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New Garmin - VIRB HD Action Camera $99+FS@Groupon
Added on : Monday November 24th 2014 06:00:25 AM
g: 0 Posted By: CltrAltDelicious
Views: 242 Replies: 1 http://groupon.com/deals/gg-garmin-virb-1080p-action-camera?sid=...

Garmin Virb 1080p HD Action CameraThe Garmin Virbs 16MP CMOS sensor captures the tiny details of adrenaline-filled feats that can make your heart pound like youre there. The rechargeable lithium-ion battery captures up to 3.5 hours of HD footage at a time.Relive Your Adventures in HD
The Virb puts scrapbooks to shame by documenting your outdoor exploits in HD. Relive the adrenaline of the bike trail or the weightlessness of your pterodactyl ride in regular-speed or rich slow motion.Designed for Extreme Conditions
A IPX7 waterproof rating means that the Virb works even if its raining, snowing, or if its splashed with water. Its also easy to use with gloves on, since recording is activated by a large slider switch on the side of the camera.Mount Virtually Anywhere
The Virb comes with flat and curved surface mounts, so you can position the camera wherever you think itll get the best shot. An included adapter also helps affix it to popular industry mounts without having to buy extra gear.Specifications

Model number: 010-01088-00
Rugged waterproof camera
16MP CMOS sensor
1080p at 30fps
1.4 chroma display for playback and menu options
Slide-and-click recording designed for glove-wearing users
Record video and take photographs at once
Waterproof rating: IPX7
Battery life: up to 3.5 hours at 1080p
Rechargeable, removable 2000mAh lithium-ion battery
Condition: new
One-year warranty from Garmin
Dimensions: 32mm x 53mm x 111mm



In the box:Virb action camera, lithium-ion battery, cradle, short link, right-angle link, adapter to popular industry mounts, flat surface mount, curved surface mount, removable flange base, threaded collar, three knobs, USB cable, documentation
Cameras Deals

Groupon Coupons
g: 5 Posted By: remick
Views: 274 Replies: 0 http://www.amazon.com/gp/product/B00AVMPGY2

Relational database design teach-by-practical-diagrams-&-examples book for developers, programmers, systems analysts 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, 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 700 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.



also free

"Programming Sucks!" -- The Aspiring Developer's Guide
http://www.amazon.com/gp/product/B00MNFRKPS/

Programming sucks.
At least that's what I thought. I started with a closed mind. As with any new experience, there's a lot to learn.
Concept after concept.
New struggle after struggle.
Hosing an app more than once.
HTTP protocol. Command-Line. HTML. CSS. Programming Languages. Frameworks.
Is your head ready to explode? Mine was.
I felt stuck. And more often than not, wanting to give in.
I started journaling all of my problems. It just felt like I'd never get there with too much to learn -- and starting from nothing. Nothing but books that were dry, dull, too challenging, or not challenging enough. I tried to look everywhere for some inspiration -- that something to spark that little voice inside the back of my head. I had a hard time finding it. Maybe you do too..? That's where this book comes in.
This book is largely dedicated to my own experiences. In fact, when writing it, it was as if I was writing to myself a year ago. Kicking the stupid out of me one page at a time.
"Programming Sucks!" -- The Aspiring Developer's Guide is one of both personal experiences, and advice. You'll dig deep into some basic programming concepts. This will lay out an incredible foundation, and prepare you with a solid mindset of how to proceed. It's also not geared toward any particular programming language (although it makes heavy usage of Ruby.)
You'll enjoy the occasional metaphoric and dry humor, while thinking outside the everyday-box and setting the stage to learn effectively as a developer.
The best way to describe this book is not one to learn how to code.
If anything, it's a book to, "Learn how..to learn how to code."
I'd like to dedicate this book to you. And the fact that you won't give up.



Cloudera Impala
http://www.amazon.com/gp/product/B00NO8HB5W

Learn about Cloudera Impala--an open source project that's opening up the Apache Hadoop software stack to a wide audience of database analysts, users, and developers. The Impala massively parallel processing (MPP) engine makes SQL queries of Hadoop data simple enough to be accessible to analysts familiar with SQL and to users of business intelligence tools--and its fast enough to be used for interactive exploration and experimentation.



jQuery, JavaScript, and HTML5: A Simple Start to jQuery, JavaScript, and HTML5
http://www.amazon.com/gp/product/B00M8AYI1C/

Want To Learn jQuery, JavaScript, and HTML5 in the Simplest Way Possible?
If So, Then You've Come To The Right Place. This eBook Was Written by a Software Engineer Who Will Take You Step-by-Step To Become Skilled and Knowledgable at jQuery, JavaScript, HTML5, and More!

Here Is A Preview of What You Will Learn:
- The Basics of HTML
- The Basics of JavaScript
- The Basics of CSS3
- HTML5
- jQuery
- Forms
- Web Services
- Web Socket Communications
- Managing Local Data With the Help of Web Storage
- Offline Web Applications
- And More!



Thinking in HTML
http://www.amazon.com/gp/product/B00NN8H4FU

You will gain an intermediate knowledge of HTML after reading this book. Instead of wandering through loads of Theory, we will understand HTML practically so that we can semantically define the markup and structure of a webpage. We have used Notepad for the examples in this book. Alternatively, you can also use Notepad++ or any advanced editor. All you need to do is copy the code and paste it into Notepad. Upon execution, you will get the output as depicted in the screenshots. Screenshots are provided for each sample code.

Coding improves with practice. The examples in this book are compatible with almost every modern browser such as Mozilla Firefox, Opera or Google Chrome to name a few. Instead of using the verbatim code, you can modify the code and see the change in the output, thereby understanding the subtle nuances of HTML. By the end of the book, with practice, you can achieve better things as you get to grips with HTML.



Computer Systems Today
http://www.amazon.com/gp/product/B007P5SX34/

Computers are extremely fast, versatile, and finding their way into every business, industry, government and research activity today. The uses of computers are diverse and encompass arts and entertainment, science and medicine, education, transportation, problem-solving, research, decision-making, home and personal management, data warehouse, communication and message services, Internet, World Wide Web, intranet, law enforcement, etc. These computers can be used by any executive through a variety of user-friendly menu-driven graphical user interface packages without any prior computer experience.

Exploring the world of information technology can be informative, exciting, and challenging.
* For those students taking an introductory computer course who are just beginning to discover the world of information technology, Computers Today will make the process of this discovery enjoyable and educational.
* For those who are not entirely comfortable with computers and their applications, this text book provides blocks of information presented within the framework of the end-user's perspective and environment.

This book is written in a friendly, lucid, and engaging style that sparks the reader's interest. This project is an effort to show how computers affect our daily lives and how they will continue to have an ever increasing impact on our future.

We believe that, in Computers Today, you will find all you need to ensure that students understand and retain what they have read. We offer up-to-date coverage of latest computer systems concepts and an explanation of popular software packages. Though comprehensive in scope, each topic presents practical, day-to-day applications of computers.

Purpose Of This Edition

Computers Today acquaints readers with the many related areas of computer skills they will need if they are to understand the driving force behind our information society. These areas are:
* Knowing Computer Capabilities and Limitations.
* Knowing How To Use Computers.
* Knowing How Computer Hardware and Software Is Acquired.
* Understanding The Computer's Impact.

Key Themes
* Extensive Personal Computer Coverage. Although we discuss all types of computers, we place a strong emphasis on personal computers, reflecting their continuing prominence in home, business, and education.
* Focus on Computers in Business. We provide several features that focus on the uses of computers in the business environment. Topics include the use of personal computers; organizational information systems, the role of the chief information officer; security, privacy, and ethics; and knowledge-based systems, virtual office, and decision support systems.
* Coverage. Offers up-to-date coverage of computer concepts and an explanation of popular software packages. Though comprehensive in scope, each topic presents practical, day-to-day applications of computers.
* Buyer's Guide. Businesses, students and hobbyists are making important economic decisions about the purchase of computers for their needs. This book provides enough guidelines for the purchase of hardware and software.
* Appealing Style. When students enjoy what they read, they remember it. The text's friendly style encourages the reader and increases students' comprehension and confidence.

Key topics covered include: computer capabilities and limitations, how to use computers, how computer hardware and software is acquired, understand the computer's impact, personal computers, computers in business, organizational information systems, role of the chief information officer; security, privacy, ethics; knowledge-based systems, virtual office, and decision support systems, etc.



Ultimate App Making Guide: The Beginner's Guide to Setting up Their App Development Business
http://www.amazon.com/gp/product/B00P1KBHOC/

With the advent of smartphones our lives have become easier and you know what makes an average smart phone user's experience even better? It is those entertaining and useful applications we come across every day. More & more people are plunging into the world of application development. More & more businesses, big or small startup entities, they all make sure that they are present for their customers 24/7 and what better way can there be other than creating an application for their smartphones?

This book has been compiled to serve as the user guide for a complete beginner. This book contains -
> Step by step guide to Android Development
> Step by step guide to iOS Development
> Step by step guide to Windows Development
> Various online resources & tools you can use to boost your efforts
> Reskinning & much more!

This book will serve as your manual to the application development process. It has been kept in account that the book is written in such a way that even a non-tech savvy person will be able to create his or her own application by the end of this book.

Books Deals

Amazon Coupons
Getting out of the military, looking for my next opportunity
Added on : Sunday November 16th 2014 09:00:05 AM
g: 0 Posted By: mastroadam
Views: 102 Replies: 0 I'm 26 years old and getting out of the marine corps soon. I have a wife and two kids, free housing with my parents when I get out, two vehicles paid for, 25k in the bank, 10k in lending club that I am slowing taking out after they allowed institutional investors to have first dibs. I have three years experience prior to the military in the health food industry and six months in quality control, active security clearance, four years in air defense experience. I've been churning for the past four years, investing for the past six years. Interested in flipping things off slickdeals and rental income. My wife is bilingual, veteran, and has a disability (which from what I read lets us qualify for a VA loan minus the funding fee). I will be moving to the Chicago area in a few weeks and would like you input for any opportunitiesI might have overlooked.

Discussion Deals
65% OFF Business Plan Pro Complete v 12 $34.98 Fs Amazon Lightning Deal
Added on : Friday November 14th 2014 03:00:10 AM
g: 0 Posted By: tedhawkins
Views: 159 Replies: 0 65% OFF Business Plan Pro Complete v 12 $34.98 Fs Amazon Lightning Deal

http://www.amazon.com/dp/B005LAM8KE/

Add to cart from Lightning Deal Page
http://www.amazon.com/gp/goldbox

The answers you need - Over 9,000 industry profiles included so you have real numbers from real businesses like yours to guide your decisions
Formats lenders prefer - Use familiar formatting tools to customize the overall appearance of your plan. Then create an output in the preferred format of bankers and SBA approved lenders.
Fool proof error check - The Plan Review feature checks all your data twice for a flawless plan. Plus, the software checks for spelling and accuracy at every step.
Over 2,000 business plans and examples included - Learn by example with plans in every industry, including education, automotive, computer, construction, entertainment, health care and so many more
Give plans your personal touch - Includes everything you need by easily importing text, photos, images and charts. Then export to Word, Excel, PowerPoint or PDF.
Software Deals

Amazon Coupons
When should I consider buying an investment property?
Added on : Thursday November 13th 2014 11:00:05 AM
g: 0 Posted By: Vikings14
Views: 2 Replies: 0 I am single, late 20s, and make $59,000. Career has progressed very nicely thus far and I consider the industry I am in tobe very stable. I own a condo. 3.5% interest rate and have $63,000 left on my mortgage. My place is a nice, big, clean,1​bedroom condo in a good location. Its ideal for me right now and I will notbe moving until its necessary (ie wife/kids). My monthly mortgage, taxes, and HOA is $800 a month,but I pay $1000 (extra towards principal).

Recently came into $25,000 without doing anything to earn it. I already had about $35,000 in assets prior to that (not including 401k or equity in my home), Minimal debt of any kind.

I do have a vision, I want to purchase a property with a commercialbusiness and 2-4 apartments on a main road in this specific town. It will cost up to $250,000 to do this.

Do you think I readybased on the info provided above?
New User Question Deals
g: 0 Posted By: Deals4mykids
Views: 115 Replies: 0 Save $70 and free store pickup

http://www.sears.com/craftsman-3-gallon-portable-air-compressor/...

The 3-gallon portable air compressor boasts a heavy-duty 1.0 HP induction motor that has a long-lasting oil-lubricated direct drive pump. With an INDUSTRY LEADING maximum PSI of 135, it provides more air to get jobs done faster and save time! Includes an oil sight glass, so you can check oil quickly without having to use a dip stick.
Oil must be added to the compressor pump before operation.

Make household and workplace inflation jobs simple with the Craftsman 3-gallon oil lube portable air compressor
Ideal for jobs of all sizes
Piston style, 15 amps
1.0 HP motor guarantees quick recharges for steady work
INDUSTRY LEADING 135 max PSI to get projects done faster
Universal one hand quick connect allows for fast swapping between tools and jobs
Oil sight glass eliminates the use of a dip stick to check the oil
BONUS includes 25' coil hose, 3 piece kit - ball tire chuck, male plug and seal tape
Tools Deals

Sears Coupons
g: 0 Posted By: ctgolfer
Views: 125 Replies: 0 Oil must be added to the compressor pump before operation.
Make household and workplace inflation jobs simple with the Craftsman 3-gallon oil lube portable air compressor
Ideal for jobs of all sizes
Piston style, 15 amps
1.0 HP motor guarantees quick recharges for steady work
INDUSTRY LEADING 135 max PSI to get projects done faster
Universal one hand quick connect allows for fast swapping between tools and jobs
Oil sight glass eliminates the use of a dip stick to check the oil
BONUS includes 25' coil hose, 3 piece kit - ball tire chuck, male plug and seal tape

www.sears.com/craftsman-3-gallon-portable-air-compressor/p-00915...
Tools Deals

Sears Coupons
g: 0 Posted By: ctgolfer
Views: 147 Replies: 0 Ultra-portable wireless music system
High-quality wireless music playback and speakerphone in one
Built-in, rechargeable, Lithium-Ion battery provides an industry-best 12 hours play time

www.neweggflash.com/Product/N82E16855989040
Headphones & Speakers Deals

Newegg Coupons
g: 6 Posted By: remick
Views: 330 Replies: 0 http://www.amazon.com/gp/product/B00D1W04X2

Are you happy with the way you work? Are you engaged, energised in the office? Or do you sometimes feel that your days are dominated by process and technology?

Reimagining business is about waking up to a new environment, based on collaborative and flexible working, on technology that, used correctly, liberates rather than constrains. The future of work must be based on being open, on focusing on results, not process and on empowerment, not hierarchy.
Dave Coplin, Chief Envisioning Officer at Microsoft UK, has been immersed in the technologies that are making waves in the workplace. This is his call to reimagine business.


also free

Lead: Strategic Management and Leadership for Innovators and Solopreneurs
http://www.amazon.com/gp/product/B00NRVWE3A

Managing your business is more than simply hiring people and making sure they do their job. Truth is if you hire well, whether its employees or a part time VA, you wont need to make sure theyre doing their job. Management is about seeing the big picture and being the person to make sure all the facets of an operation are moving together efficiently.

If you are ready to take your business to the next level and blow past the competition, effective management is the key to making that goal a reality. This book will give you a step by step 21 day plan to put the systems in place so your business can run smoothly and you can focus on what youre best at.

You will learn:
The basics of financial management and bookkeeping, if you screw this up your business is toast
Basic business financial analysis, do you know how much money youre making or losing?
How to determine if it is time to hire help, youll probably need to do this sooner than you think
The difference between outsourcing and hiring employees, there are massive legal and financial difference here and not knowing the difference runs you the risk of running afoul of the IRS
How to design a job and write a job description that people will have people competing to work for you
How to hire temporary, contract, or freelance help, the paperwork is SUPER important here
How to hire employees, you thought hiring contractors required a lot of paperwork, employees are a whole different ball game
How to map your business systems, this is actually a lot more simple that it sounds
How to identify and track business metrics, this is another concept that can sound scary but actually makes decision making for your business simple
What you need to do to protect yourself and your business from outsiders and from each other


Energy Suckers-How To Deal With Bullies in the Workplace
http://www.amazon.com/gp/product/B00HI3IWKW

The work world is full of bullies who criticize, blame, intimidate, and humiliate others. In a study of U.S. workers, 41% reported experiencing psychological aggression at work in the last year. Bullying occurs in every industry and every profession. It is estimates that more than two million professionals and managers are pushed out of their jobs each year by bullying. This comes at a cost to employers of $64 billion a year. Decreased productivity, absenteeism, low morale and teamwork are all outcomes of a toxic work culture.

In Energy Suckers, Barbara Bartlein gives you the tools to address workplace bullying in your organizations and Energy Suckers in your life. She shows you how to take charge with:

- The seven types of bullies and how you can handle them.
- How you can defuse and prevent bullying from happening.
- What you can do to protect yourself from becoming a Target.
- How to create a high performing workplace based on respect and civility.


Fast MBA: A 4-Book Collection for Anyone Seeking to Master the Art of Business
http://www.amazon.com/gp/product/B00L2OLOZ8

Fast MBA: A Collection for Anyone Seeking to Master the Art of Business includes four of the most popular books by well-known business author Can Akdeniz. The collection includes MBA 2.0: Handbook for Modern Business Practice, CEO School: Collective Wisdom of Top CEOs, Happy Company: How to Create a Happy, Trustable and Successful Business, and Go Nuts: The Art of Creativity and Innovation. By purchasing these valuable business guides as a set rather than individually, you will get all four for the price of three.


Born to Win: Find Your Success Code
http://www.amazon.com/dp/B006ZG5THW

Zig Ziglars Born to Win: Find Your Success Code, compresses four decades of life-changing tools and practices into one inspiring, easy-to-use format for people who want to grow and improve the whole spectrum of their lives now!

Zig has always taught that You were born to win, but to be the winner you were born to be you must plan to win and prepare to win. Then and only then can you legitimately expect to win. Born to Win guides readers through this plan-prepare-expect strategy. You will learn that when you have the hope that things can change, and a plan to make that change possible, you can take action.

Zig Ziglars whole-person, balanced-living approach to life has inspired millions to enjoy good health, a new depth of love and gratitude for family and friends, financial security and independence, and spiritual peace of mind. His instruction on how to live a life that leaves no room for regret or worry is the starting point for a joyful, exciting, vibrant life. It is true that when you have prepared yourself to be the right kind of person, you can do what you need to do to expect success. When you truly understand that you were born to win, you can change the world!


Powerful Communication: Influence, Persuasion and Communication Skills You Need to Have
http://www.amazon.com/gp/product/B00L9K6928

Whether you are a business owner, leader, or just about anything else, communication is critical. If your communication abilities are limited, though, your potential for success will also be limited.
In Powerful Communication: Influence, Persuasion, and Communication Skills You Need to Have #1 Best Selling Author Ric Thompson shares proven steps and strategies for how to improve your communication skills and how to use those skills to achieve your goals and live your dreams.
After reading this book, you will understand why powerful communication is so important to success in all areas of your life.

You will learn:
What communication should look like, and why it so often doesnt happen the way we think it should or did
Why active listening is so important, and how its an absolute goldmine of information
The role of body language, inflection, and tone of voice; and how it makes up more than 90% of how communication is received
How to build rapport and put people into a receptive frame of mind; no they arent Jedi mind tricks, they just work like them
How to determine personal communication styles; it doesnt matter how good of a communicator you think you are if youre alienating people with a different style than yours
Tips for using email and cell phones, and on giving and receiving feedback; so you dont blow up all of your hard earned progress

If you have big dreams and lofty goals, the key to getting what you want is being able to communicate effectively with the people who can help you achieve your desires.



101 Time Management Tips for Busy Entrepreneurs
http://www.amazon.com/dp/B0055T91Q0/

This is a short, tips-style book thats all content without the filler. You get more than 100 tips, techniques and strategies to help you get a whole lot more done in less time than ever before.

Youll discover how to maximize your time by setting goals and establishing priorities, focusing your mind of short periods, breaking larger projects into easily manageable tasks, and by overcoming procrastination -- once and for all.

Youll learn how to work smarter instead of harder... how to chunk down large projects and keep track in a team environment... how to run meetings smoothly and efficiently... how to get the most out of your most productive hours... and a whole lot more. Youll also learn how to gain an almost unfair advantage every singly morning when you hit the deck.

This little gem also shows you:

How to eliminate time-wasting habits and boost your productivity by default...
Make every day far more productive without working any harder...
The painless way to organize your paperwork so it actually serves you instead of burying you...
Simple little tricks to generate the highest returns on the time you invest...
How to kick the procrastination habit without therapy...
How to make every minute of your workday not only count but generate the kind of tangible returns only the top 5% of producers enjoy...



Books Deals

Amazon Coupons
g: 0 Posted By: ragingwookiee
Views: 103 Replies: 0 Fancierstudio DSLR RIG With Follow Focus Matte Box And Counterweight -- $135.00 + FS at Amazon

Gears Nylon and ABS Dial Index Adjustment : 360 degrees
Mattebox Material: ABS Follow Focus Mounts onto 15 mm Rod Support
Compatible with industry stand 15mm rods Shoulder Pad With Counterweight
Gear drive can be mounted from both side Suitable for: All DSLR cameras,video cameras
1/4" female adapter at bottom Lens Max support up to 77mm

Cameras Deals

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g: 1 Posted By: remick
Views: 180 Replies: 0 http://www.amazon.com/dp/B00MNMHM9A/

5.0 out of 5 stars (46 customer reviews)
Publication Date: August 11, 2014
Print Length: 276 pages

Finally, a book that helps entrepreneurs young and old on their journey of finding the American Dream. Is this the new Gold Rush? Will people want to get involved with this industry? What are the potential for earnings . . . millions? Billions? As more states agree to the sale of marijuana, the opportunity to open dispensaries and/or grow facilities will continue to rise. Over the last two decades, large corporations like Monsanto, a sustainable agricultural company, have bought up hundreds of family farms and turned their food harvests into huge profits. It is not a stretch to envision the same tactics being applied to the marijuana industry. The opportunity is here, and its real, and the possibilities are endless.


This book is a step-by-step guide to help you be on the winning side of this Green Rush.
The Marijuana Business books leave no stone unturned. This book will teach you what others have yet to learn. Jeff Grissler will put you on the fast track to success in the marijuana business. The American dream is still possible. Your journey starts here

Visualize, dream, plan and organize your new business venture
Assess and pick the right locations
Select your legal and financial teams
Navigate through the entire legal process
Find the money or capital that you will need to finance your new business venture
Learn how to put a business plan together
Design a dispensary and grow facility
Learn how to grow marijuana
Hire the right staff for your business
Learn about Air tight Security
And, everything else you will need to own and operate a profitable marijuana business



Coming to your state sooner or later. Get in on the ground floor.




Totally Free Deals
Free samples of specialty tapes from tesa (company name required)
Added on : Wednesday October 29th 2014 02:00:05 PM
g: 0 Posted By: remick
Views: 17 Replies: 0 appliance tape
http://www.tesatape.com/industry/appliances/sample_request


Foam Tapes
http://www.tesatape.com/industry/paper_print/flexible_packaging_...

g: 0 Posted By: tedhawkins
Views: 175 Replies: 0 38% off the Meopta Meopro 3.5-10x44 Plex Riflescope $399.99 + $5.99 Flat shipping

http://www.gearhog.com/

Deal Overview
Extra range and twilight confidence.

The Bright and sharp with smooth operating and robust mechanics the new MeoPro 3.5-10x44 gives the hunter a little more objective size and a lot more confidence during twilight hunting hours. MeoBrightTM ion assisted lens multi-coatings deliver maximum light transmission and sharpness in every lighting condition and our MeoShieldTM coating protects exposed lens surfaces from abrasion. The new MeoPro 3.5-10x44 is ready for a successful hunt.

The MeoPro 3.5-10x44 riflescope features reticles in the second focal plane. Reticle placement in the second focal plane means that as you increase or decrease magnification, the apparent size of the reticle remains constant.

FEATURES
+ MeoBrightTM - A proprietary ion-assisted lens multi-coating applied to all air-to-glass optical surfaces. Developed by Meopta, MeoBrightTM ion- assisted multi-coatings eliminate glare and reflections and delivers an industry leading 99.8% light transmission per lens surface.

+ MeoShieldTM - MeoShield TM ion-assisted coating protects external lens surfaces and delivers enhanced resistance to scratching or abrasion in extreme conditions. MeoShieldTM meets military specifications for durability and surface hardness.

+ MeoTrak IITM Elevation and Windage Control - MeoTrak IITM posi-click finger adjustable windage and elevation turrets deliver precise, MOA (0,7cm / 100m) click adjustment with superior repeatability, unparalleled tracking capability and ultimate accuracy. Positive tactile and audible clicks ensure accurate zeroing and adjustability in the field.

+ Lens Components - Individual lens components are meticulously ground and polished in-house and precisely matched for superior performance.

+ Erector System - Developed to provide maximum holding force to withstand heavy caliber recoil and eliminate backlash, resulting in repeatable accuracy and zero hold.

+ One Inch Main Tube Construction - One piece, aircraft grade aluminum 1" main tube is "ELOX" hard anodized for an incredibly durable, scratch resistant, non-reflective matte black finish.

+ Waterproof - All riflescopes are 100% guaranteed waterproof, submersible and are fully protected against humidity, rain and snow.

+ Fogproof - All riflescopes are purged and sealed with inert Nitrogen gas to provide 100% guaranteed fogproof performance.

+ Shockproof - All riflescopes are 100% guaranteed shockproof to withstand impacts and heavy caliber recoil.
Guns & Ammo Deals
g: 0 Posted By: JKLMN
Views: 60 Replies: 1 http://www.ebay.com/itm/Buy-a-100-GameStop-Gift-Card-and-get-a-1...

Buy a $100 GameStop Gift Card and get a $10 bonus.
GameStop is the world's largest video game retailer. With over 6,100 stores located throughout the United States and 17 countries, we are the retail destination for gamers around the world. We complement our store network with GameStop.com and EBgames.com, and publish Game Informer, one of the industry's largest circulation video game magazines.

GameStop Terms and Conditions

This card can be used to purchase merchandise only in the U.S. GameStop stores listed below or at either GameStop.com or EBgames.com. Except where required by law, it may not be returned, redeemed for cash, or applied as payment on any account, and will not be replaced if lost or stolen. This card is not a credit card or a debit card and carries no warranties, expressed or implied. This card is issued by and represents an obligation of Marketing Control Services, Inc. (a Virginia company), which reserves the right to change these terms and conditions. Void where prohibited. To obtain your card balance, call 1-888-818-2915. GameStop is the worlds largest video game retailer. GameStop operates EBgames, Babbages, Electronics Boutique, EBX, Funcoland, Planet X, Software Etc., EBgames.com and GameStop.com.
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g: 0 Posted By: ctgolfer
Views: 58 Replies: 0 This 60 Class AQUOS LED Smart TV features the new SmartCentral 3.0 the industrys most complete smart TV experience. A smart guide integrates cable, satellite and streaming channels - no more switching TV inputs or apps to find the shows you want to watch. SmartCentral also gives you access to the best apps From instant access to movies with Netflix and Vudu, to videos with YouTube, music with Pandora and Rhapsody, social with Facebook, and the best of gaming. Now, virtually everything you do on your Smart TV can be done from your tablet or smartphone. The new SmartCentral app lets you search and discover new content without interrupting what youre watching, and launch it seamlessly. Change channels, volume, or inputs and adjust picture settings. Share videos, pictures and music. And with Miracast screen mirroring technology (available on Android devices), anything on your smartphone, tablet or laptop can be viewed in glorious high definition TV without a wired connection.

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Added on : Saturday October 25th 2014 12:00:04 PM
g: 0 Posted By: remick
Views: 133 Replies: 0 https://splashvpn.com/

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Views: 102 Replies: 0 Free Assassin's Creed Unity Download Code - info here www.amazon.com/b/ref=amb_link_425800182_3?ie=UTF8&node=102070700...

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g: 0 Posted By: ljrenn
Views: 66 Replies: 0 On Oct 26 this newly published ebook will be free for a limited time. A recently arrived disease is making its way through the Caribbean, central and south America, as well as now moving in the United States. I want to get this information out free of charge so those people who are about to travel there can be better informed. The travel industry isnt raising the flag, so I am. After researching this book, I will not be traveling to the area. If you know someone who is traveling, get them this Kindle book for free. http://www.amazon.com/Chikungunya-Virus-Reality-vacation-could-ebook/dp/B00OUK3NAK/ref=sr_1_1?s=digital-text&ie=UTF8&qid=1414217142&sr=1-1&keywords=chikungunya
Need some employment counter offer advice
Added on : Friday October 24th 2014 09:00:12 AM
g: 0 Posted By: jaytrader
Views: 0 Replies: 0 Been at my current company for six years. Recently requested a 46% raise to bring me up to 'average' market rate. Coincidentally, I was contacted by a recruiter a day later, who came across my resume and offered me double what I make now before any sort of negotiation--they are in dire need of someone to fill the role. It's a two-year contract to hire with a major international corporation. Only caveat is that I have to move halfway across the country. I am married, no kids, don't own a home and have nothing other than family and friends tying me to my current location. Wife would quit her job and move with me. Ideal situation would be that my current company gives me the requested 46% raise and we stay here. My income+46% raise+wife's income is greater than the offer I received. Wife may have trouble finding a job at the new company location due to the industry she's in.

Hypothetical world: boss gives me a counter to what I requested, then I tell him I got an offer making double what I currently make. Then he gives me what I wanted originally (I'd be happy to take this, even though it's $30k less than the offered position so I don't have to move and uproot my wife's career). I've read all over that accepting a counter is bad. However, my situation is unique in that we've lost some key people in our department over the last year due to losing a huge bread and butter contract (no layoffs; people got scared and left). However, things aren't as grim as they were a year ago (when we lost the contract) and now our company is actually doing very well and has replaced the revenue lost from said contract. What do I do?

As mentioned, ideally I'll get what I requested and we remain on two incomes. Given I am the sole person responsible for four major systems and no one can replace me who currently works here, I think I am valuable to our company. If I left, they'd have to replace me with at least two people if they were lucky enough. The systems I manage are in no way similar and so finding a new candidate to take over all of those roles would be like winning the lotto.
g: 0 Posted By: Y3ll0wSlack3r
Views: 9 Replies: 0 The Most Useful Websites: For Small Business & Entrepreneurs (Entrepreneur & Small Business)

Get it while it is still freeEditorial ReviewsAbout the AuthorValerie McGilvrey has an extensive background in investigations, background searches and skip tracing. Her book, Skip Trace Secrets, has become an industry standard. She has been interviewed by Psychology Today, written articles for Allstate and is the editor and writer for her online blog thedailyskip.comProduct DetailsWould you like to give feedback on images or tell us about a lower price? .

File Size: 1212 KB
Print Length: 62 pages
Publisher: McGilvery ePub (December 2, 2013)
Sold by:Amazon Digital Services, Inc.
Language: English
ASIN: B00ETEF292
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X-Ray:http://www.amazon.com/dp/B00ETEF292?ie=UTF8&link_code=as3&camp=211163&creative=375279&creativeASIN=B00ETEF292#
Lending: Enabled
Amazon Best Sellers Rank: #1,480 Free in Kindle Store (See Top 100 Free in Kindle Store)

#8 inKindle Store > Kindle Short Reads > 90 minutes (44-64 pages) > Computers & Technology


g: 0 Posted By: remick
Views: 98 Replies: 0 http://www.tesatape.com/industry/building_supply/signage/sample_...

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g: 0 Posted By: Farfisa850
Views: 122 Replies: 0 http://www.ebay.com/itm/Polk-Audio-Monitor-70-Series-II-BLACK-To...

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g: 0 Posted By: ctgolfer
Views: 104 Replies: 0 Make household and workplace inflation jobs simple with the Craftsman 3-gallon oil lube portable air compressor
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g: 0 Posted By: remick
Views: 1 Replies: 0 https://stacksocial.com/sales/learn-to-build-your-own-iphone-gam...

CREATE YOUR OWN iPHONE GAME

MakeGamesWithUs is an online academy that provides you with the tools and skills needed to build your very own iPhone game. This course is 8-weeks long and covers many different game formats, giving you a well rounded working knowledge of how to create addicting iOS games!

During the first 4 weeks, you will re-create Flappy Bird, Angry Birds and the Game of Life. This gives you the fundamentals and hands on experience to work on and create your own iOS game during the final 4 weeks.

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MakeGamesWithUs uses a learn by making teaching style, giving you the hands on experience necessary to end the course will a fully functioning iOS game. Their curriculum is so successful it is used to teach classes at MIT, UC Berkeley and Carnegie Mellon. There is no excuse to miss this FREE opportunity to learn such valuable skills.

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g: 0 Posted By: remick
Views: 75 Replies: 0 http://www.amazon.com/dp/B00OFR1C8S/

"Essential Advice From A Pro: For The Beginner And Intermediate Flute Player" is aimed at flute students wanting to get more out of their flute and their flute studies.

My name is Anna Papij and Ive been working as a flute teacher and performer for 15 years. Over the years I see a lot of the same questions come up from students in my studio, and from students in various online forums. I thought it would be a great idea to have a resource that covered all of these questions, which are from beginner to intermediate students and amateur performers.

Assuming you know already how to play the flute, well cover a lot of ground from how to choose a flute, how to practise, how to be more expressive, how to get a better tone, how to learn fast music, and how to promote yourself as a teacher and performer.

So if you are a beginner or intermediate student, or if you are wanting to break into the industry, Ill teach you how to be a better player and how to make the most of your flute and your flute playing.
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g: 3 Posted By: remick
Views: 252 Replies: 1 Propose, Prepare, Present: How to become a successful, effective, and popular speaker at industry conferences
http://www.amazon.com/dp/B00D3VH4KW

Every year, tens of thousands of companiesfrom industry giants to aspiring upstartsapply to speak at conferences. They pump millions of dollars into these events, hoping to find new customers, strengthen their brand, and meet new partners. Sadly, for most of them, things dont go that way. Submitted topics arent chosen; when they are, they come across as tone-deaf sales pitches.

What does it take to be chosen to speakand to rock the mic when given the chance? This book takes you behind-the-scenes of the conference process, showing you how to submit, plan, and deliver a talk that matters. Event organizer Alistair Croll provides many examples based on his experience with a wide range of conferences, including OReillys Strata, Velocity, Web2Expo, and TOC Conferences.

Learn 11 items that help your submission stand outand 11 items that will get it tossed
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Powerful Communication: Influence, Persuasion and Communication Skills You Need to Have
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Whether you are a business owner, leader, or just about anything else, communication is critical. If your communication abilities are limited, though, your potential for success will also be limited.
In Powerful Communication: Influence, Persuasion, and Communication Skills You Need to Have #1 Best Selling Author Ric Thompson shares proven steps and strategies for how to improve your communication skills and how to use those skills to achieve your goals and live your dreams.



Public Speaking - Simple Tips To Become A Confident And Successful Public Speaker For Life
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Youre about to discover how to feel comfortable and fully at ease with public speaking.
Many experts claim that public speaking is a dying art. This is because many people dread standing up in front of a crowd to say their piece. In fact, if they could get away not doing it at all, they probably will. This fear of public speaking breeds a counterproductive mindset that is actually more disadvantageous over the long run.
What is needed is to imbibe the right attitude needed to help you get your debilitating fear of the unknown. To enable you to become a confident and successful public speaker, you need to tell yourself that you are



Informal Learning at Work: How to Boost Performance in Tough Times
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Discover how the role of anybody involved with workplace learning, enhancing capability and improving performance MUST change to successfully manage the critical shift in the way organizations need to cater to the learning needs of their employees.
Despite millions spent on training, surveys show that the majority of workers are disengaged and delivering far less than they are capable of. Deliberately harnessing the power of informal learning is the new way to tangibly improve worker capability and performance, right at the point of work.
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Everybody wants to be an entrepreneur but not everybody knows how to start a business. Did you ever have an idea that seemed good but didn't know how to follow it? Are you having a hard time coming up with ideas that could turn into gold? Well, this book will teach you how to generate ideas, pick the most suitable ones, share them, transform them and then turn them into a moneymaking activity that will go along with a well developed business plan.You'll learn through a step by step process and, hopefully, get motivated enough to make the jump from nothing to SUCCESS!



Capability at Work: How to Solve the Performance Puzzle
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Many organisations struggle with poor performance. Despite investing in various learning and development initiatives they seem unable to solve the performance puzzle. They cannot get to the real underlying cause of the lack of performance, and so it continues.
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Cashflow problems kill more small businesses than anything else. But before you can tame cashflow you have to understand your business: and that means learning basic accounting. Covering everything you need to know from accruals to year-end, Actually Useful Accounting is written by one of the masters of clear explanation: Phil Cohen. Phil started and still runs two consulting firms in Sydney, Australia, and has 30 years experience of what it takes to make a business a success. Contains excellent advice on tax, insurance, invoicing, payment terms, as well as a clear and bulletproof explanation of accounting and its application to running a successful business.



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http://www.amazon.com/dp/B00G2BL15Y

Until now, leadership has always been viewed as the purview of a select few - it seems to be more about the "what" these leaders want their subjects to do, rather than the "how-to." That's a mistake, says Vinay Nadig. In this persuasive and pragmatic new book, Vinay makes a case that (a) leadership is accessible to anyone and (b) leadership is a set of sustainable daily behaviors.
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g: 0 Posted By: blunty
Views: 0 Replies: 0 Newegg
Seasonic SS-660XP2 ATX 12V/EPS 12V, 660W, 80 PLUS PLATINUM Full Modular certified Active PFC Power Supply New 4th Gen CPU Certified Haswell Ready
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g: 0 Posted By: bogalusa
Views: 142 Replies: 0 On the heels of "Cruise Week" (Oct. 6-13 - yes, ends today), which is an industry-wide promotion of what were promoted as special deals, Travelzoo emailed me about a new one.

My guess is that this deal is better than most "Cruise Week" specials, at least for those in the Northeast.
Note the best features and restrictions in highlighted bold.
I really like how it includes taxes!

Details--
From the Travelzoo Newsdesk Balcony on Bermuda Cruise Now $1099 w/$1000 in Extras By Allison Friendly
NATIONWIDE--OCTOBER 13, 2014-- Today, the cost of a balcony cabin on a seven-night Bermuda cruise on Celebrity -- named a top Mega-Ship Cruise Line by Travel + Leisure -- was reduced to $1099 per person.

This deal includes more than $1,000 in extras, including roundtrip transportation from cities across the Northeast to the departure port in New Jersey.

This offer -- which is limited to the first 50 cabins booked per sailing -- includes:

Beverage package for two with unlimited drinks, including alcohol (reg. $686 per cabin)
Prepaid gratuities (reg. $168 per cabin)
$100 onboard credit per cabin
Roundtrip bus transportation to the port in New Jersey from Massachusetts, New Hampshire, Pennsylvania, Connecticut, Delaware, Maryland and Rhode Island (reg. $110 per person)

This deal is available for the May 17 sailing of the Celebrity Summit (pictured). Sailings May 24 and 31 are $50 more per person, and sailings May 3, 10 and June 7 are $100 more per person.

For more information, including all pick-up locations for the bus transportation, and to book with CruCon Cruise Outlet, click below, or call 800-493-6609.
Final price will include $214-$226 in taxes per person.
The sale ends at 11:59 p.m. ET Friday.
Note: If no transportation to the port is needed, travelers will receive an additional $100 in onboard credit (for a total of $200 per cabin).

Click for More Info
Terms & Conditions: All airfare prices listed include mandatory taxes, but do not include baggage fees, which may be additional.
All vacation and cruise prices listed are per person, based on double occupancy.
Cruise Deals Deals
g: 0 Posted By: tedhawkins
Views: 39 Replies: 0 Gun Digest 2015 Edition NEW + 2015 Gun Digest page-a-day Calendar (39% off MSRP) $29.99 + $5.99 S/h

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Deal Overview
Gun Digest 2015, 69th Annual Edition
By Jerry Lee

You'll enjoy this gun book if:

+ You want updated information and gun reviews on both recently released firearms & older guns
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+ You want to read about all things guns, from handloading, to ammunition & more

In our 2015 69th Edition, Jerry Lee again helps us carry on the tradition of being the gun book every firearms lover turns to.

With in-depth articles about today's most fascinating guns, both old and new, testfire stories on the industry's hot-off-the-line guns, insights on fine collectibles and custom creations, and up to date reports on new optics, guns, ammo, and reloading equipment, this book has something for everyone.

In Gun Digest 2015 you'll find:

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+ A full-color image of a different rifle, handgun, or shotgun on every page
+ Facts and figures on today's most popular firearms

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Added on : Sunday October 12th 2014 12:00:11 PM
g: 1 Posted By: DaysFan
Views: 223 Replies: 0 http://www.frys.com/product/7709838?site=sa:adpagespage37_FRI date:101014

TCL 32" Class (31.5" Actual Diagonal Size) LED TV (LE32HDF3010)Limit 1 per Household.(when purchased between 10/12/2014 and 10/16/2014

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Enjoy The Creative Life with the TCL 32" 720p back-lit LED HDTV. It delivers premium picture quality and tremendous value in a sophisticated slim frame design perfect for bringing entertainment to any space. This flat screen LED HDTV features High Definition 720p resolution and a 3,500,000:1 dynamic contrast ratio for brilliant color and contrast. Three HDMI inputs allow you to connect to satellite or cable TV, DVD/Blu-ray player, and gaming console or other device.SRS TruSurroundHD provides broader and more immersive surround sound reaching every corner of the room. This MHL (Mobile High-Definition Link) enabled HDTV allows you to effortlessly connect your smartphone or tablet to the TV to display content and simultaneously charge the device. Exceeding ENERGY STAR 6.0 Guidelines, this TV's low energy usage ensures that the planet and your wallet will be better off. Color Your World with affordable technology backed by an industry-leading 2 year limited manufacturer's warranty.http://www.frys.com/product/7709838#detailed
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g: 2 Posted By: DawgLb
Views: 460 Replies: 1 4.5 out of 5 stars (153 customer reviews)

He messed with James Brown's perfect hair. He counted a pile of cash with Aretha Franklin in her hotel room. He ate popcorn with Leonard Cohen. He cured a dying sparrow with Joan Baez. He got bamboozled by Chuck Berry.

Kenny Weissberg followed the music his entire career. A disc jockey, critic, rock singer, bandleader, and concert promoter, he lived all his childhood dreams--some of which turned into nightmares.

Off My Rocker presents a rollicking, backstage look at the joys and painful realities of a life devoted to music. During his early years as a radio personality, Weissberg basks in the creative glow of the free-spirited, post-Woodstock era but later rebels against the soulless corporate takeover of the music he's loved forever. Along the way, he detours to the dark side, succumbing to the greed, deceit, theft, and drugs that plague the entertainment industry.

In lively prose and vivid detail, Weissberg shares stories about the eccentric cast of characters who cross his path, including a spectacular array of showbiz legends. Equal parts spicy confessional and pop-culture adventure, with trenchant insights throughout, this page-turner of a memoir will stay with you long after the closing credits.

http://www.amazon.com/Off-My-Rocker-Star-Studded-Everlasting-ebo...
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g: 0 Posted By: DawgLb
Views: 93 Replies: 0 He messed with James Brown's perfect hair. He counted a pile of cash with Aretha Franklin in her hotel room. He ate popcorn with Leonard Cohen. He cured a dying sparrow with Joan Baez. He got bamboozled by Chuck Berry.

Kenny Weissberg followed the music his entire career. A disc jockey, critic, rock singer, bandleader, and concert promoter, he lived all his childhood dreams--some of which turned into nightmares.

Off My Rocker presents a rollicking, backstage look at the joys and painful realities of a life devoted to music. During his early years as a radio personality, Weissberg basks in the creative glow of the free-spirited, post-Woodstock era but later rebels against the soulless corporate takeover of the music he's loved forever. Along the way, he detours to the dark side, succumbing to the greed, deceit, theft, and drugs that plague the entertainment industry.

In lively prose and vivid detail, Weissberg shares stories about the eccentric cast of characters who cross his path, including a spectacular array of showbiz legends. Equal parts spicy confessional and pop-culture adventure, with trenchant insights throughout, this page-turner of a memoir will stay with you long after the closing credits.

http://www.amazon.com/Off-My-Rocker-Star-Studded-Everlasting-ebo...
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Should I take a new job in California?
Added on : Friday October 10th 2014 12:00:05 PM
g: 1 Posted By: me94
Views: 90 Replies: 5 My husband and I are both professionals living in the south. We make a decent living but both work long hours and have a large amount of student loan debt. I recently received a very competitiveoffer from a company in Orange County, California and am trying to see if there's anything I'm missing before we decide to make a move. Right now I work for a small family business and honestly I am the person holding the place together. The company in California is one my current company has done joint projects with in the past, and they want me to come and run their entire west coast operation. This company and my current company are in the same industry but operate in different states, so they do not compete (and to my knowledge, I don't have any "trade secrets" or clients that I would be taking).Still, if I move I will likely burn several bridges in my field and it would be difficult to work in the south or southeast for several years (it's a small field and everyone knows everyone else).

Financial situation:
Me - currently working. Salary: 90k, annual bonus usually around 25-40k.
Husband -currently working. Salary: 70k, annual bonus usually around 10-20k.
2children (3 yrs and 1 yr).
Assets: 2 cars, 2008Honda Accord, 2008 Honda Civic. Will probably replace the civic with a bigger car next year.
IRA: about $75k. No retirement plan at our current jobs.
Savings: about $60k in a CD ladder or savings.

Debt: Student loans, around $380k total. The rate is something like 7.4% (combined), and it's set by the government so we can't refi. Monthly payments are around $4000. No other debt.

Current expenses: Rent: $1050/month for a nice house in the country. This is very expensive for our area, but it's a nice house and we have not been able to qualify for a mortgage due to our DTI ratio. We pay $2400/month for a nanny (including employment taxes), as the only day cares here are religious and we are not members of any local churches. Utilities+phone is around $150 a month, and insurance is around 300.

The offer I have for the new job is $450,000 plus performance bonuses, and I may be able to negotiate that higher. I know the cost of living out west is higher, and taxes are higher (by my calculation, its around 4% higher), but I believe that even taking that into consideration making the move is a net financial positive. (More than that, the new company has several women in management and at the board level, and I feel there would be more room for promotion. I am the first and only woman working at my level at my current job, there are no women in senior management and no women partners.) I have some family in the LA area who have told me to budget around $4-5000 a month for rent on a nice four bedroom house.

My husband would have to quit his job and try and find something out west - that's a big unknown but honestly with the bump in salary, I figure he can take his time looking for new employment. A big factor for me is that the schools here are atrocious (something I can confirm, as I hire high school graduates for unskilled office jobs and they're barely literate). If we stayed here we'd absolutely have to pay for 18 years of private school for the kids. I have been told the Irvine school district has excellent schools. I am leaning towards finishing the year at my current job and moving after the baby is born in the spring but I thought I'd post this for FWF to see if there is anything I'm missing.
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g: 0 Posted By: remick
Views: 194 Replies: 0 http://www.amazon.com/gp/product/B00K6MYQEI

A book of Business and Financial research. Understanding finance from a research perspective is always interesting. Innovative research is used and the book throws light of finance and business correlations with a practicality that can be implemented. It is a way of seeing finance.



also free

Sources of Wealth
http://www.amazon.com/Sources-Wealth-Andrea-Plos-ebook/dp/B00BB8...

This book is a no-nonsense, easy-to-follow guide for everyone who has ever been afraid of finance. In it youll find the tools to help you grow your money and increase your peace of mind, and youll find the confidence to achieve the things youve always dreamed of.
In this book, you will learn about the different types of investmentfrom paper assets to Real Estate, as well as how to assess and manage risk, set achievable goals, and even start your own business. Well meet some successful people and examine the decisions they made that helped them achieve successincluding the skills they developed, which sectors they invested in, and how they approached the opportunities and problems that came their way.
Two of the most vital lessons you will learn are how to approach life with a positive attitude and how to develop the skills to handle whatever challenges come your way with confidence and ease.



Street Smarts The Business of Life: 5 Principles That Will Change Your Life
http://www.amazon.com/Street-Smarts-The-Business-Life-ebook/dp/B...

Would you like to achieve all your goals, become successful and reach your full potentialeither in your current career, a new business venture or simply in your personal life? Do you think about all the changes you need to make in your life and wish for change but arent sure how to get started?
It is possible to reach your goals and attain the success youve always wanted and the steps probably arent as overwhelming or intimidating as you imagine they might be.

Street Smarts contains a series of proven principles and insights Ive gathered through the years I spent living in the streets. These principles helped me go from being homeless to becoming a successful entrepreneur in the digital industry. The good news is, no matter at what point youre at in your own life, you can also make the positive changes you need to become successful. In Street Smarts, I lay out simple principles and insightful ideas and show you how to apply them in your daily life in order to reach your goals.
This book is a simple step-by-step guide with exercises that will encourage you to take action and apply these philosophies to your daily life. By adhering to the following advice, you will be able to accelerate your results, analyze what you are currently doing to see whats working and whats not, and make the necessary changes to live a happier and better quality of life.



Market Yourself to the Top!: A Headhunter's new job-winning "Personal Marketing Portfolio" and "Search Plan" that beats the resume! (Market2top! Book 1)
http://www.amazon.com/Market-Yourself-Top-Headhunters-job-winnin...

Learn the secrets in this book on how to:
Create your very own custom Execufirm Marketing Portfolio / Brand like a
professional.. Graphic Designer
Market your Marketing Portfolio like a. Headhunter
Win the job Interviewing like a. Professional Vendor
"This is much more than just another 'how-to' book on finding a better career.
This method will REVOLUTIONIZE the entire landscape of the American job
market! The Execufirm Marketing Portfolio ushers in a whole new era in personal
marketing."



Productivity Hacks Unleashed: Brilliant Life Hacks To Increase Productivity, Improve Time Management, Save Money And Live A Better Life (FREE BONUS INCLUDED) ... Productivity Hacks, Time Management Book 1)
http://www.amazon.com/Productivity-Hacks-Unleashed-Brilliant-Man...

DISCOVER HOW TO BE MORE PRODUCTIVE, HAVE BETTER TIME MANAGEMENT, SAVE MONEY AND LIVE A MORE AWESOME LIFE WITH PRODUCTIVITY HACKS UNLEASHED!



BizEtiquette
http://www.amazon.com/BizEtiquette-Cassie-Piasecki-ebook/dp/B009...

A Small but Mighty Etiquette Guide for Entrepreneurs, Small Biz Owners, Freelancers, Independent Contractors, and anyone who just wants to be a bit more classy in Biz.
As a lifestyle entrepreneur, I work and socialize with many entrepreneurs, freelancers and independent contractors. I realize everyone is not cut from the same bolt of etiquette cloth that I am. As technology becomes smarter, I have noticed that the lines of good etiquette are blurred even more.
The best way for me, up until now, to teach others about good BizEtiquette was by example. I set the standards of how I ran my biz and hoped a droplet of good etiquette stuck to the people I met. People can argue that you shouldnt worry what others think of you. But in this world, the way it is today, competition is fierce and news travels fast. Id rather ensure that my actions show me as a biz owner with honesty, integrity and a little good karma thrown into the mix than as a haphazard gal with a who gives a s*#t attitude when dealing with customers and vendors.
This little guide is filled with a lot of common sense, some helpful hints and a bit of humor. It is the perfect guide for anyone just starting out in the biz world and those who need to bring the blurred lines of good etiquette into sharp focus.



Master Problem Solving and Decision Making: How to use the power of creative thinking to solve problems and make inspired decisions
http://www.amazon.com/Master-Problem-Solving-Decision-Making-ebo...

This book teaches you a systematic approach to problem solving that it based on Creative Problem Solving strategies.
The book contains three sections:
Section 1 looks at creative thinking which is the key skill required to solve problems effectively. What is creative thinking? How can it be developed? What blocks creativity?
Section 2 takes you step by step through a process that finds creative solutions for all areas of your business or personal life. This is called the Solved Method which is the practical application of creative thought.
Section 3 provides example scenarios that utilise the Solved Method.



Operation Money: A Financial Guide for Military Service Members and Families [Kindle Edition With Audio/Video]
http://www.amazon.com/Operation-Money-Financial-Military-Familie...

"From investing in education and affording a home to choosing the right credit products and adequately saving for retirement, Operation Money offers military-specific advice to achieving financial stability." --Michael E. O'Neill, Chairman, Citigroup Inc., First Lieutenant, U.S. Marine Corps, 1969-1971

When it comes to money, military service members and their families face financial challenges that civilians simply dont.
While serving on active duty, members of the military are typically asked to move every few years and must learn how to manage money during multiple deployments. And managing the finances means figuring out a way to maintain a balanced budget while communication is limited. Meanwhile, the spouse at home is essentially functioning as a single parent without the necessary skills and tools to make serving as the familys Chief Financial Officer as easy as possible.
That is, until now.
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Makita 1-1/4 HP Compact Router Kit $129 w/FS @ Home Depot
Added on : Wednesday October 08th 2014 11:00:08 PM
g: 0 Posted By: ctgolfer
Views: 109 Replies: 0 Variable speed control dial (10,000 - 30,000 RPM) enables user to match the speed to the application
Smooth rack-and-pinion fine depth adjustment system for more precise settings
Slim and ergonomically designed body for increased comfort and control
Quick release cams lock system for easy depth adjustments and base removal/installation
Electronic speed control maintains constant speed under load
Soft start feature for smooth start ups
Fixed base accepts industry standard template guides for convenience
High visibility base design for improved handling and performance
Base can be removed quickly to install other bases
Heavy duty aluminum motor housing engineered for increased durability
Shaft lock for quick and easy bit changes
Durable flat top design for added convenience when changing bits
Non-marring high-durability base insert for increased work piece protection
Uses 1/4 in. shank router bits
Includes: 1/4 in. collet (763637-1), plunge base (195563-0), straight guide (164834-6), wrench 13 (781039-9), wrench 22 (781011-1)

www.homedepot.com/p/Makita-1-1-4-HP-Compact-Router-Kit-RT0701CX7...
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La-Z-Boy Rowan Reclina-Rocker $499.99 w/FS @ Sears
Added on : Wednesday October 08th 2014 11:00:02 PM
g: 0 Posted By: ctgolfer
Views: 0 Replies: 0 Rowan Recliner offers a casual flared arm and clean lines. Comfortable for any room in the home.
Dimensions:

Item Weight (lbs.):70
Weight Capacity (lbs.):300
Chair Back Height:Standard
Chair Depth (in.):39
Chair Width (in.):33.75
Overall Chair Height (in.):41
Seat Dimensions (WxD):22.5x21
Size Scale:Standard

Product Overview:

Assembly:Minimal Assembly Required
Chair Type:Recliners
Lifestyle:Casual
Style:Transitional
Made in the USA:Yes

Color:

Color Family:Beige & Tan
Pattern:Solid
Finish:Upholstered

Included with Item:

Ottoman Included:No

General Features:

Audience:Adult

Durability:

General Warranty:La-Z-Boy products come with our famous La-Z-Boy limited warranty, one of the best in the industry.
Frame Material:Wood & Metal
Upholstery Type:Fabric



www.sears.com/la-z-boy-rowan-reclina-rocker/p-02571152000P
Secret recordings from Inside the Fed - How will it affect the future?
Added on : Friday October 03rd 2014 06:00:13 AM
g: 0 Posted By: faloun
Views: 27 Replies: 0 I was really surprised there wasn't already a thread on this. A former Fed examiner, hired in after the 2008 financial crisis, becomes so dismayed by what she sees that she begins secretly recording conversations and meetings at the Fed. The article and/or radio show raise very serious concerns about the Fed's ability to regulate banks, showing instead a culture that's overly cautious and defers judgement to the banks they are supposed to regulate. It shows a culture rife with regulatory capture that puts so much emphasis on consensus building that findings are consistently watered down. In the words of one examiner, the Fed is"this giant Titanic, slow to move." It also references the Beim Report, an extraordinarily candid report about the inner workings of the Fed following the 2008 crisis, which was never intended to be viewed by the public and got surprisingly little coverage when it was leaked.

My question to you, fellow FWF's, is what do you think this means for the future of the Federal Reserve, and the financial industry as a whole?

Article on Propublica:
http://www.propublica.org/article/carmen-segarras-secret-recordings-from-inside-new-york-fed

NPR Story:
http://www.thisamericanlife.org/radio-archives/episode/536/the-secret-recordings-of-carmen-segarra

Beim Report:
http://www.propublica.org/documents/item/1303305-2009-08-18-frbn...
Discussion Deals
g: 0 Posted By: tedhawkins
Views: 125 Replies: 0 Yamaha MOX8 88-Key Graded Hammer Action Music Production Synthesizer Workstation $1300 Fs @ MF

http://www.musiciansfriend.com/stupid

Product Description

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

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

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

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

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

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

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

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

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

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

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


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Musician's Friend Coupons
g: 0 Posted By: tedhawkins
Views: 190 Replies: 0 The Official Gun Digest Book of Guns & Prices (9th Edition - 2014) $15.99 + $3.99 Flat shipping

http://www.gearhog.com/

Deal Overview
The Official Gun Digest Book of Guns & Prices, 9th Edition


You'll appreciate this gun price guide if:

+ You like antique guns or are a gun collector
+ You're looking to buy or sell a firearm and need accurate and up-to-date gun values
+ You want updated firearm values for a non-military cartridge firearm

Everything you need - and nothing you don't!

The Official Gun Digest Book of Guns & Prices, 9th Edition is completely updated for 2014, with hundreds of pricing changes and new model additions for thousands of non-military cartridge firearms worldwide. At an affordable price, and filled with content from industry experts, sales from gun shows and retail shops across the country, and auction house data, this 1,320-page guide is the firearms enthusiast's choice for accurate pricing and identification.

Like with previous editions of the Gun Digest Book of Guns & Prices, thorough explanations of the grading system, pricing, and additional considerations are included, ensuring the information provided for all listings is easy-to-follow and understand. In addition to the introductory information and traditional listings, an exploration of the AR panic of 2012 and 2013 is also included, explaining the causes and effects surrounding this period.

Editor Jerry Lee provides thorough documentation for the introductory materials of this volume, and as always, accurate and up-to-date gun values for virtually every make and model of guns made in or imported into the U.S. since the early part of the 19th century. Get gun values for over 15,000 different firearm models and variations in this gun price guide from Gun Digest - a name you trust!

In The Official Gun Digest Book of Guns & Prices, 9th Edition you'll find:

+ Pricing information across six condition grades
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About the editor:

Jerry Lee has been editor of several leading magazines in the firearms industry, and is the current editor of both Standard Catalog of Firearms and the annual Gun Digest volume, in addition to editing The Official Gun Digest book of Guns and Pricesfor the past several years. He is a life-long hunter and shooter, an NRA Life Member, and the author of several articles for the NRA website.



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g: 1 Posted By: remick
Views: 144 Replies: 0 Joyful Momma's Guide to Shopping & Cooking Frugally
http://www.amazon.com/gp/product/B0077H7NNQ
4.4 out of 5 stars (48 customer reviews)

Have you noticed the cost of groceries absolutely skyrocketing?
As the cost of feeding our families well on a tight budget continues to climb ever higher, we need to reevaluate how we spend the money in our grocery budget. Thats where Joyful Mommas Guide to Shopping & Cooking Frugally comes in.
If youre like me, youve been frustrated by the rising prices of groceries, while the family income either remains the same or goes down. It seems like everyone is looking for ways to cut back on their grocery bill.
Let me help you learn how to save big money at the grocery store with some simple and easy-to-implement tips!

☑ Do you wonder how some people seem to save big money with coupons while coupons only seem to make you spend more? (See page 26)
☑ Do you always seem to go over budget when grocery shopping? (See page 40)
☑ Are menu planning and making a shopping list overwhelming you? (See page 18)
☑ Does your menu plan go out the window after husband and children snack on vital ingredients? (See page 23)
☑ Are you struggling with managing or losing weight while keeping with a super tight budget? (See page 80)
☑ Is the challenge of breaking free from using pre-packaged foods overwhelming you? (See page 57)
☑ Do you find yourself frustrated with the challenge of making your frugal meals flavorful and healthy? (See page 53)
☑ Is the time crunch keeping you from cooking from scratch, couponing, and planning? (See page 66)
☑ Do you struggle with feeling overwhelmed and depressed over the challenges the economy is bringing to your family? (See page 5)

All of these questions (and more) are answered in Joyful Mommas Guide to Shopping & Cooking Frugally. I wrote most of this book based on real life questions Ive gotten on Twitter, Facebook, and email about saving money at the grocery store, so it is geared towards answering real world questions.



The Walgreens Drugstore Game: Strategies to Turn Pocket Change into Thousands of Dollars' Worth of Free Products
http://www.amazon.com/dp/B00FLBV228/
4.4 out of 5 stars (12 customer reviews)

This is the Book Walgreens Prefers You Wouldnt Read
For less than the cost of one razor (which you will score for free over and over again using the tactics in this book), learn how to legally walk out of Walgreens with lots of free products using their own currency: Register Rewards and Balance Rewards Points.



The Everyday Cookbook: A Healthy Cookbook with 130 Amazing Whole Food Recipes That are Easy on the Budget
http://www.amazon.com/gp/product/B00C89GS1Q
4.2 out of 5 stars (14 customer reviews)

In my family we are no strangers to stretching the dollar, living in an ex-Communist country that is still one of the poorest within the EU. We are always living paycheck to paycheck, so we find the cheapest ways possible to cook meals that will feed our family of five. Our favourite recipes are strongly influenced by traditional cuisine and contain a lot of simple, hearty foods. When I think about it, every meal in my house is a comfort food and is also cooked with the budget in mind.
The Everyday Cookbook: contains some great tips on cooking on a budget as well as 130 recipes for savory soups and stews, satisfying salads, hearty casseroles and delicious desserts.



Ultimate Spartan Budgeting and Minimalism: How to Save Money, Increase Productivity and Live Simply
http://www.amazon.com/dp/B00NQHE15O

Have you wanted to save money, but youre not sure how? This book is a hard hitting system to apply principles of the ancient Greeks to cut out anything thats wasteful and focus entirely on fulfilling your Master Plan, whether that involves getting out of debt or traveling the world.



The Hard Times Kitchen: Homestyle Recipes for a Small Budget
http://www.amazon.com/Hard-Times-Kitchen-Homestyle-Recipes-ebook...

Chock-full of homestyle recipes that are perfect for the budget-minded cook, These frugal, yet delicious recipes are prepared with just a handful of easy to find ingredients. More than 40 easy recipes including Beef & Butternut Squash Stew, and Pennsylvania Dutch Pot Pie - plus lots of tips helpful money-saving tips. With an emphasis on unprocessed foods, and simple, from-scratch cooking, The Hard Times Kitchen Homestyle Recipes on a Small Budget is sure to please both the experienced home cook and the beginner alike.



Couples Money - What Every Couple Should Know About Money and Relationships
http://www.amazon.com/gp/product/B005LXW7UW/
4.7 out of 5 stars (29 customer reviews)

Couples Money - What Every Couple Should Know About Money and Relationships is written by a married couple in the financial serives industry, Marlow and Chris Felton. They share their personal story of financial transformation and insights they have gained from thousands of couples they have worked with over the last 12 plus years.
Couples Money is an introspective look at a leading cause of divorce; money. Most couples think they are alone in their financial struggles and they have the stories to prove they are NOT! Marlow and Chris help couples get on the same page with easy to follow concepts and action steps they have personally seen work. They believe they have the cure for "financial cancer" that plagues many couples and share their stories to help save millions of relationships.



Zero Waste Minimalism & Homesteading Basics Box Set: Increase your Happiness by Reducing your Waste; How to Build a Life of Self Sufficiency
http://www.amazon.com/Zero-Waste-Minimalism-Homesteading-Basics-...

Youre about to discover how tolive life to the fullest without the burden of material possessions! Minimalism is a lifestyle that promotes self-reliance while encouraging individuals to enjoy every moment, indulge their passions, live debt-free and own all the basic necessities of comfortable and content living! In this book, youll learn of the first few steps towards a minimalistic lifestyle, eliminating waste in your life and living an intentional existence.



Find A Penny: A Financial Journey
http://www.amazon.com/Find-Penny-Financial-Donna-Sako-ebook/dp/B...

This book a journal of those personal experiences and the lessons learned. After reading a multitude of economic, financial, and professional books on investing, insurance, budgets, saving, and retirement, I realized nobody was showing the reality or results of what really may happen in life. This book is written to entertain and share ideas and information of what I found to be the best and worst of that advice.

Totally Free Deals
g: 0 Posted By: tedhawkins
Views: 153 Replies: 0 Mountain Hardwear Powzilla 30 Backpack $109.95 FS @ Usoutdoor (reg $189.95+)

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

If your idea of fun is trekking through miles of back country to get to that glorious fresh powder, you need the Mountain Hardwear Powzilla 30 backpack. It gives you plenty of space for all year gear, but has a slim profile so it never gets in your way. A special webbing system at the back of the Powzilla 30 gives you options for carrying skis or snowboard securely, while pockets in front and back let you decide what you want close at hand. And of course this backcountry pack from Mountain Hardwear is waterproofed and ventilated where needed to keep you dry and comfortable throughout your journey.
Features of the Mountain Hardwear Powzilla 30 Backpack

Capacity: 1830 cu. in. / 30 L
Weight: 2 lb. 14 oz. / 1.30 kg.
Suspension: HardWave suspension maintains excellent fit and ventilation regardless of load
Features: Convenient front pocket keeps small safety gear or other needed items in easy reach
Compression: Compression wings allow for variable volume / gear to be carried with no compromises
Pockets: Generous, large opening zippered front pocket with enough room and compartments for safety gear, Easy access large main compartment with water resistant zippers
Ski Carry: Unique, continuous webbing snow gear system allows for an easy and secure way to carry skis, snowboard or other snow toys
Back Panel: Comfortable and well padded compression-molded backpanel, shoulder straps and hipbelt shed snow and ice
ABS System: ABS Vario Base Unit compatible: zip off backpanel allows pack to be used with industry leading avalanche airbag system


USOutdoor.com Deals
g: 0 Posted By: tedhawkins
Views: 202 Replies: 0 Guns & Ammo - 500 Fully Processed 5.56 Brass Casings + Ammo Can $49.99 + $8 Flat shipping

http://www.gearhog.com/

Deal Overview
500 fully processed 223 brass casings ready to go. Our state of the art processing procedures include:

De-priming
Swagging
Re-sizing
Polishing

We use our proprietary blend to give the best polished brass in the industry. This special offer also includes an official 7.62 mm NATO ammunition can, perfect for storing your ammunition when it's finished, or anything else!

Includes roughly 500 premium processed .223 casings. May contain a small quantity of 5.56 as well. A great deal for some great brass.
Guns & Ammo Deals
g: 0 Posted By: tedhawkins
Views: 136 Replies: 1 ViewSonic VSD220 22-Inch (21.5-Inch Vis) Full HD 1080p LED Touchscreen Smart Display and Android 4.0 ICS All-in-One $245.99 Fs Amazon lightning deal

http://www.amazon.com/gp/product/B00906HOEKPC-less computing is at your fingertips with the new ViewSonic smart display. Enjoy a terrific Android browsing experience on the high powered VSD220 21.5" display with dual point optical touch. Google Play gives you full access to thousands of Android apps. Powered by TI's multi-core OMAP processor, you'll always have super responsiveness and amazing performance. So it's fast and easy to connect with people on social media, watch movies and so much more. You won't miss a moment of the action with your friends and family thanks to the 1.3 megapixel webcam with integrated microphone for video chatting. Stay in touch at your workplace with wireless and Bluetooth connections for instant access to email, data, documents, and multimedia. You can even use the VSD220 as a full HD touch monitor* for your laptop or PC, with the handy HDMI and USB ports. So go on: surf well, watch jitter-free video, game happily and explore apps to your heart's content.Key Features:

22 (21.5 viewable) LED smart display with TI OMAP 4430 processor
Featuring Android 4.0 Ice Cream Sandwich operating system
1920x1080 Full HD resolution to support imaging intensive commercial applications, video and image editing and entertainment
Dual Optical Touch screen with 8H protective glass provides excellent touch experience and durability
Integrated 1.3MP webcam with microphone for convenient communication and video conferencing
Stereo speakers with SRS 3D Technology and headphone jack for crystal clear sound options
HDMI digital input for connection to external PC, notebook, tablet, or consumer electronics
USB peripheral and storage inputs: 2 Type A USB + 1 micro USB and micro SD card reader
VESA mountable design, 100mm holes ready for full ergonomics and comfort
Kensington lock slot for optional security
Backed by Viewsonics industry leading 3-year limited warranty

Surf BigSurf the web, access the cloud, in HD style Just like on your PC or notebook, you can access the web and cloud applications with the embedded web browser. Whether viewing your favorite news channels, checking your email, video chatting with friends and family, downloading new dinner recipes or just working on files through Google Docs, the VSD220 Smart Display is your perfect connected device to the internet. Always connected, wireless or ethernet You can stay connected with either Wireless or Ethernet connection, it's your choice! Just plug in the VSD220 and turn it on and you are instantly connected. You'll experience blazing access to web browsing, cloud based apps or streaming media .Compute with an Awesome CombinationTI Processor+ Android
Get where you want to fast. Enjoy the snappy responsiveness, and smooth, jitter-free HD media content with the outstanding combination of an IT OMAP 4430 processor and Android 4.0 Ice Cream Sandwich OS. Google GMS certification means youll have access to all the latest Android apps in the Google Play Store. making the VSD220 a well equipped alternative to traditional desktop PCs and AIO computers
Imagine all your favorite apps, on a 22 Full HD screen
Get all your favorite apps on your VSD220 Smart Display! Explore hundreds of thousands of apps on the Google Play Store, and enjoy handpicked entertainment and productivity apps from ViewSonics own Appzone. Your Android world just got a whole lot bigger!Stay ConnectedKeep in touch with friends and familyLike, follow and connect with your friends and family through your social networks. Reply to email using the standard email apps or the embedded browser. Share photos, play YouTube videos or video chat with the integrated webcam.Play HardGame Bigger
If you love Angry Birds on your cell phone, imaging playing on a generous 21.5 Full HD 1080p screen, with 5ms response time and integrated speakers. The VSD220 gives you the ultimate Android gaming experience.
Game Better
Turn the VSD220 into gaming monitor. Simply plug in your gaming console using the HDMI connector. The SRS 3D sound technology completes the package with outstanding stereo performance.
See it All
A fast response time and Full HD resolution makes streaming HD media content and watching movies more exciting than ever. HDMI input also allows you to connect a Blu-ray player or set top box, and enjoy all your favorite movies or programs with the VSD220 Smart Display.Windows on Android, Yes!The VSD220 is Citrix certified which provides users secure, fast and convenient access to remote desktop and applications on their Citrix servers in a familiar Windows environment. This makes the VSD220 a perfect thin client device for Education, SMB and Enterprise customers. Citrix Receiver app is available for download on the VSD220 product page on ViewSonic.com and also Google Play.Use it Your WayGetting started with your VSD220 Smart Display is as easy as plugging it in and turning it on. You can enjoy the touch interaction with the dual point optical touch or connect a USB keyboard and mouse if you prefer. You'll find two full size USB ports along the right edge of the display. You can also connect your Bluetooth devices wirelessly for added convenience.Peace of MindThe industry leading pixel performance guarantee and 3-year limited warranty, makes ViewSonic a market leader commitment to quality. ViewSonic is dedicated to using the highest grade panels and offers solid products you can count on.Other features:Corporate names & trademarks mentioned herein are the property of their respective companies.
Copyright 2012 ViewSonic Corporation. All rights reserved.Product Description VSD220 22-Inch (21.5-Inch Vis) Smart Display with 1920x1080 Full HD resolution, features a TI Dual Core ARM Processor and Android Ice Cream Sandwich (4.0) OS. With full Google GMS certification, users can enjoy diverse Android multimedia applications such as social networking, cloud services, and online video. Versatile connectivity options include Micro HDMI, Three USB ports (2 x Type A and 1 x Micro USB OTG), Micro SD Card, RJ45, headphone jack, and 1.2M pixel webcam with integrated microphone for video conferencing. Wireless and Bluetooth network connections provide instant access to transfer data, documents, and multimedia files. In addition, the VSD220 can also operate as a traditional 22-Inch Full HD display via HDMI to your PC/Laptop for office work, or for surfing the internet and gaming. Integrated speakers with SRS premium sound complete the package for your multimedia enjoyment.

Monitors Deals

Amazon Coupons
UFC - PlayStation 4 or Xbox One 29.96 @ Amazon
Added on : Monday September 22nd 2014 12:00:03 AM
g: 0 Posted By: ctgolfer
Views: 133 Replies: 0 free shipping with Prime or on $35+

Real Damage: Every fighter knows that one good shot can ruin your day. EA SPORTS UFC introduces a non-linear damage system which can result in big damage coming from a single strike. The system produces a greater variety of cuts and contusions.
Dynamic Striking: A mixed martial artist uses the environment to his advantage and for the first time in a UFC game, you can too. A dynamic environment allows you to pull off jaw-dropping moves using the Octagon, including roundhouse kicks, superman punches and much more. Combine those abilities with the best striking technology in the industry and that one perfect strike could change the fight.
Real-Time Exertion: A UFC bout is one of the most physically demanding sports on the planet requiring mixed martial artists to give it their all with every movement. Real-Time Exertion brings each moment of that action to life in your gameplay experience. Through real-time vein popping, skin discoloration, muscle flex, as well as signs of fatigue setting in through the course of each round, you will witness the effort it takes to be one of the best fighters in the world.
Fighter Likeness and Facial Animations: EA SPORTS UFC will set a new bar for character likeness and emotion in gaming. For the first time in an EA SPORTS game, every single licensed athlete in the game has been created from high resolution 3D head and body scans to deliver revolutionary character likeness and authenticity. Powered by EA SPORTS IGNITE, new facial animation technology delivers more expression, emotion and will communicate greater sense of awareness and intelligence in the Octagon.
Strategic Submission Battles: To own the belt, you have to be dominant on your feet and on the mat. EA SPORTS UFC re-invents the ground game to create a battle for position and control that captures the strategy of a submission battle. Like the real sport, in EA SPORTS UFC fighters will work through multiple stages as they work to advance or escape from a fight-ending submission.

www.amazon.com/dp/B00CXCCH1I/
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Free Kindle Book- Deck The Halls: How to Make a Christmas Wreath
Added on : Saturday September 20th 2014 04:00:08 AM
g: 0 Posted By: remick
Views: 84 Replies: 0 http://www.amazon.com/gp/product/B00IQE8ITW/

Deck The Halls is an Instructional Christmas Wreath-Making Book.

Nancy planned, took many close-up, color photos, and wrote precise instructions as she created this gorgeous Christmas wreath. She then wrote Deck The Halls, which equips and encourages you to find your own uniquely different style.

To find your style, it is imperative that you first learn the basics of wreath design. Nancy's goal and desire is to equip you with these basics in addition to all you need to assure your very first wreath will be as breathtaking as this one.

She will teach you these basics, along with all tips, ideas and a technique, she alone, has developed during her close to thirty years in the floral & home dcor industry. You can be assured that a professional with many years of experience is teaching you to do it the right way.

A beginner with no experience to a professional designer will benefit from this beautiful, well-written, and easy to follow book.

Nancy starts with a Christmas Green base. She then adds many loops and curls of a beautiful Christmas ribbon in addition to extra Christmas and everyday greens.

Nancy is known for her attention to her fine details in each and every one of her designs - and her Christmas wreaths are no exception - they are SPECTACULAR!

Nancys instructions teach you how to securely attach a pick to a stem, make sure your critters such as a birds, ladybugs, nests, & bird houses are anchored securely. And she certainly does not leave out how to tie a beautiful single, double, or triple ribbon bow for which she is so well known.

Nancy is delighted to be able to share with you her tips and secrets. She is sure that You Can Do It, which you now hear so often as her encouraging tag line.
Totally Free Deals
g: 0 Posted By: confusedNeedAnswer
Views: 93 Replies: 3 Hi all,

I have just set up an LLC elected to be taxed as an S-Corp. I'm the only shareholder, owner and employee of the LLC. My LLC does IT consulting services. Here are some number
Expected annual Revenue: $100k
Expected annual Expenses: $5000

I plan to run payroll of $24k and distribution of $71k for the year. I do not want to put any money in retirement or pension account. I just want to take all the money out. Would that payroll/distribution raise the flag with the IRS or it has to meet certain "safe" ratio? Also, let's say next year i can double my revenue to $200k, would I still have to follow that "safe" ratio?

I have a CPA to take care of the payroll for me. She advised me that I just need to pay myself the average salary of people in the same industry and kind of work and not have to follow certain ratio, the rest of the money I can just be withdrawn as distribution anytime I want. Also, because the LLC is based in Nevada, the CPA has to run payroll twice a month required by law, is it true?

Here are the taxes I need to keep according to the CPA:
$2000/month payroll, 12% on top of that $2000 goes to employer tax and 19% of that $2000 goes to employee tax (withhold). So every month I need to put $2000 + 12% of $2000 to the payroll account so the CPA can run payroll
$71000 distribution, I need to keep 25% of $71000 distribution when I file end of the year personal income tax. (25% tax bracket for $100k income).

So it comes out setting it up as S-Corp, I will pay more taxes. If it were just a pass through LLC, I'd just have to pay 25% tax on all the income, correct? It looks to me with an S-Corp, I have to pay 25% income tax plus 12% employer tax.

I just have a feeling this CPA is missing out something because S-Corp is supposed to save me on tax. Could you guys take a look at the numbers and let me know if anything is wrong and missing?

Thank you so much



New User Question Deals
newegg: $124.98AC Intuit Quickbooks Pro 2014 - Download
Added on : Tuesday September 16th 2014 03:00:02 PM
g: 0 Posted By: VivYip
Views: 157 Replies: 0 credit techbargains

Newegg has 50% off select QuickBooks 2014 products with coupon code EMCPAWD96

This makes Intuit Quickbooks Pro 2014 - Download $124.98 with possibly Symantec Norton Internet Security 1 PC (Hardware Attach) - Download
Value included.

They also have the following at 50% off after code

Intuit Quickbooks 2014 for Mac (Download) for $124.98 after code
Intuit Quickbooks 2014 for Mac (Boxed Version) for $124.98 after code
Intuit Quickbooks Premier Industry Edition 2014 (Download) for $189.98 after code
Intuit Quickbooks Premier Industry Edition 2014 (Boxed Version) for $189.98 after code

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

Newegg Coupons
g: 0 Posted By: remick
Views: 77 Replies: 0 http://www.amazon.com/gp/product/B00KO8ZCEC

Relocating to a new place, away from the people you care about and away from your familiar surroundings, may prove to be more difficult than you ever imagined. And regardless of whether it is а local, cross-country or international move, there will be an overwhelming number of factors to consider before you can make the right choice under the circumstances. Remember that information is your best friend and helper in your imminent decision, and that help is always available in one form or another.
Relocating Without Breaking A Sweat: Your Handbook For A Perfect Move is your invaluable helper during these transitional times. This book covers everything you need to know before, during and after your residential or long-distance relocation: from the fascinating history of the moving industry, through great practical moving tips and ultimate packing guides to best ways to relocate locally, interstate or abroad with your children, pets or plants, plus a wide range of various personal possessions. Also, the book offers helpful DIY advice and an extensive section of what to do once youve moved to your new home (including tips for resolving issues with your mover). And much, much more!
Its end will surely bring a smile on your face.
Be well informed.
Be ready for the challenge.
Find yourself in the drivers seat of this moving adventure.
This book is being delivered to you in partnership with MyMovingReviews.
Totally Free Deals
g: 0 Posted By: ctgolfer
Views: 74 Replies: 0 Touch pad controls offer seamless cycle selection with just a light press of the button
Quiet Series sound package allows you to run the dishwasher without disrupting your home
Oversize Capacity Plus tall tub allows you to wash more in each load and clean items like cookie sheets, pitchers and mixing bowls
JetClean Plus wash system provides outstanding cleaning performance that powers away soil to make sure your dishes get their cleanest
Steam Sanitize option sanitizes dishes with a high-temperature rinse that reduces 99.999% of harmful germs, then uses high-heat steam to help reduce spots on glasses
ENERGY STAR qualified to save energy, water and help reduce your utility bills
Armor tub interior. This durable polymer interior reduces the appearance of stains that can develop in a dishwasher over time and keeps it looking clean longer
Rinse-aid dispenser automatically adds a measured amount of rinse-aid to help reduce the potential for spots on your dishes
Tiered upper rack makes room for tall items
Premium dark Duraguard heavy-duty nylon racks help protect dishes from scratches and damage while also resisting rust
Industry's most powerful motor. Each cycle blasts away tough soils for clean dishes the first time, every time
NSF Certified Sanitize option allows you to clean dishes with confidence. The wash cycle meets the criteria set forth by NSF International for eliminating 99.999% of food soil bacteria
4-blade stainless steel chopper pulverizes food, preventing particles from plugging the wash system and spray jets, providing optimal cleaning without the need to pre-rinse
2x Life Motor. This durable motor delivers years of dependable cleaning and has been tested to last twice as long as the average dishwasher life expectancy
From Ohio to you, every Maytag dishwasher is designed, engineered and assembled in the U.S.A.
New dishwasher connection kit is required for installation and will be offered during appliance checkout
Dishwasher installation availability varies by location and can vary based on your homes plumbing

www.homedepot.com/p/Maytag-JetClean-Plus-Front-Control-Dishwashe...
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Plink has shut down
Added on : Thursday September 11th 2014 04:00:16 PM
g: 0 Posted By: doveroftke
Views: 77 Replies: 1 It seems these types of independent linked-card cash-back programs (there's an industry term for it, but I can't recall it) just can't stay in business as Plink has ceased operation today without any advance warning. As you might expect, any un-redeemed points are worthless now. Per Plink.com:
Plink.com said: To Our Loyal Plink Members

With much sadness and heavy hearts, we are sorry to tell you that Plink is closing its doors. As of today, the Plink site will be shut down and the program will cease to function.

As a start-up, we are reliant on continued funding and over the last year we have been unable to secure any additional funding. Unfortunately, without that funding, Plink can no longer continue to operate. As a team, we did everything we could to keep Plink alive, but we have now run out of time and options.

We owe a huge debt of gratitude to our loyal members who have supported us for the last three years. As a team, we want to thank all of our members, for their loyalty and continuing to stick with us to the end. We couldn't have made it this far without such a loyal, committed group of members.

We also want to thank all of our advertisers and partners who supported us over the last three years. It was their belief in us and willingness to support a small start-up that allowed Plink to grow. We are proud to have partnered with some of the largest restaurant and retail brands in the United States.

Moving forward, all Plink accounts will be closed. No further points can be redeemed.

Thanks to all from the Plink Team.

Any further questions can be directed to support@plink.com.

Sincerely,
The Plink Team

Oh well, got a few bucks out of it while it lasted.
Discussion Deals
Tech Armor Ballistic Glass $12.95 (no tax) + Free Shipping
Added on : Sunday September 07th 2014 01:00:02 PM
g: 0 Posted By: Boricua82
Views: 188 Replies: 0 Tech Armor has Lifetime Warranty:~~The Tech Armor difference continues with world-class support that is often imitated by our competitors, but never equaled. And finally, the crown jewel that sets Tech Armor apart is our industry-leading Hassle-Free Product Replacement Warranty. With a 30-Day Money Back Guarantee and true end-to-end support, buying any Tech Armor product is a worry free experience.

LINKS:

Apple iPhone 4s/4:http://www.techarmor.com/screen-protectors/ballistic-glass-scree...

Apple iPhone 5/5c/5s:http://www.techarmor.com/screen-protectors/ballistic-glass-scree...

Google Nexus 5:http://www.techarmor.com/shop/tech-armor-google-nexus-5-v-premiu...

HTC One:http://www.techarmor.com/shop/tech-armor-htc-one-2-premium-balli...

LG G3:http://www.techarmor.com/shop/tech-armor-lg-g3-smartphone-hd-hig...

Samsung Galaxy Note 3:http://www.techarmor.com/shop/tech-armor-samsung-galaxy-note-3-p...

Samsung Galaxy S5:http://www.techarmor.com/shop/tech-armor-samsung-galaxy-s5-sv-pr...

Samsung Galaxy S4:http://www.techarmor.com/shop/tech-armor-samsung-galaxy-s4-siv-p...
General Tools 400 Amp AC/DC Auto Ranging Clamp Meter $29.88 Fs HomeDepot
Added on : Saturday September 06th 2014 09:00:03 AM
g: 0 Posted By: tedhawkins
Views: 88 Replies: 0 General Tools 400 Amp AC/DC Auto Ranging Clamp Meter $29.88 Fs HomeDepot

http://www.homedepot.com/p/General-Tools-400-Amp-AC-DC-Auto-Rang...

Since 1910, General Tools has grown to become the recognized industry leader for specialty hand tools and instruments. The DAMP60 is a versatile, auto-ranging AC/DC Clamp Meter. It can tackle most residential and commercial electrical system installation and troubleshooting. Lightweight and handheld with 11 functions and 34 ranges, it can be used by professional contractors and do-it-yourselfers.

Measures AC/DC voltage, AC current, resistance, capacitance and frequency
Jumbo 3-1/2 digit (2000 count) backlit LCD
Autoranging
Coil-type clamp jaw
Max memory, data hold buttons
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g: 0 Posted By: houmanoply
Views: 196 Replies: 0 Sport Action Camera Diving Full HD DVR DV SJ4000 Min 30M Waterproof extreme Sport Helmet Action Camera 1920*1080P G-Senor Motorbike Camcorder DVR DV
This product is a high-definition digital motion video recording device tailored to market demand. It has a variety of industry-leading features including digital video recording, photo shooting, audio recording, video display and detachable battery, which makes it perfect for vehicle data recording, photo-shooting, outdoor sports, home security, deep-water probing, etc., allowing you to film at anytime, anywhere. And it has a variety of patents.
A water-resistant casing that allows you to film fascinating water sports; water-resistant up to 30 meters under water
High definition screen that displays and replays fascinating videos recorded
Detachable battery that is easy to replace and prolongs your camera's service life

http://www.amazon.com/gp/product/B00MHH1Q5M
Cameras Deals

Amazon Coupons
g: 0 Posted By: ctgolfer
Views: 85 Replies: 0 Experience PC performance you never thought possible
Enables you to boot up your computer in as little as 15 seconds
Energy efficient - improves battery life by up to 50 minutes
Solid-state design provides greater shock protection for data and brushed metal case blocks dust and corrosion
Worry-free data security with AES 256-bit full-disk encryption
100-percent genuine Samsung components from the #1 memory manufacturer in the world
4th-generation 3-Core Samsung MDX Controller ensures sustained performance under the most punishing conditions
Backed by an industry-leading five-year limited warranty

www.amazon.com/Samsung-Electronics-Series-2-5-Inch-MZ-7PD256BW/d...
Samsung Deals

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What preparations in case of job loss?
Added on : Tuesday September 02nd 2014 04:00:09 AM
g: 0 Posted By: RhizzleBop
Views: 118 Replies: 8 There is a lot of change going on at my company. Our department is being reorganized and I feel a couple people may be on the outside of that plan looking in. In case I'm one of those, I'm wondering what's the best approach to ensure my wellbeing as best as possible?

My wife works but hers doesnt quite cover all the bills.
Im a mechanical engineer with 11 years experience in hvac consulting, and extreme environment sealing systems such as oil and gas, semicon, industrial, etc. to be clear, I don't work in those industries, but we make sealing systems for those industries and sell to them.

We live as far south EAST as you can just about without going into Florida. My city is not a big industrial/ manufacturing city by any means. I prefer not to move because my wife has a great job she loves and we don't really want to move.

I would take a job elsewhere if it meant driving 4-6 hours and staying all week for as long as I needed to to keep the lights on.

We do have some savings. With her bringing in income we could survive a year without totally draining our savings, though it would eat up most of it.

If the worst happens, I'll be applying for anything and everything including waiting tables, or grocery store or pest treatment guy, anything. However realistically I dunno if any of those places would hire me as I'm way over qualified.

I'm already looking and updated my rsum just in case.
Mom interested in joining another industry such as finance( such as being a financial advisor or similar in banking). I'm very good with numbers and data and have an interest in that anyway. I'm also interested I marketing but that's even a further stretch from engineering.

I'm probably more prepared that 80% of people but it scares me and I want to do everything right and take the best steps forward to ensure our wellbeing.

Im thinking if the worst happens to go immediately and register to take a realestate class and get my liscense. I have a friend who can probably get me on somewhere and since I won't need a check immediately, could give me a little time to make a sale and might net more income than grocery clerk.

Anything else I should be doing in preparation?

Any hot spots for jobs I should consider for a "working remotely for a few months to a year" situation? North Dakota fracking comes to mind but id rather be able to return home on weekends.
Personal Finance Deals
g: 1 Posted By: tedhawkins
Views: 234 Replies: 1 Anker 40W 5-Port Family-Sized Desktop USB Charger $19.99 w/code FS Prime Anker via Amazon
http://www.amazon.com/gp/product/B00GTGETFG/

Apply code 20DF7105

PowerIQTM: Compatibility maximized.
Not all charging ports are created equal. Standard ports only communicate effectively with particular devices, like Apple OR Android, often limiting their recharge rate. But with PowerIQTM technology, each port intelligently identifies your device to speak its unique charging language. So plug in any brand or model and enjoy compatibility that doesn't limit your charging speed.

Off-the-charts power.
Say goodbye to using multiple adapters & outlets. Say hello to all-in-one charging convenience. With an industry-leading 40 watt output among 5 ports, charge any combination of power- hungry phones, tablets or other USB-charged devices simultaneously.

Compact and cable-chaos free.
Create the perfect hub for your gear or the family's. About the size of a deck of playing cards, the charger fits nicely on a desk, nightstand, or countertop. Need to grab it and go? The unibody design slides easily into a bag or pocket.

Powerful yet safe.
With top-grade microchips and built-in fail-safes, you don't just get full power but full safety too. We've also incorporated a port-level circuit protection system that shuts off the charger in the event of overvoltage, overcurrent, overheating or short circuits.

For optimal use.
ALL phones, tablets and other USB-charged devices (except the Asus Transformer and iPod Classic).
To ensure complete safety and best performance, we strongly recommend using your device's original cable or a third-party certified cable (such as MFI).

Electronics Deals

Amazon Coupons
g: 0 Posted By: GMY
Views: 227 Replies: 0 I really don't like TigerDirect, but at least there isn't a rebate involved. 39 cents per GB: $197.99 AC, 3-year warranty.

Crucial MX100 Series 512GB SSD - 2.5" Form Factor, SATA III, AES-256 Encryption, 20nm MLC NAND Flash - CT512MX100SSD1

http://www.tigerdirect.com/applications/SearchTools/item-details... $15 off $100 coupon is on the page with the SSD. Free 2-day shipping w/ Shoprunner.

Crucial MX100 Series 512GB SSD - 2.5" Form Factor, SATA III, AES-256 Encryption, 20nm MLC NAND Flash - CT512MX100SSD1

Provide your PC with a reliable storage system using the Crucial MX100 2.5" SSD. In today's ever-evolving digital world, the demands for new interfaces and multitasking arises. Crucial's 30 years of commitment to bring quality ensures that each product is rigorously developed and tested. Whether you are a household user or a professional, this product delivers instantaneous boot times, blistering data transfer speeds, enhanced multitasking capacity, and rock-solid dependability. This TCG/Opal 2.0-compliant self-encrypting drive is combined with top-of-the-line technologies such as Crucial's own AES 256-bit hardware to make sure your critical data is secured and Self-monitoring, analysis, and reporting technology (S.M.A.R.T) command set. With this Crucial storage-state drive, you can process data in blistering speeds. It offers ample space for saving lots of files, thanks to its 512GB storage capacity. With its Adaptive Thermal monitoring feature, it dynamically adjusts power consumption to help reduce overheating. Manage your files efficiently with the reliable Crucial MX100 Series SSD!

512GB storage capacity; provides ample space to hold your files and documents
Quick boot times; operate your system instantaneously from the get go
Encryption technology; offers top-of-the-line hardware-based data encryption to protect sensitive data
Adaptive Thermal Protection; intelligently adjusts energy consumption based on usage demands
Upgraded performance; take advantage of the latest storage technology that surpasses traditional hard drives
Transformative performance: dramatically faster than a hard drive
Nearly instantaneous boot times
550 MB/s sequential reads, 500 MB/s sequential writes, up to 90,000 IOPS random reads, up to 85,000 IOPS random writes
Compatible with Microsoft eDrive
Includes top-level hardware encryption technology
Industry-standard, 512-byte sector size support
ATA modes supported; PIO mode 3, 4 / Multiword DMA mode 0, 1, 2 / Ultra DMA mode 0, 1, 2, 3, 4, 5
Extensive quality and reliability testing built into every drive
Device sleep (DEVSLP), extreme low-power mode

SSD Deals

Tiger Direct Coupons
g: 0 Posted By: GMY
Views: 131 Replies: 0 I really don't like TigerDirect, but at least there isn't a rebate involved. 39 cents per GB.

Crucial MX100 Series 512GB SSD - 2.5" Form Factor, SATA III, AES-256 Encryption, 20nm MLC NAND Flash - CT512MX100SSD1, 3-Year Warranty

http://www.tigerdirect.com/applications/SearchTools/item-details... $197.99 AC, $15 off $100 coupon is on the page with the SSD. Free 2-day shipping w/ Shoprunner.



Crucial MX100 Series 512GB SSD - 2.5" Form Factor, SATA III, AES-256 Encryption, 20nm MLC NAND Flash - CT512MX100SSD1


Provide your PC with a reliable storage system using the Crucial MX100 2.5" SSD. In today's ever-evolving digital world, the demands for new interfaces and multitasking arises. Crucial's 30 years of commitment to bring quality ensures that each product is rigorously developed and tested. Whether you are a household user or a professional, this product delivers instantaneous boot times, blistering data transfer speeds, enhanced multitasking capacity, and rock-solid dependability. This TCG/Opal 2.0-compliant self-encrypting drive is combined with top-of-the-line technologies such as Crucial's own AES 256-bit hardware to make sure your critical data is secured and Self-monitoring, analysis, and reporting technology (S.M.A.R.T) command set. With this Crucial storage-state drive, you can process data in blistering speeds. It offers ample space for saving lots of files, thanks to its 512GB storage capacity. With its Adaptive Thermal monitoring feature, it dynamically adjusts power consumption to help reduce overheating. Manage your files efficiently with the reliable Crucial MX100 Series SSD!

512GB storage capacity; provides ample space to hold your files and documents
Quick boot times; operate your system instantaneously from the get go
Encryption technology; offers top-of-the-line hardware-based data encryption to protect sensitive data
Adaptive Thermal Protection; intelligently adjusts energy consumption based on usage demands
Upgraded performance; take advantage of the latest storage technology that surpasses traditional hard drives
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Plastic surgery, the FWF way.
Added on : Tuesday August 26th 2014 07:01:08 AM
g: 2 Posted By: CowbellMaster
Views: 219 Replies: 9 My wife is a warrior - after multiple children she has some war wounds and although she's incredibly fit, thin and healthy there are some things that diet and exercise can't fix so she has decided to pursue a fix. We're planning on a traditional 'mommy makeover' which will include a tummy tuck, hernia repair, and BA. I'm curious what other FWFers have done or would advise.

She has a relatively severe diastasis (separation of abdominal muscles) as well as a small hernia. From what I've read, insurance won't cover the diastasis repair (which is BS but I won't try to change the world today) but WILL cover the hernia repair. That said, I'm wondering if I can have a portion of the procedure(s) covered as the surgeon will be repairing the hernia in the same procedure as the tummy tuck. From some cursory research it looks like our insurance co will accept an invoice that includes "repaired hernia" and send us a check for the amount of the repair benefit, which will include the negotiated anesthesia benefit. While this may only be a small portion of the entire amount, I'm looking for any way to mitigate this potential large expense.

Other things to think about: cash offer. Knowing a surgeon's marginal tax rate is probably close to 50% I wonder if this is an option? As they are not an insurance-funded industry for the most part I don't know if there is more flexibility here.

I want to keep my expenses as low as possible but obviously I want the very best for my wife. This is less financial in nature but I wonder if anyone has ever researched plastic surgeons before and can offer advice? I'm in the Rochester area and am struggling to find "the best" in New York State or within around 8 driving hours of us. I've read countless "Realself" posts but the more you read the more you start seeing that many of those reviews seem to be very suspiciously biased. I was looking at a Toronto surgeon but I recently found out an acquaintance had a cauterizing tool dropped on her stomach during a standard BA procedure with him and lawyers in the area are shrugging it off, the surgeon is offering free scar cream, end of story. Are there any high-end PSs in the Western New York area or should I bite the bullet and go someplace closer to NYC?

Thanks for any insight.
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Ebay: $50 Jiffy Lube Gift Card for ONLY $40!
Added on : Monday August 25th 2014 05:00:06 AM
g: 0 Posted By: JayMatt19
Views: 76 Replies: 0 Linky
$50 Jiffy Lube Gift Card for ONLY $40!With over 2,000 Jiffy Lube service centers across US..
Purchase limit of (3) Jiffy Lube Gift Cards per eBay user ID, while supplies last.Retailer Information
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Demeyere Industry5 9.5" Skillet $59.96 + FS @ Sur La Table
Added on : Friday August 22nd 2014 11:00:16 PM
g: 0 Posted By: gd78
Views: 212 Replies: 0 Sur La Table has theDemeyere Industry5 9.5" Skillet for $79.96.
Use code NEWFALL14 (exp 8/25/14) for $20 off $75, plus free shipping.
That brings it down to $59.96.

Link

Demeyere is a high-end cookware company in Belgium and is owned by the same people who own Staub and Zwilling JA Henckels.
People on cooking forums say it's on-par with or better than All-Clad.
One advantage over All-Clad is that it has welded handles. No rivets for food to get stuck in.

Industry5 is their lower-tier line, and is exclusive to Sur La Table. But it's also branded as Zwilling Sensation and sold in places like Bloomingdales.
Made in Belgium!


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Demeyere Industry5 9.5" Skillet $59.96 Sur La Table FS
Added on : Friday August 22nd 2014 10:00:29 PM
g: 0 Posted By: gd78
Views: 126 Replies: 0 Sur La Table has theDemeyere Industry5 9.5" Skillet for $79.96.
Use code NEWFALL14 (exp 8/25/14) for $20 off $75, plus free shipping.
That brings it down to $59.96.

Link

Demeyere is a high-end cookware company in Belgium and is owned by the same people who own Staub and Zwilling JA Henckels.
People on cooking forums say it's on-par with or better than All-Clad.
One advantage over All-Clad is that it has welded handles. No rivets for food to get stuck in.

Industry5 is their lower-tier line, and is exclusive to Sur La Table. But it's also branded as Zwilling Sensation and sold in places like Bloomingdales.
Made in Belgium!


"Industry5 cookware boasts a five-ply 3mm-thick aluminum and aluminum-alloy core for fast and even heat distribution. The interior is nonreactive 18/10 stainless steel for easy cleanup, and the gleaming 18/10 stainless steel exterior is magnetic, which ensures exceptional performance on any heat sourceincluding induction."


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2 Pairs Mechanix Wear The Original Covert Gloves $19.99 @ LA Police Gear
Added on : Thursday August 21st 2014 05:00:03 PM
g: 0 Posted By: Trickracen
Views: 169 Replies: 0 Deal Link

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g: 0 Posted By: oxygenmm
Views: 4 Replies: 0 Sprintis offering a new family plan that provides 20GB data at $100 for a maximum 10 lines.

For people who are willing to switch to Sprints new Family Share Pack, the company will reimburseup to$350 of the early termination fee for their old wireless carriers.

Here is how the new Sprint family planworks. The monthly fee per-device varies. For monthly data allowance more than 20GB: If you getnon-discountedphone with Sprint Easy Pay, you will pay$15 per month per device; if you choose to get a discounted phone by enrolling in a two-year contract, thats going to cost you $20 per month for each device. Tablets and mobile broadband devices can join the plan with additional fees.

Sprint said the new plan providesshared data at a per-gigabyte price lower than its competition. For example, for a family that hasfour lines, it costs $160 per month to share the 20GB data ($100 for data allowance + 4*$15 per non-discounted phone). At AT&T and Verizon, the cost is estimated to be at least$210 per month for the same data plan.

Note that the above chart shows how $100 can buy you 20GB at Sprint but only half of the data bucket at AT&T and Verizon. In addition, with Sprint, a family plan with four lines will need to pay $170 to get an 8GB plan, which is actually more than the $160 for 20GB. The thinking behind it, asthe Consumeristnoted, is that most people will never come close to using their 20GB data every month.Sprint can dangle all that extra data out there and pretend like youre getting a great offer. So people who switch to the new Sprint plan may be saving money on a per-gigabyte basis, but they will likely leave lots of unused data on the table every month, Chris Morran wrote in his article on the Consumerist.The only consumers who would benefit from the new Sprint plans are true data hogs that use more the 4 to 5GB of wireless data per month and are tired of being throttled or paying overage fees to their providers.The new data plan pricing marks the first move for the companys new chief executive, Marcelo Claure, who said last weekit would be his top priority cutting prices. He also admitted that the company still has far to go in improvingitswireless network.In a recent study published by RootMetrics,Sprint performed poorly across the board while Verizon ranked top for reliability, speed, data, call and text performances. Sprint also remained as the slowest carrier in terms of average 4G LTE rates in another test conducted by CNET examining the speed of the four major wireless providers.When you have a great network, you dont have to compete on price, Claure said. When your network is behind, unfortunately you have to compete on value and price.Sprint has decided to drop its bid for its rival T-Mobile U.S.and will announce more aggressive pricing plans; Verizon went back to basics with a $60 single line plan with unlimited talk and text plus 2GB wireless data; and T-Mobile unveiled a promothatundercuts AT&T on a four-line, 10 GB family plan.Analysts said carriers would likely respond to Sprints price cuts with more steepdiscount of their own to keep their subscribers.We will see a trickle down in pricing concessions across the industry. This is the start of a price war many anticipated would be coming, Angelo Zino, analyst at S&P Capital IQ, told Reuters.The new Sprint family plan will launch Aug. 22 with alimited-time offer that adds 2GB per line each month for free. Claure said Sprint will announce more pricing for individual plans later this week.( I took this info from http://www.washingtonpost.com/news/business/wp/2014/08/19/sprint... )

**Monthly charges exclude taxes & Sprint Surcharges [incl. USF charge of up to 15.7% (varies quarterly), up to $2.50 Admin. & 40 Reg./line/mo. & fees by area (approx. 520%)]. Surcharges are not taxes. See sprint.com/taxesandfees.Activ. Fee: $36/line. Credit approval required. Plans: Offer ends 09/30/2014. No discounts apply to access charges. Includes unlimited domestic Long Distance calling and texting. Data allowance as specified. Third-party content/downloads are addl charge. Intl svcs are not included. Max of 10 phone/tablet/MBB lines. Waived Monthly Access: Ends 12/31/15. After that customer will be charged applicable monthly access charge based on option selected in addition to monthly data allowance charge. To avoid charges, customer must contact Sprint to make changes. Sprint Easy Pay obligations will still apply if applicable. Discounted phones Access ($40): Invoice will show a term access charge of $15 or $25 to add up to the $40/mo/line charge based upon the data allowance selection until the customer enters into a new device transaction that does not have an annual term service agreement. Data: Includes shared data across all subs. Amount of on-network data allowance depends on selection and 100MB off-network data usage. Addl on-network data usage: 1.5/MB. Additional Off-network data can be added by opt in only for 25/MB for tablets/MBBs. If conflicting share data allowances are applied to an account, the majority on account or most recent change may be applied for all lines. Mobile Hostpost Usage pulls from your shared data and off-network allowances. Usage Alerts: Customers on the Sprint Family Share Pack Plan will receive text alerts or email to the primary account holder in 40% increments over the original data allowance for customers with a 600 MB allowance, at 20% increments for customers with a 2 GB or 4 GB allowance, or at 5% increments for customers with a 8 GB or higher allowance. Customers on other plans will continue to receive notifications after exceeding 20% increments over their original data allowance. Early Upgrade for Easy Pay: Req. active add-on thru time of upgrade with min. 12 consecutive payments of both the buy up and an installment agreement for phones, new phone Installment Agreement, acct. in good standing, & give back of current eligible device in good & functional condition. After upgrade, remaining unbilled installment payments for giveback device are waived. No discounts apply. If you choose to not upgrade early, we will remove the $5 monthly option charge after your Sprint Easy Pay installment agreement is paid in full. Usage Limitations: Other plans may receive prioritized bandwidth availability. To improve data experience for the majority of users, throughput may be limited, varied or reduced on the network. Sprint may terminate service if off-network roaming usage in a month exceeds: (1) 800 min. or a majority of min.; or (2) 100MB. Prohibited network use rules apply see Sprint.com/terms and conditions. $350 Visa Prepaid Card Offer: Consumer, IL and CL phone lines purchasing a new device with Sprint Easy Pay and porting the new line on a Sprint Family Share Pack Plan with 20GB of data or higher. Amount based on ETF (Early Termination Fee) charged or remaining balance on install-bill device (excludes Prepaid devices). All lines must be ported from an active wireless line at another carrier and remain active and in good standing for at least 45 days to receive the prepaid card. You must submit your final bill showing your ETF or installment balance no later than 12/31/2014. Allow 12 weeks for your prepaid card to arrive. Register at www.sprint.com/jointoday.Excludes 100+ Corporate-liable, upgrades, replacements, and ports made between Sprint entities or providers associated with Sprint (i.e., Virgin Mobile USA, Boost Mobile, and Assurance), and plans $10 or less. Not combinable with other offers. Cards are issued by Citibank, N.A., pursuant to a license from Visa U.S.A. Inc., and managed by Citi Prepaid Services. Cards will not have cash access and can be used everywhere Visa debit cards are accepted. Sprint Easy Pay: Req. 24-mo. installment agreement, 0% APR, & qualifying device & service plan. Credit approval req. Device pricing for well-qualified buyers. Monthly payment terms for all others will vary and a down payment may be required. Down payment, unfinanced portion and sales tax (on full purchase price) due at purchase. If you cancel wireless service, remaining balance on device becomes due Network Improvement Claims: Compared to prior Sprint network. Visit Sprint.com/network. Coverage not available everywhere. Other Terms: Offers and coverage not available everywhere or for all phones/networks. May not be combined with other offers. There is no minimum term applied based on the Sprint Family Share Pack, but the Service Agreement applies and automatically continues on a month-to-month basis unless you contact us to inform us of any changes, including cancellation. There may be a minimum annual term applied or continued based on a discounted device purchase. Sprint 3G network reaches over 281 million people. Sprint 4G LTE network reaches over 225 million people. Restrictions apply. See store or Sprint.com for details. 2014 Sprint. Sprint and the Sprint logo are trademarks of Sprint. Other marks are the property of their respective owners.
g: -1 Posted By: pj737
Views: 197 Replies: 13 The point of this ridiculously long-winded analysis is to determine the true cost to OPERATE (not own) an average-priced vehicle with average depreciation (per mile driven) and average fuel efficiency. Long story short, I did this analysis to convince my best friend to not buy a home in the suburbs... he is looking to buy a home that's about 30 miles from his place of employment. His wife also commutes into town for work. He owns a 2011 Toyota Tacoma and she drives a 2010 Lexus ES - they own them F&C. Between both cars, they average about 20 mpg. I'm trying to convince him to buy in town or close to town to cut his commute to <5 miles. However, the home that's 30 miles away is about $200K less for essentially the exact same size home in town (safety/crime is similar in both areas); the home in town is older but is in move in condition. He can afford the $200K price difference based on his earnings. Their daughter also attends private school in town so there is no benefit from a school district perspective. The commute time if they lived in town is <10 minutes each way. The suburbs is 75 minutes in each direction and that's with no stalled vehicles or accidents.

Most of the blogs I've read online (and I've forwarded to him) that argue the insane cost of commuting take into consideration the operating cost AND ownership costs into one figure. In addition to depreciation due to mileage put on the car, fuel, maintenance, etc, they would also factor in things like financing, depreciation due to vehicle age, parking, registration, motor vehicle taxes, etc and then come to a general cost per mile of ownership based on X miles driven (typically it's 15,000 miles). Those numbers vary but generally come in at about 61 cents/mile. Obviously, that number is seriously flawed if you only want to know what it costs to operate that vehicle and drive it X miles. I believe it's impractical for most people to not own a car; knowing what it costs to own it is one thing... but understanding what it costs to pull it out of the driveway and drive it X miles is critical when making decisions about investing in a home many miles away from ones' place of employment.

For sake of argument this applies to those that MUST own a car simply because they don't want to rely on bicycles, mopeds, motorcycles or any form of public transportation to commute. This applies to those that are looking at the true financial costs of commuting longer distances to work/entertainment/etc as a trade off to having lower cost housing in the suburbs/"commuter" neighborhoods.

The first consideration is depreciation... and not the kind of depreciation due to your car getting old but rather depreciation due to miles being put on the car itself. First, we need to determine the cost of an "average" car... and that comes to $31,800 as of last year. I specifically searched on KBB the resale value of cars including Toyota, Ford, Honda, Lexus, Kia and GM that were close to the $31,800 in value as new in 2013. The zipcode entered into the KBB site is in Los Angeles. For sake of ascertaining an accurate depreciation per mile we will use the "baseline" mileage at 3,000/miles per year (i.e. this is the minimum mileage I'm assuming anyone that owns a car will drive and all costs incurred per mile in this analysis are over the 3,000 mile baseline). I used 2011 model year cars for examples on each one; this would mean the car was on the road for roughly 4 years on average. I used 12 different models from 6 different makes all priced (today) at around $32K new. I inputted 3K, 8K, 10K, 12K, 14K, 16K, 18K, 20K, 22K and 24K miles and recorded the difference in value for each. Drivers that put only 3 - 8K miles year only depreciated by 8.1 cents per mile over 3,000 miles. I found that the mileage depreciation between 8,000-12,000 miles averaged about 10.6 cents/mile but when we jumped from 12,000 miles to 16,000 miles the extra 4,000 miles a year cost the owner 11.8 cents/mile hit on value ($472 depreciation). Between 15,000 and 18,000 it jumped up to 12.7 cents/mile average. Over 18,000 miles/year the cost per mile plateaued and was fairly linear in the mid 12-cent/mile range through 24,000 miles. A very conservative average between all the cars and all mileage ranges came in at about 11.4 cents so we will use this figure as the true depreciation per mile driven for all cars that have at least 3,000 miles a year being put on them. Note that older economy cars will realize depreciation rates as low as 7 cents/mile... However the same can be said on the upside where newer luxury cars will see an average 15-22 cent/mile depreciation (I tried to input some luxury cars as well that were priced at $50-$60K). I think 11.4 cents mile is on the low side but let's stick with that for the purpose of this analysis. COST OF DEPRECIATION PER MILE DRIVEN FOR CARS THAT TRAVEL MORE THAN 3,000 MILES ANNUALLY - 11.4 cents

Fuel - yes, I know you can buy a Prius that gets significantly better mpg than an average vehicle but there are many vehicles that get more than 20-30% lower mpg than the average car. I owned a Prius and only averaged 37 mpg which is no where near the EPA estimate of 50. So one needs to consider the TRUE mpg to ascertain the cost per mile in fuel consumption The average car gets 24.9 mpg and this is based on EPA estimates; in reality people will be putting well over a gallon of gas in to travel 24.9 miles. In fact, sitting in slow-moving bumper-to-bumper traffic kills EPA estimates by a good margin. But to stay conservative, we'll use that figure 24.9 figure. 24.9 mpg translates to 15.1 cents per mile at $3.77/gallon (national average). I pay over $4.35 for fuel where I live but again, averages trump real world for the sake of argument. COST OF FUEL PER MILE - 15.1 cents

Average maintenance cost for a vehicle is roughly 5.3 cents/mile. There are countless studies that break this data down and this is simply an average. It varies from as low as 4.1 cents to as high as 6.8 cents with the most common coming in at about 5.2-5.5 cents. This includes tire replacement, wiper replacement, oil changes, filter changes, wear and tear/maintenance of vehicle components, etc. COST OF MAINTENANCE PER MILE - 5.3 cents

Insurance costs are slightly lower for those that commute less. There are insurance companies that base their rates on miles driven and others that give discounts for those that put a relatively low number of miles on their cars. I had to check with my Allstate provider to see if there would be a difference and it was small... an increase of about $85/year if I doubled my mileage from my current 6,500 to 13,000 (I felt a little ripped off when I was told this). Based on that information, I would assume it's safe to say that one could save at least $85/year on premiums if they cut their commute by 6,500 miles. This translates to 1.3 cents/mile in hard costs. COST OF INSURANCE FOR MILES DRIVEN - 1.3 cents

Driving infractions/tickets/etc... Now this one is a tough one. Obviously the more you drive the more likely you are to be pulled over and be ticketed. While some people have never received a ticket in their lives others get tickets every year. According to national law enforcement statistics, of the 195 million licensed drivers on the road in the US, 41 million of them are getting ticketed every year on average. That's roughly a 1 in 5 chance of getting a ticket every year. The average cost of a ticket is $155. Insurance rates increase an average of $320/year based on one speeding ticket going 15 miles over the speed limit. So if there is a 1 in 5 chance you'll get a speeding ticket in a year and that cost will run you $475 that translates to an "average" of $95/year on speeding infraction costs. If the average driver traverses 13,476/miles of roadway in a year that translates to 0.7 cents mile for infractions and this means getting a ticket only once every 5 years... which I could imagine is pretty low and conservative. COST PER MILE FOR TICKETS FOR DRIVING INFRACTIONS - 0.7 cents

Accidents - here is another tough one. Personal costs of injury and property damage are extremely hard to average as they can vary by a huge margin. Especially because some people can go decades without a single incident. The car industry purports that the average driver only gets into a "significant" car accident every 17.9 years or roughly 3.5 times in a lifetime. The average cost of these accidents is $23,450 of which only a small portion (assuming you're insured) comes from the driver's pocket. Assuming deductible costs, time lost, personal injury, repairs/rental not covered by insurance, etc, we'll very conservatively peg this cost at $1,000/per "significant" accident as a direct cost to the driver.That's $3,500 over a lifetime. Over 843,600 miles (what the average person drives over a lifetime), that comes to 0.4 cents/mile. Again this is a very low figure and does not take into account countless minor fender benders which can easily cost several hundreds up to a couple thousand to repair especially if you didn't want to report this to insurance in fear your rates will go up. COST PER MILE FOR ACCIDENTS - 0.4 cents

Toll roads - Depending on where you live and work, toll roads can easily add 5-10 cents/mile on to your commute... possibly much more. However, this isn't applicable everywhere (we have no toll roads in my state) so I am leaving this one out of the equation. If you live in an area that requires you to traverse toll roads you'll have to include this in your calculations.

Total cost to OPERATE a vehicle PER MILE (over 3,000 miles/year) not including toll roads - 34.2 cents per mile.

The point of getting this average is so people can better calculate their finances should they decide to live in a commuter city/neighborhood or suburb vs living in or near the urban core. One could point out that you could save much more if you don't buy a car at all. That's very true. The 34.2 cents/mile operating cost is only about half the cost of total ownership and operations but this is the cost of the mileage applied to a car you already own and need. Note that if you own a newer luxury model that gets not-so-stellar fuel efficiency, the 34.2 cents/mile can easily exceed 50 cents/mile on operating costs only. To be fair, I did an analysis on an older (12 years old) more fuel efficient economy car (35 mpg) with an original purchase price of $20,000 and the cost to operate dropped to a low of 21 cents/mile. But this is an extreme example on the low end and not realistic for most. I think most people that can afford to buy a home will own cars that are at least "average" priced and aged.

Now that I know what it costs to take the average car one mile on the road, I wanted to see just how this impacts housing prices and rents. To be fair, the overwhelming amount of people that live in town also commute shorter distances to entertainment venues, restaurants, places of interest, etc etc. So if there are 241 work days in a year it's fair to add another 52 days of commuting into town per year (that's one extra drive into town PER WEEK, which is very conservative, in my opinion). That means 293 days of commuting into town for the average person (driving into town an average of 5.6 times/week). If that average person lives 30 miles from town, that's 293 days x 30 miles x 2 trips = 17,580 miles. If one lived in town, and had a 5 mile commute, this comes to 293 days x 5 miles x 2 trips = 2,930 miles. So while the person living 30 miles from work is commuting 12,050 MORE miles every year (work commute only) than the person that lives 5 miles from work, they are also driving an additional 2,600 miles year because of their proximity to places they need to drive to that are outside of their place of employment. So for every individual mile one lives further from work (2 mile round trip commute) it translates into $200.41/year in direct costs for ONE car (293 days x 1 mile x 2 trips x 34.2 cents = $200.41/year). If it's two cars commuting (which is more common in households these days), you are looking at double that or $400.82/year.

$1,000 in mortgage costs @ 4.5% amortized over 30 years is $4.21/mo or $50.52/year. So for every one mile you live further from work/play, this translates into $3,966 in additional home purchase price you can afford or $16.70 in additional rent you could afford. If you have two cars making the same commute, double that to $7,934 in home value or $33.40 in rent for every single mile you live further from work. Many people in my place of employment chose to live ~30 miles or more away where housing is cheaper. If the difference from my 5-mile commute is 25 miles traveled (50 miles/day), it comes to $99,150 in mortgage and $835/mo in rent. and you'll have to double that to $198,300 in additional mortgage they could afford and $1,670/mo in additional rent they could afford if they had a two-car household. This does not even consider that of your mortgage payment roughly 1/3 of the payment goes back to your pocket in principal payments (i.e. forced savings) and the other 2/3 of the mortgage payment is (at least for now) 100% tax deductible. Arguably, if you look at the bottom line (forced savings + tax deduction benefit assuming a conservative 30% state and fed combined tax rate), each mile you live further from work translates to roughly $7,100 in additional mortgage payments one could afford for each and every car attached to that home that makes that work commute. All while your mortgage is fixed and your car's operating costs continue to increase over the years. Assuming the above assumptions are accurate, living 10 miles closer to your job can allow you to afford $71K more in a house purchase and that's just with one car. Double that for a two-car commuting family and quadruple it to $284K for the same family living 20 miles from work.

These numbers are absolutely staggering to me and I can't help but think my math and/or assumptions are off somewhere. But it definitely enforces my argument that my friend should buy in town. For those that managed to make it through all this, please chime in and offer any corrections to my reasoning. Yes, I understand there are many assumptions made here but again, the purpose of this post is to get an average figure most people can relate to. I think very few people actually consider the real cost of driving and they end up making mistakes by either buying or renting far distances from their place of employment and other desired activities because they assume they are saving money by doing so. This analysis only takes into account the direct financial costs of driving longer distances... it doesn't take into account the plethora of other considerations (which I find vastly more important) like compromised health and well-being, increased stress, quality time away from family/friends/gym/activities/alone time/relaxing/sleep, etc etc. Sitting in traffic for hours on end every day is a huge quality of life issue for me personally, money aside. If the 30 mile commute was FREE, I would still pay the $200K difference.
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g: 0 Posted By: Ferrari72
Views: 202 Replies: 2 Zyxel DOCSIS3 Comcast Residential Cable Modem - RJ-45, 10/100/1000Mbps, IEEE802.3, 802.3u, USB 2.0, (c)
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g: 3 Posted By: ctgolfer
Views: 276 Replies: 1 use code: SCHOOLDEAL

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Just opinions please- Employer not paying for travel
Added on : Thursday August 14th 2014 04:00:04 PM
g: 0 Posted By: regor1000k
Views: 33 Replies: 0 Hello,

I am travelling for a conference (round trip $300) where I am a speaker and representing my company in my presentation. My conference fee of $3500 and hotel for all days is waived as I am a speaker. This is a pretty prestigious industry conference.

My company (Billion $ company) is saying they will not pay for my travel and per-diem for those 3 days.

They are asking me to either not go to the conference or do whatever but they would not pay for the travel.

I will learn things as well as present in the conference and gain some experience on public speaking for which I don't mind spending $300 out of pocket.

This makes me feel stupid to represent my company in my presentation when they cannot even pay $300 for my travel.

If any of you were in my shoes, what would you do about the conference?
g: -1 Posted By: PowerLifterUSA
Views: 207 Replies: 0 http://www.pipingrock.com/argan-oil/argan-oil-moroccan-100-pure-organic-liquid-gold-4970​

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g: 0 Posted By: ctgolfer
Views: 182 Replies: 0 use promo code: VCO and check out with Visa

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ES-1016

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Standards
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MAC Address Table
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2
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Yes
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g: 0 Posted By: DaysFan
Views: 150 Replies: 0 2014 Natsumatsuri Family FestivalFREE ALL DAY!
Saturday, August 9, 2014
11 a.m.5 p.m
.http://www.janm.org/events/2014/natsumatsuri/Los Angeles | Aug. 9
The Japanese American National Museum hosts its annual Natsumatsuri Family Festival, a summer celebration including origami workshops, a karaoke contest, taiko drumming and more family fun.JAPANESE AMERICAN NATIONAL MUSEUM
100 N Central Avenue
Los Angeles, California 90012
phone: 213.625.0414
toll-free: 800.461.5266
fax: 213.625.1770
http://www.janm.org/

Join us for Natsumatsuri, our annual summer celebration featuring traditional Japanese and Japanese American performances, crafts, and activities.ALL DAY ACTIVITIES

Omikuji
What does your future hold? Find out through omikuji, a Japanese fortune-telling method.
Natsumatsuri Photo Booth
Don a traditional happi coat and get your picture taken against a fireworks-filled sky, a common sight during Japanese summer festivals. (One print per family. A Members Express Line will be available for JANM members.)
Paper Lanterns
Create your own string of paper lanterns, a popular festival decoration.
Baseball Buttons
Design your own baseball button to show off your team spirit and celebrate our exhibition Dodgers: Brotherhood of the Game.
Paper Hats
Make a colorful paper hat to wear while you enjoy Natsumatsuri!
Ruthies Origami Corner
Make a festive origami kimono with Ruthie.
Face Painting
Get in the spirit of our exhibition Perseverance: Japanese Tattoo Tradition in a Modern World and have your face painted by Party Face Magic. (For children only. Line ends at 4:30 p.m. A Members Express Line will be available for JANM members.)
Toddler Room
A fun place for our youngest guests to hang out (with an adult who brought them).
Scavenger Hunt
Follow the clues and look for special items throughout the museum to win a prize! (While supplies last.)

SCHEDULED ACTIVITIES
11 a.m.1 p.m.3 p.m. Screenings of 42
Enjoy screenings of the film 42 (2013, rated PG-13), which documents Jackie Robinsons life story and his inspirational legacy with the Brooklyn Dodgers. 11:30 a.m.12:30 p.m. Taiko Demonstrations
Learn taiko drumming! JANM docent Hal Keimi will give a basic lesson in the exciting Japanese art of taiko. 1 p.m. Obon History & Traditions
What is obon? Rinban Bill Briones of Los Angeles Hompa Hongwanji Buddhist Temple will discuss the obon festival, which honors and celebrates the spirits of ancestors, and what his temple does to prepare for obon season. 1 p.m.2 p.m. Perseverance Artists Collaborative Art Piece
The UGLARworks arts collectivecomposed of Perseverance: Japanese Tattoo Tradition in a Modern World artists Chris Horishiki Brand, Espi, and Evan Skrederstuhave been making acclaimed murals throughout Los Angeles since the early 2000s. The group will be on site to collaboratively create a new art piece at JANM. 1:30 p.m. Common Ground Tour
Discover Japanese American history and culture with a tour of JANMs core exhibition Common Ground: The Heart of Community led by experienced docents. 1:30 p.m. Bon Odori
Celebrate summer with a bon odori (traditional dance) led by Los Angeles Hompa Hongwanji Buddhist Temple. 2:30 p.m. Karaoke Competition
Sing your heart out in our karaoke competition! Prizes will be awarded to winners. Up to 15 contestants; registration opens at the beginning of the festival and is first come, first served.Karaoke Competition Rules2 categories:12 and up11 and under


The first 15 contestants to sign up for either age category will complete. They must select a song by 2:15 p.m., competition will begin at 2:30 p.m.Performers will be judged on three criteria, earning up to 90 points total. The performers from each age group with the highest total points win.Criteria for judging:A. Song execution: How well was the song executed? Were the correct notes hit? Was timing good? Were words sung clearly? (30 points)B. Stage Presence: How confident did the singer appear? Did he/she engage the audience and judges? Did he/she command attention? (30 points)C. Audience/Judge Response: Was the performance well received in terms of applause and other types of approval? Did the performer make a lasting impression? (30 points)


Judges: Gina Hiraizumi, Denise Iketani, and Randy Guiaya, all friends of the Little Tokyo community with experience in the entertainment industry. 3 p.m.4 p.m. Hello Kitty
Hello Kitty, the subject of a major exhibition opening at JANM in October,will be onsite for photos. 4 p.m. East LA Taiko Performance with Lysa Flores
Enjoy a unique blend of Latin rhythms and taiko drumming with an energetic performance by East LA Taiko with Lysa Flores. Before the performance, JANM will screen an excerpt from Maceo: Demon Drummer of East LA, the award-winning film about East LA Taikos leader Maceo Hernandez. The film was produced and directed by John Esaki, Director of JANMs Frank H. Watase Media Arts Center.

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Kraft Foods not happy with coupon stacking
Added on : Wednesday August 06th 2014 09:00:12 AM
g: 1 Posted By: PutThatCoffeeDOWN
Views: 145 Replies: 0 http://www.foodnavigator-usa.com/Manufacturers/Food-industry-is-caught-up-in-a-promotional-trap-Kraft-CEO


Meanwhile, bosses needed to keep a closer eye on online trade spending, he added: The most important dynamic in couponing today is the stacking thats going on enabled by the internet. And really all of us are working through what is an incredible change and how consumers are able to process the coupon and stack them up and if were not careful the consumer is getting a discount thats more than they need."
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g: 0 Posted By: st4rdust
Views: 200 Replies: 0 Amazon has theScientific Explorer Tasty Science Kit(OSA248) on sale for$8.00with Free Super Saver Shipping on orders of $35 or more. Free shipping for Prime members.

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g: 0 Posted By: alamo11
Views: 0 Replies: 0 I know it's Fox but..

This is how unethical servicers make money!


One of the country's largest overseers of troubled home loans, Nationstar Mortgage Holdings Inc., is quietly trying to sell a $100 million insurance agency that doesn't appear to exist.Harwood Service Co. has no website, no independent offices and only a single registered agent. The switchboard operators at Nationstar's headquarters in Lewisville, Texas, haven't heard of Harwood. Call-center employees of Assurant Inc., the insurance carrier whose policies Harwood sells, say the company is just a name used to refer Nationstar business.Only one thing justifies Harwood's nine-figure price tag: The ethereal company has long collected commissions on high-priced insurance that Nationstar compels otherwise-uninsured homeowners to buy. If homeowners can't pay for this "force-placed" coverage, Nationstar forecloses on their homes and sends the bill to mortgage bond investors.New rules by the Federal Housing Finance Agency, investigations by state regulators and class-action settlements now prohibit servicers from collecting commissions on such insurance policies, and the country's biggest brand-name banks have renounced the practice.But some large subprime-mortgage servicers appear to be trying to skirt those rules. They are selling or have sold the nearly nonexistent insurance agencies or have already made profitable business arrangements to try to comply with the new rules.The multimillion-dollar deals illustrate how regulators are still wrestling with messy banking practices more than six years after the housing market's collapse. They also mean that newly sold insurance subsidiaries have an incentive to compel struggling homeowners to buy costly policies, to justify the high sales prices commanded when the insurance agencies were sold.Harwood collected more than $40 million last year on more than $200 million worth of insurance billed to homeowners, according to two people familiar with Nationstar's confidential sales pitch for the business but who spoke on condition of anonymity because they were not authorized to discuss it.Force-placed insurance is a type of backup property insurance meant to protect mortgage investors' stake in uninsured properties. Standard mortgages require borrowers to maintain homeowners insurance and authorize the loan's servicer to buy coverage when borrowers don't. If the borrowers don't pay for the new insurance, servicers foreclose on their properties and stick the bill to mortgage investors.Nationstar's first attempt to sell its affiliated insurance agency fell through early this month after The Associated Press raised questions about the deal, prompting New York's Department of Financial Services to take a look. Nationstar is still seeking to sell the insurance agency, said one person who is familiar with its efforts and requested anonymity to discuss its business affairs without authorization to do so publicly.Nationstar declined to discuss details of Harwood's business.In court, however, Nationstar has opted not to fight to defend its arrangements. Earlier this month, Nationstar and Assurant Inc. reached a deal to settle a class-action lawsuit in the U.S. District Court for the Southern District of Florida that alleged Harwood existed solely to "funnel profits" to Nationstar at borrowers' expense.It's unclear how or whether the Federal Housing Finance Agency, the industry's principal U.S. regulatory agency in Washington, will respond to such sales. In a statement, it expressed concern about the deals. But it said it could not stop servicers from selling their insurance agencies, even as it said it would work with Fannie Mae and Freddie Mac if the companies were circumventing the new rules.The nation's third-largest servicing company, Walter Investment Management Corp., disclosed in its Securities and Exchange Commission filings that rules banning commissions will cost it roughly $20 million a year and said it was "actively looking at alternatives" to giving up the cash. A spokeswoman, Whitney Finch, declined to explain further but said the company would comply with all rules and regulations.Another company, Carrington Mortgage Services LLC of Santa Ana, California, didn't sell its insurance agency. It just agreed to let someone else collect the profits.In an Irish bond prospectus filed last year, Carrington's parent company disclosed that a buyer had paid it $21.25 million in late 2012. If Carrington doesn't send back at least that amount to the agency's buyer in commissions, it will have to give back some of the money it received.Carrington executives denied that its obligation to deliver $21.25 million of commissions would in any way affect homeowners or mortgage investors, and noted that it is not subject to the finance agency rules because it services loans owned by private investors. In its Irish prospectus, however, Carrington warned that some regulators believe the commissions "may constitute an improper 'kickback'," and added: "Should any regulator decide to take action, we may be forced to pay restitution."

http://www.foxbusiness.com/markets/2014/08/01/some-subprime-mort...
Insurance Loss Values
Added on : Friday August 01st 2014 12:00:06 PM
g: 0 Posted By: NEDeals
Views: 150 Replies: 0 I'm helping out with an insurance claim. The insurance company needs a list of items that were damaged and their values. The list is easy enough to create (everything that was waterlogged), but how do I find the values? Is there an acceptable value schedule for the insurance industry? I don't want to overestimate nor sell things short either.

I'm curious if anyone has suggestions about where to find values for common items (furniture, books, personal effects, etc) that are found in homes.

Thanks!
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Tweezerman sale, 50% OFF Free Shipping Belk
Added on : Friday August 01st 2014 07:00:11 AM
g: 2 Posted By: imagine1128
Views: 705 Replies: 2 Belk
TWEEZERMANis a global industry leader that caters to beauty professionals, celebrities and discerning consumers who demand the best-quality beauty tools at the best price.

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MoneyPak Opens Path to Fraud Schemes
Added on : Friday August 01st 2014 01:00:05 AM
g: 0 Posted By: NEDeals
Views: 75 Replies: 0 Federal authorities are sounding alarms about a wide range of fraudulent schemes involving a popular prepaid money card product.

Thousands of consumers have been lured into sending money through the card, called MoneyPak. For online fraudsters, the reusable green-and-white paper card that can be used to quickly reload, or transfer, hundreds of dollars in cash onto another prepaid card is often the money conduit of choice, regulators and law enforcement officials say.

The abuses are mounting as the market in prepaid cards is increasingly finding favor with Americans who dont have access to a traditional bank account or credit card. The roughly $80 billion that consumers are expected to put on prepaid debit cards this year is double the amount put on those products in 2010, according to the Mercator Advisory Group, a banking industry consulting firm. Consumers also use the cards to transfer money into PayPal accounts to shop online...

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Purple Power Cleaner 1 Gal @ Lowes $3.24...... 56% Off ...YMMV
Added on : Thursday July 31st 2014 03:00:02 AM
g: 0 Posted By: brotherhpj
Views: 238 Replies: 2 Lowes Link

Reg $7.48 Now $3.24...Amazon has it for $16.99

Great for the power washer so I'm getting a few more1-Gallon Degreaser

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Free Brocade Network Function Virtualization Certification
Added on : Tuesday July 29th 2014 06:00:09 AM
g: 0 Posted By: remick
Views: 89 Replies: 0 http://www.brocade.com/forms/jsp/nfv-certification/index.jsp?

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g: 0 Posted By: Kariput
Views: 113 Replies: 0 This is a 10.5 x 15" pet door with great reviews. Was $79, now $43.38 at_Amazon with free shipping.

Link

Product Description

We developed a sturdy thermoplastic (ABS) frame; a see through poly vinyl flap with patented edges to not to warp; a floating sill to insure good closure; and a strong molded ABS lock-out slide to restrict the pet's movements when necessary. Then we made it 4 sizes for pets up to 120 pounds. And with a tamper proof mounting system and easy installation, it's the most economical pet door in the industry.

Details:

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g: 0 Posted By: remick
Views: 82 Replies: 0 http://www.amazon.com/gp/product/B00988FMU8/

AUTHOR NOTE "I write this text as a certified scrum master with experience in international blue chip companies dating back to 1999. That experience includes leading projects for the BBC, General Electric, Oracle, BSkyB, HiT Entertainment (responsible for Angelina Ballerina, Bob the builder and other titles that you love watching with your kids or siblings but wont admit to) and Razorfish. These roles have all involved leadership on a wealth of mobile, internet TV and web software projects."

Scrum is a simple framework for managing even the most complex projects, In this book you have all the tools you need to start implementing it in your team or business.

This book is an amalgamation of the following books sold as a cost effective box set (so be sure not to buy them again):

1. The Power of Scrum, In the Real World, For the Agile Scrum Master, Product Owner, Stakeholder and Development Team
2. 72 Reasons Why Scrum Works, For the Agile Scrum Master, Product Owner, Stakeholder and Development Team
4. The Scrum Checklist, For the Agile Scrum Master, Product Owner, Stakeholder and Development Team
3. Scrum of Scrums, Agile Programme Management, For the Agile Scrum Master, Product Owner, Stakeholder and Development Team
5. Scrum Top Tips, For the Agile Scrum Master, Product Owner, Stakeholder and Development Team
6. How to Become a Scrum Master, In 7 Simple Steps, For the Agile Scrum Master, Product Owner, Stakeholder and Development Team
7. How to Meet a Project Deadline with Scrum, In 7 simple steps For the Business, Agile Project Manager, Scrum Master, Product Owner, and Development Team
BONUS
8. Kanban, The Kanban guide, For the Business, Agile Project Manager, Scrum Master, Product Owner and

Book 1. The Power of Scrum
Chapter 2. Introducing Scrum
Chapter 3. Kicking Off a Project
Chapter 4. Establishing Stakeholders
Chapter 5. The Scrum Roles
Chapter 6. Building the Product Backlog
Chapter 7. Sprint Planning
Chapter 8. Release Planning
Chapter 9. The Sprint Lifecycle

Book 2. 72 Reasons Why Scrum Works
Introduction
10 reasons why AGILE PRINCIPLES work
5 reasons why THE SCRUM MASTER ROLE works
5 reason why THE PRODUCT OWNER ROLE works
5 reasons why THE DEVELOPMENT TEAM ROLE works
6 reasons why PRODUCT BACKLOGS work
3 reasons why THE DEFINITION OF DONE works
6 reasons why Sprint PLANNING works
7 reasons why THE Sprint works
8 reasons why THE DAILY SCRUM works
5 reasons why BURN-DOWN CHARTS work
3 reasons why PRODUCT BACKLOG GROOMING works
5 reasons why Sprint REVIEW works
4 reasons why the Sprint RETROSPECTIVE works


Book 3: The Scrum Checklist
1. Scrum Master Check list
2. Product Owner Checklist
3. Team Check List
4. Check lists for each scrum practice


Book 4: Scrum of Scrums Programme Management
Introduction
Pt 1. Establishing a host
Pt 2. Establishing the invitees
Pt 3. Lessons from Industry

Book 5: Scrum Top Tips
Book 6. How to Become a Scrum Master

Book 7. How to Meet a Project Deadline with Scrum
Introduction
Chapter 1. Make sure the product backlog is "ready" to start work on
Chapter 2. Only commit to what you can confidently deliver
Chapter 3. Buffer all tasks
Chapter 4. Use evidence from the past (empirical evidence) to make commitments
Chapter 5. Develop efficient means of communication
Chapter 6. Get a kick out of completing tasks
Chapter 7. Use the retrospective: Keep improving on meeting deadlines!

BONUS Book 8: : Kanban
Introduction
Chapter 1. Introducing Kanban
Chapter 2. The Kanban Board - Deciding on your Workflow
Chapter 3. Determining Priority
Chapter 4. Understand The "Pull System"
Chapter 5. Establish Work In Progress Limits
Chapter 6. Understand Toyota's Six Core Rules
Chapter 7. Create and Refining your Process
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replacing or rebuilding transmission
Added on : Sunday July 27th 2014 04:00:07 PM
g: 0 Posted By: davidbeckham
Views: 87 Replies: 1 I had my transmission with only 70K miles out from my Kia 2008 spectra a few weeks ago and was quoted from $1200-1800 for repair in NYC, and I ended up paying $1200 for them putting in a used one with 50K miles on it. There is a couple things I noticed while shopping around. Some Auto Body was only offering me for rebuilding tranny for $1600-1800, and others told me that usually they would look for a used one first and then if there wasn't any available they would look into the rebuilt option because a high percentage of rebuilt transmissions fail after a year or two . I understand that rebuilding costs more so that the shop would earn more from labor. Other than that, Is there any incentive for shops to push for rebuilding rather than getting a used one? Why did those shops not like to offer a used replacement first? I am trying to get some insight into this industry and figure out who is the honest guy here.
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Teva Women's Figueroa WP Boot $58.50 Fs Amazon
Added on : Saturday July 26th 2014 07:00:04 AM
g: 0 Posted By: tedhawkins
Views: 127 Replies: 0 Teva Women's Figueroa WP Boot $58.50 Fs Amazon

http://www.amazon.com/Teva-Womens-Figueroa-WP-Boot/dp/B00AYRJX66


Product Description

Teva is an authentic icon in the outdoor industry. Founded in the early 1980's by a Colorado River guide, Teva pioneered the sport-sandal category. For more than 20 years on rivers, in canyons, and across the trails of the great outdoors, athletes and enthusiasts have traveled the globe comfortably and confidently in Teva footwear. Providing positive contributions to the world in which we play is at the core of everything Teva stands for. The Teva name itself is a Hebrew word meaning "nature" and the hand logo is the Hopi symbol for "friendship" and "water." Teva supports the outdoor athletic lifestyle and remains committed to innovation in outdoor performance footwear, the platforms which carry enthusiasts beyond the offices of the day-to-day and onto the rivers, trails, and canyons of the next adventure.

Stay steady even on icy terrain wearing the Teva Figueroa Waterproof boot. This sleek, lightweight women's winter boot boasts a seam-sealed, fully waterproof leather and suede upper that can handle getting wet and still look great, with a T.I.D.E. Seal waterproof membrane to keep your feet dry even as you plow through the snow. A faux Sherpa lining lends additional warmth; a side zipper ensures easy on/off. A Mush Infused insole brings the luxurious comfort of Teva's flip flops into a shoe. The White Spider RubberTM outsole of the Teva Figueroa WP boot features bi-directional tread that responds to frigid temperatures, offering enhanced grip and a bit of distance from cold surfaces.


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g: 0 Posted By: DizzyT71
Views: 337 Replies: 0 TigerDirect.com has theOCZ Vector 150 120GB Internal SSD - 2.5", SATA III - VTR150-25SAT3-120Gon salefor $109.99 - $20.00 coupon code EWM135442 - $30 MIR = $59.99 with free shipping.

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New Tutorial: Shopping for Life Insurance
Added on : Thursday July 24th 2014 02:00:07 PM
g: 5 Posted By: dshibb
Views: 196 Replies: 0 Carryover from discussion elsewhere and big thanks to RBirns who referenced the last important piece to put this strategy together.

Today when you buy insurance from any independent agent out there (whether if they're life only, life and securities, etc.) you don't really realize it, but you're actually working with a small number of insurance brokerage wholesale operations in the US. They process all of the cases, give all of the insurance advice to the agents(in most cases), deal with the insurance carriers, handle contracting, etc. All the agent does is turn it over to them right away: client --> agent --> life brokerage --> carrier.

Now these life brokerage firms go by several different names, but they essentially mean the same thing: Insurance Marketing Organization (IMO), Field Marketing Organization (FMO), Broker General Agent (BGA), and Managing General Agent (MGA) are all insurance life brokerage agencies. They are all in the business of providing back end support to those with insurance licenses and their segment effectively dominates the insurance industry as practically every agent uses them and almost every carrier sells through them.


This also means that a very small number of insurance firms are actually at the epicenter of all insurance information. The people that work at them know the most knowledgeable insurance agents in very large networks, they have staff that are on a first name basis with the underwriters/case managers at many insurance carriers, out of sheer volume they've processed they know all the health related and process related quirks at the different insurance carriers, etc. They are also much more likely than retail agents to post their carrier list on their website so you can check quickly what carriers any agent that uses them has access to.


For the first time(I think anywhere online) I'm actually suggesting that customers (not agents) call these firms directly for referral or better yet if there is someone at their offices that will do personal production on the side then just use them since you'd likely get more efficient processing than going any other route.

The new method:

Step 1: (assuming term): Go to term4sale.com for quotes from the largest term insurance public aggregator

Step 2: (thanks to RBirns): Go tohttp://nailba.org/,click "Membership", and "Member Search". Pick your state (or potentially near by state(s) and click "apply". You will see a surprisingly small number of firms listed for an entire state. That is likely at least 50% if not 75% of the life brokerages in that state (not all pay for membership apparently).

Step 3: Go to each companies website where you will see information targeted not to attract insurance customers, but to attract agents. And usually there is a place on the website to view their carrier list and typically if there isn't you should be able to find the parent firm somewhere on their website (Crump, CPS, Brokers Alliance, LifeMark, Partners Advantage, Dunhill, etc. that are the national life brokerage firms). From there you can compare the best term results from term4sale.com with the carrier list they have on their website. You also may be able to pick up certain details about the types of agents that would pick such a place to handle their backroom. Do they mention having their own underwriters on staff? Do they provide support for advanced markets cases(that is code for they have smart people on staff)? Do they have template medical questionnaires on their website(if you have health issues that is a pretty good sign that they actively try to screen carriers based on how they look at particular health issues)? Do they mention "informal underwriting" on their website or mention that they order parameds on their website (valuable if you have health issues and you're above certain medium sized premium thresholds--think like $1.5-2+ million term insurance).

Step 4: Once you've picked out a couple life brokerage firms that seem appealing call them directly. Since this has never been done in mass before I can't attest to how this is going to go in every case, but I think it should work just fine. Just to make sure you don't get odd responses I would say/do one of the following:
--Look up on their website to see if there is a list of names/titles, etc. and if any of them say "wholesaler", "marketing", "sales support", or something like that then just ask for that person.
--"Hi do you have a wholesaler available right now by any chance?"
--"Hi can I get sales support, please?"

If you just say you're a customer and not an agent to the first person that picks up it's possible a receptionist could say something dumb like "we only work with agents here not customers."

Wait until you have a wholesaler on the phone to explain you're a life insurance customer "and that it was suggested to call a life brokerage directly since they're the ones that know the business the best and know everybody. So if anybody at your office is interested in processing a personal production term case(or whatever product you're interested in) that would be great otherwise I can take a referral to one of your agents who you think is [state desired quality such as easiest to work with, most knowledgeable, least pushy, etc.]. Most life brokerage wholesalers probably work with at least 150 insurance agents so their networks are pretty wide and that is just 1 wholesaler at 1 of these firms. If they have 4 wholesalers than that little office probably has at least 600 around the country.


A few additional points. If you are:
1) A normal small term case without any known health issues: You're probably looking for signals on their website of good case management at the firm. For you the best possible situation is to probably land someone at the office to take your case on the side. Why? Because the guy/gal is probably only one cube over from the case manager that processes everything and this is likely a nice little bonus commission to a person that either is salaried or doesn't make much override commission on each wholesale(as opposed to retail) case run through. This means that you're case will probably process in record time because it'll be the wholesaler's #1 priority who will probably bother the case manager daily about having everything go through as fast and smooth as possible.

2) A larger term case with known health issues:You're looking for references to informal underwriting or "ordering their own parameds" on their website. If they mention that it means they will in certain cases take possession of the health records. If they do that then that means they have the capacity to submit them informally to a bunch of carriers and get health classes/ratings back from each of the carriers. If you have health classes/ratings from carriers than you no longer have just "quotes" you have the actual end prices. Then they can compare the best end prices and have the client resubmit an app one more time to the carrier that gave the best price and they take the records and paramed from the first application (to somewhere else) and submit that to this carrier for very quick turnaround. The nice thing being that you don't have to do underwriting/physical/etc. a second time.

An analogy of this would be applying to ABC bank and getting one hard pull and then being able to take the credit report from ABC bank and sending this to as many banks as you liked to see if what they would hypothetically give such a person. Then knowing the exact terms of every bank you submitted to you then pick the one you want and apply only with them. The only difference of course being that medical underwriting sucks a lot more than a hard pull for credit.

3) A smaller term case with known health issues:You want references to health/underwriting questionnaires, "underwriting guides", "underwriting tools", etc. on the life brokerage's website. It's a signal that they'll at least attempt to screen for carriers that are likely to be more forgiving of whatever health issue you have. But since it's a smaller case the carriers wont participate in informal offers so they can't do what is mentioned in #2. This is also a case where you likely will receive a financial benefit if you work directly with a person at the physical life brokerage. Why? Because these people are practically the only people in the country that "build up favors" with insurance carriers. I.e. in certain cases they can really bring pressure on a senior underwriter to move a client from one health rating to another. They typically only can get away with really pushing a few times a year (as opposed to only sort of token pushing because they have a pissed off agent that has written only 3 cases with them on the phone). Guess what if it's their own personal retail case they'll push a lot harder than if it's wholesale case with an agent they're working with.

4) Business/Estate/Trust case: You want references to advanced markets on their website. If it's something ongoing like COLI, BOLI, deferred comp, etc. you want to ask them who they use for an advanced markets TPA. If they say they are their own advanced markets TPA then ask if they provide ongoing reporting services to the companies. If they say no than ask them if they work with an advanced markets TPA that does (regardless if you need it). Also, if you're a big Business/Estate/Trust than M Group needs to be one of the life brokerage firms in the mix since they're basically the only major life brokerage in the business (that I'm aware of) that has been granted proprietary carrier pricing instead of just proprietary access that many advanced markets TPAs are capable of getting.
Discussion Deals
Shopping Life Insurance Tutorial Update
Added on : Thursday July 24th 2014 01:00:06 PM
g: 1 Posted By: dshibb
Views: 12 Replies: 0 Carryover from discussion elsewhere and big thanks RBirns who referenced the last important piece to put this strategy together.

Today when you buy insurance from any independent agent out there (whether if they're life only, life and securities, etc.) you don't really realize it, but you're actually working with a small number of insurance brokerage wholesale operations in the US. They process all of the cases, give all of the insurance advice to the agents(in most cases), deal with the insurance carriers, handle contracting, etc. All the agent does is turn it over to them right away: client --> agent --> life brokerage --> carrier.

Now these life brokerage firms go by several different names, but they essentially mean the same thing: Insurance Marketing Organization (IMO), Field Marketing Organization (FMO), Broker General Agent (BGA), and Managing General Agent (MGA) are all insurance life brokerage agencies. They are all in the business of providing back end support to those with insurance licenses and their segment effectively dominates the insurance industry as practically every agent uses them and almost every carrier sells through them.


This also means that a very small number of insurance firms are actually at the epicenter of all insurance information. The people that work at them know the most knowledgeable insurance agents in very large networks, they have staff that are on a first name basis with the underwriters/case managers at many insurance carriers, out of sheer volume they've processed they know all the health related and process related quirks at the different insurance carriers, etc. They are also much more likely than retail agents to post their carrier list on their website so you can check quickly what carriers any agent that uses them has access to.


For the first time(I think anywhere online) I'm actually suggesting that customers (not agents) call these firms directly for referral or better yet if there is someone at their offices that will do personal production on the side then just use them since you'd likely get more efficient processing than going any other route.

The new method:

Step 1: (assuming term): Go to term4sale.com for quotes from the largest term insurance public aggregator

Step 2: (thanks to RBirns): Go tohttp://nailba.org/,click "Membership", and "Member Search". Pick your state (or potentially near by state(s) and click "apply". You will see a surprisingly small number of firms listed for an entire state. That is likely at least 50% if not 75% of the life brokerages in that state (not all pay for membership).

Step 3: Go to each companies website where you will see information targeted not to attract insurance customers, but to attract agents. And usually there is a place on the website to view their carrier list and typically if there isn't you should be able to find the parent firm somewhere on their website (Crump, CPS, Brokers Alliance, LifeMark, Partners Advantage, Dunhill, etc. that are the national life brokerage firms). From there you can compare the best term results from term4sale.com with the carrier list they have on their website. You also may be able to pick up certain details about the types of agents that would pick such a place to handle their backroom. Do they mention having their own underwriters on staff? Do they provide support for advanced markets cases(that is code for they have smart people on staff)? Do they have template medical questionnaires on their website(if you have health issues that is a pretty good sign that they actively try to screen carriers based on how they look at particular health issues)? Do they mention "informal underwriting" on their website or mention that they order parameds on their website (valuable if you have health issues and you're above certain medium sized premium thresholds--think like $1.5-2+ million term insurance).

Step 4: Once you've picked out a couple life brokerage firms that seem appealing call them directly. Since this has never been done in mass before I can't attest to how this is going to go in every case, but I think it should work just fine. Just to make sure you don't get odd responses I would say/do one of the following:
--Look up on their website to see if there is a list of names/titles, etc. and if any of them say "wholesaler", "marketing", "sales support", or something like that then just ask for that person.
--"Hi do you have a wholesaler available right now by any chance?"
--"Hi can I get sales support, please?"

Then once you have that person explain you're a life insurance customer "and that it was suggested to call a life brokerage directly since they're the ones that know the business the best and know everybody. So if anybody at your office is interested in processing a personal production term case(or whatever product you're interested in) that would be great otherwise I can take a referral to one of your agents who you think is [state desired quality such as easiest to work with, most knowledgeable, least pushy, etc.]. Most life brokerage wholesalers probably work with at least 150 insurance agents so their networks are pretty wide and that is just 1 wholesaler at 1 of these firms. If they have 4 wholesalers than that little office probably has at least 600 around the country.


A few additional points. If you are:
1) A normal small term case without any known health issues: You're probably looking for signals on their website of good case management at the firm. For you the best possible situation is to probably land someone at the office to take your case on the side. Why? Because the guy/gal is probably only one cube over from the case manager that processes everything and this is likely a nice little bonus commission to a person that either is salaried or doesn't make much override commission on each case run through. This means that you're case will probably process in record time because it'll be the wholesaler's #1 priority who will probably bother the case manager daily about having everything go through as fast and smooth as possible.

2) A larger term case with known health issues:You're looking for references to informal underwriting or "ordering their own parameds" on their website. If they mention that it means they will in certain cases take possession of the health records. If they do that then that means they have the capacity to submit them informally to a bunch of carriers and get health classes/ratings back from each of the carriers. If you have health classes/ratings from carriers than you no longer have just "quotes" you have the actual end prices. Then they can compare the best end prices and have the client resubmit an app one more time to the carrier that gave the best price and they take the records and paramed from the first application (to somewhere else) and submit that to this carrier for very quick turnaround. The nice thing being that you don't have to do underwriting/physical/etc. a second time.

An analogy of this would be applying to ABC bank and getting one hard pull and then being able to take the credit report from ABC bank and sending this to as many banks as you liked to see if what they would hypothetically give such a person. Then knowing the exact terms of every bank you submitted to you then pick the one you want and apply only with them. The only difference of course being that medical underwriting sucks a lot more than a hard pull for credit.

3) A smaller term case with known health issues:You want references to health/underwriting questionnaires, "underwriting guides", "underwriting tools", etc. on the life brokerage's website. It's a signal that they'll at least attempt to screen for carriers that are likely to be more forgiving of whatever health issue you have. But since it's a smaller case the carriers wont participate in informal offers so they can't do what is mentioned in #2. This is also a case where you likely will receive a financial benefit if you work directly with a person at the physical life brokerage. Why? Because these people are practically the only people in the country that "build up favors" with insurance carriers. I.e. in certain cases they can really push on a senior underwriter to push someone from one health rating to another. They typically only can get away with really pushing a few times a year (as opposed to only sort of token pushing because they have a pissed off agent that has written only 3 cases with them on the phone). Guess what if it's their own personal case they'll push a lot harder than if it's an agent they're working with.

4) Business/Estate/Trust case: You want references to advanced markets on their website. If it's something ongoing like COLI, BOLI, deferred comp, etc. you want to ask them who they use for an advanced markets TPA. If they say they are their own advanced markets TPA then ask if they provide ongoing reporting services to the companies. If they say no than ask them if they work with an advanced markets TPA that does (regardless if you need it). Also, if you're a big Business/Estate/Trust than M Group needs to be one of the life brokerage firms in the mix since they're basically the only major life brokerage in the business (that I'm aware of) that has been granted proprietary carrier pricing instead of just proprietary access that many advanced markets TPAs are capable of getting.
Discussion Deals
Trademark Registration question
Added on : Wednesday July 23rd 2014 08:00:11 AM
g: 0 Posted By: reverseorder
Views: 122 Replies: 2 My wife and I are working on a startup in fashion design industry. We will design and sell exclusive clothes. We are working as a freelancers for 5 years now and we are thinking to make it an official business. After establishing the LLC, we would like to trademark our brand name, logo and domain name. We asked few lawyers but they told us they don't deal with trademark as it is very complex process. We greatly appreciate if FWs can provide us any kind of advice or suggestion on what to do to get trademark registered. Thanks.
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g: 0 Posted By: ShoppingChick
Views: 225 Replies: 0 DiscountMags has Us Weekly & OK! Bundle1-Yr. Subscriptionfor $125.00 - 80% off promo code FATWALLET = $25.00with free shipping. Order up to 3-years. Offer starts 7/24/14 and expires 7/25/14.

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How to Negotiate Salary in Contract Position
Added on : Thursday July 17th 2014 08:00:06 AM
g: 0 Posted By: BigManonCampus
Views: 112 Replies: 6 In my current situation, I'm interviewing for a job which I'm very well qualified for with a combination of practical experience in pricing and analytics with a very solid educational background and references to back me up. I applied to a rather generic position through Careerbuilder to a staffing company who has now set me up in some interviews. This is with a very large company (you have heard of their products, likely you've consumed them as well) and is doing very well financially.

I arrived at the interview and everything went great, but then they got into the details and I found out that this was a "permanent contractor position". Basically, they didn't have any money in the payroll budget but had some in the "professional services" budget, so they have to hire this as a contractor and not as a direct employee. That's concern number one because this staffing company offers no benefits. Secondarily, the money that they are talking is barely $50,000 which is a living wage in my area, but not where I want to be. The good news is the company is very excited about me as a candidate and is flying somebody from the corporate office to interview me ASAP and they think I'm a great fit (though I'm sure they say that to all the girls).

Where things get complicated is that the job is very cool. The job description is very interesting, I will be given a lot of leeway and will be regularly interfacing with a very powerful client. I like everything about the job, I have a passion for the industry and as a bonus, the office is a mile and a half from my apartment. My problem is simply that I don't know if I'm willing to take a huge pay cut from the other irons I have in the fire who are offering the salary I want. My secondary concern is that when I asked about whether or not this position could be considered a temp to hire opportunity, the interviewer offered that if I was successful, she would help me find other full time jobs at the company but didn't offer that there was a path to becoming a full time employee.

At this point, I have an interview with a director who is being flown in from the corporate office next week. My plan is to demonstrate how she can't afford not to hire me, and then lay things straight out that I need either a lot more money or a permanent position (or both). While I think I would love the work and the company, I don't know if I can take this type of pay cut.

I'm not interested in cutting the staffing company out of the picture, I want them to be paid their commission for getting me in the door, but I'm just not interested in making new college grad wages when I have several years of experience and an advanced degree. Has anybody ever successfully turned a contract position into a permanent one?

tl;dr: Have a potential contract gig with crappy money, I love the company, the company is very excited about me. How do I turn this contract gig into a permanent one with better money?
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g: -1 Posted By: puddonhead
Views: 142 Replies: 9 I'll keep the specifics to a minimum to keep the identity of the "close acquaintance"in question safe. Its no fun to have your boss find out that you are looking around.

A "close acquaintance" of mine is considering moving from his current job. His current job is stressful (in one of the typically aggressive industries - think "Strategy Consulting" or "Investment Banking" etc.).

He/she has two job offers - both in middle management.

Offer 1 is from an old school company that has a low stress culture. It's closer to home (less than 30 minutes commute). This place is supposed to offer very good for work life balance. The industry vertical is unfamiliar. He/She is pretty much done after doing a 9 to 5 stint daily (except for rare emergencies).

Offer 2 is in something this person has always done (i.e. another high stress job) - but pays about 20% higher. He/She is currently unavailable (either commuting or working) from 6am to 9pm due to work - and accepting this offer will continue that. It has a longer commute.

What are the factors you consider when evaluating two very different job offers like that. Is it possible to quantify things?

1. If we calculate the total lifetime value of the difference - then compounding (raises, bonuses) will magnify the current 20% difference to a huge number.
2. How do you put a value against quality of life? Have you faced similar choices and what have been your decision?

I'm interested in your thoughts, comments, or even better - stories - because I see this same thing playing out for me sometime soon. I can either continue doing what I do now (high stress), or find one of the low six figures "just another IT guy" (i.e. relatively low stress) jobs in the old-school organizations that are in abundance near where I live.
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$50 Jiffy Lube Gift Card for ONLY $38 @ eBay by Giftcardmall
Added on : Wednesday July 09th 2014 07:00:03 AM
g: 0 Posted By: ctgolfer
Views: 58 Replies: 0 Purchase limit of (3) Jiffy Lube Gift Cards per eBay user ID, while supplies last.

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g: 0 Posted By: JayMatt19
Views: 95 Replies: 0 http://www.hatethousandmiles.com/
Spirit is offering 8,000 miles for complaining about an airline. Any short complaint will do.Whilst Spirit miles expire quickly and are good for flights on Spirit (for what thats worth), they can be redeemed for free magazines!
-Click here to view the free magazines you can get with your Spirit miles.
-Here is an alternate link with some other redemption options.

Sample redemptions:
Conde Nast Traveler: 12 issues, 900 Miles
Entrepreneur: 12 issues, 900 Miles
ESPN The Magazine: 26 issues, 800 Miles
Fortune: 20 issues, 1,700 Miles
Money: 12 issues, 1,200 Miles
People: 26 issues, 3,300 Miles
Sports Illustrated: 56 issues, 2,100 Miles
Sports Illustrated KIDS: 12 issues, 1,500 Miles
TIME: 52 issues, 1,800 Miles
TIME + Fortune: 52 issues+20 issues, 2,000 Miles
The Economist: 51 issues, 4,800 Miles
The wall street journal: 228 issues, 4,100 Miles
Bear in mind that Spirits industry-worst miles expire in just 90 days and it will take 10 days to get your 8,000 free miles, so be ready to attack the magazine offers as soon as your miles post.
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benefits of starting a retail business at the end of the year
Added on : Sunday July 06th 2014 04:00:09 PM
g: 0 Posted By: davidbeckham
Views: 91 Replies: 0 Hi all

I am a single professional in service industry, and of course I get killed in taxes(36% combined for fed and state). I get paid as an independent contractor for one of my part time jobs. I have now come to a career point where I am ready to start my own shop soon. I need some tax gurus helping me out with this one. I am thinking of signing the lease for space and starting buildout before the end of the year since construction would be the biggest expense of my endeavor, and this way I would be allowed to write the cost of construction off my tax this year. Next year I'd see a drop of my income because the new business would require significant advertising and me investing my time while I could work for an established business and make a decent income. I am hoping to be eligible for a lower tax bracket. If I did everything in one year, I might not have sufficient income to enjoy the tax writeoff. The idea here is to split the project in two tax years and maximize tax savings. Is this plan reasonable? Is there any advantage to squeeze equipment or supplies purchases this year as well?
Discussion Deals
g: 0 Posted By: ShoppingChick
Views: 23 Replies: 0 Newegg has theZyXEL DOCSIS 3.0 Cable Modem (BRG-35503) for$49.99 - $20.00 coupon code EMCPCPF57 =$29.99 with free shipping. Rated 4/5 eggs from 36 customer reviews.

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Guitar Center 15% off one idem $299+ good through 7-6-14
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g: 0 Posted By: puggle
Views: 1 Replies: 0 ~~Exclusions and limitations for the July 4th 15% Off non-sale single-item $299 or more offer:15% off non-sale single-item $299 or more. Not to be used in conjunction with other coupons, promotions or offers. Excludes discounted and clearance items, price matches, used gear, tax/shipping charges, scratch and dent, vintage equipment, Gift Cards, String Club and Stick Club memberships and musician services (Pro Coverage, GC Garage & GC Studios). No cash value. Offer valid 7/3/14 - 7/6/14.
Products from the following manufacturers do not qualify for this offer:
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g: 0 Posted By: Farfisa850
Views: 213 Replies: 0 http://www.amazon.com/gp/product/B00EVVGAD0/

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g: 0 Posted By: remick
Views: 59 Replies: 0 http://www.amazon.com/gp/product/B008YIMIQY

4.8 out of 5 stars (6 customer reviews)

So youre a black belt, bodybuilder and think you have all the skills it takes to be a bouncer, huh?

Well you may make a great bouncer, but if you want to become a professional crowd controller who can handle situations effortlessly and with as little violence as possible then you are intelligent enough to recognize the importance of mastering the techniques in this book.

With the nightlife industry becoming so heavily regulated and more and more venues taking a hard line on their no hit policies, the nightlife security industry has dramatically changed since the old days of gorilla bouncers throwing people into trash bins, and therefore by necessity new skills have evolved.

The author has over a decade of experience in the security industry and set out on a quest to codify the most workable techniques in nightlife security and educate others on their use to handle situations effectively, but with as little violence as possible. The author credits his background as a lawyer with many grueling years of experience in dispute resolution as his influence for many of the techniques outlined in this book which require a subtle, yet highly effective method of gaining compliance in oppositional situations.

This book is the culmination of many years of trial and error by the author in learning the most practical and workable techniques of crowd control and learning from the wisdom of veteran security professionals and police officers.

These time-tested techniques have been specifically designed for kindle readers in an easy to learn format of 101 tips, which can be accessed through an interactive contents page for fast access in those times when you find yourself hiding in the bathroom wondering why on earth you ever got into this industry.

Just a few techniques you will learn in this book include:

- Canned routines from experienced crowd controllers on how to refuse people entry and conduct evictions which are easy to learn and put into practice;

- Multiple ways to gain leverage in confronting situations by using your environment; and

- How to control situations verbally and use a little known Jedi trick which demands compliance.

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52 LED Multi-Purpose UltraViolet Flashlight $21.99 w/FS @ Tanga
Added on : Monday June 30th 2014 08:00:02 AM
g: 0 Posted By: ctgolfer
Views: 70 Replies: 0 Scorpion Illumination/Pest Control
Security/ID and document Verification
Forgery Detection
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Antique inspection
Art forgery/repair tests
Club hand stamp screening
Machinery Leaks
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Financial Considerations of Working in The Adult Industry
Added on : Friday June 27th 2014 02:00:08 PM
g: 0 Posted By: mwa423
Views: 217 Replies: 9 While perusing the want ads today, I came across an ad for a finance position at a local sex toy manufacturing and distribution company. This is a pretty typical Senior Financial Analyst gig, which I'm perfectly qualified for. While I have no problem with what the business does, I realized that there is a strong potential for negative repercussions if I were to leave that company for any reason and try to move to a different one.

My concern stems from the fact that (as most (all?) of you are aware), my most recent job was I worked for a large circus. I've had a surprising number of employers who have told me that they were incredulous that my work there was relevant to the position to which I was applying. Some employers I have interviewed with actually told me they looked at it negatively that I would leave a "good job" and go run away with the circus. If employers see an issue with the circus on my resume, I can only imagine how poorly a potential candidate with experience from the company that sells the "Joy-Ride Vibrating Male Masturbation Sleeve" would be received in HR departments across the land.

An extension of this would be how concerned should an employee be of the reputation of their employer? For example, did a IT guy at Enron have trouble finding a new gig? Did the secretary at Madoff Investments get screwed by having Madoff on her resume? As an alternative, would it be reasonable to demand a premium in salary for working in a politically incorrect business?

tl;dr: How concerned should an employee be about the companies they have on their resume, assuming that their job titles and experience are in generally accepted fields?
Question Deals
g: 0 Posted By: mwa423
Views: 53 Replies: 1 While perusing the want ads today, I came across an ad for a finance position at a local sex toy manufacturing and distribution company. This is a pretty typical Senior Financial Analyst gig, which I'm perfectly qualified for. While I have no problem with what the business does, I realized that there is a strong potential for negative repercussions if I were to leave that company for any reason and try to move to a different one.

My concern stems from the fact that (as most (all?) of you are aware), my most recent job was I worked for a large circus. I've had a surprising number of employers who have told me that they were incredulous that my work there was relevant to the position to which I was applying. Some employers I have interviewed with actually told me they looked at it negatively that I would leave a "good job" and go run away with the circus. If employers see an issue with the circus on my resume, I can only imagine how poorly a potential candidate with experience from the company that sells the "Joy-Ride Vibrating Male Masturbation Sleeve" would be received in HR departments across the land.

An extension of this would be how concerned should an employee be of the reputation of their employer? For example, did a IT guy at Enron have trouble finding a new gig? Did the secretary at Madoff Investments get screwed by having Madoff on her resume? As an alternative, would it be reasonable to demand a premium in salary for working in a politically incorrect business?

tl;dr: How concerned should an employee be about the companies they have on their resume, assuming that their job titles and experience are in generally accepted fields?
Question Deals
g: 0 Posted By: remick
Views: 43 Replies: 0 http://www.amazon.com/Most-Influential-Rock-Stars-1960s-ebook/dp...

In 1964, girls all across the United States filled venues, almost literally screamed their heads off, and fainted en masse. Almost from the second they played the first note, The Beatles would be hit with the resounding screams, which made it impossible for them to even hear themselves sing. When they made their American debut on The Ed Sullivan Show in early 1964, they were greeted by young fans who whipped themselves up into such a frenzy that some of them fainted. Beatlemania had struck North America, creating a musical and pop culture phenomenon unlike anything the world had ever seen. At the center of it all was John Lennon and Paul McCartney, the principal songwriting duo who were instrumental in creating the soundtrack of the 1960s, while producing some of the worlds most timeless classics. Together with George Harrison and Ringo Starr, Lennon and McCartney propelled The Beatles to unprecedented heights, sparking Beatlemania on two sides of the Atlantic and experimenting with their sound in ways that revolutionized rock and inspired bands across various musical genres.

In the space of just a few years, Bob Dylan, born Robert Allen Zimmerman, rose from the obscurity of a small Minnesota town to a position of royalty atop the folk music landscape of the 1960s, with a universal esteem and status on a par with Elvis Presley and The Beatles. In the 1960s, Blowin in the Wind and The Times They Are A Changing became anthems of the anti-war and civil rights movements, but long after the transition from the 50s to the late 60s and 70s was accomplished, the initially baffling young folk singer who appeared out of nowhere was awarded a special Pulitzer Prize for his profound impact on popular music, and American culture, marked by lyrical compositions of extraordinary poetic power. Over the span of his career, he has received Grammy Awards, Golden Globes, Academy Award Oscars, and he has been inducted into the Rock & Roll Hall of Fame, the Minnesota Music Hall of Fame, the Nashville Songwriters Hall of Fame, and the Songwriters Hall of Fame, not to mention the Pulitzer Prize and Presidential Medal of Freedom.

It is rare in the world of music for a general consensus to form over who was the best at anything. Many would call The Beatles the greatest rock band, but its easy to find strongly opinionated dissenters. However, when it came to playing a guitar and laying the soundtrack for the psychedelic era, just about everyone agrees there was Jimi Hendrix (1942-1970) and then there was everyone else. Anyone arguing otherwise either never heard his music or saw him perform. In fact, Jimi Hendrix is one of the few musicians known primarily for his sound and what he could do with a guitar than for his discography.

Dubbed by many as the First Lady or Queen of Rock & Roll, Joplin both invented and installed the rock mama paradigm into the American rock consciousness, a patriarchal and fraternal industry that, much like the societal traits it protested, restricted women to a narrow and conservative criteria for entrance. With only a very few kindred spirits, such as Grace Slick of Jefferson Airplane, she pioneered a new range of expression for white women.

In the mid-1960s, an era on the CUSP of change from the musical and social norms of the previous decade, the emergence of Jim Morrison, the charismatic poet/musician of The Doors, helped to transform the subgenre of rock n roll as a stylistic flavor to the full-fledged institution of Rock Music. Morrison accomplished this transformation by avoiding membership in any of the known categories of modern rock music during the age of protest, but at the same time, he became the general symbol of anti-authoritarianism for his generation and the next.
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Native Instruments MASCHINE MK2 Black Restock $449.99 FS @ MF
Added on : Thursday June 26th 2014 05:00:01 AM
g: 0 Posted By: tedhawkins
Views: 0 Replies: 0 Native Instruments MASCHINE MK2 Black Restock $449.99 FS @ MF

http://www.musiciansfriend.com/stupid

Product Description

MASCHINE MK2 is the second edition of Native Instruments highly respected groove production system and it comes stacked with numerous enhanced workflow improvements for an even more intuitive experience and faster performance. All 16 of MASCHINEs touch-pads have been upgraded with a heightened sensitivity response, and each pad can now be individually assigned a unique color to easily identify and separate sounds, patterns, groups, and scenes. You now also have the ability to time stretch samples directly from the MASCHINE MK2 hardware, eliminating the need to jump back and forth from host systems.

The hardware design has also been improved. One notable addition is the new master push encoder with grid, and the 47 all-new click-buttons that help to speed up the workflow. After all, who wants to waste valuable time digging through menus when the inspiration is running? The displays on MASCHINE MK2 have also been refreshed, now featuring high contrast screens with a higher viewing angle that will help keep your work visible both in the studio and on stage. More hardware and less software, MASCHINE allows for Host Transport Control, meaning that the hardwares transport controls can be used to control the host DAW when the unit is being used as a VST, Audio Unit or RTAS plug-in.

There are also some new effects such as Transient Master, Tape and Tube Saturators that will further help to sculpt performances, and a full version of the MASSIVE synthesizer is included with 1,300 earth-shattering sounds to play with. Additional design features include a fully customizable look; magnetic faceplates and removable knobs let you incorporate your own style with optional MASCHINE CUSTOM KITS that can be purchased separately.

STUDIO POWERHOUSE
MASCHINE integrates easily into your computer-based studio setup. Use the hardware controller to find, load, and play sounds, automate parameters, and arrange patterns on the fly. Combine this with the ability to control and sequence all of your external hardware instruments, or switch to MIDI mode to control other software.

After quickly and intuitively developing your ideas, drag and drop your patterns as MIDI or audio files directly into your DAW to finalize and mix your production. Youll soon realize MASCHINE is a powerhouse capable of revolutionizing the way you make music.

CREATIVE PERFORMANCE TOOL
MASCHINE is fast becoming the ultimate performance tool for creative musicians. MASCHINE controller is super-sturdy, yet easily portable. The highly responsive pads now have heightend sensitivity and can easily be assigned different colors to keep your kits organize. The new Master Push Encoder and endless rotary knobs are addictively playable, while the two improved high-resolution backlit displays keep you informed of what's going on - perfect for any club or stage.

Use MASCHINE as an instrument for performing your own tracks, or sync it with other gear like TRAKTOR PRO 2 (sold separately) to add more dynamics to your live set.

SUPREME SOUNDS INSIDE
MASCHINE comes with over 6GB of ready-to-use, professional and inspiring sounds. Create rhythms and melodies right away with the included drum kits, one-shot samples, basses, synths, and acoustic instruments - all fully tagged for easy browsing. It also includes KOMPLETE ELEMENTS, providing more than 1,000 stunning sounds drawn from the flagship KOMPLETE 7, and a full version of the MASSIVE synthesizer with 1,300 earth-shattering sounds used widely in all styles of music today. And now, you can add extra fuel to your MASCHINE with the new range of MASCHINE EXPANSIONS - premium sample kits created by renowned sound designers and artists.

New Software Enhancements in Version 2.0
Enhanced 8GB sound library
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Powerful drum synthesis
MK2 controller support
Colors for Groups, Sounds, Scenes, and Patterns
Full version of MASSIVE synthesizer
Offline time stretching and pitch shifting
New effect: Transient Master
New effect: Tape and Tube Saturators
Save group with samples feature
Host Transport Control: If MASCHINE is run as a plug-in, the hardware transport controls can be used with the host
Sample play position indicator on the waveform (hardware and software)
AutoWrite pinning
AutoWrite on MASCHINE MIKRO
Improved handling of missing samples
Pre-hear samples from the hardware browser before loading them
Choke all playing sampler voices feature ("panic button": Shift + Mute)
Revised select page (hardware) with access to note length
Quick select events of a sound in a pattern (Shift + Select + Pad)
Quick erase events of a sound in a pattern (Erase + Select + Pad)
Features

Industry-standard groove box workflow
Sampler, arranger, mixer, effects, and more
16 highly sensitive, multi-color performance pads
Two high-contrast displays with 64x256 resolution
Eight display knobs to tweak parameters and browse presets
Browse, scrub, and adjust tempo, volume, and more with intuitive push encoder
23 high-quality effects for instant sound enhancement
Step sequencing, real-time recording, note repeat, slicing, and auto-mapping
Extensive MIDI-mapping capabilities to control other hardware and software
Easy-to-use browser with tagging of kits, instruments, samples, and effects
Intuitive automation recording and step automation editing

g: 0 Posted By: ctgolfer
Views: 172 Replies: 0 The 3-gallon portable air compressor boasts a heavy-duty 1.0 HP induction motor that has a long-lasting oil-lubricated direct drive pump. With an INDUSTRY LEADING maximum PSI of 135, it provides more air to get jobs done faster and save time! Includes an oil sight glass, so you can check oil quickly without having to use a dip stick.


Oil must be added to the compressor pump before operation.

Make household and workplace inflation jobs simple with the Craftsman 3-gallon oil lube portable air compressor
Ideal for jobs of all sizes
Piston style, 15 amps
1.0 HP motor guarantees quick recharges for steady work
INDUSTRY LEADING 135 max PSI to get projects done faster
Universal one hand quick connect allows for fast swapping between tools and jobs
Oil sight glass eliminates the use of a dip stick to check the oil
3 piece kit includes ball tire chuck, male plug and seal tape
Includes 25' coil hose

www.sears.com/craftsman-3-gallon-portable-air-compressor/p-00915...
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g: 0 Posted By: ctgolfer
Views: 59 Replies: 0 Compact drill features a 4-pole open frame motor delivers 535 in. lbs. of torque in a more compact size and a 1/2 in. single sleeve ratcheting chuck that securely holds bits during high torque applications
Compact drill also has a 2-speed transmission for matching the right power to the task
Impact driver delivers an industry leading 1,750 in. lbs. of torque to handle the toughest applications and features a one-handed quick-load bit holder
Both drill and impact driver feature hex grip micro-texture for secure grip and maximum user comfort and grip light, which engages light independently of trigger to illuminate the work space
18-volt radio is 100 percent compatible with all RIDGID 18-volt batteries and features 3 different modes: AM/FM and auxiliary input
This item is sold with (2) AC840085 batteries and (1) Standard charger, this drill is compatible with the following batteries and chargers, not included: AC840083, AC840084, and AC46182 batteries

www.homedepot.com/p/t/203810442
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g: 0 Posted By: remick
Views: 108 Replies: 0 http://www.amazon.com/dp/B005LXW7UW

4.6 out of 5 stars (28 customer reviews)

Couples Money - What Every Couple Should Know About Money and Relationships is written by a married couple in the financial serives industry, Marlow and Chris Felton. They share their personal story of financial transformation and insights they have gained from thousands of couples they have worked with over the last 12 plus years.

Couples Money is an introspective look at a leading cause of divorce; money. Most couples think they are alone in their financial struggles and they have the stories to prove they are NOT! Marlow and Chris help couples get on the same page with easy to follow concepts and action steps they have personally seen work. They believe they have the cure for "financial cancer" that plagues many couples and share their stories to help save millions of relationships.

Couples Money is for any couple that wants to improve their financial situation and the quality of their relationship. This is the book to read if you are in a relationship and looking for money management books to read together.



also free

How to Cope With Money-Related Stress: Dealing With Financial Stress During the Recession
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Finally Fix Your Credit: An Insider's Secrets to Getting the Credit Score You Need
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Free 1-year Print Subscription to Wired Magazine - MM
Added on : Saturday June 21st 2014 12:00:04 AM
g: 1 Posted By: quilligan
Views: 137 Replies: 0 Free one year print subscription to Wired Magazine

Get "Wired" into the latest technology trends. Find out how the latest trends in technology affect the world of business, entertainment, culture, and politics. Each issue covers the latest gadgets, games, software, and industry news. Make technology a part of your life with this exciting magazine subscription.

http://cdn.mercurymagazines.com/200-2008151/index.html


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g: 0 Posted By: ctgolfer
Views: 191 Replies: 0 Delivers 9.2-channels of powerful sound (135W @ 8 ohms, 1kHz) with industry-leading Class D3 amplification designed for true audiophiles - THX Select2 Plus Certified
Supports Ultra HD (4K) pass-through and upscaling; Qdeo video-processing technology provides video conversion from composite and component video to HDMI
9 HDMI inputs (8 rear + 1 front) and 3 outputs; offers advanced HDMI conveniences like Audio Return Channel and Power Save HDMI Standby
AirPlay connectivity through Apple devices like iPhone, iPad and iPod; Android Audio/Video playback with MHL
Supports several formats for unsurpassed audio quality such as Dolby TrueHD and DTS-HD Master Audio, including the newest DTS Neo X format providing a 3-D surround experience for up to 9.2 channels

www.amazon.com/dp/B00DQHZYRI/
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g: 0 Posted By: ctgolfer
Views: 74 Replies: 0 $64.99 after $20 mail-in rebate

Designed for mainstream gaming, the XFXs FX-777A-ZNF4 Radeon HD 7770 Core Edition graphics card features XFXs unique standard GPU core at 1000 MHz which is the benchmark core clock. Ghost thermal technology allows air to pass through the heatsink directly to the PCB and core components for increasing overall graphics card performance. With the HD 7770 graphics card, XFX introduces XFACTOR, a collection of features and technologies that include XFXs exclusive designs and standards with the highest quality and innovation to ensure that even the most demanding gamers get the best from their graphics cards.

The AMD Radeon HD 7770 GHz Edition is the first graphics card equipped with a reference engine clock that breaks the one gigahertz barrier making it the worlds first 1GHz GPU. When coupled with AMDs GCN Architecture and the industrys very first 28nm GPU design, the AMD Radeon HD 7770 GHz Edition offers incredible, best-in-class entertainment experiences that every gamer deserves. Packed with incredible features, such as PCI Express 3.0, the ultra-efficient AMD ZeroCore Power technology or gaming at resolutions beyond 5760x1080 with AMD Eyefinity technology, these are the worlds most advanced graphics. For everyone.

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Free Kindle Book - The Courtesan Handbook
Added on : Wednesday June 18th 2014 05:00:10 AM
g: 0 Posted By: remick
Views: 57 Replies: 0 http://www.amazon.com/gp/product/B00DY68GO4

Do you dream of designer clothes, fine jewelry, five star dining, and vacations to luxury resorts? For centuries, certain women have made their living simply by living a fantasy lifestyle. Historically, such a woman was called a "courtesan." Today, women who live this luxury lifestyle, and get paid to do so, are known as "high-end escorts." It is a world that can provide a woman with financial
security in addition to glitz and glamour. It has also been a world that few have been able to enter. Until now.

In The Courtesan Handbook, Arden Moon mentors her readers using her years of experience and a passion for the art of escorting. The author has had enormous success in the industry both before and after the business transitioned into a mainly digital industry. Escorting can lead to an incredible
lifestyle for any woman. However, entering the upper echelon and mastering the craft is virtually impossible without the sort of valuable knowledge offered within this book. If you have ever thought about being an escort or are a novice wishing to
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You will learn:

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How to navigate the various online marketing options
How to attract and maintain the highest level of clientele
How to remain healthy, happy, and safe while making more money than you ever have before
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g: 0 Posted By: lovelybones
Views: 180 Replies: 0 http://www.newegg.com/Product/Product.aspx?Item=N82E16814130946&...

Fast just got faster with the next-generation EVGA GeForce GTX 770, a high-performance graphics card designed from the ground up to deliver high-speed and super-smooth gaming.Your gaming won't be the same with the EVGA 02G-P4-2776-KR graphics card. Based on the latest evolution of NVIDIA GPU - GTX 770, this card is built around 1536 CUDA cores, with 2GB/256-bit GDDR5 memory clocked at incredible 7010MHz effective memory frequency. It gives the performance you need to game at top settings - you'll enjoy a new level of realism in your favorite FPS, RTS, MMORPG, and RACING games. Furthermore, this card is factory overclocked to 1111MHz Base clock (standard 1046MHz), and 1163MHz Boost Clock (standard 1085MHz), for smoother gameplay. Industry-leading ACS cooling keeps the card nice and cool with optimized acoustics at any load level. It's also stacked with unique gaming technologies that make it more brilliant, such as GPU BOOST 2.0, NVIDIA Adaptive V-Sync, NVIDIA 3D Vision Surround, and NVIDIA PhysX
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Free gift: NVIDIA Gift - Watch Dogs $59.99 value http://www.newegg.com/Product/Product.aspx?Item=N82E16800995199


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g: 0 Posted By: wolfpack23
Views: 164 Replies: 0 http://www.woot.com/offers/optoma-2800lm-1080p-full-3d-home-thea...

True Cinematic Experience
The Optoma HD25e delivers stunning high-definition 1080p video with unsurpassed color accuracy and incredibly sharp detail. It's the ideal projector for today's big-screen home theater experience. It offers full 3D compatibility for seamless integration with your favorite 3D Blu-ray player, Xbox, PS3 and other gaming consoles. Designed for maximum performance and reliability, the Optoma HD25e features industry-leading energy saving features and whisper quiet operation to help recreate a true cinematic experience in the comfort of your own home.Enjoy your favorite television shows, movies, sporting events and video games on the big screen with images as large as 301 inches diagonally! With full 3D capability, the HD25e entertainment projector seamlessly integrates with your Blu-ray 3D player, Xbox, PS3 and other gaming consoles for an immersive entertainment experience.Energy saving features and whisper quiet operation make the HD25e the best choice for your home entertainment needs.At a Glance:

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1080p 3D Delivers a Completely New Home Theater Experience
With native 1080p resolution, the HD25e delivers stunning images with sharp details. This entertainment projector supports both 2D and 3D projection seamlessly and delivers the excellent lower cost of ownership typical of Optoma products.Project Captivating 3D Content
The availability of 3D content, including movies and video games, is exploding with new titles released monthly. The Optoma HD25e comes ready to project stunningly crisp 3D images so real, you'll forget you're in your own living room.This 3D projector supports all HDMI 1.4a mandatory 3D formats: side-by-side format and top and bottom format to allow easy hook up with peripheral to deliver 3D content. As a full 1080p entertainment projector, the HD25e supports all 1080p formats natively. As with all 3D displays, a 3D source (Blu-ray 3D play or 3D gaming console), 3D content and 3D glasses are required for 3D entertainment. Optoma DLP Link 3D glasses are sold separately.State-of-the-Art DLP Technology
Projectors with Texas Instrument's DLP with BrilliantColor technology feature multi-color processing to produce accurate and vibrant colors on the screen. The Optoma HD25e multi-color processing system features a six-segment color wheel coated with an advanced material that achieves superb color saturation and accuracy for extraordinary image quality. In addition, incredibly high native contrast ratios ensure clean and crisp black and white to ensure that text and charts are easy to read.Green by Design
The HD25e has been designed and manufactured for eco-friendliness, to:

Use less than one-watt power consumption in standby mode - Up to 75 percent savings compared to regular standby mode
Limit energy use, with automatic shut down and remote management and control
Employ long-life materials and components
Use components that are lead-free on all printed circuit boards
Use no polystyrene foam in the packing materials
Comply with RoHS standards to phase out the use of hazardous materials

Shipping Note: Eligible for shipping to all 50 statesWarranty: 90 Day Optoma
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TASCAM TH-200X Pro Studio Headphones (2-Pack) $49.99 FS @ MF
Added on : Friday June 13th 2014 03:00:02 AM
g: 0 Posted By: tedhawkins
Views: 40 Replies: 0 TASCAM TH-200X Pro Studio Headphones (2-Pack) $49.99 FS @ MF

http://www.musiciansfriend.com/stupid

Product Description

TASCAMs TH-200X closed-back, mixing headphones are the latest addition to their acclaimed line cans. These headphones are tailored perfectly for recording and mixing, but they also fit nicely into everyday music listening needs. The TH-200X come in the industry standard black design and supply users with supreme audio quality, versatile fit and extreme comfort for long usage periods.

The TH-200X headphones offer an extremely lightweight yet durable design with extra cushion tightly stitched around a stainless steel frame to ensure a cozy fit. Theyre fitted with an elongated cable for users who need to utilize all areas of the room while recording and mixing. In regards to the sound, users will be surprised to hear such a clean, honest representation of their audio.

The headphones ship with a 3.5mm to screw-on adapter. Simply plug the TH-200Xs into any audio-listening device or pair them with TASCAMs portastudio, interfaces (like the US-366, sold separately) or any other home recording setup for an impressive audio reproduction.
Features

Lightweight and closed back design
Tightly-stitched, padded headband and ear bands for stylish comfort
Stainless steel framework and adjustable arms
Brand new 40mm neodymium magnet driver
Dynamic transducer
Honest-and-true audio reproduction
Screw-on 1/8 (3.5mm) to 1/4 (6.3mm) adapter and leatherette bag
Driver diameter: 40mm
Impedance: 32W
Sensitivity: 95dB 3dB
Frequency response: 15Hz 22kHz
Max power: 400mW
Cable length: About 9.8' (3m) when fully extended

g: 3 Posted By: lovelybones
Views: 138 Replies: 0 http://www.sears.com/shc/s/p_10153_12605_00915364000P

INDUSTRY LEADING maximum pressure of 135 PSI
2.4 SCFM @ 90PSI
The compressor is powered by a 120 Volt, 1 HP motor
Has universal quick connects to make it compatible with most accessories and take on a range of tasks
Dimensions: 24 in. H; 23 in. W; 11 in. L
One year limited warranty

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Stanley 92-804 30 Piece Socket Set $19.99 @ Amazon
Added on : Saturday June 07th 2014 08:00:07 AM
g: 0 Posted By: ctgolfer
Views: 168 Replies: 0 Featuring MicroTough Ratchets and Laser Etched Sockets
Meets and exceeds the American National Standards Institute (ANSI)specifications for combination wrenches, sockets, and ratchets
MicroTough Ratchets have the smallest ratchet head in the industry,providing easier access in tight areas
Bi-material rubber handle for better and more comfortable grip. Quick release button makes changing sockets faster and easier
Limited Lifetime Warranty

www.amazon.com/Stanley-92-804-Piece-Socket-Set/dp/B000NIK9ZU/
Tools Deals

Amazon Coupons
g: 0 Posted By: remick
Views: 65 Replies: 0 http://www.amazon.com/gp/product/B00AZOLISO

Book endorsed by the Professional Beauty Association (PBA) and Modern Salon Magazine.

"With the launch of the Ready, Set, Go! Book series,Jeff Grissler has finally created a new benchmark publication geared to helping Salon Owners build and run a profitable salon. Yes, at L'Oreal we want salons to be on the cutting edge with styles and color but more importanly we want them to make money. RSG books series will now give them the tools to get their salons to the next level. Successful salon ownership,happy employees, wonderful families and friends and of all things a healthy retirement! This series of books is a must read for cosmetologists and salon owners who want to grow their business and make money doing it along the way! Great Book!"
If you want to invest in your salons future, staff and build a customer base like no other salon in your area and make the money you deserve, buy "How To Make Big Money at Your Salon" This book is a business and life changer!!
Patrick Parenty
President
L'Oreal Professional Products Division, USA

Every detail to lead you to success
Avoid costly mistakes
Retail success tips from the pros
Gain the financial success others wish they had

Do you have dreams of owning a successful retail beauty salon? Ready, Set, Go! will set you on path that will lead you and your salon to financial success by implementing retail sales strategies into your business.

From concept to design to management
Set up your retail like the pros
Fast track retail sales
Retail sales promotions that work
Sell retail in every salon zone

Sell more retail and develop new and consistent income streams by reading, practicing and perfecting the techniques inside.

About the Authors:

Best selling authors Jeff Grissler and Eric Ryant encourage you to check out their other titles about the salon industry.

Jeff Grissler has been where you are and understands the inner workings of the hair, beauty, and barbering industry and what leads to success as a barbershop owner. As a business owner himself, he understands the business landscape and what owners can expect and guides them to success.

Eric Ryant is a beauty industry entrepreneur with over 30 years of experience in space planning and design for salons and barbershops. No stranger to the industry, Eric spent many years developing new designs and space plans, getting involved in every facet of the industry.
Totally Free Deals
g: 0 Posted By: awishon
Views: 0 Replies: 0 I was in the market for a new hedge trimmer after my 20 year old corded Black and Decker cut the extension cord yet again. Strangely, the cutting shaft bent at a 90' angle after I tried to see if it would also cut deep into the earth lol...

CPO Outlets (2.5% Cash Back) currently has a promotion for an extra $20 off of Greenworks power tools. The Gmax40V Li-Ion 24" hedge trimmer was on sale for $139.99 but the price drops to $119.99 after adding to cart and going to check out. The 2amp battery and charger are included. Free shipping and no taxes for Texas as well. Amazon has price matched the $139.99 but not the extra discount. Amazon review also seem to be good. 4 year warranty on the trimmer and 2 year warranty on the battery.

http://www.cpooutlets.com/greenworks-22262-40v-g-max-cordless-li... Notice: Lithium-Ion Item Express Delivery option not available due to transportation regulations.Become more efficient when working in your yard with the Greenworks 40V G-Max Lithium-Ion Lawn Tool Series, the gas alternative solution you have been waiting on. This interchangeable battery platform offers all the tools you need to complete your yard work without sacrificing performance or power.Featuring premium power, this Greenworks 40V G-Max Cordless Lithium-Ion 24-in Rotating Hedge Trimmer offers a range of capabilities making this a great alternative to gas powered hedge trimmers. The 24-in dual action steel blade provides a greater cutting capacity of 2/3-in and an extended reach for more efficient trimming along hard to reach areas. The innovative 180 degree rotating rear grip handle along with its over mold wrap around handle provides multiple cutting angles and cutting capabilities for versatile use. The unit also features a large hand guard for safety and simple electric start avoids spilling gas and hazardous fumes. An aluminum rail cover is included for safe storage and transportation.Features:

High performance 40V G-Max Lithium-Ion battery delivers fade-free power with no memory loss after charging
Lightweight and well balanced for easier use
Robust 24-in dual action steel blade for optimal performance
2/3-in cutting capacity easily cuts through bushes and hedges
Innovative 180 degree rotating rear handle to provide easy trimming at multiple angles with wrap around auxiliary handle for user comfort
Cushioned and over-molded grips increase operator comfort
Clear view hand guard with see through design for precision cutting and extra protection
Aluminum rail cover included for safe storage and transportation
Please Note:40V G-Max and 40V Li-Ion Batteries are not cross compatible; this tool is compatible with the G-Max 2.0 Ah battery (29462) and the G-Max 4.0 Ah battery (29472)

Includes:

40V G-Max Cordless Lithium-Ion 24-in Rotating Hedge Trimmer - 22262
40V G-Max 2.0 Ah Lithium-Ion Battery - 29462
Charger
Aluminum Rail Blade Covering
Owner's Manual

WARRANTYReturn To TopGreenworks WarrantyDouble The Industry StandardNEW GreenWorks products are protected against all defects under normal use for a period of (4) four years (90 days for commercial use) from the shipping date.Reconditioned GreenWorks products are protected against all defects under normal use for a period of 30 Days from the shipping date.GreenWorks can opt to repair, replace or issue a refund for products that are determined to be defective, or that have been damaged during shipping. Replacement of products or parts subject to normal wear and tear is the responsibility of the customer. If GreenWorks accepts a return under Warranty, you can return the defective or damaged product only after you call and receive a Return Authorization from GreenWorks. You also will receive a refund for your original shipping charges, and GreenWorks will arrange and pay for your return shipping charges. Batteries carry a one-year warranty against defects in workmanship and materials. Batteries must be charged in accordance with the operator's manuals directions and regulations in order to be valid.
g: 0 Posted By: ctgolfer
Views: 125 Replies: 0 use promo code: MEMHD

The RIDGID 18-volt Compact Drill and Impact Driver Combo with FREE Radio have best- in-class torque for the most demanding applications. Both the compact drill and impact driver feature exclusive Grip Light technology which engages the LED light by simply holding the tool and innovative Hex Grip micro-texture for maximum comfort to make every job easier. The Compact Radio offers 3 different modes for AM, FM and Auxiliary Input. All three tools are powered by HYPER Lithium-Ion Technology built for high performance.

Compact drill features a 4-pole open frame motor delivers 535 in. lbs. of torque in a more compact size and a 1/2 in. single sleeve ratcheting chuck that securely holds bits during high torque applications
Compact drill also has a 2-speed transmission for matching the right power to the task
Impact driver delivers an industry leading 1,750 in. lbs. of torque to handle the toughest applications and features a one-handed quick-load bit holder
Both drill and impact driver feature hex grip micro-texture for secure grip and maximum user comfort and grip light, which engages light independently of trigger to illuminate the work space
18-volt radio is 100 percent compatible with all RIDGID 18-volt batteries and features 3 different modes: AM/FM and auxiliary input
This item is sold with (2) AC840085 batteries and (1) Standard charger, this drill is compatible with the following batteries and chargers, not included: AC840083, AC840084, and AC46182 batteries

www.homedepot.com/p/t/203810442
Tools Deals

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g: 0 Posted By: remick
Views: 78 Replies: 0 http://www.amazon.com/gp/product/B00KEW9ENS

Hate Getting Your Car Serviced Because You're Afraid of Auto Repair Rip-offs?
Get Your Copy of this Book! It Gives You the Inside Scoop on the Tricks of the Trade

You will learn how mechanics, world wide, use a "tried and true" sales technique
known as the "Three F's" to get you to agree to spend more money. You'll learn other common ways they cheat customers. This book will teach you about the "dirty air filter" trick and the non-existent "Brake Fluid Flush" that makes the shop money while ripping you off.
You will learn the ways dishonest mechanics scam you by "up selling" services you don't need.

We've All Suspected it Happens, Now there's Proof!
You will learn how dishonest mechanics reel you in with cheap oil change prices then do a "bait and switch" to charge you more.

If you've ever dreaded taking your car in for routine maintenance, such as getting a simple oil change, or you've skipped getting your tires rotated because you're afraid a dishonest mechanic will rip you off, then THIS IS THE BOOK FOR YOU!

That's because, chances are you HAVE BEEN CHEATED! If you're a woman, you can bet you've been cheated, not once, not twice, but over and over again!

Journalist Investigates:
Marty Guerrero is a two-time Emmy Award winning journalist who caught a so-called "female friendly" mechanic cheating her. He was charging her more than $1000.00 for various services when all her car needed was a new battery. When he refused to refund her money, she took her case to state investigators and won!. The shop owner was such a jerk she decided to take auto repair classes, learn about her car and expose the industry's dirty little secrets.

THIS POWERFUL BOOK WILL SAVE YOU MONEY!
Buy this book for yourself, and give copies as gifts to your friends and family. It will save all of you from agreeing to unnecessary services.

You will save on your personal finances and have a lot less anxiety and headaches going to an independent auto repair shop or an auto dealership.

IT'S A "MUST READ" FOR ANYONE WHO DRIVES A CAR!
Totally Free Deals
g: 0 Posted By: remick
Views: 413 Replies: 0 http://www.amazon.com/gp/product/B00KAI845K

Adventures of a Balloon Girl is a book written to share and celebrate the fundamental lessons learnt over the last decade managing a successful Victorian hot air balloon tourism business.
Like ballooning, the tourism industry shines with unique experiences delivered by passionate individuals. Challenges such as cost, time and relevance however can dissuade small business participation in professional and business development activity.
This book is about thriving in business delivering the nuts and bolts of day-to-day business practices through simple tools that can be applied to any small business operation.



also free

The Innovative Admin (All Things Admin)
http://www.amazon.com/gp/product/B008GYU2U0

Business Model Generation: The Blueprints Every Entrepreneur in Every Industry Needs Today to Achieve Maximum Profits
http://www.amazon.com/gp/product/B00JUDU0U8

Modern Approaches: Taking You from Zero to Hero in the Field of Project Management (The ABC's of Effective Project Management)
http://www.amazon.com/gp/product/B00IW3BJL6/

The DBA Formula (A Step by Step Series for creating a profit in your small business)
http://www.amazon.com/gp/product/B00B5HNPAE

The 36 Ancient Chinese Strategies for Modern Business
http://www.amazon.com/gp/product/B00JKKR978
Books Deals

Amazon Coupons
g: 0 Posted By: remick
Views: 0 Replies: 0 http://www.amazon.com/gp/product/B00KAI845K

Adventures of a Balloon Girl is a book written to share and celebrate the fundamental lessons learnt over the last decade managing a successful Victorian hot air balloon tourism business.

Like ballooning, the tourism industry shines with unique experiences delivered by passionate individuals. Challenges such as cost, time and relevance however can dissuade small business participation in professional and business development activity.

This book is about thriving in business delivering the nuts and bolts of day-to-day business practices through simple tools that can be applied to any small business operation.
g: 0 Posted By: sniperruff
Views: 25 Replies: 2 Looking to purchase my first home. I understand thefundamentals of home financingas I've read up the basics of mortgages over the past few weeks.

Background: I have a job in finance with decent pay but the whole industry is unstable and everyone is "fired at will" - there is no heads up, or guaranteed severance. I don't think I will be permanently unemployed if I lose my job but there could be employment gaps. Therefore, I am looking for some protection for the worst case scenario.

The house I'm planning to purchase will be about $500k. The house is in an area in NYC with good rental activity, and I project to generate at least $3,000 a month in rental income (2 units, before expenses). Therefore I should only have to pay for water and other smaller expenses. This is a new building that qualifies for property taxes abatement for about 10 years (I think) so taxes will be minimal.

I've saved up enough for 20% down, closing costs (~$30,000), and about 22 months of mortgage payments for 30-year fixed @ 4% (or 16 months for 15-year fixed @ 3.25%). Monthly payments (assume 20% down, so $400,000 mortgage) are as follows:

30-year fixed @ 4% = $1,900/month ($287,500 total interest paid over life of loan)
15-year fixed @ 3.25% = $2,800/month ($105,000 total interest paid over life of loan)

A 15-year fixed mortgage certainly saves me a lot of interest expenses, but I also don't want to be wiped out should I become unemployed for an extended period of time. My friend suggested me to go with a 30-year fixed, then prepaid whenever possible to lower my interest payment. Assume the best case scenario if I prepaid $900 monthly, then this happens:

30-year fixed @ 4% = $1,900/month + $900 prepaid ($151,000 total interest paid over life of loan)

In a nut shell, I would pay about $50,000 for an "insurance" that could let me fall back onto a 30-year mortgage with $1,900 monthly payment, which my projected rental income should cover along with other house-related expenses.

Here are a few questions:
- Is such an insurance worth it? I know it's obviously subjective, but a $50,000 insurance sounds like a lot.
- What about refinancing as a form of insurance? What if I go ahead with a 15-year fixed and then refinance (although interest rates would most likely have gone up) should I need to?
- Is this commonly done? Any potential hurdles?
- I read that the approximate cost of refinancing is 2-6% of the total mortgage. Assuming I fall onto hard times in 5 years (by then I'll have $286,000 principal left on the mortgage), does that mean it'd cost about $15,000 to refinance (assuming 5% refinance cost)? Any other associated costs?

Sorry for the long write up and thanks for any tips

TL;DR: is refinancing a cost-effective way to lower monthly mortgage payments?
Personal Finance Deals
g: 1 Posted By: remick
Views: 56 Replies: 0 http://www.amazon.com/You-Can-Do-Yourself-Improvements-ebook/dp/...

Have you ever imagined that you could create the home of your dreams?
Do you watch DIY television shows and wish they would come to your house and create a stunning transformation?
Have you been nervous to take on that DIY project because you feel you dont have the skills to make it happen?
The answer to all these questions lies in Gary Nealons You Can Do It Yourself: Great Do It Yourself Home Improvements On A Budget. This book gives you the basic skills you need to begin making fun and valuable changes to your home.
You may be looking to increase the value of your home before putting it on the market. Or you may just be interested in making your house into the home of your dreams. Whatever your desires, Nealon gives you the tools to do the remodel projects that will transform your home!
The best part of all of thisyou will learn industry insider secrets that teach you to remodel ON A BUDGET! Gary knows the tricks of the trade, and teaches you how to get the most from your money when taking on any DIY project.
Garys projects include:
How to install a ceiling fan
How to lay wood flooring
How to replace or install an electrical outlet
How to mount a flat screen TV
How to install a tile backsplash
How to replace a faucet
How to insulate your attic
All projects are marked by their difficulty, and each chapter ranges from the lower budget projects to the higher priced tasks.
You Can Do It Yourself gives you the basic skills you need to be King or Queen of your castle! No more will you rely on outside help for many of the fixes and upgrades you want to do in your home.
This book arms you with the basic skills you need to join the DIY revolution, and saves you money in the process!
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g: 0 Posted By: tedhawkins
Views: 147 Replies: 2 Mountain Hardwear Optic 2.5 Tent $167.97 FS Moosejaw + 10% Back in reward points

http://www.moosejaw.com/moosejaw/shop/product_Mountain-Hardwear-...

The Mountain Hardwear Optic 2.5 Tent is a two person backpacking tent with extra space and an expansive view. The Optic gives new meaning to room with a view with its adjacent, full size doors, just open wide and roll them up to the sides. The floor space has plenty of room for two people to get some shut eye at night, with room to move in the mornings. The doors expand out into dual vestibules, providing a spot to discard muddy boots before entering as well as storing your pack. The majority of the tent body is 20D Poly Knit Mesh to facilitate plenty of air flow with a 70D Nylon Taffeta 3000mm PU floor to protect against wet, dirty campsites. A great way to enjoy the outdoors, even while resting your feet.

FEATURES of the Mountain Hardwear Optic 2.5 Tent
Industry leading DAC Pressfit poles
Doors on adjoining sides roll back to offer huge view and easy access
Two mesh doors with dual-slider zipper for easy entry and exit
Dual vestibule design creates a dry entry into tent and room for gear storage
Internal pockets help keep you organized
Reflective color coded starter tab on the rainfly and canopy make pitching easy
Optional rectangular or triangular gear loft stows gear off the floor (sold separately)
SPECIFICATIONS of the Mountain Hardwear Optic 2.5 Tent
Capacity: 2.5
Door: 2
Pole Num: 3
Vestibule: 2
Interior Peak: 48" / 122 cm
Pitch Type: Freestanding
Packed Weight: 6 lbs 3 oz / 2.80 kg
Minimum Weight: 5 lbs 13 oz / 2.64 g
Packed Dimension: 7 x 23" / 18 x 58 cm
Vestibule Area: 12 square feet / 1.1 square meter
Floor Area: 37 square feet / 3.4 square meter
Canopy: 20D Poly Knit Mesh
Fly: 75D Polyester Taffeta 1500 mm PU
Floor: 70D Nylon Taffeta 3000 mm PU
Poles: DAC Pressfit


Camping Deals

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Fidelity Account Frozen / Restricted
Added on : Saturday May 17th 2014 06:00:05 PM
g: 0 Posted By: Keysersoze617
Views: 143 Replies: 6 I've had a brokerage account with Fidelity for 8 years under a corporation that I own and just recently (within the last 2 weeks) opened up a personal account and transferred all the equities and cash to that account. Today I tried to activate my debit card tied to my Fidelity brokerage / cash account and the operator stated that Fidelity canceled the card. I thought that was strange so I contacted Fidelity to investigate the matter. After speaking with a customer rep, she informed me that Fidelity did indeed cancel the debit card, and not only that, basically froze my account. As of now, I am unable to buy or sell stocks / securities or write checks from the account. She did say that Fidelity will liquidate my securities, my kid's 529 College Plan and cut me a cashiers check and send me on my way.

She also informed me that a letter was sent out Friday notifying me that they are discontinuing service to my account. The letter states that they were recently notified by a industry reporting service of a public record involving me and my activities, and in light of this report they find it necessary to discontinue service to my account.

I have no idea what this could possibly be. The only thing that I can think of was that I recently sold a business and with those funds paid off 2 mortgages, some of which I wired out of my fidelity account. I also bought some precious metals and withdrew some cash ( under 10k) for a vacation i'm going on. I have moved a decent amount of cash around in the last 2 weeks. Would that set off some type of red flag?

​ I went and downloaded my credit report to see if something was on there and found a 10k tax lien, so I'm not sure if that set something off. Regardless of that I have a 800 credit score.

Has anyone experienced this with Fidelity or any other brokerage firm?
Investing Deals
Risk in Accepting Current Company's Counter?
Added on : Thursday May 15th 2014 01:00:05 PM
g: 0 Posted By: Kevo171
Views: 104 Replies: 2 I currently make $80k including salary and ~25% yearly bonus. I've been recruited into a role in a different industry with an offer of $95k +10-15% yearly bonus. Total yearly cash would be in the $105-$107k range.

My current company is a mobile company with a startup vibe- lots of people in their 20s and 30s (I'm 28). Catered food. Beer fridge, etc. If I need to stay late dinner gets paid for by the company. When I travel, I stay at really nice hotels. The other company is a bit more traditional (web, but not mobile) and slightly farther away (10 more minutes each way). Benefits are good in both places. The new role offers a small equity position that I don't currently have. New company also prides themselves in work-life balance and apparently it is rare to stay past 5pm.

My current company hasn't been performing as well recently (I worry that bonuses will dwindle in the future), so I expected that they wouldn't counter. However, afterI brought up the offer to my current company they are working on a retention package.

FWF, do you think that there is too much risk in staying at my current role even if they match my offer given that my company might think I have one foot out the door?

Edit to add- I really enjoy my current coworkers and I have a great relationship with my boss. I regularly hang out with coworkers outside the office. High level strategy has caused some issues recently and we aren't as profitable as we once were, so I worry about the long term stability of my current company.
Question Deals
g: 0 Posted By: remick
Views: 116 Replies: 0 http://www.amazon.com/Strong-Anywhere-Definitive-Bodyweight-Stre...

The largest collection of bodyweight strength training exercises ever published.

A middle finger to everything that is wrong with the fitness industry today, Strong Anywhere unapologetically marches to the beat of a different drum, with a no nonsense yet uncommon approach to building a brutally strong body, containing the most effective underground core strength techniques that exist.
Strong Anywhere is a progressive approach to bodyweight strength training, Simon Boulter has put together material that will help any man or woman build strength, power and athletic ability anywhere, any place, any time.

You wont have to pay expensive gym membership fees, you wont have to queue up and wait for gym equipment, youll also have the convenience of training at home or exercising outdoors in the fresh air and sunshine. You wont need to travel to the gym, deal with parking or have any bulky equipment taking up space at home.

You can train anywhere at any time, as your body is with you everywhere you go and it is the ultimate gym.

The methods in this book can be implemented in your back yard, in your living room, bedroom, in a hotel room on vacation, literally anywhere.

This is how nature intended you to train, you dont need a gym, weights or fancy equipment, you have everything you need right now. The world is your gym, and your body is your membership card. You can get strong anywhere and this book will show you how.
Totally Free Deals
g: 0 Posted By: ArtieLange
Views: 116 Replies: 0 Seagate NAS HDD 2TB 64MB Cache SATA 6.0Gb/s Internal Hard Drive $89.99 shipped W/Code: EMCYTZG296 Newegg

http://www.newegg.com/Product/Product.aspx?Item=N82E16822178391&...


Best-Performing, Highest-Capacity Storage for
One- to Five-Bay NAS Systems Seagate NAS HDDs are built and tested to provide industry-leading performance for small NAS systems in capacities up to 4TB. And NASWorks technology supports customized error recovery controls, advanced power management, and vibration tolerance features. Furthermore, NAS error recovery controls help ensure drive health in RAID arrays. Specifically, NAS HDDs are designed for:

Home servers or desktop NAS solutions
Small-business file sharing
Backup servers

Why Choose the Seagate NAS HDD? Performance. Built and tested to provide industry-leading performance for 247 NAS applications
Capacity. Available in 4TB, 3TB and 2TB capacities
NASWorks. Simplifies drive installation and improves reliability
Reliability. Always on, 2471M hours MTBF
Hard Drives Deals

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Carbide USB drive 32GB $159.99 @Touchofmodern
Added on : Tuesday May 13th 2014 07:00:04 AM
g: 0 Posted By: MasterDebator
Views: 95 Replies: 0 Labeled as the worlds most secure flash drive...

https://www.touchofmodern.com/sales/carbide-usb-drive/carbide-usb-drive-32-gb

and a link to the manufacturers store page for comparison: $199.95


Product Details Carbide encrypted
PIN code access
Military grade AES 256-bit hardware encryption
Pre-loaded with the PortableApps.com platform
Compatible with PC, MAC and Linux
32 GB
Industry-leading 5-year warranty


USB & Flash Drives Deals
CycleTEK Momentum 1 Fluid Trainer $152.99 @ performance bike
Added on : Monday May 12th 2014 06:00:04 AM
g: 0 Posted By: tedhawkins
Views: 88 Replies: 0 CycleTEK Momentum 1 Fluid Trainer $152.99 @ performance bike

http://www.performancebike.com/bikes/Product2_10052_10551_115966...

CycleTEK Momentum 1 Fluid Trainer
Achieve and maintain a top level of fitness with the Momentum 1 Indoor Cycling Trainer from CycleTEK. This high-performance resistance unit features unrivaled technology for incredibly smooth, quiet and stable resistance. It provides measurable, repeatable workload using a silicone-filled resistance chamber and the heaviest flywheel (7lbs) of any trainer in the industry. What you'll experience is a road-like feel that's extremely fluid and realistic. Quick-release mechanism is easy to use and secures your bike to the trainer. Robust frame design offers six points of contact and hexagonal footpads adjust for uneven floors. Folds up easily, so you can store it or transport it to your next race. The Momentum 1 sets the new standard for performance, precision and power.

Thermodynamically neutral silicone filled resistance unit (with secure seal technology) offers smooth, quiet, stable resistance
Unique 2-stage folding frame design folds easily for storage or transport
6 points of floor contact with adjustable hexagonal foot pads for uneven floors
Power Calibrated with CycleTEK Watt Computer for accurate power readings
Easy-to use quick-release bicycle attachment mechanism
60mm roller is the largest in the industry
7lb flywheel is the largest in the industry
Black matte powder coat finish is durable and sleek
Lifetime Warranty against leakage
Unconditional Lifetime Warranty


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Performance Bicycle Coupons
g: 1 Posted By: remick
Views: 227 Replies: 1 http://www.amazon.com/dp/B00AQSF4N4

It's a major milestone for any tax practice: Earning one million dollars in annual revenue.
It doesn't need to remain just a dream, however. With an effective marketing plan, long-term prospect follow-up, and comprehensive systems, even a tiny tax firm can generate the magical $1 million in a single year.
What does it take to generate $1 million in tax resolution fees? At national averages for client fees, you will need to bring between 250 and 350 new clients per year to achieve this.
This book provides a comprehensive marketing plan to generate those 250 to 350 new taxpayer representation clients. You will also learn specifically HOW to implement that marketing plan, with a complete breakdown on the marketing costs, staffing requirements, and other statistical metrics for growing a tax practice of this level in 12 months or less.



Tax Resolution Secrets
http://www.amazon.com/Tax-Resolution-Secrets-Jassen-Bowman-ebook...

5.0 out of 5 stars (4 customer reviews)

Now you can utilize the proven methods utilized by tax professionals to reduce tax liabilities and resolve problems with the IRS. This inside look at professional tax resolution strategies is written in plain language and includes step-by-step instructions for using the strategies.
Tax Resolution Secrets is authored by one of the leading practitioners in the tax resolution industry today, and is a sought after trainer for teaching these strategies to other tax professionals.


Books Deals
g: 0 Posted By: ctgolfer
Views: 133 Replies: 0 100% Tempered Glass (Asahi Glass) - The tempered, processed shield provides extensive protection from outside damages and scratches, including sharp objects like knives and keys. And its laser-cut for a perfect fit.
Anti-Scratch - Oleophobic coating and the 9H hardness (high-grade glass) together prevent most scratches, smudges and fingerprints. A quick wipe restore your screen to sparkling clarity.
Shatter Proof - The shatter-proof film minimizes damage when the screen is broken and helps to reduce damages in general.
Bubble Free - Once you release the glass on your phone, the silicone adhesive does all the work. No bubbles, no fuzz! Perfectly flat and pristine every time.
Glass so clear you won't notice you have a screen protector.
There are no gaps between LCD and the glass screen protector.
Rounded edges prevents any chipping
Hard coated scratch proof 8-9H.
Easy to attach
At 0.3mm slimness it does not any add bulk to your phone.
Industry-high hardness: Effectively resists scratches up to 9H (harder than a knife).
High-response & high-transparency: Only 0.38mm thick; maintains the original touch experience. High transparency: 98% light penetration ratio preserves the original viewing quality.
Smudge and fingerprint resistant: Oleophobic coating reduces smudges and fingerprints, ensures easy cleaning.
Anti-chip rounded edge improves gliding and grip experience.
Package contents: TruGuard Tempered Glass Screen Protector, alcohol towelette, microfiber cloth, 2 home button stickers (black / white), instruction manual
Brand: TruGuard
Model: TEMP-GLASS-PRO
Condition: New
Warranty: 90 Day
Packaging: Retail

http://1sale.com/electronics/other/glass-screen-protector/
Cell Phones Deals

1Sale.com Coupons
Jaclyn Smith Beauty Face Care Collection $119.99 w/FS @ Kmart
Added on : Friday May 09th 2014 09:00:03 PM
g: 0 Posted By: ctgolfer
Views: 82 Replies: 0 aclyn's Face Care Collection has its roots in ideas developed over 30 years of professional and personal experience with leading industry skin health, make-up, and beauty experts.The Complete Face Care Collection contains a generous 3 month supply of all the essential crmes and lotions needed to follow the daily skincare routine Jaclyn has followed her entire adult life, and are the exact same products Jaclyn uses on her skin. The ingredients work in concert to help maximize their ability to reverse the appearance of skin aging, and keep your skin looking and feeling its absolute best. Every product has been carefully formulated using advanced scientifically proven ingredients, and has an amazing luxurious feel. In addition to the five essential skin items (Purifying Cleanser, Rehydrating Day Moisturizer, Rejuvenating Eye Cream, Intensive Night Moisturizer with Retinol, and Polishing Exfoliator), the complete collection comes with two additional products with Jaclyns compliments, her Repairing Night Moisturizer and Silk Body Lotion.

Developed by medical professionals and tested by beauty industry experts
Ingredients work in harmony with Jaclyns beauty routine to help reverse the signs of aging
Enriched with all four proven anti-aging ingredients, Peptides, Antioxidants, Retinol, and Hyaluronic Acid for maximal effect
Generous 3 month supply of each product

www.kmart.com/shc/s/p_10151_10104_015V005882668000P
Health & Beauty Deals
Morning Industry Keypad knob and deadbolt, $49 Fry's BM
Added on : Friday May 09th 2014 08:00:04 AM
g: 1 Posted By: catbui99
Views: 149 Replies: 0 Might be of interest to some. Has decent reviews and about 30% off from typical outlets. Satin nickel and brass only
http://www.frys.com/search?plusearch=6521043%206521063%206521133...


Home & Garden Deals
Free Kindle Book - Overlanding: How, What, Where & Who With...?
Added on : Friday May 09th 2014 04:00:05 AM
g: 0 Posted By: remick
Views: 15 Replies: 0 http://www.amazon.com/gp/product/B00IC58ADO

A comprehensive guide to Overland travel.

The authors, Andy and Kirsty have over twenty years' experience between them in the overlanding industry. They have worked for many of the big names in over one hundred countries on five continents. Now retired from overlanding, they have dedicated their time to sharing their knowledge and expertise with other travellers. They have written two books about overlanding and group travel - Go Hard or Go Home: The Little Book of Overlanding and It's NOT a Holiday! The A-Z Guide to Group Travel.

Overlanding: How, What, Where & Who With...? does what it says on the tin. It answers all your questions about commercial overlanding - What is overlanding? What is overlanding like? Should I go on an Overland trip? Where should I go overlanding? Which Overland company should I go with?

It is a comprehensive guide to what overlanding is all about and how to choose the best Overland company and/or trip to suit you.
g: 0 Posted By: ArtieLange
Views: 0 Replies: 0 Polk Audio CS10 Single Center Speaker - Black $99.99 shipped at Newegg

http://www.newegg.com/Product/Product.aspx?Item=9SIA1J70R68382&T...



Even in a smaller room theater setup, the center channel speaker carries the load of over 50% of a movies effects and audio, from directional cues to dialogue. Timbre-matching is important, so that all the speakers in your system feature the same tonal qualities (for seamless transitions). The CS10 is a small-sized, hard working, high performance center channel speaker timbre-matched to the TSi Series, so you can build a small home theater for a reasonable price without sacrificing performance. Its innovative angled-top design gives you more placement flexibility; with perfect aiming whether you place it on top of your TV or below the screen.CS10 Features:

Achieve perfect imaging with more placement flexibility because the angled CS enclosure flips to accommodate TV-top or below-screen placement.
Unlike other speakers in this price range, TSi enclosures are constructed of extensively braced, solid MDF with 3/4-inch baffles. This virtually eliminates internal resonances and damps energy-stealing vibrations, for more efficient operation and more transparent sound.
Beautiful pewter accents, a high gloss piano-finish black top plate and the stylish black finish makes TSi speakers a part of your decor.
Polks proprietary, patented Dynamic Balance technology allows the engineers to design out distortion-causing driver and system resonances, so you only hear the good sounds.
Klippel motor optimization uses laser measurement technology to ensure a smooth excursion path at either end of the volume spectrum for uniform performance at both low and high volumes.
TSi design combines smaller drivers (for more overall driver area with less driver mass) and narrow baffle geometry, for wider range and more spacious sound staging, so every seat in the house hears a prime performance.
Unlike horns or metal domes, silk dome tweeters deliver clear and detailed highs, without fatigue, even at high volume.
Durable, efficient, and tuned with the Dynamic Balance process, TSi Series polycarbonate cones produce smooth, natural sound.
Surprisingly deep, musical bass response thanks to the critically tuned flared port venting system, which minimizes port noise (chuffing) and smoothes the turbulence of port air flow, to reveal big, full-bodied bass that blends effortlessly with the speakers overall dynamics.
All Polk loudspeakers are timbre-matched within their series, designed with the same components throughout, to achieve seamless speaker-to-speaker blending effects in multi-channel systems.
The high efficiency design results in sound thats spacious and clear, warm and realistic, when combined with practically any electronics, even the most modestly-powered amplifier or receiver.
The high performance crossover system boosts performance with premium components, like Mylar bypass capacitors, to extend response in the higher, more detail-oriented frequencies.
Gold-plated, professional-style 5-way binding posts, for the most secure connection options.



All Polk products are made using the best materials and the most advanced manufacturing techniques. They pass the industrys most exhaustive quality tests, including drop testing, extreme signal response and UV & salt exposure testing. Polk loudspeakers are built to perform for a lifetime.
g: 0 Posted By: tedhawkins
Views: 168 Replies: 0 Guns - Witt Machine SKS Clamp-On Muzzle Brake (MSRP: $89.00) $55 + $6.50 Flat shipping

http://www.gearhog.com/?did=67805


Deal Overview
Our new lightweight clamp on muzzle brake for the SKS rifle has been precision CNC machined from 7075-T651 Aluminum and then Type III Hardcoat Anodized in a matte black color. These brakes offer a substantial reduction in felt recoil and muzzle rise of approximately 60-70%. These brakes will significantly improve comfort during firing, as well as, allowing for faster follow up shots. This design incorporates the most positive locking design of any brake available for the SKS. Also, the design will fit around the standard front sight.

7075-T651 Aluminum has a tensile strength of 83,000psi, yield strength of 73,000 psi, and a shear strength of 48,000 psi. These values are before the hardcoat anodizing which creates an outer layer on the aluminum that specs out at 60 Rockwell.
Fine Print

Expires 05/04/2014.
Limit 5 per person
$6.50 flat rate shipping
Product will ship with 7 - 10 business days after close of deal
Continental U.S. shipping only
Final sale item
I am aware of all the legal ramifications that accompany installing these components. I hold Gearhog harmless for any legal issues that may arise due to my purchasing and utilizing these components. I certify that I will not break any federal, state, or local laws by acquiring and/or using these components in my legally registered firearms. Any and all questions, comments, or inquiries concerning legality of usage or ownership should be directed to the BATFE http://www.atf.gov/firearms/industry






Guns & Ammo Deals
Must notify coverage change in writing?
Added on : Saturday May 03rd 2014 12:00:06 PM
g: 0 Posted By: ToddC
Views: 42 Replies: 0 I received this letter from HealthNet:
If you have obtained replacement coverage or no longer desire to continue your coverage with HealthNet, you must notify us of this coverage change in writing, in a timely manner. Without such written notification of termination of coverage from you, the coverage end date will be extended to cover the 30-day grace period and you will be responsible for premiums for this period.

My question: Is this the norm in health insurance industry?
Question Deals
g: 0 Posted By: ctgolfer
Views: 54 Replies: 0 $399.99 in-cart but get $50 off with promo code: SEARS50

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

www.sears.com/shc/s/p_10153_12605_02215373000P
Appliance Deals

Sears Coupons
g: 0 Posted By: ctgolfer
Views: 146 Replies: 0 $129.99 after $20 mail-in rebate

Compliance with Intel ATX 12V 2.3 & SSI EPS 12V 2.92 standards

80 PLUS Gold certified

24/7 @ 50C: Guaranteed to deliver 850W continuous power

Pure aesthetic design with uncompromising performance

Proprietary dual ball bearing 14cm flower-shape fan enables longer lifespan and lowers overall noise output by dramatically reducing bearing frictions

100% 105C (221F) Japanese made electrolytic capacitors: the foundation of a robust and reliable power source even under the harshest operating environment

Double-forward switching circuitry: offers low power loss and high reliability

Unparalleled DC to DC converter provides highest efficiency, most stable performance, and perfect regulation

3oz PCB design reduces heat generation and allows greater efficiency

Robust & dedicated +12V output: comes with single +12V rail design providing up to 71A

FanDelayCool Technology allows 14cm fan to continue to operate 15-30 sec after system shuts-down to ensure all components are properly cooled

Multi-GPU ready: 2 x PCI-E 8pin & 2 x PCI-E 6pin for PCI-Express graphic cards

Auto switching circuitry for universal AC input from 90-264V

Active Power Factor Correction (PFC) with PF value of 0.95 at full load

Built-in industry grade protections: Over Current, Over Power, Over Voltage, Under Voltage and Short-Circuit protection

www.newegg.com/Product/Product.aspx?Item=N82E16817153143
Computers Deals

Newegg Coupons
+Garmin VIRB ELITE Action Camera $349.96 FS
Added on : Thursday April 24th 2014 03:00:03 AM
g: 0 Posted By: tedhawkins
Views: 172 Replies: 0 Garmin VIRB ELITE Action Camera $349.96 FS

http://www.campmor.com/outdoor/gear/Product___78537

The Garmin Virb Elite Action Camera is sleek and rugged. With a large instant record slider that clicks into place it is easy to know if you are recording even if you are wearing gloves. The ELITE has high-sensitivity GPS for data stamping and GPS-based "smart" recording profiles such as Skiing Mode, which automatically records your downhill runs and stops recording while you're getting hot cocoa or waiting in the lift line. It also features a class-leading 2000 mAh lithium-ion battery that tested up to 3 hours recording at 1080p. It can easily be recharged via your computer or a wall outlet. The digital stabilization feature adds a little stability to bumpy rides and adventures for a smoother video experience. This camera can also shoot stills with the push of a button while still shooting video, so there is no need to stop filming to capture that perfect moment. With a variety of mounts you will be able to firmly lock the camera in position, virtually anywhere.

Unit size (HxWxD): 32 mm x 53 mm x 111 mm
Display size: 1.4" (205 x 148)
Unit weight: With battery: 6.26 oz
Unit weight: With battery and cradle: 7.16 oz
Unit weight: With battery, cradle and flat mount assembly: 8.31 oz
1080p HD video: 1920 ? 1080; 30 fps, 960p@48fps, 720p@30/60fps, 848x480@120fps
WVGA (slow motion): 848 ? 480; 120 fps
Still photo resolution: 16 MP (4664*3496); 12 MP (4664*2632); 8 MP (3264*2448)
Photo burst: 3/s@16, 5/s@12 or 10/s@8
Video time lapse (seconds): 0.5, 1, 2, 5, 10, 30, 60
Wide medium and narrow shooting modes
Easy access slider switch to control recording
Internal microphone: Yes
ANT+ compatible: Yes (remote)
Memory: microSD card (up to 64 GB); card not included
Micro HDMI output with optional mini-USB adapter
Water resistant: IPX7 (1 m/30 min)
Image stabilization: Yes (digital)
Lens distortion correction: Yes
GPS, accelerometer, and altimeter
Wi-Fi connectivity for preview and control with a smart phone or computer (free mobile app for iPhone and android)
Battery type: Removable Li-ion
Battery life: 1080p (30 fps), up to 3 hrs
In the Box
VIRB ELITE action camera
Lithium-ion battery
Cradle
Short link
Right angle link
Adapter to popular industry mounts
Flat surface mount
Curved surface mount
Removable flange base
Threaded collar
Knobs (3)
USB cable
Documentation.


Cameras Deals

Campmor Coupons
g: 0 Posted By: ElephantNest
Views: 70 Replies: 1 http://www.businessinsider.com/amazon-sales-drop-with-online-sal...
General Economics Deals
Polite ways to turn down a job offer
Added on : Monday April 21st 2014 01:00:16 PM
g: 0 Posted By: Jabberwockt
Views: 0 Replies: 0 So I applied to a job posting that I had say with a very well establish company in the industry that I work in. I've been through a series of three interviews already and they made me an job offer for a senior level position. Here's the rub, I don't want it anymore. In talking with the hiring manager and the the management team, I realized that the posting itself barely scratched the surface of the position and that there will be multiple aspects of the job I will dislike. I'm looking for a way to dodge this politely and still maintain a spot in the company's resume pool. I wouldn't mind working for them in the future, it is a good company to have on one's work history, I just don't want the position they are offering me. So, has anyone run into this problem before? What are so good ways/reasons to say no?
g: 0 Posted By: ctgolfer
Views: 167 Replies: 0 Charges the iPhone 6 times and large-capacity phones like the Galaxy S4 almost 4 times with the industry's highest combined charge output of 4A among three charging ports. One Smart Port (5V / 2.4A max) offers truly maximum speed charges to ANY device, including the iPad or even the Samsung Galaxy Tab. 2 additional ports charge Android smartphones at full speed.

High energy efficiency rate, 10% above previous generation Astros and many current standard alternatives, gives you up to an extra full charge for your smartphone. Sturdy construction and matte finish withstands bumps and drops. Grade A cells and premium chips ensure reliability.

A "shake" starts a charge or displays the remaining power level. The ultra-low power consumption (100, 000 shakes consumes less than 1%) Smart LED display, designed with 10 LEDs, balances accuracy and aesthetics.

Input: 5V / 1.5A; Use a 1.5A adapter (not included) with the included USB cable for fastest charging time (9 hours).

Package contents: Anker 2nd Generation Astro3 External Battery, Micro USB cable, travel pouch, instruction manual.

www.newegg.com/Product/Product.aspx?Item=N82E16875968007
Batteries & Chargers Deals

Newegg Coupons
g: 1 Posted By: DizzyT71
Views: 163 Replies: 1 TigerDirect has theSeagate 3TB NAS Drive - 5900rpm, 64MB, SATA, 3.5" - ST3000VN000on sale for $119.97 - $10.00 coupon code "UFY123970" = $109.97 with free shipping. Limit of 1.

Original price: $199.99

Built and tested to provide industry-leading performance for 24x7 NAS applications
Includes NASWorks technology to support customized error recovery, advanced power management and vibration tolerance features
Designed for home servers or desktop NAS solutions, small-business file sharing, backup server applications
Available in 2TB, 3TB and 4TB capacities
Always on, 24x7 - 1M hours MTBF

4.6/5 Stars based on 134 customer reviews on Amazon.

Hard Drives Deals

Tiger Direct Coupons
g: 1 Posted By: ctgolfer
Views: 112 Replies: 0 Product Information
Capture stunning images with this Panasonic DMC-ZS25K digital camera that features a 16.1-megapixel MOS sensor for detailed photos. The 20x optical, 4x digital, 40x Intelligent and up to 45x EZ (extra optical zoom) let you hone in on distant subjects.

Product Features
Powerful 20x optical zoom lens in slim body
The DMC-ZS25 boasts a 20x optical zoom lens that fits in a slim, pocket-sized profile. The powerful 20x optical zoom lens draws your subjects right up close, and lets you freely capture decisive sports scenes, along with the natural expressions of people and animals.
Ultra wide-angle lens
The 24 mm ultra wide-angle lens - rare on a compact camera - gives you a wider range of composition possibilities with a larger viewing space compared to that of 35mm camera. The high-quality LEICA DC lens minimizes distortion at the wide end.
40x intelligent zoom
The intelligent zoom is an extensive zoom function using digital zoom with minimum deterioration of image quality thanks to the Intelligent Resolution technology. The 20x optical can virtually extend to 40x equivalent.
Nano surface coating
The Panasonic's black box technology Nano surface coating boasts extremely low reflectance ratio and it is applied to DMC-ZS25 for exceptional optical performance with stunning clarity by minimizing flaring and ghosts.
Power O.I.S. (Optical Image Stabilizer)
The Power O.I.S. (Optical Image Stabilizer) suppresses the low-frequency vibration hand-shake component, which is physically generated when pressing the shutter button or when shooting at night with a slow shutter speed. The O.I.S. also works for powerful zoom shots, which are especially susceptible to hand-shake. Plus, the active mode is effective for video recording.
16.1-megapixel MOS sensor
The DMC-ZS25 features the 16.1-megapixel high sensitivity MOS sensor that boasts high-speed signal output and high-sensitivity image recording for making many advanced features possible. It also allows shooting images up to ISO3200 in full resolution.
Venus Engine
The DMC-ZS25's Venus Engine processes large amount of full HD data at high-speed. At the same time, the multi-task image-processing engine, the Venus Engine realizes a super-fast response time.
Creative Panorama
With the industry's first Creative Panorama, 12 filter effects make panorama images more impressive, and expand your expressive abilities.
Quick start-up time
The DMC-ZS25 boasts the quick start-up time. Together with the Light Speed AF, the DMC-ZS25 never misses the most fleeting shooting opportunities.
Light Speed AF
The Light Speed AF helps to catch even the most fleeting photo opportunities. You can quickly focus on moving subjects, such as when you're shooting sports scenes or animals.

www.ebay.com/itm/181375573592
Cameras Deals

eBay Coupons
g: -1 Posted By: cvrev
Views: 173 Replies: 0 Product DetailsThis tripod is the successor to our premiere ZX carbon fiber series, and it is offered at an industry leading low price for a 60 Carbon Fiber Tripod ball head combo. Carbon fiber is an upgraded material that is known for its lightweightness, resistance to vibration, and greater torsional stability compared to aluminum. With a max height of 60, the tripod is a suitable height for most people. This tripod uses a traditional ball head design with separate control for pan and tilt. Other upgraded features include bubble level on the tripod and compass. Comfort foam grips also make it convenient for handling purposes. 3-angle leg locks allow for multi-angle tripod positioning. Lastly, included is a padded nylon case for storage.

Tripod Features:

4 leg sections - 8 layer carbon fiber legs
Retractable center column hook
Removable center column for low-angle shots
Convenient one-handed leg twist locks open and close
Maximum Operating Height (center column extended): 60" center / 48.5 center column not extended
Minimum Operating Height: 21
Folded Height: 23.25"
Net Weight: 3.5 lbs.
Max Operating Load: 13.0 lbs.
Number of Leg Sections: 4
Base Thread: 3/8"
Quick Release Thread: 1/4"
Panoramic Angle: horizontal-360 degrees and vertical-90 degrees
Material: Aluminum alloy and carbon fiber legs



=14pxBall Head Features:

Fluid pan movement base
Traditional design ballhead offers classic design with pan and tilt knobs
Quick release plate has convenient flip locking screw
360 degree marking for panoramic shots
Ball head is removable




=14pxModel: ZX600B103

Specifications

Base Thread Size:3/8 inch
Brand:Dolica
Folded Height:23.25 in.
Material:Carbon Fiber
Max. Operating Height:60 in.
Maximum Horizontal Panoramic Angle:360 Degree
Maximum Vertical Tilt Angle:90 Degree
Min. Operating Height:21 in.
Model:ZX600B103
Number of Leg Sections:4
Quick Release Plate:Quick Release Plate On Head
Quick Release Thread Size:1/4 inch
Type of Head:Ball Head
Weight:3.5 lb.
Weight Capacity:13 lb.


Here is where you can purchase:http://www.costco.com/Dolica-Proline-60%22-Carbon-Fiber-Tripod-w...


Cameras Deals
Titanfall (Xbox One or PC) - $44.99 + FS @ Best Buy
Added on : Monday April 07th 2014 08:00:03 PM
g: 0 Posted By: st4rdust
Views: 149 Replies: 0 Best Buy has Titanfall available for $44.99 with free shipping.

Xbox One Link
PC Link

Positive reviews for both console versions can be found on their respective product pages. IGN gave Titanfall an 8.9/10 here,and Metacritic gave it an 86.

Enter Titanfall, a universe that pits small against giant, nature against industry and man against machine, from the people who brought you the Call of Duty series
Choose whether to play as elite assault Pilot or agile, heavily-armored, 24' tall Titans
Decide to either attack or escape on the fly, thanks to Titanfall's dynamic combat and movement system
Bring your A-game to the online battlefield that combines fast-paced action with the heroic set-piece moments of traditional Campaign mode
For 1 player; multiple players online

Xbox One Games Deals

Best Buy Coupons
g: 1 Posted By: remick
Views: 329 Replies: 1 http://www.amazon.com/dp/B008P1HGP8

Bill Gates, the founder and former CEO of Microsoft, has been a revered, and occasionally controversial, worldwide business icon for more than three decades.

Recognized by most as an ingenious visionary, and painted by some as a tyrannical, less-than-scrupulous empire builder, Gates has had an unignorable impact on the growth of digital technology in daily life over the past 30 years. Even his sharpest critics have to acknowledge the obvious: Gates helped spearhead one of the greatest revolutions in modern history by seizing on the importance of software to the rise of the personal computer, along the way turning an arcane, specialized technology into a commonplace tool for the office and home.

Gates has long been ranked as one of the worlds wealthiest men--which gave him a name recognition far greater than that of most CEOs--and businesspeople of all stripes have looked to him as a role model, using his words and business strategies to help create, inspire, and grow their own companies. After he stopped running Microsoft's day-to-day operations in 2008 to devote himself full-time to the Bill & Melinda Gates Foundation, a kinder, gentler Gates began to emerge. As a result, people actively involved in the philanthropic world, whether in professional, part-time, or personal capacities, began to develop a new appreciation for the man.

Bill Gatess second act is no less compelling than his first. And whether youre interested in his personal life or looking for inspiration to drive you forward in your own business endeavors, Impatient Optimist: Bill Gates in His Own Words has much to offer. As the tech giants who distinguished the turn of the 21st century shape public life in ways that outstrip the efforts of the previous century's titans of industry, we look to figures like Gates for inspiration as one of America's greatest business icons. This book will surely feed the world's curiosity about one of the most important leaders of the digital age.
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Amazon Coupons
New graduate starting a business
Added on : Thursday April 03rd 2014 04:00:06 PM
g: 0 Posted By: BloodyInsane
Views: 114 Replies: 0 This is my first time posting in FWF.
The gist of it:
I'm graduating with $19,000 in student loan debt and have a 6 month grace period I want to take advantage of. I have enough savings live and pay interest during the 6 months. So, during the grace period, I want to start multiple tech business, some with partners, some without. Good idea? Bad? Best course of action? General advice?

Details:
As far as personal finances go, I think I'm a little ignorant, but as far as business finances go, I know I'm pretty much in the dark. I'm graduating in May with a computer science degree from UC Berkeley. At the time of graduation, I will have accrued about $19,000 (principal+interest) in student loan debt, $11,000 of which is unsubsidized at 6.8% and $8,000 of which is subsidized at 3.4% with a 6 month grace period after graduation. It's not a trivial amount of debt but it's also not a mountain of debt either, and I have more than enough savings to live and pay off interest during the 6 month grace period before repayment starts. I have family and friends in the software industry, and currently have job offers on the table. Let's assume employment is not a problem.

I figured, during the 6 month grace period, it would be as good a time as any to pursue my multiple side projects more seriously and try to develop them into viable businesses. Once I start working a regular job and repayment kicks in, it doesn't seem like I will never get this opportunity again, especially if I work for a company with an Intellectual Property clause and anything I do becomes theirs anyway. For two of my projects, I have partners, so we would eventually form an LLC (or possibly an S corp). For my personal software projects, I am the sole developer and will likely outsource some non-coding work to independent contractors. As such, it seems like a sole proprietorship is the way to go until I bring in long-term partners and incorporate. I also occasionally develop games on the side, and would like to form a business through which I can publish those games, also likely to be a sole proprietorship, but it's not a rush. I can't get into details about the projects, but from a development standpoint, they require little to no capital, however, they are time-sensitive ideas that need to be executed ASAP (like anything else in tech) or we risk obsoletion/being beat to the punch.

From a high-level view, does the general plan make sense? I understand it's risky, and I've hung around FatWallet enough to know that there's probably a thousand things I'm overlooking. I'm just looking for general advice and to maybe get pointed in the right direction as far as looking for legal and financial advice, or to be told it's a terrible idea and to just get a job.

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

Total Quality Management, Leadership & Management Science

Turnaround Strategies for Customer Centric Operations is a turn-by-turn guide for leaders who endeavor in operational restructuring of underperforming organizations. The proposed approaches and suggested strategies, tactics, and methodologies are customer-centric, data-driven, and quality-oriented. This book brings a very structured approach to an otherwise overwhelmingly complex challenge: operational turnaround.

The approach presented is structured strategy: a simple, organized, results-oriented recovery plan, together with decisive, superior execution of such plan, can increase dramatically the chances for a successful and stable operational turnaround and the undeterred progress towards profitability and growth. Essentially a leadership and management science book that reads like a novel and brings easy-to-use tools for transformational leaders regardless of industry, Turnaround Strategies is a handbook for total quality management.
Books Deals

Amazon Coupons
Anyone shopped for title insurance before?
Added on : Sunday March 30th 2014 08:00:11 AM
g: 0 Posted By: fleetwoodmac
Views: 92 Replies: 2 So my real estate agent tells me I need to pay 1% of the purchase price to title company for title insurance
I said can't I shop around for title insurance?

And of course she does not know what I am talking about, and I searched the internet and found 2 companies only

www.onetitle.com
www.entitledirect.com

According to the WSJ article below it says

=15pxEnTitle has an "A Prime" rating from Demotech, which rates insurer financial stability. That is Demotech's second-highest rating, and the same rating many rival title insurers have.

OneTitle, which also markets to real-estate lawyers and other industry professionals, has a rating of "Substantial" from Demotech. The rating, while lower than EnTitle's, is acceptable to most mortgage lenders, according to Demotech.

Redfin, a real-estate agency based in Seattle that has pioneered the use of technology in real-estate sales, started a title-insurance agency, Title Forward, in early 2013. It is based in Philadelphia and sells policies in Maryland, Virginia, Pennsylvania, Georgia and the District of Columbia.

http://online.wsj.com/news/articles/SB10001424052702303949704579...

I am in TX and it was gonna cost me 1% which is like 3,710 but I called Entitle direct and they sent me an email in half an hour for $3,100

I did not call One Title yet

So at this point, what is the catch here what are the potential drawbacks?
Question Deals
To Buy or not to buy a house?
Added on : Saturday March 29th 2014 11:00:09 AM
g: 0 Posted By: rodge
Views: 156 Replies: 0 I'm a long time lurker when it comes to FWF, but am hoping that I can lean on the wisdom of you all to give us some thoughts on the decision making.

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

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

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

FICO score: 787 & 798.

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

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

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

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

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

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

Or Should we even buy a house this year? Or wait for another year? (We'd like to move to a school district which has better GT, Honors, AP, AAP courses down the line)
Thanks in advance for taking the time to read my post and offer some insight.
Question Deals
Free McNett Camo Form LT sample (camouflage wrap)
Added on : Friday March 28th 2014 06:00:10 AM
g: 2 Posted By: remick
Views: 108 Replies: 0 http://www.mcnett.com/tactical/lt-free-sample

We'd like to send you a sample of our NEW Camo From LT. A lightweight, more affordable version of our industry-leading Camo Form camouflage wrap, it stretches twice its length and comes in several new patterns. Give it a try. We think you'll dig the new Camo Form LT.
g: -1 Posted By: truncheon
Views: 127 Replies: 0 Here's the link: Free App of the Day

You need to have the free Amazon App Store appinstalled on your Android device to install any apps you buy from Amazon on your device.

Description:
mSecure is a password and data manager that offers a convenient, secure solution to storing sensitive information on your Android device.

mSecure stores sensitive data, like web logins and passwords, credit card numbers, frequent flyer IDs, and any other data you want to access quickly from your mobile device. Using an industry-proven data encryption method, your information is safe guarded in case your device is misplaced or stolen.
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g: 0 Posted By: myonlyday
Views: 57 Replies: 0 Amazon.com has the HGST Travelstar 2.5-Inch 1TB 7200RPM SATA 6GB/s 32MB Cache Mobile retail kit for $69 now.

http://www.amazon.com/HGST-Travelstar-2-5-Inch-7200RPM-Mobile/dp/B0097LG9U8/


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Industry Leading Green,Power Consumption

Hard Drives Deals

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g: 0 Posted By: ArtieLange
Views: 136 Replies: 0 LG-Ericsson ES-1005G Unmanaged 10/100/1000Mbps 5-Port Unmanaged Gigabit Switch $12.99 shipped Newegg w/code EMCYTZT58835

http://www.newegg.com/Product/Product.aspx?Item=N82E16833218036&...



LG-Ericsson ES-1000G unmanaged switches combine ease of use and superior performance in a compact profile, ideal for use with small business and home users. They also adopt simple QoS technology based on 802.1p tagging and IP TOS to optimize critical network communication. Designed with environment protection in mind, they comply with industry standard EEE (Energy Efficient Ethernet) technology to be more eco-friendly.ES-1000G UNMANAGED SWITCHES ARE AN EXCELLENT FIT FOR SOHO AND SMALL BUSINESSES SUPPORTING PLUG AND PLAY INSTALLATIONS AND DELIVERING WIRE-SPEED PERFORMANCE.Plug & Play InstallationLG-Ericsson iPECS ES-1000G Gigabit Ethernet Switches provide a true plug and play solution for connecting various networking devices. These switches easily connect to any network using a combination of auto negotiation to select the optimum speed and duplex for each link and auto MDI/MDIX to remove the need for cross over cables. Each product interoperates seamlessly with the customer's existing network at wire speed without any additional configuration, and it is easy to diagnose and monitor the operational status and activity using the per-port diagnostic LEDs.High-Performing Gigabit SwitchingLG-Ericsson iPECS ES-1000G Gigabit Ethernet Switches can transmit and receive traffic seamlessly in full-duplex mode and at non-blocking wire speed performance. Each port supports seamlessly up to 2Gbps of bandwidth for transmitting and receiving packets in full-duplex mode. In addition, each port supports auto uplink capabilities making it straightforward to design the ES-1000G Switches into your existing network.Industry Standards CompatibilityLG-Ericsson iPECS ES-1000G Gigabit Ethernet Switches are compatible with industry standards such as IEEE 802.3, 802.3u, 802.3ab, 802.3x. These switches can be seamlessly built into the customers' existing networks and deliver the highly reliable performance needed to support SMB IT networks.Embedded Simple QoSIn addition to the industry standards switch features, LG-Ericsson iPECS ES-1000G Switches incorporate simple QoS mechanisms based on 802.1p tagging and IP TOS. These mechanisms use priority queues, permitting the customer's network to deal with VoIP traffic effectively using a higher priority. These switches are optimized for small offices to setup a simple VoIP network with a minimum investment and fully take advantage of the benefits of IP Telephony. 802.1p tagging and IP TOS based QoS are pre-configured at the factory based on industry standard values.Environmentally-Friendly DesignIn today's world, it is critical to build an environmentally-friendly network. Even though the LG-Ericsson ES-1000G Gigabit Ethernet Switches are entry-level unmanaged switches, they support the industry standard EEE (Energy Efficient Ethernet) technology. EEE offers significant efficiency savings for SMB networks.
Networking Deals

Newegg Coupons
CycleTEK Momentum 1 Fluid Trainer $189.99 @ performance bike
Added on : Monday March 17th 2014 08:00:03 AM
g: 0 Posted By: tedhawkins
Views: 69 Replies: 2 CycleTEK Momentum 1 Fluid Trainer $189.99 @ performance bike

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

Achieve and maintain a top level of fitness with the Momentum 1 Indoor Cycling Trainer from CycleTEK. This high-performance resistance unit features unrivaled technology for incredibly smooth, quiet and stable resistance. It provides measurable, repeatable workload using a silicone-filled resistance chamber and the heaviest flywheel (7lbs) of any trainer in the industry. What you'll experience is a road-like feel that's extremely fluid and realistic. Quick-release mechanism is easy to use and secures your bike to the trainer. Robust frame design offers six points of contact and hexagonal footpads adjust for uneven floors. Folds up easily, so you can store it or transport it to your next race. The Momentum 1 sets the new standard for performance, precision and power.
Thermodynamically neutral silicone filled resistance unit (with secure seal technology) offers smooth, quiet, stable resistance
Unique 2-stage folding frame design folds easily for storage or transport
6 points of floor contact with adjustable hexagonal foot pads for uneven floors
Power Calibrated with CycleTEK Watt Computer for accurate power readings
Easy-to use quick-release bicycle attachment mechanism
60mm roller is the largest in the industry
7lb flywheel is the largest in the industry
Black matte powder coat finish is durable and sleek
Lifetime Warranty against leakage
Unconditional Lifetime Warranty
Bicycle Deals

Performance Bicycle Coupons
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?
Dental Insurance: Coordination of Benefits and Subrogation
Added on : Tuesday March 11th 2014 09:00:10 AM
g: 0 Posted By: EugeneV
Views: 141 Replies: 2 My wife and I both have dental plans at work. Our children are covered by both plans. Both plans follow Non-Duplication COB. This means that my wife's plan is primary sice her birthday comes before mine in the year (yep, the industry standard is that ridiculous), and my plan applies only when hers does not. Her plan has no out of network benefits, while mine does. However, her plan covers orthodontics for children at 50% with no lifetime maximum. My plan covers it in network at 100% with $50 deductible, but 2k lifetime maximum. Actually, this was the only reason I signed up for the plan to begin with, hoping to use up the 2k first, before her plan kicks in.

I called the plan to verify that it would pay in this situation, and I was told that no, as the secondary plan, they would not pay until annual or lifetime maximum under the primary plan is reached, and since it will never be reached, the secondary coverage will never kick in. This does not sound right to me, but assuming that this is correct, I asked what if I go to an orthodontist who is in network for my plan, but not in my wife's. In that case, I would have no benefits under the primary plan and would assume that the secondary would kick in? The rep told me that it would not, but I asked for the supervisor to double check. Then I was told that the orthodontist would still need to bill the primary, get a rejection for being out of network, and only then bill the secondary and forward the rejection to them. That's a lot of hassle.

Does the above sound right? Do I have the responsibility to establish this subrogation? Presently each plan is unaware of the other, and I have not yet had any reason to submit any claims to both.
Personal Finance Deals
OFFER OVER Free Kindle Book- How to Paint a Car in a Weekend
Added on : Tuesday March 11th 2014 07:00:13 AM
g: 5 Posted By: remick
Views: 1871 Replies: 3 http://www.amazon.com/How-Paint-Car-Weekend-business-ebook/dp/B0...

5.0 out of 5 stars (4 customer reviews)

Hello, in this e-book I will lay out the correct way to paint a vehicle, and at the end I will have a numerical sequence of the steps to follow to completion. I will explain some of the industry standards of how professional Paint shops operate, and the different Paints and Primers available at the local Paint Supply Shops around the country.

I will explain the type of equipment you will need, and the different stages of the painting process. I will also have an e-mail address where you can send questions. I will try to keep it simple, but there is a lot of information that you will need to complete the job. We assume that the bodywork and trim removal has already been done and the vehicle is clean and ready to go into the paint shop where ever you paint it.

I will explain the proper way to paint a vehicle using an HVLP Paint gun the most common type and explain the proper spray distance. This will get you well on your way to beginning a new self-satisfying Hobby or perhaps Career because there is a great need for Automotive Painters all over the world.

If you are interested in going to work in a Body Shop as a Paint Prepper that is someone who is learning like you, then you should go apply for a position at the least, 4 shops, 6, if theyre situated very close together. Apply 2 to 3 times a week, every week. I managed shops for many years and this will work. You will become friends with them and believe me you'll find a job, a smile and a positive attitude goes along way. Become an actor, and practice your positive attitude by smiling into a mirror. You should read Think and Grow Rich by Napoleon hill, very positive book to read to aid you in your job or career hunting.
Books & Magazines Deals
2% Balance Transfer Fees for Existing Cardmembers
Added on : Sunday March 09th 2014 11:00:09 AM
g: 0 Posted By: kay11
Views: 72 Replies: 0 I think this is my first new thread here.
Many of us carry a balance and do not want to open a new account just for a Balance Transfer and get dinged on credit score.

I have noticed many card issuers have gone beyond the proverbial 3% BT Fee (1 year or more)for existing cardmembers.
I am happy to notice that the whole industry is moving towards 2% or less. There is a chase for receivables.
From newpapers I read, CC Debt has gone from $975B to $622B. Big banks have seen pathetic loan growth, big dip down in receivables. All of this is an effort to prop it up.
Stocks have gone up a lot, but revenues are a struggle as people are not borrowing more.

Some of these might be targeted or just applied generally to all good standing accounts. If you have a low credit score you might not see them.
I will keep updating the list as I see good offers.

Bank of America World Mastercard - 2% Fee - 0% until Jun 2015 (15 Months)
Chase Freedom - 2% Fee - 0% until Jun 2015 (15 Months)
Capital One Venture- 2% Fee - 0% for 12 Months

Citi Dividend - No go, they would not match Chase or BofA offer.
US Bank, Discover IT, Barclays- 3% Fee
Credit Deals
Albertsons Owner to Buy Safeway for More than $9 Billion
Added on : Thursday March 06th 2014 05:00:08 PM
g: 1 Posted By: NoMoneyInMyWallet
Views: 72 Replies: 1 http://www.nbcnews.com/business/business-news/albertsons-owner-b...

http://www.cnbc.com/id/101464756

http://www.usatoday.com/story/money/business/2014/03/06/ceberus-...

http://www.baltimoresun.com/business/bal-safeway-sale-would-tran...
Discussion Deals
5/3rd Bank $150 offer
Added on : Thursday March 06th 2014 03:00:11 PM
g: 0 Posted By: derfderf1984
Views: 11 Replies: 0 5/3rd bank has the belowoffer link:
Special Offer:We'll give $150 to Stand Up To Cancer and $150 to you when you open a new checking account with direct deposit and make three online bill payments.

Member FDIC. Offer available to new consumer checking customers only, excluding Private Bank, opening an account by March 31, 2014. $50 minimum deposit required to open all accounts. New account, three online bill payments and direct deposit required within 90 days of account opening to obtain bonus. Bonus will be deposited into your new account within 6 weeks of completing requirements. Monthly fees and certain restrictions may apply. Fifth Third Enhanced Checking is an interest bearing checking account and all balances earn 0.05% Annual Percentage Yield (APY) in all markets. Fifth Third Preferred Checking is an interest bearing account and all balances earn 0.24% APY in IL, IN, KY, MI, OH, WV, 0.38% APY in FL and TN, 0.40% APY in MO, 0.46% APY in NC, 0.50% APY in GA, and 0.60% APY in PA. APY accurate as of 1/2/14. Rates may change after account opening. Fees may reduce earnings. One offer per account per household. Not valid with any other offer. The Curious Bank is a registered trademark of Fifth Third Bancorp. Stand Up To Cancer is a program of the Entertainment Industry Foundation, a 501(c)(3) charitable organization.



Deposits Deals
g: 2 Posted By: remick
Views: 217 Replies: 0 http://www.amazon.com/dp/B00D6ZU1NC

4.5 out of 5 stars (28 customer reviews)
Length: 518 pages

Michael E.S. Gayed clearly explains how this powerful combination of major schools of thought of market analysis can help investors dramatically improve their judgment on likely market performance and spot important trends, thereby making successful investment decisions.

Intermarket Analysis and Investing begins with an overview of investment analysis that examines types of risk and portfolio structuring. Then it moves on to the three prominent schools of thought in market analysis with discussions of:

1) Economic analysis, which is primarily concerned with the state of business, and anticipates phases of economic expansion and contraction by focusing on economic indicators
2) Fundamental analysis, the most widely followed and practiced form of analysis, it looks at the accounting and financial position of companies in an attempt to evaluate intrinsic worth and true stock value
3) Technical analysis or the market-timing school, practiced by "believers in the supremacy of trend analysis," and followers of the ticker tape, It is primarily concerned with the dynamics behind the fluctuation in the price of a stock

This book also examines the positive aspects and pitfalls to contrarian investing, top-down and bottom-up market approaches, comparative market analysis, and common-sense trend analysis.

By integrating economic, fundamental, and technical quantitative analysis into a sensible working framework, Intermarket Analysis and Investing exposes the inherent short-comings of relying too heavily or exclusively on any single approach. Each school of stock market analysis is thoroughly examined so that the reader can understand each approach and how it interacts with the others.

Part II stresses the economic by analyzing the most important aspects of the business cycle, the Fed's role in managing the balance of inflation and unemployment, and factors investors should watch to tame market risk and minimize loss during downtrends.

It is here that the importance of economic indicators is emphasized, with an in-depth discussion of the 11 leading indicators that monitor the economy and help the investor anticipate long-term business trends, the four coincident indicators that help verify the predictability of the leading indicators, and the lagging indicators that help spot emerging structural trends.

Part III discusses the use of fundamental analysis, which compares the growth and finances of different securities and industry groups. It shows how earnings, sales, book value, P/E multiples, leverage, liquidity, and/or profitability of companies are used to reveal the worth of a security as an investment. The commodities market and the effect of globalization of securities markets are also examined.

Part IV shows how quantitative market analysis aids active investors in determining the short-or immediate-term direction of stocks. Intermarket Analysis and Investing shows how to improve investment decisions by integrating the best features of fundamental analysis and some well-known market timing techniques described and illustrated in this section.

The final section of the book provides insightful investment strategies that are based on the intermarket relationships previously discussed. By integrating the methods described in detail in this book, investors stand a much better chance of profiting from market opportunities and of achieving their objectives.

Michael E. S. Gayed was a former senior market analyst at Merrill Lynch where he advised financial consultants on market trends, industry group perspectives, asset allocation, and investment strategies. Mr. Gayed frequently lectured on investment analysis and portfolio structuring at the New York Institute of Finance, Merrill Lynch Training School (Princeton), St. Johns University, New York University, and the University of Arkansas. During a New York Institute of Finance (September 1987) seminar, he forecasted the sharp October sell-off using the multidisciplinary approach explained in this book. Shortly after this, he authored Challenge of a Generation - Beyond the Crash of '87 which provided his analysis of the megatrends that he believed were likely to shape the global economy in the 1990's and beyond. He went on to form successful investment management companies. His son, Michael A. Gayed, wrote the foreword to the re-released 2nd edition of Intermarket Analysis and Investing, hoping to honor him and carry on his name in his memory.

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

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

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

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

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

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

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

What is Your Return on Investment (ROI) in Prospect & Flourish?
Indeed, the return on your investment is fairly simple to calculate. While guarantees in many professional industries are difficult to extend, I guarantee this: if you adopt just a few approaches that you will learn throughout this book, you WILL see results.
If what you learn enables you to create at least one new client relationship, your investment has just paid for itself many times over.
Further: Look beyond your first paycheck for that single new client or job. What do you think will be the lifetime value of that one relationship? How much might you earn through serving that single entity over the lifetime of your career?
The payback on your investment grows exponentially.
Totally Free Deals
Free Ebooks 3-4-14
Added on : Tuesday March 04th 2014 05:00:16 AM
g: 0 Posted By: jhall1822
Views: 134 Replies: 0 Note: I did not find these books myself, they are from FreeEbooksToday.com

25 Days to an Organized Home Challenge: Revolutionize Your Life and Gain More Time
Rating - 4.5 (2reviews)

Join our 25 Days to an Organize Home Challenge, where you will learn the process for creating and maintaining your household organizational systems. Learn everyday tips and tricks for keeping your home organized, and create a stress-free, peaceful environment!

Green Cleaning: Natural Cleaning Tips for the Eco-Friendly
Rating - 4.5 (2 reviews)

Within the book, you'll learn about how to tell if products are truly natural or if they just say they are. You'll also learn how going green can affect those around you in all kinds of ways. See below for some more specifics you'll find within the pages:
How to stay green when it comes to landscaping
A simple way to make your own air freshener that can be used anywhere
Tools that can be used to stay eco-friendly
How to start with small changes and do more over time
How green cleaning can actually improve your health

Stunning Portrait Photography - Posing and Lighting! (On Target Photo Training)
Rating - 4.6 (144 reviews)

Stunning Portrait Photography - Posing and Lighting is everything you need to know to COMPLETELY master portrait photography!PLUS it is easy to read - easy to understand and so well illustrated that even the greenest of rookies will understand!Here are the Table Of Contents. Look at everything that is covered!Introduction
Arms - Elongating And Foreshortening
The Plane!
The 4 Positions Of The Upper Arm
The Forearm "Trap!"
The Hand - Bold and Tapered Poses
Bold Hand Poses - Masculine
Tapered Hand Poses - Feminine
Eleven Ways To Pose The Hands!
Use A Prop
On The Chin
At The Lapel Or Neckline
On The Hip
On The Opposite Arm
On Top Of - Or Behind - The Head
At The Waistline
In The Pocket
At The Side
On The Lap Or The Knee
Leaning On An Object
The Head And Shoulders Portrait
Positioning The Head
Full Face
Profile
Three Quarter Head
Directing The Model
The Horizontal Turn
Vertical Lift Or Drop
Diagonal Tilt
Correcting Facial Flaws With Head Position
Photographing The Face
Moveable Parts
The Pupil
4 Ways To Avoid Squinting And Closed Eyes
Shoot With The Light At The Subject's Back
Shoot Later In The Day
1 - 2 - 3!
Bounce Or Diffuse Your Flash
The Mouth
Emotions
Happiness
Anger
Sorrow
Fear
Lighting The Portrait
The Shadow In Portrait Photography
The "Short Light" And The "Broad Light" Patterns
The "Split Light"
The "Loop Lighting" Pattern
The "Rembrandt Light"
The "Butterfly Light" Pattern
The "Fill Light"!
The "Lighting Ratios"
The "Background Light"
The "Hair Light"
The "Accent Light"
The "Three Light Set" Using One Light!
Eliminate The Dreaded "Red Eye!"
The "Photographic Ground Modification System"
Additional Photo Training

Finally Fix Your Credit: An Insider's Secrets to Getting the Credit Score You Need
Rating - 5 (7 reviews)The three authors of this book had one goal for writing this book. They want you to FINALLY fix your credit. You will learn the basics of the credit reporting industry. Then they want to tell you an easy to execute plan on how to fix your credit. The authors have decades of experience fixing credit and helping people live the life they desire that requires great credit.This is the most up to date information available. When deciding which book to purchase, consider the publication date. The industry has significantly changed in the last few years, why use a plan from 2010?This information is current as of 2014.Here are the Benefits found in this book:
-Finally fix your credit!
-Give you simple templates so you can send effective dispute letters.
-Show you new techniques used by credit pros in 2014 Now you are the pro!
-Educate you on the credit industry.
-This book is concise. We want to tell you want you need to fix your credit. We wanted to do this in about 100 pages. Anything else would be fluff you dont need and waste your time.
Totally Free Deals
g: 4 Posted By: remick
Views: 995 Replies: 0 http://www.amazon.com/Diet-Industry-Lies-That-Weight-ebook/dp/B0...

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

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

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

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

This book gives an alternative view to starving, frustrated and depressed dieters who have allowed the Diet Industry to hold them responsible for gaining and re-gaining weight. Stop, blaming yourself because of your inability to maintain weight loss. Learn the key to release yourself from your self-imposed diet prison!
Totally Free Deals
g: 2 Posted By: remick
Views: 1068 Replies: 3 http://www.amazon.com/dp/B00BFG8YQK

5.0 out of 5 stars (20 customer reviews)

Break into the fashion modeling indutry without spending a fortune on bogus modeling agencies and professional photography!!
The Model's Bible + Global Modeling Agency Contact List, was written by international supermodel R.C. Lane, and is a straight forward fashion industry insiders guide on how to break into the modeling industry and succeed in creating a lucrative career as a professional working model in the fashion industry.

Develop a strategic plan to get signed!
The Models Bible + Global Modeling Agency Contact List, will help you develop a strategic plan to get signed with a modeling agency or commercial agency and begin working in as little time as possible. Everything you need to know as a professional working model is covered in great detail drawing from firsthand experience of over a decade of working with professional photographers and top clients in the fashion capitals of the world including NYC, Paris, Milan, London, and many more.

Learn how the pro's globally submit themselves to top modeling agencies for consideration no matter where they are located using a simple digital camera.

Gain access to the highly sought after, Global Modeling Agencies Contact List and get contact information to legitimate agencies in every viable fashion modeling market around the globe including top modeling agencies in NYC, Paris, Milan, Berlin, Los Angeles, London, Cape Town, Sydney and many many more!

Learn the techniques professional fashion models use on big budget modeling sets to create bullet proof confidence and make the job look easy!

Know how to spot a scam from a mile away and avoid the mistakes many new fashion models make that can be damaging to a modeling career.

Determine which market you have the most potential for working in among the many available segments of the modeling industry around the world including high fashion modeling, commercial modeling, fitness modeling, runway modeling, plus size or child and baby modeling.

Everything you need to know about commissions, day rates, and modeling contracts in order to get the best possible deals and keep the most money in your pocket.

Gain an exclusive backstage perspective on Fashion Week in NYC, Milano, and Paris and step by step instruction on what it takes to strut the runways like a seasoned pro.

What other readers are saying!:
"The Model Bible" by R.C Lane was indeed informative at explaining the ins and outs of the model industry. Another cool thing about the book is that at the end of the book there are actual addresses to model management companies all over the world." -Danielle Benji

"Anyone planning to start a career as a model, having their child enter the field, or just curious about the life of a model, would benefit by reading this." -James Liston

"The list of contact information for over one hundred modeling agencies around the world is worth the price of the book." -Frank Coopa

About the Author:
Author of The Model's Bible, R.C. Lane, has worked with the biggest clients and agencies in the fashion industry including Lancme, Maybelline, Calvin Klein, Guess Jeans, Armani, Vogue Magazine, and Harper's Bazaar to name a few. He has been featured in hundreds of campaigns, commercials, and magazines over a career spanning more than fifteen years as a working top model.
Books & Magazines Deals
Free Kindle Book- How to Paint a Car in a Weekend
Added on : Saturday March 01st 2014 11:00:08 AM
g: 0 Posted By: remick
Views: 183 Replies: 0 http://www.amazon.com/How-Paint-Car-Weekend-business-ebook/dp/B0...

5.0 out of 5 stars (4 customer reviews)

Hello, in this e-book I will lay out the correct way to paint a vehicle, and at the end I will have a numerical sequence of the steps to follow to completion. I will explain some of the industry standards of how professional Paint shops operate, and the different Paints and Primers available at the local Paint Supply Shops around the country.

I will explain the type of equipment you will need, and the different stages of the painting process. I will also have an e-mail address where you can send questions. I will try to keep it simple, but there is a lot of information that you will need to complete the job. We assume that the bodywork and trim removal has already been done and the vehicle is clean and ready to go into the paint shop where ever you paint it.

I will explain the proper way to paint a vehicle using an HVLP Paint gun the most common type and explain the proper spray distance. This will get you well on your way to beginning a new self-satisfying Hobby or perhaps Career because there is a great need for Automotive Painters all over the world.

If you are interested in going to work in a Body Shop as a Paint Prepper that is someone who is learning like you, then you should go apply for a position at the least, 4 shops, 6, if theyre situated very close together. Apply 2 to 3 times a week, every week. I managed shops for many years and this will work. You will become friends with them and believe me you'll find a job, a smile and a positive attitude goes along way. Become an actor, and practice your positive attitude by smiling into a mirror. You should read Think and Grow Rich by Napoleon hill, very positive book to read to aid you in your job or career hunting.
Books & Magazines Deals
g: 1 Posted By: remick
Views: 231 Replies: 0 http://www.amazon.com/dp/B00BFG8YQK

5.0 out of 5 stars (20 customer reviews)

Break into the fashion modeling indutry without spending a fortune on bogus modeling agencies and professional photography!!
The Model's Bible + Global Modeling Agency Contact List, was written by international supermodel R.C. Lane, and is a straight forward fashion industry insiders guide on how to break into the modeling industry and succeed in creating a lucrative career as a professional working model in the fashion industry.

Develop a strategic plan to get signed!
The Models Bible + Global Modeling Agency Contact List, will help you develop a strategic plan to get signed with a modeling agency or commercial agency and begin working in as little time as possible. Everything you need to know as a professional working model is covered in great detail drawing from firsthand experience of over a decade of working with professional photographers and top clients in the fashion capitals of the world including NYC, Paris, Milan, London, and many more.

Learn how the pro's globally submit themselves to top modeling agencies for consideration no matter where they are located using a simple digital camera.

Gain access to the highly sought after, Global Modeling Agencies Contact List and get contact information to legitimate agencies in every viable fashion modeling market around the globe including top modeling agencies in NYC, Paris, Milan, Berlin, Los Angeles, London, Cape Town, Sydney and many many more!

Learn the techniques professional fashion models use on big budget modeling sets to create bullet proof confidence and make the job look easy!

Know how to spot a scam from a mile away and avoid the mistakes many new fashion models make that can be damaging to a modeling career.

Determine which market you have the most potential for working in among the many available segments of the modeling industry around the world including high fashion modeling, commercial modeling, fitness modeling, runway modeling, plus size or child and baby modeling.

Everything you need to know about commissions, day rates, and modeling contracts in order to get the best possible deals and keep the most money in your pocket.

Gain an exclusive backstage perspective on Fashion Week in NYC, Milano, and Paris and step by step instruction on what it takes to strut the runways like a seasoned pro.

What other readers are saying!:
"The Model Bible" by R.C Lane was indeed informative at explaining the ins and outs of the model industry. Another cool thing about the book is that at the end of the book there are actual addresses to model management companies all over the world." -Danielle Benji

"Anyone planning to start a career as a model, having their child enter the field, or just curious about the life of a model, would benefit by reading this." -James Liston

"The list of contact information for over one hundred modeling agencies around the world is worth the price of the book." -Frank Coopa

About the Author:
Author of The Model's Bible, R.C. Lane, has worked with the biggest clients and agencies in the fashion industry including Lancme, Maybelline, Calvin Klein, Guess Jeans, Armani, Vogue Magazine, and Harper's Bazaar to name a few. He has been featured in hundreds of campaigns, commercials, and magazines over a career spanning more than fifteen years as a working top model.
Books & Magazines Deals
g: 0 Posted By: remick
Views: 15 Replies: 0 http://www.amazon.com/How-Paint-Car-Weekend-business-ebook/dp/B0...

5.0 out of 5 stars (4 customer reviews)

Hello, in this e-book I will lay out the correct way to paint a vehicle, and at the end I will have a numerical sequence of the steps to follow to completion. I will explain some of the industry standards of how professional Paint shops operate, and the different Paints and Primers available at the local Paint Supply Shops around the country.

I will explain the type of equipment you will need, and the different stages of the painting process. I will also have an e-mail address where you can send questions. I will try to keep it simple, but there is a lot of information that you will need to complete the job. We assume that the bodywork and trim removal has already been done and the vehicle is clean and ready to go into the paint shop where ever you paint it.

I will explain the proper way to paint a vehicle using an HVLP Paint gun the most common type and explain the proper spray distance. This will get you well on your way to beginning a new self-satisfying Hobby or perhaps Career because there is a great need for Automotive Painters all over the world.

If you are interested in going to work in a Body Shop as a Paint Prepper that is someone who is learning like you, then you should go apply for a position at the least, 4 shops, 6, if theyre situated very close together. Apply 2 to 3 times a week, every week. I managed shops for many years and this will work. You will become friends with them and believe me you'll find a job, a smile and a positive attitude goes along way. Become an actor, and practice your positive attitude by smiling into a mirror. You should read Think and Grow Rich by Napoleon hill, very positive book to read to aid you in your job or career hunting.
g: 0 Posted By: remick
Views: 0 Replies: 0 http://www.amazon.com/Diet-Industry-Lies-That-Weight-ebook/dp/B0...

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

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

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

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

This book gives an alternative view to starving, frustrated and depressed dieters who have allowed the Diet Industry to hold them responsible for gaining and re-gaining weight. Stop, blaming yourself because of your inability to maintain weight loss. Learn the key to release yourself from your self-imposed diet prison!
Q: re: mortgage service transfer and account age
Added on : Tuesday February 25th 2014 08:00:10 AM
g: 0 Posted By: moneypyts
Views: 98 Replies: 0 I have a mortgage that originated in July, 2005. In July 2012 the loan servicer, Aurora Bank, was purchased by Nationstar, and I made subsequent payments to Nationstar rather than Aurora.
http://www.denverpost.com/ci_21006961/aurora-loan-services-begin...
https://www.moodys.com/research/Moodys-Servicing-transfer-to-Nat...

Initially, Nationstar reported the "date opened" as July 2005, but in Jan, 2014 they changed their reporting to all 3 credit bureaus and reported the "date opened" as July 2012. This erased 6 years of credit history from my reports. It seems to me that there is no justification for this, as Nationstar purchased the assets of Aurora, which included my loan, but in no way did their transaction affect the loan itself. (edited)

Does anyone know if there is an "industry standard" for loans transferring? Other loans I've had in the past always reported the original "date opened" after transferring.

And, when I call Nationstar to ask if they can re-age the account, what department do I ask for?

Thanks for any help or suggestions,
MP
Personal Finance Deals
g: 0 Posted By: remick
Views: 157 Replies: 0 http://www.amazon.com/gp/product/B00HR9X13U

"Its our thesis that privacy will be an integral part
of the next wave in the technology revolution and that innovators who are
emphasizing privacy as an integral part of the product life cycle are on the
right track." --The authors of The Privacy Engineer's Manifesto

The Privacy Engineer's Manifesto: Getting from Policy to
Code to QA to Value is the first book of its kind, offering industry-proven
solutions that go beyond mere theory and adding lucid perspectives on the
challenges and opportunities raised with the emerging personal information economy.

The authors, a uniquely skilled team of longtime industry
experts, detail how you can build privacy into products, processes,
applications, and systems. The book
offers insight on translating the guiding light of OECD Privacy Guidelines, the
Fair Information Practice Principles (FIPPs), Generally Accepted Privacy
Principles (GAPP) and Privacy by Design (PbD) into concrete concepts that
organizations, software/hardware engineers, and system administrators/owners can
understand and apply throughout the product or process life cycleregardless of
development methodologyfrom inception to retirement, including data deletion
and destruction.

In addition to providing practical methods to applying privacy
engineering methodologies, the authors detail how to prepare and
organize an enterprise or organization to support and manage products, process,
systems, and applications that require personal information. The authors also address how to
think about and assign value to the personal information assets being
protected. Finally, the team of experts offers thoughts about the information revolution that has only just begun, and how we
can live in a world of sensors and trillions of data points without losing our
ethics or value(s).... and even have a little fun.

The Privacy Engineer's Manifesto is designed to serve
multiple stakeholders: Anyone who is involved in designing, developing,
deploying and reviewing products, processes, applications, and systems that
process personal information, including software/hardware engineers, technical
program and product managers, support and sales engineers, system integrators,
IT professionals, lawyers, and information privacy and security professionals. This book is a must-read for
all practitioners in the personal information economy.

Privacy will be an integral part of the next wave in the
technology revolution; innovators who emphasize privacy as an integral
part of the product life cycle are on the right track.
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g: 0 Posted By: patofw
Views: 0 Replies: 0 product link

*disk-less

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(Kindle) Life on Two Legs (Founding Manager of Queen)
Added on : Saturday February 22nd 2014 08:00:04 AM
g: 0 Posted By: BennyZz
Views: 76 Replies: 0 www.amazon.com/Life-Two-Legs-Record-Straight/dp/0957513313/ref=s...

Norman Sheffield, founder of Trident Studios, London and founding Manager of Queen, breaks his silence for the first time in forty years in an autobiography about what really went on behind closed doors.

http://www.amazon.com/Life-Two-Legs-Record-Straight/dp/095751331...

Recording some of the biggest selling songs of all time such as "Hey Jude"-The Beatles, "Space Oddity"-David Bowie, "Candle in the Wind"-Elton John and many others, Trident was at the epicentre of the music industry's biggest names but it was one band in particular that caught the eye of the ex-drummer a four piece unknown band called Smile. That band, under Sheffield's management, went on to become one of the biggest selling artists in the world that band was Queen. It was a tumultuous relationship filled with twists, turns, trials and tribulations, scandal and rumour and one that ultimately led to an acrimonious split. Queen's volatile leader Freddie Mercury famously dedicating the opening track on their Night of the Opera album to Norman: Death on Two Legs.

With original unseen photography and copies of the original 1972 Queen Contracts this book shines a light on a time that could never exist in today's society, a place in rock and roll history that - in Freddie Mercury's own words - was guaranteed to blow your mind.

Funny, fascinating and occasionally irreverent and with a foreword by Sir Paul McCartney this is an unmissable memoir that brings to vivid life some of rocks greatest characters.
Books & Magazines Deals
Plight of the overeducated, starving scientist. Advice?
Added on : Thursday February 20th 2014 02:00:10 AM
g: 0 Posted By: Rommie2k6
Views: 117 Replies: 4 First, I would like to share my experience as an overeducated, starving scientist, and then I hope to solicit some feedback and advice from fellow FWF readers (who I assume have some level of financial literacy) on how to get out of this hole that I have dug myself into.

Foremost, let's examine on why people pursue a graduate or professional degree after getting the basic Bachelors, so we're talking PhD, MBA, PharmD, MD, etc... The high minded bullshit aside (I want to save lives, it's intellectual challenging, etc...), it's all for money. Generally, the higher your education level, the higher your salary. Most people with professional degrees easily hit $100k/yr shortly after graduation and peak at $200k-500k/yr depending on your profession.

All except me. I'm an overeducated (PhD), starving scientist, working at the interface of chemistry and biology, which is unfortunately overcrowded. I did NOT know this until I was 3 years into my degree, that I had joined an overcrowded field, where supply is way more than demand. In about a year, I'm going to graduate, and I feel royally screwed.

Here's the hole that I have dug myself into. For the past 4 years of my life, I have been preparing myself for a career in the ivory tower, i.e. professor. To be honest, a professor's salary ain't too bad, most of them earn >$100k/yr. The problem is:
a) Intense competition to get a professor position that pays well (we're talking about tenure-track positions at R1/R2 institutions for those who know the lingo, not instructor positions, not teaching positions and definitely not adjunct). In today's world, I'd say you have a 10% chance of getting it.
b) Extremely long times of temporary underpaid "holding pattern" positions between graduation and landing that coveted professor position, also known as postdoc positions. As a grad student, I earn $25k. As a postdoc I earn $40-50k. In comparison, a tech with only a bachelor degree doing "grunt work" in industry gets $50k/yr. Hell, I bet most blue collar jobs earn as much or more than I do!!! In my field, it is the norm that fresh PhD graduates do not get hired as professors. Instead, they spend 5 to 7 years postdoc-ing to get more scientific publications and just hang around until they get a job. To illustrate this problem, I know of a rising superstar in my field, he spent 17 years as a student and postdoc before he finally landed a position at a R1 institution.
c) Combining (a) and (b) together, I am taking a tremendous financial hit to my earnings and retirement. I have run "salary projections" on hypothetical scenario of academic vs industry jobs, based on what information I could gather from sources like glassdoor. I won't bog down with details, but I'll highlight two scenarios:
- For a career in industry that is equally successful (in terms of salary growth) as academia, the industry path will have AT LEAST $1 million more at retirement, which is equivalent to about $300k in today's dollars. The number is conservative, I've only used base salary for these calculations, and not bonuses which are common industry but not in the academy.
- A successful academic career (no more than 5 years postdoc, no more than 10 years for promotion to full professor) will yield the same amount of money at retirement as an industry career that is mediocre (never hitting $100k/yr, some unemployment years).
If these highlights startle you, yes I was dumbfounded as well. Numbers don't lie. The reason for the huge discrepancy comes from the first 5-10 years after graduation. A high paying industry job from the start allows one to save more, and magic of compounding interest works in your favor. Not so, if you are an academic.

Now, here is the REAL kicker. I am GOOD at doing what professors do. Going by metrics like number and quality of papers published (which is how academics are evaluated), I am one of the best students to come out from the lab, I'll say top 10% to give it a number. I've got awards/fellowships that are extremely prestigious (less than 10% success rate). For all my success and good performance, what I am getting in return? NOTHING! If I stick onto the academic path, I'm salary capped below $50k for the next 5 years, regardless of how well I do, and it's unlikely I won't hit a six figure salary until 10 years after I graduate. When I compare myself to others with professional degree, PharmD, PhD in engineering, etc..., those careers make $100k almost immediately after graduation. For those who are not in the ivory tower, I'm sure this comes off as puzzling. I've read a number of finance/career blogs on how to present yourself to get raises and stuff, and it is truly another world inside the ivory tower. There is this perverse culture in the ivory tower that we all do science because we love it and not for money. Yes, I love my work, but screw it if I am not going to see tangible returns anytime soon. The anti-money culture in my opinion is religious and cult-like within the academic world, and it's really frustrating because unlike other clueless PhDs, I am financially aware of the price I am paying.

So why not go to industry then? After all, I have been doing salary comparisons between industry and academic jobs haven't I? That's tricky, here are the considerations:
- From what I have figured, preparing for an industry career is very frequently at odds with preparing for an academic career. I have to chose. Industry values skills, academe values accomplishments and papers. To give an example, let's say that I invented a new cool method to do some sciency stuff. The smart academic will basically milk this method for all its worth and publish a gazillion papers out of it. But that would mean that I have specialized in only 1 thing for the last 5 years, and unless it so happens to fit into the needs of an industry position, that ain't going to cut it. To maximize odds of getting an industry job, one would need to have diverse set of skills with some level of depth, but that would translate to less papers, since the time spent learning new and diverse skills is time taken away from using those skills to get results and publish more papers.
- A likely scenario is that I may not get any industry job offers. What do I do then? Do a postdoc, bide my time and retool/reinvent myself as the industry guy? That's a sound plan, BUT the longer I do a postdoc, the more it makes sense to go into the academic route, especially since I am already doing so well as an academic. Remember that the source of the huge financial differences comes from the first 5 years after graduation. If I can't get an industry job immediately after graduation, and spend the next 3 or so years retooling and rebranding myself for industry and finally get a job in my 4th year after graduation, the salary numbers will look pretty similar as the academic path. Sure industry salary may be a bit higher, but the fact is that 4 years of underpaid postdoc has already happened and the damage is done.

I'm going to stop here now. I'd really appreciate comments and advice from the board. Even if you are not in this field, an outside perspective is going to be a refreshing change.

Lastly, as bit of service to the FWF community, if you know of any young idealistic punk who wants to pursue a PhD in Chemistry/Biology, tell them to run salary projections on possible career path. Honestly, I wish I did it in my first year. If I had, I would have developed myself for an industry position from day 1. But as of now, I'm way deep into the academic hole, and I can't really see any easy way out.

Question Deals
Windows Embedded 8.1 Industry Pro - free for students at dreamspark
Added on : Tuesday February 18th 2014 04:00:05 PM
g: 0 Posted By: kzi103
Views: 310 Replies: 2 if you are student you can get
Windows Embedded 8.1 Industry Pro
@
https://www.dreamspark.com/
absolutely free!!! You download it for free and getting the activation key for free.
Windows Embedded based onWindows Enterprise and it s the same build [9600] and it s even better than windows professional. I use it as an OC for my desktop PC.

To getWindows Embedded 8.1 Industry Pro you need to register @dreamspark.com. To do it you need [.edu] mail account.
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Amazon Free App of the Day - eWallet for Android (was $9.99)
Added on : Tuesday February 18th 2014 05:00:23 AM
g: 0 Posted By: remick
Views: 72 Replies: 0 http://www.amazon.com/gp/product/B006UW4OB8

4.4 out of 5 stars (45 customer reviews)
#1 in Appstore for Android > Productivity

Don't take risks with your passwords, account info, card numbers, or IDs. Keep them protected, secure, and easy to access in eWallet. Your passwords are very important - just think about it. All your money, your bank accounts, financial info, health info, credit cards, insurance, and everything else you need to keep private is protected by passwords. They're not just for email, Facebook and Twitter.

So when you're looking for a password manager, pick one you can trust.

eWallet, from Ilium Software, has been trusted by mobile users for over 16 years. With more than half a million users, in-house email support, and dozens of major industry awards, eWallet is your best - and safest - choice for your confidential information.

eWallet protects your information completely, with:
+ Secure storage for passwords, usernames, PINs
+ Strong 256-bit AES encryption
+ Secure storage for bank and credit card info
+ Time-out locks to keep your info safe
+ Live URLs that launch the websites you know, without the dangers of phishing emails or typing errors taking you elsewhere
+ An automatic password generator to create strong, secure passwords
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g: 16 Posted By: remick
Views: 2347 Replies: 4 http://www.amazon.com/Skeleton-Atlas-Visual-Reference-Human-eboo...

This photo book provides a visual overview of the human skeleton (including a multitude of fractures) through 204 unique and stunningly realistic visuals.
By using the same advanced 3D-software as used in the Visual effects movie industry, it was possible to recreate all the facets of the human skeleton. All images have been created with accurate 3D models based on actual scanned human data.
Special attention has been given to fractures, since this is a subject commonly searched for.
Skeleton Atlas is targeted towards medical professionals and everybody with an interest in human anatomy.

This book is categorized in chapters, where each chapter represents a specific part of the human adult skeleton. Each chapter contains:
-Multiple overviews with detailed naming of the bones (in both english and latin).
-Detailed close-ups.
-Fracture-related images with clear naming of each fracture.


Totally Free Deals
Free Kindle Book- Skeleton Atlas: A Visual Reference Of The Human Skeleton
Added on : Wednesday February 12th 2014 06:00:11 AM
g: 1 Posted By: remick
Views: 155 Replies: 0 http://www.amazon.com/Skeleton-Atlas-Visual-Reference-Human-eboo...

This photo book provides a visual overview of the human skeleton (including a multitude of fractures) through 204 unique and stunningly realistic visuals.
By using the same advanced 3D-software as used in the Visual effects movie industry, it was possible to recreate all the facets of the human skeleton. All images have been created with accurate 3D models based on actual scanned human data.
Special attention has been given to fractures, since this is a subject commonly searched for.
Skeleton Atlas is targeted towards medical professionals and everybody with an interest in human anatomy.

This book is categorized in chapters, where each chapter represents a specific part of the human adult skeleton. Each chapter contains:
-Multiple overviews with detailed naming of the bones (in both english and latin).
-Detailed close-ups.
-Fracture-related images with clear naming of each fracture.


Totally Free Deals
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
g: 2 Posted By: remick
Views: 307 Replies: 0 http://www.amazon.com/dp/B00CISVM18

4.8 out of 5 stars (12 customer reviews)

A middle finger to everything that is wrong with the fitness industry today, Armored Core unapologetically marches to the beat of a different drum, with a no nonsense yet uncommon approach to building a brutally strong midsection, containing the most effective underground core strength techniques that exist.

This book tackles the incredibly misunderstood topic of core training and attacks the rubbish that the media churns out on the subject, in hopes of teaching you that a combination of old-school hardcore training methods and some newer cutting edge techniques is the most effective way of developing a ruthless core that helps the body act as a strong, powerful and healthy unit that hits hard on any field of play.



Aso free at the time of posting:

4-Week Bodyweight Home Workout (Workout Series)
http://www.amazon.com/4-Week-Bodyweight-Home-Workout-Series-eboo...

The 30 Day Abs Challenge (Workout Program)
http://www.amazon.com/The-Day-Challenge-Workout-Program-ebook/dp...

What About Supplements?: How and When to Use Supplementation to Maximize Your Health and Fitness Results
http://www.amazon.com/What-About-Supplements-Supplementation-Max...

22 Kick-A$$ Kettlebell Exercises: Get Fit, Lose Inches, and Have Fun
http://www.amazon.com/22-Kick--Kettlebell-Exercises-Inches-ebook...




Books & Magazines Deals
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g: 0 Posted By: remick
Views: 0 Replies: 0 http://www.amazon.com/dp/B00CISVM18

4.8 out of 5 stars (12 customer reviews)

A middle finger to everything that is wrong with the fitness industry today, Armored Core unapologetically marches to the beat of a different drum, with a no nonsense yet uncommon approach to building a brutally strong midsection, containing the most effective underground core strength techniques that exist.

This book tackles the incredibly misunderstood topic of core training and attacks the rubbish that the media churns out on the subject, in hopes of teaching you that a combination of old-school hardcore training methods and some newer cutting edge techniques is the most effective way of developing a ruthless core that helps the body act as a strong, powerful and healthy unit that hits hard on any field of play.



Aso free at the time of posting:

4-Week Bodyweight Home Workout (Workout Series)
http://www.amazon.com/4-Week-Bodyweight-Home-Workout-Series-eboo...

The 30 Day Abs Challenge (Workout Program)
http://www.amazon.com/The-Day-Challenge-Workout-Program-ebook/dp...


g: -1 Posted By: tedhawkins
Views: 81 Replies: 1 50% OFF Garlic Press Stainless Steel - Get Perfectly Minced Garlic $13.49 FS Prime

http://www.amazon.com/Garlic-Press-Stainless-Steel-Miscellany/dp...

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g: 0 Posted By: maca
Views: 36 Replies: 0 Hi Everyone,

I'm currently in a dilemma and I just want to see what others thought out there. I had a case of bad timing where I had verbally accepted an offer from a company thinking that my top choice didn't want me due to them not getting back to me in a short timeframe. As it turns out they were still interested and so I continued to talk to them and emphasized to them that I had already accepted a competing offer and that if they really want me, they need to make their decision quick before I join the first company. (I did not tell the first company since I had already given notice to my current job at the time and I can't afford to be without a job if the 2nd company ends up not extending an offer.) Unfortunately, the 2nd company wasn't able to move faster enough in their decision and am now just starting to put together an offer after I have already worked 2 weeks. Now, I'm not sure what to do. The 2nd company was my top choice and if I had gotten the offer at the same time, I would definitely take the 2nd one. I'm worried about what this might do to my reputation if I were to just leave in such a short period of time especially since I'm in management and so a lot of things are about trust. This is in the technology sector, if that matters. Company #1 is large, stable, and well-known in it's industry. Company #2 is gigantic and has a reputation all over the world.
Wacom Cintiq 22HD Interactive Pen Display - $2111.94
Added on : Friday January 31st 2014 09:00:15 AM
This tablet and digital pen combo combines a 21.5" HD, wide-format LCD with industry-leading pen operations to give you maximum creative freedom.
g: 0 Posted By: pbmc
Views: 132 Replies: 0 Edgewater Sterling Silver Amethyst Leverback Earrings $19.99 - from WOOT!

Was 99.00 - - 80% of list price.

http://accessories.woot.com/offers/ss-amethyst-leverback-earrings?

Sterling silver, genuine amethyst, leverback earrings

Genuine round 7mmamethyst, 2.50 ct TGW
Made in China
Rhodium color plating

In Stock.
Ships in 3-5 business days
Shipping Note: Eligible for shipping to all 50 states
Limit 3 sets per customer
Warranty: 90 Day Woot Limited Warranty

Their web site had this blurb...which just cracked me up.
"Valentine's Day is a holiday manufactured by the retail industry to get you to spend money to prove your love for another individual. Yes, everyone knows it's bogus. But you're still going to be in the dog house if Shirley from accounting gets something good and your little love muffin doesn't."
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woot! Coupons
g: 0 Posted By: heyyl0w
Views: 101 Replies: 0 Newegg has the Seagate Hybrid Drive 2TB MLC/8GB 64MB Cache SATA 6Gb/s NCQ 3.5" Desktop SSHD (ST2000DX001) for $110 after coupon code "EMCPWHF22" is applied at checkout. Shipping is free.

Solid state speed for fast, responsive system performance
Innovative use of solid state memory delivers affordable performance and capacity
NAND Flash and HDD technology
3-year limited warranty

Not the cheapest it's ever been, but definitely the cheapest you'll find it right now.

Positive reviews at Newegg and here at Amazon (where it is currently $128)

"The Seagate Desktop SSHD combines a high capacity hard drive and 8GB of solid-state MLC flash to add SSD like performance to any desktop. The Desktop SSHD boots and launches applications within seconds of a solid state drive, but is more cost efficient because the combined technology leverages the cost efficiency of a hard disk drive. Adaptive Memory technology intelligently monitors the frequently used files and stores them in the solid state memory for blazing fast recall. The SATA 6Gb/s NCQ interface with 64 MB cache enables the use of the industry's latest and fastest hard drive controllers while providing backward compatibility to SATA 3Gb/s systems. The Desktop SSHD is designed to work in most desktop systems without the need for special drivers or software to install and configure. It installs and works just like a hard drive only faster. Simultaneously run multiple applications like video and photography editing, video playback and computer games. Backed by a 3 year limited warranty."

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

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


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

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

Drawing on extensive empirical research, Negotiating Bioethics presents a truly global perspective on bioethics. The book will be of interest to students and scholars of sociology, politics, science and technology studies, bioethics, anthropology, international relations, and public health
Free $50 Naked Wines Gift Voucher - Mercury Magazines
Added on : Tuesday January 28th 2014 07:00:02 AM
g: 0 Posted By: Jatene
Views: 51 Replies: 0 Code comes by email
http://cdn.mercurymagazines.com/121-1216998/index.html

Fine print:Your $50 Wine GiftVoucherredemption code and password will follow in anseparate email.Nakedwines.com Wine Vouchers are only redeemable bycustomers over 21 years of age and for shipments to AK, AZ, CA, CO, CT,DC, FL, GA, IA, ID, IL, KS, LA, MD, ME, MN, ND, NE, NH, NJ, NM, NV, NY,OH, OR, SC, TN, VA, WA, WI, and WY. Although this offer isnot valid in MO,MA, VA, WV, TX, HI, NC, VT, a comparative offer will be presented tocustomers residing in these states who attempt to use a Nakedwines.comvoucher. Only one Wine Voucher may be used per customer. Your WineVoucher will be emailed to you within (3) business days. Wine Vouchers canonly be used at the US online store of Nakedwines.com (minimum $51purchase). Wines ship in packages of 6 or 12 bottles. An additional $9.99delivery charge applies at Nakedwines.com for orders $100 or less.Additional shipping costs will apply for Alaska and Hawaii. Voucher cannot beapplied to shipping charge. Voucher discount apportioned against all itemspurchased. Voucher cannot be used in combination with any other offer orpromotion-including other vouchers.Voucher cannot be doubled. Productavailability varies by state. Except where directed by law, the Voucher shallnever expire. Void where prohibited, taxed or restricted. The Voucher is notlegal tender, has no cash value and cannot be redeemed for cash or giftcards. The Voucher cannot be used toward prior purchases or returnedmerchandise. If the Voucher is lost, a replacement Voucher may be issued byMercury Magazinesupon presentation of evidence of purchase. Reproduction,purchase or sale of the Voucher is prohibited. Taxes, shipping and discountsdo not count toward the minimum qualifying spend. Alcoholic beverageindustry members not eligible. Nakedwines.com is not affiliated with NakedWinery, www.nakedwinery.com in Hood River Oregon. Full terms andconditions are available at www.nakedwines.com.
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GF's Insurance gone & pregnant - what are options? (lapse in coverage)
Added on : Monday January 27th 2014 07:00:16 AM
g: 0 Posted By: Muscle
Views: 0 Replies: 0 I'll try to keep this short. My (now 6 month pregnant) GF graduated college this past December. She was incorrectly told that her college insurance would continue until June of this year, but today found out this morning that it in fact expired almost 2 weeks ago. So, she's without insurance at all. She's working part time in the service industry but that's going to come to a halt soon as the pregnancy progresses.

We've been exploring options since we found out this morning, but I need to know what I can do ASAP.

She's applying right now to see if she's eligible for Medicaid, but after a phone call with them they said it would take a packet in the mail, followed by her filling it out, sending it in, receiving another packet with healthcare options, and sending that in. All in all this could take 1-2 months, so what can be done in the interim? She's can't go 2 months without insurance. Looking at options through the ACA website too.

As for me, I'm on personal health insurance through Anthem, so maybe I can add her on there if that's quicker? Will she get covered for pregnancy expenses as this is a 'pre-existing condition'?

I'm just trying to figure out options on how to get her covered ASAP as we have other baby appointments coming up and because, well, it's dumb to go without insurance. Literally just found out this morning that we were given incorrect information about her school's insurance duration.

Lastly, will any of these applications retroactively pay for appointments or other issues that come up prior to actual coverage? I thought I read somewhere some places will back-pay up to 3 months or so. My biggest concern is the lapse in coverage.

Thanks for any help. Somewhat panicking right now.
web hosting 1 yr plus free domain $19.40 first year - dreamhost 2014
Added on : Sunday January 19th 2014 10:00:03 AM
g: 1 Posted By: isamerican
Views: 222 Replies: 0 I have had dream host for several years, have been happy with them for the most part.

For a limited time, get 1 year of our award winning web hosting for just $1.62/month, plus your first domain registration is FREE! Also 2 weeks before they will bill credit card for the first year. Be sure to deactivate auto renewal as it is 119/yr.

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What a great time to save $100 on your web hosting! Promos aside, theres many reasons to come along and join the DreamHost family, but our numbers speak for themselves. Most of our 350,000+ customers have made their way into our family by word of mouth, because our existing customers love us, and well, we love them (dawwwww). For over 15 years, our family of customers have enjoyed hosting over 1.2 million blogs, websites, and apps with us, helping DreamHost grow into one of the most respected names in the industry. Our business has been, and always will be, building the best customer relationships possible, and were looking forward to our latest addition to the family you!
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Griffin StompBox Controller w/ GuitarConnect Cable - $16.99 + FS @ Groupon
Added on : Wednesday January 15th 2014 12:00:02 PM
g: 0 Posted By: heyyl0w
Views: 49 Replies: 0 Groupon has the Griffin StompBox Controller w/ GuitarConnect Cable for $16.99 with free shipping. Linky

These sell for $99 everywhere else I can find them. Limit 2 per person. Free returns. 1 year warranty. Review: Amazon

"Essentially a pedal board for your iOS device, the StompBox turns your iPad, iPhone, or iPod touch into a programming effects board, practice rig, and, if we're being honest, a friend. This lets you create music and effects in conjunction with apps like JamUp Pro and iShred Live using the board's bank of four user-assignable foot switches. Also included is a 6 ft. GuitarConnect cable that links your guitar with any iOS device and features a headphone jack for monitoring.

Effects pedal board for your iOS device
Four user-assignable foot switches
Compatible with iPad, iPhone, and iPod touch
Syncs with apps like JamUp Pro, iShred Live, and Qscript
Control built-in app features like metronome and tuner
Industry standard 1/4 in. mono jack
Built-in 1-meter dock cable
No additional power requirements
One-year warranty from Griffin Technology

"
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Entrepreneurship networking: share your top skills
Added on : Tuesday January 14th 2014 04:00:11 AM
g: 1 Posted By: robby152
Views: 114 Replies: 0 I have enjoyed reading through the networking threads related to posting job openings at your company, but I am not looking for a job. I am looking for like-minded people who want to talk about entrepreneurial ideas and have different skills than I do. Hopefully, some cool FW start-up would come out of this, but even if people just shared tips in their areas of expertise and were open to a couple of PMs on those aspiring to grow in those areas, that could help each other as well. I thought we could have a thread where people list the top 1,2 or 3 skills that might be relevant for an entrepreneurial venture. For example, though I think marketing is important, but I am horrible at it so I won't list that. But, I am an Excel monkey and have a lot of experience with process improvement and stuff like that. So mine would be:

Data Analysis
Process Improvement
Project Management

If anyone else is interested in this, we could start compiling everyone's top skills. And yes, while MS and other FW specific skills are definitely useful, I am looking for more generic skill sets that could apply to multiple industries. If you think you are only good at being a top HH, you might list:

Industry analysis
Process Design (have to be very organized)
Blah blah blah

Discussion Deals
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
V.me - Service and Privacy Policy Update
Added on : Friday January 10th 2014 03:00:07 PM
g: 0 Posted By: ablang
Views: 100 Replies: 0 Dear Ron, Since the launch of V.me by Visa, weve been hard at work providing you with a simple and secure way to pay at your favorite eCommerce sites. Were writing to make you aware of upcoming changes well be making to V.me to extend the service to even more top merchants, where you shop online and by mobile device. Rest assured, youll continue to enjoy the convenience of entering only your email address and password at checkout. What's HappeningAll changes will be reflected in an updated Privacy Policy, but the key changes you should be aware of include:
Transaction History: We will no longer provide your V.me purchase transaction history on the V.me website. As always, you will continue to receive order details from merchants and payment transaction detail directly from the financial institution that issued your payment card.


Payment Card Account Number: Visa may provide your full payment card account number to merchants and their transaction service providers when you pay using V.me. Visa is leveraging its wealth of experience in security and information handling, using advanced security technologies such as industry standard encryption and multilayer authentication, to protect the information as it is stored and communicated.


Information Sharing and Use: The V.me Privacy Policy was updated to clarify our relationship with participating merchants and their service providers and your issuer with regard to sharing of data. Visa provides information to these entities for the purpose of facilitating your V.me transactions and as described in the Privacy Policy. Please note that these parties may have their own privacy policies governing how they will use and disclose personal information. We recommend that you review the privacy policies for those with whom you interact to learn about their practices.

You will receive another email notifying you when these changes take effect. If youd like to preview the upcoming Privacy Policy, visit https://www.v.me/preview. Looking ForwardWe are hard at work building new payment solutions that promise to bring the simplicity and confidence of swiping your payment card to all of your online and mobile shopping experiences. If you have any questions about your V.me account, please contact us at support@v.me. Thank you, V.me by Visa Please do not reply to this email. It was sent from an email address that cannot accept incoming messages. If you think you received this email in error, please disregard it or let us know at support@v.me.

Discussion Deals
Wacom Cintiq 22HD Interactive Pen Display - $2117.50
Added on : Friday January 10th 2014 09:00:23 AM
This tablet and digital pen combo combines a 21.5" HD, wide-format LCD with industry-leading pen operations to give you maximum creative freedom.
This tablet and digital pen combo combines a 21.5" HD, wide-format LCD with industry-leading pen operations to give you maximum creative freedom.If your're looking for the best deals, you've come to the right place This is where you'll find Tiger's Top 10 Desktop Computers Deals! Make sure you check back everyday so you don't miss out!
Find the Elves - Elf on the Shelf - Christmas game for your Android device
Added on : Wednesday January 08th 2014 02:00:03 AM
g: 0 Posted By: ywd
Views: 2 Replies: 0 Get it from amazon
Product Features

Great fun for all ages!
Write to Santa in this app!
An awesome rendition of Hide and Seek on your mobile device.


Product DescriptionProduct DescriptionAn Official Elf on the Shelf App
How fast are your fingers? Did you know that hide-and-seek is an elfs favorite game? The elves are hiding in the Christmas tree, and you need to find them! Play the Elf Hide-and-Seek game and see how many elves you can click on before they hide againor the time runs out. The harder the level gets, the faster the elves move. Hurryyou have 30 seconds!

CCA and B, the brainchild of The Elf on the Shelf authors Carol Aebersold and Chanda Bell, along with Chandas twin sister, Christa Pitts, is a private, family-owned publishing company based in Marietta, GA. Started from the ground up, this mother-daughters trio has taken the publishing industry by storm going from rejection letters to a best-selling Christmas tradition that took root locally and spread like wildfire around the globe.
Totally Free Deals
PSA: Qualified Mortgage Requirements effective January 10, 2014
Added on : Tuesday January 07th 2014 07:00:11 PM
g: 0 Posted By: boxerbrief
Views: 0 Replies: 0 I did a search and no one has posted this yet. Some major changes are happening in the mortgage industry, and I just thought the community here should be aware. Effective January 10, 2014, the CFPB will be implementing the Ability to Repay and Qualified Mortgage Standards under TILA (Regulation Z). While most lenders may still originate loans that don't meet the standards, those who originate QM loans will have Safe Harbor legal protections meaning a borrower who got a loan and defaulted can not sue the lender for originating a bad loan (example: the borrower in a QM loan can not claim the income was not sufficient to cover the expenses so the loan should not have been originated in the first place). Some of the new rules for QM I pasted below, but you should go straight to the CFPB website for the actual laws and how it may impact you if you are looking to get a mortgage loan in the near future. Note that a 43% debt-to-income ratio is the new ceiling in the law as I know that is a common question on the forum about qualifying for a loan. It is hard to predict how different lenders will react to this, but I know that one particular lender will only originate QM loans as of January 10th and added on additional reserves and residual income criteria (not part of the law) in response to this law since lenders can now get sued for bad loans. I know a lot of you will be surprised that they actually have to make a law for the ability to repay aspect, which I agree should be something every lender should be doing already in the first place.

www.consumerfinance.gov/regulations/ability-to-repay-and-qualifi...

Mandatory product feature requirements for all QMs Points and fees are less than or equal to 3% of the loan amount (for loan amounts less than $100k, higher percentage thresholds are allowed); No risky features like negative amortization, interest-only, or balloon loans (BUT NOTE: balloon loans originated until January 10, 2016 that meet the other product features are QMs if originated and held in portfolio by small creditors); Maximum loan term is less than or equal to 30 years.

=11.5ptAbility-to-Repay Determinations=11.5pt. The final rule describes certain minimum requirements for creditors making ability-to-repay determinations, but does not dictate that they follow particular underwriting models. At a minimum, creditors generally must consider eight underwriting factors: (1) current or reasonably expected income or assets; (2) current employment status; (3) the monthly payment on the covered transaction; (4) the monthly payment on any simultaneous loan; (5) the monthly payment for mortgage-related obligations; (6) current debt obligations, alimony, and child support; (7) the monthly debt-to-income ratio or residual income; and (8) credit history. Creditors must generally use reasonably reliable third-party records to verify the information they use to evaluate the factors.
Wired Mag - $4.99/yr & Runner's World Mag - $5.99/yr @ DiscountMags
Added on : Tuesday December 31st 2013 10:00:09 AM
g: 0 Posted By: heyyl0w
Views: 107 Replies: 0 DiscountMags.com has Wired Magazinefor $4.99/yr & Runner's World Magazinefor $5.99/yr. You can order up to 3 years at the discounted price.

Wired:"Get "Wired" into the latest technology trends. Find out how the latest trends in technology affect the world of business, entertainment, culture, and politics. Each issue covers the latest gadgets, games, software, and industry news. Make technology a part of your life with this exciting magazine subscription. Get wired in today! Note: Digital access is included for print subscribers (activation instructions)."


Runner's Magazine:
"Runner's World is filled with powerful information that will help you run faster and farther and have more fun doing it! Every issue brings you the strategies, tips and advice to fuel your performance, prevent injuries, burn fat, shed stress, and achieve your personal goals."


Magazines Deals

DiscountMags.com Coupons
g: 1 Posted By: remick
Views: 229 Replies: 0 https://play.google.com/store/books/details/Various_DC_Entertainment_Essential_Graphic_Novels_?id=hcMlAQAAQBAJ

DC Entertainment has been the birthplace of some of comics landmark graphic novels, from books that defined the category like WATCHMEN, BATMAN: THE DARK KNIGHT RETURNS, and SANDMAN to contemporary classics like SUPERMAN: EARTH ONE and AMERICAN VAMPIRE. Now, for the first time ever, DCE has compiled its Essential Graphic Novels and Reading Chronology into one place. Inside is an expansive look at our rich backlist collection created by the best writers and illustrators in the industry. This catalog can be used as an important resource for new fans seeking a starting point, as well a look back at our impressive backlist for the most fervent DCE enthusiasts.
Books & Magazines Deals
Crumpler 7 Million Dollar Home, Industry Disgrace, $75
Added on : Thursday December 26th 2013 07:00:08 AM
g: 0 Posted By: eastwa60
Views: 25 Replies: 0 Crumpler 7 Million Dollar Home Shoulder Bag for Digital SLR Camera, Brown/Orange- with FREE Crumpler Industry Disgrace Strap (a $35 Value).
$8 more than last week...

Adorama
Cameras Deals

Adorama Coupons
g: 0 Posted By: DOChicago
Views: 278 Replies: 3 For those of you on FW with everything else , Costco has the7.72 ct Radiant Cut VS1 Clarity, Fancy Yellow Diamond Platinum Ring On Sale for the mere price of $139,999.99!

Costco Link

IGI Value:$211,825
GIA #:5101592279
Metal:950 Platinum & 18kt Yellow Gold
Center Diamond Shape:Radiant Cut
Center Diamond Weight:7.72 ct
Total Diamond Weight:8.90 ctw
Center Diamond Clarity:Very Slightly Included ( VS1 )
Center Diamond Color:Fancy Yellow ( FY )
Side Diamond Shape:Round Brilliant Cut
Ring Size:7 - Sizeable within 1 size (Costco does not provide this service)



Costco makes purchasing the highest quality diamonds easy by offering only the industry's highest quality diamonds at the lowest possible price. Our long-standing relationship with our suppliers guarantees we get the best selection at the best value. Costco's experienced buying team works with our suppliers evaluating and hand-selecting each diamond for its quality and brilliance. Our team of Graduate Gemologists then inspects every diamond to ensure it meets the strictest quality standards in the industry in cut, color, clarity, and craftsmanship. You can be confident your purchase is as special to us as it is to you.

This item comes with a Summation Of Appraisal certificate from the International Gemological Institute (IGI). This is to certify that the item described above is genuine, and has been independently examined in the laboratories of IGI.

Also included with this diamond is a GIA (Gemological Institute of America), Gem Trade Laboratory, Diamond Grading Report. Gem Trade Laboratory is a division of GIA Enterprises, Inc., a wholly owned subsidiary of the nonprofit Gemological Institute of America, Inc. This describes the characteristics of the diamond at the time of the examination based upon 10x magnification.

When returning unique jewelry items, or items containing a 1.00 ct center diamond or larger, Costco warehouses may require additional time to verify the diamond, in which case a refund will be approved upon positive verification and as long as the item is not damaged or changed in any way (i.e. resized or reset). This process may require two to five business days.

Model: LVS831
Jewelry Deals
15% cash back on purchase up to $500 at tigerdirect.com BankAmeriDeals
Added on : Tuesday December 24th 2013 09:00:02 AM
g: 0 Posted By: parmenides
Views: 0 Replies: 0 Combine with today's/tomorrow's $20 off $100 at TD. I had this offer in my Bank of America Online account (BofA Visa). I'd already previously used the AMEX $30 off $100 at TD:

TigerDirect.com
13 days left

Ready to use
Looking for the perfect gift? This holiday season, shop atTigerDirect.com to earn 15%Cash Backon your purchase amount up to $500. Shop online or in-store. Offer expires 1/6/2014. Offer valid one time only.

When you shop withTigerDirect.com, you'll choose from brand name computersthe industry's top namesat great prices. AtTigerDirect.com you will find emerging technologies as well, because at the end of the day, we love what we sell. But we go beyond computers - we have TVs, electronics and more!

Note: Offer is only valid when you pay with your eligible Bank of America card

g: 0 Posted By: DaysFan
Views: 236 Replies: 0 http://www.toysrus.com/product/index.jsp?productId=12310211&prodFindSrc=search&cp=

linked

http://www.toysrus.com/
http://www.toysrus.com/graphics/product_images/pTRU1-11643309dt.jpg

CDG Karaoke System with 5.5 inch Black and White Monitor (STVG559)By: The Singing Machine

|MFG Age: 14 years and up
$79.99
$39.99

Fine tune your karaoke skills with the Singing Machine CDG Karaoke System with 5.5 B/W Monitor. With a convenient top-load CD+Graphics player, pop in your favorite disc and start singing to the lyrics displayed right in front of you on the built-in monitor. Featuring two microphone Jacks with volume controls you can grab a partner and double the karaoke fun! Audio Voice Control, and Balance and Echo controls help your vocals sound their best. AUX in allows for mp3/iPod music playback!

Singing Machine CD+G Karaoke System with 5.5 inch B/W Monitor features:

Top-load CD+Graphics player
5.5 Black and White CRT monitor
Two Microphone Jacks with Volume Control
Balance and Echo Controls
Auto Voice Control
AUX-IN for iPod and MP3 Players
AC
Built-In Speaker
Video and Audio OUT
Microphone Included
5 FREE Karaoke Downloads included

The Singing Machine is the leader in the home karaoke industry, bringing you the very best home karaoke has to offer for over 25 years. With an online music channel (store.singingmachine.com) and innovative new products, The Singing Machine is dedicated to fun, style and quality to keep you singing your favorite tunes.

Notes: Singing Machine CD+G Karaoke System with 5.5 B/W Monitor Includes:

One Microphone
5 FREE Karaoke Downloads
RCA Cables

RWeb#: 746737SKU: E72EAC27UPC/EAN/ISBN: 047237005590Manufacturer #: STVG-559Product Weight:9.2 poundsProduct Dimensions (in inches):16.9 x 12.0 x 10.3
How to Get ItShipping Info:

This item can be shipped to the entire United States including Alaska, Hawaii, and all U.S. territories including Puerto Rico
This item can also be shipped to APO/FPO addresses and to P.O. Boxes in all 50 states


Shipping Methods:

This item may be shipped via Standard Shipping, Expedited Shipping or Express Shipping
Please Note: Some addresses are eligible for Standard Shipping only (APO/FPO, P.O. Boxes, U.S. Territories and Puerto Rico)


Store Pickup(learn more):

Store Pickup details

Please wait for the Ready for Pickup e-mail before proceeding to the store; orders must be picked up within 5 Days upon the receipt of this email
You will have the option to designate someone else to pick up your order during the checkout process
You will be able to change the Store Pickup location during the checkout process
In-stock status is approximate and may not reflect recent sales
Orders placed for Store Pickup will receive online pricing and promotions




Electronics Deals
Lateral move with pay cut?
Added on : Saturday December 21st 2013 08:00:08 AM
g: 0 Posted By: Roaringone
Views: 179 Replies: 2 I am in the planning stage of moving across the country from one big city to another. I'd like to continue working in my field, but there is a bit of a wrinkle. I'm a few years out of school and am currently making ~$75k. This is in range for my industry and my area. My friends that are working in my destination city are running salaries in the 55-65k range for a similar experience level. COL is higher in the new city. I'm planning on negotiating as best as I can, with my current salary and with specialized experience as leverage, but I'm thinking that I will probably end up with a pay cut. Any thoughts on how to minimize the pain on the income side?
Personal Finance Deals
Being trained to absorb fraud costs
Added on : Saturday December 21st 2013 06:00:06 AM
g: 0 Posted By: kenblakely
Views: 39 Replies: 0 Friends: Seeing as this is a financial forum and all, I wonder if any of the old-timers (ie, most knowledgeable) members of this board have any thoughts on something I've been mulling over....

Credit/debit cards (C/Dcards) are a relatively new innovation. As they were introduced, they came with obvious benefits for everyone involved; consumers, the industry, retailers, police, governments. They also came with an obvious (and very significant) risk of fraud and financial loss, and that risk would seem to have deterred people from using them. Getting consumers to use C/Dcards must have been a major goal for the industry.

And here we are about 50 years after the first credit card was issued. C/Dcards are ubiquitous and account for the overwhelming majority of commerce, on and off-line. Consumer adoption of C/Dcardshas been largely successful, to the point that it is now (not impossible but) extraordinarily difficult to live a 'normal' life without them.

One of the many ways that was effected was to assure consumers (via law and corporate policy) that fraud was not the consumer's problem, and that if their data was compromised, they would be shielded from loss. C/Dcard fraud is a huge problem for the industry; billions of $ are lost every year, but that loss is overwhelmingly absorbed by the financial/insurance industry. Now thatC/Dcard use is almost mandatory, the industry is in a position to begin shifting that cost over to consumers. They could do this the same way they established the system as it sits today - via slow and incremental legal and policy changes accompanied by financial incentives ("accept partial risk of fraud and we'll give you 10 miles/dollar instead of 2!")

Which is what I think will happen, prolly over the next 10-30 years. Consumers will end up owning the cost of fraud, and the transfer of wealth from low->high continues....

There's precedent for this: note that the transfer of planning for retirement has shifted from largely a corporate problem to an individual problem, starting with IRAs, then Roth IRAs and 401ks, then the gradual phasing out of corporate retirement benefits. This process started back in the 1970s, and we are now in a world where provisioning for individual retirement is (largely) the individual's problem. The winners in that process have been corporations, not individuals.

Any of the smart guys here know of any good reason why this might not happen, or any research/insights into this process?

Final note: I'm not suggesting some kind of "illuminati" conspiracy where shadowy central planners figure it all out, but rather that this is a process that that will happen because market forces and interests push it that way. Please; no conspiracists.
Personal Finance Deals
g: 0 Posted By: remick
Views: 0 Replies: 0 http://www.amazon.com/Construction-Industry-Guide-Book-Surveying-ebook/dp/B00GTWEWES

This guide book has been prepared with the intention of assisting candidates in preparing for the RICS Accredited Professional Competence interview process or as a general reference to construction industry individuals.
g: 0 Posted By: cvrev
Views: 207 Replies: 0 This ZX600B103tripod is $129.99 on LINK

Costco has it for $89.99 and with $10.00 discount the Sale price is $79.99 plus shipping

Click here for the LINK

Here is the details below:

This item may currently be in stock at your local warehouse for immediate purchase at cash and carry price.

This tripod is the successor to our premiere ZX carbon fiber series, and it is offered at an industry leading low price for a 60 Carbon Fiber Tripod ball head combo. Carbon fiber is an upgraded material that is known for its lightweightness, resistance to vibration, and greater torsional stability compared to aluminum. With a max height of 60, the tripod is a suitable height for most people. This tripod uses a traditional ball head design with separate control for pan and tilt. Other upgraded features include bubble level on the tripod and compass. Comfort foam grips also make it convenient for handling purposes. 3-angle leg locks allow for multi-angle tripod positioning. Lastly, included is a padded nylon case for storage.

Tripod Features:

4 leg sections - 8 layer carbon fiber legs
Retractable center column hook
Removable center column for low-angle shots
Convenient one-handed leg twist locks open and close
Maximum Operating Height (center column extended): 60" center / 48.5 center column not extended
Minimum Operating Height: 21
Folded Height: 23.25"
Net Weight: 3.5 lbs.
Max Operating Load: 13.0 lbs.
Number of Leg Sections: 4
Base Thread: 3/8"
Quick Release Thread: 1/4"
Panoramic Angle: horizontal-360 degrees and vertical-90 degrees
Material: Aluminum alloy and carbon fiber legs



=14pxBall Head Features:

Fluid pan movement base
Traditional design ballhead offers classic design with pan and tilt knobs
Quick release plate has convenient flip locking screw
360 degree marking for panoramic shots
Ball head is removable




=14pxModel: ZX600B103
Cameras Deals

Adorama Coupons
Should I Invest? (question for people w/ home renovation experience)
Added on : Saturday December 14th 2013 07:00:05 PM
g: 0 Posted By: mrobm
Views: 128 Replies: 3 So I had a colleague approach me about a business he's starting and I need some advice before investing anything in it. In reality, he only needs a pretty paltry amount (even if I got zero return, it wouldn't even come close to breaking the bank), but I still want to see if people with more experience in the home renovations/house flipping industry than I have think it meets a legitimate need. The in-person validation I've done has definitely been slanted in one direction, and I'm curious if people here will agree.

First, for those of you who have done considerable room/home renovations, particularly on an investment home or some other semi-professional endeavor, how much of a pain is it to go around and get all of the right supplies from the various sources throughout the project? Is it a huge time investment to plan out and purchase everything you need throughout the project?Was staying within your intended budget difficult throughout the project?

Second (the most important part), would itbe useful to be able to go to a website and see completed rooms (with all the paint, colors, fixtures, tiles, flooring, appliances, etc. all matching and looking good together)that you could select and have all the materials you need to recreate the room shipped right to your door? The price for the room would not be any higher than you would pay purchasing each item individually. (just to give it a quantifiable amount, please rate it 1-10)

Thanks! I appreciate you sharing your expertise!
Investing Deals
Vanguard 401k fund- mess with it or keep all in target 2050 retirement?
Added on : Saturday December 14th 2013 05:00:11 PM
g: 0 Posted By: packers9626
Views: 104 Replies: 1 I am contributing $184 every two weeks. Thinking of maybe diversifying a bit. I can choose from other various Vanguard funds. One that caught my eye was the Fidelty contrafund (=12pxFCNTX). Heres the funds strategy:

=12px"The investment seeks capital appreciation. The fund normally invests primarily in common stocks. It invests in securities of companies whose value the advisor believes is not fully recognized by the public. The fund invests in domestic and foreign issuers. It invests in either "growth" stocks or "value" stocks or both. The fund uses fundamental analysis of factors such as each issuer's financial condition and industry position, as well as market and economic conditions to select investments."


Would there be any downside to allocating 20% of my contributions to this?
Investing Deals
Flambeau Outdoors 14" locking Pistol Case (14x10") $5 @ Walmart, FS to store
Added on : Wednesday December 11th 2013 06:00:05 AM
g: 0 Posted By: TheRatsWon
Views: 290 Replies: 0 http://www.walmart.com/ip/Flambeau-Outdoors-1411-14-Pistol-Case/23578632
Free ship to store or free home delivery with $35 total
Description
Get reliability and result-driven realism with this 14 Flambeau Pistol Case. With industry-leading products, Flambeau provides you with gear that is good all year round. This stackable 14" outdoor locking pistol case is made of full egg-shell foam and Polypro. Flambeau has created a contemporary high-profile design with sliding, lockable latches on this hard pistol case.
Flambeau Outdoors 1411 14" Pistol Case:

Sliding, lockable latches
Stackable
Contemporary high-profile design
Full egg-shell foam
Polypro construction

Specifications
Primary Color: Black Multi Pack Indicator: No Battery Type: Does Not Contain a Battery Model No.: 6450SC Shipping Weight (in pounds): 1.3 Product in Inches (L x W x H): 5.0x14.0x10.5 Assembled in Country of Origin: USA Origin of Components: USA WalMart No.: 551263555

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Walmart Coupons
Advice on job opportunity, financial planning...
Added on : Monday December 09th 2013 02:00:14 PM
g: 0 Posted By: peteron
Views: 386 Replies: 3 Hello FWers, my phd program is coming to an end, and I was recently awarded a postdoc fellowship at a govt research center located at mountainview, or silicon valley. The job will start in next April. Before accepting this offer, I have some concerns on financial arrangements. I was awarded a stipend of $64k, which I believe is non-taxable. My wife and 20 month son will relocate with me. Family insurance is shared between me and the research institute. I need to pay $167.55 monthly out of pocket. The insurance does NOT cover dental or vision.
About this job, I consider it a good opportunity - only the living cost is a concern to me. My phd program mostly produces scientists and professors. We donot earn 120k+bonuses like other new grads in the silicon valley tech companies.So this is not a discussion of 'why dont you find a better pay or go to industry?'. I mostly want to know how likely it is to maximize our living at (around) moutainview at my salary level.
My financials are: $20k in saving account. No student loans. No significant credit card debts. Car loan of $16800 with APR 0.71% (monthly payment is around $389). Car insurance of $472 for six months (Geico).We are not big spenders and always pay in full credit cards. I am thinking of starting to invest in stock in near future. My questions are, Is it like to rent a 2-bedroom or a big-size 1-bedroom at 1500-1800/month near the area? I will avoid the expensive places and a radius of 15-20 miles should be acceptable. Is public transit conveneient, so I can commute to save on gas? I will have to buy full coverage on the car since it is not paid off. I donot know how much would that be in MV. We usually go to Asian market to save on grocery, and I suspect this can be done at MV, am I right? Also I probably need to purchase dental and vision insurance by ourselves. Finally, there will be day care needs for my son... We are trying to save as much as we can, so we can start to own our own place once we settled down. Please give me advice or tips on how to arrange my finance at this new place.

Edit:
I am sure the stipend is not taxable, and should not have withholding.
Personal Finance Deals
Advice on job opportunity
Added on : Monday December 09th 2013 01:00:07 PM
g: 0 Posted By: peteron
Views: 48 Replies: 0 Hello FWers, my phd program is coming to an end, and I was recently awarded a postdoc fellowship at a govt research center located at mountainview, or silicon valley. The job will start in next April. Before accepting this offer, I have some concerns on financial arrangements. I was awarded a stipend of $64k, which I believe is non-taxable. My wife and 20 month son will relocate with me. Family insurance is shared between me and the research institute. I need to pay $167.55 monthly out of pocket. The insurance does NOT cover dental or vision.
About this job, I consider it a good opportunity - only the living cost is a concern to me. My phd program mostly produces scientists and professors. We donot earn 120k+bonuses like other new grads in the silicon valley tech companies.So this is not a discussion of 'why dont you find a better pay or go to industry?'. I mostly want to know how likely it is to maximize our living at (around) moutainview at my salary level.
My financials are: $20k in saving account. No student loans. No significant credit card debts. Car loan of $16800 with APR 0.71% (monthly payment is around $389). Car insurance of $472 for six months (Geico).We are not big spenders and always pay in full credit cards. I am thinking of starting to invest in stock in near future. My questions are, Is it like to rent a 2-bedroom at 1500/month near the area? I will avoid the expensive places and a radius of 15-20 miles should be acceptable. Is public transit conveneient, so I can commute to save on gas? I will have to buy full coverage on the car since it is not paid off. I donot know how much would that be in MV. We usually go to Asian market to save on grocery, and I suspect this can be done at MV, am I right? Finally, I probably need to purchase dental and vision insurance by ourselves. We are trying to save as much as we can, so we can start to own our own place once we settled down. Please give me advice or tips on how to arrange my finance at this new place.
Personal Finance Deals
g: 0 Posted By: michael3673
Views: 40 Replies: 0 Hello All-
I started a business two years ago in the service industry two years ago with one lucrative client. I've done a good job maintaining, growing and representing his business and my own.(I am a concessionaire) This business allowed me to only work part time at a drone job. I did all this by bootstrapping and being very frugal and inventive.
I now have been offered contracts with five other business of the same size and larger which would put me in a position of grossing roughly 200k a year with expenses of about 30k a year.
I would like to keep the business private as it is highly specialized, and do not want to take on partners.
I am looking at needing to invest 25k to get the equipment to take on these contracts.
Credit cards not an option I want to take. Credit is good, although I have a high utilization rate on cards that had limits cut in the great reaping of 2011.
I am not a "free spender" on items and can get items fairly cheap through connections although it can take some time.
Ideas?

New User Question Deals
g: 1 Posted By: cvrev
Views: 204 Replies: 4 Save $20.00 instatntly with free shipping

Here is the link to costco LINK

Here are some specifications if you are interested:

Product details

Model: TX570B150DS

The TX570B150DS adds versatility and strength for DSLRs, Point & Shoots, and ILC (interchangeable lens) cameras. This tripods standout feature is its reversible legs that allow it to compress down to an industry leading 12.5. This makes this tripod small enough to store in the tightest spaces like camera bags and carry-on luggage. It is also one our lightest tripods at 2.5lbs. The ability to turn the tripod leg and center column into a 60 monopod makes this as versatile as your camera needs. The TX570B150DS has a premium finish with its upgraded twist leg locks that only need a turn to lock and unlock legs. The dual pole center column provides extended height extension making it the perfect tripod for all events, such as sports activities, camping, family gatherings and more. The TX570B150DS has a max load of 15 lbs. giving you the flexibility for all types of cameras. The new rubberized ball head knobs allow you to get extra tension and make sure your hand doesnt slip. The ball head also has a safety quick release plate button. A degree marker is integrated on the pan base for panoramic shooting. The Dolica TX570B150DS a perfect choice for todays photographer. Includes a carrying case and 5 year warranty.

Tripod Features

Integrated monopod from tripod leg and center column
Reversible legs that fold down to 12.5
Lightweight design that is only 2.5lbs
Center column hook for adding stability to tripod
Reversible Center Column for low angle shots and remove center column for ground level shooting
Quarter turn twist leg locks make it quick to expand and contract tripod
Short throw leg locks for quick leg open and close

Ball Head Features

Fluid pan movement base
Independent rubberized lock knobs for pan and tilt
Quick release plate safety release button
Degree angle marks on pan base for panorama shots
Removable ball head

Specifications

Maximum operating height (center column extended): 57 inches
Maximum operating height (center column not extended): 46 inches
Minimum operating height: 18 inches
Closed Folded height: 12.5 inches
Net weight: 2.5 lbs
Max operating load: 15 lbs
Monopod Max Height: 60 inches
Monopod Min Height: 24 inches
Leg sections: 5
Tripod Base thread: 3/8 inch
Quick Release Plate thread: 1/4 inch
Panoramic angle: Horizontal 360 Vertical 90
Material: Aluminum Alloy
Color: Black
Cameras Deals
g: 0 Posted By: mrlemm
Views: 81 Replies: 0 Dolica TX570B150DS Reversible Traveler 57" Tripod with Integratable Monopod @costco.com $59.99 + free shipping

http://costco.com/.product.802732.html?&EMID=B2C_2013_1205_Daily...

Product details

Model: TX570B150DS

The TX570B150DS adds versatility and strength for DSLRs, Point & Shoots, and ILC (interchangeable lens) cameras. This tripods standout feature is its reversible legs that allow it to compress down to an industry leading 12.5. This makes this tripod small enough to store in the tightest spaces like camera bags and carry-on luggage. It is also one our lightest tripods at 2.5lbs. The ability to turn the tripod leg and center column into a 60 monopod makes this as versatile as your camera needs. The TX570B150DS has a premium finish with its upgraded twist leg locks that only need a turn to lock and unlock legs. The dual pole center column provides extended height extension making it the perfect tripod for all events, such as sports activities, camping, family gatherings and more. The TX570B150DS has a max load of 15 lbs. giving you the flexibility for all types of cameras. The new rubberized ball head knobs allow you to get extra tension and make sure your hand doesnt slip. The ball head also has a safety quick release plate button. A degree marker is integrated on the pan base for panoramic shooting. The Dolica TX570B150DS a perfect choice for todays photographer. Includes a carrying case and 5 year warranty.

Tripod Features

Integrated monopod from tripod leg and center column
Reversible legs that fold down to 12.5
Lightweight design that is only 2.5lbs
Center column hook for adding stability to tripod
Reversible Center Column for low angle shots and remove center column for ground level shooting
Quarter turn twist leg locks make it quick to expand and contract tripod
Short throw leg locks for quick leg open and close

Ball Head Features

Fluid pan movement base
Independent rubberized lock knobs for pan and tilt
Quick release plate safety release button
Degree angle marks on pan base for panorama shots
Removable ball head

Specifications

Maximum operating height (center column extended): 57 inches
Maximum operating height (center column not extended): 46 inches
Minimum operating height: 18 inches
Closed Folded height: 12.5 inches
Net weight: 2.5 lbs
Max operating load: 15 lbs
Monopod Max Height: 60 inches
Monopod Min Height: 24 inches
Leg sections: 5
Tripod Base thread: 3/8 inch
Quick Release Plate thread: 1/4 inch
Panoramic angle: Horizontal 360 Vertical 90
Material: Aluminum Alloy
Color: Black
Cameras 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.

No Sleep Records Cyber Monday Sale - 75% Off Digital Releases @ Bandcamp
Added on : Sunday December 01st 2013 10:00:06 PM
g: 0 Posted By: ManuFact
Views: 112 Replies: 0 http://nosleeprecords.bandcamp.com/

Promo Code: CYBER13

No Sleep Records is an independent record label based in Huntington Beach, CA and home to some of underground music's best emerging talent. Formed in 2006 by Chris Hansen, No Sleep began as a project to bring back originality and uniqueness to a seemingly watered-down scene, and has quickly risen to become one of the most respected labels in the industry.
Years after its inception, No Sleep continues to push the boundaries of music with a diverse lineup of innovative acts that don't necessarily fit any single genre, but instead are out to cut their own path. From La Dispute and Touche Amore to Balance and Composure and Into It. Over It., the label has become one of the scene's most coveted labels for bands to call home.
Music Deals
g: 2 Posted By: bittul
Views: 33 Replies: 0 Copied/Pasted from DJ3xclusive over @ SD
DJ3xclusive said: *Starts 11/21/2013*

http://www.amazon.com/dp/B00GJ1X4TS/ Rockstar Classics Bundle 7.99
http://www.amazon.com/dp/B00CLEIC6W Shatter - 2.49
http://www.amazon.com/dp/B00DOD0TZG BioShock Triple Pack - 14.99
http://www.amazon.com/dp/B00CPBZDQ8 Borderlands 2 and Borderlands GOTY - 11.99
http://www.amazon.com/dp/B00CPBZDPE Firaxis Pack (XCOM EU, Civ V Gold, Civ IV Complete) - 19.99
http://www.amazon.com/dp/B00ECHYTKY X-COM Collection (Classics +EU + DLC) - 9.99
http://www.amazon.com/dp/B0091T6FQO Desert to Sea - 9.99
http://www.amazon.com/dp/B008GW5V9E Action Shooter Pack - 9.99
http://www.amazon.com/dp/B00ELJROFA CIV V COMPLETE (Gold + Brave New World) - 19.99
http://www.amazon.com/dp/B00AFDKCLE X-COM ENEMY UNKNOWN- SLINGSHOT DLC - 3.49
http://www.amazon.com/dp/B009RSL2EO X-COM ENEMY UNKNOWN- ELITE SOLDIER DLC - 2.49
http://www.amazon.com/dp/B00846E6X4 X-COM: Complete Pack (CLASSICS) - 7.49
DUKE NUKEM FOREVER - 9.99
DARKNESS 2 - 14.99
http://www.amazon.com/dp/B00BCNV1CA CIV V GOLD - 24.99
http://www.amazon.com/dp/B0084FHBGY CIV IV COMPLETE - 14.99
http://www.amazon.com/dp/B00CYOHL48 Sid Meier's Civilization V Game of the Year Edition [Mac Download] - 19.99
http://www.amazon.com/dp/B00BLS4CZ4 Civilization V Gold - 24.99
Duke Nukem Forever [Mac Download] - 9.99
Civilization IV [Mac Download] - 9.99
Civilization V Gold + Civ V: Brave New World - 19.99
http://www.amazon.com/dp/B00BGEAY00 Blacklight Tango Down 4-Pack - 4.49
http://www.amazon.com/dp/B008PGUVLE Blacklight Tango Down - 1.29
BULLY/MANHUNT - 4.99
http://www.amazon.com/dp/B00DQXF8AU GTA TRILOGY - [Mac Version (http://www.amazon.com/dp/B006BEZPTU Click Here)] 6.99
http://www.amazon.com/dp/B00A9XQ83Q Max Payne 3 + Season Pass $7
http://www.amazon.com/dp/B00G3K2JEG MAX PAYNE 3 COMPLETE - 6.99
http://www.amazon.com/dp/B00GJ1X1SM MANHUNT/MANHUNT 2 - 3.99
http://www.amazon.com/dp/B00GJ1X3V2 GTA TRILOGY + GTA IV - 10.99
http://www.amazon.com/dp/B0091UYJ66 LA NOIRE Complete + Max Payne 3 Complete - 7.99
http://www.amazon.com/dp/B00904XVS0 GTA IV Complete + Max Payne 3 - 7.99
L.A. NOIRE - 9.99
GTA IV - 9.99
MANHUNT - 4.99
MANHUNT 2 - 7.49
GTA VICE CITY - 4.99
GTA 3 - 4.99
GTA SAN ANDREAS - 7.49
MAX PAYNE 3 - 9.99
MAX PAYNE 3 SEASON PASS - 7.49
Call of Duty: Black Ops - 19.99
Call of Duty: Black Ops - Rezurrection - 5.99
Call of Duty: Black Ops "Annihilation & Escalation" Content Pack - 9.99
R.I.P.D.: The Game - 2.99
God Mode - 2.99
Zeno Clash 2 - 4.99
Invadazoid - 1
Rails - 4.95
Art Text for Mac - 19.95
Scorpion: Disfigured - 4.9975
Jekyll & Hyde - 4.9975
Outcry - 4.9975
http://www.amazon.com/dp/B00B2CY948 Giana Sisters: Twisted Dreams - 2.99
The Few - 1.99
Strike Suit Zero - 4.99
Dungeons & Dragons: Chronicles of Mystara - 7.49
Dungeons & Dragons: Chronicles of Mystara 4-Pack - 22.49
Super Street Fighter IV: Arcade Edition - 14.99
100% Hidden Objects - 3.99
Ancient Spirits - Columbus Legacy - 1.99
Build It! Miami Beach Resort - 1.99
Dark Mysteries - The Soul Keeper - 2.99
Jewel Legends - Tree of Life - 2.99
Mahjong Mysteries - Ancient Athena - 1.99
Mahjongg: Ancient Mayas - 1.99
Mystery Stories - Mountains of Madness - 2.99
Mystery Stories: Island of Hope - 1.99
Sanctum 2 - 3.74
Super Sanctum TD - 0.99
Sanctum - 2.49
18 Wheels of Steel Long Haul - 2.49
Amnesia - 4.99
Hunting Unlimited 2010 - 2.49
Ultimate Mahjongg 20 - 2.49
18 Wheels of Steel: Extreme Trucker 2 - 4.99
18 Wheels of Steel Extreme Trucker - 2.49
Let's Ride: Silver Buckle Stables - 2.49
Prison Tycoon 4: Super Max - 2.49
18 Wheels of Steel: Extreme Trucker 2 - 9.99
Amnesia - 9.99
Stealth Bastard Deluxe - 2.99
Stealth Bastard Deluxe: The Teleporter Chambers - 1.49
Deponia - 3.99
Chaos on Deponia - 3.99
The Dark Eye - Chains of Satinav - 4.99
A New Beginning - 2.49
Edna & Harvey: Harveys New Eyes - 2.99
Garshasp: The Monster Slayer - 1.25
Garshasp: Temple of the Dragon - 1.25
Secret Files Franchise Pack - 19.99
Cubetractor - 4.99
PixelJunk Monsters Ultimate - 9.99
PixelJunk Shooter - 6.7425
Psychonauts - 2.5
Costume Quest - 3.75
Stacking - 3.75
Brutal Legend - 10
Brutal Legend - Soundtrack Edition - 12.5
Guacamelee! Gold Edition - 9.99
Tales From Space: Mutant Blobs Attack - 3.99
Hunter's Trophy 2 - America - 7.5
Hunter's Trophy 2 - Australia - 7.5
WRC 3 - 14.99
Family Vacation - 2.49
The Secret Legacy A Kate Brooks Adventure - 2.49
Restaurant Empire - 4.95
Restaurant Empire 2 - 9.95
Capitalism 2 - 4.985
Zoo Empire - 2.4875
Marine Park Empire - 2.50
Circus Empire - 2.4875
Hotel Giant - 2.4875
Seven Kingdoms 2 - 2.4875
Nemesis of the Roman Empire - 4.9875
Warlords Battlecry 3 - 4.9875
Joan of Arc - 0.9875
Lords of Football - 6.25
Jig-Man! - 2.67
Maze-Master - 2.67
Nancy Drew: The Final Scene - 3.5
Nancy Drew: Secret Of The Scarlet Hand - 3.5
Nancy Drew: Ghost Dogs Of Moon Lake - 3.5
Nancy Drew: The Haunted Carousel - 3.5
Nancy Drew: Danger on Deception Island - 3.5
Nancy Drew: Ransom Of The Seven Ships - 3.5
Nancy Drew: The Phantom of Venice - 3.5
Nancy Drew Dossier: Resorting to Danger - 3.5
Nancy Drew: Legend of the Crystal Skull - 3.5
Nancy Drew Dossier: Lights, Camera, Curses! - 3.5
Nancy Drew: The Haunting of Castle Malloy - 3.5
Nancy Drew: Curse of Blackmoor Manor - 3.5
Nancy Drew: Warnings at Waverly Academy - 3.5
Nancy Drew: Secret of the Old Clock - 3.5
Nancy Drew: Last Train to Blue Moon Canyon - 3.5
Nancy Drew: Danger By Design - 3.5
Nancy Drew: The White Wolf of Icicle Creek - 3.5
Nancy Drew: The Creature of Kapu Cave - 3.5
Nancy Drew: Trail of the Twister - 3.5
Nancy Drew: Secrets Can Kill REMASTERED - 3.5
Nancy Drew: Shadow at the Water's Edge - 9.99
Nancy Drew: Shadow at the Water's Edge [Mac Download] - 9.99
Nancy Drew: The Captive Curse - 9.99
Nancy Drew: The Captive Curse [Mac Download] - 9.99
Nancy Drew: Alibi in Ashes - 9.99
Nancy Drew: Alibi in Ashes [Mac Download] - 9.99
Nancy Drew: Tomb of the Lost Queen - 9.99
Nancy Drew: Tomb of the Lost Queen [Mac Download] - 9.99
Nancy Drew: Treasure In The Royal Tower - 4.99
Nancy Drew: Message in a Haunted Mansion - 4.99
Nancy Drew: The Secret of Shadow Ranch - 7.49
Nancy Drew: The Deadly Device - 9.99
Nancy Drew: The Deadly Device - 9.99
Nancy Drew: Ghost of Thorton Hall - 13.39
Nancy Drew: Ghost of Thorton Hall - 13.39
Nancy Drew: The Phantom of Venice - 3.5
Defense Grid Containment Bundle - 4.99
StarDrive - 10.2
Endless Space Emperor Special Edition - 10.2
Endless Space: Disharmony - 3.4
Endless Space Gold Edition - 11.9
Adam's Venture - 1.25
Dark Fall: Lost Souls - 2.49
Darkness Within: In Pursuit of Loath Nolder - 2.49
Killing Floor - 4.5
Red Orchestra - 2.49
Baron Wittard - 2.49
Darkness Within 2 - 2.49
Wings of Luftwaffe DLC - 2.75
Wings of Prey - 3.75
Wings of Prey - Collector's Edition - 6.25
Family Farm - 3.75
Nuclear Dawn - 2.49
Oil Rush - 3.99
Armada 2526 - 3.75
Starpoint Gemini - 4.98
Blades of Time Limited Edition - 9.99
Gemini Wars - 4.98
LHOD Society of the Serpent Moon - 4.98
Adam's Venture 3 - 1.25
Adam's Venture 2 - 1.25
SOL: Exodus Collector's Edition - 2.49
Cristiano Ronaldo Freestyle - 1.25
Tiny Troopers - 1.25
Tiny Troopers - 1.25
The Good Life - 2.49
ABC Coloring Town - 1.25
Alphabet Robots Mahjong - 1.25
Balloon Blowout - 1.25
Fantastic 4 In A Row 2 - 1.25
Fantastic Checkers 2 - 1.25
Letter Land Mahjong 2 - 1.25
Mahjong Deluxe 2 - 1.25
Drip Drip - 2.5
Drip Drip - 2.5
Jewel Quest Mysteries: The 7th Gate - 0.99
Jewel Quest Heritage for Kindle Tablet - 0.99
Jagged Alliance: Crossfire - 7.4975
Tropico 4 DLC - Pirate Heaven - 1.2475
Sine Mora - 2.4975
Tropico 4: Megalopolis - 1.2475
Tropico 4: Vigilante - 1.2475
Omerta: City of Gangsters - 19.995
Tropico3: Absolute Power - Expansion - 2.4975
Tropico Reloaded - 1.7475
Tropico 3 - 2.4975
Tropico 4 - 7.4975
Tropico 4: Collectors Bundle - 9.9975
Tropico 4 - 7.4975
Tropico 4 - Junta Military DLC - 1.2475
Tropico 4 - Quick-Dry-Cement DLC - 1.2475
Omerta: City of Gangsters: The Con Artist - 2.495
Anna: Extended Edition - 4.995
Omerta: City of Gangsters: Damsel in Distress - 2.495
Jagged Alliance: Collector's Bundle - 9.9975
Omerta: City of Gangsters: The Arms Industry - 2.495
DARK - 19.995
Tropico Trilogy - 4.9975
Tropico 4: Military Junta DLC - 1.2475
Tropico 4: Voodoo - 1.2475
Tropico 4: Voodoo - 1.2475
Port Royale 3 Gold - 7.4975
Tropico Collection - 9.9925
Tropico 4 - Plantador Production DLC - 1.2475
Tropico 4: Quick-dry Cement DLC - 1.2475
Jagged Alliance - Back in Action - 9.9975
Tropico 4 - Modern Times DLC - 4.9975
Manhunter - 4.99
Euro Truck Simulator 2 - 11.99
Alien Breed : Assault - 2.49
Alien Breed : Descent - 2.49
Alien Breed : Impact - 2.49
Alien Breed Trilogy - 4.59
Superfrog HD - 2.49
Worms - 1.99
Worms Armageddon - 7.49
Worms Blast - 1.99
Worms Clan Wars - 12.49
Worms Collection - 22.49
Worms Crazy Golf - 2.49
Worms Pinball - 1.99
Worms Reloaded Game of the Year Edition - 6.25
Worms Revolution - 7.49
Worms Revolution Season Pass - 7.49
Worms Ultimate Mayhem - 3.75
http://www.amazon.com/dp/B007WWW2C8 The Walking Dead - 6.25
http://www.amazon.com/dp/B00DRKJ7VI The Walking Dead: 400 Days - 1.25
http://www.amazon.com/dp/B00ELJRCDO Walking Dead Pack - 7.49
Duck Tiles - 1.99
Bulldozer - 1.99
SQUIDS - 1.75
The Bridge - 4.99
Spectromancer + League of Heroes + Truth and Beauty + Gathering of Power Bundle - 1.99
Chivalry: Medieval Warfare - 12.49
ANNO 2070 - The Eden Project Complete Pack DLC - 5.2
ANNO 2070 - The Financial Crisis Complete Pack - 5.2
ANNO 2070 - 19.49
Assassin's Creed 2 - 12.99
Assassin's Creed 2 Deluxe Edition - 12.99
Assassin's Creed Brotherhood [Mac Download] - 12.99
Assassin's Creed II [Mac Download] - 12.99
Assassin's Creed Revelations - Gold Edition - 19.49
Assassin's Creed Revelations - Mediterranean Traveler Map Pack DLC - 6.49
Assassin's Creed Revelations - The Ancestors Character Pack DLC - 2.59
Assassin's Creed Revelations - The Lost Archive DLC - 6.49
Assassin's Creed Revelations - 12.99
Assassin's Creed: Brotherhood - 12.99
Assassin's Creed: Brotherhood Deluxe Edition - 19.49
Assassin's Creed: Director's Cut Edition - 12.99
Babel Rising - Mac - 6.49
Babel Rising - Sky's the Limit DLC - 1.94
Babel Rising - Sky's the Limit DLC Mac - 1.94
Babel Rising - 6.49
Beyond Good & Evil - 6.49
Blazing Angels 2: Secret Missions of WWII - 6.49
Blazing Angels Squadrons of WWII - 6.49
Brain Spa - 6.49
Brothers in Arms Earned in Blood - 6.49
Brothers in Arms Road to Hill 30 - 6.49
Call of Juarez 2: Bound in Blood - 6.49
Call of Juarez: The Cartel - 12.99
Cold Fear - 6.49
CSI: Crime Scene Investigation: Hard Evidence - 6.49
CSI: Deadly Intent - 6.49
CSI: Fatal Conspiracy - 12.99
Dark Messiah: Might & Magic - 6.49
Dawn of Discovery Gold - 12.99
Dawn of Discovery: Venice - 6.49
Driver San Francisco - Deluxe Edition - 16.24
Driver San Francisco - Standard Edition - 12.99
Driver San Francisco [Mac Download] - 12.99
Driver: Parallel Lines - 6.49
Far Cry - 32 Bit OS Only - 6.49
Far Cry 2: Fortune's Edition - 6.49
From Dust - 9.74
Heritage of Kings: The Settlers - 6.49
Heroes of Might and Magic V - 6.49
Heroes of Might and Magic V: Hammers of Fate - 6.49
Heroes of Might and Magic V: Tribes of the East - 6.49
Heroes Over Europe - 6.49
I Am Alive - 9.74
IL-2 STURMOVIK: CLIFFS OF DOVER - 12.99
Lock On - 6.49
Mad Riders - Daredevil Map Pack - 1.94
Mad Riders - 6.49
Might & Magic Clash Of Heroes - 6.49
Might & Magic Heroes VI: Pirates of the Savage Sea Adventure Pack - 6.49
Might & Magic: Clash of Heroes - I Am the Boss DLC Pack - 1.94
NCIS - 6.49
Peter Jackson's King Kong - 6.49
Petz Catz 2 - 6.49
Petz Horsez 2: Pippa Funnell Rescue Ranch - 6.49
Petz Sports - 6.49
Prince of Persia - 6.49
Prince of Persia: The Sands of Time - 6.49
Prince of Persia: The Two Thrones - 6.49
Prince of Persia: Warrior Within - 6.49
R.U.S.E. - 6.49
R.U.S.E. - 6.49
R.U.S.E. DLC 3 - 6.49
R.U.S.E: The Chimera DLC-Pack - 4.54
Rayman 3 Hoodlum Havoc - 6.49
Rayman Origins - 12.99
Rayman Raving Rabbids - 6.49
Shaun White Skateboarding - 6.49
Shaun White Snowboarding - 6.49
Splinter Cell Conviction - Insurgency Pack - 6.49
Tom Clancy's EndWar - 6.49
Tom Clancy's Ghost Recon Advanced Warfighter - 6.49
Tom Clancy's Ghost Recon Advanced Warfighter 2 - 6.49
Tom Clancy's H.A.W.X 2 - 6.49
Tom Clancy's H.A.W.X 2 Deluxe - 9.74
Tom Clancy's H.A.W.X. - 6.49
Tom Clancy's H.A.W.X. 2 : The Open Skies - 6.49
Tom Clancy's Rainbow Six Lockdown [Game Download] - 6.49
Tom Clancy's Rainbow Six Vegas - 6.49
Tom Clancy's Rainbow Six Vegas 2 - 6.49
Tom Clancy's Splinter Cell - 6.49
Tom Clancy's Splinter Cell Chaos Theory - 6.49
Tom Clancy's Splinter Cell Conviction [Mac Download] - 12.99
Tom Clancy's Splinter Cell Conviction Deluxe - 12.99
Tom Clancy's Splinter Cell Double Agent - 6.49
EVE Online: Starter Pack - Caldari Bounty Hunter - 4.99
Eve Online: Starter Pack - Caldari Explorer - 4.99
EVE Online: Starter Pack - Asteroid Miner - 4.99
EVE Online: Starter Pack - Minmatar Arms Dealer - 4.99
EVE Online: Starter Pack - Plasma Planet Command - 4.99
Metro 2033 - 7.49
Metro Last Light - 26.99
Metro Last Light: Ranger Mode DLC - 3.33
Metro: Last Light - Season Pass - 9.99
Metro: Last Light RPK Weapon DLC - 0.66
Metro Franchise Pack - 36.66
Saints Row: The Third - 9.99
Saints Row the Third - The Full Package - 14.99
Saints Row 2 - 7.49
Saints Row IV - 33.33
Saints Row Franchise Pack - 53.32
Pro Cycling Manager 2013 - 14.99
Pro Cycling Manager 2013 - 14.99
Wargame Airland Battle - 13.59
Magrunner: Dark Pulse [Thin Game Download] - 6.79
Mars: War Logs - 6.79
Cities XL Platinum - 7.49
Cities XL Platinum - 7.49
Blood Bowl: Chaos Edition - 7.49
The Testament of Sherlock Holmes - 7.49
The Testament of Sherlock Holmes - 7.49
Adventure Bundle - 14.99
RPG Bundle - 34.99
Game of Thrones - 9.99
DLC Quest - 0.99
Impire: Creatures of the Night DLC - 0.99
Cities in Motion 2 - Lofty Landmarks DLC - 1.49
Cities in Motion 2 - Lofty Landmarks DLC - 1.49
Cities in Motion 2: Metro Madness DLC - 2.49
Cities in Motion 2: Metro Madness DLC - 2.49
Cities in Motion II: Bus Mania - 2.49
Cities in Motion II: Bus Mania - 2.49
Cities in Motion II: Metro Madness - 2.49
Cities in Motion II: Metro Madness - 2.49
Cities in Motion II: Trekking Trolleys - 2.49
Cities in Motion II: Trekking Trolleys - 2.49
Cities in Motion II: Wending Waterbuses - 2.49
Cities in Motion II: Wending Waterbuses - 2.49
Hearts of Iron III - 4.99
Hearts of Iron III - 4.99
Magicka - 4.99
Cities in Motion II - 9.99
Cities in Motion II - 9.99
Impire - 9.99
Magicka Collection - 9.99
War of the Roses Kingmaker - 9.99
Europa Universalis III Chronicles - 14.99
Hearts of Iron III Collection - 14.99
Hearts of Iron III Collection - 14.99
Mount & Blade Collection - 14.99
Crusader Kings II - 19.99
The Asskickers - 3.1936
FTL: Faster Than Light - 5
FTL: Faster Than Light - 5
FTL: Faster Than Light - 5
FTL: Faster Than Light - 5
Megabyte Punch - 7.49
Critical Mass - 0.49
Metal Dead - 1.25
Tiny & Big in: Grandpa's Leftovers Soundtrack Edition - 3.5
Tiny & Big in: Grandpa's Leftovers Soundtrack Edition - 3.5
Tiny & Big in: Grandpa's Leftovers Sountrack Edition - 3.5
Tiny & Big in: Grandpa's Leftovers Soundtrack Edition - 3.5
Tiny & Big in: Grandpa's Leftovers - 2.5
Tiny & Big in: Grandpa's Leftovers - 2.5
Tiny & Big in: Grandpa's Leftovers - 2.5
Tiny & Big in: Grandpa's Leftovers - 2.5
Street Fighter X Tekken - 14.99
Street Fighter X Tekken Complete Pack - 29.99
Risen - 4.99
Risen 2 : Dark Waters - 9.99
Risen 2: Dark Waters - A Pirate's Clothes DLC - 1.49
Risen 2: Dark Waters - Treasure Isle DLC - 4.99
Risen 2: Dark Waters - The Air Temple DLC - 4.99
Risen 2 Bundle - 14.99
Risen Franchise Pack - 19.99
Sacred 2 Gold - 9.99
Sacred Citadel - 7.49
Sacred Citadel - Jungle Hunt - 2.49
Sacred Franchise Pack (Citadel, S2G, DLC) - 14.99
Dead Island Game of the Year Edition - 9.99
Dead Island Riptide - 19.99
Dead Island Riptide: Fashion Victim DLC - 1.33
Dead Island Riptide: Survivor Pack DLC - 3.33
Dead Island Franchise Pack (GOTY, Riptide + DLCs) - 33.49
Secret Files - Tunguska - 4.99
Secret Files 2 - Puritas Cordis - 4.99
Secret Files 3 - 9.99
THE SIMS 3 70s, 80s, & 90s STUFF (PC/MAC) - 9.99
THE SIMS 3 Diesel STUFF PACK (PC/MAC) - 9.99
THE SIMS 3 DRAGON VALLEY (PC/MAC) - 9.99
THE SIMS 3 FAST LANE STUFF (PC/MAC) - 9.99
THE SIMS 3 GENERATIONS (PC/MAC) - 9.99
THE SIMS 3 HIDDEN SPRINGS - 9.99
THE SIMS 3 HIGH-END LOFT STUFF (PC/MAC) - 9.99
THE SIMS 3 INTO THE FUTURE (PC/MAC) - 22.49
THE SIMS 3 MASTER SUITE STUFF (PC/MAC) - 9.99
THE SIMS 3 MONTE VISTA (PC/MAC) - 9.99
THE SIMS 3 MOVIE STUFF (PC/MAC) - 9.99
THE SIMS 3 OUTDOOR LIVING STUFF (PC/MAC) - 9.99
THE SIMS 3 PETS (PC/MAC) - 9.99
THE SIMS 3 SHOWTIME (PC/MAC) - 9.99
THE SIMS 3 SUPERNATURAL (PC/MAC) - 9.99
THE SIMS 3 TOWN LIFE STUFF (PC/MAC) - 9.99
THE SIMS 3 WORLDS BUNDLE - 9.99
THE SIMS MEDIEVAL (PC/MAC) - 9.99
THE SIMS MEDIEVAL PIRATES AND NOBLES (PC/MAC) - 9.99
MASS EFFECT 3 - 6.99
MASS EFFECT 3 - 6.99
BULLETSTORM - 4.99
DEAD SPACE - 4.99
DEAD SPACE 2 - 4.99
MASS EFFECT - 4.99
MASS EFFECT 2 - 4.99
SIM CITY 4 DELUXE - 4.99
SYNDICATE - 4.99
THE SIMS 3 AMBITIONS (PC/MAC) - 14.99
THE SIMS 3 LATE NIGHT (PC/MAC) - 9.99
THE SIMS 3 PLUS SHOWTIME (PC/MAC) - 14.99
THE SIMS 3 PLUS SUPERNATURAL (PC/MAC) - 14.99
THE SIMS 3 STARTER PACK - 14.99
THE SIMS 3 UNIVERSITY LIFE (PC/MAC) - 14.99
THE SIMS 3 WORLD ADVENTURES (PC/MAC) - 9.99
MASS EFFECT 3 DIGITAL DELUXE - 9.99
BATTLEFIELD: BAD COMPANY 2 ULTIMATE DIGITAL COLLECTION - 8.99
MEDAL OF HONOR ULTIMATE DIGITAL COLLECTION - 8.99
SPORE ULTIMATE DIGITAL COLLECTION - 9.99
THE SIMS 3 ISLAND PARADISE (PC/MAC) - 19.99
THE SIMS 3 PLUS PETS (PC/MAC) - 19.99
THE SIMS 3 SEASONS (PC/MAC) - 19.99
ALICE: MADNESS RETURNS THE COMPLETE COLLECTION - 7.49
CRYSIS 2 MAXIMUM - 7.49
CRYSIS MAXIMUM - 7.49
MASS EFFECT 2 DIGITAL DELUXE EDITION - 7.49
THE SIMS 3 DELUXE (PC/MAC) - 24.49
THE SIMS 3 PLUS ISLAND PARADISE (PC/MAC) - 24.49
Burning Hot Bundle - 5.99
Kingdoms of Amalur Complete Bundle - 8.49
Vintage Sports Pack - 8.49
Medal of Honor Warfighter pack (Game + DLC) - 7.49
Have Faith Bundle - 4.99
Europa Universalis IV - 19.99
Europa Universalis IV Digital Extreme Edition - 22.29
Memoria - 13.19
The Night of the Rabbit - 9.99
1 PLEX: EVE Online [Game Connect] - 16.95
2 PLEX: EVE Online [Game Connect] - 29.75
6 PLEX: EVE Online [Game Connect] - 89.25
12 PLEX: EVE Online [Game Connect] - 178.49
28 PLEX: EVE Online [Game Connect] - 416.49
1 Month Subscription: EVE Online [Game Connect] - 11.25
3 Months Subscription: EVE Online [Game Connect] - 29.13
6 Months Subscription: EVE Online [Game Connect] - 53.77
12 Months Subscription: EVE Online [Game Connect] - 98.55
Painkiller Hell & Damnation Collector's Edition - 5.49
Rooks Keep - 4.99

*Starts 11/22/2013*

S.T.A.L.K.E.R. Call of Pripyat - 9.995
Expeditions: Conquistador - 13.3933
Thunder Wolves - 6.6933
Air Conflicts: Pacific Carriers - 9.995
Galaxy on Fire 2 HD - 9.995
Party of Sin - 2
Party of Sin - 2
Papo & Yo - 3.7475
Papo & Yo (Game and Soundtrack Edition) - 4.2475

*Starts 11/23/2013*

The Book of Unwritten Tales Deluxe Edition - 4.99
The Book of Unwritten Tales Deluxe Edition - 4.99
reef Shot - 2.99

*Starts 11/24/2013*

Inspector Cyndi in Newport--UNFINISHED SYMPHONY - 4.99
Inspector Cyndi in Newport--FALL FROM GRACE - 4.99
Crossed Quotes - 2.49
Jewels of the Nile - 2.99
Crystal Caverns of Amon-Ra - 2.99
Billiards Champ - 2.99
101 Pony Pets - 2.99
Dynasty of Egypt - 2.99
Supreme Commander: Forged Alliance - 2.99
Supreme Commander - 2.99

*Starts 11/25/2013*

Party of Sin - 5
Party of Sin - 5
Kilgazar (Desura) - 2.99
Kilgazar - 2.99
Kilgazar - 2.99
Kilgazar (Desura) - 2.99

*Starts 11/26/2013*

Hell Yeah! - 4.99
Hell Yeah! Virtual Rabbit Missions DLC - 1.87
Hell Yeah! Pimp my Rabbit DLC - 1.02
Hell Yeah! Collection - 6.29
Renegade Ops - 4.79
Renegade Ops 4 pack - 9.99
Reinforcement Pack - 1.0465
Cold Strike Campaign - 1.69
Renegade Ops Collection - 5.29
Red Faction Armageddon - 3.99

*Starts 11/27/2013*

Test Drive: Ferrari Racing Legends - 14.99
Pat Sajak's Lucky Letters - 4.99
Indigo Prophecy - 4.99
Project Runway - 9.99
Test Drive Unlimited 2 - 9.99
911: First Responders - 9.99
Backyard Sports: Rookie Rush - 14.99
Ghostbusters: The Video Game - 4.99
Haunted House - 9.99
Ghostbusters: Sanctum of Slime - 4.99
Yars Revenge - 4.99
Star Raiders - 4.99
Puzzler World - 9.99
Rollercoaster Tycoon 2: Triple Thrill Pack - 4.99
Rollercoaster Tycoon 3: Platinum - 9.99
Swashbucklers - 4.99
Tactical Ops - 9.99
The UnderGarden - 4.99
Baldur's Gate Enhanced Edition - 9.99
Rollercoaster Tycoon Pack (Rollercoaster Tycoon 3: plat + Roller coaster Tycoon 2 - 9.99
Test Drive Pack (Ferrari racing + Unlimited 2) - 14.99
Empire: Total War - Gold Edition - 19.99
Napoleon: Total War - Gold Edition - 14.99
Rome: Total War Gold Edition [Mac Download] - 12.5
Tribes: Ascend Game of the Year Edition - 7.49
Inversion - 4.99
Dark Souls: Prepare To Die Edition - 7.49
Ace Combat: Assault Horizon - 7.49
Star Trek - 4.99
RIDGE RACER Unbounded - 4.99
MUD - FIM Motorcross World Championship - 7.49
Pac-Man and the Ghostly Adventures - 19.99
Pac-Man Championship Edition DX+ - 4.99
Enslaved: Odyssey to the West Premium Edition - 9.99
Mishap 2: An Intentional Haunting - 2.49
Mishap 2: An Intentional Haunting - 3.49
Stroke of Midnight Collector's Edition - 3.49
Stroke of Midnight Standard Edition - 2.49
Stroke of Midnight Collector's Edition - 3.49
Stroke of Midnight Standard Edition - 2.49
Antiques Roadshow - 2.49
Burger Time Deluxe - 1.69
Cat Wash - 1.69
Dig Dug - 0.99
Everything Nice - 1.69
Garters & Ghouls - 1.19
Gwen the Magic Nanny - 1.69
Journabullet Journey: The Eye of Odin - 1.69
Knightfall: Death and Taxes - 1.69
Mishap: An Accidental Haunting - 0.99
PAC-MAN - 0.99
PAC-MAN Pizza Parlor - 1.69
Pool Pro Online 3 - 2.49
Star Trigon - 1.69
The Otherside: Realm of Eons - 0.99
Tinseltown Dreams - The 50's - 1.69
Sniper Elite V2 - 5.99
Rogue Trooper - 1.49
Sniper Elite V2 - Kill Hitler DLC Pack - 2.39
Sniper Elite V2 - The Neudorf Outpost DLC Pack - 1.49
Sniper Elite V2 - The Landwehr Canal DLC Pack - 1.49
Sniper Elite: Nazi Zombie Army - 4.49
Sniper Elite: Nazi Zombie Army 4 Pack - 11.99
Sniper Elite V2 Bundle - 9.99
The Lord of the Rings Online: Quad Pack - 19.99
The Lord of the Rings Online: Riders of Rohan - 9.99
The Lord of the Rings Online: Samwise Gamgee's Starter Pack - 6.99
Dungeons & Dragons Online: Shadowfell Conspiracy Standard Edition - 14.99
Dungeons & Dragons Online: Shadowfell Conspiracy Collector's Edition - 24.99
Making History II: The War of the World - 4.99

*Starts 11/28/2013*

http://www.amazon.com/dp/B0098QPPL6 Battlefield 3: Premium Edition - 13.99
http://www.amazon.com/dp/B0087STJLS Battlefield 3: Premium Service - 11.49
http://www.amazon.com/dp/B008MNJYI6 Battlefield 3 Ultimate Shortcut Bundle - 9.49
http://www.amazon.com/dp/B00DNHLFQA Command & Conquer The Ultimate Collection [PC Instant Access] - 7.49
http://www.amazon.com/dp/B009IR1SR0 Command and Conquer The Ultimate Collection - 7.49
NiGHTS into Dreams - 3.39
Sonic Adventure 2 - 3.39
Sonic Adventure 2 Battle Mode DLC - 1.02
http://www.amazon.com/dp/B00AWRPEJI Sonic and SEGA All-Stars Racing Transformed - 4.99
Sonic and SEGA All-Stars Racing Transformed 4-Pack - 14.99
Binary Domain - 4.99
Binary Domain Collection - 7.79
Final Fantasy XIV: A Realm Reborn - 14.99
Final Fantasy XIV: A Realm Reborn Collector's Edition - 24.99
Joe Danger - 5.996
Joe Danger 2: The Movie - 5.996
Joe Danger Bundle - 9.996
Risen - 1.99
Risen 2 : Dark Waters - 3.99
Risen 2: Dark Waters - A Pirate's Clothes DLC - 0.6
Risen 2: Dark Waters - Treasure Isle DLC - 1.99
Risen 2: Dark Waters - The Air Temple DLC - 1.99
Risen 2 Bundle - 5.99
Risen Franchise Pack - 7.99
Sacred 2 Gold - 5
Sacred Citadel - 3.75
Sacred Citadel - Jungle Hunt - 1.25
Sacred Franchise Pack (Citadel, S2G, DLC) - 7.5
Dead Island Game of the Year Edition - 4.99
Dead Island Riptide - 7.5
Dead Island Riptide: Fashion Victim DLC - 0.6
Dead Island Riptide: Survivor Pack DLC - 1.25
http://www.amazon.com/dp/B00GJ1XDJY Dead Island Franchise Pack (GOTY, Riptide + DLCs) - 12.49
Secret Files - Tunguska - 2.5
Secret Files 2 - Puritas Cordis - 2.5
Secret Files 3 - 4.99
BioShock [Mac Download] - 4.99
BioShock 2 [Mac Download] - 4.99
Titan Quest Gold - 3.99
Street Fighter X Tekken - 7.49
Street Fighter X Tekken Complete Pack - 14.99
Sonic Generations - 7.49
Sonic Generations Casino Night DLC - 0.39
Sonic The Hedgehog 4 Episode 1 - 2.49
Sonic The Hedgehog 4 Episode 2 - 3.7475
Viking: Battle For Asgard - 3.7475
Total War: ROME II - 39.99
Total War: ROME II: Greek States Culture Pack - 5.9925
Warhammer 40,000: Dawn of War II - 4.99
Warhammer 40,000: Dawn of War II - Chaos Rising - 4.99
Warhammer 40,000: Dawn of War II: Retribution - 7.49
Total War Master Collection - 16.99
Warhammer 40,000: Dawn of War II: Complete Collection - 24.99
Rocksmith - 7.49
Might & Magic Heroes VI: Complete Edition - 9.99
Anno 2070 Complete Edition - 12.49
Tom Clancy's Ghost Recon Future Soldier - 4.99
Tom Clancy's Ghost Recon Future Soldier - Deluxe Edition - 7.99
Tom Clancy's Splinter Cell Blackbullet - 29.99
Rayman Legends - 19.99
Batman: Arkham Origins - 19.99
LEGO Marvel Heroes - 19.99

*Starts 11/29/2013*

30 Day Membership: RuneScape 3 [Game Connect] - 3.95
Stellar Impact - Artillery Ship DLC - 0.49
Stellar Impact - Carrier Ship DLC - 0.49
Stellar Impact - Support Ship DLC - 0.49
Stellar Impact - Science Vessel DLC - 0.49
Stellar Impact - Support Ship DLC - 0.49
Stellar Impact - Artillery Ship DLC - 0.49
Stellar Impact - Carrier Ship DLC - 0.49
Stellar Impact - Science Vessel DLC - 0.49
RIP Trilogy - 1.24
Specforce - 1.24
Alpha Prime - 1.24
Biathlon 2009 - 1.24
Chains - 1.24
Greed - 1.24
GTI Racing - 1.24
Ice Land 2 - 1.24
Nikopol-Secret of the Immortals - 1.24
Obulis - 1.24
Race Team Manager - 1.24
Space Trader - 1.24
Vigil: Blood Bitterness - 1.24
Winter Sports 2009 - 1.24
Vigil: Blood Bitterness - 1.24
RIP Trilogy - 1.24
Chains - 1.24
Obulis - 1.24
Nikopol-Secret of the Immortals - 1.24
Alpha Prime - 1.24
Deadly 30 - 1.24
Hacker Evolution: Untold - 1.49
The Chosen-Well of Souls - 1.49
Chrome - 1.79
Chrome - 1.79
Battle Mages - 1.99
Gear Grinder - 1.99
Daemonica - 2.49
Shadowgrounds - 2.49
Tank Universal - 2.49
Tank Universal - 2.49
Stellar Impact - 2.49
Grotesque Tactics: Evil Heroes - 2.49
Bridge Constructor - 2.49
Family Vacation - 2.49
The Secret Legacy A Kate Brooks Adventure - 2.49
Scratches - Director's Cut - 2.49
Trapped Dead - 2.49
Post Apocalyptic Mayhem - 2.49
Al Emmo and The Lost Dutchman's Mine - 2.49
Australia Zoo Animal Links - 2.49
Avencast: Rise of the Mage - 2.49
Bus Driver - 2.49
Crash Time 2 - 2.49
Dark Matter - 2.49
Future Wars - 2.49
Hacker Evolution - 2.49
Hard Truck: Rise of the Clans - 2.49
Operation Matriarchy - 2.49
Penguins Arena - 2.49
Space Hack - 2.49
Xpand Rally Xtreme - 2.49
Wasteland Angel - 2.49
The Secret Legacy A Kate Brooks Adventure - 2.49
Crash Time 2 - 2.49
Avencast: Rise of the Mage - 2.49
Future Wars - 2.49
Space Trader - 2.49
Grotesque Tactics: Evil Heroes - 2.49
Scratches - Director's Cut - 2.49
Stellar Impact - 2.49
Trapped Dead - 2.49
Penguins Arena - 2.49
Grotesque Tactics 2 Dungeons and Donuts - 2.49
Unstoppable Gorg - 2.49
Battle Mages: Sign of Darkness - 3.79
Hot Dog King - 3.79
Pacific Storm - 3.79
Pacific Storm Allies - 3.79
Shadowgrounds Survivor - 3.79
Pacific Storm Allies - 3.79
Pacific Storm - 3.79
Steller Impact bundle - 3.99
Grotesque Tactics 2 Dungeons and Donuts - 4.99
Big Rig Europe - 4.99
Deer Drive - 4.99
Great Journey - 4.99
Dark Bundle - 6.49
Grotesque pack - 6.49
M4 Danger Pack - 8.29
M4 Family Pack - 8.49
M4 Action Pack - 9.29
Stronghold Crusader HD - 6.99
Space Colony HD - 6.99
BOUNCEBACK- Stronghold HD FREE with Purchase of Stronghold Kingdoms (B0083LD2TE) - 0
Mighty Castle Pack: Stronghold Kingdoms [Instant Access] - 4.99
Top Gun Hard Lock - 2.49
http://www.amazon.com/dp/B00DCDTSRI PAYDAY 2 - 9.99
http://www.amazon.com/dp/B00DGD0DUK PAYDAY 2 4-Pack - 29.99
TAKEDOWN: Red Sabre - 3.68
Brothers - A Tale of Two Sons - 7.49
Marlow Briggs and the Mask of Death - 7.49
How to Survive - 7.49
Fast and Furious: Showdown - 19.99
The Walking Dead: Survival Instinct - 24.99
The Walking Dead: Survival Instinct - Walker Herd Survival Pack - 2.49
Cabela's Bundle - 24.99
Cabela's Dangerous Hunts 2013 - 14.99
Cabela's Hunting Expeditions - 14.99
Caesar III - 1.49
Transformers: Fall of Cybertron - 29.99
Transformers: War for Cybertron - 9.99
Transformers: War for Cybertron - 9.99
Prototype - 9.99
Prototype - 9.99
Prototype 2 - 19.99
Blockland - 4.99
Blockland - 4.99
3,500 Marvelous Coins: Pandora Saga [Game Connect] - 2.5
7,000 Marvelous Coins: Pandora Saga [Game Connect] - 5
14,000 Marvelous Coins: Pandora Saga [Game Connect] - 10
35,000 Marvelous Coins: Pandora Saga [Game Connect] - 25
70,000 Marvelous Coins: Pandora Saga [Game Connect] - 50
3,500 Marvelous Coins: Shin Megami Tensei: Imagine [Game Connect] - 2.5
7,000 Marvelous Coins: Shin Megami Tensei: Imagine [Game Connect] - 5
14,000 Marvelous Coins: Shin Megami Tensei: Imagine [Game Connect] - 10
35,000 Marvelous Coins: Shin Megami Tensei: Imagine [Game Connect] - 25
70,000 Marvelous Coins: Shin Megami Tensei: Imagine [Game Connect] - 50
3,500 Marvelous Coins: Battle Space [Game Connect] - 2.5
7,000 Marvelous Coins: Battle Space [Game Connect] - 5
14,000 Marvelous Coins: Battle Space [Game Connect] - 10
35,000 Marvelous Coins: Battle Space [Game Connect] - 25
70,000 Marvelous Coins: Battle Space [Game Connect] - 50
GRID 2 - 15.99
F1 2012 - 12.49
Dirt 3 - 12.49
Dirt Showdown - 14.99
GRID - 7.49
F1 2011 - 14.99
Operation Flashpoint Red River - 7.49
Operation Flashpoint Dragon Rising - 7.49
Overlord - 1.99
Overlord 2 - 4.99
F1 2010 - 12.49
Hospital Tycoon - 1.99
Clive Barkers Jericho - 1.99
Overlord Raising Hell - 4.99
Rise of the Argonauts - 4.99
Maelstrom: The Battle for Earth Begins - 1.99
Damnation - 4.99
F1 Race Stars - 9.79
Codemaster Action Pack - 9.49
F1 2013 - 31.99
F1 2013 Classic Edition - 41.49
Racing Pack (GRID + Dirt 3 + Dirt Showdown) - 9.99
Crysis 3 Complete Pack - 9.99
Dead Space 3 Complete Pack - 15.99
Need for Speed Bundle - 19.99
The Secret World - 10.19
MonstaFish - 1.99
Frozen Hearth - 8.25
Uprising 44: The Silent Shadows - 4.99
Bounders & Cads - 2.49
Tabletop Defense - 3.33
Don't Starve - 7.495
Castlevania: Lords of Shadow - Ultimate Edition - 14.99
Pro Soccer Evolution 2014 -
Kingdom Tales - 6.6933
1953 KGB Unleashed - 9.995
Agricultural Simulator 2012 - 4.995
Bridge Project - 9.995
Farming Giant - 9.995
I Am Vegend - 4.995
Agricultural Simulator 2011 Gold Edition - 3.7475
Chernobyl Terrorist Attack - 2.4975
Farm 2 - 2.4975
GTR Evolution - 3.7475
Hotel - 1.7475
Snowcat Simulator 2011 - 4.9975
Sudokuball Detective - 2.4975
The Surfer - 2.4975
Where Angels Cry - 2.4975
Woodcutter Simulator 2012 - 4.9975
Zooloretto - 2.4975
Papo & Yo - 3.7475
Papo & Yo (Game and Soundtrack Edition) - 4.2475
Europa Universalis IV - 19.99
Europa Universalis IV Digital Extreme Edition - 22.29
Paradox Action Pack - 5.99
Paradox Grand Strategy Pack - 14.99
Aliens vs. Predator - 3.59
Swarm Pack - 1.87
Bughunt - 1.87
Aliens vs. Predator Collection - 5.99
Jet Set Radio - 2.49
Alpha Protocol - 3.74
Space Siege - 3.74
10 Gold: Age of Wushu [Instant Access] - 2.7
100 Gold: Age of Wushu [Instant Access] - 27
200 Gold: Age of Wushu [Instant Access] - 54
30 Gold: Age of Wushu [Instant Access] - 8.1
300 Gold: Age of Wushu [Instant Access] - 81
50 Gold: Age of Wushu [Instant Access] - 13.5
It came from space, and ate our brains - 0.99
Defiance - 4.99
Defiance Digital Deluxe Edition - 14.99
Defiance Digital Deluxe Upgrade - 9.99
Bastion - 3.69
FEAR Ultimate Shooter Edition - 2.49
LEGO Batman - 4.99
LEGO Batman 2: DC Super Heroes - 7.49
LEGO Batman Pack - 11.49
LEGO Harry Potter: Years 5-7 - 4.99
LEGO Harry Potter: Years 1-4 - 4.99
LEGO Lord of the Rings - 7.49
Mortal Kombat Arcade Kollection - 2.49
Scribblenauts Unmasked - 26.79
Vanguard Princess - 2.5
FIFA 14 - 29.99
FIFA 14 [PC Instant Access] - 29.99
FIFA Manager 14 Legacy Edition - 13.99
Need For Speed Rivals - 35.99
SimCity [PC Instant Access] - 29.99
SimCity - Standard (Online Game Code) - 29.99
SimCity Cities of Tomorrow - 26.99
Sega Fun Pack - 9.99
Tomb Raider: Underworld - 2.99
Lara Croft and the Guardian of Light - 1.99
Hitman Triple Threat Pack - 3.99
Hitman 2: Silent Assassin - 1.99
Hitman: Blood Money - 2.99
Thief Deadly Shadows - 2.99
Thief Gold - 1.99
Thief in the shadows pack - 4.99
The Last Remnant - 2.99
Dungeon Siege 3 Pack - 2.99
Quantum Conundrum + DLC - 6.99
Dungeon Siege - 1.99
Dungeon Siege II - 2.99
Mini Ninja + Quantum + Seasons of Mystery - 9.99
Legacy of Kain Pack - 3.99
http://www.amazon.com/dp/B00GJ2I1UE LEGO Heroes Pack (LEGO HP 5-7 + LEGO Batman 2 + LEGO LotR) - 14.99
http://www.amazon.com/dp/B00GJ2I2GW Scribblenauts Pack - 14.99
Call of Duty: Ghosts - 44.99
Call of Duty: Ghosts Hardened Edition - 99.99
DuckTales: Remastered - 7.49
EVE Online: Starter Pack - Caldari Bounty Hunter - 0.99
Eve Online: Starter Pack - Caldari Explorer - 0.99
EVE Online: Starter Pack - Asteroid Miner - 0.99
EVE Online: Starter Pack - Minmatar Arms Dealer - 0.99
Metro 2033 - 3.74
Metro Last Light - 13.6
Metro Last Light: Ranger Mode DLC - 1.7
Metro: Last Light - Season Pass - 5.1
Metro: Last Light RPK Weapon DLC - 0.66
Metro Franchise Pack - 14.99
Saints Row: The Third - 5
Saints Row the Third - The Full Package - 7.5
Saints Row 2 - 3.75
Saints Row IV - 14.99
Saints Row Franchise Pack - 27.2
EVE Online: Starter Pack - Plasma Planet Command - 0.99
Battlefield 4 - 29.99
Battlefield 4 [PC Instant Access] - 29.99
Impire: Creatures of the Night DLC - 0.75
Cities in Motion 2 - Lofty Landmarks DLC - 0.75
Cities in Motion 2 - Lofty Landmarks DLC - 0.75
Cities in Motion 2: Metro Madness DLC - 1.25
Cities in Motion 2: Metro Madness DLC - 1.25
Cities in Motion II: Bus Mania - 1.25
Cities in Motion II: Bus Mania - 1.25
Cities in Motion II: Metro Madness - 1.25
Cities in Motion II: Metro Madness - 1.25
Cities in Motion II: Trekking Trolleys - 1.25
Cities in Motion II: Trekking Trolleys - 1.25
Cities in Motion II: Wending Waterbuses - 1.25
Cities in Motion II: Wending Waterbuses - 1.25
Hearts of Iron III - 2.49
Hearts of Iron III - 2.49
Magicka - 2.49
Cities in Motion II - 4.99
Cities in Motion II - 4.99
Impire - 4.99
Magicka Collection - 4.99
War of the Roses Kingmaker - 4.99
Europa Universalis III Chronicles - 7.49
Hearts of Iron III Collection - 7.49
Hearts of Iron III Collection - 7.49
Mount & Blade Collection - 7.49
Crusader Kings II - 9.99
Tomb Raider - 9.99
Hitman: Absolution - 4.99
Hitman Absolution: Professional Edition - 7.49
http://www.amazon.com/dp/B007VFH3BQ Sleeping Dogs - 4.99
Deus Ex: Human Revolution - Standard Edition - 3.99
Deus Ex: Human Revolution - Augmented Edition - 6.09
Just Cause 2 + DLC - 4.99
Final Fantasy XI: Seekers of Adoulin - 9.99
FINAL FANTASY XI Ultimate Collection Seekers Edition - 14.99
Final Fantasy VII - 5.99
Assassin's Creed III - 7.49
Assassin's Creed III - 7.49
Assassins Creed III: Deluxe Edition - 14.99
Far Cry 3 Deluxe + Far Cry 3 Blood Dragon Bundle - 14.99
Might&Magic X Legacy Early-Access - 19.99
Far Cry 3 + Far Cry 3 Blood Dragon Bundle - 14.99
Rocksmith 2014 - 39.99
Mortal Kombat Komplete Edition - 14.99


important !important !important
*Starts 11/30/2013*

Party of Sin - 2
Party of Sin - 2
EVE Online: Starter Pack - Caldari Bounty Hunter - 4.99
Eve Online: Starter Pack - Caldari Explorer - 4.99
EVE Online: Starter Pack - Asteroid Miner - 4.99
EVE Online: Starter Pack - Minmatar Arms Dealer - 4.99
EVE Online: Starter Pack - Plasma Planet Command - 4.99
Darksiders - 3.99
Darksiders II - 9.99
Darksiders II Season Pass (DLC) - 3.99
Street Fighter X Tekken - 14.99
Street Fighter X Tekken Complete Pack - 29.99
Metro 2033 - 7.49
Metro Last Light - 26.99
Metro Last Light: Ranger Mode DLC - 3.33
Metro: Last Light - Season Pass - 9.99
Metro: Last Light RPK Weapon DLC - 0.66
Metro Franchise Pack - 36.66
Saints Row: The Third - 9.99
Saints Row the Third - The Full Package - 14.99
Saints Row 2 - 7.49
Saints Row IV - 33.33
Saints Row Franchise Pack - 53.32
Impire: Creatures of the Night DLC - 0.99
Cities in Motion 2 - Lofty Landmarks DLC - 1.49
Cities in Motion 2 - Lofty Landmarks DLC - 1.49
Cities in Motion 2: Metro Madness DLC - 2.49
Cities in Motion 2: Metro Madness DLC - 2.49
Cities in Motion II: Bus Mania - 2.49
Cities in Motion II: Bus Mania - 2.49
Cities in Motion II: Metro Madness - 2.49
Cities in Motion II: Metro Madness - 2.49
Cities in Motion II: Trekking Trolleys - 2.49
Cities in Motion II: Trekking Trolleys - 2.49
Cities in Motion II: Wending Waterbuses - 2.49
Cities in Motion II: Wending Waterbuses - 2.49
Hearts of Iron III - 4.99
Hearts of Iron III - 4.99
Magicka - 4.99
Cities in Motion II - 9.99
Cities in Motion II - 9.99
Impire - 9.99
Magicka Collection - 9.99
War of the Roses Kingmaker - 9.99
Europa Universalis III Chronicles - 14.99
Hearts of Iron III Collection - 14.99
Hearts of Iron III Collection - 14.99
Mount & Blade Collection - 14.99
Crusader Kings II - 19.99
Battlefield 4 - 39.99
Battlefield 4 [PC Instant Access] - 39.99

*Starts 12/01/2013*

Trainz Trouble - 2.49
My First Trainz Set - 4.99
Trainz Simulator 12 - 19.99
Trainz Simulator 2010 Engineers Edition - 4.99
Trainz Simulator: Blue Comet Addon Pack [Game Download - 4.99
Trainz Simulator 2009: World Builder Edition [Game Download] - 2.49
Foursquare - 2.49
Slider - 2.49
Word Jungle - 2.49
Casual Strike - 2.99
Jewel Drop - 2.99
Jewel Labyinth - 2.99
Bible Hangman Quest - 2.99
PlayPets: 101 PuppyPets - 2.99
Sonic everywhere pack - 17.49
Neocolonialism - 4
Risen - 4.99
Risen 2 : Dark Waters - 9.99
Risen 2: Dark Waters - A Pirate's Clothes DLC - 1.49
Risen 2: Dark Waters - Treasure Isle DLC - 4.99
Risen 2: Dark Waters - The Air Temple DLC - 4.99
Risen 2 Bundle - 14.99
Risen Franchise Pack - 19.99
Sacred 2 Gold - 9.99
Sacred Citadel - 7.49
Sacred Citadel - Jungle Hunt - 2.49
Sacred Franchise Pack (Citadel, S2G, DLC) - 14.99
Dead Island Game of the Year Edition - 9.99
Dead Island Riptide - 19.99
Dead Island Riptide: Fashion Victim DLC - 1.33
Dead Island Riptide: Survivor Pack DLC - 3.33
Secret Files - Tunguska - 4.99
Secret Files 2 - Puritas Cordis - 4.99
Secret Files 3 - 9.99

*Starts 12/02/2013*

Street Fighter X Tekken - 7.49
Street Fighter X Tekken Complete Pack - 14.99
Metro 2033 - 3.75
Metro Last Light - 13.6
Metro Last Light: Ranger Mode DLC - 1.7
Metro: Last Light - Season Pass - 5.1
Metro: Last Light RPK Weapon DLC - 0.66
Metro Franchise Pack - 18.7
Saints Row: The Third - 4.99
Saints Row the Third - The Full Package - 7.49
Saints Row 2 - 3.75
Saints Row IV - 14.99
Saints Row Franchise Pack - 27.2
Risen - 1.99
Risen 2 : Dark Waters - 4
Risen 2: Dark Waters - A Pirate's Clothes DLC - 0.6
Risen 2: Dark Waters - Treasure Isle DLC - 1.99
Risen 2: Dark Waters - The Air Temple DLC - 1.99
Risen 2 Bundle - 5.99
Risen Franchise Pack - 7.99
Sacred 2 Gold - 4.99
Sacred Citadel - 3.75
Sacred Citadel - Jungle Hunt - 1.25
Sacred Franchise Pack (Citadel, S2G, DLC) - 7.5
Dead Island Game of the Year Edition - 5
Dead Island Riptide - 7.5
Dead Island Riptide: Fashion Victim DLC - 0.6
Dead Island Riptide: Survivor Pack DLC - 1.25
Dead Island Franchise Pack (GOTY, Riptide + DLCs) - 12.5
Secret Files - Tunguska - 2.5
Secret Files 2 - Puritas Cordis - 2.5
Secret Files 3 - 5
Battlefield 3 - 4.79
Battlefield 3 [PC Instant Access] - 4.79
Impire: Creatures of the Night DLC - 0.75
Cities in Motion 2 - Lofty Landmarks DLC - 0.75
Cities in Motion 2 - Lofty Landmarks DLC - 0.75
Cities in Motion 2: Metro Madness DLC - 1.25
Cities in Motion 2: Metro Madness DLC - 1.25
Cities in Motion II: Bus Mania - 1.25
Cities in Motion II: Bus Mania - 1.25
Cities in Motion II: Metro Madness - 1.25
Cities in Motion II: Metro Madness - 1.25
Cities in Motion II: Trekking Trolleys - 1.25
Cities in Motion II: Trekking Trolleys - 1.25
Cities in Motion II: Wending Waterbuses - 1.25
Cities in Motion II: Wending Waterbuses - 1.25
Hearts of Iron III - 2.49
Hearts of Iron III - 2.49
Magicka - 2.49
Cities in Motion II - 4.99
Cities in Motion II - 4.99
Impire - 4.99
Magicka Collection - 4.99
War of the Roses Kingmaker - 4.99
Europa Universalis III Chronicles - 7.49
Hearts of Iron III Collection - 7.49
Hearts of Iron III Collection - 7.49
Mount & Blade Collection - 7.49
Crusader Kings II - 9.99
Company of Heroes 2: Theatre of War - Case Blue DLC Pack - 4.99
Company of Heroes 2 (Digital Collectors Edition) - 49.99
Company of Heroes 2 (Standard Edition) - 29.99
Company of Heroes 2 Barbarossa Skin Pack - 9.99
Company of Heroes 2 Starter Camo Bundle - 3.99
Company of Heroes 2 Starter Commander Bundle - 4.49
Total War Grand Master Collection - 29.99
Sonic Adventure - 2.2375
Crazy Taxi - 2.2375
SEGA Bass Fishing - 2.2375
Space Channel 5: Part 2 - 2.2375
Dreamcast Collection - 6.99
Warhammer 40,000: Space Marine - 6.99
Warhammer 40,000: Dawn of War 1 & 2 Franchise Collection - 29.99
Company of Heroes - 2.49
Company of Heroes - Opposing Fronts - 4.99
Company of Heroes - Tales of Valor - 4.99
Company of Heroes - Complete Pack - 7.49
Tomb Raider - 9.99
Hitman: Absolution - 4.99
Hitman Absolution: Professional Edition - 7.49
Sleeping Dogs - 4.99
Deus Ex: Human Revolution - Standard Edition - 3.99
Deus Ex: Human Revolution - Augmented Edition - 6.09
Just Cause 2 + DLC - 4.99
Tomb Raider: Underworld - 2.99
Lara Croft and the Guardian of Light - 1.99
Hitman Triple Threat Pack - 3.99
Hitman 2: Silent Assassin - 1.99
Hitman: Blood Money - 2.99
Thief Deadly Shadows - 2.99
Thief Gold - 1.99
Thief in the shadows pack - 4.99
Final Fantasy XI: Seekers of Adoulin - 9.99
FINAL FANTASY XI Ultimate Collection Seekers Edition - 14.99
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g: 0 Posted By: tedhawkins
Views: 129 Replies: 0 Victorinox Forschner Fibrox Bread Knife & Serrated Utility Knife Set $29.91 + $5.99 S/H

http://www.cutleryandmore.com/victorinox-forschner-fibrox/bread-...

High carbon, stainless steel blades are hand finished in Switzerland by skilled craftsmen
Special tempering process is used to resharpen over and over again
Each Victorinox knife is stamped from a single sheet of metal
Patented Fibrox handles are hygienic, dishwasher safe and slip-resistant
All Victorinox cutlery products are backed by a lifetime guarantee
As seen in Cook's Illustrated

Stamped Knives are cut into a shape from a cold rolled piece of steel and then ground, tempered, and sharpened. It requires many less steps than forging and results in a lighter, narrower blade. Stamped knives are easier to produce and therefore less expensive and can be resharpened over and over again. They perform very well and can approach the quality of a forged blade (but not the weight or feel). A stamped knife can usually be identified by the absence of a bolster. Our patented Fibrox handles are hygienic, dishwasher safe and slip-resistant. Victorinox manufactures a complete range of stamped blades with our unique Fibrox handle and are considered the greatest value knife range in the industry. This range is marketed to the professional trade under the RH Forschner Brand.

Quality cutlery utilizes what is called no-stain steel to manufacture its products. It is known for its strength, its ability not to rust, and ability to hold a fine edge. However all steel can and will rust if misused or not cared for. Proper care is required to keep these fine tools look and perform like new. Only quality steel x50CR MO composition with a Rockwell hardness of 55-56 HRC for high edge retention. All blades are conically ground on the full length of the blade as well as ground crosswise. This results in a wider break point with less risk of blade fracturing and less resistance for ease of cutting. This provides, along with the expert manufacturing processes, the exact conditions for a lifetime of sharp edge and performance.

NSF stands for the National Sanitary Foundation and is a seal of quality assurance. It is used primarily in the commercial environment and is on all stamped blades made by Victorinox. All Fibrox handles of Victorinox are NSF approved.
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'How Big Banks Killed a Plan to Speed Up Money Transfers'
Added on : Friday November 15th 2013 02:00:04 AM
g: 1 Posted By: tuphat
Views: 78 Replies: 0 From Payments trade website. Excerpt below, link to full article:http://www.paymentssource.com/news/how-big-banks-killed-a-plan-to-speed-up-money-transfers-3016022-1.html?zkPrintable=1&nopagination=1

More than two years ago, the staff of Nacha, the industry-owned group that sets the rules for the automated clearing house network, decided it was time to modernize the system. The group's proposal was far more modest than the near-real-time systems that now exist in numerous other countries. If a U.S. bank submitted a payment before 2 p.m. Eastern time on a weekday, it would be settled around 5 p.m., rather than waiting until the following weekday, or perhaps the day after that.

The plan, known as Expedited Processing and Settlement, may not have been a step into 21st Century, but at least it would remodel a system built in the 1970s and 1980s.

But even this incremental move was too much change for a bloc of big banks that played a decisive role in torpedoing the proposal in a vote in August of last year.The episode, which happened mostly outside of public view, demonstrated the enormous power that a small number of large commercial banks wield over the U.S. payments system. Their interests prevailed over the wishes of many smaller banks, corporations, and consumers, all of whom would benefit from a faster, broadly accessible way to make electronic payments. And because Nacha's balloting process is shrouded in secrecy, these large banks didn't leave any fingerprints.
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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

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g: 2 Posted By: remick
Views: 372 Replies: 0 http://www.amazon.com/dp/B00COGYQY4/

Breakthrough talent management techniques! 5 authoritative books bring together the state-of-the-art in finding, growing, and keeping world-class people!

Talent is everything and finding, growing, and keeping the best talent has never been more difficult. This 5-book collection brings together powerful new insights, techniques, practices, and skills for improving the way you manage talent in any organization, industry, or environment including the talent that matters most. (Yours!) In 17 Rules Successful Companies Use to Attract and Keep Top Talent, renowned workforce expert David Russo identifies exactly what great organizations do differently when it comes to managing their people. He distills these differences into 17 rules for everything from resourcing and compensation to leadership development, risk-taking to change management. Next, he shows how to apply these rules in your organization, whether youre large or small, high-tech or low-tech, for-profit or non-profit. Then, in Talent Force, Rusty Rueff and Hank Springer help you systematically get the right talent into the right place at the right time. Youll learn how to develop and implement a world-class talent plan that aligns with business objectives, and identify metrics for tracking and optimizing progress. Discover how candidates are using technology to evaluate new opportunities, benchmark compensation, and create new back-channels of communication about worklife and learn how to use these technologies yourself to grow the worlds best Talent Force. In The Truth About Hiring the Best, Cathy Fyock reveals 53 proven hiring principles for identifying, reaching, and recruiting the very best. Fyock helps you find hidden talent sources make great people want to work with you choose amongst the great new people youve found, while building great relationships with strong candidates you dont hire. Next, in The Truth About Getting the Best From People, Second Edition, Martha Finney 60+ proven principles for achieving unprecedented levels of employee engagement. This new edition features more than 15 new truths including: managing virtual teams, building persuasive skills, tuning into your own unconscious biases, managing multiple generations, and identifying and cultivating individual high performers. Not feeling empowered enough to do all this? Vince Thompsons Ignited! reveals gathering forces that are re-empowering you right now. Thompson outlines realistic steps for leveraging networks and resources to transform your own visions into reality, and accomplishing powerful goals only you can achieve. He offers new tools for leading from the middle expanding your influence and overcoming traps connecting your passions with business goals mastering all your new roles: linkmaker, process master, pilot, healer, bard, scout, and translator!

From world-renowned talent management experts Vince Thompson, David Russo, Rusty Rueff, Hank Stringer, Cathy Fyock, and Martha I. Finney
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g: 4 Posted By: archena
Views: 2366 Replies: 0 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase

ROAR: Strengthening business performance through speed, predictability, flexibility, and leverage [Kindle Edition] was $9.99

Chris LaVictoire Mahai (Author)

http://www.amazon.com/dp/B007KO61TI

Publication Date: March 14, 2012

Publisher: Out of the Ordinary Media

6 Reviews ★★★★★

#2 in Kindle Store > Kindle eBooks > Business & Investing > Management & Leadership > Production & Operations

#9 in Kindle Store > Kindle eBooks > Business & Investing > Management & Leadership > Management


How can an elephants predictability inform a multinational company?
What can a cheetah teach a business about speed?

ROAR: Strengthening business performance through speed, predictability, flexibility, and leverage uses the animal kingdom as a metaphor for increasing results, and features interviews with executives at U.S. Bank, Red Mango, Hitachi Global Storage Technologies, the San Diego Zoo and others to explore what drives peak performance against the customer problem an organization has chosen to solve.

With this clever, thought-provoking business book by Chris LaVictoire Mahai, co-owner and managing partner at global strategy and operational change firm Aveus, the path to peak performance is as clear and impressive as an African night sky.

About the Author
Chris LaVictoire Mahai is co-owner and managing partner at St. Paul-based global strategy and operational change firm Aveus. Her career includes more than 25 years of experience in leading, developing, and implementing business and marketplace strategies. Through Aveus, Mahai has worked with over 100 organizations from large global enterprises to family-owned businesses and startups, non-profits and other service organizations. She has served on the board of several businesses and non-profit organizations, and is an active investor in women-owned and led businesses.
During her corporate career, Mahai held several executive roles at Cowles Media/Star Tribune. She also spent nearly fifteen years in the financial services industry, including several executive positions at First Bank (now US Bank).
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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.
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g: 1 Posted By: remick
Views: 130 Replies: 0 http://www.amazon.com/Brands-Dont-Grow-Trees-Engineering-ebook/dp/B00GJD2KDC

You would only read this book if you are brazen enough to think your message has a right to be heard in the marketplace. And that means you need to take another look beneath the ice-berg because frankly - snappy branding just doesnt cut it anymore.
Have you ever wondered what it takes for every part of your business to stay on brand? How many more times must you remind your team (and sometimes yourself) that going through the motions is not the same as delivering on the brand promise. Disappointing customers with generic service just because you have other things to get done or increases in loss of market share because of a weak brand message. Or poor business structures that fail miserably to amplify your brand.
Suddenly you begin to notice that being a brand is more than just a clever logo and for the first time you realize that your business if failing your brand.
If only you knew how to prevent your business from ruining your brand.
You are certainly not alone. Most leaders, whether in small business, not for profit or private practice wrongly attempt to understand first the science of business when instead they should concentrate on building an artful brand.
Brands Dont Grow on Trees is a vibrant business conversation that unites two seemingly opposing forces - the art of a mission marketing approach with the science of managing a business.
This culminates in the 4 Pillars of the BrandCULTURE EQ framework which states that there is an intelligence required to successfully execute a brand focused business growth strategy.
Those 4 Pillars include 1) Customer Advocacy 2) Brand Development 3) Cultural Mapping and 4) Management Structures. And as a result this process unravels the riddle that afflicts passionate leaders -which is how do I integrate my brand message with my business - not just for today for days to come?

Brands Dont Grow on Trees is written within the 4 sections of the BrandCULTURE EQ framework, and proposes the following:
1. Customer Advocacy says that before you undertake any strategic move in business you must first know and care about what your customers care about. To do this means as a leader you need to shift from a mindset that is product-orientated to one that is centered upon championing not just the wants or needs of your market but also the mission and the message that your market needs to hear.

2. Brand Development branding is just the tip of the ice-berg and the activity of branding does come close to what happens when you look beneath the ice-berg and start to develop your brand and connect your brand to your daily operations. Becoming a brand, whether on a local or global scale means you become more concerned with developing deep roots that are 100% aligned with brand message - that says we are here for a mission here for a purpose.

3. Cultural Mapping of all the species, humans are the only ones that ignore their instincts and activate the least amount of their senses. A bird can sense a change in weather signals and avoid perishing in a tsunami yet a boss fails to notice or take action when that staff member rolls their eyes when discussion on brand values is tabled at a meeting. Moving forward, mission leaders need to adopt a higher sensory awareness if they want to ensure that both the internal and external communication of their brand message remains positive.

4. Turnkey Structures For once and for all, if ever there was a good reason to finally get on top of implementing proper systems within your business all you need to do is take notice of the trillion-dollar global industry that is based upon selling a system. That industry is franchising. Franchising is known for building small businesses indicative of a strong brand and rock solid systems. And that very system that amplifies the brand.

But what is far more important is the thinking behind designing the system which is more about building a brand and not just building a business.
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K2 Raider Snowboard Boot $99.95 + Free shipping
Added on : Friday November 08th 2013 06:00:07 AM
g: 0 Posted By: tedhawkins
Views: 140 Replies: 0 K2 Raider Snowboard Boot $99.95 + Free shipping

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

The K2 Raider Boot is the perfect mens snowboard boot for setting the BOA standard. You will be glad that you chose the Raider boot since nothing beats the Boa lacing system for ease of tightening combined with the Boa Coiler liner lacing for a perfect fit. The Raider boot comes with the Intuition Comfort Foam 3D liner, and the industry renowned EVA insole. You can bet you will feel the added performance of the Low-Pro outsole. You will be satisfied to put your foot into a boot that provides comfort all day long.
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*** DEAD *** FREE Kindle Book - The Dark Side of Innovation was $9.99
Added on : Wednesday November 06th 2013 06:00:17 AM
g: 10 Posted By: archena
Views: 2852 Replies: 2 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase

The Dark Side of Innovation [Kindle Edition] was $9.99

Ankush Chopra (Author)

http://www.amazon.com/dp/B00DCCK0JE

Publication Date: June 10, 2013

Publisher: Brigantine Media

10 Reviews ★★★★★

Innovation is usually considered the engine of business success. But innovation can have a dark side. The once-powerful Kodak toppled despite its massive response to the threat of a new innovationdigital photography. Even with patents, major investments, and a 20-year lead time, Kodak eventually succumbed to the value-destroying innovation that upended the photography industry.

In "The Dark Side of Innovation," author Ankush Chopra presents stories of success and failure at dozens of businesses that faced innovations impacting their profitability. He outlines methods for businesses to predict industry change and protect businesses against profit-destroying innovations. Armed with Chopras techniques, companies can be ready for the dark side of innovation.

About the Author
Dr. Ankush Chopra is an innovation and business transformation expert with over eighteen years of experience in leading and enabling innovations. Early in his career he led business and organizational transformations in companies such as Citibank and Procter & Gamble. For the last ten years, his focus has been on enabling transformations through research, training, and speaking. He has been a professor of management and strategy at Babson College for the last five years. Chopra has a Ph.D. in Strategy from Duke University and an MBA from Indian Institute of Management, Bangalore. He has lived and worked in India, Japan, Philippines, Singapore, Switzerland, and the United States. Chopra trains, gives talks, and advises in the areas of innovation, strategy, and change across the world. He works with all levels of management in small and large groups.
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g: 0 Posted By: VivYip
Views: 136 Replies: 0 Home Depot has this item for $548 with free delivery/haul away

Maytag Bravos X 3.6 cu. ft. High-Efficiency Top Load Washer in White, ENERGY STAR
3.6 cu. ft. Capacity easily handles large loads and bulky items such as comforters
Stainless steel wash basket resists chips and scratches and helps to protect fabrics from snags and pilling
Allergen cycle eliminates at least 95% of common allergens, such as dust mites and pet dander
IntelliClean impeller continuously moves clothes through the water for a thorough cleaning
11 Wash cycles, including Heavy Duty, Hand Wash, Normal, Whites and Allergen to provide washing options to handle a variety of fabrics
ENERGY STAR qualified with a CEE Tier III rating: this washer is among the most efficient washers in the industry
Rear panel controls provide convenient access to all cycle and option selections
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Washer requires use of only high-efficiency detergent
Click Here for details on the services included with Delivery & Basic Hook-up and Installation options for Major Appliances
MFG Model # : MVWX700XW
MFG Part # : MVWX700XW

Home Depot also has the following available:

$698 Maytag Bravos XL 7.3 cu. ft. Electric Dryer with Steam in White
$548 Maytag Bravos X 7.4 cu. ft. Electric Dryer in White
$698 Maytag Bravos XL 4.6 cu. ft. High-Efficiency Top Load Washer in White, ENERGY STAR

It's not as much of a discount as the ones mentioned roughly 3 weeks ago, but I hope this information might help someone. Thank you for reading.
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Avoiding California taxes in Silicon Valley? (capital gains taxes)
Added on : Tuesday November 05th 2013 05:00:08 PM
g: 0 Posted By: motuwallet
Views: 70 Replies: 0 I'm considering moving to Silicon Valley to start a company. It would be useful for my industry, and I like the area. The goal would be to sell it within a few years, at which point I would presumably receive a large amount of capital gains. (Let's assume long term cap gains.)

What strategies can be employed to minimize or avoid entirely paying any taxes to CA? A bunch of googling is telling me the state treats LT cap gains same as normal income, meaning the top rate will be 13.3%. I can't tell if this is accurate or just FUD and SEO crap.

Is cap gains tax only incurred in the state of residence at the time of sale? Meaning, if I work on building this company for the next 3 years in CA, then move to Las Vegas, NV on Jan 1 and sell everything, is there any way CA can come after me for taxes? What do big companies do in these situations? I have a hard time believing Zuckerberg or the Google guys have paid / will pay multiple billions in CA state taxes.

Trying to determine if it's even worth locating in CA. If the price is a 13.3% stake in my company, I'd rather check out low/no tax states like TX or NV.
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FREE Kindle Book - ROAR: Strengthening business performance .. was $9.99
Added on : Tuesday November 05th 2013 07:00:15 AM
g: 0 Posted By: archena
Views: 48 Replies: 0 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase

ROAR: Strengthening business performance through speed, predictability, flexibility, and leverage [Kindle Edition] was $9.99

Chris LaVictoire Mahai (Author)

http://www.amazon.com/dp/B007KO61TI

Publication Date: March 14, 2012

Publisher: Out of the Ordinary Media

6 Reviews ★★★★★

#2 in Kindle Store > Kindle eBooks > Business & Investing > Management & Leadership > Production & Operations

#9 in Kindle Store > Kindle eBooks > Business & Investing > Management & Leadership > Management


How can an elephants predictability inform a multinational company?
What can a cheetah teach a business about speed?

ROAR: Strengthening business performance through speed, predictability, flexibility, and leverage uses the animal kingdom as a metaphor for increasing results, and features interviews with executives at U.S. Bank, Red Mango, Hitachi Global Storage Technologies, the San Diego Zoo and others to explore what drives peak performance against the customer problem an organization has chosen to solve.

With this clever, thought-provoking business book by Chris LaVictoire Mahai, co-owner and managing partner at global strategy and operational change firm Aveus, the path to peak performance is as clear and impressive as an African night sky.

About the Author
Chris LaVictoire Mahai is co-owner and managing partner at St. Paul-based global strategy and operational change firm Aveus. Her career includes more than 25 years of experience in leading, developing, and implementing business and marketplace strategies. Through Aveus, Mahai has worked with over 100 organizations from large global enterprises to family-owned businesses and startups, non-profits and other service organizations. She has served on the board of several businesses and non-profit organizations, and is an active investor in women-owned and led businesses.
During her corporate career, Mahai held several executive roles at Cowles Media/Star Tribune. She also spent nearly fifteen years in the financial services industry, including several executive positions at First Bank (now US Bank).
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.
g: 1 Posted By: remick
Views: 159 Replies: 0 http://www.amazon.com/dp/B00BXH6OEK

5.0 out of 5 stars

Why did the financial scandals really happen? Why are they continuing to happen? In The Death of Corporate Reputation, Yale's Jonathan Macey reveals the real, non-intuitive reason, and offers a new path forward. For over a century law firms, investment banks, accounting firms, credit rating agencies and companies seeking regular access to U.S. capital markets made large investments in their reputations. They treated customers well and sometimes endured losses in transactions or business deals in order to sustain and nurture their reputations as faithful brokers and gate-keepers. This has changed completely . The existing business model among leading participants in todays capital markets no longer treats customers as valued clients whose trust must be earned and nurtured, but as one-off counter-parties to whom no duties are owed and no loyalty is required . The rough and tumble norms of the market-place have replaced the long-standing reputational model in U.S. finance.

This book describes the transformation in American finance from the old reputational model to the existing laissez faire model and argues that the change came as a result of three factors: (1) the growth of reliance on regulation rather than reputation as the primary mechanism for protecting customers and (2) the increasing complexity of regulation, which made technical expertise rather than reputation the primary criterion on which customers choose who to do business with in todays markets ; and (3) the rise of the cult of personality on Wall Street, which has led to a secular demise in the relevance of companies reputations and the concomitant rise of individual rain-makers reputation as the basis for premium pricing of financial services. This compelling book will drive the debate about the financial crisis and financial regulation for years to come -- both inside and outside the industry.
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33 year old - how am I doing, and how can I maximize what I have?
Added on : Sunday November 03rd 2013 02:00:04 PM
g: 0 Posted By: adirondak
Views: 193 Replies: 1 I am 33 years old, working in the entertainment industry in Los Angeles - an industry known for not paying well - at least until you reach the upper echelons. I also own a tutoring company that is doing ok. I am struggling to save as much as possible and maximize the returns on the funds I do have. I'm curious to know how I'm doing financially in general and if there are any ways to leverage the money I have to make more that I may not be thinking of. Here are my details:

Salary: $52,000 w/ health benefits, no 401k
Earnings from Tutoring co.: approx $1-2k a month during school year
Tutoring co. expenses: About $850 a month
Savings: about $6000 (Make contributions whenever possible, usually from tutoring co. earnings)
Investments: $5000 (Monthly contribution of $200)
Retirement (Roth IRA): $31,000 (from old 401 ks) - contributing full amount this year to Roth
Credit Card debt: $5500 (about $2500 at 0%, 1500 at 4%, and the remainder at about 15%) - pay well over minimum each month, but use credit cards for nearly everything in order to get frequent flier points, which I have about 250,000 of
Car Payment: $310 / mo (2 more years until paid off)
Phone: $110 / mo. (need smartphone to run business)
Gym: $35/mo.
Rent: $840/mo.
Student Loans: $13,000 at 3.5% - pay minimum each month

Other: I live in a tiny apartment alone, for $840/mo. Own a 2010 Corolla (bought for $13,000 w 14,000 miles jan. 2013) 3 year loan. I drive a lot because in addition to owning the tutoring company, I tutor a lot of students as well. I put a lot of money into my tutoring company when I can in the hopes of growing it, adding to business. This year has been my worst ever, because with the horrible job market in LA, many people have turned to tutoring as a second job, so more competition. Also, people are willing to pay less this year for a tutor it seems.

I also often take classes in the hopes of expanding my knowledge base in entertainment. When possible, I've tried to audit. Sometimes, I've paid for the classes. Right now, I'm taking an entertainment finance class that I paid $777 for at UCLA extension. I find it very difficult to contribute everything to savings that I'd like to, but I still make contributions whenever I can.

How does it seem that I'm doing? Any advice?








Personal Finance Deals
Does MBA make sense for me?
Added on : Sunday November 03rd 2013 12:00:03 AM
g: 1 Posted By: underleveraged
Views: 11 Replies: 0 I'm age 28/29 so I'm starting to reach the point of no return. Either I go now or I'll be too old to go full-time from admission point of view. I can possibly do a 3 year dragged out part-time program while working but I'm not living near a good MBA school within commutable distance at the moment.

I graduated from a regular state university (no brand value) and I want to continue working in the financial services industry. I was able to pay off all debt (including student loans) and that was an amazing feeling. I have no outgoing payments toward any debt. What worries me about going for an MBA is the $100K debt from the top programs.

If I didn't go for my MBA, I think I could live a comfortable life just making normal salary. Probably would be able to afford a house purchase as well with a decent salary. If I went for my MBA, I would try to make a transition into a finance career in Asia as that's something I've been interested in doing lately. I believe there are tremendous opportunities there for someone like me who is bilingual, educated in the US, have good work experience, etc. It wouldn't make sense to go overseas with just my state university degree as the employment sectors in Asia care about your educational pedigree.

In summary, I have two choices:
1. Stay in the US working, save the money, and possibly do a PT later in my life as I work. I probably would never go overseas at that point.
2. Go for the MBA at a good school and pursue an international career.

Do you think the MBA debt from a FT program will be worth the long-term career benefits for someone in my situation?


Investing Deals
best buy: $49.99 Motorola - SURFboard Cable Modem (F/S)
Added on : Friday November 01st 2013 04:00:06 PM
g: 0 Posted By: VivYip
Views: 245 Replies: 1 best buy has this item for $49.99 with free shipping

Motorola - SURFboard Cable Modem
Model: SB5101 SKU: 8229044
PRODUCT FEATURES

USB and Ethernet connectivity to help ensure compatibility with almost any PC or Mac network-ready system
Supports up to 63 users (with additional networking hardware; not included)
No telephone lines needed; always on, always connected
10/100Base-T Ethernet for blazing speed; capable of downloading at speeds up to 100 times faster than a standard 28.8Kbps analog phone modem
Top-mounted standby switch enhances network security
Downstream data speeds up to 38 Mbps
Upstream data speeds up to 30 Mbps
Front-panel status LEDs and user-friendly online diagnostics page for quick and easy troubleshooting
Compatible with Windows, Macintosh and Unix systems
Integrated DOCSIS 2.0 A-TDMA and S-CDMA technology; backwards compatible with existing DOCSIS 1.0 and 1.1 systems
Remote configuration and monitoring from the headend using SNMP and TFTP
Includes USB and Ethernet cables, power adapter and installation CD-ROM
Note: Ask your cable company if they support DOCSIS cable modems. DOCSIS (Data Over Cable Service Interface Specification) is the industry standard for cable-based Internet access service.

Hope this might help someone. Thank you for reading.
Networking Deals
g: 0 Posted By: Mavrick88
Views: 59 Replies: 0 Ammo: PMC X-Tac Ammo 5.56x45mm .223 NATO 55 Grain FMJ - $399.50 at TargetSportsUSA. In stock! Free shipping, no tax!
You can buy them for $7.99 each box of 20, but you will pay shipping. This is reloadable brass! Good stuff! I love PMC! I have been using them for a long time. These will to OOS soon.

Product Information:
PMC X-TAC Ammunition
5.56x45mm NATO Ammunition
55 Grain Full Metal Jacket Ammunition
20 rounds per box/1000 per case

Details:
PMC X-Tac 5.56mm NATO ammo for sale is a new production ammo that features 55 Grain Full Metal Jacket bullet. 5.56mm ammo made by PMC is reloadable, features brass cases and Boxer primers. This ammunition is non-corrosive. This ammunition offers great accuracy for your AR-15 with the added benefit of being more cost effective than many of the American manufactured brands. Order a case of PMC 5.56mm bulk ammo, receive free shipping.
Muzzle Velocity: 3270 feet per second
Muzzle Energy: 1306 ft. lbs.
Ammo Rating: Target and Practice Ammunition. It is loaded to NATO specs and is NOT intended for use in commercial or bolt-action rifles chambered for 223 Remington ammo - but is is perfect for your AR15. Highest industry and military specifications. PMCs X-TAC ammunition is powerful.
Guns & Ammo Deals
FREE Kindle Book - The Dark Side of Innovation was $9.99
Added on : Friday November 01st 2013 04:00:16 AM
g: 1 Posted By: archena
Views: 87 Replies: 0 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase

The Dark Side of Innovation [Kindle Edition] was $9.99

Ankush Chopra (Author)

http://www.amazon.com/dp/B00DCCK0JE

Publication Date: June 10, 2013

Publisher: Brigantine Media

10 Reviews ★★★★★

Innovation is usually considered the engine of business success. But innovation can have a dark side. The once-powerful Kodak toppled despite its massive response to the threat of a new innovationdigital photography. Even with patents, major investments, and a 20-year lead time, Kodak eventually succumbed to the value-destroying innovation that upended the photography industry.

In "The Dark Side of Innovation," author Ankush Chopra presents stories of success and failure at dozens of businesses that faced innovations impacting their profitability. He outlines methods for businesses to predict industry change and protect businesses against profit-destroying innovations. Armed with Chopras techniques, companies can be ready for the dark side of innovation.

About the Author
Dr. Ankush Chopra is an innovation and business transformation expert with over eighteen years of experience in leading and enabling innovations. Early in his career he led business and organizational transformations in companies such as Citibank and Procter & Gamble. For the last ten years, his focus has been on enabling transformations through research, training, and speaking. He has been a professor of management and strategy at Babson College for the last five years. Chopra has a Ph.D. in Strategy from Duke University and an MBA from Indian Institute of Management, Bangalore. He has lived and worked in India, Japan, Philippines, Singapore, Switzerland, and the United States. Chopra trains, gives talks, and advises in the areas of innovation, strategy, and change across the world. He works with all levels of management in small and large groups.
Books & Magazines Deals
g: 1 Posted By: easycom
Views: 137 Replies: 0 It's actually $15.99!!

Been waiting for this to go on sale. Then received my monthly newsletter indicating that there is a current promotion going on for the Anker 25W (5V/5A) 5-Port Wall Charger. Lowest price that this has ever been offered @ $16.99 with code. It didn't specify how long the code was good for so hurry and jump on this deal before it expires.

If you are like me, I have way too many gadgets and all have their own different chargers. They in turn take up too many of my outlet slots. Well problem solved with this! This has 5 ports that you are able to charge many different devices from. 2 of the ports are @ 2.1A which means you can charge 2 ipads at once!

It has a 4.8 out of 5 stars rating from 105 reviews so you know it is a quality product from Anker.


Technical Details

5 ports designed to charge the iPad (2 x 2.1A), iPhone (1A), Samsung Tab (1.3A), and Android devices (1A) at full speed. Total max output of 5A.
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AC 110-220V input voltage for use around the world.
Package contents: Anker 5-Port Wall Charger, 2.5ft / 76cm detachable power cord, user manual.



Product Description
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price:$19.99->$16.99 -> It's actually $15.99!!!
code: FAYE6HXU

link: http://www.amazon.com/RELEASE-Family-Sized-Charger-Samsung-Devices/dp/B00DVH62J2
g: 1 Posted By: remick
Views: 106 Replies: 0 http://www.amazon.com/dp/B007VOT9S2

In this book, project management expert Dr. Alexander Laufer leads an all-star team of practitioners and thought leaders in presenting a powerful project leadership framework. Laufers framework addresses the toughest challenges of new product development: large, complex projects composed of many diverse, geographically distributed, and highly interdependent components; organizational change; and repeated and risky tasks. Laufer reveals core leadership principles that are Crucial to successful project leadership in dynamic and complex environments, regardless of industry, project goals, or stakeholders. Then, together with his contributors, he presents eight chapter-length case studies covering exceptionally challenging projects in a wide spectrum of industries and products from developing missiles to reorganizing companies, building spacecraft and dairy plants to flying solar-powered airplanes. Readers will discover new ways to unleash the power of autonomy and learning; adapt to change on a timely basis; give up control without losing control; use face-to-face interaction to maximize alignment; manage no fun missions in hostile environments; deliver on bold ideas through sheer preparation; learn from practice and unlearn lessons that need to be unlearned. Mastering the Leadership Role in Project Management will be invaluable to executives, project leaders, and aspiring project leaders in all organizations regardless of their project goals, backgrounds, or experience.
Books Deals

Amazon Coupons
Official P2P Thread
Added on : Sunday October 27th 2013 10:00:09 AM
g: 0 Posted By: BenFranklin
Views: 270 Replies: 1 Hi guys, we can all spend daying making "in America the banks rob you" jokes.

I have recently learned of the P2P lending/borrowing industry in America. Specifically, Lending Club and Prosper. Has anyone had experience with them?

I am getting super paltry returns on my liquid capital at my local bank. Yes, I'm aware we can go super-deal-hunting deals from banks periodically to get the glorious 1.5% APY. But if someone has decent credit, 4-5% yield for my liquid capital shouldn't be too lofty of a goal. I think this is a win-win proposal.

Thanks in advance!
Deal Deals
Official P2P Thread
Added on : Sunday October 27th 2013 09:00:03 AM
g: 0 Posted By: BenFranklin
Views: 116 Replies: 0 Hi guys, we can all spend daying making "in America the banks rob you" jokes.

I have recently learned of the P2P lending/borrowing industry in America. Specifically, Lending Club and Prosper. Has anyone had experience with them?

I am getting super paltry returns on my liquid capital at my local bank. Yes, I'm aware we can go super-deal-hunting deals from banks periodically to get the glorious 1.5% APY. But if someone has decent credit, 4-5% yield for my liquid capital shouldn't be too lofty of a goal. I think this is a win-win proposal.

Thanks in advance!
Fidelity now offers 10 sector ETFs with .12% expense ratios
Added on : Friday October 25th 2013 01:00:15 PM
g: 0 Posted By: beatnik28
Views: 73 Replies: 1 Competition is good. 10 new low cost sector ETFs from Fidelity.

These ETFs will be the lowest-cost passively managed sector ETFs in the industrywith total expense ratios of just 0.12 percent-- nearly 80 percent below the industry average for passive sector ETFs.In addition, investors and registered investment advisors (RIAs) can purchase Fidelitys ETFs commission-free online* through one of Fidelitys brokerage platforms.

The full press release ishere
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.

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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
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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: 5 Posted By: archena
Views: 1715 Replies: 0 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase

Bouncing Back: The Life of Bill Bartmann [Kindle Edition] was $8.50

Bill Bartmann (Author), Jonathan Rozek (Author)


http://www.amazon.com/dp/B00FK6XFZQ

5 Reviews ★★★★★

Publication Date: September 30, 2013

Publisher: Brown Books Publishing Group

#2 in Kindle Store > Kindle eBooks > Biographies & Memoirs > Professionals & Academics > Business

From the Author of an Amazon #1 World-Wide Best Seller.
Note: All profits from the sale of this book are being donated to charity.

★ ★ ★

"Although Bartmann lost his company, he managed to turn his loss into an opportunity that made him a billionaire and changed an entire industry." National Public Radio

"Bill is 'The Greatest' at helping people recognize and discover the champion hiding inside. He teaches people how to knockout the negatives in their lives." Muhammad Ali

"Bill Bartmann is a good steward! He knows he has been given a special gift and he shares it with everyone he touches. He has made a profound positive difference in the lives of so many." Mother Teresa

"Bill Bartmann survived failure, remade one of the country's ugliest industries, and became a billionaire." Inc. Magazine

"Bartmann is a quintessentially American figure. Perhaps that is because he is fundamentally a pioneer and a frontiersman, a relentless optimist with unbounded self-confidence and an unshakable faith that he can not only wring booty from what looks like barren turf but that he can also have fun doing so." The New Yorker

"Named One of the Top 100 Entrepreneurs of the Last 100 Years" Apple Computer

"Bill Bartmann's autobiography is proof there is nothing that we can't overcome if we truly want to. His remarkable story will inspire every reader." Harvey Mackay, author of the #1 New York Times Best Seller, Swim With The Sharks Without Being Eaten Alive

★ ★ ★

They say that truth can be stranger than fiction, and in the case of Bill Bartmann, its absolutely the case. Bouncing Back is a glimpse into situations most of us never see:


● Leaving a dirt-poor family at age 14 to join the carnival

● Being an alcoholic gang member by age 17

● Becoming paralyzed by falling down stairs drunk

● Being told that youll never walk again, yet later walking out of the hospital

Those are unusual-enough experiences, but they were only the beginning of Bartmanns journey. He is the only person ever to work in a pig slaughterhouse for years, and later become a billionairethe 25th wealthiest person in America.

After his success, Bartmann didnt just go to Disneyworld, he rented the entire facility and hired 27 jumbo jets to fly his employees there. And hes the only person to turn down an invitation to sleep in the Lincoln Bedroom because he was too busy.

As if thats not enough to fill one lifetime, Bartmann was then personally indicted by the U.S. Attorney General on 57 felony counts, and faced 600 years in prison if convicted. Without testifying at his own trial or calling a single witness, Bartmann was cleared of all charges and the government later admitted it had no case.

Now Bartmanns back, taking on the entire debt-collection industry and creating a new form of debt-collection company never before seen on the planet.

Bouncing Back is about the lowest of lows, and the highest of highs. Its also about how you never know whats around the corner.
Books & Magazines Deals
g: 0 Posted By: magni
Views: 240 Replies: 0 Just came across this one and thought of sharing with the community. Please forgive me if this is a re-post.

Digital Minds: 12 Things Every Business Needs to Know About Digital Marketing [Kindle Edition] - by WSI (Author)

Price: Free (Was $21.99)
Hardcover: $23.03
Paperback: $16.07

Linked!

Excerpt (from Amazon):
Technology and the Internet are in flux. Giants like Apple, Google and Facebook are changing the way we interact with each other. Technologies move so quickly that jumping on the train can be daunting for businesses. But the route hasn't always been clear; social media, mobile marketing and search marketing campaigns are always changing.

Luckily, digital marketing is still in its infancy and theres plenty of time to get on track. Written by WSI, Digital Minds brings industry-proven expertise to assist your business with hot strategies for content marketing, social media, responsive web design, SEO, display advertising, email marketing and more. By grasping the trends now, your business can catch up to speed and stay ahead of the competition.

Hope you guys like it.
Books Deals

Amazon Coupons
g: 1 Posted By: maharvi
Views: 504 Replies: 4 LINK

REFURB Lenovo Notebook TouchScreen P400 14" Intel Core i7 3632QM(2.20GHz) 1TB HDD 8GB Memory for 469.99 @ Newegg via eBay FreeShipLearn more about Lenovo P400ModelBrandLenovoSeriesIdeaPadModelP400Part#59RF0176GeneralColorMocha BlackOperating SystemWindows 8 64-bitCPU TypeIntel Core i7-3632QM 2.20GHzScreen14"Memory Size8GB DDR3Hard Disk1TB 5400RPMOptical DriveDVDRWGraphics CardIntel HD Graphics 4000Video MemoryShared memoryCommunicationLAN and WLANWeight5.3 lbs.CPUCPU TypeIntel Core i7CPU Speed3632QM(2.20GHz)CPU Support3 MB Smart CacheDisplayScreen Size14"TouchscreenYesDisplay TypeHD+Operating SystemsOperating SystemWindows 8 64-bitGraphicsGPU/VPUIntel HD Graphics 4000Video MemoryShared system memoryGraphic TypeIntegrated CardHard DriveHDD1TBHDD RPM5400rpmMemoryMemory8GBMemory SpeedDDR3Optical DriveOptical Drive TypeDVDRWCommunicationsLAN10/100MbpsWLAN802.11b/g/n Wireless LANBluetoothYesSupplemental DriveWebcamYesPowerBattery4-cell lithium ionPhysical SpecificationsWeight5.3 lbs.ShippingEnjoy fast and reliable shipping when you buy your products from Newegg. Our ordering and shipping services are among the best in the industry due to short processing times and a variety of shipping methods. Your orders are packaged at one of the many local warehouses across the country, minimizing delivery times and ensuring you get your purchases as soon as possible.PaymentsNewegg has partnered with PayPal to offer you the very best in payment services. PayPal allows you to buy with confidence, knowing your payments are processed quickly and securely with state-of-the-art encryption technology.ReturnsNewegg understands that not every purchase is a good fit for every customer. Thats why we make the return process as simple as possible using the eBay interface. Combining the best of both worlds, you will receive the award-winning Newegg customer service that millions of consumers know and enjoy while using a familiar and convenient interface.
Laptops Deals

Newegg Coupons
g: 0 Posted By: maharvi
Views: 184 Replies: 3 LINK

REFURB Lenovo Notebook P400 14" Intel Core i7 3632QM(2.20GHz) 1TB HDD 8GB Memory for 469.99 @ Newegg via eBay FreeShipLearn more about Lenovo P400ModelBrandLenovoSeriesIdeaPadModelP400Part#59RF0176GeneralColorMocha BlackOperating SystemWindows 8 64-bitCPU TypeIntel Core i7-3632QM 2.20GHzScreen14"Memory Size8GB DDR3Hard Disk1TB 5400RPMOptical DriveDVDRWGraphics CardIntel HD Graphics 4000Video MemoryShared memoryCommunicationLAN and WLANWeight5.3 lbs.CPUCPU TypeIntel Core i7CPU Speed3632QM(2.20GHz)CPU Support3 MB Smart CacheDisplayScreen Size14"TouchscreenYesDisplay TypeHD+Operating SystemsOperating SystemWindows 8 64-bitGraphicsGPU/VPUIntel HD Graphics 4000Video MemoryShared system memoryGraphic TypeIntegrated CardHard DriveHDD1TBHDD RPM5400rpmMemoryMemory8GBMemory SpeedDDR3Optical DriveOptical Drive TypeDVDRWCommunicationsLAN10/100MbpsWLAN802.11b/g/n Wireless LANBluetoothYesSupplemental DriveWebcamYesPowerBattery4-cell lithium ionPhysical SpecificationsWeight5.3 lbs.ShippingEnjoy fast and reliable shipping when you buy your products from Newegg. Our ordering and shipping services are among the best in the industry due to short processing times and a variety of shipping methods. Your orders are packaged at one of the many local warehouses across the country, minimizing delivery times and ensuring you get your purchases as soon as possible.PaymentsNewegg has partnered with PayPal to offer you the very best in payment services. PayPal allows you to buy with confidence, knowing your payments are processed quickly and securely with state-of-the-art encryption technology.ReturnsNewegg understands that not every purchase is a good fit for every customer. Thats why we make the return process as simple as possible using the eBay interface. Combining the best of both worlds, you will receive the award-winning Newegg customer service that millions of consumers know and enjoy while using a familiar and convenient interface.
Laptops Deals

Newegg Coupons
wireless gaming keyboard and mouse....$19.99 from Viotek
Added on : Monday October 21st 2013 10:00:09 AM
g: 0 Posted By: ibmtechie
Views: 209 Replies: 0
Not bad deal aye.

Viotek Hawkpeck 2.4GHZ Wireless Gaming Keyboard & Mouse
Deal over here by NCIX

2.4GHz technology that meets ISM automatic frequency hopping requirement for industry, commercial, and medical use. This effectively eliminates interference with other wireless devices.
Extra long range 10 meter (33 feet) wireless distance.
800 - 2000 dpi high resolution mouse resolution
Automatic power saving dormancy features based on inactivity, unplugging the receiver, or powering off your PC.
Codeless intelligent connection technology, easy plug-and-play
Mini receiver is easy to carry with you. It snaps into the mouse so you will never lose it!
Waterproof keyboard in case of splashing accidents.
Stylish angular design really stands out.
Comfort and productivity go hand-in-hand thanks to concave keys, a low profile, loger key travel, and a hyper fast scrolling mouse.


Keyboard & Mouse Deals
g: 1 Posted By: remick
Views: 196 Replies: 0 http://www.amazon.com/Building-Digital-Analytics-Organization-Integrating-ebook/dp/B00E5F2QSK

Generate Maximum Economic Value from Leading-Edge Digital Analytics and Data Science.
The complete business practitioner's guide to profiting from analytics on big data.
Build a focused, highly effective, cross-functional, process-oriented analytics organization, backed by the right support from other teams, funded by management, and perceived as successful by business stakeholders.
Learn and apply best practices for every task when executing digital analysis--from planning and strategy to optimization and demonstrating value creation.
Digital analytics can help you grow value in virtually any market or industry in any country. To make the most of it, however, you need to create a highly-effective digital analytics organization--and that's not easy. Self-service reports, relevant dashboards, and other tools and techniques can help.

But they're only the beginning.

This guide covers all you need to know to build a well-resourced digital analytics team, and then back it with cross-functional support and alignment from IT, marketing, finance, the executive team, and beyond...while successfully applying analytics across the business. You will learn what it means to be "doing analytics": creating analytical processes and managing teams; collecting and governing data; analyzing paid, owned, and earned media; performing competitive and qualitative analyses; testing and optimization; targeting and automating; integrating digital data; using predictive modeling and other data sciences; and much more.
Drawing on years as a pioneer in the field, Judah Phillips covers the business management, process, technical, and analytical work required to tell accurate "data stories" that answer Crucial business questions.
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g: 0 Posted By: remick
Views: 169 Replies: 0 http://www.amazon.com/Financial-Innovation-Collection-Publishing--Milken-Innovations-ebook/dp/B0085MG8EW

Sustainable, responsible financial innovation: lessons from the crisis, and new paths to global prosperity

After the global financial crisis, responsible financial innovation is more Crucial than ever. However, financial innovation will only succeed if it reflects the true lessons of the past decade. In this collection, three leading global finance researchers share those lessons, offering Crucial insights for market participants, policymakers, and other stakeholders. Drawing on their pioneering work, they illuminate new opportunities for sustainable innovation in finance that can help restore housing markets and the overall global economy, while avoiding the failures of predecessors. In Financing the Future, Franklin Allen and Glenn Yago carefully discuss the current role of financial innovation in capitalizing businesses, industries, breakthrough technologies, housing solutions, medical treatments, and environmental projects. Allen and Yago explain how sophisticated capital structures can enable companies and individuals to raise funding in larger amounts for longer terms at lower cost, accomplishing tasks that would otherwise be impossible -- and offer a full chapter of essential lessons for using financial innovation to add value, manage risk, and improve the stability of the global economy. Next, in Fixing the Housing Market, Allen, Yago, and James R. Barth explain how responsible financial innovation can "reboot" damaged housing markets, improve their efficiency, and make housing more accessible to millions. The authors walk through the history of housing finance, evaluate housing finance systems in mature economies during and after the crisis, highlight benefits and risks associated with each leading mortgage funding structure and product, and assess current housing finance structures in BRIC economies. Building on these comparisons, they show how to create a more stable and sustainable financing system for housing: one that provides better shelter for more people, helps the industry recover, and creates thousands of new jobs.

From world-renowned leaders and experts Franklin Allen, Glenn Yago, and James R. Barth
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Free 2014 Tri Tool Scheduling Calendar - company name required
Added on : Saturday October 19th 2013 02:00:05 AM
g: 0 Posted By: remick
Views: 73 Replies: 0 http://www.tritool.com/industry_calendar.asp
Office Deals
FREE Kindle Book - Bouncing Back: The Life of Bill Bartmann was $8.50
Added on : Friday October 18th 2013 06:00:07 PM
g: 0 Posted By: archena
Views: 0 Replies: 0 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase

Bouncing Back: The Life of Bill Bartmann [Kindle Edition] was $8.50

Bill Bartmann (Author), Jonathan Rozek (Author)


http://www.amazon.com/dp/B00FK6XFZQ

5 Reviews ★★★★★

Publication Date: September 30, 2013

Publisher: Brown Books Publishing Group

#2 in Kindle Store > Kindle eBooks > Biographies & Memoirs > Professionals & Academics > Business

From the Author of an Amazon #1 World-Wide Best Seller.
Note: All profits from the sale of this book are being donated to charity.

★ ★ ★

"Although Bartmann lost his company, he managed to turn his loss into an opportunity that made him a billionaire and changed an entire industry." National Public Radio

"Bill is 'The Greatest' at helping people recognize and discover the champion hiding inside. He teaches people how to knockout the negatives in their lives." Muhammad Ali

"Bill Bartmann is a good steward! He knows he has been given a special gift and he shares it with everyone he touches. He has made a profound positive difference in the lives of so many." Mother Teresa

"Bill Bartmann survived failure, remade one of the country's ugliest industries, and became a billionaire." Inc. Magazine

"Bartmann is a quintessentially American figure. Perhaps that is because he is fundamentally a pioneer and a frontiersman, a relentless optimist with unbounded self-confidence and an unshakable faith that he can not only wring booty from what looks like barren turf but that he can also have fun doing so." The New Yorker

"Named One of the Top 100 Entrepreneurs of the Last 100 Years" Apple Computer

"Bill Bartmann's autobiography is proof there is nothing that we can't overcome if we truly want to. His remarkable story will inspire every reader." Harvey Mackay, author of the #1 New York Times Best Seller, Swim With The Sharks Without Being Eaten Alive

★ ★ ★

They say that truth can be stranger than fiction, and in the case of Bill Bartmann, its absolutely the case. Bouncing Back is a glimpse into situations most of us never see:


● Leaving a dirt-poor family at age 14 to join the carnival

● Being an alcoholic gang member by age 17

● Becoming paralyzed by falling down stairs drunk

● Being told that youll never walk again, yet later walking out of the hospital

Those are unusual-enough experiences, but they were only the beginning of Bartmanns journey. He is the only person ever to work in a pig slaughterhouse for years, and later become a billionairethe 25th wealthiest person in America.

After his success, Bartmann didnt just go to Disneyworld, he rented the entire facility and hired 27 jumbo jets to fly his employees there. And hes the only person to turn down an invitation to sleep in the Lincoln Bedroom because he was too busy.

As if thats not enough to fill one lifetime, Bartmann was then personally indicted by the U.S. Attorney General on 57 felony counts, and faced 600 years in prison if convicted. Without testifying at his own trial or calling a single witness, Bartmann was cleared of all charges and the government later admitted it had no case.

Now Bartmanns back, taking on the entire debt-collection industry and creating a new form of debt-collection company never before seen on the planet.

Bouncing Back is about the lowest of lows, and the highest of highs. Its also about how you never know whats around the corner.
g: 0 Posted By: bkay77584
Views: 164 Replies: 0 Lenovo Link



This is for the following on the Yoga 2 Pro which started shipping today.

Unfortunately, this particular config will not ship from Lenovo until 11/4/13

4th Generation Intel Core I7-4500U Processor (1.80GHz 1600MHz 4MB)Windows 8.1 64
Intel HD Graphics 4400
8.0GB PC3-12800 DDR3L SDRAM 1600 MHz
13.3" QHD+ LED Glossy Multi-touch 3200x1800
Industry Standard Multi-touch 2 button touchpad
256GB SSD4 Cell Li-PolymerBluetooth Version 4.0One yearWeb price is $1,499.00.

eCoupon code of SCOUTS at checkout registers a discount of $299.80, bringing our final price to $1,199.20.

Although I didn't pull the trigger on this, I did add it to my cart to make sure that the ecoupon code did work. Hopefully it will continue to work as this does not appear to be an advertised code.

If you prefer to buy from a B&M store, Best Buy is listing the same exact config (but in Silver instead of Clementine Orange) for $1,199.99 with store pick-up only (limited locations). I couldn't find a BB in all of Houston that had them available for in-store pickup so YMMV.

Best Buy Link


Laptops Deals

Lenovo Coupons
g: 1 Posted By: VivYip
Views: 116 Replies: 0 credit dealnews

Adorama has this combo for $52 with free shipping

Crumpler 3 Million Dollar Home Shoulder Bag for Compact Digital SLR Camera, Brown/Orange - with FREE Crumpler Industry Disgrace Strap (a $35 Value)
Key Features

Water resistant 900D shell & 300D Ripstop lining
One external pocket with internal mesh pocket
Two internal side pockets
One mesh zip pocket under clip & Velcro release flap
Padded & Brushed Nylon lined main compartment
Plastic stiffening layer in base
Adjustable removable shoulder strap
This bag features one external pocket with internal mesh pocket, two internal side pockets, one mesh zip pocket under the clip, and Velcro release flap.

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

Adorama Coupons
g: 0 Posted By: Trishako1
Views: 0 Replies: 0 Lenovo IdeaPad Flex 14-59 Laptop Computer 395495 @ Lenovo - $429.00 after Coupon
was $569.00
Free Shipping!

Coupons
RMNFLEX14 - $140 off • Intel Celeron ULT 2955U Processor (1.40GHz 1600MHz 2MB) • Windows 8 64• Intel® HD Graphics 4400• 4.0GB PC3-12800 DDR3L SDRAM 1600 MHz• 14" HD LED 10-Point Multitouch 1366x768• Industry Standard Multi-touch 2 button touchpad• 500GB 5400 RPM• 4 Cell Lithium-Ion• Lenovo BGN Wireless• Bluetooth Version 4.0• One year  (FatWallet Deal Hunter staff posts are certified ad-free. No money, bribes, or candy have been accepted.)
Laptops Deals

Lenovo Coupons
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.
Books Deals

Amazon Coupons
g: 0 Posted By: AnAceBuyer
Views: 634 Replies: 4 Just in time for Thanksgiving!!! Been shopping, and units of this quality are RARELY below $500.

These two are both scored very, very highly at every site I've checked, including Lowes, Home Depot, Whirlpool, and Sears. I like the look: no controls visible on the front; they're hidden in the top lip of the door. Simply needs a little craftsmanship installing them to ensure screws in top mounting don't scratch the controls. NOTE: there are holes in the side where you can use screws instead of the top!

Through Tuesday only, 10/15 at Lowes.com (15 place setting capacity, too)

Deal 1: cheapest deal, great features, price, and ratings
linky1 (can get 1.5% FWBCB or 2.5% ebates CB, plus 5% discount w/Lowes card OR 10% if you grab a post office moving discount card, which I used: net $404!)
$449 price in card (vs $599 list) Whirlpool Gold 24" Built-In Dishwasher (Stainless Steel) ENERGY STAR
Item #: 362071 | Model #: WDT710PAYMWhirlpool Gold 24" Built-In Dishwasher (Stainless Steel) ENERGY STAR ($26/yr operating estimate)

The Sensor cycle automatically selects the right wash and dry settings for your load and cleans tough soils 35% better
Highly energy-efficient dishwasher - uses nearly 1/2 the water and energy without compromising performance
Sani Rinse option sanitizes dishes by eliminating 99.999% of food soil bacteria, as certified by NSF International
AnyWare plus silverware basket can be placed on the front of the rack, in the door or use it in the bottom rack for 100% usable rack space
The industry-exclusive Overnight cycle quietly soaks your dishes with an extended prewash and then runs a Heavy Wash cycle to clean tough soils
The top rack wash option saves you time and energy by washing dishes in the top rack
Manually raise or lower the upper rack to better fit tall or odd-shaped items in either rack
Designed, engineered, and assembled in the USA


Deal 2:
If you "HAVE" to have the best, and a stainless tub, and quieter (51db vs 55db above)
linky2$539 price in cart(vs $799 "list")(can get 1.5% FWBCB or 2.5% ebates CB, plus 5% discount w/Lowes card OR 10% if you grab a post office moving discount card, which I used, net $489)
Whirlpool Gold 24" Built-In Dishwasher (Stainless Steel) ENERGY STAR($26/yr operating estimate)
Item #: 362073 | Model #: WDT790SLYM Gold 24" Built-In Dishwasher (Stainless Steel) ENERGY STAR

Lowe's exclusive feature - easily adjust the upper rack 2" up or down to fit larger items in either rack without sacrificing usable space
The Sensor cycle automatically selects the right wash and dry settings for your load and cleans tough soils 35% better
Highly energy-efficient dishwasher uses nearly half the water and energy without compromising performance
The industry-exclusive Eco Dry option uses 70% less energy compared to using Heated Dry
AnyWare Plus silverware basket can be placed on the front of the rack, in the door or use it in the bottom rack for 100% usable rack space
The industry-exclusive Overnight cycle quietly soaks your dishes with an extended prewash and then runs a Heavy Wash cyce to clean tough soils
The Top Rack Wash option saves you time and energy by washing dishes in the top rack
Designed, engineered, and assembled in the USA


I bought both, for store pickup, and will decide after looking at them which to keep. Used my Amex Gold card, too, adding a 1-year warranty extension. Like the great price for the first one, BUT, the extra features on the second one probably are worth it.

Would welcome FatWallet community feedback!!

Appliance Deals

Lowe's Coupons
g: 0 Posted By: AnAceBuyer
Views: 509 Replies: 2 Just in time for Thanksgiving!!! Been shopping, and unit of this quality are RARELY below $500.

Through Tuesday only, 10/15 at Lowes.com (15 setting capacity, too?)

Cheapest deal, great features, price, and ratings
linky1 (can get 1.5% FWBCB or 2.5% ebates CB, plus 5% discount w/Lowes card OR 10% if you grab a post office moving discount card, which I used: net $404!)
$449 price in card (vs $599 list) Whirlpool Gold 24" Built-In Dishwasher (Stainless Steel) ENERGY STAR
Item #: 362071 | Model #: WDT710PAYMWhirlpool Gold 24" Built-In Dishwasher (Stainless Steel) ENERGY STAR ($26/yr operating estimate)

The Sensor cycle automatically selects the right wash and dry settings for your load and cleans tough soils 35% better
Highly energy-efficient dishwasher - uses nearly 1/2 the water and energy without compromising performance
Sani Rinse option sanitizes dishes by eliminating 99.999% of food soil bacteria, as certified by NSF International
AnyWare plus silverware basket can be placed on the front of the rack, in the door or use it in the bottom rack for 100% usable rack space
The industry-exclusive Overnight cycle quietly soaks your dishes with an extended prewash and then runs a Heavy Wash cycle to clean tough soils
The top rack wash option saves you time and energy by washing dishes in the top rack
Manually raise or lower the upper rack to better fit tall or odd-shaped items in either rack
Designed, engineered, and assembled in the USA


Deal 2:
If you "HAVE" to have the best, and a stainless tub, and quieter (51db vs 55db above)
linky2$539 price in cart(vs $799 "list")(can get 1.5% FWBCB or 2.5% ebates CB, plus 5% discount w/Lowes card OR 10% if you grab a post office moving discount card, which I used, net $489)
Whirlpool Gold 24" Built-In Dishwasher (Stainless Steel) ENERGY STAR($26/yr operating estimate)
Item #: 362073 | Model #: WDT790SLYM Gold 24" Built-In Dishwasher (Stainless Steel) ENERGY STAR

Lowe's exclusive feature - easily adjust the upper rack 2" up or down to fit larger items in either rack without sacrificing usable space
The Sensor cycle automatically selects the right wash and dry settings for your load and cleans tough soils 35% better
Highly energy-efficient dishwasher uses nearly half the water and energy without compromising performance
The industry-exclusive Eco Dry option uses 70% less energy compared to using Heated Dry
AnyWare Plus silverware basket can be placed on the front of the rack, in the door or use it in the bottom rack for 100% usable rack space
The industry-exclusive Overnight cycle quietly soaks your dishes with an extended prewash and then runs a Heavy Wash cyce to clean tough soils
The Top Rack Wash option saves you time and energy by washing dishes in the top rack
Designed, engineered, and assembled in the USA


I bought both, for store pickup, and will decide after looking at them which to keep. Used my Amex Gold card, too, adding a 1-year warranty extension. Like the great price for the first one, BUT, the extra features on the second one probably are worth it.

Would welcome FatWallet community feedback!!

Appliance Deals

Lowe's Coupons
g: 0 Posted By: AnAceBuyer
Views: 154 Replies: 0 Just in time for Thanksgiving!!! Been shopping, and unit of this quality are RARELY below $500.

Through Tuesday only, 10/15 at Lowes.com (15 setting capacity, too?)

Cheapest deal, great features, price, and ratings
linky1 (can get 1.5% FWBCB or 2.5% ebates CB, plue 5% discount w/Lowes card OR 10% if you grab a post office moving discount card, which I used: net $404!)
$449 price in card (vs $599 list) Whirlpool Gold 24" Built-In Dishwasher (Stainless Steel) ENERGY STAR
Item #: 362071 | Model #: WDT710PAYMWhirlpool Gold 24" Built-In Dishwasher (Stainless Steel) ENERGY STAR ($26/yr operating estimate)

The Sensor cycle automatically selects the right wash and dry settings for your load and cleans tough soils 35% better
Highly energy-efficient dishwasher - uses nearly 1/2 the water and energy without compromising performance
Sani Rinse option sanitizes dishes by eliminating 99.999% of food soil bacteria, as certified by NSF International
AnyWare plus silverware basket can be placed on the front of the rack, in the door or use it in the bottom rack for 100% usable rack space
The industry-exclusive Overnight cycle quietly soaks your dishes with an extended prewash and then runs a Heavy Wash cycle to clean tough soils
The top rack wash option saves you time and energy by washing dishes in the top rack
Manually raise or lower the upper rack to better fit tall or odd-shaped items in either rack
Designed, engineered, and assembled in the USA


Deal 2:
If you "HAVE" to have the best, and a stainless tub, and quieter (51db vs 55db above)
$539 price in cart(vs $799 "list")linky2(can get 1.5% FWBCB or 2.5% ebates CB, plue 5% discount w/Lowes card OR 10% if you grab a post office moving discount card, which I used, net $489)
Whirlpool Gold 24" Built-In Dishwasher (Stainless Steel) ENERGY STAR($26/yr operating estimate)
Item #: 362073 | Model #: WDT790SLYMGold 24" Built-In Dishwasher (Stainless Steel) ENERGY STAR

Lowe's exclusive feature - easily adjust the upper rack 2" up or down to fit larger items in either rack without sacrificing usable space
The Sensor cycle automatically selects the right wash and dry settings for your load and cleans tough soils 35% better
Highly energy-efficient dishwasher uses nearly half the water and energy without compromising performance
The industry-exclusive Eco Dry option uses 70% less energy compared to using Heated Dry
AnyWare Plus silverware basket can be placed on the front of the rack, in the door or use it in the bottom rack for 100% usable rack space
The industry-exclusive Overnight cycle quietly soaks your dishes with an extended prewash and then runs a Heavy Wash cyce to clean tough soils
The Top Rack Wash option saves you time and energy by washing dishes in the top rack
Designed, engineered, and assembled in the USA


I bought both, for store pickup, and will decide after looking at them which to keep. Used my Amex Gold card, too, adding a 1-year warranty extension. Like the great price for the first one, BUT, the extra features on the second one probably are worth it.

Would welcome FatWallet community feedback!!

Appliance Deals

Lowe's Coupons
Intel Core i3-3220 Processor - $109.99
Added on : Friday October 11th 2013 09:00:09 AM
There's nothing like the Intel Core i3-3220 Processor to meet the industry's need for powerful performance.
government shutdown, default on debts
Added on : Sunday October 06th 2013 04:00:05 AM
g: -3 Posted By: FrugalFreak
Views: 127 Replies: 2 what will the impact be on credit market when a large portion defaults on debt unable to pay mortgages, credit cards? Will it force credit industry to loosen credit reins? will it dilute the overall scoring system? better options for remaining top credit citizens?
General Economics Deals
Lincoln Moneyguard ( Universal Life + Long Term Care Ins. )
Added on : Thursday October 03rd 2013 04:00:10 AM
g: 0 Posted By: Cerestes
Views: 58 Replies: 0 Good Morning,

Is anyone familiar enough with the advantages and disadvantages of this policy, or this type of policy to give quick good idea/bad idea advice?
Lincoln Moneyguard Reserve Plus:
https://www.lfg.com/LincolnPageServer?LFGPage=/lfg/lfgclient/fpr...

Sorry for the nebulous details, but I'm getting most of this second hand (through purchaser, not their broker/agent)
Purchaser is a 64 y/o non-smoking female with no known health issues. Policy cost is $100K, paid at $10K per year for ten years.
Long term care payout caps something like $4900/month for 6 years (~$350K).
If not used, when the purchaser dies, they it converts to a life insurance policy, which if I understand correctly pays 350K, less any long term care they pay out.

I don't believe the purchaser has any reason to purchase life insurance, but is of the mindset that wasting money on LTC insurance and then not using it would be bad.
The whole "you get it back as life insurance" aspect is something she appreciates.

One specific question is around the restrictions put on the LTC portion, which they actually call a "Convalescent Care Benefits Rider".
Is this just the industry name for this type of coverage? Or Is this really just a really restricted rider that won't end up acting as long term care insurance due to some set of exclusions?

Thanks!






General Economics Deals
Free sample of a PLANPACK bag for documents
Added on : Thursday September 26th 2013 05:00:08 AM
g: 0 Posted By: remick
Views: 6 Replies: 0 http://planpacks.com/pages/contact

PlanPacks is the industry leader in providing shipping, mailing and packaging solutions to offices of architects, general contractors, engineers and reprograhic print outlets across the United States and Canada.

These are what they look like

http://planpacks.com/
Expatriating to Switzerland
Added on : Tuesday September 24th 2013 10:00:05 AM
g: 1 Posted By: nasheedb
Views: 203 Replies: 16 Little bit of background first. My gf is finishing up her PhD and will likely graduate early next year. In her field, it is very common, almost expected, to do a couple of years of post-doc after graduation. When we started dating, she always said that she wanted to do her post-doc in Europe because it would help her career tremendously. I've always been firm in wanting to stay in the US since I'm pretty well established here, I have a good paying job in a niche industry and I own a house.

In August my gf had a conference in Switzerland that she attended. I went with her the FWF way, paid for the flight with miles and stayed in her hotel room that her school paid for. The week before we left, I was browsing some forums when I came across a job posting in Switzerland, a job that I was qualified for. I sent the link to her just to show her what I found. I was never planning on applying, but she strongly encouraged me to do so and I did. I figured I had nothing to lose. The company was very interested in talking to me and they setup an interview for the following week. I met with them on a Tuesday, and the interview went very well, in fact they asked me to come back for a follow-up interview two days later. After the second interview they explained to me what's going on. They're very interested in me, I'm the perfect candidate for the position, however, I am a US Citizen. Since the IRS strong-armed their banks into turning over tax cheats, they don't like Americans very much. In fact, for every job opening they have, they have to first recruit in Switzerland, then the EU before they can even consider an American. The government will not approve work visas for Americans unless it is an absolute necessity. Fast forward a month and I receive a job offer.

The details:
Age: 26
Current Salary: low 100s. No bonus, no compensation for overtime, nothing extra. I'll be very lucky if I get a 3% raise next year.
Benefits: 2 weeks vacation, 1 week sick, 9 paid holidays, 4% match on 401(k) if you max it out
Job conditions: Terrible. There are 4 of us on the team who do the same thing as me. I have about 10 years experience with this product (yeah, I really started working in this industry at 16) and not to be tooting my own horn, but I'm an expert at what I do. There are 3 others on the team, and their experience ranges from literally fresh out of training to 3 years with the product. The guy who has the 3 years experience should be able to do a lot, but he's the most incompetent person that I've ever had to work with. Because of the inexperience/incompetence on the team, very basic changes need to be made in the middle of the night and I have a lot of changes to make. I am up very late at least once a week, sometimes more. I also put in a lot of time on the weekends, sometimes I even work 20+ hours in a single weekend. All this extra work I receive absolutely no compensation for. Additionally, the company as a whole is doing really badly, we're losing clients, laying off employees, etc. Things are bad now, but they will only get worse. There is a very real chance that I will get laid off in the next 12 months, especially if the others on the team gain more experience as they probably make a lot less than I do. I'm on-call 24/7.

The offer:
Base salary: $115k when converted to USD
Bonus: 15% or a little over $17k if 100% of targets are met (not quite sure what the targets will be)
Sign-on bonus: $5.5k for relocation assistance and they provide an apartment for a month while I get my own apartment
Benefits: 5 weeks vacation, pension contribution (I think around 4.5% of salary), overtime pay (or additional time off, but I'd take the money) for anything over 45 hours/week and the Swiss don't have "Exempt" classifications, company paid accident insurance (global), $100/week extra every week that you're on-call
Job conditions: employees are much more expensive to the company since they have to pay them more and they can't abuse them and treat them like slaves. That means that they're only hiring the best of the best, employees who can get a lot done in a short amount of time. All my coworkers would all be very smart (this was apparent in the interview), I wouldn't be constantly banging my head against the desk about what a stupid mistake someone made. The Swiss also have a very good work ethic, they don't browse Facebook, Youtube, FWF etc while they're at work. When you're at work, you're expected to work. There would also be an on-call rotation.

Pros:

I get to try something new and exciting. I've lived in Texas for almost 5 years now. Texas will still be here even if I go overseas for 3 years. If I don't take this chance, I will always feel like I missed out because later on I will likely not be able to do something like this. It's just a lot harder when you have kids.
I get to see all of Europe in 3 years. Switzerland is in the dead center of Europe. Travel is really easy, you have all the cheap carriers like RyanAir and you have an awesome train system.
I'll get to visit extended family more often. My grandparents (as well as aunts, uncles, cousins, etc)live in Eastern Europe. My grandparents aren't going to live forever...
Money. Yeah, I'll be making a little bit more money, but honestly it will be a wash because living in Switzerland is very expensive. Where the money really makes a huge difference will be with my gf. Pretty much all post-docs in the US pay $40-45k/year independent of location (basically no COL adjustment). In Switzerland, she would make $90-100k/year as a post-doc. If we lived together in Switzerland, that would certainly cut down on my living expenses.
Savings: My goal would be to save up $100k cash while living in Switzerland, probably 3 years. This would come from lower standard of living, going from a 3000 sq ft house to a 1 bedroom apartment, going from 2 cars to a bicycle.
Side income: If I quit my job, there is a very high chance that I'll get extra 1099 work from them at least in the short term, until they find someone to replace me. I work remotely now, and my employer doesn't care where I am working from currently. By the time I finish my work in Switzerland, they're just starting the day in the US, so the time-zone difference actually plays in my advantage
Career. While this job itself is essentially a lateral move for me from a responsibility perspective, gaining international experiencewill help my career in the future

Cons:

The unknown
High cost of living. A one-bedroom apartment in the part of Switzerland that I would be about $2000/month. Food is at least twice as expensive as it is in the US. The Swiss are very healthy, all their food is organic and they've banned a bunch of chemicals that we eat every day. This means that you're essentially forced to buy all your groceries at Whole Foods. Any restaurant meal will be at least $30-40 a person.
Lower standard of living. I'd be going from living in a 3000 sq ft house to a 1 bedroom apartment. I'd go from driving everywhere to having to bike and use public transportation, etc.
I get stuck in Switzerland alone ifmy gf isn't able to find a post-doc.
Absentee landlord. I wouldn't sell my house, I'd rent it out. I'd have to deal with the headaches of being an absentee landlord. I'd also probably end up cash-flow negative on the house since my loan is for 10 years.
Miss out on retirement contributions. No 401(k), most likely no Roth IRA either (too much income), but I've already got a pretty good head start on retirement savings, so this isn't that big of a deal. I have close to $200k saved up for retirement already.

My thoughts at this point are that the salary that they're offering me is a little bit on the low side. I'd like to get at least another 10%. They obviously couldn't find someone qualified in Switzerland or the EU, if they could then they wouldn't have made me the offer. I think I can approach this from the angle of "I'm making almost that much today, but in a much lower cost of living area". What are everyone's thoughts? Should I do this or no? How should I handle the salary negotiation?
Personal Finance 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: 0 Posted By: remick
Views: 142 Replies: 0 http://www.amazon.com/Im-No-Angel-Victorias-ebook/dp/B00AEB3B2E/

In December 2011, 21-year-old Victoria's Secret model Kylie Bisutti stunned the fashion industry when she chose faith over fame and fortune and made the switch from supermodel to role model.

In I'm No Angel, Kylie shares her story--from her early years struggling to make it big in the cut-throat world of modeling, her "big break" winning the Victoria's Secret Runway Angel competition, and the disillusionment and spiritual warfare that followed, to the moment she realized that she could no longer reconcile her career with her Christian beliefs, surrendered her life to God, said goodbye to the runway, and dedicated her life to preaching a message of modesty and inner beauty.

Along the way, Kylie talks about her personal struggles with inadequacy, low self-esteem, and her near-constant quest for approval in a world where you can never be thin enough, pretty enough, or sexy enough. She helps readers understand that true beauty lies within and that real fulfillment comes from knowing, loving, and serving Christ.
Books Deals

Amazon Coupons
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
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Pre-Owned Wii System Contains:

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g: 0 Posted By: lovelybones
Views: 191 Replies: 0 LINKY@Amazon.com
This item will be released on December 31, 2013.


Pre-order and Get a Free Upgrade to the Limited Edition
Pre-order Final Fantasy X|X2 HD Remaster and receive a free upgrade to the Limited Edition with an art book, featuring 24 pages of concept art and commentary from the original FINAL FANTASY X and FINAL FANTASY X-2 development teams. Offer valid when shipped and sold by Amazon.com. Amazon reserves the right to change or terminate this promotion at any time. Limited to one per customer order.

Product Description:

FINAL FANTASY X/X 2 HD Remaster celebrates two of the most cherished and beloved entries to the world renowned franchise that has sold over 100 million units over the past twenty five years. FINAL FANTASY X introduced players to the world of Spira, and left a legendary impression on the industry with its stunning visuals, heart wrenching story, and fully voiced characters a first in a FINAL FANTASY title. FINAL FANTASY X 2 marked the first ever direct sequel to a FINAL FANTASY title, and returned players to Spira with an even more addictive and fast paced combat system. Now completely remastered in gorgeous HD, FINAL FANTASY X/X 2 HD Remaster brings this timeless classic forward to the current generation of fans, old and new alike. FINAL FANTASY X tells the story of Tidus, a star blitzball player who journeys with a young and beautiful summoner named Yuna on her quest to save the world of Spira from an endless cycle of destruction wrought by the colossal menace known as "Sin". FINAL FANTASY X 2 returns to the world of Spira where High Summoner Yuna travels with her companions Rikku and Paine to unravel the mysteries of the messages hidden in the spheres she hunts, not knowing that the answers she seeks may change everything
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g: 0 Posted By: TheRatsWon
Views: 126 Replies: 0 http://www.newegg.com/Product/Product.aspx?Item=N82E16822148910

With Promo Code EMCXLWL45 (May need to log in)

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Mountain Hardwear Lamina 20 Sleeping Bag $99.95 + Free shipping
Added on : Wednesday September 18th 2013 06:00:04 AM
g: 0 Posted By: tedhawkins
Views: 230 Replies: 0 Mountain Hardwear Lamina 20 Sleeping Bag $99.95 + Free shipping

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

In 1993, a small group of people who had weathered years in the outdoor industry decided to get together and form Mountain Hardwear. In addition to working in the outdoor industry, the Mountain Hardwear founders were avid outdoors people themselves Mountain Hardwear has always focused on bringing radical thinking to the gear they make. That's why they have a section in our website that talks about the innovation they've built into their products. The Lamina 20 is an excellent choice for damp, cold conditions. Welded layer construction maintains loft in the bag through repeated washings and compression cycles. This comfortable, roomy, mummy cut bag is insulated with ThermicMicro fill. Face gasket and Ergo Draft Collar work together to seal in warmth.
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Free - InDesign CS5 Automation Using XML & JavaScript (was $35.00)
Added on : Tuesday September 17th 2013 01:00:03 AM
g: 1 Posted By: remick
Views: 61 Replies: 0 http://www.amazon.com/InDesign-Automation-Using-JavaScript-ebook/dp/B00F4X1RKA

InDesign is now regarded as the industry standard in desktop publishing and is very widely used by publishing professionals and non-specialists alike. Many users have a pressing need for automation of their workflows but have been reluctant to get started because of the lack of a simple internal mechanism for recording steps, like Photoshop and Illustrator actions.
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g: 0 Posted By: perpetualstudent
Views: 104 Replies: 0 I'm about to enter into some 1099 consulting work. It should be fairly lucrative and I want to maximize tax writeoffs for other things. Without going into specifics, here's some general details of three activities I perform, that may qualify as business activities or the IRS may rule them as hobbies.

ACTIVITY 1) Primary 1099 Consulting Work. It's what's really paying the bills. No one can argue this is a hobby. This is where 99% of my income will be derived. As of right now, I plan to do this as a Sole Prop because it's low-liability type work and Sole Prop seems easiest/cheapest to do. Also most common for my profession.

ACTIVITY 2) I have an LLC for this "activity" that I very much enjoy and is something I could potentially do as a business, and people do this work as a business, however I have yet to charge people for my services. I do it to maintain my skills and for fun with friends. I have expenses but I haven't tried to deduct any of them yet. The reason I don't do this as a business is because "ACTIVITY 1" pays 10x more than this activity could possibly pay. This is also a high liability area so the LLC is necessary. Basically over the last few years I've been filing LLC annual fees and keeping it up so I could eventually declare it a legitimate business. By most reasonable assessments, I can demonstrate that I do in fact possess the professional skillset to do this as an actual business and with my background as an MBA, I can write out a rock solid market feasibility study and business plan that would be better than those of 99% of other small businesses. That said, I'm concerned that this could be declared a "hobby" because at least as of right now, it pretty much is.

ACTIVITY 3) This is not currently an entity of any kind, nor is there any money involved yet. This is fiction writing. I enjoy it as a hobby and would love to be published and do it full-time but that's very rare to do and even if there's never any money, I'll keep doing it for fun.

Here's my question/idea:

Can I deduct expenses from Activities 2 and 3 against my 1099 income from Activity 1?

I think the answer is "maybe" and here's the assessment I've done based on some research over the years:

a) I probably need to declare all 3 business "units" as separate with respect to revenue and expenses. So I probably can't write off expenses from Activity 3 against Activity 1.

b) If I keep Activity 1 as a sole prop and Activity 3 as a sole prop, I might be able to merge the revenue/expenses on the same tax return. I assume it's just "add up all revenue from all sole prop activities and add up all expenses from sole prop activities". I don't think I'll need to separate them, however I would need to prove that I have the professional ability to actually be a professional writer and count that as a non-hobby. Without going into full details and boring people, there's a chance I could make a moderate-strength case that I have the coursework/training to be a professional writer.

c) I've read that the IRS allows you to deduct the expenses from a failed business against other income, assuming you can prove it's a legitimate business and not a hobby. As I mentioned in Activity 2 above, I'm 99% sure I can prove it's a legit business, because I have an industry certification to perform the specific professional service, and I have a legit looking business plan/marketing feasibility study. I've also read something to the effect that if the business fails year after year to earn a profit, I have to demonstrate that I've made changes to the business plan, as a real business would that is failing, to try to become profitable by mitigating whatever caused the failures. I think I can do that as well.

I will say that Activity 2 is a VERY expensive hobby. I'd like to turn it into a cheaper hobby by declaring it a legitimate business and deducting expenses.

Activity 3 is a very CHEAP hobby, but I'd like to travel to writing workshops/conferences if I can deduct that as an expense against my primary source of income.

Anyone here have experience doing anything like this? Where you have one primary source of income for 99% of your work but have a few things you really enjoy doing, but aren't really making money, but figured out how to create "legitimate" businesses around them for tax deduction purposes?
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Steps to find a new job in a period of unemployment?
Added on : Thursday September 12th 2013 01:00:04 AM
g: 0 Posted By: rza1
Views: 40 Replies: 0 Assuming that you are unemployed, what are the best steps to get back into the workforce? My industry is financial services. I've had interviews in recent months but I haven't been able to seal the deal and I know what mistakes I made. I don't have much of a network, so while I did try that path, I've been relying heavily on using sites like indeed, emailing recruiters directly, etc. What if there are no new jobs to even apply to? In the beginning, I saw a handful each day to apply to, but now I see maybe 1-2 new openings per day that fit my background. Any advice would be greatly appreciated on how I can accelerate the process.
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Free Kindle- Democratizing Innovation (was $19.99)
Added on : Tuesday September 10th 2013 01:00:02 AM
g: 0 Posted By: remick
Views: 49 Replies: 0 http://www.amazon.com/Democratizing-Innovation-ebook/dp/B001C4PTLS

Innovation is rapidly becoming democratized. Users, aided by improvements in computer and communications technology, increasingly can develop their own new products and services. These innovating usersboth individuals and firmsoften freely share their innovations with others, creating user-innovation communities and a rich intellectual commons. In Democratizing Innovation, Eric von Hippel looks closely at this emerging system of user-centered innovation. He explains why and when users find it profitable to develop new products and services for themselves, and why it often pays users to reveal their innovations freely for the use of all.

The trend toward democratized innovation can be seen in software and information productsmost notably in the free and open-source software movementbut also in physical products. Von Hippel's many examples of user innovation in action range from surgical equipment to surfboards to software security features. He shows that product and service development is concentrated among "lead users," who are ahead on marketplace trends and whose innovations are often commercially attractive.

Von Hippel argues that manufacturers should redesign their innovation processes and that they should systematically seek out innovations developed by users. He points to businessesthe custom semiconductor industry is one examplethat have learned to assist user-innovators by providing them with toolkits for developing new products. User innovation has a positive impact on social welfare, and von Hippel proposes that government policies, including R&D subsidies and tax credits, should be realigned to eliminate biases against it. The goal of a democratized user-centered innovation system, says von Hippel, is well worth striving for. An electronic version of this book is available under a Creative Commons license.
Help evaluating multiple offers
Added on : Monday September 09th 2013 10:00:05 AM
g: 0 Posted By: RastaPasta
Views: 189 Replies: 5 Hi FW-

Usually I can get some good feedback from this forum so I wanted to present a few work scenarios I am contemplating right now. Ive been working in accounting/finance for approx. the last 10 years. Most of the work is specialized within one particular industry (entertainment). Im not a CPA, but I also do a little bookkeeping on the side for various people both in my industry and in others. One of my clients is interested in basically having me go full time. His business is more engineering oriented. So here are my options:

Current employer: $70K annual salary, decent health benefits, I contribute about $1200/yr towards cheapest HMO. They have a 401k with 6% match but I dont contribute, Im 32 and plan to work until I drop dead or become disabled. I get 10 days PTO, 1 personal day, and we get XMAS through new years off (which is industry standard although this place seems to have a big debate about it every year). We also get some other days off like a few Fridays during the summer. The work environment is pretty relaxed (no overtime, cool bosses in my dept) and I am good at my job and I am also the only person who does this job. I dont see a lot of room for growth though, as it is a very top heavy organization, although my boss recently said the CFO wants me to take on some new projects from another dept. In the past (at other employers) this usually means hey, here is a bunch of extra work because you are good at it and I hope you are happy with your current salary. I did get a $3k bonus last year, but we were recently purchased by a PE firm and they laid off a bunch of people so I think that is up in the air now. So I am approaching my 2 year anniversary here and still at the same base salary I was hired at. This is a $100M company. My commute is OK by standards in this city, at around 45-50 mins each way (in heavy traffic) although I am getting really tired of it lately.

New Opportunity:Small business, gross revenue around $1M. Ive known the owner for around 10 years and consider him a friend. Also some of my closest friends work for him for quite a while now. I also would have the opportunity to delve into the engineering side of his business and learn some new skills. Particularly if I took the initiative to learn some of the software packages they work with. The commute is 10 minutes. He mentioned Id probably get around 3 weeks PTO but I know he has no formal vacation policy and as long as business needs can support it, he gives time off liberally. He also makes a concerted effort to keep employees happy with lunches, etc and I have seen him give out some nice bonuses too at the end of the year. Because of the nature of the business, I think OT is required when they are very busy or get a job that falls in off hours. I would do more than just the books, and would probably assume an overall business administration / operations role, doing whatever needs to be done on that end and also possibly even helping out with some of their jobs when they get slammed. My main concern is that if the economy goes south and his business suffers, he may find it not possible to retain me, since my compensation is fairly high compared to others there. I know in 2008 they had some hard times and he kept everyone on, but asked that they take pay cuts until business picked back up. At the end of the year things were much better and he gave out good bonuses to compensate. Anyway I have these two options:

Salaried: $72K ($6k/mo), PPO health plan I am sure I would have to contribute maybe around $100/mo for.
Contractor: $78K ($6500/mo), no benefits.

Im pretty sure I am going to go over to the new place for the obvious reasons (more cash, better commute, less bureaucracy). I still like entertainment but it has lost its luster after 10 years and I feel like I am trapped in this niche and need some new skills. I am also leaning towards the contract position. I could use the extra cash flow to better manage some of my debt and expenses, write off business expenses including a small portion of my extremely high rent, and also attempt to pursue some more business management contract opportunities with other contacts I made over my 10 years in entertainment. Of course the downside is no health insurance in case ish hits the fan, no unemployment if I get laid off or other protections afforded salaried employees, and most of all double FICA. So what would you choose in my situation? Mostly interested to hear salary versus contract but I gave info on my current employer for those few who say dont do it. If you say that please tell me why. I usually talk these over with my dad since he has years of experience with both but my mom is in the hospital and I just dont want to go there since I can tell he is stressed enough.

Thanks - RP
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Free Wedding Book - Great Bonuses - Save $4.97 !
Added on : Monday September 09th 2013 03:00:12 AM
g: 0 Posted By: MargaretW
Views: 46 Replies: 0 Hey everyone, I found a Free book today - Excellent book, tons of info & LOTS of good tips! And TWO Bonuses with it !!

Title: Wedding Ideas ... How to Plan a Beautiful Wedding
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'Loan Size to Be Cut for Fannie, Freddie' (WSJ)
Added on : Sunday September 08th 2013 03:00:05 PM
g: 0 Posted By: tuphat
Views: 102 Replies: 0 WSJ reporting that GSEs' regulator may lower conformingloan limits. Link: http://online.wsj.com/article_ (possible paywall).

Excerpt:

Federal officials are preparing to reduce the maximum size of home-mortgage loans eligible for backing byFannie MaeandFreddie Mac,a move that is likely to face resistance from some lawmakers in Congress and the real estate industry.The proposed move is designed to wean the mortgage market off government support and allow the market for non-government-guaranteed mortgages to take a bigger role. But critics argue that any such move will shrink the pool of eligible home buyers, stunting the nation's housing recovery.... Currently, Fannie and Freddie Mac can back mortgages that have balances as high as $417,000 in most parts of the country and up to $625,500 in expensive housing markets, including parts of California and New York, and as much as $721,050 in Hawaii. ...The Federal Housing Finance Agency, which regulates Fannie and Freddie, hasn't announced how far it will drop the loan limits, which would take effect Jan. 1, 2014, and a spokeswoman declined to elaborate on specifics. But in a statement, the agency said a "gradual reduction in loan limits is an appropriate and effective approach to reducing taxpayers' mortgage-risk exposureand expanding the role of private capital in mortgage finance."
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NCUA Warns Federal Credit Unions About Open Membership
Added on : Saturday September 07th 2013 09:00:12 PM
g: 2 Posted By: NEDeals
Views: 86 Replies: 1 The National Credit Union Administration, a federal agency based in Old Town Alexandria, Virginia has sent a letter to federal credit unions warning them against open membership policies. They seem unhappy the credit unions are advertising that their credit union is available to all via relaxed membership policies or a field of membership that contains access easily obtainable by all. This could make it much more difficult to join some credit unions (e.g. State Department, PenFed, DCU, etc.) that heavily advertise for new members. Credit union members are supposed to have common bonds and the NCUA states guidelines for associations that are used in a field of membership, including paying dues, having meetings etc. .

As the NCUA is a federal agency and thus its works are not copyrightable, here is the text of the letter which is also available at
http://www.ncua.gov/Resources/Pages/LFCU2013-03.aspx
NCUA LETTER TO FEDERAL CREDIT UNIONS
NATIONAL CREDIT UNION ADMINISTRATION
1775 Duke Street, Alexandria, VA 22314
DATE: September 2013 LETTER No.: 13-FCU-03
TO: All Federal Credit Unions
SUBJ: Potential Violations of Common Bond Advertising Requirements

​Dear Board of Directors and Chief Executive Officer:
If your credit union is advertising that anyone, without limitation, is able to become a member of your credit union, then you may be in violation of federal law and regulation.

Some overly aggressive marketing campaigns by federal credit unions to facilitate membership through associational groups are providing consumers with misleading information about single and multiple common bond membership requirements.

NCUA is particularly concerned about advertising by federal credit unions stating their fields of membership are open to anyone. Several recent examples of such overly expansive advertising focus on becoming a credit union member by first joining a particular association. Mainstream financial publications have picked up on this message, as evidenced by recent articles listing federal credit unions perceived to have open membership. This gives the false impression that there are no restrictions on joining a federal credit unionwhich is not the case.

In light of these issues, this letter is intended to remind you of the:



Common bond requirements in the Federal Credit Union Act and NCUA rules;



Requirements for accuracy of advertising in NCUA rules; and


Consequences of failing to comply with these requirements.


Common Bond Requirements
Section 109(b) of the Federal Credit Union Act limits federal credit union membership to three basic types single common bond, multiple common bond, and community: 1

A single common bond credit union consists of persons related by their occupation, (i.e., their place of employment or trade, industry or profession), or related by their association (i.e., place of worship or affiliations).

A multiple common bond credit union consists of more than one group of persons related by either their occupational or associational affiliations.

NCUA rules, specifically the Chartering and Field of Membership Manual, 2 explain the requirements for the associational common bond. 3 NCUA determines whether a group satisfies the associational common bond requirements based on a totality of the circumstances test, which has the following seven factors 4

1) Whether members pay dues;

2) Whether members participate in the furtherance of the goals of the association;

3) Whether the members have voting rights;

4) Whether the association maintains a membership list;

5) Whether the association sponsors other activities;

6) The associations membership eligibility requirements; and

7) The frequency of meetings.

NCUAs Office of Consumer Protection has begun conducting quality control reviews of federal credit unions that may be improperly using associations to sign up members without a common bond.

Advertising Requirements

Section 740.2 of NCUAs Accuracy of Advertising rule prohibits any advertising or representation that is inaccurate or deceptive. Advertisements that include language to the effect that anyone can join or membership is open to everyonewithout any qualifying languagecan give the impression that the Federal Credit Union Acts single or multiple common bond requirements do not apply. When this occurs, the advertisements are inaccurate or deceptive.

Please review your credit unions advertising and promotional practices and ensure all current and future materials accurately portray membership eligibility.

Consequences of Non-Compliance

The Federal Credit Union Act provides NCUA with a broad array of supervisory and administrative tools to enforce the law and rules. Depending on the degree of non-compliance, NCUA may initiate a supervisory contact, require a federal credit union to divest an associational group from its field of membership, and/or issue a Cease and Desist order.

The tool NCUA chooses will depend on a variety of factors including the severity of a particular violation, available methods to rectify a violation, and the extent of a federal credit unions cooperation.

Upholding the membership standards of every federal credit union charter is essential to maintaining the integrity of the federal credit union system.

If you have any questions about NCUAs common bond or advertising requirements, please contact the Office of Consumer Protection at 703-518-1140 or OCPMail@ncua.gov.

​Sincerely,

/s/

Debbie Matz
Chairman

1 12 U.S.C. 1759(b). Community credit unions serve persons and organizations within the boundaries of a well-defined local community, neighborhood, or rural district.
2 12 C.F.R. 701, Appendix B.
3 12 C.F.R. 701, Appendix B (Chapter 2, Section III.A.1). A single associational common bond consists of individuals (natural persons) and/or groups (non-natural persons) whose members participate in activities developing common loyalties, mutual benefits, and mutual interests.
4 12 C.F.R. 701, Appendix B (Chapter 2, Section III.A.1). The Chartering Manual notes specific examples of categories of groups that may or may not qualify as having an associational common bond.​
National Credit Union Association


g: 0 Posted By: Gauss44
Views: 215 Replies: 1 http://www.foodsourceinc.com/dairy.asp

Use the drop-down bar. They have an excellent selection! They only sell in bulk. They do ask for a company name and probably perfer or require a connection to the food industry.
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g: 0 Posted By: lovelybones
Views: 6 Replies: 0 Special buy of the day

Direct linky.

PRODUCT OVERVIEW

This Metaltech multipurpose maxi square baker-style rolling scaffold features a rugged 1-1/2 in. square tube steel construction with a baked-on yellow poly powder coat finish, 5 in. double locking caster wheels and a full hand grip spring-loaded locking mechanism. Steel reinforced plywood platform adjusts from 27-71 in. in 2 in. increments. The 6' baker style is the most popular scaffold in the industry and preferred by most professionals and homeowners.

1000 lb. rated capacity
This Baker Style scaffold unit will conveniently fit through standard door openings making it very portable to move from room to room
One person can easily assemble and adjust the platform heights in 2 in. increments with the full hand grip spring loaded locking lever
Scaffold can be used on stairways and is ideal for drywall and painting applications particularly those hard to reach high ceilings
Multiple scaffolding units can be stacked when using the optional outriggers for stability
Meets OSHA requirements
Includes precision welded ladder end frames, side rails, platform, double-locking caster wheels and locking pins
The safety guard rail and outrigger set are also an optional accessory
The scaffolding can be for both interior and exterior use
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g: 0 Posted By: bestbuy1115
Views: 318 Replies: 2 Get your free sample of Hellmanns/Best Foods Light Mayonnaise!
Register below for a free sample of Hellmanns/ Best Foods Light Mayonnaise.

http://www.unileverfoodsolutions.us/promotions/hellmanns-light-m...
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g: 0 Posted By: tedhawkins
Views: 50 Replies: 0 Guns - Nickel Boron Complete Carrier (MSRP $117.00) $79 + $8 Flat shipping

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Deal Overview
Our EXO NiB Complete Carrier with staked gas key. This carrier will give you thousands of rounds of continuous use without the hassle of continuous cleaning due to its natural lubricious properties.

-8620 Carrier
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-Extremely durable EXO NiB coating.

Legal Notes:
Any purchases and purchasers of this offer agree and declare that they do legally own a registered M-16 and/or a registered Short Barreled Rifle and these components are replacement parts for them. I understand that all NFA rules apply and I will abide by the rules of the BATFE. I am aware of all the legal ramifications that accompany installing these components in or on an AR-15 Lower. I hold Gearhog harmless for any legal issues that may arise due to my purchasing and utilizing these components. I certify that I will not break any federal, state, or local laws by acquiring and/or using these components in my legally registered firearms. Any and all questions, comments, or inquiries concerning legality of usage or ownership should be directed to the BATFE http://www.atf.gov/firearms/industry/
Leonov Y410p 4th gen i7 14" - $769
Added on : Wednesday August 28th 2013 11:00:03 AM
g: 0 Posted By: thsze
Views: 226 Replies: 0 link

Use eCoupon: 4SCHOOL

4th Generation Intel Core i7-4700MQ Processor (2.40GHz 1600MHz 6MB)
14.0" HD Glossy with integrated camera 1366x768
NVIDIA GeForce GT750M GDDR5 2GB
8.0GB PC3-12800 DDR3L SDRAM 1600 MHz
1TB 5400 RPM
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What topics to review for Intermediate Accounting?
Added on : Tuesday August 27th 2013 03:00:09 AM
g: 0 Posted By: els2k
Views: 72 Replies: 1 Hello! New guy here.

For those that have completed their Accounting degree, what topics should I cover?

I plan to purchase an older edition intermediate accouting textbook and reviewing my accounting textbook from Principles of Accounting.

I plan on pursuing the CPA eventually. Originally, I wanted to pursue Finance degree because of it's intense math (something I enjoy).

Those with experience in the industry, do employers discriminate age? I plan to be done by 29-30 years old.

Any recommendations?
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g: 2 Posted By: archena
Views: 130 Replies: 0 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase.

Business Innovation Insights (Collection) (2nd Edition) (FT Press Delivers Collections) [Kindle Edition] was $122.99

Luke M. Williams (Author), Deepa Prahalad (Author), Robert Brunner (Author), Ravi Sawhney (Author), Jonathan Cagan (Author), Craig M. Vogel (Author)

http://www.amazon.com/dp/B00COGYQOY

Publication Date: April 27, 2013

Publisher: FT Press

No Reviews
#3 inKindle Store > Kindle eBooks > Business & InvestingAn up-to-the-minute collection of techniques for jumpstarting innovation in any market, product, service, or process Hot new ideas for supercharging business innovation in any market, right now: 4 extraordinary books from world-renowned pioneers in all facets of innovation!This 4-book package brings together todays fastest, most powerful, most realistic solutions for jumpstarting innovation -- whatever you sell, whatever industry youre in! Youll discover how to change the playing field, leverage your customers insights and expertise, uncover huge unmet needs, craft great customer experiences, and make innovation repeatable throughout your organization. In Predictable Magic, veteran industrial designer Ravi Sawhney and business strategist Deepa Prahalad introduce a breakthrough approach for systematically creating deep emotional connections between consumers and brands seamlessly integrating corporate strategy with design transcending the utilitarian (or even the beautiful) to build products that powerfully connect, touch, and move people... again and again! Next, in Do You Matter?, legendary industrial designer Robert Brunner (who laid the groundwork for Apples brilliant design language) and Stewart Emery help you use design to consistently create products, services, and experiences that matter to customers lives -- and thereby drive powerful, sustainable improvements in business performance. Through case studies from leaders like Nike, Apple, BMW and IKEA, they introduce design-driven techniques for managing your entire experience chain defining effective design strategies and languages managing design using (and not abusing) research extending design values into marketing and manufacturing encouraging design innovations that open entirely new markets! Then, in Disrupt: Think the Unthinkable to Spark Transformation in Your Business, frog designs Luke Williams shows how to start generating (and executing on) a steady stream of disruptive strategies and unexpected solutions. Williams combines the fluid creativity of "disruptive thinking" with the analytical rigor thats indispensable to business success. The result: a simple yet complete five-stage process for imagining a powerful market disruption, and transforming it into a reality that catches your entire industry by surprise. Finally, in the highly-anticipated Second Edition of Creating Breakthrough Products: Revealing the Secrets that Drive Global Innovation, Jonathan Cagan and Craig Vogel offer an indispensable roadmap for uncovering new opportunities, identifying what customers really value today, and building products and services that transform markets. This edition contains brand-new chapters on service design and global innovation, new insights and best practices, and new case studies ranging from Navistars latest long-haul truck to P&Gs reinvention of Herbal Essence. You know how Crucial innovation has become this 4 book package will help you infuse it throughout your entire organization!From world-renowned business innovation experts Deepa Prahalad, Ravi Sawhney, Robert Brunner, Stewart Emery, Russ Hall, Luke Williams, Jonathan Cagan, and Craig M. Vogel
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g: 1 Posted By: usernamemax20charact
Views: 145 Replies: 1 http://outlet.lenovo.com/SEUILibrary/controller/e/outlet_us/Leno...$314.72 after coupon code WEEKEND193 in stock
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Free - Tattoo Culture Magazine #1 [Kindle Edition]
Added on : Friday August 16th 2013 04:00:04 PM
g: 0 Posted By: remick
Views: 55 Replies: 0 http://www.amazon.com/Tattoo-Culture-Magazine-1-ebook/dp/B00AYOQ...Publication Date: January 17, 2013
Tattoo Culture Magazine represents the authentic voice of the tattoo industry, developed from the inside out by the true experts of the tattoo world, the tattooers! TCM is the collaborative effort of Tattoo Artist Magazine and professional tattooers from around the world for the purpose of Entertaining, Inspiring and Educating tattoo fans worldwide. What we have created together is truly distinctive in the tattoo media marketplace and, (in the opinion of our partners and artists ubiquitously), something long overdue- a serious and respectable publication for the entire tattoo culture, built by the tattoo community itself!Issue 1 features: Jeff Gogu, Mike Rubendall, Freddy Negrete, Valerie Vargas, Robert Ryan, Lucero and more...
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g: 0 Posted By: Deals4mykids
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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
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g: 0 Posted By: archena
Views: 270 Replies: 0 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase.Service Management: An Integrated Approach to Supply Chain Management and Operations (FT Press Operations Management) [Kindle Edition] was $71.99 / Paperback is $40.46Cengiz Haksever (Author), Barry Render (Author) http://www.amazon.com/dp/B00DCNNJG4Publication Date: June 11, 2013Publisher: FT PressNo Reviews#1 in Kindle Store > Kindle eBooks > Business & Investing > Management & Leadership > Production & Operations#3 in Kindle Store > Kindle eBooks > Business & Investing > Management & Leadership > Management Tie customer-driven strategies to service operations and process management, and sharpen your focus on creating customer value throughout your entire service organization! This comprehensive, multidisciplinary reference thoroughly covers today's most effective theories and methods for managing service organizations, drawing on innovative insights from economics, consumer behavior, marketing, strategy, and operations management. Leading experts Cengiz Haksever and Barry Render provide Crucial insights into emerging service operation and supply chain topics, reinforcing key points with up-to-date case studies. Service Management contains a valuable chapter-length introduction to linear and goal programming and its services applications; and also addresses many other topics ignored by competitive texts, such as: Service SCM methods and approaches
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Ethical challenges to SCMService Management will be an invaluable resource for senior and mid-level managers throughout any service organization, and for students and faculty in any graduate or upper-level undergraduate program in service management, service operations management, or operations management
About the Author
Cengiz Haksever is a Professor of Management Sciences at the College of Business Administration of Rider University. He received his B.S. and M.S. degrees in Industrial Engineering from Middle East Technical University in Ankara, Turkey, his M.B.A. from Texas A & M University in College Station, Texas, and his Ph.D. in Operations Research from the University of Texas in Austin.His research interests include service management, supply chain management, operations research, operations management, quality and continuous improvement, and data envelopment analysis. Dr. Haksevers work appeared in European Journal of Operational Research, Journal of the Operational Research Society, Computers & Operations Research, Computers & Industrial Engineering, Journal of Construction Engineering and Management, International Journal of Production Economics, Journal of Small Business Strategy, Journal of Business Ethics, Education Economics, International Journal of Production Economics, International Journal of Information and Management Sciences , and Business Horizons.He has taught courses in operations management, supply chain management, service operations management, management science, quality assurance, statistics, and regression in undergraduate and M.B.A. programs. He served as examiner and senior examiner for the New Jersey Governors Award for Performance Excellence. During the 1993-1994 academic year, he was a Fulbright Senior Lecturer at Marmara University in Istanbul, Turkey. At Rider University, he was awarded the Jessie H. Harper Professorship for the academic year of 2000-2001. Dr. Haksever served on the Editorial Advisory Board of Computers & Operations Research and was a guest editor of a special issue of the journal Data Envelopment Analysis.Barry Render is Professor Emeritus, the Charles Harwood Professor of Operations Management, Crummer Graduate School of Business, Rollins College, Winter Park, Florida. He received his B.S. in Mathematics and Physics at Roosevelt University and his M.S. in Operations Research and Ph.D. in Quantitative Analysis at the University of Cincinnati. He previously taught at George Washington University, University of New Orleans, Boston University, and George Mason University, where he held the Mason Foundation Professorship in Decision Sciences and was Chair of the Decision Sciences Department. Dr. Render has also worked in the aerospace industry for General Electric, McDonnell Douglas, and NASA.Professor Render has coauthored 10 textbooks for Prentice Hall, including Managerial Decision Modeling with Spreadsheets, Quantitative Analysis for Management, Service Management, Introduction to Management Science, and Cases and Readings in Management Science. Quantitative Analysis for Management, now in its eleventh edition, is a leading text in that discipline in the United States and globally. Dr. Renders more than 100 articles on a variety of management topics have appeared in Decision Sciences, Production and Operations Management, Interfaces, Information and Management, Journal of Management Information Systems, Socio-Economic Planning Sciences, IIE Solutions, and Operations Management Review, among others.
Dr. Render has been honored as an AACSB Fellow and was twice named a Senior Fulbright Scholar. He was Vice President of the Decision Science Institute Southeast Region and served as Software Review Editor for Decision Line for six years and as Editor of The New York Times Operations Management special issues for five years. From 1984 to 1993, Dr. Render was President of Management Service Associates of Virginia, Inc., whose technology clients included the FBI, the U.S. Navy, Fairfax County, Virginia, and C&P Telephone. He is currently Consulting Editor to Financial Times Press.Dr. Render has taught operations management courses in Rollins Colleges M.B.A. and Executive M.B.A. programs. He has received that schools Welsh Award as leading professor and was selected by Roosevelt University as the 1996 recipient of the St. Claire Drake Award for Outstanding Scholarship. In 2005, Dr. Render received the Rollins College M.B.A. Student Award for Best Overall Course and in 2009 was named Professor of the Year by full-time M.B.A. students.
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g: 0 Posted By: archena
Views: 461 Replies: 1 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase.Mercury and Social Anxiety, Why Limiting Exposure to an Industrial Pollutant Can Ease Shyness, Anxiety and Depression [Kindle Edition] was $7.99Mary Hammond (Author)http://www.amazon.com/dp/B00CKEUE0APublication Date: April 28, 2013Publisher: Freedom Fast Lane LLC1 Review - ★★★★★#1 in Kindle Store > Kindle eBooks > Nonfiction > Parenting & Relationships > Parenting > Emotions & Feelings100 years ago, when Josephine Bates of the National Civic Federation read her report on chronic mercury exposure in industry at the Second National Conference on Industrial Diseases, she was the first American to memorialize the subjective emotional complaints of workers affected by mercury poisoning. The workers suffered emotional disturbances including depression, crippling anxiety in the presence of strangers, and outbursts of anger. The only change made as a result of Mrs. Bates work was to enact regulations designed to protect the factory managers against unwanted acts of future investigation.Soon afterwards reports began to appear of acrodynia, a terrible disease which affected young children all over the world for at least 50 years. The first sign of the disease was a deep emotional disturbance, said to be akin to a suicidal melancholy in an adult. Early on, some researchers suggested that mercury in teething and soothing powders was the causative agent, but most doctors disagreed. It was not until 10 years after the industry removed mercury from child care products, and acrodynia virtually disappeared from the world, that the assertion that mercury was the causative agent became undeniable in retrospect. But it was a very quiet acknowledgement. If you ask an older person about mercury in teething powder, it is unlikely that they will recall anything about it at all.Much more attention was given to the mass food chain poisonings in Minamata and Niigata, Japan, Grassy Narrows, Canada, and rural Iraq, a series of tragedies which has led to 40 years of furious debate over the lowest amount of mercury which can be ingested before it will cause an observable adverse physical effect. But what of the proven unobservable emotional effects? The book Mercury and Social Anxiety makes the shocking point that your shyness, anxiety and depression may be due to chronic exposure to the ever increasing industrial pollutant mercury.
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Quickbooks 2013 for Mac or PC $149.99 - free delivery @ Best Buy
Added on : Sunday August 11th 2013 09:00:05 PM
g: 0 Posted By: ctgolfer
Views: 230 Replies: 0 QuickBooks 2013 for Mac or PC
.. www.bestbuy.com/site/searchpage.jsp?_&id=pcat17071&type=page&st=...QuickBooks Premier - Industry Editions 2013
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FREE Kindle Book - Mercury and Social Anxiety (Parenting) was $7.99
Added on : Sunday August 11th 2013 07:00:11 PM
g: 0 Posted By: archena
Views: 78 Replies: 0 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase.Mercury and Social Anxiety, Why Limiting Exposure to an Industrial Pollutant Can Ease Shyness, Anxiety and Depression [Kindle Edition] was $7.99Mary Hammond (Author)http://www.amazon.com/dp/B00CKEUE0APublication Date: April 28, 2013Publisher: Freedom Fast Lane LLC1 Review - ★★★★★#1 in Kindle Store > Kindle eBooks > Nonfiction > Parenting & Relationships > Parenting > Emotions & Feelings100 years ago, when Josephine Bates of the National Civic Federation read her report on chronic mercury exposure in industry at the Second National Conference on Industrial Diseases, she was the first American to memorialize the subjective emotional complaints of workers affected by mercury poisoning. The workers suffered emotional disturbances including depression, crippling anxiety in the presence of strangers, and outbursts of anger. The only change made as a result of Mrs. Bates work was to enact regulations designed to protect the factory managers against unwanted acts of future investigation.Soon afterwards reports began to appear of acrodynia, a terrible disease which affected young children all over the world for at least 50 years. The first sign of the disease was a deep emotional disturbance, said to be akin to a suicidal melancholy in an adult. Early on, some researchers suggested that mercury in teething and soothing powders was the causative agent, but most doctors disagreed. It was not until 10 years after the industry removed mercury from child care products, and acrodynia virtually disappeared from the world, that the assertion that mercury was the causative agent became undeniable in retrospect. But it was a very quiet acknowledgement. If you ask an older person about mercury in teething powder, it is unlikely that they will recall anything about it at all.Much more attention was given to the mass food chain poisonings in Minamata and Niigata, Japan, Grassy Narrows, Canada, and rural Iraq, a series of tragedies which has led to 40 years of furious debate over the lowest amount of mercury which can be ingested before it will cause an observable adverse physical effect. But what of the proven unobservable emotional effects? The book Mercury and Social Anxiety makes the shocking point that your shyness, anxiety and depression may be due to chronic exposure to the ever increasing industrial pollutant mercury.
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g: 0 Posted By: tedhawkins
Views: 55 Replies: 0 Guns - ICE Arms EXO NiB M-16 Stripped Bolt Carrier (MSRP $99.00) $67 Shippedhttp://www.gearhog.com/Deal Overview
The product is an m16 Nickel Boron Fail Zero plated carrier
M16 Bolt Carrier made with 8620 steel and coated with Fail Zero's EXO Nickel Boron finish for a slick finish that does not require lubrication and is good for 20,000 rounds.This carrier will give you thousands of rounds of continuous use without the hassle of continuous cleaning due to its natural lubricious properties.Legal Notes:
Any purchases and purchasers of this offer agree and declare that they do legally own a registered M-16 and/or a registered Short Barreled Rifle and these components are replacement parts for them. I understand that all NFA rules apply and I will abide by the rules of the BATFE. I am aware of all the legal ramifications that accompany installing these components in or on an AR-15 Lower. I hold Gearhog harmless for any legal issues that may arise due to my purchasing and utilizing these components. I certify that I will not break any federal, state, or local laws by acquiring and/or using these components in my legally registered firearms. Any and all questions, comments, or inquiries concerning legality of usage or ownership should be directed to the BATFE http://www.atf.gov/firearms/industry/
FinCEN and You. The Laws Behind Trying To Manufacture Spend.
Added on : Thursday August 08th 2013 09:00:17 PM
g: 9 Posted By: BenH
Views: 761 Replies: 9 (TL : DR - My interpretation of the federal regulations and how/why retailers implement policies relating to GC purchase. This isn't a skimmer though...if you are interested, read it all. UPDATED DISCLAIMER: This is meant to be an informational post to understand things on the back-end a bit better. Even with full understanding it is unlikely to help you net a higher spend. Individual retailers have different policies and those policies are often misunderstood or unevenly enforced. Thread title updated to clarify).After months of being told different stories by various employees of retail stores while trying to purchase GCs for credit, I was beginning to get a bit fed up. After being denied for 2x$500 cards at my one remaining "safe" WG store, I had a face-to-face with the store manager regarding their policies. This manager, a suited gentleman in his mid 40's (first time I'd seen a WG manager in a suit) spoke with me candidly for about 15-20 minutes. He informed me that he was the "community leader" for multiple WG stores in the area. He began by espousing that the $500 limit was some type of law. I challenged him on this, and he became a bit flustered. To his credit, he took the time to research with me the information he had on hand. The manager continued to claim that there were various laws that governed their policies, but conceded that the limits seemed somewhat imposed internally and he couldn't tell me precisely what laws they were subject to. I left without a complete understanding of why WG implements the policy they do, but the desire to know more. Before I discuss exactly what he told me, it is important to understand (or at least try to understand...) FinCEN. FinCEN is the Financial Crimes Enforcement Network, a division of the US Treasury department. FinCEN are the ones that instituted the BSA (Bank Secrecy Act) and the KYC (Know Your Customer) initiatives that many of us are familiar with. Their main purpose - track money exchanges to help combat terrorism and money laundering.So what does this mean to the FWF community and those manufacturing spend (churners) specifically? Well, many of our activities, while legal, can appear suspicious in certain circumstances - not unlike those of criminals.FinCEN issued a rule in July of 2011, called the "Prepaid Access Rule" to which they issued a final amendment in September 2011. The dates for compliance with all of these rules was apparently January 2012. These rules and regulations have been around for a while (over a year) and yet it doesn't seem that all organizations are aware of what it actually means or how to implement it. It seems, like in many cases with newer laws, that those subject to them are going to be as careful as possible until they are more fully understood.There is a lot of data on FinCEN's "Rule". IANAL - and wading through it is very difficult for one not familiar with how to interpret U.S.C. Laws get amended and repealed and it is difficult to know what the most up-to-date information is. I am sharing my initial research here for discussion by the community. This is not a thread about how-to-game the system. Nor is this thread meant to be waived over the heads of retailers who don't seem to know the laws themselves. This is meant to educate us on what the actual laws say and to understand how and why certain retailers may be implementing certain policies.It is hard to know where to start, but I'm going to use this July 2011 news brief from FinCEN titled "FinCEN Issues Prepaid Access Final Rule Balancing the Needs of Law Enforcement and Industry.". The brief references two issues of the Federal Register defines much of the terminology being used.Important Terminology:MSB (Money Services Business) - This is a pretty obtuse term used throughout the various documentation. This linked definition is the best, most concise I can find. Basically, if you issue cash, check, money orders, stored value (prepaid), etc in the amounts greater than $1000/day in any one category you would be considered an MSB (banks and SEC/Commodoties brokers excluded). You can search the database of all registered MSBs here. However, not all MSBs must register with FinCEN however.For example, if I search all "Providers of prepaid access" in Chicago, IL - I get only two hits:

Order Express, INC - a company that appears to do money transfer to Latin America
You Too, INC - A restaurant company - seemingly listed because they provide gift cards to their restaurants.

If I search "Sellers of prepaid access" in the same area, I get dozens of hits, most of which are Currency Exchange locations.So, why aren't all the Supermarkets and Drugstores that sell prepaid cards listed here?Well, according to the news brief above:FinCEN Brief said: Sellers are retailers of prepaid access devices. While sellers are not required to register with FinCEN (just as no MSB that operates solely as an agent for another MSB is required to register),...
Therefore while both Sellers and Providers could be considered MSBs, apparently sellers don't have to register with FinCEN. But...
FinCEN Brief said: ...they must maintain an anti-money laundering program if the prepaid access product offered is covered by the rule
What prepaid access products are covered by the rule?

Well this FAQ helps (along with the previously linked info) define them. Basically, they seem to include all prepaid access instruments with these exclusions:

Excludes government funded and pre-tax flexible spending for health and dependent care funded prepaid access programs. - Relatively self explanatory
Exempts closed loop prepaid access products sold in amounts of $2,000 or less - A closed loop product is one that can be used at a particular store (or chain) only. So, if Toys R Us issues gift cards in amounts less than $2,000 they would be exempt from the rules that govern prepaid access programs.
Exempts from the rule prepaid access products of $1,000 or less and payroll products if they cannot be used internationally, do not permit transfers among users, and cannot be reloaded from a non-depository source. - This would seemingly exclude all the reloadable GCs that we are familiar with. The key here seems to be the "non-depository source." A depository source would basically be a card that is reloaded at your bank, or directly via ACH, etc. The FAQ states: "Re-loads that are not made through a depository institution would include but are not limited to, reloads through retail store transactions (e.g., cash, check or credit card), wire transfers originating at money services businesses, or checks payable to a payee other than the provider of prepaid access." Therefore, all retail loads are not exempt because they are "non-depository." The exception here would seem to be debit card. Yes - it may actually be reasonable for a retail establishement to deny the use of cash and only accept debit because the source is instantly verifiable.

The brief continues...

FinCEN Brief said: ...and can be used without a later activation process that includes customer identification;
The above is true of most pre-paid cards you purchase. You don't need to identify yourself to use them.

...and continues...

FinCEN Brief said: ...or if a retailer sells prepaid access products (regardless of whether offered under a prepaid program) providing a portal to funds that exceed $10,000 to any person during any one day.
I'm not fully clear on this last rule. But, presumably, if I can buy a re-loadable card that will allow me to load over $10,000 on it (regardless of when I load, just that it could potentially provide access to $10,000 in funds) then they are subject to the above regulations.

So, are these retail locations (Supermarkets, Pharmacies, etc) considered "sellers" of prepaid access?

A very insightful administrative ruling, FIN-2012-R003 from FinCEN discusses the distinction further. It is defnitely worth a read. One interesting snippet:

FIN-2012-R003 said: If the Company sells a prepaid product from a defined MSB prepaid program that can be used before verification of customer identification, the Company would be a seller of prepaid access. The company also would be a seller of prepaid access if it sells any type of prepaid access, regardless of whether it is from a defined MSB prepaid access program or from another prepaid access arrangement, without having implemented policies and procedures reasonably adapted to prevent the sale of such prepaid access to funds that exceed $10,000 to any person during any one day. However, if the Companys prepaid access sales only involve products other than prepaid access products from a defined MSB prepaid program that provides access to funds prior to customer identification, and the Company has implemented policies and procedures reasonably adapted to prevent the sale of prepaid products that provide access to more than $10,000 to any person during any one day, then the Company would not be a seller of prepaid access.
The first sentence seems to clearly indicate that if you sell a prepaid product that can be used without verification you are a seller. It seems that the latter half states that if you are only selling products that require customer verification, and have policies that limit access to less than $10,000 a day you are exempt from "seller" status. For example, if I only sell a pre-paid card that requires you to register it with your name and has a maximum balance of $8,000 - then I might be excluded from being a seller.

"Sellers" and "Agents" or "Agent MSBs" are synonymous (based on my research)

It seems to break down like this:

A bank, like BankCorp, issues prepaid cards for a provider network, like InComm (Vanilla). The bank (being a bank) is not an MSB (although it has its own sets of requirements, e.g. BSA).
InComm is a marketer/distributor and while I don't actually see them listed on the MSB registration page, ITC Financial Licenses and IH Financial Licenses, Inc. are (see fine print here for relationship) are listed.
These MSBs work with retailers as their "agents" or "sellers".
Blackhawk Network/GiftCardMall.com is another example of the relationship between these MSBs and their agent retail locations.

An organization doesn't need to register if it strictly serves as an agent for another MSB. However, the parent MSB may require its agents to comply with certain policies. According to the FAQ referenced above:

FinCEN FAQ said: Sellers of prepaid access will need to develop and implement an effective AML program, report suspicious activity, and comply with recordkeeping requirements related to customer identifying information and transactional data. Sellers, as agent MSBs, will not have to register with FinCEN as MSBs.
In summary, it would seem that all of these retail locations are sellers/agents and, while they don't need to register, they still must comply with certain reporting rules and maintain a level of internal compliance. This compliance was mandatory as of March 31, 2012.So what/when does a seller need to file and how do they do it?Well previously they were done with the following two forms:104 - CTR - Currency Transaction Report - "This Currency Transaction Report (CTR) should NOT be filed for suspicious transactions involving $10,000 or less in currency"109 - SAR - Suspicious Activity Report by MSB - "provides complete protection from civil liability for all reports of suspicious transactions made to appropriate authorities" and agents who report this activity "may not notify any person involved in the transaction that the transaction has been reported." Additionally, "Any transaction conducted or attempted by, at, or through a money services business involving or aggregating funds or other assets of at least $2,000" - What is interesting to note is that there is no defined time period for the aggregate purchases and the form seems to indicate that it can span any length of time.As of April 2012 however it seems these forms are deprecated and all filing is done electronically here. It appears however that these forms are still used to collect information at P.O.S and can then be e-filed.Ok - so we are know familiar with a bunch of this terminology and some of these procedures. But, the real questions still remain:

Is it legal to buy/sell prepaid for credit?
What is the maximum amount of prepaid I can buy/sell?

#1 - I can't find anything that discusses the tender in which you use to purchase the cards (other than the non-depository exclusions listed previously).
From a terrorism/money laundering perspective, I don't think it matters to the government. Money launderers aren't looking to charge a bunch to a credit card - they already have the money, and they are looking to launder it.Therefore, I believe the policy to sell or not to sell for credit is strictly a store policy. This policy would most likely be in place to protect the store from "shrinkage" - basically theft/fraud/loss with invalid/stolen cards. It is quite possible that the prepaid provider networks that work with the store help in setting this policy. The question here is, if I buy with stolen/invalid cards, who pays? The provider network or the store? It is also possible that there are local state or city laws that set these limits with credit in an attempt to curb theft. That is a whole other topic - but at this point, I am unaware of any laws (or even concrete provider/seller policy) that restricts credit usage.#2 - Here too, there doesn't appear to be a limit, legally, as to what can be transacted. It seems that staying within certain limits only means that an entity may or may not qualify as a provider or seller for purposes of reporting and compliance. What is important is that the MSBs, and their agents, enact viable Anti Money Laundering (AML) policies, file Suspicious Activity Reports (SAR), and file Currency Transaction Reports (CTR) when applicable.I'm currently under the belief that the restrictions put in place by various retail establishments have been enacted alongside guidance of their MSBs to meet the following criteria:

A workable AML policy - This is not clearly defined by FinCEN, so I believe many err on the side of caution. They say "If we only allow $1000/day/person" that is well under any suspicious limits - so that's a good policy.
Mitigate aggregate spending in excess of $10K - An MSB or its agents would have to file a CTR if the aggregate spending by a person was over $10,000/day. If every WG allowed me to purchase $2000/day, I could easily hit up 6 of them in a matter of hours. This would mean that the MSB (through its agents) sold me $12,000 in a day. Since there is no easy way for them to track this, they can't very well file a CTR. Therefore, as part of their AML policy and to mitigate any CTR filings, they keep the limit low enough that it would be unlikely for me to reach it.

As for WG's policy? According to their internal handbook which the store manager looked at online with me. The policy is written such that even after he was looking at it for 10 minutes he couldn't 100% interpret it. At its strictest interpretation is seems they have a $500/day policy for all GC purchases. At its loosest, its $500/day in each type of card (meaning from each provider network, or parent MSB). It also doesn't matter how you pay - cash or credit - the limit is still there. Again, this is likely a very tight policy meant to limit the liability of both WG and their provider networks.I hope this was helpful to some of you in understanding the basics. I don't claim to have it all correct - but I think I have a pretty good start. This is a work in progress, and I'll try to update this once I finish looking at some more of the documentation I've found. I also encourage you all to research and contribute here. If we are lucky we have some people in the legal profession, or those that work with some of the companies involved and can give us some better insight.Here are some other references I found while researching. Some of them give pretty nice synopsis of what I discussed above, but I wasn't able to find them until I actually knew what I was looking for:FinCEN Webcast on the final rule (found this after I wrote this - *great* primer):
http://treas.yorkcast.com/webcast/Viewer/?peid=65574c79c23846088...FinCEN MSB Money Laundering Prevention Guide
http://www.fincen.gov/financial_institutions/msb/materials/en/pr...FinCEN Rulemakings:
http://www.fincen.gov/statutes_regs/bsa/regs_proposal_comment.ht...Interpretations of the Rule from various law firms:
http://www.srz.com/fincen_issues_final_rules_and_interpretive_gu...
www.baileycavalieri.com/128-Client%20Alert%20Memo.pdf
http://www.mofo.com/files/Uploads/Images/110805-FinCEN-Access-Ru...
http://www.pillsburylaw.com/siteFiles/Events/FinCEN's%20Proposed...
General Economics Deals
FinCEN and You. What you need to know for Manufactured Spending.
Added on : Thursday August 08th 2013 05:00:17 PM
g: 1 Posted By: BenH
Views: 141 Replies: 1 (TL : DR - My interpretation of the federal regulations and how/why retailers implement policies relating to GC purchase. This isn't a skimmer though...if you are interested, read it all)After months of being told different stories by various employees of retail stores while trying to purchase GCs for credit, I was beginning to get a bit fed up. After being denied for 2x$500 cards at my one remaining "safe" WG store, I had a face-to-face with the store manager regarding their policies. This manager, a suited gentleman in his mid 40's (first time I'd seen a WG manager in a suit) spoke with me candidly for about 15-20 minutes. He informed me that he was the "community leader" for multiple WG stores in the area. He began by espousing that the $500 limit was some type of law. I challenged him on this, and became a bit flustered. To his credit, he took the time to research with me the information he had on hand. The manager continued to claim that there were various laws that governed their policies, but conceded that the limits seemed somewhat imposed internally and he couldn't tell me precisely what laws they were subject to. I left without a complete understanding of why WG implements the policy they do, but the desire to know more. Before I discuss exactly what he told me, it is important to understand (or at least try to understand...) FinCEN. FinCEN is the Financial Crimes Enforcement Network, a division of the US Treasury department. FinCEN are the ones that instituted the BSA (Bank Secrecy Act) and the KYC (Know Your Customer) initiatives that many of us are familiar with. Their main purpose - track money exchanges to help combat terrorism and money laundering.So what does this mean to the FWF community and those manufacturing spend (churners) specifically? Well, many of our activities, while legal, can appear suspicious in certain circumstances - not unlike those of criminals.FinCEN issued a rule in July of 2011, called the "Prepaid Access Rule" to which they issued a final amendment in September 2011. The dates for compliance with all of these rules was apparently January 2012. These rules and regulations have been around for a while (over a year) and yet it doesn't seem that all organizations are aware of what it actually means or how to implement it. It seems, like in many cases with newer laws, that those subject to them are going to be as careful as possible until they are more fully understood.There is a lot of data on FinCEN's "Rule". IANAL - and wading through it is very difficult for one not familiar with how to interpret U.S.C. Laws get amended and repealed and it is difficult to know what the most up-to-date information is. I am sharing my initial research here for discussion by the community. This is not a thread about how-to-game the system. Nor is this thread meant to be waived over the heads of retailers who don't seem to know the laws themselves. This is meant to educate us on what the actual laws say and to understand how and why certain retailers may be implementing certain policies.It is hard to know where to start, but I'm going to use this July 2011 news brief from FinCEN titled "FinCEN Issues Prepaid Access Final Rule Balancing the Needs of Law Enforcement and Industry.". The brief references two issues of the Federal Register defines much of the terminology being used.Important Terminology:MSB (Money Services Business) - This is a pretty obtuse term used throughout the various documentation. This linked definition is the best, most concise I can find. Basically, if you issue cash, check, money orders, stored value (prepaid), etc in the amounts greater than $1000/day in any one category you would be considered an MSB (banks and SEC/Commodoties brokers excluded). You can search the database of all registered MSBs here. However, not all MSBs must register with FinCEN however.For example, if I search all "Providers of prepaid access" in Chicago, IL - I get only two hits:

Order Express, INC - a company that appears to do money transfer to Latin America
You Too, INC - A restaurant company - seemingly listed because they provide gift cards to their restaurants.

If I search "Sellers of prepaid access" in the same area, I get dozens of hits, most of which are Currency Exchange locations.So, why aren't all the Supermarkets and Drugstores that sell prepaid cards listed here?Well, according to the news brief above:FinCEN Brief said: Sellers are retailers of prepaid access devices. While sellers are not required to register with FinCEN (just as no MSB that operates solely as an agent for another MSB is required to register),...
Therefore while both Sellers and Providers could be considered MSBs, apparently sellers don't have to register with FinCEN. But...
FinCEN Brief said: ...they must maintain an anti-money laundering program if the prepaid access product offered is covered by the rule
What prepaid access products are covered by the rule?

Well this FAQ helps (along with the previously linked info) define them. Basically, they seem to include all prepaid access instruments with these exclusions:

Excludes government funded and pre-tax flexible spending for health and dependent care funded prepaid access programs. - Relatively self explanatory
Exempts closed loop prepaid access products sold in amounts of $2,000 or less - A closed loop product is one that can be used at a particular store (or chain) only. So, if Toys R Us issues gift cards in amounts less than $2,000 they would be exempt from the rules that govern prepaid access programs.
Exempts from the rule prepaid access products of $1,000 or less and payroll products if they cannot be used internationally, do not permit transfers among users, and cannot be reloaded from a non-depository source. - This would seemingly exclude all the reloadable GCs that we are familiar with. The key here seems to be the "non-depository source." A depository source would basically be a card that is reloaded at your bank, or directly via ACH, etc. The FAQ states: "Re-loads that are not made through a depository institution would include but are not limited to, reloads through retail store transactions (e.g., cash, check or credit card), wire transfers originating at money services businesses, or checks payable to a payee other than the provider of prepaid access." Therefore, all retail loads are not exempt because they are "non-depository." The exception here would seem to be debit card. Yes - it may actually be reasonable for a retail establishement to deny the use of cash and only accept debit because the source is instantly verifiable.

The brief continues...

FinCEN Brief said: ...and can be used without a later activation process that includes customer identification;
The above is true of most pre-paid cards you purchase. You don't need to identify yourself to use them.

...and continues...

FinCEN Brief said: ...or if a retailer sells prepaid access products (regardless of whether offered under a prepaid program) providing a portal to funds that exceed $10,000 to any person during any one day.
I'm not fully clear on this last rule. But, presumably, if I can buy a re-loadable card that will allow me to load over $10,000 on it (regardless of when I load, just that it could potentially provide access to $10,000 in funds) then they are subject to the above regulations.

So, are these retail locations (Supermarkets, Pharmacies, etc) considered "sellers" of prepaid access?

A very insightful administrative ruling, FIN-2012-R003 from FinCEN discusses the distinction further. It is defnitely worth a read. One interesting snippet:

FIN-2012-R003 said: If the Company sells a prepaid product from a defined MSB prepaid program that can be used before verification of customer identification, the Company would be a seller of prepaid access. The company also would be a seller of prepaid access if it sells any type of prepaid access, regardless of whether it is from a defined MSB prepaid access program or from another prepaid access arrangement, without having implemented policies and procedures reasonably adapted to prevent the sale of such prepaid access to funds that exceed $10,000 to any person during any one day. However, if the Companys prepaid access sales only involve products other than prepaid access products from a defined MSB prepaid program that provides access to funds prior to customer identification, and the Company has implemented policies and procedures reasonably adapted to prevent the sale of prepaid products that provide access to more than $10,000 to any person during any one day, then the Company would not be a seller of prepaid access.
The first sentence seems to clearly indicate that if you sell a prepaid product that can be used without verification you are a seller. It seems that the latter half states that if you are only selling products that require customer verification, and have policies that limit access to less than $10,000 a day you are exempt from "seller" status. For example, if I only sell a pre-paid card that requires you to register it with your name and has a maximum balance of $8,000 - then I might be excluded from being a seller.

"Sellers" and "Agents" or "Agent MSBs" are synonymous (based on my research)

It seems to break down like this:

A bank, like BankCorp, issues prepaid cards for a provider network, like InComm (Vanilla). The bank (being a bank) is not an MSB (although it has its own sets of requirements, e.g. BSA).
InComm is a marketer/distributor and while I don't actually see them listed on the MSB registration page, ITC Financial Licenses and IH Financial Licenses, Inc. are (see fine print here for relationship) are listed.
These MSBs work with retailers as their "agents" or "sellers".
Blackhawk Network/GiftCardMall.com is another example of the relationship between these MSBs and their agent retail locations.

An organization doesn't need to register if it strictly serves as an agent for another MSB. However, the parent MSB may require its agents to comply with certain policies. According to the FAQ referenced above:

FinCEN FAQ said: Sellers of prepaid access will need to develop and implement an effective AML program, report suspicious activity, and comply with recordkeeping requirements related to customer identifying information and transactional data. Sellers, as agent MSBs, will not have to register with FinCEN as MSBs.
In summary, it would seem that all of these retail locations are sellers/agents and, while they don't need to register, they still must comply with certain reporting rules and maintain a level of internal compliance. This compliance was mandatory as of March 31, 2012.So what/when does a seller need to file and how do they do it?Well previously they were done with the following two forms:104 - CTR - Currency Transaction Report - "This Currency Transaction Report (CTR) should NOT be filed for suspicious transactions involving $10,000 or less in currency"109 - SAR - Suspicious Activity Report by MSB - "provides complete protection from civil liability for all reports of suspicious transactions made to appropriate authorities" and agents who report this activity "may not notify any person involved in the transaction that the transaction has been reported." Additionally, "Any transaction conducted or attempted by, at, or through a money services business involving or aggregating funds or other assets of at least $2,000" - What is interesting to note is that there is no defined time period for the aggregate purchases and the form seems to indicate that it can span any length of time.As of April 2012 however it seems these forms are deprecated and all filing is done electronically here. It appears however that these forms are still used to collect information at P.O.S and can then be e-filed.Ok - so we are know familiar with a bunch of this terminology and some of these procedures. But, the real questions still remain:

Is it legal to buy/sell prepaid for credit?
What is the maximum amount of prepaid I can buy/sell?

#1 - I can't find anything that discusses the tender in which you use to purchase the cards (other than the non-depository exclusions listed previously).
From a terrorism/money laundering perspective, I don't think it matters to the government. Money launderers aren't looking to charge a bunch to a credit card - they already have the money, and they are looking to launder it.Therefore, I believe the policy to sell or not to sell for credit is strictly a store policy. This policy would most likely be in place to protect the store from "shrinkage" - basically theft/fraud/loss with invalid/stolen cards. It is quite possible that the prepaid provider networks that work with the store help in setting this policy. The question here is, if I buy with stolen/invalid cards, who pays? The provider network or the store? It is also possible that there are local state or city laws that set these limits with credit in an attempt to curb theft. That is a whole other topic - but at this point, I am unaware of any laws (or even concrete provider/seller policy) that restricts credit usage.#2 - Here too, there doesn't appear to be a limit, legally, as to what can be transacted. It seems that staying within certain limits only means that an entity may or may not qualify as a provider or seller for purposes of reporting and compliance. What is important is that the MSBs, and their agents, enact viable Anti Money Laundering (AML) policies, file Suspicious Activity Reports (SAR), and file Currency Transaction Reports (CTR) when applicable.I'm currently under the belief that the restrictions put in place by various retail establishments have been enacted alongside guidance of their MSBs to meet the following criteria:

A workable AML policy - This is not clearly defined by FinCEN, so I believe many err on the side of caution. They say "If we only allow $1000/day/person" that is well under any suspicious limits - so that's a good policy.
Mitigate aggregate spending in excess of $10K - An MSB or its agents would have to file a CTR if the aggregate spending by a person was over $10,000/day. If every WG allowed me to purchase $2000/day, I could easily hit up 6 of them in a matter of hours. This would mean that the MSB (through its agents) sold me $12,000 in a day. Since there is no easy way for them to track this, they can't very well file a CTR. Therefore, as part of their AML policy and to mitigate any CTR filings, they keep the limit low enough that it would be unlikely for me to reach it.

As for WG's policy? According to their internal handbook which the store manager looked at online with me. The policy is written such that even after he was looking at it for 10 minutes he couldn't 100% interpret it. At its strictest interpretation is seems they have a $500/day policy for all GC purchases. At its loosest, its $500/day in each type of card (meaning from each provider network, or parent MSB). It also doesn't matter how you pay - cash or credit - the limit is still there. Again, this is likely a very tight policy meant to limit the liability of both WG and their provider networks.I hope this was helpful to some of you in understanding the basics. I don't claim to have it all correct - but I think I have a pretty good start. This is a work in progress, and I'll try to update this once I finish looking at some more of the documentation I've found. I also encourage you all to research and contribute here. If we are lucky we have some people in the legal profession, or those that work with some of the companies involved and can give us some better insight.Here are some other references I found while researching. Some of them give pretty nice synopsis of what I discussed above, but I wasn't able to find them until I actually knew what I was looking for:FinCEN Webcast on the final rule (found this after I wrote this - *great* primer):
http://treas.yorkcast.com/webcast/Viewer/?peid=65574c79c23846088...FinCEN MSB Money Laundering Prevention Guide
http://www.fincen.gov/financial_institutions/msb/materials/en/pr...FinCEN Rulemakings:
http://www.fincen.gov/statutes_regs/bsa/regs_proposal_comment.ht...Interpretations of the Rule from various law firms:
http://www.srz.com/fincen_issues_final_rules_and_interpretive_gu...
www.baileycavalieri.com/128-Client%20Alert%20Memo.pdf
http://www.mofo.com/files/Uploads/Images/110805-FinCEN-Access-Ru...
http://www.pillsburylaw.com/siteFiles/Events/FinCEN's%20Proposed...
General Economics Deals
GameStop-Counter-Strike: Global Offensive for PC $5.09 (download)
Added on : Thursday August 08th 2013 04:00:04 PM
g: 0 Posted By: lovelybones
Views: 102 Replies: 0 GameStopProduct Details:Counter-Strike: Global Offensive (CS: GO) will expand upon the team-based action gameplay that it pioneered when it was launched 12 years ago. CS: GO features new maps, characters, and weapons and delivers updated versions of the classic CS content (de_dust, etc.). In addition, CS: GO will introduce new gameplay modes, matchmaking, leader boards, and more."Counter-Strike took the gaming industry by surprise when the unlikely MOD became the most played online PC action game in the world almost immediately after its release in August 1999," said Doug Lombardi at Valve. "For the past 12 years, it has continued to be one of the most-played games in the world, headline competitive gaming tournaments and selling over 25 million units worldwide across the franchise. CS: GO promises to expand on CS' award-winning gameplay and deliver it to gamers on the PC as well as the next gen consoles and the Mac."Specifications:Minimum
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Video Games Deals

GameStop Coupons
Motorola SB6141 Modem (White) at Costco B&M for $79.99
Added on : Thursday August 08th 2013 02:00:03 PM
g: 0 Posted By: srule
Views: 200 Replies: 0 My local Costco at City of Industry branch in California (SoCal) is carrying the white version of Motorola SB6141 Modem for $79.99, I know it's more expensive than the black one selling online at advancedstream.com, but this is probably the cheapest B&M deal for those who don't want to wait for shipment or the hassle with returning with online stores.
ITEM #:774054
Networking Deals
3 years of a leaky roof now I have mold in my condo?
Added on : Wednesday August 07th 2013 09:00:15 AM
g: 0 Posted By: Scotty2Hottie
Views: 41 Replies: 1 Apologies in advance if this is in the wrong area. But I'm in desperate need of some outside advice.
I have had my roof leak every season (California weather) for the last three years and this year I got fed up. After coming home to a very large puddle in my doorway.I contacted my HOA This time around in regards of getting a mold inspection done and they advised me that they would send their own inspector at no cost to me. They did so and the inspector did find what they called "Trace amounts of mold" After that they did send out two contractors for remediation bids. It's at this time where I requested copies of the inspections and remediation recommendations. I emailed them three times in regards to this and have not got ANY reply at all since.
Talking to both inspectors at the time that came and did the remediation inspection, I have gathered that drywall needs to be replaced, wood beams need to be treated and carpet and padding needs to be replaced.Fast forward two weeks ago Still no contact or reply from the HOA. But I did get a call from one of the inspectors stating they would like to start work. I then asked the gentleman what their plans were as far as taking care of the mold. They had got the approval for drywall replacement, treating the wood and carpet cleaning only.This sounds like they are trying to do everything minus the carpets. this made me a bit concerned because both inspectors advised me carpet replacement is the industry-standard and mold in the carpets is health risk aswell.I am frustrated in the fact that they would not furnish me the inspection reports Nor willing to replace the carpets as per the inspectors verbal recommendation at the time nor will they reply to my emails.I am a first-time home/condo Owner and really not familiar with what to do at this point. I'm assuming I might have to get a lawyer involved.. But I do not have much money as I am living paycheck to paycheck..Is there anything the city can do for me as far as it being a health violation? I am on the verge of just giving in to the HOA and letting them do as they want.Any advice is welcome..
Personal Finance Deals
Career Advice/Direction
Added on : Tuesday August 06th 2013 04:00:07 PM
g: 0 Posted By: thesearchable
Views: 5 Replies: 0 Hello FW, long time reader.I know a lot of consultants, hr managers, software engineers, etc post on this board, I was hoping you all could share your thoughts with me regarding my situation. ( only person in family to go to school, not many people in my network to really ask these sort of questions to.Quickly
24 Years Old (25 within the month). BS in Bus Admin from a top public school + few programming courses from another local university. Currently Employed as a a Bus. Analyst/SQA Engineer II. ( maybe the term 'Technical BA' would better fit what I do, anyway).Graduated at 21, took a job as a BA with a fortune 50 company - wasn't making anything special, just over 40k in a COL neutral area. After just under 2 years I was faced with a pay freeze/ movement freeze for up to the next 3 years, so I left. In this role I worked predominately in software process improvement. I left for a very interesting and exciting position as a BA for a hi-tech research subsidiary of a mega-corp. Been about 1.5 years, was promoted after 1 year to my current title. Currently make 70k in a COL neutral to slightly high area. Live very comfortably. 0 debt almost 100k networth. Currently I work within the software group, doing the usual requirement gathering a BA would. I am also heavily involved in the actual test automation (as low-level as writing unit tests in C# testing the actual code) and integration of the software..Unfortunately it appears that within the next 6 months our funding from our parent company will run dry.So my question for everyone isWhat direction should I take? I have 0 ties to any area and am willing to move anywhere. My entire work experience ( will be 3.5-4 years depending on when the hammer drops) has been within the process improvement software - SDLC type work.I am marginally concerned I will have trouble getting another role as a BA II when the bulk of my functional knowledge is completely in proprietary company software programs/algorithms ( comments on that?).I do believe my technical knowledge is far superior to the bulk of BA's out there ( which I do feel is a strong advantage). However, I do not think it would be strong enough to go to a straight development role, nor is that something I feel I really want to do.My main passion is Finance, I would love to work in high finance- with 0 finance experience and no connections is this unrealistic? Thinking something along the same lines SDLC within a hedgefund or Large Bank, Ideas?I have considered getting my MBA, however the idea of going back to school doesn't really excite me - id do it part time and most of the even better part time mba programs, grads are only looking at 80k salaries coming out. Since I have kind of swung and missed on building a career within one company in my first two jobs, I really would like to try and pick an industry with readily transferable skills going forward. Thinking along those lines I can think of something like software work in the healthcare or finance industry. Best Skills : BA work ( documentation, use cases, etc) Technical Skills, Great SQL, decent C#, decent VBA. I am very proud of where I have come from (basically complete poverty growing up) to doing very well at the age of 24. I am just at a bit of a loss as to where I should try and take my career. I know there are a ton of very successful people on this board and Id love to hear everyone's opinions on a possible direction.
Thanks
Personal Finance Deals
BIKELOOT - 3 months for $29.85 or 1 month for $7.95
Added on : Tuesday August 06th 2013 02:00:03 PM
g: 0 Posted By: wd
Views: 278 Replies: 2 I'm not sure if I have warmed up to this sales model, but I might try for 1 month. Here are the details:You can either sign up for their monthly subscription for $10 + $3.95/month s&h or sign up for 3 months for $8 + $3.95 s&h/month.Save $6 with the coupon code of SUMMERLOOT. This brings your cost down to $7.95 for the first month if you sign up for the monthly subscription or $29.85 if you sign up for three months.Here is the link.BikeLoot Box is a monthly box subscription that has your cycling lifestyle covered. With BikeLoot you will try five to seven of the top cycling industry product samples, like gels, bars, hydration, and maintenance, and we send it straight to your door, every month for as low as $8/month.Here are a couple of reviews of what they send you:July BIKELOOT review
Another July review
A June reviewFor $7.95, I might try it for a month and see what I think. Be aware that you have to cancel to stop getting the monthly shipments.
Sports & Outdoors Deals
Intel Core i3-3220 Processor - $124.99
Added on : Saturday August 03rd 2013 09:00:07 AM
There's nothing like the Intel Core i3-3220 Processor to meet the industry's need for powerful performance.
g: 0 Posted By: lovelybones
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Newegg Coupons
Court sides with retailers, goes against Fed rule on debit card fees
Added on : Wednesday July 31st 2013 06:00:18 PM
g: 1 Posted By: fattywallace
Views: 140 Replies: 0 A U.S. district court on Wednesday overturned a Federal Reserve rule capping the debit card fees that banks collect from merchants.The judge ruled that the Federal Reserve improperly set the caps too high after an extensive lobbying campaign by the banking industry. Under the rule, banks can charge retailers as much as 21 cents a transaction.http://www.washingtonpost.com/business/economy/court-sides-with-...
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g: 0 Posted By: remick
Views: 234 Replies: 0 http://www.anixter.com/north-america/us/en/resources/technical-r...The Anixter Wire and Cable Technical Information Handbook is an easily accessible collection of engineering and technical information about electrical and electronic cable and their related products. Primarily intended for individuals who design, specify or troubleshoot wire and cable systems, the Anixter Wire and Cable Technical Information Handbook contains information about topics such as:
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g: 2 Posted By: remick
Views: 165 Replies: 0 http://www.amazon.com/dp/B00COGYQRQ/ont know where to start with social media and online marketing in your business? Start here, with this easy-to-understand, easy-to-use, low-cost book collection! Jon Reeds Get Up to Speed with Online Marketing helps you get started fast, find markets online, and effectively promote your business on a very limited budget. It covers websites, search engine marketing, email marketing, blogging, podcasts, online video, social networks, virtual worlds, social bookmarking, and more! Lauren Dugans Ultimate LinkedIn Checklist For Small and Medium Businesses shows how to use LinkedIn to leverage your entire network of partners, suppliers, employees, vendors, and competitors. Step-by-step instructions and easy checklists help you deepen the network links you already have and tap into your networks networks, uncovering talent, partnerships, vendors and customers youll never find any other way! Next, Jamie Turners How to Build a Mobile Website shows how to create mobile websites that are clean, simple, load quickly, and are optimized for mobile users. Discover how your customers want to interact with your brand on mobile devices, compare leading approaches to mobilizing websites, and avoid pitfalls that lose customers. Turner even offers a high-level overview of the mechanics of mobile site development, construction, and testing, addressing issues ranging from branding to performance and usability. Twitter 101 tells you all you need to know about Twitter marketing, even if youve never used Twitter before. Drawing on personal experience and up-to-the-minute industry research, Lauren Dugan covers strategy, tactics, tools, and more. Learn to time tweets for maximum impact, follow the right accounts, attract the right followers, do competitive research, network faster, turbocharge brands, engage users, and build word-of-mouth that generates real sales! Jamie Turners How to Use Social Media Monitoring Tools offers a fast-paced primer on social media monitoring and realistic, low-cost methods for getting started. Discover whether your social media presence is achieving results align measurement with business objectives measure branding and direct response quickly capture emerging performance trends; and more. Turner briefly introduces tools from Google and many others, and offers a practical 8-step monitoring plan that even beginners can use. Next Melanie Mitchell brings together complete processes, knowledge, and tools that Unleash the Power of Paid Search . Discover how well-crafted paid search campaigns can help you lead the conversation in your marketplace, extend and deepen your coverage, and more precisely target and measure your marketing program. Next, walk through building and executing a winning campaign: defining goals/objectives, selecting keywords and match types, structuring accounts, scoring quality, managing copy, optimizing landing pages, reporting, and more. Finally, in Understanding SEO, Mitchell draws on immense in-the-trenches experience to completely demystify modern search engine optimization. Learn to grab value from low hanging fruit, and start optimizing everything from pages, text, and keywords to images and HTML code. Mitchell explains all the concepts and terms you need to understand, so you can do it yourself, or work successfully with SEO specialists. If you want to get started with social media in your business, this collection is the most valuable, cost-effective resource you can find!
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g: 1 Posted By: archena
Views: 213 Replies: 0 Options Made Easy: Your Guide to Profitable Trading (3rd Edition) [Kindle Edition] was $39.99Guy Cohen (Author) http://www.amazon.com/dp/B00CH0R478Publication Date: April 22, 2013Publisher: FT Press5 Reviews - ★★★★
Master option trading, visually, hands-on -- and discover the powerful, easy-to-use OVI indicator that leads the market, revealing what the world's savviest option traders are doing right now! Learn option trading from the newest edition of Guy Cohen's international best-seller Options Made Easy, which has earned a worldwide reputation for its simplicity, clarity and hands-on practicality. With outstanding graphics for step-by-step learning, this easy tutorial packed with real trades is designed to reinforce every new trader's learning experience.Using plain English and clear illustrations to explain each key trading strategy, Cohen avoids complex math while effortlessly delivering the practical knowledge traders need. Now, in this eagerly-anticipated Third Edition, Cohen updates all examples and data, utilizing the market's new option symbols throughout, and presenting a more streamlined, focused, and up-to-date review of relevant chart patterns and technical analyses. Most important, he thoroughly introduces his breakthrough OVI indicator, revealing how it captures the implications of actual option transaction data, and presents signals even beginners can use to earn consistent profits. Step by step, Cohen walks traders through:● Filtering for stocks and selecting the right strategy for each situation
● Implementing proven strategies for income, including covered calls and bull put spreads
● Trading volatility through straddles and strangles
● Using butterflies and condors to trade rangebound markets
● Understanding trading psychology and its impact on option trades
● And much moreAbout the Author
An innovator in financial trading, Guy Cohen is the creator and originator of the unique OVI Indicator, FlagTrader, and OptionEasy. He is the author of bestselling trading books Options Made Easy, The Bible of Options Strategies, and Volatile Markets Made Easy (FT Prentice Hall). Guys new book, The Insider Edge (Wiley), was released in September 2012 and is focused on his OVI Indicator. His published work is complemented by pioneering breakthroughs in the areas of trading and technical indicators, specifically the OVI.Guy specializes in trading stock and options, with his hallmark being his user-friendly approach and liberal use of illustrations. With Guy, you will find proven techniques to succeed, complemented by industry-leading customer service.An established and entertaining speaker, Guy has an MBA (finance) from City University (Cass) Business School, London.Guy is also the author of Your Gut Feeling, which is a self-help autobiography that outlines his complete recovery from a severe case of ulcerative colitis.For more information about Guys trading products, go to http://www.ovitradersclub.com.
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g: 0 Posted By: CinderellaMan
Views: 49 Replies: 2 So I start medical school in a few weeks. Its going to be 4 years and its going to be intense in terms of time, effort, commitment.Went to undergrad and then graduate school and graduated with a Masters degree in 2006.Laid off from industry I was employed in in 2010.After brutal analysis, decided to switch professions and pursue medical school, so I had to go back to undergrad and basically redo 3 years of it in the sciences. Its been brutal but I got in.Now, just getting in was difficult enough. I need to start out on the right foot of course. Student loan trouble is going to drain me of time/ effort/ brain space I do not have to waste.At this point I have ~80k in gov student loans and ~22k in private loans. The ~22k in private loans is all from earning my Masters back in 2006.Discover Loans bought out Citibank recently. They are the ones I owe 22k. Got off the phone with them yesterday and they say they can no longer defer the loans and payments are due starting now. I am already robbing Peter to Pay Paul to get through med school (~300K in tutition and fees and living expenses these days). Ideas for dealing with this moving forward?Also, will the gov keep my loans in deferment for the next four years while I am in medical school full time?
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Consumer Electronics Expo 2014 (CES) - Free Admission ($100+ value)
Added on : Wednesday July 24th 2013 07:00:05 PM
g: 0 Posted By: mik3ster
Views: 115 Replies: 0 Over four days, beginning Tuesday, January 7, 2014, those who shape the future will gather in Las Vegas for the 2014 International CES. The future of technology is born here and theres no better time to witness history. Register now using priority code U1. 2014 CES Registration is Now Open! Registration for the 2014 International CES is officially open! Register today to receive free registration before a $100 fee goes into effect on September 1.LinkYou will need to submit proof that you work or are affiliated with the tech field as your profession somehow:
I have always gotten free passes in the past without submitting proof of this however, they do ask that you submit this and may not grant you your pass if you do not.As part of the International CES registration process, we check all attendee's affiliation within the consumer electronics industry. In order to confirm your registration, we currently require additional information from you regarding your participation in the industry. To verify your affiliation, please provide a brief explanation of your business purpose for attending the International CES and present one of the following items: Business card with your company name, your name and title. Letter of Introduction on company letterhead indicating you are representing said company at the International CES Copy of a company pay stub, or Copy of the companys Insurance card. Once uploaded, CES will review and confirm your registration based on the information provided here. *You may proceed in the registration process without providing proof of affiliation at this time. However, CEA will not be able to confirm your registration until this information is provided.This is a huge event where companies showcase their technology of the year. It is where many great products have been announced at and/or a former platform for big companies to announce their lineup.Enjoy.
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g: 0 Posted By: lovelybones
Views: 98 Replies: 0 Link
Not the best price I've seen. But sill not bad.
Product Details:Dishonored is an immersive first-person action game that casts you as a supernatural assassin driven by revenge. Creatively eliminate your targets with the flexible combat system as you combine the numerous supernatural abilities, weapons and unusual gadgets at your disposal. Pursue your enemies under the cover of darkness or ruthlessly attack them head on with weapons drawn. Regardless of your actions, the outcome of each mission plays out based on the choices you make. Dishonored is set in Dunwall, an industrial whaling city where strange technology and otherworldly mysticism coexist in the shadows. You are the once-trusted bodyguard of the beloved Empress. Framed for her murder, you become an infamous assassin, known only by the disturbing mask that has become your calling card. In a time of uncertainty, when the city is being besieged by plague and ruled by an oppressive government armed with neo-industrial technologies, dark forces conspire to bestow upon you abilities beyond those of any common man - but at what cost? The truth behind your betrayal is as murky as the waters surrounding the city, and the life you once had is gone forever. Improvise and Innovate - Approach each assassination with your own style of play. Use shadow and sound to your advantage to make your way silently through levels unseen by foes, or attack enemies head-on as they respond to your aggressiveness. The flexible combat system allows you to creatively combine your abilities, supernatural powers and gadgets as you make your way through the levels and dispatch your targets. Improvise and innovate to define your play style.
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A City Unlike Any Other - Enter an original world envisioned by Half-Life 2 art director Viktor Antonov. Arkane and Bethesda bring you a world where industry and mysticism collide, creating an atmosphere thick with intrigue. The world is yours to discover.
g: -1 Posted By: archena
Views: 76 Replies: 0 PX This - The Revised Edition (Diary of the "Maitre d' to the Stars") [Kindle Edition] was $8.00Abbe Diaz (Photographer)http://www.amazon.com/dp/B00452VG34Publication Date: September 29, 20106 Reviews ★★★★★#6 in Kindle Store > Kindle eBooks > Humor & Entertainment > HumorPX This. (Diary of the Matre d to the Stars), by Abbe Diaz, is the witty, irreverent (star-studded) four-year diary of a struggling artist/fashion-designer moonlighting as a matre d at some of Manhattans most renowned restaurants. It is a humorous, poignant, and uniquely insightful romp through the nightly playgrounds of some of New Yorks (and Hollywoods) most glamorous and elite, as viewed from the front podium.
Youll laugh! Youll cry! Its the bible of the [NYC fine-dining Food and Beverage] industry.About the Author
Abbe Diaz is a freelance commercial-artist, designer/dressmaker, and restaurant consultant. She has worked in the restaurant/bar industry for nearly 25 years, with numerous stints throughout the New York dining/party scene that include: Limelight, Palladium, Tunnel, Club USA, Coffee Shop, Spy, Cafe Tabac, The Strand (Miami Beach), Mercer Kitchen, Ilo, Lotus, and Theo. She served as the opening maitre d' for The Park, Smith, and 66.She is proud to have had the opportunity to work under such nightlife arbiters as: Jean-Georges Vongerichten, Brian McNally, Jonathan Morr, Peter Gatien, Eric Goode, and Sean Macpherson.Diaz gained a B.A. in Economics from Rutgers College, Rutgers University - New Brunswick. She was further educated as a non-matriculate Design student at the Fashion Institute of Technology, in NYC, where she currently resides.
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Terabyte Tuesday 1.1 TB Usenet for $38
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Hi everyone,NewsgroupDirect's Terabyte Tuesday sale is back again. 1.1 TB of usenet for $38. Great price for usenet block. If you're a heavy user then you might want to look into the unlimited usenet deal going on now from Newsdemon.Here's the link: http://newsgroupdirect.com/terabyte-tuesdayHere's the email I got:July's Terabyte Tuesday is finally here! Today only we are offering our legendary 1 TB usenet blocks for only $38!It's the best deal in usenet. We usually price our 1 TB blocks at $100, so this is a fantastic savings. Our block accounts have access to all of NewsgroupDirect's best features, including over 1,795 days of retention, 50 connections, and industry leading completion. Plus, each purchase gets our 10% header bonus, for a total of 1.1 TB of usenet access. Usenet blocks never expire. For more details read the announcement on our blog.To purchase a 1 TB block just login to your NewsgroupDirect account and click the Add Block button. Act quickly, this special rate is available today only!If you don't already have a NewsgroupDirect account you can visit the Terabyte Tuesday page to get started.
Option Strategies for Earnings Announcements: A Comprehensive, Empirical Analysis [Kindle Edition] was $49.99Ping Zhou (Author), John Shon (Author)http://www.amazon.com/dp/B009R6O392Publication Date: October 15, 2012Publisher: FT Press10 Reviews ★★★★By trading on corporate earnings, investors can reliably profit in both up and down markets, while avoiding market risk for nearly the entire quarter. In this book, two leading traders and portfolio managers present specific, actionable techniques anyone can use to capture these sizable profits. Ping Zhou and John Shon have performed an unprecedented empirical analysis of thousands of stocks, reviewing tens of millions of data points associated with option prices, earnings announcement returns, and fundamentals. Their massive analysis has identified consistent opportunities associated with focusing on the magnitude of the markets reaction to earnings, not its direction. Option Trading Set-Ups for Corporate Earnings News offers concrete guidance for improving the likelihood of making correct forecasts, and managing the risks of incorrect forecasts. It introduces several ways to exploit option trading opportunities around earnings news, discuss Crucial issues that most retail investors havent considered, and explore aspects of earnings-related option trading that have never been empirically examined and documented before. For example, they identify hidden patterns and potential opportunities based on valuation, industry, volatility, analyst forecasts, seasonality, and trades that immediately follow earnings announcements. Simply put, trading on earnings reports offers immense profit opportunities, if you know how. This book provides incontrovertible facts and detailed strategies, not just theories and anecdotes!Option trading on earnings reports offers immense profit opportunities, if you know how. For the first time ever, theres a comprehensive, evidence-based guide to profiting from these trades. This guide reflects analysis of the full universe of all equity options contracts traded over 14 years: objective, empirical results based on millions of observations. The authors distill this unique data set into knowledge you can immediately apply to identify trades with high profit potential and low market risk.Zhou and Shon demonstrate the impact of changes to holding periods, strike prices, expiration months, and other factors. Next, they walk through diverse approaches based on options trades made before, during, and after earnings announcements. Finally, they explore ways to improve profitability by identifying characteristics of securities most likely to support profitable earnings-related trades--even drilling down to specific industries and the impact of analysts forecasts.By trading on corporate earnings, investors can potentially profit in both up and down markets. Moreover, such strategies avoid taking market risk during non-event periods. Now, two leading traders and portfolio managers present detailed, specific, actionable techniques any moderately experienced investor can use to capture these sizable profits.Ping Zhou and John Shon have performed an unprecedented empirical analysis of thousands of companies, reviewing tens of millions of data points associated with option prices, earnings announcement returns, and fundamentals. They have identified consistent opportunities associated with focusing on the magnitude of the markets reaction to earnings, not necessarily its direction. Drawing on this extraordinary body of work, they offer concrete guidance for improving the likelihood of making correct forecasts and managing the risks of incorrect forecasts. Their analysis is based on solid, empirical evidence rather than selective anecdotes, which lends higher credibility to their recommendations. Their quantitative work also helps investors better quantify and manage risks. Option Strategies for Earnings Announcements introduces valuable new ways to exploit option trading opportunities around earnings news, illuminates Crucial issues most investors have never considered, and explores aspects of earnings-related option trading that have never been empirically examined before. Whether youre an options investor seeking profitable market-neutral strategies or an equity investor who wants to hedge earnings-related risk, it provides the end-of-quarter advantage youve been searching for.This is a remarkable book that I would recommend to any active investor who wants to explore event-driven strategies and go beyond simple buy-and-hold. Ping Zhou and John Shon provide some very detailed analysis on trading earnings news with options. They expertly cover directional and volatility trades and trades around earnings announcements, discuss the security selection process, and document the backtest results of their strategies.
--Minh Trinh, Managing Partner, Referee Advisors LLCThe authors have provided a remarkable analysis of how the timing of earnings announcements affects option value. This clarifies the true meaning of volatility, and the exhaustive research that backs up the authors conclusions leaves no doubt about the effects of earnings timing. Whether you prefer long or short positions, in, at, or out of the money, or volatility plays, you cannot ignore the importance of this work. I recommend this book to all serious options traders.
--Michael C. Thomsett, author, Options Trading for the Conservative Investor, second edition, and The Options Trading Body of Knowledge Detailed strategies supported by comprehensive analysis of the actual data: not cherry-picked anecdotes or guesswork
For option investors seeking market-neutral strategies and stock investors who want to hedge earnings risksOption trading on earnings reports offers immense profit opportunities, if you know how. For the first time ever, theres a comprehensive, evidence-based guide to profiting from these trades. This guide reflects analysis of the full universe of all equity options contracts traded over 14 years: objective, empirical results based on millions of observations. The authors distill this unique data set into knowledge you can immediately apply to identify trades with high profit potential and low market risk.Zhou and Shon demonstrate the impact of changes to holding periods, strike prices, expiration months, and other factors. Next, they walk through diverse approaches based on options trades made before, during, and after earnings announcements. Finally, they explore ways to improve profitability by identifying characteristics of securities most likely to support profitable earnings-related trades--even drilling down to specific industries and the impact of analysts forecasts.By trading on corporate earnings, investors can potentially profit in both up and down markets. Moreover, such strategies avoid taking market risk during non-event periods. Now, two leading traders and portfolio managers present detailed, specific, actionable techniques any moderately experienced investor can use to capture these sizable profits.Ping Zhou and John Shon have performed an unprecedented empirical analysis of thousands of companies, reviewing tens of millions of data points associated with option prices, earnings announcement returns, and fundamentals. They have identified consistent opportunities associated with focusing on the magnitude of the markets reaction to earnings, not necessarily its direction. Drawing on this extraordinary body of work, they offer concrete guidance for improving the likelihood of making correct forecasts and managing the risks of incorrect forecasts. Their analysis is based on solid, empirical evidence rather than selective anecdotes, which lends higher credibility to their recommendations. Their quantitative work also helps investors better quantify and manage risks. Option Strategies for Earnings Announcements introduces valuable new ways to exploit option trading opportunities around earnings news, illuminates Crucial issues most investors have never considered, and explores aspects of earnings-related option trading that have never been empirically examined before. Whether youre an options investor seeking profitable market-neutral strategies or an equity investor who wants to hedge earnings-related risk, it provides the end-of-quarter advantage youve been searching for.Let the data surprise you--and follow where it leads
Profit from historical evidence you (and the rest of the market) didnt expectLet the data surprise you--and follow where it leads
Profit from historical evidence you (and the rest of the market) didnt expectMaster volatility-based earnings trades
Trade on the magnitude of earnings-based moves, not their directionRide post-earnings-announcement drift to greater profits
Outperform by combining the right securities with the right strategiesUse advanced analysis to significantly improve your odds
Exploit implied volatility, market cap, valuation, industry effects, and historical earnings announcement returns to improve the probabilities of profitable trades
About the AuthorPing Zhou, Portfolio Manager and Senior Vice President at Neuberger Berman, specializes in portfolio theory, market anomalies, investor behavior, corporate finance, and risk management. Formerly Accounting Professor at City University of New York-Baruch College, he publishes extensively in leading academic and practitioner journals on equity investing. He holds a Ph.D. in Accounting from Georgia State Universitys Robinson College of Business.John Shon, Prof. of Accounting at Fordhams Gabelli School of Business and Graduate School of Business Administration, has earned several grants and awards for his equity markets research and has published extensively in academic journals. He holds a Ph.D. in Accounting and an MBA from the University of Chicagos Booth School of Business.
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Need Help: W2 vs W2 Contract Employee vs 1099 Contractor
Added on : Sunday July 14th 2013 03:00:09 PM
Long time lurker here looking for some advice. I'd rather not say the name of my former employer but it's well known in the health care IT community as a company that burns out employees quickly. I wound up leaving just north of two years in, which is actually very common for this company. My one-year non-compete agreement ends in 6 weeks and I'm able to enter consulting. This is a very striving marketplace and people with my skill set and certifications are in high demand. I should easily be able to pull in $100k on the low end which is nice for a 27 year old. I also have a few years of healthcare management experience and a healthcare related degree, which is rare for someone in my position. Most employees hired by my former employee have non-industry degrees such as art-history and other silly unrelated things. Then the clients get pissed that these employees don't know how a hospital runs. Surprise, surprise.That's all spilled milk and now I'll be able to take my few years of healthcare management experience, related degree, and two years of health IT experience and go into consulting. All of my friends who left and went into consulting got 10 phone calls within the first day of posting a resume. Apparently my former employer is a top keyword search for headhunters.The problem is that most of these consulting opportunities are W2-based. For the average dumbass former employee of my last company (who is in their mid-20s and doesn't know any better), a W2 job at $110k/year plus "amazing benefits" like $30/month gym membership stipend and top-of-the-line health insurance seems great. And for the average dumbass 24 year old, it would be.Obviously if I am 1099, I have to pay my half of SE-Tax that a W2 employer would otherwise pay. However, it's my understanding 1099 positions pay at least that much more to compensate.But I'm 27, have some financial savvy, and know that making $150k as a 1099, contributing the max plus 25% of net income as employer-contribution of an individual 401k, paying for my own HDHP, maxing out an HSA, writing off a second maxed-out phone as "business" while I maintain a prepaid per-minute plan as my personal phone for IRS auditing purposes, and other interesting tricks is significantly superior.To make matters worse, it seems like another large chunk of consulting jobs are W2-Contractor roles, which from my understanding means that I have the worst of both worlds. I can't collect unemployment between gigs and I can't contribute to an Individual 401k.Finally, I'm of the impression that as a W2 based employee, I become salary exempt and when the client needs me to work more than 40 hours a week, I'm screwed - no extra money but my company can bill the client for my extra hours and keep the money themselves. I'd really like as a 1099 if the customer sends me home at the 40 hour mark because I run a few small side businesses that I've stared over the last 11 months of my non-compete period. I can keep them going over 10 to 20 hours per week, so if I keep my consulting gig to 40, then it won't be an issue since I was used to working 80 hours per week at my last employer.I've only just begin my search so I'm sure there's at least a handful of 1099 gigs out there, but so far the first 10 places I found were W2 based. A few places I emailed said they'd consider using me as a 1099, but since I've never worked as one before, I feel like I might get screwed, especially if it's a company that normally doesn't 1099 people. The problem is best defined as: "I don't know what I don't know."I'm hoping the smart minds here can help me figure out what to do. A few issues I have that I don't know the answers to are:a) 1099 vs W2 vs W2 contractor - general thoughts?b) As a 1099, can I require the client to pay me extra for overtime? I know with W2 (non-exempt) work, it's a federal law to pay 1.5x hourly pay >40 hours. With 1099 IC work, I imagine it's not a law, but I can require it in my contract. Along those lines can I hit a second time frame like >60 or >80 hours = 2x pay? With the kind of work I do, it might be a project that the client will want me to work 40 hours per week for a 12 month period and then have me work 90 hours per week for the last 3 or 4 weeks of the project as it finalizes.c) How do travel reimbursements usually work for 1099s? I'm certain with a W2, the company takes care of everything. With a 1099, do I usually have to bill the client directly, or does my "consulting/staffing" company handle that as part of their cut?d) Does the kind of job I'm describing usually involve a non-compete? I'm pretty sure the correct term for the kind of company I'm looking to work for is a "staffing company". It's not a Consulting Firm like the big 4 (e.g. Deloitte) that W2s you, overworks you, bills the client hourly, and sends you different clients every week. With my kind of work, it will be one hospital that wants to hire me on a 6 month contract term (that may be extended at their discretion) to do a certain project role, and this hospital client will want to do a brief interview with me to ensure I'm a good fit. I imagine this interview is less intensive than a regular hiring interview because the hospital is assuming the staffing agency performed full due diligence on me.e) What other questions and considerations should I be making that I might have forgotten?Thanks so much for any help.
staybridge Hotels $50 rebate offer
Added on : Sunday July 14th 2013 07:00:11 AM
Texthttp://www.ihg.comGET $50 BACK*
SPENDING THE NIGHT
FORGETTING ABOUT WORK  Getting your $50 Vacation Pay Prepaid MasterCard is easy.* Heres how:
   
The fun doesn't have to stop when your trip ends. Stay for two consecutive weekend nights (Friday, Saturday or Sunday) and well give you a $50 Vacation Pay Prepaid MasterCard (up to $200) when you pay for your stay with a MasterCard card.
 Participating hotels include: InterContinental Hotels & Resorts, InterContinental Alliance Resorts, Crowne Plaza Hotels & Resorts, Hotel Indigo , Holiday Inn, Holiday Inn Express, Holiday Inn Resort, Holiday Inn Club Vacations, Staybridge Suites, and Candlewood Suites.Register for the promotion
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Registration for promotion is required in advance of stay. A MasterCard card must be used to pay for the qualified stay. Registration can be completed at www.ihg.com/vacationpay. Valid email address is required for registration. Must register on or after May 14, 2013 through September 1, 2013 and stay between May 31, 2013 September 1, 2013. Registration must take place prior to the booking the stay. IHG brands are InterContinental, Crowne Plaza, Hotel Indigo, Holiday Inn, Holiday Inn Express, Holiday Inn Club Vacations, Holiday Inn Resorts, Staybridge Suites and Candlewood Suites. Open to residents of the 50 United States and the District of Columbia and Canada who have attained the age of majority in the jurisdiction of their residence. A stay is defined as two consecutive weekend nights (Friday, Saturday, Sunday) at the same hotel, regardless of frequency of check-in/out. A stay is qualified when paying qualifying rates, which include most business and leisure rates. Qualifying Room Rates do not include the following reduced room rates: net wholesale individual and group rate, certain package rates, employee discount rate, friends and family rate, crew rate, special discounted contract rates, seasonal worker/crew rate, 50% travel club discount rate, travel industry discount rate, distressed passenger rate, IHG Rewards Club Nights/Airline Hotel Reward rate, Best Price Guarantee Free Reward rate, complimentary hotel stays and any other rates not defined as a Qualifying Room Rate. Also excluded are opaque rates and name your own price rates (where hotel name, location and/or rate not visible until after booking is submitted). Guests of an InterContinental Alliance Resort (The Venetian or The Palazzo) must book their qualifying reservation through IHG channels (brand websites, call centers, and GDS) to become eligible, and such guests who book in any other way, including directly with The Venetian or The Palazzo or any other hotel, will be ineligible.

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One $50 rebate ($50 Vacation Pay Prepaid MasterCard) will be awarded on a qualifying minimum two-night weekend stay booked on or after May 31, 2013 at participating InterContinental, Crowne Plaza, Hotel Indigo, Holiday Inn, Holiday Inn Express, Holiday Inn Club Vacations, Holiday Inn Resorts, Staybridge Suites and Candlewood Suites hotels for U.S. and Canada resident stays worldwide between May 31, 2013 September 1, 2013. Guest must use their MasterCard card to pay for the stay. Up to four (4) qualified rebates awarded per household for stays during the promotional period. Limit one (1) rebate per qualifying registration confirmation per weekend period.

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1) Copy of your Registration Confirmation, 2) Hotel folio with reservation number (bill) Rebate redemption must be postmarked no later than October 3, 2013. Any rebate redemption postmarked after October 3, 2013 will not be honored. If you misplace your registration confirmation, visit Vacationpayregistration.com and click on Already Registered button to print another copy.
The Vacation Pay Prepaid MasterCard has no cash value and is not redeemable for cash or usable at any ATM. Terms and Conditions apply to the prepaid card and will be received with the prepaid card. Subject to applicable law, the prepaid card will expire six months after the card is issued.
In Canada, card is issued by Peoples Trust Company and in the U.S., card is issued by MetaBank, Member FDIC, pursuant to license by MasterCard International. MasterCard and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated. The prepaid card is given to you as a reward for which no consideration has been provided by you in exchange for the card. Card issued in the name of entrant and is not transferable; card cannot be issued to minors. Card does not have cash access and can be used wherever (Debit) MasterCard is accepted. Card valid for up to 6 months. fees may apply, see the terms that accompany your card for details regarding funds after card expiration. Card terms, conditions, and limitations apply; see http://www.cardbalancesite.com/Terms-And-Conditions/NON-REL-MC-P... in Canada, or myprepaidcenter.com/site/mastercard-promo in the U.S. for details.
InterContinental Hotels Group (IHG) reserves the right to substitute a check of equal value in lieu of a prepaid MasterCard card at its discretion. MasterCard is not the sponsor of nor shall have liability for this promotion. All rights reserved.
Offer valid only on purchase of hotel room nights at IHG brand hotels as stated above. Your rebate rights cannot be transferred. Keep copies of all materials submitted: originals will not be returned. Warning: Fraudulent submission could result in federal prosecution under mail fraud statutes (Title 18, USC Sections 1341 & 1342). Your reward will be mailed within 68 weeks after receipt of registration confirmation and folio. If you have not received your reward within 10 weeks, visit www.vacationpayrebate.com or call 877-837-3919 .
Reward will be returned to the name and address designated on the required registration confirmation U.S. addresses only will be fulfilled in U.S. dollars via a prepaid MasterCard card for US residents. Prepaid MasterCard cards mailed to Canadian residents will be in the amount of $50 in Canadian dollars. Claims postmarked after applicable dates, incomplete or illegible submissions, counterfeit copies of registration confirmation or receipts, and duplicate submissions will be rejected. IHG is not responsible for loss of registration confirmation, hotel folio or rewards due to lost or misdirected mail or for illegible entries. Good for actual purchases by end users only; excludes resellers and distributors of products and their families. Limit one reward per person, receipt, household, family or address per qualifying weekday stay. Maximum four (4) rewards per household during the promotion. IHG reserves the right to request additional information regarding this claim. IHG reserves the right to terminate promotion at any time.
Employees and their family members of any IHG company or any IHG branded hotel, Engauge, Innovar, InteliSpend or Mindshare are not eligible to participate in this promotion. Offer void where prohibited, taxed, or restricted by law. Promotion sponsor is Six Continents Hotels, Inc. For full rebate details, and to download rebate form, go to www.ihg.com/vacationpay
2013 InterContinental Hotels Group. All rights reserved. Most hotels are independently owned and/or operated.
13% off! Except products manufactured by...Promotion Exclusions

The following manufacturers have chosen not to participate in this promotion: 3rd Power Amps, 65amps, A Designs, ADAM Audio, Aguilar, Akai Professional, AKG, Alesis, Allen & Heath, Alto, Altus, Alvarez, American Audio, American DJ, Ampeg, Antelope Audio, Antoine Courtois Paris, Aphex, Apogee, Apple, Armstrong, ART, Arturia, Audio-Technica, Audix, Auralex, Avalon, Avanti, Avid, Axl, Azumi, B&S, B3 Guitars, Bach, Bad Cat, BAM, BeatKangz, Beats By Dre, Bedell, Behringer, Belkin, Benchmark, Benchmark Media Systems, Benedetto Guitars, Besson, Bixonic, Black Cat, Blackheart, Blackstar, Blue, Bogner, Bosch, Bose, Boss, Breedlove, Bricasti, Brio, BSS Audio, Buffet Crampon, Bugera, Bundy, Carl Martin, Casio, Cerwin-Vega, Chameleon Labs, Chandler Limited, Charvel, Chauvet, Cleartone, Cloud, Conn, Cordoba Music Group, Courtois, Crate, Crown, Cusack, Daking, Dangerous Music, dbx, Dean, Death By Audio, Diamond, DigiTech, Disney by Washburn, DLS Effects, Drawmer, Dunnett, Drum Workshop, EBS, Eden, Edirol, Elation, Electro-Harmonix, Electro-Voice, Elysia, Emerson, EMG, Eminence, EMMA Electronic, Empirical Labs, Empress Effects, Engl, Epiphone, ESP, Euphonix, Eventide, EVH, F. Loree Paris, Fano Guitars, Fargen Amps, Fender, Fender Custom Shop, Fishman, Focal, Focusrite, Fox, Fuchs, Fulltone, Furman, G7th, Gallien-Krueger, Galway, Gator, Gemeinhardt, Genz Benz, Getzen, Gibson, Gibson Custom, Gibson USA, Giffin Guitars, GNI Pedals, Godlyke, Gold Tone, Golden Age, Golden Age Project, Grace Design, Great Divide, Great River, Gretsch, Gretsch Drums, Gretsch Guitars, Guild, Guyatone, Hagstrom, Hans Hoyer, Hao, Harden Engineering, Harman, Haynes, Hercules, HHB, Hohner, Holton, Ibanez, ISP Technologies, J Puchner, Jackson, JamHub, Jasmine by Takamine, JBL, Jet City Amplification, Jody Jaz, Jupiter, K&M, Kanstul, Kawai, Keeley, Keilwerth, Keith McMillen Instruments, Kemper, King, Koll Guitars, Korg, Kramer, KRK, Kurzweil, Kush Audio, Langevin, Leblanc, Lexicon, Line 6, LovePedal, LP, LsL Instruments, Ludwig, Luna Guitars, M-Audio, Mackie, Mad Professor, Malekko Heavy Industry, Manley, Mapex, Markbass, Marshall, Martin, Martin-Leblac, Maxon, Meinl, Meinl Weston, Mesa Boogie, Millennia, Miraphone, Mixosaurus, Mogami, Mojave Audio, Moog, Morgan, MOTU, Music Man, MusicXPC, N-Tune, Neumann, Neve, Nord, Novation, NS Design, Numark, Olympus, On-Stage Stands, Option 5, Orange Amplifiers, Ortofon, Ovation, P. Mauriat, Pacific Drums & Percussion (PDP), Paiste, Parker Guitars, Pearl, Peavey, Pelonis Sound and Acoustics, Perris, Phonic, Pigtronix, Pioneer, Powell, Prelude by Conn-Selmer, PreSonus, Propellerhead, PRS, Purple Audio, QSC, Quik Lok, Radial Engineering, Rainsong, Randall, Rane, Reunion Blues, Rickenbacker, Rivera, RME, Roc-N-Soc, Rockbag by Warwick, Rockbass by Warwick, Rockcase by Warwick, RockStand by Warwick, Rode Microphones, Roland, Royer, Rupert Neve Designs, Sabian, Sample Logic, Schecter Guitar Research, Scherzer, Schilke, Schreiber, Schroeder, Schroeder Guitars, Selmer, Selmer Paris, Sennheiser, Serato, Shure, SKB, SM Pro Audio, Softube, Solid State Logic, Sonare, Sonivox, Soul, Soundcraft, Squier, Stanton, Steinberg, Steinberger, Stephanhouser, Sterling by MusicMan, Summit Audio, Sweet Sound Electronic, SWR, T-REX Engineering, Takamine, Tama, Tapco, Tascam, Taylor, TDK, Tech 21, Telefunken, Thermionic Culture, Toadworks, Tobias, Toca, Tone King, Tortuga, Traveler Guitar, Traynor, True Systems, Tube-Tech, Two Rock, Ultimate Support, Universal Audio, Vestax, Violet Audio, Vito, VMI, Voodoo Lab, VOX, W. Nirschl, Waldorf, Wampler, Warwick, Washburn, Weber Speakers, Western Digital, Xotic Effects, Yamaha, Yamaha Band & Orchestra, Yanagisawa, Zildjian, Zoom, ZVex Effects
Mechanical Gaming Keyboard - Cherry MX Blue - $44.11 ( Monoprice )
Added on : Friday July 12th 2013 07:00:03 AM
Today only!$44.11 at MonopriceNormally $66.95 ( Monoprice's store on Amazon ), I believe.Have you wanted to get a nice mechanical switch keyboard for your PC, but cannot justify the excessive cost? Monoprice comes to the rescue with this Mechanical Gaming Keyboard with Cherry MX Blue keys!This keyboard is designed as a bare-bones, no-frills mechanical board. You don't get a USB hub, or backlighting, or macro programmability. What you do get is a high-quality, durable keyboard using Cherry MX Blue keys at the lowest possible price, without sacrificing quality, of course!But why would you even spend this much on a keyboard when you can get other keyboards for $5? There are two possible answers. First, just try it. Take a chance on our 30-day money-back guarantee and try it for yourself. Once you get a feel for using a mechanical keyboard, you will never go back.The second answer is a bit more long-winded:Membrane style keyboards typically have a minimal travel distance. To register the keystroke the key must be completely depressed, yet instead of a positive feeling of bottoming out the key, it produces a mushy feeling with no tactile sensation of a full keypress. Because of the requirement to bottom out the key to get it to register and the lack of tactile feedback, a membrane keyboard can result in greater hand and finger fatigue and can even contribute to carpal tunnel issues.On the other hand a mechanical keyboard uses physical switches for each key. The switches have longer travel, yet can register a keystroke without requiring full depression, depending on which type of switch is used. This allows gamers to "double-tap" more easily and allows for faster typing. This keyboard uses the industry leading Cherry MX Blue switches, which require about 50-60 grams actuation force and which provide a physical and audible tactile click at the activation point. The switches are gold plated to prevent corrosion and have a life cycle of over 50 million keypresses, which is 5-10x more than that of a conventional membrane keyboard.Another advantage of this mechanical keyboard is that it supports "N-key rollover". Each switch is individually monitored so that each keypress is registered properly, even though other keys are being actuated at the same time. Typical membrane keyboards and most mechanical keyboards with a USB interface only support 6-key rollover (maximum 6 keys registering at a time), but this model supports 64-key rollover, which allows for complex gaming combos as well as faster touch typing with fewer errors.Note that the keys produce an audible click when they bottom out, so this keyboard is noisier than your typical membrane keyboard. However, many gamers and typists actually prefer the audible feedback and find it to help maintain faster typing speeds.Features:Uses Cherry MX Blue switches
Gold plated switch contacts
Switches rated for over 50 million keystrokes
2 mm keyswitch actuation distance, 4 mm full throw distance
Requires 50-60 grams actuation force
Cylindrical shaped keytops
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.
Getting your $50.00 Vacation Pay Prepaid MasterCard is easy.* Heres how:
http://www.cokesummer.com/#/travelhttp://www.ihg.com/hotels/us/en/global/offers/offers/get50
The fun doesn't have to stop when your trip ends. Stay for two consecutive weekend nights (Friday, Saturday or Sunday) and well give you a $50.00 Vacation Pay Prepaid MasterCard (up to $200.00) when you pay for your stay with a MasterCard card.Participating hotels include:
* InterContinental Hotels & Resorts
* InterContinental Alliance Resorts
* Crowne Plaza Hotels & Resorts
* Hotel Indigo
* Holiday Inn
* Holiday Inn Express
* Holiday Inn Resort
* Holiday Inn Club Vacations
* Staybridge Suites
* Candlewood Suites
* The Venetian
* The Palazzo1) REGISTER & PRINT
Register for the promotion before
your stay and print out your
registration confirmation page
(US and Canadian residents only)
2) BOOK
Book and complete a qualifying
stay at any hotel in the IHG
family of brands and pay with your
MasterCard card between
May 31, 2013 and September 1, 2013.
3) MAIL
Mail your completed rebate
form, registration confirmation
page and hotel bill showing
your qualifying stay to:

Vacation Pay
Dept. 121900
PO Box 52106
Phoenix, AZ 85072 4) PLAY
Your $50 Vacation Pay Prepaid MasterCard will arrive within 6-8 weeks. ELIGIBILITY:
Registration for promotion is required in advance of stay. A MasterCard card must be used to pay for the qualified stay. Registration can be completed at www.ihg.com/vacationpay. Valid email address is required for registration. Must register on or after May 14, 2013 through September 1, 2013 and stay between May 31, 2013 September 1, 2013. Registration must take place prior to the booking the stay. IHG brands are InterContinental, Crowne Plaza, Hotel Indigo, Holiday Inn, Holiday Inn Express, Holiday Inn Club Vacations, Holiday Inn Resorts, Staybridge Suites and Candlewood Suites. Open to residents of the 50 United States and the District of Columbia and Canada who have attained the age of majority in the jurisdiction of their residence. A stay is defined as two consecutive weekend nights (Friday, Saturday, Sunday) at the same hotel, regardless of frequency of check-in/out. A stay is qualified when paying qualifying rates, which include most business and leisure rates. Qualifying Room Rates do not include the following reduced room rates: net wholesale individual and group rate, certain package rates, employee discount rate, friends and family rate, crew rate, special discounted contract rates, seasonal worker/crew rate, 50% travel club discount rate, travel industry discount rate, distressed passenger rate, IHG Rewards Club Rewards Nights/Airline Hotel Reward rate, Best Price Guarantee Free Reward rate, complimentary hotel stays and any other rates not defined as a Qualifying Room Rate. Also excluded are opaque rates and name your own price rates (where hotel name, location and/or rate not visible until after booking is submitted). Guests of an InterContinental Alliance Resort (The Venetian or The Palazzo) must book their qualifying reservation through IHG channels (brand websites, call centers, and GDS) to become eligible, and such guests who book in any other way, including directly with The Venetian or The Palazzo or any other hotel, will be ineligible.
Rebate: One $50 rebate ($50 Vacation Pay Prepaid MasterCard) will be awarded on a qualifying minimum two-night weekend stay booked on or after May 31, 2013 at participating InterContinental, Crowne Plaza, Hotel Indigo, Holiday Inn, Holiday Inn Express, Holiday Inn Club Vacations, Holiday Inn Resorts, Staybridge Suites and Candlewood Suites hotels for U.S. and Canada resident stays worldwide between May 31, 2013 September 1, 2013. Guest must use their MasterCard card to pay for the stay. Up to four (4) qualified rebates awarded per household for stays during the promotional period. Limit one (1) rebate per qualifying registration confirmation per weekend period.
Rebate documents required:1) Copy of your Registration Confirmation, 2) Hotel folio with reservation number (bill) Rebate redemption must be postmarked no later than October 3, 2013. Any rebate redemption postmarked after October 3, 2013 will not be honored. If you misplace your registration confirmation, visit Vacationpayregistration.com and click on Already Registered button to print another copy.
The Vacation Pay Prepaid MasterCard has no cash value and is not redeemable for cash or usable at any ATM. Terms and Conditions apply to the prepaid card and will be received with the prepaid card. Subject to applicable law, the prepaid card will expire six months after the card is issued.
In Canada, card is issued by Peoples Trust Company and in the U.S., card is issued by MetaBank, Member FDIC, pursuant to license by MasterCard International. MasterCard and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated. The prepaid card is given to you as a reward for which no consideration has been provided by you in exchange for the card. Card issued in the name of entrant and is not transferable; card cannot be issued to minors. Card does not have cash access and can be used wherever (Debit) MasterCard is accepted. Card valid for up to 6 months. fees may apply, see the terms that accompany your card for details regarding funds after card expiration. Card terms, conditions, and limitations apply; see http://www.cardbalancesite.com/Terms-And-Conditions/NON-REL-MC-P... in Canada, or myprepaidcenter.com/site/mastercard-promo in the U.S. for details.InterContinental Hotels Group (IHG) reserves the right to substitute a check of equal value in lieu of a prepaid MasterCard card at its discretion. MasterCard is not the sponsor of nor shall have liability for this promotion. All rights reserved.
Offer valid only on purchase of hotel room nights at IHG brand hotels as stated above. Your rebate rights cannot be transferred. Keep copies of all materials submitted: originals will not be returned. Warning: Fraudulent submission could result in federal prosecution under mail fraud statutes (Title 18, USC Sections 1341 & 1342). Your reward will be mailed within 68 weeks after receipt of registration confirmation and folio. If you have not received your reward within 10 weeks, visit www.vacationpayrebate.com or call 877-837-3919 .
Reward will be returned to the name and address designated on the required registration confirmation U.S. addresses only will be fulfilled in U.S. dollars via a prepaid MasterCard card for US residents. Prepaid MasterCard cards mailed to Canadian residents will be in the amount of $50 in Canadian dollars. Claims postmarked after applicable dates, incomplete or illegible submissions, counterfeit copies of registration confirmation or receipts, and duplicate submissions will be rejected. IHG is not responsible for loss of registration confirmation, hotel folio or rewards due to lost or misdirected mail or for illegible entries. Good for actual purchases by end users only; excludes resellers and distributors of products and their families. Limit one reward per person, receipt, household, family or address per qualifying weekday stay. Maximum four (4) rewards per household during the promotion. IHG reserves the right to request additional information regarding this claim. IHG reserves the right to terminate promotion at any time.
Employees and their family members of any IHG company or any IHG branded hotel, Engauge, Innovar, InteliSpend or Mindshare are not eligible to participate in this promotion. Offer void where prohibited, taxed, or restricted by law. Promotion sponsor is Six Continents Hotels, Inc. For full rebate details, and to download rebate form, go to www.ihg.com/vacationpay
2013 InterContinental Hotels Group. All rights reserved. Most hotels are independently owned and/or operated. http://www.ihg.com/hotels/us/en/global/offers/offers/get50
Venetian Las Vegas Coupons
The Death of Corporate Reputation: How Integrity Has Been Destroyed on Wall Street (Applied Corporate Finance) [Kindle Edition] was $39.99Jonathan Macey (Author) http://www.amazon.com/dp/B00BXH6OEKPublication Date: March 20, 2013Publisher: FT Press3 Reviews ★★★★★#1 in Kindle Store > Kindle eBooks > Business & Investing > Industries & Professions > Banks & BankingWhy did the financial scandals really happen? Why are they continuing to happen? In The Death of Corporate Reputation, Yale's Jonathan Macey reveals the real, non-intuitive reason, and offers a new path forward. For over a century law firms, investment banks, accounting firms, credit rating agencies and companies seeking regular access to U.S. capital markets made large investments in their reputations. They treated customers well and sometimes endured losses in transactions or business deals in order to sustain and nurture their reputations as faithful brokers and gate-keepers. This has changed completely . The existing business model among leading participants in todays capital markets no longer treats customers as valued clients whose trust must be earned and nurtured, but as one-off counter-parties to whom no duties are owed and no loyalty is required . The rough and tumble norms of the market-place have replaced the long-standing reputational model in U.S. finance. This book describes the transformation in American finance from the old reputational model to the existing laissez faire model and argues that the change came as a result of three factors: (1) the growth of reliance on regulation rather than reputation as the primary mechanism for protecting customers and (2) the increasing complexity of regulation, which made technical expertise rather than reputation the primary criterion on which customers choose who to do business with in todays markets ; and (3) the rise of the cult of personality on Wall Street, which has led to a secular demise in the relevance of companies reputations and the concomitant rise of individual rain-makers reputation as the basis for premium pricing of financial services. This compelling book will drive the debate about the financial crisis and financial regulation for years to come -- both inside and outside the industry. About the Author
Jonathan R. Macey is Sam Harris Professor of Corporate Law, Corporate Finance, and Securities Law at Yale University and Professor in the Yale School of Management. He is a member of the Board of Directors of the Yale Law School Center for the Study of Corporate Governance, a member of the Faculty Advisory Group of Yales Millstein Center for Corporate Governance and Performance, and Chairman of Yales Advisory Committee on Investor Responsibility. He has served as an independent director of two public companies and is a member of FINRAs Economic Advisory Council and the Bipartisan Policy Center Task Force on Capital Markets. His many books include Corporate Governance: Promises Kept, Promises Broken and Macey on Corporation Law.
Amazon Coupons
Death by China: Confronting the Dragon - A Global Call to Action [Kindle Edition] was $25.99Peter W. Navarro (Author), Greg Autry (Author)
http://www.amazon.com/dp/B004GXB41GPublication Date: May 5, 2011Publisher: Prentice Hall Professional119 Reviews ★★★★

This is the eBook version of the printed book.Bestselling author Peter Navarro (The Coming China Wars) and Greg Autry challenges the dominant paradigm of a "Chinese Miracle" - the one featuring a modernizing, progressive Chinese state heading toward political reform and driving global economic growth with its new found embrace of capitalism and freedom.
Tearing this delusion away, Death by China documents the myriad ways that a powerful, wealthy, and corrupt Chinese Communist Party emboldened by a growing nationalistic frenzy is becoming the biggest threat to global peace, prosperity, and health since Nazi Germany.
From currency manipulation and abusive trade policies, to slave labor and deadly consumer products, China's ruthless rulers threaten the livelihood of the citizens of every developed nation. These thugs have created a frightening amoral society ruled by a constant fear hidden to outsiders and bought off with the ill gotten profits of a myopic quest for economic advantage at any cost - social, environmental, or civil rights concerns be damned. Worse, as with everything else, China is scaling and exporting the model around this world, threatening their neighbors and exploiting developing nations across the globe with a new imperialism.
While America worries that Al Qaeda or Iran may get their hands on a weapon of mass destruction, China is using our Wal-Mart dollars to build them by the score; filling brand new nuclear submarines with missiles aimed at our heartland and building stealth planes designed to obliterate our friends in Japan, Korea, and Taiwan.
America's policy of appeasement and perpetual bending to Beijing's tacit threat to stop funding our unsustainable consumption based economy and deficit addicted government has left the Chinese people and the world in a frightening position while achieving absolutely nothing. With each new attempt at further "engagement" China simply rounds up more artists, writers, and political dissidents into its gulags and continues its policies of virtual genocide against the peoples of Tibet and the Uighars of East Turkestan. It tightens control over media and the Internet and expands its regional, territorial and resource claims. Laughing at our timidity, it becomes ever bolder in executing its plan to shutter every last manufacturing plant in the West.
Meanwhile, Western turncoat CEO's are content with pumping up one more quarterly report by driving every last high-value manufacturing jobs to Guangzhou or Chengdu. Congress is happy to be re-elected with contributions from those same corporations. Together they are happy to leave the rest of us with a future of low paying service and retail "careers" based on selling junk made in China to each other while accumulating a pile of Chinese debt and building a geopolitical time bomb of epic proportions.
For every American, European, Japanese or Korean reader who wonders where his job has gone and worries about the world his children will inherit, Death by China is a must read. The book features an inspiring Forward by Chinese Dissident, Baiqiao Tang and a brilliant Epilog by Congressman Dana Rohrabacher.About the Author
Peter Navarro is a business professor at the University of California Irvine and a CNBC contributor. He is the author of several path-breaking books including The Coming China Wars, The Well-Timed Strategy, and Always a Winner as well as the bestselling investment book If It's Raining in Brazil, Buy Starbucks.
Peter's articles on economics, business, and China have appeared in a wide range of publications, from Business Week, Los Angeles Times, New York Times, and wall street journal to Harvard Business Review, the Sloan Management Review, and the Journal of Business. He is a widely-sought after and gifted public speaker and appears frequently on Bloomberg TV and radio, CNN, CNBC, and NPR, as well as on allthree major network news shows.
Professor Navarro holds a Ph.D in economics from Harvard.
Greg Autry is an entrepreneur, writer, and educator. He has published extensively on business, economics, politics, space and China andassisted Professor Navarro in research and preparation for the revised edition of The Coming China Wars.
Greg holds a BA in history from Cal Poly Pomona and an MBA from the Merage School of Management at UC Irvine. As a lecturer, he's taught business strategy and macroeconomics at Merage where he is currently completing a Ph.D in the area of Economics and Policy. His dissertation is on the evolution of the private commercial space launch industry.
Nutrisystem Success "You Choose" Four Week Plan Auto-Delivery
Retail Value: $283.05
http://www.qvc.com/
QVC Price: $194.00Today's Special Value Price:$159.96Good until June 30, 2013 11:59 p.m. ET Shipping & Handling: $16.97
Eat what you love and lose weight with the Nutrisystem plan customized to your specific tastes. With this Auto-Delivery program, you'll receive a new shipment approximately every 30 days for a total of five shipments. And, each shipment includes a great bonus item!This well-designed, weekends-off program--offered in your choice of three great cuisine varieties or an enjoy-it-all variety sampler--makes living healthier easier than ever! With low-fat, low-glycemic meals that taste great, plus a meal planner and exercise guide included, you'll be able to stick to the program and maximize success.Which sounds good to you? Whether you choose Home Style, All-American, Italian Flair, or Variety--view the Meal Plans linked above to see what's included--you'll receive perfectly proportioned meals prepared by a team of professional chefs and nutritionists. The program is as enjoyable as the results! And because the foods are packed with protein and soluble fiber, they help you feel fuller longer, which can help you stick to your diet better.It's easy, tasty--and convenient. With Nutrisystem, the work is done for you; just heat, eat, and enjoy. The shelf-stable, prepackaged meals don't need to be refrigerated--grabbing a snack to go or packing a lunch for the office couldn't be easier.If you've tried other diets and struggled, try Nutrisystem, a leader in the weight loss industry for over 40 years. Get started today for a great value--it's an investment in yourself!From Nutrisystem.The Nutrisystem plan should be combined with a sensible exercise program, as well as the Recommended Daily Allowances of fruits and vegetables. As always, please consult your personal physician before beginning any diet or exercise program. Click on the Important icon above for details, restrictions, and recommendations.Take a realistic approach: If you work consistently and follow the program, you maximize your results.Each shipment includes 20 breakfasts, 20 lunches, 20 dinners, 20 snacks, meal planner, exercise plan, and bonus items; shipments arrive approximately every 30 days for a total of five shipments
See Meal Plans linked above for a list of what is included in each plan
Shipment 1 Bonuses: 56 individually wrapped Chocolate Calcium Chews and three breakfast bars
Shipment 2 Bonuses: seven Vanilla Shake mixes and blender bottle
Shipment 3 Bonuses: seven Chocolate Shake mixes and four breakfast bars
Shipment 4 Bonuses: seven Strawberry Shake mixes and three lunch bars
Shipment 5 Bonuses: meal measurer and two dessert cakes
Variety Plan: combination of all three plans; shipment 1 Variety Sampler; shipment 2 All-American; shipment 3 Italian; shipment 4 Home Style; shipment 5 Variety Sampler
Gender neutral
Can't ship to PR, VI, or Guam
Each shipment billed separately at above price, plus S&H and any applicable taxes, for as long as you remain in the plan; no obligation to continue; cancel anytime
QVC Coupons
Buying damaged cars thru copart auction good or bad???
Added on : Friday June 28th 2013 06:00:09 PM
Hello,
Was thinking of buying damaged cars thru copart or iaa auctions, i am not a registered car dealer, but was told that you can buy thru a broker.
Is this a good idea? I do have some auto body experience and some experience in the auto industry, but not sure if these brokers are reputable or a viable option.Has anyone done this before?Any input is appreciated,
My wife (an architect) was looking for AutoCAD LT, and today I found her a good deal and pulled the trigger on their newest 2014 version from Tiger-Direct.We've been tracking the prices of suitable AutoCAD products for more than a year. Most times of the year, AutoCAD LT usually runs ~$1150. But we noticed that shortly after new versions (e.g., 2013, 2014) are introduced, there are good sales to be found for a limited time. Right now, AutoCAD 2014 LT is being promoted. Although AutoCAD is really expensive, it's the "industry standard" and the CAD software my wife is already familar with. LT is the "more affordable" 2D-only version, which is perfectly adequate for her needs.Right now AutoCAD LT 2014 is listed on Tiger-Direct for $755 after current sale price, coupon and shopdiscover discount:
$900 - base sale price
+ ~$7 ground shipping
- $100 coupon ("DWG94231" - good through 6/29/2013)
- 5% shopdiscover
- 1.3% targeted additional discover card rewards (2% on $500 purchases, essentially .25% on remainder)
gives a total of about:
$755 shippedTiger-direct link:
http://www.tigerdirect.com/applications/SearchTools/item-details...Other cash-back options for shopdiscover: (Note that none higher than the 5% shopdiscover appear to be applicable to this type of product)
http://cashbackwatch.com/store.php?store=Tiger%20DirectLate last week, the best deal on AutoCAD 2014 LT (also being promoted back then) was $878 from New-egg including a $50 Gift card. After 2% fat-cash, and $10 "NEWCUSTOMER06" coupon code, it and the $50 gift card would have run about $850 "bottom line".Since she figures she'll be holding onto and using this for a very long time (many years of use expected), we didn't opt for the expensive annual "support" plan that provides continual upgrades to the newest version as they are released.Happy architecting!
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Complete Collection of Financial Resouces
Added on : Tuesday June 25th 2013 11:00:07 PM
How I would go about learning finance today if I was a newbieI've been getting this more and more in my own private life and via PM on here(and a long response just accidentally deleted broke the camels back on me answering it piecemeal).Obviously depending on where you're at already would determine where you would probably want to hop in.It's my belief that most people should follow some pattern like this:
1) They see something in the space that captures their attention and interests them
2) Learn the basic building blocks like time value of money(and get good at it on excel), basic bond valuation, basic macro/micro, etc.
3) Pick up regular financial habit like reading a particular financial news site or show on TV. It just has to be something that interests you enough to be able to keep up with it. This one is very important since most people aren't going to be able to 'crash course' enough information in large blocks of dense reading to really get that far. In most cases it's the regular stuff that really gets someone up there.
4) The real great thing is using google, wikipedia, and investopedia to look up something you don't quite understand every time it comes up from those regular financial habits. See nobody really has the attention span to jump from constant wikipedia entries to more entries. Instead it's the occasional article with some term you don't know much about that spawns a few dense readings that is pretty bearable.
5) Then supplement all of this with the occasional book focused on some particular subject matter that interests you in a more dense fashion.List of many of my financial site bookmarks
Aggregation:
-Street Sleuth probably the best financial news aggregator online that has the last handful of headlines from numerous online sources, many of whom are listed below
-RealClearMarkets Very good focused aggregator of financial news sort of like a Drudgereport of financial news for the day
-Finviz News Besides being quite likely the best free stock screener online Finviz has pretty decent rolling news aggregator
-Then obviously google and yahoo financial news although it's pretty sub par unless you use specific keyword searches into their news search engine.Main general publications:
-Wall Street Journal needs no introduction, WSJ allows a person coming from Google to get by the pay wall a certain number of times a day so if you see an article you want to read just search it's title and you can get past the pay wall
-Financial Times
-CNBC
-Bloomberg
-Businessweek
-Forbes
-Barrons
-NYT Business
-Reuters Business
-Investors Business Daily
-CNN Money
-Fortune Mag(CNN money)
This list is really quite endless and the interesting this is that you'll basically get all of the same information from each of these places because they all rely on the wires to determine content minus maybe a few idiotic personal finance pieces thrown in as filler.Specialized and Original WorkGeneral Dense:
-Zerohedge Despite some of the more apocalyptic postings from some of the staff and very weird comment community they do quite often produce some of the best work in the business
-Dealbreaker A little more 'inter workings' focused news site for original content with a little bit of comedic side of shoveling $hit at key Wall Street players in a TMZ fashion
-Dealbook(nyt) Basically an advanced financial news site for industry professionals
-Market Folly Not particularly high volume, but good valuable information you wont find too many other places. Their weekly "hedge fund links" is usually a great source of info.
-Motley Fool Not particularly more advanced than your typical news site
-247 Wall Street Same as aboveInternational English:
-Globe and Mail Investor
-Spiegel Business
-South China Morning Post Business
-Arabian Business
-African Business News DigitalGeneral Econ:
-The Economist More high brow
-Mish's Global Economic Analysis More low brow
-A lot of this is covered in the general news section otherwise the next place is to go to the think tank publications like Cato, Brookings, etc. depending on the persuasion your after(my quick dig: fyi in this area Krugman doesn't really count since practically all of the think tanks out there actually do real work except him).Trading/Investing News:
-Seeking Alpha Primary utility to me has been their aggregation of company conference calls
-Value Walk Value focused news site
-Value Investors Club Value focused research community
-Wall St. Cheat Sheet Stock specific news and useful earnings report cliff notes
-The Street Even though it's Jim Cramer's baby it has become a bigger player in stock news so it deserves to be mentionedUseful Trading Investment Tools, Research, etc.:
-Zacks Probably best free equity research site
-Morningstar Best free mutual fund and ETF research and info online
-ETF Database Good ETF screener and source of lists
-Finviz Probably the best free stock screener online
-Firecalc Best free historical and/or monte carlo simulator online
-MSN Money Great for stock research particularly in their interactive graphing, historical revenue and income numbers, and tracking of earnings estimates.
-Google Finance Mostly for equity research. Laid out well, but pretty similar to what else you'll see.
-Yahoo Finance Really yahoo key statistics is really all that is left that I like about of habit I still yahoo to look up SEC filings. Places like MSN have mostly beaten them in all the other areas. They have their message boards as a semi unique offering, but those have mostly become a joke.
-Quantum Online Good outfit for researching things like Preferreds
-Big Charts Really nice interactive charts. Great because you can easily customize date ranges, have dividend dates appear on the map, even include the number of news stories for each day, etc. pretty useful
-Earnings Whispers Good source of information on guidance, changes in earnings expectations prior to an earnings release, etc.
-Conference Call Transcripts A search engine for transcripts of company conference calls
-ZenWealth Time Value of Money Calc FYI it defaults to type 0 for payments which means that it assumes end of period payment
-Stock Mapper Mostly just a cool heat map type of site for how the NYSE is doing at any point of the day. Provides a great visual plus it's pretty to look at.
-Citron Research These guys do some pretty damn good short focused researchTech, Angel/Venture Capital, etc.:
-Venture Beat Financial news site for start ups
-Tech Crunch Financial news site for start ups
-Finovate Site for financial start ups. Can watch many of the pitches onlineFollowing Key Financial Investors/Hedge Fund Managers/etc.:
-Financial Titan Thread FWF thread I started covering many famous financial figures
-GuruFocus Site dedicated to following the actions of famous investors
-Hedge Fund Letters A site dedicated to being a depository of letters to investors from various hedge funds. Not particularly up to date on many of them they cover.
-Name.Blogspot One gentlemen has a created a list of blogs for famous financiers and updates new information quite regularly. This one is devoted to Kyle Bass, but if you look in the lower right you'll see other ones this individual follows and posts on.
-Titan Search Query 1 One of 3 search queries I run for a list of names. From there I go to search tools and specify a period of time(maybe 1 month or 1 week) and just look at the recent results mentioning these people. I also go to videos to see if they've done any recent video interviews or presentations
-Titan Search Query 2 Same as before just another list of names.
-Titan Search Query 3 Same as the prior 2Financial Documentaries/Media/Online Class
-Financial Documentaries
-Top Documentaries Go to the Economics section
-Coursera Site for free online courses taught by good professors from top schools
-MIT OpenCourseWare Can look at the course notes of any financial or accounting class you likeTax Information:
-Fairmark Probably the best online source for new tax info out that I know of
-PWC 2013 Tax Planning GuideBooks(note I have a high preference for audiobook so I only *read* a whole book if I think it's worth it):
-The Intelligent Investor
-Security Analysis 6th edition
-Snowball: Warren Buffett
-Berkshire Hathaway Letters to Shareholders (you can actually get all of these online and avoid the book)
-Market Wizards, New Market Wizards, Hedge Fund Market Wizards
-Wilmott's Reading List I probably wouldn't trust anyone more than Wilmott to provide a solid reading list for those that want to look at more advanced books
-Wiley Finance Otherwise if looking at solid financial textbooks today I would mostly stick to what is published by Wiley.Audiobooks(slim pickings out there in good finance books most are the more entertaining sort):
-Liar's Poker
-The Big Short
-Boomerang
-Fools Gold: JP Morgan
-House of Cards: Bear Stearns
-Crash of the Titans: Merrill and BofA
-All the Devils are Here
-The Match King: Ivar Kreuger
-The Dark Genius of Wall Street: Jay Gould
-Den of Thieves: Drexel Burnham Lambert
-King of Capital: Schwarzman
Specifically What Kind of Program Would I Probably Put Someone on That was Interested1) Watch "The Ascent of Money"2) Watch "Commanding Heights: Battle for the World Economy"(probably the biggest list of key world figures taking part in one documentary ever made)3) Seek out a basic understanding of the following concepts(via google, wikipedia, investopedia, or a class on coursera or MIT OCW):
a) Time Value on Money calculations: Should set a goal to get pretty good on multi step calculations on excel
b) Key assets: Coupon bonds, zero coupon bonds, convertible bonds, preferred shares, common stocks, and shares in pass through entities such as Master Limited Partnerships and Real Estate Investment Trusts.
c) Collections of exchange traded assets: ETFs, mutual funds, index funds, etc.
d) Trade execution: Bid, ask, long vs. short, market order vs. limit order, stop loss(don't use), trailing stop loss(don't use)
e) More complicated assets/derivatives: Call option, put option, asset backed security/mortgage backed security.
f) How call and put options operate from the perspective of the seller or buyer to the point they could draw an options return profile themselves.
g) Bond valuation
h) How to read financial statements(income statement, balance sheet, cash flows) knowledge of how to write up journal entries not required.4) Pick up some regular financial habit(s). The list above should provide plenty of options. If I were to suggest a couple I would say:
a) Street Sleuth for a while. You'll eventually start to notice you navigating to particular sites on Street Sleuth, but at first it's a great place to see what headlines grab your attention.
b) Real Clear Markets. Content is just nice and balanced. Good mix of basic and more advanced. Good mix of bullish and bearish work. Good mix of the main news for the day with some of the less talked about stuff. Just a very well designed news site.
c) Whatever else listed above interests you. WSJ is a good choice. So is Zerohedge and Dealbreaker. Snagging video from the financial titan search queries are really interesting as well.5) I would then supplement that with some reading.
-The Intelligent Investor
and
-Security Analysis
are probably the most ideal starting points
This is all I've got for tonight I might add more later on. I'm sure I forgot a bunch and it's getting late.
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LINKMicro Guides are ideal for reduced weight and increased castability. Characterized by their miniscule insert rings, Micro Guides are very possibly the biggest innovation since the Fuji Concept System in the late 1990s. Although small super light weight guides arent new to the fishing rod industry as they had been being used quite extensively in the 80s and 90s in Europe for carp rods. The main difference in todays guides are that they are the lowest possible frames and smallest rings available for the application the end user has in mind.
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USOUTDOOR.com: FREE $50 NAKEDWINES.com voucher w/ $50 purchase
Added on : Saturday June 22nd 2013 07:00:02 AM
USOUTDOOR.com: FREE $50 NAKEDWINES.com voucher w/ $50 purchasehttp://www.usoutdoor.com/USOUTDOOR.com is offering a FREE $50 NAKEDWINES.com voucher PLUS Free Shipping with your $50 purchase. Voucher code will be available upon completion of your order of $50 or more. You will also receive the voucher code in your email order confirmation. Offer valid while supplies last. See site for details. You may use the $50 voucher at nakedwines.com.Nakedwines.com Wine Vouchers are only redeemable by customers over 21 years of age and for shipments to AK, AZ, CA, CO, CT, DC, FL, HI, IA, ID, IL, KS, LA, MD, ME, MN, MO, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OR, SC, TN, VA, VT, WA, WI, WV and WY. This offer is not valid in TX, MI and MA. Only one Wine Voucher may be used per customer. Your Wine Voucher will be available upon the completion of your order at USOUTDOOR.com. Wine Vouchers can only be used at the US online store of nakedwines.com (minimum $51 purchase). Wines ship in packages of 6 or 12 bottles. An additional $9.99 delivery charge applies at nakedwines.com for orders $100 or less. Additional shipping costs will apply for Alaska and Hawaii. Voucher cannot be applied to shipping charge. Voucher discount apportioned against all items purchased. Voucher cannot be used in combination with any other offer or promotion-including other vouchers. Voucher cannot be doubled. Product availability varies by state. Except where directed by law, the Voucher shall never expire. Void where prohibited, taxed or restricted. The Voucher is not legal tender, has no cash value and cannot be redeemed for cash or gift cards. The Voucher cannot be used toward prior purchases or returned merchandise. If the Voucher is lost, a replacement Voucher may be issued by USOUTDOOR.com upon presentation of evidence of purchase. Reproduction, purchase or sale of the Voucher is prohibited. Taxes, shipping and discounts do not count toward the minimum qualifying spend. Alcoholic beverage industry members not eligible. Nakedwines.com is not affiliated with Naked Winery, www.nakedwinery.com in Hood River Oregon. Full terms and conditions are available at www.NAKEDWINES.com.
Burton Men's AK 3L Hover Snowboard Jacket $279.99 FS
Added on : Friday June 21st 2013 07:00:06 PM
Burton Men's AK 3L Hover Snowboard Jacket $279.99 FShttp://outlet.altrec.com/odat/When browsing for a top of the line snowboard jacket there are a number of attributes you'll want to consider for inclusion in the garment such as added warmth for insulation, pockets to store your hands when it's arctic like, an ideal fit in the chest/hip/sleeve areas, etc. The Burton Men's Ak 3L Hover Snowboard Jacket has swiftly risen to the summit as one of the snow sport industry's best achieving jackets for all sorts of icy cold temperatures. It uses many of the whistles and bells necessary to produce a fine day on the mountain. It can be worn above a performance baselayer as well, and we'd advocate a garment from either Helly Hansen, Mountain Hardwear, North Face or Marmot. Of course, Burton could have compatible base layers in the shop that you don't want to pass by.Burton snowboard coats are some of the best around. The Men's Ak 3L Hover Snowboard Jacket comes in Celery, Smokecamo Roasted Brown and True Black. Depending on the color of your other pieces of gear, such as your snowboard bindings, hats and backpacks, you may want to acquire a color that matches well with the rest of your equipment.
$10 for $20 / $20 for $40 to YesToCarrots.com via groupon
Added on : Friday June 21st 2013 07:00:05 PM
This is for ATL - should work for anywhere in the US.http://www.groupon.com/deals/yes-to-carrots-com-atlantaThe Fine Print
Expires Sep 7, 2013 Eastern Time (US & Canada)
Limit 1 per person, may buy 1 additional as a gift. Limit 1 per order. Valid only for option purchased. Online only. Shipping not included; extra $5 fee for shipping. Not valid toward "Special Offers" bundled products.About the Deal
Aside from those gross ball things that grow on orange trees, the best ingredients usually come from nature. Give your skin the best with this Groupon.Choose Between Two Options‣ $9.99 for $20 worth of natural skincare products
‣ $19.99 for $40 worth of natural skincare productsNourish all parts of your body and skin with award-winning, naturally derived products featured in Marie Claire, Women's Health, and Allure. Products such as a tomato daily pore scrub ($9.99), a cucumber color protection shampoo ($7.99), or grapefruit dark-spot-correcting body crme ($9.99) blend antioxidant-rich natural ingredients to nourish all skin types for people of all ages. This Groupon is valid for all YesToCarrots.com product lines.YesToCarrots.comYes To Carrots fulfills an important role in the skincare industry: responsibly developing moisturizers, shampoos, and creams that are free from harsh and often harmful synthetic chemicals. Shoppers scrub their scalps, protect their skin from UV rays, and even clean up their toddler's messy faces with products made almost entirely from naturally derived ingredients and packaged in recyclable material.Products, such as the Allure magazine Best of Beauty 2011 winner Yes to Cucumbers facial towelettes, are packed with antioxidants, vitamins, and moisturizers. Using natural ingredients, these biodegradable towelettes exfoliate, rejuvenate, and detoxify visages for easy on-the-go use.Yes To Carrots team is so dedicated to healthy living that it routinely engages in minor feats of world-betterment, such as planting community educational gardens for kids across the globe.
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Stuck owning a 3 family, but not upside-down. What to do?
Added on : Wednesday June 19th 2013 06:00:07 PM
Seeking to improve my financial position, I bought a three family home using an FHA Rehab loan while the $8000 tax credit incentive existed in 2009. I had essentially no non-retirement assets at the time and had to do this in a highly leveraged fashion, using a credit card 0% on purchases offer and the US Mint deal to establish a reserve suitable for the down payment. The house is in a slightly run down area of a northeast US city where vacancy rates are running around 9%.The house was bought in foreclosure for ~120k in 2009 using an FHA rehab loan, with ~195k total owed after closing costs and rehabilitation costs were rolled in. It is now a turnkey property with all new heating systems, renovated rooms, flooring, etc. At present, I live in one unit which has a likely market value of $1000 per month, and the other two units rent for a combined $1600 / month (which is probably slightly below market. It's realistic that I could get $1800 in total, but would need to find new tenants for one of the units to do this.) Unfortunately, there were cost overruns with the rehabilitation, which was a situation I was prepared for, which required me to spend an additional $15k out of pocket, for a total effective basis of around $210k in the house. In addition, I had some difficulty finding tenants initially, which led to me running up around $30k of debt juggled with 0% balance transfer offers, which I have since retired to around $9000. My employer has a generous match, and I didn't want to miss out on any of that, or my ability to contribute to a roth IRA each year, and preferred the debt at an effective cost of 3-4% APY.The present mortgage payment, including property tax and insurance escrows, MIP, etc is around $1700, so the house is close to cash-flow neutral (barring repairs and common utilities), despite the fact that I'm occupying it and using 35% of its value or so - Overall, it's been a reasonable investment, but I'm still in a very cash poor position.I have an opportunity and a locked in rate to refinance the property to a new conventional 30 year loan at 3.75%, contingent upon an appraisal that allows me to do so. Because it is a three family property, I can only find reasonable deals at 75% LTV which will require me to bring up to 15k to the table to close a refinance depending on how the appraisal comes in. In the event that I can close the refinance, I plan to remain in the home for at least one year (though probably no more than two), so I qualify for an owner occupied mortgage for the re-fi, though eventually I plan to leave the region of the country I am currently living in for personal reasons. This refinance would bring my monthly payment down to around $1200-1250, which makes things considerably more affordable from a cash flow perspective, even if I continue to reside in the home. Obviously, I don't have $15k, but I can obtain it via a 401k loan with ease, and pay that off using credit card balance transfers, though I'm hesitant to carry significant sums of revolving debt. I am not aware of affordable HEL or HELOC products for this type of property at the LTV I'm talking about.Unfortunately, my job is not particularly highly paying relative to regional cost of living, and I don't have a lot of mobility at the moment with my current employer. In addition, it has become somewhat insecure lately, and I've become relatively burnt out on the industry and job function which I find under-challenging on a good day. In the event I were to lose my job, I would likely leave this region of the country almost immediately, and either sell the home or turn it into a straight rental property. The sale might end up being at significant loss when considering realtor fees and the relative illiquidity of homes that are "over-improved" for market conditions, (I feel that I'd have to hang onto the home for a long time to get the right price, or quick-sell it for around $200k), it would seem to be a more prudent option to be an absentee landlord and find a property manager in this eventuality. I don't feel particularly well suited to being a landlord, though I've done alright so far, I suppose, and though my overall net worth is pretty good compared to the income I've had, I feel as though I'm in a bit of a bind.What would FWF suggest that I do to maximize my long term financial health and peace of mind? Thanks in advance for any help or suggestions offered.
Stats:
Age: 29 Single, no kids, no plans for kids, reasonably good healthIncome: ~$50k / yr gross, excluding the rental.Property:$200k assessment, probably $225k zestimate, probably worth $230-240k due to higher than standard level of interior improvements
$180k - Mortgage at 5.75% + FHA MIP for one more year, 26 years remainingAssets: $85k 401k, fully vested, about half roth and half traditional
$60k Roth IRA of which 24k are contributions
$10k HSA
~$3k mid 2000s sedan paid in fullLiquid Assets:$7k in the bankDebts:$9k - 0% BT Through June 2014 (debt is related to renovation of the home, and was about 10k higher 2 years ago)FICO around 780, approx ~$120k in available credit across several CC issuers, regular 0% promotions, though mostly with a 3-5% transfer fee.
(BTW, this is not an alt account, I have lurked here for a long time, maybe almost 10 years, and have gained a lot from the community, and though I haven't had an opportunity to register or contribute as of yet, the techniques here have allowed me to help friends and family and make a positive impact on the world in general, so thank you all).
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Free Activation @ Best Buy on Verizon Wireless Smartphones!
Added on : Friday June 14th 2013 04:00:03 PM
Hey all,
If you're a Verizon Wireless customer and are looking to upgrade your smartphone, Best Buy is offering free activation on both new accounts and upgrades! To me, the activation fee is the biggest abuse in an already abusive industry.. the notion of paying a fee to get onto contract and be bound by ETF's and other nonsense makes my blood boil. That's why this promotion by Best Buy is so amazing! I see it on bestbuy.com and I was able to get it in store. I purchased both an iPhone 5 and GS4 this afternoon and paid $0 in activation or upgrade fees! I just looked on the bestbuy.com site and the promotion is still valid. No promo codes needed, no bs to deal with. If you're a VZW customer or are looking to join, act now! Oh, and I was able to get all other offers (199 instant price on GS4, $50 off all iPhones, etc.) in addition to not paying the activation or upgrade fee!good luck everyone!
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