 21, though, she decided that helping kids would be her life's work. After graduating from Cornell University with a degree in Human Development and Family Studies then completing her Master's in Education, she began exploring ways to use technology to entertain kids while building their emotional intelligence skills.In 1977, Annie and her husband David opened Marin Computer Center, the world's first public access microcomputer facility. Her work there led her to write her best selling book, "Armchair BASIC: An Absolute Beginner's Guide to Microcomputers and Programming in BASIC" (Osborn/McGraw-Hill). After a detour into the world of screen writing, Annie returned to computers as an award-winning writer/designer of children's CD-ROMs. (Putt-Putt; Madeline; Get Ready for School, Charlie Brown; and Mr. Potato Head Saves Veggie Valley are just a few of the titles on which she worked.)At the dawn of the Internet age, Annie dreamed up the idea for The InSite (TheInSite.org), a place "for teens and young adults to turn their world around." She is the creator, co-designer, writer, and executive producer of that award-winning site. One of The InSite's most popular features is Hey Terra, a Cyberspace Dear Abby. Annie's first book for teens, "The Teen Survival Guide to Dating & Relating: Real World Advice About Guys, Girls, Growing Up And Getting Along" (2000, 2005 Free Spirit Publishing), is based on hundreds of emails to Terra and Annie's responses to them. "Teen Survival Guide" is now available as a free PDF download from TeenSurvivalGuide.com."Are You My Friend?" a Read-it-to-Me iBook was written by Annie Fox, illustrated by Eli Noyes and produced by Electric Eggplant. This digital story book for 4-8 year olds is the first of the Raymond and Sheila Series and is now available in print form on Amazon, and as Android apps for Kindle Fire, Nook Tablet, and other Android tablets. The second Raymond and Sheila story "Are We Lost?" will be available in print in 2013. See RaymondAndSheila.com for more info.Annie's other books include: "Too Stressed to Think? A Teen Guide to Staying Sane When Life Makes You CRAZY," co-authored with Ruth Kirschner (Free Spirit Publishing) and the popular 3 book Middle School Confidential series (Free Spirit Publishing). Annie's Middle School Confidential apps (developed by Electric Eggplant) are available for iPad, iPhone, Kindle Fire, Nook Tablet, and other Android tablets (see MiddleSchoolConfidential.com).Through her conference appearances and public events for kids, tweens, teens, parents, and educators, Annie continues working toward her goal of empowering young people through increased emotional intelligence skills, social courage, and stress-reduction strategies. Her new book for parents and teachers, "Teaching Kids To Be Good People," is now available in print and for Kindle (see TeachingKidsToBeGoodPeople.com)Visit Annie at her website, AnnieFox.com
Follow Annie on Twitter: @Annie_Fox
Follow Annie on Facebook: http://www.facebook.com/Annie.Fox.author
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Harley Davidson Hard Hat with flames $13.29 (Reg $39) amazon.com
Added on : Friday September 13th 2013 12:00:04 PM
g: 0 Posted By: gizmo
Views: 174 Replies: 0 Linkazon sale price $18.99 - clip the coupon for an additional 30% off, applied at checkout = $13.29

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SanDisk Ultra Plus 256GB SATA 6.0 Gbps 2.5" SSD $150 + FS @ Amazon.com
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g: 1 Posted By: fivetalents
Views: 352 Replies: 0 SanDisk Ultra Plus SSD 256 GB SATA 6.0 Gbps 2.5-Inch Solid State Drive SDSSDHP-256G-G25

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Views: 16 Replies: 0 SanDisk Ultra Plus SSD 256 GB SATA 6.0 Gbps 2.5-Inch Solid State Drive SDSSDHP-256G-G25

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Added on : Wednesday September 11th 2013 06:00:03 AM
g: 0 Posted By: tedhawkins
Views: 144 Replies: 0 Burton GMP Thatcher Snowboard Jacket $159.95 + Free shipping

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

Burton's GMP Thatcher Jacket is one of a select few exciting environmentally-friendly snowboarding jackets on the market. The exterior of the jacket is made with three-layer hemp ripstop fabric, which is modified using DRYRIDE Eco-Nanoshell 2L technology. This technology gives the fabric hydrophobic fibers to cause water to bead off - without using any harmful chemicals. It also uses recycled Mountain Dew bottles to further increase its ecological benefits. Fully taped seams prevent leaks for even better waterproofing in extreme conditions.

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Vitamin D3 2000 IU $1.99 At Puritan's Pride
Added on : Tuesday September 10th 2013 03:00:11 PM
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Views: 271 Replies: 0 http://www.puritan.com/bargain-bin-127/vitamin-d-2000-iu-l-01761...



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Using Smorecard app to combine rotating category cards
Added on : Tuesday September 10th 2013 04:00:09 AM
g: 0 Posted By: Medikit
Views: 73 Replies: 2 I have been using a combination of fixed and rotating category credit cards to maximize my CashBack while shopping. I have found the rotating category cards to be especially difficult to use since they continue to change. Recently I have been using an app called smorecard to help me when I forget which credit card to use and it has been pretty useful.
Here is a link:http://www.smorecard.com/

A few things that this app does not do:
-Cannot add invite only categories (though it does seem to be aware of certain bonuses)
-Cannot increase the value of points (ie it devalues TY points to 3/5 of one cent but some of us are able to get 1 penny per point return)

Anyone else have techniques that they use to help them keep track of the categories?
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g: 0 Posted By: turtlebug
Views: 36 Replies: 0 Chicago area-based Financial Education of America announces the release of its Futurebuck program, an online financial education course designed to increase financial literacy in young adults. Part of the company's education campaign is to give away the program free of charge.

Young adults and others are encouraged to access the program by visitinghttp://futurebuck.com/ and using coupon code "100thanks" during the registration process.
Buffalo DriveStation Axis 2TB USB 3.0 External Hard Drive $79 Frys
Added on : Monday September 09th 2013 03:00:06 AM
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Views: 145 Replies: 0 http://www.frys.com/product/7191532
In store Only

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About 25 Free Kindle Books
Added on : Sunday September 08th 2013 06:00:11 AM
g: 2 Posted By: remick
Views: 267 Replies: 1 Free at the time of posting

The5DayWineGuide-LearnHowtoChoosetheBestRedorWhiteWinesbytheWeekend(forBeginners)[KindleEdition
]http://www.amazon.com/dp/B00BGIUQNQ

Tried&TestedTop30ItalianDesserts:LatestCollectionofTop30Mouth-Watering,Most-WantedDelicious,EasyAndQuickItalianDessertRecipes[KindleEdition]
http://www.amazon.com/Tried-Tested-Italian-Desserts-ebook/dp/B00F0XKW50

Top30Mouth-WateringSteakRecipes:TopClass,Healthy,PopularAndDeliciousSteakRecipesForYouandYourFamily[KindleEdition]
http://www.amazon.com/dp/B00D6A30VW

TheBreakfastTacoBook[KindleEdition]
http://www.amazon.com/dp/B005JTNP90

Recipes from The Nation of Barbados (West Indian Recipes 2) [Kindle Edition]
http://www.amazon.com/Recipes-Nation-Barbados-Indian-ebook/dp/B00F156B7A

Rice Up and Cook! A Rice Cookbook [Kindle Edition]
http://www.amazon.com/Rice-Up-Cook-Cookbook-ebook/dp/B00EZE8DZQ




PoliticsandtheBomb:TheRoleofExpertsintheCreationofCooperativeNuclearNon-ProliferationAgreements(RoutledgeAdvancesinInternationalRelationsandGlobalPolitics)[KindleEdition]
http://www.amazon.com/Politics-Bomb-Non-Proliferation-International-ebook/dp/B00F0N74NS

1966CrisisandTheEvolutionofNigerianPolitics[KindleEdition]
http://www.amazon.com/Crisis-Evolution-Nigerian-Politics-ebook/dp/B00A0GTMLW

AircraftPicturesVol.1;NavyandMarineCorpsAviationPictures-Jets[KindleEdition]
http://www.amazon.com/Aircraft-Pictures-Marine-Aviation-ebook/dp/B00EN1GTSE

TheBenjaminAtkinsStory:America'sMostProlificSerialKiller[KindleEdition]
http://www.amazon.com/The-Benjamin-Atkins-Story-ebook/dp/B00ERH0HTQ

KLAN:KillingAmerica[KindleEdition]
http://www.amazon.com/KLAN-Killing-America-ebook/dp/B00B3GGYAU

AmericanMonstersVol.5(12TerrifyingTalesofAmerica'sMostHorrificSerialKillers)[KindleEdition]
http://www.amazon.com/American-Monsters-Terrifying-Americas-ebook/dp/B00CAZGF8E/

TerroristsWithinOurWalls[KindleEdition]
http://www.amazon.com/Terrorists-Within-Our-Walls-ebook/dp/B00CQ9OJH8

THELOOTINGOFSOCIALSECURITY:Newreleaseofthebook"theydidn'twantyoutoread![KindleEdition]
http://www.amazon.com/THE-LOOTINGSOCIALSECURITYebook/dp/B0057Q47W4

The First Apple [Kindle Edition]
http://www.amazon.com/gp/product/B00EGSF1MO



RaisingHell:Christianity'sMostControversialDoctrinePutUnderFire[KindleEdition]
http://www.amazon.com/dp/B0056U9JHE

GodCanExist:AScientificProof[KindleEdition]
http://www.amazon.com/God-Can-Exist-Scientific-ebook/dp/B00EQMXPWS

ZealotBooks-TheLifeandTimesofJesusofNazareth(Volume1):TheCrucifixionofJesusofNazarethasDepictedinArt(ZealotBooks-TheLifeand...ofHistoricalFigures:JesusofNazareth1)[KindleEdition]
http://www.amazon.com/Zealot-Books-Crucifixion-Historical-ebook/dp/B00EYJ079C

Saint Drogo [Kindle Edition]
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Heaven's Back Door: What I Learned When I Died [Kindle Edition]
http://www.amazon.com/Heavens-Back-Door-Learned-ebook/dp/B00EY3D5A6





HowLifeReallyWorks:TheAnswerToFindingYourPurpose&PersonalFulfillment[KindleEdition]
http://www.amazon.com/How-Life-Really-Works-ebook/dp/B00E1ENFEO

GetThingsDoneANDFeelGreat-115HolisticWaystoIncreaseProductivityandBoostYourEnergy[KindleEdition]
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AquaponicsSystemsfortheFreshwaterTropicalFishKeeper[KindleEdition]
http://www.amazon.com/dp/B00D4U6SLI

MASTERINGTHEDUNK:ADDINCHESTOYOURJUMPIN30DAYSORLESS[KindleEdition]
http://www.amazon.com/MASTERING-THE-DUNK-INCHES-ebook/dp/B00EUBAOTC

How To Play Golf With A ProMindset [Kindle Edition]
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Information Security [Kindle Edition]
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About 20 Free Kindle Books
Added on : Sunday September 08th 2013 05:00:15 AM
g: 1 Posted By: remick
Views: 46 Replies: 0 Free at the time of posting

The5DayWineGuide-LearnHowtoChoosetheBestRedorWhiteWinesbytheWeekend(forBeginners)[KindleEdition
]http://www.amazon.com/dp/B00BGIUQNQ

Tried&TestedTop30ItalianDesserts:LatestCollectionofTop30Mouth-Watering,Most-WantedDelicious,EasyAndQuickItalianDessertRecipes[KindleEdition]
http://www.amazon.com/Tried-Tested-Italian-Desserts-ebook/dp/B00F0XKW50

Top30Mouth-WateringSteakRecipes:TopClass,Healthy,PopularAndDeliciousSteakRecipesForYouandYourFamily[KindleEdition]
http://www.amazon.com/dp/B00D6A30VW

TheBreakfastTacoBook[KindleEdition]
http://www.amazon.com/dp/B005JTNP90




PoliticsandtheBomb:TheRoleofExpertsintheCreationofCooperativeNuclearNon-ProliferationAgreements(RoutledgeAdvancesinInternationalRelationsandGlobalPolitics)[KindleEdition]
http://www.amazon.com/Politics-Bomb-Non-Proliferation-International-ebook/dp/B00F0N74NS

1966CrisisandTheEvolutionofNigerianPolitics[KindleEdition]
http://www.amazon.com/Crisis-Evolution-Nigerian-Politics-ebook/dp/B00A0GTMLW

AircraftPicturesVol.1;NavyandMarineCorpsAviationPictures-Jets[KindleEdition]
http://www.amazon.com/Aircraft-Pictures-Marine-Aviation-ebook/dp/B00EN1GTSE

TheBenjaminAtkinsStory:America'sMostProlificSerialKiller[KindleEdition]
http://www.amazon.com/The-Benjamin-Atkins-Story-ebook/dp/B00ERH0HTQ

KLAN:KillingAmerica[KindleEdition]
http://www.amazon.com/KLAN-Killing-America-ebook/dp/B00B3GGYAU

AmericanMonstersVol.5(12TerrifyingTalesofAmerica'sMostHorrificSerialKillers)[KindleEdition]
http://www.amazon.com/American-Monsters-Terrifying-Americas-ebook/dp/B00CAZGF8E/

TerroristsWithinOurWalls[KindleEdition]
http://www.amazon.com/Terrorists-Within-Our-Walls-ebook/dp/B00CQ9OJH8

THELOOTINGOFSOCIALSECURITY:Newreleaseofthebook"theydidn'twantyoutoread![KindleEdition]
http://www.amazon.com/THE-LOOTINGSOCIALSECURITYebook/dp/B0057Q47W4



RaisingHell:Christianity'sMostControversialDoctrinePutUnderFire[KindleEdition]
http://www.amazon.com/dp/B0056U9JHE

GodCanExist:AScientificProof[KindleEdition]
http://www.amazon.com/God-Can-Exist-Scientific-ebook/dp/B00EQMXPWS

ZealotBooks-TheLifeandTimesofJesusofNazareth(Volume1):TheCrucifixionofJesusofNazarethasDepictedinArt(ZealotBooks-TheLifeand...ofHistoricalFigures:JesusofNazareth1)[KindleEdition]http://www.amazon.com/Zealot-Books-Crucifixion-Historical-ebook/dp/B00EYJ079C




HowLifeReallyWorks:TheAnswerToFindingYourPurpose&PersonalFulfillment[KindleEdition]
http://www.amazon.com/How-Life-Really-Works-ebook/dp/B00E1ENFEO

GetThingsDoneANDFeelGreat-115HolisticWaystoIncreaseProductivityandBoostYourEnergy[KindleEdition]
http://www.amazon.com/Things-Done-Feel-Great-ebook/dp/B00EZRUQI0





AquaponicsSystemsfortheFreshwaterTropicalFishKeeper[KindleEdition]
http://www.amazon.com/dp/B00D4U6SLI

MASTERINGTHEDUNK:ADDINCHESTOYOURJUMPIN30DAYSORLESS[KindleEdition]
http://www.amazon.com/MASTERING-THE-DUNK-INCHES-ebook/dp/B00EUBAOTC

How To Play Golf With A ProMindset [Kindle Edition]
http://www.amazon.com/dp/B00DUGU1AA



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Roku 3 Streaming Player $86.12 at Amazon
Added on : Saturday September 07th 2013 07:00:02 PM
g: 0 Posted By: forzaINTER
Views: 0 Replies: 0 http://www.amazon.com/Roku-4200R-3-Streaming-Player/dp/B00BGGDVOO

Now $86.12 at Amazon with free shipping.Product Features

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Up to $3 off Perdue Coupon in the future - FB
Added on : Friday September 06th 2013 06:00:06 AM
g: 0 Posted By: remick
Views: 53 Replies: 0 https://www.facebook.com/PerdueChicken/app_549538148433014

We'll send you an email when the final value is determined, along with a link to download the coupon. The coupon is currently at $1 off but will increase up to $3 off depending on the number of sign-ups.
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Roth vs. Traditional 401k in 25% Tax Bracket
Added on : Wednesday September 04th 2013 06:00:09 AM
g: 0 Posted By: wilythefox
Views: 147 Replies: 3 Many employers started offering roth 401k options, allowing us to invest post-tax dollars. I have a hard time deciding whether I should invest pre-tax, post-tax, or partly pre-tax and partly post-tax.

Here are some basics about roth and traditional contributions: http://www.fullofdeals.com/blog/401k-vs-roth-401k-calming-the-conf... Clearly, roth is advantageous if you retire in a higher tax bracket than the one you are in currently. However, you also need some income or distributions from traditional accountsto fill the lower tax brackets in retirement.Another advantage of roth is the ability to invest more money as $17,500 post tax is more than $17,500 pre-tax. Finally, having someroth contributions lets youhedge against future tax increases.

Now my specific situation. This is my last year in the 25% tax bracket, and next year I will be in the 28% bracket. I am 30 years old and I don't expect to be in the 25% bracket again until possibly when I retire. NY state tax is an additional 6.85%. Shall I use the advantage of being in the 25% bracket and make at least some roth contributions, and then switch to traditional contributions next year once I am in the 28% bracket? Or shall I invest in a traditional account now? I realize this question doesn't have a "right" answer without knowing future tax rates, but I wanted to hear what others are doing.
Personal Finance Deals
g: 0 Posted By: archena
Views: 133 Replies: 0 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase.

Teaching Kids to Be Good People: Progressive Parenting for the 21st Century [Kindle Edition] was $9.99

Annie Fox (Author)

http://www.amazon.com/dp/B009P5JEZS

Publication Date: October 3, 2012

Publisher: Electric Eggplant

Not all teachers are parents, but all parents are teachers. When we teach kids to be good people who possess the social courage to do the right thing, we help to make the world a safer, saner, more accepting place for all of us. Annie Fox, M.Ed.

We live in a time shaped by a viral culture of cruelty. Now and in the future, we desperately need more good people. But where will these young people come from? From the homes of parents with a game plan! In Teaching Kids to Be Good People, Annie Fox has written a very personal, step-by-step guide to teaching your children to make healthy choices (online and off). Because being good is not enough. We have to do good.

This very pragmatic and funny guide includes essays, podcasts, prompts, tools, questions, answers, and self-assessment quizzes, all for the purpose of teaching kids to be good people. Hopefully, youll become so engaged in this process that you will inspire your children to do the right thing when no one's watching, and when everyone is watching.

About the AuthorWhen Annie Fox's first book "People Are Like Lollipops" (Holiday House) was published, she wasn't old enough to legally sign the contract! By the time she turned 21, though, she decided that helping kids would be her life's work. After graduating from Cornell University with a degree in Human Development and Family Studies then completing her Master's in Education, she began exploring ways to use technology to entertain kids while building their emotional intelligence skills.In 1977, Annie and her husband David opened Marin Computer Center, the world's first public access microcomputer facility. Her work there led her to write her best selling book, "Armchair BASIC: An Absolute Beginner's Guide to Microcomputers and Programming in BASIC" (Osborn/McGraw-Hill). After a detour into the world of screen writing, Annie returned to computers as an award-winning writer/designer of children's CD-ROMs. (Putt-Putt; Madeline; Get Ready for School, Charlie Brown; and Mr. Potato Head Saves Veggie Valley are just a few of the titles on which she worked.)At the dawn of the Internet age, Annie dreamed up the idea for The InSite (TheInSite.org), a place "for teens and young adults to turn their world around." She is the creator, co-designer, writer, and executive producer of that award-winning site. One of The InSite's most popular features is Hey Terra, a Cyberspace Dear Abby. Annie's first book for teens, "The Teen Survival Guide to Dating & Relating: Real World Advice About Guys, Girls, Growing Up And Getting Along" (2000, 2005 Free Spirit Publishing), is based on hundreds of emails to Terra and Annie's responses to them. "Teen Survival Guide" is now available as a free PDF download from TeenSurvivalGuide.com."Are You My Friend?" a Read-it-to-Me iBook was written by Annie Fox, illustrated by Eli Noyes and produced by Electric Eggplant. This digital story book for 4-8 year olds is the first of the Raymond and Sheila Series and is now available in print form on Amazon, and as Android apps for Kindle Fire, Nook Tablet, and other Android tablets. The second Raymond and Sheila story "Are We Lost?" will be available in print in 2013. See RaymondAndSheila.com for more info.Annie's other books include: "Too Stressed to Think? A Teen Guide to Staying Sane When Life Makes You CRAZY," co-authored with Ruth Kirschner (Free Spirit Publishing) and the popular 3 book Middle School Confidential series (Free Spirit Publishing). Annie's Middle School Confidential apps (developed by Electric Eggplant) are available for iPad, iPhone, Kindle Fire, Nook Tablet, and other Android tablets (see MiddleSchoolConfidential.com).Through her conference appearances and public events for kids, tweens, teens, parents, and educators, Annie continues working toward her goal of empowering young people through increased emotional intelligence skills, social courage, and stress-reduction strategies. Her new book for parents and teachers, "Teaching Kids To Be Good People," is now available in print and for Kindle (see TeachingKidsToBeGoodPeople.com)Visit Annie at her website, AnnieFox.com
Follow Annie on Twitter: @Annie_Fox
Follow Annie on Facebook: http://www.facebook.com/Annie.Fox.author
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g: 0 Posted By: shank
Views: 239 Replies: 0 Received a VERY timely mail offer from the LA Times for 50% off for up to one year:
$0.75 per week for Sunday only
$1.50 per week for Thurs - Sunday
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VERY timely offer for those of us in San Diego, who are tired of the new Union Tribune ownership, recent steep price increase. Our annual subscription ends this month, will not be renewed.
Services Deals
g: 0 Posted By: tedhawkins
Views: 49 Replies: 0 Columbia Sportswear Passo Alto Shirt - Full Zip, Long Sleeve (For Women) $34.95 + $2.95 S/Hhttp://www.sierratradingpost.com/barnburnersApply $2.95 code COMS13Columbia Sportswear's Passo Alto full-zip shirt is made from warm and soft comfort-stretch fabric and features Omni-Wick advanced evaporation technology.Omni-Wick advanced evaporation technology moves and disperses sweat away from the body for rapid evaporationComfort-stretch fabric for increased mobilityFull-zip front with internal storm flap and chin guardTall stand-up collarZip hand pocketsThumbhole cuffsDrawcord hem
Clothing Deals

Sierra Trading Post Coupons
redeeming Target Cartwheel offers without a phone
Added on : Sunday September 01st 2013 11:00:05 PM
g: 0 Posted By: lordoffire
Views: 101 Replies: 0 For those who have never used it before, you do not have to have a phone in order to receive/use discounts through Target's "Cartwheel" program.
You will however need an extra facebook account. (Go make one for your cat or something....)
Once you add the discount(s) to your account, you can print off a copy to take into the store with you and have scanned at checkout.

1. Visit http://cartwheel.target.com/

2. Click "sign in with facebook". FYI, you need to have popups allowed for the FB prompt to show up. And it helps if you are already logged in to the FB account.

3. Click "okay" twice. Again, use an extra account to avoid the privacy issues.

4. Once logged in, use the search bar or click browse. You can sort by clicking on "all categories".

5. Click the discount you'd like to select, then hit "add".

6. To print out the offer(s), you need to click where it says "print barcode" at the top of the page.

7. Click where it says "print" on the page that comes up and you're good to go.


If you are not aware:
-there are limits to the number of items the discount(s) can be applied to each order, usually 4 per discount, it's listed on the barcode page
-it is not a one time thing...you can redeem the same discounts up to 6 times per day (scan the same page), they would just have to be in separate transactions
-if you do have multiple offers selected, it will automatically apply them all at the same time (when scanned)
-technically you don't have to print off another barcode each time you add offers to your account, it's the same barcode....it just identifies the account
-you can only scan one barcode per transaction; IE. cannot use discounts from more than one cartwheel account in the same order
-you can use one MFC, one target coupon, and one cartwheel offer for each item
-the percentage discount is taken AFTER THE TARGET COUPONS and BEFORE THE MANUFACTURER COUPONS
-there is a limit to the number of offers you can have attached to each account at one time, 10 to start out, but you can increase it just by using it (click on the circles https://cartwheel-secure.target.com/milestone)
In Store Promos Deals
Roku 3 Streaming Player $84.97 + Free Shipping (PC Richard & Son)
Added on : Sunday September 01st 2013 05:00:01 PM
g: 0 Posted By: forzaINTER
Views: 32 Replies: 0 P.C. Richard & Son online.
http://www.pcrichard.com/catalog/catalog-product.jsp?prodId=4200R$84.87 + Free Shipping

Still $89 at Amazon + Free Shipping
http://www.amazon.com/gp/product/B00BGGDVOO/ref=as_li_ss_tl?ie=UTF8&camp=1789&creative=390957&creativeASIN=B00BGGDVOO
Product Features

Faster and more powerful. With up to 1080p HD video* and extended-range, dual-band wireless performance for increased speed
Amazing remote with headphone jack. Use the included in-ear headphones to crank up that late-night flick while the kids (or parents) sleep
One-stop search. Find your favorite movies and TV shows all from one place?from top TV and Movie services like Netflix, Amazon Instant Video or Hulu Plus
750+ channels and growing. The best selection of streaming out there. Everything from Netflix to Hulu Plus to HBO GO to Major League Baseball
Free iOS and Android device app. Use it like a remote. Browse and add new channels. Even stream your music and photos from your phone or tablet to your HDTV

Electronics Deals

PC Richard & Son Coupons
The North Face Cipher Jacket - Men's - 2013 Closeout $73.93 + FS @ rei
Added on : Sunday September 01st 2013 04:00:04 AM
g: 0 Posted By: tedhawkins
Views: 335 Replies: 0 the north face Cipher Jacket - Men's - 2013 Closeout $73.93 + FS @ REIhttp://www.rei.com/outlet/deal-of-the-dayThe men's Cipher jacket from the north face does double duty by keeping wind out while remaining breathable so you stay comfortable even during high-energy outdoor activities.Gore WindStopper eliminates windchill while staying breathable so you stay dry and warm without overheatingA Durable Water Repellent finish sheds light moistureUnderarm and side panels are made from Apex Aerobic soft-shell fabric with 4-way stretch for increased mobility and breathabilityCenter front zipper has an internal windflap; brushed chin guard lining is soft next to skinAngled zip pockets; adjustable drawcord hem; adjustable rip-and-stick tab cuffsThe North Face Cipher jacket features a close-fitting, athletic cutPart of the north face Summit Series the Cipher jacket is designed and tested for use in harsh environments
Clothing Deals

REI Coupons
Lowering the insurance deductible after damage
Added on : Saturday August 31st 2013 07:00:05 PM
g: 0 Posted By: tantuti
Views: 76 Replies: 3 I have a 1000.00 collision deductible and after 20 yrs of driving. I finally got a hit and run damage to my car. Thanks to whoever did it. The fender has a dent and door has a scratch.

I have not gotten any estimates yet and wondering if I should login in my Geico account and lower the deductible down to 250.00 from the 1000.00 which will only increase my premium 28.00 for the 6 months. Right now it is thru the 2nd month since I pay 3 times per 6 months.

Call the insurance and file a claim and pay the 250.00 deductible

after getting the repair done, log back in and change the deductible back to 1000.00 to lower the premium again.

Will that work or is there some waiting period?

I have never made a claim on my insurance so this is all new for me
Personal Finance Deals
g: 0 Posted By: tedhawkins
Views: 0 Replies: 0 Odyssey ProType Tour Series Blade Putter $119.82 + Free shipping @ golfsmith

http://www.golfsmith.com/product/30060349/odyssey-protype-tour-s...

The Odyssey ProType Tour Series Blade Putter was born out of unique putters crafted for the best players in the world. The Odyssey design team has taken the feedback from many Tour professionals and developed a putter series that enhances feel and offers great looks and performance. With the fine-tuned design and custom color program, the ProType Tour Series line lets you feel like a pro.

Features:

A 1025 Carbon Steel Head produces similar performance characteristics to stainless steel with a softer feel
Deeper, sharper milling pattern on the putter face increases interaction between the face and the ball for better feel, truer roll and more consistency
Designed to meet the demands of Tour players seeking a modern take on a traditional look

Discover Automatic CLI
Added on : Wednesday August 28th 2013 07:00:10 PM
g: 0 Posted By: tjguitar85
Views: 40 Replies: 0 I didn't request anything, but got an e-mail from Discover:

We're happy to inform you that we have increased your credit line on your Discover card.

Your new credit line is: $9,300 of which $2,500 is available as Cash.


It was previously stuck at 1k for like 10 years....I had been using it the past month or so for gas and kept paying it down....
Credit Deals
Private college loans please help I've hid for too long
Added on : Wednesday August 28th 2013 11:00:07 AM
g: 0 Posted By: Dago84
Views: 231 Replies: 3 P { margin-bottom: 0.08in; }Hello I have some questions regarding my student loans. I know there are government loans and private loans. My government loans were garnished until a certain period of time, and then I proceeded to pay them off (on top of my garnishments). The private loans are held through Sallie Mae, and being that they're private they do not garnish. Instead, Sallie Mae has continued to hit me with very high interest rates at which are doubling and tripling my total amount due over the years. I can no longer run and hide, the more I hide the sooner my loans reach $100k mark. I am confused and not sure what to do, it seems if I start paying I will simply be paying the interest for years and years prior to even touching the principal amount due. Onto my question, and I have to ask because I don't know what to do. I have been told by many people that after 7 years and (3-4 months) private loans will fall off of my credit report. I am coming here to see if there is any truth to this and or what I should do to increase my score.I'm financially stable at this point and need to get the credit score addressed immediately for it is affecting many points in my life. If this means tackling the loans head on, then so be it. It will be a long while before they are paid, but if that's what needs done so be it.If you all tell me I should start paying them, will I see a increase in my score once I start making payments? Thanks all, sorry it's so brief but figured you didn't want a long read. Thank you all, if there is any information you need please let me know. Apprecaite any advice you can offer I'm simply looking for the most cost affective and best way to increase my score. Sadly I didn't even finish college due to a job offer at which I couldn't pass up and I am currently still employed with said company.
Thanks all
Personal Finance Deals
Need New Federal Student Loans To Qualify For 10% IBR
Added on : Tuesday August 27th 2013 09:00:13 AM
g: 1 Posted By: perpetualstudent
Views: 139 Replies: 2 I went to grad school in 2009 to 2011 for an MBA and took out massive student loans. While things were not unexpected, basically everything went as badly as they could. (A) not qualifying for in-state tuition. (B) massive tuition increase between first and second year (C) not qualifying for an assistantship either year (D) not obtaining a paid internship and working for free over the summer.

While I did have a risk plan going in, every single risk occurred simultaneously and my mitigation strategy for this outcome was to use Income Based Repayment and qualify for forgiveness after 25 years. Had at least half of the things went right, I intended to pay back the student loans within 5 years. But everything possible went wrong and $150k of federal student loans at a weighted average of 7.4% interest is not something I can reasonably pay back. While this intro has nothing to do with the question in the post, I list it for background information.

The strategy now is to legally use the system in my favor and that will involve taking new federal student loans, because our president's student loan executive order in 2012 only helps people who have at least one student loan in 2012 or later, and who have no loans prior to 2008. If I get in that plan, then my IBR drops from 15% of my discretionary income down to 10% and the 25 year repayment period drops to 20 years.

I ran the numbers and it would make sense for me to stop working for a year and do one more year of school, in any program, it doesn't matter what, just so I can take out new federal students and thus put all $150k onto the new 10%/20 year plan. The new IBR rules apply retroactively to all previous loans, if you have at least one loan in 2012, not just to loans in 2012 and later.

The problem is only federal student loans work and certain criteria, of which I'm not certain of, must be met in order for federal loans to cover tuition. It's my understanding it must be some kind of "degree-seeking program." I don't think I can get a federal student loan to cover massage therapy school, for example.

Can anyone recommend how I might get a new federal student loan issued, considering I already have an MBA and a BA degree?

For anyone who thinks I'm a deadbeat, consider that anyone with student loans prior to 2009 got a variable rate, which in current terms is around 2%. When I got to school they just changed the rules to lock in at a fixed rate of 6.8% and 7.8%. And it took until 2012 for the President to realize that was insane and impossible to pay back and change the rules, but only for people who got loans in 2012 and later. So essentially, by being a student between that 2009 and 2011 period, I got significantly screwed (by not qualifying for the low variable rates of 2008 and earlier, and not qualifying for the more leniant IBR rates of 2012 and later). The only fix is to go back to school somehow, hopefully part-time and online, just anyway to qualify for at least $1 of a new federal student loan.
Personal Finance Deals
B1G1 coupon Nutrena SafeChoice Senior Horse Feed 50 lb. bag
Added on : Monday August 26th 2013 06:00:06 AM
g: 0 Posted By: briarycliffs
Views: 166 Replies: 0 Nutrena B1G1

I filled out the form with 2 senior horses and feed Triple Crown senior and got 3 coupons for b1g1. Don't know if it makes a difference in how many coupons you get. It also sates manufacturer's coupon valid at any participating Nutrena retailer. At my tractor supply it's $19.99. My coupons expire 9/30/13 that I printed today.

From their website:

A high-fat, controlled starch, complete feed to meet the unique needs of senior horses. Your horse has always given you its best. And with SafeChoice Senior, you can do the same in return. This proprietary formula is enriched with added amino acids for muscle maintenance, highly digestible fiber and organic trace mineral complexes that help improve and maintain body condition. It meets all the unique nutritional requirements of your older horse. And SafeChoice Senior is a multiform horse feed specially designed to be highly digestible and highly palatable. Just what your old friend needs.

Exclusive Nutri-Bloom Advantage increases fiber digestion up to 15% for better health and bloom
Balanced Omega 3 and 6 fatty acid levels from select vegetable sources to help reduce the effects of inflammation
Highly digestible fiber sources for feeding as a sole ration without hay or pasture
Increased fat level for the extra energy older horses need
Ideal for rehabilitating neglected or malnourished horses
Controlled starch design helps reduce the risk of metabolic disorders
Highly palatable formula in pellet form for optimal feed consumption
Enhanced with antioxidants, including selenium, vitamin C and vitamin E, to support the immune system and helps minimize the effects of stress
Guaranteed levels of biotin to support hair coat and hoof development
May be soaked with warm water to form QuickMash in just 3 minutes

Daily Feeding Table (When Fed With Hay or Pasture):
800 lb.: 4 lb. to 6 lb. per day (Light Work: 6 lb. to 8 lb.)
1,000 lb.: 5 lb. to 7 lb. (Light Work: 7 lb. to 10 lb.)
1,200 lb.: 6 lb. to 8 lb. (Light Work: 8 lb. to 12 lb.)Daily Feeding Table (When Fed Without Hay or Pasture):
800 lb.: 10 lb. to 12 lb. per day (Light Work: 12 lb. to 14 lb.)
1,000 lb.: 12 lb. to 14 lb. (Light Work: 14 lb. to 16 lb.)
1,200 lb.: 14 lb. to 16 lb. (Light Work: 16 lb. to 18 lb.)Sole ration feed at 1.25% to 1.5% BW.
With free choice hay or pasture, feed at 0.5% to 0.75% BW.
Sole ration feed at 1.5% to 1.75% BW.
With free choice hay or pasture, feed at 0.75% to 1.00% BW.
Home & Garden Deals

Tractor Supply Company Coupons
Finding an appraiser to target home improvements for increased value
Added on : Monday August 26th 2013 05:00:10 AM
g: 0 Posted By: fasttimes
Views: 0 Replies: 0 Most people get an appraisal done not because they want too, but because they are required to by the bank. I know the official appraisal value usually has no bearing on the sales price, but in our circumstance, due to some estate/tax reasons, it might be desirable to get the highest appraisal value as possible.

What we are looking for is to get an appraiser to come out and do the standard appraisal to tell us the market value of the property "as is". We would also like the appraiser to tell us the increased value certain improvements would likely yield.At that point we might havea range of improvements made then get an"official" appraisal for estate purposes. I suppose a listing agent could give us a list of recommendations and a guestimate of the improved value, but since we are not likely to use an agent I don't want to pick their brain for free. It seems like I'm looking for something more than a standard appraiser, but I've no idea where to find such a person.




kmully's wife's 2nd AOR
Added on : Sunday August 25th 2013 09:00:07 AM
g: 1 Posted By: kmully
Views: 114 Replies: 0 We did my wife's first AOR in late October 2012.

Applied for and approved/not approved:

Citi AA Visa - approved
Citi AA AMEX - approved
Chase Southwest - not approved, tried reconsideration, not approved
Chase Marriott - approved
AMEX Biz Gold - approved
Barclay's US Airways Mastercard - approved

She also has:

Authorized User on my AMEX Blue Cash (Original) since 2007 -- too late to change now, this is her oldest card
Authorized User on my Chase Amazon since ... 2007/2008? -- again, feel like it is too late to change now due to account length
Chase Freedom since January 2012 (for 5% rotating)

I'm looking to get her (in order):

Citi AA Visa Platinum (FT reports that this is churnable regardless of how many other AA cards you have so no need to cancel current AA cards?) - 50k miles after $3k in 3 months, $0 AF then $95 after that
Chase British Airways - 50k miles after $2k in 3 months, $0 AF then $95 after that (I know they've had the 100k mile offer, but it requires a TON of spend and I think this is a better offer)
AMEX SPG - 30k after $5k in 6 months, $0 AF then $65 after that
Chase Ink Plus - 50k UR points after $5k in 3 months, $0 AF then $95 after that
AMEX SPG Biz - 30k after $5k in 6 months, $0 AF then $65 after that

Justification for why these cards:

Trying to acquire AA miles first for a bunch of trips in 2015, yes, 2015. First class from Hawaii to Chicago, Chicago to London, London to Chicago, Chicago to San Francisco... all for 125k miles per person = winning
BA miles for Avios 9,000 Avios mile roundtrips to get us to and from Chicago so we can use our AA miles for international first class tickets
SPG points (TBD whether to convert to airline miles with the 20k SPG = 25k airline mile conversion or to use for points + cash stays at SPG) plus want SPG because even if we don't convert the bonus to airline miles it is like having a 1.25x point airline mile card which is better than the Citi Cards
Ink Plus because hoping to use the one inquiry from BA and might as well, biggest offer on the business side for Chase
SPG Biz for same reasons, going to have the inquiry so might as well try to get more points

Other cards considered:

Chase United MileagePlus Explorer - because of Chase inquiries, but I'm guessing with her currently holding Freedom and Marriott and being an AU on Amazon, only room for maybe two cards with Chase? Might have to give up the Freedom and/or spread credit lines to get the ones above anyways.
BOA Alaskan Airlines - 30k miles instantly on approval, $75 AF - felt I might be pushing my luck with the inquiries if we throw another one there from BOA, plus 30k miles is okay but not ideal compared to other offers. Really wish the BOA/BOH Hawaiian combo was still around.
Citi Hilton Hhonors - Not because Hilton points are worth much but because it is a no-fee card with some category bonuses that she could use over the long run to increase account age. However, what I've read on FT re:the Citi AA Platinum Visa above is that Citi now won't let you do a personal and a business back to back, have to separated by 65+ days.

Questions:

Should I cancel the AMEX Biz Gold now or use it as bait to cancel to get the AMEX SPG cards?
Should I cancel her US Airways card? It has an annual fee and would bring her total account age up if I am doing my math right. She's already gotten all the bonus opportunities possible on the card. I have one as well (that I'm considering dropping in February) so if we travel on US Airways for the near future we have a few more months of bag-fee coverage.
Should I cancel her Citi Visa just to be sure? Planning on keeping the AMEX for Small Business Saturday to help offset part of the AF.
Any other cards I missed?
Any flaws in the plan that you see?

AOR Deals
g: 0 Posted By: DaysFan
Views: 1 Replies: 0 ↵Kenmore 7.3-cu. ft. Steam dryer $799.99 SUPER BUY http://www.shoplocal.com/sears.fphttp://www.shoplocal.com/sears.fpOffer valid 8/25/2013 through 8/28/2013
*Available in storeReg. $1399.99SAVE 42% on the pair


Kenmore 3.7-cu. ft. Steam washerSears Item# 02641373000 | Model# 41373$799.99 SUPER BUY
washerOffer valid 8/25/2013 through 8/28/2013Reg. $1399.99SAVE 42% on the pairOptional pedestals sold separately.

Gas dryer priced higher. Optional pedestals sold separately.

PlKenmore is America's # 1 appliance brand, trusted in the homes of more than 100 million AmericansSpend less time doing laundry with the Kenmore steam front-load washer 41372 with the Accela-Wash option, which gives you the option of speeding up 7 of this washer's 10 cycles by up to 35%. This Kenmore washer has a built-in heater that produces steam to remove stains by deeply penetrating fabricsit virtually eliminates the need to pre-treat stains. And it has an energy-saving option that you can use with the Normal and Heavy-duty cycles that lowers the wash temperature and increases the wash time, so clothes get clean using up to 30% less energyThe stainless-steel Kenmore 4137 front-loading steam washer takes advantage of technologies such as Kenmore Connect, which can troubleshoot some problems over the phone, and Smart Motion, which uses motions such as rolling, tumbling, stirring and cradling, depending on the cycle you select. Its 1,2000 rpm maximum spin speed extracts water from garments so they need less drying, also saving energy. Sound insulation and an anti-vibration system keep this Kenmore top-rated front-load washer quiet, so you can install it near living areas and bedrooms.Read what http://www.consumerreports.org/cro/2013/04/find-the-best-washing-machines/index.htm says about the Kenmore and another brands.

The Kenmore 41373 3.7 cubic-foot steam front-load washer features Accela-Wash, which gets clothes cleaner, faster by making select wash cycles up to 35% faster*
Steam Treat uses the power of steam to virtually eliminate the need to pre-treat stains
Kids Wear cycle tackles tough soils and stains and adds a second rinse to help protect sensitive skin
10 wash cycles give you plenty of choices, so you can get each load as clean as it can be, while still pampering fabrics
The built-in water heater raises the water temperature for the Sanitize cycle
Maximum 1,200 RMP spin speed removes excess water from the load, so it dries faster

* Compared to an 8-pound load using Normal cycle without Accela-Wash feature activatedus Members Get $70 Back in PointsMembers Only*Offer valid 8/25/2013 through 9/8/2013Plus members get $70 back in points (70,000 points) When you purchase appliances totaling $499 or more plus delivery with your Sears card. *Members earn Points on Qualifying Purchases, excluding sales taxes and other fees. Subject to full program terms available at www.shopyourwayrewards.com. Must remain opted-in to receiving promotional emails from SHOP YOUR WAY REWARDS(SM) 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.shopyourwayrewards.com for details. Offer not combinable with any other points offers. Total points awarded for all qualifying purchases is 70,000 and includes any base points and Sears card 2% in points earned

Plus Members Get $70 Back in PointsMembers Only*Offer valid 8/25/2013 through 9/8/2013Plus members get $70 back in points (70,000 points) When you purchase appliances totaling $499 or more plus delivery with your Sears card. *Members earn Points on Qualifying Purchases, excluding sales taxes and other fees. Subject to full program terms available at www.shopyourwayrewards.com. Must remain opted-in to receiving promotional emails from SHOP YOUR WAY REWARDS(SM) 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.shopyourwayrewards.com for details. Offer not combinable with any other points offers. Total points awarded for all qualifying purchases is 70,000 and includes any base points and Sears card 2% in points earned
Mortgage Payoff
Added on : Friday August 23rd 2013 05:00:15 AM
g: 0 Posted By: Everglader
Views: 45 Replies: 2 So - I was hoping I could get some input on a decision regarding my mortgage.

I recently sold a home where I took out aconsiderable amount of equity (eg. 250K). I then purchased a home with a 20% down payment at a 5-Yr ARM at 2.7%. The balance of the mortgage on the new home is approx. 250K. I'm planning on putting my equity to work over the next 5 years until the ARM potentially readjusts. The ARM can increase at the 5 year point by 2% points and will then be locked in for another 5 yr period.

How would you invest theequity to minimize risk (knowing you might want to payoff in 5 years) and maximize return.

Thanks in advance to any recommendations.
Personal Finance Deals
g: 0 Posted By: tedhawkins
Views: 1 Replies: 0 GoPro Wi-Fi Remote (worth $70) Free with GOPRO HERO3 Silver Edition HD Video Camera $299.99 FShttp://www.westmarine.com/webapp/wcs/stores/servlet/Product1_111...The HERO3: Silver Edition boasts the same high performance specs as the famous HD HERO2 camera it replaces, yet it has built-in Wi-Fi and is 30% smaller and 25% lighter. The HERO3: Silver Edition is wearable and gear mountable, waterproof to 197' (60m), and is capable of capturing ultra-wide 1080p 30 fps and 720p 60 fps video plus 11MP photos at a rate of 10 photos per second.
Smaller, Lighter...Better
Weighing in at a scant 2.6 ounces, the HERO3: Silver Edition is 25% lighter and 30% smaller than the HD HERO2 camera it replaces.
Professional Quality Video
The HERO3: Silver Edition captures professional quality video at 1080p-30, 720p-60, 960p-48 and WVGA-120 resolutions and frame rates.
Professional Quality Photos
The HERO3: Silver Edition captures 11MP still photos and has a burst capture rate of 10 frames per second. Time-lapse photo capture mode enables automatic photo capture at 0.5, 2, 5, 10, 30 and 60 second intervals.
Improved Sharpness, Less Distortion
The HERO3: Silver Edition's reduced-distortion aspherical lens combines with user-selectable 1080p Ultra-wide, Medium and Narrow field-of-views to deliver more perspective-capture options than are available on the White Edition camera. The totally updated flat-lens waterproof housing delivers stunning image sharpness both above and below water.
Redesigned Audio System
Understanding that sound quality is as important as image quality, GoPro engineers completely redesigned the HERO3: Silver Edition to be as adept at capturing the subtle, natural sounds of voice and music as it is at capturing the immersive sounds of sport. Also improved is GoPro's already famous wind-noise reduction, ensuring that you'll hear more of your passion, be it your engine or expletives, and less of the wind during high speed activities.
Built-in Wi-Fi
The HERO3: Silver Edition features built-in Wi-Fi and is compatible with both the Wi-Fi Remote (optional accessory) and the GoPro App. The Wi-Fi Remote (not included) is a waterproof, wearable remote control that can control up to 50 Wi-Fi-enabled GoPros at a time from a range of 600'. The HERO3: Silver Edition's built in Wi-Fi means it can also be controlled by iOS smartphones and tablets running the GoPro App*. The GoPro App enables full camera control and live scene preview on any compatible iOS smartphone or tablet. *A software update for your HERO3 camera is required before using the GoPro app. GoPro app compatibility with the HERO3: Silver Edition will be available November 12, 2012. Click here to update your HERO3 product software.
The HERO3: Silver Edition is compatible with all GoPro mounting accessories and older generation BacPacs along with the newer generation LCD Touch BacPac and 2nd generation Battery BacPac. However, as all HERO3 cameras have a new size and shape and are not compatible with HERO2 housings.
What's Included
HERO3: Silver Edition Camera
197/ 60m Waterproof Housing*
Rechargeable Li-ion Battery
QR Buckle
J-Hook Buckle
3-Way Pivot
1 Curved Adhesive Mount
1 Flat Adhesive Mount
Assorted Mounts and Hardware
USB Charging Cable
Key Benefits
Wearable, mountable design
Immersive, wide angle capture of your favorite activities
Professional quality HD video & 11MP photos
Built-in Wi-Fi enables remote control via included Wi-Fi Remote or live video preview and remote control on smartphones and tablets running the free GoPro App.
Rugged housing is waterproof to 197/60M and captures sharp images above and below water
Compatible with all GoPro mounts for attaching to gear, body, helmets, vehicles and more
Compatible with LCD Touch BacPac and second generation Battery BacPac
Backwards compatible with older generation BacPacs
New advanced camera settings: Looping video, Manual White Balance control (in Protune mode only).
Key Specs
Professional 1080p 30 fps / 960p 48 fps / 720p 60 fps and more video capture
11MP photo capture with 10 fps burst
Wi-Fi Built-In
Wi-Fi Remote Compatible (sold separately)
GoPro App Compatible (FREE)
197/ 60m Waterproof Housing*
Assorted mounts and hardware included for attaching to helmets, gear and more
Optics
Ultra sharp /2.8 6-element aspherical glass lens
Ultra wide angle / reduced distortion
Photo Modes
11, 8, 5MP resolutions
Burst: 10 photos per second
Time-lapse: 0.5, 1, 2, 5, 10, 30, 60 second intervals
Battery & Charging
1050mAh rechargeable lithium-ion
Charge via USB
NOTES
Extreme cold temperatures may decrease battery life. For use in these conditions it is suggested to keep camera in a warm place prior to use.
To maximize HERO3 battery life when shooting longer duration activities, it is best to use camera without LCD Touch BacPac attached and make sure Wi-Fi is turned OFF.
Using protune mode will increase power consumption. May vary per mode and camera edition.
Audio
Mono, AAC compression w/ AGC
Supports optional 3.5mm stereo mic adapter * *
Storage
Memory:
Class 4 and higher required, Class 10 for .5 sec Timelapse and 10/1 Burst
Up to 64GB capacity supported
Record times will vary with resolutions and frame rates
Included Cables
USB charging cable
Optional Cables + Adapters*
Micro HDMI cable
Composite A/V cable
3.5mm stereo mic adapter
Operating System
Microsoft Windows
Vista, 7 and later
Mac OS X 10.5 and later
For Best Playback Experience on Mac and PC:
Minimum System Requirements:
An Intel Core i5 or Intel Core-2 Quad system with discrete NVidia or ATI cards
4GB RAM
Updated/Latest version of default video player from Microsoft** or Apple
TWC faces class action suits over loss of channels.
Added on : Thursday August 15th 2013 09:00:18 AM
g: 1 Posted By: StevenColorado
Views: 424 Replies: 4 Wow. If these lawsuits are successful, then there are some serious implications for subscription providers.Classically, subscription providers contractually agree to provide phone usage or TV access for a specified period of time at a specified rate, and then continue to require the same monthly payment even if the service is down or not as complete as it was when the contract was signed. If you call and complain, they give you a bit of a price break. If you don't call, they don't. While this does give users a window to break their contracts, not many use that.If the lawsuits prevail, then providers would be forced to accede to revenue increase demands from content providers instead of simply suspending service during negotiations, and they couldn't add new arbitrary fees as a new revenue source.
General Economics Deals
Ride Buckwild Snowboard 2013 $242 Shipped
Added on : Thursday August 15th 2013 06:00:10 AM
g: 0 Posted By: tedhawkins
Views: 189 Replies: 0 Ride Buckwild Snowboard 2013 $242 Shippedhttp://www.eternalsnow.com/steal-of-the-day.htmlRide Buckwild Snowboard | 2013As the go to competition deck for much of the Ride team, you'll see Ladley in the half pipe, Darrel slaying rails and Seb going huge while strapped on this wild Ride. Designed to push park limits, Ride's Twin Rocker shape has minimal rocker with a long, stable flat zone that extends well beyond the inserts into the tip and tail. Providing supreme landing control and pop, this Ride features Slimewalls, Pop Rods 2.0 and Cleave Edge for a smooth-riding durable deck built to lap the park like the pros.The 2012-2013 Ride Buckwild Snowboard key features:Twin Rocker - This twin shape has minimal rocker featuring a long stable flat zone that extends well beyond the inserts into the tip and tail. This board profile is dialed for hitting features from big booters to rails, and everything in between.Pop Rods 2.0 - Ride's Pop Rods give already fun and playful boards the added liveliness to set them apart from the competition. Using strategic placement in the tip and tail, this technology adds pop without excessive stiffness generally associated with snappy boards. Made up of flat carbon rods that wrap a urethane slime-core, Pop Rods have carbon for massive pop and a slime-core to smooth out the landings. Available in two levels: Pop Rods 1.0 and 2.0, offering more carbon in each increased level.Carbon Array 3 - This power distribution technology provides total board control in every stance location. Widespread carbon stringers at the binding zone gather input from any stance width and all pressure angles. Rider input is then transferred to the opposing contact point for maxed out board control. Three levels of technology are available from 3, 5, to 7 rays.Slimewalls - Rides exclusive Slimewalls are forgiving and ductile, absorbing impacts rather than defending against them. Just like skate wheels, the urethane in Slimewalls smoothes the interaction with the snow, wood, or metal surfaces you may ride on. On top of that, these sidewalls are virtually indestructible, the most durable in the industry.Hybrid Glass - Triaxial on top, biaxial on base, balanced torsion and stiffness for better response with speed.Thin Con - Featuring tapered tips and tails, enhanced tip flex, reduced swing weight and sidewalls that run past the effective edge, Rides Thin Construction sets riders up for easy spins and board handling. Cleave Edge - Nearly 50% more steel, the cleave edge provides an unmatched resistance to edge cracking and can be detuned to larger radii.Fusion 4000 Base - This sintered base is more durable and harder than extruded and is the fastest base material known.PROFILE: Twin
RIDING STYLE/ TERRAIN: All-Mountain/ Freestyle
BASE: Fusion 4000 Base
CORE: Pop Rods 2.0 with Carbon Array 3
SIDEWALL: Slimewalls
STANCE: Centered
FLEX RATING: 6 (Medium/ Medium-Stiff)- Twin Rocker Profile
- Hybrid glass
- Thin Con
- Cleave Edge
- 2x4 InsertsSizing: 153, 155, 157, 159, 159W, 162Wcm
Sports & Outdoors Deals
g: 0 Posted By: joe606
Views: 227 Replies: 0 A flash deal at 1SaleADay.comhttp://1saleaday.com/flash/tf300t-b1-bl-bundle/Condition: Manufacturer Refurbished
Packaging: Brown Box
Warranty: 90 Day
Manufacturer ASUS
Model: TF300T-B1-BL/TF300-Dock
ASUS Transformer Pad 10.1" Tablet w/ Keyboard Converter Dock, Android 4.0 OS, 32GB Storage, & 8MP Camera! ASUS Transformer Pad Tablet Features Include: Download your favorite apps, communicate with friends, browse the web, and get all your work done on this high-speed HD tablet
10.1" WSVGA (1280x800) Super IPS+ capacitive multi-touch LED touchscreen
178 viewing angle
Android 4.0 Ice Cream Sandwich Operating System
1.2GHz NVIDIA Tegra 3 Quad-Core Mobile Processor (CPU)
1GB of DDR2 SDRAM
32GB internal flash memory (upgradeable via microSD card slot with support for up to 32GB)
Bluetooth 3.0
Sensor: GPS, gravity sensor, e-compass, light sensor, gyroscope
Webcam: 1.2MP (front) and 8.0MP (rear)
22Wh lithium polymer battery (up to 10 hours battery life)
Wireless: 802.11b/g/n @ 2.4GHz
Bluetooth v3.0+ EDR
Storage: 32GB eMMC flash
Card reader: microSD card reader
Connectivity: mini HDMI, headphone/mic jack, 40-pin docking port for optional keyboard (keyboard not included)/docking station
Dimensions (Width x Height x Depth): 10.4 x 7.1 x 0.4
Weight: 1.4 lbs.ASUS Transformer Pad Mobile Dock Features Include: Compatible with Asus TF300T
Charges your tablet and props it up, allowing for ease of use
Keyboard offers an alternative to touch-screen typing, allowing fast and easy usage
Makes it easy to work, watch movies, and browse on your tablet
Increases battery life by up to 15 hoursPackage Includes:
ASUS Transformer Pad 10.1 Display Tablet with Keyboard, Cables, and Users Manual.
Android Tablets Deals

1SaleADay Coupons
Wenzel Biscayne 14 x 12ft Peak Height 84in $125.99 @ www.kmart.com
Added on : Wednesday August 14th 2013 04:00:07 AM
g: 0 Posted By: jaymanthegreat
Views: 188 Replies: 0 Wenzel Biscayne 14 x 12ft Peak Height 84in
NEW Item !| | Sears Item# 00659149000 | Model# 36512
In Stock from Sears Reg Price: $139.99 Savings: $14.00 Product Description:Protect yourself from mosquitoes and excessive sun whether you're at the campsite or in the backyard with the Wenzel Biscayne Screen House. The Biscayne features shock-corded fiberglass roof poles with steel frame uprights and with plastic corner hubs, allowing for straight walls and more interior space, and a fast feet pole connection system which results in a quick setup. Keep cool and protected from the elements and bothersome mosquitoes in your backyard with the Wenzel Biscayne screenhouse, which measures 12 by 14 feet. It features durable Weather Armor polyester, which protects against water and UV rays, helping to increase the life of the screenhouse. Set up is a breeze thanks to the chaincorded enamel coated steel frame and multi-spoked center hub.http://www.kmart.com/wenzel-biscayne-14-x-12ft-peak-height-84in/...
Camping Deals

Kmart.com Coupons
g: 0 Posted By: bittul
Views: 235 Replies: 0 Osh Kosh has their many of their Jeans (msrp $30) on sale as doorbusters for $10 (little kids) or $12 (big kids).This is a great price, but shipping (flat rate $6) kind of kills the deal... So I tried stacking with coupon codes, but all of them exclude "doorbuster specials"... BUT I finally found a code that despite stating "not valid on doorbusters..." works!Stack with code GBTSFV1C or BGBTSFV1 for another 25% off orders over $40. This more than compensates for the shipping costs!Shipping is a flat rate $6, so the price per jean is slightly cheaper with the increase in quantity.-sort by price to see the $10/$12 ones on top-Baby Girl Jeans: http://www.oshkosh.com/oshkosh-baby-girl-jeansBaby Boy Jeans: http://www.oshkosh.com/oshkosh-baby-boy-jeansKid Girl Jeans: http://www.oshkosh.com/oshkosh-kid-girl-jeansKid Boy Jeans: http://www.oshkosh.com/oshkosh-kid-boy-jeans
Kids Clothes Deals

OshKosh B'Gosh Coupons
g: 1 Posted By: tedhawkins
Views: 345 Replies: 0 the north face Hedgehog III Gore-Tex XCR Low Shoes for Men $67.95 + Free shippinghttp://www.sunnysports.com/p-nfch3gm/the-north-face-hedgehog-iii...Designed for multisport athletes and adventure racers, this lightweight, low-profile hiking shoe is optimal for all-terrain use. It's lightweight, waterproof, breathable and durable. Added mesh panels on upper increase breathability Crucial on long treks. Grippy Vibram outsole aids with footing over slick, uneven terrain.
Shoes Deals

Sunny Sports Coupons
g: 0 Posted By: KidCharliemain
Views: 94 Replies: 0 This is a rare Microcenter deal that EVERYONE can get in on because it's also available online, not just brick & mortar locations. Apparently MC bought a few train cars full of these because they seem to have tons of stock on hand. There are two (one full ATX & one micro ATX) computer cases available where you can get great features and save minimum 50% over retail pricing.First is the full ATX case, the Vortex 3620 ATX mid-tower is priced at $24.99. Black metal inside and out, it is a budget light weight full ATX case with tool less installation mountings, two 3 pin 120mm fans installed one front one rear (I'm pretty sure the front fan is LED but I haven't hooked up a PSU to it yet so I can't swear to that fact), front ports for HD audio USB and eSATA. In fact it's identical to THIS CASE that Newegg is selling for $48.99 plus shipping except for one major difference: the version at Microcenter has two front USB2 ports plus two front USB3 ports with an actual USB3 motherboard header instead of the cheap pull through cables you find on most 'USB3 capable' low end cases. You can see this in the pictures on the MC web page and I've verified it in person. You also get external front eSATA. The major drawback to this case if you purchase it instore is it comes without a box (just a plastic bag with the SKU tag on it), so you need to check it thoroughly for damage before you take it home.Next is the micro ATX Systemax SuperMicro 731i-300B Black Pedestal Server Case with 300 Watt Switching Power Supply priced at $29.99. I can't emphasize enough how high the quality is on this case. Except for the big obnoxious 'Systemax' branding on the front, it is identical in every other respect to THIS CASE that Newegg is currently selling for $90.99 plus shipping (and that's on sale, normal price is $109.99 plus shipping). The case itself is exceptionally high build quality (Antec level), it includes a single 92MM PWM (four pin) exhaust fan that could be repurposed as a CPU fan, can fit full length video cards, and includes a PFC 80+ Bronze efficient Ablecom 300 watt power supply (as referenced at SilentPC Review and SuperMicro's website). The power supply has four SATA connectors on two separate lines. Awesome case that cannot be matched at this price, the only drawbacks are no external front USB3 (it does have two front USB2 ports) and no external 3.5" bay (but it does have two external 5.25" bays which could be used with 3.5" adapters).Now here's the part that REALLY rocks; both of these cases are available online, when added to cart the shipping charge shows $5.99- for the first case. Add another and the shipping charge increases by 99 to $6.98. Add a third and the shipping charge increases another 99 to $7.97. Add a FOURTH and your shipping charge bumps up another 99 to $8.96! I dropped 10 cases into my cart as a test and the shipping charge showed as $14.90. Tax is YMMV, I live in Illinois where there are two MC B&M locations but if your state doesn't have a B&M you may not have to pay sales tax. If you build systems for a living (or know someone that does) you really need to consider stocking up on some of these cases right now.
Computers Deals
g: 0 Posted By: DonkeyMonkeyDog
Views: 6 Replies: 0 15 years ago, when I was young and irresponsible, I defaulted on my American Express Optima card, on something like $6000. Today, older and wiser, my credit is strong, and my credit score is around 750. About 6 months ago, I applied for an American Express Blue Cash card---and to my mild surprise, I got approved (!) for a $2000 credit limit.I've since learned that they "re-opened" my account with them. On my credit report, the American Express card is listed as being opened about 17 years ago.I've applied for a credit line increase through American Express, and I get turned down. The stated reason: "Your American Express account(s) indicated previous delinquencies."Did American Express make a mistake in granting my a credit card at all? Did they make a mistake in "re-opening" my Optima card?And, will I ever, ever, ever get a credit line increase?Yes, I tried their re-consideration line. No luck.
Personal Finance Deals
Employers that respect employees
Added on : Sunday August 11th 2013 04:00:11 AM
g: -1 Posted By: Solomon960
Views: 132 Replies: 4 While TDY in Texas, I spoke with a fellow soldier who mentioned something novel about an employer: Hannaford Bros Co, a grocer in the northeast, gives employees a $0.25 raise every six months. In theory, without being promoted and starting one's career at minimum wage ($7.25), one could double his/her earnings in 14.5 years simply by being a steady, dependable employee. Ironically, comparing Hannaford to a retailer I have worked at for 14.5 years, my earning ability has only increased less than $3 despite being promoted to middle management. Needless to say, inflation has taken quite a bite out of my take-home pay over that time. Even if I stayed another 14.5 years, I would never see a $14/hour wage - they just don't exist in my firm.Tales like Hannaford rewarding employees for be loyal and responsible give great credit to the realm of private employers. Until Hannaford, I had not heard of any semi-national employer being so kind to its workers.I am curious if other fatwalleters know of similar employers who understand the principle of "treating employees well leads to increased profits." If so, please share what your employer (or any employer) is doing to genuinely boost employee morale, ensure workers can pay their bills, and/or to allow employees to prepare for retirement.Thank you.
Personal Finance Deals
Lowes $199 DEWALT 4-Tool 18-Volt Compact Cordless Combo Kit
Added on : Saturday August 10th 2013 02:00:04 PM
g: 0 Posted By: DaysFan
Views: 183 Replies: 0 TextDEWALT 4-Tool 18-Volt Compact Cordless Combo Kit Now $199 Save 43% thru 08/12/2013
was $349 Aug 8 thru Aug 12
DEWALT 4-Tool 18-Volt Nickel Cadmium Cordless Combo Kit
http://www.lowes.com/
Item #: 79897 | Model #: DCK425C
4-Tool 18-Volt Nickel Cadmium Cordless Combo Kit
Includes -in compact drill/driver, reciprocating saw, -in impact driver, 18-volt pivoting head flashlight, two 18-volt batteries, 1-hour charger and contractor bag.
Compact 1/2-in compact drill/driver generates 410 unit watts out of maximum power for premium performance.
-in impact driver delivers 1,330 in-lbs of torque to perform a wide range of fastening applications and superior power. 0-2400 RPMs for faster application speed.
18-volt cordless reciprocating saw features a keyless blade clamp that allows for quick blade changes without touching blade or reciprocating shaft.
18-volt pivoting head flashlight allows light to be projected in any direction for increased visibility.
NiCad batteries provide extended runtime and are backed by a 3-year warranty.
1-hour charger provides quick charges
Tools Deals

Lowe's Coupons
Settings for bank's privacy policy
Added on : Saturday August 10th 2013 02:00:04 AM
g: 0 Posted By: levander
Views: 6 Replies: 0 I really despise it when unsolicited companies contact me for marketing purposes. The only type of company that's ever contacted me like this with a good deal are banks.In the past, I've always limited information sharing anywhere I could according to a bank's privacy policy. Not always, but usually these are the settings where they let you limit sharing:For our affiliates' everyday business purposes information about your creditworthiness
For our affiliates to market to you
For non affiliates to market to youHowever, after having recently gotten a Chase Freedom card, Chase told me their affiliates are the other banks in their family of companies. Like one affiliate is Chase Bank, their credit company. Another affiliate is JP Morgan Chase, their deposits company.So, I'm thinking I need to go back and change my privacy policy settings at all banks where I may be interested in using other services at their bank... if I want to increase my odds of getting a good offer in the mail.But definitely limit that non-affiliate marketing. No way anything good ever comes of that? Just a bunch of annoyances.But I wondering, without having to contact each and every bank I have a credit card or other account with, are affiliates always other banks owned by the same company? The word affiliate is pretty loose. Like if I go over to Amazon.com right now and sign up as an Amazon Associate so that I can make money by linking to their site, Amazon considers me one of their "affiliates". Do banks always use the term affiliate so strictly like Chase does?Other thoughts on banks' privacy policies appreciated.
Personal Finance Deals
g: 0 Posted By: Butcherboy
Views: 165 Replies: 0 Made In The USAhttp://www.sears.com/craftsman-d-handle-digging-shovel/p-0718352...( Full Lifetime Warranty ) This D Handle Shovel Cuts through Compacted SoilFeaturing an advanced serrated blade and a rugged 14 gauge steel build topped with a wide Power Step surface that transforms your downward pressure into rapid motion, this Craftsman shovel delivers superior cutting power. Whether youre turning a garden bed, digging a trench to support drainage or putting up a basketball hoop, this shovel makes short work of soil. Equipped with a rugged fiberglass handle, it delivers lightweight speed with heavy duty leveraging capabilities. A solid addition to any yard, get that hole dug with Craftsman.Craftsman D handle shovel features a heavy-duty 14-gauge blade
Patented power step feature provides a secure foot placement and increased digging leverage
Serrated edge cuts through tough turf
Steel-reinforced fiberglass handle delivers toughest head to handle connection on the market
Manufactured in the USA
Garden Deals

Sears Coupons
g: 0 Posted By: lovelybones
Views: 30 Replies: 0 linkFull Description
This USB to Lightning Connector Cable pack provides maximum power, speed, and interference-free syncing for all of your newest Apple devices. This pack of three cables provides all the power necessary for optimal charging and efficient operation. Plus, these USB to lightning connector cables are designed to provide increased bandwidth to eliminate slow syncing speeds. Painstakingly assembled and tested to ensure reliability and quality performance. Each cable features a flexible outer covering and durable wiring to outlast even the strongest competition. Also, specially designed to increase connectivity and conductivity, these cables are equipped to provide smooth data transfers while eliminating interference. Full Specs - Compatible with All Apple device with Lightning port, including iPhone 5, iPod Touch 5th, iPod Nano 7th, iPad 4th Gen and iPad Mini - Pack of 3 Lightning to USB cables that fully supports charging and synchronization of the iPhone/iPods/iPads to any PC/Mac computer or laptop. - 1M/3FT long design provides the reasonable length to use your newest iPhone iPods & iPads while being attached for charging. - The glossy finish on the cable tips and the rubberized cable skin makes the cable as solid as original one.
Samsung 14" Laptop i5-3210m/8GB/750GB/Win8 - $407.99 @bestbuy
Added on : Tuesday August 06th 2013 08:00:03 AM
g: 0 Posted By: jessesally
Views: 192 Replies: 1 http://www.bestbuy.com/site/Samsung+-+14%22+Laptop+-+8GB+Memory+-+750GB+Hard+Drive+-+Silver/6770111.p?id=1218806576749&skuId=6770111&strId=349&strClr=true
WHAT'S INCLUDEDSamsung 14" Laptop - 8GB Memory - 750GB Hard Drive
6-cell lithium-polymer battery
Power cable
Owner's manual
PRODUCT FEATURES3rd Gen Intel Core i5-3210M processor
Features a 3MB L3 cache and 2.5GHz processor speed with Turbo Boost up to 3.1GHz.
Intel Core i5 processor
Features smart 4-way processing performance with a speed boost.
Intel Turbo Boost Technology
Delivers extra performance when you need it and increased energy efficiency when you don't. Intel HD graphics provide extra graphics power for your laptop when you need it.
8GB DDR3 memory
For multitasking power.
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.
14" LED high-definition widescreen display
With a matte finish, 300 cd/m SuperBright technology and 1366 x 768 resolution showcases movies and games in stunning clarity.
Intel Wireless Display
Wirelessly transmits streamed or downloaded movies, TV shows, music, photos and more from your laptop, network or the Internet to your TV (NETGEAR Push2TV adapter required, not included).
750GB Serial ATA II hard drive (5400 rpm)
Offers spacious storage and fast read/write times.
Intel HD Graphics 4000
Feature shared video memory for lush images with intricate detail. HDMI output for flexible connectivity options.
Built-in 1.3MP high-definition webcam and microphone
Make it easy to video chat with family and friends.
3-in-1 media reader
Supports Secure Digital, Secure Digital High Capacity and SDXC formats.
2 USB 3.0 ports and 1 USB 2.0 port
For fast digital video, audio and data transfer.
Built-in Intel Centrino Advanced-N 6235 high-speed wireless LAN (802.11a/b/g/n)
Connect to the Internet without wires.
Bluetooth 4.0 interface
Easily link with other Bluetooth-enabled devices, such as a mobile phone or MP3 player.
Built-in Gigabit Ethernet LAN
With RJ-45 connector for quick and easy wired Web connection.
Weighs 4 lbs. and measures just 0.8" thin
For lightweight portability.
Microsoft Windows 8 64-bit operating system preinstalled
Provides a stable platform for word processing, Web navigation, gaming, media storage and more.
Software package included
Includes 1-month trial of Microsoft Office 365.
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.
Intel, Pentium, Celeron, Centrino, Core, Viiv, Intel Inside and the Intel Inside logo are trademarks or registered trademarks of Intel Corporation or its subsidiaries in the United States and other countries.
Laptops Deals

Best Buy Coupons
Options with Pension
Added on : Tuesday August 06th 2013 06:00:07 AM
g: 0 Posted By: depalma13
Views: 58 Replies: 2 Our company is doing away with traditional pensions. Because of my age, I'm 42, I have been given the option of having an extra 3% added to my 401k or maintaining the current pension. The pension is not transferable to my wife if I die.Currently, I would receive a monthly check of around $400 at age 65. If I work until I'm 60, that monthly check would be nearly $3000 as the benefit increases rapidly in the years between 50 and 60.This is a private company.Any thoughts on taking the extra 3% vs continuing with the traditional pension?
Personal Finance Deals
g: 0 Posted By: lwlee
Views: 81 Replies: 0 I just bought a refurbished Motorola SB5101 modem off of eBay for $16 shipped. TWC recent monthly modem fee increase from $3.99 to 5.99 was the last straw especially after the original $3.99 fee had been instituted for less than a year. I'm on the Lite plan so a DOCSIS 2.0 is all I really need. Replacing an Arris TM620A. In less than 3mos, I will have recouped the price of the modem. Plus I'm getting a 10% increase in d/l speed because the Motorola is better engineered.Lite/Standard plans only require a DOCSIS 2.0 otherwise I would have been tempted to try a DOCSIS 3.0 with its bonded channels to see what kind of added performance I would have gotten.Link to one of many eBay deal on the SB5101Gizmodo article that lists approved modemsTWC installation guide when you switch modems
Networking Deals
g: 1 Posted By: remick
Views: 107 Replies: 1 http://www.amazon.com/dp/B00CI75ZGMPublication Date: April 24, 2013
This book highlights the risk of inaction for businesses when it comes to climate change, but also contains best practices to allow them to capitalize on the numerous business opportunities that climate change presents, including increased profitability, enhanced brand value, and improved shareholder relations. The first section contains practical actions and real-world case studies of companies, such as Yakima, Sun Microsystems, and Lockheed Martin, that have successfully improved their climate performances, enhanced brand value, and increased profitability at the same time. The second and third sections of this book focus on the various risks that companies face from potential carbon regulation and the market factors forcing businesses to take action, whether they want to or not.
Books Deals

Amazon Coupons
g: 6 Posted By: archena
Views: 2783 Replies: 3 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase.YouTube Video Marketing Secrets Revealed: The Beginners Guide to Online Video Marketing [Kindle Edition] was $9.97Montina "Sparkwisdom" Portis (Author)http://www.amazon.com/dp/B00E34F0ZOPublication Date: July 21, 20136 Reviews ★★★★★#1 in Kindle Store > Kindle eBooks > Business & Investing > Management & Leadership > Training
Do you want to be a YouTube Rockstar?
Do you want to get more views and subscribers on YouTube?
Do you wish you could get your YouTube videos to rank #1 in Google and YouTube?Want an EASY to read, simple to implement book that will empower you to make the impact on YouTube that YOU want? In life, we are all looking for a roadmap and Montina "Sparkwisdom" Portis has done just that for you. She started on YouTube in 2009 and in a few short years has built up a strong subscriber base of over 10k and has over 1.5 million video views. This book will teach you not only how to share your business, life and build memories - it will show you to make PROFITS doing it with YouTube video marketing.Ready to learn the #1 Mistake People Make and How You Can Use it to Your Advantage so that You Can Get More Views & Subscribers, Build Traffic and Make Money Online?According to YouTube statistics,
-More than 1 billion unique users visit YouTube each month
-Over 6 billion hours of video are watched each month on YouTubethat's almost an hour for every person on Earth, and 50% more than last year
-100 hours of video are uploaded to YouTube every minute
-According to Nielsen, YouTube reaches more US adults ages 18-34 than any cable networkThis book is for the person that:
*Is interested in YouTube but does not know how to get started
*Wants to see results in their YouTube Video Marketing
*Is an intermediate or advanced user that wants to get even more views and subscribers and learn how to build traffic
*Internet Marketers and bloggers that want to know how to effectively use YouTube in their video marketing in their strategy
*Wants to learn 12 ways to increase their YouTube views, grow subscribers, drive traffic and build a list
*Wants to use YouTube and video marketing to market their business
*Wonders how they can get more views and subscribers
*Wants to get their message of hope out to the world and has no idea where to start
*Dreams of sharing a message of hope with the world
*Wants to learn how to build traffic to their website using YouTube
*Wants to choose the best title for their videos
*Is curious how to make money online through YouTubeSecrets will be revealedHere are some of the questions that are answered:
- How do I get more traffic to my website from YouTube?
- Please help me understand how Google monetizing my video is going to make me any money because I'm not seeing it.
- How do I optimize my site for more traffic?
- How do you keep people engaged?
- I'd like to know to choose an Intro/Outro and how to get a good video quality without buying a DSLR.
- How the search algorithm works so I can optimize my videos for the search results.
- How to get more views on the channel.
- How do I get more subscribers?
- How to use this platform to reach ideal clients.
- How to grow my channel and create dialogue with the viewers
- For the people that make money from using YouTube (mainly people without a personal/business website) what are their secrets/tip to doing so?
- How do I get my videos to show up on the first page in my topic?
- How I can I use it to build my business?What youve done worked for you but how do I know it will work for me? That is a self-limiting belief! Video marketing is proven to work! I already have a You Tube Channelwhy do I need to do this? You dont. You can spend 4 years figuring out what works like she did or you can put a plan in action to be intentional and learn how to make money online. I have a channel with no views. Why are you still reading this? Get the book!About the Author: Montina "Sparkwisdom" Portis is a "YouTuber" and teaches part-time entrepreneurs how to achieve full-time success so that they can create content, build traffic and convert their passion into profits! Montina Portis is an employeepreneur that specializes in Social Media, Video Marketing, Podcasting, Passive Income Streams and Teaching Online.About the Author
Montina teaches part-time entrepreneurs how to achieve full-time success so that they can create content, build traffic and convert their passion into profits!
Montina Portis is an employeepreneur that specializes in Social Media, Video Marketing, Podcasting, Passive Income Streams and Teaching Online.
Books & Magazines Deals
Tuition and Fee Expense
Added on : Sunday August 04th 2013 06:00:08 PM
g: 0 Posted By: rksaigal
Views: 150 Replies: 1 I am going in for a part-time MBA. I wanted to see if I could deduct the cost of tuition on my tax return. What I found was that I don't meet the requirements since our Modified Adjusted Gross Income (MAGI) crosses the income limit. Same goes for Lifetime Learning and American Hope. We are double income family. The MAGI is greater than that required by IRS to deduct the tuition fee as a line item on tax return form. Although I have been offered Federal Loan. But due to interest rate I have not accepted it. Also for the fact that it is does not help me on my tax form (because of MAGI). The approach I am thinking about is to take a dip in my 401k - No penalty and 4.5% interest (which I pay to myself). At the same time I will increase my 401k contribution which will also help me on my taxes.

Would like your comment if it makes sense or I am missing anything.
Personal Finance Deals
g: 0 Posted By: DaysFan
Views: 0 Replies: 0 Text
Macys.comNeatfreak Hampers, Everfresh Laundry Triple Sorter with Ironing Board
Color: No Color
$99.99
Enjoy 50% Off Select Storage & Organization by Neatfreak! Offer ends Sunday, August 18th. -$49.99
You just saved $49.99Keep the clean around the clock! The perfect system for sorting your whites, brights and more includes three separate cloth hampers that start freshening the moment you simply add dirty clothes. With EverFresh environmentally-friendly enzymes built into the fabric of the sorters, this storage system keeps your laundry room stink and stench free for a cleaner approach to cleaning.
Imported
Dimensions: 30.98"W x 32.99"H x 16.26"D
Three lift-off polyester bags with handles and convenient ironing board perfect for folding
Quick and easy to assemble with roll casters
Self-activating EverFresh microbes produce enzymes to attack foul odors
EverFresh microbes multiple and increase over time for a lasting freshness
100% natural process completely safe for people and pets
g: 0 Posted By: tedhawkins
Views: 59 Replies: 0 Greenworks 24102A 40V Cordless Lithium-Ion Two Speed Handheld Blower $137.98 + Free shippinghttp://www.rakuten.com/prod/greenworks-24102a-40v-cordless-lithi...$20 off $100 on Tools from CPO Outlets. Use promo code 20TOOLS at checkout. Ends 8/30/2013.The all electric operation of the Greenworks' line of tools provides not only reliable performance and dependability, but also offer a clean running alternative to gas powered tools as well. Each Greenworks' tool comes with a variety of performance and safety features that not only help you get the job done right, they also promise carbon emission free operation for a cleaner environment. Freedom from cords and gas combined with reliable performance help make the Greenworks' 24102A 40V Cordless Lithium-Ion Two Speed Handheld Blower an excellent choice for homeowners. Powered by advanced Lithium-Ion battery technology (Sold Separately), the 24102A's selectable Low and High speed settings deliver air speeds up to 150 MPH with its durable two speed electric motor. Its lightweight body increases unit control for precise clean up, and also helps reduce fatigue during extended periods of operation. The 24102A features an attachable extension tube to increase reach and cleaning capabilities, and as with all tools in the Greenwork's family, is 100% emission free for a clean and better environment. Long running 40V two speed motor provides reliable cleaning capacity. Two selectable speeds provide up to 150 MPH for increased clean up efficiency. Extension tube helps increase reach and blower efficiency. Lightweight design provides easier control over the unit. Cushioned over-mold grip increases operator comfort. Compatible with Greenworks standard and high capacity Lithium-Ion batteries. Ideal for light to medium duty clean up tasks. Note: 40V G-MAX and 40V Li-Ion Batteries are not cross compatible. Includes: 40V Cordless Lithium-Ion Two Speed Handheld Blower (Tool Only) - 24102A, 40V 4 Ah Li-Ion Battery, Charger, Blower Nozzle Attachment, Owner's Manual.
Features
Video FeaturesExtension tube helps increase reach and blower efficiency
Video FeaturesLong running 40V two speed motor provides reliable cleaning capacity
Video FeaturesTwo selectable speeds provide up to 150 MPH for increased clean up efficiency
AT&T Increases Spying on You--Opt Out
Added on : Friday August 02nd 2013 05:00:16 PM
g: 4 Posted By: MrKlick
Views: 154 Replies: 2 Just got one of those letters from AT&T that you are supposed to throw away without reading so the big Corp. can get away with things. See story at http://www.businessinsider.com/att-to-sell-location-data-2013-7Dated July 25, 2013 the letter tells about AT&T's new "external marketing & analytics reports" and "Relevant Advertising including 'Wireless Location Characteristics'"The claim is that no one can trace the data back to you. And, if you believe that I have a bridge to sell you ...Opt out by calling 866-344-9850.I just did it and suggest everyone else do so.We need a new law--info about you is your property.
Discussion Deals
Prepayment Date Recorded Incorrectly, What are next steps?
Added on : Friday August 02nd 2013 03:00:07 AM
g: 0 Posted By: welookgoodcom
Views: 26 Replies: 0 Got a 15 yr mortgage with first payment date as Aug 1, 2013. Made the initial payment with extra principal(calculated what I need to do to make it a 12 yr mtg) included and instructions on how to apply.The first payment was not to the bank (who officially took over loan on Aug 1st) but to broker. The broker acted as an agent of the bank. What broker did is separated my payment and prepayment, recording the payment as of 7/24 and the prepayment won't be recorded till sometime in August(so still not as of yet!). The bank (Sovereign) said till they receive payment from broker even if they cashed check, nothing is recorded.Spoke to Sovereign CS where the rep kept on telling me the interest accrued doesn't change regardless of prepayment. I understand I need to pay the same amount each month. But asking if hypothetically I paid down the balance by 50%, my interest accrued would be much less and more applied to principal. Both rep and supervisor said no..So they are clueless and I need to get someone higher up

My concern is this action will increase my interest charge since the principal balance is higher. While it's a few $$$, if you add it up to many customers. And who knows what other shadyness this will bring.This posting is to ask for advice on who to contact to get the mortgage service to act properly for issues such as this. BBB, Federal Reserve, etc when such a servicing issue comes up on a mortgage. I had issues with my student loans before (had a low fixed rate with IDAPP, new company, AES bought it and changed rate, needed federal agency to get them to fix it), so it looks like I need to be prepared with the mortgage as well.
Personal Finance Deals
2 Questions: Student Loan Payoff and Mortgage Refi
Added on : Tuesday July 30th 2013 08:00:04 PM
g: 0 Posted By: xkilldozer
Views: 18 Replies: 0 Here's the scenario:I have a $25K student loan at 4.95% variable.
Payments are about $160 a month.
I have $35K in my emergency fund.
Should I pay it all off right now and be done with it?My current mortgage is an FHA loan from 2010 at 4.5% and I'm paying $101 per month for insurance.
Property values have increased so if I refi it will be conventional.
Does it make sense to refi the mortgage to conventional, even at 4.5%, and save the $101 per month?
I expect my out of pocket to be around $1500 for the refi.If I do refi, are there any drawbacks if rates continue to drop and I try to refi again a year from now? Would it even be possible?Thanks!
About 30 Free Kindle Books
Added on : Tuesday July 30th 2013 12:00:03 PM
g: 1 Posted By: remick
Views: 217 Replies: 0 Healthy Chinese Soup by Katharine Koe [Kindle Edition]
http://www.amazon.com/dp/B00BMU61A0Best Ever Fruit Cobbler & Crisp Recipes (Best Ever Recipes Series) [Kindle Edition
http://www.amazon.com/dp/B00ARNKE7OTaste of Happiness - Homemade Ice Cream [Kindle Edition]
http://www.amazon.com/dp/B00AY1BMC0Wheat Free Recipes: For Wheat Free Diets (Diet Recipes) [Kindle Edition
http://www.amazon.com/dp/B00C100CTGExtra Lettuce: Manage Your 401K Now to Avoid Flipping Burgers Later [Kindle Edition]
http://www.amazon.com/dp/B009STQ8E6Smart Spending Strategies (More for Less Guides) [Kindle Edition]
http://www.amazon.com/Smart-Spending-Strategies-Guides-ebook/dp/...Yard Sale Tips and Treasures: Organizing, Marketing and What to Look for at Yard Sales [Kindle Edition]
http://www.amazon.com/dp/B0087DD9W8Time Management: How to Build Time Management Habits, Manage your Schedule & Get Things Done [Kindle Edition]
http://www.amazon.com/dp/B00C8DF4E4Folly of the Marketing Plan in Your Head, 101 Compelling Reasons to Write One with K.I.S.S. List [Kindle Edition]
http://www.amazon.com/dp/B00DHKVJOGThe Ultimate Career Development Guide - Live the Life of your Dreams with Fun Career Guidance Tips (Career Guide, Career Change) [Kindle Edition
http://www.amazon.com/dp/B00CDPPEA6Increase e-Book Sales with Social Media Marketing [Kindle Edition]
http://www.amazon.com/dp/B00CXTNZOEPlug Your Book! Online Book Marketing for Authors [Kindle Edition
http://www.amazon.com/dp/B00E1QBOY0Neck & Shoulder Pain: Free Yourself of The Daily Burden of Pain in 5 Key Steps [Kindle Edition]
http://www.amazon.com/dp/B00E0KR1USWhat They Don't Tell You About Alzheimer's [Kindle Edition]
http://www.amazon.com/dp/B006SMHFTIUseful Things [Kindle Edition]
http://www.amazon.com/dp/B00D4KTB7QHerbal Remedies A-Z [Kindle Edition]
http://www.amazon.com/dp/B00ATM219CUltimate Fantasy Football Guide 2013 [Kindle Edition]
http://www.amazon.com/dp/B00E6YCJHS/Ivan the Terrible: Russia's Most Insane Tsar [Kindle Edition]
http://www.amazon.com/gp/product/B00E6H5X3W/THE 5 FATAL DOG TRAINING MISTAKES: Discover The 5 Fatal But All Too Common Blunders When Training Your Dog That You Should Never Commit! (The Easy Pet Care Series) [Kindle Edition]
http://www.amazon.com/dp/B00CKVTNFKHow Do I Get Over Depression: How to Stop Feeling Sorry for Yourself and Start Winning [Kindle Edition]
http://www.amazon.com/dp/B00B14ORCQHow To Pick Long Shots [Kindle Edition]
http://www.amazon.com/dp/B00B9LIQPKHealing is Remembering Who You Are: A Guide for Healing Your Mind, Your Emotions, and Your Life [Kindle Edition]
http://www.amazon.com/dp/B00AVAUS5QTrailersteading: Voluntary Simplicity In A Mobile Home (Modern Simplicity) [Kindle Edition
http://www.amazon.com/dp/B00AR0T8DIPractical Solutions to Everyday Household Problems [Kindle Edition]
http://www.amazon.com/gp/product/B00C6NCSF4/Stellar Magic: A Practical Guide to Performing Rites and Ceremonies to the Moon, Planets, Stars and Constellations [Kindle Edition]
http://www.amazon.com/Stellar-Magic-Performing-Constellations-eb...A Mile in Their Shoes: Conversations With Veterans of World War II [Kindle Edition]
http://www.amazon.com/Mile-Their-Shoes-Conversations-ebook/dp/B0...Jodi Jill's Epic Tips: 22 Ideas to Make a Disney's Animal Kingdom Vacation More Exciting [Kindle Edition]
http://www.amazon.com/Jodi-Jills-Epic-Tips-ebook/dp/B00DNL6C5KOvercome Your Fear of Homeschooling with Insider Information [Kindle Edition]
http://www.amazon.com/Overcome-Homeschooling-Insider-Information...Straight A's for the B, C or D Student [Kindle Edition]
http://www.amazon.com/Straight-As-Student-ebook/dp/B00E56MJE0Own the Room: Presentation Techniques to Keep Your Audience on the Edge of Their Seats [Kindle Edition]
http://www.amazon.com/Own-Room-Presentation-Techniques-ebook/dp/...The Templars, Two Kings and a Pope [Kindle Edition]
http://www.amazon.com/The-Templars-Kings-Pope-ebook/dp/B00280M15...Top Running Tips (101 Ways To Improve Your Running - Easy Strategies You Can Use Right Now!) [Kindle Edition]
http://www.amazon.com/Running-Tips-Ways-Improve-ebook/dp/B00ARJF...
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g: 0 Posted By: TheRatsWon
Views: 121 Replies: 0 Kingston HyperX 3K SH103S3/120G 2.5" 120GB SATA III MLC Internal Solid State Drive (SSD) (Stand-Alone Drive) Great Reviews
Until 10 AM PT only
Shell shocker dealBrand Kingston
Series HyperX 3K
Model SH103S3/120G
Device Type Internal Solid State Drive (SSD) (Stand-Alone Drive)
Used For Consumer
Form Factor 2.5"
Capacity 120GB
Memory Components MLC
Interface SATA III
Controller SandForce
Width 69.85mm
Depth 100mm
Height 9.5mm
Weight 97g
Max Sequential Read Up to 555 MB/s
Max Sequential Write Up to 510 MB/s
4KB Random Read Up to 85,000 IOPS
4KB Random Write Up to 73,000 IOPS
MTBF 1,000,000 hours
Features
Sustained Random 4K R/W: 20,000/60,000 IOPS
Applications
- Decreased load times of high-resolution PC games
- Increased frame rates per second for a better gaming experience
- Faster transfers of large media files
- Multitasking
- AutoCAD
- Movie downloads, transfers and syncs
Power Consumption (Idle) 0.46W
Power Consumption (Active) 2.11W
Operating Temperature 0C ~ +70C
Storage Temperature -40C ~ +85C
Max Shock Resistance 1500G
Max Vibration Resistance
Vibration operating 2.17G
Vibration non-operating 20G
Package Content
2.5" SSD
3.5" bracket and mounting screws
SSD Deals

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g: 0 Posted By: archena
Views: 73 Replies: 0 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase.YouTube Video Marketing Secrets Revealed: The Beginners Guide to Online Video Marketing [Kindle Edition] was $9.97Montina "Sparkwisdom" Portis (Author)http://www.amazon.com/dp/B00E34F0ZOPublication Date: July 21, 20136 Reviews ★★★★★#1 in Kindle Store > Kindle eBooks > Business & Investing > Management & Leadership > Training
Do you want to be a YouTube Rockstar?
Do you want to get more views and subscribers on YouTube?
Do you wish you could get your YouTube videos to rank #1 in Google and YouTube?Want an EASY to read, simple to implement book that will empower you to make the impact on YouTube that YOU want? In life, we are all looking for a roadmap and Montina "Sparkwisdom" Portis has done just that for you. She started on YouTube in 2009 and in a few short years has built up a strong subscriber base of over 10k and has over 1.5 million video views. This book will teach you not only how to share your business, life and build memories - it will show you to make PROFITS doing it with YouTube video marketing.Ready to learn the #1 Mistake People Make and How You Can Use it to Your Advantage so that You Can Get More Views & Subscribers, Build Traffic and Make Money Online?According to YouTube statistics,
-More than 1 billion unique users visit YouTube each month
-Over 6 billion hours of video are watched each month on YouTubethat's almost an hour for every person on Earth, and 50% more than last year
-100 hours of video are uploaded to YouTube every minute
-According to Nielsen, YouTube reaches more US adults ages 18-34 than any cable networkThis book is for the person that:
*Is interested in YouTube but does not know how to get started
*Wants to see results in their YouTube Video Marketing
*Is an intermediate or advanced user that wants to get even more views and subscribers and learn how to build traffic
*Internet Marketers and bloggers that want to know how to effectively use YouTube in their video marketing in their strategy
*Wants to learn 12 ways to increase their YouTube views, grow subscribers, drive traffic and build a list
*Wants to use YouTube and video marketing to market their business
*Wonders how they can get more views and subscribers
*Wants to get their message of hope out to the world and has no idea where to start
*Dreams of sharing a message of hope with the world
*Wants to learn how to build traffic to their website using YouTube
*Wants to choose the best title for their videos
*Is curious how to make money online through YouTubeSecrets will be revealedHere are some of the questions that are answered:
- How do I get more traffic to my website from YouTube?
- Please help me understand how Google monetizing my video is going to make me any money because I'm not seeing it.
- How do I optimize my site for more traffic?
- How do you keep people engaged?
- I'd like to know to choose an Intro/Outro and how to get a good video quality without buying a DSLR.
- How the search algorithm works so I can optimize my videos for the search results.
- How to get more views on the channel.
- How do I get more subscribers?
- How to use this platform to reach ideal clients.
- How to grow my channel and create dialogue with the viewers
- For the people that make money from using YouTube (mainly people without a personal/business website) what are their secrets/tip to doing so?
- How do I get my videos to show up on the first page in my topic?
- How I can I use it to build my business?What youve done worked for you but how do I know it will work for me? That is a self-limiting belief! Video marketing is proven to work! I already have a You Tube Channelwhy do I need to do this? You dont. You can spend 4 years figuring out what works like she did or you can put a plan in action to be intentional and learn how to make money online. I have a channel with no views. Why are you still reading this? Get the book!About the Author: Montina "Sparkwisdom" Portis is a "YouTuber" and teaches part-time entrepreneurs how to achieve full-time success so that they can create content, build traffic and convert their passion into profits! Montina Portis is an employeepreneur that specializes in Social Media, Video Marketing, Podcasting, Passive Income Streams and Teaching Online.About the Author
Montina teaches part-time entrepreneurs how to achieve full-time success so that they can create content, build traffic and convert their passion into profits!
Montina Portis is an employeepreneur that specializes in Social Media, Video Marketing, Podcasting, Passive Income Streams and Teaching Online.
Books & Magazines Deals
g: 1 Posted By: lovelybones
Views: 487 Replies: 0 LINKProduct DescriptionSpice up your garage with this chrome blue top chest! A unique color along with upgraded features provides a sleek, efficient way to get you organized.All steel construction provides long lasting strength and durability
Ball-Bearing drawer slides operate more smoothly as drawer weight increases
Each full-extension drawer holds 75 lbs.
Drawer DimensionsThree drawers are 22 3/8W x 10 D x 2H
One drawer is 22 3/8W x 10 D x 3 1/8HGas cover struts safely control the lid
Internal locking system secures stored contents
Large, stylized drawer trim provides increased finger clearance
Chrome bail side handles aid mobility
Select the 009-03534 rolling cabinet to complete your tool storage combination
Protect and organize your storage and tool investment with drawer liners (009-65514) and accessories
3 year limited warranty
3,340 cubic inches of storage
Measures 26W x 12D x 15.25H
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g: 0 Posted By: lovelybones
Views: 40 Replies: 0 LINKProduct DescriptionSpice up your garage with this chrome blue top chest! A unique color along with upgraded features provides a sleek, efficient way to get you organized.All steel construction provides long lasting strength and durability
Ball-Bearing drawer slides operate more smoothly as drawer weight increases
Each full-extension drawer holds 75 lbs.
Drawer DimensionsThree drawers are 22 3/8W x 10 D x 2H
One drawer is 22 3/8W x 10 D x 3 1/8HGas cover struts safely control the lid
Internal locking system secures stored contents
Large, stylized drawer trim provides increased finger clearance
Chrome bail side handles aid mobility
Select the 009-03534 rolling cabinet to complete your tool storage combination
Protect and organize your storage and tool investment with drawer liners (009-65514) and accessories
3 year limited warranty
3,340 cubic inches of storage
Measures 26W x 12D x 15.25H
3 year limited warranty
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Bankrupt, Renegotiate Rates, Shoot Myself
Added on : Friday July 26th 2013 05:00:05 PM
g: 1 Posted By: didyamissme
Views: 268 Replies: 6 Ok so the last one isn't an option....at least most days.I recently graduated college with dual degrees - unfortunately I did not have the finances to finish them. I had been working three jobs at once during my college career and built up a great credit score for my age. I had access to $40,000 worth of credit cards and used them to pay off my last 18 months of school.- They are eating me alive.I've gotten them to about $32,000 and have nothing left really to keep going. I have asked the cards for help with no avail. I even moved across the US for a higher paying job in an effort to be able to pay them down. I live in a $300 apartment AFTER utilities etc. I'm not sure what else to do. I already work NON stop. When I call the card companies they refuse to help as I am current. Should I throw in the towel and try bankruptcy and ruin my life - considering I work in business management? I'm looking any advice you have. I'm 24 and my degrees are a Bachelors in Business Administration and a Bachelor of Arts in Communication Studies. Thanks KindlyFinancials:
The current Transunion score is 644 as of today.
Annual Income is $26K Was at one point $38k. At my score height it was nearly 800. I just moved from NC to KY to an entirely new company with the hopes of fast track income increase. Interest rates on 12K worth of debt is 9% the rest vary from 12% to 20%. I currently have no other bills. The credit card bills are near $1,000 a month. I only make $1,600 a month now. The oldest accounts date back to 2008. While I have been current on all of my accounts my credit score has fallen dramatically due to the debt to income ratio and credit utilization.
Personal Finance Deals
g: 0 Posted By: tedhawkins
Views: 1 Replies: 0 Louis Garneau Tri Elite Course Suit $149.99 @ performance bike - Free store pick uphttp://www.performancebike.com/webapp/wcs/stores/servlet/Product...Louis Garneau Tri Elite Course Suit
The Tri Elite Course Suit from Louis Garneau is packed with so much technology and so many performance details, we don't even know where to begin! CB SpeedTech and CB Lazer Rev fabrics with UPF 50 provide powerful muscle compression, moisture management and ventilation, plus coldblack technology dramatically reduces the suit's temperature to prevent overheating. Minimal seam construction, chafe-free front zip, comfort-designed arm and neck openings, seamless inner leg, and lazer-cut leg bands keep you streamlined and comfortable through all three disciplines. Quick-drying Tri Elite chamois with antibacterial top layer gives great support during the bike phase and maintains comfort during the run and swim phases. Lazer back pocket for stashing nutrition or other small items. CB SpeedTech fabric with UPF 50 and coldblack technology improves aerodynamics for speeds ranging from 15-45mph, manages moisture and increases ventilation
CB Lazer Rev fabric with UPF 50 and coldblack technology for seamless support and enhanced compression
coldblack finish allows the heat to be reflected, unlike common dark textiles which absorb heat, to prevent overheating, even during physical activity
15" comfort zipper with inner flap for generous ventilation and skin protection
Zipper is sewn so teeth pull away from the body to reduce abrasion and chafing
Comfort-designed armholes and neck enhance mobility
Tri Elite chamois:
Lightweight
4-way stretch fits the range of motion required in triathlon
Quick-drying and breathable
Provides great support during the bike ride
Maintains comfort during the run and swim
Crabyon fabric (in chamois):
Used in the practice of medicine
Antibacterial, completely biodegradable and allergy-tested
Accelerates wound healing
Can be applied on burns and helps tissues regenerate
Enhances the body's immunity to disease
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Wicks moisture
Allows slow and steady release of chamois lotion for maximum efficiency
One-piece technology uses the minimum number of seams to enhance aerodynamics and minimize risk of irritation
Seamless inner leg reduces bulkiness and excess material that causes saddle bunching for more comfort
Reflective accents on front, back and bottom add visibility
Lazer-finished thigh hem improves aerodynamics
Lazer back pocket with flap
Chase Ink plus over the credit limit
Added on : Wednesday July 24th 2013 08:00:14 AM
g: 0 Posted By: liyingda
Views: 274 Replies: 5 I have a chase ink plus with credit limit $2,000, but I need to pay a payment of $3,000. I call the cs and they could not increase my credit line with pulling out my credit report. But because I call them, I can pay $3,000 at this time. What I need to do is to return money before/on due day.Is it correct? Anybody has similar experience? Thanks!I am sorry. I think my card is ink plus, not bold. That is why I have the credit limit.
Personal Finance Deals
Chase Ink bold over the credit limit
Added on : Wednesday July 24th 2013 07:00:08 AM
g: 0 Posted By: liyingda
Views: 126 Replies: 3 I have a chase ink bold with credit limit $2,000, but I need to pay a payment of $3,000. I call the cs and they could not increase my credit line with pulling out my credit report. But because I call them, I can pay $3,000 at this time. What I need to do is to return money before/on due day.Is it correct? Anybody has similar experience? Thanks!
Personal Finance Deals
BOA annual fee - Is it worth closing the card
Added on : Tuesday July 23rd 2013 08:00:09 PM
g: 0 Posted By: potluri040
Views: 118 Replies: 1 Hello Gurus,Initially I had opened a BOA secured card to build my credit history which is charging Annual fees now. Recently BOA increased my credit line and made it unsecured without any request. with just 3 years of credit line in this country, I have couple of cards already in my bag. and my score is now decent.Now the question is, i am not using my BOA card much, so is it to close the card. How does that impact my credit score. Will it remain POSITIVE/NEGATIVE or NEUTRAL remark on my credit file.Those who feel this is already discussed topic and time waste, Please Ignore. I could not find it anywhere and hence thought this would help me and many others who are in this situation.
Credit Deals
GUNS: Magpul PMAG 30 GEN M2 MOE - 10 Pack - $104.95 + S/H
Added on : Tuesday July 23rd 2013 12:00:08 PM
g: 0 Posted By: ams30
Views: 56 Replies: 1 The PMAG 30 AR/M4 GEN M2 MOE is a 30-round 5.56x45 NATO (.223 Remington) AR15/M4 compatible magazine that offers a cost competitive upgrade from the aluminum USGI. It features an impact resistant polymer construction, easy to disassemble design with a flared floorplate for positive magazine extraction, resilient stainless steel spring for corrosion resistance, and an anti-tilt, self-lubricating follower for increased reliability.
The GEN M2 MOE is identical in form and function to the older model PMAG except that the optional Impact/Dust Cover is now sold separately.
Made in U.S.A.10 Pack
$104.95 + $7.95 flat rate shippingLinked
Guns & Ammo Deals
GoDaddy $1 per month Web Hosting
Added on : Tuesday July 23rd 2013 11:00:08 AM
g: 0 Posted By: gruve5
Views: 185 Replies: 0 $1.00/Month Web Hosting

Coupon Code: cjc1hfdGoDaddy: Get 12 Months Of Economy Web Hosting For $1.00/Month, After Which Price Increases To Regular List Price. Offer Available For New Hosting Plans Only (Not Renewals). Your Discount Will Appear In Your Cart.
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g: 2 Posted By: archena
Views: 237 Replies: 0 People Analytics: How Social Sensing Technology Will Transform Business and What It Tells Us about the Future of Work [Kindle Edition] was $39.99Ben Waber (Author) http://www.amazon.com/dp/B00CI75ZJ4Publication Date: April 24, 2013Publisher: FT Press7 Reviews ★★★★★#1 in Kindle Store > Kindle eBooks > Computers & Technology Discover powerful hidden social "levers" and networks within your company then, use that knowledge to make slight "tweaks" that dramatically improve both business performance and employee fulfillment! In People Analytics, MIT Media Lab innovator Ben Waber shows how sensors and analytics can give you an unprecedented understanding of how your people work and collaborate, and actionable insights for building a more effective, productive, and positive organization. Through cutting-edge case studies, Waber shows how:▪ Changing the way call center employees spent their breaks increased performance by 25% while significantly reducing stress
▪ Quantifying the failure of marketing and customer service to communicate led to a more cohesive and profitable organization
▪ Tweaking the balance of in-person and electronic communication can enhance the value of both
▪ Sensor data can help you discover who your internal experts really are
▪ Identifying employees involved in "creative" behaviors can help you promote innovation throughout your business
▪ Sensors and simulations can help you optimize your sick-day policies
▪ Measuring informal interactions can improve the chances that a merger, acquisition, or "mega-project" will succeedDrawing on his cutting-edge work at MIT and Harvard, Waber addresses Crucial issues ranging from technology to privacy, revealing what will be possible in a few years, and what you can achieve right now. In bringing the power of analytics to organizational development, he offers immense new opportunities to everyone with responsibility for workplace performance.About the AuthorBen Waber is President and CEO of Sociometric Solutions, a management services firm that uses social sensing technology. He is also a visiting scientist at the MIT Media Lab, where he received his Ph.D. He was previously Senior Researcher at Harvard Business School.Wabers work has been featured in Wired, the New York Times, on NPR, and he has given invited talks at Google, EMC, and Samsung. His research was selected for the Harvard Business Review s List of Breakthrough Ideas and the Technology Reviews Top 10 Emerging Technologies.
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Amazon Coupons
g: 0 Posted By: lovelybones
Views: 302 Replies: 0 link
Kingston's DataTraveler Ultimate 3.0 G2 features the latest technology for USB Flash drives, making it ideal for those who want to take advantage of all the performance improvements offered by USB 3.0.Kingston's DataTraveler Ultimate 3.0 G2 features the latest technology for USB Flash drives, making it ideal for those who want to take advantage of all the performance improvements offered by USB 3.0. It's the perfect solution for easily storing and quickly transferring all your large documents, hi-res photos, HD videos, and more. It's exceptionally fast and easy, letting you keep data with you wherever you go. USB 3.0 offers the same ease-of-use and plug-and-play capabilities as previous generations of USB technologies but with a performance increase and better power management. This USB 3.0 drive is backwards compatible with USB 2.0.
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g: 0 Posted By: Butcherboy
Views: 30 Replies: 0 http://www.kygunco.com/remington-870-12ga-bullpup-conversion-kit...Check with all of your Federal, state & local laws before Ordering.Bullpup Kit for Remington 870 Bullpup Unlimited Assembly
http://www.youtube.com/watch?v=49kXNQ4TkzMKIT AVAILABLE FOR REMINGTON 870 12 GA ONLY, WILL NOT FIT 3 1/2" MODELS OR RIBBED BARREL MODELSSHOTGUN NOT INCLUDEDDesigned to accept a wide variety of aftermarket AR-style accessories Familiar AR-style grip and safety Split-trigger for increased safetyVariety of rail mounting areas for tactical accessoriesSuper-smooth and contoured slide release areaRugged shell deflector for left handed shootersErgonomically shaped and easy-to-grip slide forearmGenerous access to loading portConversion assembles easily with tools providedEasy to follow conversion instructions includedMultiple ambidextrous sli
Thanks JohnB
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Linksys RE1000 Wireless-N Range Extender - $89.99
Added on : Sunday July 21st 2013 09:00:06 AM
With the Linksys RE1000 Wireless-N Range Extender, easily increase wireless network coverage throughout your home.
g: 1 Posted By: DaysFan
Views: 200 Replies: 1 TextAmazon - Kindle Fire HD - 8.9" display with 16GB Memory - Black You Save $50
$219.99
Free Shipping
Model: B008GW0JC8sku: 6412109What's Included
Kindle Fire HD tablet
USB 2.0 cable
Quick Start Guide*Stunning 1920 x 1200 HD display with polarizing filter and anti-glare technology for rich color and deep contrast from any viewing angle *Dolby Audio and dual stereo speakers for crisp booming sound without distortion The advanced Kindle Fire HD 8.9" tablet delivers rich color and deep contrast from every angle. Featuring exclusive, custom Dolby audio, dual-driver stereo speakers, and auto-optimization software, it delivers clear, crisp, balanced sound. Uses state-of-the-art dual-band, dual-antenna Wi-Fi (MIMO) technology for fast streaming and download speeds. Experience a massive selection of movies, TV shows, games, apps, books, music and more.8.9" 1920x1200 HD display
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Millions of movies, TV shows, songs, magazines, books, audiobooks, and popular apps and games such as Facebook, Netflix, Pandora, Angry Birds and more.
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For Facebook, Twitter, Gmail, Hotmail, Yahoo! and more, as well as Exchange calendar, contacts and e-mail
Tablets & iPads Deals

Amazon Coupons
PenFed paper statement fees - $1
Added on : Friday July 19th 2013 04:00:08 PM
g: 0 Posted By: klevann
Views: 46 Replies: 0 The PenFed July newsletter has this "special notice" that some may be hit with. It is just $1 but still. $1.00 Paper Statement Fee* Effective August 1, 2013
Effective 8/1/13, a $1.00 fee will be assessed to members for each paper copy they receive of their Consolidated Statement of Accounts* and for each paper copy they receive of their credit card statement. Avoid this fee by switching to electronic statements.Change of Statement Frequency
If you were previously receiving only an annual consolidated statement of your account, your frequency will be increased to quarterly or monthly statements depending on your account activity. Annual statement frequency will not be offered. *Consolidated Statement of Accounts fee will be
waived if you receive your statements electronically, have a PenFed checking account
with Direct Deposit of at least $500 per month, or maintain a minimum daily balance of
$500 or more. Credit card statement fee will be waived if you receive your statements
electronically. **Except where prohibited by lawHere is the link to the notice https://www.penfed.org/promo/FirstWord072013/fee-notice-online.p...
Personal Finance Deals
Free OKayFreedom VPN 6 month Premium License
Added on : Friday July 19th 2013 01:00:08 PM
g: 0 Posted By: remick
Views: 171 Replies: 1 http://www.chip.de/downloads/Exklusiv-Vollversion-OkayFreedom-VP...Translated -The software allows browsing through proxy servers in the United States, France, Britain, Germany, Switzerland, Spain, Japan, Romania, Singapore and Egypt. , if you get, for example, "Okay Freedom VPN" a British or American IP address You can also watch the latest videos, clips and series episodes from England and the USA. The offered version of "Okay VPN Freedom" CHIP Online offers readers exclusive added value! The first 20,000 users who are on the special page register for free with an email address to receive half a year for 5 GB of free volume per month (instead of 1 GB in the "normal" version). tip: By inviting friends via Facebook You can increase the monthly volume of up to 10 GB! (Per invitation you receive 500 MB)
http://www.okayfreedom.com/specials/chip/ofAre you interested in Freedom OK? Simply enter your email address and we will send you your personal code to premium.
Services Deals
Collective Bargaining Contract Issue
Added on : Thursday July 18th 2013 04:00:07 AM
g: 0 Posted By: 062703
Views: 15 Replies: 0 This is a publicly traded company and the employees are represented under a collective bargaining agreement.Recently, it was brought to my attention of a potential issue being neglected within the contract at a certain company. According to the contract, the employees are supposed to be paid their salary increases by X date and historically (including this year) the company pays late. Once the salary increases have been announced, The company retroactively pays the difference over the period of time that is missed. The issue that has recently come up is the potential opportunity cost of the 401k contributions that aren't being made by the date they would have been made according to the terms of the contract. Basically, employees are missing out on gains within the market they should have been exposed to by being paid on the date set within the contract. Any advice on the matter would be appreciated.
Personal Finance Deals
GUNS, CZ 75 P-07 Duty 9mm 3.8" barrel 16 Rnds - $421 shipped @ BUDS
Added on : Wednesday July 17th 2013 01:00:08 PM
g: 4 Posted By: Butcherboy
Views: 240 Replies: 5 http://www.budsgunshop.com/catalog/product_info.php/products_id/...Don't let the "Duty" designation trick you. The P-07 model is a compact handgun -- just as appropriate for concealed carry as it is for uniformed duty. The abbreviated 3.8" barrel and compact grip allow the Duty to disappear under clothing much more easily than full-sized models. This compact size and polymer frame along with the new slide profile (fully machined from bar stock) reduce weight, making the P-07 Duty a great choice for concealed carry. Easily adaptable to low light use, the Duty features an accessory rail to which a light or laser can be attached.When designing the polymer frame for the Duty, the decision was made to retain the basic grip shape (circumference, angle, etc.) so popular in the CZ 75 family of handguns. The polymer frame platform eliminated the need for the grip panels that are used on most steel and alloy-framed autos. The absence of the grips resulted in some available space that was used to increase the magazine capacity by 2 rounds. The results speak for themselves -- the flush-fitting magazine of the P-07 Duty holds the same number of rounds that the full-sized versions of the CZ 75 do in both 9mm and .40 S&W.The most innovative feature of the P-07 duty is the Omega trigger system. The new mechanism was first introduced on the P-07 model. It simplifies the CZ 75 trigger system, uses fewer parts and improves the trigger pull, but the real story is in the versatility it provides for its owner. The Omega system allows users to choose between operating the handgun with a decocking lever (installed) or a manual safety (included) by a simple parts change.
Guns & Ammo Deals
McDonald's budgeting demonstration and extreme savings
Added on : Tuesday July 16th 2013 08:00:07 PM
McDonald's is putting together a module to help its employees budget better, which is getting pilloried all over the Internet for making unrealistic assumptions about minimum wage workers.http://www.washingtonpost.com/blogs/wonkblog/wp/2013/07/16/that-...So the figures for heating and health insurance in the original Visa/McDonalds sample budget are hard to defend. But overall, it offers a reasonable picture of how a typical person in the lower half of the income spectrum spends his money.
And the reality is that these low-income Americans have to make the kind of hard choices that critics are deriding as ridiculous. They have to make do with a used car, live in a modest apartment with a roommate, get by with basic cable and a low-end cellular plan, and travel and go out to eat infrequently.
Gawker calls the budget just-shy-of-condescending, but budgeting is an important skill that isnt obvious to every young adult in America. Offering practical advice on how to live on a modest income is more constructive than ridiculing the choices required to do so.I don't want this to be a political thread but you need to look at this from the extreme retirement people, who create a zero based budget starting from the hierarchy of needs and moving up. So you need food and would pick a thrifty food plan with what's on sale at the market that week, housing would be a room in someone's home, you would bike to work or take the bus, and your entertainment would be something free like walking or going to the library. Even in Los Angeles, you can find rooms, utilities included, for $600 or less - go to Craigslist and search under rooms for "utilities included". Food would cost you $150 a month, a bus pass would cost you $80 a month, laundry and miscellaneous expenses $20, and a prepaid phone might cost you $50 a month - for $900 a month in baseline costs, against a CA minimum full time wage ($8 an hour, 40 hours a week, minus taxes) of about $1100. Add an individual studio apartment, entertainment, etc. accordingly to fill out the amount and increase the comfort level. Health insurance is an issue, but starting in 2014 with the ACA someone making minimum wage will have free insurance at the "bronze" level.The big issue is one time expenditures like clothing, security deposits, furniture, etc. and unexpected expenditures - which the minimum wage does not account for. A car would fall under this capital cost category. Many people run back to mommy and daddy for those things, but you would have to save over many months for the minimum subsistence wage to provide for this. If you didn't have someone to fund these one time expenditures you have to deal with the shady signature loan market, with accordingly high rates. But the point of a minimum wage is basically to allow one person to subsist and not starve or be without shelter.Looking at this in CA, monthly expenses only, capital costs excluded:
---
Room - $600 (including utilities)
Food - $150 (thrifty food plan)
Health care - $50 (subsidized clinic now, Bronze health insurance + co pays post-2014)
Transportation - $75 (bus pass)
Incidentals - $25 (laundry, etc.)
Phone - $40 (Page Plus, needed for shifts at work)
---
$940 totalIn other parts of the country I have seen furnished all utilities included rooms for under $300. In those areas you probably will need a car which will cost you about $300 a month in gas, car payment, and insurance (liability only) so it is a wash. I sometimes think about this should I get into a situation where I need to seriously conserve cash. While in my case my housing prices are higher due to PITI, I would consolidate my stuff and have someone stay in an extra room. What's the lowest you could spend a month and still survive?
ThinkTank LED Headlamp and Flashlight SetIdeal for hikers, spelunkers, auto mechanics, and those who have been swallowed by whales, this illuminating set lights up dark spaces with energy-efficient LED bulbs. The headlamp, which has seven bulbs and is water resistant, attaches to an adjustable strap placed over a helmet or directly on one's head. Its handheld flashlight companion packs the power of a whopping nine LED bulbs and features a nonslip structure, compact design, and wrist strap for increased portability. LED headlamp and flashlight set
Bulbs have lifetime up to 100,000 hours, which is also the average wait at the DMV
Water-resistant headlamp with seven LEDs
Adjustable strap
Flashlight with nine LEDs
Nonslip structure
Each runs on three AAA batteries (not included)
Headlamp dimensions: 3.75" (L) x 3" (W) x 2.25" (H)
Flashlight dimensions: 3.38" (L) x 1" (W)
Coleman Red Canyon 8-Person Dome Tent - $94.99 FS
Added on : Tuesday July 16th 2013 04:00:06 AM
I set up a camel alert for this tent a while back and it finally dropped below the threshold price!! Has great reviews.TextKey Features:
Features Coleman's exclusive WeatherTec System
Footprint: 17 feet x 10 feet
Center Height: 72 inches
Rooms: 1 to 3 (with removable privacy walls)
Sleeps up to eight people
Shock-corded poles for easy and quick setup
Welcome mat and pockets keep interior tidy
Access gear or adjust ventilation with Cool-Air port
Variflo adjustable venting system increases airflow
Separate storage bags for tents, poles, and stakes
Simple instructions sewn onto storage bag
Amazon Coupons
Umbrella Insurance Question
Added on : Monday July 15th 2013 02:00:08 PM
Hi all, I am debating to add umbrella insurance and wanted to get your opinions on what is the best route to take. I currently have home owners and auto insurance from Geico and pay 1,900 for both. For the auto insurance I have 4 cars (a 2013 Mercedes Benz which raises the price the most, a 2007 Lexus, 2008 Hyundai, and 2004 Volvo), 4 drivers (ages are 49, 47, 22, and 20), and numerous tickets/claims (5 tickets total and 2 not-at-fault claims). My coverage is 100/300 bodily injury, 100K property damage, 10K medical payments (deductible for our health insurance is 3K per person), 100K uninsured/underinsured, each car has a 500 deductible for comprehensive and collision and I also have rental coverage on each vehicle. My house is worth approximately 600K. I also own numerous businesses of which my share is worth about 1 million.Sorry for the very long background but just wanted to try and include all the information I thought would be relevant. I contacted Geico and they quoted me $500 per year for 1 million in umbrella coverage. Is this a good rate? Would you guys recommend getting umbrella coverage or increasing my auto/home coverage to higher levels. I was also told that I would need to increase my auto/home coverage slightly to be eligible for umbrella coverage but only $20 more per month. Also, I just called Geico back again today and was told that I am not eligible for Umbrella coverage because of my driving record and they gave me another company that I can contact. For most of the major companies do you need to have home/auto coverage from them in order to be eligible for umbrella insurance. This is my first time purchasing so any advice would be appreciated. Again, sorry for the long post.
Bass Pro Shops XPS Signature Series Fluorocarbon Fishing Line - Filler Spool $12.99 FSTShttp://www.basspro.com/Bass-Pro-Shops-XPS-Signature-Series-Fluor... Disappears in the water
Twice as dense as monofilament
Low stretch for increased sensitivity
Low water absorption for superior knot strength After winning not one, but four Bassmaster Classics on our advanced fluorocarbon line, Kevin VanDam is ardently spreading the word about its unique fishing characteristics. Like us, Kevin believes that using XPS Signature Series Fluorocarbon will help you catch more fish--even in ultra-clear water because fluorocarbon has almost the same refractive index as water, so it virtually disappears when wet. Plus, this line is nearly twice as dense as mono, so it sinks faster than the same diameter monofilament and allows better control of your lures. But the part you'll like even better is its low stretch, which translates directly to increased sensitivity; unlike fishing with mono, you'll feel every tick. With low water absorption for superior knot strength, high abrasion resistance and long-wearing built-in UV protection, XPS Fluorocarbon is a proven winner - just ask Kevin VanDam, he's used the line to win 4 Bassmaster Classics! Color: Clear.
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Note: You may get $15 off $50+ purchase with promo code WALLET when you check out with Google Wallet on Newegg's mobile site. As hard drive capacities increase, the power required to run those drives increases as well. WD Caviar Green drives make it possible for energy-conscious customers to build systems with higher capacities and the right balance of system performance, ensured reliability, and energy conservationLearn more about the Western Digital WD15EZRX Model
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TextLenovo Z400 , Intel Core i5-3230M, 14.0" TOUCHSCREEN Screen Display, Notebook With 6GB Memory, 1TB Hard Drive, Windows 8
Limit 1 per Household.
Frys # 7532896 Mfr: Lenovo
Price:$598.00
http://www.frys.com
Frys.com #7532896
Manufacturer: Lenovo
UPC #887619779875
Model #59361316
Lenovo Z400 Touch (59361316)
Limit 1 per Household.(when purchased between 07/14/2013 and 07/18/2013)
THE Lenovo IDEAPAD Z400 TOUCH NOTEBOOK.

A STYLISH NOTEBOOK OPTIMIZED FOR WINDOWS 8 WITH 10-POINT MULTI-TOUCH DISPLAY.

The Lenovo IdeaPad Z400 Touch notebook comes with a 10-point multi-touch display and delivers a range of multimedia capabilities.

While 3rd gen Intel Core processors ensure top performance, its 10-point multi-touch display makes it perfect for the new Windows 8 interface.
 KEY SPECIFICATIONS


3rd gen Intel Core i5-3230M processor
Windows 8
14 Backlit LED up to HD display (1366768) with 10-point multi- touch,
16:9 widescreen
6GB DDR3 memory,
1TB HDD storage
Integrated Bluetooth & high-speed 802.11b/g/n Wi-Fi connectivity
Integrated DVD reader/writer
USB2.0, USB 3.0 connectors & 2 in1 card-reader
Integrated 720p HD webcam
HDMI output
Warranty 1 Year Limited
 
RESPONSIVE FEATURES

Specialized stereo speakers for extra bass with Dolby Home Theatre v4 audio certification for immersive sound

HD graphics support
 COMFORTABLE HANDLING

AccuType keyboard with individual rounded keys for comfortable and accurate typing
 SIMPLIFIED SOLUTIONS

Enjoy greater accuracy with the 10-point multi-touch display optimized for the new Windows 8 interface

Energy Management protects the long-term durability of the battery and uses advanced energy-saving technology to increase time spent between charges

Intelligent Touchpad optimized for the new Windows 8 interface with easy scroll and zoom functions

Rediscover your computer with access to a world of entertaining and useful apps like Lenovo Companion and Lenovo Support

Share media on any device from anywhere through Lenovo Cloud

OneKey Recovery makes data backup & recovery simple

Enjoy your notebook content on a big screen wirelessly with Intel Wireless Display (WiDi) Technology

Up to 5hrs battery life A STYLISH AND AFFORDABLE NOTEBOOK OPTIMIZED FOR WINDOWS 8 WITH 10-POINT MULTI-TOUCH DISPLAY. The IdeaPad Z400 Touch laptop changes the way you interact with your notebook PC. Equipped with a 10-point multitouch display, the affordable, 14" Z400 Touch is optimized for Windows 8 and puts the convenience of touch at your fingertips.

DO LIST:
Touchscreen with 10-point multitouch technology
Integrated Intel HD graphics
Dolby Home Theater v4, with specialized stereo speakers with extra bass
Intelligent Touchpad optimized for Windows 8
DVD Drive
Integrated 720p HD webcam and a dual digital array microphone for crystal clear webchat
HDMI out, two USB 2.0 ports, one USB 3.0 port
Lenovo Energy Management minimizes power use and protects battery life
Backlit AccuType keyboard with individual rounded keys for comfortable and accurate typing
Features
IDEAPAD Z400 Touchscreen: 14" Thin and Light Touchscreen Laptop.
The IdeaPad Z400 Touch is a thin and light laptop that doesn't compromise on performance. While the Z400 Touch is substantially slimmer than a standard laptop, it uses the same cutting-edge processors as thicker notebooks not the low-power processors found in most ultraportables. In short, the Z400 Touch blends portability, performance, and a range of multimedia features and does so at a reasonable price.
TextLenovo Z400 , Intel Core i5-3230M, 14.0" TOUCHSCREEN Screen Display, Notebook With 6GB Memory, 1TB Hard Drive, Windows 8
Limit 1 per Household.
Frys # 7532896 Mfr: Lenovo
Price:$598.00
http://www.frys.com
Frys.com #7532896
Manufacturer: Lenovo
UPC #887619779875
Model #59361316
Lenovo Z400 Touch (59361316)
Limit 1 per Household.(when purchased between 07/14/2013 and 07/18/2013)
THE Lenovo IDEAPAD Z400 TOUCH NOTEBOOK.

A STYLISH NOTEBOOK OPTIMIZED FOR WINDOWS 8 WITH 10-POINT MULTI-TOUCH DISPLAY.

The Lenovo IdeaPad Z400 Touch notebook comes with a 10-point multi-touch display and delivers a range of multimedia capabilities.

While 3rd gen Intel Core processors ensure top performance, its 10-point multi-touch display makes it perfect for the new Windows 8 interface.
 KEY SPECIFICATIONS


3rd gen Intel Core i5-3230M processor
Windows 8
14 Backlit LED up to HD display (1366768) with 10-point multi- touch,
16:9 widescreen
6GB DDR3 memory,
1TB HDD storage
Integrated Bluetooth & high-speed 802.11b/g/n Wi-Fi connectivity
Integrated DVD reader/writer
USB2.0, USB 3.0 connectors & 2 in1 card-reader
Integrated 720p HD webcam
HDMI output
Warranty 1 Year Limited
 
RESPONSIVE FEATURES

Specialized stereo speakers for extra bass with Dolby Home Theatre v4 audio certification for immersive sound

HD graphics support
 COMFORTABLE HANDLING

AccuType keyboard with individual rounded keys for comfortable and accurate typing
 SIMPLIFIED SOLUTIONS

Enjoy greater accuracy with the 10-point multi-touch display optimized for the new Windows 8 interface

Energy Management protects the long-term durability of the battery and uses advanced energy-saving technology to increase time spent between charges

Intelligent Touchpad optimized for the new Windows 8 interface with easy scroll and zoom functions

Rediscover your computer with access to a world of entertaining and useful apps like Lenovo Companion and Lenovo Support

Share media on any device from anywhere through Lenovo Cloud

OneKey Recovery makes data backup & recovery simple

Enjoy your notebook content on a big screen wirelessly with Intel Wireless Display (WiDi) Technology

Up to 5hrs battery life A STYLISH AND AFFORDABLE NOTEBOOK OPTIMIZED FOR WINDOWS 8 WITH 10-POINT MULTI-TOUCH DISPLAY. The IdeaPad Z400 Touch laptop changes the way you interact with your notebook PC. Equipped with a 10-point multitouch display, the affordable, 14" Z400 Touch is optimized for Windows 8 and puts the convenience of touch at your fingertips.

DO LIST:
Touchscreen with 10-point multitouch technology
Integrated Intel HD graphics
Dolby Home Theater v4, with specialized stereo speakers with extra bass
Intelligent Touchpad optimized for Windows 8
DVD Drive
Integrated 720p HD webcam and a dual digital array microphone for crystal clear webchat
HDMI out, two USB 2.0 ports, one USB 3.0 port
Lenovo Energy Management minimizes power use and protects battery life
Backlit AccuType keyboard with individual rounded keys for comfortable and accurate typing
Features
IDEAPAD Z400 Touchscreen: 14" Thin and Light Touchscreen Laptop.
The IdeaPad Z400 Touch is a thin and light laptop that doesn't compromise on performance. While the Z400 Touch is substantially slimmer than a standard laptop, it uses the same cutting-edge processors as thicker notebooks not the low-power processors found in most ultraportables. In short, the Z400 Touch blends portability, performance, and a range of multimedia features and does so at a reasonable price.
Car Insurance Mess, What to Do?
Added on : Friday July 12th 2013 05:00:07 PM
In December 2007, my mother bough a new car. The car was financed with a local bank. In my state, you buy insurance for the car upfront. That is, you pay your coverage for the whole time the car is financed at once, when you buy the car. She paid $1,700 for a policy that would last until she paid off her car. She financed the car to 6 years. That means that she would have insurance coverage until December 2013, or so she thought until this week. A couple of weeks ago, she got a crack in the front windshield. It probably was a small rock in the road, as I can see where it impacted the glass. The crack grew to 3-4 inches before we even noticed it (it was in the lower passenger side, and there is a black tint). After noticing it, she called the insurance company to put the claim and see if they would cover a replacement of the windshield, or if it could be fixed. They told her she had to take the car to one of the shops that do business with them, and they would take a loot at it. When she took the car to the shop they told her that it has to be replaced, can't be fixed.The story gets interesting next. When she called the insurance, they were surprised that she was making a claim, since they had the policy cancelled on their end. She told them that she paid for insurance until December 2013. They told her that the insurance was cancelled on 2010, and that they send notification to the bank. The bank was the one that made the original paperwork for the insurance coverage, etc. But it was the dealer, where she bought the car, who offered her the insurance, and who took the information of my mother, and gave her a copy of the insurance policy she was buying. Apparently the insurance was cancelled because the physical address on the insurance policy was different from the address she lives. They found that out back in 2010 because my mother had a claim for some small accident, which they covered. Apparently the policy is more expensive where my mother actually lives, vs what they had in the policy. But that mistake was not my mother's fault. My guess is that the dealer made the error, but it could have been the bank too. And the address error is only in the TOWN where she lives. Everything else is correct. Also, the insurance company has the correct postal address, the physical address is incorrect. They should have noticed that the two addresses were the same, it was an error they could have noticed. Back in 2010 the insurance sent notification, to the bank, not my mother, that my mother had to pay $400 on top of what she already paid (change of address price increase), to continue with the same coverage, or the policy was getting cancelled. Since my mother did not receive this notification, she did not pay the money. And I don't think she has to pay it, since this mistake is the dealer's or the bank. She was given a price for a policy, in which she gave her correct address, and she paid what they said the policy was worth. The insurance company extended her the policy until July 15, 2013, since they at least understand that they did the mistake of not notifying her that the policy was being cancelled. They are letting her put the claim on the broken windshield (since now the policy is valid until July 15, 2013), but they are paying for a substitute windshield, not the original one. Basically the insurance will pay for a $300 job when if they had approved the manufacturer windshield, it would all cost $900. My mother is upset because she wants the windshield that came with the car. They claimed the car was old, which is B.S (car has 30k miles). My mother said the car is not even paid off. She also mentioned that the original one is safer. My mothers deductible is $250, so basically the insurance would cover only $75. That and the previous claim would put the insurance out of pocket at $175. My mother thinks it's unfair since she paid $1,700. I agree with her, she should get the same windshield that came with the car.My mother just wants two things: to have her insurance valid until December 2013, as prior agreement AND to have the insurance replace the cracked windshield with the exact one (not a cheap one). So what should she do to achieve this? So far the insurance has been playing hard and have been taking too long to resolve it. Extending the policy until July 15, 2013 is not going to fly with me, and paying $75 while my mother puts $250 deductible for a cheap windshield is also out of the question. It seems like the insurance should determine who made the error in the address of the policy (the bank or the dealer) and reach an agreement for the $400 extra. They do business all the time, particularly the dealer, who brought my mother as a client. Regarding the windshield, I don't know how insurances determine if the cheapest windshield is fine or if they have to cover the same part. My mother has a mess and can't find the paperwork, and I'm sure that if she asked the insurance for the paperwork, they would give her the wrong ones. I don't trust them anymore. Maybe the answer is that the windshield has to be what they say, maybe not. I want your opinions. Also, funny thing, the representative of the insurance who talk to my mother said that if she got a lawyer, she would win the case. I would like to avoid that, but sometimes it is the only way to move forward and make this company do the right thing.I know it is a Friday and all, so sorry for the long post. But it had a lot of details that I'm sure I would get asked down the thread. So there it is. Thanks for any help in this issue. Have a nice weekend everybody.
FHA Mortgage Assumption
Added on : Thursday July 11th 2013 11:00:04 AM
I'm wondering if anyone has experience as a buyer or seller with assumable mortgages - VA or FHA. I refinanced my FHA mortgage last year at 3.25%. Since then, average interest rates have increased to about 4.5%. I can see interest rates increasing further in the next few years. I plan on selling in a couple of years when I begin a low paying medical physics residency. Would there be a premium paid on a home by a buyer if the assumable rate is 3.25% and the prevailing rate is somewhere around 5.5%? Would the average buyer even be interested?I see this as a major advantage by the borrower. The original 30 year loan will be at about 27 years which will reduce the overall interest paid by the new owner. The interest rate is much below market, and MIP will drop off in a couple of years. What am I missing? Is there some catch?
Bighorn safe on sale again at Costco price $599
Added on : Wednesday July 10th 2013 09:00:04 PM
Starting today Costco has reduced their price of the Bighorn 19 ECB Gunsafe from $799 to $599 delivered to your residence. This deal just became available online. They have been periodically running this sale and they always run out of stock before the end of the sale. This safe is manufactured in China and distributed by Rino. Compares favorably with safes in the $1,000 and under category.Link: http://www.costco.com/BIGHORN-19ECB-Safe.product.11625662.htmlMeets or exceeds the California Department of Justice acceptable gun safe standards.The Bighorn 19ECB will give you unparalleled peace of mind and security against fire & theft at an unbeatable price. This rock solid safe features thick heavy bodied construction, 30-minute/1200 degree fire protection, fine styling and interior, and the industry's best warranty and customer service.Security Features:UL RSC Security Rating
UL Listed Commercial grade electronic lock
Extra thick rigid door for added security against prying attacks. 1.5 thick formed front, 4.75 overall thickness
1 diameter door bolts securely lock the door at 8 different points for maximum protection (8 door bolts total)
3-layer armored hard plate to protect the lock
Spring loaded re-locker keeps safe secure if lock is tampered with or removed
Quick and simple code entry for access
Easy to program entry codes
Up to 1,000,000 possible codes
Entry codes are stored inside the safe, not in the external keypad
Anti-tamper auto lockout after three incorrect code entries
Battery accessible from outside
User codes are not lost when battery is removed or goes dead or if keypad is damaged or removed
Weight: 435 lbs.Interior Features:Fully adjustable and convertible interior allows you to increase or decrease shelf space depending on your own needs
Holds up to 24 long guns
Interior Dimensions: 57.5" H x 26.75" W x 14.75" D
Quality Upholstery
Predrilled for anchoring to the floor
Predrilled for dehumidifier (not included)
External hinge, 185 degree fully opening door provides greater access than internal hinged designs limited to only 90 degrees of openingExterior Features:19.1 Cubic ft.
Durable baked-on powder coated finish
External dimensions: 59 H x 28W x 20D (not including handle)Fire Protection:30-minute/1200 degree F fire protection
Heat activated expanding door seal helps keep out smoke and heat
Fully fire lined, no uncovered hot spot areas like most internal hinge designsLimited Lifetime Warranty:Limited Lifetime Warranty
Free repair or replacement in the event of an attempted or actual Burglary attack
Free repair or replacement in the event of a FireItem # 569035Valid 07/11/13 through 08/04/13. While supplies last.
Hi Everyone. I frequent these forums daily and really enjoy all the knowledge and insight. I essentially did a mini AOR for the sign-up bonuses. I'm 23, with a 50k income, 11 month AAoA, 2 years 2 month oldest account (Authorized User).I've taken about 8 HP's on my credit in the past year, FICO was 750, now 700 and climbing. Here are the cards I was approved for over the past year & bonus:
-CSP (40k UR)
-Chase Ink Bold (60k UR)
-AMEX Gold Personal (25k MR I realize this is a bad bonus now)
-Chase Southwest RR Plus (50k RR Miles)
-AMEX BCP ($250 Bonus, 0% 18 months)
-AMEX Gold Business (75k MR)
-Credit Union Card (No bonus)My issue is this, almost all of my revolving lines of credit will have annual fee's coming up soon and I do not wish to pay for all of them. I would also like to be able to get bonus's for cards again. For example, with the CSP Visa Signature, should I product change it to a freedom when the annual fee comes so that I may keep the age of the account, and apply for a new CSP upon reaching eligibility for the bonus? I would also like to close the AMEX Gold Personal so that I may wait for one of the 100k MR bonus's to pop up. Will having a lot of "closed by consumer" on my credit report scare away banks from letting me open up new cards? Should I apply for some no annual fee cards and let them sit in the drawer so that my AAoA increases? Basically, am I damaging my credit by applying for CC's for their bonus's with such a "thin profile" and low AAoA?
Thanks everyone.
banker made mistake on deposit
Added on : Wednesday July 10th 2013 12:00:04 PM
Hm.. so I just open an account and as of today, my balance increases $1000 - there's a deposit slip and it looks like the banker made a mistake between 0 and 8 from the hand writing. Should I report it to the bank? I bet the person will be asking for the money soon.
Kelty LowDown Chair - 2013 Model $30.95 Shipped @ sunny sports
Added on : Wednesday July 10th 2013 07:00:05 AM
Kelty LowDown Chair - 2013 Model $30.95 Shipped @ Sunny Sportshttp://www.sunnysports.com/Prod/KLTLDN.htmlWhether toasting marshmallows around the campfire, spending a day at your favorite music festival, or relaxing at the beach, the super comfortable Kelty Lowdown Chair allows you to take a load off just about anywhere. The Lowdown Chair has been constructed to offer a slightly reclined designed for increased comfort!
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Hi - my first post here. Hope you guys will be able to offer some advice.I am based in the UK but have a US Bank of America bank account. I want to transfer $10,000 to the UK (obviously in GBP) and to get the best rate I use XE.com.I have used XE.com a number of times when I have sent money from the UK to US, but this is the first time I am trying to do the reverse.I fixed my deal and to get things moving I need to transfer the $10,000 from my US Bank of America bank account to a London Bank of America account - no exchange of currencies required. XE.com will then transfer on the GBP to my bank account (First Direct).Anyway, I found out that I have a limit on my Bank of America account for doing wire transfers - $1,000. I can't order a SafePass (which allows an increase in this limit up to $10,000) since I am not resident in the US. I can't use the wire transfer phone service since I don't have a wire service access id (7 digits) and they won't provide one to me since I am not resident in the US.I could resort to writing a US check and posting it to the London Bank of America account, but I can't find my check book, and I can't create a Bill Pay for overseas through online banking.I've spoken with lots of Bank of America Customer Service agents today and none of them have been able to help.Any ideas?
http://www.woodburyoutfitters.com/product_p/a100517.htmDescription:
H&K USP45, 704531 /w FREE SHIPPING! The HK USP Compact is a small frame pistol capable of firing the most powerful cartridges. Based on the full size USP models, these handy pistols combine compact size with optimum effective shooting performance. USP compacts are smaller and lighter than large frame USPs. The reduction in trigger reach and grip circumference increases conceal ability and enhances shooting ergonomics. Unlike some subcompact semi-automatic pistols that use a difficult to shoot two finger grip frame, the USP Compact uses a narrow, full hand grip frame. Easy to shoot, simple to maintain; the USP Compact is a reliable, safe, accurate and highly concealable pistol. Variant 1 Double action/single action with "SAFE" position. Control lever (manual safety/decocking lever) on left side of frame.
boksaman op
http://www.woodburyoutfitters.com/product_p/a100517.htmDescription:
H&K USP45, 704531 /w FREE SHIPPING! The HK USP Compact is a small frame pistol capable of firing the most powerful cartridges. Based on the full size USP models, these handy pistols combine compact size with optimum effective shooting performance. USP compacts are smaller and lighter than large frame USPs. The reduction in trigger reach and grip circumference increases conceal ability and enhances shooting ergonomics. Unlike some subcompact semi-automatic pistols that use a difficult to shoot two finger grip frame, the USP Compact uses a narrow, full hand grip frame. Easy to shoot, simple to maintain; the USP Compact is a reliable, safe, accurate and highly concealable pistol. Variant 1 Double action/single action with "SAFE" position. Control lever (manual safety/decocking lever) on left side of frame.
boksaman op
Aimpoint Pro Red Dot Optic Sight $356.99 SHIPPED
Added on : Thursday July 04th 2013 12:00:03 AM
LAPOLICEGEAR.COM Use Discount Code:JULY2013I've been watching these closely and this is about as good as it gets price wise. Mine already shipped!I believe there is tax in CA, then again only criminals are allowed to own guns in California now. 
Aimpoint Patrol Rifle Optic (PRO) is designed with input from a distinguished group of current and former professionals, the Patrol Rifle Optic incorporates many never before seen features to maximize this sight's performance within the challenging conditions faced by modern law enforcement. A hard-anodized 30mm tube was utilized, enclosing a high efficiency circuit that allows the sight to be turned on and left on for up to three years using a single battery.The front lens utilizes a unique band-pass coating, which allows the sight to be used with all generations of night vision devices. The modular QRP2 mount includes a removable spacer that indexes the sight at the optimal height for co-witness with the standard iron sights on AR15/M16/M4 Carbine style weapons. This spacer can be removed to enable the use of the sight on police shotguns or sub-machineguns. The QRP2 mount also incorporates a torque-limiting twist knob that provides the optimal level of pressure on the rail while completely eliminating the possibility of over-tightening. Both the front and rear lenses are recessed within the sight body to provide protection against impact damage, scratches, and fingerprints.Flip covers are included to further protect the lenses, and a transparent rear lens cover is utilized allowing the user to engage a target with the lens covers closed in an emergency situation. A two Minute of Angle (2 MOA) red dot is utilized to allow maximum accuracy at all distances and under all environmental conditions.Unique features for the Aimpoint PRO Patrol Rifle OpticAlways ready - always on. Turn it on for up to 3 years using one single battery. No need to fumble with switches prior to use.
2 minute of angle red dot for accurate target engagement at all distances.
In service date and battery change date reminders makes inventory tracking and maintenance easy.
Enhanced speed on target and increased first shot hit probability when compared to iron sights and magnified scopes.
Compatible with all generations of night vision devices and may be used with Aimpoint 3X Magnifier and Concealed Engagement unit.
Hard anodized aluminum alloy housing. Rugged enough for real world conditions and waterproof to 150 feet.
Threaded front lens opening allows use of screw-in anti-reflection device (ARD).
Front and rear flip covers keep lenses clean.
Transparent rear flip cover allows use of the sight (with both eyes open) even with both covers closed in an emergency.
Battery and adjustment cap retainer straps means you will never lose your pieces.
Modular mount set up for use on flat-top AR15, M4 Carbine and M16 rifles. (Adapter available for carry handle mounting)
Removable spacer. Remove for use on shotguns and sub-guns.
QRP2 rail grabber mount. Snap knob three times for a perfect mount. Will not deform your rail like many other mounts.
Recessed lens openings helps prevent against impact damage, fingerprints and scratches.Applications: Law Enforcement carbines, rifles, shotguns and submachinegunsGENERAL DATAArticle number12841
TechnologyACET (Advanced Circuit Efficiency Technology)
Working principleReflex collimator sight - red dot sightOPTICAL DATALightsourceLED (Light Emitting Diode) totally eye-safe
Lightsource wavelength650 nm red light
Red dot size in MOA (minute of angle)*2
ParallaxAbsence of parallax -
No centering required
Eye reliefUnlimited
Night vision compatibilityYes
Anti-reflex coating all surfaces & multi-layer coating objective lensYes
MagnificationNo magnification (1X)ELECTRONIC DATABatteryOne 3V Lithium battery (not included), type 2L76 or DL1/3N
Battery life in hours **30 000 (over 3 years of continuous use)
Dot intensity adjustmentManual rotary switch
Daylight (DL) settings6 DL of which one extra bright
NVD settings4 NVDMECHANICAL DATAMaterial housingHigh strength aluminum
Surface finishHard anodized, matte
Color housingBlack
Adjustment 1 click13mm at 100m, (1/2 at 100yds)
Mounting methodsQRP2 mount for M1913 atandard Picatinny rail, and spacer for AR15/M4 carbine applicationENVIROMENTAL DATATemperature range-45 - +71 C, (50- +160 F)
Water resistance - submersible to45m, (150ft)
Radioactive components usedNoneDIMENSIONSLength130mm, (5.1)
Width/height sight only55 x 55mm, (2.2 x 2.2)
Maximum ring width30mm, (1.18)
Ojbective diameter38mm, (1.5)
Tube diameter30mm, (1.18)
Weight sight only220g, (7.8oz)****
Weight sight with integrated mount11.6 oz including mount and spacer* 1 MOA 30 mm at 100 meters 1 at 100 yards.
** at room temperature & at setting 7 out of 10.
Specifications are subject to change without notice.
Scosche IDR305MD Increased Dynamic Range Dark Earphones with tapLINE II and MicReceive a $15.99 prepaid card by mail from Newegg! Expires on 7/4/13
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Subsidized Student Loans Will Be Variable Rates Soon
Added on : Tuesday July 02nd 2013 07:00:05 AM
http://online.wsj.com/article/SB10001424127887323393804578555143...I can usually tell how a bill will shake out just based on the leverage of different players and those that are lining up on different sides.The compromise legislation will probably be something like 10 year treasury +.5%. It's possible that either side could get the other side to go their way with treasury +1%(or higher) or treasury +0%, but the people trying to stop this or actually even decrease fixed rates even more will lose since not doing anything means that they shoot up to double the rate fixed. Thought this was material enough financial information to some people especially those looking at going to school or back to school to post.
P.S. I particularly laughed hard at the idiocy of Elizabeth Warren in this situation.
WSJ said:
If you think the federal student-loan program looks like a bad deal for taxpayers, imagine how it would look with honest accounting. And now you don't need to imagine thanks to a new report that's receiving far too little attention. Turns out that the official "savings" for taxpayers of $184 billion over the next decade really add up to $95 billion in losses.

Here's the scam: Lawmakers peddle what is a massive subsidy for universities while claiming that student loans generate a windfall for the taxpayer. This phony windfall is conjured by creative accounting that politicians mandated via the Federal Credit Reform Act of 1990. Specifically, the law requires a deliberate under-counting of the cost of defaults.

This is partly how a Democratic Congress and President Obama managed to enact ObamaCare in 2010 while claiming that their big entitlement expansion would reduce costs. The health plan was paired with legislation that made the U.S. Department of Education the originator of roughly 90% of all student loans, which in turn generated billions in imaginary budget "savings."

To its credit, the Congressional Budget Office has noted on various occasions that while the law forces it to use this Beltway math, CBO knows it's not accurate under fair-value accounting. And in a new report on the costs of student loans made in the decade ending in 2023, CBO quantifies the size of this discrepancy at $279 billion. CBO adds with its typically wry understatement that Washington's mandated accounting method "does not consider some costs borne by the government."

That's for sure. Now keep in mind that the $95 billion net loss for taxpayers happens under current law. This includes Monday's doubling of rates that pushed subsidized Stafford loans for undergrads up to 6.8% from 3.4%. Politicians on both sides of the aisle say they don't want the rate increase to stick, and they are working on a bipartisan compromise that would be retroactive to July 1.

It's too much to hope that the politicians will swear off fraudulent accounting or try to reduce defaults. But one positive development is a growing bipartisan consensus that student-loan rates should rise as the government's own costs of borrowing rise.

The House has already passed a bill that would prevent student rates from doubling but would also protect taxpayers in the future by floating the rates at some spread above the 10-year Treasury note rate, depending on the type of loan.

Senate liberals like Tom Harkin (D., Iowa) came into the debate demanding that subsidized Stafford loans remain at a fixed 3.4%. Freshman Elizabeth Warren (D., Mass.) even introduced a plan to lend to kids at the Federal Reserve's discount window rate, currently 0.75%. Senator Warren claims to understand finance, by the way.

Refreshingly, someone at the White House budget office figured out that offering low fixed rates to students could be disastrous as the Treasury's own borrowing costs start to go north. Since Mr. Obama and Democrats have driven private firms almost entirely out of this market, the private lenders can't be squeezed anymore to pay for the next round of subsidies. So the President's budget also calls for tying rates to the 10-year Treasury note, though his plan is more taxpayer-unfriendly than the House bill.

The President's baby step toward fiscal sanity seems to have caught his liberal allies by surprise. Hence the recent hilarious spectacle of Ms. Warren, a Democrat, resisting a GOP effort to force a vote on the President's proposal.

Ms. Warren feared the vote because moderate Democrats increasingly accept that rates have to be tied to something resembling economic reality. Last week Senators Joe Manchin (D., W.Va.) and Tom Carper (D., Del.) joined Maine Independent Angus King and Republicans Lamar Alexander, Richard Burr and Tom Coburn to introduce a compromise plan that ties rates to the 10-year Treasury.

But bitter-enders including Majority Leader Harry Reid still want to gore the taxpayer with a fixed 3.4% rate, financed by tax increases. When Congress returns after this week's recess, expect Mr. Reid to force a vote on a one-year extension of his sweetheart rate for colleges. Fortunately for taxpayers, the Senate will also likely vote on the bipartisan plan that moves toward market rates.

If Mr. Reid wins, a $95 billion taxpayer hit will look like a lowball estimate. Either way, you can count on politicians like him to keep claiming they're saving you money.
Pearl Izumi Infinity Windblocking Jacket - Men's - 2012 Closeout $59.73 FS @ REIhttp://www.rei.com/outlet/deal-of-the-dayThe Pearl Izumi Infinity Windblocking jacket takes the edge off your cold-weather training thanks to a wind-resistant exterior and fleece interior for extra warmth. Front panels shed wind and light rain thanks to polyurethane-reinforced soft-shell fabric; rear panels feature stretch fabric for enhanced mobility
Fleeced polyester fabric on back and arm panels offers light insulation, wicks moisture away from body and dries quickly
Full-length zipper offers instant ventilation and easy on-and-off; mitted cuffs extend over hands to keep fingers warm
2 zippered hand pockets and 1 zippered rear pocket offer storage; reflective highlights increase visibility in dim light
The semifitted Infinity Windblocking jacket from Pearl Izumi skims the body without being too tight
Closeout
LinkCoupon code (20% off): EMCXPVN29 (exp 6/29)Update: On sale from $99.99 to $89.99, which means it's $71.99 AC. (Credit to VirtuaL.)4/5 Eggs (49 Reviews)Newegg Product SpecsBrand Toshiba
Model PH3200U-1I72
Packaging Retail Kit
Interface SATA 6.0Gb/s
Capacity 2TB
RPM 7200 RPM
Cache 64MB
Avg Seek 14ms
Size 3.5"Features
- Works with S