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g: 0 Posted By: ctgolfer
Views: 152 Replies: 0 5 reversible mahogany/maple blades allow you to change your decor style without replacing the entire unit
3-light kit with pull chain control
3-speed reversible control
Brushed nickel finish offers rich, traditional styling
Designed for interior use
Large Rooms: room size from 12 ft. x 12 ft. to 18 ft. x 18 ft.
Downrod hangs the ceiling fan closer to the floor for improved air circulation in rooms with tall ceilings
4,796 CFM, 160 RPM
Ideal for room sizes over 20 ft. x 20 ft, with blade size of 52 in.
UL listed
Recommended replacement bulb (13 watt medium base CFL) is available at Home Depot (SKU# 423-599)
Can be installed with or without a light kit

www.homedepot.com/p/Hampton-Bay-Carrolton-52-in-Brushed-Nickel-C...
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g: 1 Posted By: lambo881
Views: 203 Replies: 0 Rakuten has both Monoprice 27" WQHD monitors on sale.

27" IPS Zero Gfor $279.99 ($321.99 - $42 instant coupon), free shipping
27" IPS Glass Panel Profor $349.99 ($386.99 - $37 instant coupon), free shipping

Best prices I've seen! Both monitors are are WQHD 2560X1440 resolution. The more expensive monitor offers additional ports (DisplayPort and HDMI) in additional to the Dual Link DVI and VGA. It also guarantees no dead pixels, though I don't recall the dead pixel policy on the lower cost model. Remember, you'll need a compatible video card and use either DisplayPort or Dual Link DVI to get the higher resolution. It comes with a Dual Link DVI cable (a normal DVI cable does not support the higher resolution). Price is much closer to the less expensive 1920X1080 monitors and of course, significantly lower than name brand WQHD monitors. Main knock on these panels is the stand.


Monitors Deals

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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.
Personal Finance Deals
Quicken Mac 2015 released
Added on : Thursday August 21st 2014 05:00:06 PM
g: 0 Posted By: DrForce
Views: 68 Replies: 2 Intuit has released the final version of the venerable quicken software for Mac version 2015. The two biggest features of this release are mobile integration and investment tracking. It's still not at feature parity with quicken 2007 Mac or quicken windows but it is getting closer. Still no bill pay but that is a likely feature for a future release. Costs $75.http://www.quicken.com/mac
Discussion Deals
g: 0 Posted By: ctgolfer
Views: 36 Replies: 0 SYW members get $61.49 in points back ( free to join )

16x optical zoom, 28 mm wide Canon lens
Get closer to all the family action with a Canon 16x optical zoom that lets you capture every occasion in superb detail; up to 32x closer with ZoomPlus. The 28 mm wide-angle lens captures impressive landscapes and fits everyone in the frame for great group shots.
16-megapixel
A 16-megapixel sensor delivers detailed high-resolution images that can be printed at very large sizes (A3+) or cropped to achieve the desired composition.
Intelligent IS
Keeping photos and videos steady and sharp is easy - even when shooting at full zoom or handheld in low light - thanks to intelligent IS, which automatically adjusts the optical Image Stabilizer for different types of camera shake.
7.5 cm (3.0") LCD, hints and tips
A large, high quality LCD screen with wide viewing angle allows for easy framing, effortless menu navigation and pleasurable reviewing and playback of the results. Easy hints and tips help you understand your camera and improve your results.
Smart auto (32 scenes)
Even complete beginners can effortlessly shoot high quality photos or movies with Smart Auto, which detects the scene and selects the optimal settings from 32 variables (21 in movie). Smart auto is completely automatic - all you have to do is point and shoot.
HD movies
Effortlessly record high quality HD movies (720p) with stereo sound and optical zoom, with one touch of the dedicated movie record button. Intelligent IS reduces shake for sharper movies when shooting on the move or using the telephoto end of the zoom.
Fun creative filters
Experiment and have fun with a range of creative filters. Options include fish-eye effect to re-create the distortion of a fish-eye lens and super vivid to boost color saturation. Use miniature effect in stills or movies to make scenes look like miniature scale models.
Full manual control
Expand your creativity and take your photography to the next level with full manual control of shutter speed and aperture.
Eco mode, lithium-ion battery
Eco mode reduces battery consumption allowing you to capture more shots from a single charge of the rechargeable Canon lithium-ion battery.

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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.
Discussion Deals
g: 6 Posted By: bbr
Views: 247 Replies: 6 I searched the forum and there are only a few threads on this and they don't look like they were active until conclusion. So this thread will hopefully show the entire process through conclusion. However, we are at the beginning of the process and probably months if not years away from the end. Any helpful insights would be appreciated.

State - Georgia
Purpose - Road widening
Amount of land for right of way - 1000sqft +/-
Construction Easement - 6000sqft +/-

What they are wanting purchase from us:

Our SFR house (primary residence) backs up to a road they are widening from a 2 lane road to a four lane divided highway with bike lanes and sidewalks. It appears that the majority of new right of way is going across the street from us. The right of way they want to purchase from us is only a few feet wide and probably wouldn't have much impact on our quality of life. However, they also want a permanent easement that comes an additional 40' +/- closer to our house. They would clear the land on this easement and we would not be able to place any permanent structures (ie. fence) on this land. This easement would clear out an 8'-10' high earthen berm with a 6' high privacy fence on top and extensive mature landscaping. Additionally we have a nice new pool and spa in our back yard along with a pool house and storage building. The back yard was designed to be our relaxation area (has waterfall features on pool and spa, nice lighting, nice landscaping, etc.) and is fairly private. Removing the berm and landscaping will diminish the quality of life extensively (according to me).

Where we are in the process:

August 2014 - Appraiser met with us to explain what they were doing and approximately how much land they would need. Gave us a map and pointed to the approximate boundary lines (surveyors should stake the property "soon"). Appraiser took lots of pictures and was very helpful with explaining the process and what they would and would not pay for.

What they will pay for:

-ROW land
- Easement land
- Fencing
- Landscaping (plants, trees, and irrigation)
- Storage building (if any part of it it is in easement area)

What they might pay for:

- Diminished value because of the loss of the berm and landscaping

What they won't pay for:

- Not sure yet. Going to ask for everything under the sun.

Negotiation Strategies:

- Ask for concrete privacy wall/noise barrier like you see on interstates (appraiser said he had not seen them do this on this type of project)
- Ask for construction easement to be temporary
- Ask for diminished value from loss of berm/landscaping (appraiser said he would need to do a more in depth appraisal for this, he's going to try to get that appraisal approved)



If you have any experience with something like this, or if you have suggestions please chime in.
Personal Finance Deals
g: 0 Posted By: ctgolfer
Views: 173 Replies: 0 Canon PowerShot SX510 HS - Digital camera - compact - 12.1 Mpix - 30 x optical zoom - Wi-Fi - blackCompact and comfortable to hold, the PowerShot SX510 HS camera creates images hard to match with a smartphone, with wireless sharing from virtually anywhere. Expanded built-in Wi-Fi offers quick and easy setup, and lets you post to Facebook, Twitter, YouTube and Flickr, send to email, plus share with your tablet, smartphone, networked PC and wireless PictBridge certified printer. With the ultra-powerful 30x optical zoom, you can capture an athlete's facial expressions from up in the bleachers, achieving crisp clarity with Canon's optical image stabilizer. The 24 mm wide-angle lens captures family groups and landscapes with ease. Experience low-light shooting like never before with the Canon HS system: a 12.1-megapixel high-sensitivity CMOS Sensor and DIGIC 4 image processor. And preserve memories you'll want to relive in spectacular 1080p Full HD video. Smart AUTO senses and chooses the perfect camera settings for 32 pre-defined scenes, making every shot (and video) a winner. Shooting is fun and spontaneous with high speed AF, and zoom framing assist makes it easy to keep subjects in sight at the long end of the zoom. The camera is equipped with Intelligent IS that diminishes blur caused by camera shake, and a big, bright 3.0-inch LCD screen makes it easy to shoot and review your stills and video.

30x ultra-zoom, 24 mm wide lens
Get closer and capture the full detail of distant subjects with a huge 30x optical zoom, or up to 60x with ZoomPlus. Fit more in the frame with 24 mm ultra-wide-angle for great group shots and stunning landscapes. The huge zoom fits neatly into a mini bridge style body that's so small it's easy to carry, wherever you go.
HS system
HS system excels in low light allowing you to capture the real atmosphere of the moment without flash or a tripod. A high performance DIGIC 4 processor and high-sensitivity 12.1-megapixel CMOS image sensor give superior image quality in all situations.
Intelligent IS
An optical image stabilizer with intelligent IS automatically combats camera shake to prevent blur giving sharp, detailed photos and videos at full zoom or when shooting handheld in low light.
Wi-Fi, GPS via mobile
Wi-Fi lets you connect easily with home wireless networks, compatible printers and PCs, plus portable devices like smartphones and tablets, for fast, online image sharing and backup. Use your smartphone's GPS to tag images with shooting locations over Wi-Fi.
Full HD movies
Easily record Full HD movies (1080p) with stereo sound and optical zoom, with one touch of the movie record button. Enhanced dynamic IS powerfully compensates for movement in movies for smooth results when shooting on the move.
7.5 cm (3.0") LCD
A large, high quality LCD screen with wide viewing angle allows for easy framing, effortless menu navigation and pleasurable reviewing and playback. Easy hints and tips help you understand your camera and improve your results.
Smart auto
Effortlessly shoot great photos or movies with smart auto, which detects the scene and selects optimal settings from 32 variables (21 in movies). All you have to do is point and shoot.
Zoom framing assist
Zoom framing assist helps keep track of distant subjects at high zoom in stills and movies. At the press of a button the camera quickly zooms out of the scene - so you can relocate the subject - zooming back the moment the button is released. Auto mode can track a moving face and does all the zooming for you, so all you need to do is take care of the framing.
Creative filters and manual modes
Get creative and take your photography to the next level with full manual control of shutter speed and aperture. Capture beautiful close up detail using 0 cm macro mode.


www.sears.com/canon-12.1-mp-powershot-digital-camera-sx510-hs/p-...
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Sears Coupons
g: 3 Posted By: remick
Views: 332 Replies: 1 http://www.amazon.com/dp/B00B853VB6/
4.9 out of 5 stars (19 customer reviews)

As they examine each familiar phrase of the Lord's Prayer, readers will uncover a profound framework for spiritual growth. In a reader-friendly, memorable style, David Timms points to Jesus's teaching on community, love for the broken and isolated, holiness in an age of profanity, dealing with the evil within, resisting temptations, and much more. This critically acclaimed book will appeal to all who desire to go deeper into spiritual formation, helping them taste the life-giving water that only Jesus can provide. The new discussion guide makes it a great book for small groups as well as individuals.


Can I Be Sure I'm Saved?
http://www.amazon.com/gp/product/B00428MY0U
4.6 out of 5 stars (89 customer reviews)

Many people in the church today are plagued by doubts about their salvation. Satan whispers that it is impossible that sinners such as they could be in a state of grace, and some churches compound the problem by teaching that it is possible for believers to lose their salvation. But assurance of salvation is possible in this life. Indeed, as Dr. R.C. Sproul argues in this Crucial Questions booklet, it is the duty of Christians to make their calling sure (2 Peter 1:10). To help believers reach this goal, Dr. Sproul defines assurance, shows how we can get it, reveals the blessings it confers, and warns of the dangers of false assurance. Here is assistance for those who struggle to know where they stand with Jesus Christ.



The Daily Walk Bible NLT: 31 Days with Jesus
http://www.amazon.com/gp/product/B00FEOFT0S
4.7 out of 5 stars (218 customer reviews)

Most people agree that Jesus was an amazing teacher and someone we could all learn from. At the same time, most of us have spent little time actually reading his story. The Daily Walk Bible NLT: 31 Days with Jesus is an open invitation to do just that. In just one month you will read through all four gospels, seeing Jesus and gaining insight into his purpose and message for us.
This special eBook, taken from the pages of The Daily Walk Bible, includes a simple reading plan to help you through. Each day includes an Overview that provides a birds-eye view of that days reading, an inspirational and practical My Daily Walk devotion, and an Insight that offers an interesting fact about the passage. Every seventh day you will be invited to pause and reflectlooking back over what you have read, looking forward to what is coming, and most importantly looking up to God.
Its that simple, but be warned, Jesus has been changing lives for two thousand years31 days and yours wont be the same either.



All About Jesus: The Single Story from Matthew, Mark, Luke, & John
http://www.amazon.com/gp/product/B009MTOBCI
4.5 out of 5 stars (134 customer reviews)

Who was Jesus? What did he say? What did he do? This book is all about Jesus. It puts together the story of Jesus' life and message told by the people who knew him best--his disciples and friends--as recorded in the four Gospels of the Bible. Although the words were written over 2000 years ago, his message of peace, hope, love, and forgiveness still resonates with people of all races, nationalities, educational, and economic backgrounds. Some like what he said, while others disagree, but almost everyone finds him compelling. The story of Jesus comes to us from four different authors, Matthew, Mark, Luke, and John, written over a period of nearly seventy years. The message and uniqueness of Jesus remain the same, but each author tells the story from his perspective and for his purpose. Some writers wrote more; others wrote less. But what if we could read it as one single story from beginning to end? This book does just that by combining the four reports of Jesus' life into a single chronological story, using the easy-to-read text of the NIRV Bible. Take a new look at Jesus-- his life, his miracles, and his teachings--and to come to your own conclusions about the carpenter from Nazareth.
This book was produced in collaboration with Biblica (formerly the International Bible Society).



Who is the Holy Spirit? (Crucial Questions Series Book 13)
http://www.amazon.com/gp/product/B00AW02OZ2
4.4 out of 5 stars (150 customer reviews)

In this Crucial Questions booklet, Dr. R.C. Sproul cuts through the confusion by going back to the Bible. He establishes the biblical teaching on the Spirits identityHe is one of the three persons of the Godhead, along with the Father and Sonthen briefly sketches some of the most basic yet important roles the Spirit carries out. He shows that the Spirit gives new life to unbelievers, then sanctifies, strengthens, teaches, and anoints them for ministry. This booklet provides a basic understanding of the divine person on whom Christians very lives depend.



Five Lessons from the Carmelite Saints That Will Change Your Life
http://www.amazon.com/gp/product/B00DBBA1BS/
4.6 out of 5 stars (99 customer reviews)

Are you new to the Catholic spiritual life? Stuck in a rut? Not sure how you can grow closer to God? Five Lessons from the Carmelite Saints That Will Change Your Life will give you direction. St. Teresa of Avila, St. John of the Cross, and St. Therese of Lisieux will show you five vital steps you need to take to be holy.
You can read Five Lessons from the Carmelite Saints That Will Change Your Life in one sitting, then reflect on its teachings for a lifetime.
Now includes the Introduction from Connie Rossini's full-length book, Trusting God with St. Therese!



The Walk of the Spirit - The Walk of Power: The Vital Role of Praying in Tongues
http://www.amazon.com/gp/product/B00ARFNII4/
4.9 out of 5 stars (244 customer reviews)

Right now there is only one book available by Dave Roberson, but it is a book used by God to transform believers' lives in extraordinary ways.
If you want your life to change, or if you just want to increase your understanding about this phenomenon of praying in tongues, read "The Walk of the Spirit - The Walk of Power."



Foundlings (The Peleg Chronicles, book one 1)
http://www.amazon.com/gp/product/B0073EXXO6/
4.6 out of 5 stars (103 customer reviews)

Awarded Best Book of the Year 2010-2011 from The Old Schoolhouse Magazine!
#1 Bestseller in Historical Fiction from Christian Book Distributors Spring 2011!
#1 Bestseller in Fantasy from Christian Book Distributors Summer 2012!
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g: 2 Posted By: Luniz97
Views: 218 Replies: 1 simplehuman Semi-Round Step Trash Can, Brushed Stainless Steel, 40 Liters / 10.5 Gallons

strong, steel pedal: Our strong, all-steel pedal is engineered to last over 150,000 steps - that's more than 20 steps a day for 20 years.
semi-round shape: Space efficient semi-round shape is great for high-traffic areas.
dent-proof plastic lid: Won't show dirt or fingerprints.
hide excess bag: Bag tuck opening tucks away excess bag so it stays neatly out of sight.
slim profile hinge: Slimmer than traditional hinge designs - allows you to place the can closer to the wall.




http://www.amazon.com/gp/product/B0015YGZM2/ref=ox_ya_os_product_refresh_T1


67.99


Lowest price ever.
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g: 0 Posted By: ctgolfer
Views: 115 Replies: 0 Tour Certified
PinSeeker Technology to zero in on the flag
Up to 1/2 yard accuracy
5 yards-1,300 yards ranging performance (450+ yards to a flag)
Vivid Display Technology (VDT) for all lighting conditions
E.S.P. (Extreme. Speed. Precision.)
6x Magnification (objects appear 6x closer)
Premium lens coatings for superb optical quality
Adjustable diopter setting
Rubber armored metal housing
Posi-Thread Battery Door
Waterproof (IPX7) and RainGuard HD lens coating
3-Volt Battery and Premium Carry Case are also included
2 Year Warranty

www.ebay.com/itm/Bushnell-201960-Tour-Z6-Tournament-Edition-Golf...
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g: 0 Posted By: ctgolfer
Views: 107 Replies: 0 Condition: New
Packaging:Retail
Manufacturer: Sony
Model:SGPT112US/S



Ships with Android Honeycomb, upgradeable to Ice Cream Sandwich
TruBlack 9.4" LCD Touch Panel Display (1200 x 800)
By controlling the refraction of light between the LCD and the screen, Sonys TruBlack panel provides more vibrant colors, deeper blacks, and a totally amazing image
NVIDIA 1.0GHz Tegra 250S Dual-Cortex A9 Processor
32GB storage capacity Expandable via SDHC card Slot
1GB RAM
802.11a/b/g/n Wi-Fi with Bluetooth 2.1 + EDR
Dual cameras: Front - 0.3Mp, Back 5Mp
Sonys latest software technology brings you fast web browsing, responsive touch panel, and exceptionally intuitive user interface
Whether you choose to access hit movies to rent or own with Video Unlimited, tap into millions of songs from every major music label through Music Unlimited, or use the Crackle app to view full-length Hollywood movies and TV series for free and on demand, one thing is clear entertainment is key in the Tablet S
The Tablet S has a built in universal IR remote not only controls Sony products, but many of your electronics like your TV, Blu-Ray player, Cable Box, Receiver and more
Share, view and transfer personal video, photos and music to your DLNA compatible PC, TV or speakers
The Tablet S is PlayStation Certified, this means you can have even more fun on the go playing action-packed games you know and love from the original PlayStation and PSP
Boasting a unique form factor, Sony Tablet S is ergonomically designed to carry and use for long periods of time
The Tablet Ss form factor shifts its center of gravity closer to your palm, making it feel lighter and more comfortable while reading a book, or watching a video
The unique design also provides a more natural angle for typing when set flat on a table
With access to Google Play, you can browse through thousands of useful, time-saving and entertaining apps
Theres also instant access to Google mobile services and applications including 3D maps and easy web search with Google Voice Search
Access bestsellers, new releases and more from Reader Store from Sony
With the Sony Tablet S you can enjoy up to 8 hours of battery life to surf the web, play games, listen to music or watch movies
Connectivity: USB, Headphone mini-jack
Dimensions (Width x Height x Depth): 9.5 x 6.8 x 0.4
Weight: 1.3 lbs.



http://1sale.com/electronics/other/sgpt112us-s/
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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: ctgolfer
Views: 211 Replies: 0 Playback formats
Include DVD, DVD+/-R/RW, CD, CD-R/RW, Video CD, MP3 and JPEG for flexible options.
7" display
Features 180 swivel capability for flexible viewing.
Zoom function
Lets you zero in on the action for a closer view.
Thin and lightweight
Measures just 1-5/8" thin and weighs only 1.3 lbs. for simple portability.
Headphone jack
Lets you listen privately and allows you to turn up the volume without disturbing others.
Memory card slot
Supports Secure Digital and MultiMediaCard formats for easy data management.
Inputs
Include RF.
Outputs
Include composite video, stereo audio and S-video.
2-cell lithium-polymer battery
For up to 2 hours of playback time.

www.bestbuy.com/site/sylvania-7-portable-dvd-player-with-180-swi...
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g: 0 Posted By: remick
Views: 64 Replies: 0 http://www.amazon.com/gp/product/B00K95XH42

The Final Encounter (Complete Collection: 5 Books Full Series Bundle)



Short storyline



Book One: The Iron Axe


The pickaxe missed the creeper by a mile, and instead slammed into the tunnel floor. Cracks formed in the floor, and it fell away, taking the creeper with it down, down, into the red lava. It sizzled angrily as it fell, and vanished into the molten lake. Karl now stood on a single rock overhanging the lava lake. He wobbled, and jumped forward, grabbing the opposite ledge and hauling himself up safely.

This was the first time he had ever seen lava, and hoped it was the last. Now that he'd found the source of light, he knew he had to go further in order to find a route back upwards. However, the pickaxe gave him an idea. He turned to the wall of rock above him and started chipping at the rock with his pickaxe. It was slow work, but the steps he carved were worth the effort.

Soon Karl stood back on the first level below ground. This time, he was on the other side of the water that rushed over the path. He continued on eastward toward the unknown.


Book Two: Spiderbane


The black spindly monster edged closer, and stood tall above him. He looked up into its eyes, and felt as if his willpower were draining away into a dreamlike state. He shook his head to clear it, and swung at the creature with Spiderbane. The sword split the air where the monster had stood a moment before, and the cooing came directly from behind him.


Book Three: The Sword of Power


Zombies were around Karl as he staggered and fell forward. Arrows zipped overhead, punching three zombies in the chest and sending them back into the shadows of the chamber. Sparks flew and the smell of ozone filled the room as the caged chaos spawner lit up and spun wildly. Two more zombies appeared from nowhere, and this time lunged at Ruby as she was nocking another arrow. The first zombie swung wildly, and she dodged deftly, rolling to the side. The second zombie however swung low, and caught her in the side. Breath whooshed from her lungs as she rolled across the floor.


Book Four: The Nether Crown


Ruby was on the offense immediately. She unslung her magical bow, and nocked an arrow. She released the arrow just as the ghast belched forth a great fireball at them. The arrow caught the fireball, and spun it back at the ghast, but not before the arrow pierced the ghast's mouth as well. The ghast shuddered in mid air, and then the fireball hit, exploding around it with such ferocity, that nothing of the ghast remained to be seen.


Book Five: Return to Power


The zombie golems clashed with the spiders. Webs spun around several zombie golems, immobilizing them until they fell to the ground. The spiders set in upon the prone golems, and bit through the gold wires. The number of zombie golems slowly shrunk, and Tobin gestured wildly as he commanded the to attack. Three golems piled on one spider, and pulled it to the ground screeching as it fell beneath their undead fists.

The large cave spider and its rider, waited for the last dark spider to fall beneath the fists of the zombie golems. Then, it marched forward, all eight legs carved holes in the sand as it walked. Tobin and Karl stood side by side as the giant cave spider approached. Two zombie golems remained from the initial onslaught, and they shambled towards the giant cave spider and its rider. A large diamond blade, like a claymore, swept down from the top of the spider, and severed both zombie golems. They fell immediately, and Tobin's redstone light illuminated the rider as it strode into their campsite.

The rider was a squat elf, and wore a suit of dark chainmail armor. He glared at them over the saddle on the spider. He removed his helmet, and stepped down from the giant cave spider.
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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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g: 0 Posted By: remick
Views: 72 Replies: 0 http://www.amazon.com/dp/B00LNHY2TY

4.8 out of 5 stars (6 customer reviews)

Has your sex life become a bore? Need to spice up things in the bedroom? Sex Games provides 52 unique sex games and challenges for you to try one for every week of the year!

Each game comes with a detailed description, including rules, variants and twists, as well as a risk level rating for games that really push the sexual limits. If your sex life is in need of an overhaul, this is the book for you.

The challenges included have been carefully constructed to not only bring you and your significant other closer together as a couple, but also expand your sexual repertoire and technique, including many endurance-based games that will put you to the test. Challenges range from easy to extremely difficult, from public sex to lights-out madness. There is something for everyone, even if youve just become sexually active. Sexual experts will also find plenty to keep them up, including the killer final challenge, The Jack Bauer.
Hot and naughty, these sex games will provide you with a new outlook on your love life and an exciting relationship full of fun and spontaneity.

Bonus! Now includes an additional 100 daily mini-challenges to further heat up things between the sheets.

Included games:

Included games:
The Hot Dog
The Reading Game
The Come-A-Thon
The Twister
The Hot Seat
The Copycat
The Floor Is Lava
The Mother F
The Friction Test
The Nudist Colony
The Tongue Test
The Power F
The Rewind
The Hot-and-Cold
The Covert Op
The Open-and-Shut
The Hide-and-Seek
The Shape Game
The Edge
The A Day
The Chef
The ET
The Sounds of Silence
The Dinner Party
The ABC
The Seven Minutes In Heaven
The Mirror
Books & Magazines Deals
g: 0 Posted By: remick
Views: 206 Replies: 0 http://www.amazon.com/gp/product/B0090NULKM/

4.3 out of 5 stars (21 customer reviews)

Men are fairly simple creatures with fairly simple needs. Yet women often find themselves frustrated trying to understand those needs in order to improve their marriages. Many wonder, "What does he expect from me? I'm doing everything the best I can. Doesn't he know I'm at the end of my rope here?" Relationship expert Rick Johnson ends the guessing game, giving women an open and honest look inside the world of a man's needs and helping them understand how best to use their influence to have a satisfying and exciting relationship.

Rick delves into the not-so-mysterious-after-all world of a man, highlighting his need for respect and admiration, his sexual desires, his communication style, his work, his emotions, and even his relationship with the "other woman"--his mother. Women will appreciate Rick's candor, humor, and insight as they discover that the marriage of their dreams is closer than they ever thought it could be.
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g: 0 Posted By: ctgolfer
Views: 124 Replies: 0 Innovative Hybrid Grip design brings the grip closer to the material for unmatched precision and control
Powerful 3/4-in cutting stroke offers fast and controlled cutting through various materials
Variable speed trigger gives the ultimate control (0 - 2,800 SPM)
Precision during curved cutting tasks is provided with the low center of gravity grip
Quick tool setting changes with Quik-Lok T-Shank blade camp and tool-free bevel adjustments
45 degree bevel capacity with positive 90 Degree lock
Counterbalance mechanism minimizes vibration
Integrated LED light illuminates work surface for better visibility
Fuel gauge displays remaining battery run-time and alerts user if battery is low
Compact and lightweight design (3.8 lbs) provides ergonomic and comfortable use

www.dailysteals.com/#deals/27904
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g: 0 Posted By: MISTERCHEAP
Views: 49 Replies: 0 www.kohls.com

30% off code BEACH30 valid 7/11-20

Earn $10/50 Kohls Cash 7/11-16

REDEEM 7/17-27

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g: 0 Posted By: jskins
Views: 211 Replies: 0 Fergalicious Women's Embody Taupe Ankle Boots - $18.00 with coupon code FLAG10 + $4.50 Shipping at FamousFootwear.com

Faux leather upper in a casual ankle boot style with a round toe
Side zip closer
Stud and stitching accents at heel
Additional side zip is non-functional
Textile lining, lightly cushioning footbed
5-in. shaft height, 10-in. circumference
Traction outsole
1-in. heel


These boots are going for $79.99 elsewhere.
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Guns - 2.5 Inch AR500 Steel Targets $24.99 + $10 Flat shipping
Added on : Sunday July 06th 2014 05:00:02 AM
g: 0 Posted By: tedhawkins
Views: 107 Replies: 0 Guns - 2.5 Inch AR500 Steel Targets $24.99 + $10 Flat shipping

http://www.gearhog.com/

Deal Overview
These durable steel shooting targets are made from 1/4-inch AR 500 steel metal plates and are designed to accommodate several different calibers.

- A .22 will "walk" the Target around the range while handguns will make the steel targets jump.

- If shooters are shooting anything larger, they will want to look at our larger steel targets.

- These walking targets provide a great challenge for both amateurs and advanced shooters.

- This AR 500 steel Target is great for closer range Target practice with handguns or smaller rifles.
Nokia Lumia 925 - Refurbished $200 T-Mobile
Added on : Wednesday July 02nd 2014 07:00:02 PM
g: 0 Posted By: healthylaugh
Views: 45 Replies: 0 Nokia Lumia 925 - Refurbished $200 T-MobileThis has gone front page for this price in the recent past:

http://www.t-mobile.com/cell-phon...ished.html

Features
Lumia 925 - Refurbished
8.7MP Carl Zeiss camera

Large 4.5" HD+ display

LTE Capable

Windows Phone 8
Meet the new Windows Phone. The only phone with Live Tiles, designed to keep you closer to what matters most. Its the smartphone reinvented around you. Meet yours.

Wi-Fi & Mobile Calling
Call normally, or use Wi-Fi when you don't have cellular reception.

Touch Screen with On-Screen Keyboard
Everything your device can do is now literally at your fingertips. A high resolution touch screen gives you fast and fun access to your device's display.

T-Mobile TV
Watch live TV, news, sports, and kids shows, and stream popular entertainment on demand with T-Mobile TV.

Preloaded Apps
Start enjoying preloaded apps the moment you turn on your phone.

Music player
Play your favorite music wherever you are.

LED Camera Flash
A built-in LED flash gives you a brighter light source for taking photos in less-than-ideal lighting situations.

Front-facing Camera

E-mail
Send and receive e-mail messages on your phone.

Dual-core 1.5 GHz Processor
A lightning-fast dual-core 1.5 GHz processor delivers the speed you want, so you can experience powerful entertainment and more right on your device.

Bluetooth connectivity
Wirelessly connect your device to optional compatible hands-free accessories such as headsets and car kits.

4.5 Multi-touch Screen

3.5mm Audio Jack
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1 GB RAM
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16GB Built-in Memory
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HD Voice
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g: 0 Posted By: MISTERCHEAP
Views: 169 Replies: 0 www.kohls.com w/kohl charge

runs 6-20 to 29

GREAT30 is code

Earn $10 on $50spend K. cash full period

redeem 6/30 to 7/9

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g: 0 Posted By: tedhawkins
Views: 97 Replies: 0 Brooks Infiniti Notch II Running Shorts (Men's) $29.99 + $4.99 Flat shipping 98main

http://www.98main.com/



The Brooks Infiniti Notch II Running Shorts have an inner boxer-brief for comfort on the inside, with the look of a regular, relaxed-fit running short on the outside. The fabric is breathable and light to keep you cool while you work out. It also stretches so you can move comfortable without feeling restricted. Two rear pockets hold gels or other snacks, and an inner drawstring ensures you get the perfect fit every time.

100% nylon ripstop outer material
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Semi-fitted cut is closer, but not tight
Breathable and moisture-wicking to keep you comfortable
Stretch fabric for freedom of movement
Two rear pockets hold gels or other snacks
Elastic waist with drawstring for the perfect fit
3M Scotchlite reflective material for improved visibility
5" outer inseam / 4.5" liner inseam


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Peak Garage Parking Sensor FAR at TrueValue
Added on : Friday June 13th 2014 01:00:02 PM
g: 0 Posted By: remick
Views: 89 Replies: 0 http://www.truevalue.com/catalog/product.jsp?productId=56417

FREE Ship-to-Store Available

3-color garage parking sensor let's you move your car into the ideal parking position each time you park. Changes color as you get closer to sensor. 3 simple steps to safer parking. Easy to use & easy to install.
Limit 2 items per mail-in rebate

Rebate form
http://www.truevalue.com/assets/images/cms/pdf/6-14-peak-rebate2...
Boppy Pillow & Slipcover - 4 Choices $22.99 @ Woot
Added on : Wednesday June 11th 2014 08:00:04 PM
g: 0 Posted By: ctgolfer
Views: 131 Replies: 0 shipping adds $5

Recommended Ages: Newborn to 1 Year

Each Standard Boppy comes with the naked pillow and the removable cover
The Boppy Feeding and Infant Support Pillow is a must-have, designed to give you and baby the support you need throughout the first year
Lifts baby to a more ergonomic position for comfortable feedings, then transitions to the perfect spot for propping, tummy time and learning to sit
Feeding: In an ergonomic study, results showed that the Boppy feeding and support pillow places you in a more comfortable, ergonomic position to help relieve stress on your back, neck and shoulders. Whether you choose to nurse or bottle feed, the Boppy pillow brings you closer to baby, creating a stronger bond.
Lounging: Baby can lounge and relax while safely propped up to check out her surroundings. And mom's hands are free to take more photos
Playing: The only pillow that goes from yummy time to tummy time. This essential pillow provides the support your baby needs to build upper body strength during tummy time. Pediatricians recommend 30 minutes of daily supervised tummy time.
Sitting: As baby's trunk muscles get stronger, the Boppy pillow offers the perfect little nest to support sitting. Before long, babe will be sitting like a pro.
Slipcovers that zip on and off easily for machine washing

http://kids.woot.com/offers/boppy-pillow-slipcover-4-choices
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g: 0 Posted By: remick
Views: 106 Replies: 0 http://www.amazon.com/gp/product/B00AKBIJ16
4.7 out of 5 stars (21 customer reviews)

Using Photoshop, Photomatix and Topaz Adjust, Blake Rudis, creator of the award winning blog Everyday HDR, walks you through the wonderful world of High Dynamic Range photography. There are many methods that are discussed in Exploring HDR from the typical multiple exposure tone mapped HDR image to the single Raw file technique. Blake gives away many of his secrets in this book with 6 different HDR techniques, 9 HDR post processing techniques, over 130 detailed pictures, and bonus content in every Chapter.

Blake knows the importance of post processing your HDR images and has included several detailed post processing techniques. These techniques include adding depth to your tone mapped photo, combating chromatic aberrations, HDR specific noise reduction and so much more! If you are looking for a highly detailed, tutorial based HDR book, Exploring HDR is the one for you!

Key Highlights of Exploring HDR:

*Designed for Beginner to Advanced skill levels
*Bonus Content in every chapter
*Downloadable files to follow along with the tutorials on select Chapters
*Step by step tutorials to help you better your HDR photography



The DSLR Survival Guide: A Beginner's Guide to Surviving Digital SLR Photography
http://www.amazon.com/DSLR-Survival-Guide-Beginners-Photography-...
Did you recently buy a new DSLR camera, but have no clue how to use it?
Have you owned a DSLR camera for quite some time and still find yourself shooting in Auto Mode?
Do you find yourself scratching your head at all of the terms in your Owner's Manual?
If you answered yes to any of these questions, the DSLR Survival Guide is the beginner's book for you. Blake discusses everything DSLR related to help you breakdown that awful communication barrier between you and the language of your DSLR camera. Follow along with the information in this guide and you will be producing better photographs in no time! For less than the cost of a fast food meal you can be learning about your DSLR camera!

Photo Composition
Aperture
Shutter Speed
ISO
Camera Modes
Image File Formats (RAW, JPEG)
Lighting and Light Sources
Lenses and Lens Selection


A Beginners Guide To DSLR Photography - How To Create Stunning Digital Photography Like A Pro
http://www.amazon.com/Beginners-Guide-DSLR-Photography-Stunning-...

So you just got that new DSLR camera or you are planning on getting one shortly. Maybe photography has always been a small passion of yours and you finally want to take the leap and start taking amazing photographs using a DSLR camera. Where do you even begin when you get one? What are the basics you should know before you attempt to get started? Taking one peak at the owners manual might get your head to start spinning.

Dont worry because we have you covered. We will cover important things like exposure, flash, shutter speed, and aperture to name a few. We will also give you great tips and guidance and even debunk some common photography myths. We will also cover some important questions to ask yourself while you are shooting that will help you start to think like a professional photographer. You are one your way to starting a new hobby that is very exciting and rewarding. We want you to be able to feel comfortable and confident with your DSLR camera so step inside this guide to get started today!



Photo Mastery - Shadows, Form And Texture
http://www.amazon.com/Photo-Mastery-Shadows-Texture-Training-ebo...

Although photography is all about light...it's actually the shadows that define form and textures!

When you get tired of flat, boring, 2d photos and want to have lifelike images that pop off the page, this Volume of the "On Target Photo Training" course is the answer!

Here is a copy of the table of contents to show a little of what is covered...

Introduction
Light Makes Shadow
Color Temperature - Kelvin Scale
Light Meters
Reflected Light Meter
Problems With Reflected Light
Incident Light Meter
Ambient Light
Ambient Light Qualities
Shadows From Hard Ambient Light
Soft Ambient Light Shadows
The Main/Key Light
Planning The Shadow
Squinting
Raccoon Eyes
Do You HATE Those Pesky Shadows?
Shadows Define Form And Texture
The Fill Light
Learning Photography Lighting Techniques!
Photo Exercise
Photo Exercise 2
Fixing Problem Areas
Shadow Lighting Patterns
Split Light
Loop Light
Butterfly Light
Texture Requires Shadow!
Glare
Photo Exercise 3
Additional Photo Training

We spend a lot of time discussing light and various qualities of light - to get a better understanding of shadows!

Ambient Light: This is the light we will be using the most. Here we thoroughly cover what is is and how to work with it! Once we know how to control the light, we can control the shadows that define our shapes and textures.

The Main/Key Light: Before you can learn to master the shadows, you need to understand the light that is making them! Each light source whether it is ambient light or studio light (or both) creates it's own set of shadows. And it's own set of problems and opportunities!

Shadows: The shape, position and depth of the shadows - and your mastery of them - is what will turn your photos from dull lifeless "pictures" into something you will be proud to not only put on the wall...but you will be proud to sign them too!

The Fill Light: Here is the key to controlling the depth of your shadows and bringing emotion into your art.

Fixing Problem Areas With (Or Without) Shadows: Every face and every scene has flaws that you can "fix" in your camera. Every subject you shoot wants and deserves to look like a million bucks! It's your job as a photographer to make that happen.

Glare: Glare in glasses can easily ruin a photo. Plus it's incredibly difficult to "fix" in Photoshop. Fixing it in camera is really easy once you know how.

You are closer than you think to creating truly amazing photographs that will be the envy of your friends and family!



11 Things Every Photographer Should Know About HDR Photography
http://www.amazon.com/gp/product/B00EJZD9BE/

HDR photography can be pretty complicated and if you go into it without knowing what you are doing, you are in for some trouble! "11 Things Every Photographer Should Know About HDR Photography" is something every photographer should read prior to jumping into the world of HDR photography. Blake Rudis has been teaching HDR photography techniques for over 3 years and knows how to make HDR images that pop off the page!

What you will receive from reading "11 Things..." :

- A better understanding of the HDR process and how to create an HDR image using several different techniques.
- A considerable amount of knowledge about file formats used during the HDR process.
- A plethora of examples as to what you should and should not be HDR'ing!
- A worthy understanding of HDR tone mapping software and how to use it to make better HDR images through the bonus content provided.
- A guide to post processing HDR images that outlines what to look out for after the image has been tone mapped to make it look its absolute best!


Books & Magazines Deals
Panasonic Smart Network Streaming Player $9.99 + shipping @ Sears
Added on : Sunday June 08th 2014 10:00:04 PM
g: 0 Posted By: ctgolfer
Views: 147 Replies: 0 The Panasonic DMP-MST60 Streaming Media Player slim and stylish body is packed with high performance. Simple yet advanced, the DMP-MST60 is designed to match virtually any room interior. Now you can stream movies, TV shows, music, videos, photos, and more from your Android 4.2-or higher-enabled mobile device directly to your TV. Panasonic's new DMP-MST60 media streaming player is equipped with Miracast, which makes it possible to play mobile content on the big screen. No more crowding a tiny phone to share your favorite content, Miracast makes exploring and enjoying the Internet - including popular streaming apps - easy and fun.
Miracast
With Miracast, you can stream content from your smart phone or tablet directly to your big screen TV, so it's easier than ever to share and enjoy with family and friends. No more crowding around a tiny screen to watch your favorite content. Videos, music, games and more can be displayed quickly and easily on your TV.

Web Browser
With the built-in Web Browser, all the online sites that you usually visit on your PC, smartphone or tablet can be displayed on your large-screen TV. It makes surfing the web more fun, more social and more sharable a great way to bring friends and family closer together.

VIERA Connect
VIERA Connect brings the best web entertainment directly to your living room. From sports and video-on-demand, to Skype, online gaming, movies and more, VIERA Connect now gives you even more App and content options. It makes the online experience bigger, bolder, and more exciting than ever before.

Built-in Wi-Fi
The DMP-MST60 makes streaming content easy with Built-in Wi-Fi capability. Enjoy your favorite online content with apps like VIERA Connect and BD-Live, without having to connect the media player to the internet via LAN cables or wireless adaptors.

2D-3D Conversion
Your video content will never be the same. Because 2D-3D Conversion allows you to watch your favorite 2D content in dazzling 3D, thanks to a digital conversion process that adds vivid depth and stunning texture.

DLNA Functionality
As a DLNA-certified device, the Panasonic DMP-MST60 integrates with your home network for quick and easy access to your digital media. Access all your digital photos (JPEG), music (MP3, WMA) and videos (AVCHD, WMV) stored on your DNLA-certified PC or network drive from any room in your house! No more loading discs, or connecting cables. Everything streams seamlessly and wirelessly.

Energy Star Qualified
At Panasonic, we're committed to minimizing our impact on the environment. Our 2013 video products are more compact and streamlined than previous models, saving on the amount of materials required for the products and their packaging. We've also significantly reduced power consumption, earning Energy Star Qualification for all models in the line.

www.sears.com/shc/s/p_10153_12605_05729469000P
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g: 0 Posted By: Xenocrates
Views: 123 Replies: 0 Nike Women'sFree TR Fit 3 Athletic Training Shoes( Black/Pink or Purple/Red)(Sizes 11-15)- $19.99 FS @6PM

The upper is made of thin, lightweight mesh with minimal seams to enhance multidirectional flexibility for natural range of motion.
Breathable foam in the upper and internal support straps in the lateral forefoot and medial arch offer training-specific support.
Fabric lining and a removable EVA insole offers excellent internal comfort.
The new comfort tongue lays flat on top of the foot and uses layers of sandwich mesh to help reduce lace pressure for a comfortable fit.
Heel pocket accommodates a variety of heel shapes for a comfortable fit.
Raised foam in the arch adds even more support where you need it.
Training-specific traction pattern for multidirectional movement.
The low-profile design lets you feel closer to the ground, with a Phylite midsole that provides lightweight cushioning and enough durability to double as an outsoledramatically reducing the overall weight.
Rubber pods at the heel and forefoot for durability.
Deep flex grooves promote natural movement for a more barefoot-like feel.

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6PM Coupons
g: 0 Posted By: remick
Views: 205 Replies: 0 http://www.amazon.com/dp/B00E0TND74

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



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

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



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

Nominated for a 2013 Spinetingler Magazine Best Novel Award

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



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

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



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

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



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

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



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

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

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Panasonic Streaming Media Player $20 + free shipping via SYWM
Added on : Friday May 30th 2014 02:00:02 AM
g: 0 Posted By: Atariman56
Views: 147 Replies: 1 Panasonic Streaming Media Player $20 + free shipping via SYWM

Link......http://www.sears.com/shc/s/p_10153_12605_05729469000P?sid=I00844...

The Panasonic DMP-MST60 Streaming Media Player slim and stylish body is packed with high performance. Simple yet advanced, the DMP-MST60 is designed to match virtually any room interior. Now you can stream movies, TV shows, music, videos, photos, and more from your Android 4.2-or higher-enabled mobile device directly to your TV. Panasonic's new DMP-MST60 media streaming player is equipped with Miracast, which makes it possible to play mobile content on the big screen. No more crowding a tiny phone to share your favorite content, Miracast makes exploring and enjoying the Internet - including popular streaming apps - easy and fun.Miracast

With Miracast, you can stream content from your smart phone or tablet directly to your big screen TV, so it's easier than ever to share and enjoy with family and friends. No more crowding around a tiny screen to watch your favorite content. Videos, music, games and more can be displayed quickly and easily on your TV.Web Browser

With the built-in Web Browser, all the online sites that you usually visit on your PC, smartphone or tablet can be displayed on your large-screen TV. It makes surfing the web more fun, more social and more sharable a great way to bring friends and family closer together.VIERA Connect

VIERA Connect brings the best web entertainment directly to your living room. From sports and video-on-demand, to Skype, online gaming, movies and more, VIERA Connect now gives you even more App and content options. It makes the online experience bigger, bolder, and more exciting than ever before.Built-in Wi-Fi
The DMP-MST60 makes streaming content easy with Built-in Wi-Fi capability. Enjoy your favorite online content with apps like VIERA Connect and BD-Live, without having to connect the media player to the internet via LAN cables or wireless adaptors.2D-3D Conversion

Your video content will never be the same. Because 2D-3D Conversion allows you to watch your favorite 2D content in dazzling 3D, thanks to a digital conversion process that adds vivid depth and stunning texture.DLNA Functionality
As a DLNA-certified device, the Panasonic DMP-MST60 integrates with your home network for quick and easy access to your digital media. Access all your digital photos (JPEG), music (MP3, WMA) and videos (AVCHD, WMV) stored on your DNLA-certified PC or network drive from any room in your house! No more loading discs, or connecting cables. Everything streams seamlessly and wirelessly.
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g: 0 Posted By: ctgolfer
Views: 150 Replies: 0 Quick Glance Notifications Receive notifications on your wrist with Galaxy Gear. Stay in the moment by keeping your phone out of sight, without missing important calls, texts, events, and more.
Smart Relay for Even Faster Access to Notifications When a notification requires a closer look, the second you pick up your Galaxy phone, the Smart Relay feature automatically opens up that app to the exact message you're seeing on your wrist.
Hands-Free Calls Making calls on the move has never been easier. Now you can place calls and answer them directly from your Galaxy Gear. Galaxy Gear includes 2 built-in noise-canceling microphones and a built-in speaker for hands-free chatting.
S Voice Use simple voice commands to place calls, compose messages, schedule an event, check the weather, and more! With access to Samsung's robust S Voice feature right from Galaxy Gear, you'll enjoy hands-free convenience.
Find My Device Never lose track of your phone again. Now, if your phone gets stuck in the couch cushions, use Galaxy Gear to remotely activate sounds or vibrations for easy location. You can also use your phone to help you find the Galaxy Gear.
Auto Lock/Unlock Senses when you've walked more than 5 feet away from your Galaxy phone and automatically secures your device. When you return, Gear tells your phone that it's you and automatically unlocks no PIN or thumbprint required.
Brilliant Display Samsung Galaxy Gear's 1.6" Super AMOLED touchscreen has more pixels than most smartphones, which means you can read crisp text and enjoy vivid images right from your wrist.
The Companion With Style Galaxy Gear is the companion device designed to make life easier without cramping your style. Its sleek design, durable body and range of colors mean you can wear it anywhere and everywhere.
Personal Touch Use the Gear Manager app on your Galaxy phone to totally customize your experience. Change your Gear settings, customize and add new watch faces, enable or disable features, organize your apps and more.
Capture the moment right from your wrist. Don't miss the action pulling out your phone. With a 1.9 MP auto-focus camera embedded in the strap, snap pictures and even capture videos quickly and easily right from Gear.
Built-In Pedometer Galaxy Gear makes it easier to get in shape. Keep track of your walking and running distance with its built-in pedometer. And with S Health, you can monitor and achieve your fitness goals right from your wrist.
Music Player Whether Samsung Galaxy phone is in your pocket or plugged into a dock, you can seamlessly turn up the volume and change songs in an instant. Now that sounds good.

www.ebay.com/itm/191185255867

or

www.ebay.com/itm/201094256503
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g: 0 Posted By: ctgolfer
Views: 71 Replies: 0 FEATURES

Canon EOS Rebel T3i Digital SLR Camera with 1855mm Lens - Black: EF-S 1855mm f/3.55.6 image-stabilized zoom lens included; 18.0-megapixel CMOS sensor delivers vividly detailed high-resolution images
Lowepro Format 160 Camera Bag - Black: polyester and nylon materials; streamlined design; detachable shoulder strap
LensPen Lens Cleaning Pen: removes fingerprints and dust; carbon compound cleaning tip; retractable brush; compact design
SanDisk Pixtor 16GB Secure Digital High Capacity (SDHC) Class 10 Memory Card
Canon EF 75300mm f/45.6 III Telephoto Zoom Lens - Black: telephoto zoom lens gets you closer to your subject; 75300mm focal length; f/45.6 maximum aperture; front-focusing design

www.bestbuy.com/site/canon-eos-rebel-t3i-dslr-camera-with-18-55m...
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Rebuilding credit Query
Added on : Thursday May 22nd 2014 08:00:06 PM
g: 0 Posted By: southpaw0
Views: 53 Replies: 0 I am trying to rebuild my credit. Last 8/13, I managed to get a secured credit card with Wells Fargo, also my bank, for $500. I have been paying it off in full each month. As it gets closer to the one year mark, am trying to figure out what my next steps should be to further improve my credit history. Should I apply for another credit card, or should I ask for an increase with the existing card, or just just ask them to make existing card unsecured? Please share your thoughts.
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Easy Short Cut to Starwood SPG Platinum Elite Status
Added on : Tuesday May 20th 2014 06:00:04 PM
g: 0 Posted By: herzog
Views: 153 Replies: 0 copied from therewardboss.com

Want a short cut to get Starwood Platinum Status?
It takes 25 stays or 50 nights to earn Starwood SPG Platinum Status, which I think is the most rewarding Hotel status. This is not easy for the average person to attain but here is a short cut:

If you link a Starwood Amex credit card to your SPG account, you get 2 stays / 5 nights credit towards elite status and if you have both the personal and the business card you will get double that: 4 stays / 10 nights. Thats supposed to be the maximum allowed, but if you add a few more cards, you will get 2 stays / 5 nights for each card, so it is possible to earn Platinum status with just a few stays if you link a bunch of cards linked to your account.

Testing it out
Ive been testing out to be sure it works. I had both the business and personal cards so I expected to be credited 4 stays / 10 nights as they did last year. Instead I noticed there were way more stays/nights in my account 8 stays / 20 nights and that was because I had 4 accounts linked (my two plus two family members). As another test, I had another family member put my SPG # on their account and sure enough, I received another 2 stay / 5 nights shortly after. Im not sure what the maximum is here, but Im now 10 stays / 25 nights closer to Platinum half way if I qualify by nights. A friend has confirmed the same results and it seems it works if you link your friends accounts. In prior years I had more than 2 cards linked and it always maxed me out at 4 stays / 10 nights.

Will it last?
Im not sure. If its a bug and they fix it I will need more nights to requalify for Platinum again this year.



How To Sign Up
American Express is currently offering 25,000 SPG points to sign up which is pretty good (they do offer 30k -[click link to see previous offer] sometimes, but who knows when it will happen again). I dont get any commission if you sign up here are 3 ways to sign up.

1) Direct Links to Sign up:

SPG Amex Business credit card: 25k Bonus after spending $5k in 6 months, $65 annual fee waived first year
SPG Amex Personal credit card: 25k Bonus after spending $5k in 6 months, $65 annual fee waived first year

2) If you want to support me, I can refer you and I will get 5k points. I know its a bit more work (I do appreciate it) but will understand if you prefer the easier method #1 or #3. Email me your first/last name, email address (click here to send me an email), and if you want the business or personal card. You can also refer yourself or a family member for an additional card by clicking here and get the 5k referral point bonus yourself.

3) If you want to support your favorite blogger, apply for a card using one of their links. Heres a couple to check out ViewFromTheWing, OneMileAtATime, MommyPoints, MightyTravels (it seems none of them are getting any commission at this time).


It will help you re-qualify if you are short a few nights
If you think you may fall short of re-qualifying for Platinum this year or if you would like to attain Platinum status, signing up for these cards will help. Unless you are currently working towards a minimum spend requirement to get a sign up bonus, this is my favorite card to use to because the SPG points are very valuable.



Are you I eligible for the sign up bonus if I had the card in the past?
Not too long ago, there were many posts stating that American Express will no longer allow repeat bonuses. That means you can only get one bonus per card per person per lifetime for new accounts starting May 1, 2014. See the posts here: FrequentMiler, Milepoint, and Flyertalk, beginning May 1, 2014. As far as I can tell, the terms and conditions on the application doesnt include this language and say you are not eligible if you had the card in the past 12 months. To me that means the new rules have not gone into effect.

How to get more stays towards elite status
Dont forget that award stays also count towards elite credit and that members are allowed to receive credits for up to 3 rooms per stay (for example: you plus 2 more rooms for friend). I know some people do mattress runs at your closest Category 2 hotel which costs a only 3,000pts per room per weekend night (Saturday and Sunday). Obtaining / re-qualifying for Platinum status this year means you will retain status for all of 2014 and 2015, with the expiration Feb 28, 2016! Personally, I prefer to re-qualify hitting 50 nights instead of 25 stays with the main advantage that Plat50s receive 10 suite night awards (SNAs). Platinum members qualifying with 25 stays, you are at the mercy of the check in agent for suite upgrades (but I often get upgrades anyway at most Starwood hotels). For Plat50s that would like a confirmed suite and apply SNAs to the reservation, the system begins checking for suite availability 5 days prior to check-in. If the standard suite is available, its yours and confirmed via email! A friend has successfully redeemed 28 out of 30 SNAs mostly great redemptions such as (click the link to see the property and suites):

the Fantastic Suite at W Guanzhou,
the Executive Suite at the Westin Guanzhou,
the Pualani Suite at Sheraton Waikiki,
the Deluxe Suite at the Equinox hotel Chares Orvis Inn, and
the One Bedroom Suite at Le Westin Tremblan
Here is the full SPG Platinum Member Guide
Credit Deals
g: 0 Posted By: ctgolfer
Views: 51 Replies: 0 Combines the convenience of an electric razor with the closeness of a traditional shave
Gives you a closer, safer, faster and smoother shave than any other razor
Features nine rotating blades at 30 revolutions per second
Patented spiral windings eliminate irritation
Patented safety guards protect your skin from each blade stroke, ensuring fewer nicks and cuts
Electric wet shave
Dual speed for light or heavy hair
Low-battery indicator
Rechargeable
Fully charged in 1 hour
Automatic-switching charger (100-240 volts) for worldwide use
Brand: Emjoi
Model: 4-00168-02
Condition: New
Warranty: 90 Day
Packaging: Retail

http://1sale.com/electronics/other/4-00168-02/
Hair & Skincare Deals
Lorex Care 'n Share Monitor with Extra Camera $129.99 @ Woot
Added on : Thursday May 15th 2014 08:00:01 PM
g: 0 Posted By: ctgolfer
Views: 104 Replies: 0 shipping adds $5

This bundle includes a second fixed camera, for watching over multiple children, better viewing angles, or seeing into other rooms

A wide, 3.5" portable viewing screen delivers real-time video coverage of your loved one when you're apart
Supports pan, tilt & zoom cameras with motion tracking using your handheld video monitor. So you can the camera can follow your child automatically
Crystal clear night vision with the clearest black and white picture to see every little move they make, even when it's lights out
Snap & Share technology so with the click of a button, you can remotely capture still photographs of your sleeping beauty
Screenshots saved to the camera's micro SD card (sold separately) can be sent to family members and friends or uploaded to your favorite social networks
Digital zoom for a closer look
Click off the video feed and turn your unit into an audio monitor whenever you wish to extend the battery life
Two-way talk will allow you to sing your baby to sleep using the monitor's high-sensitivity microphone
Keep track of your angel's sleeping conditions with a quick summary of temperature changes in the nursery
Camera Features:

This bundle includes a second camera
Accommodates up to 4 cameras for your tots, toddlers and tweens
Four room viewing with the purchase of additional cameras, parents can monitor up to four distinct spaces simultaneously
Classic pre-set lullabies will rock your baby to sleep in no time
Camera has a built-in nightlight to softly illuminate the room and help your baby relax
Crisp sound so you won't miss a beat when you can tune in to every baby breath
450 ft outdoor wireless range
150 ft indoor wireless range
As your family grows, add three additional wireless cameras and keep an eye on everyone
Rechargeable battery with up to 8 hours of life

http://kids.woot.com/offers/lorex-care-n-share-monitor-bundle-1
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How to find good real estate attorney quick / semi FSBO
Added on : Tuesday May 13th 2014 05:00:09 PM
g: 0 Posted By: GermanExpat
Views: 75 Replies: 1 I have a question around selling our house. We are getting our house ready to sell and had picked a Realtor that we were ready to sign a contract with some time later in the week or next week. There were still some small things to be done to get the house ready (some tiles to be replaced, get the clutter out etc.).

By chance we found a letter in our mailbox from somebody asking if they can look at the house. They did hear from a friend living in our extended neighborhood that probably knew from our neighbors that we are getting ready to sell.

We called the number on the letter and talked to the family and they did tour the house today for an extended time (with me partially present at the beginning). I just got a call that they are interested in the house and would like to know our price. They do know we don't have a realtor yet and are willing to deal without a realtor and just use real estate attorneys. Ok now making a long story short I have to get back to them with our price and will give them a discount on our price based on not involving a realtor.

But now we are a bit unprepared to go through with a (semi) FSBO but for sure a realtor is not worth the 50k+ commission on our house just for holding our hands. I am trying to get a crash course now how to sell myself. So here are my questions and please add anything I might have missed:

- get a real estate attorney asap, how do I go finding a good one?
- ask the seller to send an offer in with earnest money attached to it (I assume our real estate attorney could hold it in a trust account?)
- find a title company for the closing (I assume this has some time or should I just ask the real estate attorney after finding one). It is Colorado and from what I understand in most cases the seller picks the title company albeit the buyer can select one as well.

I assume my biggest issue is finding a real estate attorney right away and have them check out the offer. The potential buyer stated he has a relative (uncle) in his current state he can use to draft the offer. So how do I go to find a good real estate attorney within a day?

Anything else I should consider?

Also on a side note the realtor did have a 1 week limited agreement. We already had a letter in the mailbox 2 weeks ago and asked him to follow up and signed a limited agreement with him for a couple days to show the house to this potential buyer and 2 of his agent friends had candidates that wanted to see the house as well. One buyer made a lowish offer and we did not accept it and our verbal counter was too high for them. The realtor was kind of pushy to talk us down price wise (ok, no surprise here). They then decided to wait for us to put the house on the market probably hoping it gets closer to their Target price. I don't feel we owe our realtor anything because he didn't have to do any work yet (no MLS listing, no adds etc.) and the limited agreement expired anyway. We are not in a hot area of the country, sales are doing reasonable well and not a huge inventory of houses comparable to ours (and they seem to sell much quicker then last year in our price range). But we were still a bit puzzled to have people show up before we even are ready to sell it. The realtor also kind of tried to low ball our house based on he didn't like our style (our house is quite contemporary and he has a more traditional style preference) and probably also to make it sell quicker (he did use some debatable comps and focused on per square foot price but we have e.g. a lot premium because of the lot location).
g: 1 Posted By: Virgil27
Views: 185 Replies: 0 Ozark Trail Weatherbuster 9-Person Dome Tent - $89.00 w/ FS @ Walmart

WalMart has this Ozark Trail 9-Person Dome Tent for $89.00 with free shipping. Amazon has this product currently going for $120(though camelcamelcamel puts the average price closer to $104). Either way, that's at least $15 off.
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Used Car Bargain
Added on : Monday May 12th 2014 03:00:08 PM
g: 0 Posted By: TheThinker
Views: 74 Replies: 1 4 years ago, I purchased my first car. I had very little money. Based on the advice I got here at Fatwallet, I bought a car with a GM 3800 V6 engine. I was told these are some of the most reliable engines ever made. For $3,000 I got a 1999 Buick Regal GS. Sure, it is known as a granny car and I was in my 20s, but it had only 80k miles, a solid GM 3800 V6, leather seats, and no problems, clean carfax and title. I sold it about 8 months ago after going overseas for several months. Now I am back and find myself in the same position, needing a cheap but reliable car.
Please help with some good advice. Important points:

1. I would like a different car brand for a change, not another Buick
2. My absolute top price is $5.5k, I hope I spend closer to 4k
3. Important point: I only drive 4k miles a year. Yes, you read that correctly. I have a really short commute... the car is mainly for errands,road trips, and going to the beach or movies. In 3.5 years of ownership I drove a total of 11k miles

I do not want zipcar or rental, I want my own car. How can I get a bargain, under $5k? I only intend on owning it for maybe 3 years and driving 12k miles tops.but I dont want something that breaks down or needs a new transmission.

I found a decent Camry, but the seats and floor are very stained. These are old stains so I'm not sure if getting the car detailed would solve that problem. Idon't need a super clean car but I dont want a car that looks filthy with coffee and soda stains in the interior.

By the way, Craigslist is a nightmare. I have called 12 people... they either do not have the title in their name, refuse to give me the VIN, admit there was an accident, or tell me the car is perfect condition when I can clearly see damage under the hood. Apparently it is quite hard to find a decentcar on CL with a clean title, no accidents, no noticeable large dents, and no ridiculously high price. Then there are CL people who are very rude and get offended when I askwhy they are selling the car and if the title is in their name. Please help, thanks.

Mandatory note: I'm sorry but no trucks, no minivan, no convertable, and no Crown Vic. I want a sedan or coupe, or a SUV that isnt huge.Crown Vic is not for me.
g: 0 Posted By: dxulab
Views: 167 Replies: 5 I made an all cash offer on a $240k new construction home to be built. In the builder's counter offer, he wants $3k earnest money deposit to be released to him 15 days after the contract is executed and an additional $9k non-refundable deposit directly to him after final plans are signed. I see this risk on my end, but don't want to back out of the deal yet. What can I write in my counter offer to move things closer to a final agreement and minimize my risks at the same time?
Thanks!
g: 0 Posted By: subieaggie
Views: 43 Replies: 1 Long story short, I quit my old job and moved out of state to be closer to family. Found a new job on contract that gives me a W2 but I don't think I am eligible for their 401k plan. I am getting married this year and our combined income makes us ineligible to contribute to traditional IRA for tax deduction purposes. Am I SOL on tax-deferred retirement contributions? Had I known this would happen, I would've maxed out the 401k contribution at my old job.
g: 0 Posted By: ctgolfer
Views: 204 Replies: 0 Package includes digital SLR camera with included 1855mm lens for incredibly sharp, long-exposure shots, extra 75300mm lens for capturing perfect images at various distances, free 58mm UV filter for added clarity, free protective bag and free 16GB memory card, after package savings.

FEATURES

Canon EOS Rebel T3i Digital SLR with 1855mm Lens - Black: EF-S 1855mm f/3.55.6 image-stabilized zoom lens included; 18.0-megapixel CMOS sensor delivers vividly detailed high-resolution images
Canon EF 75300mm f/45.6 III Telephoto Zoom Lens - Black: telephoto zoom lens gets you closer to your subject; 75300mm focal length; f/45.6 maximum aperture; front-focusing design
Rocketfish 58mm UV Filter: high-quality optical glass; improves image clarity
Lowepro Format 160 Camera Bag - Black: polyester and nylon materials; streamlined design; detachable shoulder strap
SanDisk Ultra Plus 16GB Secure Digital High Capacity (SDHC) Class 10 UHS-1 Memory Card

www.bestbuy.com/site/canon-eos-rebel-t3i-18-0mp-dslr-camera-with...
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A $500 Gift Card that has password protection.
Added on : Sunday April 27th 2014 06:00:12 AM
g: 0 Posted By: DogFather
Views: 38 Replies: 0 TCs (Travelers checks) are difficult at best to get cashed. They are not what
they used to be. I was thinking if a GC (Gift Card) with password protection,
would be safe. Anyone know of such a GC. TD Waterhouse has one, but
only for customers. So, I would have to open an account. MasterCard has
them, but only up to $100. So, if you pay $4 plus tax, that is a 4% loss up
front. I wouldlike to be able to buy $500worth at least. Cost is then closer
to 1%.

My bank does not sell GCs....period. When done with a trip, you can't deposit
money back into an account. But, you could spend it on other things. Anyone
know of such a GC, that anyone can buy. I would
CVS Fiber Supplement (store brand Metamucil) 75% off (B&M)
Added on : Thursday April 24th 2014 03:00:07 PM
g: 0 Posted By: johnm4
Views: 177 Replies: 0 CVS stores has their store brand Natural Fiber Supplement (compare to Metamucil) on clearance for 75% off.

100% Natural Psyllium Husk Fiber.

Many stores only have this marked as 50% off or even 25% off, but scan at the price checker to verify it is actually 75% off. CVS appears to be reformulating their brand to be closer to the named brand Metamucil which dissolves much smoother. The current/old CVS brand is a bit grittier (I like it though).

Prices for the Sugar Free variety:
36.8 oz (180 doses) - $4.62 (Orange) Regular price $18.49
23.3 oz (114 doses) - $3.32 (Orange or Berry) Regular price $13.29

Stack with $$ off minimum purchase ($5 off $25) or $$ off CVS brand items. Coupons for stomach remedy or digestive health may work. Does not stack with percent off purchase coupons.

The variety with sugar may be slightly cheaper. Careful, the sugar free and with sugar varieties look almost exactly the same. The sugar free variety has a small yellow or blue circle on top of the orange/berries that says Sugar Free.


Bad puns:
This is bound to be the crappiest Fatwallet deal since 700 poo bags on Amazon!http://www.fullofdeals.com/forums/hot-deals/1341454/?start=0
This is probably B&M only!
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24 Free Biggest Loser Workout MP3s
Added on : Wednesday April 23rd 2014 03:00:06 PM
g: 0 Posted By: remick
Views: 151 Replies: 0 http://www.workoutmusic.com/brita.php

coupon codeFREEBL4


http://shape.workoutmusic.com/

http://subway.workoutmusic.com/
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g: 0 Posted By: atiggger
Views: 0 Replies: 0 Panasonic LUMIX DMC-TS20/DMC-FT20 TOUGH Waterproof 16.1MP Digital Camera $109.99 @ goodasnewelectronics via eBay

COLOR: orange

www.ebay.com

http://www.ebay.com/itm/Panasonic-LUMIX-DMC-TS20-DMC-FT20-TOUGH-...

FREE SHIPPINGItem specifics
Condition: Manufacturer refurbished:An item that has been professionally restored to working order by a manufacturer or=10px...Read more Brand: Panasonic Megapixels: 16.1 MP Model: DMC-TS20 / DMC-FT20 Optical Zoom: 4x MPN: DMC-TS20D Screen Size: 2.7" Type: Point & Shoot UPC: 885170069930
Detailed item info
Product Information The Panasonic LUMIX TS20 is a 16.1 MP digital camera with a 25 mm wide-angle lens that proves beneficial in capturing vast landscapes or crowds even from a short distance. With a 4x optical zoom, the Panasonic LUMIX TS20 brings distant objects four times closer without losing out on the sharpness. This Panasonic digital camera also records high-definition 720p videos in MP4 format at a 30 fps rate to deliver a true-to-life footage. The optical image stabilizer in the Panasonic LUMIX TS20 counters handshakes to rule out image blurs. This 16.1 MP digital camera features the Intelligent Auto mode, which optimally adjusts the settings to help you get the best possible results in any shooting condition. Be it in normal or zoom mode, the F3.9/F5.7 aperture helps this Panasonic digital camera capture clear images even in low-lit conditions like indoors or night time.
Product Highlights Video Product Identifiers Brand Panasonic Model DMC-TS20 / DMC-FT20 MPN DMC-TS20D UPC 885170069862, 885170069893, 885170069930 Key Features Camera Type Point & Shoot Optical Zoom 4x Digital Zoom 4x Sensor Resolution 16.1 MP Screen Size 2.7" Memory / Storage Integrated Memory size 70 MB Supported Flash Memory SD Memory Card, SDHC Memory Card, SDXC Memory Card Dimensions Depth 0.76 in. Height 2.3 in. Width 3.98 in. Weight 4.34 Oz. Display Display Type LCD Display Size 2.7" Resolution Max Video Resolution 1280 x 720








360 Degree Rotating Desktop Stand for iPad for $20 at a4c Store
Added on : Monday April 21st 2014 08:00:04 PM
g: 0 Posted By: jamescarmona
Views: 204 Replies: 2 The 360 Degree Rotating Desktop Stand allows you to mount your Apple iPad onto your desk (at home or in the office) for hands-free viewing. Using its long, flexible gooseneck, you can bring your device closer. The stand rotates 360 degrees for multiple viewing angles, and it's adjustable mounting system allows for simple one-hand docking and undocking. Keep your iPad securely in place with the durable, easy-to-use Desktop Stand for iPad.

Regular Price: $69.99
Special Price: $19.95

http://www.a4c.com/product/360-degree-rotating-desktop-stand-for...
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g: 4 Posted By: remick
Views: 278 Replies: 0 http://www.amazon.com/dp/B005S9KSE6

4.7 out of 5 stars (79 customer reviews)

Putting this powerful message into print for the first time, visionary pastor Louie Giglio and songwriter Matt Redman team up to write a heart-stirring book about the mysteries of Gods creation. Indescribable takes readers on a journey through the vastness of outer space and into the depths of the soul.

Modern science allows viewers to see farther into space than ever before, and every step draws them closer to the God who breathed each star into existence. InIndescribable, the authors intertwine devotional insights with remarkable scientific facts that awaken both mind and spirit. As Giglio and Redman write, God turnswonderers into worshipers.

Above all, Indescribable is a call to worshipan invitation to know and be known by the God of all creation and to become more passionate worshipers of Jesus Christ.

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g: 0 Posted By: ctgolfer
Views: 113 Replies: 0 Quick Glance Notifications
Receive notifications on your wrist with Galaxy Gear. Stay in the moment by keeping your phone out of sight, without missing important calls, texts, events, and more.
Smart Relay for Even Faster Access to Notifications
When a notification requires a closer look, the second you pick up your Galaxy phone, the Smart Relay feature automatically opens up that app to the exact message you're seeing on your wrist.
Hands-Free Calls
Making calls on the move has never been easier. Now you can place calls and answer them directly from your Galaxy Gear. Galaxy Gear includes 2 built-in noise-canceling microphones and a built-in speaker for hands-free chatting.
S Voice
Use simple voice commands to place calls, compose messages, schedule an event, check the weather, and more! With access to Samsung's robust S Voice feature right from Galaxy Gear, you'll enjoy hands-free convenience.
Find My Device
Never lose track of your phone again. Now, if your phone gets stuck in the couch cushions, use Galaxy Gear to remotely activate sounds or vibrations for easy location. You can also use your phone to help you find the Galaxy Gear.
Auto Lock/Unlock
Senses when you've walked more than 5 feet away from your Galaxy phone and automatically secures your device. When you return, Gear tells your phone that it's you and automatically unlocks no PIN or thumbprint required.
Brilliant Display
Samsung Galaxy Gear's 1.6" Super AMOLED touchscreen has more pixels than most smartphones, which means you can read crisp text and enjoy vivid images right from your wrist.
The Companion With Style
Galaxy Gear is the companion device designed to make life easier without cramping your style. Its sleek design, durable body and range of colors mean you can wear it anywhere and everywhere.
Personal Touch
Use the Gear Manager app on your Galaxy phone to totally customize your experience. Change your Gear settings, customize and add new watch faces, enable or disable features, organize your apps and more.
Capture the moment right from your wrist.
Don't miss the action pulling out your phone. With a 1.9 MP auto-focus camera embedded in the strap, snap pictures and even capture videos quickly and easily right from Gear.
Built-In Pedometer
Galaxy Gear makes it easier to get in shape. Keep track of your walking and running distance with its built-in pedometer. And with S Health, you can monitor and achieve your fitness goals right from your wrist.
Music Player
Whether Samsung Galaxy phone is in your pocket or plugged into a dock, you can seamlessly turn up the volume and change songs in an instant. Now that sounds good.
Galaxy Gear is currently compatible with these Samsung smartphones.
AT&T: Samsung Galaxy Note 3 (SM-N900A), Samsung Galaxy S 4 (SGH-i337), Samsung Galaxy S III (SGH-i747), Samsung Galaxy Mega (SGH-i527)
Sprint: Samsung Galaxy Note 3 (SM-N900), Samsung Galaxy S 4 (SPH-L720), Samsung Galaxy Note II (SPH-L900), Samsung Galaxy S III (SPH-L710)
T-Mobile: Samsung Galaxy Note 3 (SM-N900T), Samsung Galaxy S 4 (SGH-M919), Samsung Galaxy S III (SGH-T999/T999L)
Verizon Wireless: Samsung Galaxy Note 3 (SM-N900V), Samsung Galaxy S 4 (SCH-i545)
U.S. Cellular: Samsung Galaxy Note 3 (SM-N900RA), Samsung Galaxy S 4 (SCH-R970), Samsung Galaxy Note II (SCH-R950), Samsung Galaxy S III (SCH-R530)

www.bestbuy.com/site/samsung-galaxy-gear-smart-watch-for-select-...
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In my 20s, how diversified do you think I should be in my stocks?
Added on : Saturday April 19th 2014 06:00:05 PM
g: 0 Posted By: guy4167
Views: 0 Replies: 0 I have always been interested in the stock market and went to college for economics. I had a lot of student loan debt after graduation, which I have since paid off. I have gotten raises and a promotion since starting work and just recently started to have some true excess money to play around with. Since there's not a ton, I will just give you my entire stock history:

- Bought AMD at 5.41 (nov 2011), sold at $6.22 (feb 2012).
- Bought NVIDIA at $12 (Jan 2013), sold at $14.56 (Aug 2013) (dividend in the low 2%s)
- Bought DMND at $14.55 (Apr 2013), still hold it ($31.70)
- Bought CLI at $20.93 (Aug 2013) and $20.31 (Nov 2013). Currently at $20.28 (6% effective dividend).
- Bought CTL at $28.48 (Jan 2014), currently at $34.43 (7.5% effective dividend)
- Bought SODA at $50.52 (Dec 2013), $37.02 (Jan 2014), and $38.02 (April 2014). Currently at $39.99
- Bought VLY at $9.60 (Feb 2014), sold at $10.36 (Mar 2014)
- Bought WTW at $20.37 (Mar 2014), currently trading at $20.69 (3.6% dividend, currently suspended)
- Bought ADT at $29.21 (Mar 2014), currently trading at $30.22 (2.75% effective dividend)

Feel like I have done pretty well so far. Sodastream is the only loser out of the bunch, but I do think they have a good business and are ripe for a buy out.

Do you think I should try to diversify more? Its challenging to find stocks that are good values in today's market, but only being involved in 6 stocks is not ideal either. Obviously buying opportunities will eventually present themselves, but do you think I should make a conscious effort to diversify immediately?
New Employer Retirement Plan - Quit and Rehire?
Added on : Wednesday April 16th 2014 12:00:05 PM
g: 0 Posted By: qualation
Views: 211 Replies: 7 Long time lurker, I'm 28 year old Male, $42k W2 with 5 years at company vested in pension. Currently get 23 days of PTO a year and have 9 weeks in the bank and max out at 9.5 weeks. Employer currently pays out 100% of PTO upon termination of employment, but almost definitely will change in next 6 months as outside consulting group works with company to save money. Through FWF techniques I'm hoping to retire at 35. I'm currently maxing 403B. Employer has been giving 1-2% raise annually. Don't believe I can be promoted any higher.

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

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

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

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

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

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

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

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

Thanks for the help I've enjoyed reading this forum the past couple years.
Personal Finance Deals
Combined ARM and Fixed
Added on : Saturday April 12th 2014 08:00:06 PM
g: 0 Posted By: JDdoc
Views: 118 Replies: 0 Looking for some help / feedback / direction on whether a combination of a 30 year fixed, ARM mortgage is available from lenders.

If the loan amounts are relevant I'm looking at approximately 2.75M purchase price with 20-30% down.

My reason for asking might be relevant to many. I could probably pay off about 1M in the 3-5 year period so about 1M in the ARM would be nice to take advantage of about 2% rates for that. Even with rates coming up through 2016, I should be able to save about 50-100k by putting the 1M in an ARM

On the other hand, for the remainder (about 800-1.2M), keeping that in a fixed rate would give security in case the LIBOR comes up and the ARM rates become closer to the historic rates.

Does anyone know if any lenders out there would offer this kind of piggybacking?

Thanks!
Personal Finance Deals
g: 0 Posted By: ottawa
Views: 61 Replies: 0 Dell Venue 7" Refurbished 16GB, Black TabletItem: 1008980 Model: DEVENUE-7

7.0 inch IPS Display with HD with capacitive multi-touch
2GB Memory (DDR2)
90 day Dell warranty
Resolution: 1280 x 800
Intel Atom&trade processor Z2560 (1M Cache, up to 2.0GHz)
Android 4.2 Jelly Bean
Wireless-N
2MP Webcam (Front), 8MP Photo Camera (Back)

Daily Deal, **While supplies last. May not be valid in combination with other offers. Offer subject to change.Offer Expires on 04/18/2014$110 (reg $149); they sell the non-refurb for $179 but I note Dell sells it directly for $149.

Getting a bit dated I think, the specs are somewhat closer to the 2012 Nexus 7 than the 2013 Nexus 7, for example.

http://www.staples.com/Dell-Venue-7-inch-Refurbished-16GB-Black-...

=aw


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g: 0 Posted By: remick
Views: 160 Replies: 0 http://www.amazon.com/dp/B00HMT7IWU


Learn Killer Craps Strategy In Record Time!
So your bags are packed and you are ready to meet with all your buddies in Las Vegas, Atlantic City or any other casino you might be heading to. Maybe you are heading to sunny Florida, or the Foxwoods in Connecticut, but that really doesn't matter. What matters is that when you see your friends this year you will be a winner...

Today only, get this Amazing Amazon book for just $2.99. Regularly priced at $4.99. Read on your PC, Mac, Smart Phone, Tablet or Kindle Device.

Remember last trip when you were the biggest loser of your group of friends in Vegas? This year that won't happen. Because when you learn these proven winning strategies your Craps game will undoubtedly line your pockets and have your buddies begging you to teach them your winning ways. Picture all of your friends who made fun of you last year, begging you for the answers this year.

The purpose of this book is to help you answer the age old question of how to beat the house at their own game. So make this year the year, or even this week the week, that you go to the casino and you're the one on top.
Download these proven strategies for beating the casino in the game of Craps and you'll be truly happy you did. Just follow the simple steps and you will be on your way to high payouts.
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Still time to do a Backdoor Roth?
Added on : Friday April 11th 2014 07:00:14 AM
g: 1 Posted By: GTPaPi
Views: 87 Replies: 0 I have already contributed Max to my Roth IRA, but doing my taxes, MAGI is too high to contribute max. It is closer to contributing zero than max. I should have paid attention to it more, but had it all setup automatically. Anyhow, my question is can I still do the Backdoor Roth process. Should i file an extension to get this all done, or just pull out the contributions? Any help is appreciated. TIA.
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Assassin's Creed: Ezio Trilogy Edition (X360) - $16.99 @ Amazon
Added on : Tuesday April 08th 2014 03:00:02 PM
g: 0 Posted By: hellokitty27
Views: 76 Replies: 0 Amazon has Assassin's Creed: Ezio Trilogy Edition (X360) for $16.99 w/ free Super Saver shipping on orders $35+.

Includes:

ASSASSIN'S CREED 2: The Truth is Written in Blood: I will seek vengeance upon those who have betrayed my family, only to uncover a conspiracy bigger than I could have imagined. I am Ezio Auditore Da Firenze. I am an Assassin
ASSASSIN'S CREED: BROTHERHOOD: Be a Legend: I have always fought alone. But one man cannot defeat the entire Templar order. So I have recruited my fellow assassins. Together, we will forge The Brotherhood
ASSASSIN'S CREED: REVELATIONS: Two Assassin's. One Destiny: My blades have dispensed death and justice in equal measure. Yet I am no closer to discovering the truth behind our order. I must walk the path of my ancestor, Altair, to find my true purpose
g: 1 Posted By: patofw
Views: 186 Replies: 0 Both vary in price by about $100 every few weeks

5D $600Usually $650-ish, sometimes gets to $550

5N $450Ususally closer to $500, lowest ever is $430


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Preparing for a Honeymoon
Added on : Monday March 31st 2014 03:00:06 PM
g: 0 Posted By: midiman
Views: 187 Replies: 4 Hi all - short time reader, so somewhat of a noob, but looking for some thoughts and advice. I just picked up a Chase Sapphire thanks to this forum (thanks!).

I have a wedding coming up in August. My fiancee and I are almost complete with all of the major wedding preparations, which I've budgeted fairly thoroughly, but the one thing (BIG thing) left over is the honeymoon, which I want to be really special. I'm looking at going through a local agent - someone who was recommended via a coworker. I chatted with her today and while my budget was closer to $4,000, she's recommending a number of places that could easily climb up to $10,000. I've spent quite a bit of time looking and I easily see us needing to spend $6-8k at the least.

My thoughts are this - her sales tactics have worked and I want this to happen. However, if I were to plan on spending $10,000 right now, on top of the wedding costs and my taxes, I'd be under $10,000 in my checking account, which I would definitely not comfortable with (especially as a homeowner).

My question is - are there any ways I can break this down into payments over the next year or two? Or pay for it a bit more slowly?

Be nice - looking for some advice! Thanks.
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g: 2 Posted By: remick
Views: 230 Replies: 0 http://www.amazon.com/dp/B005OYUI3Q

4.5 out of 5 stars (31 customer reviews)

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



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

4.9 out of 5 stars (16 customer reviews)

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



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

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



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

4.7 out of 5 stars (15 customer reviews)

Dream chasing is difficult to do. Put in the responsibility of being a spouse and a parent into the mix and some days it feels pretty impossible. In this book I will talk about chasing dreams and visions for your life while you have a family. It is important to chase those things that have been put inside of you, but not at the extent of your faith walk or the health of you and your family. This book is all about laying a firm foundation. By firming up your foundation you will be able to reach your dreams quicker and it will be much more fulfilling. The great thing about Dreams That Last is it is not some theory. It is real life failures, defeats, and victory. Step into all that God has for you by chasing your dreams the right way!
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Free Ebooks 3-12-14
Added on : Wednesday March 12th 2014 04:00:09 AM
g: 0 Posted By: jhall1822
Views: 97 Replies: 0 Note: As always check the price of the books before you purchase, they do not stay free forever! I am posting any books rated 4 stars or higher from FreeEbooksToday

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

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

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

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

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

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

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

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

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

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

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

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

A serial murderer nicknamed the Blood Dahlia has been terrorizing the quiet suburbs of Pennsylvania. Brutally mutilating his victims in the fashion of the most famous murder in Hollywood, the killer leaves no trace behind.
The FBIs elite Behavioral Science Unit, the section responsible for the study and investigation of serial murder, has little evidence to go on. Believing the killer to be beyond their reach, the agents in the BSU decide they must simply wait for the killer to make a mistake until they meet Sarah King.
Sarah, a mysterious outcast of the Pennsylvania Amish community, claims she has a unique ability: she can speak to the dead. And the victims of the Blood Dahlia are calling out to her.
When the FBI enlists her help, special agent Giovanni Adami is skeptical of her abilities, but begins falling for the young woman. His feelings for her are clouded with his distrust of psychic phenomena, but as the Blood Dahlia grows in his barbarism, he knows the FBI has little choice but to explore every avenue available.
Whether or not Sarah can speak with the dead ultimately doesnt concern Giovanni. He is interested in results, and when Sarah begins providing some, he must question everything he knows about the world and his place in it. She is either the cleverest fraud he has ever met, or a true psychic with an unexplainable gift.
But when the Blood Dahlia takes an interest in Sarah personally, it will take every ounce of strength she has to survive. And as she prepares for him to come for her, she realizes that not everyone is what they seem
Totally Free Deals
g: 2 Posted By: remick
Views: 178 Replies: 0 https://play.google.com/store/music/collection/promotion_albums_...

Weezer: Say It Ain't So
Warren G: Regulate
Nine Inch Nails: Closer
Totally Free Deals
Free Ebooks 3-7-14
Added on : Friday March 07th 2014 07:00:11 AM
g: 0 Posted By: jhall1822
Views: 226 Replies: 0 Note: Please make sure these Ebooks are still free as they are not guaranteed at any price! I am only posting 4+ rated books from FreeEbooksToday.com

Six Seconds
Rating - 4.6 (78 reviews)

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

RATS
Rating - 4.8 (14 reviews)

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

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

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

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

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

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

~Her whole life, it had just been the two of them. Before her mothers last breath, she gave Camille the information she had craved her entire life: the identity of her father. Daring to contact him, Camille was welcomed by an entire family she never knew existed. But nothing comes without a price, as she discovers when her family claims a legendary heritage tracing back to a Centaur touched by Zeus.As she learns the secrets of her Centaur bloodline, she is drawn into a forbidden love with Drake. Her family acknowledges her life may be the blood debt required to pay for her mothers transgressions. The same person who once held her mother captive, and forced her into decades of hiding, now controls Camille. Her only chance is to seek a piece of her mothers past that will win her freedom and the life she desperately desires.
Totally Free Deals
Google Play Free Song of the Day - Loser by Beck
Added on : Friday February 28th 2014 06:00:15 AM
g: 0 Posted By: remick
Views: 56 Replies: 0 https://play.google.com/store/music/album?id=Bfm7nqnlajybuz32awj...
Totally Free Deals
A Deadly Distance Kindle eBook by L.T. Ryan for $0
Added on : Thursday February 27th 2014 05:00:08 PM
g: 0 Posted By: Deals4mykids
Views: 60 Replies: 0 A Deadly Distance Kindle eBook by L.T. Ryan for $0

Reg. $3.99. Free for now. Please verify the price before you click to buy. Prices change w/o notice.

http://www.amazon.com/Deadly-Distance-Jack-Noble-ebook/dp/B00B85...

189 (averaged) 4+ star reviews. 276 pages.

This is Jack Noble book #2. If you're interested Jack Noble #1 is $.99
http://www.amazon.com/Noble-Beginnings-Jack-Thriller-ebook/dp/B0...

Washington, D.C. Midday. A man waits at a bus stop, his intentions unknown. Two government operatives have been stalking him for days, waiting for him to make his move. Unexpectedly, the man takes off running and heads for a deserted warehouse.
Jack Noble and his partner, Frank Skinner, believe the man to be part of a terrorist organization that is involved in smuggling drugs and guns and men into the country. But it turns out their plan involves far more export than import, and hits a lot closer to home.
As the case in this explosive thriller unfolds, the man behind it all reaches out to Jack with a simple message... 37 hours.
Books & Magazines Deals
g: 0 Posted By: remick
Views: 2 Replies: 0 What Happens in Vegas Stays on YouTube: PRIVACY is DEAD. The NEW rules for business, personal, and family reputation. [Kindle Edition]

5.0 out of 5 stars (52 customer reviews)

http://www.amazon.com/What-Happens-Vegas-Stays-YouTube-ebook/dp/...

Privacy is dead. Reputations are dying. Don't let it happen to your company, your team, or your family. You need to turn this potential liability into leadership, and you need to start today. Learn the art and science behind why digital reputations are determining: business winners and losers, your child's future, effective vs. ineffective CEOs & school teachers, your team's culture, church congregation sizes, your next job, everything...
Totally Free Deals
Adding an addition onto my house - Questions. Am I going about this right?
Added on : Wednesday February 19th 2014 03:00:11 AM
g: 0 Posted By: NonReturnable
Views: 104 Replies: 4 I own a 1300 sqft 3 bedroom, 1 bath house.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

What is the best way to go about this?

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

Thanks guys!

TL;DR - Want to build an addition on my house. Talk to me about how to best approach a home equity loan.
Question Deals
Earn up to xxx miles with a loan through prosper (targeted, YMMV)
Added on : Friday February 14th 2014 03:00:10 AM
g: 0 Posted By: DrDubious
Views: 68 Replies: 0 Got this targeted offer in my email today:

Earn up to 18,000 miles with a loan throughProsper

Get closer to your next flight with every dollar you borrow.Whether youre ready to pay down high-interest-rate balances, pay expenses for your small business or looking to finance a significant purchase, Prosper can help you save thousands of dollars each month. You can borrow up to $35,000 and earn thousands of award miles.
The online application is simple, fast and secure. There are no prepayment penalties or hidden fees. And with great low rates, you could save thousands of dollars.*


The fine print indicates that there are several different ratios of miles to dollars borrowed depending on the specific offer sent.
There is also mention of how Prosper can disqualify anyone from the offer at any time.
Details of the loan itself are pretty lacking however, and it appears that the only way to get them is to actually enter data which would effectively constitute applying for the loan.

So all that said, does anyone have experience with this promotion or similar ones in the past?

At first glance it looks like it has potential for pretty easy miles, for the cost of a few days' interest, although I have no idea how active they would be about revoking miles for quick turnaround.


Deal Deals
g: 0 Posted By: MISTERCHEAP
Views: 99 Replies: 0 www.kohls.com

Kohls 30% off Code LOVE30

RUN DATES 2/12 to 19

Earn $10 Kohls Cash On Each $50 from 2/12-17 only

REDEEM 2/18 to 3/8

FS Code to be added closer to 2/12
Free Nokia Lumia 1020,1520 w/ trade in + AT&T contract
Added on : Thursday February 06th 2014 07:00:05 AM
g: 0 Posted By: TrueDee
Views: 287 Replies: 0 FREE: Nokia Lumia 1020 or Nokia Lumia 1520*
When you trade in your iPhone 4, iPhone 4s or Galaxy S2
Expires March 2, 2014

Trade up and treat yourself to a new Windows Phone when you trade in your iPhone 4, iPhone 4s or Galaxy S2.
Choose from the Nokia Lumia 1020 or Nokia Lumia 1520 and see which one best suits your needs.

Get closer than ever with the AT&T Nokia Lumia 1020
Experience the quality of the Nokia Lumia 1020's 41-megapixel camera sensor, PureView technology, Optical Image Stabilization, and amazing high-resolution zoom. Take stunning pictures while exploring the world of photography with Nokia Pro Camera. And Nokia Rich Recording makes it possible to capture sharp HD video with distortion-free sound.

Your digital world is right at your fingertips with the AT&T Nokia Lumia 1520
The Nokia Lumia 1520 comes with all the exclusive features of Windows Phone 8, like Live Tiles and People Hub. And they're all optimized for the big screen, making your Windows Phone 8 experience even better.

Qualifying 2-year (new or upgrade) contract required.
Sales tax may apply.
Colors and availability varies by store.
Devices must be in good working condition.
See store associate for more detail.

*Valid February 3, 2014 until March 2, 2014, or while supplies last. Available in select Microsoft retail stores in US (including Puerto Rico); not valid online. To be eligible for trade-in, product must power on and be in fully functional, working condition without broken/missing components, cracked display/housing or liquid damage, cannot be password protected, and include original chargers/accessories. To receive maximum trade in value, you must purchase an eligible Nokia Lumia 1020 or Nokia Lumia 1520 with a qualifying new or renewal mobile contract or upgrade (2 years) at the same time. Any appraised value will be determined at trade-in and provided as store credit, subject to Microsofts discretion and approval. All trade-ins are final. Not valid on prior orders or purchases; cannot be transferred or otherwise redeemed for cash or gift cards. Not combinable with other offers. Discount does not include taxes, shipping or other fees. Void where prohibited or restricted by law. Microsoft reserves the right to modify or discontinue offers at any time.

Deal came up in my local store but I checked a few other places and it was available there, too. Please, check your store.

Microsoft Store
Cell Phones Deals

Microsoft Store Coupons
PineconeS Research Scam!
Added on : Tuesday February 04th 2014 01:00:08 PM
g: 0 Posted By: VerbalK
Views: 138 Replies: 3 Figure this might be relevant since I know many of us have at some point did the $5 a pop pinecone surveys. A while back I got a message in my spam box with the typical mystery shopper scam stuff, though it was a good effort (very close to the old pinecone format, though with an extra "S" for sucker). I put in my spam email address and a PO box. I didn't notice, but I did receive several more message about my approval in the spam folder.

Today I got a "check" for $2250 to assist me in testing Wal-Marts money order system, the standard send $1800 to the Philippines, keep the rest, kind of thing. Very well put together package, no obviously stilted English, or other dead giveaways... other than the "duh, why are they paying me $500 to assess the friendliness of Wal-Mart cashiers. (I could tell you they suck for free). In closer reading, there are a few giveways, capitalization in weird places, euro date format, "text only" phone numbers. I guess it makes sense filippinos would speak more idiomatically than Nigerians.

What should I do with this now? Give it to the post office to investigate mail fraud? Cash the check and flee to costa rica? Spam the text number with pictures of cats? Try to get a picture of them putting fish and bread on their head?

pineconesresearch.com is the domain, not much in the whois, phone number 202-688-8936, check came from a tina avila, 459 Country Club Rd, Newnan, GA 30265, with the name Jinni B Redmond on the fake cashiers check.
Discussion Deals
YOKI Faux-Leather Tote - $24.99 w/ FS @ Groupon
Added on : Monday February 03rd 2014 09:00:10 AM
g: 1 Posted By: ksenn
Views: 274 Replies: 2 Groupon has the YOKI Faux-Leather Totefor $24.99 with free shipping. Measures 19" x 18" x 3.5". Pretty decent-sized tote, has detachable shoulder strap and front-closure and fold over options. Available in Blue, Pink, Mint or White. Groupon says it's originally valued at $107.99, but that seems pretty high. I'd say it was probably originally closer to $40.
Purse Deals

Groupon Coupons
Path to buying a house.
Added on : Saturday January 25th 2014 06:00:10 PM
g: 0 Posted By: e0zdk3sgna7l0
Views: 106 Replies: 0 I want to buy a house in the near future which I want to buy to rent out. To secure a downpayment quicker, should I pay my student loans off on a monthly basis even when I have the ability to pay all of it all at once. I would love any advice you guys might have about this or in general. fyi houses around the area I want to buy are about $450 starting.

A little about myself. I am 23 years old and just got out of college.I just started my job which pays me 100k/yr. I have around $10k in savings with another $8k after takes coming from my company in the form of a relocation stipend. I recently started a lease on an apartment which I will be paying $1k a month for my room and my roommate will be paying the rest. My car is totally paid for and I don't have any other monthly payments that I have to tend to or worry about. Credit karma is reporting my credit score in the 790s. The total debt on all my credit cards sit around $2k and i plan on paying all of them off when its closer to the due date. I have around $19k in student loans and the interest on them dont start for another month or two. (I'd get more info on my loans for you guys right now but the website is down.)

TLDR:
Salary: 100k/yr
Savings: 18k
Rent: 1k
Credit Score: ~790
Credit Card Debt: 2k (will be paid when due)
Real Estate Deals
g: 1 Posted By: dogmeat
Views: 372 Replies: 0 It's back......in stock. I will bet it will go OOS quickly.Stack-On 10 Gun Double Door Security Cabinet, Hunter Green at Wal mart for $199, plus $10 shipping to home.
Link

This was posted a couple of months ago, and again a few weeks ago,but quickly went out of stock. It's back in stock now. This is not a 'safe', but more of a robust metal cabinet. The black model is $299. Best prices I can from other sites are over $300 when you include shipping and some closer to $400. I suspect this will go out of stock quickly.

PS-I got one. Took a while to get here, but it was $10 to ship it common carrier from Arkansas to Washington and it got here in prefect shape. Nice fit and finish on the cabinet. A little bit of a pain to mount the four shelves. Highly recommended IF you don't feel you need a real safe. Don't buy this if you don't understand the difference.
Furniture Deals

Walmart Coupons
Lowes Big Savings on the Stuff You Love... or Not...
Added on : Monday January 20th 2014 08:00:03 PM
g: 0 Posted By: sc69
Views: 106 Replies: 0 Email newsletter I got calls for a 'Clearance Sale'. Good for while supplies last... Hah!

Clearance Items

So far the only thing I was interested in was...

Edsal 72-in H x 36-in W x 18-in D 5-Tier Steel Freestanding Shelving Unit @ $59.97, reg. $69.98.

So as a comparison I tried to check around and on Home Depot and came up with this slight conundrum, which I think I've figured out, but if anyone knows of other differences please post them....

Can anyone tell me the difference between the these two Edsal units as sold by Home Depot and in other stores as well...

Best I can tell they match in all given specs including load capacity, etc. Both appear to have the 'shaped' horizontal members which add strength and a ledge for the shelving to sit recessed for the top to be flush with the member. There is some difference in description of the structural design, but bottom line is they hold the same, look that same, and I can't see ANY difference in the 'construction' of the steel members.

Edsal 36 in. W x 18 in. D x 72 in. H Steel Commercial Shelving Unit @ $56.99

Edsal 36 in. W x 72 in. H x 18 in. D Steel Commercial Shelving Unit @ $66.97

The ONLY difference I can ascertain is that this one for $66.97 shows "5 steel shelves with wood grain particle board have a durable black enamel finish". At first reading the part '5 steel shelves' had me thinking, 'Oh that's it the shelves are steel'... but then it goes on to clearly state they're wood grain particle board [ which FWIW isn't exactly a valid 'engineering / technical' description, since particle board by definition has NO 'real' grain per se ]. A closer look at the pics does in fact appear to show the shelving for this unit to be black. IS THAT IT... for an extra $10 one gets they shelves painted fer 'um...


Which bring us to the Lowes comparison. Lowes picture appears to show the unfinished shelving so I presume it's to be compared to the first HD unit listed above at $56.99 so no savings there, and I'd just as soon go through HD anyway.


Which bring us to the Lowes comparison. Lowes picture appears to show the unfinished shelving so I presume it's to be compared to the first HD unit listed above at $56.99 so no savings there, and I'd just as soon go through HD anyway.

Will check out other stuff when I get a chance... the damn editor on this forum has screwed with me nuff tonight and wasted more time than I can afford to get much else done... so there ya have it... for now...

Steve

-- Sent from unknown location faraway in a land outside the box.
*UPDATE* Official 2013 Tax Software / E-Filing Roundup Thread
Added on : Friday January 17th 2014 11:00:08 AM
g: 8 Posted By: slervik
Views: 797 Replies: 2 As we get closer and closer to the tax time, we're going to see a lot more deals on Tax Software & E-Filing coming in and out of the thread. I figured I would go ahead and try to round everything up in one post to make it easier for everyone to sort through. I've previously just gone to H&R Block and just had them do my taxes for me, but I believe this year I'm going to try and do this all on my own. Below are deals that I have found on Fatwallet and just looking around different sites. So any tips for me and anyone else who may just be starting up would be highly appreciated. Mods, feel free to sticky this, as I will be updating this thread as much as I can!

I did notice that Fat Wallet is currently doing a contest for the Turbo Tax Federal/ State Software Deluxe Edition. I'm going to provide the link to anyone else, besides myself, who wants to see if they could win it. Instructions for entry are posted lower on the page. Good luck! Fat Wallet Contest Link

*Please update the Quick Summary with any new tax software deals you come across or remove expired/ OOS ones. Thanks all for the help!


Tax Resource Threads:
2013 Free File Taxes Your AGI $58,000 or Less - Various Programs(Thanks to terriprg)
Turbo Tax's Software Download on KingDeals4U Appears to be Scam(Thanks to tracksupr)
FAFSA Tax Input for College Students for 2014-2015 School Year(Thanks to Wizard83)
Tax Deductibles Volunteering Vacations(Thanks to mooingmooseman)


Turbo Tax Deals:
Free Federal Filing: Intuit TurboTax Freedom Edition(Thanks to terriprg)
Free Access to Turbo Tax 2013 Preparation for State Farm Customers(Thanks to CSREwallet)
Win A Deluxe Edition of Turbo Tax's Federal/State Software(Thanks to akmckenna)
Amazon: $45 Off TurboTax + Quicken Additional for Amazon Prime ($35 Non Prime)(Thanks to rhornor)
Costco: $10 Off Online or B&M(Thanks to SlimTim)
Amazon: Turbo Tax Deluxe Federal + EFile + State - $40 w/ FS for Amazon Prime(Thanks to johnny98)
Amazon: 10% Gift Card Using Refund(Thanks to xelint)
Amazon: $10 Off Home & Business w/ Prime(Thanks to Rookie 555)

H&R Block Deals:
Free Federal Edition Tax Filing(Thanks to terriprg)
State Tax Filing for Non Qualifying Customers - $14.99
Simple Tax Basic Edition - $19.99
Investors/ Homeowners Deluxe Edition - $29.99
Amazon: $24.99 - $64.99

Quicken Deals:
Amazon: $45 Off TurboTax + Quicken Additional for Amazon Prime ($35 Non Prime)(Thanks to rhornor)

Multiple Deals:
Office Depot FAR Software & Tax Software Purchase Rebates for 2014(Thanks to bpvh)
Amazon: Save Up to $25 on Tax Software & Norton Bundles

Tax Software Deals

Amazon Coupons
Official 2013 Tax Software / E-Filing Roundup Thread
Added on : Friday January 17th 2014 10:00:09 AM
g: 7 Posted By: slervik
Views: 429 Replies: 2 As we get closer and closer to the tax time, we're going to see a lot more deals on Tax Software & E-Filing coming in and out of the thread. I figured I would go ahead and try to round everything up in one post to make it easier for everyone to sort through. I've previously just gone to H&R Block and just had them do my taxes for me, but I believe this year I'm going to try and do this all on my own. Below are deals that I have found on Fatwallet and just looking around different sites. So any tips for me and anyone else who may just be starting up would be highly appreciated. I will be updating this thread as much as I can!

I did notice that Fat Wallet is currently doing a contest for the Turbo Tax Federal/ State Software Deluxe Edition. I'm going to provide the link to anyone else, besides myself, who wants to see if they could win it. Instructions for entry are posted lower on the page. Good luck! Fat Wallet Contest Link

*Please update the Quick Summary with any new tax software deals you come across or remove expired/ OOS ones. Thanks all for the help!


Tax Resource Threads:
2013 Free File Taxes Your AGI $58,000 or Less - Various Programs(Thanks to terriprg)
Turbo Tax's Software Download on KingDeals4U Appears to be Scam(Thanks to tracksupr)
FAFSA Tax Input for College Students for 2014-2015 School Year(Thanks to Wizard83)
Tax Deductibles Volunteering Vacations(Thanks to mooingmooseman)


Turbo Tax Deals:
Free Federal Filing: Intuit TurboTax Freedom Edition(Thanks to terriprg)
Free Access to Turbo Tax 2013 Preparation for State Farm Customers(Thanks to CSREwallet)
Win A Deluxe Edition of Turbo Tax's Federal/State Software(Thanks to akmckenna)
Amazon: $45 Off TurboTax + Quicken Additional for Amazon Prime ($35 Non Prime)(Thanks to rhornor)
Costco: $10 Off Online or B&M(Thanks to SlimTim)
Amazon: Turbo Tax Deluxe Federal + EFile + State - $40 w/ FS for Amazon Prime(Thanks to johnny98)
Amazon: 10% Gift Card Using Refund(Thanks to xelint)
Amazon: $10 Off Home & Business w/ Prime(Thanks to Rookie 555)

H&R Block Deals:
Free Federal Edition Tax Filing(Thanks to terriprg)
State Tax Filing for Non Qualifying Customers - $14.99
Simple Tax Basic Edition - $19.99
Investors/ Homeowners Deluxe Edition - $29.99
Amazon: $24.99 - $64.99

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Amazon: $45 Off TurboTax + Quicken Additional for Amazon Prime ($35 Non Prime)(Thanks to rhornor)

Multiple Deals:
Office Depot FAR Software & Tax Software Purchase Rebates for 2014(Thanks to bpvh)
Amazon: Save Up to $25 on Tax Software & Norton Bundles

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Stack-On 10 Gun Double Door Security Cabinet, Hunter Green $199 +$10 ship
Added on : Saturday January 11th 2014 06:00:02 AM
g: 0 Posted By: dogmeat
Views: 62 Replies: 0 Stack-On 10 Gun Double Door Security Cabinet, Hunter Green at Wal mart for $199, plus $10 shipping to home.
Link

This was posted a couple of months ago, but quickly went out of stock. It's back in stock now. This is not a 'safe', but more of a robust metal cabinet. The black model is $299. Best prices I can from other sites are over $300 when you include shipping and some closer to $400. I suspect this will go out of stock quickly.
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g: 1 Posted By: jessicadabears
Views: 232 Replies: 0 LEGO Friends (Nintendo 3DS) for $19.99 at Amazon w/ Free Super Saver Shipping on purchases $35+.

Express Yourself: Pick out your clothing, hairstyle and accessories, decorate your bedroom the way you want
Choose your favorite animal as a pet and even pick out accessories for your pet
Join your new Friends on unique adventures; Enjoy different activities with each friend as you learn about her unique personality, sets of interest and personal style
Explore Heartlake City and decide how you want to spend your time; Hang out with your friends at the cafe, play soccer, attend dance rehearsal, or visit the karate dojo
Help your Friends on special adventures like winning a trophy in a horse riding competition and your friendship levels with the girls will grow closer to True Friend status
Train your pet to do tricks, groom her, feed her treats, and enter her in a pet show; Each pet has a special skill that they can use to help you on your adventures; You can even trade places with your fun-loving pet so you can play as her

This has gotten great reviews on Amazon
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5 Free Business Kindle ebook downloads
Added on : Tuesday January 07th 2014 07:00:11 AM
g: 2 Posted By: attaallah
Views: 248 Replies: 0 5 Free Business Kindle ebook downloads

Secrets of a Master Closer by Mike Kaplan
Escaping Career Prison by Amy Van Court
Starting Your Own Business by Nevin Buconjic
Management And Leadership Skills by BJ Knights
12 Steps to Freedom by Paul Rega


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g: 0 Posted By: fatbujy
Views: 196 Replies: 0 Tommee Tippee Closer To Nature 5oz Bottle 2-Pack $8.99 @ Amazon Lightening Deal

Lightning Deal
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mAOR Results for Cap1 VC/Arrival/Chase SWA
Added on : Saturday January 04th 2014 02:00:05 PM
g: 0 Posted By: ymarker
Views: 125 Replies: 2 Just did a mini-AOR with 3 credit cards applied a few seconds apart, waited for approval screen prior to clicking apply on the next app. Always appreciated other folks posting their experience so as to adjust my own strategy, so hopefully this helps someone. Each numeral below links to the app I used (most found here or FT):

1) Barclays Arrival 40k w/$1k spend $89 fee waived 1st year: Approved $10,000 cl
2) Chase SWA Premier 50k w/$2k spend $99fee not waived: Approved $15,500 cl
3) Cap1 VC 50k w/$3k spend $0 AF: Approved $10,000 cl

Credit Karma Score this morning prior to app: 782. Equifax FICO 787 as of last week. Fortunately did not have to call recon on any of the apps, unlike in the past, especially with chase.

Was anxious about Barclays as they had denied my last app when attempting to churn the NFL card about 4-5 months ago. Had churned Chase SWA before, several times, though this is my first premier. Saved Cap 1 VC last as there was concern of the tri-bureau pull.

Concerns:
Would like to get another Chase Business SWA card to get closer to companion pass (another $2k spend). Also would have liked to apply for Citi AAdvantage 50k (another $3k spend). Don't think I can hit the additional marginal spend easily such that the ROI wrt time / enjoyment / ease is questionable, though leaving this as a possibility. Also concerned about excessive chase churn and risking blacklisting or losing my existing UR points. Churned swa about 3 times now, and 1x each of ink bold (still have), 1x CSP (downgraded to no fee now after harvesting, though should probably get rid of it now for possible future churn?). I don't have any big trips planned so harvesting the arrival may be of concern, though I imagine I have till Jan 2015 to harvest, prior to the fee hitting.

Meeting Spend:
For the current spend, I can wipe out the Cap1 VC with AP ($1k / month for three months). The remaining two - Arrival and SWA total $3k spend which in the next next three months equals to $1000/month everyday spending which is manageable without any undue effort.
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K-Cups: Quill $83.92 for 192 ($0.43 each) or better AC
Added on : Thursday January 02nd 2014 10:00:11 AM
g: 0 Posted By: SickPup404
Views: 290 Replies: 0 Quill has $20 off $100 coffee, water, & snack purchase until 01/05/2014.

Most of their 24-count k-cups are $12.99 (normal price). However, during shopping one or more may drop to $12.34 (they did for me).

Add eight boxes to hit $103.92.
Apply coupon FB4DLR67 during checkout to bring down to $83.92.

If you get the eCoupon, or get any of the $11.99 boxes, you can get closer to the $100 mark.

Granted, this isn't fantastic, but $0.43/cup is about the best I see right now if you're low on stock...
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Resign or wait for layoff or be fired?
Added on : Thursday January 02nd 2014 08:00:11 AM
g: 0 Posted By: W7414
Views: 328 Replies: 14 In a recent re-org my job role was changed (same salary of $120K) and was told that the re-org did not have any RIF (Reduction in Force). I now report up thru someone who I have had tiff with previously. A few days after the re-org, I was told that my job role changed because apparently I told my direct report what to do, instead of teaming up with them on what needs to be done. I couldn't recollect a situation when this happened, but I didn't want to argue, knowing who I report to now. I was also told that I can accept my changed role and be happy about it or keep fuming about it.

Since the reorg, there is almost no work coming my way and the ones I get are things that others don't want to do - like being a silent scribe in the meetings, where I used to run similar meetings and be a big contributor.

Its hard coming to work everyday on time, do nothing and leave, but I am trying to think of this as a business decision and not get emotional about it. I am working with senior management of a different company towards a new job role (being carved out for me) that I expect to materialize in the next 8-10 weeks.

Based on the company's policies, if they lay me off, they will have to pay closer to $60K as severance. My preference is to get laid off, given the current situation. My formal performance review is coming up in the next 5 weeks and I know they will come out and say I am not meeting their expectations.

Is there anything I can be doing to prevent me from getting fired for the next 8-10 weeks. Is there anything I can be doing so they will lay me off?
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g: 0 Posted By: remick
Views: 162 Replies: 0 Closer: Devotions to Draw Couples Together (was $13.99)
http://www.amazon.com/Closer-Devotions-Draw-Couples-Together-ebook/dp/B00B853OA4

4.8 out of 5 stars (8 customer reviews)

The Love Dare challenged individuals to love their spouse more. Closer shows wives and husbands how to grow that love together. Introduced with Scripture verses and engaging stories, these 52 devotionals will inspire couples to draw closer through faith conversations--those quiet talks so vital for emotional and spiritual intimacy in a marriage. Guided, practical action steps round out each reading. Closer, with its flexible weekly format, is an appealing alternative to a daily devotional.




Believing God(was $22.95)
http://www.amazon.com/Believing-God-Beth-Moore-ebook/dp/B0032UDV4M

4.7 out of 5 stars (146 customer reviews)

Join best-selling author and Bible teacher Beth Moore in her latest book as she explores what it means to know and truly believe God, not just to believe IN Him. Through the examples of believers like Abraham and Moses, who trusted God's promises, Beth encourages Christians of all ages to deepen their own trust in God, live out their faith and receive a fresh word from Him.



When Godly People Do Ungodly Things: Finding Authentic Restoration in the Age of Seduction (was $19.99)
http://www.amazon.com/When-Godly-People-Ungodly-Things-ebook/dp/B003WEA50G

4.7 out of 5 stars (82 customer reviews)

It is reported in the headlines, confessed in the pulpits, and hidden in the pews in churches around the world. The seduction of Gods people by the deceiver is a tale as old as the garden, but we are always surprised when it happens. We must realize that Satan is a lion on the prowl and we are his prey.
Beth writes with a passion fueled by the Biblical warnings of the schemes of Satans seductive activity and the broken-hearted concern of a teacher who receives countless letters from repentant Christians limping on the road to finding restoration. Delivering dire warnings to Christians to safeguard themselves against Satans attacks, Beth also reveals how you can know if someone is vulnerable. Beth writes, We, Christs church, are in desperate need of developing His heart and mind in issues like these. She fears that often God is far more merciful than the Body of Christ is with the deeply repentant and those desperate to find their way home. When Godly People Do Ungodly Things will be a guide to authentic repentance and restoration.



The Beloved Disciple (was $19.99)
http://www.amazon.com/Beloved-Disciple-Beth-Moore-ebook/dp/B003WEA5BU

4.8 out of 5 stars (27 customer reviews)

John the apostle must have thought he had seen everything. Having been with Jesus all the years of his ministry, John witnessed more miracles than he could count, saw more displays of power than he could comprehend, and experienced more love than he could fathom. And one unforgettable morning young John outran Peter to his Saviors empty tomb. Just as Christ took John on a lifelong journey into the depths of His love, He will do the same for you. The bridegrooms love is unmatched and inexhaustible, and He is waiting to lavish it on you, His beloved.



To Live Is Christ (was $19.99)
http://www.amazon.com/Live-Christ-Beth-Moore-ebook/dp/B003WEA5C4

4.4 out of 5 stars (22 customer reviews)

In To Live Is Christ, best-selling author Beth Moore travels on a spiritual odyssey through the life of one of Christianitys most fervent journeymen, the apostle Paul, tracing his story from childhood to martyrdom.
Proclaiming his faith as a benchmark in New Testament Scripture, Beth writes, "I have accepted many of Pauls words as a personal challenge. I want to know Christ has become my plea. To live is Christ and to die is gain has become my hope. And to borrow his words once more, Not that I have already obtained all this . . . but I press on."
Pauls undying passion for Christ continues to inspire and challenge those with a deep spiritual hunger for the things of God. Readers will be greatly refreshed by the obvious mercy of God that causes those who have failed him to repent and serve him wholeheartedly and effectively.



Pray the Scriptures Bible: Psalms and Proverbs (was $9.99)
http://www.amazon.com/Pray-Scriptures-Bible-Psalms-Proverbs-ebook/dp/B005UEXF58

4.3 out of 5 stars (7 customer reviews)

First-of-Its-Kind Bible Combines the Full Text of GOD'S WORD with Thousands of Prayers
For those interested in centering their prayers on the foundation of Scripture, this Bible will be an encouraging companion to daily Bible reading and prayer. Bestselling author Kevin Johnson presents an approach to the power of biblical prayer by offering Scriptures that inspired them. Readers will pray with more confidence, learning to apply Scripture to their lives and pray words they know God will hear.



Everyday Prayers: 365 Days to a Gospel-Centered Faith (was $6.99)
http://www.amazon.com/Everyday-Prayers-Days-Gospel-Centered-Faith-ebook/dp/B005GMYADU

4.7 out of 5 stars (74 customer reviews)

How would life be different if we could think, see, and do all things in light of the person and work of Jesus? With this inspiring collection of 365 Scripture-centered prayers, Scotty Smith helps readers pray the Scriptures through the lens of the gospel, mining the resources of God's grace and applying them in every season of life. He frees readers to abandon any posing or pretending in favor of an honest, no-spin relationship with a God who claims them as his own.
Each day includes a Scripture reference and an inspirational original prayer, born from both moments of great faith and moments of crisis. Like a modern-day book of Psalms, Everyday Prayers is a year's worth of growing in grace that readers will lean on year after year.




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Free Kindle Book- Today's the Day! by Jim Stovall (was $16.99)
Added on : Monday December 30th 2013 06:00:06 AM
g: 1 Posted By: remick
Views: 286 Replies: 0 http://www.amazon.com/Todays-Day-Jim-Stovall-ebook/dp/B005NHTRTU

By picking up this book, you have already taken a first step toward succeeding in life. But will you take the next step. and the next? Will today be the day you finally resolve to do something positive with your life-no matter what difficulties you face?

The world is made up of all kinds of people in all sorts of circumstances. But ultimately, everyone falls into one of two categories: winners or losers those who succeed. and those who fail. Nobody sets out to lose fail. But often we don't really know what success means, or how to achieve it personally.

Now there's help. In this inspiring and uplifting book, Jim Stovall shares easy-to-read, easy-to-put-to-work nuggets of wisdom that he has learned personally by overcoming his own blindness and becoming one of America's most accomplished entrepreneurs. Each persuasive chapter gives you a practical, positive, powerful insight that can help you successfully negotiate every situation in your life.

Ready to get started learning the winner's ways of success? Today's the Day!
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g: 0 Posted By: remick
Views: 209 Replies: 0 http://www.amazon.com/Instant-Family-Devotions-Discussions-Anywhere-ebook/dp/B0080K3SA6

4.4 out of 5 stars (9 customer reviews)

Parents want their children to grow closer to God, but may not always know the best way to facilitate that growth. Mike Nappa and Jill Wuellner take the guesswork out of family devotional time with this practical, imaginative resource. They provide a year's worth of engaging, transforming, and easy-to-lead Bible discussion guides for parents and children. Combining biblical depth with entertaining and educationally sound teaching techniques, this book will both challenge and inspire families toward lasting spiritual growth.

All 52 studies require zero pre-session preparation and can be used in a variety of settings and times--around the dinner table, during family-night activities, or just before bedtime. They are also perfect for impromptu lessons in Sunday school classes and elementary-aged youth groups.
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g: 1 Posted By: remick
Views: 129 Replies: 0 http://www.amazon.com/Women-Outside-Walls-Trisha-Sugarek-ebook/dp/B0063XH5CY

4.5 out of 5 stars (12 customer reviews)
#2 in Kindle Store > Kindle eBooks > Literature & Fiction > Contemporary Fiction > American


Alma, Kitty and Hattie have one thing in common. The men they love and married are in prison.

This story focuses on three women. In a series of flash backs we explore the experiences of these women when they lived normal lives with their husbands and children. The plot explodes when Chelsea, Alma and Charlies daughter, disappears. One visiting day something happens that will change each of their lives forever as the visiting room erupts in violence and heartbreak.

Alma is an exotic dancer who seems, at first glance, to be a bit of a nitwit. But on closer inspection she has a street-smart wisdom and humor. Hattie is a hard working African American woman, with four children, who is trying to keep her family together. Then there is Kitty a wealthy socialite, who in spite of the shame and embarrassment when her husband refuses to see her, visits the prison doggedly every week.
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g: 0 Posted By: tedhawkins
Views: 163 Replies: 0 Hyperlite 140 State Wakeboard Package with 10-14 Remix Boots (Men's) $199.99 + $13.52 S/H

http://www.98main.com/

The Hyperlite 140 State Wakeboard Package is designed to give progressing riders confidence. Stable tracking, good pop, and soft landings make expanding your skills easy and fun. The 140 State Wakeboard is toe and heel-side specific, helping to reduce falls. This package comes with Remix Boots, which are known for their comfort even after a long day of riding.
Board Features:
Recommended rider weight: 160lbs and up
Toe/ Heel side specific edges help make toe side jumps less awkward
Subtle 3-Stage Rocker rides smooth and gives nice pop off the wake
Deeper Molded-in Toe Side Fin sets a solid toe side edge
Outer Molded-in Stabilizers for a steadier ride
Monocoque Construction keeps your sides intact after impact
Layered Glass gives your board consistent snap
Fins: 2 1.3 inch for a tighter feel on the water
Boot Features:
Fits shoe sizes 10-14
Hyperplush Rear Flex Zone feels soft against your leg
Dual Front Lace Zones for a customized fit
Soft internal EVA padding for comfort
Low Pro plate system for a more responsive ride
Drop-through footbed makes foot to board connection closer
Pro Plate Mounting Locks allow a more customizable stance
J-bar pads enhance fit and eliminate heel lift
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End of year sales of losing stocks?
Added on : Thursday December 26th 2013 09:00:07 AM
g: 0 Posted By: fatfallet
Views: 10 Replies: 0 I have made some gains this year, but am also holding SLV (silver ETF) which is a loser of about 5% for me.

Questions:

1) Should I sell and switch to something similar, like a different Silver ETF or even GLD?

2) Will I lose the ability to write off if I buy SLV again within 30 days?
g: 0 Posted By: remick
Views: 203 Replies: 0 http://www.amazon.com/Indescribable-Encountering-Glory-Beauty-Universe-ebook/dp/B005S9KSE6

4.8 out of 5 stars (43 customer reviews)

Putting this powerful message into print for the first time, visionary pastor Louie Giglio and songwriter Matt Redman team up to write a heart-stirring book about the mysteries of Gods creation. Indescribable takes readers on a journey through the vastness of outer space and into the depths of the soul.

Modern science allows viewers to see farther into space than ever before, and every step draws them closer to the God who breathed each star into existence. InIndescribable, the authors intertwine devotional insights with remarkable scientific facts that awaken both mind and spirit. As Giglio and Redman write, God turnswonderers into worshipers.

Above all, Indescribable is a call to worshipan invitation to know and be known by the God of all creation and to become more passionate worshipers of Jesus Christ.
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g: 0 Posted By: remick
Views: 141 Replies: 0 http://www.amazon.com/Touching-Heaven-Stories-Children-Eternity-ebook/dp/B00B85M2QG

4.9 out of 5 stars (57 customer reviews)

Children have always been close to the heart of God. It is when children are sick, even dying, that they can suddenly bring us closer to God ourselves.

Children's minister and former children's hospital chaplain Leanne Hadley has been ministering to hurting children for years. In Touching Heaven, she recounts the poignant stories and simple faith of the remarkable children she has been privileged to serve. She shares their encounters with God, Jesus, and angels. And with humor and tenderness, she offers their inspiring testimonies to the presence of God in our lives--even as earthly life is ending.

Anyone who has lost a child or another loved one, or anyone who is currently supporting a dying person along the journey, will find in these stories comfort, inspiration, and hope of everlasting life.
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List of Dominick's Store Participating in 50% off Clearance
Added on : Wednesday December 18th 2013 03:00:10 AM
g: 0 Posted By: longshotz777
Views: 8 Replies: 0 In the Chicagoland area, all the Dominick's are shutting down. Some are being bought out buy Jewel or Mariano's grocery stores. They are slashing prices from 30%-50% and more as they get closer to their closing date. For alcohol, in order to get the 50% you have to purchase 6 bottles otherwise it's just 30% off. I picked up 6 bottles of 12 year old Glenlivet Scotch for $22 each! I'm assuming it's the same policy for all the store but I could be wrong.

Here's a list of all the stores that are participating on the 50% off clearance. Sorry I'm not allowed to link the post per FW.
www.mashupmom.com/dominicks-participating-50-sales

First post, so hope this helps.
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Tax implications - When is debt considered cancelled in a Deed In Lieu?
Added on : Monday December 16th 2013 12:00:08 PM
g: 0 Posted By: BocephusSTL
Views: 112 Replies: 0 My brother is going through a Deed-In-Lieu with BOA, and he is concerned about the potential tax liability if it's not completed by Dec. 31, because of the expiring Mortgage Forgiveness Debt Relief Act (MFDRA). They told him it's in the final stages of completion (post-closing dept.), but that it probably won't be fully completed for a couple of months. I'm hoping someone here might have relevant experience to determine when a DIL is considered complete for tax purposes.

The facts as he relayed them to me are:

His file is in the Post-Closing Dept. at BOA
The Warranty Deed where he signed the property back to BOA, and BOA's Deed of Release, have both been recorded with the county.
The post-closer said his incentive check is on the way.
He called the IRS, and was told that the determining factor for meeting the Dec. 31 deadline of the MFDRA expiration is that the debt must be cancelled by that date.
Post-closer told him she "thinks" the Deed of Release is the point at which the debt is considered cancelled, but she's not certain.
BOA still has to transfer the property to HUD, clear things off their books, report to CRAs, etc, which could take another couple of months.

The person at IRS told him that it's completely up to the bank as to when they consider the debt cancelled. The post-closer from the bank told him she "thinks" the recording date of the Deed of Release is what would be considered the date of debt cancellation in his case, but she wasn't sure. He is worried they won't consider it cancelled until it's fully off their books and reported to the CRAs. If that's after Dec. 31, the cancelled debt will be subject to taxes, which he can't pay so is obviously trying to avoid that situation.

Another question that came up when he talked to the IRS, could potentially make all of this moot. The IRS person told him that because it's an FHA loan,there technically won't be any cancelled debt because the mortgage insurance claim that will be paid to BOA effectively makes them whole. As a result, my brother won't be subject to income tax of the "cancelled debt". This kind of makes sense, but then again, it sounds too good to be true.

Any tax or legal experts here who can be any more definitive about these questions? I wore out my Google-Fu trying to get answers, but the only information I could find wasn't specific to these details.
Thanks!
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g: 0 Posted By: mysteryAgain
Views: 1509 Replies: 7 My gf and I are leaving NYC Jan 19 and driving to Las Vegas. Flying back to nyc on Jan 1. We are both in early 30, adventurous, active and both of us are drivers. Here is the itinerary for our trip. Please let us know how doable is it.


Date Day of the Week Itinerary
19-Dec Thu Drive to Baltimore in the evening and stay at parent's house

20-Dec Fri Heading out in morning get to Nashville TN or Knoxville TN. Driving though the Smokey Mountains according to the map. ~8 -10 hrs. drive

21-Dec Sat Getting to New Orleans LA by evening. If we want to stop by Memphis for a cool BBQ lunch (only if we feel like it) or do anything else on the way. ~8 hrs. drive

22-Dec Sun Full day in New Orleans. Do whatever we want rest, eat, explore, party.


23-Dec Mon Driving out in the mid-morning, get to San Antonio TX in the evening. See the Alamo and cool area by the river and perhaps have dinner there. If we feel like it can stop by beautiful Lake Charles on the way (literally 100% on our way). ~8 hrs. drive


24-Dec Tue Use as a rest day and to explore TX (i.e. Austin), and drive some of the way to NM to shorten the drive the next day.

25-Dec Wed Drive 3/4 of the way to White Sands and stay for the night.

26-Dec Thu Early in the morning visit White Sands and spend 1 to 2 thereThen drive on toward the Petrified Forest use the rest of the day to explore and go to Flagstaff for dinner.

27-Dec Fri Drive to Sedona AZ (only 50 min from Flagstaff) and spend the entire day there, stay in the area of move on and stay for the night closer to the Grand Canyon.

28-Dec Sat Drive to the Grand Canyon (~2 hrs.) and spend the day there. Stay in the area for the night.

29-Dec Sun The goal is to be in Las Vegas by evening. In the morning drive to Joshua Tree Park and explore there (look up pics it is very very cool and is the second place I was hoping to visit) ~ 4.5 hrs. Then drive on to Las Vegas and be there that night. ~3 hrs.

30-Dec Mon Explore Valley of Fire and Lake Mead areas as a day trip. In the evening see a show, play poker, explore The Strip, have a nice dinner, whatever we want to do.

31-Dec Tue During the day explore the city and rest. Go out for NY (TBD).

1-Jan Wed Flying our at 12:45pm, home by evening.

Please advise.
Discussion Deals
g: 0 Posted By: mysteryAgain
Views: 19 Replies: 0 my gf and I are leaving NYC Jan 19 and driving to Las Vegas, and flying back to nyc on Jan 1. We are both in early 30, adventurous, active and both of us are drivers. Here is the itinerary for our trip. Please let us know how doable is it.


Date Day of the Week Itinerary
19-Dec Thu Drive to Baltimore in the evening and stay at parent's house

20-Dec Fri Heading out in morning get to Nashville TN or Knoxville TN. Driving though the Smokey Mountains according to the map. ~8 -10 hrs. drive

21-Dec Sat Getting to New Orleans LA by evening. If we want to stop by Memphis for a cool BBQ lunch (only if we feel like it) or do anything else on the way. ~8 hrs. drive

22-Dec Sun Full day in New Orleans. Do whatever we want rest, eat, explore, party.

23-Dec Mon Driving out in the mid-morning, get to San Antonio TX in the evening. See the Alamo and cool area by the river and perhaps have dinner there. If we feel like it can stop by beautiful Lake Charles on the way (literally 100% on our way). ~8 hrs. drive


24-Dec Tue Use as a rest day and to explore TX (i.e. Austin), and drive some of the way to NM to shorten the drive the next day.

25-Dec Wed Drive 3/4 of the way to White Sands and stay for the night.

26-Dec Thu Early in the morning visit White Sands and spend 1 to 2 thereThen drive on toward the Petrified Forest use the rest of the day to explore and go to Flagstaff for dinner.

27-Dec Fri Drive to Sedona AZ (only 50 min from Flagstaff) and spend the entire day there, stay in the area of move on and stay for the night closer to the Grand Canyon.

28-Dec Sat Drive to the Grand Canyon (~2 hrs.) and spend the day there. Stay in the area for the night.

29-Dec Sun The goal is to be in Las Vegas by evening. In the morning drive to Joshua Tree Park and explore there (look up pics it is very very cool and is the second place I was hoping to visit) ~ 4.5 hrs. Then drive on to Las Vegas and be there that night. ~3 hrs.

30-Dec Mon Explore Valley of Fire and Lake Mead areas as a day trip. In the evening see a show, play poker, explore The Strip, have a nice dinner, whatever we want to do.

31-Dec Tue During the day explore the city and rest. Go out for NY (TBD).

1-Jan Wed Flying our at 12:45pm, home by evening.

Please advise.
Discussion Deals
Best way to negotiate job offer (game theory?)
Added on : Monday December 16th 2013 08:00:10 AM
g: 0 Posted By: ptanders
Views: 968 Replies: 14 A friend has received a job offer in a sci/tech field for $60k/year, with $10k signing bonus (vests at end of year 1), and an additional $5k performance bonus if he meets criteria at the 1 year line.

His current position is $70k. He told prospective HR he's earning $75k including 401(k) matches (but excluding 10k annual bonus and tons of other perks that accumulate to generate significant value). The prospective firm's HR folks have third party databases to show he's closer to the actual of $70k base salary, whereas the friend provided them a value of $75k. I wonder if this discrepancy causes any mistrust to be felt from the prospective employer's side

What should he ask for at this point? He'd like to accept the position at $80k with the $10k signing bonus... Should he respond asking for a higher rate of $90k as a buffer/starting point, alongside the $10k signing bonus?

He's concerned about asking for $90k, as it's too far away from the initial $60k/year (+$10k performanance bonus), such that they'd say we're too far apart, and discontinue negotiations...

This is a big multi national, so they have the money...but HR has restrictions per the job level...
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Best way to negotiate job (game theory?)
Added on : Sunday December 15th 2013 09:00:09 PM
g: 0 Posted By: ptanders
Views: 63 Replies: 0 A friend has received a job offer in a sci/tech field for $60k/year, with $10k signing bonus (vests at end of year 1), and an additional $5k performance bonus if he meets criteria at the 1 year line.

His current position is $70k. He told prospective HR he's earning $75k including 401(k) matches (but excluding 10k annual bonus and tons of other perks that accumulate to generate significant value). The prospective firm's HR folks have third party databases to show he's closer to the actual of $70k base salary, whereas the friend provided them a value of $75k. I wonder if this discrepancy causes any mistrust to be felt from the prospective employer's side

What should he ask for at this point? He'd like to accept the position at $80k with the $10k signing bonus... Should he respond asking for a higher rate of $90k as a buffer/starting point, alongside the $10k signing bonus?

He's concerned about asking for $90k, as it's too far away from the initial $60k/year (+$10k performanance bonus), such that they'd say we're too far apart, and discontinue negotiations...

This is a big multi national, so they have the money...but HR has restrictions per the job level...
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g: 0 Posted By: remick
Views: 53 Replies: 0 http://www.amazon.com/SCIENCE-MIDDLE-EARTH-Explaining-Greatest-ebook/dp/B00AMPHXBC

This page-turning, fun and accessible book by Henry Gee, a senior editor at Nature, gives readers a behind-the-scenes look at the science behind the magic in J.R.R. Tolkien's fantasy classics THE HOBBIT and The Lord of the Rings trilogy. Learn how dragons breathe fire, the hidden high-tech of the elves, how orcs reproduce, why seeing-stones work, whether balrogs have wings, and much much more about the magic found throughout Middle Earth. Gee's writing style is accessible and delightful, and he makes a great case that "Tolkien's own worldview was closer to the true spirit of science than that held by many who propose to promote the public understanding of science.
Totally Free Deals
Best way to sell car (Private Party)
Added on : Monday December 09th 2013 02:00:14 PM
g: 0 Posted By: trekwars2000
Views: 231 Replies: 0 So I just flew down to PHX and drove a new car back to Vegas. I ended up getting almost 20% off MSRP on the new car. We first looked at gently used (2-3 years old) but when looking it didn't make much sense to buy something for a similar price with 30K miles. Great deal IMO. However, I now need to sell my old car. The car is a 2006 BMW 750Li with 82K miles with a bit of road rash on the front bumper. I'm having that taken car of tomorrow for ~$300. After I get it handled, any thoughts on the best way to sell it? I will run it by a CarMax to get the "rock bottom" number (basically wholesale price). KBB for good is 15.5K trade in and 18K PPV, for very good you can add about $500. Realistically, the car is between good and very good condition after I get this taken care of (probably closer to good). I don't know what I can get for it... There is one 06 750Li listed in my area with similar miles for 22K PP sale. I would probably list it near 20K.

I was looking at Auto Trader and other listing websites. I also thought about putting it on the Air Force Base "Lemon Lot", but I'm not sure that listing an 8 year old car for nearly 20K is going to get many leads on base. Auto Trader has a sell with expert help section where they take 30 pics and do an inspection report, screen calls, set up your add and give pricing help, and it ends up in the featured/spotlight area. In addition, they link in a carfax type report for buyers. This listing is $360 and if it doesn't sell within 120 days you can get a refund of all but $120. Of course, I could take out an add in the paper, but since I don't read a paper I'm not sure how much spotlight this gets.

Any thoughts and help would be great.
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Mountain Hardwear Chuter 28 Backpack $74.97 FS
Added on : Tuesday December 03rd 2013 09:00:03 AM
g: 0 Posted By: tedhawkins
Views: 10 Replies: 0 Mountain Hardwear Chuter 28 Backpack $74.97 FS

http://www.backcountry.com/mountain-hardwear-chuter-28-backpack-...



The designers at Mountain Hardwear teamed up with veteran ski mountaineer Andrew McLean to make the Chuter 28 Backpack with a smart blend of backcountry tech. This midsized pack throws down with smart, gimmick-free construction, easy access to avy gear, and enough room to keep you stocked on an all-day tour or a multi-day hut tour (if you're a light packer).

Hardwave back panel is flexible on the y-axis but provides excellent torsional rigidity for an exceptional combination of mobility and support
Rear panel zipper opens into main compartment for easy access when your pack is resting in the snow
28-liter size hauls enough gear for a day-long tour or even a lightweight weekend tour
Mesh-lined wet locker under the front flap gives you quick access to avy gear and stores it separately so your shovel doesn't drip all over your extra layers after you dig your snow pit
Sturdy construction hauls 15-30lb loads
420D nylon is tough enough to handle occasional branch swipes
Fleece-lined goggle pocket with water-resistant zipper keeps your eyewear handy
A-frame ski carry system holds your skis closer to your body for a balanced center of gravity
Adjustable, stowable ski loops let you carry your skis diagonally and tuck out of the way so you don't have excess loops flapping around
Versatile strap system can also carry a snowboard or snowshoes
Daisy chains on top of and underneath the front flap give you options for attaching your helmet and assorted gear

g: 0 Posted By: orangecolt
Views: 119 Replies: 1 https://www.banking.barclaysus.com/online-savings.html

0.95% interest for the Dream Account vs 0.90% for the regular savings account

(click on the Dream Account Tab)

Here's how it works:

Deposit up to a maximum of $1,000 of savings each month into your account.
Every time you make consecutive deposits for six months, well give you a 2.5% bonus on the total interest you earned over that time.4
Make no withdrawals for six consecutive months and earn another 2.5% bonus on the past six months of interest earned.4
Smart savings decisions can earn you one or both bonuses, getting you closer to your dream.

(Fine Print: 4. A bonus of 2.5% will be applied to interest accrued and paid in the previous six(6) months if six(6) consecutive monthly deposits are made to the account in the amount of $1,000 or less. A bonus of 2.5% will be applied to interest accrued and paid in the previous six(6) months, if there are no withdrawals from the account in any of the previous six(6) months. Bonuses will be paid to the account at the end of the month which the applicable conditions have been met.)

I will be opening up six dream accounts (and subsequently make 6 monthly transfers from my main Barclays account into my six dream accounts, so I don't incur the fee for doing more than 6 monthly withdrawals from a savings account). This way I can maximize the extra interest in the account (0.95% vs 0.90% for the regular savings) and maximize the 2.5% bonus on the amount of interest earned in the 6 month time periods mentioned above. I figure you can probably open up more than 6 Dream Accounts per regular savings account and just earn the extra interest instead of also getting the 2.5% bonus on the interest earned. But, you'll need to wait a month to open the extra dream accounts, since you'll be charged $5 for each transfer over 6 to fund the accounts from your Barclays account.

I didn't see any language on the website preventing getting the bonus by making transfers from other Barclays accounts.

It's not a lot of extra money, but it took me a minute to set up all 6 accounts, and the monthly transfers will be automatically set up, so seems like minimal effort for some extra money.
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Starts 12/2 Nintendo 3DS XL Mario Bundle $199.99 @ Target
Added on : Friday November 29th 2013 05:00:04 AM
g: 0 Posted By: bru20
Views: 106 Replies: 0 Starts 12/2

Special Purchase, Available Monday 8AM.

Nintendo 3DS XL Mario bundle includes game system and pre-installed Mario & Luigi Dream Team game.

Use REDcard to save an additional 5% and maybe the 20% coupon you got on BF.

Yes there are better BF deals now but for those who miss out or want this version. And using the discounts above will bring it closer anyway.

Nintendo 3DS Deals

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STOP & SHOP - Gas Gift Card Deal - Save Up to $70.00 - Ends 12/31/13
Added on : Wednesday November 27th 2013 08:00:10 PM
g: 0 Posted By: BigBoyMichigan
Views: 230 Replies: 0 Stop & Shop Gift Card Gas DealStop & Shop will have a Gift Card Gas Rewards Deal where you can earn 4x Gas Rewards on all Gift Card Purchases. The normal rewards are 100 points for $0.10 so, for this reward, you will get $0.40 ($0.10 x 4) for every $100 you spend in gift card purchases which you can use on up to 35 gallons of gas.This turns into a money maker since you are buying the gift cards and using them as you would cash. The only variables will be buying a Visa, Mastercard or American Express which will have an activation fee. There is no activation fee for store cards.Also, the amount you make on your gift card purcahse will depend on how much you fill up at the gas station. Here is a breakdown of the different Gift Card purchases you can make with different amounts you can make based on how much you filled up. Some gas stations will allow you to fill up 2 cars or use gas containers to get the remainder of gas at the discounted price. Be sure to check with your gas station.Buying $100 Gift Cards:

Get $0.40 off per gallon for 35 gallons of gas = $14
Get $0.40 off per gallon for 30 gallons of gas = $12
Get $0.40 off per gallon for 25 gallons of gas = $10
Get $0.40 off per gallon for 20 gallons of gas = $8
Get $0.40 off per gallon for 15 gallons of gas = $6

Buying $200 in Gift Cards:

Get $0.80 off per gallon for 35 gallons of gas = $28
Get $0.80 off per gallon for 30 gallons of gas = $24
Get $0.80 off per gallon for 25 gallons of gas = $20
Get $0.80 off per gallon for 20 gallons of gas = $16
Get $0.80 off per gallon for 15 gallons of gas = $12

Buying $300 in Gift Cards:

Get $1.20 off per gallon for 35 gallons of gas = $42
Get $1.20 off per gallon for 30 gallons of gas = $36
Get $1.20 off per gallon for 25 gallons of gas = $30
Get $1.20 off per gallon for 20 gallons of gas = $24
Get $1.20 off per gallon for 15 gallons of gas = $18

Buying $400 in Gift Cards:

Get $1.60 off per gallon for 35 gallons of gas = $56
Get $1.60 off per gallon for 30 gallons of gas = $48
Get $1.60 off per gallon for 25 gallons of gas = $40
Get $1.60 off per gallon for 20 gallons of gas = $32
Get $1.60 off per gallon for 15 gallons of gas = $24

Buying $500 in Gift Cards:

Get $2.00 off per gallon for 35 gallons of gas = $70
Get $2.00 off per gallon for 30 gallons of gas = $60
Get $2.00 off per gallon for 25 gallons of gas = $50
Get $2.00 off per gallon for 20 gallons of gas = 40
Get $2.00 off per gallon for 15 gallons of gas = $30

Here are some examples of deals you can do:Buy $100 Store Gift Cards (requires no activation fees)
Pay: $100.00
Get $0.40 off per gallon of gas up to 35
Money Maker of $14 if you fill up with 35 gallons
(see Buying $100.00 Gift Cards above for the different amounts)Buy $100 Visa, MasterCard or Amex
Activation Fee $4.95 $5.95
Pay as low as $104.95
Get $0.40 off per gallon of gas up to 35 gallons
Money Maker of $9.05 ($14 $4.95 activation fee) if you fill up with 35 gallons
(see Buying $100.00 Gift Cards above for the different amounts)Buy $500 Store Gift Cards (requires no activation fees)
Pay: $500.00
Get $2.00 off per gallon of gas up to 35 gallons
Money Maker of $70 if you fill up with 35 gallons
(see Buying $500.00 Gift Cards above for the different amounts)Buy $500 Visa, MasterCard or Amex
Activation Fee $8.95 (average amount for higher value cards)
Pay as low as $508.95
Get $2.00 off per gallon of gas up to 35 gallons
Money Maker of $61.05 ($70 $8.95 activation fee) if you fill up with 35 gallons
(see Buying $500.00 Gift Cards above for the different amounts)Before you do these gift card deals, be sure to check to see if there is aparticipating Shell station near you. And, check their prices to be sure the savings per gallon is still a good deal in case your Shell prices are higher than other gas stations in your neighborhood.Remember, although you are paying money out of pocket for the gift card, you would be using this gift card as if you were using cash on things you would have purchased anyway, so this savings at the gas station is all extra savings! Be sure to keep your eye out for Gift Card Catalina Deals as well. These usually pop up as the holiday season gets closer and are my favorite deals.

Source: Living Rich with coupons


Check out BIGBOYMICHIGAN'S other Fatwallet Deals -Click Here
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g: 0 Posted By: remick
Views: 148 Replies: 0 http://www.amazon.com/Drawing-Closer-God-Meditations-Questions-ebook/dp/B00B853VY8

4.6 out of 5 stars with 22 reviews

The Bible is full of questions asked by God, Jesus, ordinary people, Satan, and even a donkey. Some are questions that we've wrestled with but have been reluctant to voice. Others are asked to comfort, to convict, or to reinforce spiritual principles.Drawing Closer to Godexamines 365 of these questions to uncover biblical truth readers can apply personally to their lives. Each devotional concludes with a question designed to encourage reflection and prayer, leaving readers with practical takeaway and a renewed appreciation for God's Word.
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30 day notice question
Added on : Saturday November 23rd 2013 02:00:06 PM
g: 0 Posted By: jonsudra
Views: 131 Replies: 6 In California and my lease is up November 30, 2013. The leasing office has been calling me and told me if I don't renew by 1 week prior to my lease ending they would switch me over to month to month but I said I don't want to continue my lease here so I can move closer to work but now they are saying I am responsible for rent for 30 days from giving them notice. Just wondering if this is true. From my lease I had the understanding that I only had to give notice if I was on a month to month. I haven't signed a new lease anywhere else yet I just hate my commute and want to move closer to work as soon as possible. So do I have to suck it up here for additional time or can I get out on the date of my lease ending. Thanks!

From the lease:
3. Term: This agreement shall commence on Wednesday, August 14, 2013 and continue (check one only): Through Saturday, November 30, 2013. If resident holds over after expiration of the term and landlord accepts rent from resident at the below-specified rent, the tenancy will continue on a month-to-month basis.
[this is a check box on the Lease but is not checked] on a month-to-month basis until either party shall terminate the tenancy by the giving of written notice to the other of intention to terminate at least (30) days prior to the date of termination.

9.Termination of Resident: Termination of Residency:
A) If the term provided in Paragraph 3 above is for more than month-to-month, this agreement shall be deeded a lease for said term; any holdover thereafter shall be from month-to-month on the terms and conditions of this Agreement.
B) Resident may terminate this tenancy by giving thirty (30) days prior WRITTEN notice to Resident Manager at the Rental Office and resident shall remain liable for the entire rent for said thirty (30) day period and, should notice be given prior to the expiration of lease for a term, resident will be held liable for the entire balance of the lease for said term.
C) Any holding over by resident beyond said thirty (30) day period without the prior written consent of Owner shall be deemed a Tenancy of Sufferance without the consent of the Owner, and Resident shall be liable to Owner for treble rent as damages.
D) Owner may elect to treat the tenancy as not terminated until all personal property of Resident has been removed from the Premises and/or all keys returned to owner. Resident also understands that should the Resident not fulfill the term of the lease as stated in Section 3, all concessions given must be repaid immediately upon vacating premises.

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HORRENDOUS roommate situation, help need!
Added on : Saturday November 23rd 2013 08:00:06 AM
g: 0 Posted By: natevines
Views: 1 Replies: 0 Okay, I'm a 24 year old who got an internship in mid sept to mid dec in the DC area. The initial room I found on craigslist was great, but way farther than I had an anticipated.

In mid october, I posted on Craigslist looking for another room. Got a response for a room closer from a man who said he was "closeted". I responded curious as to why he would tell me this as I don't care. I'm not gay, but have no problem living with someone who is. We met up, and the house was great, room was great, and amenities seemed great.
After about a week, he was subtly making passes at me. Wanted me to watch porn with him and began taking out his penis and masturbating. I left the room and went upstairs to mine, and we got into a back and forth texting. He sent me pictures of his penis and asked me for the same. I refused, and eventually it was established that I wasn't interested. He begged that I not tell anyone (he had adult children about my age) and I thought all was well.
Now, this gentleman's job demands that he be gone for days at a time. During this time, I take care of feeding his dog and cat, and letting the dog out. No big deal. But things became increasingly tense. He condescendingly tells me all the things I'm doing wrong and accused me of taking his Kcups and other things. I'm very clean and turn off all the lights all the time, but he texts me passive aggressive things like "The power bill was more than I expected. Whatever". Hard to explain, but he talks down to me and messes with my head. I volunteered to buy a pack of kcups and he doesn't even thank me for them. I told him my girlfriend would be coming for one weekend while I was staying, and he texted me more passive aggressive things to the effect that "this isn't a hotel".

So here's where it comes to a head. The fan in the room is a hampton bay and has remote in a bracket on the wall. I come back from work yesterday and the remote is gone. I ask him about it, and he doesn't know. I check the bathroom. Nowhere to be found. While I'm in my room, he comes up and puts it in the bathroom. Texts me and says he accidentally took it when he went to turn off the fan I had left on (I'm 90% sure I didn't leave it on). I go to use the remote and it doesn't work, so I pull the chains on the fan and it still doesn't work. Text him and tell him, and he's flipping out that I pulled the chains, claiming no one has ever done that, and that was the reason it was broken. He texts me demanding I pay $75 to fix it. I agree. I also tell him that I'm moving out mid-month, and he flips out, telling me I'm "trying to live for free". He takes his rent in advance, so I wanted to calculate the prorated amount. He tries to tell me I need to leave, but eventually says it's okay for me to stay.

I don't want to pay for the fan, and I don't want to live here anymore. But I don't have a lot of money, and it's unlikely he'll return the rent for the rest of Nov which I paid in advance. Right now he's texting me accusing me of taking a coke can. I don't even drink regular coke, haven't in years. I want to go home and pack my car, but I don't know where I'd go and am scared it will turn into a confrontation if he's home while I'm packing. Plus, I have lots of perishable food. I'm not sure if he's deliberately trying to force me out, but this is the most unfair situation I've ever been. I'm a good tenant, respectful, courteous and right now am trying to concentrate on taking my LSAT beginning of december so I need study time peaceably. I don't deserve this at all. It's not right. We don't have a formal contract or anything. What should I do?
g: 1 Posted By: Virgil27
Views: 452 Replies: 3 Cold Front Men’s Multi-task Pro Balaclava with Water and Wind Proof Front Panel @ Walmart - $10.00
compare at $24.99
Shipping adds $4.95.Stare Old Man Winter in the face with this Cold Front Men's Balaclava with Water and Wind Proof Panel for $10 off shipped. Not only does this item protect you from the elements, but it also brings you one step closer to the ultimate life goal: becoming a ninja. (FatWallet Deal Hunter staff posts are certified ad-free. No money, bribes, or candy have been accepted.)
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Working from Home / State Income Tax
Added on : Sunday November 17th 2013 09:00:06 AM
g: 0 Posted By: investingstuff1971
Views: 57 Replies: 2 Hi,

First of all, apologies in advance if this is an appropriate topic for a new thread. I recall that there used to be a stickied tax thread, but I don't see it now. In any event, here is the situation: I currently own two houses. My primary address and address of record for almost everything official is in a suburb of Phoenix, AZ and my second home is near Yuma, AZ, which for the geographically challenged is right on the Arizona side of the Arizona / California border. I work from home for a very large software company with offices all around the country. I am assigned to the office in Phoenix, though I have only actually gone into the office three times in six years. Thanks to Ooma, I am able to work transparently from either home. As time goes by and for various reasons, I've started spending more and more time at the second house. So much so that it's really hard to justify the expenses related to maintaining both residences and I'd really like to sell the first and just make the house near Yuma my official and only residence. The rub though is that if I change my address with my company, I would assume that they will reassign me from the Phoenix office to the San Diego, CA office which is much closer to the home in Yuma. My question then is whether there is any chance that this will put me on the hook for California state tax? I've spent about an hour googling around and I seem to get conflicting information. And most of what I did find applies to the case where I would actually be commuting daily to the California office to work. I'm really keen to make this change, but don't want to screw myself. Does anybody know if I have anything to worry about?

Thanks and apologies for the rambling post.
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g: 0 Posted By: phlippant
Views: 121 Replies: 1 Link

Lethal Weapon 1-4
Gritty Thrillers: Unknown, Se7en, Training Day, Edge of Darkness
Batman: Batman, Batman Returns, Batman Forever, Batman & Robin
Kids & Family: Legend of the Guardians, Where the Wild Things Are, Yogi Bear, Space Jam
Sci Fi Action: I am Legend, V for Vendetta, Blade, Constantine
Teenage Mutant Ninja Turtles 1-4
Guy Comedies: Harold & Kumar Go to White Castle, Harold & Kumar Escape from Guantanamo Bay, A Very Harold & Kumar Christmas, Beerfest
Action Thrillers: Ninja Assassin, Blood Diamond, Domino, Executive Decision
Blades & Battles: Mortal Kombat 1-3, Spawn
Comics: Watchmen, The Losers, Jonah Hex, A History of Violence
Matrix 1-3, Animatrix
Romantic Comedy: Sex And The City 1-2, New Year's Eve, Valentine's Day
Family Fantasy: Beetlejuice, Neverending Story, Scooby-Doo, Willy Wonka (Gene Wilder)
Dirty Harry 1-4
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g: 13 Posted By: archena
Views: 2602 Replies: 4 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase

Secrets of a Master Closer: A Simpler, Easier, and Faster Way to Sell Anything to Anyone, Anytime, Anywhere [Kindle Edition] was $6.95

Mike Kaplan (Author)

http://www.amazon.com/dp/B008B6V6YO

Publication Date: June 12, 2012

Publisher: Oculus Publishers, Inc.

65 Reviews ★★★★.5

#5 inKindle Store > Kindle eBooks > Business & Investing > Marketing & Sales > Sales & Selling

#10 inKindle Store > Kindle eBooks > Business & Investing > Small Business & Entrepreneurship > Entrepreneurship

If you want to know, step by step, how to quickly, easily, and smoothly walk anyone from being a skeptical prospect to a happy customer that refers you friends, family, and colleagues...then you want to read this book.

Here's the deal:At its core, selling isn't a patchwork of cheesy closing techniques, annoying high-pressure tactics, or gimmicky rebuttals.

True salesmanship follows very specific laws, has very specific steps and stages, and leaves a customer feeling happy and helped. It's honest, respectful, enlightening, friendly, and done with real care. It's the type of selling that wins you not only customers, but fans.

Not coincidentally, this is the type of selling that truly great salespeople have mastered. This is the type of selling that keeps pipelines full and moving, and that builds a strong, loyal customer base that continues to give back to you in the form of customer loyalty, reorders, and referrals.

Well, that's what this book is all about. It will give you a crystal-clear picture of the exact steps that every sale must move through and why, and how to methodically take any prospect through each, and eventually to the close. And how to do it with integrity and pride.

In this book, you'll learn things like...

The eight precise steps of every sale. Leave any out, and you will struggle. Use them all correctly, and you will be able to close unlimited sales.
The true purpose of the presentation and the Crucial, often-missing steps that need to be taken first. If you're making the same presentation mistakes as most other salespeople, this chapter alone could double your sales.
How to easily discover which prospects can use and pay for your product/service, and which can't. Time is your most valuable commodity as a salesperson, and if wasted, it costs you money.
Learn how to smoothly create an abundance of closing opportunities, and know when to act on them and close. This is the hallmark of every master closer. Learn it, use it, and profit.
Why it's a myth that you need to know multiple ways to close deals. Learn this one, simple method, and you'll be able to use it to close all of your sales.
Simple formulas to turn any objection into a closing opportunity. Use them and never fear hearing a prospect's objection ever again.
And a whole lot more!

This is more than a just a book, really. It's a step-by-step sales training course. Each chapter ends with precise exercises that will help you master each technique taught and each step of the sales process.

If you are new to sales, make this book the first one you read, and you will greatly increase your chances for quick success.

If you are a seasoned veteran and are looking for ways to improve your numbers, this book will help you make your sales goals a reality.

SPECIAL BONUS FOR READERS!

With this book you'll also get a free "Road Map" from the author that lays out, in a PDF chart, every step and key principles taught in the book.

Print it out and keep it handy because it makes for a great "cheat sheet" to use while selling, or just to refresh on what you've learned.
From the AuthorHi,

I'm Mike, and I spent six years building and ultimately selling a multi-million dollar software sales company, AllMicro.

I attribute my success most to my ability to sell, which helped me not only get into the business in the first place, but train hundreds of salespeople over the years to build a large, productive sales force.

My experience teaching has shown me that everyone has the potential to be a great salesperson. It only takes three things.

First, you have to know the fundamental principles of selling. No amount of trick techniques or gimmicks can replace an understanding of the underlying laws of sales and persuasion.

Second, you have to know the precise steps that every sale must go through, and how to smoothly walk prospects through each. If you can't, you'll never reach your full potential as a salesperson.

Third, you have to have a strong desire to succeed. I know that sounds trite, but it's true--the best salespeople are inevitably the most driven. Fortunately, once you have the first two prerequisites, this final one usually takes care of itself.

Whether you're new to sales and have no experience or are a seasoned veteran looking for a way to boost your numbers, I can help you.

In my book you'll find the most important principles, techniques, and training exercises that I isolated, tested, and codified during my twenty years in sales and sales training. Regardless of what you're selling, this book will help you sell more and sell faster. This may just be the only book you need to read on sales, but I'll let you be the judge of that.

I hope you enjoy my book and I'd love to hear from you.

Sincerely,

Mike

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School Taxes
Added on : Friday October 25th 2013 06:00:06 PM
g: 0 Posted By: Milay
Views: 66 Replies: 0 Hello FWFers,

I just received a notice that I have a huge escrow shortage for my rental property. I took a look closer and compared it to the previous year's disbursement and see a new line that I have not seen in previous years: School Tax. While I realize it's something everyone has to pay when they own property, I (wrongly) assumed it was part of the other misc. taxes taken out. I also assume what this means is that I owned property for 4 years and never paid school tax.

Should I be concerned someone is going to come after me for the other years taxes?

Thanks in advance.
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g: 0 Posted By: archena
Views: 49 Replies: 0 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase

Secrets of a Master Closer: A Simpler, Easier, and Faster Way to Sell Anything to Anyone, Anytime, Anywhere [Kindle Edition] was $6.95

Mike Kaplan (Author)

http://www.amazon.com/dp/B008B6V6YO

Publication Date: June 12, 2012

Publisher: Oculus Publishers, Inc.

65 Reviews ★★★★.5

#12 in Kindle Store > Kindle eBooks > Business & Investing > Marketing & Sales > Sales & Selling

If you want to know, step by step, how to quickly, easily, and smoothly walk anyone from being a skeptical prospect to a happy customer that refers you friends, family, and colleagues...then you want to read this book.

Here's the deal:At its core, selling isn't a patchwork of cheesy closing techniques, annoying high-pressure tactics, or gimmicky rebuttals.

True salesmanship follows very specific laws, has very specific steps and stages, and leaves a customer feeling happy and helped. It's honest, respectful, enlightening, friendly, and done with real care. It's the type of selling that wins you not only customers, but fans.

Not coincidentally, this is the type of selling that truly great salespeople have mastered. This is the type of selling that keeps pipelines full and moving, and that builds a strong, loyal customer base that continues to give back to you in the form of customer loyalty, reorders, and referrals.

Well, that's what this book is all about. It will give you a crystal-clear picture of the exact steps that every sale must move through and why, and how to methodically take any prospect through each, and eventually to the close. And how to do it with integrity and pride.

In this book, you'll learn things like...

The eight precise steps of every sale. Leave any out, and you will struggle. Use them all correctly, and you will be able to close unlimited sales.
The true purpose of the presentation and the Crucial, often-missing steps that need to be taken first. If you're making the same presentation mistakes as most other salespeople, this chapter alone could double your sales.
How to easily discover which prospects can use and pay for your product/service, and which can't. Time is your most valuable commodity as a salesperson, and if wasted, it costs you money.
Learn how to smoothly create an abundance of closing opportunities, and know when to act on them and close. This is the hallmark of every master closer. Learn it, use it, and profit.
Why it's a myth that you need to know multiple ways to close deals. Learn this one, simple method, and you'll be able to use it to close all of your sales.
Simple formulas to turn any objection into a closing opportunity. Use them and never fear hearing a prospect's objection ever again.
And a whole lot more!

This is more than a just a book, really. It's a step-by-step sales training course. Each chapter ends with precise exercises that will help you master each technique taught and each step of the sales process.

If you are new to sales, make this book the first one you read, and you will greatly increase your chances for quick success.

If you are a seasoned veteran and are looking for ways to improve your numbers, this book will help you make your sales goals a reality.

SPECIAL BONUS FOR READERS!

With this book you'll also get a free "Road Map" from the author that lays out, in a PDF chart, every step and key principles taught in the book.

Print it out and keep it handy because it makes for a great "cheat sheet" to use while selling, or just to refresh on what you've learned.
From the AuthorHi,

I'm Mike, and I spent six years building and ultimately selling a multi-million dollar software sales company, AllMicro.

I attribute my success most to my ability to sell, which helped me not only get into the business in the first place, but train hundreds of salespeople over the years to build a large, productive sales force.

My experience teaching has shown me that everyone has the potential to be a great salesperson. It only takes three things.

First, you have to know the fundamental principles of selling. No amount of trick techniques or gimmicks can replace an understanding of the underlying laws of sales and persuasion.

Second, you have to know the precise steps that every sale must go through, and how to smoothly walk prospects through each. If you can't, you'll never reach your full potential as a salesperson.

Third, you have to have a strong desire to succeed. I know that sounds trite, but it's true--the best salespeople are inevitably the most driven. Fortunately, once you have the first two prerequisites, this final one usually takes care of itself.

Whether you're new to sales and have no experience or are a seasoned veteran looking for a way to boost your numbers, I can help you.

In my book you'll find the most important principles, techniques, and training exercises that I isolated, tested, and codified during my twenty years in sales and sales training. Regardless of what you're selling, this book will help you sell more and sell faster. This may just be the only book you need to read on sales, but I'll let you be the judge of that.

I hope you enjoy my book and I'd love to hear from you.

Sincerely,

Mike

Totally Free Deals
Playstation Network Sale of the Dead 10/22-11/4 games 50-75% off
Added on : Tuesday October 22nd 2013 04:00:02 AM
g: 0 Posted By: SpasticCracka
Views: 72 Replies: 0 There are some pretty decent deals here for horror-themed games and movies. There are some newish games like The Last of Us ($44.99/$35.99 PS+) and Puppeteer (27.99/$19.59 PS+). See the link for complete list.

This sale also overlaps with the $10 back on $50 promo running through 10/29, so picking up a few games at once should yield even more savings. PS+ members definitely get the best discount, so you could buy a 1-year membership for $49.99 - $10 = $39.99 to get closer to 80% off all sale games.

http://blog.us.playstation.com/2013/10/21/sale-of-the-dead-disco...
PS3 Games Deals
250 Virgin America Elevate Points - Facebook
Added on : Monday October 21st 2013 02:00:08 PM
g: 0 Posted By: remick
Views: 136 Replies: 0 https://www.facebook.com/VirginAmerica/app_143103275748075

Enter your info by November 21 to earn Elevate points, plus a chance for you and your plus-one to win a dream trip to Dubai with Emiratesour newest Elevate partner and Dubais flagship airline thats offering world-class service, gourmet cuisine, and award-winning in-flight entertainment.

Youll get 250 Elevate points just for entering, and once youre in the running, youll get one entry closer to an international getaway for every friend you tell about the sweepstakes.*
Memberships & Services Deals
home depot: $2.97 Brinkmann Metal Meat Hook (in-store pickup)
Added on : Sunday October 20th 2013 06:00:03 AM
g: 1 Posted By: VivYip
Views: 123 Replies: 0 it's getting closer to halloween and I couldn't resist? ^_^

Home Depot has this item for $2.97 with in-store pickup

Brinkmann Metal Meat Hook
PRODUCT OVERVIEW

No cut of meat is too great when you're flipping/turning with the Brinkmann Metal Meat Hook. These durable, extra long, 18-1/2 in. meat hooks are constructed from stainless steel and feature a wood handle with a storage loop on the end for quick access and easy storage. Handle your beef, poultry or pork from a safe distance with ease using the Brinkmann Metal Hook.

The ultimate tool for grilling and smoke cooking
Ideal for flipping and turning ribs, chicken, steaks and sausages
Constructed of stainless steel with wood handle
Contoured, wooden handle fits comfortably in hand and the extra long steel hook keeps hand safely away from fire
Cleans easy with soap and warm water
MFG Model # : 812-9228-S
MFG Part # : 812-9228-S

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

Home Depot Coupons
g: 3 Posted By: remick
Views: 1288 Replies: 0 http://www.amazon.com/Cleaning-House-Begging-Parents-ebook/dp/B00AIUXRBG/

5.0 out of 5 stars with 7 rewiews

Q: Why buy the "Begging" Book?

A: It will take you from "Nagging To Bragging" in a fun way. It will help turn one of the most unpleasant parts about being a parent - hounding kids to do their chores - into opportunities to not only have fun, but grow closer as a family.
It's completely unique from any other parenting book. There is no other collection of cleaning games and activities that offers such a range of ideas, from the quick and easy, to the ambitious and unforgettable.
Inside you'll find colorful graphics, fun and funny music, "edu-taining" stories, and "click and go" resources.
There's link to a free gift - an eBook about how to quickly stop tantrums and fighting.
Actually . . . you can get the Kindle version of this book for free.
Pick up the free sample . . . or if you've got Amazon Prime, just borrow
it - no charge! And now, thanks to MatchBook - you can get a free copy of the Kindle version when you buy the hardcopy.
When you get to the last page, instead of finding "The End" - you'll find it's just the beginning! There's an interactive website, a free report, a "Parents' Toolbox" newsletter, and a place for parents to keep the flow of ideas and support coming!

HERE'S A TASTE of what you can expect . . .

Imagine hearing, "Mommmmmm! Can we pleeeeese clean the house nowwww?!"

Imagine seeing your child - the one that's so resistive to helping - cleaning up without being asked . . . and even nagging you for a chance to help out.

Should this book be in the fiction section? Things like that don't happen in the real world - do they?!

"Cleaning Games: How To Get Your Kids Begging For Chores" is about how "work and fun can be one" by using the D.N.A. of F-U-N to help both parents and kids get what they want when there's a job to be done! It's loaded with "recipes" that can turn any task into an unforgettable family memory-making-moment.

Find out how to roar with laughter while you're doing your laundry.
Play "Bomb Squad" and have your house cleaned in record time.
Learn the secret to getting your kids to pick up each others messes.
Get free access to Radio "WUHU" (read "Wooooh! Hoooooh!") with fun and funny music to lighten the load.
Find out what "Happy Bucks" are
. . . and so much more!

Then, you'll learn how to come up with your own "secret family recipes" to make work a treat.

This book also gives families access to Cleaning-Games.com with even more goodies for families.
Totally Free Deals
g: 0 Posted By: remick
Views: 147 Replies: 0 http://www.amazon.com/Cleaning-House-Begging-Parents-ebook/dp/B00AIUXRBG/

5.0 out of 5 stars with 7 rewiews

Q: Why buy the "Begging" Book?

A: It will take you from "Nagging To Bragging" in a fun way. It will help turn one of the most unpleasant parts about being a parent - hounding kids to do their chores - into opportunities to not only have fun, but grow closer as a family.
It's completely unique from any other parenting book. There is no other collection of cleaning games and activities that offers such a range of ideas, from the quick and easy, to the ambitious and unforgettable.
Inside you'll find colorful graphics, fun and funny music, "edu-taining" stories, and "click and go" resources.
There's link to a free gift - an eBook about how to quickly stop tantrums and fighting.
Actually . . . you can get the Kindle version of this book for free.
Pick up the free sample . . . or if you've got Amazon Prime, just borrow
it - no charge! And now, thanks to MatchBook - you can get a free copy of the Kindle version when you buy the hardcopy.
When you get to the last page, instead of finding "The End" - you'll find it's just the beginning! There's an interactive website, a free report, a "Parents' Toolbox" newsletter, and a place for parents to keep the flow of ideas and support coming!

HERE'S A TASTE of what you can expect . . .

Imagine hearing, "Mommmmmm! Can we pleeeeese clean the house nowwww?!"

Imagine seeing your child - the one that's so resistive to helping - cleaning up without being asked . . . and even nagging you for a chance to help out.

Should this book be in the fiction section? Things like that don't happen in the real world - do they?!

"Cleaning Games: How To Get Your Kids Begging For Chores" is about how "work and fun can be one" by using the D.N.A. of F-U-N to help both parents and kids get what they want when there's a job to be done! It's loaded with "recipes" that can turn any task into an unforgettable family memory-making-moment.

Find out how to roar with laughter while you're doing your laundry.
Play "Bomb Squad" and have your house cleaned in record time.
Learn the secret to getting your kids to pick up each others messes.
Get free access to Radio "WUHU" (read "Wooooh! Hoooooh!") with fun and funny music to lighten the load.
Find out what "Happy Bucks" are
. . . and so much more!

Then, you'll learn how to come up with your own "secret family recipes" to make work a treat.

This book also gives families access to Cleaning-Games.com with even more goodies for families.
Totally Free Deals
g: 0 Posted By: DaysFan
Views: 166 Replies: 0 http://sni.scholastic.com/
website
Every week Scholastic News brings teachers and students high-quality nonfiction on fascinating seasonal science and social studies themes. This engaging first-grade magazine has been specifically designed to help educators meet standards with a helpful Common Core toolkit and lesson plans, clear standards connections, and texts that increase in complexity as the year progresses.

link
Take a closer look at Scholastic News:

Exciting weekly nonfiction covers seasonal topics that connect directly to your science and social studies curriculums.
Common Core Tool Kits help you teach one "spotlight" standard with every issue. Tool Kits include a comprehensive lesson plan, challenging skills pages, and fun online activity.
High-quality nonfiction grows in complexity as the year progresses and your students become more proficient readers.
http://www.scholastic.com/sni expands and enhances the print magazine with digital editions, show-stopping videos, rigorous skills games, and printables.
BIG Issues and seasonal Easy Easel posters make it easy to share Scholastic News with your whole class!
Printed Teachers Guides for each issue feature comprehensive lesson plans and reproducible skills sheets.



Magazines Deals

Scholastic Store Coupons
ebay: $150 Sony Cyber-shot DSC-H200 Digital Camera (F/S)
Added on : Monday October 14th 2013 10:00:03 AM
g: 0 Posted By: VivYip
Views: 111 Replies: 0 credit techbargains

big value inc via eBay has this item for $150 with free shipping

Sony Cyber-shot DSC-H200 Digital Camera
Item specifics
Condition:
New: A brand-new, unused, unopened, undamaged item in its original packaging (where packaging is ... Read more
Brand:
Sony
Optical Zoom:
26x
Model:
H200
Screen Size:
3"
Type:
Bridge Camera
MEPID:
169766642
Megapixels:
20.1 MP
UPC:
027242862241
Detailed item info
Product Information
Capture stunning photos and videos with this Sony Cyber-shot DSC-H200 digital camera, which features a 20.1-megapixel Super HAD CCD image sensor for crisp, detailed images. The 3 LCD display makes it easy to compose a shot or review pictures.

Product Features
20.1-megapixel plus 26x zoom
A powerful 20.1 megapixel CCD image sensor helps you capture gorgeous images with superb contrast and clarity down to the finest detail. With 20.1-megapixels, you can create stunning, photo-quality prints up to A3+ size, or crop your images and still come away with high resolution shots. The 26x zoom Sony lens helps you get much closer to your subjects.
3.0" Clear Photo LCD display
Large 3.0" Clear Photo LCD display features sharp, natural color that makes it easy to compose shots, read menus, and view photos, even in bright sunlight.
720p MP4 HD movie mode
In 720p MP4 movie mode the camera shoots 1280 x 720 high definition movies at 30 fps, a standard format when working with a PC. Create high quality movies with full use of optical zoom in files small enough to transfer to compatible PC or Mac computer.
Optical SteadyShot image stabilization with 2-way active mode
Sony's active mode image stabilization gives you the freedom to shoot movies even while walking or running. 2-way active mode corrects for both vertical and horizontal motion.
Creative shooting with picture and beauty effects
Picture effect adds a new level of expression to photos, making ordinary landscapes and portraits come to life by heightening mood and emphasizing certain attributes. Beauty effects allows edits to skin tones, skin smoothing, shine removal, eye widening, and teeth whitening. Beauty effects can be combined to further enhance the image.
20.1 megapixels; 26X optical zoom w/ optical image stabilization; 3.0" LCD; 720p HD video recording; Sweep Panorama mode; face detection;

Thank you for reading
Cameras Deals
Reverse Mortgage for fun and profit
Added on : Monday October 14th 2013 09:00:13 AM
g: 9 Posted By: brettdoyle
Views: 793 Replies: 31 I recently read an article stating that the FHA will need a $1.7 billion bailout from the Treasury to cover projected losses in its reverse mortgage programs. This got me wondering how they are losing so much money on these mortgages at a time when housing prices are supposedly rising. Until recently I didn't fully understand this program as I am a younger person and reverse mortgages have a negative stigma attached to them. They are generally used by individuals living beyond their means... but when I looked into it and ran the numbers it sounds like a pretty good deal in many scenarios.

A quick background: Reverse mortgages are only for individuals ages 62 or older. You can either take a lump sum payment or receive a payment stream. The home continues to compound principle and interest over time, however you cannot be kicked out of the home no matter how large the mortgages compounds. When that individual passes away, the family has the option to repay the balance and keep the home or leave the collateral to the lender. Any excess equity it kept by the lender. You can borrow up the 75% of the appraisal value.

The system was designed with rules to protect taxpayers such that only the individuals on the mortgage could continue to live in the home indefinitely. You could only qualify if every person on the mortgage was 62 years old, so a couple typically left the younger spouse off the mortgage. Women typically outlive men, and often this meant that when the man died the widow would need to cough up the mortgage balance or else move out of the house. Of course, the losers who made bad decisions didn't like this outcome and looked for ways to prevent it.

Now the interesting part is that AARP ultimately teamed up with these widows, went to court, and somehow got a judge to decide that the widows cannot be kicked out of the homes... even though they never qualified for the reverse mortgage program (which is ridiculous).

http://www.aarp.org/about-aarp/press-center/info-10-2013/Two-Sur...

Ultimately, this could be a really good deal in a situation where a woman is younger than her husband. Consider a homeowner with a $400,000 property who is eligible to borrow up to $300,000. If he has a wife that is 57 years old and assuming she lives until the median expectancy of 82... that would allow her to live in the home for 25 years without ever repaying a cent.

Assuming a 7% annual investment on that $300,000.... after 25 years it would compound into a value of $1,628,230 that could be left to heirs in lieu of a house. This would probably be much larger than the future value of the home... a house is a fixed asset that simply sits there whereas the $300,000 could be employed into active business investments that will compound and generate much higher returns on investment.

What happens after the widow finally dies? As you can imagine, an individual without equity in a home is not going to take great care of the property. They aren't going to renovate the kitchen or do major repairs. The interest and principle compound over decades but the collateral is probably worth no where near that amount. The home gets sold off a large loss relative to the mortgage. Interestingly enough the lender doesn't care if this happens as they won't lose a penny. They get to make a bunch of money off fees and interest and are made whole loans by the US taxpayer as these loans are federally guaranteed. Their goal is to just write as many of these smelly loans as possible.

In more extreme scenarios with a 62 year old male and a 45 year old wife that lives until 95... the payouts could hit $10 million. I also wonder how badly this ruling could be abused. What if the widow decides to marry a younger male? Does that mean he can live in the home for the rest of his life without paying a cent? Could the widow arrange a paper wedding with a 20 year old to give him a free house? Could he then marry someone in turn and keep the home? Who knows... but the losses on these loans are massive.
General Economics Deals
All-Clad Factory Outlet Sale (Pittsburgh Area) December 6th & 7th
Added on : Monday October 14th 2013 03:00:11 AM
g: 0 Posted By: pghphil
Views: 192 Replies: 0 Just a heads up that that the fall/winter All-Clad seconds sale will be held held at the Washington County Fairgrounds in Washington, PA on December 6th & 7th. Usual outlet sale hours are Friday 9:00 a.m to 7:00 p.m and Saturday 9:00 a.m. to 4:00 p.m.

More information will be available as the sale gets closer.
Home & Garden Deals
g: 0 Posted By: INSANECANE
Views: 188 Replies: 0 hp s520


$29.99 after coupon JJC101206



16 Megapixels; for taking super-sharp images and videos
CCD Sensor; comes with extreme precision for delivering pictures with perfect color tones
3 in. LCD display; gives more viewing clarity using maximum resolution of 4656 x 3480
8x Optical zoom; brings a closer view of far-away objects, making it more crisp and clear
6x Digital zoom; increases the image area at the center of the frame, giving superior picture quality
SD Card Slot; gives plenty of space to store all your captured images and videos
Cameras Deals

Tiger Direct Coupons
Starbuck B1G1 free 10/9 - 10/11
Added on : Wednesday October 09th 2013 02:00:02 AM
g: 0 Posted By: fixfox69
Views: 80 Replies: 0 Java Time

Come Together

Our customers do amazing things everyday. A customer buys the next person in line their favorite beveragenot as an act of charity or thanksbut an acknowledgement of commonality and humanity. The gesture is small, but the act is endlessly inspiring.

In times like these, small acts of civility like these make a big difference. With that, we are extending a gesture. If you come into Starbucks and buy someone else their favorite beverage, well give you a free tall brewed coffee.

Were hoping this small motivation will encourage you to be the spark of connection that helps bring us all a little closer at a time when showing our unity is so important.

#payitforwardand lets see what can happen.

Offer good October 911, 2013 at participating stores.

Thx ngupta20
Restaurants & Entertainment Deals

Starbucks Store Coupons
V: The Complete Second Season [Blu-ray] $31.87 at Amazon
Added on : Friday September 27th 2013 09:00:13 PM
g: 0 Posted By: Ayla
Views: 219 Replies: 0 List Price: $49.99




http://www.walmart.com/ip/V-The-Complete-Second-Season-Blu-ray-W...


Price: $32.34


~~~~~~~~~~

Okay, I see what the problem is, I clicked on:

http://www.blu-ray.com/movies/V-The-Complete-Second-Season-Blu-r...


and then click on BUY NOW, and it will send you to the Amazon deal for $31.87



Price: $31.87

FREE Shipping





They seem almost godlike among us. They are the alien Visitors who, led by mysterious queen Anna, base their operations out of 29 motherships hovering over 29 global sites. But why 29? The answer lies in the Vs secret plan just one of the extraordinary revelations in Season 2 of V. As that astonishing plan draws closer to fulfillment, a resourceful underground unit of resistance fighters called the Fifth Column redoubles its efforts to undermine it.



Number of discs: 2
Blu Ray Deals

Walmart Coupons
Kotex Lightdays Balance Pantiliners 256pc $7.99 at Costco B&M
Added on : Monday September 23rd 2013 11:00:08 AM
g: 0 Posted By: Mikey895
Views: 171 Replies: 0 This is the 4 box X 64 pcs = 256 liners for $7.99 at Costco B&M. ($.031/pc is a very good price!)

The best price I find online is closer to $.05 a piece.

Not on sale or any special at Tustin II,CA store.




Health & Beauty Deals
Free streaming of Cher's new album - Closer to the Truth
Added on : Thursday September 19th 2013 01:00:08 AM
g: 0 Posted By: remick
Views: 26 Replies: 0 http://www.amazon.com/gp/feature.html/ref=xs_gb_bd_DsF!4w2Iall-?ie=UTF8&docId=1001388011&pf_rd_p=1449078942&pf_rd_s=center-3&pf_rd_t=701&pf_rd_i=20&pf_rd_m=ATVPDKIKX0DER&pf_rd_r=09ZPN5PB98RKMVM1MMFD

The one and only Cher is back -- again -- and ready to release her first studio album in over 10 years. Listen to her new album,Closer to the Truth, for free until the album releases on September 24.
Totally Free Deals
Health Care Exchange enrollment timing the FWF way.
Added on : Monday September 16th 2013 07:00:13 AM
g: 0 Posted By: beltme
Views: 112 Replies: 3 I'm aware that the state health care exchanges are scheduled to open on October 1st for benefits to begin on January 1st, 2014. I'm wondering if there are any advantages to signing up right away or is it better to wait until closer to the end of the year?
General Economics Deals
Toyota Rav4EV (Electric Car) deal + possible free charger- Only sold in CA
Added on : Wednesday September 04th 2013 09:00:03 AM
g: 0 Posted By: preludeca
Views: 0 Replies: 0 Toyota is trying to clear out their 2013 Rav4 EV (Electric) cars and have cut their leases price by almost 50%.

This isn't for everybody, for anybody interested in an electric car, this might be of interest. It has Tesla parts--- so can be a baby step towards a Tesla.

- Toyota offers a ~15K credit. $4000 down + $299/month for a 36month/36K lease. (Great price on a 50K car).
- Toyota is also lending money for close to 0%, so it is better to get the $0 down/ ~$450 month option.
- The buyer is responsible for fees + taxes on the 15K credit, so is really closer to $6100 down + ($300+ ~30)*36 months
- This lease does not qualify for the $7500 federal rebate. However, it does qualify for the $2500 CA credit
- Not all Toyota dealerships carry the Toyota Rav4 EV
- I live in Northern California, but found a better price from a Southern California dealer
- You might be able to qualify for a free charging station
http://evsolutions.avinc.com/products/cec
CA offers new allocation at the first Tuesday of each month. (Which was yesterday Sept 3.) I think they started with 350 and still have ~200 left at the time of this post. Check the evsolutions site for how many chargers are left for the month. To qualify for the charger, the dealer must fill out the form for you. Once the monthly allocation is used up, you have to wait until the following month.
- The Toyota lease promotion was supposed to end Sept 3rd--- and they got a bunch of people to buy (me included). However, they have re-extended the promotion again.
- You can add an option for about ~$30/month that allows unlimited miles
- The only "option" available is color. There is Silver, White and Blue. Some of the colors may cost a little extra.

Free Android App: Dick's Sporting Goods Mobile
Added on : Tuesday September 03rd 2013 07:00:11 AM
g: 0 Posted By: mapatsfan
Views: 41 Replies: 0 For those that didn't know Dick's Sporting Goods had a mobile app:

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

A true athlete knows how rewarding it is to compete.
Our new DICKs Sporting Goods mobile app gives you more ways to get closer to your full potential. Shop, share, and track your ScoreCard Rewards. ScoreCard points turn into cash to buy more gear. As if sports werent rewarding enough.Step in and you step up. Every Season Starts at DICKS.The DICKs Sporting Goods Mobile AppRewards: Manage your ScoreCard, scan Rewards, and track your pointsNews: Get the latest on products, offers, and official launchesShop: Shop DSG.com anytime, anywhere. Plus find a store near you!Share: Scan products to see what others are saying about your favoritesConnect: Stay connected with DSG on Facebook, Twitter, and Foursquare. Plus get Rewarded!
Totally Free Deals
g: 0 Posted By: bluechapstick
Views: 1 Replies: 0 I have a car I bought in february, 2011 cruze eco manual transmission, because I commuted 80 miles round trip per day. I no longer need this mpg because I sold my house and move closer to work, the commute was killing me. I owe 16k on this car through my bank, Alliant Credit Union, at 1.99%. I am looking at a 2010 VW GTI because I want a fun car that still has decent gas mileage. I can pick one up for about 18k. If possible, I would like to roll over the remainder of my existing loan to the new loan because at that interest rate I'd rather save the cash but do have it available if this won't work.

Truth is this car is incredibly boring, while being a great car for a commuter it isn't for me.

Would this only be possible at a dealership with a trade in? KBB/Nada say trade is around 13k, so I would take a little hit. I have an apartment after selling my house and really can't have 2 cars. Street parking a second car would be a nightmare.

I kept my previous car(also bought used) for 8 years so I would plan on keeping the new one for years to come and not making a habit of replacing cars so quickly.

Would getting an offer at carmax be a good option?
g: 0 Posted By: lovelybones
Views: 58 Replies: 0 Linky Take a closer lookThe Push2TV wireless adapter lets you view content from your laptop, tablet, or smartphone on your TV. It supports Intel Wireless Display and the Miracast wireless display standard, so you can wirelessly display more of your devices on TV with up to 1080p HD video resolution and surround sound. Its flexible power option uses your TV's USB port and its small size allows for simple placement and is easy to carry around.
Electronics Deals

Microsoft Store Coupons
g: 5 Posted By: archena
Views: 3099 Replies: 0 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase.Photo Mastery - Shadows, Form And Texture (On Target Photo Training) [Kindle Edition] was $8.97Dan Eitreim (Author) http://www.amazon.com/dp/B007RSCOACPublication Date: April 5, 201218 Reviews - ★★★★★#1 in Kindle Store > Kindle eBooks > Arts & Photography > Photography > ReferenceRevised and expanded edition.Although photography is all about light...it's actually the shadows that define form and textures!When you get tired of flat, boring, 2d photos and want to have lifelike images that pop off the page, this Volume of the "On Target Photo Training" course is the answer!Here is a copy of the table of contents to show a little of what is covered...Introduction
Light Makes Shadow
Color Temperature - Kelvin Scale
Light Meters
Reflected Light Meter
Problems With Reflected Light
Incident Light Meter
Ambient Light
Ambient Light Qualities
Shadows From Hard Ambient Light
Soft Ambient Light Shadows
The Main/Key Light
Planning The Shadow
Squinting
Raccoon Eyes
Do You HATE Those Pesky Shadows?
Shadows Define Form And Texture
The Fill Light
Learning Photography Lighting Techniques!
Photo Exercise
Photo Exercise 2
Fixing Problem Areas
Shadow Lighting Patterns
Split Light
Loop Light
Butterfly Light
Texture Requires Shadow!
Glare
Photo Exercise 3
Additional Photo TrainingWe spend a lot of time discussing light and various qualities of light - to get a better understanding of shadows!Ambient Light: This is the light we will be using the most. Here we thoroughly cover what is is and how to work with it! Once we know how to control the light, we can control the shadows that define our shapes and textures.The Main/Key Light: Before you can learn to master the shadows, you need to understand the light that is making them! Each light source whether it is ambient light or studio light (or both) creates it's own set of shadows. And it's own set of problems and opportunities!Shadows: The shape, position and depth of the shadows - and your mastery of them - is what will turn your photos from dull lifeless "pictures" into something you will be proud to not only put on the wall...but you will be proud to sign them too!The Fill Light: Here is the key to controlling the depth of your shadows and bringing emotion into your art.Fixing Problem Areas With (Or Without) Shadows: Every face and every scene has flaws that you can "fix" in your camera. Every subject you shoot wants and deserves to look like a million bucks! It's your job as a photographer to make that happen.Glare: Glare in glasses can easily ruin a photo. Plus it's incredibly difficult to "fix" in Photoshop. Fixing it in camera is really easy once you know how.You are closer than you think to creating truly amazing photographs that will be the envy of your friends and family!
Totally Free Deals
g: 0 Posted By: archena
Views: 104 Replies: 0 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase.Photo Mastery - Shadows, Form And Texture (On Target Photo Training) [Kindle Edition] was $8.97Dan Eitreim (Author) http://www.amazon.com/dp/B007RSCOACPublication Date: April 5, 201218 Reviews - ★★★★★#1 in Kindle Store > Kindle eBooks > Arts & Photography > Photography > ReferenceRevised and expanded edition.Although photography is all about light...it's actually the shadows that define form and textures!When you get tired of flat, boring, 2d photos and want to have lifelike images that pop off the page, this Volume of the "On Target Photo Training" course is the answer!Here is a copy of the table of contents to show a little of what is covered...Introduction
Light Makes Shadow
Color Temperature - Kelvin Scale
Light Meters
Reflected Light Meter
Problems With Reflected Light
Incident Light Meter
Ambient Light
Ambient Light Qualities
Shadows From Hard Ambient Light
Soft Ambient Light Shadows
The Main/Key Light
Planning The Shadow
Squinting
Raccoon Eyes
Do You HATE Those Pesky Shadows?
Shadows Define Form And Texture
The Fill Light
Learning Photography Lighting Techniques!
Photo Exercise
Photo Exercise 2
Fixing Problem Areas
Shadow Lighting Patterns
Split Light
Loop Light
Butterfly Light
Texture Requires Shadow!
Glare
Photo Exercise 3
Additional Photo TrainingWe spend a lot of time discussing light and various qualities of light - to get a better understanding of shadows!Ambient Light: This is the light we will be using the most. Here we thoroughly cover what is is and how to work with it! Once we know how to control the light, we can control the shadows that define our shapes and textures.The Main/Key Light: Before you can learn to master the shadows, you need to understand the light that is making them! Each light source whether it is ambient light or studio light (or both) creates it's own set of shadows. And it's own set of problems and opportunities!Shadows: The shape, position and depth of the shadows - and your mastery of them - is what will turn your photos from dull lifeless "pictures" into something you will be proud to not only put on the wall...but you will be proud to sign them too!The Fill Light: Here is the key to controlling the depth of your shadows and bringing emotion into your art.Fixing Problem Areas With (Or Without) Shadows: Every face and every scene has flaws that you can "fix" in your camera. Every subject you shoot wants and deserves to look like a million bucks! It's your job as a photographer to make that happen.Glare: Glare in glasses can easily ruin a photo. Plus it's incredibly difficult to "fix" in Photoshop. Fixing it in camera is really easy once you know how.You are closer than you think to creating truly amazing photographs that will be the envy of your friends and family!
Totally Free Deals
*** DEAD **** FREE Kindle Book - Of Cabbages And Kings (Humor) was $9.99
Added on : Saturday August 03rd 2013 06:00:10 AM
g: 8 Posted By: archena
Views: 1804 Replies: 3 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase.Of Cabbages And Kings: A Collection of True Short Stories that Celebrate the Good, Bad, Ugly & Funny Things That Make Life Worth Living [Kindle Edition] was $9.99Randa M. Chance (Author) http://www.amazon.com/dp/B00B51Y8VKPublication Date: January 21, 201313 Reviews ★★★★★#2 in Kindle Store > Kindle eBooks > Humor & Entertainment > Humor > Parenting & FamiliesDo you think an experience needs to be big and important to be valuable? What about those small, funny, poignant moments, those that dont seem to be very significant? Can you actually learn life lessons from those simple things in life?Randa Chance shares true-life stories that are gut-wrenchingly sad, side-splittingly hilarious, and achingly tender. Laugh out loud with her as she swallows a bobby pin and when she becomes psychotic at the end of her pregnancy. Sigh with her when she meets her remarkable husband. Cry along with her as she realizes that, as a young mother, and the wife of a church-planting pastor husband, theres no food to feed their kids, nor money to buy any. Each vignette charms the reader with real emotions and youll keep turning the pages to read just one more.Randa Chance shows readers from all walks of life that significant moments dont have to be big and important to truly matter. Sometimes a moment consists of a fully-clothed grandmother executing a cannonball dive into the creek, just to help her family say good-bye with smiles instead of tears. Sometimes its about finding the funny in the insensitive, instead of taking offense. Sometimes a moment is about how Christmas can still be special even after you burn down the house. Randa manages to find those priceless moments while juggling life as a wife, mother, pastors wife and a writer.Readers from all walks of life will be challenged to hold those they love just a little closer, to consciously appreciate not just the big moments but also the little ones, and to find contentment, laughter and beauty even in some of lifes most difficult circumstances.
Totally Free Deals
Early Lease Termination due to move (Ohio), where to find this info?
Added on : Thursday August 01st 2013 08:00:10 AM
g: 0 Posted By: Muscle
Views: 47 Replies: 2 My girlfriend will be moving closer to me for work and needs to terminate her apartment lease.A little background:-Her original lease was from October 2012 - October 2013.
-In January of 2012 her apartment flooded, multiple times, and she had to relocate to a different unit. Instead of 'switching' over the lease, they started a brand new one from January 2013 - January 2014.
-She will be moving for work to a different city. She'll be working/living ~30 miles from her current place of residence.In the lease agreement, there's no termination clause for people who are moving a certain distance, but I thought there was one. The early termination clause is 60 days notice + 2 month's worth, so basically 4 months .... which is the same as her just staying there til January ... except she won't be there and is not allowed to sublease.She's contacting some people she knows who may know the laws surrounding a situation like this, but I wanted to get an opinion here, or at least have someone point me in the right direction where I can find Ohio laws surrounding this and how to proceed, if she needs a lawyer for this, how to give her complex proper notice, and generally what the correct/effective way of early termination is.Having been on both sides of the fence (a tenant and a landlord), I understand that landlords don't want tenants to break leases without some reasonable cushion, but at the same time this is too big of a cushion, it's an originally over-extended lease, and she won't even be living in the same city.Thanks in advance.
Personal Finance Deals
FREE Kindle Book - Of Cabbages And Kings (Humor) was $9.99
Added on : Wednesday July 31st 2013 07:00:10 AM
g: 0 Posted By: archena
Views: 92 Replies: 0 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase.Of Cabbages And Kings: A Collection of True Short Stories that Celebrate the Good, Bad, Ugly & Funny Things That Make Life Worth Living [Kindle Edition] was $9.99Randa M. Chance (Author) http://www.amazon.com/dp/B00B51Y8VKPublication Date: January 21, 201313 Reviews ★★★★★#2 in Kindle Store > Kindle eBooks > Humor & Entertainment > Humor > Parenting & FamiliesDo you think an experience needs to be big and important to be valuable? What about those small, funny, poignant moments, those that dont seem to be very significant? Can you actually learn life lessons from those simple things in life?Randa Chance shares true-life stories that are gut-wrenchingly sad, side-splittingly hilarious, and achingly tender. Laugh out loud with her as she swallows a bobby pin and when she becomes psychotic at the end of her pregnancy. Sigh with her when she meets her remarkable husband. Cry along with her as she realizes that, as a young mother, and the wife of a church-planting pastor husband, theres no food to feed their kids, nor money to buy any. Each vignette charms the reader with real emotions and youll keep turning the pages to read just one more.Randa Chance shows readers from all walks of life that significant moments dont have to be big and important to truly matter. Sometimes a moment consists of a fully-clothed grandmother executing a cannonball dive into the creek, just to help her family say good-bye with smiles instead of tears. Sometimes its about finding the funny in the insensitive, instead of taking offense. Sometimes a moment is about how Christmas can still be special even after you burn down the house. Randa manages to find those priceless moments while juggling life as a wife, mother, pastors wife and a writer.Readers from all walks of life will be challenged to hold those they love just a little closer, to consciously appreciate not just the big moments but also the little ones, and to find contentment, laughter and beauty even in some of lifes most difficult circumstances.
Totally Free Deals
g: 0 Posted By: lewisrachel
Views: 223 Replies: 0 LINKWas: $199
Sale: $49.99Take a closer lookReady to take you from the DJ booth to the skyways with high performance sound, these on-ear headphones are a sleek and comfortable option for any music lover looking for a powerful and precise audio experience on the go. Advanced driver and circuitry design for superb bass and clear mids and highs
Includes straight audio cable with inline remote control
Sleek folding design for easy storage
Gold-plated connector provides seamless signal transfer Compatible with most smartphones and multimedia devices with 1/8-inch (3.5mm) or 1/4-inch headphone jack
Full ear cup articulation ensures the best, most comfortable fit
Tangle-resistant cable for easy cable management
Protective road case for convenience and storage
Headphones & Speakers Deals

Microsoft Store Coupons
g: 0 Posted By: lovelybones
Views: 139 Replies: 0 WBshopIncludes UltraViolet so you can enjoy the film on many different compatible devices.
MUST ENTER REDEMPTION CODE BY 12/04/2014 TO REDEEM ULTRAVIOLET OFFER. DOES NOT INCLUDE iTUNES FILE.
$10 off $50 code WBAFSAVE10This limited-edition collection includes an exclusive 64-page excerpt from the book The Art and Making of The Dark Knight TrilogyBatman Begins: In the wake of his parents' murder, disillusioned industrial heir Bruce Wayne (Christian Bale) travels the world seeking the means to fight injustice and turn fear against those who prey on the fearful. He returns to Gotham and unveils his alter-ego: Batman, a masked crusader who uses his strength, intellect and an array of high tech deceptions to fight the sinister forces that threaten the city.The Dark Knight: With the help of Lt. Jim Gordon and District Attorney Harvey Dent, Batman sets out to destroy organized crime in Gotham for good. The triumvirate proves effective, but soon find themselves prey to a rising criminal mastermind known as The Joker, who thrusts Gotham into anarchy and forces Batman closer to crossing the fine line between hero and vigilante. Heath Ledger stars as archvillain The Joker, and Aaron Eckhart plays Dent. Maggie Gyllenhaal joins the cast as Rachel Dawes. Returning from Batman Begins are Gary Oldman as Gordon, Michael Caine as Alfred and Morgan Freeman as Lucius Fox.The Dark Knight Rises: It has been eight years since Batman vanished into the night, turning, in that instant, from hero to fugitive. Assuming the blame for the death of D.A. Harvey Dent, the Dark Knight sacrificed everything for what he and Commissioner Gordon both hoped was the greater good. For a time the lie worked, as criminal activity in Gotham City was crushed under the weight of the anti-crime Dent Act. But everything will change with the arrival of a cunning cat burglar with a mysterious agenda. Far more dangerous, however, is the emergence of Bane, a masked terrorist whose ruthless plans for Gotham drive Bruce out of his self-imposed exile. But even if he dons the cape and cowl again, Batman may be no match for Bane.
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WBShop.com Coupons
Dell 1250c Color LED Laser Printer for $69.99 FS
Added on : Monday July 22nd 2013 08:00:04 PM
g: 0 Posted By: kaktak
Views: 83 Replies: 0 was $145
MSoft store
http://www.microsoftstore.com/store/msusa/en_US/pdp/Dell-1250c-C..."Take a closer look
Finally, everything you need in an office color printer, but in a smaller package. Enjoy high-quality printouts and fast printing speeds with the Dell 1250c color-capable LED printer, the world's smallest color laser-class printer with rich, true color. It prints 10 color pages per minute (actual print speed will vary with use) and operates with low maintenance to help you work more efficiently.
Low maintenance, so there's less down time-drum and fuser unit are designed to last the life of the printer
Print up to 30,000 pages per month
It's green-not only is it Energy Star compliant, you can recycle with ease by returning your toner cartridges to Dell, free of charge
Connects via USB 2.0 port (USB cable not included)"
Printers & Ink Deals

Microsoft Store Coupons
g: 0 Posted By: DaysFan
Views: 136 Replies: 1 The Biggest Loser: The Workout - Boot Camp (2008)
Bob Harper (Actor), Cal Pozo (Director) | Rated: NR | Format: DVD
Text
List Price: $14.98
Price: $3.99
Deal Price:
You Save: $10.99 (73% Amazon.com: Online Shopping for Electronics, Apparel, Computers, Books, DVDs & more
ASIN: B001GP5TLS

Product Description
Just like the contestants on NBC's hit show, you too can rev up your fat-burning furnace and experience dramatic weight loss in less time. Join "The Biggest Loser" trainer, Bob, and show contestant winners and finalists for a 6-8 week program that beats the bulge one intensity level at a time. Begin with Boot camp 1 and as you improve, add on Boot camps 2 and 3 for a powerful workout that challenges every muscle with dynamic moves designed to give those unwanted pounds the boot! WARM-UP (5 Minutes): Prepare your body for boot camp with athletic conditioning moves that get the heart pumping and the muscles warm. LEVEL 1 (Weeks 1 and 2) -Boot camp Level 1 (20 Minutes): Bob turns on the burn with upper- and lower-body strength intervals, then revs your metabolism with calorie-crushing cardio. LEVEL 2 (Weeks 3 and 4) - Boot camp Level 2 (15 Minutes): Pick up the pace and drop the pounds with Bob's innovative power moves that integrate fat-blasting bursts of cardio. LEVEL 3 (Weeks 5 and 6) - Boot camp Level 3 (10 Minutes): Challenge your balance and fine-tune your physique using bands and weights to further chisel your newfound muscle. COOL-DOWN (5 Minutes): Reward and energize your body with athletic and yoga-inspired stretches that soothe tight muscles and improve posture.
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Advice Requested: Insurance or Repair (pics included)
Added on : Thursday July 18th 2013 01:00:08 PM
g: 1 Posted By: Horseymen
Views: 180 Replies: 0 I appreciate any thoughts/help that can be provided.I consider myself a home improvement rookie. It's just not my thing. One of the more embarrassing moments in my life was trying to put together an Ikea TV stand for 45 minutes, and my wife got frustrated, took it away from me and finished it in 7 minutes. This kind of stuff just isn't where my brain is powered. If you have technical comments, please understand I won't understand most of what you're saying, so talk in small words. I have had a bathroom leak for about a year. Everyone keeps giving different advice. About 6 months ago, I had someone come out, say it was a caulking issue, recaulked the shower, it slowed down (so I thought).About 2 months ago, my wife went into the closet where she keeps all the shoes that she never uses, picked up a shoe and saw the bottom shelf of the closet was loaded in mold. Clearly the caulk kept whatever the source of the leak was from coming into the tile - and it went into the wall and took care of that. We removed the bottom panel (where all the mold was) which then allowed for water to quit soaking into the wood - and move closer to saturating the entirety of the carpet.About 3 weeks ago, we had a paraprofessional come out, look at it, take apart the shower and notice the drain pipe was completely busted. More than likely, some of the water when going down the drain was going out, had nowhere to go, so it, as water will do, went into the wall, out any area possible.So, this was fixed, drain pipe repaired, drywall repaired, new carpet put in the closet - all is good. Out about $1200 bucks.Fast forward to about 10 days ago when my wife noticed it was leaking again. This is where I look to the internet for advice, because I'm an idiot, and I've asked two professionals and have heard two different things.I have a coverage in my homeowner's insurance which covers slow leaks and the damage that has been done (and the repair) - it was an added coverage that I've had, so it's not a normal part - but something my insurance guy recommended.The deductible for homeowner's insurance is 1% - or in this case, about $4,000 dollars.I've had a general contractor come out and look at it and a plumber. General contractor says that this is a caulking issue, that it's not sealed, probably not the drain pan the way it's leaking, he would like to cut open the wall and check it out more (but there's a cost involved with that) - but the issue is more likely with shower door/shower pan than an incorrectly installed drain pipe - and likely drain pipe was a big part of the issue, but those other issues went unfixed and contributed to it anyway - and suggested a master painter who had superior silicon caulking experience.I've had a plumber come out, and tell me 10 different things it could be, but he wouldn't even give an estimate until he could demo everything and pull the shower out. He said it would likely require tile damage to see everything. He estimated about a day of labor before even beginning to diagnose it, but "it likely would not be more than the insurance claim"So therein lies my quandry.If I go with insurance, then my max out of pocket is capped at $4,000, but I will likely see insurance hikes, but I assume there would be some sort of warranty that the problem WILL be fixed, and if it came back 2 weeks later, it would be fixed again?If I go with either of the other options, if they get in there and discern it's bad, then I'm out that money PLUS insurance cost, but there's also a chance it's a $1000-$1500 dollar fix (less than $4000) - and no insurance hike.I'm already out $1200 fixing it once (but clearly not having it fixed - since the problem cropped back up a few weeks later)I've attached three pictures.Picture A is just a general view of the shower.
Picture B is a view of the wall where the water is likely eating up in there and settling - also, you can kinda see the corner caulk where the leak comes from under the shower.
Picture C is the other side of the closet where the water is coming in through the wall.Anyone with thoughts/ideas/advice? For what it's worth, this is not a house we plan on staying in for much longer (maybe 1 year or so) - but it is something that clearly needs to be fixed.This also isn't something where I have my mind made up which way I want to go so I will be defensive to everything said. I honestly don't know which way would be best. Part of me values getting it done without dealing with insurance, but the home improvement novice likes the "this will cost no more than $4,000 no matter what, and it's guaranteed to be fixed." - $4,000 would be a big chunk of cash for us, but we do have it in an emergency fund.
Personal Finance Deals
Multiple house offers, how to proceed
Added on : Saturday July 13th 2013 05:00:05 AM
I live in the central valley(Manteca), CA. It is mostly a commuter town of people that drive to San Jose/East Bay area. The houses are super affordable compared to the crazy prices to live in the silicon valley. I am drained by the commute and have decided to sell my house(purchased in 2010) and move closer to work. It has been on the market for 6 days and I have 6 offers so far and more likely coming in today. The house is listed for 225k.I am told by my agent, this house won't appraise for much higher than the list price. She said maybe 235k but likely about 230k, she recently got an 1100 sq ft house to appraise for 195k for reference.I have offers in the range of 231-245k. One offer simply says appraisal price plus 5k cash. There is a huge rush to buy houses in this area as you can see. I also got a cash offer for 225k. I am overwhelmed by this and would appreciate any supplemental information for when I speak with my agent next. I don't want to take the high offer if it has no chance of appraising but want to make sure I get what is fair based on what people are willing to pay.My agent mentioned asking people to add cash to offers which requires some negotiating and more time. That shouldn't take long as people would likely respond immediately but I don't want to drag this out for another couple weeks.Thanks for the help.
BUSHNELL Pro 1600 Laser Rangefinder Tournament Edition, Package, DEMO (205105P-ROD) $249 Shippedhttp://www.gearhog.com/
Deal Overview
This is a refurbished / DEMO product from Bushnell Outdoor Products. We assure that this refurbished product is in good working condition and covered by full manufacturer's warranty.More modes, fewer strokes and legal for tournament play. The BUSHNELL Pro 1600 Laser Rangefinder, Package, Tournament Edition (205105P-ROD) is the ultra-accurate laser rangefinder more pros trust their game to than any other.This rangefinder has brilliant optics and a measuring range that's simply enormous, from 5 to 1600 yards! This makes it quite useful for golfers. Though your maximum range will vary from many factors (including the angle of incidence to the target, the target's reflectivity, and the ambient lighting conditions), the Pro 1600 will always give the best range of any Bushnell unit.
The Pro 1600 Laser Bushnell Rangefinder was especially designed with golfers in mind. The selective targeting modes allow you to adjust the performance parameters of the unit to suit your specific situation and environment.
The Scan mode allows you to pan across the landscape while viewing a continuously updated LCD display of the distances between you and the targets you scan with the viewfinder.PinSeeker is designed exclusively with the bottom of the cup in mind, this mode allows easy acquisition of the flag without inadvertently capturing background target distances. When more than one object is acquired, the closer of the two objects is shown on the LCD display.
This is the "tournament" version of the Bushnell Pro 1600 rangefinder, which has no built-in inclinometer. As it does not use calculations to aid the golfer's estimation of playing distance, it conforms to the USGA rules for legal distance-measuring devices in tournament play.Features
Universal mount fits all cart manufacturers
Positive locking inset to secure rangefinder
Clamp mount also attaches to bag
Package includes Golf Cart mount and neoprene protective case
7x magnification
The ultimate rangefinder for tournament play and avid golfers
Scan mode displays multiple ranges while panning
PinSeeker mode allows easy acquisition of the flag without inadvertently capturing background target distances
1 yard accuracy
Ranges 5-1600 yards/meters; 400 yards to flag
No reflective prism required
100% waterproof with Rainguard HD
IPX7 waterproof standard
Does Merchant Have Recourse after it loses a Credit Card Dispute?
Added on : Tuesday July 09th 2013 11:00:08 AM
Hi all,Wasn't sure where else to look for this topic, so I thought I'd ask here.A few months ago, I submitted a dispute to my credit card company. Several weeks later, I was notified that the dispute was resolved in my favor because the merchant never submitted any documentation to refute my claims. The card issuer placed a chargeback to the merchant. The merchant contacted me several times (both via email and letter) trying to collect payment. I replied each time and have documentation to prove it. In my replies, I explained my grievances directly. My card issuer also informed me that the merchant is not permitted to seek recourse directly from me; the merchant may only seek recourse from the card issuer. I articulated this to the merchant and never heard back again, assuming this to be a done deal.Now I am receiving a notification from a collection agency for the disputed amount.My questions are these: Can they do this? What recourse do they have? It's hard to take it seriously unless they're going to report to the credit bureau. Obviously it'd be a bad tradeoff to lose my ~800 FICO score over this.For what it's worth, the charge in question is $375.00 for a home appraisal. There were numerous deviations from standard practice in this appraisal, and they include using comparison home sales that were too old (i.e. over 6 months) and using homes that were too far away. I submitted a formal challenge to the appraisal and included alternative comparison homes that sold more recently and were closer. All my suggested alternatives had areas within 10% of mine and had the same number of beds/baths. The appraisal company denied the challenge even refusing to use my suggested comparison home that was three doors down and had been sold less than a month prior. Ultimately the low value of the appraisal killed the loan deal. Now by itself, this would be a pretty weak case. BUT, I knew the appraisal was wrong, so I went with another lender and got a second appraisal conducted only two weeks after the first. The second appraisal was done properly and came in 26% higher than the first! Then the refinance came through just fine.I'm not trying to weasel out of valid charges here. It just seems wrong to pay for two appraisals when one is so clearly incorrect.Thanks all!
Warped Tour 2013 Free Music Sampler Album on Amazon (15 songs)
Added on : Tuesday July 09th 2013 06:00:09 AM
http://www.amazon.com/Warped-Tour-Free-Sampler-Explicit/dp/B00D4...15 Songs
Listening - Tonight Alive
I Won't Lie - Go Radio
Boomerang - The Summer Set
Spark - Hawthorne Heights
Nightmare - Set It Off
Just Keep Breathing - We Came As Romans
Spooky Kids - Itch
All Fall Down - Five Knives
Smile In Your Sleep - Silverstein
Ohio Is for Lovers - Hawthorne Heights
Death Toll - While She Sleeps
Monolith - Crossfaith
Angel Eyes - New Years Day (Feat. Chris Motionless)
Black Blood - Architects (UK)
Stand Up and Run [Explicit] - Billy Talentother free albums
(18 songs) Wtii Records 2013 Free Compilation http://www.amazon.com/Wtii-Records-2013-Free-Compilation/dp/B00C...
(15 songs) Sub Pop 2013: First Place Losers http://www.amazon.com/Sub-Pop-2013-First-Losers/dp/B00DN14LXA
(15 songs) Merge Records Summer Sampler 2013 http://www.amazon.com/Merge-Records-Summer-Sampler-2013/dp/B00DL...
(15 songs) artists.MTV.com Free Sampler http://www.amazon.com/artists-MTV-com-Free-Sampler/dp/B00BRUXXG0
(10 songs) Toolroom Essentials 2013 http://www.amazon.com/Toolroom-Essentials-2013/dp/B00DIFTWD0
(8 songs) Bar None Records Free Sampler Summer 2012 http://www.amazon.com/None-Records-Free-Sampler-Summer/dp/B008EE...
(8 songs) Intended Play 2013 http://www.amazon.com/Intended-Play-2013/dp/B00DIKVCLK
(8 songs) 4AD Sampler http://www.amazon.com/4AD-Sampler/dp/B00DID5NNK
Victory Garden - Victory Garden Guide for Self Sufficiency and Self Sufficient Living [Kindle Edition] worth $4.99Zachary Carver (Author)http://www.amazon.com/dp/B00DQHI90WPublication Date: July 1, 2013No Reviews#1 in Kindle Store > Kindle eBooks > Crafts, Hobbies & Home > Gardening & Horticulture > Techniques > Urban#6 in Kindle Store > Kindle eBooks > NonfictionHistorys Biggest and Deadliest Food Shortage Is Upon Us!By food shortage I'm not talking about a lack of "quantity" of foods on store shelves (although that's coming too), I'm talking about the lack of "quality" of foods available today.In the shadows of store shelves around the world is hidden a group of sinister manipulators putting on a full court press to destroy the nutritional value of foods. And with that the total destruction of your health.Did you know that a study released by the International Journal of Biological Sciences shows that GMOs are linked to organ failure?GMOs are also associated with a multitude of diseases and illnesses.Eating GMO fruits, veggies, bread or GMO fed meats is a death sentence that is a slow boil that brings your life to a grinding, painful stop.From debilitating diseases to incompetence that is immobilizing, the foods you are eating are making you sick, slow and stupid.Take Your Survival Skills, Self-Sufficiency and Food Freedom to the NEXT Level...Today's survivalists are more than long bearded men in the wilderness hunting wild game. Today, a survivalist is anyone looking to get off the suicidal, homicidal and genocidal path that today's toxic and tainted food pools have put us on.Each trip you make to the grocery store to load up with more toxic bathed foods is taking you and your loved ones a step closer to an early grave.It's incremental death by a thousand cuts... or should I say a thousand bites.You see, our immune systems are under attack by chemicals exploding like nukes in our cells. Our bodies were not designed to fight off these manufactured assaults and as a result, the acceleration of everything bad is over running our bodies.And since you can't change the food in the store, then change the food you eat.Discover:: Proven Methods For Producing Bigger, Healthier, Tastier and More Sustainable FoodInside the "Survivalist Victory Garden Guide" you'll discover:∙ Starting Your Survivalist Victory Gardening Step-By-Step (With picture tutorials)
∙ Starting Your Seeds Step-By-Step (With picture tutorials)And tons more like the...∙ 8 Victory Vegetables (Best Veggies To Beat A Breakdown)
∙ 7 Persistent Produce (Perennial Vegetables That Keep On Giving)
∙ 7 Must Have Medicinal Herbs (Natures Doctor In Your Yard)
∙ 4 Super Seeds For Sure-Fire SurvivalYou will also learn about...∙ Creating Your Water World (Harvesting Water So You Can Harvest Your Crops)
∙ How To Grow Crazy Giant Vegetables Naturally (Become King Of The Crops)
∙ The #1 Way To Naturally Eliminate Garden Pest (When Your Garden Thrives, You Can Survive)
∙ And more!Additionally, you can turn any garden into a victory garden. That means container gardening, raised bed gardening like square foot gardening, tower gardening and even water gardening can be turned into a victory garden.Ready to learn how to take control of your food and turn any empty space into an abundant food place?Would You Like To Know More?
Download now and take your food freedom to the next level.
Sub Pop 2013: First Place Losers FREE MP3 sampler at AMAZON
Added on : Friday July 05th 2013 03:00:15 PM
Sub Pop 2013: First Place LosersSeems like a good collection. Includes "Such Great Heights" from Postal Service (Ben Gibbard, frontman for DEATH CAB for CUTIE's pet project) and a tune from LOW's 2013 album (Jeff Tweedy from WILCO production).CLICK HERE, FREE to a good home from Amazon. 15 MP3s for nuthin'!
Victory Garden - Victory Garden Guide for Self Sufficiency and Self Sufficient Living [Kindle Edition] worth $4.99Zachary Carver (Author)http://www.amazon.com/dp/B00DQHI90WPublication Date: July 1, 2013No Reviews#1 in Kindle Store > Kindle eBooks > Crafts, Hobbies & Home > Gardening & Horticulture > Techniques > Urban#6 in Kindle Store > Kindle eBooks > NonfictionHistorys Biggest and Deadliest Food Shortage Is Upon Us!By food shortage I'm not talking about a lack of "quantity" of foods on store shelves (although that's coming too), I'm talking about the lack of "quality" of foods available today.In the shadows of store shelves around the world is hidden a group of sinister manipulators putting on a full court press to destroy the nutritional value of foods. And with that the total destruction of your health.Did you know that a study released by the International Journal of Biological Sciences shows that GMOs are linked to organ failure?GMOs are also associated with a multitude of diseases and illnesses.Eating GMO fruits, veggies, bread or GMO fed meats is a death sentence that is a slow boil that brings your life to a grinding, painful stop.From debilitating diseases to incompetence that is immobilizing, the foods you are eating are making you sick, slow and stupid.Take Your Survival Skills, Self-Sufficiency and Food Freedom to the NEXT Level...Today's survivalists are more than long bearded men in the wilderness hunting wild game. Today, a survivalist is anyone looking to get off the suicidal, homicidal and genocidal path that today's toxic and tainted food pools have put us on.Each trip you make to the grocery store to load up with more toxic bathed foods is taking you and your loved ones a step closer to an early grave.It's incremental death by a thousand cuts... or should I say a thousand bites.You see, our immune systems are under attack by chemicals exploding like nukes in our cells. Our bodies were not designed to fight off these manufactured assaults and as a result, the acceleration of everything bad is over running our bodies.And since you can't change the food in the store, then change the food you eat.Discover:: Proven Methods For Producing Bigger, Healthier, Tastier and More Sustainable FoodInside the "Survivalist Victory Garden Guide" you'll discover:∙ Starting Your Survivalist Victory Gardening Step-By-Step (With picture tutorials)
∙ Starting Your Seeds Step-By-Step (With picture tutorials)And tons more like the...∙ 8 Victory Vegetables (Best Veggies To Beat A Breakdown)
∙ 7 Persistent Produce (Perennial Vegetables That Keep On Giving)
∙ 7 Must Have Medicinal Herbs (Natures Doctor In Your Yard)
∙ 4 Super Seeds For Sure-Fire SurvivalYou will also learn about...∙ Creating Your Water World (Harvesting Water So You Can Harvest Your Crops)
∙ How To Grow Crazy Giant Vegetables Naturally (Become King Of The Crops)
∙ The #1 Way To Naturally Eliminate Garden Pest (When Your Garden Thrives, You Can Survive)
∙ And more!Additionally, you can turn any garden into a victory garden. That means container gardening, raised bed gardening like square foot gardening, tower gardening and even water gardening can be turned into a victory garden.Ready to learn how to take control of your food and turn any empty space into an abundant food place?Would You Like To Know More?
Download now and take your food freedom to the next level.
Patagonia Women's Regular Rise Bootcut Jeans $45.99 @ Altrec FS on $48+http://outlet.altrec.com/odat/
Fabric: 11-oz 98% organic cotton, 2% spandex denim
Organic cotton denim with stretch for fit and comfort
Classic 5-pocket-jeans styling, updated with new fit
Wider contoured waistband, zip fly with two button shanks
Pocket bags are made of organic cotton/polyester twill with a bandanna-style indigo print
Initially snug but will eventually conform to your body
Made in India
Slim Fit: closer-fitting
Inseams: 32 in (regular); long 34 in (long)
Weight: 615 g, 21.7 oz
External HP USB HD 500GB 2.5" USB 2.0 ~ $25 @ Sam's Club
Added on : Sunday June 30th 2013 10:00:03 AM
Not sure if this is really hot since it's only USB 2.0. But I couldn't find a closer price for a 500GB external USB HD online. I took a picture of the price on the shelf and typed it below:HP 500GB Simplesave
2.5" Hard Drive
Item Price $25.78
466938 -> Not sure if this is the SKU#. This shows on the price label and on my receipt.
Late Wells Fargo Mortgage Payment
Added on : Saturday June 29th 2013 09:00:07 PM
I searched for late payment information regarding mortgages and nothing closely related showed up, just credit card stuff. Aside from the "pay your bills deadbeat" posts which I probably deserve, I'm definitely not a deadbeat. I have my 6 month savings and the rest of my finance in very healthy condition.I thought my Wells Fargo mortgage payment was on autopay and it wasn't. My credit is sparkling and I've been current for the life of this account, almost 3 years. This is definitely my fault. My account had a red notice at the top that said 29 days late. I immediately paid tonight but it won't be assessed til tomorrow, which will post on the 30 day delinquency date(this seems to be the big date of delinquency for when it gets serious).I see a late payment fee posted for $42, I don't care cause it's my fault. My concern is my credit score, I will be showing the house very soon(next week) and will be selling. I will be renting closer to work because my commute is killing me. Now I'm worried that my credit will get me rejected from renting apartments. I don't know my credit score but it should be upper 700's at the least. I see people talking about an immediate 100 point hit, ouch. I plan on calling WF on monday when the mortgage department opens to get details. Below is a recent thread I made regarding selling vs landlord, not important but it gives some numbers on my loan balance and likely listing price.Should I be concerned? Is there anything I should do to help this situation? I appreciate the help from the FWF community over the years and ask for your help/advice again.http://www.fullofdeals.com/forums/finance/1274855/
http://subway.workoutmusic.com/
Gun for CCW Kahr PM9 3" barrel 580.72 +shipping
Added on : Monday June 24th 2013 06:00:01 PM
Nice gun, great ccw size with a good reputation. Around here, these are closer to $700. Link
TextJillian Michaels - 30 Day Shred (2008)
Format: DVD
4.6 out of 5 stars See all reviews (3,982 customer reviews) --------------------------------------------------------------------------------
List Price: $14.98
Price: $7.69 & FREE Shipping on orders over $25. Details
Deal Price:
You Save: $7.29 (49%)
In Stock.
ASIN: B00127RAJY http://www.amazon.comProduct Description
Jillian Michaels is TV's toughest trainer, but she is committed to getting big results. As your own personal trainer, Jillian will guide you through her exclusive 3-2-1 Interval System that combines strength, cardio and abs to blast through calories for a dramatic 30 DAY SHRED. The program includes three complete 20-minute workouts which progress by level of intensity. Start with Level 1 and advance through Level 3 in no time you'll achieve a lean, shredded body.

TextProvida Six Week Body Makeover Kit; Weight Loss Program
ASIN: B000UU6H7U $59.90 + $4.99 shippingMichael Thurmond's Six Week Body Makeover kit DVD version from Provida. Here's what's in the kit: 1. Custom Eating Plan (several pages with a black binder to organize it all). 2. Infinite menu planner. 3. Dining out guide. 4. Makeover meals recipe cards. 5. Personalized 18-minute body scuplting program. 6. Body Sculpting Band. 7. DVD: Precision Body Sculpting. 8. CD: In Case of Emergency. 9. CD: The Science of Eating More and Exercising Less. 10. CD: Unleashing your Body's Fat-Burning Potential. 11. DVD: Quick Start. 12. DVD: 6 Day Mini-Makeover (Lose a dress size in 6 days). 13. Help when you need it support package with free membership. 14. Quick Start Program "Find out what foods cause your body to lose weight". 15. Quick Start Program "Blueprinting your body step by step"TextThe Biggest Loser: The Workout - Boot Camp (2008)List Price: $14.98
Price: $4.80 & FREE Shipping on orders over $25. Details
Deal Price:
You Save: $10.18 (68%)
o o o o o o o o o o o o o o o o o o o o o o o o o o o o o o o o o o o o o o o o o o o o o o o o o o o o o o o o o o o o o o o o


In Stock.  Product Description
Just like the contestants on NBC's hit show, you too can rev up your fat-burning furnace and experience dramatic weight loss in less time. Join "The Biggest Loser" trainer, Bob, and show contestant winners and finalists for a 6-8 week program that beats the bulge one intensity level at a time. Begin with Boot camp 1 and as you improve, add on Boot camps 2 and 3 for a powerful workout that challenges every muscle with dynamic moves designed to give those unwanted pounds the boot! WARM-UP (5 Minutes): Prepare your body for boot camp with athletic conditioning moves that get the heart pumping and the muscles warm. LEVEL 1 (Weeks 1 and 2) -Boot camp Level 1 (20 Minutes): Bob turns on the burn with upper- and lower-body strength intervals, then revs your metabolism with calorie-crushing cardio. LEVEL 2 (Weeks 3 and 4) - Boot camp Level 2 (15 Minutes): Pick up the pace and drop the pounds with Bob's innovative power moves that integrate fat-blasting bursts of cardio. LEVEL 3 (Weeks 5 and 6) - Boot camp Level 3 (10 Minutes): Challenge your balance and fine-tune your physique using bands and weights to further chisel your newfound muscle. COOL-DOWN (5 Minutes): Reward and energize your body with athletic and yoga-inspired stretches that soothe tight muscles and improve posture.
Amazon Coupons
Can I max my Trad. IRA before I'm eligible for 401(k)?
Added on : Monday June 24th 2013 03:00:08 AM
Hello!I become eligible to enroll in my current employer's 401(k) plan 7/1/2013. They only match the first 25% of your first 5% contribution (for a max employer contribution of 1.25% of my salary). I have previously been contributing to a Traditional IRA in order to take the tax deduction. My IRA is 100% in VFORX at the moment, which has 0.19% expense ratio. The 401(k) plan is through The Hartford, and their Target 2040 equivalent has an expense ratio of around 2.4%. Needless to say, I'm not thrilled.Google searches have told me that your ability to contribute to a Traditional IRA AND a 401(k) ends with income in the mid-60s, or $110,000/household. I currently hold a lucrative side-job that brings the wife and I closer and closer to this $110,000 threshold. I do suspect that this year we'll be under the limit.So, my question is, could I drop the full $5,500 in my IRA this week, as it would be deposited before I'm 401(k) eligible, or does it not work this way?I fully recognize I may be getting qualified tax attorney advice, but I appreciate the knowledge and experience FWFers bring to the table!
New construction - mortgage rates blowing up
Added on : Thursday June 20th 2013 07:00:09 AM
I'm due to get a contract for my new construction (primary home) over the next couple of days. Since starting this process in early May, looks like 30yr fixed have jumped from 3.5 to around 4.25. Home will probably be completed mid-November to early December. Should I try to wait and try to lock in a rate closer to construction completion, or try to scramble now for a good long term (120 or 180 day) lock?
Mad Catz Street Fighter X Tekken - Arcade FightStick PRO
Xbox360 or PS3 / "Cross" or "Line" designAmazon LinkNote: The PS3 versions are in stock, the Xbox360 versions are not. Either Xbox360 controller will default to a third-party seller, just use "More Buying Choices" on the right to select Amazon as the seller.
Quoted 2-4 weeks shipping, it will probably be sooner especially if a bunch of FW'ers purchase together.Here comes a new challenger! Get ready for the next battle when the two biggest fighting games clash head-to-head in Street Fighter X Tekken! Created to appeal to the serious fighting game enthusiast, nothing brings the arcade experience closer to home than the Street Fighter X Tekken Arcade FightStick PRO. Approved by both Capcom and Namco, and embellished with exclusive game artwork, the FightStick PRO uses arcade-quality components from legendary Japanese arcade manufacturer, Sanwa Denshi. Featuring a Japanese-style ball-handled joystick and 30mm action buttons placed to match the Vewlix arcade cabinet configuration, arcade gamers will feel right at home.The legacy of the Tournament Edition continues with the brand new design of the FightStick PRO!
Authentic Japanese-style Sanwa Denshi joystick & buttons
8-button layout with additional multi-speed Turbo functionality
Premium-quality components with genuine arcade layout
Controller lock/unlock switch prevents accidental button presses
Amazon Coupons
Cashout Service for computer hackers
Added on : Monday June 03rd 2013 11:00:06 AM
Like many of you I'm always on the lookout for new scalable cashout methods. Seems Russian hackers are funnelling millions through MoneyPaks and prepaid debit cards. Its people like these who make it hard for the honest money cyclers to do something simple like pay their mortgage with a credit card. But what losers to have a 60% lose rate on the cash out. See link for further details.http://krebsonsecurity.com/2013/06/cashout-service-for-ransomwar...
Help me out with some housing decisions
Added on : Friday May 31st 2013 08:00:06 AM
Ok - I come to my FWF with open ears for some advice. This is a bit lengthy, so if you'd rather not read please move on. Those of you with real-estate experience, families, and the inner struggle of trying to be frugal but still wanting quality of life are most appreciated (though all constructive thoughts are welcome).
I'm currently in Chicago condo which I bought for $335K in 2006 and is now, if I'm lucky, worth about $250K. The condo is a 3BR - ~1300 sq ft, occupied by my wife and I (1 room), my 1 year old (1 room), and the 3rd room (which is legally a bedroom, but has french doors) acts as my office. This latter fact is important - as I work from home (company based in another state). We plan to have a second child (at least in my wife's belly) by the end of the year. We need (want?) to move. At first it was because we know we will need more space for the second child. Things are also a bit cramped with my working from home and getting a bit more space will be less of a distraction.
We also wanted a better school district and place to raise our kids, maybe a yard, and a place to play with toys that isn't in the middle of our living room.I've been looking around the suburban areas which are within the radius of where we want to be (that is no more than 45-60 mins from O'hare and some other suburbs where family lives). I've been using sites like Redfin and Zillow - I haven't actually engaged any realtors and gone out looking yet. What I am finding - exclusive of school districts - is that a place just the size and style I would prefer it at minimum $450K. Even moving up to $600K I wouldn't be getting what I would be fully happy with.Now let me stop and state to anyone not in the Chicago Suburban area - prices are ridiculous. Everyone who doesn't want to live in the city wants to live in the north, north-west, and western suburbs. They don't want to go too far out because either they commute to Chicago or they don't want to live out in the sticks. I honestly wouldn't mind living in the sticks, but we are beholden to these same higher-price areas because of where our family lives and my need to get to the airport with some regularity. There are of course some less ideal suburbs scattered throughout and their prices are lower, but it usually isn't just a matter of location - the houses just aren't as nice either.I am doing ok financially. I make low six figures (my wife is a home-maker), and we have pretty good savings (both retirement and otherwise). I would have ideally $250K from the sale of my condo (the mortgage to which I am good with, and should be even better when I take out a new one on the house). My father is planning to provide a very generous gift to the purchase of a new home - perhaps $200K. So, between these two sums I can meet my $450K no problem. I could even plunk down another $100-150K and while it would deplete a nice portion of my liquid savings, it wouldn't create any major financial stress.BUT...I hate the idea of a mortgage...the idea of debt and being tied down to it. Although I know that my life now means I can't run off and join the circus, or backpack through the Himalayas - I still don't like the idea of knowing I will be living to pay this off. However, I do have a family - they need a place to live - I'd like to make that place comfortable, safe, and perhaps a bit luxurious (or at least not sparse). So I have a couple of options right now. I am trying to weigh the financially responsible thing to do with the most livable options for me and my family. I'd love to hear your constructive comments:Option One - Buy as much as I can afford (without emptying my bank accounts)
This means spending close to $600K (with the various funds mentioned above).
Pros - Good sized house (2500-3000+ square feet) in a well rated suburb. Close to airport, family. In short, my laundry list above.
Cons - It still won't be what I want. I would be spending everything I could comfortably do and still only be getting a 3000 sq. ft. house in a location with some of the amenities I would want, but not all. I might have to buy a house that is 50+ years old (as opposed to newer construction), it might be too "suburban", etc. In short, I'd probably have to increase my spend closer to 800K+ which I am unable to do. Option Two - Buy something to match my current situation
This means spending about $450K with the sale of my condo and my father's gift
Pros - Probably a smaller house (max 2500 sq ft) in a slightly lower quality suburb. Still close to airport family - as this is pretty much not debatable.
Cons - Amplified cons of #1 above. However I'm spending less, and won't feel as "strapped" - my savings stay where they are and work for me.Option Three - Buy something closer to what I sell my condo for
This means spending $200-250K with the funds from the sale
Pros - I will likely get a better mortgage rate than I have now. After taxes and home maintenance increases with a home I would likely be about the same as I am now. This is a totally comfortable situation for me financially.
Cons - Amplified even more of #1/#2 above. What I am looking at doing is just saying "to heck with a nice suburb" and to a lesser extent "to heck with a nice place." I would probably get a place in an ideal location (geographically) regardless of the quality of the suburb (as long as it isn't a dangerous neighborhood). The house would most likely be 50+ years old, ~2000 sq. ft. It would, in effect give us the room we *need*, but not the space of quality we would really desire.Option Four, Five, Six????-With Option Three I am likely discounting good schools under the assumption that we will likely only stay there about 5 years and move again once my kids are ready to start elementary. I can also get a better ARM rate under this plan. Of course this means in 5 years home prices and mortgage rates may have gone up again and it will only be more expensive to find an ideal place. Of course, at this time, I hope my savings will have also increased.If I am considering option #3 then I also have to think with a renter's mentality. If my goal is to stay there for only 5 years - should I really buy?
What about buying it flat out so I have no mortgage? Should I just pay $250K straight out or is the mortgage debt better to keep?
If I am going to buy it flat out - should I keep my current place to rent until the value recovers? Or just get out now.
Another concern I have is my job. I've only been here a year and don't plan on leaving - and so far they seem very happy with me. However if I were to lose my job not only would it hurt financially, but I may have moved to an area that makes commuting to a job in the City, or a more populated burb more difficult.I'm sure none of these scenarios are new...but they are new for me. I'm hoping to get some balanced opinions other than just the standard FWF approach of "just live in a crown vic in your family's driveway."Let me close by saying that my wife and I are mostly home-bodies...so a comfortable living environment has always been appreciated. I look at a house as a home and not an investment - that being said I don't want it to be a poor financial decision.
Great item to (get you closer to, or to) through you over the 5x S&S for 15% off."clip" $1 coupon and checkout via S&S.http://www.amazon.com/Oral-B-Glide-White-Floss-Radiant/dp/B00763...$1.84 + FS with S&S (even cheaper after 5x S&S!)~~~~~~~~~~~~~~~~~~~~~
Edit:
The 90 ct. Oral-B Complete Floss Picks Mint are also back in stock!
Add those also if you need another item to hit the 5x mark.
$1.89 ($1.69 with 5x).
http://www.amazon.com/gp/product/B00763M03O
Amazon Coupons
Want to get a second closer gym membership...IN CASH
Added on : Monday May 20th 2013 09:00:10 AM
Since my first one is closer to my older house, a bit of an inconvenient drive, but since I didn't move more than 25 miles away from my old gym, I still have to pay $20/month contract.I want to get a second gym contract. It is $175 for the year, which is cheap, but if I wanted to ask to pay a one-time lump sum in cash what hurdles would I go through. Would the owner/sales person typically up the fee because of a cash only payment? Also other than asking for a receipt and a contract signature, is there any other way of making sure I have proof that the owner signed the contract, in case he tries to pull anything fishy?Mixed reviews, many stories typical of any gym, posted here:http://www.yelp.com/biz/forum-fitness-club-bayonne
V500Math:Price $170
less $51 (30%) = $119
less $20 KCash = $99KCard required.
30% off code: SAVE30 xp 5/22
KCash earning xp 5/19In-store coupon here. Thanks to tulsastormMake it sweeter by adding $30 worth of items, and get an additional prorated $4 KCash. Product Features: One minute or less brew time is ideal for busy mornings.
Fully programmable touchscreen allows for customization.
Temperature control and strength selection.
Removable water reservoir offers easy refilling/cleaning.
Removable drip tray accommodates travel mugs.
Adjustable plate lets you bring smaller cups closer.
Cord storage keeps the countertop tidy.What's Included: Bonus variety of 8 Keurig Vue packsProduct Care: Manufacturer's 1-year limited warrantyProduct Details: 60-oz. water reservoir
Model no. 27500
Kohl's Coupons
Kmart ad page 1
www.kmart.com see the weekly adText
E-Z Up Sierra II Canopy
Kmart Item# 089W018480690001 | Model# SE2S10BLHWDRBA Sun Safety In Comfort With The E-Z Up Sierra IIWhether youre camping, at the beach, tailgating or having a barbeque, the E-Z Up Sierra II Canopy is a great way to keep food, drinks and people out of the sun to better enjoy those long summer days in comfort. Getting outside and enjoying the fresh air is important but nothing stings quite as much as sunburn. Take shade with you in the quick-up and down canopy thats lightweight and easily portable for on-the-go comfort wherever you travel.Safer than most, the canopyfeatures a water and fire-resistant top that blocks out 99% of harmful UV rays with its interior silver coating. So if youre planning on tailgating, you can pull the grill a little closer than with lesser canopies for faster cooking and less exposure to the elements. A great way to enjoy fresh air in comfort, this canopy makes a great addition to any outdoor event.Quick to set-up, the canopys expanding frame work opens fluidly while the blue cover slips on snug for a tight grip in fierce weather. When youre looking for sure footing, the included ground spikes firmly anchor this canopy giving it a secure base to help resist unpredictable gusts of winds. Packing up is a cinch in all kinds of weather, too. The folding frame closes tight, the top folds-up and everything fits perfectly in the handy roller bag for quick transportation and tidy storage.So no matter where youre heading, if youre planning on staying for a bit, bring the convenient protection and cooling shade of the E-Z Up Sierra II, and cut down on sunburn, costly spoiled food and the bitter taste of sun-heated drinks. At a great price, this canopy is an easy, affordable way to create a comfortable environment wherever you go. Toss it in your trunk, and always be ready for cool summer fun!Folding canopy
10 x 10 base, 8 x 8 canopy
64 sq. ft. interior space
Removable side wall
Polyester top with silver coating
Water resistant, fire retardant fabric - meets CPAI-84 requirements
Comes with handy roller bag and spikes
Easy to use pull-pin sliders on legs-no more pinched fingers
Includes free half-wall for extra shading
Includes wheeled carry bag for easy portability
Angled legs for increased support
Frame finish: Powder coat
Top color: Blue with white piping
Weight: 38 lbs.
Warranty: 2 years
Kmart.com Coupons
https://twitter.com/Hoganmag/statuses/330015634354208769Happy Free Comic Book Day! Send an e-mail to hoganmag@gmail.com on Sat., May 4, with your mailing address for a FREE copy of Hogan's Alley!Hogan's Alley, a publication devoted to comic art, is subtitled the magazine of the cartoon arts. It has been published on an irregular schedule since 1994 by Bull Moose Publishing in Atlanta. Covering comic strips, comic books, cartoons and animation, each hefty issue contains at least 144 pages with a square-backed spine. Originally planned as a quarterly, the frequency is closer to that of an annual, with 16 issues published in 15 years.
Buy house for mother to rent - What could be the problem?
Added on : Tuesday April 30th 2013 07:01:18 PM
Dear Fatwalleters,I am looking for opinions and advise on possible pitfalls that could come with the following situation:My mother is currently living in a rental because she moved to be closer to the family. She would like to move into a more permanent place but does not qualify for a home loan. To help her out I would like to purchase a home under my name and let her live there. The idea is that she would pay "rent" equal to the cost of mortgage + taxes + insurance. What could go wrong? Obviously she could fail to pay her rent and I would be stuck with the bill but I know she would do whatever she could so that didn't happen.
Random concerns we have:
1. She wishes there would be a way to structure the set up so she could still build some kind of equity that would be hers since this could be a long term deal.
2. The other siblings could feel a little resentment that at the end of 30 years I have a paid off house that wont be part of a shared inheritance.
3. Are there any legal/ownership issues we should worry about? Would it be better if both of us are on the title? Pro's and Con's?As one more bit of info, this house is really too expensive for her which also makes me nervous. $1100 + Utilities and only $1800-1900 in take home pay. Problem is, $1100 is also what rents cost in the area and she has been paying that for two years. She is an older women with two dogs so getting a roommate isn't an easy option. I don't doubt so much that she will pay, it's more that I feel she is sacrificing too much of the rest of life just for housing.What would you do? Buy the house so your mother can have a stable place to live, or keep waiting for a miracle deal that may never come?Thank you for any responses.
linkStay-at-home spouses will have an easier time obtaining their own credit cards following updated rules issued by the Consumer Financial Protection Bureau (CFPB).On Monday, the CFPB announced that it had updated existing regulations to ensure that spouses or partners that do not work outside the home would still be able to qualify for credit cards. The change came after new credit card regulations made it much more difficult for those people, lacking an income of their own, to obtain approval for credit cards. The change comes after a public outcry from those individuals and members of Congress.Stay-at-home spouses or partners who have access to resources that allow them to make payments on a credit card can now get their own cards, said CFPB Director Richard Cordray. Todays final rule is an example of the Bureaus commitment to working with consumers and financial institutions in order to ensure responsible access to credit for American families.Under the updated rules, credit card applicants who are at least 21 years old will be able to rely on income from another source when applying for a credit card, so long as there is a "reasonable expectation" they can access it. A provision of the Credit Card Accountability, Responsibility and Disclosure (CARD) Act, enacted in 2009, required regulators to ensure that people being approved for credit cards or increasing their borrowing limit actually had the means to make the payments. The Federal Reserve finalized rules implementing that provision in March 2011.But after the rules were finalized, regulators faced push-back from stay-at-home spouses. The rules required that credit card issuers look at an individual's income to determine whether to approve the card that meant that spouses who rely on their partner's income would have no way of obtaining a card on their own.At the end of 2011, a bipartisan group of House lawmakers urged the CFPB to take a closer look at the regulations, and how they might be affecting stay-at-home spouses. For example, they said industry information indicated that women were experiencing a greater decline in their average line of credit than men. In particular, older women who are more likely to rely on income from other family members saw their credit approval rates "decline significantly."Tens of thousands of stay-at-home mothers also mobilized against the rule, calling it a "Mad Men" era requirement that forced women to be reliant upon their husbands for any credit card use.The CFPB first proposed changes to the rule in October 2012. The changes will be finalized once they are published in the Federal Register, likely to come sometime this week.
E-Z Up Sierra II Canopy 10x10 - $55 Kmart in store pick up
Added on : Wednesday April 24th 2013 03:00:12 PM
Link to dealUse coupon code KMARTMUST for $5 off $45
Also don't forget 5% CB from FatWallet!! Brings the total down to $52.25
Product DescriptionSun Safety In Comfort With The E-Z Up Sierra II
Whether youre camping, at the beach, tailgating or having a barbeque, the E-Z Up Sierra II Canopy is a great way to keep food, drinks and people out of the sun to better enjoy those long summer days in comfort. Getting outside and enjoying the fresh air is important but nothing stings quite as much as sunburn. Take shade with you in the quick-up and down canopy thats lightweight and easily portable for on-the-go comfort wherever you travel.
Safer than most, the canopy features a water and fire-resistant top that blocks out 99% of harmful UV rays with its interior silver coating. So if youre planning on tailgating, you can pull the grill a little closer than with lesser canopies for faster cooking and less exposure to the elements. A great way to enjoy fresh air in comfort, this canopy makes a great addition to any outdoor event.
Quick to set-up, the canopys expanding frame work opens fluidly while the blue cover slips on snug for a tight grip in fierce weather. When youre looking for sure footing, the included ground spikes firmly anchor this canopy giving it a secure base to help resist unpredictable gusts of winds. Packing up is a cinch in all kinds of weather, too. The folding frame closes tight, the top folds-up and everything fits perfectly in the handy roller bag for quick transportation and tidy storage.
So no matter where youre heading, if youre planning on staying for a bit, bring the convenient protection and cooling shade of the E-Z Up Sierra II, and cut down on sunburn, costly spoiled food and the bitter taste of sun-heated drinks. At a great price, this canopy is an easy, affordable way to create a comfortable environment wherever you go. Toss it in your trunk, and always be ready for cool summer fun!
Folding canopy
10 x 10 base, 8 x 8 canopy
64 sq. ft. interior space
Removable side wall
Polyester top with silver coating
Water resistant, fire retardant fabric - meets CPAI-84 requirements
Comes with handy roller bag and spikes
Easy to use pull-pin sliders on legs-no more pinched fingers
Includes free half-wall for extra shading
Includes wheeled carry bag for easy portability
Angled legs for increased support
Frame finish: Powder coat
Top color: Blue with white piping
Weight: 38 lbs.
Warranty: 2 years
Kmart.com Coupons
Shnoop-Gillette Mach3 Turbo Cartridges, 24-count - $39.99 FS
Added on : Monday April 22nd 2013 09:00:10 PM
Shnoop Price - $39.99 + Free ShippingThese exact cartridges will cost you $74.97 on Amazon. That's over a $30 savings on 1 order!Make sure youre always stocked up on Gillette Mach3 Turbo refill cartridges.The Gillette Mach3 Turbo combines sophisticated shaving technologies to deliver a close, comfortable shave. The Gillette Mach3 Turbo combines Gillette's 3 Blade Shaving Technology with Anti-Friction blades that gently glide over your face. Its pivoting razor head with 10 Microfins follow every contour on your face for comfort and closeness. A lubricating strip on the razor head gradually fades to white, to indicate when you are no longer getting an optimal shave.
How long will the Gillette M3 Turbo cartridge last? - How long a razor cartridge lasts varies from person to person, as it is dependent on many variables such as beard toughness and thickness, beard preparation, shaving habits, and skin sensitivity. The Gillette M3 Turbo Cartridges have an Indicator lubricating strip will provide you with a visual cue it fades to white when shave conditions have been reduced. When this happens, you may want to consider changing the blade on your razor.Will the Gillette M3 Turbo cartridge fit any other razors on the market? - The Gillette M3 Turbo cartridge features a razor blade that fits on any Gillette Mach3 Power, M3 Turbo, or Mach 3 handle. All Mach cartridges can be used with any Mach handle.

Features and Specs: What you get: 24 Gillette Mach3 Turbo Cartridges - Brand New in Retail Packaging
Advanced 3-Blade Technology - 3 blades for glide and comfort
Mach3 Turbo removes more of each hair with less irritation
Comfort Guard - Features 10 Microfins for a closer shave
Indicator Lubrication Strip - Fades to white when you are no longer getting an optimal shave
Rent Vs Buy in AZ (Another thread - 24 yrs old)
Added on : Sunday April 21st 2013 01:01:17 AM
Me: Single 24 year old male looking to purchase first home in AZ.Let me start by saying I've been reading many rent vs. buy threads on this forum. I would appreciate feedback on my specific situation.Finance situation:
ZERO debt (No car payment, credit cards (PIF each month), or student loans - NOTHING) Credit score is about 780.
Salary is $49,300 plus $5,000 yearly bonus at a very stable fortune 500 company. Job security is high (recently promoted). Have a BS in Finance (Please don't bash me about this post).
$25,000 in scottrade account (Index Funds)
$6,000 in roth IRA
$13,300 in 401k
Working on building liquid savings . I know I should have some liquid savings but I simply continue to stock away in my Scottrade account.Currently, my living situation involves renting a room from a friend who owns a house out in Peoria, AZ. I pay $450 rent and half utilities (~$120 ish) which amounts to about $570 total per month. So far, this situation has worked out okay. I'm fine with staying here a little longer, but I want to start thinking of my next move.I've been browsing properties online and the houses in the area I would like to live range from about $130K - $150K, although I would like to stay closer to the $130K range. I'm not looking for a house so much as an investment, but a place to live and make my own. I would like to possibly rent one of the rooms out, however, I am not considering this as an ideal situation just yet. I'm the mechanical type, so a man cave garage is definitely calling my name for my hobbies (cars & quads). I would like to finance this house with a 30 year fixed mortgage, and put as little down as possible (FHA?). I know by not having the 20% down, I'm paying PMI, and that is something I am fine with. I know many people will ask how long I plan on living in this house, truth is, I do not know. I would definitely live in the house for atleat 5-7 years, possibly much longer, I would then look to rent it out or possibly sell it depending on how the market is at that time. However, I've also never lived in an apartment entirely on my own and it's one of this things I sort of want to experience while I'm still young before commiting to home ownership. My fear is if I rent an apartment, interest rates may move against me. Apartments will rent for roughly anywhere from $500 - $750 where I am looking.What do you FWF's think? Should I buy or rent?Thanks.
Biggest Loser: 3 Tier 12.4 Quart Steamer & Rice Cooker in White @ OrangeOnions.com for $24.99http://www.orangeonions.com/biggest-loser-3-tier-12-4-quart-stea...It's full-steam ahead down the path to healthier eating with the Biggest Loser three-tier steamer and rice cooker. This versatile and easy-to-use steam machine prepares delicious, good-for-you meals to help keep you on track to meet your nutritional goals. For the ultimate cooking convenience, the triple-tier construction provides enough space to steam an entire meal--all at once. Use the first level for rice or potatoes; place fish or poultry in the second; prepare veggies in the third. And, remember: unlike other methods of cooking, steaming brings out food's natural flavor and goodness without adding fat or draining nutrients. With 700 watts behind it, this fully featured cooker produces steam in approximately 40 seconds. Short on kitchen storage? Don't get steamed. The stackable design keeps the steamer compact and easy to stow.
Are We on the Right Path? FWers Assess my Finances & Goals
Added on : Sunday April 14th 2013 09:01:07 PM
Hi all--New FW user but longtime follower. Have used many of your tips in the past but haven't been on the forum in awhile. I'm looking for some advice on my wife and my financial situation, specifically with two things in particular- our home and our desire for children (more later).My wife(29) is a Registered Nurse and I am a Bakery Manager(30) for a high-volume location in a mid-size grocery store chain. Her W2 income last year was $62,000 and mine was $55,000. We have a 3bed/2 bath townhome we bought for 105k in May 2010, with a 30yr mortgage at 4.5% with a payment of $447.50 per month but we generally send an additional $500 towards prinicipal. Our balance is around $68,000~. The current value of the home is around 90k~ due to a few foreclosures and many up for sale in the neighborhood. My 401k is 50% in company stock and 50% in bond funds, with a balance of $60k. My contributions are 6% of salary, and 3% are matched at 100%. My wife has a 403b contributing 5% with a 50% company match, all in growth funds (Fidelity), with a $35k balance. We both have 100k life insurance through our employer.We have no credit card debt and she has $36k remaining in student loans and I have $55k for a degree I have no use for. Mine is at 2.5% and hers is around 4%. One car loan with a year left of $430 payments at 0%. Other car paid for.
My questions:
1) We'd like to move into a single family home because I will be moved to a new location soon, which is closer to her work. 3 bedroom homes generally range from 200-300k in that area. My concern is because of the depressed home values in our neighborhood (specifically the townhome community) we'd be taking a loss on the home around 35k after all is said and done. And who knows how long it would take to sell? Is renting an option? The HOA dues are $130 and we could probably rent for $900~ (booming town and community college nearby), so that is positive cash flow. However I am completely new to owning rental property. What liability would I be taking on and what is recommended for screening tenants? Should I hire a manager/management company?2) My wife suffers from infertility and we have spent $20k on three rounds of IVF to no avail (no insurance coverage despite a very good policy). We are now considering other options, including adoption. We are in the process of reading up on that...is a lawyer necessary? Should we do anything financially to prepare?3) Even though we have no kids or debts, how is our life insurance? Should we supplement with a term life policy (I know whole life and annuity/life blends are frowned upon here)? I know if my wife quits working to take care of potential children that I should get a much higher policy.4) Consider starting an IRA? Anything else we should be worried about?We have significant net income after our mortgage, car, and expenses. Our "guilty pleasures" are good vacations 2-3 times a year. That being said, we have a good amount in checking and savings, as well as a separate 6 month emergency reserve. Vacations will be cut once we have children.
Just visit http://www.sceniclabs.com/ and use the coupon code "3year20" during checkout.
==It's been 3 years since we launched Scenic Labs and started working on our first batch of BluScenes Blu-ray discs. I wanted to thank you for helping us to get our startup off the ground. It would not have been possible without you. And from my very personal perspective, I literally owe you my livelihood.To celebrate 3 years, we are giving you $20 to spend on our site. No strings. Just a gift. Simply use the code "3year20" and you'll have $20 credit instantly to buy anything on our site. Please feel free to share this code. For example, with this code, HD Basics, our newest release, a re-release of a leading calibration disc that lets you get the best image out of your display, is only $9.95. And, even better, your favorite BluScenes discs are just $5. (Limit one $20 gift per customer).Shipping in the USA is based on USPS rates. There is no set expiration date, but most codes expire within 30 days.We will still stick to our 2-emails-maximum-per-year policy, but will try to offer a similar deal for past customers closer to Black Friday. I apologize for missing Black Friday this year. Our new release wasn't ready until the end of December.Just visit http://www.sceniclabs.com/ and use the coupon code "3year20" during checkout.Thanks for an amazing 3 years, and we hope to continue for many more, even as we recognize that technologies change at a breakneck pace. We truly need to stay on our toes. As always, I look forward to hearing from you, and would love to see photographs of how you are using our discs as well as your ideas about how we can make our products better.And if you are looking for a great gift for the mom, dad or grad who has everything, may I recommend HD Basics (Normally $39.95).Warm Regards,Jason Rosenfeld
Scenic Labs/BluScenes
Guns - AR500 Steel USMC "B" Target Size 16 3/4" x 7 3/4" $69.99 + Free Shippinghttp://www.gearhog.com/Deal Overview
This design was created to offer the shooter something at 100 yards and further. Made out of 3/8 AR500 Steel. Makes a great target for many times downrange. Its based of what the Marine Corps shoots. When you show up at the range with this target everyone will want a shot at it. We do not recommend shooting it with Armor Piercing rounds as this will destroy the target. For use of lead ammo. WEIGHT 14LBS DIMENSIONS: 16 3/4 X 7 3/4Shotter and spectators should wear approved eye and hearing protection that provide adequate protection from the activity of shooting.While the AR500 targets will survive closer, minimum recommended distance for pistol shooting is 25 yards.While the AR500 targets will survive closer, minimum recommended distance for rifle shooting is 100 yards.The shooter is responsible for the safety of himself and spectators when shooting at AR500 Steel targets which may cause ricochet.SHOOTING IS BY ITS VERY NATURE DANGEROUS. SHOOT STEEL TARGETS AT YOUR OWN RISK.
To Sell or Not To Sell? 1st Time Home Seller / Weird Situation
Added on : Wednesday April 10th 2013 09:01:12 PM
Apologies in advance for the long post. My GF and I bought a house in early 2011 for 130k, Space Coast area in FL. We had a baby, bought a dog, and life has been good. Baby is 9 months, dog is 2. We went the FHA 3% down route and currently owe $119k on the 30 year note @4.5% - Mortgage, Insurance, Taxes, HOA, PMI = $980/month Then life throws us a pickle... my job will be eliminated in 11-17 months. Once my tenure at my current location ends, my company (Fortune 500 firm) is willing to relocate us across the state to another facility, doing the same work just as before. GF hates her job/management here so we see this as a not so bad thing. She is an ICU nurse and will be able to land a decent job across the state. My company offers $7k to renters and home owners get $14k lump sum / after taxes for moving expenses. We each gross about $55k/year for a total of $110k. We fall into the home owner category, so we would get $14k for moving expenses, if we own at the time of moving. I suggested we wait at least another 6 months before putting house on the market, however GF convinced me to put it up now (yes ~1 year before we can move across state) with a higher price (150k) than 95% of the comps in the area, and see what happens. We figured if we get $145k we can get a storage unit and rent a place and just grind through the next year. Well, after 3 weeks and 10 showings, we got an offer of 135k later increased to 138k which we are willing to accept, if it was friggin 12 months from now. If we sell, I would lose out on $7k tax-free since I will be a renter at the time we have to move. We will also have to move twice in the next 2 years ($$$ and stress HATE moving). I thought about just moving straight to where I need to be next year... I wouldnt mind commuting for a month or two across state (2.5 hrs one way) but I refuse to do it for a year and not spend any time with my young son. After Realtor fees we would have about $10k from the house to work with but a lot more stress of moving with the baby twice in a short amount of time. Our quality of life would be hectic/stressful I would imagine. But, we would be rid of the house and not tied down. If we dont sell, we risk having something in the house break/maintenance, interest rates go up for future buyers, hurricane season, and not getting such a good offer down the line, etc Im leaning to remove the house from the market for now, but want to run this by this community.

Options are:
1. Sell. Walk away with ~10k cash from house Rent something for the next year grind it out through all the moves.
2. Refuse offer, wait for at least 145k (to counter less $$$ from relo package) As time gets closer to move, lower price accordingly.
3. Remove house from market, re-list in ~8 months and hope it sells - Collect $14k from work
Has anyone been in a similar situation? Any advice/suggestions? EDIT: Of course we talked with our Realtor about this. She says we have a difficult choice to make and she understands both sides of the coin. However, while not trying to be pushy, she of course favors the sale of the house now. Not really sure if it's just pay-day talking or her logic that she is pretty confident interest rates will rise, hence reducing future offers.
http://www.flyfrontier.com/specials/MarketCalendar At Wilmington/Philadelphia (ILG), Frontier offers the only airline service to the State of Delaware, putting you closer to downtown Wilmington and the State Capitol in Dover! Save time driving and save money on parking.Wilmington Newcastle Airport is conveniently located off Exit 5A on I-95 in Delaware, just 38 miles from downtown Philadelphia and 45 miles from the Delaware State Capitol in Dover.
Fly Frontier nonstop to five popular cities: Chicago-Midway Airport, Denver, Houston-Bush Intercontinental Airport, Orlando, and Tampa.
Fly Frontiers 162-seat Airbus 320 aircraft on every flight, including with 30 channels of LiveTV at every seat, 5 rows of STRETCH Seating with up to 7 additional inches of legroom, and quality food and beverage choices.
Skip flying from Philadelphia. At Wilmington youll find shorter lines and less travel hassles.
Enjoy affordable parking and a short walk to the terminal.
Rent cars from Avis and Budget both are available at the Wilmington airport.
Access the airport via DART bus routes 22 and 25, providing convenient connections to the Wilmington SEPTA and Amtrak station.
An update to this thread. I explored some parking options on a recent Sunday and thought I'd post it for everybody's benefit:Parking at the Northpoint Center was still convenient and easy on a Sunday, but more expensive than I'd have liked. First 90mins are free with validation (pack of gum at safeway/Walgreens works fine), but after that, it's $2 per every 15 minutes ($8 per hour).Street parking in and around that mall (including closer to Pier 35) was easy to find on a Sunday, but it's now $4.50 an hour (yes, even on Sundays), credit cards accepted. It drops to $3.50 an hour after 4pm (or 3pm possibly). There's a 4-hour max limit.
The impark option posted in that thread might be a better option (it's definitely cheaper, with $15-$20 max on Sundays), though I didn't check it out today.
Tipping Title Closer Nonsense in NY
Added on : Friday April 05th 2013 12:01:11 AM
Once again at closing, I was asked by my attorney to tip the closer $100. I told him no and he professionally acknowledged me (but I can sense some dissatisfaction). This was better then my first closing years ago where MY attorney (a different one) yelled at me for refusing and the atmosphere became very awkward after that. This is a lame practice in the NY area. They either need to be paid better or find new jobs.Apparently even if you elect not to tip them, your lawyer may end up tipping them for you or already a part of your lawyer fee.
20% off online and instore (with printable coupon which will be uploaded at date closer to 4/10)online code is SHOPLPSvalid 4/10-17 20% off (no Kohls Charge needed)earn $10/50 Kohls cash 4/10-17 (redeem 4/18-5/1)Free shipping code not known at this time (if there will be one for $50+ or $0 with Kohls Charge, etc)To be updated as known.www.kohls.com
Kohl's Coupons
I recently had an interview with a company for a similar position that I currently hold with mine. I'm really wanting to get out of my current company due to a lot of management changes etc. and have heard great things about this other company. During the interview I was asked what my current base salary is. I told them I would rather not discuss that at this time but they made it 100% clear they needed to know during the interview to help them not waste anyone's time (I hate HR and hiring manager tactics). They stared at me for a few seconds while numbers shot thru my head like mad. I told them $81,000. They said, good, that's right where we need you to be. The interview continued for another 30 minutes and went better than I could have dreamed. I told them $81,000 because I am very underpaid at my current job and think I deserve more and would want more if I move companies. I really made closer to $72,000.I told my brother what happened and he was like, YOU IDIOT! They can verify that. Whoops! I always thought they could only determine dates of employment and if you left on good terms.Now I'm sitting here worried that if they give me an application that requires I write my old salary in they are going to verify it and I'm screwed. Now, they did ask for base. I told them my pay with bonus and overtime. I'm thinking if they do ask for the application that I write in my REAL base, and if they come back and ask I'll be like, "Oh, during the interview I thought you wanted to know what I made last year? I just did my taxes a few days before and gave you that number. However, on the application I see you asked for base (or however the hell they word it) and that's what I provided.This way, it looks like I'm not hiding anything as putting it in writing, myself, is pretty damn clear. I really don't want to be in a situation where they extend an offer, I accept, put my 2 weeks in, they verify my salary and pull the offer, leaving me potentially jobless.Now, if you guys tell me companies rarely ask for salary then maybe I'll lie on the application
Kindle Books 3/28/13
Added on : Thursday March 28th 2013 03:00:47 PM
Archena mentioned she'd been gone next week, but she may be gone today(?), so I'll start it off and hope she arrives. As always, only guaranteed FREE at time of posting!From Abused Puppy to Beloved Family Member: The Life Story of Jacob the Rottweiler [Kindle Edition]
http://www.amazon.com/gp/product/B005J4Z8OU/ref=oh_d__o00_detail...
Pub. 8/24/11
Follow the life journey of an abused Rottweiler puppy named Jacob to a new life in a forever home and see the effect he had on the couple who rescued him.--------------------------------------------------------------------------------Free Yourself From the Shackles of Clutter: Simple + Easy Methods to Declutter Your Home + Other Vital Aspects of Your Life [Kindle Edition]
http://www.amazon.com/gp/product/B00A8VQQ0E/ref=oh_d__o01_detail...
Pub. 11/16/12Feeling overwhelmed with clutter in your home? Are you constantly losing items due to a messy home? Or perhaps you have clutter everywhere in your office which is affecting your productivity? If you are looking for the most efficient way on how to declutter, then this book is for you. Clutter can negatively impact a person in many ways. From missing items, being less productive and even low self esteem it is essential that you break free from the shackles of clutter. However it may have gotten so overwhelming you may not even know where to begin. Or if you do, it seems that you are not making hardly any progress and dismiss cleaning as a lost cause.This book shows you step by step how you can easily declutter not only your home but many other aspects of your life such as your office, college dorm room and even your mind from negative thoughts. So go ahead and break free of the shackles of clutter and become free to live again with much less stress from having too much clutter. Learn how to declutter and take your life back now!
--------------------------------------------------------------Connected Souls: A Dog Story [Kindle Edition]
http://www.amazon.com/gp/product/B008KRWRF6/ref=oh_d__o02_detail...
Pub. 7/11/12Anytime is a good time to read a dog story! When Karen and Will have to unexpectedly put their beloved best friend to sleep, they aren't sure they will ever be ready for another dog. But when an unusual event happens, they learn there is another dog out there who is counting on them.Based on true events that happened in the author's life, this short story tells the tale of two very different dogs that loved their way into the heart of one family and how, through both life and death, they each formed a bond that would be cherished forever.
-------------------------------Homemade Cookie Recipes The Whole Family Will Love! [Kindle Edition]
http://www.amazon.com/gp/product/B00C0M8FVC/ref=oh_d__o03_detail...
Pub. 3/24/13Homemade cookies are everyones biggest weakness. So if you like homemade cookies, you will love cookie recipes from this book. Simple to
prepare. Rich and decadent, your family will ask you to make these delicious treats often. Homemade Cookie Recipes The Whole Family Will Love! By Heavyn Elizabeth will help you find new, tried and true homemade cookie recipes your whole family will surely love.
----------------------Bread Making Made Easy! A No Fluff Guide To Creating Savory Home Made Bread With Instructable Pictures To Go Along [Kindle Edition]
http://www.amazon.com/gp/product/B00C17MVPC/ref=oh_d__o04_detail...
Pub. 3/25/13Ever wanted to make homemade bread? Now you can! This simple, straightforward guide will show you how to create homemade bread right from the comfort of your home without any expensive equipments needed! Comes with recipes for making popular breads like:- Chapati Bread
- Naan Bread
- Sourdough Bread
- And Many More!(Instructions with pictures enclosed)
--------------------------------------------------35 Slow Cooker Side Dish Recipes: Delicious Side Dishes to Make Your Main Course Shine [Kindle Edition]
http://www.amazon.com/gp/product/B00C107L8G/ref=oh_d__o05_detail...
Pub. 3/24/1335 Slow Cooker Side Dish Recipes: Delicious Side Dishes to Make Your Main Course Shine. Are you looking for ideas on what to serve with your main course? Try these Slow Cooker Side Dishes! The Slow Cooker RevolutionYes, not knowing what to serve with a main course (or having the time to cook) can be discouraging at times, but you don't have to worry with these delicious and easy to make slow cooker side dishes for chicken, fish, beef or pork.With your hectic schedule, you're just too tired for an idea to pop up in your head, right?Well, in this side dish cookbook you will find a variety of recipes that will make your meal planning much easier - and quicker! I wanted to free up some of time for you by compiling this crockpot cookbook filled with 35 side dish recipes and here are a few I've included . . . - Italian Bean Casserole
- Zucchini & Cheese Souffle
- Baked Cinnamon & Orange Apples
- Spanish Rice & Tomatoes
- Hash Brown Potatoes & Cheese
- Plus many more
-------------------------------------------------25 Simple Salads and Delightfully Delicious Dressings [Kindle Edition]
http://www.amazon.com/gp/product/B00BZQLOCG/ref=oh_d__o06_detail...
Pub. 3/22/13When you think of the word salad do you associate it with the words boring, dull or diet? Many people associate salads with diet foods, believing there is no reason to eat them unless you have to. In reality, a salad can not only be very healthy but also very flavorful! A traditional chicken Caesar salad tossed in homemade dressing and topped with fresh parmesan cheese is anything but boring and a southwestern chicken salad is sure to tempt your taste buds. If you want to take a step toward a healthier diet without sacrificing flavor, try these simple salads!
------------------------------------------------Cake Mix Recipes [Kindle Edition]
http://www.amazon.com/gp/product/B00BUR70QO/ref=oh_d__o07_detail...
Pub. 3/14/13The book contains instructions about baking the delicious cookies, brownies, and blondies. The book aims to give everyone with recipes that are easy to prepare. It also changes the way people understand procedures and easily streamline their entire baking process. *extra recipe at the end of this book from the new book due to release this Spring 2013
----------------------------------------------------------------------------------------------Top 50 Delicious Salad Recipes: Latest Collection of MOST-WANTED, Easy And Healthy Salad Recipes For Both Vegetarians And Non-Vegetarians [Kindle Edition]
http://www.amazon.com/gp/product/B00BMAQZRO/ref=oh_d__o08_detail...
Pub. 2/26/13Kinza Waneeeza has another book about salads in general (and a very successful and popular one at that) but here she turns to bow to vegetarians and offers a splendid array of choices that are restricted to being meatless.Of course, keeping with her penchant for International tastes she begins with Famous Greek Salad with recipes for both the salad and the accompanying dressing, Macaroni Salad, her Ultimate Greek Salad (!), Tomato-Basil Pasta Salad, Tzatziki Cucumber Dipping Sauce, Kinza's Balsamic Vinaigrette, Mock Tuna Salad (a very healthy alternative without forgoing taste), California Pasta Salad, Mom's Danish Potato Salad, Radish-Olive Salad with Mustard Vinaigrette, Quinoa Black Bean Salad, Baby Cos, Pear and Feta Salad, a Vegetarian Quinoa Pilaf, Mozzarella Tomato and Basil Couscous Salad and others."
---------------------------------Relationship Questions: Dating Questions for a Healthy Relationship [Kindle Edition]
http://www.amazon.com/gp/product/B00C08KHU8/ref=oh_d__o09_detail...
Pub 3/23/13Want a good relationship? The secret to a good relationship is asking the right questions in the very beginning. Never fall in love with losers again by really learning how to screen out the weirdos from the beautiful people. Its important to know someone before you get attached to the idea of being with them romantically. This book will give you the tools to really know someone before taking the dive and avoid all the relationship troubles most people go through. "Relationship Questions" has over 600 powerful and fun questions to ask that person of interest to you. Instead of finding out things years later, get to know them now and never be surprised again!Asking the right questions means finding the right person!
-------------------------------------------------------------
Light of a Dog [Kindle Edition]
http://www.amazon.com/gp/product/B00BQYJJ06/ref=oh_d__o00_detail...
Pub. 3/7/13This is a real story, though the names are fiction ones. I'd like to keep some respect to my family members.
Though this short story, describes part of my life, it's not a whole biographical book, but it keeps some of it inside. It's impossible to be aware of not sharing part of my life along my books, when there are so many lessons I learned in just five years. So, here I gave you a clue. My books and novels are inspired always in real events. I inspired them in some of my living stories, but I trimmed them with some fiction too.
This book is an inspiration of my two lovely dogs, especially my new girl Shine who is the queen of the story.
--------------------------------Total Chi Fitness - Meridian Stretching Exercises for Ultimate Fitness, Performance and Health (Chi Powers for Modern Age) [Kindle Edition]
http://www.amazon.com/gp/product/B00BZG7NK8/ref=oh_d__o01_detail...
Pub 3/21/13This book is complete, practical guide from where you can learn ancient meridian stretching exercises that will enrich your life in many different ways. Learning curve is short (4-6 days) and 15 minutes for doing them is more than enough. To learn complete set of Total Chi Fitness exercises and therefore enjoy full benefits they provide, you do not need anything else but this book (next to the detailed description and photos, videos are also provided by the author). Simplicity and great power of Total Chi Fitness meridian stretching is shocking to most of the practitioners who reports about this sort of benefits:These exercises will boost your energy levels strongly. If you do them correctly they will help you fight disease, accelerate your mental and physical performance far better then any artificial booster or 'food supplement' and provide you with dozen of additional benefits.If your body is sick or weak:Total Chi Fitness exercise program will help you to heal faster. Relief from modern diseases and health disorders (back pain, headache, feeling of low energy and weakness, inability to concentrate etc.) are only some of the healing benefits people report experiencing with this program.If you're healthy, hard-working, active in sports etc.:Total Chi Fitness exercise program will enhance the result you are achieving. It will catapult you to dimensions packed with fresh energy resources that you currently don't even know of! "Secret" of Total Chi Fitness powers is simple: originating from ancient Chinese medicine and martial arts, it remained unchanged by thousands of years.
Meridian stretching and techniques of Total Chi Fitness rapidly 'clean' your energy channels from all the blocks and obstacles that slowdown free and healthy flow of the life energy - Chi.
--------------------------------------------------------Writing for The Soul: An Autobiography and Guide for the Broken Down [Kindle Edition]
http://www.amazon.com/gp/product/B00BUTMVPM/ref=oh_d__o02_detail...
Pub. 3/14/13Writing for The Soul: An Autobiography and Guide for the Broken Down is the story of author Dylon J. Serpa's journey through depression. It reveals the ugliness of mental health disorders including raging fits during basketball games, striking ones parent and more. The story also follows the story of a younger teens terrible struggle through depression and how writing therapy allowed her to express herself. The book also doubles as a guide, showing the beneficial components of writing therapy.
------------------------------132+ Delicious Salads, Dressings And Dips (Gabrielle's FUSS-FREE Healthy Veg Recipes) [Kindle Edition]
http://www.amazon.com/gp/product/B00BQTE3PW/ref=oh_d__o03_detail...
Pub. 3/7/13From the jaw droppingly simple to wonderfully inventive creations, you can (re-) inject some healthy magic into your mealtimes. No matter what your food preferences are - omnivore, vegetarian, vegan, raw-food, 'paleo' or meat eater, you'll discover how to transform salads into must-have meals and tasty side dishes. Making sensational salads, delicious dressings and delectable dips is one sure fire way to delight your taste buds easily! Let Gabrielle lead you on your own personal salad revolution! Never be bored with the same old boring salads again. Salads can be the flagship of any meal when you have the know-how. Sometimes it's in the salad itself. Other times it's in what you dress it with. Imagine combining two winning recipes which may very well inspire even the most salad-phobic of folk. Gabrielle shows you:How to create delicious salads, dressings and dips all fuss-free, tried and tested and using easy-to-find ingredients!
How to make even the most often-used salad ingredients taste different, by cleverly preparing your vegetables to vary consistency and "mouth-feel". And what a difference that makes.
How simplicity can make you a winner in the kitchen. Some salad recipes you will learn are beautiful precisely because of their simplicity.
How you don't always need a complex or long list of ingredients to make your creations interesting or delicious.
Many versatile recipes, ranging from simple right through to Gabrielle's famous and sophisticated "super salads" showing you how to use anywhere from a handful of ingredients to a cornucopia of produce, all with spectacular result.
It's no secret that eating fresh (mostly) raw vegetables is one of your keys to vibrant health. Join the growing wave of people who believe fresh food should be our medicine and make the transition away from "packaged and processed foods" easily by eating more salads.Gabrielle Raiz is also the author of the best-seller "Green Smoothie Magic". In this 200+ page volume she brings you well over 132 easy-to-prepare, fuss-free Salads, Dressings and Dips that will refresh your senses day in and day out ... deliciously!
-------------------------------Eat to Beat Stress: 10 Super Foods to Prevent Major Symptoms of Stress
http://www.amazon.com/gp/product/B00AS074VA/ref=oh_d__o04_detail...
Pub. 3/21/12Leah Borski is a work-at-home mom, family nutrition enthusiast, fitness & wellness Coach, and TheFamilyTableCookbook.com author/blogger. In Eat to Beat Stress, she lays out a simple and direct guide for using food to defeat five major symptoms of stress. Research shows that when people feel stressed, they reach for food. The trouble lies in the types of food sought out during these times. Studies have found a tendency toward fatty, high-sugar foods, which throw off the bodys ability to function effectively and essentially drive people into a vicious cycle of compounded stress and poor eating habits. Eat to Beat Stress demonstrates simply the mechanics of such a pattern and provides a fast-track to breaking it with 10 nutrient rich foods - including protein foods, grains, and fruits & veggies that specifically target 5 major symptoms of stress. In this booklet, readers will find an easy-to-use list of superfoods with a brief description of each foods stress-fighting benefits, photos, serving ideas, shopping tips, cooking instructions, make-ahead tips, recipes from The Family Table Cookbook website, and a sneak preview section of family-friendly recipes from the upcoming publication The Family Table Cookbook: Cook Smart, Stress Less, Eat Better...Together. Each delicious recipe is quick to prepare and includes specific serving tips and instructions for babies and kids (8 months of age and older) so that everyone in the family can easily benefit from the powerful nutrition and stress-busting qualities of these foods.  ]
My new Amex card, huge Credit Limit!
Added on : Wednesday March 27th 2013 03:01:06 AM
I was shocked! I've had the AMEX Zync charge card for about 2 years now. It was my entry into the exclusive world of American Express Cardmembership. It had an annual fee of $25, but that was offset by the $100 sign up bonus and the yearly shop small credits. I used the card sparingly and never spent more than $50 bucks per statement. The annual fee was about to be charged this month so I thought I'd give a crack at the Blue Cash Everyday then cancel the Zync. I was not instantly approved. I received the card today after a weeks wait. I opened the envelope and saw a 5. I looked closer and saw a 1 behind it...... $15,000 Credit Limit. My six other cards combined barely reached $9,500.
I need help with automobile insurance claim
Added on : Sunday March 24th 2013 09:01:11 PM
STORY:last Wednesday i was driving home from work. approached a 4 way stop sign and stopped. i was heading eastbound. Another driver, whom stopped second, was heading west-bound (same road) both single lane roads....no passing. Okay, so i proceeded through my stop sign and i was about halfway into the road when all of he sudden a truck heading northbound blew his stop sign, doing 45, and railed my truck. i was pushed into the tuck that proceeded from his stop (the one heading westbound) and sandwiched. I filed my claim and we got the police involved, ofc. it was a very bad accident and all 3 cars got towed. the at-fault driver ha his truck totaled as is mine. That night i called his insurance company and he hasnt filed ANYTHING. HA! well, i give him the benefit of the doubt. Today is day 5 and he has yet to even contact his insurance or give a statement. I have no rental. I am going through his insurance because i shouldnt be paying a deductable, he was the moron who blew a stop sign. im a college kid who doesnt exactly have that kind of money laying about..anyways, at this point if he does not record a statement what can i do? i mean- when can i sue this loser and light a fire under his ass? His insurer is State Farm and i live in PA. im not overly familiar with the state laws so enlighten me. Time is of the essence. Please tell me how this process is likely to turn out. It sems, that he is just going to keep is head buried in the sand hoping it all goes away. I was told by State Farm that there is nothing they can do without a statement..
Hi all,I just got an email from my US Airways MasterCard offering 15,000 bonus miles if I spend $750 on purchases in each month in April, May and June. Seemed like a pretty low hurdle for that many miles. Think the offer is for existing card holders and looks like it may be targeted (maybe you could call in and ask for it?). Below is text from email.You can already earn miles for every purchase with your new US Airways Dividend Miles MasterCard. And with this special offer, your card is now more rewarding than ever. Earn 15,000 bonus miles when you spend over $750 in new purchases each month in April, May and June.Getting away is easier than you think.Every purchase gets you closer to getting away. Filling up your gas tank. Dining out. Booking your next vacation. Even monthly expenses, like cell phone and utility bills, will earn miles when you pay with your card. Best of all, for a limited time, all these new purchases can also add up to 15,000 bonus miles!Start racking up the miles!Just use your card every time you make a purchase to take advantage of this great offer. Remember, you need to spend over $750 in new purchases each month from April through June to qualify. You'll be redeeming your bonus miles for award travel in no time at all! Offer is valid for select cardmembers and is not transferable. You will earn 15,000 bonus miles after you charge over $750 in net retail purchases (purchases that are not returned or rescinded) each month from April 1, 2013 through June 30, 2013. If you do not spend over $750 in any of the 3 months of the promotion, you will not be eligible for any bonus miles as part of this offer. To receive your bonus miles, your account must be open and in good standing. Purchases made during periods when your account is delinquent, your balance exceeds your credit line or your account is otherwise not in good standing as defined in your Credit Card Cardmember Agreement do not qualify for this offer. Your bonus miles will appear on your statement up to 6-8 weeks after the end of the promotion. Net retail purchases do not include such things as the purchase of money orders, traveler's checks, foreign currency, lottery tickets, gambling chips, wire transfers, person-to-person money transfers or using the account to obtain a cash advance.
E-Z Up Sierra II Canopy 10x10 - $55 Sears in store pick up
Added on : Tuesday March 19th 2013 02:00:04 PM
Add to cart for $59.99, then apply promo code VALPAK5 for additional $5.00 off. Choose free in-store pickup to avoid shipping charges. Great price for an EZ up!Text
Product DescriptionSun Safety In Comfort With The E-Z Up Sierra II
Whether youre camping, at the beach, tailgating or having a barbeque, the E-Z Up Sierra II Canopy is a great way to keep food, drinks and people out of the sun to better enjoy those long summer days in comfort. Getting outside and enjoying the fresh air is important but nothing stings quite as much as sunburn. Take shade with you in the quick-up and down canopy thats lightweight and easily portable for on-the-go comfort wherever you travel.
Safer than most, the canopyfeatures a water and fire-resistant top that blocks out 99% of harmful UV rays with its interior silver coating. So if youre planning on tailgating, you can pull the grill a little closer than with lesser canopies for faster cooking and less exposure to the elements. A great way to enjoy fresh air in comfort, this canopy makes a great addition to any outdoor event.
Quick to set-up, the canopys expanding frame work opens fluidly while the blue cover slips on snug for a tight grip in fierce weather. When youre looking for sure footing, the included ground spikes firmly anchor this canopy giving it a secure base to help resist unpredictable gusts of winds. Packing up is a cinch in all kinds of weather, too. The folding frame closes tight, the top folds-up and everything fits perfectly in the handy roller bag for quick transportation and tidy storage.
So no matter where youre heading, if youre planning on staying for a bit, bring the convenient protection and cooling shade of the E-Z Up Sierra II, and cut down on sunburn, costly spoiled food and the bitter taste of sun-heated drinks. At a great price, this canopy is an easy, affordable way to create a comfortable environment wherever you go. Toss it in your trunk, and always be ready for cool summer fun!
Folding canopy
10 x 10 base, 8 x 8 canopy
64 sq. ft. interior space
Removable side wall
Polyester top with silver coating
Water resistant, fire retardant fabric - meets CPAI-84 requirements
Comes with handy roller bag and spikes
Easy to use pull-pin sliders on legs-no more pinched fingers
Includes free half-wall for extra shading
Includes wheeled carry bag for easy portability
Angled legs for increased support
Frame finish: Powder coat
Top color: Blue with white piping
Weight: 38 lbs.
Warranty: 2 years
Sears Coupons
3/4 Traveler Tailored Fit Herringbone Topcoat
TextReg. $595.00 Sale! $138.00

http://www.josbank.com
100% wool. Stain resistant. Three-quarter length. Single-breasted button front, center vent, Side-entry pockets, Bemberg lining. Dry clean. Imported.
Sizing Chart Item #: 20856
Additional Sizes:
Color : Select Swatch Below

Size: Select Option 38 - REGULAR 38 - SHORT 40 - LONG 40 - REGULAR 40 - SHORT 42 - LONG 42 - REGULAR 42 - SHORT 44 - LONG 44 - REGULAR 44 - SHORT 46 - REGULAR Color: Select Option GREY HERRINGBONE Traveler Tailored Fit Double Breasted Wool Herringbone TopcoatText
Reg. $595.00

Sale! $138.00
A slightly closer fitting silhouette providing a more modern, tailored look. Nanotechnology for water and stain resistance. Lower slash welt pockets, four sleeve buttons, back center vent, self-fabric belt without bucvvkle, removable shoulder epaulettes with button. Fully lined. Two inside breast pockets. 100% wool. Three-quarter Length. Dry Clean. Imported.
Sizing Chart Item #: 20864
Additional Sizes:
Color : Select Swatch Below

Size: Select Option 38 - REGULAR 38 - SHORT 40 - LONG 40 - REGULAR 40 - SHORT 42 - LONG 42 - REGULAR 42 - SHORT 44 - LONG 44 - REGULAR 44 - SHORT 46 - REGULAR
Jos. A. Bank Coupons
20 MP3 albums at $1.99/each @amazon gold box
Added on : Saturday March 16th 2013 05:00:03 AM
Gold Box Deal of the Day: 20 MP3 Albums for $1.99 Each
Today only, get 20 MP3 albums from a variety of artists for only $1.99 each. Save on music by Ed Sheeran, Pitbull, Walk the Moon, Bob Dylan, Chicago, Rod Stewart, and others. Listen to them immediately on your Kindle Fire, Android phone or tablet, iPhone, or iPod Touch, Sonos, Roku, Samsung Smart TV, Mac or PC with Amazon Cloud Player.
http://www.amazon.com/gp/goldbox/
http://www.amazon.com/gp/feature.html/?docId=1000728411
1. The Very Best Of: Only The Beginning (US Release) by Chicago

2. Playlist: The Very Best '80s Radio Hits by Various Artists3. The Definitive Rod Stewart by Rod Stewart 4. The Hits by Billy Joel5. #3 [Explicit] by The Script

6. The Twilight Saga: Breaking Dawn - Part 2 (Original Motion Picture Soundtrack) by Various artists7. + (Bonus Tracks) by Ed Sheeran8. Billboard #1s: Classic Country by Various artists9. The Best Of Bob Dylan by Bob Dylan 10. Simon And Garfunkel's Greatest Hits by Simon & Garfunkel

11. Elvis 75 by Elvis Presley12. Closer: The Best Of Sarah McLachlan by Sarah McLachlan13. Reflections Carly Simon's Greatest Hits by Carly Simon14. Global Warming [Explicit] by Pitbull 15. Kidz Bop 23 by Kidz Bop Kids

16. Yesterday, Today, Tomorrow - The Greatest Hits Of Kenny Loggins by Kenny Loggins17. Lotus [Explicit] by Christina Aguilera18. Scars & Stories by The Fray19. I Am...Sasha Fierce by Beyonce Knowles20. Walk The Moon by Walk the Moon
Amazon Coupons
Debunking Crugman, Bernanke and Co - deficits do matter
Added on : Tuesday March 12th 2013 08:02:19 PM
Sorry, I know it's a blog-like post, but I enjoyed the article By Laurence Kotlikoff and just must share:
Krugmans Four Dangerous Fiscal FablesThere are four dangerous fiscal fables afloat. The first is that taxes can be cut to raise revenues and lower the deficit. The second is that spending can be raised to raise revenues and lower the deficit. The third is that the deficit can be financed by printing money with no real consequences. And the fourth, and most dangerous, is that the deficit's accumulated value -- the official debt -- is a meaningful measure of our country's or any country's true indebtedness.Paul Krugman, who has been pleading for more deficit spending on a continuous basis in his New York Times column, is hawking all four fables. Pity our children if our policymakers continue to take his views seriously.The Deficit and RealityLet's start with the worst fable, namely that the debt Krugman is considering is, in fact, the right measure of our government's obligations. The measure Krugman is using is the official debt in the hands of the public, which is $11 trillion. But the true debt, known to economists as the fiscal gap, which includes all the off-the-book obligations of the government, is 20 times larger!These off-the-book obligations include the requirement, under current law, to pay today's 40 million seniors, on average, $30,000 per year in today's dollars in Social Security, Medicare, and Medicaid benefits through the rest of their days. They include the requirement, under current law, to pay today's 78 million baby boomers, when fully retired, $40,000 per head, in today's dollars, in Social Security, Medicare, and Medicaid benefits. They include the requirement to pay for all future military expenditures, all future welfare benefits, all future Supreme Court Justices salaries, and the list goes on.Like interest and principal payments on official government debt, these other payments are coming in the future. But of all the expenditures the government is promising explicitly or implicitly to make in the future, only those called "interest and principal payments" are being valued in the present and included in Krugman's measure of government debt.Perhaps Krugman should sit down with a 75-year-old and ask her whether she thinks the government has an obligation to continue sending her a Social Security check every month or a commitment, under Medicare and Medicaid, to help cover her future healthcare bills. Perhaps he should sit down with an admiral and ask whether the government has an obligation to build new submarines and maintain our fleet over time. Perhaps he should ask the head of the Department of Transportation whether there is a requirement to repair federal highways and build new ones.Krugman would quickly learn that these debts -- these obligations to spend -- are no less real and, indeed, a lot more real than the official debt. The official debt, after all, can be wiped out in real terms by printing money and raising prices. Not the case for our transfer payments and direct government purchases. They are either formally or informally indexed for inflation. As for the politics of who will get paid in a crunch, it's not the official debt holders. Just ask Greek bond holders how they fared in recent years compared to Greek retirees collecting state pensions.Paul Krugman is a Nobel Prize winner in economics. He should know the debt is not well defined -- that what's put on the books and what's kept off the books reflects labeling choices by successive Congresses designed to make the official debt as small as possible because, guess what, people like Krugman are writing about the official debt, but not the unofficial debt.Economists have been discussing this labeling problem and have been producing meaningful fiscal gap measures, that are label-invariant, for 40 years. I wrote a column called Deficit Delusion on this in the Public Interest back in 1984 and one in Science back in 1988. My most recent column is posted on the PBS Newshour site.Yet Krugman says in his most recent column that "I have yet to see any coherent explanation of why these longer-run concerns should determine budget policy right now." The coherent explanation is given by economic theory, which makes crystal clear that the choice of fiscal labels is economically arbitrary and that, as a consequence, the projected path of the government's short and long-term cash flows is arbitrary, and that, as consequence, economic theory does not distinguish short-run vs. long-run budget policy. What economic theory tells us is to look at the entire projected path of policy, measure its fiscal gap, and decide on the basis of the size of its fiscal gap whether the policy is sustainable.The equations of our economic models don't define the debt. It's that simple. Nor do the equations in physics define time or distance. In physics, how you measure time and distance is a matter of your frame of reference, which can be viewed as a language or labeling convention.When I was asked in 1988 by Science to write about economics fiscal relativity problem I was struck that the hard scientists could get this point so quickly and that so many economists could not. But, then again, economists are the tailors of this emperor's new clothes and have a very strong incentive to keep discussing fiscal policy using meaningless measures. Krugman is the chief tailor in this regard.The U.S. fiscal gap of $222 trillion is enormous and totally unsustainable. But rather than discuss the fiscal gap, Krugman discusses the official debt which is one-twentieth as large and, as indicated, a measure of the government's words, not its policies.Of course, once you have the emperor convinced that his new clothes are for real, you can take full advantage of his ignorance. Krugman is doing this with his readers. He's taking advantage of their ignorance by showing that a non-measure of government sustainability, intentionally designed to be as small as possible, is not of major concern. And in claiming that the long-run is distinct in terms of policy from the short run and can be ignored until we reach it, he's persuading his readers that they needn't worry about the fiscal Sword of Damocles suspending over our children's heads.This is fiscal child abuse pure and simple, and Krugman should be ashamed of his contribution to it. There is not a single dynamic model of the economy's dynamic transition being published in leading economics journals that doesn't include the constraint that the fiscal gap be zero. But Krugman simply discards what we academic economists call the government's intertemporal budget constraint.Let's be clear. Generationally speaking, paying for the government's spending is a zero sum game. Eliminating the fiscal gap -- satisfying the government's intertemporal budget constraint -- requires either a) an immediate and permanent 64 percent hike in all federal taxes or b) an immediate and permanent 35 percent cut in all projected government outlays including those called "interest and principal." If we wait a decade to take our medicine, these figures become 70 percent and 38 percent respectively. And, guess what? In that case, our children will face even higher taxes or lower spending over their precious lives.These aren't my estimates of the fiscal gap or what's needed to close it. They are my calculations based on the Congressional Budget Office's long-term fiscal forecast called the Alternative Fiscal Scenario. The CBO publishes this forecast in June each year. Last June the fiscal gap was $222 trillion. In June 2011 it was $211 trillion. It rose by $11 trillion between 2011 and 2012, which is the same amount as the entire stock of federal debt! The reason, in large part, is that baby boomers got one year closer to cashing in on all those Social Security, Medicare, and Medicaid payments which they are owed, but which have conveniently been ignored in tallying up federal debt.Krugman dismisses the terrible zero sum generational game we are playing with our kids. He sees our economy operating at less than full employment and says that if the government spends more on what it labels as purchases or transfer payments the economy will be stimulated, everyone will be hired, and the extra spending covered by the associated extra revenues.Something for NothingThis is the second fable -- demand-side voodoo economics -- that more spending will beget more taxes. But it's also the first fable -- supply-side voodoo economics -- that less taxes will beget more taxes. The reason is that cutting someone's taxes is, apart from words, no different that increasing their transfer payments so since Krugman believes that more transfer payments will pay for themselves, he must, perforce, believe tax cuts pay for themselves.Believing that we can get something for nothing -- that we can, in effect, produce mana from heaven by being more fiscally profligate -- is believing in magic. This is why President Bush, the senior, properly called such fantasies, when they were being espoused by Ronald Reagan, "voodoo economics." And when George Bush, the junior, cut taxes, Krugman routinely skewered him for doing precisely what Krugman is now advocating -- praying for mana.But let's assume Krugman has it right and that gambling yet further with our children's economic future will restore the economy to full employment. How much of the fiscal gap will go away? Precious little.Given the recent tax hike and sequester cuts, my guess is that this June's Alternative Fiscal Projection will look better, that the fiscal gap will fall to $200 trillion, and that we'll be short, on an ongoing basis, not 12 percent of GDP, but 11 percent of GDP.The CBO projection has the economy returning to full employment (defined as 5.5 percent) in 2017.If we could miraculously and immediately get back to full employment at no net budgetary cost via spending that pays for itself that would mean, at most, 5 percent more GDP for 4 years relative to what the CBO projects will arise. In terms of lowering the fiscal gap, this would contribute perhaps 2 percent in net revenue for four years against the 11 percent in additional net revenue needed in those years. But, and this is key, it would do nothing to come up with the 11 percent of GDP in net revenue needed for every year in the country's future beyond 2017. The point is that we'd still have an absolutely enormous fiscal gap to deal with even if more voodoo finance pays for itself and immediately gets the economy back to its potential GDP.Earth to Paul Krugman. We've just spent four years experimenting with demand-side and supply-side economics. During this time, the fiscal gap rose by $42 trillion to its current value of $222 trillion. If the fiscal gap in June is $200 trillion, as I predict, its $22 trillion decline won't reflect the healing power of your crude Keynesian voodoo policy, but real tax hikes and spending cuts.So as a means of achieve fiscal solvency, neither Keynesian demand management nor Reagan supply management is working. Yet Krugman and his partner in economic crime -- Larry Summers -- would say more voodoo medicine is needed. But we gave the patient a very big dose and he didn't respond.Meanwhile the underlying structural drivers of the long-term fiscal gap were ignored with all attention focused on the "short term." Again, every passing year brings us closer to all 78 million baby boomers receiving their benefits. These projected payments are like zero-coupon bonds. We're not feeling any cash-flow pain from them now, because Congress arranged the payment stream to delay when they come due. But they will come due shortly.Social Security, Medicare, and Medicaid expenditures are a 35 percent larger share of GDP today than in 2000. President Obama was able to stabilize this growth in his first term, but he didn't reverse it. Meanwhile, the way his healthcare reform was implemented could lead to explosive costs. There is a huge incentive under the Affordable Care Act for employers to shut down their health insurance plans, pay the relatively small penalty, and ship their workers over to the new health exchanges where the vast majority will get very large subsidies. This was one of the few things that Mitt Romney actually got right. But the Congressional Budget Office doesn't have this baked into their projections as far as I know.Don't Forget About InflationThe last fable -- fable three -- is that we can pay off our debts, no matter their labeling, simply by printing money. There is, today, a band of very prominent pundits and policymakers, I'll call them the Money Printers, who think the U.S., the UK, the Eurozone, and Japan can safely print tons and tons of money, pay their bills with this paper, and never have to worry about inflation. The ranks of the Money Printers include not just Krugman, but also Fed Chairman Ben Bernanke, FT columnist, Martin Wolf, Adair Turner, head of the UK's Financial Services Authority, the new Prime Minister of Japan, Shinzo Abe, IMF chief Christine LaGuarde, and the list goes on.But we've seen this movie for five years now, and it's a horror show. Since 2007, the developed world's central banks have roughly tripled the basic amount of money, called the monetary base, that existed in 2007. This has laid the groundwork for a tripling of the price level, i.e., for hyperinflation. Yet the printing presses continue to run at full tilt every second of every minute of every day. Here, again, we have reckless endangerment of our children with no accounting of the generational risks being imposed.In the last century, 20 countries ended up with hyperinflations by using the printing press to avoid taking fiscal responsibility. Now we have virtually the entire developed world printing money out the wazoo.Krugman's response is, "Where is the inflation? Where are the high interest rates?"My answer is give it time. The long history of fiscal and financial crises is that they happen abruptly, at a moment that seems not to matter, but in retrospect it was easy to see that the crisis would eventually materialize.I'm not a religious person, but this quote from the bible seems apt: "When I was a child, I talked like a child, I thought like a child, I reasoned like a child. When I became a man, I put the ways of childhood behind me."The belief in and practice of voodoo economics, extraordinary reliance on the printing press, and the intentional use of deceptive measures of our nation's fiscal obligations is, at its root, childish, selfish, and self-serving behavior by people who don't deserve the title of "adult."Laurence Kotlikoff is an economist at Boston University and President of Economic Security Planning, Inc. whose company markets Maximize My Social Security and ESPlanner (Economic Security Planner).
Life Insurance - What features to look for in a policy?
Added on : Saturday March 09th 2013 03:01:05 PM
I'm in the market to purchase Term Life Insurance for myself. I've never purchased before so the process of shopping around and learning about policies and convertibility is new to me. Been lurking on a different informative thread. I'm enlightened yet confused. Me: Female, 37 years old, non-smoker, not married, no kids. Based on the Health Analyzer on term4sale.com, I am rated Preferred. Just purchased a rental property w/30yr mortgage but no primary home.
Policy: $1MM, 20 year term
Reason for purchase: I've got an aging parent and sibling with no real savings or retirement plan (self-employed for the past 40 yrs, made enough to pay the bills). I want to make sure they're taken care of should something happen to me. Also chose 20 yr because that's when my sibling will start receiving Social Security.What are some factors (besides cost, rating) I need to consider when shopping around? I realize the money is gone when the 20 yrs is up. Blogs I've read talk about converting it to Whole Life as I get closer to the end, and some have Long Term Care advantages. Some family members say their policies will give them a guaranteed payout after X years. Are there term policies that can convert to such a product? Any advice would be appreciated - thanks!
Trade down my car?
Added on : Tuesday March 05th 2013 10:01:13 AM
In January 2012 I bought a new Hyundai Elantra for $20000, because my 2003 Audi A4 was going to cost ~$5000 to fix. Six months prior to this, I had it fixed for $1800, so I didn't want to keep throwing money at it, plus it was so expensive to fix relative to other cars. I shopped around for used cars, specifically Hondas and Toyotas, but had a very hard time finding anything less than 8 years old that was not $15000, so I decided to just buy the new car, since my commute is 45 miles each way to work 5 days a week, which in Houston traffic, generally takes at least 1 1/2 hour.
My circumstances have changed and I am looking to move much closer to work (within 10 miles). I can afford both the car payment and rent, but it would be tight and I'd rather not have to do both, so I have been thinking of turning in my car and getting a 2002-2005 Honda Civic or Toyota Camry/ Corolla using the equity I have in my car (put down 1/4 of the car cost). I will also most likely be moving within the next 2 years overseas and obviously, won't be taking my car with me, which means I'd probably have to sell it before it is paid-off anyway (the payments are for 48 months). I currently owe $12,468 on the car with a 5.6% interest rate. I have also thought of refinancing since my credit has drastically improved over the past year. Basically, I didn't have much credit when I bought the car and had to have a cosigner.
I just really don't want to be forced to make a car payment anymore, but also realize I run the risk of having a major repair on a car that is 10 years old and has >130,000. What do you think is the best move? I am just trying to solicit as many opinions as possible so that I make sure I see every angle before I do anything. I also have the option to stay where I am at, continue the commute and keep my Elantra.
I'm buying my second home, which will be my primary residence. We're in the negotiation phase and $350 is asking and I'm on the second counter offer. This is a great rental property in terms of location/layout, but I couldn't get $3500/month, probably closer to $2300-2800. I plan on living there with my 3 good friends who will be paying $600/each flat ($1800 total). Mortgage after taxes/insurance is somewhere around $1600/month after $20k down and 30 year 3.75% (guessing interest not sure yet). House was built ~1966 in AZ.I think the area is going to continue to appreciate, so while it's not a good rental, I think in 2-3 years I won't be upside down on the home. Worst case I could rent for $2500 in 2 years and cover the $1600/month mortgage.Some questions:
They're having me sign a mold disclosure saying they have no clue if the house has mold and it is my responsibility to do my due diligence. Are there often mold problems in AZ homes?
Investors are selling the home, so they're not providing a "Seller Property Disclosure Statement". I'd like to make sure that nobody has recently died in the home (lol?) but they're saying as investors they just bought and flipped basically.
Also, they say they're not delivering an "Insurance Claims History" of the last 5 years of history and it's my responsibility to do so. So I contact my insurance agent and get that?
I am not getting a home warranty, as there is nothing to cover other than the AC, which already has a warranty.I plan to have a home inspector of course. I'm only concerned about foundation stuff. Newer AC, new oven, and the rest of the appliances aren't there so I get to buy them. I can replace a water heater for a few hundred. Block construction. Split level though so I just want to make sure no issues there. Newer roof.I think a lot of this is boiler plate stuff, which makes sense to protect the seller if they truly have no idea about the homes history, but I also don't want to get stuck finding out some big issue that wouldn't be obvious.I suppose these last closing details would be nice to have comments on things to cover.
Fiskars 6201 18-Inch Staysharp Max Push Reel Lawn Mower Amazon $165.45
Added on : Thursday February 28th 2013 11:00:04 PM
Fiskars 6201 18-Inch Staysharp Max Push Reel Lawn Mower Mowwwww60% easier to push than other reel mowers, patent-pending InertiaDrive
Reel delivers twice as much cutting power to blast through tough spots that would jam other reel mowers
Exclusive StaySharp Cutting System cuts grass without blades touching for long-lasting performance without costly annual blade sharpening
Inset wheel design offers closer side edging, and a unique grass discharge chute throws clippings forward cleanly, away from your feet
Cuts all grass types, even tough southern varieties like St. Augustine, Zoysia, Bahia and Bermuda Best price I seen in a while, just in time for Spring
Amazon Coupons
FREE Highly Rated Courageous eBook Kindle Download (Regularly $14.99!)
Added on : Sunday February 24th 2013 07:00:06 PM
http://www.amazon.com/gp/product/B005FQE2K8/ref=as_li_ss_tl?ie=U...Retailers Choice Award winner, 2012
From the creators of Fireproof comes an inspiring new story about everyday heroes who long to be the kinds of dads that make a lifelong impact on their children. As law enforcement officers, Adam Mitchell, Nathan Hayes, and their partners willingly stand up to the worst the world can offer. Yet at the end of the day, they face a challenge that none of them are truly prepared to tackle: fatherhood. While they consistently give their best on the job, good enough seems to be all they can muster as dads. But theyre quickly discovering that their standard is missing the mark.
They know that God desires to turn the hearts of fathers to their children, but their children are beginning to drift farther and farther away from them. Will they be able to find a way to serve and protect those who are most dear to them? When tragedy hits home, these men are left wrestling with their hopes, their fears, their faith, and their fathering. Can a newfound urgency help these dads draw closer to God . . . and to their children?
Amazon Coupons
Many great deals and combinations!drugstore.com often has 15% off (and sometimes even 20% off), so $5 off $20 would be like 25% off, right? Wrong! It's much better than that! If you play your cards right, this could equal closer to (an additional!!!) 50% off!The main point here is that the $20 is calculated from BEFORE any discounts! So even if you have $10-12 worth of merchandise in cart, as long as the pre-coupon price is over $20, you'll get another $5 off your order!And for icing on top of the cake, take an additional 5% off on top of that!
~~~~~~~~Wow, that was a long introduction. Note: If you got in on any DS deal during the past few days, you might need to clear cookies etc., for link/code to work.Click here to activate $5 off $20 P&G. (If clicking doesn't work, add code 5A7E87B3 in cart instead.In cart also add code: 601D81AB for an additional 5% off. (Discounts show @ checkout, or enter zip-code and click "get estimate" to see discounts in cart)Many items have Free Shipping w/Shoprunner. Alternatively, get Free Standard Shipping after $25 (also calculates for pre-discounts!)Offer applies to the following brands:
Olay, Gillette, Oral-B, Crest, Braun, Max Factor, CoverGirl, Pampers, Clairol, Clearblue Easy, Charmin, Prilosec OTC, Align, Swiffer, Always, Tide, Metamucil, Pantene, Bounty, Secret, Vicks, Tampax, Duracell, Old Spice, Febreze, Frederic Fekkai, Head & Shoulders, Downy, Herbal Essences, Mr. Clean, Cascade, Aussie, Puffs, Fixodent, Luvs, Bounce, Pepto-Bismol, Gain, Dawn, Ivory, Camay, Dreft, Gleem, Safeguard, Cheer, Accuclear, Era, Sure, Joy, Zooth, Swash, Fact Plus, Zest, Bold, Pringles, Scope, and Glide.~~~~~~~A great deal is the Gillette Disposable razors which are currently BOGO, so their pre-discount price is double! (i.e. Get 2 of the $7.49 razors for $7.49, and your only $5.02 short of $20)Also a great deal are the Pantene products that are $3+$1 off when you buy 2. (the $3.99 ones are in essence BOGO, and count as double as well).Also a great deal are the Mr. Clean Magic Erasers (get 24 for $13.75 after coupon and $5+5% discount)Many more good deals! That what the QS is here for
drugstore.com Coupons
Many great deals and combinations!drugstore.com often has 15% off (and sometimes even 20% off), so $5 off $20 would be like 25% off, right? Wrong! It's much better than that! If you play your cards right, this could equal closer to (an additional!!!) 50% off!The main point here is that the $20 is calculated from BEFORE any discounts! So even if you have $10-12 worth of merchandise in cart, as long as the pre-coupon price is over $20, you'll get another $5 off your order!And for icing on top of the cake, take an additional 5% off on top of that!
~~~~~~~~Wow, that was a long introduction. Note: If you got in on any DS deal during the past few days, you might need to clear cookies etc., for link/code to work.[L=Click here]www.drugstore.com/user/promo.asp?code=5A7E87B3&bounce=%2Fcategory%2Easp%3Fcatid%3D308850&atrx=dps-16&atrxp1=312173&atrxp2=0&atrxp3=%2Fuser%2Fpromo%2Easp%3Fcode%3D5A7E87B3%26bounce%3D%252Fcategory%252Easp%253Fcatid%253D308850&atrxp4=61135[/L] to activate $5 off $20 P&G. (If clicking doesn't work, add code 5A7E87B3 in cart instead.In cart also add code: 601D81AB for an additional 5% off. (Discounts show @ checkout, or enter zip-code and click "get estimate" to see discounts in cart)Many items have Free Shipping w/Shoprunner. Alternatively, get Free Standard Shipping after $25 (also calculates for pre-discounts!)Offer applies to the following brands:
Olay, Gillette, Oral-B, Crest, Braun, Max Factor, CoverGirl, Pampers, Clairol, Clearblue Easy, Charmin, Prilosec OTC, Align, Swiffer, Always, Tide, Metamucil, Pantene, Bounty, Secret, Vicks, Tampax, Duracell, Old Spice, Febreze, Frederic Fekkai, Head & Shoulders, Downy, Herbal Essences, Mr. Clean, Cascade, Aussie, Puffs, Fixodent, Luvs, Bounce, Pepto-Bismol, Gain, Dawn, Ivory, Camay, Dreft, Gleem, Safeguard, Cheer, Accuclear, Era, Sure, Joy, Zooth, Swash, Fact Plus, Zest, Bold, Pringles, Scope, and Glide.~~~~~~~A great deal is the Gillette Disposable razors which are currently BOGO, so their pre-discount price is double! (i.e. Get 2 of the $7.49 razors for $7.49, and your only $5.02 short of $20)Also a great deal are the Pantene products that are $3+$1 off when you buy 2. (the $3.99 ones are in essence BOGO, and count as double as well).Also a great deal are the Mr. Clean Magic Erasers (get 24 for $13.75 after coupon and $5+5% discount)Many more good deals! That what the QS is here for
drugstore.com Coupons
Beck's breakout hit "Loser" became an unlikely, ironic anthem for the '90s "slacker" generation, but beneath the obvious self-deprecation of its chorus, the song was an unquestionable triumphThat loose-twanging slide guitar hook! Those mush-mouthed nonsense rhymes!and an incomplete sign of bigger things to come from the gleefully genre-hopping singer-songwriter. Eric Grandy, Google PlayLink to the album belowhttps://play.google.com/store/music/album?id=Bfm7nqnlajybuz32awj...ORGo to the Music Store
https://play.google.com/store/musicScroll down to FREE Song of the Day
Tax Question: Mistake on 2011's 8863
Added on : Tuesday February 19th 2013 03:01:01 PM
hi All,Scenario:My wife was enrolled full-time from May 2011 to May 2012 in a Bachelor's degree (2nd) program at a qualified institution.We received a 1098-T for 2011, none for 2012. Box 1 (Payments received for qualified tuition and related expenses) was blank. Box 2 (amounts billed) was filled in the amount of $50,000. Also, Box 7 (...includes amounts for an academic period beginning January - March 2012) is checked. When I filed my 2011 taxes, I mistakenly entered the full $50,000 amount on Form 8863, rather than the actual amount paid in 2011 which was closer to $25,000.Question:My question is, are we required to submit an Amended 8863 for along with a 1040X in order to claim the credit for 2012? Is an amendment necessary since the change would not effect the credit amount from 2011 (credit would still be the max at $2,000)?
Essentially, there would be no change to the 1040, but I would need to make the change on the 8863.Thanks in advance.
Credit score of "excellent" - how to improve?
Added on : Saturday February 16th 2013 07:00:59 AM
CreditKarma.com says my updated credit score is 754 (excellent) out of a possible 850. How can I get closer (if it is even possible) to 850?
Google Play FREE Song of the Day 2/15 thru the wknd - Loser by BECK
Added on : Friday February 15th 2013 08:00:42 AM
Beck's breakout hit "Loser" became an unlikely, ironic anthem for the '90s "slacker" generation, but beneath the obvious self-deprecation of its chorus, the song was an unquestionable triumphThat loose-twanging slide guitar hook! Those mush-mouthed nonsense rhymes!and an incomplete sign of bigger things to come from the gleefully genre-hopping singer-songwriter. Eric Grandy, Google PlayLink to the album belowhttps://play.google.com/store/music/album?id=Bfm7nqnlajybuz32awj...ORGo to the Music Store
https://play.google.com/store/musicScroll down to FREE Song of the Day
Car Damaged by Ice/debris from Constuction site, any experience?
Added on : Monday February 11th 2013 12:01:00 PM
So today I get to my car, get in and put my key in, before I turned the car on, it sounded like my door wasn't shut completely and there was water/ice inside my car, I look back and my rear windshield is busted, UGHHH. I get out, inspect everything and look around and its pretty obvious that ice/heavy snow fell on my car and the car behind mine, but there were also some rather large bolts on the side of my car, on the floor. The car behind mine still had a nice snow cushion from Snow Storm Nemo, and didn't have any damage that I could tell (it was a soft top convertible).
There is a construction job going on next to where I parked and the heavy snow/ice and bolts must have dropped from the top of the building. So I asked a couple workers where I can find a supervisor/manager and I eventually spoke with them. They took pictures and said that they didn't have anyone cleaning up on the roof and were hesistant to take fault. I asked them for insurance information so that I may file a claim and perhaps get it investigated and the guy just said to get my car fixed and bring them the estimate and they would write me a check. So I did just that, I took a couple more pictures to make it clear of where I was parked, all the heavy snow/ice and bolts, and I drove my car with a busted rear windshield to a shop. The estimate came out to $1405 because of the damage to the roof (dented in) and all the labor was a bit much. Whatever, I left the car with them and headed back to the management guys and dropped off the estimate. The other guys were out for the rest of the day already and the one guy that was still there said he would give it to one of the other guys and they would call me to pick up the check.Has anyone ever had some sort of experience with a construction site damaging your car? Will they simply cut my check and everything will be fine? I dont have a car for 3-4 days now, should I take a rental car and ask them for reimburstment for that too? Has anyone had problems with them not cutting the check and then I'd need to go to small claims court or something (NYC)? Should I have made a police report, waiting for the cops for 2 hours and they would most likely end up telling me to just talk to management at the site anyways? I dont have any of their info or anything, should I have demanded something as proof? I have pictures that all... Also since it was snow/ice related damage, are they still at fault (I wouldn't want to hear a "Its mother nature" excuse)? If I was walking and snow/ice hit me on my head, its obvious the owners are responsible for making sure heavy snow/ice doesn't call from 100feet high and hit someone or something right?Also, say in the event they refuse to pay for the damages, could I force them to pay, by threatening to file a police report and reporting to osha that there are safety issues at the site (bolts flying off the building), which could perhaps bring them one step closer to having the site shut down or something, I just dont want problems, $1400 is a lot for me to pay for my old car and I was planning on getting a new car in like 2-3 months anyways and would never spend even $100 on repairing my car at this point...
Advice needed: To sell or to rent out
Added on : Wednesday January 30th 2013 01:00:53 PM
We just signed a contract for a new SFH. It's a new build and will be complete in Mid May.We need to know which is best option, to rent out our current house or to sell.New house is $600kCurrent house:
Purchased at the peak of the housing market in 07 and paid $380k)
Worth about 330k optimistically (If we sell)If we rent out, it will probably bring in about $1900 to $2000.We owe $220k on it and 15 year mortgage (13 years left) $1900 month + $130 (HOA)Income:
Take home pay monthly about 10k. max out 401k contribution.We've already put down 10% deposit to get the new house started and another 10% needed at closing to avoid PMI and perhaps a slightly better interest rate.So the big question is should we rent it out or sell it and use the money to put down on the new house to avoid PMI?
I don't want to take any money out of retirement funds to pay for the downpayment.1st thought: Rent it out and wait for the market to recover more then sell it. Put the proceeds to the new house to remove PMI.
Also, renting it will pay down the principle $1100 each month (each year someone else is paying principle down by ~$13,000, very tempting) and the rest is interest and escrow.
I've never rented a house out before and afraid of bad tennants. What if they don't pay and I don't have extra money to cover the both mortgages. It would take months to evict a tennant. repair costs, late night calls .. etc... but will pay off at the end2nd thought: Sell it and bring the mortgage of the house down to 80% (closer to 75%) and don't have to pay PMI. easy but might lose money by selling the house now.
So what are your thoughts on this? thank you for any advice given.
How much would you value a shorter commute?
Added on : Sunday January 27th 2013 10:00:57 PM
Hello all, looking to get some of your input on a situation of mine, as I am considering moving closer to work, and am weighing the pros and cons of making such a move. The situation: I am currently in my mid-20s. I currently have a 100 round-trip commute to and from work. That's 500 miles a week, which includes the obligatory having to wake up earlier to account for traffic, traffic accidents, etc. to get to work on time. It's a 5AM alarm clock for me, and I often don't get back home until 8PM at night, and I will hit the sack by 10PM to get enough sleep.The plus side? I have a great deal on rent with this long commute. I live here in CA and pay $700/month total for all utilities, rent, etc. for my own room in a great neighborhood. Downside? I have only about 30-45 minutes to myself every day of the week Monday-Friday because of the long commute. My dilemma: Moving closer to work would allow me much more personal time, albeit at the cost of much higher rent. At my current cost of rent, I'm able to stock away ~$500/month in liquid savings (in addition to $416/mo to a Roth IRA, the balance of which I'm determined never to touch until true retirement). Making the move would torpedo my liquid savings down to about $150/month (I'd still be maxing out the Roth IRA). The $350/month in savings would be a pretty steep sacrifice, but it would be nice to have the shorter commute.Feel free to weigh in, thanks.
*** DEAD **** Kindle Books for 01.26.2013
Added on : Sunday January 27th 2013 09:00:44 AM
Flying with Baby - The Essential Guide to Flying Domestically with Infants ...[Kindle Edition] - normally $2.99Flying with Baby - The Essential Guide to Flying Domestically with Infants Under 1 Year OldMeg Collins (Author), Carol Boyce (Editor), Danijela Mijailovic (Illustrator)39 Reviews - and ★★★★★
9 LikesPublication Date: October 30, 2012Are you dreading your babys first flight? "Can I bring breastmilk through security? And what about her ears popping during takeoff and is my car seat certified to bring aboard?" Blogger Meg Collins (CPST) of LuciesList.com addresses all of the commonly asked questions and concerns about flying with your baby. With input from veteran flyers and flight attendants, youll learn exactly how to get from A to B as easily as possible.Topics include:- Buying tickets
- Where to sit
- How to score a free seat
- Dealing with you car seat & stroller
- Getting through security
- Breastfeeding & pumping
- Keeping your baby happy
- Feeding & more**************************************************************************************The Cornbread Bible: A Recipe Storybook [Kindle Edition] - normally $3.99
The Cornbread Bible: A Recipe StorybookJennifer Shambrook (Author)29 Reviews - and ★★★★★
28 LikesPublication Date: November 19, 2012In The Cornbread Bible: A Recipe Storybook, Dr. Jennifer Shambrook not only shares recipes for some great, low-cost, Southern cooking, but also shares the stories behind the recipes. The people who created the recipes and the people for whom the recipes were created populate this recipe storybook.Dr. Shambrook is a comfortable storyteller and you will find yourself relating these stories as your family or guests eat the down home recipes from this book. With this book, you will find it very easy to be a good cook. You will also find these recipes to be very easy on your food budget. Shambrook cooks with an eye to saving time, effort, and expense.The book offers both recipes and the principles behind the recipes. This enables the reader to follow step by step as they learn the principles, then use these recipes for inspiration to create their own delicious cornbread dishes. There are also general tips such as how to care for cast iron cookware or tell when your oil is hot enough to fry a hushpuppy or corndog.Included in the book are a variety of breads, including many gluten free options. Also included are side dishes (greens with cornmeal dumplings), main dishes (pot roast pie), and a delicious recipe for gluten-free corndogs. There are recipes for breakfast, lunch and dinner.You will enjoy reading the stories behind the recipes as you learn to fry hushpuppies, make the Chihuahua Muffins, or cook hardy cornbread-topped entrees. One of the best chapters in the book is the section on creating cornbread dressing or stuffing. Here, the author shares her version of an easy-to-follow recipe for dressing that has been passed down in her family for generations. But, she doesnt stop there, she offers the principles of how to custom tailor your dressing to suit the tastes of your family and friends.You will find The Cornbread Bible: A Recipe Storybook informative, entertaining and chock full of useful tips that will help you be a better cook while lowering your food budget at the same time.**************************************************************************************
Super Moms Inc.: Work From Home, Build A Profitable Home Business, And Find Time For Your Family When You Have Kids To Take Care Of! [Kindle Edition] - normally $9.97
Super Moms Inc.: Work From Home, Build A Profitable Home Business, And Find Time For Your Family When You Have Kids To Take Care Of!Carolyn Woods (Author)28 Reviews - and ★★★★★
7 LikesPublication Date: November 12, 2012Real Moms Work From Home Secrets Revealed: Over 12 years in the making, this content-packed book reveals the best-kept secrets for working from home and building a profitable home business while finding time for your family - when you have kids to take care of! Do you wish you could quit your job and have time to spend with your family?
Do you need to generate some extra income, to help cover family expenses?
Are you trying to get your home business rolling, but not having much success?
Everything is presented in a simple, straight forward, organized way that you can start using immediately!Super Moms Inc. is filled with real, legitimate business plans and proven advice from a hands-on mom who supports her family out of her home! If you are wondering where to start or what to do next, reading this book is a great next step. It covers topics like:
How to leverage your own passions, skills and strengths to make money doing what you love.

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

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

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

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

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

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

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

Everything is presented in a simple, straight forward, organized way that you can start using immediately!**************************************************************************************Killer Work from Home Jobs: 200 Fortune 500 & Legitimate Work at Home Jobs ... [Kindle Edition] - normally $2.99
Killer Work from Home Jobs: 200 Fortune 500 & Legitimate Work at Home Jobs - How to Make Money Online from Home! (Job Search Series)Lee Evans (Author)36 Reviews - and ★★★★.5
97LikesPublication Date: September 8, 2012Why You Need to Read This Book!Killer Work from Home Jobs: Fortune 500 & Legitimate Work at Home Jobs - How to Make Money Online from Home! will help you accomplish your dream. Is it your dream to spend more time with family?
Do you need to ditch that exhausting, gas-guzzling commute?
Did you always dream of working at home, but couldnt find a legitimate job?The idea for Killer Work from Home Jobs: Fortune 500 & Legitimate Work at Home Jobs - How to Make Money Online from Home! came from the fact that I trudged to my job, as manager of someone elses business, wondering why I wasnt happy. I was good at what I did, achieved the companys goals, made good money, received accolades, but something wasnt right, there was no sense of fulfillment.I cant convey the melancholy I felt, I worked hard to achieve success, earned every academic credential, had a resume to swoon over. But I wasnt a happy camper. Was this all there was?Once I decided to work at home, it was amazing, I jumped in the air and clicked my feet! Killer Work from Home Jobs: Fortune 500 & Legitimate Work at Home Jobs - How to Make Money Online from Home! is dedicated to all those who just cant go back to work. In addition to the I cant take it any mores of the world, this book will help many who have other compelling reasons, as well. The need to work from home runs deep. Taking the first step to working at home will make you jump for joy. Reading this book will mean youre one step closer to your goal. Dorothy got it right, Theres no place like home!How is This Book Different?How is Killer Work from Home Jobs: Fortune 500 & Legitimate Work at Home Jobs - How to Make Money Online from Home! different from other work from home books? Instead of just providing you with links, I spent months researching each company. I wanted to provide you with the same key indicators that were critical to me. Yes, it meant investing more, taking longer to complete, but I wanted a book that gave you a sense of each company.
Is the company financially healthy?
Has the company been around for awhile?
Does the company have a global footprint?
Does the company have money in the bank?My months of research answered these questions, to provide you with key company data.My Promise to YouI verified all links in Killer Work from Home Jobs: Fortune 500 & Legitimate Work at Home Jobs - How to Make Money Online from Home! at publication. Since companies change web pages, and job needs, if any of the links dont work, simply contact me at Free-Job-Search-Websites.com , and Ill provide you with revised link info.Also contact me regarding any jobs in the book you cant locate. Ill check the status of any included jobs for you.Youre not just buying a book, youre buying my promise that Ill tirelessly provide you with the most up to date info at my disposal. Consider me your Work from Home Job Search Coach for the life of your purchase. I want you to make your dream come true!Learn how to find Killer Work from Home Jobs: Fortune 500 & Legitimate Work at Home Jobs - How to Make Money Online from Home!
Workout Mix - Top 40 Hits Vol. 4 - FREE
Added on : Thursday January 24th 2013 02:00:41 PM
Workout Mix - Top 40 Hits Vol. 4 - FREE Head over to get The Biggest Loser Workout Mix FREE Music Download from Workoutmusic.com. Youll get 13 songs for FREE in a zip file you can open/save to your computer. Youll just have to enter your email address and the coupon code FREEBL4 to get your FREE music.http://www.workoutmusic.com/brita.phphasibali op
Add any full price pair of Vans to your cart and use code WUW249 for 30% off. A free pair of Active socks and a Vans checker bag will automatically be added to your cart. Spend $75 or more for free shipping. I was able to meet the $75 requirement by purchasing a gift card for a future purchase. This is a One Day Only offer (1/23).The deal was broken down like this in my cart:- 30% Off all Footwear *not valid with any other offer
- Free Vans Checkered Bag with any Regular priced Vans purchase *While supplies last (-$9.99)
- Free black Active socks with any reg. price shoe purchase. *While supplies last (-$6.99)
- Free Shipping on all Gift Cards *continental US onlyVans shoes on Active.com30% offOn a side note: I also added 5 pairs of Active socks for $25 to get closer to the $75 minimum. Their socks are my absolute favorite for the gym, running, skateboarding, or just every day wear. They're very comfortable, durable, and stylish.
FREE Oscar Mayer Pulled Pork Product Mailed Coupon (FB)
Added on : Tuesday January 22nd 2013 07:01:18 PM
The coupon value for the Oscar Mayer Pulled Pork Product is up to $4.40! Were getting closer to getting a Free product coupon by mail. Just be sure to submit your Taste-a-monial so when they reach enough people you will automatically be mailed the coupon! Possible FREE Oscar Mayer Pulled Pork Product Mailed CouponTo Possibly get a FREE Oscar Mayer Pulled Pork Product Mailed Coupon you have to submit a Taste-a-monial. If enough people do it everyone will get a coupon for a FREE Oscar Mayer Pulled pork product!!
Link here......https://www.facebook.com/OscarMayer/app_523173331049316
Toss this monkey some bananas (green) if this works for you.
I remember last year a similar deal on their hot dogs and I got the coupon for a freebie about a month later.
The ABC of Sales: Lessons from a SuperstarDaniel Milstein (Author)Billion Dollar Sales Expert Shares Secrets on How to Become a Sales Superstar.
The ABC of Sales, Lessons From a Superstar is an award winning book. It was selected the first place winner in the "how-to" category of the Paris France Book Festival and earned an honorable mention in the prestigious New England Book Fair and the San Francisco Book Festival in the business category as well as a first place win in the DIY Book Festival, Los Angeles. During the month of March 2012, The ABC of Sales sold 10,000 copies and became the #1 Sales Book on Amazon and the 31st top seller of all eBook sales.Renowned sales trainer, Brian Tracy, calls The ABC of Sales: Lessons from a Superstar, "an exciting tale of success and achievement...it gives you the tools and strategies to achieve all your goals."Author Daniel Milstein shares eight secrets for consistently reaching high sales levels and lays out in clear understandable language what it takes to be a Sales Superstar. You'll peer inside the mind of a successful sales talent so rare that universities will use this book for their business classes.We're not talking theory here--Dan Milstein is the real deal. He is the 35 year-old CEO of Gold Star Mortgage Financial Group, an Inc. 500 Company which closes a billion dollars in loans annually. Milstein has been recognized as the #1 mortgage originator in the nation, has been among the top 40 financial professionals in America for 10 years and has achieved more than $3 billion in personal career mortgage sales.You can't rack up numbers like that if you don't know how to sell.Born in Kiev, Ukraine, Daniel and his family immigrated to Ann Arbor, Michigan after the Chernobyl nuclear disaster. In high school, Dan developed his work ethic during long hours at McDonald's. After graduating from college he went to work for various financial institutions and was promoted consistently because of his sales acumen.Former FOX News Producer, Jess Todtfeld, says "Dan Milstein will join Zig Ziglar, John Maxwell, Og Mandino, and Brian Tracy in the pantheon of salesmen we should all learn from."Among the gems in The ABC of Sales is Milstein's adage that "Lunch is for Losers," and that the Great Commandment of Sales is "Always Be Closing.""ABC - Always Be Closing, is one of my favorite phrases," says Milstein. "It is a motto I live by and is one of the nine reasons I have been successful as a sales professional. I never turn off my selling mindset; I'm always ready to engage a friend, colleague or stranger in conversations that will lead to a sale."If you really want to rise to the top in sales and be inspired and motivated to surpass your loftiest dreams then order your copy today.FREE for a limited time and so posted under Hot Deals
The ABC of Sales: Lessons from a SuperstarDaniel Milstein (Author)Billion Dollar Sales Expert Shares Secrets on How to Become a Sales Superstar.
The ABC of Sales, Lessons From a Superstar is an award winning book. It was selected the first place winner in the "how-to" category of the Paris France Book Festival and earned an honorable mention in the prestigious New England Book Fair and the San Francisco Book Festival in the business category as well as a first place win in the DIY Book Festival, Los Angeles. During the month of March 2012, The ABC of Sales sold 10,000 copies and became the #1 Sales Book on Amazon and the 31st top seller of all eBook sales.Renowned sales trainer, Brian Tracy, calls The ABC of Sales: Lessons from a Superstar, "an exciting tale of success and achievement...it gives you the tools and strategies to achieve all your goals."Author Daniel Milstein shares eight secrets for consistently reaching high sales levels and lays out in clear understandable language what it takes to be a Sales Superstar. You'll peer inside the mind of a successful sales talent so rare that universities will use this book for their business classes.We're not talking theory here--Dan Milstein is the real deal. He is the 35 year-old CEO of Gold Star Mortgage Financial Group, an Inc. 500 Company which closes a billion dollars in loans annually. Milstein has been recognized as the #1 mortgage originator in the nation, has been among the top 40 financial professionals in America for 10 years and has achieved more than $3 billion in personal career mortgage sales.You can't rack up numbers like that if you don't know how to sell.Born in Kiev, Ukraine, Daniel and his family immigrated to Ann Arbor, Michigan after the Chernobyl nuclear disaster. In high school, Dan developed his work ethic during long hours at McDonald's. After graduating from college he went to work for various financial institutions and was promoted consistently because of his sales acumen.Former FOX News Producer, Jess Todtfeld, says "Dan Milstein will join Zig Ziglar, John Maxwell, Og Mandino, and Brian Tracy in the pantheon of salesmen we should all learn from."Among the gems in The ABC of Sales is Milstein's adage that "Lunch is for Losers," and that the Great Commandment of Sales is "Always Be Closing.""ABC - Always Be Closing, is one of my favorite phrases," says Milstein. "It is a motto I live by and is one of the nine reasons I have been successful as a sales professional. I never turn off my selling mindset; I'm always ready to engage a friend, colleague or stranger in conversations that will lead to a sale."If you really want to rise to the top in sales and be inspired and motivated to surpass your loftiest dreams then order your copy today.FREE for a limited time and so posted under Hot Deals
http://1saleaday.com/flash/biggest-loser/
My local Starbucks lady said the Tumbler with free refills for the rest of January will be going on sale for $15+tax starting the 14th. Now it's finally closer to a good deal.
I have found a way to put infinite money in a Roth IRA!
Added on : Monday January 07th 2013 04:01:02 PM
Inspired by a worthless post on how to borrow money tax free from an IRA I present an equally complicated way that you can actually put as much money as you can afford into a Roth IRA.The gist of it is you're going to open two Roth IRAs simultaneously and take completely opposite positions in the two. You will use a complex options strategy to make it very likely that one account will go broke while the other doubles in value. You will then "undo" the contribution to the loser account, while leaving the winning account in tact. The contribution limit for 2013 is $5,500 so the winning account will have $11,000. If that's all you want to do you stop, otherwise continue:Make two more accounts, do the same trick. Now you have two accounts with $11,000 and two zeroed accounts that have been undone. You then bet the two $11,000 accounts against each other so you have just one account left with $22,000. By now you get the point and you can keep on doing this forever in theory, by simply undoing contributions except for the last one which has all the money in it. Because you always bet on opposite sides of an option bet you're only ever out your commissions.The specifics of why this should work:We all know you can only contribute $5,500 to your IRA for the year. But you can open as many IRAs as you want so long as you withdraw all excess contributions and earnings before the end of the year. Publication 590 says: "If you withdraw contributions (including any net earnings on the contributions) by the due date of your return for the year in which you made the contribution, the contributions are treated as if you never made them. If you have an extension of time to file your return, you can withdraw the contributions and earnings by the extended due date. The withdrawal of contributions is tax free, but you must include the earnings on the contributions in income for the year in which you made the contributions." So even if I make 64 accounts at the start of the year and have them battle against each other until there is just one account standing with all the money, I am technically fine so long as I withdraw all contributions for all but 1 of the accounts. I just pick all of the losing accounts to undo, none of which have any earnings to include in income (note you cannot deduct the losses), and I am left with one account with a giant balance. It's as if the first 63 accounts never happened and I just got incredibly lucky with options bets on that one account.Now what investment could you make that would guarantee one account to double in value and the other to go to zero? You need a broker that will let you trade option spreads. In general IRAs cannot hold short positions in stocks or options, because those have infinite potential losses and they would not let your IRA go negative. But you are allowed to short an option if you limit you loss by buying another option that will offset any losses after a certain point. Let's say the SPY ETF is at $146. What you would do with your $5,500 short 55 call options with a $146 strike while simultaneously buying 55 call options with a $147 strike in the first account. On your second account you do the opposite and buy the 55 $146 strike call options while shorting the 55 $147 strike options. Now the first account will go broke if at the end of the contract SPY is anywhere above $147, and will double in price (net of spread and commissions) if the price ends at anything under $146. The other account will do the opposite. It will double if SPY ends above $147 and be broke if it ends under $146. If it ends in the middle one account will make some money and other will lose the same amount.Now if you followed any of that, you will probably be thinking you will get killed in commissions and bid/ask spread by buying so many contracts, and while that is the case you could certainly choose much wider spreads which would require you to buy many fewer contracts. If you chose a $5 spread, 145/150 for example, you would only need 11 contracts per account to be pull this off. The downside is you make it more likely that the price will end in the middle and leave both accounts with some money, which would make the process trickier to continue (but not impossible).So there's my strategy. I can't imagine anyone bothering to try and pull it off on a large scale but from everything I've read it should work.
Condo Question - Rent, Refinance or Sell
Added on : Saturday January 05th 2013 03:01:15 PM
Looking for some FWF insight on this.I, unfortunately, own a condo that I paid way too much for at the peak of the bubble in 2007. I was fresh out of college, dumber than I am now, and it seemed like a good move at the time. Anyway, family has grown and we are in a house nearby now but trying to figure out long term what the best thing to do with the condo is. We have been renting it the past 2 years and wondering if it is worth it to keep renting or if we should sell it. Also how possible a refi would be.Stats:
Location: Seattle suburb.
Paid 220k for it in 2007 (not really relevant anymore)Currently owe: 120k
Current value (per Zillow): 135kRent Revenue:
Current rent 950/mo (Zillow estimates we could rent as high as 1250 but we are renting to people who take care of it and we know so we are willing to discount)Expenses:
600 in interest per month (mortgage is at 5.75%, have been underwater till recently which limited refi options. Also had WF's LPMI which reduced HARP options for a while)
300 in HOA
200/month to insurance, prop tax
Obviously, at the moment, it is a money loser. We could probably pay it off in 2 years but even then, would it be worth it?
Lets say, best case in 2 years, it brings in 1200/mo with average 650/mo expenses (HOA, insurance, misc), it would bring in just 6600/profit. That comes with an opportunity cost of the maybe 120k I could get out of it now (selling, with fees, etc). That would give a 5.5% rate of return on that capital?Does it make sense to keep? Am I overlooking anything? I accept whats in the past, just looking to best options in the future.
Thanks for the thoughts!
Get 5% back for paying Verizon with AMEX OPEN cc
Added on : Wednesday January 02nd 2013 08:01:04 PM
I tried searching using verizon, so I apologize if this is a repost.A lot of people know that AMEX OPEN (it's a business cc) give 5% on office supplies and cell phone billsI use the AMEX OPEN cc for the 5% on office supplies purchases. I use pageplus for over a year now, so I was surprised when I got 5% back on a "wireless" purchase earlier this year. When I looked a little closer, I found out it was when I used my AMEX to pay for the regular phone line from verzion (we have dsl from them) I only did it once so far, I'll try again and hope to get the 5% again. I think if it's good for phone, maybe it's good for FIOS and even the TV portion, as long as it's being paid through the verizon website.So, short version, if you have the AMEX OPEN card, you might get 5% back on regular verizon payments.
Negotiation tactics
Added on : Monday December 31st 2012 08:01:06 AM
I am a small-time bargainer. But this report from NPR has me intrigued and I am wondering if any of you have similar tales to tell. I am starting to think about a new car and your insights will be of great help.
"Adam Galinsky teaches negotiation at /Columbia University's/ business school. He was recently at an airport in North Carolina, waiting to fly home. The flight was woefully overbooked, and the gate was crowded.Then a crackling voice announced over the PA system: "We're looking for volunteers to fly tomorrow instead of today. And we're offering a voucher."To Galinsky, this was a negotiation with two players: the airline, which needed seats; and the passengers, who had seats. What would it take for the airline to convince passengers to give up those seats?First, the airline offered $300. That wasn't enough for Galinsky. They raised the voucher value to $500, then $700, and eventually to $1,000. Galinsky took the $1,000 voucher but he thought there was room for more negotiation.So he asked the airline: "If I get bumped off this flight, will you put me in first class tomorrow?" The airline agreed. Then he asked for a hotel room for the night. He got it. He continued: a food voucher to cover his dinner. He got it. He even convinced the airline to provide him a car service for his ride home.This technique is called "the nibble," and politicians know it well. Any agreement on the fiscal cliff is bound to include little extra provisions that get added in at the last minute.The nibble is the easy part. What does it take to get to the core agreement? Former FBI hostage negotiator Chris Voss shares a story about a recent experience at a car dealership.Voss says he "fell in love" with a certain SUV. He knew getting the price he wanted would take a lot of negotiation, so he had a strategy in mind. First, he carefully chose his opening offer."If you're going to play the bargaining game, you just need to make the other side mad," Voss said. "You want them to get a little annoyed. Then you know that you've come in with a good price."Voss offered significantly below the sticker price. The salesman came back with a counteroffer.Typically this process would continue back and forth until the price landed somewhere in the middle, but Voss had another trick up his sleeve.He used a technique called "disarming empathy." He praised the truck, and said the price the salesman offered was phenomenal. But he also said he couldn't afford to pay that price.The salesman went to talk to his boss and came back with a price closer to what Voss had offered. Voss turned it down. The salesman went back and forth four times, each time offering Voss a lower price. Voss refused to take the deal until the salesman finally agreed to his price the price he said was the most he could afford."
iOS App Store - Real Boxing - $0.99 (reg $4.99)
Added on : Thursday December 20th 2012 02:00:09 PM
Real BoxingiOS UniversalRated 12+ for the following:
Infrequent/Mild Mature/Suggestive Themes
Frequent/Intense Realistic Violence
Frequent/Intense Cartoon or Fantasy Violence
★★★ Now available for a sensational price of 0.99 USD! Limited time offer. GET IT NOW!! ★★★
Apple AppStore Editors' Choice! TOP10 Sports games in over 100 countries!"Its called Real Boxing for a very good reason, and it lives up to its name impeccably well." 4.5/5 Touch Arcade"Its difficult to argue with a game that looks this good, and plays as well as Real Boxing does. There are so many things to like about this game, beyond how stunning it looks." 5 stars! Apps Magazine"Real Boxing offers a console quality boxing experience. It plays as great as it looks." 4.5/5 148 Apps"Real Boxing looks amazing...Real Boxing can indeed be crowned the undisputed king of iOS fighters" 4 stars - Touchgen"This Striking Motion-Controlled iOS Boxing Game is Completely Unreal" Kotaku"The details that went into each fighter as well as their movements will cause your jaw to drop in astonishment. This is a champion amongst fighter games!" 9.5/10 Appstore Arcade"Arguably the best sports game weve seen in four years of App Store releases. An absolute must-buy for boxing fans, and gamers looking for some cutting-edge iOS gaming." 5/5 ApptudesReal Boxing brings you the most exhilarating, no holds barred fighting action ever seen on the App Store, taking you closer to the action than you ever thought possible. Combining eye-popping ultra-realistic graphics with the revolutionary V-Motion Gesture Control System, Real Boxing lets you control your fighter with real punches through your devices camera.Featuring ultra-realistic motion capture from real boxers plus amazing graphics from the powerful Unreal Engine 3, youll see sweat and blood fill the air and youll feel every hook, jab, and uppercut in Real Boxing, the most exciting boxing game yet on the App Store.★★ Amazing 3D Graphics & Sound ★★
The amazing Unreal-powered graphics and motion capture create astonishing levels of realism. Youll watch sweat and blood fly with every punch and see your opponents face take injuries- then relish to slow-mo action replay of your greatest KOs. Fight in four atmospheric arenas with authentic commentary. See the flash of the camera bulbs, hear and feel the roar of the crowd like youre really there.★★ Revolutionary V-Motion Control System ★★
Control your boxer with your actual fists using the revolutionary V-Motion Gesture Control System that tracks your motions using your devices camera. You can also control your fighter using the traditional tapn swipe system to attack and defend like in other combat games.★★ Incredibly Deep Gameplay ★★
Take-on Career Mode with over 30 fights and three belt titles to conquer. Fight over 20 opponents with their own unique and adaptive fighting styles then train your boxer with mini games including skipping rope, heavy bag and mini bag. Also play KO and Clinch minigames during a round for an energy boost.★★ Take it Online With Multiplayer ★★
Duke it out with your friends in real-time via Game Center. Also plug into your TV for a truly console-like experience.★★ Packed with Extra features & Customisation ★★
Unlock new equipment, extra opponents and customised clothing. Customise your fighters appearance: hairstyle, skin colour, tattoos and clothing.
iTunes Coupons
Kelty Pawnee 50 Pack - Women's - 2012 $69.93 FS @ REI
Added on : Sunday December 16th 2012 05:00:08 AM
Kelty Pawnee 50 Pack - Women's - 2012 $69.93 FS @ REIhttp://www.rei.com/outlet/deal-of-the-dayNeed a dose of the outdoors? Choose the Kelty Pawnee 50 women's pack for day and overnight trips. High-density polyethylene (HDPE) framesheet and single LightBeam aluminum stay provide load support, stability and shock absorption
Padded, S-shape shoulder straps contour to your body without rubbing or chaffing
Breathable dual-density, foam-padded hipbelt distributes pack weight and provides comfortable load support; hipbelt is removable
Sternum strap, load-lifter straps and belt stabilizers help balance the load; pulleylike Scherer Cinch doubles the hipbelt tightening force
Women-specific fit features shoulder straps placed closer together and shaped through the bust, plus hipbelt padding that aligns with a woman's hipbones
Combination front panel and top-loading design provides complete access to all corners of pack
2 mesh water bottle pockets, top lid pocket and a large front pocket keep all of your often-used essentials handy
Daisy chain, ice-axe loop and lash tabs let you strap on extras to the outside of the pack
Spindrift collar cinches down over the main compartment to seal out rain or snow
Main compartment holds a hydration reservoir and features tube ports on lid (reservoir not included)
Side compression straps secure and stabilize the load
REI.com Coupons
Jeep pedal go kart at Costco $149 -- YMMV
Added on : Thursday December 13th 2012 03:00:14 PM
My five-year-old wanted a car he could ride in, and thought the only options were the battery powered cars, but then saw a Jeep pedal-type go kart at Costco for $199. I did a little research--it's made by Berg Toys, a European company, and it sells for closer to $300 on Amazon. Was happy to get it for $199, then saw yesterday that it was marked down to $149. Great deal on what looks like a solid little kid-powered vehicle. Now I can't wait for him to open it on Christmas day! I put YMMV in the title--because I believe that Costco warehouses don't all carry the same products. I'm in the Twin Cities area. Oh, and this is not on their website.
Vested company stock question, screwed
Added on : Thursday December 13th 2012 01:01:17 PM
I'm going to use some simple hypothetical numbers for this, but the real numbers higher. I was given 1000 shares of company that vest 12/10/12, where the stock was at $5.25. They were supposed to establish the cost basis for them immediately and sell of the required shares to cover at about 35% tax rate.So 12/10/12, it should have been worth $5250, then they'd sell 35% ($1837.50) of that to cover the tax, and I can do with it what I want.What actually happened was it vested, then mistakes were made and it didn't sell yet, so now the stock is around $4.50, and they're going to sell enough shares to cover the $1837.50 in taxes owed. So instead of selling the 325 shares to cover the tax, they're going to sell ~408 shares. Add to that, I didn't have the option to sell 12/10/12 when I wanted to sell.So instead of selling 650 @ $5.25 for a net $3412.50, I'm selling 592 @ $5.25 for $2664. So because of the screw ups, I'm out ~$750. The real loss is closer to $3k I'm out, but I don't want to give away the stock.
Question, do I have to establish my cost at $5.25 when it vested in 2012? I thought the way taxes worked, I could sell at vesting price or actual sale price in 2012. I thought vesting was only used if I held onto it in 2013 and chose not to pay taxes on it 2012. I thought I could choose ANY price in 2012 to pay taxes on, and just pay those taxes to establish the cost basis.I know I could have elected for a "Section 83(b)" when I was given them to pay when granted. Is there something similar?Thoughts? Sorry if this is hard to follow.
Ion Icade Arcade Cabinet for ipad 49.99 @ Best Buys
Added on : Monday December 10th 2012 01:00:10 PM
Usually retails closer to $99... yet if someone is interested, its selling for $49.99. I guess you could potentially combine offers and coupons.. but I am unsure.http://www.bestbuy.com/site/Ion+Audio+-+iCADE+Arcade+Cabinet+for...enjoy
Best Buy Coupons
Newegg has Rosewill RLLB-12001 3 Watt MR16 GU10 Base Warm White LED light Bulbfor $6.99 shipped when you use coupon code:EMCJHNC77
Newegg said: General
ManufacturerRosewill
ModelRLLB-12001Specifications
ShapeMR16
BaseGU10
Wattage Equivalent35 Watt Equivalent
Power Consumption3 Watts
Light AppearanceWarm White
DimmableNo
Lumen Range200 to 400
Lumen Output200
Color Temp Range3000K
Lifetime Hours25,000
Voltage100 - 240VFeatures
FeaturesLow Energy Consumption, Only 3 Watts

66.7 lm/watt Luminous efficacy

Emits out up to 200 lm @ Color Temp. 3000 Kelvin (Cool White Version)

3pcs HQ HIGH-POWER LED dies with frosted glass cover provides a soft, bright light, pleasant on the eyes

Over 25,000 Hour Life Time (based on IES Standard, rated life at least 70% lumen)

Estimated Yearly Energy Cost $0.36 (based on 3 hrs/day 11 cent /KWh)

Beam Angle: 20

100~240Vac Input voltage (universal voltage)

Using constant current driver & isolated power supply with power factor >0.5 is safer and uses even less energy

20 viewing angle

-4F to 104F Operating Temperature

Low heat & low CO2 emission, Eco Friendly

RoHS, No mercury, 100% recyclable

CE & FCC Certificate

Dimension 2.1" x dia. 1.9"

G.W. 1.6 oz
Quick InfoWarrantyBeyond any applicable Newegg return policy, this item is warranted independently by the product's Manufacturer or a Third party. Below is a summary provided for convenience only and may not be accurate or current. Read full details.
Limited Warranty period (parts): 1 year
Limited Warranty period (labor): 1 year

--------------------------------------------------------------------------------

I haven't used these, yet, but I had a bad experience with ones from eBay. The seller ended up refunding all the money because they were all burned out after 2-3 months. My guess would be that the LED's them selves were fine, but the power supplies/drivers were crapping out. Lights would blink for a day, and then flicker, and then just have faint glow. Even when you turned the power off, they would still glow for a minute or two.
I hoping these last longer, and closer to the rated 25,000 hours.
Newegg Coupons
Free- The Afterlife Series Box Set (Books 1-3) -Kindle
Added on : Wednesday December 05th 2012 11:00:54 AM
Afterlife Series by International Best-Selling Author Willow Rose
http://www.amazon.com/The-Afterlife-Box-Books-ebook/dp/B00AFHHMR...
Save: $4.99Book 1 - BEYOND
Meghan is 16 when she dies.
She wakes up on a flying steamboat on her way to a school run by Angels in a white marble castle.
On the boat she meets Mick who has been dead for more than a hundred years but still looks like a teenager. He helps her past the difficult beginning at the new school in a new world filled with magic.
One day some of Meghan's roommates find a mirror in the cellar of the school and they persuade her to go through it with them - well knowing it is strictly against the rules of the school. Meghan ends up back on earth where she meets Jason. But Jason is in danger and Meghan knows something important. Something that is a matter of life and death. Soon she is forced to choose between the two worlds. The one she belongs to now and the one she left.
Book 2 - SERENITY
It is Meghan's second year at The Academy.
While trying to help and care for Jason on earth she is struggling to keep up in school, where they this year will learn both to ride Pegasus' and fly through severe storms. Meanwhile Mick is becoming more than a friend to her and soon she finds herself facing the unavoidable choice.
But something evil is threatening the students at the Academy and Meghan is no longer safe within the walls of the castle. Something causes several of the students to be caught in the middle of a nightmare, that they can't wake up from.
Soon they realize that they might have a traitor in their midst.
Book 3 - ENDURANCE
Meghan's training at the Academy is coming to an end. Everything is going great as she comes closer to graduation. She is engaged to be married and the wedding is near when she hears some disturbing news that makes her rethink her future.
In class the students are learning to catch dreams and fly with the speed of light. Meghan soon discovers her special talents and that she is much stronger than she thought. But unfortunately that doesn't help her as she faces the truth about her own death, which will be revealed to her at the end of the year.
$150.00 Bonus after making 5 trades at Motif Investing. It works like this: 1 trade=$50, 3 trades=$75 and 5 trades=$150.00. So basically you net $100 if you do 5 trades, because each trade is 9.95. You need to keep the funds for 45 days if you are planning a dump and run. https://www.motifinvesting.com/
Motif FAQs I've seen their online ads a lot and decided to take a closer look. Its like trading theme-based ETFs which they now call "Motifs". Sounds like a cousin of Folio Investing, Covestor, Sharebuilder etc with their own twist. A wide variety of themes are covered, some of them contrasting. They have "Republican Donors" and "Democratic Donors". "Too Big to Fail" (TARP takers) and "Bailout free banks" (non-Tarp)", "All American", "China Internet", "BRICS". How about "Gay Friendly", "Senior Care", "Child's Play", "No Glass Celings (Women CEOs), "Pet Passion" (pets obviously). Even a "Seven Deadly Sins" type with holdings representing, well, the seven deadly sins. Not sure if people will agree on that though. You own the assets directly, so there isn't any of the mutual fund expense overhead like management fees, marketing fees, etc. Each Motif is based on a theme (whether you agree on the holdings within a theme is another story). BUT, you can actually tweak the holdings within a motif, like increasing/decreasing the holding percentage at no extra cost. Or you can create your own. So its 9.95 to buy, sell, tweak an existing motif with a minimum $250.00 investment amount per motif. If you already own one and you want to trade individual holdings within that motif, thats 4.95 per stock/etf. Looks really low cost. There is plenty of stock overlap between themes (AAPL appears on several themes). I'm not sure how this will work when you do a lot of trades (buy/sell) for taxable accounts. Trades are apparently done in real time, but no limit orders yet. So you could very well be burned with the order fills. They use Apex.
$150.00 Bonus after making 5 trades at Motif Investing. It works like this: 1 trade=$50, 3 trades=$75 and 5 trades=$150.00. So basically you net $100 if you do 5 trades, because each trade is 9.95. You need to keep the funds for 45 days if you are planning a dump and run. https://www.motifinvesting.com/
Motif FAQs I've seen their online ads a lot and decided to take a closer look. Its like trading theme-based ETFs which they now call "Motifs". Sounds like a cousin of Folio Investing, Covestor, Sharebuilder etc with their own twist. A wide variety of themes are covered, some of them contrasting. They have "Republican Donors" and "Democratic Donors". "Too Big to Fail" (TARP takers) and "Bailout free banks" (non-Tarp)", "All American", "China Internet", "BRICS". How about "Gay Friendly", "Senior Care", "Child's Play", "No Glass Celings (Women CEOs), "Pet Passion" (pets obviously). Even a "Seven Deadly Sins" type with holdings representing, well, the seven deadly sins. Not sure if people will agree on that though. You own the assets directly, so there isn't any of the mutual fund expense overhead like management fees, marketing fees, etc. Each Motif is based on a theme (whether you agree on the holdings within a theme is another story). BUT, you can actually tweak the holdings within a motif, like increasing/decreasing the holding percentage at no extra cost. Or you can create your own. So its 9.95 to buy, sell, tweak an existing motif with a minimum $250.00 investment amount per motif. If you already own one and you want to trade individual holdings within that motif, thats 4.95 per stock/etf. Looks really low cost. There is plenty of stock overlap between themes (AAPL appears on several themes). I'm not sure how this will work when you do a lot of trades (buy/sell) for taxable accounts. Trades are apparently done in real time, but no limit orders yet. So you could very well be burned with the order fills. They use Apex.
Megabus Service LA to SF, OAK, SJ, Reno, Riverside, LV $1 each way
Added on : Wednesday November 28th 2012 03:00:04 PM
L=megabus]/megabus.com-coupons/#shopnow=http://www.megabus.com[/L] service LA to SF, OAK, SJ, Reno, Riverside, LV $1 each wayDaily express, city-to-city bus service with free Wi-Fi from $1
All seats for travel during Dec.12-19 to/from newest cities will be $1
Company returns to West Coast based on customer demandNEW YORK, NY (November 28, 2012) L=megabus.com]/megabus.com-coupons/#shopnow=http://www.megabus.com[/L, the first city-to-city, express bus company with fares from $1, today announced expansion to California and Nevada. California and Nevada residents can now travel express to/from Los Angeles, San Francisco, Oakland, Calif., Riverside, Calif., Las Vegas, Sparks/Reno, Nev., Sacramento, Calif., and San Jose, Calif. for as low as $1. Frequent daily service will begin Dec. 12, and customers can begin booking travel at www.megabus.com today.
Fares start as low as $1 every day and increase gradually as the traveling date gets closer. Customers are encouraged to book early to secure $1 fares.Express bus service from new hubs in San Francisco and Los Angeles is another way L=megabus.com]/megabus.com-coupons/#shopnow=http://www.megabus.com[/L keeps Americans connected, said Mike Alvich, L=megabus.com]/megabus.com-coupons/#shopnow=http://www.megabus.com[/Ls vice president of marketing and public relations. "As California and Nevada residents continue to look for ways to stretch their dollar, L=megabus.com]/megabus.com-coupons/#shopnow=http://www.megabus.com[/L is committed to safe, affordable travel during this holiday season and beyond.To celebrate the new service, during first week of travel Dec. 12-19, all tickets will be $1. L=megabus]/megabus.com-coupons/#shopnow=http://www.megabus.com[/L] always offers fares as low as $1, with many other affordable fares on all of its services.I searched thru any dates in Dec and it seems like all the routes are $1. Total price is $2.50 RT YMMV.
MegaBus.com Coupons
Parrot AR.Drone 2.0 Quadricopter $259 @ Fry's in store
Added on : Sunday November 25th 2012 01:00:05 AM
Parrot AR.Drone 2.0 Quadricopter Controlled by iPod touch, iPhone, iPad, and Android DevicesThe deal is listed in Fry's Sunday Ad.
Amazon is selling for $300I'm not sure if it's available online. Link for reference only: http://www.frys.com/product/7409175?site=sr:SEARCH:MAIN_RSLT_PGFLY - RECORD - SHARE Soar high with the new AR.Drone 2.0, Parrot?s next generation quadricopter, thanks to its intuitive smartphone and tablet control. You?ll never be closer to flying as you view the earth from high above in high definition and directly share your experience online with the world.
GUNS, ISSC M111000 M22B 22LR - $199.99 + S/H @ palmettostatearmory
Added on : Friday November 23rd 2012 03:00:10 AM
http://palmettostatearmory.com/index.php/issc-m111000-m22b-22lr....Description:
The M22 is the ideal range pistol. The M22 brings you handling and
performance that is closer to the modern defensive handgun than any other rimfire pistol. Designed for inexpensive high velocity 22LR ammunition, the accurate rapid fire performance of the M22 offers the shooter an economical shortcut for modern pistol practice.
The M22 gives shooters the opportunity to shoot with extreme accuracy due to the combination of a Lothar Walther match barrel, standard on all models, an extremely crisp, 4-lb single-action trigger and adjustable sights.
Each M22 comes with a 10-shot magazine, manual, training target and tools to adjust the front sight and lock the trigger in place.
NOTICE - Do not use BreakFree Powder Blast to clean M22 pistols. This cleaning agent reacts against the aluminum in any gun slide and will discolor or flake off the finish.
In addition to its economical approach to handgun shooting and training, all ISSC M22 pistols are equipped with multiple safeties to insure that shooters will enjoy their shooting time to the maximum degree.Thanks adrian
Should I file a homeowners insurance claim?
Added on : Sunday November 11th 2012 06:00:54 PM
We recently moved to a new place (closer to work) and still have the old house up for sale. We had most of the contents removed, but there was a break in in the past 2 weeks and the thieves took the few pieces of value remaining. Replacement value would be about $750, market value $500. I do not need to replace the items - I was going to sell the items when we sold the house. There is also some damage to an exterior door from where the thieves tried to break in. It's still functional, and probably would go unnoticed by most people. I got a police report, but the question is - should I file a claim on my homeowners insurance? Obviously my concern is an increase in rates.
Self-Indexing / Roth IRA/Traditional IRA Splitting Strategy
Added on : Friday November 09th 2012 06:00:57 PM
I've recently decided to try my hand at buy and hold investing to essentially "create my own index" of sorts - pick about 30 to 40 stocks from across all sectors, invest equal in each of them, splitting reasonably between sectors, and reinvesting dividends (which creates fractional share ownership, basically a DRIP).I've done this within my IRAs. I have both Roth and Traditional IRAs. Since I started doing this, I've gotten similar results to the SP500 which is basically what I was hoping for. Some days I've beaten the index slightly, and today I lost to it slightly.The premise of this post is to discuss a possible way to benefit from this style of investing. From this point forward, please assume it's "good"/reasonable to invest by hand picking 30 to 40 stocks and holding them for 10 to 20 years, rather than buying an SP500 index fund.Assuming you are interested in using that investment strategy, and assuming you have both Roth and Traditional IRAs, here's an idea to shift assets around in such a way as to "convert" Traditional IRA money into a Roth, for "free."The idea is that you split stocks between the Traditional and the Roth in such a way that half of the stocks from each sector are within the Roth and half with the T-IRA. Suppose you owned 4 bank stocks: BAC, C, WF and JPM. You put BAC and C in the Roth and WF and JPM in the T-IRA.Suppose the financial sector takes a hit and drops 10% and the Industrials sector gains 10%. You sell the Industrial stocks that you hold in the Roth IRA, and immediately re-buy those same shares within the T-IRA. At the same time you sell the Bank stocks within your T-IRA and rebuy them within the Roth. Essentially, you "transfer" the winners from the Roth to the T-IRA and transfer the losers from the T-IRA to the Roth.The theory is that shares of stock are fungible, so there's no IRS event that's occurring. You have the same exact shares before and after the event, you just manipulate where you are holding them.If reversion to the mean holds true, then the losing stocks are more likely to increase, and the winning stocks are more likely to decrease. Since you've shifted losers to the Roth, they have the biggest expected future gain, and the winners shifted to the T-IRA have the smallest expected future gain. Thus going forward, if you keep repeating this over a long period of time, you're basically causing the Roth to grow more than the T-IRA which is what you want because the Roth comes out all tax-free.The expense involved is only trading costs of the securities and your time. Does this seem worthwhile?
Some are 95% off list:"Comedy in a Minor Key""Biggest Loser: Flavors of the World""The Prague Cemetery"Several others available; some great to read, others great to gift to people you don't particularly care for while looking like you spent twenty bucks.
Amazon Coupons
Einstein Steampunk Odyssey Telescope $21.99
Added on : Thursday November 08th 2012 02:00:08 PM
Einstein Steampunk Odyssey Telescope is $21.99 today at http://www.priceplunge.com/The Einstein Steampunk Odyssey Telescope lets you peer into the heavens or bring nature up close with a refractor telescope that is modeled after professional instruments. Combining modern telescope technology with a classic steampunk style, this telescope is an inspiring way to view the night sky. Attach the fully adjustable tripod for comfortable viewing, and locate distant objects with the finderscope. With 6 mm and 12 mm eyepieces, the Einstein Steampunk Odyssey Telescope provides 100x and 50x magnification for a closer view of the stars and more.Features:
- Easy to set up and use, with all the features you need to get started
- Magnify the moon, planets, stars, and more up to 100 times
- Includes 6 mm and 12 mm eyepieces for 100x and 50x magnification
- 60 mm objective lens and 600 mm focal length
- Telescope features cross-handle focusing knobs
- Full-size adjustable tripod for convenient viewing
- 3x finderscope magnification for locating distant objectsSpecs:
- Color: Golden-brown with aluminum tripod
- Telescope Barrel Dimensions: 25-5/8" x 2-3/4" (L x W, Approx.)
- Tripod Length: Adjusts from 25" to 45-1/2" (Approx.)
- Focal Length: 600 mm
- Field of View: 1 degree
- Finderscope: 3x magnification
- Eyepieces: 6 mm (100x) and 12 mm (50x)Lowest price found on Amazon for $39.99
WalMart has the Evenflo - ExerSaucer Activity Center, Mega Splash marked down to $39.Shipping is $0.97,
(or add another $6 of "Home Free", and get free shipping after $45.)LinkySome more reviews @
AmazonToysRusThe Evenflo - ExerSaucer Activity Center Mega Splash features beach-themed toys that your baby will love.
This Evenflo Mega ExerSaucer helps babies get the exercise they need to develop their neck, back, and leg muscles in addition to gross motor skills.
This Evenflo - ExerSaucer Activity Center features a convenient removable, dishwasher-safe snack tray.
You can adjust the height of this Evenflo Mega ExerSaucer with your childs height as it comes with a 3-position height adjustment.
The seat pad is machine washable, and it can be removed and cleaned easily.
Evenflo - ExerSaucer Activity Center, Mega Splash:
A safer alternative to walkers; provides a secure environment for baby Interactive, age-appropriate toys
Helps develop gross-motor skills, fine- motor skills, object exploration, cause/effect learning, self-awareness, tactile development, visual development, object permanence, and hand-eye coordination
Landscaped tray surrounds your child, bringing the toys closer to them
3-position height adjustment allows the ExerSaucer baby activity center to grow with your child
Provides an outlet for physical exercise to develop baby's neck, back and leg muscles
Removable, machine-washable seat pad for easy and convenient cleaning
For babies up to 30" tall or until the child is walking
Assembly required
Evenflo Mega Splash model #6161948
Walmart Coupons
Insignia 42" LED TV for 329 at BB YMMV
Added on : Monday October 29th 2012 01:00:02 PM
Its on clearance at my store. Change zip code to see whats closer to you. Since this is on clearance YMMVLink
Best Buy Coupons
Free @Audible.com - Nora Roberts - The Next Always
Added on : Monday October 29th 2012 09:00:36 AM
The Next Always by Nora Roberts
UNABRIDGED
Narrated by MacLeod Andrews
http://www.audible.com/pd?asin=B009IWSK08Publisher's Summary
The historic hotel in Boonsboro has endured war and peace, the changing of hands, and even rumored hauntings. Now its getting a major face-lift from the Montgomery brothers and their eccentric mother. As the architect in the family, Becketts social life consists mostly of talking shop over pizza and beer. But theres another project hes got his eye on: the girl hes been waiting to kiss since he was 16.
After losing her husband and returning to her hometown, Clare Brewster soon settles into her life as the mother of three young sons while running the towns bookstore. Though busy and with little time for romance, Clare is drawn across the street by Becketts transformation of the old inn, wanting to take a closer look at both the building and the man behind it.
With the grand opening inching closer, Beckett is happy to give Clare a private tour - one room at a time, in between blueprint meetings and kindergarten pickups. Its no first date, but these stolen moments are the beginning of something that could arouse the secret yearning that resides in Clares independent heart - and open the door to the extraordinary adventure of what comes next....
2011 Nora Roberts (P)2011 Brilliance Audio, Inc.
Tommee Tippee Closer to Nature $19.99 @ Amazon.com
Added on : Monday October 29th 2012 06:00:07 AM
List Price:$39.99
Price:$19.99 & eligible for FREE Super Saver Shipping and Free Returns.
You Save:$20.00 (50%)
In Stock.
Sold by Bo Toys and Gifts and Fulfilled by Amazon. Gift-wrap available.Link
Amazon Coupons
Hyperlite 130 State Wakeboard Package with 7-11 Remix Boots (Men's) $199.99 + $4.99 S/H @ 98mainhttp://www.98main.com/ The Hyperlite 130 State Wakeboard Package uses toe and heel-specific sides to reduce falls and increase confidence. Beginning and progressing riders will appreciate the added stability when learning to maneuver, and when they begin to jump they'll love the stable landings and good pop. Comfortable Remix bindings sit atop the Hyperlite State and offer easy in-and-out convenience.Board Features: Recommended rider weight up to 155 lbs.
Toe/ Heel side specific edges help make toe side jumps less awkward
Subtle 3-Stage Rocker rides smooth and gives nice pop off the wake
Deeper Molded-in Toe Side Fin sets a solid toe side edge
Outer Molded-in Stabilizers for a steadier ride
Monocoque Construction keeps your sides intact after impact
Layered Glass gives your board consistent snap
Fins: 2 1.3 inch for a tighter feel on the waterBoot Features: Mens shoe size: 7 - 11
Hyperplush Rear Flex Zone feels soft against your leg
Dual Front Lace Zones for a customized fit
Soft internal EVA padding for comfort
Floating Toe for better fit
Single Density footbed for extra support
Low Pro plate system for a more responsive ride
Integrated Heel Brace enhances response
Drop-through footbed makes foot to board connection closer
Injected EVA components reduce overall weight
NEW Removable 6 Pro Plate minimizes heel and toe lift
Pro Plate Mounting Locks allow a more customizable stance
J-bar pads enhance fit and eliminate heel lift
Buffet's Outlook On Investing
Added on : Thursday October 25th 2012 11:01:02 PM
This week Buffet gave an interview on investing where he gave a nugget of wisdom that I hadn't thought of before or considered. He said to invest in companies that you "like" for the reason of you wanting to be part-owner of that business so during stock market declines, you wouldn't consider selling (low) and locking in a loss.He specifically is talking in reference to the Euro crisis dragging the entire stock market down. Basically he says, if you owned a small profitable restaurant, you wouldn't care about problems in Europe and wouldn't consider selling your stake in this profitable local business for problems on the other side of the world that don't impact you.I like this mindset and it will help me sleep better at night. Rather than throw all of my money into the blind index, I've picked and chosen a dozen or so good companies that I want to be part owners in. For example, there's a local fast food chain that I see has been doing incredibly well and they are publicly traded. Now when I wait in line 20 minutes to get food, I feel "good" about it because I am a part owner, rather than feeling pissed off that I'm wasting time.It would be ridiculous for me to put a large portion of my investments into a single local fast food chain, but if I wind up picking 20 to 30 stocks in different sectors, and each one is about 0.5% to 1% of my total portfolio, my risk is minimized.I get an additional benefit of knowing that I'm not forcefully having my money being put into garbage IPOs like Facebook. I don't think a single person on FWF thought FB would actually go up. It was clearly overpriced, and possibly in the short term it might have spiked 30%, but in the intermediate or long-term, it's going to drop to $0 because ALL social networking sites eventually fail (historically). It has to happen. The company is forced to do things to commercialize the business, and users will get pissed that they are not the customer, but the product, and say screw this and delete their account. This isn't a discussion against FB as much as it is the example that by picking and choosing individual stocks, I don't have to worry that any portion of my money is going into crap that I don't want it to.There's going to be trading fees involved that will raise the costs above a 0.6% expense ratio ETF index fund. However, there's no need to sell these companies or rebalance on any regular basis. You can take new money and invest it in a totally new company, or temporarily put new money into an index mutual fund until you get enough to justify the brokerage fee for a stock trade. So you wind up with 50 or 60 good companies after a few years if every $2k to $3k you buy a new stock that you like. If you invested in several smaller local businesses, or started your own several group of businesses, you wouldn't feel bad about having too many if they were all good, provided the logistical administrative overhead wasn't bad.If you take the time to read the 10Ks you will get to learn more about these companies too and feel closer to your investment. If you invested in a local restaurant, you could walk in and talk to the manager or look at the ledger. Well if you invest in a publicly traded company, read the damn 10Ks. I had no idea that my restaurant chain I wanted to invest in had tried to expand into a new state, and recently divested its interests. Now I know.As long as you hit 30 different stocks you get good diversification benefit according to financial theory. I don't know the numbers offhand but investing in 30 different companies gives you like 80% of the diversification safety that investing in 5,000 companies brings. There's diminishing returns so there's no real need to invest in all 5,000 publicly traded US companies in a total stock market fund in order to reduce risk.You get the "Benefit" of a bit of a dopamine rush when you check your stocks at the end of the day. Did you beat the market? Congrats! It's possible. Did you underperform? Oh well, not a big deal as long as you didn't underperform too much.While I do believe in efficient market hypothesis for the most part, I'm starting to believe owning a basket of diversified individual stocks can make a lot of sense, provided you perform due diligence, diversify within different sectors (i.e. don't invest in 30 different IT companies and feel diversified), and buy and HOLD and don't sell on panic. You've picked the companies because they were good. There's a time to sell and there's a time to hold. KNOW IT.
8 Free Horror eBooks- Kindle Edition (save $28.92)
Added on : Wednesday October 24th 2012 11:00:34 AM
Save $28.92 if you grab all 8 Free eBooks!
The Sacrifice save: $6.99
Ah, end of summer, one more week till school starts, and Ruth and her friend Mandy are wading downriver near Ruth's grandfather's cattle and hay farm. Always fun! That is until they spy a newly built house along an upper bank and decide to explore it and are interrupted by two escaped prisoners on their way to Florida. They stab Mandy and take Ruth hostage. She's never been even slapped, but now she is exposed to the kind of evil that she's only heard about. One of the men, Rewis, is a serial killer. He loves to shock. There are many sacrifices on the three-month boat ride downriver, but THE sacrifice at the end of the journey is Rewis's most shocking.
Starers save: $2.99
Imagine if you found yourself the attention of the entire world . . .
The dysfunctional Keene family awaken one Saturday to find several strangers and neighbors staring at their home. Events turn more bizarre when more hypnotized strangers arrive, all seemingly transfixed with those within the Keene household. As the ominous crowd gathers and grows larger by the hour the Keenes find themselves under siege in their own home. With hundreds, then thousands of bodies pressing against the walls of their home, a rising body count and grim premonitions plaguing their dreams, the family must work together to discover who or what is controlling the Starers.
Dark Secrets save: $2.99
When the Powers of Darkness infest a small New England town... A tortured young man, a powerful psychic, a mysterious teacher, and a desperate mother with a hidden past fight for their lives and their souls against the evil that binds them together and threatens to destroy them all. As they get closer to the terrifying truth, some of them will die, making the rest of them more frightened, and yet more determined than ever to see good triumph over evil in the final supernatural showdown. Those who live to see the unholy ritual would be wise to remember that the Devil always collects his due.
Symphony of Blood, A Hank Mondale Supernatural Case save: $2.99
Hank Mondale, a rough-around-the-edges P.I. with a small drinking problem and a large gambling problem, needs a break. With his landlord threatening eviction and his bookie threatening worse, things look bleak. Until real estate mogul Thomas Blake calls with an incredible story: a monster is trying to kill his daughter. Hank figures she's probably some whacked-out spoiled brat, but desperate, Hank takes the case to track down the supposed monster. It seems that people around Mackenzie Blake are disappearing. It's obviously no coincidence. Was Hank hired to unwittingly aid a wealthy murderess? Or is there really someone...or some thing, trying to kill Mackenzie Blake? A symphony plays that only It can hear. But there will be a special performance, just for her.
The Hell Season save: $2.99
Thomas Wright awakens to discover that his family has vanished. None of their possessions are missing. The clothes that they slept in are still in their beds. All too soon it becomes apparent that nearly everyone in town has disappeared, that only he and a few select others remain
Then the sky starts to rain blood.
Dead Religion save: $2.99
Halloween Free Horror - 24 FREE Horror Stories. (Free OCT. 23, 24, and 25 only!) 4.7 out of 5 stars(11)
PALE IMMORTAL save: $3.99
The legend: A hundred years ago, in what is now called Old Tuonela, a killer known as the Pale Immortal walked the streets. When darkness fell children were rushed inside, doors and windows locked up tight. Some claimed the Pale Immortal bathed in blood, and that blood flooded the streets until the ground became saturated.
Even after the Pale Immortal's reign of terror ended, people were afraid. His death had come too late.
Lupine Howl: The Complete Second Series (All 8 books) save: $2.99
*Contains All 8 books*
Book 1: Black Annis
Book 2: Mariner
Book 3: The Children of Herne
Book 4: Broken Spirits
Book 5: Excalibur
Book 6: Ordinary Werewolves
Book 7: Lovers Beware
Book 8: Darkness Falls
Also includes The New Girl (Asylum 1.1), the first book in a new horror series set in a remote psychiatric hospital.
The ebooks are 100% free today, no prime needed.Get them today(10/24/2012) because they may not be free tomorrow.
Microsoft Xbox 360 250 GB Holiday Bundle (w/ Forza Motosports 4 & Elder Scrolls Skyrim V) - $199.99 + tax @ toysrus.com

Microsoft Xbox 360 250 GB Holiday Bundle (w/ Forza Motosports 4 & Elder Scrolls Skyrim V) - $199.99 + tax @ toysrus.com http://www.toysrus.com/product/index.jsp?productId=16655796&skui...

Bundle Details:
* 250 GB Xbox 360 S Console
* Comes with Forza Motorsports 4 rated "E".
* Downloadable game The Elder Scrolls V SKYRIM rated "M".
* 1 month FREE of Xbox LIVE Gold Membership
* 1 month FREE of Hulu Plus
* 1 month FREE of Epix

Price: $249.99
Discount: -$50.00 (20% off)
Final Cost: $199.99 + tax

Free Shipping.

The bundle is currently on "backorder", since it is a new item, which probably wont be released until closer to Black Friday.

NOTE: This could be a "price mistake" because the item has a promotion on it that shouldn't be valid. Offer Details:
Save 20% on regular priced items with your total toy and baby purchase of $125 or more!

Terms & Conditions:
Online only offer. While supplies last. Offer applies to regular-priced merchandise only. Exclusions apply. Excludes presell items, promotional items, sale items, clearance items, baby food, diapers, formula, wipes, car seats, strollers, infant carriers, high chairs, swings, bouncers, entertainers, travel yards, bassinets, on the go and in home gear accessories, Unbeatable Price items, 4Moms, Ameda, Aprica, Baby Jogger, Bugaboo, Bumbleride, Cybex, ERGObaby, LEGO, Mamas & Papas, Maxi-Cosi car seats, Motherhood Maternity, Motorola, Nap Nanny, Naturepedic, OXO, Pediped, Peg Prego, Phil & Teds, Quinny, robeez, Tommee Tippee, Under Armour, electronic learning toys, netbooks, tablets, video game hardware, video games, Apple products, FAO products, Buyer Protection Plan, gift cards, photo studios, phone orders, Special Orders, assembly fee, breast-pump rental fee, delivery fee, and shipping & handling.Thanks TDMVP73 op sd
ToysRUs Coupons
USA & CANADA - FREE BED AND BREAKFAST OVERNIGHT STAY
Inns and Bed & Breakfast Hotels (B&Bs) throughout the U.S. and Canada are looking forward to welcoming active military, retired military and vets for Veterans Day. Participating properties will offer complimentary stays to one or more vets and a guest on Sunday, November 11, 2012 as a thank you for service to our country.This year marks the fourth year for the B&Bs for Vets program. Weve learned from the past that demand is high for the rooms, and while innkeepers choose how many complimentary stays they are able to offer, in some regions of the country, demand may exceed available rooms. We encourage those interested in the promotion to register early, and to understand that the closer we come, the fewer rooms will be available. CANADA - HOW TO REGISTER FOR A COMPLIMENTARY STAY & FIND THE BEST INN/B&B FOR YOU
=================================================================================
http://www.bbcanada.com/bb_vets.cfm

USA - HOW TO REGISTER FOR A COMPLIMENTARY STAY & FIND THE BEST INN/B&B FOR YOU
=============================================================================Rules of Participation for Active / Retired Military and Vets:1) A military ID or discharge papers may be required to prove military duty and active or prior military duty will be verified. Please be prepared to show evidence of prior military duty if asked by the innkeeper.2) A credit card number may be required to hold the room. We ask that all those participating understand their card may be charged for the full amount of one nights stay in the event of a no-show. 3) The room is only free if the guest shows up.4) Rooms are limited. Once they have filled at an individual inn, military and vets can try another inn, but are asked to be respectful of innkeepers if there are no rooms available.5) Vets may bring one guest to stay with them. Most guest rooms at inns and B&Bs accommodate two people maximum and while some B&Bs can accommodate children, many are not appropriate for children 12 and under. 6) Additionally, while some are pet-friendly, many inns/B&Bs are unable to accommodate pets.7) Please be aware of the propertys guidelines and rules before making a reservation, and follow the policies and guidelines for maximum in the room, cancellations, etc.8) Almost all inns and B&Bs are smoke-free. Some may provide outdoor locations for smoking but many do not allow smoking in or outside whatsoever. HOW TO FIND A PARTICIPATING INN/B&B
===================================1) Go to the B&Bs for Vets page on www.BetterwaytoStay.com2) Scroll down and sort offers by the state where you wish to book your stay.3) A list of participating inns from that state will appear.4) Offers will appear FULL as rooms are filled at participating inns. 5) Innkeepers may have waiting lists in the event of cancellations. if you see an inn/B&B indicate that it is FULL you may call to see if it is possible to be placed on the waiting list or move on to another option on the list.6) Make arrangements for your free stay by contacting the inn/B&B where you wish to stay directly by phone or email. 7) NO arrangements for complimentary stays can be made via the BETTER-WAY-TO-STAY Website.  For other Veterans Freebies and Deals click here
Zoom H2n (Audio) Recorder $142.76 at Amazon (free shipping)
Added on : Saturday October 13th 2012 11:00:05 AM
Ever thought about recording your favorite band in concert? With the way prices of digital recorders have dropped, there is practically no reason not to.
Many bands are taper friendly and some even set up special areas to insure good sound and a taper friendly group around you. For those bands or venues
that don't allow open taping, a small discrete recorder is the key. This model of Zoom recorder is a great balance of low cost, high quality, and discrete
size. It records to standard SD and SDHC cards. A 2 Gb SD card will record most concerts (capacity would be just over 3 hours in CD quality mode), but
the 32 Gb SDHC cards have dropped in price so much that you can easily match the battery life of a few sets of AA batteries (rechargables work great too)
and can record an entire festival without having a lot of extra stuff weighing you down.
LinkAzonAs most of you know, Amazon.com doesn't exactly set a price and leave it for 6 months, so this price may fluctuate up or down slightly (or greatly), but this is one of the lowest
prices I have ever seen on this recorder. It was closer to $200 just a few months ago.Product Features Over 20 hours of operation using two standard AA batteries
Key Control, A-B Repeat, File Dividing, Normalize, MP3 Post-Encode, Marker and Surround Mixer
Additional functions include Lo-cut Filter, Compressor/Limiter, Auto Gain, Pre-Rec, Auto-Rec, Tuner, Metronome, Variable Speed Playback
Records in WAV up to 24-bit/96kHz and MP3 up to 320kbpsProduct Description
The Zoom H2N Handy Recorder is Zooms most feature-rich, high-quality portable recording device to date. Its robust, rugged, records in 4 splendid modes and easily fits in your pocket.The new design of the remarkably easy to use Zoom H2N features the best onboard microphones (theres 5 of them) Zoom has ever put into a recording device and the results are astoundingly good. Youll be able to capture pristine, studio-quality audio anywhere life takes you from band rehearsals, songwriting scenarios, journalism, podcasting, business meetings and lecturesanywhere and everywhere!Some incredible, useful audio processing features are built right into the Zoom H2N Handy Recorder helping you to capture the very best recordings possible. Theres onboard audio processing including compression/limiting for achieving the best signal to noise ratio without any nasty overs that create otherwise nasty sounding distortion; a low-cut filter to reduce inherent rumble from the sound source; a normalize function, variable speed playback, A-B repeat mode, a tuner, metronome, file dividing and surround mixer. Theres even a built-in MP3 encoder transforms your original 24-bit/96kHz WAV file into an MP3 file small enough to easily share via email or for posting on the web. Offering incredible recording versatility, the Zoom H2N allows you to record in MS (mid-side) stereo, 90-degree X/Y stereo, 2-channel and 4-channel surround sound. Two AA batteries (included) are youll need for over 20 hours of continuous operation. Power can also be provided by an AC adaptor, included in the optional APH-2n Accessory Pack. In addition, you can power the unit via its USB port. The controls of the H2N are logically and ergonomically positioned on each side of the unit. Theyre within easy reach so making adjustments on the fly is a snap and a click! A bright, easy to read 1.8 LCD display provides a crystal-clear readout of recording levels and all the H2Ns functions.
Amazon Coupons
Hi everyone,www.citipricerewind.comJust got this in the mail today - was completely unaware of this program. Did a search and I see a thread from last year, but with the holidays coming, thought I would again share this as I didn't have a clue and seems like a pretty good program, and free on top of that. Would definitely take advantage of this for any large purchase - especially as it gets closer to the holidays and a higher change of a lower price being found. Looks like it will apply to all major stores (ie doesn't apply to eBay or other such things - see below). -------------
Citi Price Rewind is a complimentary service that tracks the price of most items you buy with your Citi card and gives you money back if theres a lower price found.Citi Price Rewind tracks the price for you.
For 30 days after your purchase, Citi Price Rewind will see if there is a lower price available for the item you purchasedGet money back.
If a price is found that is at least $25 lower than what you paid, youll get refunded the difference, up to $250 per item, and $1000 per year.Just register to get started.
Register for this complimentary service by entering your invitation code on www.citipricerewind.com and leave the shopping around to Citi Price Rewind."if within 30 days of the original purchase date a lower price of at least $25 is advertised for the same item by the same manufacturer in a Printed Advertisement or on a non-auction Internet Advertisement, or a validated lower price is provided from a price tracking entity authorized by Citi"
LOTR Triology Blu Ray + hobbit movie money preorder 9.86 @ Walmart
Added on : Tuesday October 02nd 2012 04:00:02 PM
LinkyThe following content was provided by the publisher.Receive Movie Money Towards One Admission Ticket to see "The Hobbit: An Unexpected Journey" in Theaters 12/14/2012. "The Fellowship Of The Ring": Assisted by a Fellowship of heroes, Frodo Baggins plunges into a perilous trek to take the mystical One Ring to Mount Doom so that it and its magical powers can be destroyed and never possessed by evil Lord Sauron. The astonishing journey begins in the first film of director/co-writer Peter Jackson's epic trilogy that redefined fantasy filmmaking. "The Two Towers": Frodo and Samwise press on toward Mordor. Gollum insists on being the guide. Can anyone so corrupted by the ring be trusted? Can Frodo, increasingly under the sway of the ring, even trust himself? Meanwhile, Aragorn, drawing closer to his kingly destiny, rallies forces of good for the battles that must come. "The Return Of The King": It is time. For Frodo to overcome the wickedness of Gollum, the horrifying attack of the colossal arachnid Shelob and the soul-twisting allure of a ring that resists destruction. For Aragorn to take up the sword of his forebears and the crown of his birthright. For the mighty clash that wizard Gandalf calls "the great battle of our time." And for the inspired culmination of the films based on J.R.R. Tolkien's literary classic. For the third time, a "Rings" movie was a Best Picture Academy Award(R) nominee and for the first time it claimed that prize (plus 10 more). "The King" deserves its crown.Movie Money Discount Expires 12/30/2012. Subtitles: English SDH (Subtitles for Deaf and Hearing Impaired).Preorder this item today and it should ship on 12/04/2012
Best Buy Upgrade & Save $5 Off Any Blu-Ray $9.99 And Up w/DVD Trade In 10/7/12 - 10/20/12 Confirmed by a BB employee at blu-ray.com
http://forum.blu-ray.com/showthread.php?t=205970

Basic details
Quote from musick :
$5 Upgrade & Save Coupon:

Bring in your original DVD (no burned copies accepted) with the original case to Customer Service and receive a $5-off coupon valid on any Blu-ray movie, TV or music priced $9.99 and up. See a Customer Specialist or visit BestBuy.com/upgradeandsave for more details about the Upgrade & Save promotion. Limit 5 coupons per trip. A recycling receipt must accompany the coupon at time of redemption. Once you have received your coupon, if you do not find a Blu-ray, TV or music, you are unable to get your turned-in DVD back. Not valid with any other discount or package. Limit one coupon per each Blu-ray purchase. Markdown taken from original price. Your original DVD must have been commercially packed and with the original case. Adult content DVDs not accepted. Not valid with any other offer. Valid on in-stock Blu-ray movies, TV or music only. No cash value. Offer valid 10/7/12 - 10/20/12

Details on specific bargains to be posted closer to start date musick op
http://www.amazon.com/dp/B0031QHHH4The Me I Want to Be by John Ortberg---the bestselling author of When the Game Is Over, It All Goes Back in the Box; God Is Closer Than You Think; and The Life You've Always Wanted---will help you discover spiritual vitality like never before as you learn to 'live in the flow of the spirit.'But if God has a perfect vision for your life, why does spiritual growth seem so difficult? John Ortberg has some intriguing answers to that question, and he has organized his thoughts and God's words into a straightforward and timely guide for living your best life in The Me I Want to Be.This book will show how God's perfect vision for you starts with a powerful promise. All those who trust in God 'will be like a tree planted by the water that sends out its roots by the stream. It does not fear when heat comes; its leaves are always green. It has no worries in a year of drought and never fails to bear fruit' (Jeremiah 17:7-8).Ortberg urges you to recognize your brokenness, understand that God is the project manager, and follow His directions. The author first helps gauge your spiritual health and measure the gap between where you are now and where God intends you to be. Then he provides detailed tasks and exercises to help you live in the flow of the Spirit, circumventing real-world barriers---pain and sorrow, temptations, self-doubt, sin---to flourish even in a dark and broken world. As you start living in the flow, you will feel:--- a deeper connection with God--- a growing sense of joy--- an honest recognition of your brokenness--- less fear, more trust--- a growing sense of being 'rooted in love'--- a deeper sense of purposeGod invites you to join Him in crafting an
Amazon Coupons
Multiple student loans, should I consolidate??
Added on : Tuesday September 25th 2012 03:00:53 PM
Hi all,I have searched the forums, and not found a case like mine, so I'm hoping you all can help. Basically, I went to school in Columbia University for my Masters. In my field, I should make ~100k a year after another year or so, and closer to 200k after 5 years of experience and passing my board exams. At the moment, however, I make ~45k and have ~100k in student loans. I have a phenomenal credit score, and always pay my bills on time, but my student loans take in more than 50% of my paycheck per month. Between that and rent, I barely, barely make it by the skin of my teeth.The problem lies in that my student loans are spread through multiple providers, some private (unfortunately), and some government. I owe 4 different companies, and I spend almost 1200 a month in the student loans alone. I've tried lowering them, but lowering one individual one still doesn't help the situation very much (alleviates maybe 100 a month). Now, should I consolidate my loans?? I imagine I'd be loosing out a lot on the few of them that have good interest rates (6.25%, mostly), but if I could consolidate them into ONE then say 'Hey, do that thing where you take 20% of my paycheck' then I can stop struggling for the few years while I'm gaining my experience. Thoughts? Ideas?
Diablo III 34.99 after $20 Rebate (shipping cost extra)
Added on : Friday September 21st 2012 04:00:10 PM
I don't know whether people still want to play this Diablo III game anymore considering all the negative reviews during the launch day. I was waiting for it to be closer to $30 and this seems like the price point I want to try this game. I ended up paying $2.29 in shipping so about $37 for the game which might still be too much for some people, but it's worth a shot for me.Tiger Direct LinkHere's the Rebate Link
TigerDirect.com Coupons
About Face: The Secrets of Emotionally Effective Advertising http://www.amazon.com/About-Face-Emotionally-Advertising-ebook/d...Once advertising was all about being 'on-message' and getting talking points right. But breakthroughs in brain science have confirmed what we all know but don't often admit to in business: people are primarily emotional decision-makers. From podcasting, blogs and forums to interactive ads in stations, the heart of the matter is now the consumer's experience as opposed to the company's marketing message. About Face shows how 21st century advertising can realize success by being 'on-emotion' first and foremost. Using data from eye tracking and facial coding to analyse consumer responses, About Face demonstrates exactly which advertising strategies are successful and why. Moving beyond the old Ps of product, price, place and promotion, Dan Hill outlines ten rules for emotionally effective advertising including simplicity, familiarity, relevancy and believability. Emotions rule decision making. About Face shows you that by focussing on the three new Ps of passion, purpose and personality, your campaigns can become more effective and emotionally engaging, taking you closer to the consumer
Amazon Coupons
2012 Northeast Ski Swaps and Tent Sales Listing
Added on : Tuesday September 18th 2012 01:00:07 PM
Ski season is almost here! The below represents many of the upcoming ski and snowboard swaps / tent sales in the Northeast. Original source --> http://forums.alpinezone.com/showthread.php?113089-Ski-Swaps-Ten...September
14th-16th - Potters Brothers Ski Swap - Fishkill, NY - Annual Swap at each of their locations.http://potterbrothers.com/events_swapsell2012/
22nd - SkiWard / Boston Ski+Tennis Race Gear Swap - Shrewsbury, MA - Race gear swap. ** NOTE ** Drop off is at Boston Ski+Tennis in Westboro, MA, *NOT IN SHREWBURY* 9/20: Last day for race gear drop off. Anytime prior to 9/20 is fine. Sale only includes gear which is less then 5 years old ** NOTE ** http://skiward.com/wordpress/wp-cont...ent-Flyer1.pdf [skiward.com]
24th - Rebel Booster Ski Swap - South Burlington High School,South Burlington,VT - http://sbsd.sbhs.schoolfusion.us/mod...0083aed7577d08 [schoolfusion.us] 4pm-9pm
27th-30th - Potters Brothers Ski Swap - Kingston, NY - Annual Swap at each of their locations.http://potterbrothers.com/events_swapsell2012/
28th-30th - Pico Ski Club Gear Swap - Killington, VT - Held at Pico Mountain http://www.picoskiclub.com/ski_swap.html
October
4th-8th - Wachusett Annual Ski & Snowboard Swap - Wachusett Mountain, Princeton, MA - 2nd-3rd: Drop off only.http://www.wachusett.com/EventsActiv...5/Default.aspx [wachusett.com]
5th-7th - Colchester Ski /Skate Swap - Colchester High School, Colchester, VT - 5th: Drop off, 6th-7th: Sale http://www.csdvt.org/chs/main/calendars/chscal.pdf
5th-8th - Killington Ski Club Swap - Killington, VT https://www.google.com/calendar/rend...rue&output=xml [google.com]
5th-7th - Smugglers Notch Ski & Snowboard Sale/Swap - Essex Junction, VT - 5th: Drop off http://www.smuggs.com/pages/fall/amenities/events.php
6th - Windham Autumn Fair & Swap - Windham, NY - 10-4 WAJ Ski Swap - 2nd floor Valley Side http://www.windhammountain.com/summer/events-activities/events-c... rt_date=2012-08-23&event_eid=2011022511514475 [windhammountain.com]
6th-7th - Colchester Ski /Skate Swap - Colchester High School, Colchester, VT 5th: Drop off http://www.csdvt.org/chs/main/calendars/chscal.pdf [csdvt.org]
6th-8th - Ski Haus Ski Swap - Poughkeepsie, NY - http://www.skihausonline.com/sales-events
6th-8th - Waterville Valley Folliage Festival & Swap - Waterville Valley, NH - Not much information available, besides the words 'ski swap' being in the event. http://www.waterville.com/events-dea...r.html?id=5341 [waterville.com]
12th-14th - Potters Brothers Ski Swap - Middletown, NY - Annual Swap at each of their locations. http://potterbrothers.com/events_swapsell2012/
19th-20th - Mcintyre Ski Area Anual Ski Swap - Mcintyre Ski Area, Manchester, NH http://www.mcintyreskiarea.com/index...01returnid=110 [mcintyreskiarea.com]
20th - Montpelier Ski and Skate Swap - Montpelier High School Gym, Montpelier,VT18th-19th: Drop off Only. http://www.montpelierrec.org/events/...te-sale-oct-22 [montpelierrec.org]
20th - Middlebury Ski Patrol Ski Sale - Middlebury College, Middlebury, VT 19th: Drop off http://www.middlebury.edu/events/#/?i=17
20th-21st - Wick's Annual Consignment Sales - Wick's Ski and Sport, Exton, PA http://www.wicksskishop.com/winter/s...esevents/c23os [wicksskishop.com]
26th-28th - Potters Brothers Ski Swap - Poughkeepsie,NY - Annual Swap at each of their locations. http://potterbrothers.com/events_swapsell2012/
26th-27th - Bethel Outing Club Ski Sale - at Gould Academy - Gould Academy Field House,Bethel, ME - Web site has not been updated, however I have confirmation of the date http://www.bethelouting.org/#!boc-fall-ski-sale [bethelouting.org]
27th-28th - Mount Southington Annual Ski Swap -Southington, CT - 24th: Drop off between the hours of http://www.mountsouthington.com/content/news [mountsouthington.com]November
2nd-4th - Gunstock Ski Club Annual SwapGilford, NH - Few details released,http://gunstockskiclub.ngin.com.prod.ngin.com/ mentions is being on the weekend of November 2nd.
2nd-4th - Ski Sundown Annual Ski Swap - New Hartford, CT http://skisundownnsp.org/SWAP/SwapIndex.htm Flyer: http://www.skisundownnsp.org/SWAP/SWAP.pdf [skisundownnsp.org]
3rd-4th - Cochrans Ski and Ride Swap - Camels Hump Middle School, Richmond, VT - Assumption on date made, it's always the first week of Nov. http://www.cochranskiclub.org/Cochrans_Ski_CLub/Ski_Sale.html [cochranskiclub.org]
4th - Pat's Peak Annual Octoberfest Ski/Snowboard Swap - Henniker, NH - http://www.patspeak.com [patspeak.com]
4th - 45th Annual Brunswick Ski Swap - Brunswick Rec Center, Brunswick, ME http://www.brunswickme.org/departmen...s/45th-annual/ [brunswickme.org]
8th-11th - BEWI Ski & Snowboard Expo - Boston, MA - Not a swap, but it IS a very large show. Often, freebies/give aways at the show. http://www.bewisports.com/expos/boston/ [bewisports.com]
10thFranconia Ski Club Annual Swap - Lafayette Elementary School, Franconia, NH***** NOTE: Date Changed to Nov 10th from October 27th *****
11th - Auburn Ski Association Annual Swap - Auburn, ME - http://www.auburnskiassociation.com/
17th - Okemo Ski & Snowboard Swap - Ludlow, VT - Okemo Mountain School Annual Swaphttp://www.yourplaceinvermont.com/vi...ap/2012-11-17/ [yourplaceinvermont.com]
17th-18th - Wick's Annual Consignment Sales - Wick's Ski and Sport, Exton, PA - http://www.wicksskishop.com/winter/s...esevents/c23os [wicksskishop.com]
18th-19th - Cambridge Area Rotary Ski Swap - Cambridge Elementary School, Cambridge, VT http://virtualmark.net/rotary/swap.htm
23rd-25th - Ski Haus Ski Swap - Brewster, NH http://www.skihausonline.com/sales-events
23rd-25th - Ski Hau Ski Swap - New Milford, CT - http://www.skihausonline.com/sales-events
27th - Down East Ski Club - Portland, ME http://www.downeastskiclub.com/ski_sale.htmlDecember
1st-2nd - Ski Haus Ski Swap (Continued)Brewster, NH http://www.skihausonline.com/sales-events
1st-2nd - Ski Haus Ski Swap (Continued)New Milford, CT http://www.skihausonline.com/sales-events
8th - Westford Annual Ski Swap - Hastings School Cafeteria, Westford, MA7th: Drop off Only. http://www.explorerpost85.com/ski%20swap2.htmJanuary
12th-13th - SkiRack Annual Ski Swap - Burlington, VT - Held at their Burlington store. Details will be available closer to swap. http://www.skirack.com/
PlayStation 3D Display Bundle $149.99 @ Best Buy or Kmart B&M YMMV
Added on : Monday September 17th 2012 10:00:04 PM
Saw this over at SD. To keep it short and simple, Kmart has the Playstation 3D display bundle (display + Motorstorm: Apocalypse + 3D glasses) for $149.99 in-store (YMMV). Best Buy will price match the Kmart price (also YMMV). I tried it for myself. I actually live closer to a Kmart so I went there first. They had none in stock. I then went to Best Buy and asked for a price match. They spent about 3 minutes attempting to verify the Kmart price. They couldn't find the price, but they price matched it anyway. I didn't even have to raise a fuss. Best Buy receipt attached.Others may price match as well, but I listed BB since I can confirm.
Kmart.com Coupons
https://docs.google.com/file/d/0B83MhcHUQWQGVHBGd250WWd3elU/edit...ECB Deals
Ocean Spray juice 64 oz. 2/$6 get $1 wyb 2 Limit 1Lean Cuisine 5.25-11.5 oz. or Coke 7.5 oz., cans 8 pk. 2/$6 get $2 ECB wyb $12 Limit 1Nabisco Oreo 11.3-16 or Lorna Doone 10 oz. 2/$6 get $1 ECB Limit 1
Nabisco Cookies or Crackers, any 4.05/27.5 oz. $0.75/2 (10/5/12) SS 8/5/12Kelloggs Special K bars 5-10 ct., cereal 12-19.5 oz., multi-grain crackers 8 oz. or cracker chips 4 oz. 3/$9 get $3 ECB Limit 7
Kelloggs Cereal, any $1/3 (9/16/12) RP 8/5/12
Kelloggs Frosted Mini-Wheats Cereal, any 14.5 oz.+ $1 on 2 (10/7/12) RP 8/26/12
Kelloggs Krave, Frosted Flakes, Apple Jacks, Corn Pops, Honey Smacks, etc. $1 on 3 (10/7/12) RP 8/26/12
Kelloggs Nutri/Grain Cereal Bars, any $0.75/2 (9/30/12) RP 8/5/12Hersheys assorted 9.4-15 oz. 2/$6 get $2 ECB Limit 1$3 ECB wyb $12 on the candy below (excludes clearance) Limit 1
Nestle Fun Size assorted 10-12.5 oz. 4/$12
Hersheys Snack Size 10.2-12 oz., Twizzlers Twists 22 oz. Mars Chocolate or Wrigleys Fun size 9.78-11.5 oz. 4/$12
Reeses Miniatures, Hersheys Miniatures, Kit Kat Miniatures or Hersheys Kisses bags, 8.5 oz+ $1/3 (9/16/12) SS 8/12/12
Reeses or Kit Kat Snack Size, 9-22 oz $1/3 (9/16/12) SS 8/12/12
Hersheys Chocolates, 9.4 oz bags $1 on 2 (10/20/12) SS 9/9/12
Twizzler Candy bags, 11 oz.+ $1/3 (9/16/12) SS 7/29/12GE Energy Smart 40, 60, 75 or 100 watt equivalent 1 pk (no price) $1 ECB Limit 1
GE Lighting product $1/1 energy smart, reveal CFL, energy efficient reveal or energy efficient soft white (12/16/12) SS 9/16/12Tide Pods 14 ct. $4.44 get $1 ECB Limit 1
Tide Pods 14-40 ct $1.00/2 (10/31/12) RP 9/16/12$10 ECB wyb $30 of these Lysol, Air Wick or Finish products (excludes clearance) Limit 1
Air Wick scented oil refills 2 pk. 1.34 oz. total, spray refill 6.17 oz., i-motion refill 0.8 oz. or kit. $4.99
Lysol cleaner 22-32 oz. or wipes 35 ct. $2.99
Air Wick Ultra or Lysol Neutra Air Fresh Matic kit 6.17 oz. $6.99
Finish Jet-Dry 8.45 oz., Powerball or Gelpacs 10-25 ct. 2/$8
Lysol spray 12.5 oz. $3.99
Lysol Power & Free Bathroom Cleaner Triggers or Wipes $1 on 2 (10/2/12) SS 8/19/12
Lysol Power & Free Multi-surface Cleaner Triggers $1 on 2 (10/2/12) SS 8/19/12
Lysol Wipes FREE up to $3 wyb 2 Lysol Products (mail-in) (9/30/12) SS 8/5/12
Finish Powerball Tabs or Gelpacks .50 (9/22/12) SS 8/19/12
Finish Quantum .75 (9/22/12) SS 8/19/12Get $3 ECB wyb a NEW Green Dot Prepaid MasterCard or Visa Card Limit 1
Valid only on new cards purchased 9/16-9/22. Terms, fees, conditions may apply.Any Sally Hansen cosmetics (excludes clearance) spend $10 get $3 ECB Limit 2Any Milani cosmetics (excludes clearance) spend $10 get $3 ECB Limit 1Any Physicians Formula cosmetics (excludes clearance) $7 ECB wyb $10 Limit 1
Physician's Formula cosmetic product $1 (11/30/12) SS 8/12/12Any Maybelline eye or lip (excludes clearance) spend $10 get $3 ECB Limit 1
Maybelline Great Lash, any $1 (10/5/12) RP 8/5/12
Maybelline Lip Product, any $1 (11/9/12) RP 9/9/12
Maybelline New York Mascara, any $1 (11/9/12) RP 9/9/12Any Garnier skin care (excludes clearance) spend $25 get $5 ECB Limit 1
Garnier Skin Renew cream lotion 1.7-2.5 oz., or eye roller 0.5 oz. $10
Garnier Moisture Rescue gel-cream 1.7 oz. or lotion 4.5 oz. $7
Garnier dark spot corrector or peel, Ultra-Lift Deep Intensive cream or serum+moisturizer 1.5-1.7 oz. $14
Garnier Moisturizer $2 (11/12/12) RP 8/12/12
Garnier Moisturizer $2 (12/9/12) RP 9/9/12
Garnier $1/1 moisturizer (10/8/12) RP 7/8/12
Garnier Cleanser, any $1 (11/19/12) RP 8/19/12
Garnier, any $1 (11/19/12) RP 8/19/12Any Loreal skin care (excludes clearance) spend $20 get $5 Limit 1
L'Oreal $1/1 Paris cleanser ets (9/16/12) RP 7/22/12
L'Oreal $1/1 Paris eye product (9/16/12) RP 7/22/12
L'Oreal $1/1 Paris moisturizer or serum/treatment ets (9/16/12) RP 7/22/12
Loreal Paris Cleanser, any $1 (10/28/12) RP 9/16/12
Loreal Paris Moisturizer Or Serum Treatment, any $1 (10/28/12) RP 9/16/12
LOreal Paris Revitalift Triple Power or Clinical Repair 10 $2 (10/21/12) RP 8/26/12
LOreal Paris Skincare $1 (10/21/12) RP 8/26/12
LOreal Paris Skincare $1 (9/30/12) RP 8/5/12
LOreal Paris Youth Code kit $5 (9/30/12) RP 8/5/12Any Loreal cosmetics (excludes clearance) spend $15 get $5 Limit 1
L'Oreal $2/1 Paris face cosmetic product excludes Magic Perfecting Base .17fl oz mini size (9/16/12) RP 7/22/12
LOreal Colour Riche Nail Product $1 (10/7/12) RP 8/12/12
LOreal Paris Colour Caresse by Colour Riche or Lip Product any $1 (10/7/12) RP 8/12/12
Loreal Paris Face Cosmetic Product, any $1 (10/28/12) RP 9/16/12$5 ECB wyb 2 of these Jergens Natural Glow, Frizz-Ease or Biore products (excludes clearance) Limit 1
John Frieda Frizz-Ease 1.69-12oz, Biore cleanser 5-6.77oz or Jergens Natural Glow (no prices)
John Frieda Frizz-Ease Frizz Eliminators, Stylers or Finishers, excludes trial $5 on 2 (9/15/12) SS 8/19/12 <--- use only if store turns ad on early
Biore Free Cleanser up to $7 wyb any Pore Strip (9/30/12) SS 8/12/12$3 ECB wyb $10 on these Nivea products (excludes clearance) Limit 1
Nivea lip care 0.17-0.2 oz. 2/$4
Nivea body wash 16.9 oz. or body scrub 12 oz. $4
Nivea lotion 13.5 oz. or cream 6.8 oz. (excludes good-bye celluite and firming Q10) $6$5 ECB wyb $15 on these Dove, Degree, Caress or Lever products (excludes clearance) Limit 1
Select Dove or Degree invisible solid antiperspirant/deodorant 2/$5
Dove hair care 4-12 oz. 2/$6
Dove Men+Care body wash 13.5 oz. $5
Dove body wash 18-24 oz. or cream oil lotion 13.5 oz. $6
Dove, Caress or Lever bar soap 6-8 pk. $7
Dove or Degree Clinical antiperspirant/deodorant. $7.99
Dove Men+Care Antiperspirant, 2.7 oz. or Deodorant, 3 oz. $1 (9/23/12) RP 8/26/12 <---not sure if this is includedCloser by Halle Berry or choose from Beyonce, Faith Hill, Heidi Klum, Shakira or Tim McGraw (excludes clearance) get $7 ECB Limit 1$3 ECB wyb (2) Andrea, Duo, Ardell lashes or brows (excludes clearance) $3 ECB Limit 1$4 ECB wyb $12 of these Suave products (excludes clearance) Limit 1
Suave invisible solid antiperspirant 1.4 oz. $1
Suave Naturals 22.5 or Kids 12 oz. 2/$3
Suave Keratin 12.6 oz. almond/shea butter or mens shampoo/conditioner 28 oz. 2/$6
Suave Naturals body lotion 18 oz. $3
Suave Professionals shampoo, conditioner 12.6-14.5 oz., styler 3.25-11 oz. or body wash 12 oz. 2/$4DermaSilk (excludes trial and clearance) $10 ECB Limit 1
Dermasilk $5 (9/18/12) RP 8/26/12
Dermasilk, any $5.00 (10/16/12) RP 9/16/12Any Healthy Skin Care product (Available in select stores and excludes clearance) $10 ECB wyb $30 Limit 1Olay Regenerist or Total Effects Tone (excludes kits and treatments) $20.99 get $2 ECB Limit 1
Olay Facial Cleanser FREE wyb Pro-X, Regenerist or Total Effects (9/30/12) P&G 8/26/12
Olay Facial Moisturizer or Cleanser $1 (9/30/12) P&G 8/26/12
Olay $5/1 Pro-X or Regenerist Facial Moisturizer excludes trial/travel and brush head refills (10/31/12) SS 9/16/12$5 ECB wyb (2) Loreal Ever hair care 2/$12 (excludes clearance) Limit 1
L'Oreal $2/1 EverCreme, EverSleek, EverPure, EverStrong shampoo or conditioner (9/16/12) RP 7/22/12
L'Oreal $2/1 EverCreme, EverSleek, EverPure, EverStrong treatment (9/16/12) RP 7/22/12
L'Oreal $2/1 EverStyle product (9/16/12) RP 7/22/12
LOreal EverCreme, EverSleek, EverPure, EverStrong shampoo or conditioner $1 (11/4/12) RP 9/9/12
LOreal EverCreme, EverSleek, EverPure, EverStrong Treatment $2 (11/4/12) RP 9/9/12
LOreal EverStyle Product $2 (11/4/12) RP 9/9/12
Nexxus shampoo, conditioner or styler (excludes clearance) Spend $20 get $10 ECB Limit 1
Happy Birthday from Nexxus! $3 off any Nexxus ETS - CRT
$3/1 MQ here [WalMart.com] Clairol natural instincts, nicen easy, root touch-up or nicen easy non-permanent hair color $5.99 (excludes clearance) $5 ECB wyb $15 Limit 1
Clairol Nice n Easy or Natural Instincts $2 (9/30/12) SS 8/12/12
Clairol Nice n Easy or Natural Instincts Non-Permanent Hair Color $3 (9/30/12) SS 8/12/12
Clairol $2/1 Nicen Easy or Natural Instincts excludes trial/travel (10/31/12) SS 9/16/12Clairol nicen easy Color Blend Foam hair color $7.99 (excludes clearance) Spend $15 get $5 ECB Limit 1Gillette disposable razors for men (excludes clearance) $3 ECB Limit 1
Gillette Disposable Razor $1 (9/30/12) RP 8/12/12
Gillette Disposable Razor $3 (9/30/12) P&G 8/26/12
Gillette Disposable Razor (excludes trial) $3.00/1 (10/31/12) RP 9/16/12
Gillette Disposable Razor B1G1F up to $12.99 (9/30/12) RP 8/5/12
Gillette Mach3 Razor FREE up to $11.99 wyb Gillette Razor or Disposable Razor (9/30/12) P&G 8/26/12
Gillette Razor or Disposable Razor AND Proglide Razor $5 (9/30/12) P&G 8/26/12Schick Intuition, Quattro for women razor 1 ct., cartridges 3-4 ct. (excludes clearance) $4 ECB Limit 1
Shows $2 MFQ in most Sunday newspapers
Schick Intuition Razor or Refill $2 (9/22/12) SS 8/12/12
Schick Quattro for Women Disposable Razor Pack $2 (9/23/12) SS 8/12/12
Schick $1/1 Quattro for women razor or refill (10/27/12) SS 9/16/12
Schick $2/1 Quattro Titanium Razor, trimmer or refill (10/27/12) SS 9/16/12Irish Spring, Softsoap body wash 15-18 oz., or Irish Spring bar soap 6 pk. 2/$7 get $3 ECB Limit 2Colgate Total 4-4.2 oz, MaxFresh, MaxClean 6 oz., 2-in-1 4.6 oz. or single pk. manual toothbrushes (excludes Plus). $2.99 get $2.00 ECB Limit 2
Colgate Manual 360 Toothbrush $1 (9/29/12) SS 9/9/12
Colgate Toothpaste, 4 oz+ .75 (9/15/12) SS 8/26/12 <--- use only if store turns ad on earlySelect Crest 3D White paste, rinse or brush (excludes clearance) get $5 ECB wyb $10 Limit 2
Crest Rinse, 458 mL + .50 (9/30/12) P&G 8/26/12
Crest Toothpaste or liquid gel, 4.0 oz+ .50 (9/30/12) P&G 8/26/12All Act dental rinse $4.49 get $1 ECB Limit 2
Act Product, excludes trial $1 (9/23/12) SS 8/5/12
Act Sensitive Formula Mouthwash, any $2 (9/30/12) SS 8/19/12
Act, any 16.9 oz.+ $1 (9/30/12) SS 8/19/12$10 ECB wyb $30 of these baby products (excludes clearance) Limit 1
Pampers Super Pack $25
Pampers $3/1 box or pants or 2 bags (9/30/12) P&G 8/26/12
Pampers Wipes, 60ct+ .50 (9/30/12) P&G 8/26/12
Gerber Good Start 23.2 oz. $23
Johnsons 13-15 oz., oil gel 6.5 oz. or Desitin 2 oz. 2/$6
Johnsons Baby Product, excludes Buddies, Kids Sudzing Bar, and 1 to 4 oz. .75 (11/4/12) SS 9/9/12
Johnsons Baby Products, excludes Buddies, etc. $0.75 (9/30/12) RP #2 7/29/12
Desitin Product $0.75 (9/30/12) RP #2 7/29/12
CVS Baby Wipes 12-360 ct., CVS Diapers or Training Pants Jumbo Pk. BOGO 50%
Select Gerber baby food snacks 1-6 oz. 2/$4
Select Lansinoh products BOGO 50%
CVS childrens pain relief liquid 4 oz. or Junior Rapid Tabs 24 ct. (excludes infant) BOGO 50%
Select Playtex baby accessories BOGO 50%
Decorative Band-Aid Brand bandages 20-25 ct. $3.69
Band-Aid Product $0.50 (9/30/12) RP #2 7/29/12Benadryl childrens liquid 4 oz. 2/$10 get $2 ECB Limit 1
Benadryl Childens $1 (10/19/12) RP 8/19/12Non-Drowsy Claritin 24-hr. 24-30 ct., 12-hr, RediTabs or 12-hr. Claritin-D 30 ct. $19.99 get $5 ECB Limit 1
Claritin D Non-Drowsy, 15 ct+ $4 (9/23/12) SS 8/26/12
Claritin Non-Drowsy, 24ct+ $4 (10/7/12) SS 9/9/12
Claritin Non-Drowsy, 4 oz or 10ct+ $2 (10/7/12) SS 9/9/12
Claritin-D Non-Drowsy, 24 ct+ $4 (9/23/12) SS 8/26/12$3 ECB wyb (2) of the following 2/$14 Limit 5
NyQuil, DayQuil 24 ct., liquid 12 oz.,
Sinex spray 0.5 oz.,
Nature Fusion 8 oz. or 20 ct.
Vicks Product (excludes ZzzQuil and VapoDrops) $1 (9/30/12) P&G 8/26/12
Vicks Product (excludes ZzzQuil and VapoDrops) $3 on 2 (9/30/12) P&G 8/26/12$4 ECB wyb any (2) of these Advil, Robitussin, Dimetapp, Centrum or Caltrate products (excludes clearance) Limit 1
Advil 100 ct., liqui-gels 80 ct., PM 32-40 ct, congestion relief, allergy sinus 20 ct., or cold & sinus 32-40 ct. $7.99
Robitussin or Childrens Dimetapp 8 oz. $6.99
Caltrate 600+D 120 ct., Gummy Bites 50 ct.,Centrum Ultra Womens, Ultra Mens, Silver 60-125 ct., or Pro Nutrients 14-120 ct. (excludes Special Vision and Prenatal) $9.99
Dimetapp, Robitussin, Advil, Congestion Relief or Allergy & Congestion Relief $1 (10/13/12) RP 8/26/12
Advil Migraine $1 (12/8/12) RP 9/9/12
Advil Respiratory Product $1 (12/8/12) RP 9/9/12
Advil, 40 ct.+, Advil PM, 16 ct.+, etc. $1 (10/13/12) RP 8/26/12
Centrum Or Centrum Silver Multivitamins or Flavorburst Chews $2.00/1 (10/13/12) RP 9/16/12
Centrum ProNutrients $5.00 (10/13/12) RP 9/16/12
Centrum Specialist 56 ct Or Larger $2.00 (10/13/12) RP 9/16/12
Centrum, Centrum Specialist, ProNutrients or Caltrate, any $1 (10/13/12) RP 8/26/1224 Hr. Prevacid 42 ct. 2/$50 get $3 ECB Limit 3
Prevacid 24 HR, any 42 ct. $3 (10/5/12) SS 8/5/12
Prevacid 24HR $3/1 product (9/15/12) SS 7/15/12 <--- use only if store turns ad on early
Prevacid $7/2 42 ct Prevacid 24HR Products (10/13/12) SS 9/16/12Alli refill pack 120ct., Alli starter kit 90 ct. $59.99 get $10 ECB Limit 1
Alli Products 90 Ct Or Larger $5.00/1 (12/13/12) RP 9/16/12 BOGO
Nature's Bounty or Flex-A-Min (excludes Optimal Solutions) Limit 6
Natures Bounty Vitamin or Supplement $1 (10/9/12) RP 9/9/12
Arm & Hammer liquid laundry detergent 32 loads or Power Paks 16ct
Arm & Hammer $.75/2 laundry products (9/30/12) SS 7/15/12
Kodak HD PowerFlash camera 27 exp
Select CVS brand cold remedies (excludes ECB offers, any products containing pseudoephedrine, ephedrine and items prohibited by law)
ALL Osteo Bi-Flex
CVS letter vitamins 50-500ct, B-12 liquid 8oz or ALL CVS glucosamine chondroitin
ALL CVS adult pain relief 24ct
M&M's 9.9-15.4oz Limit 4
M&Ms, Milky Way, Mixed Mini, etc. 8.87 oz.+ $1 on 2 (10/31/12) RP 8/26/12
Bags of M&M,s Twix, Milky Way, 3 Musketeeers or Snickers $1.50/3 (10/31/12) RP 9/16/12BOGO75
Lumene facial care (excludes Excellent Future)
BOGO50
Backpacks or lunch carriers
Pilot G2 pen 2-5ct or B2P 2ct
Pilot Bottle 2 pen 2 pk or Frixion Erasable Pens or Highlighters $1 (9/30/12) SS 8/5/12 <---not sure if this is part of sale
Five Star 1, 2, 3 or 5 subject notebook
Five Star Binder $2 (9/30/12) RP 8/5/12
Five Star Products $1/2 (9/30/12) RP 8/5/12
ALL Caliber locks
Post-It, Scotch tape or Command items
Post-It Label Product $2 off $5 purchase (9/16/12) SS 8/12/12
Post-It Note Dispenser $2 off $5 purchase (9/16/12) SS 8/12/12
Post-It Super Sticky Notes $1 off $5 purchase (9/16/12) SS 8/12/12
Post-It Tab, Flag or Pocket $2 off $5 purchase (9/16/12) SS 8/12/12
Scotch Magic Tape $0.25 (10/31/12) SS 8/5/12
Scotch Magic Tape one-handed tape dispenser $1 (10/31/12) SS 8/5/12
Scotch Pop-Up Tape $1 (10/31/12) SS 8/5/12
Scotch Restickable shapes, sheets, tabs, dots or strips $1 (10/31/12) SS 8/5/12
Various Post-It and Scotch IPs here [scotch-brite.com]
Revere House candles 23oz
ALL CVS trash or food storage bags
ALL CoverGirl foundation, blush, powder or concealer Limit 6
Cover Girl Products $3/2 (9/30/12) P&G 8/26/12
Covergirl Face Product $1 (9/30/12) RP 8/12/12
Designer fragrances with a regular retail of 19.99+ (cannot be combined with any other fragrance offer)
Neutrogena cleansers 4.2-8o.5oz or towelettes 25ct
Neutrogena shampoo, conditioner 404-10.1oz or treatment 6oz
Neutrogena Acne Product $1 (11/4/12) SS 9/9/12
Neutrogena All-in-1 Acne Control Facial Treatment $2 (11/4/12) SS 9/9/12
Neutrogena Ultra Gentle Daily Cleaner $2 (10/13/12) SS 9/9/12
Neutrogena Ultra Gentle Daily Cleaner AND Ultra Gentle Soothing Lotion or Cream $3.50 (10/13/12) SS 9/9/12
ALL Cerave
ALL Aquaphor
Wilson, Stylessentials or Dr Scholl's socks, Hanes t-shirts, briefs or boxer briefs
Secret apdo (excludes twin pack)
Secret Clinical Strength Deodorant $1 (9/30/12) P&G 8/26/12
Secret Clinical Strength, any $1 (9/30/12) P&G 8/26/12
Trial & travel items
ALL Futuro
$3 Futuro IPs here [scotch-brite.com]
Cortizone 10 or Gold Bond cream, gel, spray or lotion 1-5.5oz
Cortizone 10 $1 (9/23/12) SS 8/5/12
Gold Bond Medicated Product, excludes trial $1 (9/23/12) SS 8/5/12
Gold Bond Ultimate Product, excludes trial $1 (9/23/12) SS 8/5/12
ALL reading glasses or sun readers
Gummy vitamins 60-190ct (shows CVS brand and One A Day)
ALL Ocuvite or PreserVision
Bausch + Lomb Ocuvite $3 (11/30/12) SS 9/9/12
Clear Eyes .5-1oz
Clear Eyes Product, any $1 (11/30/12) SS 8/12/12
CVS heartburn relief
MEt-Rx or Pure Protein bars
Met-RX Big 100 bars $2/2 (9/16/12) RP 8/5/12
Met-Rx Protein Plus Bars $2/2 (9/16/12) RP 8/5/12
CVS liquid nutrition or nutrition plus 6pk all flavors
5-Hour Energy 2-6pk, Six Star or New Whey protein shot 2.5-3.8oz
ONE DOLLAR OR LESS
CVS pantiliners 20ct 2/$1
Purina Friskies cat food 5.5oz 10/$5.50
Purina Friskies Cans Save $1.00 off 24 cans OR (31-Jul SS 4/29/12
GE sparkling water 1L $.77
CVS white facial tissues 100ct $.88
Cadbury Screme egg 1.2oz, GE candy corn, autumn mix or pumpkins 8oz $.88 Limit 6
Dawn 9-10.3oz $.99 Limit 7
Dawn Hand Renewal, Power Clean, Bleach Alt. or Oxi .75 (9/30/12) P&G 8/26/12
Dawn, excludes trial size .50 (9/30/12) P&G 8/26/12
Coke 2L $.99 Limit 4
GE bagged candy 3.25-14oz, Stride iD or Spark gum 14ct $.99
Stride BOGO ID gum (value $1.79) (11/10/12) SS 9/16/12
Gatorade 32oz or Sobe Lifewater 20oz $1 Limit 8
Select snack or grocery items 10/$10 (pictured: Pringles grab & go, JTB kettle corn, Lay's Stax, Bumble Bee chunk white albacore, Chow Mein, Kellogg's cereal cups, Hawaiian Punch singles to go)
ASSORTED MISCELLANY
Ice Canyon natural spring water 16.9oz 24pk $2.77 Limit 3
GE mixed nuts 8.75oz or cashews 8.25-10.5oz $3.99 Limit 5
Vitaminwater 20oz, smartwater 700mL or V8 12oz 4/$5
V8 100% Vegetable Juice, can 6 pk 5.5 oz. or 11.5 oz. .75 (10/21/12) SS 9/9/12
Goldfish 6.6-8oz, Campbell's Chunky or Select Harvest 15.25-19oz 2/$3
Campbells Chunky Soup or Chili Cans, any $1 on 3 (10/31/12) SS 9/9/12
True North, Popcorn Indiana, Skippy, Welch's jelly, Wheat Thins, Triscuit, Pretzel Crisps, Walkers shortbread 2/$5
Popcorn Indiana Popcorn or Chipins Family Size Bags or Multi/pack, 8 ct. $1.50/2 DND (9/30/12) SS 8/5/12
Popcorn Indiana Popcorn or Chipins, 8ct multipack or 5.4-18oz $1.50/2 (10/14/12) SS 8/19/12
Welchs Jam, Jelly, or Spread . 35 (9/30/12) RP #1 7/29/12
Edy's Maxx 14oz, Nestle or Haagen Dazs ice cream singles 2.7-7.5oz $1.99
GE crackers 6.6-7.5oz, trail mix 5-7oz or cheese spray 8oz 3/$5
Red Bull 8.4oz 2/$4
Swiffer WetJet starter kit $19.99
Swiffer Wetjet Starter kit $5.00/1 (10/31/12) RP 9/16/12
Swiffer WetJet Starter Kit $5 (9/30/12) P&G 8/26/12
Swiffer Sweeper Starter Kit or Dusters Extender Starter Kit $1 (9/30/12) RP 8/12/12
ALL L'Oreal Excellence, Excellence To Go, Root Rescue or Healthy Look hair color 2/$12
L'Oreal $2/1 Healthy Look Creme Gloss color (9/16/12) RP 7/22/12
LOreal Excellence Shade $2 (9/23/12) RP #2 7/29/12
LOreal Haircolor $1 (10/7/12) RP 8/12/12
LOreal Haircolor $4/2 (10/7/12) RP 8/12/12
Loreal Haircolor products, $5/2 (10/28/12) RP 9/16/12
Loreal Haircolor, any $2 (10/28/12) RP 9/16/12
LOreal Preference, Feria, or Healthy Look Creme Gloss Haircolor $2 (10/1/12) RP #2 7/29/12
Head & Shoulders shampoo 14.2oz or conditioner 13.5oz $4.99
Head & Shoulders Product $1 (9/30/12) P&G 8/26/12
Fructis shampoo, conditioner 10.2-13oz or styler 2-8.5oz 3/$10
Garnier Fructis Shampoo or Conditioner, 13 oz. FREE wyb Family Size Shampoo or Conditioner (10/20/12) .25 RP 9/9/12
Garnier Fructis Shampoo, Conditioner or Treatment, any $1 (10/6/12) RP 8/26/12
Garnier Fructis Style Product, any $1 (10/26/12) RP 8/26/12
Mitchum or Lady Mitchum apdo (excludes twinpacks) $1.99
Mitchum or Mitchum for Women $1.50 on 2 (9/23/12) SS 8/19/12
Mitchum $.75/any product except trial/travel (10/21/12) SS 9/16/12
All Crest 3D Whitestrips $10 off
Crest 3-D White Intensive Professional Effects, 20ct or 2 Hr $10 Rebate (mail-in) (9/30/12) P&G 8/26/12
Halls cough drops 17-30ct 2/$3
Pantene shampoo, conditioner 12.6oz or styler 5.7-11.5oz $3.99 Limit 4
Pantene Buy Shampoo and Get Conditioner or styler FREE (up to $6.99) excludes trial/travel (10/31/12) SS 9/16/12
Pantene Products, excludes trial $1on 2 (9/30/12) P&G 8/26/12
thx to 1dollarorless/sd and others
Up to 60% off Reebok Shoes and Apparel @ 6PM - Up to 60% off
Added on : Wednesday September 12th 2012 10:00:03 AM
0 Posted By: FatWalletTopDeals
Views: 98 Replies: 0

Up to 60% off Reebok Shoes and Apparel @ 6PM - Up to 60% off

Free Shipping!

6PM is advertising this sale as up to 70% off, and there is indeed a very limited selection of items at that price; however, the bulk of the selection starts at closer to 60% off.

(FatWallet Deal Hunter staff posts are certified ad-free. No money, bribes, or candy have been accepted.)
6PM Coupons
Getting closer to the release dates on these games. Save $12 after promo code(s). Deal expires 9/12. All ship free on release date.Resident Evil 6 - XBOX 360
Resident Evil 6 - PS3
Promo Code: EMCNAJJ77
* Releases 10/2/12 *Assassin's Creed III - XBOX 360
Promo Code: EMCNAJJ74
* Releases 10/30/12 *Assassin's Creed III - PS3
Promo Code: EMCNAJJ75
* Releases 10/30/12 *Metal of Honor: Warfighter Limited Edition - XBOX 360
Metal of Honor: Warfighter Limited Edition - PS3
Metal of Honor: Warfighter Limited Edition w/ BF4 Beta - PC
Promo Code: EMCNAJJ76
* Releases 10/23/12 *
Newegg Coupons
Callaway RAZR X Forged Wedge Golf Club $79.98 + $6.99 S/H
Added on : Monday September 10th 2012 11:00:02 AM
Callaway RAZR X Forged Wedge Golf Club $79.98 + $6.99 S/Hhttp://www.golfsmith.com/product/30076902/callaway-razr-x-forged...The Callaway RAZR X Forged Wedge is highly versatile, allowing for a multitude of short-game shots that get golfers closer to the hole. Tour CC grooves meet the new rules required for play on professional tours and they are designed to maximize short game performance, generating enhanced spin that allows for aggressive shot-making.Features: Forged from 1025 Carbon Steel to provide great feel
Satin Chrome Finish for a beautiful, long-lasting look
Asus Matte Deep Blue Square 14" Laptop $248 at Walmart YMMV
Added on : Saturday September 08th 2012 01:00:02 AM
I was looking in the computer clearance cage in our local WalMart and noticed a bunch of Asus computers marked down to $248. A couple weeks ago these were just some netbooks knocked down a few bucks. But upon closer inspection I realized these were regular laptops with $100 taken off.Not sure about the processor, but it does have 4GB of memory, USB 3.0, HDMI and a six-cell battery.Here's the online link, with the description below:The Asus 14" X401U-EBL4 Laptop PC features Instant On to resume your laptop within two seconds. A SuperSpeed USB 3.0 port provides data transfer rates that are ten times faster than USB 2.0. Palm Proof technology prevents accidental input. Power4Gear automatically adjust fan speeds for quiet computing and prolonged battery life.
Special Offer: Buy this Windows 7 PC and get Windows 8 Pro for $14.99. We've got you covered. Click HERE to learn more about Microsoft Windows 8 Pro & the upgrade program.
Asus 14" X401U-EBL4 Laptop PC:Key Features and Benefits:AMD E1 1200 processor
1.40GHz, 1MB L2 Cache4GB DDR3 SDRAM system memory
Gives you the power to handle most power hungry applications and tons of multimedia work320GB hard drive
Store 213,000 photos, 91,000 songs or 168 hours of HD video and more10/100/1000Mbps Ethernet, 802.11b/g/n Wireless LAN
Connect to a broadband modem with wired Ethernet or wirelessly connect to a Wi-Fi signal or hotspot with the 802.11b/g/n connection built into your PC14" HD slim display
UMA GraphicsAdditional Features:
0.3MP webcam with built-in microphone
5-in-1 memory card reader
1 x USB 3.0 port, 1 x USB 2.0 port, 1 x headphone jack, 1 x microphone jack, 1 x RJ-45 Ethernet port, 1 x HDMI port, 1 x VGA port
6-cell lithium-ion battery, up to 5 h 34 min battery lifeSoftware:
Genuine Microsoft Windows 7 Home Premium 64-Bit Edition (To learn more about the features of Windows 7, click here)
Microsoft Office Starter 2010: Includes reduced functionality versions of Microsoft Word and Excel, with advertising. PowerPoint and Outlook are NOT included. Purchase Office 2010 today and get the most out of your new PC. (To learn more about the features of Office 2010, click here)
TrendMicro anti-virus
Backup and Restore options built into Windows allow you to create safety copies of your most important personal files, so you're always prepared for the worstSupport and Warranty:
1-year parts warranty; 1-year limited labor warranty
Restore discs are not included (unless specified by supplier). We recommend you use the installed software to create your own restore and backup DVD the first week you use the computer.What's In The Box:
Power cord
6-cell lithium-ion battery
Quick Start Guide
Walmart Coupons
TigerDirect Item#: O83-1392 | Model#: 228740
Use coupon at checkout - XSP71041TigerDirect LinkCircuitCity Item#: O83-1392 | Model#: 228740
Use coupon at checkout - ZGF71044CircuitCity LinkList Price: $299.99
Instant Savings: - $150.02 (50%)
Price: $149.97
Coupon: - $20.00
Less Rebate: - $30.00 Rebate hereBottom line: $99.97Olympus SZ-20 Full HD Digital Camera - 16 MegaPixels, CMOS Sensor, 3-inch LCD, 12.5 Optical, 4x Digital, 59MB Internal, SD Card Slot, HDMI, USB, BlackOlympus SZ-20 Full HD Digital Camera
Capture beautiful in an instant using the Olympus SZ-20 Full HD Digital Camera. This point-and-shoot camera utilizes a CMOS sensor to take incredible 16MP snapshots and record dynamic, Full HD video. It features a 12.5x optical zoom so you can get a closer look at your subject. You can add effects, use image filters and more to enhance your images and videos, then save the results to its 59MB internal memory; insert an SD/SDHC card to expand your cameras capacity. To view images and movies on a larger display, simply use a USB 2.0 cable or an HDMI Type D cable and hook it up to a larger display. For excellent image and video performance you can bring with you anywhere, get the Olympus SZ-20 Full HD Digital Camera.CMOS Sensor; captures 16MP snapshots and full HD videos
12.5x Optical zoom; magnifies the subject so you can get the shot you want
59MB Internal memory; saves your images on-board
Media Card slot; increase the number of photos your camera holds with an SD or SDHC card
USB 2.0 interface; transfer files to your computer or another compatible device
HDMI Type D interface; connect the camera to a bigger HD display
30% off with Kohls CHARGE event start 9/12there will be a Kohls Cash overlap period.full dates/codes will be available soon.free ship code to be released closer to 9/12. (or on 9/12)
Kohl's Coupons
Seems like a pretty good deal. Beats others by $63 and up with free shipping and no tax for most. Compatible with PC/PS3/PS2 and games that support Logitech Force Feedback. 4/5 eggs rated with 71 reviews.Link
Promo Code: EMCNBHB62 (expires 9/3)Features:
* Dual-motor force feedback
* Six-speed shifter
* RPM/shift indicator LEDs
* Hand Stitched Leather
* Steel gas, brake, and clutch pedals
* 900-degree wheel rotation
* 16 programmable buttons plus D-pad
* Custom tuned for popular games
* Carpet grip system
* Steel ball bearings
* 1 Year Limited Warranty (Parts & Labor)System Requirements:
* Pentium processor or compatible
* Windows XP or Windows Vista or Windows 7
* 256 MB RAM
* 20 MB of available hard disk space
* CD-ROM drive
* USB port Games that support Logitech force feedback
* PLAYSTATION 3
* PlayStation 2 The Logitech G27 Racing Wheel real metal, real leather, real racing
Whether sliding sideways around a gravely curve, or screaming through the streets of Monaco, with the Logitech G27 Racing Wheel, the world's greatest circuits feel closer than ever. Designed to deliver the definitive sim racing experience for the PC and PLAYSTATION3, the Logitech G27 Racing Wheel features a powerful, dual-motor force feedback mechanism that smoothly and accurately simulates traction loss, weight shift, and road feel; plus a an exceptionally quiet helical gear system that virtually eliminates steering noise. And then there are the six-speed shifter with push-down reverse gear; RPM/shift indicator LEDs; 11-inch leather-wrapped rim; steel gas, brake, and clutch pedals; and 16 programmable buttons plus D-pad. All of which add up to a level of performance and realism that you might not have thought possible.
Newegg Coupons
Sears Video Game Clearance B&M YMMV
Added on : Tuesday August 28th 2012 06:00:04 PM
Went to Sears to pick up a toolbox and came across a bunch of video games for all platforms on clearance. Here are a few notable ones that I can remember:PS3
$2.97 - Rapstar
$4.97 - BLUR
$4.97 - Disney Sing It
$10 - Tiger Woods 11
$10 - Madden, NHL, MBL 2011
$10 - Castlevania (not sure which one)Xbox 360
$10 - Tiger Woods 2012: The Masters & Tiger Woods 2011
$10 - Madden, NHL, MBL 2011
$10 - De Blob 2
$10 - Biggest Loser Ultimate WorkoutBunch of DS and Wii games as well.
Sears.com Coupons
Writing dollar amounts on checks
Added on : Tuesday August 28th 2012 12:00:48 AM
Is it a requirement to write out dollar amounts on checks?
I received a computer printed refund check from a bank and instead of writing out one hundred eighty dollars, it was printed as 180.00.
Because of the font and because printing quality was so rough, it was almost illegible. It looked more like 100.00
At first I was going to deposit as 100 dollars until I took a closer look. I then scanned the check to deposit online and it is going to be held for review because it it isn't clear enough what the dollar amount is. It was almost like deciphering a CAPTCHA.Is there some rule that says you (and the bank) must write the dollar amounts out in words when writing checks?
I have a decent govt job, now how do i make money on the side?
Added on : Saturday August 25th 2012 02:00:47 PM
Stats:
Age: 24
Salary: $55000
Debt: 0
Savings: $35000 (Emergency fund + investments following Boglehead principles)
Education: BS BiologySituation:
I have a job with local government doing environmental compliance. I really enjoy the work I do. The pay is pretty decent for my age but it will only grow at a rate of about $1700 a year + cost of living increase and max out around $100k or so. I work 35 hours a week without any chance of mandatory overtime. I am extremely grateful to have this job and I know how lucky I am. With that said, I am looking for ways to make more money.Things I could do:
1. With tuition assistance I can get a masters degree during the evenings for about $7k. This would probably increase my salary growth rate and make my max possible salary closer to $115k.2. Get education in a higher paying field (maybe something in the medical field or programming) and then switch completely to this field.3. Get education/training in a higher paying field and then work part time in this field. Any ideas for this?3. Get a side job working in a restaurant, retail store, etc during the evenings and weekend.4. Something more creative/entrepreneurial?I'm leaning towards option 1 + 3 or 4 but I have no idea where to start. Option 3 seems to be the most popular choice of coworkers and the safest. Option 2 is what my family is pushing for. Anyone ever been in a similar situation or have any thoughts in general?
Tom Petty's Greatest Hits - $3.99 @amazon mp3
Added on : Friday August 24th 2012 10:00:02 AM
http://www.amazon.com/dp/B003ALHN8ITrack listing1. American Girl
2. Breakdown
3. Listen To Her Heart
4. I Need To Know
5. Refugee
6. Don't Do Me Like That
7. Even The Losers
8. Here Comes My Girl
9. The Waiting
10. You Got Lucky
11. Don't Come Around Here No More
12. I Won't Back Down
13. Runnin' Down A Dream
14. Free Fallin'
15. Learning To Fly
16. Into The Great Wide Open
17. Mary Jane's Last Dance
18. Something In The Air
Amazon Coupons
Yesterday at King Soopers I saw, and purchased the Blue Ray DVD for Hunger Games (that comes with a digital download/cloud version) and a DVD of special features for $19.99. Regular price is closer to $26.99 in most stores. But that is not the FW worthy aspect, he amazing thing was that you also got a free 1.5 litre bottle of Coca-Cola ($0.99 value), a bag of Chex Mix, Bugles or some other snack ($3.49 value), and a Schick Hydro 5 razor ($8.99 value) for free. It might be wise to check in at the service desk, but everyone at my store was very cooperative, and my teenage daughter will be very happy. Regular version (not Blu-Ray) has the same offer for $16.99.
Borrower's mortgage insurance for elderly grandparent
Added on : Tuesday August 21st 2012 04:00:55 PM
My wife's grandfather is not in the world's best health and apparently he has a universal whole life policy with a $60k death benefit that he has not been making full premium payments on in quite some time. He did not understand how this product works apparently and never increased his monthly premium payments. So the policy will be terminated next summer unless he makes really significant contributions to it to keep it going, or he can take out the current value of $1100 today.I helped him shop around a little for a term policy but at 79 and a long history of being a smoker (plus his health right now isn't exceedingly great), there aren't many policies available to him, maybe $15-20k tops which does not cover the amount left on the mortgage and the monthly premiums are nontrivial (as they should be).In speaking with him, he owes $40k on the mortgage (house is worth maybe twice that) and his primary concern is dying and leaving that mortgage for his wife to handle. It occurred to me that perhaps borrower's mortgage insurance might make sense in this situation as his age and health are not generally a component for eligibility for these products.His wife is in better health, around the same age, and runs an in-home daycare for some neighbors and family so they do have income in addition to social security (nothing dramatic). She also has life insurance and I don't know the details but I'm sure the same agent sold them universal whole life for her with similar death benefits and I'm sure they have been underpaying but her premiums are less so it will not terminate for a few more years.Having never purchased borrower's mortgage insurance (and in fact expressly declining it in previous mortgage paperwork), I'm curious:
1. how to add this insurance, if it requires a refinance or can simply be added to his existing mortgage
2. who sells this insurance, would it be via the bank who owns his mortgage, the company who services his mortgage or a random third party
3. approximate pricing for this type of insurance
4. if it is possible for this insurance to pay out if one or the other dies, or only if both die, or does this depend entirely on who's name is on the title and mortgage?I understand why this is generally a loser of a product but think in this specific scenario it may actually make some sense.Thanks for replies and any other suggestions you may have!
car trade in head fake = good deal on new car?
Added on : Sunday August 19th 2012 02:00:49 AM
After much research we went looking for a new Prius today. MSRP was $26,600 and TrueCar target price $25,800. Costco price and my credit union car-buying service price = about the same, or $25,800. There are no cash incentives on Priuses.Special sales price of the Prius was $25,000 (lower than Truecar, Costco, or credit union). They offered us an extra -$500 for buying 'today' and $8700 on my trade in 2006 RAV. I knew from previous research that my RAV was worth closer to $9500 in trade in and I hesitated a little. They then offered an additional -$500 'he really wants your business' discount, and wrote up the whole offer as follows:$26,600 MSRP
-$1600 sale
-$500 discount
-$500 discount
-$8700 trade
+$150 docs= $15,450So I figured they were giving me the 'extra' $500 discount(s) because they were undercutting the trade by about $1000. After much discussion we told them they wanted the car but decided not to trade in, just going to buy the car. They went back and huddled and came back with an OK and we bought for $24,450+TTL, a very good price (I'm sure some could have done better).I'm not too experienced with buying cars but I am wondering if this 'head fake' with the trade in has value because the dealer will write up the rest of the offer based on lowballing your trade in. Then you yank the trade in and they'd be painted in a corner just a little.I'm still in the market for 1-2 more cars so if this is a useful strategy we might try it again.
Dates of travel are December 10 - 17, 2012. Would most likely depart from Milwaukee General Mitchell, but could also from Chicago O'Hare if needed.
Madison, WI airport is even closer, but know fights are usually more expensive from there. 2 adults
US BANK FLEXPERKS CARD 22+ K ($440 of travel) Bonus
Added on : Wednesday August 08th 2012 02:00:49 PM
Direct Link Removed but can be found by refreshing us bank home page a few times$2,500 within the first 5 months required.Bonus points 500 per US Gold, 250 per Silver, 100 per Bronze 30*500+19*250+21*100 = ~22k Minimum points , likely closer to 30k by end of games 20k points = $400 airfare so bonus is worth at least $440
Save $10 off this critically acclaimed GOTY for XBOX 360 or PS3. Has won multiple GOTY awards. If you haven't played it, get it! You won't be disappointed, one of the best games EVER for the current consoles. Universally acclaimed 92/100 Metascore.. Ships free with Prime.LINK* Experience the game in a whole new way with Game of the Year Edition extras including: Access to the playable Joker character (in the PS3 version only) and the Joker Challenge maps and 4 additional standard challenge maps.
* Utilize the unique FreeFlow combat system to chain together unlimited combos seamlessly and battle with huge groups of The Joker's henchmen in brutal melee brawls.
* Investigate as Batman, the world's greatest detective, by solving intricate puzzles with the help of cutting edge forensic tools including x-ray scanning, fingerprint scans, 'Amido Black' spray and a pheromone tracker.
* Face off against Gotham's greatest villains including The Joker, Harley Quinn, Victor Zsasz and Killer Croc.
* Become the Invisible Predator with Batman's fear takedowns and unique vantage point system to move without being seen and hunt enemies.
* Choose multiple takedown methods, including swooping from the sky and smashing through walls, and use the predator camera get a closer look at the action.
* Explore every inch of Arkham Asylum and roam freely on the infamous island, presented for the first time ever in its gritty and realistic entirety.
* Experience what it's like to be Batman using batarangs, explosive gel aerosol, the Batclaw, sonar resonator and the line launcher.
* Unlock more secrets by completing hidden challenges in the world and develop and customize equipment by earning experience points.
* Enjoy complete superhero freedom in the environment with the use of Batman's grapple to get to any place you can see, jump from any height and glide in any direction.Recognized as one of the best games of 2009, Batman: Arkham Asylum is a single player, third-person action/adventure in which the Dark Knight takes on his greatest challenge yet when he is trapped by arch rival, the Joker, within the walls of Arkham Asylum, Gotham City's facility for the criminally insane.Story
Batman: Arkham Asylum features an original story penned exclusively for the game by famous Batman author and five-time Emmy award winner, Paul Dini, whose credits include "Lost" season one and "Batman: The Animated Series." As the game begins Batman is personally delivering his nemesis, The Joker, to the asylum at Arkham Island, but he is uneasy. Although the Arkham asylum is well fortified, he has a nagging feeling that all is not well, which proves to be the case when seconds after turning The Joker over to the guards, the master criminal breaks free of his captors. Even more surprising than this quick turn of events is the revelation that it was never The Joker's intent to escape the vault-like facility, but instead to trap Batman there. Surrounded by an asylum full of dangerous criminals, many of which he put there and all at the beck and call of the Joker, can Batman survive and discover what is behind the Joker's intricate plot?
Amazon Coupons
According to the news, an online poker outlet has agreed with the Justice department to try to get you your money returned. Google the news for this and you'll get more info. I know some of the people who lost access to their money so if any of you lost your money, there's some money possibly coming your way. Not 100% back but something is better than nothing.http://www.google.com/url?sa=t&rct=j&q=&esrc=s&source=web&cd=1&v...http://abcnews.go.com/Business/full-tilt-poker-ceo-pledges-retur...
Online Poker money losers, maybe your day is comeing..
Added on : Wednesday August 01st 2012 04:00:41 AM
According to the news, an online poker outlet has agreed with the Justice department to try to get you your money returned. Google the news for this and you'll get more info. I know some of the people who lost access to their money so if any of you lost your money, there's some money possibly coming your way. Not 100% back but something is better than nothing.http://www.google.com/url?sa=t&rct=j&q=&esrc=s&source=web&cd=1&v...http://abcnews.go.com/Business/full-tilt-poker-ceo-pledges-retur...
Get an MBA or a waste of money?
Added on : Wednesday August 01st 2012 12:00:47 AM
I graduated from a state university and was lucky enough to break into the finance field (trading/S&T). I am interested in staying in finance where I have relevant experience so I am not interested in switching career paths like traditional MBA applicants even though the industry is in shambles. Most of my old colleagues from work and friends are heading to top MBA programs this fall so it has me wondering. I'm also envious that they will be on a 2 year vacation having the time of their lives and building a strong network. I think I have a good shot getting into one as well if I put the effort in. I worked very hard to pull myself out of all debt and it feels great to be able to save everything and be closer to financial freedom. I'm uneasy about taking on 150K of student loan debt to get a brand name on my resume. My career path is more risk prone and I'm wondering if getting an MBA degree can add value to my career. I feel that I can be creative and strategic enough that I can find my way into jobs that I want without the MBA but having one might make it a little easier. So is 150K debt worth it? I'm also considering a part time or a 1 year MBA option.
Nook Tablet 8gb $169; 16gb $199 @ Office Depot B&M
Added on : Sunday July 29th 2012 09:00:02 AM
This weeks ad. If you're closer to a Barnes & Noble, try price matching. My OD also has the Blackberry Playbook 8gb on clearance for $179.As always, for those of you who constantly whine about imperfect posts: man up or call mommy.
For those who are interested, this book is only $1 at Amazon right now. The list price of the book is $14.95. This is a condensed version of the Catechism of the Catholic Church book. It uses a question-and-answer format and easy-to-understand language. The book has gotten good reviews. Prices of products at Amazon fluctuate often so the price might go back up soon. -free shipping with Amazon Prime (If you don't have Prime, Amazon orders of $25 or more ship for free.) Compendium of the Catechism of the Catholic Church [Paperback]
Cardinal Joseph Ratzinger (Author), Pope Benedict XVI (Author)
http://www.amazon.com/gp/product/1574557203An excerpt from the section explaining the "Our Father":"596. What does 'Lead us not into temptation' mean?
We ask God our Father not to leave us alone and in the power of temptation. We ask the Holy Spirit to help us know how to discern, on the one hand, between a trial that makes us grow in goodness and a temptation that leads to sin and death and, on the other hand, between being tempted and consenting to temptation. This petition unites us to Jesus who overcame temptation by his prayer. It requests the grace of vigilance and of final perseverance."A review of the book:
"The set up involving the question - answer format is very user friendly. It covers all the basics and important information. The language used is closer to the vernacular and therefore much easier for the every day person to read and understand. There are pictures, quotes, and prayer references. I was a bit wary when I bought it, but for the first time I have voluntarily approached the catechism just for the sake of reading it. I have been able to clearly understand things presented. Now, I understand that it doesn't replace the actual Catechism, but here's another plus: There are side notes that link the text to paragraphs in the Catechism. So when you feel ready to move on to further study you can do so. Overall it is an amazing resource for Catholics and for people interested in the faith but who are a bit wary of picking up a ten pound book."
Amazon Coupons
Article: The Falling Fortunes of the One Percent
Added on : Monday July 23rd 2012 02:00:49 PM
The article can be found here: The Falling Fortunes of the One PercentThe presidential election has given us two myths about the rich. First, that their incomes, and income inequality, are at all-time highs. Second, that the wealthy pay less in taxes than ever, and lower taxes than the rest of us.A recent report from the Congressional Budget Office, however, suggests that both may be false.Lets consider income first. Between 2007 and 2009, after-tax earnings by Americans in the top one percent for income fell 37 percent. On a pre-tax basis they fell 36 percent in the same period.That may sound like a minor haircut for One Percenters compared to people who lost their jobs. But when you take into account federal transfers, assistance and taxes paid, the incomes of the bottom 20 percent grew by 3 percent, while it fell a modest 2 percent for the middle 20 percent.In other words, the incomes of the top one percent fell 18 times more than the incomes for the middle class at the start of the recession.The result of this big drop at the top was that their share of the country's total income also fell. In 2007, the top one percent earned 16.7 percent of all after-tax income. In 2009, that portion fell to 11.5 percent.Inequality, in other words, fell during those years. We are now in an age of High-Beta Wealth, where the incomes of the One Percent have become far more manic and prone to wild drops than the rest of the country.And taxes paid? Despite the oft-repeated fact that tax rates for the wealthy are at an all-time low (which is true), its also true that the actual amount paid in taxes by the wealthy is higher than before the recession.The One Percent paid an average effective tax rate of 28.9 percent on their income far more than any other group, and more than twice the average effective rate of the middle class, who paid 11 percent on average.So the rich lost more income and paid more of their money in taxes than the rest of the population.This is not an argument against taxing the wealthy. And the incomes and tax rates of the wealthy may have jumped back since 2009, with the rebound in financial markets.But when politicians and pundits talk about the rich just getting richer and paying less taxes, they need to pay closer attention to the actual numbers.
Loan repayment advice
Added on : Sunday July 22nd 2012 11:00:52 PM
First off, great forum. Been reading for years and have really learned a lot. If anyone ever needs a doctor's note, you got it!Similar to some other threads before, I thought I would ask for opinions on what people would do in my situation.Background: 34 year old physician,
$160k in med school loans consolidated at 2.25% for 30 years
$20k on a car loan at 1.99% for 3 years
live in manhattan.
getting married in a year to a girl who also has $125k in med school loan.
retirement plans maxed out every year
$150k in cash, $50k in stock.
earned $350k last year, this year on track for closer to $400k.do not own a house, but probably won't buy until after getting married so maybe 1-2 years away. question is:
once upon a time i thought my loans were low interest and I would just make the minimum payment for 30 years (back when you could get 5% in a bank)
now, i am earning 0.75% if that, and stocks are hit/miss. I have been following the advice of bogleheads and investing in index fundsshould i stop collecting cash and start to payoff the loans faster considering that the savings rate will remain low for a while? i was thinking of putting $50k towards my medschool loan. or should i sit tight as the savings rate won't remain this low for 30 years? should i pay off the car loan first, but that is a lower rate?I want to be one of those few physicians that are actually smart financially. I've even completed a few app-o-ramas in the past from what I learned here!Thanks in advance.
Save $10. An older game but a very good one if you haven't played it. 94/100 metascore.LINKNow, for the first time, you can conquer the world with your Civilization in 3D, Supreme Leader. Fight with every unit from warriors to Mechanized Infantry. Research paths take you from the alphabet to fusion and beyond. Build essential structures such as granaries and bomb shelters to feed and protect your populace or put them and your opponents in awe by constructing wonders including the Oracle, Pyramids, Eiffel Tower, Taj Mahal and Space Elevator.You may choose to rule any of 18 real-world nations as one of 26 leaders like Roosevelt, Napoleon, Queen Elizabeth, Mao Zedong and Caesar, and lead them to victory against your rivals. Make alliances, trade resources or wipe them off the face of the planet; it's up to you. You can win by means of virtually any path you take: war, science, diplomacy, expansionism or culture.Spread your state religion around the world and draw your neighbors closer or raise their ire. You can also customize your leadership with different civics, based on views on labor, religion, form of government and the environment. Additionally, you can customize your rule both militarily and culturally with promotions and Great People. Overrun Montezuma's musketeers with your advanced Panzers, build the Pyramids in Tokyo, and nuke Cuzco while Thomas Edison researches radio in Timbuktu.
Newegg Coupons
TCL LED 1080P 43" $399 w/FS
Added on : Saturday July 14th 2012 05:00:03 PM
43" was $429, Costco had it for $419
http://www.amazon.com/LE43FHDF3300TA-43-Inches-2-Year-Limited-Wa...the 46" was $549 last week, jumped up to $649 when Best Buy announced they were carrying it online, and then came down to $519, which i ordered immediately. Best Buy still has it for $649.
http://www.amazon.com/gp/product/B007HK142E48" is $599 and is the only 240hz TV other than the 55". i believe Best buy has it for $649 as well, it is a thicker tv and thus why i chose to do the 46" and it was closer to my original budget of $500.
http://www.amazon.com/gp/product/B007EM7NES
Best Buy's offerings, http://www.bestbuy.com/site/searchpage.jsp?_dyncharset=ISO-8859-...They do charge tax in Texas, but after the wall mount, HDMI cables, the omni wall mount for my cable box/ps3 and all other accessories were included even after tax i saved about $250. In my eyes no interest for 12 months was worth it.
Amazon Coupons
Please Halp! need financial advice from the gurus here
Added on : Friday July 13th 2012 10:00:48 AM
27yo looking to buy a house, retire early(ish), and have money to travel.Income
Gross $52000/yr (about 1900 a paycheck)
Net $36000/yr (about 1400 a paycheck)Current assets:
$6000 in checking (will soon transfer $5000 to high yield)
$70000 in high yield savings (@0.85% APY)
$5000 I bond (purchased Nov. 2009, 0.3% fixed rate)
EE bonds from childhood currently worth about $1600 (will cash in when Im 30 and they stop gaining interest)Expenses:
Rent - $200/month (live with parents, just started charging me this year)
Cell phone - $83/month (includes state gubment discount, Verizon)
Car payment - $379/month (about 1 year left until payed off, about 4000 owed, 2010 honda fit, bought new, currently 40k miles)
Automobile gas- estimated $160/month (50 mile round trip commute mon-fri and other personal driving)No debt besides car loan. No retirement besides state government pension (6.25% contribution rate) (about $5000 contributed so far after 2 years of state employment). State offers deferred compensation program, I remember looking at the details when I was hired and it didnt look very enticing (no employer match).Plans:
-Been saving hardcore since I started working full time 3 years ago.
-Going to spend ALL of the high yield savings on the down payment for a house closer to work (<1mile commute). House will cost around $200,000. Large down payment to get a 15 year mortgage for lower interest rate, shorter term, and smaller mortgage to save on paying interest to bank. Would have a roommate or 2 to cover some or all of mortgage.
-hold onto bonds for now since they are my high earnersQuestions:
-should I be contributing 5000 a year to a roth IRA?
-is my plan for a large down payment flawed?
-would my money be better off somewhere else beside high yield savings acct?
http://www.ebay.com/itm/ACHIEVA-Shimian-QH270-Lite-PERFECT-PIXEL...Guaranteed to have no dead pixels. If you've been drooling over your coworkers' fancy 27" Apple Cinema or Thunderbolt Display, you should look closer at these. Only issue reported so far of signficance is the 5 dead/stuck pixel policy that allowed for flawed shipments and difficult returns. This link is for 'pixel perfect', meaning guaranteed not to have any dead/stuck pixels.So, yeah, you could buy three of these for what Apple wants for one. Now if I could just find a stencil for their logo and some chrome paint...
eBay Coupons
Beats others by $40 and up. This camera features a 2.7" 230k LCD display, 5x optical zoom, 720p video recording, Bright F2.5 LEICA Summarit Lens, optical image stabilization, sonic speed AF, support for SDXC memory cards and built in 70MB memory. LINKThe DMC-FH6 incorporates a 24-120mm LEICA DC VARIO-SUMMARIT lens with f/2.5 brightness. The f/2.5 lens is brighter by approx. 25% than the f/2.8 lens which is generally considered a bright lens. It allows the use of higher shutter speed but captures clear, sharp, blur-free images even in lower lighting situation.Features
* The 24mm ultra wide-angle lens* rare on a compact camera gives you a wider range of composition possibilities with approx. 213% larger viewing space compared to that of 35mm camera. The super-high-quality LEICA DC VARIO-SUMMARIT lens minimizes distortion at the wide end.
* 10x iA Zoom (Intelligent Zoom) - The iA Zoom (Intelligent Zoom) is an extensive zoom function using digital zoom, however, you can even draw the subject 2x closer than the original optical zoom with minimum deterioration of image quality thanks to the Intelligent Resolution technology. This means the 5x optical can virtually extend to 10x equivalent.
* MEGA O.I.S. Shake Detection - The MEGA O.I.S. (Optical Image Stabilizer) compensates for the blurring caused by hand-shake. Even slight hand-shake movement is accurately detected by a sampling frequency of 4,000 times per second, and compensated to produce sharp, clear images.
* HD Video Recording - The DMC-FH6 can record HD motion images (1,280 x 720 pixels) in Motion JPEG format.
* Panorama Shot - Panorama makes it possible to shoot a horizontal / vertical panoramic image with consequent shots taken by overlaying the previous image.
* Beauty Retouch Mode - The Beauty Retouch Mode makes it possible to virtually make-up the faces. The Aesthetic Retouch is like going to a beauty salon, and the Foundation and Make-up Retouch are like putting on make-up.
* Auto Retouch - The Auto Retouch function adjusts contrast and brightness to give different impression to the photo with just a press of a button. Appropriate retouch is automatically applied depending on the image if the image was shot too dark, it can be clear and bright to look it nicer with this function.
* Sonic Speed AF - This gives the camera super high-speed response that helps to catch even the most fleeting photo opportunities.
* 2.7-inch LCD - The large, 230,000-dot high-resolution LCD serves as a small photo and video viewer, allowing you and friends to enjoy viewing images.
* Intelligent LCD - The Intelligent LCD automatically adjusts the brightness in 11 steps according to shooting conditions.
* 4 Aspect Ratios - In addition to 4:3, 3:2, and 16:9, you can shoot with a 1:1 aspect ratio.
* LUMIX Image Uploader - You can upload photos to Facebook and videos to YouTube with simple operation.
* Battery Life - The energy-saving Venus Engine and the efficient, rechargeable lithium-ion battery lets you take approx. 280 shots on a single battery charge*.
* Built-in Memory 70MB - The built-in memory provides extra memory when your memory card fills up.
* PHOTOfunSTUDIO - The PHOTOfunSTUDIO smartly sorts your photos and movies into practical folders for quick, easy management.
Key Points- Grandmother died in a city that I don't live in, but rest of family does.
- Grandmother's will states that her 3 childeren receive equal share. Since my father is dead it is to go to me.
- My uncle (untrusting loser) is executor of the will and the only one who knows about her assets.
- Grandmother and I had a great relationship and she would surely want me to get my fair share.
- I don't want to come off as money grubbing...her children just lost their mother.
- It is probably not a large sum of money...less than $20,000
Having never gone through the process, being out of town, and not having a good relationship with her surviving children how should I proceed in this? Any thoughts would be appreciated.skeer27
http://www.tigerdirect.com/applications/SearchTools/item-details...AudioSource AC6W 2-Way In-Wall Speakers
The AudioSource AC6W 2-Way In-Wall Speakers features Carbon filled Polypropylene woofer and an elastomer deposited silk tweeter. Boosting 100 Watt power, the AC6W proves to give pure quality sound. The AC6W come with robust mounting clamps and paintable grill and frame. Get your dream home theater center closer to completion with the AudioSource AC6W 2-Way In-Wall Speakers.

What It Is And Why You Need It:

6.5" Woofer
Pivoting tweeter enables aiming towards listening area
8 ohm Impedance
100 Watt Power Handling
Speaker Specifications
Type: Speakers
Condition: New
Number of Speakers: 1 No Subwoofer
Speaker Type: In-Wall Speakers
Speaker Size: 6"
Tweeter Size: 1.0"
Firing Direction: Front
TigerDirect.com Coupons
Microsoft Natural Ergonomic Keyboard 4000 - $25.99 Shipped @ Newegg
Added on : Thursday June 21st 2012 08:00:07 AM
Save $11 on this popular keyboard. Beats other reputable sellers by $10 and up. 4/5 average eggs rated with 701 reviews! Promo Code expires 6/27.Link
Promo Code: EMCNDHJ58
Industry-Leading Ergonomic Design Given the time you spend with your hands on a keyboard, investing in the newest addition to Microsofts best-selling line of ergonomic keyboards can pay dividends in greater comfort. According to some studies, ergonomic keyboard designs, such as the Microsoft Natural line, have been associated with significant reduction of carpal tunnel syndrome symptoms. Rest your wrists against the plush palm rest in a relaxed, natural angle with this keyboards curved key bed, ergonomic arc and reversed slope. Apart from comfort and support, enjoy quick, customisable ways to reach files, folders and web pages with handy hot keys. For close-in tasks, use the Zoom Slider, located in the middle of the keyboard, to zoom in and out with the touch of a finger.
FEATURES

* Zoom : Get a closer look quickly and accurately with the intuitive Zoom Slider.
* Customisable Hot Keys : Perform common tasks, like opening documents and replying to email messages, with the touch of a button.
* Improved Number Pad: Quickly reach for commonly used symbols, such as equal sign, brackets and Backspace. They are now located just above the number pad.
* Ergonomic Design: Type in total comfortergonomic design encourages natural wrist and arm alignment so you can work without discomfort.
* Device Stage: Quickly and easily access common tasks, including product information, registration, settings and more for popular devices such as mobile phones, cameras and printers, and mouse, keyboard and webcam products.
* Taskbar Favorites: Easily access programs in the taskbar with convenient keyboard hot keys. The keys automatically adapt to the new location of applications that have been rearranged by dragging.
* Email and Internet Hot Keys : Touch a button to quickly access your email application and the Internet.
* Multimedia Keys: Quickly and easily access and control all of your media from your keyboard.
* Lockable F-Keys: Lock your F keys to avoid engaging them unintentionally.
* Integrated Palm Rest: Get better support with this plush, integrated palm rest.
* Cutting-Edge Design: Whether you're at work or play, improve your performance with cutting-edge Microsoft design.
* Three-Year Warranty
Newegg Coupons
GOG is running a promotion where you vote between two games, the winner going on sale for 60% off the next day. The losing game is still 40% off though.Today's winner is Fahrenheit (Indigo Prophecy) Uncut for $2.39
Today's loser is Alone in the Dark 1-3 for $3.59
http://www.gog.com/page/2012_summer_promoNote that Fahrenheit (Indigo Prophecy) Uncut is rated AO (The US release was originally edited for an M rating).
You can also vote for tomorrow's deal now. The choices are Serious Sam: The Second Encounter vs POSTAL 2 Complete. Note that Serious Sam:SE is the original version, and not the HD remake that came out last year.Day 1 thread (Myst: Masterpiece Edition $2.39, The 7th Guest $5.99)
http://www.fullofdeals.com/forums/hot-deals/1200314/
Promotion where you vote which game gets the 60% off and which gets the 40% off. Today's winner is Myst: Masterpiece Edition for $2.39. Not bad price if you were interested in this game. Loser was The 7th Guest for $5.99.Here's the link to the promo Bonus. I don't know if these are new free games but I didn't have them in my account yet.Worlds of Ultima 1Worlds of Ultima 2
I have dental insurance from work and recently I switched to a new dentist (closer to home). When I went to this new dental office for teeth cleaning the first time a couple of weeks ago, the hygienist gave me Bitewing X-rays before the cleaning. She said this is routine procedure, but I told her that the previous dentist did some X-rays on my teeth last year (it's been a while and I don't remember exactly when at that time) and I seemed to remember that these X-rays were only covered by insurance once every 3 years. She told me that she called my insurance and made sure that this could be covered before I came to their office that day. That's why I went along with the X-rays.A week or so later, I found online that the X-ray charges (about $90) were denied by my dental insurance company and now the dental office passed those charges to me. While paying $90 would not make me broke, I don't think it's something that I should be paying in the first place. How should I proceed from here? If I negotiate with the dental office and they won't drop the charges, what's my best strategy then? I don't want something like this to wreck my credit history, but I don't want to pay for the dental office's mistake as well.Thanks!
Massanutten Resort Virginia
Added on : Monday June 18th 2012 04:01:09 PM
Our neighbors are giving us their timeshare week at Massanutten Resort in Va. We are from the midwest and really dont get out east much. total will be 6 people going.I am googling things now but what are the sites to see. We only have two weeks to plan so we are in a rush for any advice as fast as we can. We love nature trails so I am looking at state parks in the area. what are the fees and is it better to get day passes and such. This is over the 4th of July and we are near the DC area, I am thinking I will avoid the capital, I know the traffic is horrible and I dont know the area that well. A closer fireworks show would be of interest.Any local restaurants to see. I keep hearing coupon books is that the best way to go? will posting more questions as I start looking
NoiseTrade.com 25 Love Songs Free Download
Added on : Thursday June 14th 2012 04:00:05 PM
http://www.NoiseTrade.com 25 Love Songs Free Download for LIKEing them on FacebookTitle - Artist
Don't Forget - David Mead
Won't Let You Down Again - Matthew Perryman Jones
Sugar - Paper Route
Over the Moon - Rosie Thomas
The Temptation Of Adam - Josh Ritter
Idaho - Down Like Silver
Baby Shake-em - Brooke Waggoner
Ever Could - William Fitzsimmons
Song for Lovers - Stephen Kellogg and The Sixers
I Will Not Take My Love Away - Matt Wertz
See It For Yourself - Sugar & The Hi-Lows
Safety - Leagues
All I Got - Tyler James
Last Fool Standing - Derek Webb & Sandra McCracken
In My Veins - Andrew Belle
Hots Full of Love - Josh Rouse and The Long Vacations
Going Home - Marc Broussard
As Long As Our Hearts Are Beating - Jenny & Tyler
Element - Matthew Mayfield
Can't Take My Eyes Off You - Cary Brothers
Beautifully - Jay Brannan
The Lucky One - Jess Penner
Lions And Dragons - Zach Williams
Wings of Desire - Marketa Irglova
Indiscriminate Act of Kindness - Foy Vance
Closer (Bonus Track) - Jars Of Clay
Thinking of doing a Strategic Default
Added on : Wednesday June 13th 2012 05:00:49 PM
About 8 years ago, I purchased a home in an area that was later hit hard by the housing crash. At the time I thought I was getting a fair price, but we all know that didn't last. I originally paid ~350k.The wife and I no longer enjoy living here, and we feel it is time to move closer to family. I can buy a smaller house in the new location for ~120k. Even if I start off earning less, the lower cost of living should more then make up for the difference. I still have the ability to pay, but never planned on staying here more then ~10 years. Only my name is on the current mortgage.Many of the stories about walking away and living rent free for 1+ years sound appealing, but I know I need to stay current on the current mortgage until I close on a new one. My credit score is in the high 700's now, so I do not think I will have any trouble getting approved for a second home. Buying another home seems like a better option then trying to rent a place every few years with trashed credit.-Does a Strategic Default sound like a good option for me?
-Would a short sale be better? In that case, I would move, stop paying on the old house, and then try to sell it. My guess is that it would take 1+ years to sell here.
-Should I rent out the current home before I stop paying, or just mail the keys? Foreclosures seem to be taking 1-2 years here. Rental income would be nowhere near the monthly payment.
-Anything else I am missing?Details:
-Non-recourse state
-Owe ~300k
-Worth ~200k (If I got lucky)
-Savings ~75k
-About ~20k in auto loans/0% credit cards.
A question about timing and investing, TMC/GDP ratio, etc.
Added on : Tuesday June 12th 2012 10:00:45 PM
Hi all,I'm looking to rebalance my portfolio a bit, and need some advice.I'm fairly comfortable with the investments I have, but the biggest issue is that I still have a large chunk of money in a money market account ( around 30% of my portfolio ). It's there not because I want safety, but rather because the market seems overvalued at the moment.I know the market can't be timed too well, but looking at the TMC/GDP ratio http://www.gurufocus.com/stock-market-valuations.php, the market doesn't seem to be in a great place to invest right now. ( ~ 4.6% returns )As pointed by Warren Buffett, the percentage of total market cap (TMC) relative to the US GNP is probably the best single measure of where valuations stand at any given moment.So, my options are as follows:
1. Invest immediately to avoid money sitting pointlessly ( would be invested in no-load, low expense ratio index funds ), or
2. Wait 1,2,3 years until that TMC/GDP ratio shows something closer to 6%What I'm not clear on is how long of a timespan the TMC/GDP ratio predicts for. Examples for each:
1. 100k (for sake of keeping numbers easy) invested at 4.5% for 30 years = $179k
2. 100k invested at 1% for 3 years, and then 6% for 27 years = $234kObviously 2 looks better, but I suspect that you can't model exactly like this. Any suggestions for better models? Also, FWIW, I'm still maxing out my 401k every month at work, so it's not like I'm not investing at all, but I hate to have such a large chunk of my portfolio sitting in cash.
Released in March of this year, already a price drop of $40 of list. Mixed Critic Metascore reviews, higher rated user reviews 7.2 average.XBOX 360 Link
PS3 Link
Having been behind bars for years, and receiving an extended sentence once already, Murphy Pendleton has become a liability during his stay at Ryall State Prison. Due to his storied past at Ryall, he is being transferred to Wayside Maximum Security Penitentiary. During his trip to his new gray-bar home, his bus is involved in a horrific accident. Once the twisted carnage of your prison transport bus comes to a stop, you are able to assess the situation. You find yourself stranded in the foggy woods near the town of Silent Hill. Knowing that this may be his one shot at freedom, Murphy sets off to explore the desolate town. Despite the town seeming vast and empty, he can't help but feel claustrophobic and that someone or some thing is watching him.Return to the horror and desolate town in Silent Hill: Downpour. Marking its return to next-generation consoles, Silent Hill: Downpour delivers a completely original storyline, new soundtrack and more haunting moments that are sure to make your spine tingle. Take on the role of Murphy Pendleton, who finds himself alone and lost in the woods outside the lonely town. Explore the all-new environment that is expansive while feeling claustrophobic at the same time. Experience the bone-chilling terror of Silent Hill with vivid and spectacular visuals that are powered by Unreal 3 technology, bringing the town of Silent Hill, its characters, creatures and horrific world to life. Freely roam, explore the town and venture into all-new side quests that unlock new areas, special items and bonus content. Immerse yourself in the terror with an ever-changing game world that includes a day and night Normal world and an Otherworld world that are created from your actions during the gameplay. Understand that you are never truly alone in Silent Hill.FEATURES
* Uncover the deep and dark storyline of the latest Silent Hill thriller
* Immerse yourself in the desolate town of Silent Hill with intense visuals powered by Unreal 3 technology that bring the town, characters, creatures and alternate hell to life
* Unlock new game areas, special items and bonus content by venturing into all-new side quests
* Explore the ever-changing game world that features day and night Normal world and Otherworld world that are manifested and sourced from character actions throughout the game
* Get closer to the action with 3D technology for the first time ever
* Lose yourself in the desolate and terrifying town with renowned story and music talent, including Silent Hill comic writer, Tom Waltz, original music directed and composed by Dan Licht from the Showtime series Dexter
* Experience the spine-tingling chills and psychological terror while exploring the sleepy town of Silent Hill as Murphy Pendleton
Best Buy Coupons
The Amazon MP3 Daily Deal for Wednesday, June 6, 2012 is: Chickenfoot III, by Chickenfoot, for $4.99.
Reviews, track-samples and purchase-link here.Track-list: 1. Last Temptation 4:02 2. Alright 4:39 3. Different Devil 4:24 4. Up Next 4:33 5. Lighten Up 5:12 6. Come Closer 4:08 7. Three And A Half Letters 4:07 8. Big Foot 3:49 9. Dubal Blues 5:0210. Something Gone Wrong 5:15
Amazon Coupons
Greyhound Express $2 Roundtrip YMMV
Added on : Friday May 25th 2012 12:13:30 AM
$1 each way between major cities on greyhound by booking 3 weeks ahead (promotional and for a limited time, so hurry). They're promoting their "Express" line which uses the newer buses with leather seats, wifi, more legroom. The "Express" routes don't stop at small towns so you get to your destination faster. They've always had a few schedules a day like this but now they've allocated the new buses to them. For trips closer than 3 weeks out, it's still significantly cheaper than before. However, can't beat one dollar each way!!
For example, you can go between Dallas, Austin, Houston, San Antonio, for $1 each way (normal price is $75 San Antonio to Dallas roundtrip)._______LINK_______
Make sure you're using the link and searching EXPRESS schedules.
YMMV. I think the rates change based on how many tickets are left.
------More Amenities, Less Time. Take a ride on Greyhound Express for as low as $1! Travel on the open road with reserved seating, free Wi-Fi, power outlets and extra legroom.------
Medical Billing/Collections Question.
Added on : Wednesday May 23rd 2012 09:06:56 PM
Dear All FWF,
I'm requesting your valuable information on this question I have regarding medical billing related collections. I've been a long time follower of this forum whereby I've benefitted with the info you all share here and at times I've also shared significant amount of information that has been generously greened by you all.Allow me to first present the question and underneath I will describe the background.Can a husband's credit report be hit with collections related information for an unpaid-medical-bill belonging to the wife? (I am the husband asking this question while wife is a stay-at-home mother. My wife is not eligible for and hence does not have a SSN...she only has an ITIN). Because she does not have an SSN, can the collections company report against the husband's credit file?Backgroud: Medical Insurance:
The husband is the primary contract member while the wife is a secondary member on an insurance policy subscribed through husband's employer - employer only provides access to a group insurance policy while participating employees must pay 100% of the premiums out of pocket - it's a small company.
The Medical bill:
The bill in dispute is from a routine annual-physical-exam where everything should have been 100% covered. Even before we both went it for the annual-physicals we confirmed multiple times (over phones) with both the insurance and the doctor's office - and were consistently told this is 100% covered and we do this day-in-and-day-out.
After 4 months of agonizingingly punishing excercise trying to make the Doctors office and the insurance company work with each other, it has become very clear now that it was a complete commercial setup designed at overcharging the insurance and draining the patients. This was our first ever annual physical exam in this nation. Upon researching after-the-fact I've discovered this medical group is notoriously famous for billing issues, over charging, and all such related things. They engage in this literally all the time....they have bought up most of the facilities in my area and have become a monopoly.....their game plan is to buy up hospitals in neighboring counties and close down select few to drive up the revenues & profitability of their remaining facilities.....more than 5 states Attorney Generals are suing this huge group and multiple litigations are at various stages...The provider had originally billed the insurance $1,149.36 for EACH of us. I fully understand & agree on the seperate billing but the dollar amount was exhorbitanly high...and included items even like 'specimen handling' for blood drawn.The insurance paid some items and declined certain items like the above mentioned 'specimen handling'. Finally the provider started billing us for the remainder of about $360.00 EACH of us. After spending so many days trying to negotiate with both (INS and Provider) I wisened up and paid-in-full the husband's bill 10 days ago.Now what is left is the wife's bill (about $360) and have received a mail stating the provider will report to collections in few days time, if full payment not received.
Dear FWF, Please review and suggest if collections can be reported against husband's credit file for wife's unpaid medical bill (husband has SSN and wife only has an ITIN).
Many Many Thanks for all your valuable comments.Note: I fully respect folks that wanna say "pay your bills you deadbeat"........but on a closer reading you will see the pain and agony I went through. You will also realise one more time HOW MUCH BROKEN IS THE MEDICAL SYSTEM IN OUR NATION.
Mortgage Refi on stated income or self employed - Lost Cause?
Added on : Thursday May 17th 2012 09:15:16 PM
I have excellent credit but yet can't get a refi because I'm self employed. The killer is the income that they require to see or meet. Very frustrated as I could use the loser rate and get some cash flow going.
Is this a lost cause or there's a lender out there that can make this happen.
$50 GC For Test Driving A New Fiat 500 (Targeted Mailer?)
Added on : Tuesday May 15th 2012 03:17:39 AM
Check your mail! Don't throw this one out!I had played the Fiat Arbath game on Facebook, but sadly didn't win a new car. However, today I received a nice little booklet in the mail asking me to come test drive a new Fiat. Upon closer inspection, I see that for doing the test drive I'll get my choice of a "Luxury" $50 GC. Gift cards include both Amazon and Neiman Marcus, but there are supposed to be more on the website you go to after doing the test drive. Quick and painless, and should be a lot of fun. I really would love to drive one of the new Arbath's very fast down some twisty roads, so why not get paid to do so?Fiat is just now opening Studios (Yes, they really are calling their dealerships "Studios".) across the country, and the one in my city won't have cars for a couple more weeks, so there is a pretty decent chance that if you get on their snail mail list you'll get one of these mailers as well. It can't hurt to try, right? Good luck, and I hope lots of other folks get in on this hot test drive offer!
Direct Mail Signup Page <-- Click on "Sign Up For Updates" in the top right hand corner.Fine Print:
Thank you for taking the stylish new FIAT 500 for a test-drive.You are now eligible to receive your $50 Premier Gift Card. Choose your Gift Card from a list of
20 premium retailers including Amazon.com, Neiman Marcus, restaurant.com and more.
It's our way of saying thanks for taking a test-drive.Just enter the information below.
Please be sure your name and address match the information in your mailer.
*Indicates required fieldsCertificate Code*
<The 12-digit code found above your address on the booklet you received in the mail.>
Studio Code*
<Dealership code you get at the test drive.>www.fiatgiftcardoffer.comNote: You can do the GC offer right there at the dealership without having to wait to get home, or send in a form via the mail. They really are making this easy for us!Amazon Coupons
http://www.jcpenney.com/jcp/X6.aspx?GrpTyp=PRD&ItemID=196b1ed&Na...I bought these a year ago when they were $144...I have been very satisfied with them and they have a 10 year warranty! Many report the merlot color is closer to purple than maroon/burgundy. Also make great gifts.JCPSHIP for free to site to store shipping although most B&M have these in stock.The r"ebate" CB site is 6%, plastic jungle has jcp giftcards at 26% off, google the mr rebate site to find the one that gives .5% CB on plastic jungle purchases so you could net these for $64.53$90 purchase of JCP GCs at 26% off at PlasticJungle = $66.60
plastic jungle rebate site .5% CB = +$0.33
$90, 6% CB = +$5.40
Net: $61.53 + state tax on $90JCPenney Coupons
http://www.jcpenney.com/jcp/X6.aspx?GrpTyp=PRD&ItemID=196b1ed&Na...I bought these a year ago when they were $144...I have been very satisfied with them and they have a 10 year warranty! Many report the merlot color is closer to purple than maroon/burgundy. Also make great gifts.JCPSHIP for free to site to store shipping although most B&M have these in stock.The r"ebate" CB site is 6%, plastic jungle has jcp giftcards at 26% off, google the mr rebate site to find the one that gives .5% CB on plastic jungle purchases so you could net these for $64.35Tax aside:$90 purchase of JCP GCs at 26% off = $66.60
plastic jungle rebate site .5% CB = $0.33
$90, 6% CB = $5.40
Net: $61.53JCPenney Coupons
87 Critic Metascore/9.1 User Score LinkConcluding the events set into motion by Ratchet & Clank Future: Tools of Destruction, Ratchet & Clank Future: A Crack in Time will at long last answer some of the franchise fans largest questions.After discovering that Clanks disappearance was engineered by Dr. Nefarious, Ratchet races to rescue his best friend. Unfortunately, he discovers that Clanks capture is just the beginning of Nefariouss latest diabolical plot. In this follow-up to the best-selling series, Ratchet & Clank Future: A Crack in Time puts players into the role of both Ratchet and Clank as they attempt to reunite and save the universe. Along the way, both will finally uncover the hidden truth behind their origins, and discover their ultimate destinies. As the duo come closer to reuniting, theyll have to ask themselves the biggest question of all: Do Ratchet and Clanks destinies lie with each other? Or is it finally time for the universes greatest duo to separate for good?Powered by Insomniac Games fourth-generation PLAYSTATION3 technology, A Crack in Time will continue to bring the experience of playing your own CG-animated movie to the PS3. Players will use new gadgets such as Ratchets Hoverboots to explore levels and can take off in Ratchets ship to discover nearby moons and planets. Clank will use new abilities to manipulate time to try and stop Dr. Nefarious.Newegg Coupons
The Biggest Loser Challenge Wii $9.99 Amazon
Added on : Monday May 07th 2012 09:10:32 PM
http://www.amazon.com/dp/B003S2OO7WAmazon Coupons
Help me find a good hotel in South Beach, Florida 5/11-5/14
Added on : Sunday May 06th 2012 03:00:45 PM
Hi!We are two people travelling to South Beach from 5/11-5/14. Please help me find a good hotel deal for south beach. My budget for the room is around $200 per night. I'm looking for a good 4 star hotel preferably with their own beach. Most of the hotels are around 250-300 per night for this time frame. I have made reservations at the Eden Roc hotel (which I really like) but it is on 45th street and I am looking for something more closer to all the action in SoBe. Are there any sites that have last minute deals for hotels? It is a last minute trip so I did not get a chance to make reservations in advance. Thanks for your help!
ProFlowers.com Awesome Mother's Day deal through 5/4/12 only !!!I searched and don't think this deal has been posted, someone correct me if I'm wrong..Go to ProFlowers.com and click on the microphone in the top right hand corner. Use password BLOOM100. Select the 1st featured offer: 100 Blooms for Mom (100 Peruvian lilies) for $19.99
On the next page you can get the Large Ginger vase for FREE.
Select shipping on Thursday for the best deal ($9.99 shipping+$2.99 handling)...It'll go up from there the closer you get to Sunday..obviously Go to checkout and enter all your information, shipping address...billing address, etc. On the final page before you submit your order, enter code PROKISS to get 15% off. 100 Peruvian Lilies in a glass vase shipping,handling & tax ($2.10 here) included for approx $32.00 (by selecting Thursday delivery) You'll pay $5 more for Friday delivery and $10 more for Saturday ...I think $15 more for Sunday.These are normally $39.99, the glass vase is $6.99, shipping $9.99 and handling $2.99 and tax $2.80 (varies I assume) = $62.76...basically half off if you order tonight I was going to order last night but waited, and glad I did because they threw the 15% off in the last day of the deal (TODAY) and for some reason they decided Thursday would be normal shipping prices, yesterday they were the same as friday (+$4.99)...not sure what that's all about but I'll take it ripped from sd/druth
Home mortgage underwriting booboo, any recourse ?
Added on : Friday May 04th 2012 09:03:47 PM
I had offered to help my folks with their mortgage process, and did bulk of the lifting in regards to submit documents electronically. It is a non-traditional (FHA type) type of a loan, so the lending bank had asked for more than 30 days for settlement, so our PnS agreement had the settlement date of 45 days from the day of offer. Now despite the fact I had told the applicants, not to do any change in their overall financial picture - I got a call today from lending bank that today when they were about to send the loan to closing, they found out that one of the borrowers had quit their job. Lo n behold, It was confirmed - so now after 2 months of all my work, I was upset to see it going waste. Nonetheless, contacted the employer and cancelled the quit notice, assuring the employer that even if the loan gets processed the respective borrower will continue the employment (at least for some time). This borrower works in allied healthcare and has a state licensure, so it would not be difficult for them to obtain employment again after reallocation - continuing at current employment would mean to commute at least 65-70miles one way each day ! Now since it was just the matter of canceling the notice to quit employment - and there is no gap in employment, because the borrower worked today, and is scheduled for next whole week, and then the weeks onward , my question is that can this have an adverse effect on the outcome ? Can anything be done to improve our position ? The borrow does not mind continuing employment here, although the salary is a bit less because she started working here before getting her state license and even after getting the license, she would have better offer after changing her company. Her HR talked to the bank AFTER canceling the notice supposedly, and said it was all set. The HR is nice, because the borrower has worked at this company for over 5 years and has good relationship with staff. The only reason to quit was to get a job closer to the new home - the initial anticipated settlement date was April 12th, then April 27th, then May 4th (extension)... The bank has dropped the ball a few times, askign for redundant documents, and asking us to explain in a letter where there were 6 inquiries on credit report (the reason was that each credit bureau report was appearing on 1 line and the two mortgage pre-approvals pulled all three reports - so for 2 pre-approvals (3 bureaus each) it showed as 6 inqiuries)... One would think that the bank would figure it out, since its all done on same date from same institution....Believe me, I have conveyed my feelings, so I would appreciate if we could get some feedback on what to do next as oppose to what should have been avoided. Thanks
Impending Used Car Purchase
Added on : Thursday May 03rd 2012 12:04:07 AM
In 2005, I bought a 2002 Chevy Malibu LS (3.1L v6) with 48k miles on it for $7k. It has served me well despite my abuse and is getting ready to hit 200k miles. It has tons of normal maintenance work coming up (tires, suspension, brakes, etc) and just recently had the fuel pump go out (because I never changed the filter... despite the fact that I bought one that had been sitting in my garage for three years). It has also been in two wrecks for which I have done no repairs. It is time to put 'er down.I found a 2003 Chevy Malibu LS (3.1L v6) with 48k miles on it... and they want almost $8k for it. I haven't seen it in person, let alone driven it... so I don't know its true condition. It is being sold by a local Toyota dealership, so I trust that they aren't just completely misrepresenting it (although there could be some small inconsistencies.From what I have seen, they may be a few hundred over KBB. I don't feel comfortable with the price despite the other positive aspects of this deal. I am familiar with the vehicle and have done all of the regular maintenance. Assuming it isn't worse than they state, I should be able to get it to 200k miles easy enough... probably further if I treat it better.Which brings me to my next point... this will be my daily driving car for the next 2 - 2.5 years, until my kids start driving, and then they will be the drivers. I feel that it is a safe car and it should be reliable. I put 22-25k miles a year on my car with my current commute, and I don't see it changing during the time I would be driving it, then it will have far fewer miles, but it will probably be abused more than I would.Based on that situation, what price would you feel comfortable paying if you were in my shoes... and what is the reality that I will be able to talk them down?They also have a 2006 Chevy Malibu LTZ (3.5L v6) with 48k miles for just under $10k. Being the LTZ trim pack, it is fully loaded. It is a different platform than the model I drive, so I don't know about the reliability and such, and I have never driven one. If I can't talk them down closer to $6k for the 2003, I think I would rather go with a newer model that is loaded. For those that actually have a significant amount of driving experience with the newer platform, is it as reliable as the older platform? It has a larger engine that I would assume would take my foot pedal abuse with more ease.I am ready to pay cash for the 2003 if I can get it to $6k... I would have to save up a couple more months or take out a short-term loan for the 2006, which I don't mind doing as I would have it paid off within 2-3 months and would be able to get a good rate.
Rent, Sell or Stay Put?
Added on : Tuesday May 01st 2012 09:04:31 PM
So I have been reading these boards and found some pretty helpful and interesting information on the housing market. I hope this community can help me figure out the best plan of attack. My wife and I want to move from Charlotte, NC to Pittsburgh, PA. We have a family now and want to be closer to home.We bought our house in April 2008 for $185k. We bought at the worst possible time and the price has dropped since our purchase. We had felt confident that in 5 years we might be able to move and make a small profit (but the times have changed. We got a 30 year fixed loan at 5.75%, we currently pay about $1200/month and have 26 years yet to go on the loan. We owe $166k still on the loan.The house is currently valued at $145k on Zillow, but similar homes in the neighborhood have sold in the $160's-$170's. We have a foreclosure in the neighborhood which is bringing down prices. But overall it is a good area, mostly owners and a few renters. Good area, growing area, good schools. But the housing market has really been hurt in Charlotte since the recession.My wife and I are not really too sure where to go. We don't have a lot of cash on hand, I am the working with wife at home with child. I make about $80k/year. We have been trying to see if we should rent, sell or stay put. We are also wondering if we could refinance to get a lower mortgage payment. If we rent, we would have to get a property manager because we wouldn't be local. We think we could rent at about $1000-1200. I guess we are looking for any input on where to go from here. We aren't sure if we should put a little money into fixing up some little things (master bath needs new shower) or just some cosmetic stuff. I would like to avoid selling and losing 20k. It seems like all the input I have read says to try to avoid being a long distance landlord if possible.Any thoughts would help. And if I forgot any important info, let me know... Thanks
Fatwallet and Dating
Added on : Sunday April 08th 2012 06:09:02 AM
Yahoo! had an article on women's "worst dates" and had the following stories:1. The discount doctor
Cecily, 38, met a physician at a holiday party. On the first date, he took her to a Japanese restaurant and paid for dinner using a two-for-one coupon. The second date, he took her to the same place... and once again, he used a coupon. On our third date which I probably shouldnt have gone on, but he made me laugh he conveniently forgot his wallet in his sports car, recalls Cecily. To me, it sounds like this doctor is smart with his money - not cheap. Although going to the same restaurant twice with the same girl probably wasn't his best work. And he could have actually forgotten his wallet, although "forgetting my wallet" does sound like a FW technique to dating.

4. The well-suited suitor
Sarah, 33, was impressed when her date Phil told her how much his suit cost. Later, we were at a nice restaurant when I reached over him to grab a napkin and accidentally spilled the entire glass of shrimp cocktail all over his chest and lap, she admits, thoroughly embarrassed. Luckily, this one still had a happy ending: Phil did ask Sarah out again. This guy sounds like a loser since he told his date how much his suit cost. What's even worse - she was IMPRESSED by him telling her how much it cost.http://yahoo.match.com/y/article.aspx?articleid=1955&TrackingID=...
Finding a Flight
Added on : Friday April 06th 2012 12:00:17 AM
I have a flight that I need to book for June.
Back in December, I could get a flight for $250. In February it jumped to $300, and now it is at $350.
I was holding off because I've heard that the lowest fares are closer to the date of the flight.
Do you think I should just accept that it'll be $350 or should I continue to wait?
The flight is from NYC (or anywhere nearby) to MSP, are these airports commonly included in those $99 one way fares (or similar)?
KidKraft Metro Train Table & Train $136 shipped @ kids woot
Added on : Monday April 02nd 2012 09:32:24 AM
http://kids.woot.com/
Recommended for Ages 4+Warranty: 90 Day KidKraftCondition: NewFeatures:
* This train table & train set puts a bustling metropolis at your childs fingertips
* Attractive espresso finish and solid wood frame
* Large table top brings play off the floor and closer to eye level
* Rolling trundle provides convenient storage
*Fun and safe 87-piece train set included
* Long, winding track goes over multiple bridges and a plastic molded mountain
*Movable crane lifts and lowers cargo
* Deluxe airport with runway, airplane, helipad and helicopter
* Two buildings with plastic molded roofs
* Simple assembly, packaged with detailed, step-by-step assembly instructions
* Made of safe and durable wood, birch, MDF and plasticsDimensions: 46.5L x 32.75W x 26.63Hwoot! Coupons
BOFA: Too Crooked to Fail
Added on : Sunday March 25th 2012 09:03:30 AM
I realize I have anger issues with BOFA, I am seriously trying to be amused instead. The only problem is, I know how sorely this corporation tramples everyone in their wake. As the article asks;Rolling Stone said: ....Seriously, who hasn't this bank conspired to defraud? Puppies? One-eyed Sri Lankans?....

From this link: Rolling Stone Article

Having admitted to being a corporate felon in court:

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

An assault on the American dream:

Rolling Stone said: In a pure capitalist system, an institution as moronic and corrupt as Bank of America would be swiftly punished by the market the executives would get to loot their own firms once, then they'd be looking for jobs again. But with the limitless government support of Too Big to Fail, these failing financial giants get to stay undead forever, continually looting the taxpayer, their depositors, their shareholders and anyone else they can get their hands on. The threat posed by Bank of America isn't just financial it's a full-blown assault on the American dream. Where's the incentive to play fair and do well, when what we see rewarded at the highest levels of society is failure, stupidity, incompetence and meanness? If this is what winning in our system looks like, who doesn't want to be a loser? Throughout history, it's precisely this kind of corrupt perversion that has given birth to countercultural revolutions. If failure can't fail, the rest of us can never succeed.Please excuse me if I am short with BOFA apologists.
I received an out of state job offer. It is a step up career wise, and financially.(also puts us closer to extended family as well).Due to this we now need to rent our existing home out. I am looking for some advice on what I should look for in a property management company, or things to avoid.Quick details:
-Home located in the Phoenix, AZ area
-2200 square feet - 3 bed/2 bath single family home with pool/spa
-average rent in our area is between $1200-$1500 for similar size homes.
-owe 257k on home / 30 year mortgage Thank you.
Buying real estate near a "future" road
Added on : Tuesday March 20th 2012 03:11:00 PM
I've found a property that appeals to me.Since the area is still being developed, I've looked into county plans and discovered there is a 2 lane wide road to be built within 200 ft of the property.
The project has already been funded, and will start in 2 years.
This property, shouldn't be affected even after right-of-way and slop easement are taken into consideration.Given the property is zoned in a way that allows for a small business or even a small church to be there, would that significantly raise the value of the land?
Would land/property taxes go up as a result of a major road being closer?Longer term, the county plans to run another road through the property. And while I view it as unlikely to happen in the next 5-10 years, where can I learn on what premium I should expect from the county/town purchasing the land?Thanks
iSi Twist and Sparkle Beverage Carbonating System - $24.98 at Amazon
Added on : Tuesday March 20th 2012 03:30:08 AM
iSi Twist and Sparkle Beverage Carbonating System for ~$25Thought this was a great deal since it's usually closer to $40. Not a bad option if you don't want to go with the pricey refills of the soda stream route or want to limit countertop clutter. Link belowAmazzzon linkAmazon Coupons
Gap/Wrap/Bridge Group/Employer Health Insurance with HDHP Options
Added on : Monday March 19th 2012 09:07:24 PM
Hello,I was hoping there was experience with these employer-based health insurance products here. Basically, if you are not a large employer who can self-insure health insurance (use a rented network with a stop-loss policy), you have fewer options when buying let's call it 'standard' or full benefits coverage for employees (preventative care+outpatient visits+Rx+inpatient situations+etc.). I am going to leave out the ancillary stuff from this conversation (group life, dental, vision, supplemental, etc.).Traditionally it may be easiest to buy a fully insured product (moderate co-pay policy for a HMO/PPO model), but these prices have been rising rapidly (well-reported). Maybe it is due to the hospital care, maybe it is Rx, maybe it is a regional situation, etc., but these policies I think tend to have some price difference across carriers, but not a lot. They tend to look very similar, if they have differences in premium, there is likely some sort of tradeoff (maybe a special Rx brand deductible co-pay or higher inpatient deductible, etc.). It is a very boring, barely innovative market. We can blame how people interact with health insurance and such, but again, those problems are well-reported (I am not necessarily trying to solve all those issues either).Many months ago, I looked at the whole premium for these policies for an employee/family and wondered if a smaller company (let's say 2-50, or 50+ SMB) could buy a major medical policy with a high deductible (let's call these HDHP) and combine it with either a cash account (some sort of HRA or HSA). The group I was looking at did not have a bad "rating score", in fact its low utilization qualified it for lower than 1.0 standard ratings premiums. So, there was not "a lot" of healthcare actually being used. In that sense, the premiums look outrageous, but this is what insurance means, if there is a catastrophic need (likely to involve significant hospital care and related needs), the policy would avoid major out of pocket expenses for the employer or family. It takes just one incident to cover the total premium cost. Okay, we know this and that is why the HDHP is still an important plan.Recently, I learned that there are TPAs that do this type of thing (Benemax, Primarily Care, Optimed). There is some sort of combination of employee cash outlay (maybe similar to co-pays in traditional insurance), employer cash funding (via some sort of sanctioned Section 105 method), a gap insurance policy, and a HDHP. You likely have two insurance cards, but there might be some type of coordination (or the doctor bills one plan first, then the TPA to get the payment).Employers may not necessarily save on insurance costs, but might be able to significantly minimize their cost increases (depending on how they do the mix and how much they 'self-insure' before the policies kick-in). For many employees, they might not even use the "non-cash" insurance part much because their health care usage is lower (or lower dollar total).A side effect of this is that employers might have better what I call 'first-dollar' coverage while still utilizing contracted PPO rates from a major carrier. Moreover, long-term there could be significant actual dollar savings (but I am just having a goal of closer to flat increased costs). Some HDHP might incentivize trying to get the best deal (such as cash price on generics) to the employee, but that is one reason for this thread is to understand how employees and families behave in these types of plans.A few more notes on these plans:-There is additional administrative expense per employee and overall to have so many layers of plans. This runs against the concept of health care reform (less overhead/less non-direct care expense)
-Some insurers outwardly prohibit these wraps because they lose significant revenue (cheaper plans) and they supposedly think that this type of bridge/gap is not the intention of these plans saying that it does not change consumer-directed behavior. I think they are just upset of the loss revenue.
-Almost all brokers are compensated on the back-end so if the premium goes down, so does the commission. In the SMB market, you would likely not find many firms to work on a fee-basis compared to the 'free' cost of the commissioned broker (not up to me). So brokers do not work hard to get these wrap plans setup I think.
-I was initially against the complexity of two plans and a TPA, but if I can handle rebates and coupons, this is nothing, but I am not so sure that in the quest to fix medical expenses, employees don't use these programs as best as possible (without changed employee/family behavior all of these plans are likely just band-aids to the bigger issues of care utilization and costs).
-This is for employers who want to provide rich benefits (most of the premium is taken by the employer), so they maybe have the best incentive to find the best premium cost solution while trying to be a good employer. Further, I believe this is well-suited for smaller than large employers who can likely do a lot with self-insuring and size that smaller employers cannot do.So here are my questions:1) Anyone wish to share their experience as an employee/family or involved in the decision of these plans?
2) How do employees deal with the 'two card' issue (if so)? Do you pay at the end of both plans doing their part?
3) Do employees/families spend more out of pocket (a hidden higher deductible versus traditional plans) or do they benefit as the employer might benefit (what I call first-dollar coverage)?
4) How do you handle prescription costs or reimbursements (when the medical/Rx deductible is integrated)?
5) Do providers turn their nose or do they just do whatever to get paid (bill two companies plus a potential left over)?
6) How do you get employers to embrace this when it is a lot easier just to pay one bundled vendor versus these other arrangements?
7) Any other tips on these situations? Are these types of setups disappearing (with the new regulations)?Thanks,
Rasheed
http://www.alaskaair.com/content/deals/flights/hawaii-sale.aspx?...Get a Head Start on Your Summer Tan

Hawaii beckons, and for a limited time you can save big on travel to and from the islands. Purchase your tickets by March 15, 2012, for travel from April 17, 2012 through May 16, 2012. Seats are limited and may not be available on all flights on all days, so book now for the best selection of flights. Additional restrictions apply, see below for details.
help with retirement savings questions
Added on : Thursday March 08th 2012 12:21:33 AM
Wish to pick the brains of the more financially savvy folks here. My wife and I are both pharmacists, early to mid 30's, with 1 baby boy. She makes $110K a year, I make $130K. We have $200k in student loans total, plus another $15K in car loan. No other debt, don't own a house (yet). This year is the first time we will be earning full income after residency, and is at where we can't qualify for any of the deductions or tax credits. Awesome...My wife's job offers only traditional 401(k). Mine offers both Traditional and Roth 401(k).We would like to maximize our retirement savings, but we hit 401k contribution at 15% and 13%. We would like to save more (closer to 20%), and optimize if possible.(1) Should I go with Traditional or Roth 401(k)? Pharmacy salary is pretty flat throughout the career, don't expect long term earning power to increase more than 5%/year over all. So it makes sense to go traditional and save on taxes now, but Roth 401(K) will allow me to save more with after tax dollar.(2) is it possible to max out Roth 401(k) and then put more into a Traditional IRA?(3) Is there any advantage to put money into an IRA after maxing out 401(k)? (if I remember right, can't deduct taxes with the traditional IRA if in a 401K, and we can't qualify for Roth due to income) If not, then where should we put extra savings into?Any insight would be appreciated.
macys.com 1 day sale, web busters. mens suits and shoes
Added on : Saturday March 03rd 2012 12:56:07 PM
TextMichael by Michael Kors Suit, Black Solid Special Savings
Reg. $495.00
Was $269.99
Sale $179.99 Web ID: 486781 Coffee's only for closers? Have no fear, when you head to the office with this sleek solid suit from Michael Kors, you'll have no problems sealing the deal.
Wool
Dry clean only
Imported
Jacket: notch lapel, chest pocket, two button front, flap pockets at side, side vents
Pants: flat front, off-seam pockets, buttoned hook closure with zipper fly, buttoned back pockets, unfinished hem
7 inch drop (Subtract 7 inches from your jacket size to determine your pant size)
Macys.com
WEB BUSTER Bostonian Oxfords, Dennison Cap Toe Special Savings
Reg. $100.00
Was $89.99
Sale $69.99
Bostonian Shoes, Akron Cap Toe Blucher Oxfords Special Savings
Reg. $100.00
Was $89.99
Sale $59.99  Alfani Suit, Tan Solid Special Savings
Reg. $495.00
Was $246.99
Sale $179.99  
WEB BUSTER
Perry Ellis Portfolio Outerwear, Hooded Puffer Parka with Faux Fur Trim Orig. $250.00
Was $99.99
Now $69.99  
John Ashford Shirt, Jersey Double Stripe Polo Reg. $29.50
Sale $10.99  
WEB BUSTER
     Van Heusen Shirt, Short Sleeve No Iron Big Plaid Reg. $45.00
Was $34.99
Sale $17.99  
WEB BUSTER
Van Heusen Shirt, Short Sleeved No Iron Stripe Reg. $45.00
Was $34.99
Sale $17.99  
WEB BUSTER
   
Van Heusen Shirt, Short Sleeved CVC No Iron Small Plaid Reg. $45.00
Was $34.99
Sale $17.99  
WEB BUSTER  
John Ashford Shirt, Pocket Pique Polo Shirt Reg. $34.50
Sale $12.99  
WEB BUSTER

(2)    
Perry Ellis Cardigan, Best Of Black V-Neck Cardigan Sweater Orig. $69.50
Was $29.99
Now $19.99  
WEB BUSTER

(1)    
Perry Ellis Sweater, Best Of Black Crew Neck Sweater Orig. $69.50
Was $29.99
Now $19.99  
WEB BUSTER
   Perry Ellis Sweater, Best Of Black Mock Neck Sweater Orig. $69.50
Was $29.99
Now $19.99
I#039;m living next door to Animal House - Need to rent out this property
Added on : Saturday February 25th 2012 06:22:05 PM
This is one for the resident landlords and informed property owners. As far as applicable law is concerned, I live in the state of Florida.My neighbor passed away last summer.Right before Christmas, his college freshman granddaughter moved in after her parents gave her the house. Since then, the house has degenerated into a wretched hive of scum and villainy.Four cars routinely park there; two in the garage, and two in the street. When they're having a party, there are so many cars parked on the street that it becomes a safety hazard. Sometimes the visitors park on the grass, sometimes on my side of the property line.Every time their lawn service comes by, the mower blows a crapload of cigarette butts into my yard.I can't open my windows on at least two of three days now, for the prevailing winds blow a sickening stream of tobacco and weed smoke across the property line into my home. There is somebody there lighting something up every 15 minutes from sunrise until about 2 AM.The parties are freaking loud and extremely disruptive. This isn't one of those generic "I can tell they're playing some kind of music complaints." I can feel my glass vibrate and occasionally I can make out the lyrics.They party at least two nights a week.Despite clear and well-lit house numbers, drunken/stoned idiots occasionally stumble up to my door looking for the party. The idiot residents next door come over to bother me, but it's never about anything normal. They've asked for everything from condoms to Playstation controllers, but never once anything normal like a cup of sugar or a wrench.I've reached the tipping point. I was just enjoying a nice night on my deck, when I look over at the animal house, only to see one of the residents banging a chick in the jacuzzi. Rather than show a normal human emotion, such as embarrassment, the idiot gives me the thumbs up and keeps hammering away.I've asked them nicely on several occasions to be respectful. I'm always told they'll "try to keep it down" when it comes to the noise. When I point out the parking, they blame others, then tell me they'll talk to their guests (who never listen). The excuses for the cigarette litter are even worse. The owner insists it could be anybody's cigarettes, which is laughable. The first time I talked to her about the litter, she was smoking at the time, and tossed her butt into the bushes, completely oblivious to all traces of reality.There is no HOA, but this is a nice neighborhood. Zillow estimates the house's value at just under $400k, but I'm sure their AVM doesn't take into account the current infestation.I've made two noise complaints to the police, both of which have done nothing. I don't expect code enforcement to be any better.Do I have the legal right to have a tow truck haul away cars parked over the property line, or must I take other steps first before having the offending vehicle hooked?I'm really out of options here. The cops don't care about misdemeanor weed, and even if I called them, the response time is so bad that the giggling stoners would already be inside and into their second bag of Doritos before any blue showed up on scene to give them a stern talking to and a minor fine.This is a huge hole in my pocket, as I am planning to put this property on the market as a rental in another three months. No family is going to want to live next to this hellhole.I am not old enough to shake my fist and order them darn kids to get off my lawn.I'm considering adding another camera to my home surveillance system, and pointing it at their back deck. Maybe if I can get a bong or some nookie on tape I can use their guilt/paranoia against them.Is it worth simply bribing them to shut up and keep it down when the house goes on the rental market? I shouldn't have to, but if nothing else works I might have no choice.Do I bring a six pack over, pretend to party, and hope to see something more than weed which the police will care about?What tactics are effective in dealing with these menaces to a future rental?Is a nuisance this bad something which must be disclosed to prospective renters? 
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Update (Feb. 25):Last night was hectic.After calling the tow truck, I called the other neighbors who are sick of the hijinks at Delta House and we all coordinated calls to the police per the instructions I received earlier. I then made a call to my buddy's buddy on the force.The tow truck arrived and hooked the offending vehicle. As I was chatting with the tow truck operator, a screaming psycho chick stumbled out of Delta House and came over to my driveway, screaming to both the tow truck operator and myself to unhook her vehicle. Not surprisingly, she reeked of booze and smoke.Upon coming closer, her belligerent attitude calmed down a bit when she saw I was openly carrying on my property and wearing a vest. She asked if I was a cop.After pleading with me to unhook the vehicle, she went back to Delta House, and came back a minute or so later with the owner. It turns out the parking offender is the 17 year old sister of the head ho in charge next door. Classy.Maybe 10 or 15 minutes after the offending vehicle was hauled away, the police arrived on the scene in two patrol cars.The cops went up to the neighbor's door and some idiot invited them inside.About half an hour later, the police emerged with two men in cuffs, one of whom is a resident next door. I spoke with one of the cops, and it turns out they found weed, mushrooms, ecstasy, and scales, so the offender had to take a ride for that. Another guy had a bench warrant. The rest of them were ticketed for underage drinking. The HHIC was also ticketed for the noise.Results: coordinated complaints work. Establish a history of problems with a particular property, then coordinate simultaneous complaints from the neighborhood when a party gets especially out of hand.I doubt these neighbors will be much trouble going forward, at least for a while.It's a bummer that somebody had to have their life destroyed on felony drug charges, but that isn't my fault. If they would have respected the neighborhood's quiet at night, kept their trash off my property, and exercised a little more courtesy with regard to their cigarette addiction, then none of this would have had to happen.The windows in my office are open and have been open most of the day. Not one single smoker has emerged from the house to foul up my air. Victory is sweet.
Request - Cheap places/things to do in St. Louis, Memphis & Nashville
Added on : Thursday February 23rd 2012 03:00:05 PM
Going with the family (one 9-year-old and one grandmother, so 4 total)to St. Louis during April Spring Break (4/6-15). Hoping to make St. Louis to Memphis to Nashville and back triangle in 8 days. We already have the airline tickets, but being a FatWalleter I'm interested in any special tips for saving some bucks or any hidden attractions one might miss. We'll probably do the standard Arch, Graceland, Lorraine Motel & Grand Ol Opry. The Shiloh Civil War battlefield is something we'll do also and my Mom wants to see the Loretta Lynn Museum (it's on the way from Memphis to Nashville). But we're hoping to squeeze in some more things.As for savings, I'll probably hit restaurant.com for the areas and see if anything is of interest (and passes muster with TripAdvisor, Yelp, etc.), plus I'll sign up for some hotel cards. I'll probably use a Travelocity-type site for the car rental and the lodging, unless you think booking directly is better. We do have AAA, so in a pinch that will work in a lot of circumstances. But is there any other angles I should be investigating.I noticed the NRA convention is in St. Louis for the back-end of our trip so I might need to book the 4/14 stay early. But, in general, should I book hotels early or wait until closer. Same with car rentals for that matter. As you can probably tell, it's been awhile since I've been on a big trip so a tad rusty on these things.Thanks for an advice.
Heads up, OBi110 on Amazon Gold Box today @ 10:00 AM PST
Added on : Tuesday February 21st 2012 09:55:26 AM
Deals starts @10:00 AM PST
In my opinion, I would only consider it a good deal if the price comes closer or less than the OBi100, unless you badly need the extra features found in the OBi110.About 1:00 p.m EST ( 10:00 PST) head over http://www.amazon.com/gp/goldbox/ and check if the price is good enough for you to pull the trigger.Amazon Coupons
The Amazon MP3 Daily Deal for Sunday, February 19, 2012 is: Majors & Minors: Our Songs (Season 1) by the Majors & Minors Cast, for $3.99.
Reviews, track-samples and purchase-link here.Track-list: 1. Closer Michael Woodard 3:50 2. Atmosphere Ashley Nicole Greene 3:19 3. Hourglass Emily Kocontes 3:46 4. Two Roads Kennedy Noel 3:37 5. Don't You Dance Brandon Michael 3:07 6. Just Can't Help Myself Hailey Dibiasi 3:14 7. Case Of The Lala's Sabrina Lentini 2:42 8. Lose It Austin Crute 3:34 9. Always Cameron Defaria 3:2810. Hanging Onto The Moon Josh Metzler 3:5811. This Is Me Grace Jeanette 3:3312. Get Up Nia Holloway 3:22Amazon Coupons
LinkThe site lists it as on backorder, but you can still place an order for it.Cheapest I have seen the bundle lately. In time some better deals will pop up, but they will probably involve rebates, and they may not appear until we get closer to the release of version 11...which could be awhile.B&H Photo & Video Coupons
States AG Mortgage Settlement Details
Added on : Wednesday February 08th 2012 09:26:51 PM
With states on the fence rejoining the deal with the major mortgage lenders, it appears that this settlement may get approved soon.Forgetting the politics and the reality of the settlement being much less than the issues behind it, I want to examine the actual financial results to normal folks, whether it be checks, changes to their mortgage, etc. If someone has a even more comprehensive link to what the deal is, I would appreciate it. I will update with information as it becomes available.So far, here is what I have:If all states participate, $25 billion (with a possible loan mod value of even more).The mortgage companies involved:
-Bank of America (includes Countrywide)
-JP Morgan (includes Chase and WaMu loans)
-Ally (includes GMAC)
-Citigroup
-Wells Fargo (includes Wachovia)-Not about MBS issues, this is primarily about "robo-signing" and other direct underwriting/foreclosure abuses$5 billion paid to troubled borrowers, states, and federal government
-$1.5 billion of the $5 billion is for foreclosed borrowers (750,000 folks in this category)
-Each borrower expected to receive average $1500 to $2000 check for these categoriesOther $20 billion is really aid, not cash for cutting balanced owed for and refinancing those who are current but underwater
-$3 billion of it to lower rates of those who are current, but underwater (I am guessing the cost for the rate buydown and closing fees due to LTV). I have no idea what the criteria is for this one, but it appears these refinances will become loans guaranteed by FHA.
-$17 billion for those who are not current and need loan balances reduced or some other modification.
-Writing down principal for those who are in trouble will be encourage versus short-sale and other options
-Penalties payable in cash to federal government if the banks do not meet their thresholds on this part of the package within two years.RasheedReferences:
http://www.nytimes.com/2012/02/06/business/mortgage-relief-plan-...
http://www.forbes.com/sites/deborahljacobs/2012/02/06/what-the-m...
Closer: Devotions to Draw Couples Together (Free) @ Amazon
Added on : Saturday February 04th 2012 06:31:42 PM
Free Kindle Book - Closer: Devotions to Draw Couples Together
Added on : Saturday February 04th 2012 09:58:52 AM
http://www.amazon.com/gp/product/B002P3K6X6
Samsung HD HMX-U20 1080p (Palmcorder) Camcorder $63 Refurb
Added on : Tuesday January 31st 2012 06:16:47 PM
@Wal-Mart.comFree instore pickup....Decent 1080p camcorder for $63!My Favorites: Takes MicroSD/SDHC cards, and removable battery.http://www.walmart.com/ip/Samsung-3-x-HMXU20BNC/16904143?finding...The Samsung 7.8MP HD Digital Camcorder features 1080p Full HD recording for an excellent picture. The 3x optical zoom allows you to get closer to your subject. Note: Memory card not included. Purchase of a memory card is highly recommended.
Samsung 7.8MP High Def Flash Camcorder, Refurbished:7.8 megapixel image sensor delivers high resolution video with excellent color and precision detail
3x optical zoom gives you professional quality zooming capability
Additional Features:Movie Resolution: 1920 x 1080
Photo Resolution: 7.8 megapixels
Built-in speaker and microphone
One-touch video sharing
Memory Card Specifications:Compatible with microSD/SDHC memory cards
Internal Memory: Limited/No internal memory memory card is required to operate
1 microSD/SDHC Slot
Free Workout Mix
Added on : Monday January 30th 2012 09:05:23 PM
This was linked to awhile back, but it looks like it is being offered again by Subway and The Biggest Loser. Follow the link to get 6 free songs in a workout mix.http://subway.workoutmusic.com/Enjoy!
This was linked to awhile back, but it looks like it is being offered again by Subway and The Biggest Loser. Follow the link to get 6 free songs in a workout mix, including Cee Lo Green, Nelly, Black Eyed Peas, Ke$ha, Usher, and Rihanna.http://subway.workoutmusic.com/Enjoy!
Office Max
Expo Products- http://www.officemax.com/brands/expo/expo-dry-wet-erase-markers?...
Prices start at $2.49$4.58 in MaxPerks rewards on - -$4.59 EXPO DRY ERASE PEN-STYLE MARKERS, 4 ASSORTED MARKERS
http://www.officemax.com/brands/expo/expo-dry-wet-erase-markers/...
$4.59 Expo Chisel Tip Dry Erase Markers, 4 Assorted Markers- http://www.officemax.com/brands/expo/expo-dry-wet-erase-markers/...
---------
Buy 3 Select Expo Products and Receive Free
EXPO BIGGEST LOSER EXERCISE SCHEDULE & GOAL PLANNER MAGNETIC DRY ERASE WHITE BOARD
When you Enter Promo Code: FREEBIGBOARD (Offer Valid 01/22-02/04 Midnight CDT)
Sells for $28.99
Features
18" x 24" board has a metal frame for added durability
Lets you design, organize and track your workout week
Hangs on your wall to keep you motivated each day
Erases cleanly and easily with a dry cloth
Includes 1 Expo original fine tip dry erase marker
http://www.officemax.com/brands/expo/expo-boards/product-prod329...
Buy 2 Select Expos Products and Receive a Biggest Loser Daily Meal Planner Expo Board Free When you Enter Promo Code: FREELITTLEBOARD (Offer Valid 01/22-02/04 Midnight CDT)
Sells for $13.99
Features
8-1/2" x 11" board has a metal frame for added durability
Easy to use for daily meal planning
Convenient to keep on your refrigerator or kitchen counter
Erases cleanly and easily with a dry cloth
Includes 1 Expo original fine tip dry erase marker
http://www.officemax.com/brands/expo/expo-boards/product-prod329...
Barclays Bank lowers my available credit after doing app-o-rama!
Added on : Thursday January 19th 2012 12:19:39 AM
Some key background information: I was discharged in a Chapter 7 bankruptcy about 18 months ago (with Barclays Bank being a defaulted creditor to the tune of about $14K, and a total default of $140K.) Up until the app-o-rama, I had a score of about 635.A month ago, I applied for an received a credit card from Barclays Bank ($1900 available.) Wanting to take advantage of the clean hard credit pull history, I then applied for about 25 other cards, of which I got approved for 3 (Discover, for $1K, and 2 dinky store only cards.) I recently got rejected for a HELOC, with the reason given that I did not have enough open credit lines (I was told to wait until I was 4 years post discharge, and have 4-6 open lines of credit.) The one constant reason I got for being rejected by all of those other accounts is the bankrupcty ... which is understandable - I have a history of being a deadbeat.So now I come to find out that Barclays Bank has unilaterally lowered my available credit to $1000! How dare they! That $1000 is so low, I can't even buy a transatlantic airline ticket (they have been running about $1200 round trip for the pair of cities I use.) Evidently the reason is because I have too many open credit accounts and too many inquiries.I guess because I am a "loser" when it comes to credit, can I expect to be mistreated by any of my creditors at any time, and with no advance notice, even if I've done nothing wrong? I can understand it if I miss a payment with that account, or even with any other account, but how can my desire to get other credit be considered bad? What should my MO be going forward?
A friend and I were chatting it up yesterday. We came up to discussing the economy and how much it would take in this day in time to live comfortably with very little physical effort for the rest of your life. My friend claims that given as little as $300,000, He could live off it fairly comfortable, between investments and annuities without touching hardly any of the original $300,000. I think he is full of it and it would take closer to a million to accomplish that in this age. We defined comfortable as $3000 a month in expenses.So I pose this hypothetical question. If someone were to walk up to you today and offer to give just you enough money so that you didn't HAVE to work anymore, How much would you ask for?
TCF BANK Mailer (YMMV)- 150 for New Checking Accounts - No Direct deposit
Added on : Saturday January 07th 2012 06:17:24 PM
I found a flyer offering 150 dollar for a new checking account. It was mailed to an old address in my building. It says coupon is required but I don't see a code or anything.Requirements:
15 transactions in 60 days, minimum 25 dollars to open the account.There IS an account fee of 9.95 a month if you do not make 15 debit card purchases per month or have 10k minimum.I can't find any information on account closer fees or length of time the account has to be open, does anyone have experience with them? Depending on this I may pull the trigger, seems like a good deal.
United Economy Plus Seating from IAD-FRA, and FRA-ORD
Added on : Thursday January 05th 2012 12:00:15 PM
I"m on the fence and trying to figure out if the $99 per passenger is worth the upgrade from economy to Economy plus.This is for my family of 4 and would cost us an additional $396 each way to/from Frankfurt.This is on UA 777.Does the cost decrease as the trip gets closer is it set? Is it worth $99 pp? Should I wait to see if it goes down in price? We leave 3/29/12.TIA-HDG
keep or cancel my credit cards???
Added on : Sunday January 01st 2012 03:09:42 PM
keep or cancel my credit cards???
Wondering what I should do when the annual fees that were waived start to kick in on the credit cards I got when points were a lot loser.
Got the AMEX on the 2yr/ 50k deal which was changed to 1 yr/ 75k, I like it, but not the $75 or $85 they want for an annual fee.
Also got in on the 100k chase sapphire preferred, nice, but again not worth $85.
Not sure what to do, should I cancel and hope to get on the next big point offering - how long to I have to be away - 6 months, 1 year or 18 months before I qualify again for a first time offer or do you never get eligible again?
Or should I contact them to see if they will grant me another year free or go to a lower grade card to keep the account open?
I have enough cards so I really would not miss these 2.
I also have the Chase Marriott Rewards Premier Visa that I plan to cancel right before my year is up and the citi American Airlines advantage that I plan to do the same. From what I understand, my points will still be good and i will not lose them if I go almost the whole year without an early cancelation. True?
I may get the priority club renewed since the $45? is not bad to get a free night stay.
Any suggestions or errors in my thinking?
ps - i don't care that the cancelation might lower my credit score.
Amazon 12/30 MP3 album Daily Deal: "Cars 2" by Various, $3.99
Added on : Friday December 30th 2011 09:46:34 AM
The Amazon MP3 Daily Deal for Friday, December 30, 2011 is: Cars 2, by Various, for $3.99.
Reviews, track-samples and purchase-link here.Track-list: 1. You Might Think Weezer 3:07 2. Collision Of Worlds Robbie Williams 3:36 3. Mon Coeur Fait Vroum (My Heart Goes Vroom) Bnabar 2:49 4. Nobody's Fool Brad Paisley 4:17 5. Polyrhythm Perfume 4:09 6. Turbo Transmission Michael Giacchino 0:52 7. It's Finn McMissile! Michael Giacchino 5:54 8. Mater The Waiter Michael Giacchino 0:43 9. Radiator Reunion Michael Giacchino 1:3910. Cranking Up The Heat Michael Giacchino 1:5911. Towkyo Takeout Michael Giacchino 5:4012. Tarmac The Magnificent Michael Giacchino 2:3913. Whose Engine Is This? Michael Giacchino 1:2114. History's Biggest Loser Cars Michael Giacchino 2:2615. Mater Of Disguise Michael Giacchino 0:4816. Porto Corsa Michael Giacchino 2:5517. The Lemon Pledge Michael Giacchino 2:1318. Mater's Getaway Michael Giacchino 0:5819. Mater Warns McQueen Michael Giacchino 1:3120. Going To The Backup Plan Michael Giacchino 2:2521. Mater's The Bomb Michael Giacchino 3:1722. Blunder And Lightning Michael Giacchino 2:1723. The Other Shoot Michael Giacchino 1:0324. Axelrod Exposed Michael Giacchino 2:2225. The Radiator Springs Gran Prix Michael Giacchino 1:3026. The Turbomater Michael Giacchino 0:50
5 Free Holiday Tracks from 11 Acorn Lane
Added on : Monday December 26th 2011 12:24:10 AM
Here: http://11acornlane.com/posts/happy-holy-days-2011Requires E-mail address to get the download link.The actual download box is closer to the bottom of the page, you can also stream them to see if you like them first.Track list:Deck The Halls
Mazinka
Auld Lang Syne
Happy As Can Be
Live It UpThey're quite good.
Amazon Blow Out Sale 50 Blue Ray Movies Under $10 each
Added on : Thursday December 22nd 2011 03:47:00 PM
Below are 50 Blurays currently on sale for less than $10 each. All of these are and are all eligible for free shipping for Prime Members. Enjoy!! The Matrix $5.49 (Prime Shipping Available) The Matrix
Goodfellas $5.49 (Prime Shipping Available) Goodfellas
Friday $5.99 (Prime Shipping Available) Friday
The Gamera Trilogy $6.49 (Prime Shipping Available) The Gamera Trilogy
Menace II Society $6.99 (Prime Shipping Available) Menace II Society
The Lord of the Rings: The Two Towers $7.49 (Prime Shipping Available) The Lord of the Rings: The Two Towers
The Lord of the Rings: The Return of the King $7.99 (Prime Shipping Available) The Lord of the Rings: The Return of the King
The Lord of the Rings: The Fellowship of the Ring $7.99 (Prime Shipping Available) The Lord of the Rings: The Fellowship of the Ring
Blazing Saddles $7.99 (Prime Shipping Available) Blazing Saddles
Watchmen $7.99 (Prime Shipping Available) Watchmen
Ghostbusters $7.99 (Prime Shipping Available) Ghostbusters
Inception (Two Disk Edition) $7.99 (Prime Shipping Available) Inception (Two Disk Edition)
The Dark Knight $7.99 (Prime Shipping Available) The Dark Knight
Troy $7.99 (Prime Shipping Available) Troy
V for Vendetta $7.99 (Prime Shipping Available) V for Vendetta
Batman Begins $7.99 (Prime Shipping Available) Batman Begins
The Last Samurai $7.99 (Prime Shipping Available) The Last Samurai
No Country For Old Men $7.99 (Prime Shipping Available) No Country For Old Men
Dark City $7.99 (Prime Shipping Available) Dark City
Caddyshack $7.99 (Prime Shipping Available) Caddyshack
The Transporter $7.99 (Prime Shipping Available) The Transporter
American History X AND A History of Violence $7.99 (Prime Shipping Available) American History X AND A History of Violence
The Wizard of Oz (70th Anniversary Edition) $8.49 (Prime Shipping Available) The Wizard of Oz (70th Anniversary Edition)
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Sherlock Holmes $8.49 (Prime Shipping Available) Sherlock Holmes
Harry Potter and the Half-Blood Prince $8.49 (Prime Shipping Available) Harry Potter and the Half-Blood Prince
Training Day $8.49 (Prime Shipping Available) Training Day
Forgetting Sarah Marshall $8.49 (Prime Shipping Available) Forgetting Sarah Marshall
The Blind Side $8.99 (Prime Shipping Available) The Blind Side
Harold & Kumar Go to White Castle (Extreme Unrated) $8.99 (Prime Shipping Available) Harold & Kumar Go to White Castle (Extreme Unrated)
Twister $8.99 (Prime Shipping Available) Twister
Terminator Salvation $8.99 (Prime Shipping Available) Terminator Salvation
The Goonies $9.49 (Prime Shipping Available) The Goonies
Law Abiding Citizen $9.49 (Prime Shipping Available) Law Abiding Citizen
Goldfinger 007 $9.49 (Prime Shipping Available) Goldfinger
Face/Off $9.49 (Prime Shipping Available) Face/Off
The Bucket List $9.49 (Prime Shipping Available) The Bucket List
Harry Potter and the Deathly Hallows, Part 1 $9.99 (Prime Shipping Available) Harry Potter and the Deathly Hallows, Part 1
Harry Potter and the Order of the Phoenix $9.99 (Prime Shipping Available) Harry Potter and the Order of the Phoenix
The English Patient $9.99 (Prime Shipping Available) The English Patient
Clash of the Titans $9.99 (Prime Shipping Available) Clash of the Titans
You've Got Mail $9.99 (Prime Shipping Available) You've Got Mail
Gone in 60 Seconds $9.99 (Prime Shipping Available) Gone in 60 Seconds
Mission Impossible III $9.99 (Prime Shipping Available) Mission Impossible III
Green Lantern: Emerald Knights $9.99 (Prime Shipping Available) Green Lantern: Emerald Knights
Red Riding Hood $9.99 (Prime Shipping Available) Red Riding Hood
10 Things I Hate About You (10th Anniversary Edition) $9.99 (Prime Shipping Available) 10 Things I Hate About You (10th Anniversary Edition)
National Lampoon's Vacation $9.99 (Prime Shipping Available) National Lampoon's Vacation

PRE-ORDER:
The Piano $9.99 (Prime Shipping Available) Available January 31st, 2012 The Piano
Frida $9.99 (Prime Shipping Available) Available January 31st, 2012 Frida
Need advice to determine best job option
Added on : Sunday December 18th 2011 06:15:00 PM
I have decided to leave my current position due to various reasons, and I have two options:
1) Stay with current employer and relocate to a mid-sized city with under-developed and ghetto feel but slightly lower cost of living.
2) Accept offer with new employer and stay at current location, which is a nice sized metro with better schools and plenty of ammenities for the family.Salary compensation is about the same for both; however, my current company offers 8 more days of vacation per year. The new employer does offer better/cheaper health benefits and OT pay. It is also a global company with international presence; therefore, I could transfer within the company after a few years and move closer to the ocean. If I choose to relocate with the current employer, all costs associated with moving, including closing costs for the sale of my house, will be covered. Our current financial situation is as follows:
Combined HHI: ~$185K (SO is employed at the ghetto city already but uncertain of job security)
~$100K in liquid asset + 401k + pension
No debt except mortgage: owe $340k on $475k house. If I take the new job and not relocate:
1. SO will quit his job and return home to attend grad school.
2. HHI will drop to $120K - $130K.
3. Refinance existing home with lower interest rates
4. Buy our first rental property using part of the liquid asset. SO should have time to fix/manage it.If I stay with the same company and relocate:
1. Buy a smaller house for $200k while we wait to sell our current home
2. Kids will likely be in private school as public schools are mediocre, and that will incur additional costs.
3. Once the house is sold, we will purchase a nicer home for $350K - $400K and rent out #1
4. We will continue to save while SO is employed. If SO looses his job, he will likely stay unemployed for awhile due to poor job market in his field. Thus, he will likely go for a Master's degree, dropping our HHI to $120K - $130K.Any feedback will be greatly appreciated!
Requesting FWF Healthcheck - Want to buy house, lots of debt
Added on : Saturday December 17th 2011 06:12:04 PM
Hey FWF, made a new account for this one just so that random internet searches can't start putting 2+2 together to get dirt.My situation: Recently took first job out of school, moved to very expensive area of country and renting apt. Have ~150k in student loans on Income Based Repayment. Considering buying a house in less expensive area closer to home and wanted to get feedback. Job is work from home with 6-10 days/mo of travel so where I live in country doesn't really matter.Living Situation Current & Potential:
Current: 900/mo all inclusive for half of a small 2 BR apt I share.
Potential: Buying ~1500-2000 sqft house for 150k in cheaper area of country closer to friends and family where housing prices have been crushed and have leveled off down ~70% since 2005. This situation with PMI & other taxes/utilities/closing costs/etc amortized would cost around 700/mo.Financial/income info:
Debt: 150k SL debt w/ locked payments @ max of 15ish% of income @ 7% WACC
Income: ~90k/year, job is steady w/ good company and will increase as I get promoted in the ranks over next few years.
Savings: Roth is being maxed, 401k is being maxed to match limit. ~10k liquid savings.Current Monthly Cashflow:
+4500/mo take home pay
-900 rent & utilities
-500 food & entertainment & toys
-1100 debt maintenanceRight now Im stashing around 2k/mo for a potential downpayment in ~6-9 mo.Credit/Qualifications:
DTI is within range to qualify for both 80% LTV 30 yr fixed & also FHA
Credit is ~780 with no major dings other than being young and carrying balances too high over past couple years.--------------------------------------------------------------------------Bottom line I guess is Im asking if buying a house is a workable plan or if Im nuts to think about it with that much loan debt & lack of savings? Any other general comments also appreciated about financial health or tips.Thanks!
ONKYO TX-NR509 5.1-Channel Network A/V Receiver $199 at Newegg
Added on : Saturday December 17th 2011 09:31:19 AM
LINKThe Camelizer shows a low price of $350
Affordability meets functionality; Onkyos TX-NR509 takes you one step closer to fully integrated home entertainment with its audio network capability. Now you can kick back on the sofa, play audio files on your computer or stream internet radio, and enjoy the fidelity far beyond what youre used to on a PC! Set-up is simple, thanks to a suite of Audyssey technologies - 2EQ, Dynamic Volume and Dynamic EQ for room correction and speaker calibration. And for ease of use, a user-friendly overlaid on-screen display enables in-session adjustments to audio and video settings. Whats more, Onkyos free Remote App lets you use your iPod/ iPhone to control the receiver.  The TX-NR509 features four HDMI inputs with Full HD 3D video compatibility and Audio Return Channel, plus a front-panel USB port for direct digital connection to both iPod/iPhone and USB storage devices. All in all, the TX-NR509 offers a superb feature set and superb audio processing for the value conscious home theater fan.
Amazon has the Philips Norelco Qc5530/40 Do-It-Yourself Cordless Hair Clipper for $15.49 after a $10.00 instant coupon. As usual free shipping with Prime membership or pad your order to get over $25.Click the button labeled "Clip this coupon" to activate the coupon.
LinkThe coupon is good for $10 off a number of Norelco Hair clippers but it can only be used once per account.
The link below shows the complete list:
TextJust be careful not to be confused by the different models of the Qc55xx clippers. The Qc5510/65 has no battery so it must be plugged in at all times in order to function.The Qc5530/40 does everything the Qc5510 does but it's cordlessThe Qc5550/40 is cordless like the Qc5530 but cuts just a little bit closer and it comes with an extra attachment for shaving your dome completely bald
89% Off MSRP - $17.95 with Free UPS or FedEx Shipping - Originally $170LINKThe L355 desk light by Luxo is a versatile lighting system that adapts to your work environment. Adjust the 34-inch arm up, down or angle it closer to your work. You can even adjust the light shade to direct the light and minimize glare. The compact fluorescent bulb has an electronic ballast that reduces energy consumption and eliminates flicker.Features:
Matte Black finish
18-watt compact fluorescent bulb included
34-inch friction-style arm
Full-length reflector distributes light evenly
Comes with an edge clamp mount
Fully assembledSpecifications:
SKU #: DL00779
Manufacturer #: L355MB
Brand: Luxo
PS Series Collection
Dimensions: 34"H
Weight: 3 lbs.Delivery:
Free Delivery
Ships by UPS or FedEx Ground in 1 carton.
Allow 2-4 weeks for delivery. Your order will be shipped via UPS or FedEx and delivered inside your building.
Marin Point Reyes 2010 model bicycle @ REI Outlet, 15, 17, 19, 20.5 inch frame sizes. Note that this is the 26er not the 29er model.
Link to REI Outlet item Not sure what the street price for this one was, but the 29er model had a street price of $1000 to $1050. Discount is around 35-40% probably.Marin Bikes product pageNot valid for REI member refund, but REI credit card holders get 5% Cash Back if that card is used. Don't forget FW CashBack of 4%. Total potential Cash Back is $54. Very sweet price for mid-range bike for town and some cross country. Drivetrain is all Shimano Deore except Sram Trvativ 5 cranks. My guess is that that Deore would cost more for the crank and external BB. Hubs are double sealed FSA, I think near Deore quality. Pentagonal security skewers are included. Brakes I'm not so thrilled about but work fine. It does require 5mm Allen to adjust the inner brake pad.Tires are 1.4" or about 35mm and slick -- should be pretty quick on the street but not so good off-road. I have taken a bike with 32mm slicks on hard pack trails before just fine. Changing the tires out for 2" knobbies should give you a decent rigid cross-country bike. It is geared taller than mountain bikes due to larger chainrings so it will go faster which works fine in the city. Fork is rigid carbon which soaks up some of the road vibration and should be ok for some off-roading if the occasion arises. I have rode the 29er version only -- very zippy bike for city use. The "29er" version has 1.6 tires (700x42) instead of 1.4 inch on the 26er model. Off the line, the 26er should be quicker than the 29er due to lower rotational inertia of the smaller wheel and possibly due to lower gearing since both use the same size chainrings and cassettes. The geometry on the 29er is similar to a mountain bike so it's more upright than road bikes; I don't suspect that the 26er is any different. This is a hybrid bike, but it is much closer to a mountain bike than a road bike.
12' Trampoline w/saftey encloser and Free Shipping for $178.59 at Sears
Added on : Monday December 12th 2011 12:43:29 AM
Sears - $189.99
Fatwallet 6% Cash Back - $11.40
Total - $178.59 (plus tax)use code: REALJOY for free shipping
Don't forget to use the 6% Cash Back from Fatwallet!!Product Description
12 ft. Trampoline with safety enclosure. Padded poles and fine net mesh provide maximum safety. Rust-resistant frame. Ages 5 years and up.Bring bouncing fun and safety to the backyard with the Variflex 12' Spring Trampoline with Enclosure.
Certified by an independent laboratory to meet all ASTM safety requirements
Patented zippered arch entrance deliver added safety and security
6 Padded enclosure poles and mesh netting fully enclose jumping area
Rust-resistant, galvanized steel frame and legs
6 "W" shaped legs and Triple-wall "T" joint design provide maximum strength and enhanced stability
Setup Product Dimensions - 12' Diameter x 8.8'H
Assembly requiredLink
What to do to protect from (soon to be) ex paying off car loan
Added on : Monday December 05th 2011 06:23:15 PM
A friend is going through a divorce. They were married about 6 months before filing for divorce. The guy was a loser but someone suckered her in. He moved in with her, he had been living with his parents even though he makes about $70k, maybe a little more. He had terrible credit and no credit cards so she put him on hers and he used it for everything. That was with her permission, the "agreement" was that she would pay all household expenses and they would use his account with all his salary as their savings account. Of course, he never put her name on the account and always made excuses for that. Anyways, water under the bridge. In the end, she paid for everything, he was cheating on her from the very beginning, shacked up with someone else and using work as an excuse to be gone 4 or 5 nights a week. He also talked her into letting him get a new truck Chevy 3500 pickup which she also put a lot of additional money into for "upgrades". The truck was in her name alone, both the title and loan. When the s&@t hit the fan and they separated, she wanted to take the truck and sell it but I guess there are laws that prevent that, originally intended to prevent a husband from taking the transportation away from a non-working wife, but they somehow protect him even though he has a good paying job. So they had a separation agreement that says that he has to make the truck payments to keep using it, and the disposition of the truck was to be settled later. The first payment for the truck under the agreement came up 2 weeks ago and he didn't pay it, so she paid it to protect her credit. Her worthless lawyer is supposed to be filing something to let her take possession of the truck, but 2 weeks later he hasn't done squat and never gets back to her. He had wanted to get a loan in his name to take over the truck, the problem is that the truck is worth more than the loan value and she wanted to sell it to recoup some cash - she didn't want to give him the truck for the loan value. He was welcome to pay her fair market value but he wasn't interested in that. Today she got a notification from the bank that the loan has been paid off. Well, she holds the title (this is Wisconsin, so the owner not the bank holds the title) and presumably owns the truck outright since he was generous enough to pay it off. Except it isn't so cut and dry because:1) Her bank had been instructed not to give payoff information to anyone besides her but apparently did anyways.
2) She is worried that he may have gotten a duplicate title and forged her signature but doesn't know how to find out if that happened.
3) She is worried that the judge will say that since the truck is paid off she should just give it to him - the path of least resistance.She can't get in touch with her lawyer, as per usual, so she isn't sure what to do. She is trying to find out from her bank who paid off the loan (the new bank), and is trying to find out from the DMV if another title was issued. Is there anything else that she should be doing to protect herself from this creep? I've suggested that she is the owner of the truck and should just repossess it and sell it in one swoop and deal with the consequences during the divorce proceedings, but I'm not sure what those consequences are and her lawyer hasn't responded when she asked. It doesn't seem like it would be a criminal offense, but maybe I'm wrong. I'm kind of hoping that he forged her signature on something and ends up in jail, he is enough of a dumbass that he would. Any ideas? And sorry, I don't have any pics.
FYI $200 to open Chase Total Checking (targeted, expiry 12/12/11)
Added on : Sunday December 04th 2011 09:09:20 PM
Not sure if anyone has seen this mailers before (the ones distributed at my building were always $125). I was visiting a luxury condo complex, and picked up one of these, discarded by receipient near mail-box isle: $200 with no Direct Deposit/any other requirement! Exactly like the cheaper ones, it has a unique coupon code, so can only be used for one opening. Curiously, it has much closer expiry date of 12/12/2011 than all the smaller ones in other buildings that expire 1/9/2012
Polar Express Lionel O gauge train set - $198 shipped
Added on : Thursday December 01st 2011 09:42:31 PM
The cheapest you can usually find this is $250 and most place sell it for closer to $300. Really good deal for an heirloom train set.link
citibank promo - set up auto transfer for $25 or more and get $10
Added on : Thursday December 01st 2011 01:12:18 PM
got this promo via email from citibank.not sure if this is targeted or not, but worth a shot for free money. just log in and set up the transfer._________Set up Auto Save for an automatic way to meet your savings goals.Youve got enough to think about. Why not put your savings on autopilot? With Auto Save, you can create a customized savings plan that automatically transfers money into your savings
account so you can save as much as you want, as often as
you want. Not only is it free, but for a limited time, well give you $10 just for making an Auto Save transfer of $25 or more.*
An automatic savings plan can bring you closer to meeting your financial objectives, such as:
Starting up a college fund
Home renovations
Building savings for a rainy day
Las Vegas Hotels Cyber Monday Deals
Added on : Monday November 28th 2011 09:00:05 PM
This is for all the Las Vegas lovers Cyber Monday deals for all the properties I could find.Caesars Entertainment Cyber Monday Deals3 Day Sale for bookings till April 29th, 2012These deals may say 20% off, but they're closer to 30-40% off!Starting prices:Planet Hollywood - $37.76/nightParis - $51.2/nightImperial Palace - $16/nightHarrah's - $22.4/nightFlamingo - $20.48/nightCaesars Palace - $63.36/nightBallys' - $28.8/night  Tropicana Cyber Monday Deal3 Day Sale for bookings till March 31st, 2012Starting from $45/night + 2 Show tickets to Recycled Percussion Palms Cyber Monday Deal1 Day Sale for bookings till October 31st, 2012Starting from $45/nightIt's Cyber Monday! Book this special offer now with rooms from $55 plus these great inclusions: MGM Grand Cyber Monday Deal3 Day Sale for bookings till September 30th, 2012Starting from $55/night with free suite upgrade Vdara Cyber Monday Deal5 Day Sale for bookings till January 7th, 2012Starting from $89/night with free upgrade and $50 resort credits Bellagio Cyber Monday DealStarting from $119.20/night with free upgrade on select dates
Credit/Debit - Pending Authorizations Availability
Added on : Saturday November 26th 2011 06:07:30 AM
This seems to be rather mainstream now where it was a novelty just a few years ago.Since the previous thread is now archived, I thought I would update as Discover just recently added Pending Authorizations to the website.http://www.fullofdeals.com/forums/finance/1069077/Now, there are only just a handful of major card issuers who do not offer it.In this age of real-time alerting and fraud detection, I have found it interesting even if not necessarily useful until the transaction posts (for legitimate transactions that is). It does definitely help us get closer to more 'real-time' budgeting in some of the PFM options out there.I will be putting in the Quick Summary notes about which major issuers still have not gone this route.Rasheed
I'm not a big Kodak camera fan, but for $38.99 it would be hard to go wrong with this. It's refurbished and would make a great camera for most people. Plus you'll get some FW Cash Back.http://www.ecost.com/p/Kodak-Digital-Cameras/product~dpno~886669...Kodak EasyShare C182


A big, beautiful display is now
incredibly affordable.
12 MP for prints up to 30 40 in. (76 102 cm) 3X optical zoom 3 in. (7.6 cm) LCD Smart Capture feature Face detection Blur reduction







Exceptional quality prints with 12 MP12 MP means you can make stunning prints up to 30 40 in. (76 102 cm)More megapixels means you can crop and enlarge and still have great picture qualityHowever you choose to print -- at home, at retail, or online -- trust Kodak for picture quality thats truly exceptional and for memories that will last



3X optical zoom lens3X optical zoom (35 mm equivalent: 3296 mm) gets you closer to your subjects without reducing image qualityThe KODAK AF Optical Zoom Lens captures crisp detailsZoom in close and capture long-distance shots





True HD quality: Capture pictures in brilliant detail
HD picture capture
Take stunning HD pictures in 16:9 format
View your pictures in high definition on an HDTV or other HD devices*KODAK Theatre HD Player (optional device) Finally, something everyone will want to watch.
Enjoy your new pictures and videos on your HDTV instantly, right from your cameras memory card
Access pictures from your PC, camera, and online photo sharing sites, wirelessly
Wirelessly send and receive pictures with Kodaks Picture Mail feature
Create slideshows to your favorite songs
Experience YouTube like never before -- videos are brilliantly displayed on your HDTV
Access Internet radio, podcasts and other web content on your HDTV



Takes great pictures, makes them even betterWhen the perfect picture taking opportunity arises, well make sure youre ready -- with features like Smart Capture, blur reduction, face detection, and many others. And after you take the shot, do even more. Turn your pictures into an on-camera slideshow.



Kodak's Smart Capture featureBecome a better photographer with a smarter camera. Kodaks innovative Smart Capture feature automatically identifies the scene and adjusts camera settings for a great picture in just about any environment.
Intelligent scene detection -- detects and analyzes scene conditions Intelligent capture control -- automatically sets camera settings including exposure, focus and ISO for clear, sharp pictures even in low light and challenging situations Intelligent image processing -- reduces noise and clears up dark shadows for vibrant, crisp details and true-to-life colors




Face detectionCatch those great smiles -- face detection locates faces and automatically adjusts camera settings for great shots of friends and family.
Blur reduction Reduce blur caused by camera shake, subject movement, or fast-action situationsThe camera automatically minimizes the effects of camera shake to deliver clearer, sharper pictures
Indoor/outdoor color displayView your pictures with brilliance and clarity on the 3 in. (7.6 cm) color display. Shoot video with ease Record life in motion with continuous VGA video featuring audio capture and playback and on-camera editingEnjoy video print options including 1 or 9-up prints, plus view and share single framesScene and color modes
Get great shots time after time with multiple scene modes, including auto, sport, portrait, snow, fireworks, and backlightHave fun with 3 different color modes: color, black & white, and sepiaOn-camera slideshowRelive your memories with the on-camera slideshow feature.
High ISOCapture all the details in low light conditions and fast action situations with high ISO (up to 1000).Picture enhancing and editing features Achieve your perfect shot with on-camera features such as cropping, undo-delete, picture rotation, and self-timerNever forget the details of your pictures with on-camera text tagging and multi-field search





The simple way to share The C182 is part of the KODAK EASYSHARE System, so sharing your pictures is
amazingly simple. Just press Share.  One button upload via Share button Sharing starts right on the back of the camera Upload and share your favorite pictures and videos to YouTube and Kodak Gallery via the Share button and KODAK EASYSHARE SoftwareKODAK EASYSHARE Software (included)The simplest way to organize, edit, create, and share.  Organize your pictures with your own tags and star ratings then use the search feature to quickly find any picture in your collection Edit your pictures with ease -- select from a variety of simple tools that reduce red-eye, improve lighting, remove wrinkles and blemishes, and add text Create personalized photo projects online or at home -- choose from hundreds of templates and designs to create photobooks, cards, invitations, and much more Share your pictures and videos with family and friends at the Kodak Gallery or YouTube
Kinect xbox games $19.99 @BJs Wholesale club BM. Limited okay titles
Added on : Thursday November 24th 2011 09:18:23 PM
I was at BJ's Wholesale Club and saw they had a skid of Kinect titles for $19.99.
Titles include:
Biggest Loser
Game Party In Motion
Brunswick Pro Bowling
Deca Sports
Sonic Free Riders
Fantastic Pets
Virtual Tennis 4
Dance Master
+ one more that I don't remember.
Amazon Black Friday 2011 Video Game Deals And Accessories List
Added on : Wednesday November 23rd 2011 06:25:14 PM
Amazon Black Friday 2011 Video Game Deals And Accessories ListCredit to CheapyD at CAG for list. Also credit to MentaYP who originally posted the link to CAG in his post. I am reposting the data in new thread so users of Fatwallet do not have to go to the CAG site to see the list. Mods- If inappropriate please close thread or merge with MentaYP's thread.ThanksLightning Deals - Black Friday (times tbd)Active Life Outdoor Challenge 17.99
Active Life: Magical Carnival with Mat 34.99
Assassin's Creed II $9.99
Assassin's Creed Revelations $34.99
Assassin's Creed Revelations $34.99
Batman: Arkham City $28.00
Battlefield 3 $28.00
Borderlands Game of the Year $19.99
Bulletstorm $17.99
Call of Duty: World at War $7.99
Child Of Eden $19.99
Dance Central 2 $24.99
Deus Ex: Human Revolution $29.99
Dirt 3 $14.99
Disney Universe $29.99/$27
Driver San Francisco $19.99
Ear Force X12 Gaming Headset and Amplified Stereo Sound 39.99
Earth Defense Force: Insect Armageddon 19.99
Enslaved: Odyssey To The West $9.99
FIFA Soccer 12 $28.00
Final Fantasy XIII $14.99
Final Fantasy XIII $14.99
Forza Motorsport 4 $27.00
G155-Gaming and Entertainment Mobile System (Xbox 360/ PS3 Not included) 199.99
Game Party $5.00
Gears of War 3 $28.00
Gears of War Triple Pack $7.99
Go Vacation $14.99
God of War III $14.99
God of War: Collection $14.99
Grand Theft Auto IV $9.99
Heavy Rain - Greatest Hits $14.99
inFAMOUS $14.99
inFAMOUS 2 $28.00
Just Dance 3 $24.99
Killzone 2 $14.99
Killzone 3 $28.00
Kinect Sports Season Two $24.99
LEGO Batman $9.99
LEGO Battles Ninjago $9.99
LEGO Harry Potter: Years 1-4 $9.99
LittleBigPlanet - Game of the Year Edition Playstation 3 $14.99
Mad Catz Mad Catz Tritton AX 720 Dolby Digital Surround Sound 90.99
Madden NFL 12 $28.00
Madden NFL Football 3DS $14.99
ModNation Racers $14.99
MotorStorm $14.99
MotorStorm Pacific Rift $14.99
MX vs ATV Alive $15.00
Pac-Man Party $7.99
Rabbids: Alive & Kicking $24.99
Ratchet & Clank Future: A Crack In Time $14.99
Ratchet & Clank Future: Tools of Destruction $14.99
Rayman 3D $14.99
Rayman Origins $39.99/$29.99
Resistance 2 $14.99
Resistance: Fall Of Man $14.99
Rio $15.00
Rocksmith $49.99
Scribblenauts $7.99
Smart Girls: Playhouse 9.99
SOCOM: US Navy Seals Confrontation Stand Alone $14.99
Spider-Man: Shattered Dimensions $14.99
Split / Second $9.99
Spongebob Squigglepants $15.00
The Biggest Loser Ultimate Workout $19.99
The Sims 3: Pets $24.99
Toy Story 3 $7.99
Transformers: War for Cybertron $14.99
UFC Personal Trainer $24.99
UNCHARTED 2: Among Thieves - Game of The Year Edition $14.99
Uncharted: Drake's Fortune $14.99
Warhawk (No Headset) $14.99
White Knight Chronicles II 37.99
Wipeout In the Zone $24.99
WWE All Stars $19.99
Xbox 360 4GB Console $139.99
Xbox 360 4GB Console with Kinect + 50 Promotional Credit $199.99
Xbox 360 Kinect TV Mount $17.42
Xbox 360 Wireless Controller - Glossy Black $29.99
Xbox LIVE 3 Month Gold Membership $7.99 All Day - Black Friday
4GB Console with Kinect $199.99
Xbox LIVE 3 Month Gold Membership $12.99
Black Friday 2011 Bundle: LittleBigPlanet 2 Special Edition and Ratchet & Clank: All 4 One $199.99
PlayStation Portable 3000 Core Pack System - Piano Black $99.99Ace Combat Assault Horizon $31.99
Assassin's Creed: Brotherhood $24.99
Bakugan: Rise of the Resistance $14.99
Batman: Arkham City $47.00
Battlefield 3 $39.99
Ben 10 Galactic Racing (PS3 $27.99, 360 $24, 3DS $27.99, Wii/DS $19.99)
Big League Sports for Kinect $24.99
Bioshock 2 $9.99
Bioshock 2 $9.99
Cabela's Adventure Camp $24.99
Cabela's Big Game Hunter 2012 SAS $19.99
Cabela's Big Game Hunter 2012 with Top Shot Elite $59.99/$29.99
Cabela's Big Game Hunter, 2012 $19.99
Cabelas Survival: Shadows of Katmai $19.99
Cabelas Survival: Shadows of Katmai W/Gun $59.99/$29.99
Call of Duty 4 : Modern Warfare $9.99
Call of Duty 4: Game of the Year Edition $9.99
Call of Duty 4: Modern Warfare $14.99
Call of Duty: Black Ops $29.99
Call of Duty: Modern Warfare 2 $19.99
Call of Duty: Modern Warfare: Mobilized $14.99
Call of Duty: World at War $9.99 Reflex $14.99
Catherine (& alt. box art) $34.99
Catherine "Love Is Over" Deluxe Edition $52.99
Club Penguin: Game Day! $9.99
Crysis 2 $29.99
Dance Central with 240 Microsoft Points $29.99
DanceDanceRevolution II $19.99 Bundle $29.99
Dark Souls $31.99
Diablo Battlechest [new version] $24.99
Disney Universe $39.99
Dissidia 012 [duodecim] Final Fantasy $11.99
Dragon Ball: Raging Blast 2 $25.99
DualPenSports $15.99
Duke Nukem Forever $9.99
Dungeon Siege III $20.99/$14.99
El Shaddai: Ascension of the Metatron $29.99
Elder Scrolls V: Skyrim $52.99
Enslaved: Odyssey To The West $11.99
ExerBeat $12.99
Family Feud 2012 / Game $26.39
Family Game Night 4: The Game Show $29.99
FIFA Soccer 12 $39.99
Forza Motorsport 4 $39.99
Gears of War 3 $39.99
Generator Rex $14.99
Go Vacation $15.99
God of War III $17.99
God of War: Collection $17.99
GoldenEye 007: Reloaded $29.99
Happy Feet Two: The Videogame $15.00
Hasbro Family Game Night Fun Pack $29.99
Heavy Rain - Greatest Hits $17.99
Hole In The Wall Deluxe Edition $26.39
inFAMOUS $17.99
inFAMOUS 2 $39.99
Ivy the Kiwi? $11.99
James Bond 007: GoldenEye $14.99
Jane's Advance Strike Fighters $29.99
Just Dance Summer Party $16.99
Katamari Forever $15.99
Killzone 2 $17.99
Kinect Sensor with Kinect Adventures and Gunstringer $99.99
Kinect Sports $29.99
Kinect Sports Season Two $29.99
Kingdom Hearts Re:coded $18.99
Kingdom Hearts: Birth by Sleep $11.99
L.A. Noire $19.99
Lalaloopsy $14.99
LEGO Harry Potter: Years 5-7 $34.99
LEGO Pirates of the Caribbean (360/PS3/Wii $27.99, DS/3DS/PSP/PC $19.99)
LittleBigPlanet - Game of the Year Edition $17.99
Madden NFL 12 $39.99
MAG $17.99
Majin and the Forsaken Kingdom $11.99
ModNation Racers $17.99
Mortal Kombat $29.99
Moshi Monsters $14.99
MotionSports Adrenaline $32.99
MotorStorm $17.99
MotorStorm Pacific Rift $17.99
Namco Museum $12.49
Namco Museum Battle Collection $11.49
Namco Museum Megamix $11.99
NASCAR The Game 2011 $24.99
NASCAR: Arcade $24.99
NBA 2K11 $19.99
NBA 2K12 (Covers May Vary) $39.99
NBA 2K12(Covers May Vary) $29.99
NBA 2K12(Covers May Vary) $19.99
NCAA Football 12 $39.99
Need for Speed: The Run $39.99
Need for Speed: The Run $29.99
NHL 12 $39.99
Pac-Man and Galaga Dimensions $15.99
Pac-Man Party $11.99
Pac-Man Party 3D $15.99
Power Rangers Samurai $19.99/$15.99
PowerUP Heroes $32.99
Price Is Right Decades $26.39
Pro Evolution Soccer 2012 $39.99
Pro Evolution Soccer 2012 $39.99
Quest Trio $14.99
Rage $29.99
Ratchet & Clank Future: A Crack In Time $17.99
Ratchet & Clank Future: Tools of Destruction $17.99
Red Dead Redemption Game of the Year $29.99
Red Dead Redemption: Undead Nightmare $15.99
Resistance 2 $17.99
Resistance: Fall Of Man $17.99
Ridge Racer $11.49
Ridge Racer 3D $15.99
Rise of Nightmares $29.99
Self-Defense Training Camp $32.99
Sesame Street: Once Upon A Monster $24.99
Sid Meier's Civilization V Game of the Year $29.99
Skylanders Spyro's Adventure Starter Pack $49.99
Smart Girls: Playhouse $12.99
SOCOM: US Navy Seals Confrontation Stand Alone $17.99
Solatorobo: Red the Hunter $19.99
Soul Calibur IV $13.99
Spider-man: The Edge of Time $29.99/$14.99
Splatterhouse $12.49
Squinkies 2 $14.99
:mac: StarCraft Battle Chest $9.99
Starcraft II: Wings of Liberty $29.99
Tactics Ogre: Let Us Cling Together $12.00
Tekken 6 $13.99
The 3rd Birthday $11.99
The Biggest Loser Ultimate Workout $18.99
The Black Eyed Peas Experience $34.99
The Legend of Heroes: Trails in the Sky $14.99
The Legend of Heroes: Trails in the Sky Limited Edition $19.99
The Sims 3: Pets $29.99
The Sky Crawlers: Innocent Aces $14.99
Tiger Woods PGA TOUR 12: The Masters $29.99
Tomb Raider Trilogy $16.99
Toy Story 3 The Video Game $9.99
Toy Story Mania! $9.99
Transformers: Dark of the Moon Autobots/Decepticons $11.99
Trivial Pursuit - Bet You Know It $26.39
Tropico 4 $19.99/$15.99
UNCHARTED 2: Among Thieves - Game of The Year Edition $17.99
Uncharted: Drake's Fortune $17.99
Warcraft III Battle Chest $14.99
Warhammer 40,000: Space Marine $39.99
Warhawk (No Headset) $17.99
Winter Stars $21.99
Winter Stars $29.99
Wipeout 2 $24.99
Wipeout 2 $29.99
WipeOut: The Game $14.99
World of Warcraft Battle Chest $11.99
World of Warcraft: Cataclysm $21.99
World of Warcraft: Wrath of the Lich King Expansion Pack $21.99
WWE '12 $47.00
X-Men: Destiny $29.99/$14.99
Your Shape Fitness Evolved $32.99
YS: The Oath In Felghana $12.99
Zhu Zhu Babies $14.99
Zoobles $14.99
Accessories - All Day - Black Friday
22-In-1 Deluxe Starter Kit - Black for DSi $16.00
3DS/DSi/DSi XL Car Adaptor $7.99
Active Life Outdoor Challenge $19.99
Aerobics Step Platform for Wii Fit $16.99
Air Flo Controller for PS3 - Wired $19.99
Air Flo Controller - Wired $29.99
Air Flo Controller - Wired $25.00
Charging Dock and Turbo Cooler $19.99
Domo Starter Kit $11.50
DreamGEAR TriMount , PS3, and Wii $21.99
Dreamworks Super Star Kartz $17.99
Dreamworks Super Star Kartz $17.99
Dreamworks Super Star Kartz $14.99
DS Game Card Case 24 - Clear $7.99
DS Game Card Case 24 (Pink) $7.00
DS Game Cards and SD Cards 12 Game Clear Case - Black $8.99
DS Pokemon Character Case Kit $11.99
DSi -18-In-1 Starter Kit - White $17.50
DSi XL ArmorStore Case and Stand - Blue $11.29
DSi XL ArmorStore Case and Stand - Natural White $11.56
DSiXL Nerf Armor - Blue/Dark Grey $12.50
DSiXL Nerf Armor - Red/Light Grey $12.50
DSL Nerf Armor Black/Red $12.50
DSL Nerf Armor Dark Blue/White $10.99
Dumbbell Set for Wii $12.50
Ferrari Universal 5-in-1 Challenge Wheel $26.49
Grip-iT Analog Stick Covers $4.24
Kinect TV Mount Clip $12.99
Mad Catz 3DS Stylus and Screen Protector Pack $7.69
Mini Pro Elite Wireless for PS3 $25.00
Move Battle Rifle for PS3 $22.99
Move Dual Shot for PS3 $13.99
20-In-1 Essentials - Red $28.00
Comfort Grip - Transparent Black $10.99
Dragon Quest Slime Speaker Stand $19.99
Lite Car Adapter $7.99
i - Crystal Case Plus XL $11.50
i 18-In-1 Starter Kit - Blue $18.00
i Car Adapter $6.99
i XL 20 in 1 Starter Kit - Burgundy $19.50
i XL 20 in 1 Starter Kit - Midnight Blue $20.00
i XL 20 In 1 Starter Kit, Black $14.99
Nintendo Official Expedition Case for 3DS - Blue $9.99
Nintendo Official Expedition Case for 3DS - Gray $10.99
Intec G5614 Dual Charge Station and Turbo Cooler $19.50
Official Comfort Racing Wheel - Black $8.50
Pikachu Charge Stand $12.99
Broadcaster Headset $19.99
Rock Band 3 MIDI PRO - Adapter $25.99
WWE All Stars Brawl Stick $47.98
WWE All Stars Wireless Brawl Pad The Rock and Triple H $21.99
WWE All STARS Wireless BrawlPad Hulk Hogan and John Cena $23.49
PlayStation Move Sniper Rifle Gun $15.75
POWER A Media Expansion Bar for PS3 Slim $12.99
Protective Grips for PlayStation Move Controllers - Black and Pink $8.50
Protective Grips for PlayStation Move Controllers - Black and Red $8.50
Protective Grips for PlayStation Move Controllers - Black and Red $8.50
PS3 Move Dual Port Charging Station $12.25
PS3 Move Extension Cable $7.50
PS3 Move Power Stand $22.99
PS3 Move Quad Charger $16.50
PS3 Move Quad Dock Pro $15.00
PS3 Move Quadruple Port Charging Station $13.75
PS3 Move Triple Port Charge Station for Controllers and Sixaxis Controller $13.99
Quadruple Vertical Induction Charger for Wii and DSi/DSi LL $27.50
Rock Band 2 Double Cymbal Expansion Kit $15.99
Rock Band 3 PRO-Cymbals Expansion Kit $24.49
Rock Band 3 Wireless Fender Mustang PRO-Guitar Controller for Wii $77.49
Rock Band 3 Wireless Keyboard for Wii $36.00
TekNmotion Intruder Gaming Headset for Tablets, Smartphones, PC and Mac $45.00
TekNmotion Yapster Blaster Amplified Universal Headset /PC $22.50
Thrustmaster Ferrari GT Experience Racing Wheel for PS3 and PC $35.49
No Operating System Thrustmaster T-16000M Flight Stick $25.14
Thrustmaster T-Flight Hotas X Flight Stick $34.99
Thrustmaster T-Wireless 3 in 1 Gamepad $21.99
Tritton TRIAX-180 AX 180 Universal Gaming Headset $53.99
Wii 15-in-1 Family Pack - Black $18.50
Wii 15-in-1 Family Pack - White $18.50
Wii Bowling Ball $14.99
Wii Dual Charger Station $13.50
Wii Energizer Flat Panel 2x Induction Charger $14.99
Wii Fit 7-in-1 Exercise Kit $16.50
Wii Fit Starter bundle 6-in-1 $17.50
Wii Football $11.50
Wii Grand Slam Sports Pack - Black $9.99
Wii Grand Slam Sports Pack - White $9.99
Wii Karaoke Wired Microphone $17.50
Wii Knockout Boxing Gloves $12.50
Wii Nascar Wheel $12.50
Wii Push Up Bar $13.99
Wii Remote Energizer Power & Play Battery Pack and Cover $4.99
Wii Rock Band 3 Midi PRO-Adapter $22.99
Wii Soft Football $9.50
Wii Sports Resort 8-in-1 Sports Pack $18.00
Wii Sports Resort 8-in-1 Sports Pack - Black $13.99
Wii SureShot Rifle $17.50
Wii Turbo Wheel Twin Pack - 1094 $12.50
Wii/DSi/DSi XL Dual Induction Charge Station $25.50
Sharkoon X-Tatic SP Gaming Headset $52.99
Sharkoon X-Tatic SR Gaming Headset with Dolby Headphone Technology /PS3/PC $99.99AMPX Amplified Gaming Headset $26.09
Kinect Extension Cable $7.99
Kinect Floor Stand $15.00
Kinect TV Mount $25.00
Kinect Wall Mount $10.50
Rock Band 3 Midi PRO-Adapter $24.99
Rock Band 3 Wireless Fender Telecaster Player's Edition - Light Blue $43.99
Sharkoon X-Tatic SX Stereo Gaming Headset $43.99
WWE All Stars Brawl Pad - The Rock and Triple H $24.49
WWE All Stars Brawl Stick $49.98
WWE All STARS BrawlPad Hulk Hogan and John Cena $21.99
Cellphoneshop.com free ship
Added on : Tuesday November 22nd 2011 09:26:49 PM
Was able to get free shipping on a small order ($5) by using code "freeshipcloser". Try it at the bottom of the checkout procedure before submitting order...
Rite Aid 11/20-11/26 Weekly Ad
Added on : Friday November 18th 2011 12:05:00 PM
Thanks ellgee79.+Up Deals
$10 up WYB $30 Bonus Buys there are a ton of items that qualify i am only listing some
items listed throughout the ad
here are some:
holiday food and gift sets 14.99 (reg.14.99-19.99)
holiday food and gift sets 8.99 (reg. 9.99)
gusset bags, ferrero rocher, ghirardelli and lindt,hersheys ro reeses bags, russel stover sugar free, mrs. fields - on sale for 5.99
ferrero rocher collection, lindt boxed, russell stover nd whitman tins 7.99
RA home xmas assorted 1.00 items
pillow pets, happy nappers, wuggle pets starter kit 19.99
swivel store, yoshiblade, sliceomatic, clean step mat 19.99
perfect meatloaf, furniture fix, knife shaprener, ove glove 14.99
eggies, twin draft guard, snapon feathers, salon express nail kit 9.99
25% off items xmas domestics, and a bunch of RA home for the holiday items for everyone
2/$5 throwsand the list goes on...7 up 2 liter, 4/$5 get $2 up WYB 4LIMIT 1R.M. Palmer bagged chocolates $2 for 2 get 1up LIMIT 2CRAIG 19" TV, $129.99 get $30 upLIMIT 2Vivitar video recorder or camera, $49.99 get $10 up AND $10SCRLIMIT 1Scunci or conair hair accessories $5 up WYB $10LIMIT 2Christmas fragrance gift sets $5 up WYB $25LIMIT 1Christmas cosmetics and implements gift sets $5 up WYB $10LIMIT 1conair dryers, curling irons, straightners, rollers, haircut kits $10 up WYB $30LIMIT 1revlon dryers, curling irons, straightners $10 up WYB $30LIMIT 1WAHL trimmers, haircut kits $10 up WYB $30LIMIT 1Biggest loser shapewear, L'eggs or just my sie panyhose or knee highs, BOGO50% $3 up WYB 2LIMIT 4Burt's bees lip, facial and skin care $2 up WYB $10LIMIT 4Gold Bond ultimate lotions and hand sanitzers, $5.99 get $2 upLIMIT 4Loreal youth code and clinical repair skin care, $5 off reg. retail $5 up WYB anyLIMIT 2Softsoap and IS body wash, $3.99 get $2 upLIMIT 4Fructis shampoo, conditioner or styler get $3 up wyp 2LIMIT 2All porcelana and udderly smooth skin care, $1.99 get $1 upLIMIT 2Samy fat hair shampoo or stylers, fat foam hair color, $8.99 get $5 upLIMIT 2Marc anthony shampoo, conditioner, stylers , $3.99 get $2 upLIMIT 1American crew, biosilk, CHI, rusk, big sexy, TIGI bed head or catwalk hair care get $5 up WYB anyLIMIT 2Playtex tampons, personal cleansing cloths, $3.99 get $1 upLIMIT 4 (MFR $1 coupon in most sunday papers)Colgate kids or adult power TB, 2 for $8 get $2 upLIMIT 4Refresh tears or optive drops, $11.99 get $2 upLIMIT 4pampers big pack, $21.99 get $3 upLIMIT 6reach mint floss, listerine pocketpaks, listerine mouth wash 250ML, 3/$12 get $3 up on 3LIMIT 2Gillette good news, daisy or custom plus disposable razors, 2/$13 get $3 up on 2LIMIT 2Benefiber, gas-x, ex-lax $12.99 get $2 upLIMIT 4MiraLAX, $21.99 get $3 upLIMIT 4Centrum multi-vitamins , $6.99 get $1 upLIMIT 4Summers Eve cloth, wash,powder,spray or douche, 2/$5 get $1 up on 2LIMIT 2Excedrin, $8.99 get $1 upLIMIT 4Aleve, Bayer, Midol get $4 up WYB 2LIMIT 4Mucinex, claritin, $21.99 get $2 upLIMIT 4NyQuil, DayQuil, Vicks sinex, $11.99 get $2 upLIMIT 39 lives cat food get $3 up WYB $10LIMIT 1Ferrero rocher/rondnoir, Raffaello, Mars holiday miniatures, dove holiday pkg candy, godiva gems, 2/$6 get $1 up on 2LIMIT 2Duracell, $9.77 get $2 upLIMIT 2Coke 12 pack 3/$9.99 get $1 up WYB 3LIMIT 2
BOGO Deals:
Natures bounty
RA pain care
Colgate TP, TB, Aquafresh, polident tablets, super polygrip
Tresemme shampoo conditioners and stylers
Purex detergent, softner, niagra spray
finish automatic dishwasher detergent, airwick mini, ultra, imption or neutra air freshmatic kits
Planters, lays, gatorade
Russel stover boxed, maxfield's, andes,queen anne cherries, haviland mints
RA butter cookies
Russel stover bowline or whitmans sampler, russel stover gift box or whi whitman's 100th anniversary tin (this is part of by 30 get 10 ups)
Candle-lite or enenmann's candles (this is part of by 30 get 10 ups)
All RA vitamins and supplements
RA allergy, non aspirin, cold sinus...BOGO 50% off Deals:
all anti perspirant deoderan and body sprays (excluding arrid twin, OS redzone, OS high endurance, Tom's of maine, secret base, dove or degree)Hershey Bliss 2/$7 use 1 off 2 VVCoupon in-ad
BOGO single pack of STRIDE gum - this is a manufacture coupon
Business Owners: Fedex/UPS shipping rates
Added on : Tuesday November 15th 2011 06:04:58 PM
We are trying to get our rates as competitive as possible for late November and December shipping. UPS is our preferred shipper since we've been with them so long
FedEx offered 18% off ground / 45% off express published ratesFor those spending $5k+ per week what type rates should we target? The ground discount was bigger than expected, but I though express would be closer to 70% off published rates.The old thread was archived so I started a new one.
DJ Hero 2 Party Bundle for Wii/Xbox 360/PS3 $24.99 @ GameStop YMMV
Added on : Thursday November 10th 2011 06:26:48 PM
DJ Hero 2 Party Bundle for Wii/Xbox360/PS3 $24.99+ tax @ GameStop. Available B&M here in the San Antonio area (or online) so there should be more out there. Picked up 2 for X-mas gifts.LinkyPlease don't confuse this bundle with the "turntable" bundle. This box has 2 turntables (not 1) and microphone. Although this is not a new game, it still receives great reviews.ReviewsFor those of you who have a Big Lots store closer, it's selling there for $30 for Wii or PS3 platform. They are also still in stock in the San Antonio area.Big Lots Ad
While supplies last, you can download a free workout mix, "Wake Up and Workout" thanks to The Biggest Loser & Subway.The workout mix includes the following tracks:Forget You by Cee Lo Green Just a Dream by Nelly The Time (Dirty Bit) by Black Eyed Peas We R Who We R by Ke$ha DJ Got Us Fallin In Love Again by Usher featuring Pitbull Whats My Name by Rihanna featuring Drake The offer is only available for a limited time and youll need to supply a valid email address to access the download. Valid for one free download. Limit of one per person.http://subway.workoutmusic.com/
My Vegas Deal
Added on : Wednesday November 02nd 2011 12:00:04 PM
I figured I would post the deals I have for my trip so far. Figured it would be something a little different compared to all the request that get posted here.Dates: 01/21/12-01/28/12Flight- Flying Spirit out of Detroit for $49 each way. Comes to about $130 round trip after taxes. Just about impossible to beat that price even after having to pay for any of the "extras" that Spirit likes to charge for. Only thing I will pay for is luggage as I let them assign our seats.Hotel- We normally get our hotel comped at a CET property for the week, but we didn't do much gambling at CET properties this year and no longer get the comped offers. Staying at Imperial Palace for Saturday-Tuesday. I know not too many people like IP, but we have always loved the location and never have had any problems other than the line to check in. We got a rate of $20 per night using our players card rate. Tuesday-Saturday we will be heading downtown. We will either stay at the new rooms at the Plaza, or use our 2-1 room night offer at The Fitz.Car- Still searching for a better deal. Currently I have a mid size car reserved at Alamo. Rate is $180 after taxes and discounts. We normally get the car for closer to $150. Used the Costco code (I am a member) and the $30 off coupon.Other Discounts- I will purchase both the American Casino Guide and Las Vegas Advisor MRB before going. Those are a must purchase for us each year. I also bought a couple of the restaurant.com gift certificates last year for a few restaurants (Mr. Lucky's, Gameworks, and a few others). I will probably buy a couple of those again during their next 80% off sale. Hope this information can be useful to others who are planning and need help with Vegas. Good luck!
Apple iPod touch 8GB MP3 Player for $188 + free shipping
Added on : Monday October 31st 2011 12:07:36 AM
Ending today, Abt offers the 4th-generation (current generation)Apple iPod touch 8GB MP3 Player, model no. MC540LL/A, for $188 with free shipping. That's $12 under our summer mention and the lowest total price we could find by $2, although most merchants closer to $200. It features a high-definition Retina Display, 3-axis gyro, iOS 4.1, front- and rear-facing cameras (the latter capable of HD recording), FaceTime, Game Center, and more.
The Biggest Loser 3 tier food Steamer $19.99 Boscovs.com
Added on : Sunday October 30th 2011 03:04:07 PM
The Biggest Loser Steamer:Steamer features: 3 tier steamer, can cook eggs from soft to hard boiled, steams vegtables and fish, creates steam in less than 40 seconds, stackable design makes it easy for organized storage and the boil alert cuts off heat for safetysells for $40 reg. & @ Amazon picLink $4.97 shipping on $30+ order. 3 days only
Sony Xperia Neo Unlocked $272.79
Added on : Wednesday October 26th 2011 06:07:32 PM
For those who are looking for a really good camera cell phone, link. I never heard of this company before but they do have good reseller rating. Things I like on this cell phone: great camera with lots of feature, front facing camera for video chat, HDMI out to your TV.Xperia Neo commercial
Macro Shot video
Night scene video
Photo samplesThe Xperia neo smartphone is powered by Sony multimedia technology. It's great to look at. Even better to hold. Your friends are closer than ever before thanks to Facebook inside Xperia. And when you want more, there's the whole world of Android. On the smart Xperia neo touch phone.Snap superb pictures in the sunset. Shoot sharp scenes in low light. The Xperia neo touch phone comes with an 8.1 megapixel camera and Sony's award-winning Exmor R for mobile image sensor.
Short Description
Xperia neo - Red, Android 2.3 (gingerbread), 3.7" multi-touch display with Sony Bravia Engine, 8.1 MP camera, HD Video, internet and Wifi capable, BT 2.1, a GPS, HDMI, DLNA, email, Android Market place, UMTS HSPA 800, 850, 1900, 2100 GSM GPRS/EDGE 850, 900, 1800, 1900, Talk Time up to 7 hrs(GSM), Standby up to 400 hrs. Includes: Charger, Micro USB cable, Music headphone, 8GB MicroSD
Free Jars of Clay Compilation Gather and Build MP3 Download
Added on : Tuesday October 25th 2011 06:03:31 PM
11 tracks include:
This Land is Your Land
Closer
We Will Follow featuring Gungor
Oh My God
Stay Forgive Me re-imagined by Stephen Mason
Safe to Land
Save My Soul
Body and Wine
Run in the Night featuring Thad Cockrell
Water Under the Bridge
Flood New Rain mixhttp://www.noisetrade.com/jarsofclayEnter email and zip on the left
Product Features A smarter auto mode
Unlike traditional auto mode, Intelligent Auto (iAuto) mode thinks for you - recognizing scenes, lighting conditions and faces - and automatically adjusts the settings for you. The results are clear images, faces with natural skin tone and less blur.
Goodbye blurry photos
Don't let a not-so-steady hand prevent you from capturing the moment. Built-in SteadyShot image stabilization compensates for camera shake and helps prevent blur by capturing two photos at high shutter speeds and combining them into one clear image.
Catch them smiling
Capture a smile the moment it happens with Smile Shutter technology. Simply press the Smile Shutter button and when your subject smiles, a photo is automatically taken. You can also adjust the sensitivity for adults or children for even better results.
Faces first
Sony's Face Detection technology detects up to eight individual faces and adjusts focus, exposure, and white balance to help deliver crisp, properly lit images of family and friends.
Fit everybody in
The professional-quality Carl Zeiss Vario-Tessar 4x optical zoom lens with 26mm equivalent wide angle brings distant subjects closer for great outdoor and travel photos. Plus, the wide angle lens helps you fit everyone in for better group photos.
In-camera retouching
Photo editing doesn't have to be done on your PC. Convenient, in-camera retouching is the quick and easy way to enhance your photos on the go. You can trim, correct red eye and use unsharp masking functions. Product Identifiers
Brand:Sony
Model:DSC-W330
MPN:DSC-W330/L
UPC: 0027242779860, 027242261945, 983481516690Key Features
Camera Type:Point & Shoot
Optical Zoom:4x
Digital Zoom:2x
Sensor Resolution:14.1 MP
Screen Size:3"Optical Sensor
Sensor Size:1/2.3"
Sensor Type:Super HAD CCDLens System
Lens TypeZoom: lens
Focal Length Range:5mm - 19mm
Macro Focus Range:4cm
Focus Adjustment:Automatic
Lens System Features:Aspherical Lens, Built-in Lens Hood
Auto Focus type:TTL contrast detection
Lens Construction:5 group(s) / 6 element(s)
Lens Manufacturer:Carl Zeiss
Focal Length: Equivalent to 35mm Camera26 - 105mmExposure
Max Shutter Speed:1/1600 sec
Min Shutter Speed:1 sec
Exposure compensation:2 EV range, in 1/3 EV steps
Exposure Metering:Center-Weighted, Multi-Segment, Spot
Exposure Modes:Automatic, Program
Light Sensitivity:ISO 100, ISO 1600, ISO 200, ISO 3200, ISO 400, ISO 80, ISO 800, ISO auto
Light Sensitivity Max:3200Camera Flash
Flash Type:Built-in flash
Red Eye Reduction:Yes
Effective Flash Range:0.3 m - 3.5 m
Flash Modes:Auto Mode, Fill-in Mode, OFF mode, Red-eye Reduction, Slow SynchroMemory / Storage
Flash Memory Size (Provided by manufacturer):28 MB
Supported Flash MemoryMemory Stick Duo, Memory Stick PRO Duo, Memory Stick PRO Duo Mark2, Memory Stick PRO-HG Duo, SD Memory Card, SDHC Memory CardViewfinder
Viewfinder Type:NoneDimensions
Depth:0.7 in.
Height:2.2 in.
Width:3.8 in.
Weight:4 Oz.Display
Display Type:LCD
Display Rotation:Built-in
Screen Details:LCD display - TFT active matrix - 3" - color
Display Size:3"Microphone
Microphone Type:Microphone - built-in - electret condenser - mono
Microphone Operation Mode:MonoConnections
Connector Types:1 x USB, 1 x composite video/audio output
Expansion Slot:1 x Memory Stick PRO Duo, 1 x SD Memory CardSystem Requirements for PC Connection
Operating System Supported:Apple Mac OS X 10.4 - 10.6, MS Windows 7, MS Windows Vista, MS Windows XP SP3Battery
Battery Form FactorManufacturer specificFile Format
Digital Video Format:AVI, MJPEG
Still Image Format:JPEGResolution
Max Video Resolution:640 x 480Environmental Parameters
Min Operating Temperature:0 C
Max Operating Temperature:40 COther Features
Additional Features:Audio Recording, Auto Power Save, Automatic Face Tracking, Built-In Speaker, Cropping An Image, DPOF Support, Date/Time Stamp, Digital Image Rotation, Digital Noise Reduction, Direct Print, Dynamic Range: Optimizer, Intelligent Scene Recognition (iSCN), Motion Detection, PRINT Image Matching, PictBridge Support, RGB Primary Color Filter, Red eye Fix, Self Portrait Auto Shutter, Smile Capture, USB 2.0 Compatibility
Face DetectionYes
Shooting Modes:Frame Movie ModeMiscellaneous
Color :Blue
Shooting Programs:Beach, Gourmet, High sensitivity, Landscape, Pet, Snow, Soft snap, Twilight mode, Twilight portrait, Underwater
Continuous Shooting Speed:1 frame per secondhttp://www.ebay.com/itm/Sony-Cybershot-14.1-MP-Digital-Camera-W-...
Handicapping China's New Leadership Team
Added on : Friday October 14th 2011 03:00:19 PM
As some on here should know I have been predicting a large crash in China's property markets and therefore the rest of China for over a year now. I still strongly believe this is the case, and it appears it is still approaching sooner than some have predicted.This is what we know:
1) Ghost cities
2) Estimated 30% property vacancy in all of China
3) The Chinese have been increasing interest rates, reserve requirements, etc. to try to pop the bubble
4) In recent weeks many major property developers have had their bonds drop to only 70 cents on the dollar signifying a belief among investors that at least a partial default on their bonds is likely
5) Property developers increased reliance on underground financing at interest rates of at least 70%
6) Continued talk of municipalities and provincial governments carrying on excessive debt in their special investment vehicles
7) Ratings agencies predictions that a 40% reduction in sales would lead to half of property developers analyzed not being able to meet interest payments2 New Developments:
8) Decision of the Chinese sovereign wealth fund to publicly invest in Chinese state owned banks to attempt(somewhat unsuccessfully) to calm the markets
9) News that September and October property sales them, 2 best selling months in China, are down anywhere from 30-50%(depending on the source) in comparison to last year.All this does point to a likely crash in China in the none to distant future.But this isn't the purpose of this thread.Taking a longer term view of developments in China I decided to research what changes may happen in party leadership at the upcoming Communist party National Conference next fall. I am not only creating this thread for those that are interested, but also for my own reference in the future. The defacto ruling committee in China is called the Politburo Standing Committee(PSC) which is a 9 member committee. 2 of those spots are always occupied by the President/General Secretary and the Premier. And only the 2 that will be appointed President/General Secretary and Premier will stay on the committee. The other 7 are leaving to make way for younger group of leaders.Now for purposes of simplification I have decided to use a scale of 1 to 10 to rate current members and future aspirants of the PSC. Those that are closer to 10 would be more "liberal" meaning they generally seem to want to move towards a more market based economy and they are comprised of mostly economists, people with experience running state owned enterprises, and engineers or other highly technical professions. And those closer to a 1 would be more "hard liner" meaning they generally seem to be focused primarily on political control and promote nationalism and they are comprised of mostly party bosses, propagandists, and in 1 case a former developer of military technology(missiles). Of course these numbers are just my guesses out of reading their bio's, statements, and commentary in articles about them and obviously they are very subjective.Current Poliburo Standing Committee1)President and General Secretary: Hu Jintao - 7
3)Premier: Wen Jiaboa - 7
2)Wu Banggou - 5
4)Jia Qinglin - 6
5)Li Changchun - 1
6)Xi Jinping - 8
7)Li Keqiang - 7
8)He Guoqiang - 4
9)Zhou Yongkang - 4Leadership average: 7
PSC Average: 5.4 New leadership(practically guaranteed)
President and General Secretary: Xi Jinping - 8
Premier: Li Keqiang - 7Leadership average: 7.5
7 Spots available and outside of any surprises(which are possible the Xi and Li were the only surprises last time around) there are 9 aspirants that fit with party traditions of appointing off of seniority, but not too old.
Those 9 contenders divide into essentially 6 "liberals" and 3 "hardliners".Liberals:
1) Wang Qishan - 8
2) Li Yuanchao - 7
3) Zhang Dejiang - 7
4) Liu Yandong - 6
5) Zhang Gaoli - 8
6) Wang Yang - 9Hardliners:
1) Liu Yunshan - 1
2) Yu Zhengsheng - 1
3) Bo Xilai - 0(if not worse)
Now it is widely believed that 3 of those listed are highly probable to receive Politburo Standing Committee appointment because of their 2 terms in the Politburo as opposed to 1(again selection is really seniority based) and there is one more person that pundits just think he's likely to be picked. The 3 contenders with 2 terms in the Politburo are Liu Yunshan(1), Yu Zhengsheng(1), and Zhang Dejiang(7). The person expected to get the #3 spot in the PSC is Li Yuanchao(7).Notes on 2 contenders.1) Yu Zhengsheng has a background in the development of military technology particularly the development of missiles. He is also the son in law of a People's Liberation Army Major General. Beijing normally doesn't promote anybody to top committee with military ties like this. His appointment is expected because of his 2 terms in the Politburo, but his appointment also means that we can expect military spending to increase under new leadership.2) Bo Xilai is the ultimate communist. Apparently while Mayor he liked to send out text messages to 13 million people in his city with "Mao sayings". Also he recently made a decree that "all districts, government departments, commercial corporations, universities, schools, state radio and TV stations to begin singing "red songs" praising the Communist party. He also seems to want to reinvigorate the country with Marxist ideals.Well he is in a "PR" campaign right now to build pressure on others to get himself appointed. At the same time current President Hu Jintao is secretly campaigning to kill any chance of the guy getting appointment. Usually when the President doesn't like you, your chances are slim, but apparently he has some supporters. So Bo is the one to watch. If he gets appointment that means hardliners are trying to trying to get back control of the PSC. If he doesn't get the appointment then you can expect the new leadership to even accelerate current moves to liberalize the economy and loosen control on the media.
Link to the standA great stand for MacBook (Air, Pro). Very well rated at Amazon (5 stars, 280 reviews total) - Reviews and Apple Store - ReviewsStyled in silver aluminum to match MacBooks. Helps to keep your laptop cool. Raises it closer to the eye level. Especially useful for 2-monitor setup with external keyboard.Priced at $28.99. Even with a $5 shipping it beats the regular price of around $50.
Try ordering at store to avoid the shipping charge (not sure if it's possible).
Newegg 48 hour sale must enter the code EMCYTZT807 to get this deal.
Nice entry level receiver for some of us non-audiophiles!Pioneer at NewEggInstantly match the sound to your room. The VSX-521 AV Receiver brings you the basics of HD home cinema, with the option to intelligently adjust the sound according to the position of your speakers using MCACC. This way, you'll always be sitting in the sweet spot for perfect audio when watching a film or gaming. With clean, compelling lines, the VSX-521 has been streamlined to look as elegant, modern and state-of-the-art as the technology inside. The VSX-521 was designed to serve one singular purpose: to get you closer than ever before to the artist's true intent
SPG changes rules for elite status qualification
Added on : Thursday October 06th 2011 09:00:01 AM
LINKI debated on whether to put this in Finance or Travel Discussion. It's definitely relevant to everyone who just got the SPG AMEX (and they have a bunch of points sitting around), but I think it's more appropriate for just travel.Basically, rewards stays count as qualifying nights/stays for elite status. Those who recently earned 30/60/90/120k points (depending on if its just you, or you and a SO, and if you just got the personal card, or personal+biz), that means your rewards redemption will get your closer to Gold/Platinum status.
This is a calorie counter from 24HourFitness.com that you wear, and it tracks how much calories you burn throughout the day. It's advantage over the similar functioned fitbit (which just measures movement) is that it uses both an accelerometer and a heat sensor (to detect changes in body temp on the skin) as well as galvanic skin response (see info on how it works)
It comes with 6 mo. free subscription
BodyBuggv3 $99 Note - you can choose from a variety of colors
I seem to be having problems linking anyway copy/paste:
http://mystore.24hourfitness.com/search.php?subcat=23
If you enter code BG30QYUVL2 the price drops to $69
however the Biggest Loser Edition" is the same thing w/a 12 mo. subscription - use coupon code AFPBUGGV399 to get the price to drop to $99also as an FYI - there's an "SP" version which allows you to access your info via smartphone ("SP")Reviews:
People seem to be happy with the device though accuracy is not 100%, and paid subscriptions is a downer, lastly (as with all such devices) if you use it to enter food intake, it's a hassle - ie requires dedication - but for exercise tracking it looks great (I ordered one myself)
review #1
summarized review
some reviews of the Biggest Loser Edition from AmazonNote - you'll need to register (free) in order for the coupon code(s) to work.
Also note there is some activity online regarding a hack to track online without a subscription.
I hope this is not a repost, but I searched and didn't find a post to it, and I think it's a great deal
(shamelessly ripped from SD)
In celebration of National Seafood month, the Fresh Fish Experts at Bonefish Grill are delivering happiness to their guests in the form of a hand-crafted, three-course dinner for two all for less than $20 per person. Bonefish Grill, the Zagat-award winning Top Overall and Best Seafood polished-casual restaurant, has arranged a dream dinner featuring an array of guests favorite items, including choices among two appetizers, two salads and three signature entrees. This limited-time, Prix-Fixe Dinner for Two is available now through the end of October.Seafood-lovers can kick off the night with the exotic flavors of Singapore Calamari, featuring a sweet, spicy, tangy twist. Delicious entree options include guests favorites of either Gulf Shrimp and Scallops or fresh Salmon both cooked to perfection over a wood-fire grill and topped with one of Bonefish Grills four signature sauces. Reaching a far range of unique flavors that truly offer something for everyone, these signature sauces revisit classic favorites and tantalize taste buds with something new including: fresh, zesty warm Mango Salsa; exotic, aromatic Chimichurri Sauce; classically paired Lemon Butter, or sweet Pan Asian glaze. Guests seeking options that are closer to shore can satisfy their palates with a starter of Wagyu Beef and Ginger Dumplings, followed by Fontina Chicken topped with Fontina cheese, garlic, prosciutto and mushroom marsala wine sauce. Regardless of land or sea preference, Bonefish Grills prix-fixe menu offers happiness for everyone.http://www.bonefishgrill.com/
We're getting closer to 200,000 Likes on Facebook, and when we reach it we'll be giving all our fans a special treat to say thank you! Keep watching our number grow, and make sure to tell your friends to Like ALL YOU, too!" https://www.facebook.com/allyoumagazine?sk=app_7146470109
Toshiba 7 Watt LED A19 Warm White $9.99ea
Added on : Friday September 30th 2011 12:08:59 AM
LED-7WA19WW Toshiba 7WA19WW - 7 Watt - LED - A19 - Warm White - 320 Lumens - 25 Watt Equal - 120 Volt comes with 3 year warrantyI bought a few of these and I'm really happy with the type of light it emits, and the fact that the 7watts is easily as bright as a 25watts is really neat. I've been switching out some 13watt CFL's for these. These are pretty close to the feel of an incandescent. WAAAAY closer than CFLs.Link to the LEDThese are normally around $20.00.
$9.99 plus 4% Cash Back make it a good deal.Shipping is expensive at 1000Bulbs, but you still make out alright.
Are my refinancing numbers accurate?
Added on : Friday September 23rd 2011 03:00:12 PM
So ... watching the Mortgage Rate thread finally led me this morning to look at a potential refinance.Our situation is a little more complicated than some others, because we have both a Mortgage Credit Certificate (MCC) and an FHA loan.I think I figured out all of the issues, and in the end, it looks like even if we could get a great rate, it would not make financial sense. However, there are some other reasons why refinancing might benefit us, so I was hoping a few others might look to see if I am missing something.Current owed is ~$170,000. Using the "low appraisal" website from the mortgage thread we get $179,000, which puts us just under 95% LTVCurrent rate is 5.375, P/I is ~$980. Escrow is $390 (including MIP of $77)Our MCC saved us $1400 in taxes last year (it is a 15% MCC). This savings will slowly go down each year. It equates to ~$115/month savings. We lose the MCC if we refinance (ANY refinance). We would lose the credit, but gain a deduction. Tax bracket is 15%, so a deduction instead of a credit would be ~$17/month. This means moving from the MCC to non-MCC is a loss of ~$98/month.Additionally, when figuring savings, if we pay $100 less interest a month, we also "lose" the tax deduction on that amount for both state and federal, which is approximately 23%. So in my calculations, I multiplied gross savings by .77 to get closer to actual savings. If we do an FHA refinance, we will have to pay ~$1125 in upfront MIP (taking into account the refund we will get on our first upfront MIP).Also, if we do an FHA refinance, our monthly MIP will increase to ~$155. As far as I can tell, even if we could get a conventional refi, PMI would be about the same.So ... currently we pay $980 + $77 = $1057, and have a savings of $98 with MCC, essentially making our current payment $959.
Any refinance would come with $78 more in MIP/PMI per month.
If we could wrangle a 3.75 rate, an online calculator put P/I at ~$787/month. Add the total MIP to this and it is $942. Making the raw savings a whopping $17/month, coming out to about $13 in savings per month once the loss in tax deduction is figured in. And this is not figuring in upfront MIP or the additional months of MIP that would be required (I am assuming a refinance resets the 60 months MIP is required for FHA). Unless I am missing something, it seems as though, even though rates are significantly less than what we currently have, they have to drop significantly more for a re-fi to make financial sense. Confirmation? Point out errors?
The network of global corporate control
Added on : Thursday September 15th 2011 09:00:05 PM
Science takes a look the conspiracy way..
Recently (7/11), Swiss economic researchers published their study of global network analysis of the most powerful transnational corporations.
From their paper abstract:
We present the first investigation of the architecture of the international ownership network, along with the computation of the control held by each global player. We find that transnational corporations form a giant bow-tie structure* and that a large portion of control flows to a small tightly-knit core of financial institutions. This core can be seen as an economic super-entity that raises new important issues both for researchers and policy makers."
Once uncovered, they voice concern over the concentration of power, the anti competitive effects that such situation presents and call for closer scrutiny and investigation of the "super entity".
From the article(link below):
The study "..shows that many of the top actors belong to the core. This means that they do not carry out their business in isolation but, on the contrary, they are tied together in an extremely entangled web of control. This finding is extremely important since there was no prior economic theory or empirical evidence regarding whether and how top players are connected."Read "soft" version:ARTICLE
Cornell University Library has the complete PDF version of the Paper (highly technical - sleep inducing for the uninitiated):Research Paper PDF
6 FREE Bob Seger Songs on Itunes
Added on : Thursday September 15th 2011 12:01:46 PM
link ENJOY :)
if link wont work just go to itunes and serch for Bob Seger or copy and paste link http://itunes.apple.com/us/album/bonus-ep/id458835143
1 Ramblin' Gamblin' Man (Live)
2Get Out of Denver
3Mainstreet
4Beautiful Loser
5Feel Like a Number
6Hollywood Nights (Live)Bob Seger & The Silver Bullet Band
Co-Buying a house. Best advise needed on asset protection for deposit gift.
Added on : Wednesday September 14th 2011 06:00:07 PM
Hello Everyone.The situation is as follows: Alone, I will not qualify for a mortgage, however my fiancee does qualify with a 20% down-payment.
Depending on the house, she is able to put down all 20%, but this leads us to looking at houses under 100k. We found a house we like that is closer to 139K, but this is to much for her to do alone on the down payment.
It has been suggested that I put in 50% for the down-payment as a "gift" to her. This leads to the house being in her name, but allows us to have the better house, area and school system.Granted, I'm okay with the house in her name. That's not the issue for me.
It's the sole gift of the 50% deposit that I'm concerned with.Is there any method that can be done in a legal agreement (prenup, etc)to assure that I can at least seek a repayment of that money, should anything happen to the marriage?
Should we wait and become married first, before making the investment.Our goal is to build an investment of houses that are rent-able, this is part of the main reason we like the more expensive home in a better area.Thanks
Microsoft Xbox 4GB with Kinect sensor with Madden NFL 12 34,100 AMEX MR Points
Microsoft Xbox 4GB with Kinect sensor with Madden NFL 12
Was: 68,200 points
Now: 34,100 points
(Save: 34,100 points) http://www.membershiprewards.com/...aid=100139Save 34,100 points when you redeem by September 30, 2011 or while supplies last.
The Xbox 360 4GB Console with Kinect. Kinect brings games and entertainment to life in extraordinary new ways no controller required. Easy to use and instantly fun, Kinect gets everyone off the couch moving, laughing and cheering. See a ball? Kick it. Control an HD movie with a wave of the hand. Want to join a friend in the fun? Simply jump in. Wi-Fi is built-in for easier connection to the world of entertainment on Xbox LIVE, where HD movies and TV stream in an instant. Xbox 360 is more games, entertainment and fun.Madden NFL 12 continues the rich tradition of the storied Madden franchise by bringing fans closer to the NFL than ever before. Madden NFL 12 delivers Everything You See On Sunday, with the level of authenticity that fans have come to expect, capturing all the drama of the NFL.
Why 15 yr fixed rate is so much lower than 20 yr fixed
Added on : Tuesday September 13th 2011 12:00:08 AM
Sitting on a mortgage with 350K left to pay (on a $600K house) at 4.25% (30 year with 28 years to go), with a FICO score at about 770, got the following offers for refi:30 year fixed: 4%
20 year fixed: 3.75%
15 year fixed: 3.25%Is it just me, or the drop in rate from 20 year down to 15 year does feel steep? I mean 20 is closer to 15 than 30 after all. I know these things are not linear. But why the 20 yr rate is at such a 'strange' place between 30 year and 15 year? Is it that 20 is such an odd number in the mortgage world that it's hard to package and sell compared to 30 and 15?
"Its new. Its cool. Blue Man Group has updated the wildly popular theatrical show in New York. Taking a closer look at the technology that both surrounds and isolates us, Blue Man Group showcases technogeek ingenuity while uniting the audience in primal, collective exhilaration. Signature Blue Man Group moments combine with breathtakingly fun new pieces for an explosive evening of entertainment."special offer code: TMFALLValid until November 12 at 11:59PM. Not valid on Friday or Saturday performances. No refunds or exchanges. Not valid with any other offer. Subject to availability. Additional service fees may apply.Link
Free Bob Seger Bonus EP - iTunes 9/12 Only
Added on : Monday September 12th 2011 09:00:42 AM
Songs Include:
Ramblin Gamblin Man (Live)
Get Out of Denver
Mainstreet
Beautiful
Loser
Feel Like a Number
Hollywood Nights (Live)Available September 12, 2011 until 11:59 PM (EST) http://itunes.apple.com/us/album/bonus-ep/id458835143?ign-mpt=uo...
Plantronics Voyager 815 $14.99 shipped from Ben's Outlet (Refurb)
Added on : Thursday September 08th 2011 12:01:53 PM
Link to headsetIncorporating an in-ear ear bud for a comfort fit and superior sound reduction, the Plantronics Voyager Bluetooth Headset is a great option for hands-free cellphone conversations. Using Bluetooth 2.0 technology with EDR, the Voyager 815 can simultaneously connect with two cellphones.Plantronics' Audio IQ technology with superior two-way background noise reduction will transmit you voice crystal clear. A sliding microphone boom lets you locate the microphone closer or further from your mouth and can also be used to answer and end calls. Lightweight with a sleek design, the Voyager 815 Bluetooth headset comes with call control and volume/mute buttons for ease of use.Features Include
Bluetooth 2.0 + EDR
Audio IQ two-way background noise reduction technology
Sliding microphone boom extends microphone, can be used to answer and end calls
In-ear earbud design for comfort fit and external sound reduction
Multipoint simultaneous connection with two Bluetooth phones
Sleek design
Call control button, mute button, volume up/down toggle
7 hour talk, 150 hours standby
Built in rechargeable battery
Factory refurbished
Bulk Packaging

Package Includes
Plantronics Voyager 815 Headset
Home Charger
Specifications Warranty90-Day Warranty ConditionFactory Refurbished PackagingBulk Packaging ManufacturerPlantronics Model NumberVoyager 815
Need Help with Mortgage Refi reaching out to the veterans out there.
Added on : Sunday September 04th 2011 03:00:06 PM
Ok guys here is the situation. Trying to find out if its worth doing a refi on my house. We bought it as a fore closer in 2009 for 520,000 I put down 20%. Since then I have put 100,000 into the house to redo the kitchen and put in a full mother daughter sweet in the basement to bring the house from 4200 to 6200 Square feet and clean up and redo all the landscaping. My rate I locked into with was a 30 year fixed in April of 2009 at 4.625%. We plan on living in the house for many years to come at least 15+. Our credit is top tear do you think it makes sense to Refi at this time? I think I can get a rate as low as 4.00% but I am not sure if the .625 is worth it with closing costs. Are there any companies out there offering free closing right now? Trying to better my position can some of the veterans out there let me know your thoughts. I was thinking dropping to a 20 year mortgage but not sure if that would but a strain on us with the higher payment. Any help would be great looking for some thoughts of others. D
Social Security Spousal Benefit Optimization
Added on : Thursday September 01st 2011 03:00:15 PM
OK, I think I've got the basics down:
1. If the spouse receives spousal benefits (50% of the breadwinner's PIA) before full retirement age, those benefits are permanently decreased (35% of breadwinners if taken immediately at 62).
2. The spouse may receive these benefits even while the breadwinner's income is suspended (a normal trick is "file and suspend", to get spousal benefits and still qualify for delayed credits).
3. The spouse can receive a regular PIA benefits before becoming eligible for spousal benefits; the benefit will automatically be increased to the greater of the two.
4. Delayed credits earned by either spouse or breadwinner do not affect spousal benefit.So (due to #1 and #2) the ideal situation would be a spouse of 66 and a breadwinner of 62. But what should be done in the (more typical) opposite case?So here's where it gets complicated, and where the SSA site (and others) appear to not be helpful:
Let's assume the spousal income (at 50%) exceeds spouse's eligible PIA. They could:
5. Wait 4 years, so both are eligible; breadwinner gets 3 years worth of delayed credits (breadwinner could also file and suspend to max out delayed credits).
6. Spouse could take (his/her own) regular benefits now and have the breadwinner wait 4 years to file before switching to spousal.
7. Both could take benefits now, yielding 135% of PIA.Does #6 decrease spousal benefits taken at full retirement age? If not, that's clearly better than 5, yielding income now + the same income 4 years from now. Otherwise it's a loser for most people. #7 seems to depend a lot on other variables like income and tax rates and life expectation. It also seems politically pragmatic to "lock in" benefits before reform.
Looking to get mortgage pre approval, somewhat unique situation
Added on : Wednesday August 31st 2011 12:00:09 PM
I started buying rental properties in 2009 and wrote off alot of repairs and maintenance that year making my 2009 tax AGI really low. 30k to be exact
2010 was a good year, bought more properties and depreciated instead of direct write off for the improvements and repairs, 55k AGI that yearI have W2 income as well that is pretty high but was being negated in 2009Now im trying to buy a new primary residence and im having a tough time because the lenders want to average the 2009 and 2010 taxes. they dont care what i currently make at all.I was promoted this year and got a decent pay raise and have 720+ score and 4 years at this job 8 years in same industry Now i have 4500 a month in rental revenue and 5500 a month in w2 revenue for 2011 my AGI will likely be in the 80-90k range. I want to rent out my primary residence and have a renter @ $1200 with the payment being 830 first and 250 second for 1080 total. I realize thats probably a loser as 120 a month wont cover maintenance and vacancy but the renter is my mom and shed be living in one of my other houses if she wasnt living there.
So i want to buy a house that is asking 400k i was going to offer 300k as i have an insider that says itll get accepted. problem is i cant get a lender to look at my current income, rather they want to average 2009 and 2010. I have no car payments and only a student loan payment at 120$ The rest of my debt is tied to one of my 8 rental properties which are all very cashflow positive and 3 of them are owned free and clear.I can put down up to 30k if i need to to make this happenAny ideas how to get a preapproval?Im not concerned about affordability at this point because my fiance and i are getting married and she just graduated college 2 weeks ago. we have been together 5 years. I can afford the place on my own using my budget that ive been living by for several years. If she keeps a job i will easily be able to ball out of control. To this point she has lived with me but not had a job. She has been 100% focused on school and finished a bachelors in finance in 2.5 years.
SSI Spousal Benefit Optimization
Added on : Sunday August 28th 2011 03:00:04 PM
OK, I think I've got the basics down:
1. If the spouse receives spousal benefits (50% of the breadwinner's PIA) before full retirement age, those benefits are permanently decreased (35% of breadwinners if taken immediately at 62).
2. The spouse may receive these benefits even while the breadwinner's income is suspended (a normal trick is "file and suspend", to get spousal benefits and still qualify for delayed credits).
3. The spouse can receive a regular PIA benefits before becoming eligible for spousal benefits; the benefit will automatically be increased to the greater of the two.
4. Delayed credits earned by either spouse or breadwinner do not affect spousal benefit.So (due to #1 and #2) the ideal situation would be a spouse of 66 and a breadwinner of 62. But what should be done in the (more typical) opposite case?So here's where it gets complicated, and where the SSA site (and others) appear to not be helpful:
Let's assume the spousal income (at 50%) exceeds spouse's eligible PIA. They could:
5. Wait 4 years, so both are eligible; breadwinner gets 3 years worth of delayed credits (breadwinner could also file and suspend to max out delayed credits).
6. Spouse could take (his/her own) regular benefits now and have the breadwinner wait 4 years to file before switching to spousal.
7. Both could take benefits now, yielding 135% of PIA.Does #6 decrease spousal benefits taken at full retirement age? If not, that's clearly better than 5, yielding income now + the same income 4 years from now. Otherwise it's a loser for most people. #7 seems to depend a lot on other variables like income and tax rates and life expectation. It also seems politically pragmatic to "lock in" benefits before reform.
Critique My Early Retirement Strategy Plan
Added on : Wednesday August 24th 2011 12:00:17 PM
Long-time FWF poster here, using a pseudonym for anonymity. Critique my plan:Age: 30
Current Net Income: $60k
Current Annual Expenses:$15k
Expected Annual Raises: 10% to 20% minimum for 5 years - if my employer doesn't offer it, I can easily get this bonus by switching companies
Industry: Specialized Niche Consulting Field Operating In Low-Cost of Living Area, Traveling World-Wide to Clients - I do not wish to give specifics; please don't pry as this is part of my anonymity due to the niche field.Student Loans: $120k in government loans at ridiculous rates on income-based repayment plan. With creative accounting, I pay virtually nothing towards this and one reason I wish to retire early, is so that I may never have to pay this off. It's effectively a 15% tax on ever marginal dollar of earned income, putting me in the "55% tax bracket" thus reducing my motivation to work when I can only keep 45 cents of every additional dollar.Current Assets: $150k primarily in IRAs and 401ks, built up over the last 10 years.Goal: $400k in assets.My projections suggest that I can hit $400k in assets in 4 to 5 years of working at my current job. I will be 35 years old, unmarried, with no children, and a vasectomy. I live a quiet lifestyle and enjoy doing things myself rather than paying people to do them. Thus, my living expenses will be very low in retirement since I don't mind spending 10 hours learning to fix my toilet than paying a plumber $100 to do it in 15 minutes. Theoretically, one could argue that my hourly rate at work now is $40 about an hour and it would make little sense to forgo the opportunity cost of working 10 hours to learn to fix a toilet when I could gross $400. However, after IBR, FICA, State/Federal taxes, that $400 is $180. And I would rather spend 10 hours screwing around with my toilet, than doing the same boring consulting work that I have done forever.The tentative plan is once I hit $400k to buy a $150k house in a rural area. Perhaps something around 1000 square feet in a 2/1. Then I keep $250k as my savings. I can do 4% withdrawal rate and take out $10k per year, adjusted for inflation, to live on. $10k doesn't sound like much, but if I am cooking all my own meals, fixing all my broken stuff, and not driving to work everyday, it's plenty.Additionally, I don't intend to sit on my ass all day in "retirement" playing video games. I can do various part-time work at $40 an hour using skillsets I have picked up throughout the years. So my $10k from passive investments can easily be supplemented with another $5k to $10k by working on average 3 to 6 hours a week. That might also translate to working on a big project for a client for 80-hours a week for 2 weeks a year and taking 11 months off. I can live like a king on $20k a year, in a paid-off-house in a rural area.Another big benefit is transparency in costs and finances. If I am only able to take $10k per year from passive investments, but I decide I want to buy a new computer/vacation/widget, I can make a highly conscious decision on whether I want to work for this item. For example, if the computer is $2,000 and I know I can earn $40 an hour, I have consciously decided to go from a completely non-working state, to a state where I work 50 hours at $40 an hour, to buy the computer. Thus, the decision is whether to trade 50 hours of my life energy into this computer, or whether I can just go without the new computer. When you are already working 60 hours a week, with no clear retirement goal in sight, making stupid unnecessary purchases is more commonplace because they are opaque. You can't clearly see 20 years into the future and realize "if I buy this new computer now, then I have to work one more month when I am 55 years old." I believe that's a large driver of wasteful spending in developed nations today. If everyone was self-sufficient in their needs, and didn't want to work except for wants, there would be less "wants" due to the transparency in the trade-off.I frequently hear people tell me how expensive healthcare costs will be as I age. My response is that if I am retired at 35, I can eat healthy, have little to no stress of an alarm clock, sleep 9 hours a night, go to the gym daily, go for a nice walk through the park daily, and maintain an appropriate weight and eating style. I will be very healthy and able to reduce medical expenses. There are unexpected expenses, but for that there is high deductible health plans. Additionally, we have EMTALA in the US that prevents an emergency department from turning you away. IRAs are protected from creditors so if my $250k is in an IRA, and my home is paid off in a state that protects homes from creditors, then I have nothing a hospital can take from me, if I cannot afford a procedure. I have no intentions of defrauding or scamming a hospital, and do have intentions on buying HDHP insurance. I mention this only in a very small probability of event where I do run into huge medical bills, this does not destroy my retirement plans as all my assets are shielded.On a more FWF note, if I am retired and have all the time in the world, I can negotiate rates for medical procedures, review scientific literature to ensure the recommended procedure is worth my money, and take better control of my healthcare decisions, as opposed to letting a health insurance company with profit-driven motives make that determination.I know some at FWF will scoff at my idea to live in a $150k home on $10k per year. Personally I scoff at people working into their 40s, 50s, and 60s, that are 50lbs+ overweight, with diabetes, grey hair, stressed out, just so they can afford to buy a new car every few years, or live in a bigger house they don't need, or be able to avoid having to do anything for themselves because they can hire a specialist to fix their toilet, car, etc. I don't want to be a fat, stressed out, helpless old man who is stuck in a job with no ability to leave due to my dependance on that weekly paycheck.I write this post not to ask for a critique of my future lifestyle because that's my individual decision. I write it for financial purposes for advice on my numbers. Assume that my asset projections are correct and in 5 years when I am 35, I will have $400k in assets - approximately $250k in 401k/IRAs, and $150k in taxable savings. This is a modest forecast and I will likely have closer to $500k saved up.The theory is when using substantially equal period payments, I can shift my IRAs into multiple accounts so that I initiate SEPP only on an appropriately sized IRA chunk that gives me $10k per year, adjusted for inflation. Since my income will be below the poverty line, IBR student loan payments turn off. Also I won't pay income taxes since I get the standard deduction/personal exemption. I never paid taxes on these 401ks/IRAs going in, and I will never pay taxes coming out. This is another reason for early retirement. The goal is to pay the fewest taxes over my lifetime while maximizing my value of living.It's always a good idea to have contingency plans so mine is to do a limited amount of part-time work every year, in my industry, to stay active. So if in a few years I wind up needing another $100k, I can re-enter the job market full-time and have a way to show continuous work experience. Due to the nature of my industry, I can easily play the NDA card to avoid revealing my clients or the nature of number of hours worked over the past years. As long as I remain moderately active by working 50 hours per year, I can stay on top of developments and changes.I'd like to hear FWF critique my plan. I'd also like to know if anyone is considering something similar, or perhaps if some ideas have inspired you to modify your future goals.
HSN

Samsung F54 65X Intelli-Zoom 16GB Built-In Memory Camcorder Item: 143-802 Retail Value: $354.97
HSN Price: $249.95 | You Save: $70.00 (28%)
Today's Price: $179.95 or 4 payments of $44.98
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up to 3% FatWallet CashBack http://www.fullofdeals.com/HSN-coupons/http://www.hsn.com/todays-special_xh.aspx?sourcemailid=EMTSb2011...Get a lot closer and a whole lot smarter when making home movies. This camcorder lets you capture incredibly detailed, intimate shots even from afar. Its Smart Auto function automatically selects the appropriate settings so you can focus on seizing the moment. The tilt-LCD screen features controls situated right on it for easy navigation and recording. Add a background soundtrack to make your memories more magical. You can even record still photos at the press of a button. Ready to carpe diem?Included-
Camcorder
Battery
AC adapter
AV cable
USB cable
Video Essentials 2-title software CD-ROM
User manual on CD
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http://www.amazon.com/Kenneth-Cole-Messenger-Black-Size/dp/B000V...
The Kenneth Cole Reaction Risky Business Columbian Leather Messenger Bag is the best selling bag on eBags. Soft, Columbian full-grain leather and casual, but polished styling make this messenger the perfect bag for work and everyday. The interior is simple, but versatile enough to carry a laptop, papers, books, etc. There is even a cell phone pocket plus organizer features in the front gusset pockets.
Currently my bag is holding my 10" Asus netbook, a 600-page softback textbook, a clipboard, a 20 ounce Coca-Cola, my blackberry, 2 pens, wallet, optical mouse, and keys. The front pockets still have some room for probably a one-subject notebook, a magazine or two in the exterior pocket, and my laptop charger and portable phone charger in the front pockets. This would be the full capacity of the bag, though.
- the leather strap already comes at an excellent size for a 5'10" to 6'0" man, and can be adjusted for several sizes. The shoulder pad is pretty comfortable, fits well with the bag, and stays still when you want it but can be slid to the position you want.
- the magazine pocket is big and has its own magnetic closer.
Coupon Code NJJJZ?SDG27DT7

Save $600 OFF Select Optiplex Desktops priced $1299 or more
Expires Saturday, August 06, 2011
One coupon per customer. One time use only. Non-transferable. Offers not combinable with other offers, discounts or coupons. Limit of 5 promotional items per customer. Includes only Dell OptiPlex 790 and 990. Excludes all Ships Fast systems. Offer expires August 5, 2011.
(contradictory expiration dates)+Free 3-5 day shipping (US)http://www.dell.com/us/business/p/optiplex-990/fs.aspx
http://www.dell.com/us/business/p/optiplex-790/fsNotes:
The "free" 4GB upgrade increases the base price by $80, but includes a separate $80 discount. (theoretical lowest price = $619)
Sales tax will be added, depending on your location
The 90% efficient power supply option (+$30) might be a reasonable upgrade for an HTPC to reduce waste heat
The Radeon HD 6450 is a +$99 option; Street price is closer to $50. For XBMC use, I recommend an nVidia card.

Sample i5-2500 Optiplex 990 Small Form Factor Config (Perhaps HTPC):
OptiPlex 990 Small Form Factor for Standard Power Supply
Genuine Windows 7 Professional, 32-bit, English, No Media
Unit Price $1,362.00
Free 4 GB Memory Upgrade
Expires Thursday, August 11, 2011 - $80.00Save $600 OFF Select Optiplex Desktops priced $1299 or more
Expires Saturday, August 06, 2011 - $600.00Free 3-5 Day Shipping & Handling on select Dell Desktops! Intel Core i5 2500 Processor (3.3GHz, 6M)
Memory 4GB DDR3,Non-ECC,1333MHz Dual Channel SDRAM,2x2GB
Keyboard No Keyboard Selected
Monitors No Monitor
Video Cards 1GB AMD RADEON HD 6450 (1 DP/ DVI), Low Profile
Boot Hard Drives 250GB 3.5 6.0Gb/s SATA with 8MB DataBurst Cache
Mouse No Mouse Selected
Removable Media Storage Device 8X Slimline DVD-ROM, with Cyberlink Power DVD No Media
Power Supplies OptiPlex 990 Small Form Factor Standard Power Supply
Hardware Support Services 3 Year Basic Hardware Service with 3 Year NBD Limited Onsite Service After Remote Diagnosis
TOTAL: $682.00 Sample i7-2600 Optiplex 790 Desktop Config:
OptiPlex 790 Desktop for Standard Power Supply
Genuine Windows 7 Home Premium, 64-bit, English, No Media
Unit Price $1,303.00Free upgrade to 4GB Memory!
Expires Thursday, August 11, 2011 - $80.00Save $600 OFF Select Optiplex Desktops priced $1299 or more
Expires Saturday, August 06, 2011 - $600.00Free 3-5 Day Shipping & Handling on select Dell Desktops! Intel Core i7 2600 Processor (3.4GHz, 8M)
Memory 4GB DDR3,Non-ECC,1333MHz Dual Channel SDRAM,2x2GB
Keyboard Dell KB212-B USB 104 Quiet Key Keyboard,English
Monitors No Monitor
Video Cards 1GB AMD RADEON HD 6450 (1 DP/ DVI), No Adapters Low Profile
Boot Hard Drives 1TB 7,200 RPM 3.5" SATA, 6.0Gb/s Hard Drive with 32MB Cache
Mouse Dell MS111 USB Optical Mouse
Removable Media Storage Device 16X DVD+/-RW, roxio Creator, CyberlinkPowerDVD, No Media
Hardware Support Services 3 Year Basic Hardware Service with 3 Year NBD Limited Onsite Service After Remote Diagnosis
TOTAL: $623.00
Bought Bad Business - Need Good Exit Strategy
Added on : Wednesday August 03rd 2011 03:00:07 PM
Hello FWers. I am a long time lurker of the forums (though I created a new user name for this post in order to spare myself from some shame). I've got several problems I was hoping to get some advice on regarding a bad business deal I entered into.First let me say that I take all the blame for not doing my due diligence and creating this mess I put my family in. I am seeking advice on the best exit strategy for me and my family.The back story: My wife and I drained our savings accounts and investments ($35k) (retirement accounts still intact) to purchase a daycare facility from a less than honest young lady who told us that the center was cash flow positive to the tune of about $1800 a month and was at half capacity. I took her at face value and didn't investigate any further. Based on that information I formed an LLC and bought the business. I personally signed a 3 year lease with the landlord (again thinking I was cash-flow positive). I took out a $5k advance on a low rate CC to cover operating costs and all was well. I would pay the loan off in the first few months and build up a nice operating reserve, then start paying myself back the $35k.The problem: Before the ink was even dry on all the agreements, my wife and I realized that we made a terrible mistake. We bought a new computer for the front desk and started entering all the children's data into the software. That's when I realized that we had been had. There were way less than the 13 children enrolled that she stated (which was in the ad, by the way). Then we realized all the signs we missed. The missing rosters, the needing to sell because her husband's job was transferring him, the paying employees under the table, being behind on all the bills.The recovery: My wife and I will run out of the initial $5k loan in the next two weeks. I can take another $5k (total of $10k CC debt) loan out to run the business for a few more weeks if I wanted. The benefit to that is with the school year starting we might get the other 8 kids needed to break even. The downside is that I might be chasing bad money with good (and further into debt). Right now my goal is to sell the business at a loss (being totally honest with potential buyers) and closer to its true value. I have two potential buyers that have responded to my Ad (for $30k) and are coming to look at it in the next week. My fear is that if I don't sell the business, I am on the hook for the $900/month lease with a dormant business. My personal finances MIGHT allow me to cover the $900/month lease if I have to shut down. The other thought is that it would be easier to sell a running business (even if it's taking a loss) than to sell a business that isn't open.Questions:
1. What is my worst case scenario? Can the landlord take all the business assets, lock me out, and demand settlement of the lease? I have not contacted the landlord to see how flexible he is but I do know now that the previous tenant was at least a month behind on the rent and she was still operating. He is also not local FWIW.
2. Should I stay open? If not, when do I throw in the towel?
3. What is my best case scenario? Sell the business for $30k, pay the $10k CC debt and be thankful to be out from under the lease agreement and have my $20k.
4. When should I contact the landlord and let him know we're having cash-flow problems? I've also thought about offering the business to the landlord to settle the lease. I don't see him going for this option, but I feel like he might negotiate with me for some deferred payments or something until I can sell the business.Any other things you guys can think of would be welcome...including the flames...I'm ready. I know we made a horrible decision, but thankfully we still have our regular jobs and I believe that we can recover from this. Thanks guys/gals! I know you'll have some interesting insight for me. I'll follow up as the story unfolds mostly for learning and entertainment purposes.
Mortgage with high Debt to income, P/T job
Added on : Wednesday August 03rd 2011 12:00:07 AM
Hi fatwallet! Does anyone have experience getting a loan with a high debt to income level? I make $5000 a month and the tax + principal + interest on the house I am looking at is about $2600 a month (assuming a 20% down payment), which gives me a DTI of 52%. The offsetting factors on my part are a credit score of 780, and about $250,000 in the bank, and no other debt. Has anyone here dealt with a lender with a similar DTI?Alternatively, my wife will be working part time and be bringing in about $1000 a month, which would put our DTI at 43%. Are there any lenders who would include her income in the calculation? I've had lenders tell me they wouldn't because she is P/T and has been working less than 2 years.Chase offered to make the loan, but with a 35% down payment. I can do that, but would prefer something closer to 20%. Any experiences would be greatly appreciated.Thanks!
Home refinance options - Which to choose?
Added on : Saturday July 30th 2011 12:00:19 PM
Long time lurker, first time poster. I have a home refinance question for all of you. My main goal is to lower my monthly payment.I have lived in the house for just over 3 years. It was built new for us. The house cost $196k and we financed $179k at 5.99% fixed for 30 years. After a little over 3 years of making payments, we owe about $172k. P&I payment is $1073. PMI was prepaid and wrapped into financed amount.Option 1 - Penfed refinance with a 5 year ARM includes no closing costs (they pay or waive). The rate is 3.625%. However, I would have to get to an 85% equity situation, which means I can only finance about $162k (highly dependent upon the appraisal, which probably goes down every month the way things are). Thinking appraisal would be around $192k. I would have to come up with about $10k to pay down. I know this goes towards my equity and not stupid closing costs, but it would be painful to take this money from my emergency fund as it would just about wipe it out.Other options include refinancing from Fifth Third bank and wrapping the closing costs, about $3k, into the loan. Without putting money into it, I have to pay PMI of about $150 per month. However, I can go for a higher interest rate or buy down the rate (about $4k), to avoid PMI. I can also finance that amount ($4k).Option 2 - Finance $175k (wrap in $3k closing costs). 4.375% 30 year fixed. P&I payment is $874 plus $150 PMI equals about $1025. Not much savings over my current $1073.Option 3 - Finance $175k (wrap in $3k closing costs). 4.875% 30 year fixed. Higher interest rate means no PMI. P&I payment is $926.Option 4 - Finance $179k (wrap in $3k closing costs and $4k rate buy down). Higher interest rate means no PMI, and then buy down rate. 4.375% 30 year fixed. P&I payment is $888.Option 5 - Finance $179k (wrap in $3k closing costs and $4k rate buy down). Higher interest rate means no PMI, and then buy down rate. 2.75% 5 year ARM. P&I payment is $726.I like option 5 best for a savings of about $350 per month over current payment. After two years of payments on this plan, we are back to owing about $171k, what we currently owe. If we stay on our current course, we owe about $157k 5 years from now. Refinancing with option 5, we will owe about $158k 5 years from now.I know the rate could (will) change in 5 years, but we will probably move. The longest we have stayed in the 2 previous homes we have owned is 5 years, and we would like to move many states away at some time in the future to be closer to family. If we do stay and the rate goes up, we would be comfortable there as well.Which option would you choose? Remember, my main goal is to have a lower monthly payment. Are there other options (banks) I should look into?
50% off FamilyLife's Weekend to Remember Getaway!
Added on : Saturday July 30th 2011 03:02:03 AM
Hello all,
If you haven't been to a Weekend to Remember marriage conference, I could not recommend one any higher. These events are just plain phenomenal!! In my opinion, you will leave this event feeling closer to your spouse than you ever have before. Here is how you can save 50% off of the regular price of $318/couple. (This price does not include hotel and meals):When you visit http://www.familylife.com/groups/spousal_oneness , enter spousal_oneness in the "group code box", or click "join group". If you call them, give them that group code and you will save you and your spouse $159 per couple on the Weekend to Remember registration. THATS HALF PRICE! With over 100 getaways in the continental U.S, you can enjoy a Weekend to Remember in a location near you, or plan an unforgettable trip to your favorite destination.For more information, please visit: http://www.familylife.com/groups/spousal_oneness
or call 800-FL-TODAY (800-358-6329) and give them the group name "spousal_oneness"
You can find an event near you here: http://www.familylife.com/site/c.dnJHKLNnFoG/b.5956773/k.A0FE/Fi...**You must register at least one day prior to the event to receive the discount**
The Biggest Loser Ultimate Workout for XBOX 360 $20 @ Amazon (FS with Prime)and @ Newegg with FS for KinectAmazon - Biggest Loser Kinect 360Newegg - Biggest Loser Kinect 360
linkedGE Power Pro X500-BK 16 MP with 15 x Optical Zoom Digital Camera, BlackPrice: $128.54 & this item ships for FREE with Super Saver Shipping 16 MP Digital Camera with 15X Optical Zoom
2.7 Inch auto LCD screen
Built-in 14MB internal memory with SD/SDHC support up to 16GB
Optical image stabilization, face auto exposure, auto scene, and 3200 ISO
--------------------------------------------------------------------------------Product Description
Color: Black
From the Manufacturer
If you want it all, you'll want one of the GE Pro series of bridge cameras. The new X500 is as powerful as it is easy to use. All the latest digital camera technology is seamlessly built in to reflect your own powerful sense of style and capture those priceless memories that define our lives. Get closer to the action and take photos like a pro with the X500 from GE's Pro line of digital cameras. 16 Megapixels with 15x Optical Zoom
The X500's 16 MP lens means your images will be alive with detail, capturing every nuance. A 15x optical zoom (combined with a 6x digital zoom) lets you get close to the action without needing to get right in the middle of it. A vivid 2.7-inch LCD screen with Auto Adjust Brightness lets you frame every shot with ease, letting you see exactly what you're getting with each click.
As powerful as it is easy to use
All the latest digital camera technology is seamlessly built inElectronic View Finder
In addition to the 2.7-inch LCD screen, the X500 has an electronic view finder for more accurate shots in real time and better scene composition.Shoot Video with Ease
Capture all of your videos with ease. The X500 takes MPEG-4 videos in .MOV format with G.711 monaural audio for simple, one-touch recording of those special moments. And they're easy to share using a USB connection or SD card reader.High Dynamic Range (HDR) Adjustment
An in-camera HDR feature adjusts exposure for more detail in light and dark scenes. Get the right balance of detail no matter the lighting conditions. A 3200 ISO improves pictures in low lighting condition for optimal exposure.Optical Image Stabilization with Auto Scene
Correct unintentional camera movements with automatic image stabilization, giving you crisp, clear photos. The Auto Scene feature automatically selects and sets the correct scene type for the sharpest, most vibrant pictures possible.Face Auto Exposure and Smile Detection
Face Auto Exposure enhances facial features detected by the camera for true subject highlighting, making your friends and family jump out of your photos. Smile Detection lets you capture the right moment by allowing the shutter to automatically release when the subjects smile appears.Automatic Brightness Adjustment
An in-camera auto-brightness feature adjusts the camera's LCD viewing screen for more detail in light and dark scenes. Get the right balance of detail no matter the lighting conditions.AA Batteries
Convenient, easy and no-hassle AA batteries keep you on the go. Get 300 shots from regular AA alkaline batteries, or up to 500 shots from AA NiMH batteries.What's in the Box
GE X500 digital camera, 4xAA alkaline batteries, USB cable, shoulder strap, CD-ROM, manual, Quick Start Guide, Feature Guides, warranty card.Technical Specifications
Effective Image Sensor Pixels: 16 Megapixel
Anti-Shake: Optical Image Stabilization
Zoom: 15x Optical, 6x Digital
ISO Sensitivity: Auto, ISO 80 / 100 / 200 / 400 / 800 / 1600/ 3200
Recording: 640480 pixels: 30 fps / 15 fps, 320240 pixels: 30 fps / 15 fps
Still Image: 16MP: 46083456, (16:9) 12MP: 46402608, 8MP: 32642448, 5MP: 25921944, 3MP: 20481536, 0.3MP: 640480
Image Compression: Best, Fine, Normal
Movie Format: MPEG-4 AVC/H.264(MOV)
Audio Format: G.711 Monaural
Still Image Format: Exif 2.2 (JPEG)
Detection Features: Face Detection, Smile Detection, Blink Detection
High Dynamic Range: Yes
Internal Flash: Auto, Red-Eye Reduction, Forced Flash, No Flash, Slow Synchro, Red-Eye Reduction + Slow Synchro
Battery: AA alkaline or NiMH
Dimensions (W x H x D): 4.06" 2.92" 2.68"
Weight: 12.3oz Product Description
GE X500 Power Pro Series Bridge Camera with Electronic View Finder, Optical Image Stabilization, 16MP, 15X Optical Zoom, 2.7"LCD, 27mm Wide Angle Lens and advanced features including Shutter & Aperture Priority mode, Program mode, ASCN, Pan-Capture Panorama, Smile & Blink Detection, Face Detection, Face Auto Exposure, Red-Eye Removal, High Dynamic Range. Power by AA Battery.
HP Touchpad Retail Pricing
16GB $500
32GB $600TouchPad 16GB and 32GB
Staples B&M only
Goto this FW post for $50 Coupon + Taxes
Expires July 16th, 2011
http://www.fullofdeals.com/forums/hot-deals/1111296/ORTouchPad 32GB only
Digital,Etc (3% FatCash)
HP TouchPad 32GB for $550 after Coupon: 1TOUCHPAD549 (Expires July 13, 2011)
Online and No Tax in most states
http://www.fullofdeals.com/Digital-Etc-coupons/offer-514952/ANDTouchPad 32GB only
$50 MIR for Eligible Palm Phone Owners
Expires July 31, 2011
http://blog.palm.com/palm/2011/06/early-adopters-your-new-touchp...
Palm Phone owners (Pre, Pixi, Pre Plus, Pixi Plus) get an email with the above specified MIR offer
Update1: Added "Eligible" keyword to topic title and the list of eligible Palm phones in the post
Update2: $50 Palm MIR eligible only on 32GB Touchpad (Thanks to Tebbid for pointing out). Made changes to title and post to reflect the facts.
Update3: removed "Huge" from title on frett's suggestion.
Update4: Added Digital, etc $50 off coupon for 32GB TouchPad
Goto this FW post for $50 Coupon at Staples B&M only
Expires July 16th, 2011
http://www.fullofdeals.com/forums/hot-deals/1111296/$50 MIR for Eligible Palm Phone Owners
Expire July 31, 2011
http://blog.palm.com/palm/2011/06/early-adopters-your-new-touchp...
Palm Phone owners (Pre, Pixi, Pre Plus, Pixi Plus) get an email with the above specified MIR offerHP Touchpad typical Retail Pricing
16GB $500
32GB $600Update: Added "Eligible" keyword to topic title and the list of eligible Palm phones in the post
Virgin Atlantic Card and a 65,000 bonus miles offer
Added on : Wednesday July 13th 2011 06:00:06 PM
Is the thought of travel making your mouth water, Rudy? Good. Because for a limited time, we're offering up to an amazing 65,000 bonus miles* after qualifying purchases with the Virgin Atlantic American Express Card from Bank of America. That's enough for a round-trip ticket to London and the start of an unforgettable travel experience.Or perhaps you fancy something a little more exotic. With our network of partner airlines (like Continental Airlines and US Airways), you can use your miles to fly to over 100 destinations across the world. This offer is only available for a limited time, so make sure to take advantage of it now. Don't let this chance to explore more fly away! New memories are much easier to make with the Virgin Atlantic Card. You're closer than ever to more rewards because you're earning:

20,000 bonus miles after your first purchase
25,000 additional bonus miles after you spend at least $2,500 in qualifying purchases
15,000 Anniversary bonus miles after qualifying purchases
5,000 bonus miles when adding additional Cardmembers**
1.5 miles for every $1 spent on purchases
3 miles per $1 spent directly with Virgin Atlantic
Tier points that help you ascend to or maintain Silver or Gold status***
Offer good through 8/19/11 $90 annual fee which doesn't appear to get waived for the first year
 
https://www.applyonlinenow.com/USCCapp/Ctl/entry?sc=VAA2IO
Nevada or Wyoming Corp for Small Business
Added on : Wednesday July 13th 2011 06:00:06 PM
I am leaning toward setting up a corporation in Wyoming. Nevada is closer to my state and has similar advantages, but there are more yearly fees as well. I want to setup an a corporation with about 20,000 Cash. I will be purchasing stocks and bonds to provide income. I also plan on having affiliate income be sourced to the Wyoming corp. (Amazon kicked California out). I need to know all of the "gotchas" of incorporating in Wyoming.This thread would probably be helpful to people in a similar situation as mine.
Here is what I found: Start Up Fees:
The initial filing fee for these entities
Wyoming: $100.
Nevada: $75Yearly FeesWyoming
State renewal fee is $50
Certificate of Good Standing - Wyoming: FREE
Annual Licence Tax $50 ??? Do stocks count as assets Wyoming?
Registered Agent - $100 Not sure if required.Nevada:
Certificate of Good Standing - Nevada: $50
State Business License Fee - $200
Nevada "hidden" officer filing fees - $125
Registered Agent - $100 Not sure if required.Summary:
Nevada Start up: $75
Yearly Fees: $475Wyoming Start up:$100
Yearly Fees: $200
Question: What will my annual license tax fee be if I have < $250,000 in assets located and employed in Wyoming?
Answer: The tax is $50. as $250,000 or less in assets pays $50.A Nevada "hidden" officer filing fees of $125 that you learn about only after you start your company there, this fee arrive 30 days after you start your company! Wyoming offers:No personal income tax
No corporate income tax
No gross receipts tax
No inventory tax
4% retail sales tax
Low property taxes
Favorable inheritance tax
Favorable unemployment tax Am I missing anything? Has anyone done this before?
Pioneer Steel Wheels Stereo Head Phones (Silver) - SE-MJ71-SFeatures
Video Features Large 40mm drivers
Video Features 1,200 mW Maximum Input Power
Video Features Real aluminum finish reminiscent of DJ turntable styling
Video Features Compact, light weight folding design with DJ-style swiveling ear cups
Video Features Professionally-inspired sound tuning heightens the presentation and impact of both high and low musical notes
Video Features Compatible with most MP3/portable audio devices including the latest generation iPhone and iPod.
Video Features Unique tuning philosophy makes it easier to time and mix music tracks
Video Features Crystal clear highs, and deep pounding lows get you closer to your music
Video Features A pair of 40 mm drivers handle up to an astounding 1,200 mW of input power
Video Features Extremely efficient at translating the input power into loud, accurate sound due to its high 105 dB sensitivity rating
Video Features Gold-plated mini plug and high quality OFC Litz cord
Video Features On-ear closed monitor design
Video Features Passive sound isolation which minimizes sound leak from the external environment
Video Features Real aluminum plating with a texture that echoes the look of professional DJ turntables
Video Features Ultra-lightweight frame
Video Features Soft leather-type ear pads for the ultimate in comfort
Video Features Compact, folding design
Video Features Warranty: 1 Year Pioneer to End User
Tech Specs
Tech Specs Type: Fully-enclosed dynamic stereo headphones
Tech Specs Impedance: 32 Ohms
Tech Specs Sensitivity: 105 dB
Tech Specs Frequency Response: 5 Hz to 28,000 Hz
Tech Specs Maximum Input Power: 1,200 mW
Tech Specs Driver Units: 40 mm
Tech Specs Cord: OFC litz wire, 3.9 feet (1.2 meter)
Tech Specs PLug: 3.5mm 3P mini-plug (gold plated)
Tech Specs Weight: 4 oz. (without cord)
Use code AFP24SDSKBiggest Loser 12-Month Sub $121
http://mystore.24hourfitness.com/product_details.php?item=400005797224Boddybug SP $141 Works w/ Smartphones
http://mystore.24hourfitness.com/search.php?subcat=148Biggest Loser w/ Display + 12 Month Sub $169
http://mystore.24hourfitness.com/product_details.php?item=400005822056 Boddybug Version 3 $119 (second row search results)
http://mystore.24hourfitness.com/search.php?subcat=23Copy and Paste to your browser if autolink fails
Rent vs. Buy, already underwater on another property
Added on : Wednesday June 29th 2011 03:00:12 AM
I'll try to keep things short. What should I do?Facts:
Own a condo (1 bedroom 1 bath) - 45k underwater. Still paying mortgage of $1600 (Yes, that much...bought in 2007)Liquid assets: $55k
Retirement: $80k
Credit: Excellent (Still paying my mortgage! )Married couple with combined gross income $115k and one baby.Scenario 1:
Buy a 4-5 bedroom house for $250k, rent out condo for $1k per month. Discontinue saving as much. With interest rates at ~4.5%, our mortgage after 20% down and taxes would be roughly $1350... Not much more than renting - see below.Scenario 2:
Rent a 3 bedroom house for $1300 (for space and location closer to work), rent out the condo for $1k per month, continue to save/invest while not owing a bank 200k.
Our idea here is to get more aggressive with our current $55k (more index funds rather than savings/bonds), and to keep pouring money into investments... primarily stock market. We currently invest $4000 per month and would still do that until we had enough to pay for a house with cash. Our estimate is 4-5 years before that is possible - ASSUMING the real estate market doesn't suddenly rebound.I guess our dilemma is this: When renting and buying cost about the same per month, and you have the cash... What do you do??? especially when you've been burned on your only real estate purchase made in 2007.
The Dark Knight (Blu-ray) (Widescreen)
Added on : Tuesday June 28th 2011 09:02:01 AM
The follow-up to "Batman Begins", "The Dark Knight" reunites director Christopher Nolan and star Christian Bale, who reprises the role of Batman/Bruce Wayne in his continuing war on crime. With the help of Lt. Jim Gordon and District Attorney Harvey Dent, Batman sets out to destroy organized crime in Gotham for good. The triumvirate proves effective, but soon find themselves prey to a rising criminal mastermind known as The Joker, who thrusts Gotham into anarchy and forces Batman closer to crossing the fine line between hero and vigilante. Heath Ledger stars as archvillain The Joker, and Aaron Eckhart plays Dent. Maggie Gyllenhaal joins the cast as Rachel Dawes. Returning from "Batman Begins" are Gary Oldman as Gordon, Michael Caine as Alfred and Morgan Freeman as Lucius Fox.
The Dark Knight (Blu-ray) (Widescreen)
Free Holy Rosary and other gifts from The Fatima Network
Added on : Tuesday June 28th 2011 09:00:28 AM
I am NOT trying to make any sort of religious statement, etc. I know that religion and politics are taboo, but I thought there might be some here who would like this offer.From the website, where you can choose your free gifts: "We are pleased to be able to offer you the following items as free gifts. These are provided through the generosity and kindess of many thousands of friends and benefactors and we ask only that you remember them and the intentions of Our Lady's Apostolate in your prayers and at Holy Mass. We pray that these pious sacramentals and holy objects will bring you ever closer to the Sacred Hearts of Jesus and Mary. May God bless you."
TextJustin Bieber Someday 1.7 oz. EDP SprayFREE laptop bag gift w/purc of Justin Bieber Someday $45 Someday fragrance.


Justin Bieber Someday 1.7 oz. EDP Spray. Someday by Justin Bieber is more than just a fragrance: it's energy with a state of mind that inspires.
It is a personal gift straight from his heart, giving fans a chance to get one step closer to Justin. It's a fragrance that drives him wild, making those who wear it irresistible.
So take the experience past the music, beyond the performer and journey deep into a world of possibilities...into the world of Justin Bieber. The new fragrance for her that gives back. Donations to charity are after taxes, expenses and company requirements.While supplies last. Item:#103775
http://www.boscovs.com

Price: $45.00
Career Advice
Added on : Saturday June 25th 2011 12:00:10 PM
I've seen good advice for the most off topic things here at FW, and I was hoping that I could get in on some of it.I graduated college in July of 2010 with a Business Finance degree. After I graduated I got a job as an In-store Banker at a major bank in a remote town in Oregon, which I am currently still employed with. I was hoping that I could work my way into a more professional position using this as an entryway. To make a long story short it hasn't worked out that way. I'm still in the same branch, and am no closer to getting a real job that I want than I was when I graduated last year. My career choice is one as a Financial Analyst, specifically Portfolio Management. IE Working for a mutual fund would be awesome. I took the CFA level I in June, but I wasn't able to join a study group because they're none around my area, and am unsure if I will pass. Grad school is not out of the question, but I will not go until my current student loans are paid off. (I have about 5 years left at the current rate that were going. We have $17,100.08 left.) My college GPA was about 2.9 and is not very competitive during these times. The reason that I want to be a financial analyst is that I am amazing with numbers, specifically in excel. I can have an excel sheet pump out numbers like you wouldn't believe, and can even do VBA programming in them. My internship was at a venture capital company as a Junior Analyst, so I am not without experience. I'm willing to move the family just about anywhere for a decent job.I hate my current position and am in need of a new job, but I am not willing to go jobless and collect unemployment for many reasons. I want to, and like to work, and work hard.I'm currently making $27,000 a year before taxes and FW deal income with a family of 4. I don't want to go into our expense because I follow the other great advice from finances on the other forums. I'm more interested in how to increase my income to provide a better life for my family.There are a couple things I'm trying to figure out, they are:
1 Should I pay for premium recruiting services to help me find a job? I've heard good things about things like Linked In Job-seeker accounts, and resume writers like https://secure.chapmanservices.com/. But $325 for a resume that may or may not help with my low income is questionable.2 Should I get a second job? I really don't want a second job, but am seriously considering it. I really enjoy spending the time with my kids when I get home. PS Wife getting a job is out of the question for personal reasons. My in-store banking hours really suck and I would really need to get a night job like at a gas station that would leave me completely beat all the time. I'm considering doing some stock trading models to see if I can make some money on technical trading analysis.3 Should I change my career choice away from financial analysis? It's not unreasonable to say to me with my low GPA I am a beggar and not a chooser of my career.4 Should I just keep my current job and not rock the boat? Though I'm fairly miserable with the job we are getting by OK. We are certainly staying afloat with our current income. I absolutely am not willing to quit without a new job lined up.Thanks
Wii Fit Everlast Resistance Tubing Strength EnduranceFeatures: Wii Everlast Resistance Tubing
Stretch controller holders
Compatible with games like: Wii Fit & Fit Plus, EA Sports Active, Golds Gym Cardio, Jillian Michaels Fitness Ultimatum, The Biggest Loser
Wii Controllers/Software not included
Take you workout to the next level
Adds strength and endurance
Work you arms, shoulders, stomach and back doing easy exercises
A few questions about credit cards
Added on : Wednesday June 15th 2011 12:00:07 PM
I am just starting out trying to better myself in the financial world.Credit cards, now-a-days, it seems aren't the easiest to come by, at least for myself, I keep getting credit history not long enough, declination.I do have a couple credit cards, some store ones, and one from the bank where I work.Now, I have a few questions about the major (AMEX, discover, citi, etc.) credit cards.
1.) I live with my parents. It asks for household income. I work at a bank and I make around 25,000 a year. My dad is a doctor, and my mom is a nurse, so the total household income actually turns out to be closer to 400,000-500,000 a year, but if I throw out those numbers won't that be fishy?2. a.) I'm curious about CLI, how often you should do it. I have a best buy credit card with an 1,100 limit. I am going to be needing to buy a few things from there (Dishwasher, washer, dryer, tv) when I move out (Should be in the next 6 months). I've had the card for a year, and have always made early payments, and made them way above the minimum payment. (I've only paid like $3.00 in interest so far) And I have taken the card close to the limit a couple of times, but always pay it off very promptly. Would it be prudent to ask for an increase now, and if it isn't respectable (a couple of hundred dollars without a hard pull) ask for another in a month or two time, or will that throw up a red flag?
2.b) Should I do it through the online credit limit increase, or better luck calling?3.) Is there any credit card recommendation. I do have a car in my name (15,000) that i am paying over the payment on time every month, and my Equifax CS is 697, my trans. is 685 and my Ex is a 692.My oldest credit card is about 2 years old
I have
Sears mastercard
Best Buy credit card
United bank mastercard
JCP
Rogers (For the girlfriend)
Macys
PaypalI'm thinking of getting rid of the Macy's card, JCP Card, and the Sears card, because I don't really like them or use them, but I'd rather have a replacement from like Citi or Discover that would be my main credit card.Thank you guys for the help.Loneknight07
One Hot Summer Day T-Shirt $10 Shipped @ Shirt-Woot
Added on : Monday June 13th 2011 06:02:36 AM
One Hot Summer Day T-Shirt $10 Shipped @ Shirt-Woothttp://shirt.woot.com/We call this color: Baby Blue Raspberry With A Creamy CenterDesign Placement: CenteredDesign Size:
3X S: 11 x 7.53
WXL - K4: 8.25 x 5.65Pantone Color(s): Cool Gray 1C - 670C - 7620C - 7694C - Cool Gray 8C - Cool Gray 9C - BlackPlease check our sizing chart before you order. The Woot Tee follows a classic closer-fitting style. If you prefer a baggier look, order a larger size. If there is not a larger size, consider starting a belly-hanging-out trend.
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PenFed NoClosing cost mortgage - PenFed bad faith?
Added on : Friday June 10th 2011 06:00:04 PM
Greetings.I am on my second PenFed no closing cost mortgage, the first one, other then a little lower appraisal, was seemless. It was a 10 year Heloc.This current one I am involved in, is a 5/5 no closing cost ARM (refi). This newest one has been a nightmare. I should note it is a different appraiser and a different processor then the first. The appraisal actually came in higher then I thought... $242K, and I owe $170K. However, the appraiser listed some items that needed to be corrected. A total of $7000, many minor things I fixed over the weekend, and some peeling exterior paint/stained carpet in two rooms, that I couldn't fix over the weekend. Also, the appraiser came after we had had record rainfall, so one corner of the basement was wet. As a result of that, they wanted a foundation inspection. This is a much more solid house then the first one we got the HLOC on 6 months ago, yet this different appraiser/loan processor is picking things apart. The first thing I offered was for them to take off the $7K value, since we far exceeded the value we needed. They wouldn't do this. Then we asked if we could put the money in escrow, for the repairs. They wouldn't do this. This all occurring this week.Then yesterday (Thursday) it seems me came to an agreement. I would repaint some specific areas, and what carpet wouldn't clean, I would replace. The basement, I found a foundation contractor, and all he had to do was certify the foundation was fine. $50. As I was going to make all these improvement anyways, not a big deal. Late yesterday however, PenFed tells me they need to hear back from ServiceMark, their appraisal service.So this morning, Service Mark comes back with all kinds of new conditions to meet, much more then what had previously discussed. It's not good enough to clean/replace the carpet in the two rooms, all the carpet in the house has to be replaced. The entire house has to be repainted, not just the parts that need it. And a foundation inspection now isn't good enough, now the wet basement has to be fixed. All through this, the processor keeps asking me if I wanted to stop... and pay the $300 appraisal and $65 app fee (the amount if owe on a "no closer" if you don't follow through). When she did this this morning, I asked if she was trying to discourage me from proceeding (acting in bad faith), which she denyed. Anyways, we go back a forth a few more times, and when it becomes clear to me they had changed the conditions a third time, and went beyond even what the appraisal called for, I indicted that PenFed was in breach. That being said, I said I still wanted to close if PenFed could indicated some stable unchanging conditions I would agree with. That is the last I heard from them.At this point, I am planning on getting the foundation inspection done, and writing them a final demand letter on Monday, if I don't hear otherwise. As far as I am concerned, they are the ones not proceeding to closing, I've given them options and have asked for stable contingencies, to no avail. What are folks thoughts here? I don't feel I should have to pay the appraisal/application fee, based on their bad faith and in