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Free Kindle Book- The BIG book of Paper Beads (was $9.99)
Added on : Tuesday October 21st 2014 02:00:11 AM
g: 0 Posted By: remick
Views: 42 Replies: 0 http://www.amazon.com/gp/product/B008ADKFJK

4.6 out of 5 stars (41 customer reviews)

3rd edition, revised February 2014 with larger/ better pictures per YOUR request

This really is the BIG book of paper beading. It was designed with the beginner in mind but there's plenty to keep even an experienced beader interested! The wrapping method taught primarily is designed by the Author and is what she teaches in her classes. The paper beads she makes are made to be durable, wearable pieces of art- and YOU can make them too!

It covers a History of paper beads, Paper Ed. 101, Bead board and why that's important, basic beads and shapes: oval, round, cylinder, cone and hourglass. Now let's step it up a notch: it covers simple techniques that make your beads a work of art and moves it into some shapes that are designed exclusively by the Author: two tone, double cuff and flat beads. WAIT! What about those amazing beads coming out of Africa and the Philippines? Yes- those are in there too! As well as so much more!

But the most important part? This is a fun and easy craft that doesn't need any fancy tools or expensive materials. Great for all ages
Totally Free Deals
g: -1 Posted By: galen77
Views: 198 Replies: 2 New working promo code for FanDuel.comwith no expiration date.

Use promo code STACKSwhen you sign up for up to $200 match on your first deposit. This is the highest bonus you can get as of now.
For those of you who doesn't know what FanDuel is here is the gist.
FanDuel is the biggest and most popular fantasy sports website on the net.

100% legal in USA and Canada

You can play for free or for real money.
No season long commitments - most games are 1 day or 1 week long
Play NFL, NHL, NBA, MLB or CFB.
Tournaments, Head-to-head games, 50/50s and Leagues
Safe withdrawals via Paypal or check.
Pretty much they have it all when it comes to fantasy sports.
For full rules about the match bonus, read here.
IMPORTANT NOTE: FanDuel is currently NOT offering paid entry games to residents in the following states :
Arizona, Iowa, Louisiana, Montana or Washington. If you are a resident in one of those states and want to know why is that - read here.


FanDuel.com Deals
g: 0 Posted By: remick
Views: 2 Replies: 0 http://www.amazon.com/Making-Jewelry-Beads-Silver-Beginners-eboo...

Wearing jewelry is essential to helping women developed their own style. For women wishing to create a look that's unique, the last thing they'll want to invest money in is mass produced pieces of jewelry. It's for this reason alone, learning the skills needed for making silver and beaded jewelry could prove extremely beneficial. When it comes to making such pieces you need to know where to purchase the right kinds of supplies. In this book, " Making Jewelry With Beads & Silver Jewelry For Beginners : A Complete Step by Step Guide (Special 2 In 1 Edition)" not only do we discuss what's needed to start your own silver & beaded jewelry making venture but also provide several projects you may want to try out. The actual process of turning a piece of silver into a piece of jewelry is not only very technical, but also allows your artistic side to flourish. Once you've finished making silver jewelry either for yourself or for someone else, it can prove extremely satisfying, especially as you watch the piece develop and grow. In addition, after finishing this book not only will you be able to create unique and stunning jewelry designs with beads for yourself but for others as well. Within this book are some techniques that'll only take a matter of minutes to master, whilst others may require you to spend a little more time practicing them to achieve the right kinds of results. From the outset, this book has been designed for those who have never created jewelry with beads and silver before. However by the end you'll be an expert in the tools of the trade, the supplies you need and some basic skills you can advance upon over time. For more tips and tricks, download " Making Jewelry With Beads & Silver Jewelry For Beginners : A Complete Step by Step Guide (Special 2 In 1 Edition)" now!




also free

The BIG book of Paper Beads (was $9.99)
http://www.amazon.com/gp/product/B008ADKFJK
4.6 out of 5 stars (41 customer reviews)

3rd edition, revised February 2014 with larger/ better pictures per YOUR request Smile
This really is the BIG book of paper beading. It was designed with the beginner in mind but there's plenty to keep even an experienced beader interested! The wrapping method taught primarily is designed by the Author and is what she teaches in her classes. The paper beads she makes are made to be durable, wearable pieces of art- and YOU can make them too!
It covers a History of paper beads, Paper Ed. 101, Bead board and why that's important, basic beads and shapes: oval, round, cylinder, cone and hourglass. Now let's step it up a notch: it covers simple techniques that make your beads a work of art and moves it into some shapes that are designed exclusively by the Author: two tone, double cuff and flat beads. WAIT! What about those amazing beads coming out of Africa and the Philippines? Yes- those are in there too! As well as so much more!
But the most important part? This is a fun and easy craft that doesn't need any fancy tools or expensive materials. Great for all ages


Making Costume Jewelry: An Easy & Complete Step by Step Guides
http://www.amazon.com/Making-Costume-Jewelry-Complete-Ultimate-e...
4.1 out of 5 stars (12 customer reviews)


25 Winter Craft Ideas: Easy Indoor Crafts for Kids
http://www.amazon.com/25-Winter-Craft-Ideas-Seasonal-ebook/dp/B0...
4.0 out of 5 stars (51 customer reviews)


23 Halloween Crafts for Kids: Homemade Halloween Costume Ideas and Spooky Decor
http://www.amazon.com/23-Halloween-Crafts-Kids-Homemade-ebook/dp...
4.3 out of 5 stars (21 customer reviews)


21 Fun Crafts for Kids: Easy Fabric and Paper Crafts for All Four Seasons
http://www.amazon.com/21-Fun-Crafts-Kids-Seasons-ebook/dp/B00OL0...
Amazon Coupons
Starbucks giving out 10 passes "Starbucks for life" Start Dec. 2
Added on : Monday October 20th 2014 03:00:02 PM
g: 0 Posted By: rytangold
Views: 0 Replies: 0 From ABC news:
Listen up, Starbucks addicts: the global coffee chain announced theyll be randomly giving out 10 passes to what they call Starbucks for Life.

This holiday season Starbucks is launching a unique opportunity for a select number of customers to win Starbucks for Life by simply swiping their Starbucks card or paying with their mobile device, the company said in a statement on their innovations for the coming year.

A Starbucks spokesperson confirmed to ABC News that Starbucks will be giving out a total of 10 passes within the United States. And, despite the program being called for life, the winners will actually only receive a drink a day for 30 years.

What could be bigger this holiday than winning Starbucks for Life? This is the first time we have ever offered customers something of this magnitude and what better way than to anchor it with our renowned Starbucks Card program, Starbucks executive vice president and global chief marketing officer Sharon Rothstein said in the statement. This giveaway is poised to bring great excitement and fun to our customers during this special time of the year.

The giveaway will launch Dec. 2 and runs through the first week of January.

In addition to the opportunity to win Starbucks for Life, there will be other items that customers can win. Starbucks was tight-lipped on what those items will be.
Office Depot $25 off $150 in store or online
Added on : Monday October 20th 2014 02:00:03 PM
g: 0 Posted By: naticv
Views: 232 Replies: 0 for those who need it.
expires 10/25/14
coupon pdf
Office & School Supplies Deals

Office Depot Coupons
Gilmore Girls: The Complete Series Collection $70.99 @ Amazon (FSSS)
Added on : Monday October 20th 2014 11:00:09 AM
g: 0 Posted By: paradoxlost5
Views: 138 Replies: 0 Amazonhas Gilmore Girls: The Complete Series Collectionfor $70.99 @ Amazon withfree Super Saver shipping on orders $35+. It's currently at $189.99 at Best Buy.I know this just became available on Netflix, but it's a great deal for those who want to own it.
Movies Deals

Amazon Coupons
g: 0 Posted By: redpoppa
Views: 462 Replies: 5 Link

then click 6 New from $1,372.00See All

So I took the plunge on this....
wish me luck

They did this a while back on the top of the line curved one but that wasn't the tv I wanted so if anyone jumped on that please let me know your experience.

I was looking at BB but $3200 + tax kills it.

Then you have those NJ places ECTV/ABes/Nice etc but I really didn't want to deal with the haggling and the up-charges.

So this was my alternative...


OOS as of 245 cst


LED TV Deals

Rakuten.com Shopping Coupons
Canon Rebel SL1 SLR with 18-55mm lens $485.80 via 6ave on eBay
Added on : Monday October 20th 2014 08:00:08 AM
g: 0 Posted By: OctaneZ
Views: 147 Replies: 3 Canon EOS Rebel SL1 18.0 MP Digital SLR Camera - Black (Kit w/ 18-55mm Lens)

$485.80 via 6ave on eBay

First seen on this article on Canon Watch

DPReview of the SL1

$599 @Amazon with 253 Reviews (4.5 stars)

Ken Rockwell's Sl1 Review for those that like his style

18.0MP APS-C CMOS Sensor
DIGIC 5 Image Processor
3.0" Clear View II Touchscreen LCD
ISO 100-12800, Expandable to 25600
Full HD 1080 Video with Continuous AF
4.0 fps Continuous Shooting
9-Point AF System
Scene Intelligent Auto Mode
Compact and Lightweight; Weighs 0.8 lb
EF-S 18-55mm f/3.5-5.6 IS STM Lens

SLR & dSLR Deals

eBay Coupons
g: 0 Posted By: redpoppa
Views: 164 Replies: 2 Link

then click 6 New from $1,372.00See All

So I took the plunge on this....
wish me luck

They did this a while back on the top of the line curved one but that wasn't the tv I wanted so if anyone jumped on that please let me know your experience.

I was looking at BB but $3200 + tax kills it.

Then you have those NJ places ECTV/ABes/Nice etc but I really didn't want to deal with the haggling and the up-charges.

So this was my alternative...



LED TV Deals

Rakuten.com Shopping Coupons
g: 9 Posted By: remick
Views: 928 Replies: 1 http://www.amazon.com/gp/product/B00OM729CY

The book covers hacking scenarios ranging from the merely mischievous to the criminal, the super hacker known as the Knightmare gives step-by-step instructions in meaningful hacking from a personal computer.

"Secrets of a Super Hacker is a fascinating hacker cookbook that reveals the ease of
penetrating even the most stalwart computer system."


Black Book of Viruses and Hacking
http://www.amazon.com/dp/B00OKRD7UY/

This is the first in a series of three books about computer
viruses. In these volumes I want to challenge you to think in new
ways about viruses, and break down false concepts and wrong ways
of thinking, and go on from there to discuss the relevance of
computer viruses in todays world. These books are not a call to a
witch hunt, or manuals for protecting yourself from viruses. On the
contrary, they will teach you how to design viruses, deploy them,
and make them better. All three volumes are full of source code for
viruses, including both new and well known varieties.
It is inevitable that these books will offend some people.
In fact, I hope they do. They need to. I am convinced that computer
viruses are not evil and that programmers have a right to create
them, posses them and experiment with them. That kind of a stand
is going to offend a lot of people, no matter how it is presented.
Even a purely technical treatment of viruses which simply discussed
how to write them and provided some examples would be
offensive. The mere thought of a million well armed hackers out
there is enough to drive some bureaucrats mad. These books go
beyond a technical treatment, though, to defend the idea that viruses
can be useful, interesting, and just plain fun. That is bound to prove
even more offensive. Still, the truth is the truth, and it needs to be
spoken, even if it is offensive. Morals and ethics cannot be determined
by a majority vote, any more than they can be determined
by the barrel of a gun or a loud mouth. Might does not make right.



Hacking into Linux
http://www.amazon.com/gp/product/B00O49TVOO

Till now almost all Hacking Truths manuals have been Windows centric. However, with the growing popularity of Linux and the fact that Linux is considered to be the Hackers OS, the book "Hacking into Linux" makes you hack any linux system completely!




also free

Internet Traps, Rip-Offs And Pitfalls: Understanding Online Security
http://www.amazon.com/dp/B00M0EWTEY/

YOU ARE IN DANGER

If you use the Internet at home, whether for work or play, you are wide open to serious exploitation unless you take specific measures to protect yourself. Nothing may happen this week, this month, next month, or even in the next year but, as sure as eggs are eggs, it is only a matter of time before you will find yourself under attack. "But I have anti-virus protection already", you might say. Sorry to disillusion you but, although that's good, it's only a small part of the protection you need.

THERE IS MORE TO ONLINE SECURITY THAN JUST AN ANTI-VIRUS PROGRAM!

Real online security is all about:

...the things you need to KNOW

...the things you need to DO

...and the things you need to AVOID doing

to truly stay safe online.

If you are new to the Internet (or perhaps even if you're not so new), you will pick up many useful Internet security tips from this ebook. It is deliberately written in plain English for the 'not so technically minded' and is all about how to get the most out of being online at the same time as guarding against its many dangers.

For example, some of the topics covered include:

...How to get free virus protection

...Other free defenses you should install

...Keeping your children safe online

...Vital information about safe surfing

...How to recognize and avoid online scams

...Securing your PC and its private data

...How to spot unscrupulous marketers

...Guarding your personal privacy online

...Staying safe from criminal intrusion

...Keeping your home Wi-Fi network secure

...Crucial advice regarding password security

and much, much more!

If you are a parent with children who use the Internet at home, at the library or at a friend's house (especially where they might access it unsupervised), it is your duty to have at least the level of understanding that this ebook provides, in order to properly advise them. Internet safety for kids is mostly a matter of advising them what not to do online.

Tech-speak really cannot be avoided but this book includes a comprehensive Glossary Of Terms too, which lists and explains nearly 500 common acronyms and other snippets of jargon peculiar to the world of IT and marketing. In other words, Internet Traps, Rip-offs And Pitfalls (ITRAPS) covers Internet security for those with limited technical know-how as well as Internet security for beginners.

As well as being an incredible communications hub that can link you to a virtual treasure trove of knowledge, the Internet also offers a plethora of work from home opportunities. However, if you want to make money online from home, you need to be very, very cautious. There are thousands of money-making schemes online that are really just traps for the unwary. ITRAPS spells them out and points you in the right direction. The book even has a section on finding the ideal 'work from home' opportunity, if that is what you really want.
Books & Magazines Deals
Free Kindle book: Malaysia Flight MH370 Lost in the Dark
Added on : Sunday October 19th 2014 02:00:05 PM
g: 0 Posted By: Y3ll0wSlack3r
Views: 23 Replies: 0 Malaysia Flight MH370 Lost in the Dark: In Defense of the Pilots: An Engineer's Perspective Book DescriptionPublication Date: April 19, 2014The Pings Have Stopped, But The Questions And The Blame Continue In The Case Of Flight MH370
Missing flight Malaysian flight MH370 isnt in the news as much now. The pings have stopped, and the search has entered a second, much slower phase. It may be months or even years until the families of the lost passengers and crew finally learn what happened in the skies on March 8, 2014.

In the meantime, questions abound and blame seems to inevitably land on the pilots. Captain Zaharie Ahmad Shah and first officer Fariq Abdul Hamid have been characterized as criminals, suicidal maniacs, hijackers, and terrorists. As the mystery continues, so does the speculation about these two men.

In Malaysia Flight MH370 Lost in the Dark, author, engineer, and U.S. Air Force veteran John Choisser proposes a radically different Theory of what happened that day. Choisser walks readers through his detailed research of the information available as he plots out a scenario of a rare accident that exonerates both pilots.

Readers of this book will get to explore the fascinating and tragic disappearance of Flight MH370 like never before. Those who want to educate themselves and come to their own conclusions will appreciate Choissers in-depth analysis of the Boeing 777s various systems. Choisser also tackles some of the most puzzling mysteries surround Flight MH370, like:

>>> Why didnt the passengers answer their cell phones?
>>> Could someone have hidden in the cargo bay?
>>> Could the airplane have flown by itself?
>>> Could someone have hacked the plane and operated it externally?

Choissers short and engaging book is a must-read for anyone who wants to cut through all the confusion and wild conspiracy theories in order to realistically evaluate what truly could have happened to Flight MH370. Choissers intriguing hypothesis will also make readers think twice about the blame and speculation that has swirled around the flights two pilots.

Until Flight MH370 is found the truth cannot be known, but Malaysia Flight MH370 Lost in the Dark, provides a provocative answer that deserves attention and consideration.What Readers Are Saying About Lost in the Dark:
>>> A very insightful and very well-researched read!
>>> Offers more light on the likeliest causes than any other information I have read.
>>>There are so many uneducated rumors out there and this book provides an intellectual compass to help navigate through the effluent of so called expert opinions out there.
>>> Its refreshing to read a perspective that is not based on making headlines and/or proving a point. Very good read.
Totally Free Deals
g: 1 Posted By: fivetalents
Views: 265 Replies: 2 Nordstrom is offering 10% off qualifying beauty and cosmetics items(2,230 itemsto choose from), byover 70 major designer beauty brands.Free shipping and returns apply toall orders, no minimum.

Despite the low percent off value, this is a deal for those of use who use such brandssince department stores rarely ever give percent off discounts on beauty/cosmetics (and you have to rely on gifts with purchase or very limited/specific B1G? offers to increase the value of your purchase). The unlimited free shipping and combining with a high CB offer sweetens the deal.

This likely won't last so order asap (returns are free/low stress).

Beauty Deals

Nordstrom Coupons
g: 0 Posted By: ctgolfer
Views: 145 Replies: 0
Gorgeous Modern design, provides supplemental heat with its realistic flame

Ultra-thin curve panel, Detachable tempered glass, Cold-roll steel sheets
More durable than those fireplaces made of cheaper glass and steel
3D unique design flame,LED illuminant, environmental friendly
More durable than those inferior LED/Bulbs which will droop badly after using only 1 year

Dual security protection, safer and trustworthy

Overheating protection
Current overload protection

Using strip heater with high-quality heating wire

Can be used at least 80 hours continuously
At least50,000 hourslife span

Can also be decorated without heater
Free remote or switches in main body to control fireplace conveniently

Dual heat settings: 750W or 1500W (Low or High)
2 levels of dancing flame effects

Free pebbles to create more natural fire effect
Energy efficient, Low noisy, NO emissions, NO pollution
UL, GS, CE,ROHSCertificated
2 Years Warranty


www.ebay.com/itm/36-x22-1500W-Wall-Mounted-Electric-Fireplace-He...
Appliance Deals

eBay Coupons
Infamous: Second Son - PlayStation 4 $29.99 @ Best Buy
Added on : Sunday October 19th 2014 08:00:05 AM
g: 0 Posted By: ctgolfer
Views: 162 Replies: 0 Become superhuman Delsin Rowe, on the run from the oppressive Department of Unified Protection
Live with the consequences of your actions as you search for other superhumans to help save those you love from being ruthlessly hunted down
Discover a world where superhumans with amazing abilities walk among us

www.bestbuy.com/site/infamous-second-son-playstation-4/8677151.p...
PS4 Games Deals

Best Buy Coupons
g: 0 Posted By: ctgolfer
Views: 91 Replies: 0 Dive into a new Middle-earth chronicle, set between the events of The Hobbit and The Lord of the Rings, in an epic tale of revenge and redemption
Become the resurrected Ranger of the Black Gate, Talion, on a relentless vendetta against those who ruthlessly took everything your friends, family and even your very life from you
Fight to discover the truth of the vengeful spirit who resurrected you as you uncover the origins of the Rings of Power
Build your legend, develop your powers and ultimately confront the evil of Sauron your ability to exploit weaknesses and fears in your enemies is your greatest weapon to dismantle Sauron's forces from within
Unleash the other-worldly Power of the Wraith to master powerful skills and weaponry, then inflict brutal and deadly combos as you harness the Spirit of vengeance
The Nemesis System affects how the stats, appearance and personality of each nemesis are different for every player no one else will have an exact same nemesis, as the game generates unique, dynamically created enemies
Turn your foes against one another by forcing them to assassinate, terrorize, sacrifice or spy as you bend Mordor to your will
Defeat your enemies to earn rune rewards that help you advance your skills and abilities and upgrade to more powerful weaponry
Battle against three types of Uruk, including Warchiefs, Captains and Grunts, as you progress through the action-packed landscape of Mordor

Best Buy
www.bestbuy.com/site/middle-earth-shadow-of-mordor-playstation-4...

Amazon
www.amazon.com/Middle-Earth-Shadow-Mordor-PlayStation-4/dp/B00GM...
PS4 Games Deals

Best Buy Coupons
g: 0 Posted By: remick
Views: 86 Replies: 0 http://www.amazon.com/gp/product/B00OM729CY

The book covers hacking scenarios ranging from the merely mischievous to the criminal, the super hacker known as the Knightmare gives step-by-step instructions in meaningful hacking from a personal computer.

"Secrets of a Super Hacker is a fascinating hacker cookbook that reveals the ease of
penetrating even the most stalwart computer system."


Black Book of Viruses and Hacking
http://www.amazon.com/dp/B00OKRD7UY/

This is the first in a series of three books about computer
viruses. In these volumes I want to challenge you to think in new
ways about viruses, and break down false concepts and wrong ways
of thinking, and go on from there to discuss the relevance of
computer viruses in todays world. These books are not a call to a
witch hunt, or manuals for protecting yourself from viruses. On the
contrary, they will teach you how to design viruses, deploy them,
and make them better. All three volumes are full of source code for
viruses, including both new and well known varieties.
It is inevitable that these books will offend some people.
In fact, I hope they do. They need to. I am convinced that computer
viruses are not evil and that programmers have a right to create
them, posses them and experiment with them. That kind of a stand
is going to offend a lot of people, no matter how it is presented.
Even a purely technical treatment of viruses which simply discussed
how to write them and provided some examples would be
offensive. The mere thought of a million well armed hackers out
there is enough to drive some bureaucrats mad. These books go
beyond a technical treatment, though, to defend the idea that viruses
can be useful, interesting, and just plain fun. That is bound to prove
even more offensive. Still, the truth is the truth, and it needs to be
spoken, even if it is offensive. Morals and ethics cannot be determined
by a majority vote, any more than they can be determined
by the barrel of a gun or a loud mouth. Might does not make right.



Hacking into Linux
http://www.amazon.com/gp/product/B00O49TVOO

Till now almost all Hacking Truths manuals have been Windows centric. However, with the growing popularity of Linux and the fact that Linux is considered to be the Hackers OS, the book "Hacking into Linux" makes you hack any linux system completely!




also free

Internet Traps, Rip-Offs And Pitfalls: Understanding Online Security
http://www.amazon.com/dp/B00M0EWTEY/

YOU ARE IN DANGER

If you use the Internet at home, whether for work or play, you are wide open to serious exploitation unless you take specific measures to protect yourself. Nothing may happen this week, this month, next month, or even in the next year but, as sure as eggs are eggs, it is only a matter of time before you will find yourself under attack. "But I have anti-virus protection already", you might say. Sorry to disillusion you but, although that's good, it's only a small part of the protection you need.

THERE IS MORE TO ONLINE SECURITY THAN JUST AN ANTI-VIRUS PROGRAM!

Real online security is all about:

...the things you need to KNOW

...the things you need to DO

...and the things you need to AVOID doing

to truly stay safe online.

If you are new to the Internet (or perhaps even if you're not so new), you will pick up many useful Internet security tips from this ebook. It is deliberately written in plain English for the 'not so technically minded' and is all about how to get the most out of being online at the same time as guarding against its many dangers.

For example, some of the topics covered include:

...How to get free virus protection

...Other free defenses you should install

...Keeping your children safe online

...Vital information about safe surfing

...How to recognize and avoid online scams

...Securing your PC and its private data

...How to spot unscrupulous marketers

...Guarding your personal privacy online

...Staying safe from criminal intrusion

...Keeping your home Wi-Fi network secure

...Crucial advice regarding password security

and much, much more!

If you are a parent with children who use the Internet at home, at the library or at a friend's house (especially where they might access it unsupervised), it is your duty to have at least the level of understanding that this ebook provides, in order to properly advise them. Internet safety for kids is mostly a matter of advising them what not to do online.

Tech-speak really cannot be avoided but this book includes a comprehensive Glossary Of Terms too, which lists and explains nearly 500 common acronyms and other snippets of jargon peculiar to the world of IT and marketing. In other words, Internet Traps, Rip-offs And Pitfalls (ITRAPS) covers Internet security for those with limited technical know-how as well as Internet security for beginners.

As well as being an incredible communications hub that can link you to a virtual treasure trove of knowledge, the Internet also offers a plethora of work from home opportunities. However, if you want to make money online from home, you need to be very, very cautious. There are thousands of money-making schemes online that are really just traps for the unwary. ITRAPS spells them out and points you in the right direction. The book even has a section on finding the ideal 'work from home' opportunity, if that is what you really want.
Books & Magazines Deals
g: 0 Posted By: Flatbob
Views: 128 Replies: 1 TigerDirect has a pretty good Windows 7 Pro system on sale for $299.99 after $50 coupon. Shipping adds $12.74 for me, but you can get a $10 coupon here.

I bought one, and it has some nice features:

Windows 7 Pro 64-bit installed, but Windows 8.1 Pro installation/driver disks are included if you want to upgrade. (There are installation/driver disks for Windows 7 as well.)
AMD Quad-Core A4-5000 processor (1.50GHz)
1 TB 7200 RPM hard drive (mine has a WD Blue)
Wireless card with a dual-cabled external antenna
DVD-RW drive
DVI
2 USB 3.0 ports in front
On-site, limited warranty 36 months for parts and 36 months for labor from HP

There is only one 2GB PC3-12800 SDRAM module installed, so you'll need to add another 2GB stick at the minimum.

Link to purchase and see complete details

Enter DJD144808 after you add it to your cart to get $50 off (coupon expires 10/19/14 at 11:59 PM ET)

As I said, there is a shipping charge, but you can add some items that don't have free shipping to your order without increasing the shipping charge. You're basically getting free shipping on those items.
Desktop Computer Deals

Tiger Direct Coupons
g: 0 Posted By: h2oefx
Views: 170 Replies: 0 Linky

Product DescriptionCapacity: 32GbToshiba FlashAir II 32GB Wireless SD Memory CardWant to share photos anytime, anywherewithout the hassle of pulling the memory card from your camera? The FlashAir II Wireless SD Card is your ticket to ultimate convenience, letting you share your lifes moments with others wirelessly and instantly, right from a tablet, PC or smartphone. Like all SD cards, the FlashAir II holds lots of pictures, videos and filesnow with capacity up to 32GB. Yet the FlashAir II is so much more than a simple storage device. By creating its own wireless LAN access point, the FlashAir II lets your friends and family view pictures on your camera through a browser on your PC, smartphone or tablet, quickly, easily and securely. They can download them, too. All they need is a wireless LAN connectionno special driver, software, cables or even an Internet connection. Built to last thanks to Toshiba innovation, the FlashAir II Wireless SD Card is guaranteed to make sharing photos and videos more fun and social than ever.Amazing Wireless ConvenienceIn the old days, you had to pull an SD card from your camera and upload pictures to a PC in order to share them. Not anymore. The FlashAir II Wireless SD Card includes a wireless LAN chip plus an antenna that makes it accessible to any WLAN-capable PC, smartphone or tablet. Its internet pass-through feature allows you to access the card and the internet at the same time. Thats great news for those who want to upload and share photos of kids soccer games or stunning tropical sunsets just seconds after they happen.Faster and Roomier Than EverNow enhanced with Class 10 speed, FlashAir II Wireless SD Card enables super-fast data transfers so you can upload your images and videos within seconds. It also offers higher storage capacitieseither 16 GB or 32 GBso youve got plenty of room for photos and memories galore.Easy as Can BeThe FlashAir II Wireless SD Card is ultra easy to useand compatible with most digital cameras. Forget about special drivers, software or carrying cables just for data transfer. Simply slide the card into your digital camera or camcorder. Its built-in wireless LAN access point requires no Internet connection to share pictures on devices or social networksjust your excitement.All-Access. All at Once.The FlashAir II Wireless SD Card support simultaneous access from up to seven devices. So you can take photos with your digital camera and they can instantly be accessed and stored on multiple PCs, Macs, Ultrabooks, tablets or smartphonesall at the same time. Best yet, no internet connection is required to access them. So as soon as your images are uploaded, your friends can take a look. And a free FlashAir app makes it easy to share with iOS and Android devices.
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Reflective Pet Safety Clothing 99 Shipped @ Meritline (was $4.29)
Added on : Friday October 17th 2014 07:00:14 AM
g: 0 Posted By: yoshi64
Views: 208 Replies: 0 Reflective Pet Safety Clothingis on Daily Deal for 99 (Free Shipping) at Meritline.

"Suitable for Teddy, Bichon, Poodle, Chihuahua."

Apply coupon code MLCE17PN at checkout to receive $3.30 off, bringing it down to 99

I suppose for the price, could be a deal for those with small dog(s) that they walk (at night?)
Pets Deals

Meritline.com Coupons
g: 0 Posted By: remick
Views: 199 Replies: 0 http://www.amazon.com/gp/product/B00BLVGPRO

4.5 out of 5 stars (44 customer reviews)

You dont have to be perfect to be a man of God. As Dr. Charles Stanley writes, a man of God is a maturing man, a striving man, a knowledgeable man. And the first step in real manhood is spiritual rebirth.

In Man of God, Dr. Stanley asks and answers questions such as these:

What can we learn about manhood from Jesuss example?
How does a true leader allow God to lead him?
Why is a godly man both velvet and steel?
What does it look like to be a provider?
What does it mean to lead with sensitivity?

Man of God will challenge and equip you to become a better leader, teacher, father, and husband. What makes a man? The answer starts here.



also free

Finding God When You Need Him Most
http://www.amazon.com/gp/product/B00B85CLW6
4.7 out of 5 stars (104 customer reviews)

In this encouraging book, Chip Ingram reveals how readers can meet God in the midst of their most difficult circumstances. Chip's candid discussion, personal stories, and solid guidance will allow readers to move from "knowing about God" to profoundly experiencing his presence and power in their lives. Whether they're struggling with rocky relationships, unexpected crises, depression, or injustice, Finding God When You Need Him Most will remind readers that the Lord is faithful to hear their heart's cry and will be there for them, time and again.



Living Free, Like You're 3!
http://www.amazon.com/gp/product/B00ENTJ942
4.6 out of 5 stars (7 customer reviews)

"Unless you change and become like little children, you will never enter the kingdom of heaven. Therefore, whoever humbles himself like this child is the greatest in the kingdom of heaven." - Matthew 18:3-4 (NIV)
In Living Free, Like Youre 3!, Alicia V. Sharpe uses these words from Jesus in Matthew to relate the freedom that three year olds experience to the freedom we adults could live out if we simply held an attitude that resembles young children. She uses this idea and highlights these principles by including scripture and real life stories covering issues such as trust, forgiveness, love, and freedom in Christ, so that we can be real with one anotherall traits that a young child lives out every day.



Swept Up by the Spirit Journey of Transformation
http://www.amazon.com/dp/B008HQWU1G
4.8 out of 5 stars s (58 customer reviews)

The author, Gary Garner, a confident, designer/building contractor of luxury homes becomes overwhelmed by the unprecedented mortgage/ housing crisis of the mid 1970's. Mired in darkness, shackled with debt, depressed and suicidal, with no faith and seemingly no place to turn for help, the Holy Spirit orchestrated an almost unbelievable awakening that would set his family on a most incredible journey- and which launched him on a lifetime evangelical mission.
Swept Up by the Spirit,Journey of Transformation is an account of this journey, relating many of the ways Jesus and the Holy Spirit supernaturally entered into his daily life and the lives of family members and others, intercepted, redirected and empowered them. The book recounts actual events, many in workplace settings, described just as they happened ,telling of a radical transition from worldly choices and near devastation to the Glory of Gods kingdom and the pursuit of His will. The book is filled with that most wonderful discovery of the Holy Spirits presence and redemptive involvement in everyday life, often at the least expected times and places.
Does the Holy Spirit still act powerfully in events and lives of ordinary people- in the very moment? Just like Acts of the Apostles! Join us on this journey and allow the Holy Spirit to lift you to new heights that may astound you.



Rediscovered Early Church PreMillennialism: Teachings of the Earliest Church Fathers on Prophecy
http://www.amazon.com/gp/product/B00N6ETVK2

Finally! What Christians have searched for since the Reformationthe early church premillennial view of prophecy.
Today, all discovered writings of the earliest church fathers have been compiled in the ten-volume collection The Ante-Nicene Fathers, Translations of the Writings of the Fathers Down to A.D. 325. Learn what those who lived closest to Christs disciples taught about:

 The Rapture of the Church
 Signs that Precede Christs Return (are they now unfolding?)
 The Tribulation (they interpreted it differently than today)
 The Antichrist (their insights into this coming evil world leader)
 The Wrath of the Lamb
 Armageddon
 The Millennium
 The New Heaven and New Earth . . . and much more . . .

You will find how simple Bible prophecy is when interpreted as the earliest church fathers knew how to interpret it.



Be Careful What You Ask For
http://www.amazon.com/gp/product/B00E3HESM2/

Reflections on the Lord's Prayer in Luke's Gospel
A series of essays that reflect on the Lord's Prayer as it appears in the gospel of Luke, phrase by phrase. Consideration is given to how the phrases are expanded and explained in the parables and teachings contained in the rest of the gospel. Also considered are the roots of key concepts in the Hebrew scriptures. Ramifications of different phrases in contemporary American society are mulled. Some will laugh, some will frown, some will nod in agreement and some will spit nails. And some may do all of these things. If this provides food for thought and reflection, it has reached its goal. If it provides some nourishment for your journey, it will have been worth the writing.
Books Deals

Amazon Coupons
g: 0 Posted By: remick
Views: 42 Replies: 0 http://www.amazon.com/gp/product/B00K64GIGU/

5.0 out of 5 stars (8 customer reviews)

One of the Hottest Minecraft Constructing Guides of the year!!!Constructing Minecraft: How to Build BIGGER and Smarter in MINECRAFT (with step-by-step instructions)

Greetings dear reader and thank you for dedicating the time to read my Minecraft building guide! I am sure that you are eager to create awesome buildings, but I would like to take a moment of your time to talk about this eBook. You need to know that I wont just teach you how to build by presenting you with a bunch of blueprints. Instead, my goal is to help you learn advanced design principles so that you can allow your own imagination to grow outside its current boundaries and as such you will learn how to build bigger and smarter!

All of the buildings presented in this eBook will be shown step-by-step and you will be able to see exactly how they are created. But more importantly, I will also aim to show you the full thinking process behind the patterns that I use. For convenience sake I created all of these buildings in creative mode, but I will include a list of resources (and their alternatives) in case you want to make them legitimately in survival mode. The builds shown here are rather cool and pretty fun to make on a multiplayer server so feel free to get your friends in on the project!



also free

Minecraft: 2 in 1 Minecraft Game Guide Episode 1
http://www.amazon.com/gp/product/B00JPNO6NA

The game Minecraft is a sand box indie game that was an original creation of Markus Persson, a Swedish programmer who is famously known as Notch. On November 19th, 2011, a man by the name of Jens Bergensten, also known as Jeb, took over to allow Markus to concentrate on other things. It was released to the public on the 17th of May 2009. By that time, it was an alpha version which was updated before the fully published release version in 2011. Before this, an android version had been released earlier on in October 7th. After publication, the game was released on Xbox 360 as an Xbox Live Arcade game. The co-development was by 4J studios. Just like all other online games, Minecraft has periodic updates to make it current.

Minecraft is a game by Mojang that is fulfills the dreams of adventure game and creative game fans out there. It started as an indie game and is now one of the most played games out there. Minecraft is a sandbox game where you play as a lone survivor on an island with no tools, food and shelter. Gather resources from scratch, craft materials and build items in order to survive.
Minecraft is a game with endless possibilities of creating anything you want. It is like your very own universe. Test your survival skills in the Survival game mode where you have to build everything from scratch and face enemies that lurk in the night. Exercise your creativity in Creative mode with infinite resources that makes it possible to build your dream city.
Minecraft Game Guide contains all the information you will need to understand the game and the basics. If you want to know how to survive your first night, how to survive in the long run, information about different tools, how to defeat mobs and many more, check out this guide. This guide will serve as thorough learning tool for new players and a refresher for those who have not played in a while.
Totally Free Deals
New Balance 10 Men's Running Shoe $39.99 + SH @ Joe's New Balance
Added on : Thursday October 16th 2014 10:00:06 PM
g: 0 Posted By: ctgolfer
Views: 159 Replies: 0 shipping adds $6.95



Minimus is a whole new approach to footwear, a new place on the spectrum from barefoot running to the traditional maximum-cushioning running shoe. Inspired by Good Form Running and designed to be worn with or without socks. With only a 4mm drop* from heel to toe, as little as a third of that of a traditional running shoe, the Minimus collection holds a world of discovery for neutral runners as well as those with gait issues or chronic injury to conquer by learning better form.
*4mm drop: due to variances created during the development and manufacturing processes, all references to 4mm drop are approximate
Innovative REVlite midsole provides premium responsiveness and durability at a 30% lighter weight than other foams with comparable performance
Vibram outsole provides maximum surface contact and multi-directional traction
Barefoot friendly internal construction
No sew overlays in optimal areas
Odor resistant
Lightweight mesh upper
Color: Lime with Blue Atoll & Blue
Shoe Last: NL-1
Weight: 184 grams (6.5 oz)

www.joesnewbalanceoutlet.com/detail.asp?style=MR10YB2
g: 1 Posted By: remick
Views: 651 Replies: 0 http://bitfountain.io/course/mini-iOS8/?couponCode=loyalcustomer...

iOS 8 has brought upon many new libraries to develop with, and even a new language - Swift! No longer to iOS developers need to deal with the bulky syntax of Objective-C. Swift is fast, clean, and built for the future.

This introduction course takes you through the process of making your first few iOS 8 apps in Xcode 6 with the Swift language. We'll show you how to download Xcode, set up and customize views graphically, and take you through the basics of Swift. By the end you will have built a simple adventure game called Age of Laika.



Kindle book

Creating Mobile Apps with Xamarin.Forms, Preview Edition (Developer Reference)
http://www.amazon.com/Creating-Xamarin-Forms-Preview-Developer-R...

Written by programming legend Charles Petzold and created jointly by Microsoft Press and Xamarin Inc., this Preview Edition ebook is about writing applications for Xamarin.Forms, the new mobile development platform for iOS, Android, and Windows Phone unveiled by Xamarin in May 2014. Xamarin.Forms lets you write shared user-interface code in C# and XAML (the eXtensible Application Markup Language) that maps to native controls on these three platforms. (The final edition of this ebook will be published in the spring of 2015.) This ebook is for C# programmers who want to write applications for the three most popular mobile platformsiOS, Android, and Windows Phonewith a single code base. Xamarin.Forms also has applicability for those programmers who want eventually to use C# and the Xamarin.iOS and Xamarin.Android libraries to Target the native application programming interfaces (APIs) of these platforms. Xamarin.Forms can be a big help in getting started with these platforms or in constructing a prototype or proof-of-concept application. This ebook assumes that you know C# and have some familiarity with the use of the .NET Framework. However, when it describes some C# and .NET features that might be somewhat new to recent C# programmers, the ebook adopts a somewhat slower pace. In particular, the introduction of the async keyword and await operator in Chapter 3 follows a discussion that shows how to do asynchronous programming using traditional callback methods.



Services Deals
g: 0 Posted By: remick
Views: 222 Replies: 0 http://bitfountain.io/course/mini-iOS8/?couponCode=loyalcustomer...

iOS 8 has brought upon many new libraries to develop with, and even a new language - Swift! No longer to iOS developers need to deal with the bulky syntax of Objective-C. Swift is fast, clean, and built for the future.

This introduction course takes you through the process of making your first few iOS 8 apps in Xcode 6 with the Swift language. We'll show you how to download Xcode, set up and customize views graphically, and take you through the basics of Swift. By the end you will have built a simple adventure game called Age of Laika.



Kindle book

Creating Mobile Apps with Xamarin.Forms, Preview Edition (Developer Reference)
http://www.amazon.com/Creating-Xamarin-Forms-Preview-Developer-R...

Written by programming legend Charles Petzold and created jointly by Microsoft Press and Xamarin Inc., this Preview Edition ebook is about writing applications for Xamarin.Forms, the new mobile development platform for iOS, Android, and Windows Phone unveiled by Xamarin in May 2014. Xamarin.Forms lets you write shared user-interface code in C# and XAML (the eXtensible Application Markup Language) that maps to native controls on these three platforms. (The final edition of this ebook will be published in the spring of 2015.) This ebook is for C# programmers who want to write applications for the three most popular mobile platformsiOS, Android, and Windows Phonewith a single code base. Xamarin.Forms also has applicability for those programmers who want eventually to use C# and the Xamarin.iOS and Xamarin.Android libraries to Target the native application programming interfaces (APIs) of these platforms. Xamarin.Forms can be a big help in getting started with these platforms or in constructing a prototype or proof-of-concept application. This ebook assumes that you know C# and have some familiarity with the use of the .NET Framework. However, when it describes some C# and .NET features that might be somewhat new to recent C# programmers, the ebook adopts a somewhat slower pace. In particular, the introduction of the async keyword and await operator in Chapter 3 follows a discussion that shows how to do asynchronous programming using traditional callback methods.



Services Deals
Free Kindle Book- The Truly Offal Recipe Book & other cookboooks
Added on : Thursday October 16th 2014 07:00:11 AM
g: 0 Posted By: remick
Views: 84 Replies: 0 The Truly Offal Recipe Book: How to Cook the Parts Others Throw Away
http://www.amazon.com/dp/B00OI2UIKS/

Cooking with offal is an exciting, rewarding and CHEAP way to put healthy and hearty meals on the table. In this book Curtis Pritchard has compiled over 45 authentic recipes from around the world showing you how easy and delicious it is to cook beef hearts, lambs brains, chicken livers, calf's testicles and much much more.
These recipes are offal, not AWFUL!!!



MAD FONDUE: Vintage Fondue Recipes for Fun Retro Dinner Party Food
http://www.amazon.com/dp/B00JSY2XNQ
4.8 out of 5 stars (13 customer reviews)

Dine and party like the Drapers on Mad Men -- fondue style.
Thanks to the popular Mad Men series, mid-century dining is in with all its vintage recipes, and that includes the wonderful retro party fondue dinners for yourself and for your friends. If you're a fan, you remember Betty Draper's fondue party. MAD FONDUE: Vintage Fondue Recipes for Fun Retro Dinner Party Food helps you plan your own retro fondue party in mid-century style. Comes with FREE SWEET Fondue recipe bonus gift, too.

From Retro to Modern, Fondue Recipes and Party Ideas
Mad Fondue: Vintage Fondue Recipes for Fun Retro Dinner Party Food is a guide and resource to help you with your classic fondue dining and entertaining. From Betty Crocker's tips for good fondue etiquette to classic vintage fondue recipes to the new retro fondue with a 21st century twist, you'll find all you need to create your own fondue party. Here are some of the things you'll discover:
The fondue ritual; Who created fondue and why; What you need to fondue; Retro fondue party tips; 30 fondue recipes; Classic and traditional fondue recipes; Fondue traditions and etiquette; Fondue preparation and dining tips; Suggestions for fondue dippers and pairings; Zombie Fun and other vintage food and drink; Suggestions for cheese and wine; 'Mad Men' fondue trivia and themed parties; National Fondue Day; Modern twists on classic vintage fondue recipes and more.
Fondue never really goes out of style, because at its heart, it is all about food and people. Now that's a good pairing. Fondue dining offers a wonderful communal food experience. A little wine, a little cheese; how can that not be the setting for a merry meal? Let's have some fun, Mad Fun, with fondue.



Victoria Beckham's Roadkill Cookbook: The thin woman's guide to cooking
http://www.amazon.com/gp/product/B00B0F0LGM/

An extremely useful and much needed cookbook in which Victoria Beckham gives rein to another of her talents. Be it on motorway, freeway, autobahn, autostrade, highway or byway you will never view a dead animal in quite the same way again.



101 Best Soups & Stews: Easy & Delicious Gumbos, Chowders & Chili Recipes
http://www.amazon.com/gp/product/B00BF5XSYY/

There is nothing more warming than sitting down to a good, hot, delicious bowl of soup in the winter. However, soup is not the only thing that can warm you heart and soul, during those gray, windy, snowy days chowder, chili, stews, gumbos and cheesy/creamy soups can also do the trick.
This book contains 101 of the best soup and stew recipes, including the aforementioned other types of soup-like dishes, that you will find in one place. There are a variety of food categories as well, including beef, chicken and turkey, lamb, pork, ham and bean. You will also discover how to make soups and stews with seafood and vegetables, some of which you may not have heard of yet.
This recipe book was designed to bring flavor into your life and happiness to your stomach! Enjoy! Try something new! You never know what your taste buds will thank you for!



$5 Meals Cookbook: 50 Budget Friendly Recipes
http://www.amazon.com/dp/B00ODSH2OW

Stretch that dollar in style without having to sacrifice your favorite meals. This book shows you how to eat healthy on a small budget, whether cooking at college, feeding a family or just trying to live frugally. Its a perfect cookbook for those with a limited budget. The cookbook is loaded with healthy recipes that take extremely little time to prepare and have very few ingredients that are relatively cheap. Most of the ingredients are typical items found in almost every kitchen; there are no exotic spices in the cookbook that you have to go searching for all over the town.
We can't calculate how much it will cost at your store to make these meals but we've included our favorite low cost meals that cost us $5 or less.
About the Author

Nancy F Thomas is a stay-at-home mom who loves to try new recipes. When she finds one, she tries it out, leaving out the ingredients her kids won't eat, of course, and alters it to everyone's liking. She is determined that you will absolutely love more than 50 of these delicious recipes not everyone likes everything! But it is her guarantee that there is something for everyone to enjoy.
Check out the Italian Wedding Soup and Creamy Carrot Soup two of her family's favorites, not to mention the Black Bean Soup and many, many others. As a recipe changer herself, she encourages you to do the same, substituting out any ingredients you don't care for and replacing them with something you love!
Food is love, so from her family to your XOXOXO!



Easy Budget Meals: Meals, Desserts and Entertaining
http://www.amazon.com/dp/B0081QL32Y
4.8 out of 5 stars (6 customer reviews)

I hope you love cooking as much as I do. My strong beliefs are that we are what we eat and fresh healthy food is a requirement for my meals. I am not overly wild about this but I try to make my meals as healthy and tasty as possible. I learned many years ago that "Lots of onion, garlic and herbs maketh a meal."

Totally Free Deals
Negotiating salary
Added on : Thursday October 16th 2014 07:00:11 AM
g: 0 Posted By: misterfixit
Views: 79 Replies: 1 For those that have had experience negotiating, I wanted to see if you might be able to provide me with some guidance on the best way to proceed.

I'm in a very specialized mechanical/electrical field. There aren't a lot of people that do the kind of work that I'm in and I have some clearances that make me particularly valuable. I am in the process of gaining a certification that is basically the "gold-standard" for my field. I should have this within 1 year. I've already been through the hard parts.

I have received an offer from company X for about $200k. The current person at the company is doing a job very close to what I would be doing and he is leaving, thus they are looking for me to replace him. The guy that I am replacing has the gold-standard certification that I spoke of, but it doesn't make him any more capable of performing the job. The offer is good and I like the company, however I know the guy that I will be replacing and he is making a lot more (~30% more) than I would be in the same job. I know this guy very well and he did say that I am by far their #1 candidate and the others that have interviewed for the job are not people they want to hire. I asked him if he thought I could get what he is getting and he said "potentially." This is probably not the most desirable location, either, so I think it would be hard for them to find someone else with my credentials. They have been ringing my phone off and I know they really want me to come on-board.

How would you approach this kind of negotiation? I can't come right out and say that I want what the current guy is getting because I'm pretty sure he wasn't supposed to tell me. I also don't have the gold-standard certification (yet), so they could just come back with that.

Any advice would be appreciated. Thanks for your help.
Vermont Creamery Bijou, 2 oz (Pack of 15) $6.99 (price mistake) @ amazon
Added on : Thursday October 16th 2014 02:00:04 AM
g: 0 Posted By: tommythe
Views: 204 Replies: 1 linkyyyyyyyyyyyy this has to be a price mistake as just 1 of thoseArtisan handcrafted Cheeses can cost easely $7 ships in 9-10 days
Food Deals

Amazon Coupons
Bulova Precisionist Longwood SS Watch, 96B130, $119 shipped from Ashford
Added on : Wednesday October 15th 2014 12:00:03 PM
g: 0 Posted By: cga
Views: 99 Replies: 1 Bulova Precisionist

Ashford is selling the Bulova men's Precisionist Longwood Stainless Steel Watch, 96B130, for $119, with the code--DNEWSLONG119 . Deal is good through October 19, or perhaps sooner if they run out.

The watch is 44 mm without the crown, stainless steel throughout, and features a very accurate special quartz movement. Bulova used to advertise the Precisionist line as being accurate to within 10 seconds a year. I'm not sure if they're still promising that. I currently own three Bulova Precisionists, and I wore one of them every single day for six months straight. That particular Precisionist gained 4.5 seconds during those six months. So, yes, these watches are capable of extreme accuracy.

This Precisionist still has the Accutron tuning fork, but the Accutron tuning fork emblem will no longer be on the new line of Precisionist watches. So if you want a new Bulova Precisionist with the tuning fork emblem, get one while you can.

This is a very good price for this watch, and Ashford is a company you can trust. The only gripe I have with them is they charge sales tax to orders shipped to NY.
Watches Deals

Ashford Coupons
Motif Investing, $100 promotion
Added on : Wednesday October 15th 2014 07:00:09 AM
g: 0 Posted By: ProfessorEd
Views: 86 Replies: 0 I just talked to Motif Investing (learning how to download tax information). They still have a promotion with $100 for new accounts (and $100 for those that refer them).
The new customer must deposit $1000 within 30 days and make one MOTIF trade and keep money for at least 70 calendar days.

For those that are not familiar with them, they have an innovative scheme by which you can make one trade covering a number of firms with a theme for one fee of $9.95.

The most obvious potential problem is that this platform can generate a very large number of small trades, each of which is a taxable event. With an account whose value was about $2000 and five trades I generate a two page list of stock buys and sells (most for fractional shares).

Fortunately, they do integrate with TurboTax, but in a non-obvious way. You have to look for their clearing firm, Apex, and then use as login 10-MOTIF account number, and your social security as a password.

For details, and discussion of how to use them as an investor, see the previous thread at http://www.fullofdeals.com/forums/arcmessageview.php?catid=52&thre...

Motif is at https://www.motifinvesting.com.
Investing Deals
Car Accident Question - Rental Car
Added on : Wednesday October 15th 2014 06:00:09 AM
g: 0 Posted By: CalBear07
Views: 43 Replies: 1 Hopefully this isn't to off topic but I feel like FW finance people would know the answer to my question.

I was rear ended last week and the other driver admitted fault immediately. A few days after the accident, I got a call from the driver's insurance (State Farm
) and they said they would take 100% responsibility and I just had to take the car to a shop of my choice to get an estimate and their adjuster would go out to approve the repairs. However, the guy I talked to made it very clear that they would not pay for a rental car for me until the repairs began (i.e. If I drop my car off at a shop on Monday but State Farm
doesnt make it out until Thursday to see the car, I'm SOL for those 3 days and I have to pay for the rental car myself). Does that make any sense and is that common? I'm not trying to rip off State Farm
but how am I supposed to get to work for those days where I don't have a car?

Thanks
Question Deals
Oboz Luna Hiking Shoe - Womens $74.95 Fs Prime USoutdoor DOTD
Added on : Wednesday October 15th 2014 06:00:02 AM
g: 0 Posted By: tedhawkins
Views: 72 Replies: 0 Oboz Luna Hiking Shoe - Womens $74.95 Fs Prime USoutdoor DOTD

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

Take on your next hike with the comfort and performance of the Oboz Luna Hiking shoe. This study women's trail show is made with a carbon rubber outsole for superior grip. The stitch-free construction of the synthetic suede and nylon upper prevents chafing on those long hikes. A well-defined arch and enhanced cushioning under the heal gives your foot plenty of support and helps absorb impact and foot fatigue. The Oboz Luna's rubber toe cap, mud guard and heel bumper give you that bit of extra protection you need on rocky terrain.
Features of the Oboz Luna Hiking Shoe - Womens

Upper: Synthetic nylon mesh and synthetic suede upper
Outsole: Carbon rubber outsole with 4mm lug depth
Midsole: Dual-density EVA foam midsole
Insole: BFit Deluxe Insole


Shoes Deals
Free Kindle Book- Propose, Prepare, Present (was $14.99) & other business
Added on : Wednesday October 15th 2014 04:00:06 AM
g: 3 Posted By: remick
Views: 252 Replies: 1 Propose, Prepare, Present: How to become a successful, effective, and popular speaker at industry conferences
http://www.amazon.com/dp/B00D3VH4KW

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

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

Learn 11 items that help your submission stand outand 11 items that will get it tossed
Explore the hurdles your proposal has to clear before its accepted
Tailor your talk to a conferences topics and themes
Discover why images work better than words in your slide deck
Achieve your business goals by engaging the audience before, during, and after your talk



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

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



Public Speaking - Simple Tips To Become A Confident And Successful Public Speaker For Life
http://www.amazon.com/Public-Speaking-Confident-Successful-Train...

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



Informal Learning at Work: How to Boost Performance in Tough Times
http://www.amazon.com/dp/B00B1W1104

Discover how the role of anybody involved with workplace learning, enhancing capability and improving performance MUST change to successfully manage the critical shift in the way organizations need to cater to the learning needs of their employees.
Despite millions spent on training, surveys show that the majority of workers are disengaged and delivering far less than they are capable of. Deliberately harnessing the power of informal learning is the new way to tangibly improve worker capability and performance, right at the point of work.
This book shows you how, using practical advice from workplace learning experts, and examples and case studies from around the world.



How to Pursue an Idea
http://www.amazon.com/dp/B00NCJL7G2

Everybody wants to be an entrepreneur but not everybody knows how to start a business. Did you ever have an idea that seemed good but didn't know how to follow it? Are you having a hard time coming up with ideas that could turn into gold? Well, this book will teach you how to generate ideas, pick the most suitable ones, share them, transform them and then turn them into a moneymaking activity that will go along with a well developed business plan.You'll learn through a step by step process and, hopefully, get motivated enough to make the jump from nothing to SUCCESS!



Capability at Work: How to Solve the Performance Puzzle
http://www.amazon.com/dp/B00NVHO5B4

Many organisations struggle with poor performance. Despite investing in various learning and development initiatives they seem unable to solve the performance puzzle. They cannot get to the real underlying cause of the lack of performance, and so it continues.
Think about it this way - wherever there is poor performance, it is because someone is not capable of doing what needs to be done. Something is stopping them doing the job in front of them.
This book is like a 'Field Guide' that shows you how to operate as a performance consultant, how to identify the root causes of poor performance, and how to collaborate with the operations managers to deal with those root causes.
It is clear that the role of Learning and Development is changing. This is both a challenge and an opportunity for L&D practitioners. The opportunity is yours for the taking!



Actually Useful Accounting
http://www.amazon.com/dp/B00ESUOEW8

Cashflow problems kill more small businesses than anything else. But before you can tame cashflow you have to understand your business: and that means learning basic accounting. Covering everything you need to know from accruals to year-end, Actually Useful Accounting is written by one of the masters of clear explanation: Phil Cohen. Phil started and still runs two consulting firms in Sydney, Australia, and has 30 years experience of what it takes to make a business a success. Contains excellent advice on tax, insurance, invoicing, payment terms, as well as a clear and bulletproof explanation of accounting and its application to running a successful business.



Leadership IS for Everyone
http://www.amazon.com/dp/B00G2BL15Y

Until now, leadership has always been viewed as the purview of a select few - it seems to be more about the "what" these leaders want their subjects to do, rather than the "how-to." That's a mistake, says Vinay Nadig. In this persuasive and pragmatic new book, Vinay makes a case that (a) leadership is accessible to anyone and (b) leadership is a set of sustainable daily behaviors.
He lays out a practical and instantly usable "leadership launch platform" in the form of 20 Leadership Secrets or techniques. These 20 secrets are the foundation of leadership as a way of life - the only real way to perform at an exceptional level.
Read what Marshall Goldsmith, 2 million-selling author of the New York Times bestseller, Mojo and What Got You Here Won't Get You There has to say about "Leadership IS for Everyone":
"In Leadership IS for Everyone, Vinay lays out a vision to achieve exceptional performance and achieve fulfillment at work. His core tenets of doing things rather than being somebody, of sustainable behaviors rather than a belief in hierarchy and title hit the mark in todays workplace. Using a practical workbook-like approach, Vinay leads you through the process of establishing yourself as a leader and then launching into the highest levels of leadership where you focus not just on yourself, but in transforming others. If you are looking to take your performance to the next level and achieve not just your goals but true fulfillment, then reading and using the 20 leadership secrets he shares in this book will prove invaluable."
Books Deals

Amazon Coupons
Close cards, then open new cards with low intro APR?
Added on : Tuesday October 14th 2014 12:00:11 PM
g: 0 Posted By: chilaxe
Views: 22 Replies: 0 I just paid off $10k in credit card debt all at once. Will it work to now close my cards, and then apply for new ones that have a low intro APR?


Concerns:

1. Revolving door: Will card providers not like if I apply for new cards right after closing old cards?

2. Card age: Should I keep those of my cards that have the lowest credit limit and oldest age, in order to keep a high average account age for my cards?

3. No intro APRs for repeat customers: I have cards from 5 companies. Will companies like Chase, Citibank, and CapitalOne not offer intro APRs since I already got those deals from them several years ago?
New User Question Deals
g: 1 Posted By: remick
Views: 113 Replies: 0
http://www.amazon.com/gp/product/B00OD19C92

Easy to Learn, Complete Program (book + video) for Improved Health, Pain Annihilation, and Swift Healing

(You DON'T necessarily need a Kindle Reader to buy and read this book. It's available for immediate reading with your Amazon virtual cloud reader)

For those interested in Traditional Chinese Medicine, relaxation techniques, and Chi (Qi) healing methods - don't pass up the chance to get the chi flowing and enjoying in long list of health benefits.

Through 99 photos, easy to follow guidelines and a 30 min long video, Sifu William Lee explains how very simple self-massage methods can maximize your energy and reduce symptoms of ill health - from arthritis to allergies, back pain to weight loss.

These methods are practical and effective, not theoretical - work through them at your own pace, depending on the level of effect that you need. From your eyelids to the bottom of your feet, self-massaging those important meridian points can release your stress and allow you to live fully and drink deeply of life and its natural healing power.

THIS IS PROBABLY MOST COMPLETE AND FASTEST TO LEARN QIGONG MERIDIAN SELF MASSAGE GUIDE CHECK YOURSELF WHY
Totally Free Deals
g: 1 Posted By: remick
Views: 124 Replies: 0 http://www.amazon.com/gp/product/B008RLPX1K

4.8 out of 5 stars (25 customer reviews)

The U.S. Department of Health and Human Services reports that 80 percent of childhood abuse victims later suffer from at least one abuse-induced psychological disorder. Its proven that the effects of childhood abuse follow women into adulthood. Yet few men are prepared to deal with those effects, even when their own wife is the one who is suffering. And their wifes suffering becomes their own suffering as their needs arent being met by a wife who is powerless to control her inner turmoil.



also free

Abusive Relationships: How to Recognize the Dangerous Signs, Protect your Self-Esteem and Deal with Any Situation Before it Turns Violent
http://www.amazon.com/gp/product/B00JNU0WSI
4.9 out of 5 stars (9 customer reviews)


Books Deals

Amazon Coupons
Clocky Alarm Clock On Wheels (6 Colors)$29.99 + fs @newegg.com
Added on : Monday October 13th 2014 04:00:02 PM
g: 0 Posted By: blackjerry
Views: 0 Replies: 0 http://www.newegg.com/Product/Product.aspx?Item=9SIA0S60FA9708

WAS: $58.99

This is an authentic Clocky alarm clock by the original designers of the product, Nanda Home Inc.

Never over-sleep again! Clocky is the alarm clock on wheels that runs away beeping! You can snooze one time, but if you don't get up, Clocky will jump off of your nightstand up to 3 feet high, and run around your room as if looking for a place to hide. You'll have to get out of bed to silence Clocky's alarm.

Clocky beeps in an R2D2-like robotic pattern so that you are sure to hear him. He's kind of like a pet, only he will get you up at the right time! You can set Clocky to run away right when the alarm sounds, or set to snooze one time before he runs away.

Clocky features a customizable snooze time up to 9 minutes long. You can also turn off Clockies wheels if you don't want Clocky to run away one morning. A backlight helps you see Clocky at night. Clocky is perfect for those of us who have trouble waking up in the morning! He is compact, clever, and playful. He will never cease to amuse you as you wake up in the morning.

- Chrome
- Blue
- Pink
- Red
- Aqua
- Raspberry
g: 0 Posted By: remick
Views: 136 Replies: 1 https://play.google.com/store/apps/details?id=com.Relmtech.Remot...

★★★ Full version is free today with App of the Day ★★★
Download the app "App of the Day" and discover one new paid app, every day, free!
Easily the most feature-filled computer remote. Turns your device into a WiFi or Bluetooth universal remote control for your Windows PC. Mac and Linux support also available (beta). Control your favorite programs, mouse, and keyboard.
Server: www.unifiedremote.com
Fantastic tool for those of you who want to have a remote control for their computer for watching TV, or maybe for listening to music. Gizmodo
Key Features:
Easy server and app setup, that just works.
Loaded with remotes to control many media applications, tools, system settings, etc.
Basic Input remote to control mouse and keyboard.
Automatic server detection to easily find servers on your network.
Server password protection and encryption for added security.
Supports single and multi-touch mouse control.
Wake On LAN to easily start your server.
Includes light and dark color themes.
Server is available for Windows, Mac (Beta), and Linux (Beta).
Control other devices including Raspberry Pi and Arduino Yn.
18 free remotes
Full Version Features:
40+ remotes
Widgets & Quick Actions
Voice commands
Custom remotes
IR actions
NFC actions
Remotes in Free and Full Version:
Basic Input (Mouse & Keyboard)
File Manager
Keyboard
Media
Power
Scroll Wheel
Slide Show
Spotify
Start / Launcher
Task Manager
Windows Media Center
Windows Media Player
VLC (Keyboard)
YouTube
Remotes in Full Version only:
Create and use Custom Remotes
Boxee (Keyboard)
Boxee (Web)
BSPlayer
Command
Chrome
Firefox
foobar2000
GOM Player
Google Music
Google Presentation
Hulu Desktop
Hulu Web
Internet Explorer
iPhoto
iTunes
J River Media Center
Keynote
KMPlayer
Mac OS X
Magnifier
MPC HC
Media Portal
MediaMonkey
Monitor
MusicBee
Navigation
Netflix
Numpad
Opera
Pandora
Picasa
Plex
PowerPoint Advanced
PowerPoint Basic
QuickTime Player
Safari
Send Text
Spotify Advanced
Tellstick
Tellstick Live
Twitch TV
USB-UIRT
Winamp
Windows 8
Windows Photo Viewer
VLC (Web)
XBMC (Keyboard)
XBMC Advanced
Note that some remotes are only available for certain operating systems.
Learn more at: www.unifiedremote.com
Permissions:
INTERNET: for server connection.
BLUETOOTH: for server connection.
WAKE_LOCK: for optional wake-lock.
READ_PHONE_STATE: for auto-pause.
ACCESS_WIFI_STATE: for server connection.
VIBRATE: for optional haptic feedback.
ACCESS_NETWORK_STATE: for server connection.
NFC: for NFC actions.
INSTALL_SHORTCUT: for launcher shortcuts.
CHECK_LICENSE: for licensing checking.
TRANSMIT_IR: for IR remote control.
Totally Free Deals
The Wanderers on DVD - $12.78 on Ebay
Added on : Monday October 13th 2014 11:00:04 AM
g: 0 Posted By: Ayla
Views: 186 Replies: 2 The Wanderers on DVD - $12.78 on eBay



http://www.ebay.com/itm/The-Wanderers-Dvd-New-Ken-Wahl-Widescree...


$19.98 List Price

$9.99 + $2.79 Shipping


The high school scene of the Bronx in 1963 is ruled by rival gangs. The Wanderers are the Italians-only gang, ruled by a group of streetwise, fast-talkin' boys looking for good times and pretty girls in the streets of their tight-knit neighborhood. This charming vignette of 1960s Bronx life, set to the bopping music of the era, follows the lives of boyhood friends and fellow Wanderers Richie (Ken Wahl), Joey (John Friedrich), Turkey (Alan Rosenberg), and newcomer Perry (Tony Ganios) as they fight their local competition, the Baldies, a group of menacing bald-headed toughies, and struggle to make it to a big football rumble with the slick Del Bombers, the local rival black gang. Along the way, Richie is forced to face the repercussions of a romance with a local Mafia daughter (Toni Kalem) while Perry and Joey realize the truth about their hard-living parents (including Olympia Dukakis as Joey's mother). All the while the boys carouse and party at their neighborhood hangouts, living life on the edge while struggling to avoid the other gangs. THE WANDERERS, directed by Philip Kaufman (who later went on to direct THE RIGHT STUFF and THE UNBEARABLE LIGHTNESS OF BEING), is a simultaneously nostalgic and bittersweet vision of street life in 1960s New York, exploring the hardships of growing up on the streets and protecting gang members at any cost while facing the future and losing childhood innocence. The soundtrack features classic tunes by Dion, the Shirelles, the Four Seasons, the Angels, and others.


Compare: $17.97 at Amazon Marketplace

~~~~~~~~~~~~~~~~~~~~~~~~~~~

If those run out, and you are willing to pay $5.19 more:

http://www.amazon.com/The-Wanderers-Ken-Wahl/dp/B0000696IC/ref=s...


List Price: $19.98

Price: $13.98 + $3.99 shipping = $17.97

~~~~~

Otherwise, this movie seems to cost from $25+
DVD Deals

eBay Coupons
g: 0 Posted By: bogalusa
Views: 142 Replies: 0 On the heels of "Cruise Week" (Oct. 6-13 - yes, ends today), which is an industry-wide promotion of what were promoted as special deals, Travelzoo emailed me about a new one.

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

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

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

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

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

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

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

Click for More Info
Terms & Conditions: All airfare prices listed include mandatory taxes, but do not include baggage fees, which may be additional.
All vacation and cruise prices listed are per person, based on double occupancy.
Cruise Deals Deals
g: 0 Posted By: DaysFan
Views: 144 Replies: 0 codes: DISCOVER
and COLUMBUShttp://www.rockport.com/Spend $150, Save 20%; Spend $200, Save 25%; Spend $250 and Save 30%. Not all product are eligible for discount, exclusions apply. Excluded product may be purchased in order to reach promotional threshold, whereby discount would be taken on only those eligible products within the same order. Offer valid at Rockport.com through 10/13/14 at 11:59 PM EST. Online offer not valid on the following styles/collections: clearance styles, Classics Revised, Encounter, World Tour Classic Men and Women, Essential Details, Perth, Rugged Bucks, RocSportsLite 2, ZoneCush, Total Motion, and Margin. For online purchases, enter online code at checkout. Limit one per customer. 2014. The Rockport Company, LLC. Rockport.
Shoes Deals

Rockport.com Coupons
g: 0 Posted By: bittul
Views: 88 Replies: 0 drugstore.com is taking an additional 20% off all "Fragrances" when you click through this link:
[url]http://www.drugstore.com/user/promo.asp?code=55CF103C&aid=338012...[/url]

Many great deals, including:
Adidas Dynamic Pulse Eau de Toilette Spray for Men 3.4 fl oz = $6 + FS
[url]http://www.drugstore.com/adidas-dynamic-pulse-eau-de-toilette-sp...[/url]

Charlie Blue by Revlon Eau de Toilette Spray 3.4 fl oz = $6.23 + FS
[url]http://www.drugstore.com/charlie-blue-by-revlon-eau-de-toilette-...[/url]

Note, the items above are free shipping, BUT, adding any other items to cart seems to invalidate the FS until you hit $35.

Most fragrance is not Shoprunner eligible, but some, like those above are free standard shipping.
Beauty Deals

drugstore.com Coupons
13Deals - Eddie Bauer 11-in-1 Wooden Pocket Tool -$7.99 - SHIPS FREE!
Added on : Sunday October 12th 2014 02:00:04 AM
g: 0 Posted By: GraPaJo
Views: 251 Replies: 0 Eddie Bauer 11-in-1 Wooden Pocket Tool - SHIPS FREE!

http://www.13deals.com/store/item.php?id=39381

$7.99

Retail:$20.00

You save:60%

Product Info
Need a screw driver, nail clipper, bottle opener? The
Eddie Bauer WOOD POCKET TOOL has all of those
and more. It has 11 functions in 1 tool. Carry it with you
on the go and have everything you may need right in
your pocket.

Product Features:

Flathead screwdriver
Nail clipper
Clip point blade
Can opener
Steel nose pliers
Wire cutter
Knife
Saw
Bottle opener
Phillips screwdriver
Nail file




Tools Deals
Cafe Press $24 off $48+ Expires 10/14/2014
Added on : Sunday October 12th 2014 02:00:02 AM
g: 0 Posted By: selivingstonmba
Views: 94 Replies: 0 cafe press has a code for $24 off $48+ and it expires 10/14/2014. I just placed 2 separate orders last night and it worked great. Shipping was $7 standard, but still, this is a great deal!

Code is:CAJAHR1011

Last year I purchased a very unique shower curtain (http://i1.cpcache.com/product_zoom/697403944/gothic_library_wind... them and got so many compliments on Thanksgiving when I had guests. It looked much better in person and much more vibrant. This year I purchased 2 throws.For those that do not know about them, you should check them out if you are looking for something really unique for your home, etc. From the website:

cafepress is where the world's creative minds join forces to provide an unparalleled marketplace. We give you the power to createcustom productsandpersonalized giftson a variety of high-quality items such ast-shirts,hoodies,posters,bumper stickers andmugs.cafepress also allows you to set up online shops where you can design and sell your own unique merchandise. Our design tools make it easy to add photos, text, images, and even create cool designs or logos from scratch. As if it couldn't get any better, you can even find content from major entertainment partners such asThe Hunger Games,Big Bang TheoryandStar Trek as well as products dedicated tohobbies,birthdays, themilitary andmore. At cafepress we print each item as it's ordered and many products ship within 24 hours.
Home & Garden Deals

Cafe Press Coupons
g: 0 Posted By: ctgolfer
Views: 169 Replies: 0 The LEAFPRO universal leaf collection system is the solution to the annual problem of bagging those piles of leaves in your yard. Engineered to fit all major brands on the market, the LEAFPRO fits gas and electric models with its variety of universal connectors. Do not waste time emptying that small bag when you can send mulched leaves directly to the can. A flexible 8 foot hose with drawstring mesh hood fits over 32 to 55 gallon waste containers and leaf bins for no touch, (waste containers or bins not included). With no touch clean up, enjoy the freedom to go anywhere in the yard and bring the waste container along as you vacuum the leaves into it. LEAFPRO Universal Leaf Collection System for Blower/Vacs

Fits all major leaf blower/vac brands to include gas and electric Designed for no touch high capacity leaf collection for waste cans up to 55 gal (waste can not included) Pro flow, mesh hood cover with cinch-tight drawstring Flexible industrial strength 8 foot hose connector Includes 4 factory fit tubes, 1 universal fit tube, flexible hose, and hood

Universal Fit for Gas or Electric Brands The included four factory-fit connectors and one universal fit connector will fit all major brand blower/vacs up to 5-inch diameter. The LEAFPRO high capacity universal leaf collection system fits brands like: Black and Decker, Ryobi, Toro, Husqvarna, Murray, Poulan Pro, Craftsman, and Worx. The LEAFPRO will turn your gas or electric blower/vac into a direct-to-can leaf collection system without touching a single leaf!

www.ebay.com/itm/WA4054-WORX-LeafPro-Universal-Collection-System...
Garden Deals

eBay Coupons
g: 0 Posted By: BPH789
Views: 31 Replies: 0 OK for those who missed out on the screamingly hot deal 1 oz American Gold Eagle for $1,239 last weekend and for those who rather foolishly made comments about AE's purity (which by the total weight is indeed 1 oz gold) - here is a decent deal - 1 oz "PURE" Gold Canadian Maple Leaf Coin for $1,260. Personally I only own AE coins and many of the dealers pay premium on AE but for those who want gold at seemingly bargain price.

BTW - the AE sold for $1,239 is selling for $1,334 this weekend of almost $100 higher than what appears to be short term bottom (as I noted with charts). I wished I picked up more than 5 as that was the eBay limit...

http://www.ebay.com/itm/2014-1-oz-Gold-Canadian-Maple-Leaf-Coin-...
Maple Leaf

And some technicals here Gold Charts - triple bottome
Case Logic 16" Laptop Attache Bag, Black/Grey $14.99 @ www.walmart.com
Added on : Friday October 10th 2014 10:00:03 PM
g: 0 Posted By: jaymanthegreat
Views: 163 Replies: 0 Case Logic 16" Laptop Attache Bag, Black/Grey $14.99

Item Description:Now you can easily keep your portable computer and other sensitive gadgets safe and secure wherever you go with the Case Logic 16" Laptop Bag. This slim and compact carrying case can accommodate up to a 16" screen and is designed with a power pocket that comfortably fits those bulky cords and cables. This black/grey Case Logic laptop bag shields your digital devices from scratches and impact. It is equipped with elevated accessory pockets to hold your cell phone, wireless mouse, iPod, business cards, pens and other accessories and peripherals that you may need. This particular model has an integrated neoprene pocket to secure your flash drive and eliminate the hassle of having to rummage through your stuff just to find a small item. This stylish laptop carrying bag is made with a luggage strap which attaches to rolling luggage for easy portability.Case Logic 16" Laptop Attache:

This slim, compact case is compatible with laptops with up to a 16" screen
Power Pocket feature includes a streamlined front pocket designed to comfortably fit bulky power cords and cables
Accessory storage pocket stores a portable mouse, iPod, cell phone, pens and other peripherals
Laptop carrying bag comes with an integrated neoprene USB drive pocket
Comfortable shoulder strap and padded handle for easy portability
Luggage strap securely attaches to most rolling luggage
Case Logic laptop bag color: Black / grey

Luggage Deals

Walmart Coupons
g: 0 Posted By: remick
Views: 194 Replies: 0 http://www.amazon.com/gp/product/B00K6MYQEI

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



also free

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

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



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

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

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



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

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



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

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



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

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



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

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



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

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

When it comes to money, military service members and their families face financial challenges that civilians simply dont.
While serving on active duty, members of the military are typically asked to move every few years and must learn how to manage money during multiple deployments. And managing the finances means figuring out a way to maintain a balanced budget while communication is limited. Meanwhile, the spouse at home is essentially functioning as a single parent without the necessary skills and tools to make serving as the familys Chief Financial Officer as easy as possible.
That is, until now.
Books Deals

Amazon Coupons
g: 4 Posted By: remick
Views: 193 Replies: 1 http://www.amazon.com/gp/product/B00KN0J9P4/

5.0 out of 5 stars (4 customer reviews)

Lean how to create your own will and power of attorney forms to prepare for an uncertain tomorrow.
Written and edited by licensed attorneys.
No one wants to think of their own death. But it is important to plan for your family and other loved ones are provided for if anything should happen to you. Guidance On Creating Your Own Will & Power of Attorney can help you create your will (last will and testament) and power of attorney legal documents that you actually understand.

Wills and powers of attorney are not only for people who are at the age where death is not far away. People die at all ages. A will is needed if you have assets and property to be allocated to those you wish to benefit. A power of attorney can help fulfill your specific wishes if you are ever in a comma. Now is the time to think about creating your legal documents if you have not created them. If you have created them, make sure that your documents are current and reflect the changes in your life because the court will look to these documents as proof of your wishes. If you dont have them or they are missing, the court will apply state laws. These laws may not reflect your wishes, so make sure you look seriously at the making or updating of your documents at the earliest.

Sample Forms Include:

Wills

Last Will and Testament (for single and married couples)
Self-Proving Affidavits
Living Will
Power of Attorney

Healthcare"Durable
Financial"Durable
Minor Child Care"Limited
The Legal Self-Help Guide series provides information to those who want to understand their legal rights and responsibilities in an effort to resolve legal problems or know enough to feel confident in their decision to retain legal counsel. This Guide provides plain-English explanations as an alternative to the legal jargon that fills legal books.

Express Your Rights. At Peerless Legal we believe the law is only useful when people have the tools they need to understand their rights. Join us on our quest to make the law usable and accessible to anyone. Peerless Legal was founded with quality in mind. All of our products are created by a licensed attorney who believes in our mission to empower individuals by giving them the legal self-help tools to access legal information, make decisions, and engage the system. You can take part by turning information into actions.

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Youll discover how to:
ensure your possessions will be distributed as you wish,
authorize someone to act on your behalf regarding healthcare and financial matters if you become unable to make your own decisions,
reduce the potential family conflicts,
reduce stress and heartache for loved ones,
and specify funeral wishes,
Books Deals

Amazon Coupons
g: 0 Posted By: tinman951
Views: 100 Replies: 0 Newegg is selling the Seagate Backup Plus 2TB USB 3.0 portable drive for $89.99. That's $110 off msrp (which is rather high).
Drive Link
Expires 11:59 pm PT October 11th.
Also "Free ADATA 32GB flash drivew/ purchase, limited offer"
Limit 5

Red color only, however the silver and black are $99.99. All colors have the free 32GB flash drive.
This is easy to setup for a basic backup for those that don't know how to do it.
External Hard Drives Deals

Newegg Coupons
How to Buy a Car With No Cash, No Credit and No Time?
Added on : Friday October 10th 2014 06:00:12 AM
g: 0 Posted By: mwa423
Views: 61 Replies: 7 A buddy of mine came to me a few weeks ago, drives a 2004 Mazda 3 with 161k miles and he is starting to think that putting additional money into it would be throwing good money after bad. We talked, I helped him map out a budget and the type of car payments he could afford thinking while his credit wasn't good, we could probably get him in somewhere at 10-15%. Not good, but hopefully re-fi out after a couple years of good payments. The reality is that he hasn't been able to get approved by any banks he has talked to (including USAA, Navy Fed, etc.). I'm not sure if the retail businesses just won't touch his level of credit, even though I know that banks like Wells Fargo Dealer Services take some rough subprime credit.

An additional problem is that he had (has?) a title loan on his current car, his plan was to just trade it in and let the dealer pay it off.

After a lot of searching, he found a few cars he was interested in, several older models which were under $5k but he thought were good buys. The obvious downside is most banks wouldn't accept those cars (due to age) as collateral on an auto loan (2001, 2002, 2003, etc.). He also doesn't have the cash in the bank to pay cash for these vehicles and has been turned down for personal loans from banks (including prosper and lendingclub).

Engine blew this weekend and the car is probably toast (don't know all the details). At this point, it is unlikely he has any significant amount of cash (probably less than $1,000 in his checking account), credit is poor (only one credit card with a $500 limit, $0 cash advance ability). I don't want to tell him to go hit a dealership and get screwed on 25% financing and get caught back in a debt trap and I really don't want him rolling to a buy here-pay here joint. But what other options can I suggest? The only one I can think of is to send him to adealership, talks like he'll pay cash, negotiate price and allows them to offer financing. See what they can get him.
Personal Finance Deals
Intex Challenger K2 2-Person Kayak - $100 Walmart / Amazon
Added on : Friday October 10th 2014 06:00:03 AM
g: 0 Posted By: piscesTX
Views: 25 Replies: 0 For those who have never used a Kayak, this one seems to be a good choice. Given its price and good reviews,I ordered one and life vests ( was cheaper at WalMart.com).
Intex Challenger K2 2-Person Kayak:

Inflatable 2-person kayak
30-gauge PVC vinyl
Weight capacity for Intex Challenger kayak: 350 lbs
Includes aluminum oars, a double quick hand pump, a backrest, removable skeg, grab line on front and back, and cargo net
Dimensions: 138"L x 30"W x 15"H
Model# 68306EP


http://www.walmart.com/ip/Intex-Challenger-K2-2-Person-Kayak/236...
http://www.amazon.com/Intex-68306EP-Challenger-K2-Kayak/dp/B0017...
g: 0 Posted By: fistfulofdollars
Views: 153 Replies: 0 Here

Total comes out to 57.38 per 2 pack. Earlier deals were a little better with 25$ gift card. However as this sale is active this week with 10% off, people in need of diapers can benefit

PS: Earlier there were deals similar to this posted in fullofdeals.com and I benefited from those. In fact, I used a gift card from earlier purchase yesterday. Since the original threads expired and this sale is active this week, I thought I would share so somebody else can benefit.
Baby & Kids Deals

Target Coupons
Cox - VIP bundles for current customers - YMMV
Added on : Thursday October 09th 2014 01:00:04 PM
g: 0 Posted By: fref
Views: 213 Replies: 1 Note that I am in AZ - offer terms in the email I received say it is for current Cox Arizona customers, but there may be similar offers available if you are in a different Cox market.Last week, I received an email offer from Cox regarding a new bundle available to "VIP customers". There were two bundles offered, each requiring a 2-year agreement. Each bundle has an offer code(s). I do not think they are restricted/specific; when I called to sign up for the bundle the rep knew what I was talking about and didn't ask for the codes. Bundle 1 (Offer code BN144LX60):

$119.99/month
Ultimate Internet (top tier) - speeds up to 150 Mbps
Contour TV - with Record 2 or Record 6 DVR. HBO, Cinemax and Starz included.

Bundle 2 (Offer code BN144GX60 for plan with digital phone OR BN144LX60 and AC143HP60 for plan with home security):

$129.99/month
Ultimate Internet (top tier) - speeds up to 150 Mbps. It is not specified in the email, but the bundle includes rental of DOCSIS 3.0 modem which is needed to see those speed levels.
Contour TV - with Record 2 or Record 6 DVR. HBO, Cinemax and Starz included.
Digital Phone (with unlimited nationwide long distance) OR Home Security monitoring (Preferred level)

Other items of note:

2-year contract is required, but the above rates are guaranteed for 3 years.
Rates go up by $30/month in year 4 and by another $30/month in year 5.
Home security monitoring requires 3-year agreement (since I already have agreement in place, I did not need to re-do/extend).

For me, the $129.99 bundle will represent just short of $60/month in savings over years 1-3 and my rates in year 5 will be slightly more than I currently pay. On top of the savings, I am getting the following service improvements:

Increased internet speed - currently on Preferred level capable of up to 50Mbps, though I am only getting about 25 Mbps since I still have a DOCSIS 2.0 modem. I'll be upgrading the modem as part of the bundle.
Upgrade to a Record 6 DVR (from Record 2) and adding the premium channels that I didn't currently have before. I don't need those channels, but if they are part of a bundle that saves me money, I'll take them.
Upgrade to Preferred Home Security monitoring. I am not currently using any devices that require that level of monitoring (thermostat, cameras, etc.) but they were planning additions in the near future and now my monitoring fee will not need to increase since it is part of the bundle.

Usually, the bundle deals are for new sign ups, so it is nice to see a pretty good deal offered for existing customers.
Services Deals
g: 0 Posted By: remick
Views: 72 Replies: 0 http://www.amazon.com/gp/product/B005G82AF4

5.0 out of 5 stars (16 customer reviews)

Youve just played two great shots to get onto the green.... and then fluffed the easiest of putts!How did that happen?
Surprisingly it has little to do with your ability. It comes down to something you may never have considered; its habit. Habits can make you do things you really didnt want to do, yet most golfers remain unaware of their influence.
The innovative golf tips in this book, will help you get into The Zone to breakthrough the performance limiting habits holding you back and let you take greater control over your game. You'll discover why you may not be getting the most from your golf instruction books or Coach, and how to improve your game by making it simpler.
You'll learn how to:-

1) eradicate those annoying mistakes
2) increase your distance by using less effort with your golf swing
3) improve accuracy by not trying
4) simplify your golf

You can do all this once you get into The Zone, the ultimate state in which to play at your peak and take your game to levels beyond your expectations.
The book is internet linked to further resources included in the cover price. These include audio files of the techniques to download onto an mp3 player to take onto the course or range, plus advice on posture and sports injury in the form of ebooks and videos.



also

Open Mind: An Introduction to Silent Mind Golf
http://www.amazon.com/Open-Mind-Introduction-Silent-Golf-ebook/d...
Totally Free Deals
Buying Prepaid Debit using Target Gift Card
Added on : Thursday October 09th 2014 05:00:11 AM
g: 0 Posted By: AcuraKidd
Views: 1 Replies: 0 I have a question for you guys,

I returned something worth $150 to Target, but since I didntnhave a receipt or the CC used to pay, they gave me a Target Gift card. The cashier said its store credit and not a gift card, although the card says gift card.

Is there a difference between Target store credit or gidft card?

Next question, I basically need to cash out on this card, so my idea is to purchase a prepaid Visa or MasterCard, what are my chances?

If I can't get those, can I just buy an Amazon Kindle Card? Is it still possible to cash those out via Amazon Payments?

Anyone have any other ideas on how to cash out this $150 Target card?
Personal Finance Deals
g: 0 Posted By: remick
Views: 198 Replies: 0 http://www.amazon.com/gp/product/B00H7R3XL2/

Ever do something you immediately regretted? Wish you could take back those words you just blurted out? Keep on wishing. Odds are against you. Eventually, almost everyone will get their 15 seconds of notoriety. So expect the worst and get prepared for it. You'll suffer less.

Lawyers are on the front lines when clients are caught in an unflattering spotlight. So are those who do Crisis & Reputation Management. They work side-by-side.

A LAWYER'S GUIDE TO CRISIS PR: Protecting Your Clients In & From the Media is a cautionary tale. It offers some do's, but far more don'ts. Its goal is to make you more valuable to your clients by providing an overview of the challenges of dealing with the media -- and the dangers of making missteps.

It's brief on purpose. You're busy and have little time. We have no desire to fill pages with fluff. We explore questions you said are important to you, and we distill essential concepts that you need to know. No wasted words.
Books Deals

Amazon Coupons
Free 3D Filament sample pack at foxsmart
Added on : Wednesday October 08th 2014 03:00:03 PM
g: 0 Posted By: kilpy
Views: 376 Replies: 0 For those of you into 3D printing, I found this the other day..
foxsmart.club is giving away free 3D filament sample packs. Looks like they have 25 feet each of 7 colors per pack. Must buy 1 roll of their filament ($18/roll) to qualify for the free pack.
Free Filament Packs


Electronics Deals
Free 3D Filament sample pack at foxsmart
Added on : Wednesday October 08th 2014 12:00:07 PM
g: 0 Posted By: kilpy
Views: 88 Replies: 0 For those of you into 3D printing, I found this the other day..
foxsmart.club is giving away free 3D filament sample packs. Looks like they have 25 feet each of 7 colors per pack. Must buy 1 roll of their filament ($18/roll) to qualify for the free pack.
Free Filament Packs


Free Samples Deals
g: 0 Posted By: ctgolfer
Views: 110 Replies: 0 Pocket-size solutions for hundreds of every day tasks
Precision engineered for strength and durability
Perfect for home office and on-the-road
Lightweight and portable
Flashlight requires 4 Button Cell batteries (included)
Color will be selected at random from those shown

Multi-Tool
Flathead Screwdriver
Phillips Screwdriver
Can Opener
Bottle Opener
Corkscrew
Knife
Saw
Fish Scaler
Nail file
Hole Punch
Sewing Eye
Scissors
Mini-Flashlight
Carabiner


http://13deals.com/store/item.php?id=39333
Health & Beauty Deals
LED Rotating Multi-Colored Lamp Bulb - $6.13 or $6.15 on Ebay F/S
Added on : Wednesday October 08th 2014 08:00:07 AM
g: 1 Posted By: Ayla
Views: 97 Replies: 0 LED Rotating Multi-Colored Lamp Bulb - $6.13 or $6.15 on eBay F/S


http://www.ebay.com/itm/like/261333863567


Price: $6.13 + Free Shipping


~~~~~~~~~~~~~~~

http://www.ebay.com/itm/E27-3W-G80-G60-Colorful-Rotating-RGB-3-L...


Price - $6.15


~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~
IF THOSE RUN OUT, THERE ARE ALSO:


http://www2.pulsetv.com/prodinfo.asp?rcid=117&number=6470



Your Price: $7.99

Compare at: $24.99 (68% off)


Shipping on 1 = $3.99
Shipping for 3 = $5.97



Plug in the party! This LED Rotating Lamp Bulb produces a stunning ''disco'' effect when plugged in to an ordinary light socket. There's no electrical cord, buttons, or controls to complicate things; just screw it in!

The bulb's prismatic globe automatically spins to refract red, blue, and green lights. Since it's using LED lights, it has a lifetime of 20,000 hours, and saves energy. Note: Not suitable for dimmers or electronic remote controlled switches.

Features:
- LED Disco Light Bulb
- Automatically Rotating Prismatic Globe
- Easy To Use: Just Screw in Light Socket
- 20,000 Hours Lifetime
- Low Energy Consumption
- Produces Very Little Heat
- Red, Blue, Green LEDs
- Great for Parties, Bars, Stage Lighting, and More


Buy more to save more...
Get one for $7.99
Save an additional $4.00 and get two for $11.98
Save an additional $6.00 and get three for $17.97
Save an additional $8.00 and get four for $23.96
Save an additional $10.00 and get five for $29.95



Electronics Deals

eBay Coupons
48 double rolls of Cottonelle Clean Care Bath Tissue: $23.94 @ Amazon
Added on : Wednesday October 08th 2014 08:00:04 AM
g: 0 Posted By: kirbydog
Views: 56 Replies: 0 Not sure if this is global, but there is a $2 off coupon as well. Free shipping if you have a Prime account. A bit more can be saved via Subscribe and Save if you participate in those programs.
Cottonelle double rolls
I was planning to buy this at Target for the $10 gc when you spend $40 on selected products deal, but Amazon's price is lower when using the $2 off coupon and I don't have to spend $40 or carry the packages home.
Home & Garden Deals

Amazon Coupons
The $1,000 Pill That Could Cripple the VAs Budget
Added on : Wednesday October 08th 2014 05:00:14 AM
g: 0 Posted By: SangioveseW
Views: 38 Replies: 0 CNBC article: http://www.cnbc.com/id/102070424?trknav=homestack:topnews:6

A few quotes:

While struggling to beef up its medical staff and sharply reduce the time it takes veterans to get appointments at health facilities, the staggering cost of Sovaldi, a specialty drug to treat Hepatitis C, is threatening to blow a $1.3 billion hole in the agency's budget in the next two years. It's a fiscal crisis that could force deep agency cutbacks in other areas.

The VA is the largest provider of care in the U.S. for chronic Hepatitis C virus infections, which can destroy the liver and require a liver transplant or result in death. The VA has 174,000 veterans under its care with documented HCV; another 42,000 could be added once they're properly tested.

Yet the medicine costs $1,000 per pill or $84,000 for the obligatory 12-week treatment. The 3.2 million Americans who are infected by Hepatitis C could benefit greatly from the treatment. Still, the total cost of covering those people with the new drug would exceed the $300 billion the U.S. is spending annually on pharmaceuticals.

The drug already is beginning to strain the budget of one major government agency and could dramatically run up the costs of other health-related programs, including Medicaid and Medicare as well as federal and state prison systems that are required to provide inmates with health care services.

Although Gilead and the VA negotiated down the price of a tablet from $1,000 to $543, according to one source, the long-term cost of Sovaldi to the VA could be staggering and will eclipse the treatment costs of most other diseases, including cancer.Federal and state officials, for example, likely will be able to negotiate big discounts with the drug manufacturers or establish clinical protocols that limit the number of people eligible for treatment."Now that's a valid point," Salo added. "But the concern a lot of my members have is that they don't actually think those types of protocols, while they are certainly medically justified, are going to get upheld in the courts."Salo said he could imagine the courts bowing to pressure from the Centers for Disease Control and other public health advocates who say, "This is a communicable infectious disease and it is unconscionable not to cover everyone."
Discussion Deals
g: 0 Posted By: gaijinexpat
Views: 5 Replies: 0 For those of you with kids passionate about Pokemon, Newegg is discounting the pre-order of the new 3DS games by $3 (promo code EMCWPPC225). I've seen larger discounts for previous Pokemon games but nothing yet for this set.

Newegg is also discounting other video games pre-orders:
$59.99 promo codeEMCWPPC223
$49.99 promo codeEMCWPPC224
$39.99 promo codeEMCWPPC225

This is the link to the Uber Game Tober​ page. Expires tomorrow.
g: 0 Posted By: tedhawkins
Views: 159 Replies: 0 32 GE Energy Smart 13-Watt Light Bulbs (8Pack X 4) $39.99 Fs @ Deal Genius

http://www.dealgenius.com/

Save the planet and your electricity bill with GE Energy Smart CFL bulbs! Save 14% off Amazons lowest prices with this great deal! These bulbs are the #1 selling in the country, and for good reason. Each bulb only uses 13-watts of power while providing the same light as a 60-watt. That difference can save you up $1.57 per bulb per year. GE bulbs are designed to keep shining for up to 9 years of use, making them the perfect bulbs for those hard to reach spots. Replace all the lights in your home and watch the savings stack up!
nuts & bolts
#1 Selling Bulb; Save 14% on Amazon Prices!
Energy Smart bulbs last up to 9 years
Replaces 60-watt bulbs while using only 13-watts
Bulbs use 75% less energy and last 8-10X longer
Save an average of $51 in energy costs each year
CFL bulbs in a soft white color; spiral shaped
Brightness of 825 Lumens base up; 745 Lumens down
Bulbs fit in standard size incandescent sockets

whats in the box
(4) 8pk GE Energy Smart 60-Watt Replacement Bulbs; New in retail packaging.
Home & Garden Deals
g: 0 Posted By: geezlouise
Views: 199 Replies: 0 Izze 24-pack 8.4 oz cans variety flavors


Amazon has the 24-pack of 8.4 oz cans of Izze sparkling juices for $15.64 with Subscribe & Save (less if you have more than the usual 5% S&S discount). This is for the variety pack of three flavors - Blackberry, Apple and Clementine.
Price fluctuates a lot on these and cost for individual flavors vary at the moment.

Good deal for those who like the Izze beverages. These also go over well at parties as a great adult alternative to soda, especially for non-drinkers and designated drivers.



Grocery Deals

Amazon Coupons
Izze sparkling juices 24 $15.65 with S&S Amazon
Added on : Monday October 06th 2014 05:00:01 PM
g: 0 Posted By: geezlouise
Views: 0 Replies: 0 Izze 24-pack 8.4 oz cans variety flavors


Amazon has the 24 pack of 8.4 oz cans of Izze sparkling juices for $15.64 with Subscribe & Save (less if you have more than the usual 5% S&S discount).
Price fluctuates a lot on these and cost for other individual flavors vary at the moment.

Good deal for those who like the Izze beverages.


Narley flip flop sandals $0.50 FSS Kmart
Added on : Monday October 06th 2014 06:00:03 AM
g: 0 Posted By: ACandJVR
Views: 33 Replies: 0 Good for those disposable ventures...
Narley Flip Flops Fifty Cents

Personal card for business purchases for points?
Added on : Sunday October 05th 2014 12:00:08 PM
g: 0 Posted By: mwarrior
Views: 101 Replies: 1 So given that Costco is ditching Am3x in Canada, and has already started accepting MC... Anybody have any insight on how CC issuers would feel about personal card usage for business purchases?
Also any suggestions on which MC to use? I've seen a few options such as the MBNA and BMO World Elite products, as well as Cap1.
Delta has a Skymiles card in Canada and it's 2miles/dollar (not a bad option).
I currently have a former Citi Driver's Edge card for 2% back across the board, but given the devaluation I'm not sure which would be a better option out of all of those...
And like I said, suggestions on how banks would feel using a personal card for mostly business use?
Question Deals
g: 0 Posted By: gnet
Views: 118 Replies: 0 Logitech Wireless Performance Mouse MX for $57.90 shipped, no tax (at least to CA)
http://www.buydig.com/shop/product.aspx?sku=LTMXMOUSE
Keyboard & Mouse Deals

Buydig Coupons
g: 0 Posted By: scoobydooby
Views: 75 Replies: 0 Yes, I know that just under a buck for a MicroUSB cable isn't a miracle deal, but these are 5 inches, and are perfect for those that picked up things like an Anker 5 port charger and want a little less clutter. I pack these in my bag when I travel, along with the Anker, and it makes for a really nice little multi-device kit.

Decent reviews, just be sure to click the "10 pack" button for the deal.

http://www.amazon.com/gp/product/B00JX1262C/ref=oh_aui_detailpag...
Electronics Deals

Amazon Coupons
g: 1 Posted By: MISTERCHEAP
Views: 167 Replies: 0 Look for the $5 free Kmart GC coupon in the new ad in Sunday papers (wrap around on front page) with a flu shot at their pharmacy.

Flu Shots are free for most with health insurance (usually about $25 otherwise).



https://pharmacy.kmart.com/shc/Mygofer/pdf/Final%20Rx_$5_Giftcard_Flu_Page.pdf

WITH COUPON AND THE
PURCHASE OF A FLU SHOT
While supplies last. Participating stores only. Flu Shot must be purchased between now and 3/31/15. Consumers to pay all required
taxes. This offer is not valid for and cannot be used by any patient who is a beneficiary of a federal healthcare program, such as,
Medicare Part D, Medicare Advantage, Medicare Part B, Medicaid, or TRICARE. Offer not valid in AR, Guam, MA, NJ, NY, or Virgin
Islands. Limit (1) coupon per member. Not valid in combination with any other offer or coupon. Void if acquired from any channel
other than those approved by Sears Holdings, if photocopied or otherwise reproduced and where prohibited by law; any other use
constitutes fraud. Cash value 1/20. Use of this coupon constitutes your acceptance of the Shop Your Way terms and conditions,
available at www.shopyourway.com/terms. *Gift card good towards the next purchase of non-pharmacy merchandise

Gifts Deals

Kmart.com Coupons
g: 0 Posted By: andunn
Views: 176 Replies: 0 Cuisinart 10-Piece Hard Anodized Cookware Set
Menards SKU: 4736528
Model #: HW62-10

Everyday Low Price:$89.00
Sale/Clearance Price:$68.99
- 11% Mail-In Rebate: $7.59
- Mail-In Rebate: $20.00
Your Final Price: $41.40

http://www.menards.com/main/search.html?search=4736528
This is in-stores only. No Limit. Not available on-line. Decent reviews when searching on-line.

For those not familiar with this store. Menards is a home improvement store that is mostly associated with Mid-West states. This obviously isn't a expensive or super high quality set, however, those on a budget and looking for a decent set this is a great deal.

**Please note for those not familiar with the Menards mail-in rebate process:
They are for in-store credit and NOT actual $$ back.
They usually have a 4-6 week turn around after mailing in.

Personal Note:
I have been doing Menards rebates for over 10 years and have only had to contact them once.
Home & Garden Deals
g: 0 Posted By: ctgolfer
Views: 140 Replies: 0 Kills 99.9% of germs using just water - no chemicals required. Great for homes with kids or pets.

With SmartSelect Technology, select the specific floor type Wood/Tile/Stone and the mop automatically releases the right amount of steam. Safe to use on sealed hardwood floors

Large removable water tank for convenient refilling

Ready-to-go tank illumination changes from red to blue when the water reaches the correct temperature.

Mop automatically shuts off the steam when parked upright for those quick pauses during cleaning.

Includes: Steam Mop, 23' Cord, 2 Washable Microfiber Pads

www.ebay.com/itm/Black-Decker-SmartSelect-Steam-Mop-BDH1720SM/33...
Appliance Deals

eBay Coupons
Credit Card Statement Cut Dates
Added on : Saturday October 04th 2014 07:00:07 PM
g: 0 Posted By: noelandres
Views: 88 Replies: 4 I need to know exactly when my statement cuts for each credit card. I noticed that different credit card companies have different formulas for deciding when the statement cuts.

Chase, Discover and Barclays seem to always cut the statement on the same day of the month. While Amex, Citi, and BoA(FIA) have cut on a different date each month. I called each
company and asked about this. Amex was very helpful, in part because their method is very simple. They always give you 25 days of grace. So the formula in Google Sheets is:

=DAY(EOMONTH(TODAY(),0))-XX

Where XX is a number that depends on your payment due date (XX=25-Due Date). So, if your Due Date is on the 15th, then XX = 25-15=10.

Now, I can't figure out Citi's or BoA's formula. The CSR tried to explain to me how they decide it. But it just doesn't make sense. I wonder if anyone has figured out how those 2 CC companies decide the statementcut date. At this point, I just asked them for the closing dates in the next 12 months, but this is not a permanent solution. I'll have to call and ask them again in 1 year.

Any help with this would help out a lot. I'm hoping I'm not the only one who keeps track of most of their CCs information, so hopefully someone has already this figured
out.

Thanks for any input.


Credit Deals
Good Fortune Fetish Pink Love Knot Mini Card Case crafted in bright leather, brings good luck and high style to those who carry this little gem. Featuring top zip leather tab closure, DVF logo on back, hide-away gold tone clip and chain and front slip pocket with gold tone love knot detail. Signature box included.
g: 0 Posted By: tedhawkins
Views: 157 Replies: 0 *Price Drop* NETGEAR VueZone Add-on Day Camera (VZCB2010-100NAS) $59.99 Fs Amazon

http://www.amazon.com/NETGEAR-VueZone-Add--Camera-VZCB2010-100NA...

Also, the Motion Day camera is $69.99 & Day/Night is $87.99

NETGEAR VueZone wire-free add-on camera (VZCB2010) allows you to add a camera to your existing VueZone system. Adding a camera to your personal video monitoring network is incredibly simple. Just a click on the SYNC button on your existing VueZone base station and your camera is instantly viewable.

Peace of Mind

Ever wonder what happens at your home or business when youre not there? NETGEAR VueZone is an incredibly simple and convenient way to see for yourself. Check on your family. See what your pets are doing. Make sure your home is secure. VueZone is live remote video right on your smartphone, tablet or computer. Thats real peace of mind at your fingertips.

Mobile Apps for Your iPhone or Android

The VueZone Mobile app allows you to see live video, record video or take a snapshot on your iPhone, iPad, and Android mobile devices. Recordings are securely stored on your private cloud account for viewing later, sharing or downloading. For those times when you arent mobile, access your VueZone account from any computer using most internet browsers.

click, stick, view
VueZone is WIRE-FREEand hassle-free

Installation takes less than 10 minutes with the 100% wire-free VueZone cameras. Camera positions can be adjusted easily from one magnetic mount to another.

Everybody is a Tech-Wizard with VueZone

No tech expertise is required to set up and view your VueZone system. All it takes is a simple push of a button. Just pick the best spot to install your cameras then Click, Stick, View. It really is that simple!

Choose a Service Plan

From a FREE plan with basic access, to the most popular Premier service that gives you more features and supports up to 5 cameras, to the Elite plan for power-users, VueZone has a service plan for you.

FREE Premier* Elite*
View live video anywhere iOS & Android App, web
Motion detection with email alerts snapshot snapshot / video snapshot / video
Cameras supported 2 5 15
Locations supported 1 1 3
Digital pan & zoom
Securely record video to the cloud Up to 250MB; unlimited date range Up to 500MB; unlimited date range
*please visit us at www.vuezone.com/serviceplans for pricing

Heres how VueZone works

The cameras are battery-powered and connect wirelessly and securely to your Base Station. The Base Station simply plugs into an available port on your network router to communicate with your private, secure account in the Cloud.

VueZone VZCB2010
VZCB2010
enlarge
Package Contents

VueZone camera (VZCB2010)
Classic wall mount
2 Lithium CR123A photo batteries
Quick Install guide
System Requirements

VueZone base station
High-speed Internet connection and an available port on your router
Flash-enabled browser for viewing
It's easy to expand your VueZone system
Keurig Mini $37.59 or less at Kohl's OCT 9-13 with Kohl's charge
Added on : Thursday October 02nd 2014 08:00:04 PM
g: 3 Posted By: nuggy
Views: 1217 Replies: 5 OK.....Let's try and get a qualifier for the yearly T-Shirt.....

Kohl;'s will have the Keurig MINI Reg 124.99 on sale for $99.99......Pretty normal.....

But they have one those overlap in coupon periods which makes this special for this product and several others.....

Keurig K10 B31 MINI Plus Personal Coffee Brewer is the search SKU.....

1. $10 off $50 in home sale.........$89.99..........Code......HOMESALE10
2. 20% off Friends and Family..... $71.99.........Code.......FFSAVE20
3. .Kohl's charge discount(20%)....$57.59..........Code.......OCTPYD20
4.$10 Kohl's cash over $50.........$47.59..........No Code
5.Keurig $10 manuf. rebate....... $37.59..........PDF yet to be posted. Will be there within the above dates.
6.Fatwallet. 2 to 3% extra

I do not have the free ship code for October. I am sure someone will be happy to supply. These codes can be used in store also. If you are signed up you will/should have received them in the mail.

So from $124.99 to $37.59. That is approximately 70% off of manufacturers suggested retail price. Pretty hot.....

Additionally most of the above can be used for any item in the "Home Sale" areathat is in that $100price "sweet spot" to get 60ish percent off.

Nice overlap!
Appliance Deals

Kohl's Coupons
Keuring Mini $37.59 or less at Kohl's OCT 9-13 with Kohl's charge
Added on : Thursday October 02nd 2014 09:00:12 AM
g: 0 Posted By: nuggy
Views: 264 Replies: 3 OK.....Let's try and get a qualifier for the yearly T-Shirt.....

Kohl;'s will have the Keurig MINI Reg 124.99 on sale for $99.99......Pretty normal.....

But they have one those overlap in coupon periods which makes this special for this product and several others.....

Keurig K10 B31 MINI Plus Personal Coffee Brewer is the search SKU.....

1. $10 off $50 in home sale.........$89.99..........Code......HOMESALE10
2. 20% off Friends and Family..... $71.99.........Code.......FFSAVE20
3. .Kohl's charge discount ...........$57.59..........Code.......OCTPYD20
4.$10 Kohl's cash over $50.........$47.59..........No Code
5.Keurig $10 manuf. rebate....... $37.59..........PDF yet to be posted. Will be there within the above dates.
6.Fatwallet. 2 to 3% extra

I do not have the free ship code for October. I am sure someone will be happy to supply. These codes can be used in store also. If you are signed up you will/should have received them in the mail.

So from $124.99 to $37.59. That is approximately 70% off of manufacturers suggested retail price. Pretty hot.....

Additionally most of the above can be used for any item in the "Home Sale" areathat is in that $100price "sweet spot" to get 60ish percent off.

Nice overlap!
Appliance Deals

Kohl's Coupons
g: 0 Posted By: BenH
Views: 410 Replies: 18 Hoping that someone in the real estate business, or who has gone through this recently, can give me some valid info.

I'm in an 8 unit condo building that currently has a 38% OOR.
Most of the remaining owners occupants are hoping to leave within the next couple years (me included) and they, along with some of the absentee-owners would like to sell.

From what I (think I ) know, the current lending policies are like this:
1) FHA loans require 50% OOR
2) Conventional loans require 70% OOR. Although this is a general rule and not all financial institutions follow it. Many are on a case by case

In either case, we're SOL based on these numbers.

I have read some other literature which suggests that Fannie Mae/Freddie Mac actually don't actually have a minimum OOR if you will be purchasing as your primary residence.

I'm looking for the facts on what is true and current.
Also looking for any tips in trying to sell a condo under these stipulations. To me, it basically mean that you are narrowing the purchaser pool to only those who can pay cash, or can get a conventional loan on a case-by-case basis (excellent credit, etc).
Personal Finance Deals
Free Kindle Books- Outdoor Photography of Japan: Through the Seasons
Added on : Thursday October 02nd 2014 08:00:20 AM
g: 13 Posted By: remick
Views: 274 Replies: 1 Outdoor Photography of Japan: Through the Seasons - Volume 1 of 3 (Winter/Spring)
http://www.amazon.com/Outdoor-Photography-Japan-Through-Seasons-...

Outdoor Photography of Japan: Through the Seasons - Volume 2 of 3
http://www.amazon.com/Outdoor-Photography-Japan-Through-Seasons-...

Outdoor Photography of Japan: Through the Seasons - Volume 3 of 3
http://www.amazon.com/Outdoor-Photography-Japan-Through-Seasons-...


A Book of Photos taken in eastern and northern Japan through the four seasons of the year. Daniel has been living in Japan for over 10 years and he and Kazuya have known each other for about 9 of those years. They have been traveling around together and doing photography in northern and eastern Japan and exhibiting their work on their respective websites. Friends have been encouraging them to prepare a book of their photos so that the world can see them. They have finally gotten around to doing just that. This book highlights approximately 430 of their photos. The photos range from astounding mountain scenery taken through the seasons to close-up photos of flowers also through the seasons. If you wonder what Japan has to offer the traveler or tourist this book will give you some hints and clues as to what you might be able to see if you travel to Japan in any of the four seasons. This book will take you as far north as you can go on Hokkaido, the Northern Island, as well as to Akita, Aomori, Fukushima, Gifu, Gunma, Kanagawa, Nagano, Niigata, Saitama, Shizuoka, Tochigi, Toyama, Yamagata and Yamanashi Prefectures in Japan.



also

Some Violets of Eastern Japan - 2nd Edition
http://www.amazon.com/gp/product/B00JZG2JYK/

Climbing a Few of Japan's 100 Famous Mountains - volumes 1-12
http://www.amazon.com/s/ref=nb_sb_noss?url=search-alias%3Ddigita...
Totally Free Deals
Free Kindle Book, "Herbal Medicine For Beginners" @ Amazon.com
Added on : Thursday October 02nd 2014 08:00:15 AM
g: 8 Posted By: MrLincoln
Views: 475 Replies: 2 Link
Herbal Medicine For Beginners - A Beginner's Guide for Using Herbal Medicine for Curing, Healing and Health [Kindle Edition]Elaine Wilcox(Author), Herbal Medicines(Introduction), Herbals(Introduction), Herbal Remedies(Introduction), Herbal Medicine Guide(Introduction), Natural Remedies(Introduction)
2 reviews, 5-stars
Note: This is only a 23-page highly SIMPLIFIED INTRODUCTION!! It is hoped that it will serve as a springboard for further study for those who are so inclined!
Books Deals

Amazon Coupons
Free Kindle Book- Raptor 6 (was $14.99)
Added on : Thursday October 02nd 2014 07:01:52 AM
g: 12 Posted By: remick
Views: 773 Replies: 1 http://www.amazon.com/gp/product/B00HX7CTDO

4.7 out of 5 stars (127 customer reviews)
#1 in Kindle Store > Kindle eBooks > Literature & Fiction > Action & Adventure > War & Military



Editorial Reviews

Ronie Kendig is one of those rare authors who never fails to amaze me. No matter how many of her books I read, she always manages to outdo herself. Raptor 6 is no exception. The Quiet Professionals trilogy opens with rapid-fire force, pulling readers into a web so deep and tangled that surfacing feels like breaking water in a desperate attempt for air. If book one is any indication of what awaits in the next two installments, there is no doubt The Quiet Professionals will become my favorite Kendig series.

Fans of Kendig and/or military suspense wont want to delay in getting their hands on this one.
(Elizabeth Olmedo Fiction Addict 2014-02-14)

Raptor 6 was a real page-turner and well written. It is obvious that the author has done a great deal of research and it really comes through during the story. This book is a fast-paced thriller that I wouldnt hesitate to recommend.


Book Description
Raptor Team hunts down a threat to the American military community when cyber terrorists attempt to steal US national security secrets from the militarys secure computers. Then a missionary teacher with an advanced degree in quantum cryptology is captured, and Captain Dean Watters must risk everything to save her and his brothers in arms.
Books Deals

Amazon Coupons
FitStudio daily deal (bug?)
Added on : Tuesday September 30th 2014 06:00:07 PM
g: 0 Posted By: steveo
Views: 0 Replies: 1 For those Shop Your Way folks out there, it looks like the FitStudio.com daily deal is broken - allowing you get multiple "coupons" instead of just one per day. I'm pretty sure these are NOT stackable, but keep trying until you get something like $5 off $15. A few weeks ago, I had about $17 off $20 (multiple surprise points) and went into the store, and the system didn't really know how to handle them, so the associate essentially stacked them and gave me the full discount.
Health Deals
g: 0 Posted By: leonc
Views: 0 Replies: 0 While this isn't the lowest price ever for this football (that appears to be $8, but it only hit that price a few times and for what appears to be a single day each time), getting an official (NFL) size American football for under $10 is a great price, and the Amazon price just dropped below the $10 point to a current price of $9.89 with FSSS or free 2 day with Prime.
Linkazon

As an added note, for those who are not aware, if you have a Wilson football and the bladder springs a leak, you can get a replacement bladder and new laces from Wilson for only $5 shipped. You just send a check and tell them what size ball the new
bladder is for and they send the replacement bladder and laces. The address to send the check to is:
Wilson Sporting Goods
Attn: Football Repair
217 N. Liberty Street
Ada, OH 45810

In my case, I received the new bladder in about 2 weeks or less.



Sports & Outdoors Deals

Amazon Coupons
McDonalds $50 gift cards for $41.50 at CardCash
Added on : Tuesday September 30th 2014 04:00:03 PM
g: 0 Posted By: IgorSkovoroda
Views: 88 Replies: 0 Link
CardCash.com is offering a 17 percent discount on gift cards (2 days only).
For those who visit McDonalds a lot, you can think of it as a 17 percent return on investment.

Gifts Deals
2014 Black Friday T-Shirt Design Contest
Added on : Tuesday September 30th 2014 03:00:04 AM
g: 0 Posted By: HeatherS4
Views: 237 Replies: 0 Welcome to the 2014 FatWallet Black Friday T-Shirt Contest! It is the kick-off to our favorite time of year, when the opportunities to save money are as plentiful as the creativity of our new and loyal FatWallet members!  Here's your chance to become famous among your peers!  Design a FatWallet Black Friday T-Shirt that our community loves the most and you'll not only be famous, you'll be $500 richer!The Skinny on Our Fat Awards:Submit a qualifying design* and receive:A Private Message with a link to claim your free FatWallet Black Friday 2014 T-shirt!A 2014 Black Friday T-Shirt Design badgeAn entry into a drawing for one of ten $50 gift cards to shop at your favorite FatWallet store! (One entry per member.)Submit the winning design and receive:A box of FatWallet premium schwagThe coveted 2014 Ding Ding Winner's badge and all the bragging rights that come with it!12 Black Friday 2014 Black Friday T-Shirts with your crazy awesome winning design that you can give to others!50 Virtual High-Fives from FatWallet employees!A gift card loaded with $500 to spend at your favorite FatWallet store!Everyone who enters a qualifying design* gets a 2014 Black Friday T-shirt! (Only one t-shirt will be awarded per member.) *A qualifying design is a design must meet all the design guidelines, copyright guidelines and it must be in line with the FatWallet values. (All badges, t-shirts, and prizes will be awarded after the design contest and voting have ended.)Are you lacking the creativity gene?If you think you're lacking the creativity gene and are too chicken to submit a design...we understand. You can still get a free 2014 Black Friday T-Shirt by posting a qualifying Hot Deal between 9/30/14 - 10/27/14.The Design Guideline DetailsPlease review the design guidelines, grab the logos below, and create a super snazzy t-shirt design your fellow community members will want to choose as their favorite! Submit Designs 9/30/14 Noon - 10/14/14 NoonOnly FatWallet members can enter a design or vote.Aside from the FatWallet logo, your entries must be your own original, unpublished work and must not include any third-party logos or copyrighted material. By entering the competition, you agree that your submission is your own work and you give FatWallet all rights to the image.Quality not quantity is the goal. Multiple designs must be submitted as separate entries. Only one entry per person will be allowed in the final voting round. Only one free shirt will be awarded to each FatWallet member.Elements of a Qualifying Design:Incorporate both Black Friday 2014 and the FatWallet logo. (The logo may be either green and black, green and white, all black, or all white. The swirl can be used as an additional design element.)Fit inside an area of 17” wide and 18” high, on the front of a t-shirt.Use 3 colors maximum plus the background color of the shirt. No gradients, drop shadows or glow effects.Example: gray shirt, green and black logo, plus white accent.Gray shirt: Background colorGreen & Black logo = 1st and 2nd colorWhite accent: 3rd colorThe FW logo is PMS Green 376Submissions must be formatted as jpg or png. May not be on t-shirt background. One image submission per topic.NOTE FatWallet reserves the right to disqualify entries that do not meet design, copyright guidelines or are not in line with FatWallet values. We reserve the right to alter winning design for production suitability.FatWallet Logos:Click images for larger format.Green & BlackGreen & WhiteAll BlackAll WhiteSwirlCommon reasons for disqualifications:Using more than the 3 colors plus the t-shirtIncluding gradients, drop shadows, glow effects (they count as multiple colors)Alteration of the FatWallet logoUse of clipart or copyrighted imagesDesign Submission:Upload only one design per reply to this topic. (If you have multiple designs to upload, please upload them in separate replies so we can disqualify those that need it without disqualifying all your designs.)The deadline to enter is 10/14/14, 12:00 PM (Noon) CTAny designs that we do not feel can be duplicated for t-shirt silk-screening may not be included in the voting. We will do our best to notify you with a PM in a timely manner so you have the opportunity to submit another entry.Promote & VoteFatWallet staff will select a group of finalists (the number of finalists is TBD) and FatWallet forum members will select the winning design. The Voting Gallery will open at at noon on 10/16/14.Voting will take place between 10/16/14 Noon CT through 10/23/14 Noon CT. Winner will be announced 10/24/14.You'll be able to see all the finalists in the voting gallery. (I will post the link for you all when the voting gallery is live!)Only 1 design per user will be allowed in final voting round.You will be able to vote for your top 2 favorites in the final voting period.FatWallet Staff may not vote in the final voting period.Encourage your friends and family in social media to come and vote for your design!We discourage creating alt accounts to stack voting results. Anyone caught stuffing ballots or cheating will be disqualified, their votes will be erased, and they will lose any badges or entries into the gift card drawings they have earned as a result of this contest. If a member who has their design in the final voting round is caught stuffing ballots their design will be disqualified as well.Winners from Previous Years:2013 Winner2012 Winner2011 Winners2010 Winner2009 Winner2008 WinnerSee all 2013 Entries See all 2012 Entries See all 2011 Entries See all 2010 Entries See all 2009 Entries See all 2008 Entries Have fun! :) Heather
Deal Deals
Post a Hot Deal Get a Free 2014 Black Friday T-Shirt!
Added on : Tuesday September 30th 2014 03:00:04 AM
g: 1 Posted By: HeatherS4
Views: 156 Replies: 0 Ready to win free FatWallet schwag? The FatWallet Black Friday T-Shirt Games have begun and we've just opened up our annual 2014 Black Friday T-Shirt Design Contest thread! It's time to start earning those free t-shirts by submitting a design and/or posting a hot deal!  

Want a 2014 Black Friday T-Shirt? Here's what you need to do:
1. Submit a T-Shirt design of your own here by October 14, 2014 12:00pm (Noon) Central.
2. Share Your Hot Deals in the FatWallet Forums!STEP 1: Post a Hot Deal from one of our affiliated retailers    STEP 2: If your Hot Deal has a positive rating at the 24-hour mark, check your FatWallet private messages and follow the link to claim your T-shirt. The private message will be from "ForumNotifier."The deadline to claim your shirt and have pick of sizes is November 7, 2014. All shirts must be claimed by November 15, 2014, but we cannot guarantee we'll have your size available after November 7th.New This Year: In addition to earning a free t-shirt, you'll also receive our new "I Posted a Hot Deal and Earned a Free T-Shirt" badge! 
Got questions? We've got answers! Here are the Post a Hot Deal Get a Black Friday T-Shirt FAQ:
Q: Why does it have to be a deal from an affiliated retailer?
A: Because the shirts aren't free for us. 

Q: Do they have to be CashBack eligible deals?
A: No 

Q: Can I have more than one T-shirt?
A: One per person. 

Q: Did I make it? Where's my note; where's my T?
A: Give it time, friends! It can take up to 48 hours for you to receive notice. 

Q: When will I get my T-Shirt?
A: T-shirts that are claimed before November 7th will be mailed in time for Black Friday

Eligible deals will be posted after September 30, 2014 12:00 AM CST. Offer expires after 1,000 eligible Hot Deal topics, October 27, 2014 at 11:59 PM.
Need a little help? Not sure where to start and how to get your deals to turn "green?"
In case you're new to these parts, here's a little guidance to keep your deals "green" during this most serious shopping season:  Hot Deals Forum FAQ (Please read if you are new here!)   Deal Hunting 101 - tips, tricks and cheats to find and post the best deals   
P.S. If you believe you're eligible for a t-shirt, you have waited past the 48 hours after posting your deal, please PM me the link to the Hot Deal you posted so I can look into it. Please do not send me your link before the 48 hour mark!
Deal Deals
$5 off any 1 TENA Product on Amazon
Added on : Monday September 29th 2014 08:00:11 AM
g: 0 Posted By: Smartshopper76
Views: 244 Replies: 0 Go to the link below to get a coupon for $5 off any TENA product on Amazon. That's a HUGE discount!

https://www.amazon.com/gp/coupon/%245+OFF+On+Any+%281%29+TENA+Pr...

TENA has some great solutions for those everyday oopsies. Even better is a great discount!
Health Deals

Amazon Coupons
Handy Automatic Hands-Free Can Opener - $8.00 w/ FS @ DailySteals
Added on : Monday September 29th 2014 04:00:10 AM
g: 0 Posted By: Savvymommy03
Views: 218 Replies: 0 DailySteals has theHandy Automatic Hands-Free Can Opener on sale for $8.00 w/ free shipping.


Single-touch action for the hands free way to remove awkward tin lids
One touch operation is safe and hygienic
Cuts precisely leaving no sharp edges
Magnetically attaches to your can's lid for easy, mess-free removal
Can opener shuts off automatically after completely opening the can
Convenient size allows for easy storage in kitchen drawers
Ideal for those with arthritis or limited hand mobility
Opens variable sized cans (small, medium or large) quickly and easily
Contoured ergonomics design fits naturally in your hand
Powered by only 2 x AA batteries (not included)
1 Year Warranty

Home & Garden Deals
Have Chase Sapphire Pref, what next?
Added on : Sunday September 28th 2014 05:00:06 AM
g: 0 Posted By: Thisiswhaticanafford
Views: 79 Replies: 2 All,
Adult daughter was able to get Chase SP when they had 50K bonus a while ago. She is due for a $5K home improvement purchase and I would like to see her get another high-value card and she'd be able to meet a spend bonus with that improvement. Just missed the United 50K which would have been a consideration for her travel fun.

I keep thinking one of the AMEX so as to keep Chase open for if/when another United 50K comes along. But,I've also heard good things about Chase Freedom or Ink, is it true that those points can be combined into Chase Ultimate Rewards?

Thanks for any and all help/opinions!
Discussion Deals
g: 2 Posted By: remick
Views: 255 Replies: 0 Fred 2.0: New Ideas on How to Keep Delivering Extraordinary Results
http://www.amazon.com/gp/product/B008PX0IS8/
4.9 out of 5 stars See all reviews (54 customer reviews)

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



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

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



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

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



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

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



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

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

Amazon Coupons
Craftsman 13 in. Tool Bag - $3.99 FSP @ Sears
Added on : Sunday September 28th 2014 01:00:02 AM
g: 0 Posted By: Xenocrates
Views: 74 Replies: 0 Craftsman 13 in. Tool Bag- $3.99 FSP @ Sears

Note: I have one of these bags, they are pretty durable and can hold a lot of tools and weight. Definitely a good trunk toolbag.

4.5 / 5 Stars with 409 Customer Reviews


Also available for those who need more room:

Craftsman 2 pc. Tool Bag Set (16" and 20")- $11.88

4.5 / 5 Stars with 163 Customer Reviews




Tools Deals

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


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

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


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


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


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




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



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



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



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

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

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


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





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



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



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

** Plus $2,500 for wireless service


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

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

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

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

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


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

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

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


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


Toys, Games,& Collectibles Deals
Legal ways to lower tax liability between now and EOY
Added on : Saturday September 27th 2014 08:00:15 AM
g: 0 Posted By: hdpq
Views: 47 Replies: 1 My position at my previous employer was eliminated back in April and I received a fairly decent severance package. To put it bluntly, I earned more during severance than I would have if I had been an employee. Adding to the gravy train, I landed a job with a similar salary about a month ago, so I'll be "double dipping" for a few more weeks.

What can I do to lower my tax liability for 2013?

Since I am "double dipping" for a while, I'm going to be maxing out my 401k contribution. I have a feeling I'll be subject to income limitations for Traditional IRA contributions, so I won't make those contributions until next year for calendar year 2014. I do have 2 kids, so I can contribute to their 529 plan and lower my tax liability, but I have to make those contributions before 12/31. I am maxing out my transit benefit from my new employer, but that's just a couple hundred bucks a month - so won't make a huge difference. I do have a rental property, but we didn't have a lot of expenses there, so likely will just be taking some standard deductions with that.

I know this is a fairly broad question - but I'm open to ideas on how to legally lower my federal and state tax liabilities for 2014.

Tax Deals
g: 0 Posted By: BigBoyMichigan
Views: 244 Replies: 1 New Year = New Registration For 2014 McDonald's Monopoly Game

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


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



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



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




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



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



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

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


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





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





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





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



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

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

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



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

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

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




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


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

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


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



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


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




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



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



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

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


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





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



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





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



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

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

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



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

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

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




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


Toys, Games,& Collectibles Deals
g: 0 Posted By: BigBoyMichigan
Views: 0 Replies: 1 Were kicking off this years MONOPOLY at McDonalds game with a free code for our Facebook fans! Enter McDMONOPOLY when you visitwww.PlayAtMcD.comfor your chance at the $10,000 prize.

No Purchase Necessary. In-Store Game ends 10/27/14, or while supplies last. Pre-Promotion Sweepstakes for a chance to win $10,000 prize begins 12:00 a.m. ET on 9/23/14, and ends 11:59:59 p.m. ET on 9/29/14. Must be 13+ to enter and play online. Subject to Official Rules atwww.PlayatMcD.comand participating McDonald's restaurants. Monopoly 2014 Hasbro. All rights reserved. For online use.



McDonald's Monopoly Sweepstakes is here again! Enter the 2014 Monopoly Game at McDonald's for your chance to win thousands and thousands of prizes like a million dollars cash, $100,000 cash, free McDonald's food prizes, and much, much more!




FREE MONOPOLY CODES - EVERYONE CAN USE THESE ONCE
=================================================
*** COMING SOON ***



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



# CHANCES PER PRODUCT:
======================
*** COMING IN OCTOBER ***

* .................4 peels
* .................4 peels

* .................2 peels
* .................2 peels
* .................2 peels
* .................2 peels
* .................2 peels
* .................2 peels
* .................2 peels
* .................2 peels

* Check with store as once the peels runs out on a certain product, They will NOT be resupplied.



NEW PRIZES THIS YEAR:
=====================
**** COMING OCTOBER 2014 ***




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


if you use a code, please let others know! It saves us all time, and it makes our code donors feel good. RBM stands for Redeemed by me and RNBM means that you tried the code, but it was Redeemed, Not By me

And finally, if you WIN something, POST IT! Everyone loves hearing about the big wins!


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

g: 0 Posted By: Powderhorn
Views: 269 Replies: 0 Link... use code INTEL75 for 7500 Raukten Super Points (code expires 11:59 PDT Sept. 30) valid on a future purchase. (If you don't ever shop at Rakuten, this isn't even a warm deal).

As this is a new model, I've yet to see any reviews ... that said, I'm replacing my son's Nexus 7 that he dropped last week, so this is worth $10 to me, but I'd be a bit iffy on making this purchase hoping for something high-end. I'm definitely curious to see how it runs, as it will be the first Intel tablet I've touched.

Incidentally, it doesn't show up on the promotional home page (oddly, they prefer to give $75 back on $200+ tablets), and today's email features a third-party seller who's charging $10 more, so neither of those will get you to this price.
Android Tablets Deals

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

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

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

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



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

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



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

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



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

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



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

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



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

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



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

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



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

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

Totally Free Deals
Free personalized "I'm voting in honor of a Veteran" pin (NC only)
Added on : Friday September 26th 2014 02:00:07 AM
g: 0 Posted By: remick
Views: 51 Replies: 0 http://www.ncsbe.gov/ncsbe/vote-for-a-vet

North Carolina successfully launched this program in time for the 2008 General Election, with over 2,000 Veterans honored. The Vote in Honor of a Veteran Program provides North Carolina citizens an opportunity to pay tribute to those that have served, and continue to serve, this country to protect our freedom. You can honor a Veteran on any Election Day by requesting a pin and/or sharing a story
Totally Free Deals
Verizon Wireless $60 - 2GB data, unlimited voice/text
Added on : Thursday September 25th 2014 07:00:03 AM
g: 0 Posted By: dpid
Views: 33 Replies: 0 This plan is available for anyone, and Costco offers it.

For those on the individual plan from earlier this year, $60 for unlimited talk and text, 1 gb data,you can call VZW and get bumped to 2gb data for same price and no contract extension.

I called VZW, easy to switch. My account now has 2gb cap each month. The plan is called "Loyalty $60," and the original post is archived.

Free Valve Soundtracks DLC (For those who own the games already)
Added on : Wednesday September 24th 2014 10:00:12 PM
g: 0 Posted By: remick
Views: 73 Replies: 0 http://store.steampowered.com/search/?sort_by=Released&sort_orde...

To celebrate the release of the Steam Music, the following Valve soundtracks DLC are now available for free to those who own the related base games and documentary.
Includes Half Life, Half Life 2, Portal, and Portal 2
Totally Free Deals
g: 0 Posted By: peas
Views: 133 Replies: 0 LAUDE PULSE S800 5" qHD MTK6582 Quad Core Android 4.4.2 3G Phone 8MP CAM 1GB RAM 8GB ROM WiFi Display P05-S800=12px

It only has 8GB flash, 1GB RAM and moderate pixel density. But hey it's $88 and supports dual SIM cards. That's right, two real phone numbers in one phone.
Customer reviews are very favorable.
3G+ (HSPA+) compatible with AT&T and T-Mobile (TMO refarmed areas which should be most by now). And of course any MVNOs that use either of those carriers.
Coupon code xmas1 brings it down to $87.82 (yeah it saves a buck & change, better than nothing I guess)

LINK
Cell Phones Deals
g: 0 Posted By: remick
Views: 75 Replies: 0 https://itunes.apple.com/us/app/id434139679?

FREE today with 'App of the Day' (Reg. $29.99)
Vizzywig brings WYSIWYG to video for the first time ever. This all-in-one video camera and video editor allows you to edit your movie while you capture the event (or after) by integrating editing tools and a live-timeline into the video capture preview interface.

Import clips, add transitions, overlay snapshots and titles, set in/out points, split clips and even set background music while you capture the event. When the event is over, simply tap DONE and your finished movie is rendered in minutes complete with a professional studio intro, titles, transitions and even Hollywood-style scrolling credits.

Vizzywig also lets you record and live-switch from up to 16 iOS devices at the same time using our amazing remote camera feature or create multiple-angle music videos in minutes with a single camera using our new "Create Music Video" multi-clip feature.

Edit while filming. Add music, credits & more
Multi-camera recording & seamless sharing
WINNER: Macworld "Best of Show" Award
Import up to 30 clips or photos in one step
Seamlessly record, edit and share your videos in minutes.
Add transitions, preview your shots, trim clips and rearrange sequences.
Insert intros, titles, credits, photos and music.

OVER 1.2 MILLION USERS WORLDWIDE

PLUS! Connect up to 16 iOS devices over Wi-Fi so you can view, switch camera angles, record and edit all on the fly!

Heres what the critics are saying:

Easy and powerful. Jackie Dove, Macworld.com
A robust multi-camera video-editing suite. Kelly Hodgkins, TUAW
Youll be the next Steven Spielberg in no time! Zach Walton, WebProNews

CAPTURE THOSE MAGIC MOMENTS WITH EASE

NEW: Improved facial detection lets you record alone using several cameras.
NEW: Lock focus and exposure for better control.
NEW: Create multi-camera clips with a single device.
Switch between front and rear cameras while recording.
Snap photos while recording.
Add optional date & time stamps directly into the video.
Control zoom, focus, and exposure functions manually or automatically.
Supports 1920x1080, 1280x720 and 640x360 resolutions.
NEW: Hardware Video Stabilization
NEW: Audio Meter
NEW: 24p, 25p, 30p, 60p, 120p on supported devices.

TAKE UP THE DIRECTORS CHAIR

NEW: Add multiple background music tracks
NEW: Expanded library of looping background music tracks.
NEW: Copy audio from any recorded clip or any clip in your camera roll.
Connect and simultaneously record from up to 8 devices linked over Wi-Fi.
Capture the action from up to 8 unique angles.
Receive remote camera clips at full resolution.
Send or receive pre-recorded clips between devices.

EDIT YOUR VIDEOS LIKE A PRO

NEW: Insert "News Broadcast" titles over the bottom of your videos.
Preview, trim clips and process your final movie right on the spot.
Add fully customizable titles and scrolling credits.
Move, duplicate, delete or load clips without exiting the main camera view.
Enter full-featured editing mode for advanced users.
Access songs from your own music library.
Add a Hollywood feel with one of six professional-quality studio intros.
Import .MOV files or clips from many popular cameras.

SHARE YOUR CREATIONS WITH THE WORLD

NEW: Upload sessions with all edit details to dropbox or via iTunes Sharing.
IMPROVED: Email or upload directly to Facebook, YouTube, Vimeo or CNNiReport.
Select from 3 sharing resolutions for faster upload speeds or higher quality.
Question about Bid and Ask price
Added on : Wednesday September 24th 2014 10:00:20 AM
g: 0 Posted By: SinbadS
Views: 35 Replies: 0 On Yahoo quote summary page I see x 1000 and x 200 after Bid and Ask prices. What are those (x 1000 and x 200) exactly?
Bid: 39.86 x 1000 Ask: 39.87 x 200

Question Deals
can I do better ? PHL to BOD
Added on : Wednesday September 24th 2014 09:00:15 AM
g: 0 Posted By: mikebeets
Views: 41 Replies: 0 $1,075.50 per person RT : PHL to BOD

earliest I can leave is 14 Oct and I don't want much later than about 22 Oct. Trip about 3 or 4 weeks, for 2.
Want to spend as little as possible, but trying to avoid more than one stop.

PHL-MAD - Thu, Oct 16 - Dep: 6:40PM - Arr: 8:25AM - BA
MAD-BOD - Fri, Oct 17 - Dep: 4:45PM - Arr: 6:00PM - Iberia

BOD-MAD - Wed, Nov 5 - Dep: 9:15AM - Arr: 10:30AM - Iberia
MAD-PHL - Wed, Nov 5 - Dep: 1:10PM - Arr: 4:05PM - BA

We have been to Madrid a few times, but the 6h+ lay-over could be used for a minimum sight seeing.
We may even consider spending one extra day there.

Can I find a lower price for my flights ?

I have checked mostly Matrix, AA all carriers & Travelocity, going thru Toronto, Barcelona, Zurich, London, Amsterdam.
None of those seem to be as convenient.

Thanks in advance
Discussion Deals
Free After Rebate - GUNK ENGINE DEGREASER @ NAPA AUTO PARTS
Added on : Wednesday September 24th 2014 06:00:09 AM
g: 0 Posted By: KYBOSH
Views: 49 Replies: 0 Napa currently hasGUNK ENGINE DEGREASER on sale for $2.99.

They also have Mail-in Rebate Form for $3 off a can of the stuff (limit 3 per name/household/address) which ends09/30/14.

Get those engine bays clean!

Tools & Automotive Deals
charity related credit card rewards belong to ....
Added on : Wednesday September 24th 2014 05:00:15 AM
g: 0 Posted By: jstar1
Views: 72 Replies: 2 Interesting situation here: i use my personal credit card to buy gift cards at certain stores for 95 cents on the dollar, then sell them for 100 cents as part of a church charity program. The payments for the cards are deposited in the church account, and the church account pays my personal credit card bill. I get rewards on the credit card. Do You believe those rewards are mine (tax and obligation free ? So if I were to make a donation with my "take," it would be fully tax deductible?)
Of course this is all just a theoretical question ... But just wondering what the perception is from an ethical perspective .. My rewards? Or theirs? It is of course my credit ding etc.
Personal Finance Deals
g: 3 Posted By: remick
Views: 166 Replies: 0 http://www.amazon.com/gp/product/B00MU0OE1E

Do you struggle to understand the complicated world of music theory?

Does it frustrate you trying `get` what chords work with one another?

Do you watch other guitarists run up and down the fretboard and wonder why you can`t do that without playing wrong notes?

Every single guitarist has at some point struggled to understand what on earth is going on when it comes to the world of MUSIC THOERY.

GUITARISTS GET THEORY written by renowned author and music teacher, Dan Thorpe is here to help you simplify the complex world of music theory once and for all.

Learning music theory CAN be complicated but it doesn`t have to be.

Do not worry - `Guitarists Get Theory` has the answer...

- Learn how to find the notes on the fretboard using Dan Thorpe`s unique pattern system

- Get 3 absolutely must know formulas that most `experienced` players don`t get

- Use and understand The Note Circle`

- The 1 simple trick that will supercharge the most important part of your own songs

Want to write songs of your own?

This book will save you months, maybe even years - teaching you the greatest chord progressions all time such as the Modern, Modern minor, Catchy Pop, Soulful Pop chord progressions and more.

Also, learn a range of unusual chord progressions to sky rocket your own songs and help you understand those of your favorite artists.

PLUS Understand and use the Relative Major and minor key`, Consonance and Dissonance, harmony and which notes work with which chords so you can write awesome guitar solos and vocal melodies.

All this and more

WARNING: This book is all killer and no filler
Totally Free Deals
g: 0 Posted By: remick
Views: 177 Replies: 0 http://www.amazon.com/dp/B00KAGGTY0

SQL Server 2014 programming builds on achievements of decades in advanced relational database technology. Among the new SQL Server 2014 features is prominent: in-memory OLTP tables. Disk was always the slowest part of the computer system. Since memory is abundant, it is logical to place tables into memory to gain in performance. Programming SQL Server 2014 is fun due to the host of marvelous tools available for the developer in SQL Server Management Studio and Visual Studio. Graphical query designer, for example, helps the developer to develop the JOIN structure of a complex query. SQL Server 2014 provides a highly productive environment for database software development.

SQL Server 2014 introduces 3 new database design features: in-memory OLTP tables, inline index declaration in CREATE TABLE statement and updateable clustered columnstore indexes. In-memory OLTP aims to boost performance by reducing disk io as memory capacities are expanding frequently beyond the size of the database. SQL Server 2012 columnstore indexes are static. Updateable columnstore index expands the applicability of the performance feature. Inline index declaration elevates indexes to the level of PRIMARY KEY, FOREIGN KEY, CHECK constraint and DEFAULT constraint which can be declared inline.



also free

Functional CSS: Dynamic HTML without JavaScript
http://www.amazon.com/dp/B00KRQ3DJC/

This text delves into HTML and CSS organically. Each chapter focuses on a variety of HTML and CSS elements, together, in a context of practical and functional examples. Instead of dissecting each feature myopically, this book jumps into the "thick of it" and considers each HTML and CSS element in combination with other elements that are needed to make a given case work. For example, in chapter 2, explanations on how to build tooltips are provided, and topics, such as CSS selectors, absolute and relative positioning, text effects, CSS functions, and transformations, are covered. The key philosophical principle guiding this series is that software systems are synergistic combinations of diverse technologies; and, successful learning of these technologies is best facilitated via detailed and, importantly, immersive examples. Building functional mini-applications requires the fluent use of a broad range of HTML and CSS vocabularies. The cases presented in this series fully capture the richness of HTML and CSS languages.



Principles of Programming: Basic Concepts
http://www.amazon.com/dp/B00FNC3P0C/

Principles of Programming: Basic Concepts is a book created as a first programming resource for students and homeschoolers wanting to learn the basic concepts and an introduction to programming. Principles of Programming will take you through the simplest of programs that take one line of text to write, all the way through complex logic and fun programs for students.

10 easy lessons each with key concepts important to programming
26 programs created as examples and to be written by the student as practice
16 optional advanced exercises mean for those that desire extra instruction and challenge
download all the code to create each program



Microsoft Office 2013: An Introduction: A hands-on introductory tutorial for Microsoft Office 2013
http://www.amazon.com/dp/B00NMVS8IK

Get a hands-on, fast-paced yet thorough introduction to Microsoft Office 2013 with the use of Microsoft Office 2013: An Introduction!
If you want to put the power of Microsoft Office, the worlds most popular multi-purpose suite, to work quickly and with a minimal amount of hassle, THIS is the book you have been looking for! Whether you are seeking to create the best Word documents, comprehensive Excel spreadsheets, PowerPoint presentations that sizzle, or Access databases that provide the answers to all of your database questions, youll get a running head start with Microsoft Office 2013: An Introduction. In this book, you will learn to:

Create impressive documents in minimal amounts of time using templates and Word
Use Microsoft Excel to build worksheets and charts that you need to get your analytical point across
Prepare and present business presentations that dazzle with PowerPoint
Store, organize, and report on the precise data you need with Microsoft Access



The 2014 Guide To Free PC Software: Over 150 Superb Programs That Won't Cost You A Single Penny!
http://www.amazon.com/dp/B00HM9B7C2



Introducing Windows 8.1 for IT Professionals
http://www.amazon.com/gp/product/B00JYE19VW

Get a head start evaluating Windows 8.1 - with early technical insights from award-winning journalist and Windows expert Ed Bott. Based on the Windows 8.1 Preview release, this guide introduces new features and capabilities, with scenario-based advice on how Windows 8.1 can meet the needs of your business. Get the high-level overview you need to begin preparing your deployment now.

Preview new features and enhancements, including:

How features compare to Windows 7 and Windows XP
The Windows 8.1 user experience
Deployment
Security features
Internet Explorer 11
Delivering Windows apps
Recovery options
Networking and remote access
Managing mobile devices
Virtualization
Windows RT 8.1


Books Deals

Amazon Coupons
Walmart / Green Dot Team to Offer Checking Accounts
Added on : Tuesday September 23rd 2014 04:00:24 PM
g: 0 Posted By: NEDeals
Views: 2 Replies: 0 It looks like WalMart might finally meet its goal of offering banking services. Its new relationship with Green Dot allows it to sidestep federal regulators who didn't want WalMart becoming a bank.
(NY Times) After years of thwarted efforts to break into banking, Walmartis making its biggest foray yet into everyday financial services.WalMart, the nations largest retailer, is teaming up with Green Dot,known for its prepaid payment cards, to supply checking accounts to almost anyone over 18 who passes an identification check.Daniel Eckert, senior vice president at WalMart, said on Tuesday that the accounts would be available nationwide by the end of October. The accounts are intended to be low-cost alternatives to traditional bank checking accounts, with no fees for overdrafts or bounced checks and no minimum account balance.In comparison, a basic checking account at Citibank charges $12 if a check is returned and $34 for overdrafts.Green Dot accounts with direct deposits of less than $500 a month will cost $8.95 a month. Mr. Eckert said that most people on Social Securityor fixed pensions would qualify.GoBank, as the service is known, is part of WalMarts long-running push into financial services for people with little or no access to traditional banking. In recent years, many banks have reduced services to those with weak credit. According to the Federal Deposit Insurance Corporation, an estimated 10 million households in the United States do not use a bank.

New York Times article http://www.nytimes.com/2014/09/24/business/finding-a-door-into-b...
g: 0 Posted By: tedhawkins
Views: 219 Replies: 0 Continental 26" Mountain King 2.2 Mountain Tire $19.99 performance bike Fs to store or $4.99 Flat shipping

http://www.performancebike.com/bikes/Product2_10052_10551_116828...

Continental 26" Mountain King 2.2 Mountain Tire
The 2.2 Mountain King goes well virtually everywhere -- in cross country races, marathons, or all day trail rides. It is slightly lighter than its bigger 29" brother without sacrificing its outstanding qualities.

The Mountain King is the perfect choice for those not requiring larger volume, but demanding aggressive traction with relatively low rolling resistance and lighter weight. The revised tread design now performs well in harder, dryer conditions.

680 grams per tire
3 plies for a total of 84 TPI
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$128,430.01 in student loans, what to do?
Added on : Monday September 22nd 2014 02:00:12 PM
g: -1 Posted By: CinderellaMan
Views: 178 Replies: 7 Is there an online forum that focuses on discussions of repayments of student loans?

Here is my situation (will simply ignore those who wish to bash my situation. Yes I know its that of a debt slave and yes I would do things differently if were to do again)

Income of 50,000 and spousal income of 30,000 per year before taxes. Here are the monthly options I'm getting for repayment:

Graduated 498.46
Income Based: 101.70
Standard: 1,159.84
Extended Standard: 789.86
Extended Graduated: 562.48
Income Contingent: 368.14

Income based is of course tempting but something tells me there must be a catch hidden to it in the future.

These are the basic pros/cons SUPPLIED BY THE LENDER:

Graduated:This plan sets low monthly payments that gradually increase every two years.Advantages

When making graduated payments, you begin repaying your loans at a lower payment amount than on the Standard Repayment Plan.
Your payment amount will increase every two years; however, your highest payment will never be larger than three times the amount of your first payment. For example, if your payment started out at $50 for the first two years, increased to $65 the next two years, after 8 years, the highest payment would be no more than $150.

Disadvantages

The amount of interest paid over the life of the loan is higher with this option compared to the Standard Repayment Plan.

Income Based:Your monthly payment amount is based on a formula that uses your Adjusted Gross Income, total indebtedness, and family size. Any balance remaining after 20 or 25 years (depending on your loan term) on an IBR plan is forgiven.Advantages

This payment plan was designed for customers whose student loan debt exceeds their annual income.
Designed to make your (and your spouses if applicable) monthly student loan payments more closely match your income.

Disadvantages

Every 12 months, to re-evaluate the payment amount, you must certify your adjusted gross income and family size.
If you qualify, you may pay more in interest than those who repay their loan under the Standard Repayment Pl

Standard:This plan has set scheduled monthly payments for the life of the loan.Advantages

Standard is the most commonly chosen repayment plan.
The minimum monthly payment is determined by the amount of the loan and the length of the repayment period.
Generally, this plan is the most economical method of repayment.

Disadvantages

This plan typically has the highest monthly payment amount; however, it allows you to pay off your loan faster, saving you money.

Extended Standard:If you meet the qualification requirements, a Standard or Graduated plan can be set up with the difference being that the repayment term will be up to 25 years.Advantages

The Extended Repayment Plan will be used in conjunction with either the Standard or Graduated Repayment Plan and will have a repayment term of up to 25 years.
The Extended Repayment Plan can result in a much lower monthly payment amount.

Disadvantages

This plan increases the total amount of interest paid over the life of the loan.

Extended Graduate:If you meet the qualification requirements, a Standard or Graduated plan can be set up with the difference being that the repayment term will be up to 25 years.Advantages

The Extended Repayment Plan will be used in conjunction with either the Standard or Graduated Repayment Plan and will have a repayment term of up to 25 years.
The Extended Repayment Plan can result in a much lower monthly payment amount.

Disadvantages

This plan increases the total amount of interest paid over the life of the loan.

Income Contingent:Your monthly payment is calculated based on your Adjusted Gross Income (and your spouses Adjusted Gross Income if you are married and filed a joint return or request joint repayment), family size, and the total amount of your outstanding eligible Direct Loans.Advantages

This payment plan was designed for customers whose student loan debt exceeds their annual income.
Under this repayment plan the repayment term may be extended to up to 25 years.

Disadvantages

If you qualify, you may pay more in interest than those who repay their loan under the Standard Repayment Plan.






Question Deals
Craftsman 299-piece Ultimate Easy Read Socket Set $319.96 FS at Sears
Added on : Monday September 22nd 2014 08:00:08 AM
g: 0 Posted By: priyacg
Views: 179 Replies: 0 Craftsman 299-piece Ultimate Easy Read Socket Set $319.96 FS at Sears

http://www.sears.com/craftsman-299-piece-ultimate-easy-read-sock...

299-piece Ultimate Socket Set Is a DIY Secret Weapon
Every chrome socket you will need is included in this Craftsman Ultimate Easy Read Socket Set with 299 chrome sockets to choose from. In fact, this set includes every chrome socket size made by Craftsman in 1/4, 3/8 and 1/2-inch drive, so you won't have to go back to the store to find just the right size. Both standard and metric sizes are included, giving you all the options you need to complete any job that might come up. The set include 1/4",3/8",1/2" drive sizes in both regular and deep lengths so you can easily access all those hard to reach places.
The 299-piece Ultimate Socket Set with its laser-etched markings offers easy-to-read sizes, which makes it a snap to find just the right socket size you're looking for to complete your task. This ultimate set truly includes the sockets that you as a mechanic, DIYer, handyman or hobbyist will need to get each and every project to completion. Plus, this set is covered by the Craftsman warranty, so you get peace of mind, guaranteed.
The Craftsman Easy Read Socket Set contains every Craftsman Socket made
Easy read sizes take the strain off your eyes and let you find just the right socket every time
3/8" Drive: 13 6 pt. standard sockets; 17 6 pt. metric sockets; 5 8 pt. standard sockets; 13 12 pt. standard sockets; 15 12 pt. metric sockets; 11 6 pt. deep standard sockets; 11 6 pt. deep metric sockets; 11 12 pt. deep standard sockets; 13 12 pt. deep metric sockets
1/4" Drive: 11 6 pt. standard sockets; 12 6 pt. metric sockets; 10 12 pt. standard sockets; 10 6 pt. deep standard sockets; 11 6 pt. deep metric sockets; 10 12 pt. deep standard sockets
1/2" Drive: 1/2 in. Drive:15 6 pt. standard sockets; 14 6 pt. metric sockets; 6 8 pt. standard sockets; 19 12 pt. standard sockets; 24 12 pt. metric sockets; 11 6 pt. deep standard sockets; 9 6 pt. deep metric sockets; 18 12 pt. deep standard sockets; 15 12 pt. deep metric sockets
Craftsman Warranty guarantees your new set forever
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UFC - PlayStation 4 or Xbox One 29.96 @ Amazon
Added on : Monday September 22nd 2014 12:00:03 AM
g: 0 Posted By: ctgolfer
Views: 133 Replies: 0 free shipping with Prime or on $35+

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

www.amazon.com/dp/B00CXCCH1I/
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Widener's has PPU .45ACP ammo $14.99/box 50 plus ship
Added on : Sunday September 21st 2014 06:00:03 PM
g: 2 Posted By: faldoc
Views: 210 Replies: 0 Prvi Partizan 230 gr FMJ, brass cased, boxer primed, non-corrosive, new ammo, $14.99/box 50. This is as low as reloaded lead ammo, or Berdan or boxer primed Russian bimetal jacketed polymer coated steel cased ammo. It is made in Serbia.
For those who want US made reloaded ammo, please look it up at gunbot or ammoseek. The purpose of this post is for folks who want quality new manufactured ammo which they can reload. Most new handguns have a voiding of the warranty using reloaded ammo. The least expensive NewUS made ammo I found in a brief search is Blazer and it's about 20% more expensive.
http://www.wideners.com/itemdetail.cfm?item_id=100000103&dir=18|829|842
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Posting a rental and managing applicants
Added on : Sunday September 21st 2014 05:00:08 PM
g: 0 Posted By: Cammel
Views: 133 Replies: 0 Hello everyone. Long time FW member (reader) and want to let everyone here know I appreciate all the insight and experiences you share.

Needing some advice on my first rental I purchased (yes, you all have inspired me). It's a 3 BR 2 BA SFDU, built in 2005 and is 1100 square feet (rent is $650). House is very clean and neat.

I used postlets.com to advertise as well as craigslist. The next (Tuesday) day I had over 10 emails and 30 calls about the place and that evening (about half of them left messages saying they had the money and wanted to move in right now) I removed the post from all the sites just to manage the candidates. (I didn't answer any calls, had them leave VM) I called 3 back (ones I thought were most promising), gave a phone screen, then setup an open house to view the property (.on Sunday). 2 of the applicants came, viewed the house and took applications. I don't think either will bite.

So, a couple lessons learned. One, I may have an opportunity to increase the rent, but it is what it is. Two, I may have taken things too cautious when it comes to screening and picking the right folks to view. Maybe they lost interest having to wait 4-5 days just to see the place?

I was thinking of a new approach, but I haven't seen it done, so wanted this audiences input.
1) Post the property back on postlets and craigslist.
2) Include in the posting the "Screening" criteria (minimum income 3x rent, no pets, no smoking, $30 application fee per adult tenant (to cover credit and background checks) 6 tenants max, why are the moving, have they ever been evicted, can they bring 1st month rent and deposit at lease signing, can they supply employment and landlord reference, etc).
3) Include on the posting an open house (between 6:30 and 7:30) the next two days. They can come view the property and take/fill out a lease application in person
4) Include on the posting a link to the lease application.

So, the intent is to quickly process a number of prospective applicants by
(1) let them know the criteria before coming to view the house.
(2) Giving them access to the lease application online before hand.

That way, those who come to the open house should only be those who haven't excluded themselves from the initial screening information on the post.

Is this a wise idea? Am I "showing my hand" by providing all the info up front? Why don't I see this done on other rental posting?


** Sorry, meant to put this in the rental thread... Mods, if you move that there, it would be great.**



Question Deals
How I finally Managed to Ditch Fiat Currency Without Embracing Bitcoin.
Added on : Sunday September 21st 2014 09:00:08 AM
g: -1 Posted By: eddierd
Views: 131 Replies: 2 I came across this article (I am not the person who wrote it). I wanted to get the opinion the FW's regarding this way of paying your bills. Sounds quite interesting. Here is a piece of the article and (because of copyright issues) I give you the link where the article continues:

Well, I stopped using greenbacks for the most part. This is how. There is an organization in my state called UPMA and they convert my FRN into gold and allow me to spend it in any denomination that I want. They can legally do that because Utah has reauthorized gold and silver as legal tender. Let me explain how it works.Every month I deposit over $1,000 of Federal Reserve Notes into my United Precious Metals Association account and those are converted into "U.S Treasury" Golden dollars. $50 gold dollars is the face value of one ounce of gold so one gold cent is worth about a quarter. My $1,000 from work turns into about $43 in gold.With this account I can pay people and businesses directly in gold. I can withdraw gold in denominations of $50 (or one golden eagle). Chase bank and Discover accept gold payments. So do hundreds of other merchants. I can pay everything with gold and for the services where they don't accept it I can use a credit card and pay that off with gold. What this does is that it turns the money that I use everyday back into gold. Gold is money when it is used as money. It is an asset when it sits around. To open an account or to check out the details I recommend going to their website. The Attorney General of Utah has thrown his weight behind this. It has been really great. You can use it out-of-state and you can even use it to pay merchants that want FRNs without much of a penalty. You need to login to read the user agreement. That is where many of the details are regarding costs and whatnot.If you make 10 or fewer transactions and hold less than $50 in gold and make no more than 1 transaction from gold dollars to FRNs then it is a free account. The fees a very reasonable. For example, it costs 10 gold cents (like $2.50) as a service fee if you have more than $50 in your account.


Short Article Continues:http://www.dailypaul.com/326494/how-i-finally-managed-to-ditch-f...

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

How does it work?

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

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

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

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

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

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

Not everyone will get ID verified automatically on signup, including no one outside the US. Those people can still try to get the free $25, but they'll have to manually send proof of ID to customer support and hope it's approved. See details on their faq here: https://playercare.ultimatepoker.com/hc/en-us/articles/200401024...
Surveys & Rewards Deals
Free Rental Car Credits And Damage Waivers
Added on : Sunday September 21st 2014 07:00:15 AM
g: 0 Posted By: robronson
Views: 33 Replies: 1 It's my understanding that credit cards only offer their damage coverage if you pay for the full rental on the card. One "trick" I've heard is to book a rental with your credit card that offers the best reward points (2% Cash Back, perhaps), and if you damage the vehicle, when you return it, ask them to change the credit card payment to a card that offers a better rental car insurance coverage.

What are thoughts on using the "free rental car credits" that you earn from renting cars? For those not in the know, these are like frequent flier points, but only good for rental cars. My concern is if I take a trip, and use a free rental credit for even one of the days, then the credit card won't cover any insurance claim, even on days paid for by the credit card.

Further, if I pay for a whole trip using free rental credits, then obviously my CC won't cover anything. Given that the rental car company's damage waivers cost 1/3 to 1/2 of the rental per day, if I have to pay for their coverage while using the free credits, it makes the free credits nearly worthless.

Can I book a trip using free credits and if I damage the car, ask them to switch to a credit card payment at the end of the trip? I doubt that's possible, but it's the only thing I can think of.

What are the FWF-approved ways of safely using these free rental car days?
Discussion Deals
g: 0 Posted By: ctgolfer
Views: 186 Replies: 0 free shipping with Prime or on $35+

Wheat free, all natural treat
Simple, clean, and wholesome ingredients and great for all dogs, even those with allergies or sensitivities
Free of corn, salt, sugar, soy and egg
No artificial colors, flavors, or preservatives
Made in USA

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$15 iTunes Gift Code - $10 @ Groupon
Added on : Thursday September 18th 2014 09:00:04 PM
g: 0 Posted By: Xenocrates
Views: 132 Replies: 0 $15 iTunes Gift Code- $10 @ Groupon

Note:Those who got one of these last time may not be able to get one this time as it is the same landing page and the limit was 1 so it may try to deny you as though you were buying a second one.

Fine Print:Limit 1 per person. Valid only on iTunes Store for U.S. Not redeemable for cash, no refunds or exchanges (except as required by law). Risk of loss and title for code passes to purchaser on transfer.Code may not be used to purchase any other merchandise, allowances or iTunes gifting. Content and pricing subject to availability at the time of actual download. Additional terms apply,see iTunes Code Terms and Conditions.Merchant is solely responsible to purchasers for the care and quality of the advertised goods and services.
Music Deals

Groupon Coupons
g: 0 Posted By: fsidos
Views: 79 Replies: 0 http://www.amazon.com/dp/B00ICSA0J8/ref=nosim/?tag=web2list-20&l... DescriptionPublication Date: February 9, 2014Christmas Cookies are a necessity for the holidays, but are you tired of the same old vanilla sugar cookies with vanilla frosting? Have you used the same recipes over and over again for the past 10 years? This E-book is just for you!

Learn techniques for making those Christmas cookies unique and original.

Use these recipes for more than just Christmas time. These cookies and tips are great for Valentine's Day, Mother's day, birthdays, Thanksgiving and other special occasions as well! Or surprise your family, neighbors or friends and make them on any day of the year.
Totally Free Deals
Olive Garden Never Ending Pasta Bowl - Starting 9/22
Added on : Thursday September 18th 2014 10:00:05 AM
g: 0 Posted By: forbin4040
Views: 255 Replies: 0 For those of you who eat at Olive Garden and did not buy their $1000 AYCE card,

The Never Ending Pasta Bowl is coming back next Monday, I can hear my arteries hardening as I type this

Starts at $9.99 on 9/22 and ends 11/09
Restaurants & Entertainment Deals
LG 55-inch LED HDTV 55LN5400 $700 + $250 egift card @ Dell
Added on : Thursday September 18th 2014 09:00:13 AM
g: 0 Posted By: 74ak
Views: 263 Replies: 1 For those who need to burn Dell gift cards, like myself.

Add LG 55LN5400to the cart to see $250 egift card
http://accessories.us.dell.com/sna/productdetail.aspx?c=us&l=en&s=dhs&cs=19&sku=A7591984
Amzon $678
Highlights

LED Backlighting

TruMotion 120HZ

Full HD 1080p Resolution

Triple XD Engine

Resolution Upscaler

Picture Wizard II

2 HDMI Inputs

SIMPLINK Connectivity









Overview
LGs 55LN5400 delivers stunning picture quality. With LED backlighting you get amazing brightness, clarity and color detail. With TruMotion 120Hz your action movies and sports will look crystal clear with virtually no motion blur. And, Full HD 1080p has almost double the pixel resolution of standard HD so you see detail like never before.

Manufacturer Part# : 55LN5400
Dell Part# : A7591984


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g: 1 Posted By: remick
Views: 191 Replies: 0 http://www.amazon.com/dp/B00F5KX778/
4.8 out of 5 stars (59 customer reviews)

Paul David Tripp expertly traverses the deepest recesses of the human heart and compassionately invites fellow Christian travelers to journey with him into God's bigger kingdom.

The author promises readers that they will be encouraged, excited, and motivated by hope as they learn how to set aside their "little kingdom" attachments which can expertly masquerade within the church as Christian activism, legalism, emotionalism, formalism, creedalism, and externalism; in favor of God's expansive and soul-freeing eternal quest. Tripp demonstrates through sound biblical principles how humanity is made by God to transcend far beyond the mere physical realm and is likewise created to be "glory junkies;" those whose visionary lives are governed by God's grand purposes rather than existing only within their narrow self-interested confines.

Writes the author, "It is a fundamental denial of your humanity to narrow the size of your life to the size of your own existence, because you were created to be an 'above and more' being. You were made to be transcendent." Tripp then shows Christians how to "transcend" through daily, moment-by-moment, practical methodology that transforms individuals into the image of Christ. It is within this purpose-driven framework, this "Quest for More", that Paul Tripp compels believers to see beyond the worldly deception of personal achievement, success, materialism, in order to break free from this ungodly fulfillment that is too easily satisfied with a mediocre walk with Christ. Instead the author invites committed sojourners to a life characterized by an unyielding passion that pursues God simply for the pleasure of his glorious company and in the process, affect eternal change in a hurting, hopeless world.
--
Prolific author and international conference speaker, Paul David Tripp, is president of Paul Tripp Ministries whose mission is to educate and equip today s Christian by combining in depth study of God s Word with practical life application. Tripp, also a pastor with over 15 years of pastoral ministry, is an adjunct professor at Westminster Theological Seminary and adjunct faculty member at the Christian Counseling & Educational Foundation in Glenside, Pennsylvania. He is the author of such best-selling titles as, Instruments in the Redeemer's Hands; War of Words; Age of Opportunity; Lost in the Middle, How People Change and Relationships: A Mess Worth Making. Tripp has been married for 35 years and has four grown children.



Forget Me Not
http://www.amazon.com/gp/product/B00823TVQQ

Inspired by the five petals of the tiny forget-me-not flower, President Dieter F. Uchtdorf reminds us of five things we will be wise to never forget:
To be patient with ourselves
To distinguish between a good sacrifice and a foolish sacrifice
To be happy now
To focus on the why of the gospel
To know that the Lord loves each of us infinitely.
A wonderful gift for any woman in your life!


40 Prayers for Christmas
http://www.amazon.com/gp/product/B00HGJL8FY/


Intimate Moments with God: Everyday Power Devotions
http://www.amazon.com/gp/product/B00FI7LVP8/


All About Jesus: The Single Story from Matthew, Mark, Luke, & John
http://www.amazon.com/gp/product/B009MTOBCI/


Who is the Holy Spirit? (Crucial Questions Series Book 13)
http://www.amazon.com/gp/product/B00AW02OZ2/


What is the Trinity? (Crucial Questions Series Book 10)
http://www.amazon.com/gp/product/B00AW02OZW


The Action Bible Easter Story
http://www.amazon.com/gp/product/B00IK7X4MQ



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g: 1 Posted By: tedhawkins
Views: 128 Replies: 0 G&L Tribute M2000 4-String Electric Bass Honeyburst Rosewood Fretboard $399.99 Fs @ MFhttp://www.musiciansfriend.com/stupidProduct DescriptionThree decades ago, the G&L L-2000 bass served notice that company founder Leo Fender was ready to disrupt the status quo. The bold, brash L-2000 has always been an exhilarating experience for players with the skill to pull it off. Now the new M-2000 and M-2500 harness that power with a sonic palate that will surprise and delight new and die-hard G&L fans alike.

Leos MFD humbuckers have always been the heart of the iconic L-Series. In the all-new M-Series, these powerhouses are voiced to fully exploit a studio-quality 18V preamp system specially designed by G&Ls R&D wizard Paul Gagon. With an LF442 chip, 100V poly caps, 1% metal film resistors and big, fat signal traces on the mil-spec circuit board, this preamp reveals everything the player and the instrument have to offer.

And theres even more:
Primary volume and pan controls to explore the full range of sounds available between the two pickups
3-band EQ with peripherally placed, center-detent, reduced-diameter knobs
An impeccable, familiar feel of the instrument in the hands and on the shoulder
The return of the classic C-shape 1-5/8 neck, discontinued by G&L in the 1980s

For slapping, rolling back some highs and dialing up some lows, coupled with a mid-range boost, magnifies the intensity that Leos humbuckers are famous for. Need more definition for fingerstyle? Just bring up the treble and roll off the bass for a nuanced and detailed sound. Headroom? The new M-Series preamp harnesses the power of those meaty MFD humbuckers without a hint of clipping. The best tools are simple, intuitive and easy to use, and thats exactly what youll find in the new M-Series package.Features

34" scale
Two Leo Fender-designed / Paul Gagon-specified G&L MFD humbucking pickups made in Fullerton, California
Swamp ash body on translucent and burst finishes, basswood body on solid finishes
Hard-rock maple neck with maple or rosewood fingerboard
Medium C shape neck profile
22 medium-jumbo frets, nickel
Traditional open-back tuning keys
Leo Fender-designed G&L Saddle-Lock bridge
G&L M-spec 18V preamp, volume, pan, 3-band boost/cut EQ with center detents
Case sold separately

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Using HELOC to fund 529 HSA SEP and Traditional IRA Pros and Cons
Added on : Thursday September 18th 2014 04:00:15 AM
g: 0 Posted By: ScottMalinowski
Views: 1 Replies: 0 I need some advise. Here is the story.

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

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

Total 27K

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

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

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

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

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

Should I use my HELOC to fund these investments?

g: 0 Posted By: remick
Views: 62 Replies: 0 http://www.amazon.com/gp/product/B0071CVVIK/

In this Second Edition Peter Clark shares over 60 years of hard-won experience as a beekeeper in this conversational and practical guide to beekeeping. The book content has been revised, updated, and restructured based on recent feedback.

Writing from South Africa Peter's essential knowledge of the honeybee is transferable to many regions and climates. In Tales of an African Beekeeper you will be entertained as well as find valuable material into which you can dive at will, each of the chapters standing alone to become a lifelong reference book and manual.

The Tales of an African Beekeeper, by veteran beekeeper Peter Clark with over 60 years of experience in the field and still working his bees at age 75, will stimulate the enquiring mind of those who are aware that there is such a creature as a bee and that there are people who devote their lives to working with bees. There are folk who have desired to keep bees and this read will whet their appetite and encourage them to get started. There are also those who have started and are not aware of the in-depth nature of the subject that could take them far beyond their wildest dreams.

To the seasoned old beekeeper there will be that knowing grin that similar experiences also occurred in his life, but he too will learn something new from these pages.

The book will soften the hearts of those who hate and detest bees, those whose only desire is to kill them at first sight. However there are those who have lost a loved one due to a bee sting and they must be pardoned from wishing to take revenge. Discovering the brilliance of the honeybee will ease their burden and they will glean a better understanding of this marvelous creature of Gods creation.

The chapters are short and to the point and are designed for a reference at a glance, diving into the relevant topic for just-in-time wisdom. The structure of the book is to begin with a general overview of the bee and beekeeping, and is then broken into the broad topics of Starting Out, Removing Bees, Working With Bees, Honey Production, Things To Watch Out For, and ends with Appendices which deal with the business side of beekeeping and with seasonal management.

The chapters on incidences and episodes of bee disasters are true occurrences in which the author was involved. There were many, many more far too many to describe within the pages of this book. They have been related to illustrate the ongoing life of a beekeeper.

The book will appeal to beekeepers, gardeners, farmers and horticulturists, and all lovers of the great outdoors who Daily Look upon a foraging bee and marvel at this most industrious of workers.
Totally Free Deals
g: 0 Posted By: tedhawkins
Views: 159 Replies: 0 53 Portable Closet Storage Organizer Wardrobe Clothes Rack With Shelves Grey $34.99 Fs BCP via eBay

http://www.ebay.com/itm/53-Portable-Closet-Storage-Organizer-War...

Sturdy metal frame and breathable fabric
Spacious shelves and a hanging rod for longer outfits
Quick and easy installation

SPECIFICATIONS:

Product dimension: 52.4 (W) 18 (D) 67 (H)
Color: Grey

PLEASE NOTE:

Our digital images are as accurate as possible. However, different monitors may cause colors to vary slightly.
Some of our items are handcrafted and/or hand finished. Color can vary and slight imperfections in the metal work are normal and considered evidence of the hand-finishing process, which adds character and authenticity to those items.


Furniture Deals

eBay Coupons
Alibaba IPO this Friday 9/19
Added on : Wednesday September 17th 2014 03:00:15 PM
g: 0 Posted By: xerty
Views: 96 Replies: 4 The IPO is scheduled to start this Friday and the old discussion thread got archived.

http://www.fullofdeals.com/forums/arcmessageview.php?catid=52&thre...

The indicative price range of $66-68/share values the company at $170B or so. At those prices, that would put it right around the 20th biggest company.If they get off to a good start, they might give Coke or Facebook a run for their money in terms of total valuation. It should also be an exciting day for Yahoo, since YHOO is selling some of their stake in the IPO, and is largely worthless aside from that.

If you like the company, you might pick up some shares since the index funds won't be buying this one. It's a complex Cayman based company structure to get around Chinese foreign ownership rules, so it doesn't qualify for inclusion in most of the standard indexes (although that may get changed eventually if they're embarrassed by missing such a big company). The ADR trading in the US will have the ticker BABA.

Personally I think it's probably worth more than the IPO is currently pricing, but I'm not smoking the same drugs as these guyswho think it's worth $100/share.

Disclosure: already long
Discussion Deals
g: 0 Posted By: tedhawkins
Views: 183 Replies: 0 GearXs Tool Solutions 39PC Stubby Ratchet Screwdriver & Bit Set $7.99 Fs @ GearXs via eBay

http://www.ebay.com/itm/GearXS-Tool-Solutions-39PC-Stubby-Ratche...


Looking for a portable screwdriver and bit set you can take anywhere? This GearXs Tool Solutions 39PC Stubby Ratchet Screwdriver & Bit Set allows you to do just that! It has a travel case design, and features 39 screwdriver and bit set pieces for all jobs! The screwdriver has a compact and stubby design for those hard to reach areas. A comfortable, comfort grip handle lets the user work long hours. Work done right!

Features:

39 Piece Screwdriver & Bit Set
Travel Case Design
Compact & Stubby Design
Comfort Grip handle


Tools Deals

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

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

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

free super saver shipping or Amazon prime

http://www.amazon.com/gp/product/B00EZJL010/


-High-quality LED light source, high luminous efficacy, soft light output, Eye-Protection and no dazing
-Natural, soft and evenly light, perfect reading light and baby bed light. high / low adjustable brightness
-Unique back locking clamp design, suitable for different beds, shelves and office screens.
-Battery compartment is compatible with lithium battery and AAA batteries, great for emergency situations or outdoor activities.
-With a time-lapse switch, it can automatically turn off after 1 hour, and you don't need to worry about energy waste if you fall asleep.


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

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

JJCEO has a review video on it so you can see all the info about it from that video.
Office & School Supplies Deals

Amazon Coupons
REQUEST - India Visa
Added on : Tuesday September 16th 2014 10:00:20 AM
g: 0 Posted By: Fatbargain
Views: 1 Replies: 0 Taking my grandson to India the 1st week of November. We have our passports and all necessary paperwork to apply for the tourist visa however several friends have recommended that we go through a visa service such as passport express rather than completing myself.

Being frugal, I hate paying the extra $100.00 pp over the cost of the visa just to have someone else review the paperwork and send it on. OTOH ... if it is more complicated than I'm expecting, I have non-refundable plane tickets and don't want to take an unnecessary risk.

Any advice from people who have completed the paperwork themselves and those who used a service, would really be appreciated.

Thank you in advance.
Alliant CU - $150 cash bonus for New Checking Account Holders
Added on : Tuesday September 16th 2014 06:00:14 AM
g: 0 Posted By: pbabb2
Views: 17 Replies: 0 $150 cash bonus for opening Alliant checking accountRecieved this via email yesterday. Seems like a fairly easy $150 (a few requirements outlined below) and I've had good experiences with Alliant in the past (have a credit card with them).

https://www.alliantcreditunion.com/OnlineBanking/Login.aspx?Retu... directs you to online login. must be an alliant member which is free)

Here's how to get $150...

1. September 2 to October 31, 2014 Open an Alliant Checking account AND
2. By November 14, 2014

Make at least one purchase with your Alliant Visa Debit Card
Make at least one payment using Alliant Bill Pay
Meet the two easy requirements of High Rate Checking:

o Opt out of paper statements AND
o Make at least one monthly electronic deposit (direct deposit, payroll deposit, ATM deposit, or transfer from another financial institution)

With Alliant checking, you can earn 7x the bank national average on your account,2,4 and you get access to 80,000 surcharge-free ATMs,5 online banking, mobile banking apps6 and a Visa Debit Card - all for free, with no monthly service fees on your account.

$150 bonus offer is available for new checking accountholders only, including Free Teen Checking.1,2 One $150 bonus per member.2

Offer ends October 31, 2014.

Use promo code CHEK002.

To apply online, you must first log in to Alliant Online Banking. Then select "Open an account" on the right menu and follow prompts. For personal assistance call 800-328-1935 or visit an Alliant Branch.

FINE PRINT:
1 To qualify to receive the $150 bonus deposit, member must open an Alliant checking account between September 2, 2014, and October 31, 2014, and complete the following three actions by November 14, 2014: (1) meet the requirements of Alliant High Rate Checking; (2) make at least one signature- or PIN-based purchase with the Alliant Credit Union Visa Debit Card; and (3) make at least one online bill payment using the free bill pay service in Alliant Online Banking. This bonus deposit offer is not applicable to those who opened an Alliant checking account prior to September 2, 2014, or those who open Alliant checking after October 31, 2014. No minimum balance required to earn the bonus. Offer cannot be used in conjunction with any other checking offer. One $150 bonus deposit per member. Once we verify qualifications, we will deposit the $150 bonus deposit directly into the member's account. Deposit will be made by November 28, 2014, and appear on your November 2014 eStatement. Check the status of the bonus deposit on Alliant Online Banking. The $150 bonus deposit is considered as taxable income and will be paid as a special dividend and reported on IRS Form 1099-INT. This account must remain open for at least six months or the bonus amount will be subtracted from your checking or savings account upon closing. The August 2014 High Rate Checking dividend is 0.65% APY. APY is accurate as of the 06/19/2014 dividend declaration date. No minimum balance required to earn the dividend. Dividend may change after account is opened and is subject to change monthly. When applying for your checking account, use promo code CHEK002.

2 High Rate Checking dividends are paid on the last day of each month to checking accountholders who have opted out of receiving paper statements (receive eStatements only) and have a recurring monthly electronic deposit to their Alliant checking account each month (e.g., a direct deposit, payroll deposit, ATM deposit, mobile check deposit or transfer from another financial institution). Otherwise, Alliant checking accounts do not earn a dividend. Checking dividend may change after account is opened and is subject to change monthly. There is no minimum balance requirement to open an Alliant checking account or to earn the stated APY. Alliant checking is free; however, if incurred, fees such as a stop payment or NSF fee will apply. Please refer to the Alliant Fee Schedule for a list of these types of fees. Account is subject to approval. We may not open checking for you if you do not meet Alliant criteria.

3. Alliant eStatements are free. A fee will apply if you choose to receive your account statement in paper form. Refer to the Fee Schedule. To avoid the paper statement fee, log in to Alliant Online Banking to change your statement preference to eStatements.

4 Based on Alliants August 2014 High Rate Checking rate of 0.65% APY vs. the bank national average checking rate of 0.09% APY as of 08/01/2014 sourced from National Association of Federal Credit Unions in cooperation with SNL Financial and Datatrac Corp.

5 Surcharge-free ATMs include Alliant-owned ATMs and ATMs that are part of the Alliance One, Allpoint, Bank of the West, CO-OP Network, Credit Union 24 CU Here and Publix Presto networks. Transactions performed at other ATMs may be subject to the ATM owners surcharge fee. Not all ATMs accept deposits. Please see our online ATM Locator for a list of ATMs that accept deposits or are surcharge-free.

6 You must meet certain criteria for mobile check deposit. Limitations apply. Mobile check deposit requires a camera-enabled device. Data and text charges may apply. Check with your mobile provider.
Deposits Deals
g: 0 Posted By: naeacher
Views: 202 Replies: 0 MadBite Umbrella Rigsat $2.89 and free shipping & sample on order $20+
This is the lowest price that I have seen for umbrella rigs.
Those samples are 100 Yards copolymer line and tape measure.

Sports & Outdoors Deals
g: 0 Posted By: ctgolfer
Views: 187 Replies: 0 Product Information
Clean those hard surfaces thoroughly with the Evolution Robotics Mint cleaner. This automatic floor cleaner operates on the NorthStar navigation cube that gives a back and forth moving action for cleaning open areas. This Evolution Robotics floor cleaner provides a map of 1,000 square feet area that needs to be cleaned. The mop mode cleaning of this automatic floor cleaner enables you to clean about 250 square feet area by a wet cloth. The sweep mode of this Evolution Robotics floor cleaner keeps the cloth dry, and removes dust and pet hair easily. You can use the disposable clothes or reusable cleaning clothes with this Evolution Robotics Mint.

Product Identifiers
BrandEvolution Robotics
Model4200 Mint
UPC853872000209

Details and Capabilities
Dirt Capture MethodWet/Dry
Cleaning AreasBare Floors

Attachments
Attachment TypeBattery
Additional HoseWithout Hose

www.ebay.com/itm/Mint-Evolution-Robotics-Mint-Automatic-Hard-Flo...
Home & Garden Deals

eBay Coupons
Combining AmEx Giftcard Balances?
Added on : Monday September 15th 2014 01:00:11 AM
g: 0 Posted By: SinbadS
Views: 36 Replies: 0 I have several AmEx giftcards with small (odd) balances. It there any way I can combine or transfer those odd balances into one single giftcard?
Question Deals
Diamond VC500 One Touch Video Capture Device $20.99 at Amazon - $10 off
Added on : Sunday September 14th 2014 07:00:02 PM
g: 0 Posted By: JapanPokemon
Views: 0 Replies: 0 Normally $30.99 - there is a "clip coupon" button will take $10 off in the cart at checkout. $20.99 is the cheapest I've seen these for in a long time.
linkyat Amazon

Nice to finally copy those old family video tapes to digital.
Kelloggs / CVS: $2 x 3 minus $5-rebate = pay $1 for three boxes
Added on : Sunday September 14th 2014 11:00:12 AM
g: 0 Posted By: DeGlass
Views: 88 Replies: 0 Repost of this:
http://www.fullofdeals.com/forums/grocery-coupons/1337345/?newest=...

CVS has Raisin Bran $8 for 4 thru Sept 20.
If your store still has those specially marked KFR boxes, they do qualify for the $5 rebate on 3. Net = $1 for 3 boxes.

Just make sure your cereal box refers to the $5 deal explicitly, otherwise your code won't count towards the rebate check.
The stuff's loaded with so much sugar it probably won't go stale anyways.
Specially Marked Products Deals
g: 0 Posted By: tedhawkins
Views: 166 Replies: 0 Home Collections Collapsible Fabric Storage Bin in 2 Colors and 3 Sizes $5.99 FS GearXs via eBay

http://www.ebay.com/itm/Home-Collections-11x8x6-5-Collapsible-Fa...

Looking for that extra bit of storage? Need items out of the way, yet easily accessible? The Home Collections Collapsible Fabric Storage Bin comes in two different colors and three different sizes to meet all of those storage needs. Expand it and place any one of them on a shelf full of objects ready for crafts, or under the bed to be filled full of products that just need to be out of the way. When finished with the Home Collections Collapsible Fabric Storage Bin, dont be afraid of collapsing them, folding them up, ready for the next times use.

Features:

Perfect solution for storage and organizing
Collapsible for easy storage
Reinforced metal eyelet handle
11" x 8" x 6.5"
Comes in two (2) colors and three (3) sizes


What's Included:

One (1) Home Collections Collapsible Fabric Storage Bin


Home & Garden Deals

eBay Coupons
Belkin Thunderbolt Dock $149 @frys
Added on : Saturday September 13th 2014 06:00:06 AM
g: 0 Posted By: mannyv
Views: 199 Replies: 0 Just noticed this in their weekly ad: the belkin thunderbolt dock is on sale at fry's, $149 down from $199. Has GigE, FW800, 3 USB 3.0, audio in/out, and two TB ports.

It's an easy way to add USB3 to those old Macs that have Thunderbolt.

Note: no thunderbolt cable included.
Computers Deals
Armor All 64-oz. Ultra Shine Wash Wax - $3.82 + FS w/ SS @ Amazon
Added on : Friday September 12th 2014 08:00:07 PM
g: 0 Posted By: st4rdust
Views: 152 Replies: 0 Back again for those who may have missed it before. Amazon hasArmor All 64-oz. Ultra Shine Wash & Waxon sale for$3.82with free shipping when you checkout via Subscribe & Save.


4.3/5 stars based on 32 customer reviews.


Delivers incredible Armor All shine
Gently lifts away dirt that can cause scratches and swirls
Helps water beading on your paint
Delivers mirror-like shine as you wash
Reveals your paint's deep radiant color

Auto Parts Deals

Amazon Coupons
Shelter Insurance Junior Special Policy- revisited from 2012
Added on : Friday September 12th 2014 12:00:09 PM
g: 0 Posted By: srhullender
Views: 149 Replies: 1 http://www.fullofdeals.com/forums/finance/1245931/

I stumbled across this post/thread/forum after doing a search on childlifeinsurancepolicies and wanted to comment.
A lot of misconception in this thread. A LOT! To touch on a few that really were way off track are as follows:

This is from the 1st posting...

"Let's take this slowly ...
1. Child life insurance does not help make sure children will be insurable in the future.
yes, it actually does. by buying a policy which carries "Guraranteed Insurability", the child will be able to purchase life insurance, regardless of health, in the future.
2. Child life insurance does help make sure children will be able to purchase from a limited set of adult product options.
True.
3. Those are typically awful products at awful prices.
Permanent Life Insurance is most defianltey applicable ina lot ofsituations.
4. Even where they are not awful products today, they almost certainly will be awful compared to more contemporary products offered 20 years from now.
FALSE! Waitng for those "future products" to "possibly" be more viable is rediculous to say. Plus, its not like we can erase time (as of yet, for you future dwellers lol). Hoping/praying for better products in the future designedto help protect our net worth will be useless unless you start now.
5. If truly uninsurable, those grown children will not be insurable.
What? This made as much sense as this entire post...
6. They will only have the ability to exercise the option to purchase the agreed upon product.
Exactly what its designed to do. And this is a bad thing?I'm actually kind of shocked by this display of pure ignorance. Every one of the posts in this thread are single minded. Let me start with a story...I have this client, we will call him Brian. He is a 39yo married man with a 1 year old. When I met Brian he was 29 and extremely active with his job. He is a risk assessor for a huge dot.com company. Anyway, I had found out shortly after I met Brian that he had Type 1 diabetes. Now Brian had not done such a great job over the years of treating his diabetes from when he was diagnosed at 16.
Soon after we became friends Brians diabetes got worse. He eventually had to have a kidney/pancreas transplant.Why am I bringing up Brian? Because Brian is one of millions who have Type 1 diabetes. (We arent even talking about any other disease or illness that can cause someone to be uninsuranble.) And Brian is one of millions who is 100% uninsurable. And if he were to find an insurance company who would write a policy on him (which to this date I cannot find), the cost would be so exorbitant that not even the examples above would hold a candle to it.When you can buy a policy for your child that A) doesn't have a continuous premium payment, B) Offers some sort of death benefit and C) offers a Guaranteed Insurability Rider which allows your child to purchase additional amounts later in life, regardless of health.... You are WINNING!

And trust me.Regardless of what products are out in 20, 30, or 40 years down the road or what this insurance is worth that far in the future. If Brian or any one of the millions of people out there were able to buy ANY amount or level of life insurance....they would buy it in a heartbeat! Ragardless of cost or death benefit.

I would say to all of the people who posted in this thread. "Stop being so cheap and actually buy something worth a darn for your kids. How many Wii, Nintendos, Atari, etc have you wasted on your kid already? Trying to tell me $240 is that much of a waste to benefit over a game system or any other crap you splurge on your kids with?" zzzzzzz



Discussion Deals
g: 0 Posted By: acro2014573
Views: 83 Replies: 1 I was one of those "abusers" of the Amazon Payments system. Me along with my room mate would, using Amazon Payments, transfer $1 15 times or so for each high yield checking account we each had, satisfying the transaction count requirement. Now, we just realized we have to close all our checking accounts (since they all have fees if the transaction count is not met). The bigger problem is the question of where do I move my money.

I have Ally savings/checking accounts.. I am in the process of ACHing my money from everywhere into Ally checking right now. I only have around $40k + some tiny amounts spread into 4 checking accounts (they only offer the APY for upto $10k).

Any suggestions on where to save it now? My only 2 requirements are free ATM withdrawals where possible, and atleast a decent interest rate.

Any reviews of Mango and Union Plus Debit cards as places to just park money? They have only $5k limits, but that's cool, I don't plan on needing $10k in the near future and can let my money sit between Mango and Union Plus cards.

Does loading money into a Amazon Serve Prepaid card via a debit card count as a transaction?

Note:
As you might have noticed, this is my first post. I have lurked on FWF for a long time and learned a lot. The biggest thing I have learnt is perhaps to do things silently so as to not raise any flags (such as never call a bank representative if I have a problem with an Amazon Payments transaction ) . But given my biggest interest-earner is getting washed away, thought I would come here for help.

I don't use debit cards normally. I have the FIA 2% for most purchases, the BofA Gas-3.3%, Groceries-2.2% card that I primarily use, a CapOne 1.5% card and a Citi 2% on its way. So I am not interested in programs that reward debit card usage. I would like to stick with credit cards.

Thanks!

EDIT: I looked at SmartyPig. Seems to be the highest online savings account at 1% . Anyone with SmartyPig savings account? How reliable is the bank that SmartyPig stores its money in?
EDIT: I mean the Mango and Union Plus savings card rather.
Deposits Deals
Vote for Master of Master Threads Sticky
Added on : Friday September 12th 2014 06:00:20 AM
g: 3 Posted By: dshibb
Views: 64 Replies: 0 Maybe not the best timing with the acquisition going on, but I was thinking that there are a lot of FAQ threads, master threads, etc. that are just floating around and some potentially at risk of archive. Everything from HSA faq, to HELOC faq, to Test Drive Vehicles, etc.

I think it would be a good move to create a Master of Master Threads stickied at the top of FWF to include a list of links of all those in the quick summary and 1 or 2 of the less used currently stickied threads can be folded in as well.

If someone wants an example here is a master of master sticky at CreditBoards:Master of Master Master Threads

Voting is give green for Yes (want a master of master sticky) and red for No (don't want a master of master sticky).

If the Mods give a go ahead than I'll start building one, but IMO not worth building one without the green light from mods.


P.S. This might cut down a little on the quantity of new threads created to ask same questions over and over.
Discussion Deals
g: 0 Posted By: remick
Views: 120 Replies: 0 http://www.amazon.com/gp/product/B005MT8SBC/

4.5 out of 5 stars (10 customer reviews)

Written to encourage the caregiver, The Art of Caregiving will be a candle of joyful hope to the one whose life has taken on unique new challenges when a loved one faces cancer.
Cancer treatment is often a nighttime journey through a wilderness, during which patients and their caregivers are confronted with worry and fear; a journey where the slightest flicker of hope means more than words can express.
Michael S. Barry shows how, with God's help, you can be the light of hope for those who bear the burden of illness.

Books Deals

Amazon Coupons
g: 0 Posted By: afreind
Views: 212 Replies: 0 http://www.amazon.com/dp/B00LO7VMUK

WAS: $19.99

Description:
This Favorite Pet Fleece Throw is a wonderful pet throw made with soft polar fleece with special pet designs that you will love! It is the perfect size to use on the sofa, bed, car, crate or any place you want to keep clean. Take a throw along with you to use in the car or when you go visiting, your host will appreciate you bringing your throw for your pet to lay on. Also, this throw can be used in a crate or for those of you who are training your dog this is perfect for "their space/place". Why not train your pet to lay on their own throw and having their own throw to lay on will take the stress out of trips and overnight stays. Put this throw on sofa, your loving pet can join you without the hassle of cleaning pet hair. The Favorite Pet Fleece Throw is machine washable and durable for your pets ultimate comfort.

Features:
Can be used on a couch, in a kennel or in a vehicle
Make travel or naptime comfortable for your pet
Made from an ultra-soft fleece material, keeps your pet warm in cold weather, and cool in warm weather
Helps keep pet hair off furniture and upholstery
Machine Wash Cold; Size: 63" L x 59" W;
Home & Garden Deals

Amazon Coupons
g: 4 Posted By: MISTERCHEAP
Views: 503 Replies: 1 Looks like some great deals next week using this week's coupon. For those that don't know. Staples has a 2 day grace period with their coupons. That means, they will work for 2 days after the expiration date as long as the cashier will scan it. I'd suggest printing off this week's coupon and trimming it to exclude the expiration date. I have attached the coupon to the post.

PRINT Q at this link NOW (not on sunday!!) www.staples.com/coupons

Dell Inspiron I3541-2000BLK [Staples.com] - Regularly $499. In next week's ad for $299. Should come out to $149 after coupon.
AMD A4-6210 APU Quad-Core with Radeon R3 Graphics
4GB Single Channel DDR3L 1600MHz (4GBx1)
Premium performance thats easy to use and easy to carry.
Rip, burn and play your media files with an available built-in optical drive.
1 USB 3.0 port and 2 USB 2.0 ports: For fast digital video, audio and data transfer.
15.6 inch LED Backlit Touch Display with HD resolution (1366 x 768)
The built-in media card reader makes it easy to transfer videos and photos from your camera while USB 3.0 lets you transfer files to external storage.
Integrated Video
Wireless-N
Windows 8.1
1 Year warranty

HP 15-r063nr [Staples.com] - Regularly $499. In next week's ad for $370.90. Should be $220.90 after coupon.
Intel Pentium N3530 Processor
4GB DDR3L SDRAM, 500GB 5400RPM hard drive with HP ProtectSmart Hard Drive Protection
Free 25GB lifetime cloud storage from Box
15.6-inch diagonal HD BrightView WLED-backlit touchscreen display (1366x768)
SuperMulti DVD burner
Intel HD graphics
Front facing HP TrueVision HD Webcam with integrated dual array digital microphone
Multi-format digital media card reader for Secure Digital cards
1 x USB 3.0 port and 2 x USB 2.0 ports
1x1 802.11b/g/n WLAN
Windows 8.1

Dell Inspiron I3542-6000BK [Staples.com] - Regularly $499. In ad for $399. Should be $249 after coupon.
4th Generation Intel Core i3-4030U processor (3M Cache, 1.9 GHz)
4GB Memory (DDR3, 1600MHz, 1 DIMM)
Premium performance thats easy to use and easy to carry.
Get your hands on a versatile 15" laptop packed with entertainment features that deliver an outstanding multimedia experience at an affordable price.
Rip, burn and play your media files with an available built-in optical drive.
Integrated Intel HD Graphics
15.6" HD (1366x768) Widescreen Display with Webcam
The built-in media card reader makes it easy to transfer videos and photos from your camera while USB 3.0 lets you transfer files to external storage.
1 USB 3.0 port and 2 USB 2.0 ports: For fast digital video, audio and data transfer.
Wireless-N
Windows 7 Home Premium (64-bit)


burgertm/sd
Laptops Deals

Staples Coupons
g: 0 Posted By: MISTERCHEAP
Views: 1 Replies: 0 Looks like some great deals next week using this week's coupon. For those that don't know. Staples has a 2 day grace period with their coupons. That means, they will work for 2 days after the expiration date as long as the cashier will scan it. I'd suggest printing off this week's coupon and trimming it to exclude the expiration date. I have attached the coupon to the post.

PRINT Q at this link NOW (not on sunday!!) www.staples.com/coupons

Dell Inspiron I3541-2000BLK [Staples.com] - Regularly $499. In next week's ad for $299. Should come out to $149 after coupon.
AMD A4-6210 APU Quad-Core with Radeon R3 Graphics
4GB Single Channel DDR3L 1600MHz (4GBx1)
Premium performance thats easy to use and easy to carry.
Rip, burn and play your media files with an available built-in optical drive.
1 USB 3.0 port and 2 USB 2.0 ports: For fast digital video, audio and data transfer.
15.6 inch LED Backlit Touch Display with HD resolution (1366 x 768)
The built-in media card reader makes it easy to transfer videos and photos from your camera while USB 3.0 lets you transfer files to external storage.
Integrated Video
Wireless-N
Windows 8.1
1 Year warranty

HP 15-r063nr [Staples.com] - Regularly $499. In next week's ad for $370.90. Should be $220.90 after coupon.
Intel Pentium N3530 Processor
4GB DDR3L SDRAM, 500GB 5400RPM hard drive with HP ProtectSmart Hard Drive Protection
Free 25GB lifetime cloud storage from Box
15.6-inch diagonal HD BrightView WLED-backlit touchscreen display (1366x768)
SuperMulti DVD burner
Intel HD graphics
Front facing HP TrueVision HD Webcam with integrated dual array digital microphone
Multi-format digital media card reader for Secure Digital cards
1 x USB 3.0 port and 2 x USB 2.0 ports
1x1 802.11b/g/n WLAN
Windows 8.1

Dell Inspiron I3542-6000BK [Staples.com] - Regularly $499. In ad for $399. Should be $249 after coupon.
4th Generation Intel Core i3-4030U processor (3M Cache, 1.9 GHz)
4GB Memory (DDR3, 1600MHz, 1 DIMM)
Premium performance thats easy to use and easy to carry.
Get your hands on a versatile 15" laptop packed with entertainment features that deliver an outstanding multimedia experience at an affordable price.
Rip, burn and play your media files with an available built-in optical drive.
Integrated Intel HD Graphics
15.6" HD (1366x768) Widescreen Display with Webcam
The built-in media card reader makes it easy to transfer videos and photos from your camera while USB 3.0 lets you transfer files to external storage.
1 USB 3.0 port and 2 USB 2.0 ports: For fast digital video, audio and data transfer.
Wireless-N
Windows 7 Home Premium (64-bit)


burgertm/sd
g: 0 Posted By: BADADVICE
Views: 151 Replies: 4 http://www.washingtonpost.com/blogs/wonkblog/wp/2014/09/11/where...

Interestingly, the Naval Academy grads have both a higher starting and higher mid career salary than those who graduate from either MIT or any of the Ivy League schools.


Discussion Deals
eBay Guarantees a $100 Coupon if Your Eligible Mobile Phone Does Not Sell
Added on : Thursday September 11th 2014 11:00:06 AM
g: 0 Posted By: fivetalents
Views: 291 Replies: 4 Your phone will sell on eBay or a $100 coupon is yours. You don't have to beg. eBay is so sure your phone will sell that for a limited time you get a $100 coupon if it doesn't. Select phonesonly.


===========
Terms & Conditions

What is the Promotion?
A list of eligible cell phone familiesis listed at the end of these terms. eBay reserves the right to remove any cell phone model or family from the Promotion at any time in its sole discretion.

Sellers can create a Qualifying Listing in either (a) an auction-style format or (b) an auction-style plus Buy it Now format; In either format, the seller must accept the starting price guidance provided by eBay as the starting price for that listing. The starting price of each Qualifying Listing must not exceed the price guidance throughout the duration of the listing. Seller must not specify a reserve price on their listing. Fixed price format listings are not allowed. No guarantee is made that any item will sell at a particular price, or at all. If the seller creates a Qualifying Listing but his/her cell phone does not sell at all, then that seller will receive a $100 coupon towards his/her next eBay purchase. Coupons will be fulfilled approximately seven (7) to ten (10) business days after the end of the unsold Qualifying Listing, and must be redeemed by the seller within fourteen (14) days of receipt.

Only 5, 7, and 10 day listing durations in an auction-style or auction-style plus Buy It Now format are included in this Promotion (but may be subject to the listing upgrade fee). 1 and 3 day listing durations, as well as any fixed price format listing durations, are excluded from this Promotion. The Promotion does not apply to insertion fees, final value fees or optional upgrade fees. Final value fees will be applied to the total amount of the sale, including the cost of the item, shipping, and any other fees a seller may chargeexcluding any sales tax. Fees for optional listing upgrades (such as Gallery Plus etc.) apply. The item must sell within the initial listing time period. Re-Lists and Private Listings are not eligible for this promotion.

Sellers must follow all on screen directions to create their qualifying cell phone listing (Qualifying Listing) on the US site at www.ebay.comby either clicking the sell link in the Promotion materials, using the eBay mobile web or mobile application, using the Quick Listing Toolsell feature, or using the Advanced Toolsell feature. Note that use of the Sell It For You/ eBay Valet features will not result in a Qualifying Listing. Please also note that the Promotion may not be shown during the listing process.

To be included in the Promotion, a Qualifying Listing must be a bona fide listing that includes: (a) a correct title that accurately reflects the cell phone being sold; (b) an accurate photograph of the cell phone being sold; (c) an accurate description of the condition of the phone; (d) shipping costs that are the lesser of $15 or the average, usual, and/or customary range for similar or identical cell phones. Cell phones that are stolen, activation locked, or otherwise unusable may not be included in the Promotion. Without limiting the foregoing, all elements of the Qualifying Listing must be truthful and accurate, and must not contain any words, messages, images, icons, or statements that have the effect of asking buyers to avoid buying the listed item (i.e., setting a Buy It Now price higher than 2x the eBay Buy It Now pricing guidance) or informing the buyer that the actual item is not as described in the title and photograph. Listings that contain any of the foregoing will be disqualified from the Promotion.

All existing selling limits on your account (as well as category and item limits) still apply, and may prevent you from participating in the Promotion. The Promotion can be applied in addition to the monthly insertion fee promotion,and/or any other insertion fee promotion; however, the Promotion cannot be combined with any other promotions or offers.

Whos eligible?

This Promotion is available to sellers who (i) are registered and in good standing on www.ebay.comand (ii) meet eBays minimum seller performance standards.Please sign in to My eBay and view your Seller Dashboardto verify whether your account is currently meeting the standards. If you have received fewer than 5 detailed seller ratings from buyers, this information will not appear in My eBay; however, you will receive email notification if your account falls below the minimum performance standards.

When is it?

This Promotion will begin on September 1, 2014, at 00:00:01 PT (12:00AM plus one second), and will end on October 24, 2014, at 23:59:59 PT (11:59PM plus 59 seconds) for listings on www.ebay.com(the Promotion Period).

Restrictions & Exclusions.Summary

LIMIT ONE (1) QUALIFYING LISTING PER PERSON AND PER eBay USER ID DURING THE PROMOTION PERIOD. If it is discovered or suspected at eBays sole discretion that a seller has registered or attempted to participate in the Promotion more than once using multiple email addresses, multiple identities, multiple eBay User IDs/accounts, proxy servers or like methods, all of that sellers listings will be declared null and void, and that seller will be ineligible to participate in the Promotion. Also, if it is discovered that any seller attempts to receive additional listings in excess of the stated limitation of one (1) Qualifying Listing per person and per eBay User ID, that seller will, at eBays sole discretion, be disqualified from the Promotion.
All Qualifying Listings must comply with all applicable eBay policies, including eBays Duplicate Listing policythat allows for the removal of duplicate fixed price listings.
Items in For parts or not working/repair condition are not eligible for the Promotion.
Items with cracked screens or prior water damage are also not eligible for the Promotion.
Listings not created through the use of a catalog made available through eBay are ineligible.
The Promotion excludes listings with a start date prior to September 1, 2014 (including those listings revised during the Promotion Period). Additionally, the Promotion excludes listings that are created during the Promotion Period, but scheduled to start after the Promotion Period.
Any attempted form of participation in this Promotion other than as described herein is void.

Cell Phones Deals

eBay Coupons
g: 0 Posted By: Xenocrates
Views: 269 Replies: 0 Sony PlayStation 4 500GB Gaming Console- $359.99 FS @Rakuten(via Altatac)

For those who shop at Rakuten there is a promo code for 10% Rakuten SuperPoints. 3600 points = $36 good for a future purchase. However I would recommend going to the Best Deal for this for more information on a better deal.


PS4 Consoles Deals

Rakuten.com Shopping Coupons
Pets - ASPCA Orthopedic Round Cuddle Bed $12 Walmart Fs to store
Added on : Wednesday September 10th 2014 08:00:05 AM
g: 0 Posted By: tedhawkins
Views: 130 Replies: 0 Pets - ASPCA Orthopedic Round Cuddle Bed $12 WalMart Fs to store

http://www.walmart.com/ip/ASPCA-Orthopedic-Round-Cuddle-Bed-Cats...


This Orthopedic Round bed is ideal for any pet, especially those who need a little more support and comfort. The Orthopedic fill is made from 100 percent recycled materials and is also eco-friendly. You'll sleep well knowing your pet is relaxed in their cozy pet bed!

ASPCA Orthopedic Round Cuddle Bed:

Ideal for any pet
Perfect for pets that need a little extra support and comfort
Fill is made from 100 percent recycled materials
Eco-friendly filling




Pets Deals

Walmart Coupons
Classic Museum Canvas Art sale, Giclees, $33-$65, Tanga
Added on : Tuesday September 09th 2014 03:00:03 PM
g: 0 Posted By: cga
Views: 201 Replies: 0 Classic Museum Canvas Art sale from Tanga

If you don't care about owning original art that will appreciate, but just want some beautiful fine art to hang on your walls, this is a great sale. These are giclees and represent photographic copies of true masters (Van Gogh, Monet, Klimt, etc.); no junk. Ready to frame and should bring a lot of joy to those of us who love fine art, but can't afford the real thing. Prices range from $33 to $65, depending upon size. Plus about $5+ for shipping (not sure if that's per piece or per order).

Don't forget FatWallet Cash Back...presently "up to 10%" (whatever that means).

Decor Deals

Tanga Coupons
Free Kindle Book- The Hunter's Hound: Training Your Dog To The Rifle
Added on : Monday September 08th 2014 12:00:06 PM
g: 0 Posted By: remick
Views: 69 Replies: 0 http://www.amazon.com/gp/product/B00JLNQZDS

Let say, before you start to read, that there are far better dog trainers about than me. Yet I have met few shooting men or women that have taken the time to ensure that the hound at their side is trained to perform in their own personal best interest or trained the dog to mirror their own personality. When I broke the rules to put a chasing dog at my side and then teach it not to chase, many folk frowned. Ten years on, many of those same folk look on enviously at the complete symbiosis achieved by a man, an air rifle and a scruffy old lurcher. This book therefore, is not intended as a manual on training an obedience champion. It is a common-sense approach to producing a dog which behaves around a rifle ... any rifle ... and a rifleman or woman who behaves around a disciplined dog. Yes, in many ways, this book is about training the hunter ... not just the hound.
Totally Free Deals
g: 0 Posted By: tedhawkins
Views: 158 Replies: 0 Salomon Sense Hydro S-Lab Handheld Hydration Set $24.95 (reg $40+) Usoutdoor Fs on $40+

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

Stay hydrated while out on those long hot runs with the Salomon Sense Hydro S-Lab Handheld Hydration Set. The people at Salomon know holding a water bottle while running is pain; with the Sense Hydro S-Lab Handheld Hydration Set you don't have to worry about dropping your water bottle in the middle of a run. The Handheld Hydration Set slips over your hand comfortably and holds an 8 oz. Salomon Soft Flask.
Features of the Salomon Sense Hydro S-Lab Handheld Hydration Set

Capacity: 8 fluid ounces
Material: (Flask) thermoplastic polyurethane / (holder) 88% polyester/12% nylon / terry cloth
Dimensions: 7.5 x 2.3 x 1.4 inches
BPA free: Yes


Sports & Outdoors Deals
Saving after maxing 401k and Roth IRA
Added on : Monday September 08th 2014 06:00:11 AM
g: 0 Posted By: Solomon960
Views: 84 Replies: 0 Fellow Fatwalleters, I am in need of investment advice.

Due to good fortune in 2014, my earned income will double this year vs. 2013. I am forever concerned about my retirement - especially since I won't retire for at least thirty more years (I am 32) - therefore, I contribute the highest percentage I can into my two 401ks and contribute the maximum annually into my Roth IRA. In addition to those accounts, I am curious what other options I should consider to (1) ensure a stable income when I can no longer physically work and (2) reduce my tax burden (both now and in the future).

I have a deferred annuity (non-qualified), which doesn't go up in value beyond 2% annually but can be added to at-will and a small paid up whole life policy. I have no debt or dependents. Currently, my excess funds are in a brokerage account invested in ORC and SFTBY, which are both performing better than the market.

My primary employment is with the Air National Guard while serving as a temporary civil technician. I am pursuing a permanent opportunity in Texas, whose cost-of-living will further aid my quest to reduce living expenses so I may contribute more to my retirement (plus I enjoyed my time in TX during my military technical training).

Thank you, in advance, for your guidance.
Investing Deals
Should I close the credit card I just received?
Added on : Monday September 08th 2014 05:00:06 AM
g: 0 Posted By: mzinz
Views: 144 Replies: 5 I searched for this but didn't find many answers. Let me know if this question belongs somewhere else!

I recently applied for the Barclays World Mastercard because I was under the impression that it would cover my rental car insurance in Ireland (it did not - misread fine print). Since I didn't even bother activating it, I'm wondering if I should just cancel it, or if that would do more damage than good.

I currently have the following cards:
Chase Freedom
Chase Amazon
Bank of America Cash Rewards
Bank of America Travel Rewards (1.5% back on all, my default if one of the others doesn't have better %)

I use the Chase Amazon for restaurants (2%), BofA Cash rewards for groceries/gas (2%, 3%), Freedom for whatever the 5% is, and BofA Travel rewards for all else.

There is a small amount to be saved if I add the Barclaycard to my routine since it offers up 5% back on groceries/gas, but neither of those are massive expenditures for me (estimating I spend $400/yr in gas, $2000/yr in groceries). Since the amount to be saved is so small, I'm thinking that having the additional card isn't worth the overhead (another card to manage/pay for/deal with).

What I'm wondering:
How bad will closing this newly opened credit line hurt my credit score, and for how long? I have good credit right now (around 790) and am considering buying a house within the next 2 years.

Thanks!



Personal Finance Deals
Cash Discounts for Fun and Profit
Added on : Sunday September 07th 2014 05:00:05 AM
g: 0 Posted By: GermanBoy
Views: 74 Replies: 0 Many merchants offer cash discounts. Sometimes those cash discounts can be greater than available category bonuses.

What types of places are more likely to offer cash discounts that are greater than credit card category bonuses? How much is the discount? Do you have specific examples?

Most gas stations I've seen offer a cash discount, but I've never seen one greater than 5%, so I always pass on this.
My dentist offered a 3% discount for paying with a check and a 5% discount for paying in cash. I don't have a card that offers 5% on dental work, so I took it.
I've never asked at a WalMart, Target, or other large merchant, but maybe they do have something in the register that they can give if asked?
Question Deals
g: 0 Posted By: ctgolfer
Views: 205 Replies: 0 FREE SHIPPING, Plus Up To 5% Back For Rewards Members

3-in-1: print, copy, scan
Wireless LAN (IEEE 802.11b/g/n) and Hi-Speed USB connectivity
Automatic Duplexing (two-sided printing)
Prints up to 9.9 ppm black, 5.7 ppm color ISO (mfr specs)
Print a beautiful, borderless 4" x 6" photo in approximately 44 seconds
4800 x 1200 maximum color dpi produces incredible quality and detail in both your photos and documents
My Image Garden software makes organizing and printing your photos fun and easy with great facial recognition, Fun Filters, Calendar Organization, Automatic Layout Suggestions and so much more!
Be considerate with Quiet Mode; this feature lets you print anytime without worrying about disturbing those around you
Print wirelessly with AirPrint and Google Cloud Print

www.staples.com/Canon-PIXMA-MG3520-Wireless-All-in-One-Printer-B...

also available in white
www.staples.com/Canon-PIXMA-MG3520-Wireless-All-in-One-Printer-W...
All in one printers Deals

Staples Coupons
Rental lease terms advice_Massachusetts
Added on : Friday September 05th 2014 10:00:09 AM
g: 0 Posted By: spinkan
Views: 97 Replies: 4 I have a few questions regarding my lease agreement and what my options are in that regard. Here's the story: I recently moved into a new apartment in Massachusetts (about a month ago). Per the conditions of the lease, all utilities are included (i.e., heat, hot water, gas for cooking, and electric) for $900/mo. However, I received a phone call from the realtor this afternoon stating that there was "human error" when the lease was written and, in fact, my building does not include electric in the rent. There are four total buildings in the complex and, according to the realtor, my building and the adjacent building have a meter and thus, require the tenants to pay electric separately. In the lease under "Heat and Other Utilities," it specifically states (with two asterisks), "**Heat, Hot Water, Gas for cooking, & Electric is included in rent." Aside from this column, it notes, "Tenant: This section governs utility payments. Be sure to discuss with the Lessor those payments which will be required of you for this payment." Attached to the lease in an "Addendum to Lease Agreement" which also states, "Utilities and Services. Tenant shall be responsible for phone, & cable. Landlord will provide the following: Heat, gas stove cooking, electric, hot water, sewer, and refuse." The lease as well as the addendum are signed by both myself and the lessor. When I inquired about how "human error" is something I should be penalized for, she responded by saying that I could move out of the apartment if I was unhappy with having to pay electric and that she could help in my search to relocate. Clearly, I am not looking to move (it's a hassle, not to mention costly, and I've finally settled in). But that's besides the fact. I signed the lease with the impression that all of my utilities would be included which is a large part of why the unit was so appealing to me, considering I am a graduate student and need to save where I can.

Nonetheless, what are you thoughts? Any advice about how I should go forward with this? What are my options?

I appreciate all the help I can get. Thank you!!
Personal Finance Deals
g: 0 Posted By: ctgolfer
Views: 163 Replies: 0 use promo code: USP1SP245450

The N700 wireless multimode mouse is a combined mouse and laser pointing device that's perfect for those who give presentations regularly.

http://shop.lenovo.com/us/en/itemdetails/888015450/460/url
Keyboard & Mouse Deals

Lenovo Coupons
g: 0 Posted By: remick
Views: 171 Replies: 0 http://www.amazon.com/gp/product/B003VTZC1E/

4.1 out of 5 stars (16 customer reviews)

Who are these guys? That was the question the teenage Daniel R. Hyde posed to his father when he first encountered Reformed believers. With their unique beliefs and practices, these Christians didn t fit any of the categories in his mind.
Not so many years later, Hyde is now Rev. Daniel R. Hyde, a pastor of a Reformed church. Recognizing that many are on the outside looking in, just as he once was, he wrote Welcome to a Reformed Church: A Guide for Pilgrims to explain what Reformed churches believe and why they structure their life and worship as they do.
In layman s terms, Rev. Hyde sketches the historical roots of the Reformed churches, their scriptural and confessional basis, their key beliefs, and the ways in which those beliefs are put into practice. The result is a roadmap for those encountering the Reformed world for the first time and a primer for those who want to know more about their Reformed heritage.



​also free

Soul Coffee for Moms: Quiet Time Meditations from God's Word
http://www.amazon.com/gp/product/B00N1UQKKU/


Judges, The Wild West Of The Bible
http://www.amazon.com/gp/product/B00M9ORXQY


The Meaning of the Cross
http://www.amazon.com/gp/product/B00BNFIDYQ/


When I'm With Jesus: For Any Child with a Loved One in Heaven
http://www.amazon.com/gp/product/B00H7RG6VQ/


The Autobiography of St. Ignatius
http://www.amazon.com/dp/B00N45I0Z0


God Loves You Exactly As You Are!: Understanding & Experiencing Unconditional Divine Love
http://www.amazon.com/gp/product/B00HD16P0I/
Books Deals

Amazon Coupons
g: 0 Posted By: remick
Views: 27 Replies: 0 http://www.amazon.com/dp/B00CE2D8K6

4.7 out of 5 stars (77 customer reviews)

Witchcraft and magic are very real. These practices have existed as precise sciences for thousands of years. More importantly, every single person can learn to do witchcraft and magic. We are all born with the talents and abilities that empower us to do the rituals and spells in this book.

In the distant past, studies in witchcraft and magic were just as important as math, science, or the arts. This book is the first in a three-part series dedicated to spreading the knowledge of practical witchcraft and magic around the planet. Because the books in this series can be studied individually or in sequence, the introductory material on practitioner safety and effectiveness is repeated in each book.

In this book you will learn, step by step, to perform beginner rituals and spells with your bare hands:

Contact Rituals for Sky and Earth
Hiring Parking and Other Unemployed Angels
Talking to the Spirit of Owl to Find Hidden Information
Bathtub Litany for Relief from Negativity and Pain
Walking in the Rain by Running Water for Fresh Insight
Using the Water Bowl for Scrying and Psychic Messages
Walking Meditation for Those Who Cant Sit Still
Walking Litany for Invisibility and Other Magical Effects
Rooting Yourself in Mother Earth
Beginner Weather Working with Clouds
Protection and Disconnection Litany

With these rituals and spells, you will be able to understand the actual workings of the Universe through direct experience, and communicate with beings on all levels, such as angels, totems, and Sky and Earth beings. Begin your journey into witchcraft today!
Totally Free Deals
g: 0 Posted By: Xenocrates
Views: 167 Replies: 0 32" VIZIO E320I-B1 720p Smart LED HDTV(E320I-B1)+ $125 Dell eGift Card - $257.99 FS @ Dell

32" 720p LED Backlit LCD Display

60Hz
200K:1 Dynamic Contrast Ratio
2 HDMI and 1 USB Inputs
28.5"x 6.9"x 18.7"(w/ stand)

3.9 / 5 Stars with 769 Customer reviews

For those who would not have a use for the eGift card from Dell, Amazon has this TV for 249.99with free shipping.
LED TV Deals

Dell Consumer Coupons
g: 2 Posted By: Playerhaters
Views: 306 Replies: 3 http://www.ebay.com/itm/Rubbermaid-Reveal-Power-Scrubber-and-Pow...

Amazon has the same one for $16.99

The Rubbermaid Reveal Power Scrubber cleans up to 2X faster than manual scrubbing! This hard-working tool delivers 60 scrubs per second to clean all those hard to reach places. Toss the oldtoothbrush and try the NEW Reveal Power Scrubber today! The Grout Brush is great for grout and corners. The cone shape helps to reach in tight spaces, and the stiff bristles scrub away tough stains.
Tools Deals

eBay Coupons
g: 0 Posted By: julesingeorgia
Views: 179 Replies: 0 Haven't seen toilet paper listed in a while. This is a much better deal if you have enough in your subscribe & save delivery to get 20% off. I did and it came out to $19.15. I know you can get it cheaper by shopping around and using coupons but this is for those of us who like our toilet paper delivered to our door!
Quilted Northern Ultra Plush Bath Tissue, 48 Double Rolls
or if you would rather have Quilted Northern Ultra Soft and Strong Bath Tissue, 48 Double Rolls
Home & Garden Deals
g: 2 Posted By: bittul
Views: 244 Replies: 2

http://www.drugstore.com/pert-plus-2-in-1-shampoo-and-conditioner-deep-clean/qxp491462?catid=183502

When those go oos... (pretty soon imho) The next best will be 2x 25.4oz for $4:

http://www.drugstore.com/pert-plus-2-in-1-shampoo-and-conditioner-deep-clean/qxp491464?catid=183502
http://www.drugstore.com/pert-plus-2-in-1-shampoo-and-conditioner-dry-scalp-care/qxp491463?catid=183502

Hair & Skincare Deals

drugstore.com Coupons
Amazon - Several History Books - Free KINDLE
Added on : Thursday September 04th 2014 01:00:04 AM
g: 0 Posted By: CindyLouWho2
Views: 58 Replies: 0 ~~Amazon - Several Books on History - Free KINDLE
Here are several eBooks from Amazon that are currently free KINDLE:The Forgotten Women Heroes: Second World War Untold Stories - The Women Heroes in the Extraordinary World War Two [KindleThis is a short and Untold Stories of the Women Heroes in the Extraordinary World War Two ***These women have been footnotes in history and at least one of them was a model for women in James Bond books and movies. The women however have remained in the shadows of the stories of the Second World War. These women fade into history even though their actions were crucial in changing the outcome of the war.This book is an effort to remember these forgotten women and remove the shrouds from the memory of these amazing and courageous women.http://www.amazon.com/Forgotten-Women-Heroes-Stories-Extraordina...
*********************War Stories: The American Civil War, Remembered by Those Who Were There [Kindle Edition]
See the Civil War through the eyes of the people who lived through it: spies, soldiers, generals, escaping slaves, nurses, and more.When one thinks of the American Civil War, it is easy to conjure up images of great generals developing brilliant strategies and influential politicians making historic decisions; but there was a great deal more going onIn this book, you will find Civil War stories most people have never heard before, told by people who actually lived during those momentous times. From intrepid young men who went aloft in balloons and viewed the enemys position, to the joys and miseries of the private soldier, to the daring activities of secret spies...Laugh as Sir Henry Morton Stanley recounts his adventure, as a young private, raiding the farm of a Unionist to forage for he and his messmates Christmas dinner. Or, be amazed as Sarah Edmonds tells how she disguised herself and made her way deep within Confederate lines. These accounts and many more make up this unique collection of amazing Civil War stories...From camp pranks to close, bloody conflict; and from the jubilation of victory to the misery of defeat, you can find it all in War Stories: The American Civil War, Remembered by Those Who Were There.
http://www.amazon.com/War-Stories-American-Civil-Remembered-eboo...
The Memoirs of Colonel John S. Mosby [Kindle Edition]
John S. Mosby (AuthorJohn Singleton Mosby served as commander of the 1st Virginia Cavalry, known as Mosby's Rangers. His memoirs describe his experiences and recollections of Robert E. Lee and JEB Stuart, among others. A table of contents is included.http://www.amazon.com/Memoirs-Colonel-John-S-Mosby-ebook/dp/B00A...
"Boots and Saddles" or Life in Dakota with General Custer [Kindle Edition]
Boots and Saddles or Life in Dakota with General Custer, written by George Armstrong Custer's wife Elizabeth, is an incredible look into the life of the Custers and their life on the Great Plains.A table of contents is included.
http://www.amazon.com/Boots-Saddles-Dakota-General-Custer-ebook/...
******************************************Memoirs of the Confederate War for Independence [Kindle Edition]
Heros von Borcke (1835-1895), was a German cavalry officer who served for the Confederacy. His memoirs are sympathetic to the Confederate cause, and discuss some of the most notable events in the Civil War.http://www.amazon.com/Memoirs-Confederate-Independence-Heros-Bor...
The 15 Decisive Battles of the World from Marathon to Waterloo [Kindle Edition]Creasy's The 15 Decisive Battles of the World from Marathon to Waterloo is a fascinating history of history's greatest battles.A table of contents is included.http://www.amazon.com/Decisive-Battles-World-Marathon-Waterloo-e... of Greece Volume 2: Grecian History to the Reign of Pisistratus at Athens [KindleHistory of Greece Volume 2: Grecian History to the Reign of Pisistratus at Athens, is part two of George Grotes epic history of Greece.
http://www.amazon.com/History-Greece-Grecian-Pisistratus-Athens-... of Greece, Volume 1: Legendary Greece [Kindle Edition]
George Grote
History of Greece, Volume I: Legendary Greece, from the Gods and Heroes to the Foundation of the Olympic Games (776 B.C.) is part one of George Grotes epic history of Greece.http://www.amazon.com/History-Greece-1-Legendary-ebook/dp/B009QA...
History of Greece Volume 3: From the Age of the Despots to the Western Colonies [Kindle Edition]
George Grote (Author)
History of Greece Volume 3: From the Age of the Despots to the Western Colonies is the third part of George Grotes epic history of Greece.
http://www.amazon.com/History-Greece-Despots-Western-Colonies-eb...
History of Greece Volume 4: Greeks and Persians [Kindle Edition]
George Grote (Author)
is part four of George Grote's epic history of Greece.
http://www.amazon.com/History-Greece-4-Greeks-Persians-ebook/dp/... Heroes and Great Chieftains [Kindle Edition]
Charles A. Eastman (Author)Indian Heroes and Great Chieftains is a fantastic collection of brief biographies of famous Native Americans such as Red Cloud, Sitting Bull, Crazy Horse, and more.A table of contents is included.
http://www.amazon.com/Indian-Heroes-Chieftains-Charles-Eastman-e... Life and Times of Akhnaton [Kindle Edition]
Arthur Weigall (Author)
Arthur Weigall's The Life and Times of Akhnaton is a fascinating biography of one of Egypt's most controversial pharaohs.http://www.amazon.com/Life-Times-Akhnaton-Arthur-Weigall-ebook/d... Hessians and the Other German Auxiliaries of Great Britain in the Revolutionary War [Kindle Edition]
Edward J. Lowell (Author)
The Hessians were greatly feared mercenaries from Germany and they fought for the British in many of the battles of the American Revolutionary War. This version of Lowells The Hessians and Other German Auxiliaries of Great Britain in the Revolutionary War includes a table of contents.http://www.amazon.com/Hessians-German-Auxiliaries-Britain-Revolu...
Totally Free Deals
Any credit card with Amazon Prime?
Added on : Wednesday September 03rd 2014 06:00:06 AM
g: 0 Posted By: fleetwoodmac
Views: 26 Replies: 0 Are there any credit cards out there that gives Amazon prime for free or points towards Amazon or some combination of those?
Credit Deals
Nonmarriage and children
Added on : Wednesday September 03rd 2014 04:00:06 AM
g: 0 Posted By: nasheedb
Views: 43 Replies: 0 I read this article yesterday:http://www.usatoday.com/story/news/nation/2014/09/02/statutory-r... which started a thought process in my head. Granted the guy in the article was an idiot for 1. not reporting the rape and 2. ignoring the court request for paternity testing, child support hearing, etc. He basically told his side of the story to the press, but not to the judge.

Then I started reading some of the comments on reddit (http://www.reddit.com/r/news/comments/2f9ej9/statutory_rape_vict... including this one:
reddit said: Wound up in this sort of situation. Worked hard to provide for and spend as much time with the child as possible during the first three years of their life. The mother filed for support from the state. The first thing the state did was unleash child-support services on me to levy multiple years of back-support.
Walked into their offices with bank records and details I felt supported my active involvement in the childs life during that time. The state would not accept this, calling these contributions 'gifts' that would not be counted towards the amount owed.

and
reddit said: Same thing happened to my wife. She ended up moving out and paid for the med bills, mortgage, utilities etc for another year. Ex took her to court for Child support. She said the same thing. They said those are gifts. You still owe. The child support system is supremely *******up.

Many people on FWF, myself included are not married, nor do they want to be married. Many are happily living together without being married (I'll refer to this as nonmarriage) and some are raising children together. Unfortunately, reality is, that relationships sometimes do end up going sour. Couples break up and go their separate ways. In my state, Texas, courts can allow for retroactive child support. Here is what I found on one of the legal resource websites:
[L=http://www.lanwt.org/txaccess/backchildsupport.asp said: Another]http://www.lanwt.org/txaccess/backchildsupport.asp]Another[/L] scenario would occur if you are not married. In that case your child support obligation could begin at the time of the child's birth. You could also be ordered to help pay prenatal and postnatal expenses for the mother that were not covered by insurance.

Here is a sample scenario. Let's say a man and a woman are in a nonmarriage (living together but not married legally). They decide to have a child together and everything is fine for 10 years. When the child is 10 years old, the parents split up. What is there to prevent the woman from trying to claim child support going back to birth? What if she claims that the contributions made by the father during the first 10 years of the child's life were "gifts"? Granted, the average FWF reader probably has much better access to legal resources than the average redditor, so they're less likely to be screwed over, but the question remains how do you prevent yourself from getting screwed? If you were married, the courts would never allow for child support going back to birth, only to the time of separation.

I am very curious about real life situations FWF readers have encountered. My gf and I would like to have children in the next 2-5 years. How can I protect myself if we have children, but the relationship goes sour?
g: 0 Posted By: tedhawkins
Views: 119 Replies: 0 Amazon - Spend $75 and receive 20% off running shoes, hiking boots and more with code SEPT2075

http://www.amazon.com/l/9927351011/ref=amb_link_424405262_3?pf_r...



To receive the 20% promotional discount, purchase at least $75 of qualifying items sold and shipped by Amazon.com.

Add products described in the promotion to your Shopping Cart via the "Add to cart" button on the product information pages.
Enter promo SEPT2075 code on the checkout page.
The amount of the savings will be reflected on the final order checkout page and will be allocated proportionally to all participating items in the Shopping Cart.
If you remove the qualifying items from your Shopping Cart or your order, or violate any of the terms and conditions listed below, the promotion will be invalid, and the discount will be removed from the order.

Terms & Conditions

This is a limited time offer.
Amazon reserves the right to modify or cancel the promotion at any time.
Offer is non-transferable and may not be resold.
The promotion applies only to qualifying items displaying the offer message on their product information pages. Items that do not display the offer message do not qualify, regardless of the nature of the item.
Limit one promotional code per customer and account.
The promotion applies only to products sold and shipped by Amazon.
All qualifying items must be purchased in one order and shipped to a single address.
Offer discount will be allocated proportionally among all promotional items in your order.
If any of the products or content related to this offer are returned, your refund will equal the amount you paid for the product or content, subject to applicable refund.
Shipping charges may apply to discounted and free promotional items.
This promotion may not be combined with other offers, including promotional certificates.
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Is this medical plan HSA qualifying?
Added on : Tuesday September 02nd 2014 04:00:09 AM
g: 0 Posted By: trekwars2000
Views: 53 Replies: 0 So my wife is just started a new job and is signing up for benifits. Her company has 2 health plans, one they call an HRA and one they call an HSA. I think both are actually HDHP plans that would qualify for HSAs but I want to double check.

Here is the info on her (single) HRA plan:
$1350 deductible
15% coinsurance after up to $4500 OOP max
$250 put into a Health Reimbursement Account (HRA)

That looks like a HDHP qualifying plan with the deductible and OOP max, however, I am not sure what the HRA does for this. Any help would be great.

For those wondering the single HSA plan is: $1750 deductible, 20% coinsurance to $6250 OOP max with $250 going into an HSA.

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

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

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

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

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

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

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

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

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

Anything else I should be doing in preparation?

Any hot spots for jobs I should consider for a "working remotely for a few months to a year" situation? North Dakota fracking comes to mind but id rather be able to return home on weekends.
Personal Finance Deals
g: 1 Posted By: remick
Views: 75 Replies: 0 http://www.amazon.com/gp/product/B00L0N6O6U/

4.9 out of 5 stars (17 customer reviews)

WHAT IS THE SINGLE GREATEST THING THAT WILL KEEP YOUR RELATIONSHIP AFLOAT FOR YEARS?

This book answers that question.
The book revisits the notions of love and physical chemistry, giving you easy and powerful tips to revive or maintain the romantic spice in your couple. A must-read for everyone seeking to improve the energy flow in his or her relationship, from singles and active daters to newlyweds and those in long-established marriages. To compile this list, we researched the current literature, delving into subjects as varied as psychology, relationship counseling, romance at work, and family planning.
>>> The book contains a helpful Discussion Guide and a sample chapter of sequel March with Venus - 94 Creative Love Games to Heat Up Your Bedroom. Through burning questions, the book gives extensive advice on how to use the discussion guide, how to inform decisions related to the topics at hand, and how to best read it alone, in reading groups, with your partner, or as part of learning activities, among others.

>>> After reading this book, you will know how to:

Capture the energy flow within your couple, especially what truly matters in your relationship;
Set the right priorities for your couple from the get-go;
Apply the five key elements that constitute the foundation of a strong, long-lasting relationship; and
Understand why nonverbal communication can be an effective to ignite passion in your couple.
>>> Who will benefit from this book?

You and your lover.
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Amazon Coupons
g: 0 Posted By: ctgolfer
Views: 82 Replies: 0 Picture Quality Display Panel LED LCD TV Aspect Ratio 16:9 Panel Drive 240 blb Picture Mode Vivid/Standard/Home Theater/Cinema/Custom Viewing Angle 176 degree Color Space Studio Master Drive Local Dimming Unique Graphic Engine Noise Reduction Y (Dot Noise Reduction) THX Certified Display 4K / 1080p Pure Direct isf Mode 3D 3D Type 2D-3D Conversion Sound Quality Speakers Full Range x 2 Speaker Output 20 W (10 + 10) Stage Surround Sound Surround Mode V-Audio Easy Operation my Home Screen Y my Stream my Stream***** Multi User Profile Voice Assistant Voice Print Recognition Voice Command Voice Guidance Y Touch Pad Remote (with my Button) Info Bar Built-In Camera **** eHelp Y Networking my Home Could Y Remote Sharing Y Swipe & Share Y Panasonic TV Remote 2 (App) Y Internet Apps Web Browser* Y 4K Online Player Unique Processing Engine Wireless LAN Built-In Y Display Mirroring Y DLNA Y Bluetooth** (APT-X Compatible) Media Player Media Player (Picture/Movie/Music) Y Support Format MKV/MP4/M4v/FLV/3GPP/VRO/VOB/TS/PS, MP3/AAC/FLAC/WAV, JPEG VIERA Link Y Eco Eco Navigation Y Energy Star Ver.6.1 Terminal HDMI HDMI (4K 60 Input) Support Feature Audio Return Channel (Input 2) DisplayPort (4K 60 Input) Component Video Input shared with Composite RCA phono type x 1 (rear) USB 2 (USB 2.0 x 2) SD Card Ethernet 1 (rear) Digital Audio Output (Optical) 1 (rear) GENERAL Included Accessory*** TV Remote Power Supply1 AC 110 - 127 V, 60 Hz Screen Size Diagonal (inches) 49.5 On mode Average Power Consumption 43.9 W Rated Power Consumption 109 W Standby Power Consumption 0.2 W Display Resolution 1,920 (W) x 1,080 (H) Dimensions (W x H x D) (w/o stand) 1,126 x 652 x 53 mm / 44.4 x 25.7 x 2.1 inch Dimensions (W x H x D) (with stand) 1,126 x 697 x 260 mm / 44.4 x 27.5 x 10.3 inch Weight (w/o stand) 15.0 kg (33.1 lbs) Weight (with stand) 16.0 kg (35.3 lbs) Operating Temperature 32F - 95F (0C - 35C) Safety Standard UL60065/FCC Parts15 VESA Compatible Y Carton Dimensions (W x H x D) 1,461 x 747 x 127 mm / 57.5 x 29.4 x 5.0 inch Gross Weight (with stand) 20 kg (44.1 lbs) Warranty 1 year Further Specifications NOTE * The Web Browser cannot display some web pages correctly. And viewable contents by VIERA Web Browser are subject to the following conditions; / - viewable contents may vary depend on models, / - viewable contents may differ from those for PC, / - viewable contents may be limited. / ** HID (Human Interface Device Profile) compliant keyboards are available. A2DP (Advanced Audio Distribution Profile) compliant audio devices are available. / *** Not all the accessories are listed here. / **** Skype Camera is optionally available. / ***** Viewable contents may vary depend on regions and services.
http://shop.panasonic.com/shop/model/TC-50AS530U
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75% off SELECT cordless shavers @ Kmart B&M, YMMV
Added on : Monday September 01st 2014 09:00:04 AM
g: 0 Posted By: disenchanted
Views: 192 Replies: 0 Found in B&M store located in zipcode 88001

YMMV.

There were some cordless shavers on clearance for 50% off, but shelves for those were empty.
So I grabbed one of each model (about 6 shavers), threw them in my cart and was heading toward a price scanner.

One aisle away from the price scanner I spotted a few different models of cordless shavers, up on very top of the shampoo aisle, so I grabbed one of each of those (about 4 shavers). Apparently this particular "top shelf" area was the "Inventory Overflow" section for the Toiletries dept.

At the price scanner, none of the shavers from the shaver aisle were the clearance shavers I was after.
The 75% off jackpot was from those cordless shavers that were on the top shelf of the shampoo aisle.
One was a norelco triple header for $18 (regular $74), then there was a Panasonic for $25 (regular $99.99) and finally a Wahl cordless beard trimmer/shaver for $18,

The norelco triple header model PT729 for just $18.00 (No price tag on it at all, but online MSRP search shows MSRP as $74.00).1. Norelco PT729 (scanned @ $18)
Specifications:

Powertouch Cordless Razor
Floating Heads
Super Lift & Cut Technology
Corded / Cordless Operation
Washable
Full Charge Time 8 Hours

2. Panasonic NANOTECH model ES8103s (scanned @ $25)
Specifications:

Wet/Dry Shaver with Nanotech Blades,
Pivoting Head,
Fast 13,000 RPM
Linear Motor cuts clean,
Sharp 30-degree blade angle,
Turbo Cleaning Mode

3. Wahl cordless trimmer/shaver
Specifications:Sorry but I forgot to get the model and details on this one.
It was originally $69.99, tagged as $34.99 but scanned at $18.
It looked like the Wahl 9818, as it was an all chrome model but I'll have to check for sure next time I get to Kmart.
Beauty Deals

Kmart.com Coupons
eTrade vs optionsXpress
Added on : Sunday August 31st 2014 09:00:06 PM
g: 0 Posted By: salilsurendran
Views: 20 Replies: 0 Hello,
I had ETrade but opened an account with optionsXpress because they were cheaper when making mutual fund trades. However, I find that optionsXpress don't have as many mutual funds to trade as ETrade and also it is very difficult to search in their database as to if that mutual fund is available for trading. So many times I research and find some funds but those funds are not available in optionsXpress. Anyone find the same?
Question Deals
g: 1 Posted By: microdvd
Views: 124 Replies: 2 Living Social : Dallas Area : Retro Futura Tour @ Verizon Theatre :Sept 8 at 7:30pm :Thompson Twins' Tom Bailey, Howard Jones, Midge Ure & More (52% Off)https://www.livingsocial.com/events/1238602-two-tickets-to-retro-futura-tour

Two Tickets to Retro Futura Tour
Verizon Theatre at Grand Prairie Grand Prairie, TX
Monday, September 8, 2014 - 7:30PM

Doors Open: 6:30PM

AEG Live presents
Thompson Twins' Tom Bailey & Howard Jones
with Ultravox's Midge Ure, China Crisis, Katrina (ex-Katrina & The Waves)

what you get:Two Tickets

Choose from the following offers:
$45 for two 300-level side tickets
$50 for two 200-level side tickets

Lineup: Thompson Twins' Tom Bailey, Howard Jones, Ultravox's Midge Ure, China Crisis, and Katrina (ex-Katrina & The Waves)
Hear All the Hits!
Everything old is new again at the Retro Futura Tour, a one-night-only concert hitting Verizon Theatre at Grand Prairie on
Monday, September 8. Thompson Twins' Tom Bailey will play all the Thompson Twins hits like
"King for a Day", "Doctor! Doctor!", "LIES", "You Take Me Up" and "Hold Me Now" live for the first time in 27 years
-- joining him are acts including Howard Jones, Ultravox's Midge Ure, China Crisis, and Katrina (ex-Katrina & The Waves).
As these acclaimed artists take the stage to perform their greatest hits, you'll be transported back in time to re-live all those old memories.

Find out more about the Retro Futura Tour
http://www.axs.com/events/252642/thompson-twins-tom-bailey-howar...Go back to the future this summer and experience all the moody synths, lush guitars and gravity-defying hairdos of the '80s best new wave artists.
The Retro Futura Tour brings together the top synth-pop bands and performers of the Reagan era --
including the Thompson Twins' Tom Bailey, Howard Jones, Ultravox singer Midge Ure, China Crisis and Katrina of Katrina and the Waves --
for one incredible concert. From Thompson Twins' "Hold Me Now" to Howard Jones' "Things Can Only Get Better,"
Ultravox's "Dancing With Tears in My Eyes" to China Crisis' "Wishful Thinking,"
this fun summertime concert is like a live Memorex mix-tape of your favorite hits of the '80s and beyond.

Retro Futura Tour 2014What it is: a gathering of some of the most popular British new-wave musicians from the 1980s
How you remember Tom Bailey: as the bassist and vocalist of the Thompson Twins, whose super-hits include "In the Name of Love," "Lies," "Doctor! Doctor!" "Lay your Hands On Me," "King For A Day," and "Hold Me Now"
How you remember Howard Jones: from his double-platinum album Human's Lib
Jones' Hollywood connection: his song "Like to Get to Know You Well" soundtracked John Cusack fixing his Camaro in the surreal '80s comedy Better Off Dead
How Ultravox's Midge Ure describes their hit "Vienna": "We wanted to take the song and make it incredibly pompous in the middle, leaving it very sparse before and after, but finishing with a typically over-the top classical ending. The whole thing was a bit tongue in cheek."
Evidence the public might not have picked up on the joke: the single rocketed to the number-two spot, and was later named by Radio 2 to be Britain's favorite song to ever halt at the runner-up spot
China Crisis's claim to fame: the hit single "Wishful Thinking"
How Katrina Leskanich of Katrina and The Waves improved the '80s and water-park lines everywhere: by lending her vocals to "Walking on Sunshine"

http://thompsontwinstombailey.com/
http://howardjones.com/

http://www.retrofuturatour.com/

REFUND POLICY: This event is nonrefundable. No full or partial refunds are given to customers who miss an event.
In the event of a cancellation, your voucher will be fully refunded
The deal is valid on event date only
Groups wishing to sit together must have one person purchase all tickets in one transaction
Purchaser must pick up ticket(s) at Will Call prior to show
Purchaser may change the name of the individual retrieving tickets up to 48 hours in advance of event via the LivingSocial website event details section;
no name-changes or alternate pick-ups permitted without notice at venue
Event is rain or shine
LivingSocial is pleased to offer you the opportunity to purchase this deal to be fulfilled by the entity indicated on the voucher
and/or by Anschutz Entertainment Group, Inc., its subsidiaries and affiliates ("AEG").
By purchasing this deal, you agree that your name, email, zip code and other information related to the deal you purchased will be used
by LivingSocial as well as provided by LivingSocial to AEG and/or the entity indicated on the voucher to assist in fulfilling the deal
you purchased and, subject to LivingSocial's privacy policy [ LivingSocial.com/privacy_policy] as well
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g: 0 Posted By: ctgolfer
Views: 222 Replies: 0 Comfortable, quiet typing
You'll enjoy a comfortable and quiet typing experience thanks to the low-profile keys that barely make a sound and standard layout with full-size F-keys and number pad.
Spill-resistant design
Liquid drains out of the keyboard, so you don't have to worry about ruining your investment with accidental spills.
High-definition optical tracking
You'll enjoy responsive and smooth cursor control with the high-definition optical tracking (1000 dpi).
Thin profile
The keyboard has a thin profile that adds a sleek look to your desk while keeping your hands in a more comfortable, neutral position.
Durable keys
The keys can last up to 10 million keystrokes so you can keep typing long after many keyboards have called it quits.
Plug-and-play USB connections
Setup is simple - you just plug your keyboard and mouse into USB ports on your desktop, laptop or netbook computer and start using them right out of the box.
Easy-to-read keys
The bold, bright white characters make the keys easier to read - perfect for those with less-than-perfect vision. They're less likely to wear off, too.
Sturdy, adjustable tilt legs
You can extend the sturdy folding legs to increase the keyboard tilt by 8 degrees to address your personal ergonomic needs.
Curved space bar
It keeps your hands in a more natural position so you can type in greater comfort.

www.sears.com/logitech-desktop-mk120-mouse-and-keyboard-920-0025...
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Sears Coupons
U.S. Hikes Fee To Renounce Citizenship By 422%
Added on : Sunday August 31st 2014 08:00:09 AM
g: 1 Posted By: GotRocks
Views: 15 Replies: 0 US Hikes fees to renounce citizenship by 422%

As an expat who is considering renouncing my citizenship sometime in the future, I find this fee increase quite outrageous. They say the increase is due to the number of people currently renouncing US citizenship. The increase in people renouncing their US citizenship in the past year or two mainly has to do with the onerous requirements of FATCA and a lot of those people who are renouncing have never ever lived in the US. The fee increase from $450 to $2350 seems like punishment to the people who do not have substantial income but were caught up in FATCA by virtue of birth or marriage (a US citizen married to a non-US citizen has to comply with the FATCA reporting requirements). I say that this is punishment because to a person like facebookco-founder Eduardo Saverinwith ska-billions of $ to his name, $2350 is a mere drop in the bucket. But to the average Joe who was born in Canada to American parents, this is a big chunk of change.

So once again, the US government makes me angry and just adds more fuel to the fire under my renunciation quest.
g: 0 Posted By: chrispitude
Views: 115 Replies: 0 Sears finally has Morton's 40lb salt pellets on sale again for $3.99 (regularly $5.99). Order 13 bags and use SEARS5OFF50 for $5 off your $50 order. Fatwallet has bonus 6% CB, or go through ShopDiscover for 10% CB.

Link

Have fun carrying those bags, fellow FWers!
Grocery Deals

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g: 1 Posted By: ctgolfer
Views: 212 Replies: 0 The Diehard Battery Charger with Wheels is a great choice for those looking for a manually operated battery charger with engine starter and timer control
Able to start 12V and 6V vehicles and farm equipment
250, 50, 15 and 2 amp for versatile usage
Timer Control Dial for automatic shut-off, UL listed
Features include powder-coated steel case, color-coded analog ammeter gauge and ergonomic carrying handle
Wheeled for greater portability and ease of use
Comes with 6 ft. Power cord and 6 ft. 8AWG output cable
Some assembly may be required


www.sears.com/diehard-gold-wheeled-battery-charger-with-timer-co...
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Sears Coupons
g: 0 Posted By: BigBoyMichigan
Views: 32 Replies: 0 CHECK OUT BigBoyMichigan's Other FatWallet Deals Click Here



CHASE BANK $150.00 BONUS - OFFER ENDS OCTOBER 15, 2014


Bonus/Account Information:Offer not available to existing Chase checking customers, those with fiduciary accounts, or those whose accounts have been closed within 90 days or closed with a negative balance. Offer valid through 10/15/2014. To receive the bonus:1)open a new Chase Total Checking account, which is subject to approval;2)deposit $100 or more within 10 business days of account opening; AND3)have your direct deposit made to this account within 60 days of account opening. Your direct deposit needs to be an electronic deposit of your paycheck, pension or government benefits (such as Social Security) from your employer or the government. After you have completed all the above requirements, we'll deposit the bonus in your new account within 10 business days. The bonus cannot be used as the opening deposit. You can only receive one new checking account-related bonus per calendar year. Bonus is considered interest and will be reported on IRS Form 1099-INT.

Personal Finance Deals
g: 0 Posted By: itsausername
Views: 3 Replies: 0 Visit the Six Flags homepageand select your park, then click the 'Flash Sale' banner on the right or browse to the 'passes & memberships/buy passes' menu item.


Depending on the park chosen, multiple 'special offer' entry passes must be bought (2+ or more) to receive the best discounts which bring those prices down as low as $49.99 per pass (repeat, check your park's flash sale page for their specific discounts/pricing).

- This offer provides 'Gold' level passes which include season parking and other perks exceeding those offered by regular season passes.
- Passes may be used for the remainder of the 2014 season. Note: I did not spot any specific claim of 2014 parking being included.
- The offer states that each pass must be processed at the park by 9/2 to receive the upgrade perks.


Dining passes are also discounted. From the sampling of parks I checked, all seemed to be selling them for $74.99.

- These include a drink refill for 2014 when processed by 9/1; no meals until next season.





Labor Day Sales Deals
Free Hitch N Fish Stickers
Added on : Friday August 29th 2014 12:00:11 AM
g: 0 Posted By: remick
Views: 101 Replies: 0 http://hitchnfish.com/2014/08/26/slap-a-stick-gallery/

Thank to all those who sent in Slap a Stick photos! If you are interested in free stickers sent to your front door. Fill out the form at the bottom. Continue reading to see the full gallery.
Totally Free Deals
Cricket Wireless (AT&T prepaid) 5 lines w/500mb $100
Added on : Thursday August 28th 2014 02:00:04 PM
g: 0 Posted By: ZombieHunter
Views: 245 Replies: 1 This is a great deal for those who don't use a lot of data.

5 lines with Unlimited talk and text and 500mb of High Speed data (Then unlimited data throttled)

https://www.cricketwireless.com/5for100

Alternatively, you can get 5 lines onthe 2.5gb plan for $150 with group save.

taxes and fees are INCLUDED.
Services Deals
Anova Sous Vide Immersion Circulator - $149
Added on : Thursday August 28th 2014 05:00:25 AM
g: 0 Posted By: nascarjunkie
Views: 144 Replies: 1 Use code FACEBOOK50

Link

For those that aren't familiar with sous-vide cooking, it's a process of cooking food in vacuum sealed plastic bags while immersed in a water bath for long periods of time. It's great for steaks so you cook them evenly and don't wind up with overly cooked edges and undercooked centers.
Home & Garden Deals
Free Kindle Book- The Mystery of Garabandal
Added on : Thursday August 28th 2014 02:00:47 AM
g: 0 Posted By: remick
Views: 89 Replies: 0 http://www.amazon.com/gp/product/B00GHMAQQ8

4.6 out of 5 stars (11 customer reviews)

Fifty years ago, four young girls in a small Spanish village began falling into rigid trances, marching backward up hills, and levitating, seemingly, inches above the ground. Eyes fixed on a mysterious point in the air, they were mesmerized by something which was invisible to everyone else.
What the girls said they saw--and heard--sent shock waves that are still reverberating today. The messages the four girls claimed to receive revealed a picture of a Catholic church in crisis and a world that faced an earth-shattering future that would unfold in their lifetime.
The girls pronouncements about coming trouble in the church and world were met with fierce skepticism from the first. Some charged the girls with being possessed by demons (based on the girls strange physical poses and apparent levitation), and others claimed the girls were putting on an act (revealing their true colors when they chose ordinary married lives instead of the convent). There was also a third body of critics: those who believed that a group of girls on the CUSP of adolescence in a remote and insular society conjured up a psychodrama which, fueled by the spotlight and mounting frenzy, gained a frightening life of its own.
There was one other possibility--that the strange events in Garabandal, Spain actually did occur, and the girls received an apocalyptic warning for both the church and the modern world.
The warning to the world included a prediction that a newly militant Russia would rise again. The prophecies of Garabandal also foretell a World-Wide Warning and a Global Miracle, whose purpose is to convince a world reeling from one catastrophe to the next that God exists. But the Warning and Miracle, dramatic as they sound, are not even the most unsettling of the messages. One night, the young girls dissolved into screams. During this so-called Night of the Screams, the girls say they were shown a tragic chastisement that would befall the entire world if the Warning and Miracle failed to trigger global change.
As disquieting as those messages were, the most shocking message at Garabandal was for the hierarchy of the Roman Catholic Church. Why were the messages of Garabandal so effectively suppressed? Did it have to do with the fact that the messages presciently warned of coming scandal and turmoil in the Roman Catholic Church itself?
Did a portal open between worlds on a Spanish mountaintop in that summer of 1961? And if so, who opened the door--an angel of God or an angel of darkness? Did a young girl's flight of fancy one summer night spin wildly out of control? Or was it a visitation from God?
Now that the girls at the center of this drama are 60-year-old women, should their claims be discredited or re-examined? Are the apparitions bogus or fast-approaching their fulfillment? If the events are false, Garabandal is a fascinating and perhaps tragic human interest story with several explanations. If the events and warnings are true--then what do we do?
By the end of this book, readers can judge whether the visions of four young seers on a mountaintop in Spain were historical fact, a devilish fraud, or the creative confusion of four girls who would spend the rest of their lives trying to escape a human tragicomedy that they themselves had produced.
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g: 2 Posted By: remick
Views: 291 Replies: 0 http://www.amazon.com/gp/product/B00K5RUFEY/

Learn the latest SQL Server 2014 database design methods for career advancement; among them in-memory OLTP tables, FileTable FILESTREAM storage and ColumnStore indexes. Relational database design teach-by-practical-diagrams-&-examples book for developers, programmers, systems analysts and project managers who are new to relational database and client/server technologies. Also for database developers, database designers and database administrators (DBA), who know some database design, and who wish to refresh & expand their RDBMS design technology horizons. Familiarity with at least one computer programming language, Windows file system & Excel is assumed. Since the book is career advancement oriented, it has a great number of 3NF database design examples with metadata explanations along with practical SQL queries (over 700 SELECT queries) and T-SQL scripts, plenty to learn indeed. Great emphasis is placed on explaining the FOREIGN KEY - PRIMARY KEY constraints among tables, the connections which make the collection of individual tables a database. The database diagrams and queries are based on historic and current SQL Server sample databases: pubs (PRIMARY KEYs 9, FOREIGN KEYs 10) , Northwind (PRIMARY KEYs 13, FOREIGN KEYs 13) and the latest AdventureWorks series. Among them: AdventureWorks, AdventureWorks2008, AdventureWorks2012 (PRIMARY KEYs 71, FOREIGN KEYs 90), & AdventureWorksDW2012 (PRIMARY KEYs 27, FOREIGN KEYs 44). The last one is a data warehouse database which is the basis for multi-dimensional OLAP cubes. The book teaches through vivid database diagrams and T-SQL queries how to think in terms of sets at a very high level, focusing on set-based operations instead of loops like in procedural programming languages. The best way to master relational database design & T-SQL programming is to type the query in your own SQL Server Management Studio Query Editor, test it, examine it, change it and study it. Wouldn't it be easier just to copy & paste it? It would, but the learning value would diminish rapidly. You need to feel relational database design and the SQL language in your DNA. SQL queries, "CREATE TABLEs" must "pour" out from your fingers into the keyboard. Why is knowing SQL queries by heart so important? After all everything can be found on the web so why not just copy & paste? Well not exactly. If you want to be an database designer expert, it has to be in your head not on the web. Second, when your supervisor is looking over your shoulder, "Chuck, can you create a new table for our electric pumps inventory?", you have to be able to type the CREATE TABLE query without documentation or SQL forum search and explain how it will work to your superior promptly. The book was designed to be readable in any environment, even on the beach laptop around or no laptop in sight at all. All queries are followed by results row count and /or full/partial results listing in tabular (grid) format. Screenshots are used when dealing with GUI tools such as SQL Server Management Studio (SSMS). Mastery of the relational database design book likely to be sufficient for career advancement as a database designer and database developer.



also free

What's HTML?
http://www.amazon.com/gp/product/B00H59AW5C/

This book is designed to be a quick way to learn HTML and HTML5. It should also be used as a reference for you to look back at for refreshers and information on tags that are commonly used. This is a great resource for students and professionals that need a quick reference or wish to learn the basics of HTML and HTML5 quickly. As a computer science professor, Ive taught hundreds of students HTML. The reason I wrote this book is help teach others HTML and HTML5. For more HTML and HTML5 information, free instructor resources, and online tutorials visit http://www.whatshtml.com.

Table of Contents
Preface
Chapter 1 Whats HTML?
Chapter 2 Getting the basics
Chapter 3 In your HEAD
Chapter 4 Text and Stuff
Chapter 5 Anchors Away
Chapter 6 Picture Perfect
Chapter 7 Lists and More Lists
Chapter 8 Its all about Style
Chapter 9 iFrames, Divs, and Tables
Chapter 10 Simple Forms
Chapter 11 HTML5
About the Author
Appendix A HTML Reference
Appendix B CSS Reference
Appendix C HTML Entities



Fractal Vision. Part 1.: Studies in Fractal Computation Theory
http://www.amazon.com/gp/product/B00MLU1BAU/

Fractal Computation Theory is, as far as I am aware, a brand new area of science and mathematics. This discipline relates to performing computations in a fractal manner.
This book is the first in a series of studies on my Fractal Computation Theory.
These studies show how the Byng Fractal Computer, Patent Pending is used in a variety of applications. The first book in this series is about vision and shows how vision is processed using the Byng Fractal Computer.



Unraveling HTML5, CSS3, and JavaScript
http://www.amazon.com/gp/product/B00IOSC4CM/

As an experienced C# programmer and enterprise architect, I found myself in a strange situation after 20 years of experience. Even if I worked on project teams that implemented big systems including satellite web sites, I was dropped behind those team members who started their professional life pretty close to new generationneat, asynchronous, dynamic, etc.web page development. It took months to find the right way to be able to communicate with them, and find the common language with them. During these months I read many books, blog posts, articles, and went through many small programming exercises to get into the picture.

Well, I decided to create a series of booklets using my experiencesto help you cope with similar situations.
I wrote this book for those developers who areor might bein a situation I was months ago. If you worked on the server side for a long time, or you used only desktop UI technologies, this is the book you should read to get acquainted with HTML, CSS, and JavaScriptin order to understand them quickly, and keep up the race with youngsters.

If youre already a web developer who is familiar with these technologies, this book may help you to pass this knowledge to your teams new members who are novices in web UI.

How This Book Is Structured

This book is divided into ten chapters that will help you understand the concepts and technologies behind web UI. These chapters are built on each other, so youd better read them sequentially from the first to the last one.

Chapter1: A Short Tour of HTML, CSS, and JavaScript
This chapter provides an overview of the fundamental technologiesthrough a number of short examples that explains to you the role and behavior of them.
Chapter 2: Getting to Know HTML5
In this chapter you will learn the basics of HTML5, and you will create a few simple HTML pages using the concepts learned here.
Chapter 3: Achieving Richer User Experience with HTML
HTML5 provides you rich structure and semantics that help you design and render web pages with images, tables, and multimedia. In this chapter you will
learn these elements and utilize them.
Chapter 4: Forms and Controls
This chapter will teach you creating and using HTML web forms.
Chapter 5: A Few More Things about HTML
To provide additional knowledge on HTML5, in this chapter you will learn about special HTML elements and techniques, such as painting the new HTML5 canvas, and using HTML compatibility and validation tools.
Chapter 6: Exploring the Document Object Model
To provide interactive and dynamic web pages, getting familiar with the Document Object Model (DOM) is a key element. In this chapter you will learn all the basics that let you understand and manipulate the DOM.
Chapter 7: Getting to Know JavaScript
JavaScript is often mentioned as the assembly of the web. In this chapter you will learn the basics of this simple programming language that vivifies your web pages with only a few lines of code.
Chapter 8: Advanced JavaScript Programming
JavaScript is very easy to use, and it also can be used for very advanced web programming tasks in the browser. This chapter teaches you these advanced programming topics.
Chapter 9: Getting to Know Cascading Style Sheets
In this chapter you will learn the concepts of the Cascading Style Sheets technology that provides the power of great-looking web pages.
Chapter 10: Basic Style Patterns
In this chapter you will learn the most important CSS patterns that add great appearance to your web pages.



The Philosophical Implications of Information Overload
http://www.amazon.com/gp/product/B00MSZ3W14
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g: 0 Posted By: Xenocrates
Views: 107 Replies: 0 Sony 48" 1080p 120Hz LED Backlit Smart HDTV(KDL-48W600B) + $150 Dell eGift Card - $598.00 + FS @ Dell

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For those with no need for the $150 Dell eGift Card the next best deal is $598.00 from BuyDig.
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Need help negotiating car purchase for Saturday!
Added on : Wednesday August 27th 2014 11:00:30 AM
g: 0 Posted By: mpennyranger
Views: 39 Replies: 1 Hi,
I have read a number of threads here and elsewhere re: trying to send out letters to negotiate the purchase of a new car, and I am just about ready to do so--I am in the market for a new Volvo XC60--I have done my test drives, compiled a list of dealerships that I would be willing to drive to (as well as a few others that are very far, but perhaps would be willing to make a good deal), gotten contact info for the internet or fleet salespeople, gotten preapproved through a credit union, know my FICO score, etc..... I am just hitting a hurdle in terms of setting up my letter, and could use some advice.

All of the sample letters suggest saying SPECIFICALLY what you want, so you can compare apples to apples. BUT, in my case, there are two things that I would accept: a 2015 XC60 with the BLIS package OR a 2014 XC60 with the BLIS package. I would definitely prefer the 2015 because it has a substantially higher MPG, but if the 2014 was substantially lower than the best 2015 price I could get, I would consider it. (The available 2014s are also more likely to be "upgraded" from the base model 2015 that I am shooting for, but none of the upgrades from the base model thrill me, so I'm not willing to pay extra for them.)

I DEFINITELY want to make a deal on Saturday because its end of the month and a number of Volvo manufacturer deals that would be awesome ($1000 Cash Back, extra 2 years of warranty & all maintenance, etc.) are expiring, and I want to close a deal as long as something hits my price Target, but I am not exactly sure how to frame the letter. Price also matters a lot, so I do want to see exactly how low I can go. I don't want my letter to say "I'll take the 2014 if it is substantially lower than your 2015 offer," b/c I know they want to get rid of the 2014s and they will just not reduce the 2015 offer. I am thinking perhaps the best strategy would be to send out an only-2015 offer on Thursday, see what comes back with my required specs, and Friday follow up with those same dealerships and say, "I would also consider a 2014, what is your best offer" and then just compare. Thoughts???

(Apologies for being so long-winded)
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g: 0 Posted By: Savvymommy03
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$100 StubHub Gift Card for only $85! Giftcardmall via Ebay
Added on : Tuesday August 26th 2014 08:00:15 PM
g: 0 Posted By: tedhawkins
Views: 152 Replies: 0 $100 StubHub Gift Card for only $85! Giftcardmall via eBay
http://www.ebay.com/itm/100-StubHub-Gift-Card-for-only-85-/26157...

Purchase limit of (2) StubHub Gift Cards per eBay user ID, while supplies last.Retailer InformationWhere Do You Want to Sit? StubHub is the world's largest ticket marketplace for fans, making it easier than ever to find seats to your favorite sporting events, concerts, and theater performances.Redemption InformationWant to redeem your StubHub gift card? Its easy. 1) Enter the gift code in your StubHub account 2) Find the game or show you want to see 3) Enter the code to get your ticketsTerms & ConditionsSummary of Terms & Conditions for the StubHub Gift Card (Card). Use of this Card, constitutes acceptance of the following terms and conditions and those found at www.stubhub.com:1. You must have a StubHub account to redeem this Card. To create an account, visit www.stubhub.com.A credit card, debit card or PayPal account may be required. 2. Card valid only for purchases on StubHub.com 3. Upon redemption, the entire balance of the Card is deposited to your StubHub account. This Card is not reload able and cannot be associated with multiple StubHub accounts. 4. There is no expiration date or Card fees. 5. Treat this Card like cash. Lost, stolen, or damaged Cards will not be replaced except in limited circumstances or where required by law, and only if the Card has never been used, and with proof of purchase as required by StubHub. A processing fee may apply. 6. This Card is not a credit, debit, or charge card. No implied warranties attach to it. 7. Use of the StubHub.com marketplace is subject to the User Agreement at www.stubhub.com/user_agreement.Card users must be 18 years of age or older 8. Invalid or unidentifiable Card numbers will not be redeemed. Allow up to four (4) hours from time of purchase for StubHubs systems to recognize and accept this Card. 9. Purchases using Gift Cards do not count towards StubHub Rewards or Loyalty programs IMPORTANT: A StubHub.com account in the U.S. REQUIRED to use this Card. For security purposes, a credit card, debit card or PayPal account may be required. Valid only for purchases on StubHub.com. Not transferable, refundable, nor redeemable for cash unless required by law. No expiration date or Card fees. Lost, stolen or damaged Cards will not be replaced except as indicated. Questions? Call 800-660-5469 or visit www.stubHub.com/giftcards.Shipping Information

Standard- All packages are shipped using USPS Critical Mail. You will receive a tracking number from U.S. Post Office that will track your package to your delivery address. You should expect your order to arrive in 3-5 business days.

All orders of $250 or more require a signature upon delivery and cannot be shipped to a P.O. Box.All items sold are plastic gift cards. We are unable to email you the gift card number at this time, but look out for this great feature in the future. Your card will arrive within a 9 x 6 inch envelope. You will receive an email confirming your purchase details, and a shipment notification email with tracking # sent to the billing email address associated with the PayPal account used for payment.
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$10 off any purchase at Amazon after linking your eligible Citi Card
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g: 3 Posted By: Krazen1211
Views: 519 Replies: 5 Time to drag those Citi Dividends out of the drawer?




Link
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Alto TS115A 15" Active 2-Way Speaker Restock $229.99 Fs @ MF
Added on : Tuesday August 26th 2014 09:00:12 AM
g: 0 Posted By: tedhawkins
Views: 147 Replies: 0 Alto TS115A 15" Active 2-Way Speaker Restock $229.99 Fs @ MF

http://www.musiciansfriend.com/stupid



DescriptionPart of Alto's TRUESONIC series, the TS115A is an 800W Class D powered loudspeaker with a 15" low-frequency transducer and 1" neodymium driver. It provides you with two mic/line combo inputs with independent volume controls and an XLR output for linking to other speakers. Their lightweight, trapezoidal cabinet makes it easy for you to use it as a traditional upright loudspeaker or as floor wedge monitor, and it's stand or pole-mountable as well as flyable. Other features include a Clip Limiter with red LED, Ground Lift switch, and a contour switch for increased EQ control.

Versatile Cabinet Design
All TRUESONIC 2-way speaker cabinets have been designed with versatility and longevity in mind. They feature a durable, lightweight polypropylene enclosure that is stand-mountable for weekend gigs and flyable for more permanent installations. What's more, they have a trapezoidal design which greatly decreases the resonance of the standing wave in the cabinet for a more true-and-exact sound reproduction. The TRUESONIC TS115A is ideal for musicians and DJs on the move and halls, malls, schools, houses of worship and more.

Total Transparency
The TRUESONIC Series was designed from the ground up to be the most transparent loudspeaker money can buy. Rigorous testing and thousands of hours of listening have gone into making sure that what you pump into a TRUESONIC speaker is exactly what you get out. Everything you see (and some things you dont) from internal signal path and components used to the sculpted cabinet and meticulously designed waveguide was developed in service of the principle of accurate, transparent sound.

Super Efficient Drivers
The drivers in the TRUESONIC TS115A are designed to make sure that virtually no energy is wasted. That translates to more of the power from the amplifier actually working to generate sound rather than heat, giving the speaker better real-world performance than other speakers with comparable published specifications. The TRUESONIC TS115A offers a 15" LF driver (2" voice coil) and a 1" HF neodymium driver.

Modern amplifier design
Every active TRUESONIC speaker benefits from the use of a Class D amplifier integrated into the cabinet. Class D amps are generally lighter than Class A and AB amplifier designs, and offer more than enough power to provide your performance with plenty of punch. The TRUESONIC TS112A delivers with 800 watts of power and offers a balanced combo jack (XLR/TRS) input with level control. Class D amplifiers are also highly efficient and run cooler than other kinds of amps so the amp doesn't have to work as hard to deliver your mix.

Hang 'em High
Optimal speaker placement can be challenging, especially if your speakers don't have what it takes to go anywhere. Whether you need to fly your speakers, polemount or use them as floor monitors, TRUESONIC speakers are ready for you. All TRUESONIC speakers feature standard 36mm pole mounting insets on the bottom. If you need to fly them, it's no problem. The TS115A comes with five rigging points. All these options make the TRUESONIC one remarkably venue-friendly speaker. You can use them anywhere you need them.

Just what you need
Whether you're performing at a coffeehouse, wedding, house of worship or other small- to medium-sized venue, the TRUESONIC TS115A is your best choice. For example, it's easy to get your TRUESONIC speakers to the gig thanks to their carrying handles and lightweight design. Once you're there you won't need to be a live sound engineer to figure out how to EQ the speakers thanks to the built-in Contour EQ switch that can help adjust for those situations where an EQ alternative is needed for recorded music playback. When you're connecting everything, the TRUESONIC's dual XLR/combo inputs make easy work of your setup and each speaker's independent level controls give you the flexibility to dial everything in your way in seconds.

Full metal grille
You can never be too safe around the stage. We know stuff happens that you just can't predict. Sometimes it's the flying drumstick, a falling mic stand or worse. Every TRUESONIC speaker comes with a complete front grille from top to bottom that protects not only your low-frequency driver, but your high-frequency driver as well. With TRUESONIC speakers, you get extra peace of mind knowing that whatever comes at your sound system, it's covered, literally.Features

800W of Class D power
15 low-frequency transducer, 1 neodymium driver
Two Mic/Line combo inputs with independent volume controls
XLR output to link speakers
Lightweight, trapezoidal cabinet with handles
Stand/polemountable or flyable
Clip Limiter with red LED
Ground Lift switch
Contour switch for increased EQ control
Accurate audience coverage, not just on-axis
Use as a traditional upright loudspeaker or as floor wedge monitor
Designed and tuned in the USA

Applications:

Mid/large-sized PA systems
Halls, auditoriums, amphitheaters
Gymnasiums, fitness centers, and dance studios
Houses of worship
Bars, restaurants, clubs
Mobile DJ systems
Special events, presentations, and weddings





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g: 0 Posted By: tedhawkins
Views: 191 Replies: 0 Protected by AR15 Lawn Signs (AK47, 00BUCK, or 2nd Amendment) for $19.99 + Free shipping @ gearhog

http://www.gearhog.com/?did=68236

Deal Overview
Who needs those dime a dozen "Protected by a Security System" signs when you can show your true colors with a Webyshops Lawn Sign. Our Yard Signs come in four varieties so you can send just the right message. For assault rifle enthusiasts, we have both Protected by AR15 and Protected by AK47 signs to show you mean business. If you're more of a fan of buckshot, we've got you covered with the Protected by 00 Buckshot sign. Finally if you're adamant about your 2nd Amendment rights, we also have the standard Protected by the 2nd Amendment sign. Webyshops Lawn Signs measure 11" X 11" and include a 21 in. stake so you can proudly display it anywhere in your lawn or garden. Show your Webyshops allegiance today with a sign that is serious as you are about guns, ammo, and gear.


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Plastic surgery, the FWF way.
Added on : Tuesday August 26th 2014 07:01:08 AM
g: 2 Posted By: CowbellMaster
Views: 219 Replies: 9 My wife is a warrior - after multiple children she has some war wounds and although she's incredibly fit, thin and healthy there are some things that diet and exercise can't fix so she has decided to pursue a fix. We're planning on a traditional 'mommy makeover' which will include a tummy tuck, hernia repair, and BA. I'm curious what other FWFers have done or would advise.

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

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

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

Thanks for any insight.
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Katy Perry's entire album PRISM FREE on Google Play
Added on : Monday August 25th 2014 02:00:55 PM
g: 2 Posted By: masterox7737
Views: 158 Replies: 0 Katy Perry's 3rd album, PRISM, featuring the songs "Roar", "Dark Horse", "Birthday", and "This Is How We Do", is free right now on Google Play.

To get it, click the following link. Only the entire album is free, not the individual songs. Finally, it is the standard 13 track version of the album, not the deluxe version.

https://play.google.com/store/music/album/Katy_Perry_PRISM?id=Bs...

Great for all those Perry fans who haven't got the album yet.
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Free Summer Sampler Music Download from Facedown Records
Added on : Monday August 25th 2014 09:01:07 AM
g: 0 Posted By: MrsGuin
Views: 0 Replies: 0 http://facedownrecords.com/sampler/

SAMPLER 2014
1.Mouth of the South Good Intentions
2.Colossus Demons
3.Everything In Slow Motion Poison
4.War Of Ages From Ashes
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6.Those Who Fear Bruised
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9.Leaders Weak Minds
Ebay: $50 Jiffy Lube Gift Card for ONLY $40!
Added on : Monday August 25th 2014 05:00:06 AM
g: 0 Posted By: JayMatt19
Views: 76 Replies: 0 Linky
$50 Jiffy Lube Gift Card for ONLY $40!With over 2,000 Jiffy Lube service centers across US..
Purchase limit of (3) Jiffy Lube Gift Cards per eBay user ID, while supplies last.Retailer Information
Jiffy Lube is the largest quick lube oil change company with more than 2,000 locations, serving 27.5 million customers each year. Jiffy Lube pioneered the fast oil change industry and is committed to providing an exceptional experience for its customers by offering fast, convenient and professional service - at a good value.More than 20,000 highly-trained technicians provide a range of preventive maintenance services - from oil changes to filter and belt replacements - all designed to help keep you and your vehicle on the road and out of the repair shop.Redemption InformationThe Jiffy Lube Gift Card can be redeemed at over 98% of all US Jiffy Lube Service Centers. To find a location near you visit jiffylube.com.Terms & ConditionsYour use of this Card constitutes acceptance of the following terms: This Card can be used only for purchases of goods and services at participating Jiffy Lube service centers in the U.S. No value until purchased.This Card cannot be redeemed for cash and no change will be given, except in those states that require redemption for cash. Except in certain circumstances, the value on this Card will not be replaced if the Card is lost, stolen, or destroyed. No fees. No expiration. For questions regarding your Jiffy Lube Gift Card, please contact your local Jiffy Lube service center, visit www.giftcard.jiffylube.com,or call the Help Desk at 800-544-7537. For remaining Card value, check your invoice or call 800-544-7537. <b>For security reasons, treat this Card like cash.Shipping Information

Standard- All packages are shipped using USPS Critical Mail. You will receive a tracking number from U.S. Post Office that will track your package to your delivery address. You should expect your order to arrive in 3-5 business days.

All orders of $250 or more require a signature upon delivery and cannot be shipped to a P.O. Box.All items sold are plastic gift cards. We are unable to email you the gift card number at this time, but look out for this great feature in the future. Your card will arrive within a 9 x 6 inch envelope. You will receive an email confirming your purchase details, and a shipment notification email with tracking # sent to the billing email address associated with the PayPal account used for payment.
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Question about Cost Basis Method for Mutual Funds at Charles Schwab
Added on : Sunday August 24th 2014 03:00:38 PM
g: 0 Posted By: FutureDilemma
Views: 17 Replies: 0 In my Charles Schwab brokerage account online, on the Cost Basis Method tab under Account Settings, I see the following words under the Mutual Funds column: "Uses Account Default". What does this mean? One CSR thought that it meant the Average Cost Basis method would be used for mutual funds since that is the default for mutual funds. Another interpreted it to mean that the Tax Lot Optimizer method would be used for mutual funds since that is what is listed under the previous column that has the heading Account Default. To make things more confusing, when I try to sell a mutual fund, it takes me to the confirmation page without mentioning which cost basis method would be used.

Anyone here know what the correct interpretation is and which method will actually be used for those settings?
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Credit card & bad credit
Added on : Saturday August 23rd 2014 01:00:25 PM
g: 0 Posted By: Izmeeh
Views: 8 Replies: 0 Hello,

A friend with a low credit score due to bankruptcy is looking to open a credit card without an annual fee since some places he needs to purchase things from are not accepting cash. Please give recommendation as to places with a history of accepting applications from people with low credit scores. I'd rather that he applies for one and be accepted right away instead of trying multiple places hoping for one approval. Or, is it better to apply for a card from one of those pre-approved mailers?

Thanks.
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g: 0 Posted By: Murrow
Views: 117 Replies: 0 GMG Link
You wanted it, we made it: if you have missed any of the50 Games You Must Play Before You Die,here's your chance!

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g: 0 Posted By: ctgolfer
Views: 156 Replies: 0 Sold and Shipped by: 47st. Photo


More Effective and Comfortable Than Floss

Finally, there is an easier, more effective alternative to string floss: the Wellness FC-10 Professional Cordless Water Flosser. The FC-10 is ideal for those who don't like to floss, as well as for anyone with braces, implants, crowns, bridges, or periodontal pockets. Water flossing for about a minute a day conveniently and comfortably removes up to 99.9% of plaque from treated areas and gently massages the gums to improve overall oral health. The FC-10 is clinically proven to be up to twice as effective as string floss at improving gum health, and three times as effective as string floss for cleaning plaque and debris around braces.

Dual Water Pulse Control System

With the FC-10's dual water pulse control system, you can personalize your pulses. Choose either a gentle 1,600 pulses per minute or more powerful 3,000 pulses per minute to meet your needs. The FC-10 uses a unique combination of water pulsations to massage and stimulate gums while in pulse mode, removing plaque deep between teeth and below the gum line where traditional brushing and flossing can't reach.

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The cordless, rechargeable design of the Wellness FC-10 lets you walk away from the charger for maximum mobility and convenience. Never worry about batteries running out. In addition, the FC-10's improved shape takes up less space on the bathroom countertop, and an advanced, ergonomic handle with non-slip grip fits securely in your hand.

www.newegg.com/Product/Product.aspx?Item=9SIA04D1VP3218
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Paying IRS 10% Penalty on Non-qualified Annuity Withdrawal
Added on : Friday August 22nd 2014 07:00:47 AM
g: 0 Posted By: agawam
Views: 104 Replies: 0 Several years ago, I purchased with after-tax funds a non-qualified variable annuity. I have now decided to withdraw my contributions and earnings instead of annuitizing. Since I am not yet 59 1/2, I know I will have to pay a 10% IRS penalty on the earnings (not very large).The insurance company has stated that they can withhold federal and state taxes on the earnings but none of those taxes will be used toward the penalty. With that being the case, once I receive these funds, do I need to wait until next year to pay the penalty when I complete my 2014 taxes? Or is there a way to pay the penalty this year? If I can pay this year, what form do I need to fill out? If I have to wait until I complete my 2014 taxes, is there an additional form that I will need to fill out to address this penalty?

Thanks!
Personal Finance Deals
g: 0 Posted By: ctgolfer
Views: 199 Replies: 2 shipping adds $6.95

Minimus is a whole new approach to footwear, inspired by Good Form Running and designed to be worn with or without socks. The Minimus Road running shoe is engineered for use on pavement and other varied running surfaces. Supremely comfortable and extremely lightweight, the MR10 is taking the running world by storm.

Minimus is a whole new approach to footwear, a new place on the spectrum from barefoot running to the traditional maximum-cushioning running shoe. Inspired by Good Form Running and designed to be worn with or without socks. With only a 4mm drop* from heel to toe, as little as a third of that of a traditional running shoe, the Minimus collection holds a world of discovery for neutral runners as well as those with gait issues or chronic injury to conquer by learning better form.
*4mm drop: due to variances created during the development and manufacturing processes, all references to 4mm drop are approximate
Innovative REVlite midsole provides premium responsiveness and durability at a 30% lighter weight than other foams with comparable performance
Vibram outsole provides maximum surface contact and multi-directional traction
Barefoot friendly internal construction
No sew overlays in optimal areas
Anti-Microbial treatment
Odor resistant
Lightweight mesh upper
Color: White with Neon Green & Blue
Shoe Last: NL-1
Weight: 184 grams (6.5 oz)

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g: 0 Posted By: robronson
Views: 108 Replies: 1 FWF is about maximizing value from your financial decisions. This is my first year doing real self-employed work as my full time thing with a 6-figure income. I've done a bunch of tax planning and am revisiting for the rest of the year now that my total 2014 income is easier to predict. I made several tracking estimation spreadsheets along the way and identified "bend points" whereby it would be extremely valuable to get a little bit extra of a business deduction, as well as other income threshholds where the additional business deduction was much less valuable.

For example, the Traditional IRA phaseout occurred for me at around $95k gross income. At that income point, when you factored in my YTD business expenses, 401k/HSA contributions, 1/2 of SE Tax deduction, etc, I was able to deduct a Traditional IRA from my income. There's a bit of a step to the phaseout, but for simplification of discussion, if my income were to stop at just above the $95k gross mark, I'd be heavily incentivized to waste, I mean spend money on "business things" that could push my AGI down.

Also in my case, at around $125k Gross Income, I reached the point where FICA was no longer required to be paid. Thus, as my income got to $130k+, it made less sense for me to waste money on business things (like a new computer I only kind of sort of want, rather than absolutely need) because ever dollar of income reduced beyond that point is 12 cents less of FICA deduction. Whereas when my gross income was in the $115k range, every marginal dollar spent on business stuff had an extra ~12 cent value, meaning everything was ~12% cheaper (out of pocket).

I'm currently in the "weird" place where I'm exceeded the FICA annual cap but haven't yet made it into the 28% tax bracket. Once the FICA cap was hit, the marginal benefit of each dollar of business expense dropped 12% and now I'm questioning whether I really want to waste money on the bunch of "legitimate" business expenses that I can section 179 like a new iPad and a new computer.

It seems to me that if possible, I should structure my work such that in alternating years, I keep my income below the FICA cap but above the 15% threshold and perhaps near the Traditional IRA deduction phaseout. That would provide the maximum value for business deductions. It would mean that I could only gross around $90k in that year, which means I've taken a lot of time off (4 to 6 months off). Maybe I try to get a 1.5 year gig, take 4 to 6 months off, and then rinse/repeat. That gives me alternating years where I can splurge on cool things like new iPads/iPhones (which I legitimately do use in my consulting work), and get maximum benefit from the business deduction.

I haven't seen any other discussions like this on the forums. I do know typically, most small business owners just splurge on stuff in late December if their accountant suggests they do. I don't want to be one of those people because then I'll have to pay full price for things. If I know that I should buy a new computer in a given year to reduce my tax liability, if I realize this in August, then I have 5 months to look for a sale and also possibly get an additional 5 months use out of it.
Discussion Deals
Burton Frontier Jacket - Men's $119.95 Fs @ Usoutdoor
Added on : Thursday August 21st 2014 04:00:04 AM
g: 0 Posted By: tedhawkins
Views: 192 Replies: 0 Burton Frontier Jacket - Men's $119.95 Fs @ Usoutdoor

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

Surviving the harsh winter elements out on the mountain couldn't be easier with the Frontier Snowboard Jacket from Burton on your side. The Frontier men's jacket gives you all-weather versatility so you can handle whatever the conditions are up on the mountain. Burton's DYRIDE 2L Durashell fabric is both highly waterproof and highly breathable and fully taped seams add an additional layer of defense. For those really cold days boarding, stay warm with zonal mapped 3M Thinsulate insulation and Sherpa fleece panels. Antimicrobial properties help fight against odor where you need it the most. The Burton Frontier Snowboard Jacket also features a contour hood, waist gaiter, hand garters and lots of pocket space to stash personal items safely.

Attention: Burton Snowboards & Gear can be shipped only within the United States and Canada.
Features of the Burton Frontier Jacket

Fabrics/Materials: DRYRIDE Durashell 2L Fabric
Insulation: 3M Thinsulate
Breathability Rating: 10,000g
Waterproof: Yes
Type of Waterproofing: DryRide
Waterproof Rating: 10,000mm
Liner: Sherpa fleece and embossed taffeta lining with Aegis Antimicrobial heathered knit lined arm ptis
Pockets: Two zip hand pockets and chest pockets, internal stash pocket and mesh dump pocket, internal goggle pocket with secure Audio Sleeve
Fit: Men's Sig Fit
Hood: Fixed adjustable hood
Seam Sealing: Fully Taped Seams
Wrist gaitors: Removable Waist Gaiter
Snap-in/Snap-out removable hand panties





Clothing Deals
g: 1 Posted By: remick
Views: 135 Replies: 0 http://www.amazon.com/dp/B00CB5UEXU/

4.5 out of 5 stars (32 customer reviews)

What if Jesus didnt die so our lives could look perfect? What if He died so we could stop feeling like our lives have to be perfect to mean something? What if we simply live out our own story, even if it doesnt look as others say it should? Mandy Steward set out in pursuit of these what-ifs. She didnt find answers so much as she discovered a messy grace that knows no limits and a God that was and is willing to thrash about with her no matter her questions or struggles or doubts. What she found was abundant life, but it didnt look like she thought it was going to. It was far different, and much deeper. This is a book without easy answers that lets those struggling with faith and searching for more know they are not alone.


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Animals Pray Too: Dear God... Twenty-six Caught-on-Camera Prayers for Children (To Inspire and Make Them Smile) (Animals With a Message Book 6)
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Kids Book About God: A Childrens Book About Prayer, A Guide For Parents About Children and Prayer (Faith Alive 1)
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How To Pray Like Jesus: How to Pray the Lord's Prayer Effectively, a Prayer Book About the Lord's Prayer (Faith Alive)
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Fidelity Cash Management ATM Debit Card Foreign Transaction Fee
Added on : Wednesday August 20th 2014 05:00:08 PM
g: 0 Posted By: Jake707
Views: 100 Replies: 2 Hi,

I'm looking for a new debit card to use overseas. I'm down to the Schwab High Yield Investor Checking or Fidelity Cash Management. I really want to get the Fidelity one because I'm already set up there with my IRAs and there's no hard pull credit check but that 1% foreign transaction fee is bothering me. I've seen some posts on here from earlier in the year about people doing only ATM withdrawals and not having any FTF. Is this still the case or has Fidelity locked that down since then?

I called Fidelity and they told me, ATM or POS transaction, there is going to be a 1% fee. Can anyone verify if this ATM withdrawal fee is truly happening?

Also--Fidelity says one can use any ATM worldwide with the Visa logo. Does this even mean those Travelex ATMs you see in airports? Or some hole-in-the-wall ATM I might find in Asia, even if it has the Visa logo?
New User Question Deals
EOS 70D EF-S 18-55mm IS STM Lens Kit Refurbished $863.36 w/FS @ Canon
Added on : Wednesday August 20th 2014 10:00:03 AM
g: 1 Posted By: ctgolfer
Views: 149 Replies: 0 Features

Dual Pixel CMOS AF
The EOS 70D features Canon's all-new Dual Pixel CMOS AF, a revolutionary leap forward in speed and accuracy that unlocks the potential of Live View shooting. This game-changing technology will forever change what is possible with a DSLR camera.

Shoot Video Like a Camcorder
The benefits of the groundbreaking Dual Pixel CMOS AF are clearly evident in video shooting, where bringing scenes and subjects into focus is a critical element of the final composition. On the EOS 70D, Dual Pixel CMOS AF helps ensure focus is achieved naturally and precisely, even when switching between subjects. And, combined with the predictive power of Movie Servo AF, subjects in motion are smoothly and consistently tracked - once the EOS 70D locks focus, it doesn't let go. Plus, with the shallow depth-of-field afforded by EOS optics, your video gains a cinematic ambience.

Compositional Freedom, Quick and Accurate Live View Focus
For stills, Dual Pixel CMOS AF makes Live View AF precise and faster than ever, freeing the photographer to take advantage of the freedom of angle afforded by the camera's Vari-angle LCD monitor. Crisp focus can be obtained nearly instantly across a wide shooting area, especially useful for those spontaneous or fleeting shots. And, when composing and shooting in Live View mode, the image, exposure and chosen effects can be previewed before shooting, ensuring better accuracy, increased comfort, and more control from the start.

Compatible with 103 Canon EF Lenses
103 Canon EF lenses are able to fully realize the benefits of Dual Pixel CMOS AF. Compatible lenses greatly expand creative and compositional possibilities so users can enjoy a wide range of endeavors made possible through various lenses whether shooting still images or video.

The Genius of Pixel Based AF
Dual Pixel CMOS AF is a cutting-edge Canon technology, made possible by a sophisticated redesigning of the CMOS sensor. Traditionally, image sensors have one photodiode per pixel, but the CMOS sensor on the EOS 70D has two photodiodes per pixel, enabling each pixel on the sensor to both perform phase-difference detection autofocus and capture light - a first for EOS cameras. With phase-difference detection AF, autofocus is achieved quickly and easily on the camera. This unique AF system enables autofocus on 80% of the image plane, vertically and horizontally, and helps ensure virtually no loss in image quality.

The simplicity and convenience of wireless technology, built-in
The new EOS 70D incorporates cutting edge wireless technology right into its compact design. The camera's exposure settings, such as aperture, shutter speed and ISO, focus, and shutter can be operated wirelessly using an iOS or Android smartphone* with the free Canon EOS Remote app**. Using a smartphone with the EOS Remote app** installed, you can shoot remotely from a distance, even in Live View mode, for those difficult-to-capture shots; you can also review images on the EOS 70D without having to take it out of the bag, and easily transfer and save images directly from the camera to a smartphone. Full DLNA (Digital Living Network Alliance) compatibility means easy sharing between the EOS 70D and other DLNA products, like HDTVs, smartphones and more. Still images can even be transferred between two wireless-enabled Canon cameras over a Local Area Network (LAN). Images and video can be uploaded instantly to CANON iMAGE GATEWAY# for easy sharing on social networking sites, and photos can even be printed on a wireless PictBridge certified printer without the need for a PC. Remarkably, the EOS 70D has all of these wireless features without the need for any additional accessories; they're built right in!

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Did not pay estimated taxes - now what?
Added on : Tuesday August 19th 2014 09:00:07 AM
g: 0 Posted By: LagerChamp
Views: 0 Replies: 0 I made a little "too much" money last year, because I still had employment income and also started a business that was profitable in 2013. So in April 2014, TurboTax printed 4 estimated tax coupons for me, with the first one being due, I believe, in April and the second one 3 months after that. It is now end of August, and I still haven't mailed any of those vouchers, for several of reasons, some of which are: 1) I quit my regular job and am now living off the income from the business, so there is no more W2 income (i.e. the estimate amount is way off);2) My business income is down from last year (although still profitable); 3) I was short on cash due to additional loans taken to invest in the business.

In the end, I'm pretty sure that I still owe estimated taxes, because my business did make money, and I still haven't paid a dime in taxes for 2014. I have two questions:

1. What will be the consequences if I continue to sit on my ass until April 2015 and pay all the taxes then? Interest, fines, and/or jail?
2. If I do decide to pay everything I owe up until now, which vouchers do I mail right now? The April one? Just the second one with combined amounts from vouchers 1 and 2? Will there still be penalties if I pay everything now? Can I take the liberty of adjusting the amounts or does it have to be whatever TurboTax printed on the vouchers?
g: 0 Posted By: Hoogineer
Views: 103 Replies: 0 Humble Jumbo Bundle 2

Description

The monstrous Jumbo bundle returns! It towers over the city leaving bundles in its wake. No gamer is safe when Jumbo comes to town. Is it friend or foe? The only thing we know, it's Jumbo! Pay what you want for the DRM-free version of Deadlight. Paying $1 or more gets you access to the title on Steam, as well as The Incredible Adventures of Van Helsing Complete Pack and Galactic Civilizations II: Ultimate Edition. If you pay more than the average price, you'll also get Terraria, THE KING OF FIGHTERS XIII Steam Edition and Crusader Kings II with 3 DLC Unit Packs. Those who pay $15 or more will receive all of the above, plus the Age of Empires Legacy Bundle.

Jumbo savings. If you bought all of these games separately, it'd cost you up to $210, but we're letting you name your price!

Redeem on Steam and watch your library go on a rampage. Deadlight is available DRM-free and on Steam for Windows. All titles are available on Steam for Windows, with select games available for Mac and Linux. A minimum purchase of $1 is required for Steam game redemption. Please check the full system requirements here.

Support charity. You choose where your money goes: between the developers and two vital charities, the American Red Cross and Child's Play Charity. If you like this bundle, a tip to Humble Bundle would be greatly appreciated!
Custodial account or not?
Added on : Tuesday August 19th 2014 05:00:08 AM
g: 0 Posted By: ChinaRider
Views: 94 Replies: 2 We're saving money for our kids. They already have 529 accounts. The additional "savings" is nothing more than money in our various accounts that's earmarked for them. It's still our money. Should we move it into custodial accounts?

So far I see the following considerations:

Kiddie tax
Reduced financial aid availability for college
Control (I'd like to think they'll be wise enough not to blow it when they cease being minors but who knows...)

What else should I consider? Saw the thread about manipulating the kiddie tax for overall tax savings but I'm not really thinking along those lines. I'm just looking for your opinions on whether the money is better kept in our accounts or custodial accounts.

Thanks.


Personal Finance Deals
Health Insurance advice (New Job. 60 day waiting period)
Added on : Tuesday August 19th 2014 04:00:05 AM
g: 1 Posted By: mikef07
Views: 30 Replies: 3 I will be starting a new job on Monday. The new company has a 60 day waiting period for Health Insurance to begin. Any advice on what to do for those 60 days. From my understanding I can sign up for Cobra for 30 days after leaving so that would take care of 30 days (should I need it), but what about day 31 to day 60?
Regalo Home Extra Tall Walk Through Gate $39.99 @ Woot
Added on : Tuesday August 19th 2014 12:00:02 AM
g: 0 Posted By: ctgolfer
Views: 63 Replies: 0 shipping adds $5

Span: 29" to 34" (52" w/included extensions)
Gate Height: 38"Common Features

These wide metal walk through safety gates are perfect to fit a variety of openings in your home
Features premium cherry wood inserts and a black finish
perfect to fit a variety of openings in your home
The easy to adjust pressure-mounting system makes installation quick and easy
When your hands are full the convenient "Easy Close" handle is designed to allow you to simply push these gates closed making your job a little easier
These Dcor safety gates are the perfect combination of function and fashion
This gate meets all current safety standards
Includes both a 6" and 12" extension kit for openings up to 52" wide
Stands at a safe 38" to provide extra security for those little climbers
Expands from 29"- 52" (with extensions)
Features an Easy Lock Handle



http://kids.woot.com/offers/regalo-home-extra-tall-walk-through-...
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woot! Coupons
g: 0 Posted By: m2go
Views: 242 Replies: 1 I bought a camera recently to take on a trip (Canon refurb S100, recently found on FW ) and it died -- probably a long term effect of getting splashed by the blow back from a water fallI was taking a picture of...

Anyway, I'm looking at the AMEX Purchase Protection plan and since PP insurance is secondary, they want all details for my homeowners/renter's insurance, incl. policy, adjuster/agent name & phone number etc., if I have one.

Knowing that a friend of mine once called his homeowner's insurance about a stolen camera (no, it was not covered; yes, it was a claim; yes, his insurance supposedly went up), I am a bit hesitant about submitting a claim (I once got $300for my parked car getting hit, and then had that claim push me into the next rating tier for an aggregate $3000 over 3 years).

So, I wonder...can anybody share their experiences here... all I can read is that PP claims generally went smoothly. Did all those folks not have insurance? Not worry? Not gotten their next policy renewal for their primary insurance showing an increased premium?

I'm tempted to call my insurance and ask - but I have read that even that question gets written up as a claim...

So, inquiring minds want to know.... to file AMEX PP with primary insurance details, or not, and what to expect?

Thanks!
Question Deals
g: 0 Posted By: amesserium
Views: 138 Replies: 0 Save 56% on the Men's New Balance 730 Running Shoes @ Joe's New Balance Outlet - $32.99
was $74.99
free shipping on $99 For those looking for less weight and more of a connection to the road, the New Balance 730v2 is the running shoe for you. Its 4mm heel-to-toe drop and lower midsole height puts you in better touch with the ground. And its ACTEVA LITE cushions at every step. Also featuring a synthetic/mesh upper and flexible outsole, the 730v2 delivers an ultra-lightweight, natural ride. Solid rubber outsoleSynthetic/Mesh upperACTEVA™ LITE premium lightweight midsole provides optimal resistance to compression set - 24% lighter than standard foam4mm drop: due to variances created during the development and manufacturing processes, all references to 12mm drop are approximateThrough a unique midsole design, the XLT Footbed provides great comfort and flexibility under foot.Breathable air meshEVA (Ethyl Vinyl Acetate) foam midsole for cushioningColor: Black with YellowShoe Last: RL-4Weight: 268 grams (9.45 oz)  (FatWallet Deal Hunter staff posts are certified ad-free. No money, bribes, or candy have been accepted.)
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Joe's New Balance Outlet Coupons
g: 0 Posted By: Advertisement
Views: 164 Replies: 0 Today's Daily Deal Save 56% on the Men's New Balance 730 Now Only $32.99 at JoesNewBalanceOutlet.com

Description:

For those looking for less weight and more of a connection to the road, the New Balance 730v2 is the running shoe for you. Its 4mm heel-to-toe drop and lower midsole height puts you in better touch with the ground. And its ACTEVA LITE cushions at every step. Also featuring a synthetic/mesh upper and flexible outsole, the 730v2 delivers an ultra-lightweight, natural ride.

Solid rubber outsole
Synthetic/Mesh upper
ACTEVA LITE premium lightweight midsole provides optimal resistance to compression set - 24% lighter than standard foam
4mm drop: due to variances created during the development and manufacturing processes, all references to 12mm drop are approximate
Through a unique midsole design, the XLT Footbed provides great comfort and flexibility under foot.
Breathable air mesh
EVA (Ethyl Vinyl Acetate) foam midsole for cushioning
Color: Black with Yellow
Shoe Last: RL-4
Weight: 268 grams (9.45 oz)

Shoes Deals

Joe's New Balance Outlet Coupons
g: 0 Posted By: ctgolfer
Views: 108 Replies: 0 use promo code: VCO and check out with Visa

Brand
Nokia
Model
Lumia 635 (T-Mobile)
Form Factor
Smart Phones

Connectivity
Compatible Carrier & Service
T-Mobile 2G, T-Mobile 3G
4G
LTE
Wi-Fi Support
Wi-Fi 802.11 b/g/n, DLNA, Wi-Fi hotspot

Function
GPS Integrated
A-GPS support and GLONASS
Audio
MP3, WAV ringtones

MP3/WAV/eAAC+/WMA player
Message
SMS, MMS, IM
Email
Email, Push Email
Additional Function
Wi-Fi/GPS

System
Operating System
Windows Phone 8.1

Processor
CPU
ARM Cortex-A7
CPU Core
Quad-Core
CPU Speed
1.2GHz
Processor
Qualcomm Snapdragon 400 Chipset, Adreno 305 GPU

Memory
Internal Memory
8 GB, 512 MB RAM
Card Slot
MicroSD(TF Card)
Card Capacity Support
Up to 128GB

Display
Main Display Size
4.5"
Main Display Color
16M
Main Display Format
IPS LCD
Main Display Resolution
480 x 854
Touch Screen
Capacitive touchscreen

Camera
Camera
5.0 MP
Auto Focus
Yes
HD Video Capture
720p

I/O Interface
Bluetooth Support
Bluetooth v4.0 with A2DP
Expansion
3.5mm jack, microUSB v2.0

Battery
Battery Type
Lithium Ion Battery
Battery Capacity
1830mAh
Talk Time
Up to 12 hour(s) (2G) / Up to 14 hour(s) (3G)
Standby Time
Up to 648 hour(s)
Operating Time
Music play: Up to 58 hour(s)

Software
Software
SNS integration

MP4/H.264/H.263/WMV player

Document viewer

Video/photo editor

Spec
Specifications
Multitouch

Corning Gorilla Glass 3

ClearBlack display

1/4'' sensor size, geo-tagging, panorama

Sensors: Accelerometer

Active noise cancellation with dedicated mic

7GB free SkyDrive storage

Voice memo/dial/commands

Predictive text input

Dimensions & Weight
Dimensions
5.10" x 2.63" x 0.36"
Weight
4.73oz
Quick Info
Warranty
Limited Warranty period (parts): 1 year
Limited Warranty period (labor): 1 year
Manufacturer Contact Info
Manufacturer Product Page
Website: http://www.nokiausa.com
Support Phone: 1-888-665-4228
Support Website
View other products from Nokia
Return Policies
This item is covered by Newegg.com's Prepaid Cell Phone Return Policy.

Return for refund within: 15 days (must be unopened, brand new condition)
Return for replacement within: 15 days
Restocking Fee: Yes
Products that state "THIS ITEM IS COVERED BY Newegg.COM'S PREPAID CELL PHONE RETURN POLICY", items covered by this policy (those products for which Newegg states "THIS ITEM MAY BE RETURNED FOR A REFUND WITHIN 15 DAYS OR REPLACEMENT WITHIN 15 DAYS ONLY") must be returned to Newegg within 15 days of the invoice date for this policy to apply. Return constitutes receipt of the product by Newegg, and not the mere issuance of an RMA.

www.newegg.com/Product/Product.aspx?Item=N82E16875205455
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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: 0 Posted By: m2go
Views: 88 Replies: 0 I bought a camera recently to take on a trip (Canon refurb S100, recently found on FW ) and it died -- probably a long term effect of getting splashed by the blow back from a water fallI was taking a picture of...

Anyway, I'm looking at the AMEX Purchase Protection plan and since PP insurance is secondary, they want all details for my homeowners/renter's insurance, incl. policy, adjuster/agent name & phone number etc., if I have one.

Knowing that a friend of mine once called his homeowner's insurance about a stolen camera (no, it was not covered; yes, it was a claim; yes, his insurance supposedly went up), I am a bit hesitant about submitting a claim (I once got $300for my parked car getting hit, and then had that claim push me into the next rating tier for an aggregate $3000 over 3 years).

So, I wonder...can anybody share their experiences here... all I can read is that PP claims generally went smoothly. Did all those folks not have insurance? Not worry? Not gotten their next policy renewal for their primary insurance showing an increased premium?

I'm tempted to call my insurance and ask - but I have read that even that question gets written up as a claim...

So, inquiring minds want to know.... to file AMEX PP with primary insurance details, or not, and what to expect?

Thanks!
g: 0 Posted By: DizzyT71
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Had my first Lending Club default: painful
Added on : Monday August 18th 2014 04:00:08 PM
g: 0 Posted By: urtpiz
Views: 11 Replies: 0 For a whole three months I was cruising at a +20% annualized clip, then plummeted to 16% because of one single deadbeat who couldn't pay his $300/month bill and within one month filed for bankruptcy instead of looking for a job. Starting to rethink my master plan of regular new monthly investments. I understand the risks, but its painful the first time it happens. With 70 notes purchased and only one default, that's a big drop.

No disrespect to those in legitimate financial dire straits.
g: 0 Posted By: lonelyaccountant
Views: 153 Replies: 1 this is a good deal for those of you with a nook from barnes and noble and like vampire stories

http://www.barnesandnoble.com/w/the-vampire-hunters-daughter-jen...

only 99 cents....good deal



Books Deals
g: 5 Posted By: SweetClover
Views: 1775 Replies: 7 Title and details have been updated in post, important details in bold.

Get a FREE 24-Pack of Instant Noodles and Good Cook Noodle Makerstarting on August 18th at Noon PST/3PM EST! You can see a Time Zone Chart Here.You will need to "like" on Facebook and "share" as well. Do this well before giveaway
Good Cook said: We have an awesome new product debuting here on Monday! Like this if you want to know what it is!

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Totally Free Deals
1/3 of people have no savings for retirement - new article
Added on : Monday August 18th 2014 07:00:06 AM
g: 0 Posted By: cyberfire
Views: 246 Replies: 3 Pretty interesting stats, especially the "60% have less than $25,000" - although they are leaving out potential home equity and pension plans, which may be a substantial amount.

Some highlights:
USA Today said: 14% of people ages 65 and older have no retirement savings; 26% of those 50 to 64; 33%, 30 to 49; and 69%,18 to 29, according to the survey of 1,003 adults, conducted for Bankrate.com, a personal finance website.

....

=14pxOther recent research confirms that many people aren't saving enough for their golden years. About 36% of workers have less than $1,000 in savings and investments that could be used for retirement, not counting their primary residence or defined benefits plans such as traditional pensions, and 60% of workers have less than $25,000, according to a survey of 1,000 workers from the non-profit Employee Benefit Research Institute and Greenwald and Associates.


Full article:
http://www.usatoday.com/story/money/personalfinance/2014/08/18/z...

Shows the importance of saving for sure, but I personally know most of my peers (millennials as well) that fall into the "no savings" bucket.
Discussion Deals
g: 1 Posted By: remick
Views: 179 Replies: 0 http://www.amazon.com/dp/B007S63PS8

New! Revised and expanded edition!
Artisitc composition is where the rubber meets the road...it's the difference between a snapshot and a photograph you would be proud to hang on the wall!

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Introduction
The Fastest Way To Master Your Camera
Light
Make Your Own Softboxes
3 Steps to Stunning Photography!
Elements Of Composition
Composition Defined
Framing Elements
Cultural/Psychological Positioning
Physical Positioning
Visual Framing
Vignette
Shape
Size
Space
Mood
Diagonals
Symmetry/Asymmetry
Shoot From A Unique Vantage Point
Directing The Eye
Leading Lines
Horizontal, Vertical And Diagonal Leading Lines
Photo Exercise 1
The Rule Of Thirds
The Bull's Eye
The Power Points
The Power Lines
Breaking The Rules
Photo Exercise 2

Additional Photo Training
Leading Lines - Leading lines are photo elements that will draw the viewers eye into the photo (and keep it there). Plus, they direct attention to the main subject in the photo and make it "read" the way you envisioned it.
Diagonal Lines - Diagonal lines in a photo are powerful! If you want to denote power and dynamism in your photos, use diagonal lines.
The Rule Of Thirds - The old standby...the rule of thirds is probably the most well known compositional rule. We cover it to be complete. Who knows, maybe this is the first photo book you've read!

And more...And more...And more...
Between the text, sample photos and training exercises - this easy to understand volume will have you comfortable with all the photo composition concepts and shooting better photos in no time.



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Totally Free Deals
Free Kindle Book - The 50 Greatest Bacon Recipes of All Time
Added on : Monday August 18th 2014 05:00:10 AM
g: 0 Posted By: remick
Views: 116 Replies: 0 http://www.amazon.com/dp/B00MQHIIT0

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Totally Free Deals
Credit markets opening back up?
Added on : Sunday August 17th 2014 08:00:07 AM
g: 0 Posted By: Tyoneon2
Views: 90 Replies: 0 Here we go again: stated income loansare back. 0% no-fee BTis back. CC sign-on bonuses are up. Good for us, but what about for the rest of the country? This thread is not meantto discuss specific deals, because those are all well-covered. Just postif you have any opinion of the general state of the credit market, what it means,and where it's headed, or maybe just a quick note about the combined results of a recent AOR compared to a year or two ago. I think it's easier now. My general experience this week:Mini-AORyielded 5 CCs with 10k+CLs instant,onedeferred, one declined. Seven new checking accounts, buttwo arefrozen. Not sure I could have done that 2 years ago. They were busy trying to shut me down.


Discussion Deals
g: 0 Posted By: ctgolfer
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Appliance Deals

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g: 0 Posted By: Klingsor
Views: 0 Replies: 0 LINK

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g: -1 Posted By: MrsF
Views: 156 Replies: 2 Unbroken: A World War II Story of Survival, Resilience, and Redemption - [Kindle Edition] -Laura Hillenbrand(Author)

LINKY: Unbroken: A World War II Book


Price is $ $9.12

Regularly $16.00


From Laura Hillenbrand, the bestselling author ofSeabiscuit,comesUnbroken, the inspiring true story of a man who lived through a series of catastrophes almost too incredible to be believed. In evocative, immediate descriptions, Hillenbrand unfurls the story of Louie Zamperini--a juvenile delinquent-turned-Olympic runner-turned-Army hero. During a routine search mission over the Pacific, Louies plane crashed into the ocean, and what happened to him over the next three years of his life is a story that will keep you glued to the pages, eagerly awaiting the next turn in the story and fearing it at the same time. Youll cheer for the man who somehow maintained his selfhood and humanity despite the monumental degradations he suffered, and youll want to share this book with everyone you know.--Juliet Disparte -The Story ofUnbrokenby Laura Hillenbrand -Eight years ago, an old man told me a story that took my breath away. His name was Louie Zamperini, and from the day I first spoke to him, his almost incomprehensibly dramatic life was my obsession.It was a horse--the subject of my first book,Seabiscuit: An American Legend--who led me to Louie. As I researched the Depression-era racehorse, I kept coming across stories about Louie, a 1930s track star who endured an amazing odyssey in World War II. I knew only a little about him then, but I couldnt shake him from my mind. After I finishedSeabiscuit, I tracked Louie down, called him and asked about his life. For the next hour, he had me transfixed.Growing up in California in the 1920s, Louie was a hellraiser, stealing everything edible that he could carry, staging elaborate pranks, getting in fistfights, and bedeviling the local police. But as a teenager, he emerged as one of the greatest runners America had ever seen, competing at the 1936 Berlin Olympics, where he put on a sensational performance, crossed paths with Hitler, and stole a German flag right off the Reich Chancellery. He was preparing for the 1940 Olympics, and closing in on the fabled four-minute mile, when World War II began. Louie joined the Army Air Corps, becoming a bombardier. Stationed on Oahu, he survived harrowing combat, including an epic air battle that ended when his plane crash-landed, some six hundred holes in its fuselage and half the crew seriously wounded.On a May afternoon in 1943, Louie took off on a search mission for a lost plane. Somewhere over the Pacific, the engines on his bomber failed. The plane plummeted into the sea, leaving Louie and two other men stranded on a tiny raft. Drifting for weeks and thousands of miles, they endured starvation and desperate thirst, sharks that leapt aboard the raft, trying to drag them off, a machine-gun attack from a Japanese bomber, and a typhoon with waves some forty feet high. At last, they spotted an island. As they rowed toward it, unbeknownst to them, a Japanese military boat was lurking nearby. Louies journey had only just begun.That first conversation with Louie was a pivot point in my life. Fascinated by his experiences, and the mystery of how a man could overcome so much, I began a seven-year journey through his story. I found it in diaries, letters and unpublished memoirs; in the memories of his family and friends, fellow Olympians, former American airmen and Japanese veterans; in forgotten papers in archives as far-flung as Oslo and Canberra. Along the way, there were staggering surprises, and Louies unlikely, inspiring story came alive for me. It is a tale of daring, defiance, persistence, ingenuity, and the ferocious will of a man who refused to be broken.The culmination of my journey is my new book,Unbroken: A World War II Story of Survival, Resilience, and Redemption. I hope you are as spellbound by Louies life as I am.From Publishers WeeklyStarred Review. From the 1936 Olympics to WWII Japan's most brutal POW camps, Hillenbrand's heart-wrenching new book is thousands of miles and a world away from the racing circuit of her bestselling Seabiscuit. But it's just as much a page-turner, and its hero, Louie Zamperini, is just as loveable: a disciplined champion racer who ran in the Berlin Olympics, he's a wit, a prankster, and a reformed juvenile delinquent who put his thieving skills to good use in the POW camps, In other words, Louie is a total charmer, a lover of life--whose will to live is cruelly tested when he becomes an Army Air Corps bombardier in 1941. The young Italian-American from Torrance, Calif., was expected to be the first to run a four-minute mile. After an astonishing but losing race at the 1936 Olympics, Louie was hoping for gold in the 1940 games. But war ended those dreams forever. In May 1943 his B-24 crashed into the Pacific. After a record-breaking 47 days adrift on a shark-encircled life raft with his pal and pilot, Russell Allen "Phil" Phillips, they were captured by the Japanese. In the "theater of cruelty" that was the Japanese POW camp network, Louie landed in the cruelest theaters of all: Omori and Naoetsu, under the control of Corp. Mutsuhiro Watanabe, a pathologically brutal sadist (called the Bird by camp inmates) who never killed his victims outright--his pleasure came from their slow, unending torment. After one beating, as Watanabe left Louie's cell, Louie saw on his face a "soft languor.... It was an expression of sexual rapture." And Louie, with his defiant and unbreakable spirit, was Watanabe's victim of choice. By war's end, Louie was near death. When Naoetsu was liberated in mid-August 1945, a depleted Louie's only thought was "I'm free! I'm free! I'm free!" But as Hillenbrand shows, Louie was not yet free. Even as, returning stateside, he impulsively married the beautiful Cynthia Applewhite and tried to build a life, Louie remained in the Bird's clutches, haunted in his dreams, drinking to forget, and obsessed with vengeance. In one of several sections where Hillenbrand steps back for a larger view, she writes movingly of the thousands of postwar Pacific PTSD sufferers. With no help for their as yet unrecognized illness, Hillenbrand says, "there was no one right way to peace; each man had to find his own path...." The book's final section is the story of how, with Cynthia's help, Louie found his path. It is impossible to condense the rich, granular detail of Hillenbrand's narrative of the atrocities committed (one man was exhibited naked in a Tokyo zoo for the Japanese to "gawk at his filthy, sore-encrusted body") against American POWs in Japan, and the courage of Louie and his fellow POWs, who made attempts on Watanabe's life, committed sabotage, and risked their own lives to save others. Hillenbrand's triumph is that in telling Louie's story (he's now in his 90s), she tells the stories of thousands whose suffering has been mostly forgotten. She restores to our collective memory this tale of heroism, cruelty, life, death, joy, suffering, remorselessness, and redemption.
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When the Soul Mends $9.33 @ www.walmart.com
Added on : Sunday August 17th 2014 12:00:07 AM
g: 1 Posted By: jaymanthegreat
Views: 155 Replies: 0 When the Soul Mends $9.33

Format:Paperback,=12px
354 pages
Publisher:Random House Inc
Publish Date:Sep 2008

Book Information:The following content was provided by the publisher.Returning to the home she fled in disgrace, will Hannah find healing for the wounds of the past?
After receiving a desperate and confusing call from her sister, Hannah Lapp reluctantly returns to the Old Order Amish community of her Pennsylvania childhood.
Having fled in disgrace more than two years earlier, she finally has settled into a satisfying role in the "Englischer" world. She also has found love and a new family with the wealthy Martin Palmer and the children she is helping him raise. But almost immediately after her arrival in Owl's Perch, the disapproval of those who ostracized her, including her headstrong father, reopens old wounds.
As Hannah is thrown together with former fiance Paul Waddell to work for her sister Sarah's mental health, hidden truths surface about events during Hannah's absence, and she faces an agonizing decision. Will she choose the "Englischer" world and the man who restored her hope, or will she heed the call to return to the Plain Life-and perhaps to her first love?
"When the Soul Mends" is the third and final book in the Sisters of the Quilt series.

Customer Review:
Nice book, Journey of Healing
I had the chance to read and review "When the Soul Mends" by Cindy Woodsmall. This is the third book in the "Sister of the Quilt" series. I have not read the first two books, but I intend to now after reading the third book. This Amish novel is about a twenty year old Amish girl who needs to find peace and healing to past events that had happened to her in the first two books. After giving birth to a child who dies, Hannah ends up leaving the Old order Amish world to find her aunt who became an Englisher. She then falls in love with Martin and together they take care of his niece and nephew (Kevin and Lissa) who were abandoned by their mother. Returning to her Amish homeland two years later, because of a tragic death, she learns her younger sister is having mental health problems and feels the need to help her. This books takes you through her journey of healing her broken heart and trust issues. Old feelings arise with her ex-fiance Paul and at the end of the book you will see if she decides to return to her Plain life, or if she makes a life with Martin and becomes a family with him, Kevin and Lissa. I enjoyed reading this book and the way Cindy Woodsmall write.
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g: 0 Posted By: StinkPot
Views: 323 Replies: 2 For those who have not availed the 15 off 100 tiger dirct coupon or new signups her is the link. ...discount link will be emailed immediately for next purchase.
http://www.fullofdeals.com/forums/hot-deals/1376104/
Add the following
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Add $15 off 100 (sent to email with new sign up or those who have not availed the same before)
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g: 0 Posted By: StinkPot
Views: 118 Replies: 1 For those who have not availed the 15 off 100 tiger dirct coupon or new signups her is the link. ...discount link will be emailed immediately for next purchase.
http://www.fullofdeals.com/forums/hot-deals/1376104/
Add the following
WD Elements 750GB Portable Drive - USB 3.0, Lightweight, Plug and Play - WDBUZG7500ABK-NESN ($59.99)
http://www.tigerdirect.com/applications/SearchTools/item-details...
Nuance Dragon Naturally Speaking Home 12 Software ($49.99)
http://www.tigerdirect.com/applications/SearchTools/item-details.asp?EdpNo=3329890&csid=_61&rrpl=item_page.content1&rrstr=ClickCP&rrindex=4
Waterproof Bag for SmartPhones - 100% Waterproof, Reuseable, Protects against Water/Dust/Sand/Snow and More (WPH-48/5769) ($9.99)
http://www.tigerdirect.com/applications/SearchTools/item-details.asp?EdpNo=8588711&csid=_61&rrpl=item_page.content1&rrstr=ViewedPurchased&rrindex=0
Add coupon ABJ137680 - takes $10 off
Add $15 off 100 (sent to email with new sign up or those who have not availed the same before)
Total = 59.99 +49.99 + 9.99 + 4.18 (shipping) -$10 - $15 =99.15 20 20 30 10 (rebates) = $10.85 (include stamps and the TD rebates wait time).
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2 Free Audio Books - new Audible customers only
Added on : Saturday August 16th 2014 09:00:09 AM
g: 0 Posted By: jchasan
Views: 225 Replies: 1 2 free audio books on audible - new customers only. Perfect for those long summer driving vacations or driving the kids to college...

https://local.amazon.com/nassau-county
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g: 0 Posted By: timswim78
Views: 203 Replies: 0 For those who missed out on the Amazon deal the other day, hhgregg.com is now offering the PioneerSP-BS22 bookshelf speakers for $59.90 per pair. You can pick them up in-store or get them shipped at no extra charge.

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The site shows $29.95 per speaker, and they are only sold in pairs.
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g: 0 Posted By: timswim78
Views: 0 Replies: 0 For those who missed out on the Amazon deal the other day, hhgregg.com is now offering the PioneerSP-BS22 bookshelf speakers for $59.90 per pair. You can pick them up in-store or get them shipped at no extra charge.
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g: 0 Posted By: ctgolfer
Views: 63 Replies: 0 clip $1 coupon and get free shipping with subscribe & save

Clean and invigorate your pores with these deep cleansing pore strips from BIORE
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12 Pairs Crew Diabetic Socks $13.98 shipped @ Discounted Rack
Added on : Friday August 15th 2014 08:00:02 PM
g: 0 Posted By: ctgolfer
Views: 65 Replies: 0 One Dozen Diabetic Socks

Crew Socks
50% cotton, 45% polyester, 5% elastic

Comfortable and non-binding

Great for those suffering from diabetes, edema, neuropathy, or circulation problems

Available in sock size 10-13fits shoe sizes 9-13
Option of Black and White Color.

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g: 0 Posted By: remick
Views: 170 Replies: 0 http://www.amazon.com/gp/product/B0093GLK56

5.0 out of 5 stars (23 customer reviews)

Family Man: The Art of Surviving Domestic Tranquility is a book for men, about men. Its also a book for women, about men. But dont worry, guys. It doesnt give away all your secrets Just most of them.

Family Man is the kind of book that you can curl up with in a corner and enjoy all day. Its also the kind of book that you can leave in your bathrooms magazine rack to be enjoyed periodically during those special alone times. It might even come in handy in case of a toilet paper emergency. Thats why we made the pages so soft and pliable.

But most of all, this book isnt about just any family, its about your family. And if you call yourself a family man, then you need to read it, or at least your wife needs to read it and tell you whats in it and perhaps hit you over the head with it from time to time. Thats why we made the cover so hard and durable.
Totally Free Deals
Inside the Dark, Lucrative World of Consumer Debt Collection
Added on : Friday August 15th 2014 07:00:07 AM
g: 0 Posted By: NEDeals
Views: 59 Replies: 1 " ...These huge, routine sell-offs have created a vast market for unpaid debts not just credit-card debts but also auto loans, medical loans, gym fees, payday loans, overdue cellphone tabs, old utility bills, delinquent book-club accounts. The scale is breathtaking. From 2006 to 2009, for example, the nations top nine debt buyers purchased almost 90 million consumer accounts with more than $140 billion in face value. And they bought at a steep discount. On average, they paid just 4.5 cents on the dollar. These debt buyers collect what they can and then sell the remaining accounts to other buyers, and so on. Those who trade in such debt call it paper. That was Aaron Siegels business.

It turned out to be a good one. Siegel quickly discovered that when he bought the right kind of paper, the profits were astronomical. "

Full Article
www.nytimes.com/interactive/2014/08/15/magazine/100000003056642....
Discussion Deals
Wegmans' potential listeria contamination issue
Added on : Thursday August 14th 2014 07:00:09 PM
g: 0 Posted By: cga
Views: 146 Replies: 0 I'm not sure if this belongs here or in Off Topic, but I think it deserves some attention, and since it concerns a well known grocery chain, I'm posting the topic here. If it needs to be moved, that's fine.

Recently, some possibly tainted fruit was recalled.Read this article for details.Wegmans sold some of this fruit, which was possibly contaminated with listeria..

I live in the Rochester, NY area and although there are other grocery stores in the area, none compares to Wegmans, so it's the de facto only game in town.

To its credit, Wegmans apparently computer called all of its known customers who were on record, via their shopper's club card, as having bought some of the possibly dangerous fruit, I received one of these calls and finally got around to going to my local Wegmans after getting the call.

What I learned there regarding Wegman's store policy on refunding/crediting customers' for their purchase of the potentially bad fruit truly shocked me. Wegmans is known for being the best super market chain in the country, and also one of the best places to work. For several years, actually. They are generally extremely customer oriented.

What are they doing about the possibly dangerous fruit, which can severaly sicken or even kill? They are offering refunds (with receipt) or store credit to customers who admit they have not eaten the fruit. Now, I had long since eaten all of the fruit, and don't recall getting sick. So she said no refund/credit for you. At that point I admit I lost my cool and raised my voice a bit...something you almost never see/hear happening in a Wegmans.

It seems logical to me that since everyone who bought the possibly tainted fruit ran the same risk of getting sick, everyone deserves a refund or credit. Actually, now that I think about it, maybe those who ate the fruit deserve even more consideration. It seems truly ludicrous to penalize everyone who ate the fruit.

Unless Wegmans issues a public apology (not likely) I'm definitely going to spend more of my grocery money at my local WalMart Superstore, which has a very good super market section.

I felt like bringing this to light, and am hoping others give it a little thought and perhaps express their opinions, even if it's to disagree with mine.


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

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

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

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

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

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

If any of you were in my shoes, what would you do about the conference?
Idea for a part time business
Added on : Thursday August 14th 2014 02:00:07 PM
g: 0 Posted By: atikovi
Views: 110 Replies: 1 Thought of this out of necessity as I have a small warehouse condo with a 16 foot ceiling. How would you access the ceiling lights to change the florescent bulbs or service the heater mounted on the ceiling. Its too high to safely use a ladder. Man lifts are $150 a day plus delivery so for a 10 minute job, not very economical. My idea is to buy a bucket truck for $3,000 to $4,000 and rent it out two or three days a month. There are probably 75 other units in my complex. Id charge like $75 for up to one hour, $15 each additional quarter hour. Id bring it to the location and stay there while they use it. They wouldnt drive it. Id line up 6-8 appointments all on the same day to make around $500. Expenses would be minimal. Hardly any gas expense as I would service those in my complex or those nearby, I could do most any maintenance myself. The truck itself wouldnt really depreciate as it would already be over 10 years old and I would buy it wholesale anyway. My only concern is liability. If someone falls out of the bucket, or they hit something with it causing damage to the property. Would a well worded waiver form address that? Other aspects I'm missing?
Discussion Deals
g: 0 Posted By: remick
Views: 235 Replies: 0 http://www.amazon.com/Marriage-Matters-Extraordinary-through-Ord...

4.6 out of 5 stars (46 customer reviews)

Can Ordinary Marriages Become Extraordinary?

He snapped at her during breakfast. She brought up a past mistake. He walked out angry. She left without saying good-bye. An ordinary day in an ordinary marriage. But what if things could be different? What if the moments that seem the most ordinary moments of annoyance, conflict, pain, or cold indifference could become moments in which you're able to understand God's incredible agenda for love and begin to do something new?

Winston T. Smith, drawing on his extensive experience as a marriage counselor, offers a simple yet powerful prescription for changing your marriage. He shows how examining the everyday disappointments and irritations in your marriage will help you understand yourself, your spouse, and your need for God's love. Change begins with seeing day-to-day interactions from a different perspective, taking simple steps to love one another more effectively, and then learning how to take those steps over and over again. Interactions that used to devolve into pointless annoyances and fights can become an opportunity for God's activity and love to become increasingly evident and powerful.

The principles in this book will take your marriage to extraordinary places and lead you into a deeper relationship with an extraordinary God. Don't settle for an ordinary marriage, learn to live out God's extraordinary love in your most intimate relationship.
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Craftsman 3 pc. Pliers Set, Mini Box-Joint $8.09 @ Sears
Added on : Thursday August 14th 2014 06:00:18 AM
g: 0 Posted By: ctgolfer
Views: 187 Replies: 0 This versatile mini pliers set is perfect for those hard-to-reach precision jobs. These box-joint pliers feature durable carbon-steel construction and comfortable soft-grip handles.
Set includes box-joint mini long nose Pliers, box-joint mini diagonal cutter Pliers and box-joint mini needle nose Pliers.

www.sears.com/craftsman-3-pc-pliers-set-mini-box-joint/p-0094567...
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g: 0 Posted By: kranky
Views: 0 Replies: 0 A company called OnDot has developed a system that lets you use your smartphone to turn your card on and off, limit the types of locations where it can be used, and the dollar amount of purchases by single purchase, weekly or monthly use. Card issuers choose whether to offer the service but OnDot says it has partnered with four of the top ten processors and over 10,000 institutions. You'll also be able to limit card use to a specific radius of your smartphone location. And you turn all those controls on or off with your phone.

Product page http://www.ondotsystems.com/products/control

Leave your card at the bar? Just turn it off instantly.
The card you give your child when going off to college could be restricted to use at grocery stores and gas stations only.
Works for credit, debit and prepaid cards.

This seems like a solid idea for reducing fraud.
g: 0 Posted By: tedhawkins
Views: 192 Replies: 0 the north face Stria Mezzaluna Hoodie - Women's $39.95 Usoutdoor Fs on $40+

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

The Stria Mezzaluna Hoodie from the north face is perfect for those cool evenings sitting outside the cabin, gazing at the sunset. The breathable Polartec Stria material makes this hoodie lightweight and just warm enough.
Features of the the north face Stria Mezzaluna Hoodie - Women's

Fabrics/Materials: Polartec Stria, 100% 200-weight Polyester
Weight: 380g
Pockets: 2 front hand pockets
Hooded: yes
Fit: relaxed
Zipper: front zip closure


The North Face Deals
Stargate Atlantis: The Complete Series (Blu-ray) - $59.96 + FS @ Walmart
Added on : Wednesday August 13th 2014 09:00:02 AM
g: 0 Posted By: shadowstriker
Views: 66 Replies: 0 WalMart has Stargate Atlantis: The Complete Series (Blu-ray) on sale for $59.96 with free shipping.

4.3/5 stars based on 447 customer reviews here from Amazon, where this is currently $113.08.

Received an 8.1/10 at IMDb.

So those of you that missed it like me, It'sBack again only 5.00 more than yesterday!
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Amazon Local Register (card reader) - $10 w/$10 credit & 1.75% fee
Added on : Wednesday August 13th 2014 06:00:08 AM
g: 0 Posted By: dboston1
Views: 212 Replies: 1 Similar to Square or the PayPal reader. Limited time offer of $10 off the first $10 in transaction fees, and 1.75% swipe fee through 2015.

Link

Might be useful for those desperate to hit minimum spending bonuses on CCs, or for those liquidating AGCs..
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Battlefield 3 + Premium 70% off at Origin
Added on : Tuesday August 12th 2014 04:00:04 PM
g: 0 Posted By: sswu
Views: 257 Replies: 0 Origin link

This is a good opportunity for those who got Battlefield 3 for free afew months ago. The Premium Servicepack is on sale for $8.99.

"Battlefield 3 Premium includes expansion packs Back to Karkand, Close Quarters, Armored Kill, Aftermath, and End Game. If you buy Battlefield 3 Premium, these should be accessed through the Battlefield 3 Game Details page on Origin at no extra charge. *Requires Battlefield 3 to play."

For those who don't have the base game yet, you can get the Premium Editionfor $11.99 which includes both the base game and the Premium Service pack. The base gameis also on sale for $5.99 by itself.

Don't forget FW Cash Back.
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Origin powered by EA Coupons
g: 0 Posted By: jasclark
Views: 160 Replies: 1 http://www.staples.com/Chef-Buddy-Non-Stick-Grill-and-Panini-Pre...

Reg : $84.99PRODUCT DETAILSThe Chef Buddy's Non-Stick Grill and Panini Press is perfect for taking boring meals and making them gourmet in just minutes!Take that boring turkey and cheese sandwich and give it just 5 minutes in the Chef Buddy Non-Stick Grill and Panini Press. Now you are looking at a tasty treat with crispy edges, crunchy bread, steaming meat and melted cheese. Doesn't that sound better than scraping the soft bread off of the roof of your mouth? Why else would all the major sandwich chains offer you toasted sandwiches these days? Well now for the cost of only a few of those fast food sandwiches you can make them at home for years to come, with truly fresh ingredients that you saw cut. Not meats and veggies that have been setting out all day and who knows how many days before that. But wait, there's more! The Chef Buddy? Non-Stick Grill and Panini Press also grills meats. Perfect for ham steaks or sausage patties for breakfast, along with pork chops for dinner or throw a chicken breast in there and chop it up for a great lunch salad.

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Madden 25 (Xbox 360) $17.99 at Walmart.com
Added on : Monday August 11th 2014 11:00:05 AM
g: 2 Posted By: hilltown
Views: 226 Replies: 0 I know the new Madden is about to come out, but I believe $17.99 is close to the lowest price ever for Madden 25. (It's $24.75 at Amazon). For those of us who wait a year before buying games to allow the price to drop, now might be the time to pull the trigger.

Reminder: WalMart ships to store for free.

Link to Walmart.com
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Walmart Coupons
g: 0 Posted By: remick
Views: 0 Replies: 0 http://www.amazon.com/gp/product/B007SNRHSU

Revised Edition with even more illustrations!
Posing Mastery IS within your reach! It is really easy once you learn and understand the basic silhouette shapes that lead to all the posing variations!!

Sitting and Kneeling poses offer a lot of challenges... and opportunity. After you've checked out this simply written, easy to read - easy to understand - course volume, you will totally understand how to pose your models so that they will look their best!
For a sample of what is covered, here is the Table Of Contents:

Introduction

Posing Overview And Review

The Overall Shape - Groups

The Pyramid

The Diamond

The Diagonal

The Overall Shape - Individuals

The "I" Pose

The "C" Pose

The "S" Pose

The Zig Zag

Sitting and Kneeling

It's The Angles That Matter

Perpendicular Lines Vs. Non-Perpendicular Lines

The Four Basic Sitting and Kneeling Silhouettes

The Geometric Pose

The Acute Angle Pose

The Obtuse Angle Pose

The Mixed Angle Pose

Lying Down

Mixed Posing Silhouettes

The Modified "I"

The Modified "C"

The "S" In Lying Down Poses

The Photo Notebook

Here Are A Couple More Samples

Photo Exercise

How To Improve Your Photography

Additional Photo Training

In this volume, we learn the Zig Zag pose - this is the basic silhouette that leads to all the various sitting and kneeling options.

Four Basic Sitting and Kneeling Silhouettes - Here is where we go into the various angles ...90 degrees, acute and obtuse that are used to create all those stunning portraits you see. Before you know it, you'll be making them too!
Check out this volume and in an hour or so, you will never look at sitting and kneeling poses the same way again!
Best ways to make money while traveling the world
Added on : Sunday August 10th 2014 09:00:09 AM
g: 0 Posted By: eddierd
Views: 32 Replies: 0 Permanently traveling the world sounds like it could quickly drain your finances. But for Derek Earl Baron, 37, founder of wanderingearl.com, it was the most lucrative decision of his life. Hes been on the road for 5,268 days over 14 years visited 88 countries, and worked 10 different jobs.After graduating college, Baron was only planning to travel for three months before buckling down to start his career in sports management. But a week into his trip, he decided corporate life wasnt for him.In just that one week I had so many life-changing travel experiences, that [I thought] there must be so many more of those experiences out there in the world. I decided that I couldnt go back, Baron told Yahoo Finance. Determined to make a living while on the road, he was able to find money-making opportunities that allowed him to save money while seeing the world.Article Continues: http://finance.yahoo.com/news/how-i-saved--24-000-while-travelin...
Discussion Deals
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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My Company doesn't pay my variable bonus at the time of relieving.
Added on : Saturday August 09th 2014 07:00:10 AM
g: -1 Posted By: AjayKumarNanna
Views: 36 Replies: 0 I had a contract of 2 years & after completion of m 1st year My salary was revised to 3,60,000 out of which 3,36,000 was fixed salary & remaining 24000 was variable bonus which would be payed upon the performance of company & individual. My company did well & so do I, But mean while I got very good offer where I have a chance of learning so much while I work, So I resigned here & My notice period was 2 months.

On My last day at company, I had to collect all my certificates & I asked my HR to pay my variable bonus to me, but He denied. He told me that Variable bonus would be paid for only those employees who stay working & on completion of term from the day when my salary got revised to next appraisal date. I'm leaving this company two months earlier than the company appraisal time. But I'm arguing with my HR that this not legal & I have to get my bonus for my work.

I had contacted my ex-colleague who left 1 month back from this company to know whether He got his variable bonus paid. Company paid his bonus to him & we both had our salaries revised on same date, so basically he left 3 months early & he got his bonus, so why cant I ?

I'm feeling very bad, I got feeling like, of my 2 years of service I always worked to make profits to company but now my company is playing with me

I need help, Kindly Please suggest me what to do......
Question Deals
g: 0 Posted By: remick
Views: 78 Replies: 1 ULTIMATE Leonardo da Vinci Artwork Collection! 200+ Paintings, Drawings, Inventions, Portraits, Virtual Fine Art Museum
http://www.amazon.com/gp/product/B00A7YP70W

Leonardo da Vinci Artworks!
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Leonardo da Vici was born on 15 April 1452 in the town of Vinci, the illegitimate son of the notary Ser Piero da Vinci and a peasant woman called Caterina. His childhood spent in the Tuscan countryside inspired in him a life-long passion for the observation and depiction of nature.When he was seventeen, he moved to Florence, where his talent for drawing impressed the great master Verrocchio who took him on as a pupil.Leonardo da Vinci worked for such powerful patrons as Ludovico da Sforza, Duke of Milan; Cesare Borgia; Cardinal Giuliano de Medici, brother of Leon X; and for the French king Francois I at Amboise, where he died in 1519.

It has become fashionable to speak of 'Leonardo the artist' and 'Leonardo the scientist' as if he had been some schizophrenic genius torn between two disparate pursuits and therefore rarely, if ever, able to accomplish anything in either. But Leonardo's own contemporaries, though impatient of his volatility, master himself such a dichotomy would have been incomprehensible. To say that as 'a man of the Renaissance' he believed that a painter needed the aid of anatomy, perspective, optics and so forth is not a proper answer. In fact, these alleged 'scientific' studies of Renaissance artists were a fashion confined to a small circle. In any case, Michelangelo and Raphael to name only two outstanding examples - did not share these interests but were great artists nonetheless. Leonardo's inquiries were rooted in his personality, not in some tendency of the age, and many of his notes and drawings having nothing to do with the tasks awaiting painters of his time. They are not a vast store from which to draw raw materials for his art, nor was his art simply a finely distilled compound of observations and imagination.
In fact, many of Leonardo da Vinci's drawings are different from those of his contemporaries and those by artists from any other period. Of course, there are among them rapid sketches from life, portraits, quick notes for compositions, elaborate cartoons, drapery studies, designs for machines, buildings, drawings of plants and animals, anatomical and proportion studies. But it is their nature which is so often peculiar. The plans of buildings grow before our eyes like the cells of some organism, plants appear on the same sheet both in bud and in flower, trees are drawn schematically to demonstrate the principle of growth, there is a drawing of the peaceful Arno valley, and there are the cataclysmic visions of utter physical destruction of the world. The grotesque heads - to call them caricatures is a misnomer - are combinations and variations of human forms creating a morphological sequence of types. The anatomical drawings demonstrate not only the position of muscles and tendons or the bone structure, they also show the embryo in its mother's womb and a bare skull, - the beginning and end of life. All these drawings are concerned not just with the collection of visual data useful to the painter but with the processes of life, with growth and decay, whether in plants, beast, man, or the world at large. The same is true of Leonardo's designs for his various mechanical contrivances which are so often engines of construction or destruction.

Leonardo da Vinci's notes should be considered in the same context. It is perhaps a pity that we have got used to thinking of them as if they had been written in preparation for some comprehensive treatise on painting. But it should be remembered that the huge manuscript known as Trattato della Pittura is not a autograph. It was compiled in the sixteenth century, probably by Francesco Melzi, from no less then eighteen of the original notebooks. The result certainly is a labor of love, but nevertheless this gathering divided into eight chapters is too rigid, too much like a textbook to reveal Leonardo da Vinci's truly dynamic nature...




Ultimate Salvador Dali Collection: Modern Art from the Famous Creator
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335 Salvador Dali Paintings !!!
Complete Works from 1925 to 1983!
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Salvador Domingo Felipe Jacinto Dal i Domnech, 1st Marqus de Dal de Pubol (May 11, 1904 January 23, 1989), known as Salvador Dal (Catalan pronunciation: [səɫβəˈo əˈɫi]), was a prominent Spanish surrealist painter born in Figueres, Spain.

Dal was a skilled draftsman, best known for the striking and bizarre images in his surrealist work. His painterly skills are often attributed to the influence of Renaissance masters. His best-known work, The Persistence of Memory, was completed in 1931. Dal's expansive artistic repertoire included film, sculpture, and photography, in collaboration with a range of artists in a variety of media.

Dal attributed his "love of everything that is gilded and excessive, my passion for luxury and my love of oriental clothes" to a self-styled "Arab lineage", claiming that his ancestors were descended from the Moors.

Dal was highly imaginative, and also enjoyed indulging in unusual and grandiose behavior. His eccentric manner and attention-grabbing public actions sometimes drew more attention than his artwork, to the dismay of those who held his work in high esteem, and to the irritation of his critics.

In 1931, Dal painted one of his most famous works, The Persistence of Memory, which introduced a surrealistic image of soft, melting pocket watches. The general interpretation of the work is that the soft watches are a rejection of the assumption that time is rigid or deterministic. This idea is supported by other images in the work, such as the wide expanding landscape, and other limp watches shown being devoured by ants.




Ultimate Tribal Tattoo Designs: Abstract Ideas, Dragon Girls, Art Patterns, Shop Studio, Men and Women, Pictures with Meaning
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900 Amazing Tribal Tattoo Designs 700 X 700!

Tattooing has been practiced for centuries in many cultures, particularly in Asia, and spread throughout the world.[citation needed] The Ainu, an indigenous people of Japan, traditionally had facial tattoos. Today, one can find Atayal of Taiwan, Berbers of Tamazgha (North Africa), Hausa people of Northern Nigeria, Kurdish people in East-Turkey, and Māori of New Zealand with facial tattoos.

Tattooing was widespread among Polynesians and among certain tribal groups in Africa, Borneo, Cambodia, Europe, Japan, the Mentawai Islands, MesoAmerica, New Zealand, North America and South America, the Philippines, and Taiwan. Indeed, the island of Great Britain takes its name from tattooing; Britons translates as "people of the designs", and Picts, the peoples who originally inhabited the northern part of Britain, literally means "the painted people". Despite some taboos surrounding tattooing, the practice continues to be popular in many parts of the world.

Tattooing has been a Eurasian practice at least since Neolithic times. tzi the Iceman, dating from the fourth to fifth millennium BC, was found in the tz valley in the Alps and had some 57 carbon tattoos consisting of simple dots and lines on his lower spine, behind his left knee, and on his right ankle. These tattoos were thought to be a form of healing because of their placement, which resembles acupuncture. Other mummies bearing tattoos and dating from the end of the second millennium BC have been discovered, such as the Mummy of Amunet from ancient Egypt and the mummies at Pazyryk on the Ukok Plateau.

Pre-Christian Germanic, Celtic and other central and northern European tribes were often heavily tattooed, according to surviving accounts. The Picts were famously tattooed (or scarified) with elaborate, war-inspired black or dark blue woad (or possibly copper for the blue tone) designs. Julius Caesar described these tattoos in Book V of his Gallic Wars (54 BC).

Various other cultures have had their own tattoo traditions, ranging from rubbing cuts and other wounds with ashes, to hand-pricking the skin to insert dyes.

Modern tattooing in the Western world has its origins in sixteenth through eighteenth century maritime expeditions, which promoted contact between explorers and the amerindian tribes and Polynesians they encountered. The Polynesian practice, especially, became popular among European sailors, who took the Samoan word tatau to describe the actual tattoo. As sailors traveled abroad and returned home with tattoos inscribed on their bodies, tattoos began to appear in mainstream European, and eventually North American, figurations, as well.

As many tattoos were stimulated by Polynesian and Japanese examples, amateur tattoo artists were in great demand in port cities all over the world, especially by European and American sailors. The first documented professional tattoo artist in the USA was Martin Hildebrandt, a German immigrant who arrived in Boston, Massachusetts in 1846. Between 1861 and 1865, he tattooed soldiers on both sides in the American Civil War. The first documented professional tattooist in Britain was established in Liverpool in the 1870s. Tattooing was an expensive and painful process and by the 1870s had become a mark of wealth for the crowned heads of Europe.
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g: 0 Posted By: ctgolfer
Views: 85 Replies: 0 Seller : sleepwithmemoryfoam2night

This mattress has an open, memory foam cell structure that allows cool air to displace warm air
Topped with a 2.5-inch, 4-pound, 'Cool Wave' memory foam layer
The top Cool Wave Visco Memory Foam layer has a wavy texture. This is part of the cooling system.
The middle, 3-inch core foam support structure contains thousands of air-flow ducts to distribute cool air throughout the mattress, allowing the mattress to remain cool despite your body heat
The 4.5-inch high-density base foam helps conform to your body and eliminates the uncomfortable pressure points and motion transfer
Naturally hypoallergenic and antimicrobial
Features a soft yet supportive firmness for those who prefer a more cushioned mattress
Generated through a specialized process which eliminates impurities and utilizes one of the more eco-friendly foaming methods available
This NASA-inspired mattress never needs turning and can be used with any existing box springs or platform bed
Overlaid with a non-flammable treated fabric
Includes two FREE Memory Foam Contour Pillows in Full, Queen, King, Cal King size 20"x14"x4", TWIN COMES WITH ONLY 1 MEMORY FOAM PILLOW. Pillows measure 20" x 14" x 4"
Mattress cover is machine washable
Includes free Quilted Mattress cover which arrives already on the mattress
Vacuum-packed for convenient shipping; expands to potential size within 72 hours
Due to the nature of Memory Foam the firmness level of every item is unique. Please be advised that even similar products may produce different firmness results.





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DIY Cardboard Google Glass kit $7.99 with free shipping @ AuraBuy
Added on : Friday August 08th 2014 10:00:04 AM
g: 0 Posted By: rendition
Views: 175 Replies: 0 This is "Google Cardboard" and yes it has a legitimate app accompanying from google for android devices. This is a low budget version of google glass for those who don't want to pay $1500 for Google's Oculus Glass.
Basically this is a stereograph kit and you download the app for your android device directly from google's developer site.
.
$7.99 with free shipping. Currently the best price on the internet for this kit.

product page:
http://www.aurabuy.com/diy-google-3d-glasses-cardboard-virtual-r...

google's own cardboard glass information site with app:
https://developers.google.com/cardboard/
Electronics Deals
Fios Customers - Free Encore, Starz and Cinemax this weekend
Added on : Friday August 08th 2014 08:00:09 AM
g: 1 Posted By: Usorry
Views: 91 Replies: 0 The promo runs from Aug 8-11. Set your DVRs to snag some free movies if you don't already subscribe to those channels
Totally Free Deals
Methodology used to calculate FICO scores changing
Added on : Thursday August 07th 2014 08:00:04 PM
g: 0 Posted By: brettdoyle
Views: 67 Replies: 0 A change in how the most widely used credit score in the U.S. is tallied will likely make it easier for tens of millions of Americans to get loans.

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

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

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

FICO Recalibrates Its Credit Scores

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

Paying off a collection may actually make sense now that it won't have an impact on your score... this may be useful for people negotiating debts in a situation where the creditor refuses to remove the tradeline.
Credit Deals
Broken Headphones - Amex Purchase Protection
Added on : Thursday August 07th 2014 06:00:04 PM
g: 0 Posted By: KingKyozu
Views: 109 Replies: 2 Hi, this is my first time posting on the forums even though I have been reading here a lot.

I bought some Bluetooth headphones on Amazon and they broke when I was on the second floor. The headphones slipped out of my head and broke on the floor of the first floor. I bought it with my Blue Cash Everyday. I know I have purchase protection, will Amex fix the headphones or give me credit?
I loved those headphones, it costed $140. They were a Jabra Bluetooth Headphones. Do I have to ship the headphones to them and then they give credit to buy another one? Please help.
New User Question Deals
Office Depot B&M Energizer 2 AA Rechargeable Batteries w/ Charger $3
Added on : Thursday August 07th 2014 06:00:02 PM
g: 0 Posted By: GonePlaid
Views: 110 Replies: 0 My local SoCal Office Depot has Energizer NiMH rechargeable batteries on sale for deep discounts (maybe clearance but the sign said sale).

Energizer Recharge Basic + (2) AA NiMH batteries:
http://www.officedepot.com/a/products/882614/Energizer-Basic-Cha... - $3.31 (from $8.29)
(8) AA NiMH batteries (2300mAh for those who are interested):
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Plus other charger and batteries on sale.
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Publix Back to School Sale
Added on : Thursday August 07th 2014 04:00:05 PM
g: 0 Posted By: alpos
Views: 165 Replies: 0 For those who like to shop at Publix, this is a deal you might find usefulhttp://weeklyad.publix.com/Publix/BrowseByPage/Index/?StoreID=25...

In Store Promos Deals
g: 0 Posted By: ctgolfer
Views: 186 Replies: 0 Not your average outerwear, the comfort, durability and fit of these Nano-Fleece hoodies and pullovers from Dri Duck is tip-top. Made of 6.5 oz., 100% polyester nano-fleece, Dri Duck fleeces feature a 2-side brushed and 2-side anti-pill finish. The brushed fabric gives it a superb, supple softness, while the anti-pill finish keeps it looking like new. After repeated wash and wear, it wont develop those unsightly little fabric balls. Not only is it incredibly soft and warm, its also durable thanks to overlock stitching. Whether on a cool autumn or spring night, at the beach, in the field, or as a winter layer, its comfort fit rains down coziness on thy corpus from Jump Street. Theres no breaking-in period. Plus, the fabric banded cuffs and bottom hem provide a snug fit around the extremities to help keep the elements from sneaking in. That means you can move and bend like the hardest working man in showbiz without fear of an uninvited draft greeting your defenseless skin.

Dri Duck outdoor wear is highly functional, extremely durable, and exquisitely comfortable. All Dri Duck gear boasts top-notch styling, innovative fabrics, rugged materials, and the ultimate in craftsmanship. Years ago, Dri Duck began life manufacturing work jackets and caps out of the durable, cotton canvas known as ""duck"" cloth. Although originally designed for men working on farms and ranches, construction crews, and railroads, the move to produce apparel for hunters and outdoorsmen was a natural evolution. All Dri Duck products are outdoor-inspired and made from performance fabrics. Take a spin in these quality fleeces, jackets, and shirts at a pittance of the normal prices. 4 days only.

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g: 0 Posted By: remick
Views: 276 Replies: 0 http://www.amazon.com/dp/B00B853QCK
4.3 out of 5 stars See all reviews (56 customer reviews)

It's no secret that men and women are different. And it's no secret that they don't always get along because of these differences, even when they love each other. But having a successful marriage is not about finding the perfect person to marry. It's about loving someone in an unselfish, Christlike manner. Whatever we want out of marriage--unconditional love, forgiveness, passion--that is what we have to give to our spouse. Rick Johnson shows couples how to go beyond merely tolerating each other's differences to using those God-given differences to add spice and passion to their relationship.


also free

How to Set Boundaries in Your Marriage Speak Your Mind and Help Your Partner Understand Your Feelings and Enjoy a Healthy Happy Marriage
http://www.amazon.com/dp/B00IBLXN1I
4.7 out of 5 stars See all reviews (13 customer reviews)


Relationship Rescue: Proven Strategies to Rescue Your Relationship For Good
http://www.amazon.com/Relationship-Rescue-Strategies-Happiness-C...
4.7 out of 5 stars (9 customer reviews)
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Silicon protector for iPhone 6 4.7" $4.99 free shipping @ AuraBuy
Added on : Wednesday August 06th 2014 09:00:08 AM
g: 0 Posted By: rendition
Views: 192 Replies: 0 Get a jump on accessories for the iPhone 6 4.7" model coming out soon with this nice looking silicon protector. Your choice from 9 colors. All have black surrounds and look really good. It fits the contours of the upcoming phone and its buttons to keep everything protected and still fully functional. This is ideal for those whom want to have something ready right when they purchase the phone when it comes out.

$4.99 with free shipping

http://www.aurabuy.com/sgp-protective-pc-silicone-back-case-cove...

Cell Phones Deals
Over $200 worth of Square Enix games for $29.99
Added on : Wednesday August 06th 2014 08:00:01 AM
g: 0 Posted By: eauw
Views: 39 Replies: 0 For those of you who missed the original deal, this is still decent:

This bundle includes:

Thief Gold
Mini Ninjas
Daikatana
Hitman: Codename 47
Hitman 2: Silent Assassin
Anachronox
Deus Ex: Invisible War
Deus Ex: The Fall
Hitman: Absolution
Hitman: Blood Money
Hitman: Contracts
The Last Remnant
Battlestations Midway
Just Cause
Nosgoth Veteran Pack
Deus Ex: Human Revolution Director's Cut
Just Cause 2
Lara Croft and the Guardian of Light
Deus Ex: Game of the Year Edition
Kane & Lynch 2: Dog Days


Linky:
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Two (2) NCAA Fleece Hoodies - $40.00 @ Finish Line
Added on : Wednesday August 06th 2014 03:00:03 AM
g: 1 Posted By: ShoppingChick
Views: 199 Replies: 0 ​Finish Line has Two (2) NCAA Fleece Hoodiesfor only $40.00 (price is shown in cart). Shipping adds $8.48 for the two items and an additional $2.99 for each item. Offer starts today and expires 9/20/2014.

Great college gift for those recent graduates heading off!
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Finish Line Coupons
g: 0 Posted By: ctgolfer
Views: 101 Replies: 0 Item Description
Tuned for Accentuated Bass Performance:Think new genres of music fall flat on a pair of conventional headphones? Thats why Denon created Urban Raver headphones.

Lets face it, contemporary formats of music like techno, trance, hip-hop, drum n bass, etc. demand a different type of tuning to deliver the level of performance that you heard at the club last night. Getting explosive bass performance and slightly enhanced treble (so you can hear the subtle rhythms of the high hat) is important for the overall experience.


Denons 40mm dynamic drivers professionally tuned for accentuated bassenon engineers have incorporated 40mm dynamic drivers in each ear piece and professionally tuned these to provide an accentuated bass experience, so you can feel the music like never before.

Designed for those who set the trend, not those who follow itenons Urban Raver AH-D320BU On-Ear headphones are specifically designed for those who set the trend, not those who follow it. Featuring eye-catching color combinations and a sculpted design these headphones are unique, just like you. From the vibrant blue accent color to the patent-pending Denon control wheel, your friends will be sure to ask you in surprise WHAT ARE THOSE? You may not hear them though.

Be Cool, Calm and Collected, thanks to Denons Integrated On-ear Controls and Microphones:

Ever seen that guy or gal fumbling for their in-line remote on their headphone cable to control their iPhone or enhance their clarity of conversation? Imagine not having to be that person. Denon Urban Raver Headphones feature Denons patent-pending control wheel on the ear for easy control of Apple iPhone, iPod, or iPadTM, and integrated microphones on the ear for crystal clear call and voice recognition clarity. The Denon control wheel mimics the operation of a conventional rotary control. To turn the volume up, simply rotate the Right control wheel gently towards the front of your face. Volume down? Rotate the Right control wheel to the rear. Press the center of the right control wheel to play / pause the music or when you answer a telephone call.


Feel the Music. Not Your Headphones:At Denon they believe you should feel the music, not your headphones. In a quest to provide the most comfortable, best fitting headphones, Denons engineers have studied over 4,000 pairs of ears from people around the world, to come up with a design that automatically accounts for the subtle differences in ear placement, ear canal size, head size and jaw depression. Denon knows that fit and comfort comes from paying attention to the small details. Think about it your ears arent round, so why settle for round ear pads? Denons patent-pending Pentagonally-shaped memory foam ear pads provide the ultimate in comfort for long trips, while the 2-axis ear cup design, adjustable headband and over the ear headphone provide for a perfect , custom fit. Denons Urban Raver AH-D320BU On-Ear headphones include a 3-foot audio cable, and a carrying pouch with Karabiner for easy portability.

Denons Club App, for iPhone, iPad or Android, enhances your experience.

The Denon Club App was designed to enhance your listening experience with Denon Urban Raver Headphones. Customize your listening experience by creating, storing, and sharing custom EQ curves and features a real-time spectrum analyzer. Settle disputes about what your favorite artist is singing about by accessing song lyrics from the audio player with the touch of a button. Create and store custom playlists. Enjoy over 70,000 internet radio stations worldwide via TuneIn Internet Radio service. Automatically update your Facebook/twitter status so your followers know what youre up to. Denon Urban Raver Headphones and the Denon Club App provide the perfect combination.


www.ebay.com/itm/370932331725
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g: 0 Posted By: Xenocrates
Views: 118 Replies: 0 MOTOROLA SB6141SURFboard DOCSIS 3.0 Cable Modem + Free Tp-Link N300Wireless N Router- $89.99 AC FS @ Newegg

Coupon Code:EMCPBPE45 - Free Tp-Link N300 Router

Note: The modem is regular price, this is a deal for those who need a router in addition to their modem purchase.

SB6141 received 5 / 5 Eggs (Stars) with 326 Customer Reviews on Newegg
N300 received 4 / 5 Eggs with 334 Customer Reviews

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g: 0 Posted By: ctgolfer
Views: 93 Replies: 0 Quick and Easy Setup in Minutes!

Simply replace the current wall console of your existing Craftsman garage door opener with the new AssureLink Motion Detecting wall console
Connect the AssureLink Gateway to your internet router
Setup your AssureLink account on-line and then download the free app from your smartphones app store

Kit IncludesCraftsman AssureLink Internet Gateway

Allows you tomonitor andoperate your garage door from anywherewith your internet-enabled smartphone,laptop, or tablet via the Free Craftsman AssureLink mobile app or web-interface.
Connects to your internet router to enable communication to and from the garage door opener
Perfect for those times when you are away from home and cant remember if you have closed your garage door.
Allows you to provide access to your home (via garage door) as needed for family, friends, deliveries, etc. when you arent at home.

Multi-Function Motion Detecting Wall Console

Multi-function console allows for operation of the opener from inside the garage, turns opener lights on and off, lock/vacation button to lock out remotes when away from the home for extended periods of time
Turns on the opener lights when movement is sensed in the garage
FeaturesTimer-to-Close

This feature (built into the wall console) may be quickly programmed toautomatically close the garage doorafter 1, 5, or 10 minutes

FeaturesAlert-to-Close

Ensures thehighest level of safety, the garage door opener lights will flash and a warning alarm will sound when closing the door through the AssureLink Gateway or the Timer-to-Close feature alerting anyone in the area is notified that the door is closing.


Set and Receive Automatic Alerts - Anytime, Anywhere

Set and receive notification vial e-mail and/or smartphone push notification when the status of your garage door changes
Multiple alerts can be configured at one time and customized to your needs

Included in the box:

Multi-Function Motion-Detecting Wall Control
AssureLink Gateway
3 ft. Ethernet cable
Power cord
Owners Manual

1-year Limited Warranty

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Single vs. Dual vs. Multiple Entry Visa
Added on : Tuesday August 05th 2014 06:00:05 PM
g: 0 Posted By: fr
Views: 35 Replies: 0 If they are all the same cost, is there any reason not to apply for a multiple-entry visa? Is it harder to get one of those for some countries? Why would I just limit myself to one entry for the same price?
Discussion Deals
g: 0 Posted By: remick
Views: 138 Replies: 0 http://www.amazon.com/dp/B008UUII60/

These are the letters my father wrote to my mother during his experiences as a navigator and bombardier on the B-26 Marauders during World War II. [397th Bomb Group, 598th Bomb Squadron]

5.0 out of 5 stars A Slice of Life As It Was August 17, 2012
It turns out that violinist Connie Sunday is also talented in literature. She took letters that her father wrote to her mother during World War II that powerfully illustrate the way thousands of soldiers must have thought about their wives and families back home. Connie does an excellent job of editing and focusing those letters. You sense her father's fears that he would not be able to keep their love alive from afar. The writing is simple and clear and for that reason, powerful. You have to piece the contents of his wife's letters back to her husband by his comments--her letters no longer exist. This book profoundly illustrates how little us human beings change over the centuries. A very good read.
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g: 1 Posted By: DaysFan
Views: 196 Replies: 2 http://www.qvc.com/LG Tracfone Prepaid Cell Phone w/ 1500 Minutes & Protection PlanRetail Value: $249.99QVC Price: $88.00Today's Special Value Price:$71.97Good until August 6, 2014 2:59 a.m. ETFree ShippingLooking for the convenience of a mobile phone without the hassle of a monthly plan? Set yourself free from contracts and enjoy calls, text, email, and the Web with the LG306G prepaid TracFone.

Why deal with the fuss of fees, monthly bills, and replacement costs? The LG306G offers everything you want and need in a phone--like built-in Wi-Fi for Internet and email--but without a contract to tie you down. And of course, you can call, text, and send pictures, too--in fact, a 1,000-contact phone book makes it easy to store those important names and numbers.

The included accessories let you get even more out of your TracFone. A phone cover in your choice of colors keeps the LG306G protected while showing off your personality. The car charger keeps you powered up during road trips, so you'll never be out of reach.

And don't forget the 1,500 minutes/one year of service that's included--once you're set up, you've got plenty of minutes to use right away for talking, texting, and data. Triple minutes for life lets you get more mileage out of all future TracFone minutes you purchase. Plus, you also get the Wireless 4 Life replacement plan which means you can replace your phone if it is lost, stolen, or damaged--and you will always have the LG306 or a comparable phone.

From LG.

Your phone must be activated within 60 days from the order date in order to redeem the promotional minutes.

Wireless capability may require a network connection, accessories, and/or a service fee. Use of Bluetooth technology may require software and accessories.

Please consult the manufacturer's documentation regarding the safe and proper use, handling, storage, charging, and disposal of products containing lithium-ion batteries.

Includes LG306G TracFone with pre-installed 4GB microSD card, AC adapter, car charger, phone cover, Wireless 4 Life premium protection plan, and 1,500 minutes for one year
Compatible with GSM 3G networks
TracFone operating system
3.2" diagonal capacitive touchscreen display with 240x320 resolution
256MB internal memory
802.11b/g Wi-Fi
Bluetooth 2.1+EDR wireless technology
2 megapixel rear-facing camera with video recording, 1600x1200 resolution, continuous shot, night mode
Supports many audio, video, and image files
Limited Web browser
Email
Text, picture, video, and voice messaging
TracFone game and app store; not compatible with Android apps
Preloaded tools: 1,000-contact phone book, alarm clock, calendar, notepad, tasks, calculator, tip calculator, stopwatch, and unit converter
1,500 mAh battery
microSD memory card reader
Micro USB port
Measures approximately 4"L x 2-1/2"W x 3/8"D; weighs 3.72 oz
Cannot ship to Guam, PR, VI, P.O. Boxes
CSA listed adapter; 1-year LMW
Imported

Easy Pay! 3 Installments of $23.99, plus Tax.See Easy Pay details
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QVC Coupons
g: 0 Posted By: ctgolfer
Views: 196 Replies: 1 use promo code: SEARS2014

The Diehard Battery Charger with Wheels is a great choice for those looking for a manually operated battery charger with engine starter and timer control
Able to start 12V and 6V vehicles and farm equipment
250, 50, 15 and 2 amp for versatile usage
Timer Control Dial for automatic shut-off, UL listed
Features include powder-coated steel case, color-coded analog ammeter gauge and ergonomic carrying handle
Wheeled for greater portability and ease of use
Comes with 6 ft. Power cord and 6 ft. 8AWG output cable
Some assembly may be required

www.sears.com/diehard-gold-wheeled-battery-charger-with-timer-co...
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g: 0 Posted By: ctgolfer
Views: 164 Replies: 0 Bypassing the need for complicated setup procedures, the FI9821P V2 is perfect for home surveillance and can be set up effortlessly by anyone, even those with very little IT experience
FI9821P V2 also features 1280 x 720p video resolution, h.264 video compression, built-in DVR via SD card (up to 32gb)and two-way audio
Wifi-N capability, pan/tilt, remote internet viewing, motion detection, night-vision as well as network video recording capability
In addition, it is smartphone compatible (iPhone, Android - app required) as well as viewable over the internet using standard browsers on PC (Firefox, IE and Chrome) or Mac (Safari only)
Camera functions well as a smartphone baby, pet or elderly parent monitor or as part of a complete home/office security system with remote internet monitoring ability
Resolution 1280 x 720
Output - built-in speaker (external speaker jack available)
Viewing angle - 70 degree
Image sensor - color CMOS sensor
Pan/tilt angle - horizontal: 300 and vertical: 120

www.homedepot.com/p/Foscam-Wireless-720p-Indoor-Plug-and-Play-IP...
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g: 0 Posted By: ctgolfer
Views: 133 Replies: 0 shipping adds $5

Ray-BanRB3362Cockpit Sunglasses:Ray-Ban Cockpit sunglassescontemporizethe Aviator Classic with an updated lens size. These sunglasses have less dominating lenses, which complements most face shapes. CockpitRB3362allows you to wear the timeless, classic frame that we all know and love, with an added edge. While a fashion-forward style of sunglasses, the Cockpit sticks to its roots of pilot sunglasses with teardrop shaped lenses and laser cut metal that ensures a thin and lightweight frame.

Metal frame
Crystal lens
Polarized
100% UV protection
Made in Italy
Eye:59mm
Bridge:14mm
Temple:135mm

Ray-Ban RB3016Clubmaster Sunglasses:Ray-Ban Clubmaster Classic sunglasses are retro and timeless. Inspired by the 50s, the unmistakable design of the Clubmaster Classic is worn by cultural intellectuals, those who lead the changed tomorrow.

Acetate frame
Crystal lens
100% UV protection
Non-polarized
Made in Italy
Eye: 49mmor 51mm
Bridge: 21mm
Temple: 140mm



http://accessories.woot.com/offers/ray-ban-clubmaster-and-cockpi...
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g: 0 Posted By: remick
Views: 69 Replies: 0 MySQL Replication Simplified: Easy step-by-step examples to establish, troubleshoot and monitor replication
http://www.amazon.com/gp/product/B00KGJPVJ0

MySQL Replication Simplified explains how the replication process works and what the benefits are. Then, it provides detailed step-by-step east to understand examples with visuals to set up a variety of replication configurations including the process of copying master to replica, making configuration changes and commands to establish replication. This book offers ways to troubleshoot, especially to interpret errors and to repair broken replication. In the end, it provides a mechanism to monitor working replication to alert on the event of replication issues.

This book covers the following topics.

What is MySQL Replication
Benefits of replication
How replication process works
Replication configurations
Components of Replication system
Approach to replication
Copying master to replica
MySQL configuration parameters
Commands useful to establish replication
Setting up of replication user account
Establishing various replication configurations
Skipping SQL Errors
Using SQL_Slave_Skip_Counter
Experimenting with auto increment variables
Interpreting show slave status output
Understanding shows processlist
Including & excluding databases & tables in replication
Interpreting binary and relay log files using mysqlbinlog
Troubleshooting and repairing broken replication
Monitoring MySQL replication



The Complete Python Programming Handbook. New 2014 Edition
http://www.amazon.com/gp/product/B00JOME5WO

For the University Student studying a science discipline, the Python programming language can be daunting. This comprehensive Guide complete with reference material has a proven success rate in guiding you through the key concepts of Python Programming to provide you with the skills to pass comfortably.

Python is one of those rare programming languages which can claim to be both simple and powerful. You will find that you will be pleasantly surprised on how easy it is to concentrate on the solution to the problem rather than the syntax and structure of the language you are programming in.

Python is an easy to learn, powerful programming language. It has efficient high-level data structures and a simple but effective approach to object-oriented programming. Python's elegant syntax and dynamic typing, together with its interpreted nature, make it an ideal language for scripting and rapid application development in many areas on most platforms..

TABLE OF CONTENTS:

Preface
1 Introduction
2 Installing Python
3 First Steps
4 The Basics
5 Operators and Expressions
6 Control Flow
7 Functions
8 Modules
9 Data Structures
10 Problem Solving - Writing a Python Script
11 Object-Oriented Programming
12 Input/Output
13. Exceptions
14 The Python Standard Library
15 More Python
16 What Next?
Totally Free Deals
g: 6 Posted By: MoogLiberation
Views: 1260 Replies: 48 I'm in a unique situation and wanted to get your advice on what I should be doing financially. I have my own ideas but I'll keep that to myself right now because I want to hear your unbiased suggestions. I'm 30 years old and was diagnosed with an inoperable brain tumor in November. I haven't been given any kind of definitive prognosis, but for those that don't know, there isn't a cure for brain cancer and I've been told a pretty wide range in regards to prognosis that ranges anywhere from a few years up to 30 years (thankfully my biopsy results showed that it is very slow growing, so there is some hope). Anyways, here's a few other details about me: I live (rent) in NYC so the cost of living is pretty high. I'm on a commission based salary so it's hard to give an exact figure, but let's say I'm making about $120k/year. I got married last year and don't currently have any kids although they are in the near term plans. Also, I didn't have a life insurance policy before aside from the one I have through my work that is only equal to 1X my salary. There is an option to ramp that up as high as 8X my salary, but I couldn't do that until open enrollment in the fall and I don't even know if I would be able to do that now given my diagnosis. I'd love to hear of any other ideas you may have regarding life insurance though.

Some specifics about my financial situation:

$60k cash in savings
$0 credit card balance
$7,400 federal student loans at 2.1%. Yeah, that's not a typo. I'm currently just paying the minimum on the balance and just plan on riding it out.
$20k in Roth IRA invested in S&P500 ETF.
$60k in 401k. I just changed this recently to be about 70% invested in short duration taxable bonds, and 30% in an S&P500 ETF.

So what would you guys be doing if you were me? The old me pre-brain cancer would have had at least $50k of that $60k cash that's in my savings account invested in something like an S&P500 ETF but I'm hesitant to do anything that has that kind of risk associated with it now. Please let me know if any other details would help. I think I covered it all.

I'd be grateful for any and all ideas. Thanks guys.

Edit: A few more details:

I was already on short-disability for 3 months while I was receiving and recovering from radiation and chemo. Surprisingly, I was very responsible and elected to pay for the extra long-term disability insurance which pay 60% of my salary.

I have pretty good private health insurance with an out of pocket maximum of $1,650 that I literally hit on January 2nd because I was receiving radiation and chemo at the time. I maxed out my FSA at $2,500 for the year as well.

I have no idea what kind of benefits I would be entitled to through SSA/SSI. Does anyone know how I can figure that out?
Discussion Deals
ASUS C200MA-DS01 Chromebook - $199.99 @ Newegg
Added on : Sunday August 03rd 2014 03:00:03 PM
g: 0 Posted By: StrangeAnimal
Views: 177 Replies: 0 This is cheapest price for a new ASUS C200 Chromebook that I've found online. Amazon is currently offering it for $229.99. For those of you in the market for a Chromebook, the ASUS C200 is slower than the best-selling Acer C720, but the ASUS has a higher build quality and is fan-less so it runs completely silent. The battery life is also the best of all the Chromebooks currently available and is estimated to be around 11 hours.

http://www.newegg.com/Product/Product.aspx?Item=N82E16834231755&...




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Newegg Coupons
Aluminum Commercial Stack Chaise Lounge at Sam's $46.81 YMMV
Added on : Sunday August 03rd 2014 03:00:02 PM
g: 0 Posted By: Brew
Views: 123 Replies: 0 My wife has been watching these chase lounge chairs at Sam's all summer. They are normally $120, but if you order on line and pick up in store, the price can be much lower. For giggles I checked the chairs online last night and they were out of stock at my closest Sam's, but when I checked a few more stores, a few had them in stock for as low as $46.81. One store had them for $70, one for $99.

So, a big YMMV, but worth checking the link and check all the local stores in your area. When we went to the store, they were still priced at $120, but had zero issues grabbing a couple and paying the $46.xx from my online receipt. Seem to be pretty good quality, and the reviews are very good. But one negative was that the chairs rub on each other and wear through the paint. We did have this problem with ours, but we aren't too concerned. They are aluminum, so lightweight and no concern about rust. For those in my area, Bloomington, MN had a bunch on hand for the $46.xx, Fridley, MN has them for $48.xx, in stock in a few others, but more expensive. You need to order online and pick up in store, to get the price. You don't pay until you pick up.

http://www.samsclub.com/sams/alum-sling-chaise/prod11740023.ip?s...
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g: -1 Posted By: DaysFan
Views: 207 Replies: 0 http://www.radioshack.com/product/index.jsp?productId=25007966http://rsk.imageg.net/graphics/product_images/pRS1-17064492w345.jpg


Axis Computer Kit w/ Multimedia Speakers, USB KB & Mouse

Model:
815825012011
| Catalog #: 55064234
Sale Price:$13.95You save:$56.04 (80%)

AXIS GK-310 MULTIMEDIA KEYBOARD WITH USB CONNECTOR AXIS GS-128 MULTIMEDIA SPEAKERS (BLACK) AXIS GM-344 OPTICAL WEB MOUSE WITH USB CONNECTOR
AXIS GK-310 MULTIMEDIA KEYBOARD WITH USB CONNECTOR AXIS GS-128 MULTIMEDIA SPEAKERS (BLACK) AXIS

Pricing and availability: Please note that all prices are subject to change without prior notice. Prices advertised on this site are for online orders only. Prices on some items may differ from those advertised in RadioShack stores. All merchandise may not be available at all stores, and all stores may not participate in all sales promotions. We recommend you contact the store to confirm product availability and price.


http://www.radioshack.com
Model:
815825012011
| Catalog #: 55064234
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HPH Android Tv box 4g ram 32g rom HDMI 2.0 HDMI in 4K $180 shipped
Added on : Sunday August 03rd 2014 11:00:03 AM
g: 0 Posted By: bendetto821
Views: 99 Replies: 0 Ok my first post got deleted because I'm new at this and didn't provide a direct link to place order so here goes:
I'm a tv box junkie with over 10 models testedand a bunch of us are members of the forum freaktab where a few members have already received the lower spec 2g/8g model with good reviews. You have to order thru aliexpress with 30 day lead time(4g upgrade production run) and they don't accept paypal. Even if you add the cost of a square trade warranty its still a good price for those specs.

You have to create an account then place the order with freaktab in order note but don't apply payment yet, they will adjust it to the lower price and you will be sent an email to pay. Here is the link:
http://www.aliexpress.com/item/Android-TV-BOX-with-RK3288-4G-DDR...

~~Hardware Specifications:
CPU Processor: RK3288 28nm Cortex-A17 Quad-Core Processor
Graphics Processor: Embedded Quad-Core Mali-T764 3D GPU, support OpenGL ES1.1/2.0/3.0, OpenVG1.1, OpenCL1.1 and Renderscript, Directx11, 2D GPU support 8Kx8K input, 4Kx4K output
System Memory: LPDDR2 2GB (4G optional)
Storage capacity: 8GB Flash (16B/32GB/64GB optional)
Network: Wireless: Support Wi-Fi 2.4GHz/5GHz 802.11 b / g / n & 802.11 a / c, cable: Support 100M/1000Mbps Gigabit Ethernet Base-T standard.
Bluetooth: Bluetooth 4.0
Storage Expansion: Support MicroSD (TF) card, up to 32GB
Power supply: DC 5V/2A
Operating System: Android 4.4
External Interface
HDMI output: 1xHDMI A-type female, HDMI2.0, support 4K 2K decoder outputs
HDMI input: 1xHDMI A-type female, maximum support 1080P (60HZ) Input
USB Interface: 3XUSB Host, 1XOTG (Micro USB)
Fiber Interface: 1xSPDIF digital audio output
Reader: 1xTF deck
AV and analog audio output interface: 1x3.5mm headset seat
Network Interface: 1xRJ45
Power Interface: 1xDC socket
Antenna: External antenna Wi-Fi
Camera: 5,000,000 AF (optional)
MIC: no noise no echo silicon microphones
Audio Video
Audio formats: support for MP1, MP2, MP3, WMA, WAV, OGG, OGA, APE, FLAC, AAC, M4A, 3GPP and other audio formats, a variety of EQ mode, support synchronous lyrics display lyrics and the whole page
Audio Output: HDMI audio output, left and right channel analog audio output
Video decoding formats: Full video format decoding, support for H.265 hardware decode, support SMPEG-1, MPEG-2, MPEG-4, H.263, H.264, AVS, VC-1, RV, VP6/VP8, Sorenson Spark, MVC
Video encoding formats: H.264, H.265, VP8, MVC (1080P)
Video Output: HDMI output: Ultra HD maximum support 4Kx2K (3840 * 2160), AV Output: PAL system and NTSC system
H.264, H.265 Frame rate: up to 60fps
Picture format: JPG, JPEG, BMP, GIF, PNG, JFIF formats picture browsing, support maximum resolution of 8176 * 8176
EBook Reader: Supports e-book formats TXT, LRC, PDF, Html, Htm, EPUB, etc.
Software expansion: Support Google market, support APK installation
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g: 0 Posted By: MoogLiberation
Views: 127 Replies: 6 I'm in a unique situation and wanted to get your advice on what I should be doing financially. I have my own ideas but I'll keep that to myself right now because I want to hear your unbiased suggestions. I'm 30 years old and was diagnosed with an inoperable brain tumor in November. I haven't been given any kind of definitive prognosis, but for those that don't know, there isn't a cure for brain cancer and I've been told a pretty wide range in regards to prognosis that ranges anywhere from a few years up to 30 years (thankfully my biopsy results showed that it is very slow growing, so there is some hope). Anyways, here's a few other details about me: I live (rent) in NYC so the cost of living is pretty high. I'm on a commission based salary so it's hard to give an exact figure, but let's say I'm making about $120k/year. I got married last year and don't currently have any kids although they are in the near term plans. Also, I didn't have a life insurance policy before aside from the one I have through my work that is only equal to 1X my salary. There is an option to ramp that up as high as 8X my salary, but I couldn't do that until open enrollment in the fall and I don't even know if I would be able to do that now given my diagnosis. I'd love to hear of any other ideas you may have regarding life insurance though.

Some specifics about my financial situation:

$60k cash in savings
$0 credit card balance
$7,400 federal student loans at 2.1%. Yeah, that's not a typo. I'm currently just paying the minimum on the balance and just plan on riding it out.
$20k in Roth IRA invested in S&P500 ETF.
$60k in 401k. I just changed this recently to be about 70% invested in short duration taxable bonds, and 30% in an S&P500 ETF.

So what would you guys be doing if you were me? The old me pre-brain cancer would have had at least $50k of that $60k cash that's in my savings account invested in something like an S&P500 ETF but I'm hesitant to do anything that has that kind of risk associated with it now. Please let me know if any other details would help. I think I covered it all.

I'd be grateful for any and all ideas. Thanks guys.
Discussion Deals
Canon PowerShot A4000 IS Silver Refurbished $35.99 w/FS @ Canon
Added on : Sunday August 03rd 2014 07:00:02 AM
g: 0 Posted By: ctgolfer
Views: 49 Replies: 0 Features
8x Optical Zoom with 28mm Wide-Angle Lens
The 8x Optical Zoom (35mm equivalent: 28-224mm) in PowerShot A4000 IS digital camera is the most powerful ever seen in Canon's A-Series. It gives you a huge range of potential images from a single location, which is perfect for sporting events and other occasions when your shooting stance is fixed, or times when moving in too close might disrupt the action you're trying to capture. The lens's 28mm wide-angle perspective puts more image in every frame for dynamic, exciting shots.

Optical Image Stabilizer
Handheld shooting can often lead to camera shake, making photos and videos blurry. Canon's Optical Image Stabilizer is a sophisticated system that uses lens-shift technology to correct unwanted camera movement.

16.0 Megapixel Image Sensor with DIGIC 4 Image Processor
With the camera's 16.0 Megapixels of resolution, your images are rich and clear, with textures and tiny details faithfully reproduced even at the long end of the big 8x Optical Zoom. This high level of resolution is ideal for creating the largest prints, and allows you the flexibility to blow up and crop any section of an image to express your creativity. The DIGIC 4 Image Processor powers the camera's advanced systems and features, ensuring fast, reliable performance with low battery consumption.

DIGIC 4 Image Processor
Canon DIGIC Image Processors have set the standard for functionality and performance since their groundbreaking introduction in 1999. With each successive generation, DIGIC processors have brought elevated performance and powerful new features to PowerShot digital cameras. The DIGIC 4 Image Processor has ushered in a new level of picture quality and accelerated processing, making possible features such as high-speed continuous shooting, HD video and Face Detection Self-timer.

Smart AUTO
Smart AUTO automatically detects scenes by assessing various factors in both the background and the subject. Detected scenes are analyzed using 32 predefined shooting situations. The camera then makes optimal settings to ensure the best possible image capture when shooting still images.

720p HD Video
You can shoot high definition video anytime, anywhere right from the pocket-sized A4000 IS. With a simple push of the dedicated movie button, you'll be able to instantly record every moment in motion. 720p HD video is smooth, vivid, and beautifully lifelike, making it an ideal way to capture special memories.

iFrame
With the PowerShot A4000 IS digital camera, you can also shoot video in the Apple iFrame format. It keeps file sizes small, making it more convenient to upload or e-mail high-quality videos.

Intelligent IS
The latest advance in Canon Optical Image Stabilization technology, Intelligent IS analyzes camera movement and applies the best shake correction method for the shooting situation.

Help Button
The PowerShot A4000 IS digital camera is designed to be fun and easy to use, even for beginners. A new Help Button on the camera's exterior brings up the help menu any time you need it, right on the LCD screen. From here, you can scroll through a variety of topics that answer your questions with clear explanations, offer helpful shooting advice, and show you diagrams highlighting the position of any buttons you'll need.

Lithium-ion Battery
The Canon PowerShot A4000 IS digital camera uses a rechargeable Lithium-ion battery. This compact, powerful battery helps make it a lightweight and slim camera. Charge-up is quick and easy, so the PowerShot A4000 IS will be ready and waiting for those special moments.

http://shop.usa.canon.com/shop/en/catalog/powershot-a4000-is-sil...
g: 0 Posted By: remick
Views: 102 Replies: 0 http://www.amazon.com/gp/product/B00HI04VJG

A DIY book for those who want to repair furniture but don't know how to go about doing it. This is a photo intensive ebook that will help the occasional craftsperson maintain a family heirloom. Without resorting to taking it to a woodworking business. It is easy to follow and to read.
this is the first in a series of Morgan's Woodwork Shop DIYs
Books & Magazines Deals
Free Kindle Book- Mary Magdalene: A Novel (was $14.99)
Added on : Saturday August 02nd 2014 06:00:02 AM
g: 0 Posted By: remick
Views: 232 Replies: 0 http://www.amazon.com/dp/B0073UPQMM/

4.6 out of 5 stars (117 customer reviews)

Long maligned as a prostitute or a woman of questionable reputation, Mary Magdalene's murky story seems lost to the sands of time. Now a portrait of this enigmatic woman comes to life in the hands of an imaginative master storyteller. Diana Wallis Taylor's Mary is a woman devastated by circumstances beyond her control and plagued with terrifying dreams--until she has a life-changing confrontation with the Savior.

Lovers of historical and biblical fiction will find this creative telling of Mary's story utterly original and respectful as it opens their eyes to the redeeming work of Christ in the lives of those who follow him.



also free

Unmending the Veil
http://www.amazon.com/dp/B00E80O1CQ/
4.9 out of 5 stars See all reviews (81 customer reviews)

Unmending the Veil implies that somehow the torn Temple veil has been mended. Stitch by stitch, Robin has closed her heart off to God. Years have passed since a nearly fatal attack by her husband, and still, she is paralyzed by fear and grief.
When faced with the command to forgive all things, will Robin be able to forgive the man who nearly killed her, forgive God for taking what mattered most, and forgive herself for her own attempt at murder?


Michal's Window (A Novel: King David's First Wife)
http://www.amazon.com/dp/B007CVT9F2/
4.1 out of 5 stars (115 customer reviews)

A novel of betrayal, forbidden love, and redemption, Michals Window is an imaginative retelling of King David's story through the eyes of the woman who loved him first.


Preacher's Daughter, The (Annie's People Book #1) (Annie's People)
http://www.amazon.com/dp/B00B5J4TZM/
4.5 out of 5 stars (82 customer reviews)

Annie's People Book 1- A new series from The New York Times bestselling author of the ABRAM'S DAUGHTERS series! The Preacher's Daughter begins a remarkable journey of heartache and homespun delight--a series readers will find impossible to forget. Paradise, Pennsylvania, is likened to a little slice of heaven on earth...but for Annie Zook--the preacher's eldest daughter--it seems like a dead-end street. She is expected to join the Amish church, but at 20 she is "still deciding." Because of the strict rules that guide the Plain community, she must continually squelch her artistic passion, although it has become her solace. In her signature style, with character depth and unexpected plot twists, beloved novelist Beverly Lewis once again opens the door to the world of the Amish.


Night Before Dawn (Dawn Series -Book 1)
http://www.amazon.com/dp/B009O8H8LI/
4.9 out of 5 stars (41 customer reviews)

Night Before Dawn is an inspiring novel about a young womans struggle to find peace in the center of tragedy, new life in the midst of loss, and forgiveness in the heart of betrayal

Books Deals

Amazon Coupons
'Summer Job? Time to Start a Roth I.R.A.' (NYT)
Added on : Saturday August 02nd 2014 04:00:04 AM
g: 0 Posted By: tuphat
Views: 24 Replies: 0 No rocket science, but useful backup for those of us who encourage young people to set up Roth IRAs, for summer jobs, etc., esp. where parents can help max out the contribution.

Also: Interesting discussion at end of article about college financial aid and student-owned retirement accounts.

http://nyti.ms/1qCArAA
Discussion Deals
g: 0 Posted By: alamo11
Views: 0 Replies: 0 I know it's Fox but..

This is how unethical servicers make money!


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

http://www.foxbusiness.com/markets/2014/08/01/some-subprime-mort...
g: 21 Posted By: TeeSemmel
Views: 2479 Replies: 7 Just got the e-mail update that the upcoming Costco coupons are online.
Just started looking through but wanted to post fast.

Chicken Alfredo once again $3 off. I like this one
Huggies for those that wait for that. $6 off. For us those times are long gone.
Several Tide products and Woolite.
Finally the bigger batteries C and D, $3 off
Tomato Basil Soup $2.50 off
24 Sharpies for $9.99 AC (one of the rare cases where the price is listed)

The Brother laser doesn't seem such a good deal as the HL-2240 was $40.17 AC at Staples a while back.

Costco Deals
24" Bolt Cutter FAR @ Menards B&M (in store credit)
Added on : Friday August 01st 2014 01:00:02 PM
g: 0 Posted By: TeeSemmel
Views: 117 Replies: 0 Surprised it wasn't posted before: Menards has a $19.99 24" bolt cutter free after rebate. Yes, it's just a Tool Shop, probably not for the professional or the real serious hobbyist, but good enough to cut those rubbermaid wire shelving to the right length instead of scratching it through with an old hack saw. (At least worked for me that way.)
As usual with Menards no money back, but in store credit.

Also on first page of the current Project Days flyer.

Only good until tomorrow.

g: 3 Posted By: TeeSemmel
Views: 428 Replies: 0 Just got the e-mail update that the upcoming Costco coupons are online.
Just started looking through but wanted to post fast. Will update with highlights later.

Chicken Alfredo once again $3 off. I like this one
Huggies for those that wait for that. $6 off. For us those times are long gone.
Several Tide products and Woolite.
Finally the bigger batteries C and D, $3 off

Costco Deals
New Arrivals: McQ Alexander McQueen - Leopard Pixel Pouch
Added on : Friday August 01st 2014 09:02:00 AM
Leopard Pixel Edge Pouch is crafted in textured leopard print calf skin and leopard pixel PU in a grab-n-go style that is great for those spur-of-the moment nights out. Featuring zip pouch closure and wristlet, internal zip pocket, leather logo plaque and brass hardware with signature gunmetal finish. Signature dust bag included.
GA Georgia Tax free days - Aug 1-2
Added on : Friday August 01st 2014 07:00:10 AM
g: 0 Posted By: Mulox
Views: 245 Replies: 0 If you live in GA, today and tomorrow are tax free on the following items:

Clothing ($100 or less per item)
Computers/tablets($1,000 or less per item)
School supplies($20 or less per item)

For full details on what qualifies and exclusions:
http://georgia.gov/blog/2014-07-29/back-school-tax-free-holidayC...

COMMON QUESTIONS:

Are uniforms for athletic events covered?
Yes. The price limit still applies ($100 per item). However, if youre renting uniforms or costumes, those items do not qualify for the tax exemption.

Can I shop tax-free online?
Yes, it is possible. Keep in mind that each store will have to rearrange its codes so that when you enter your shipping address to reflect your home state, the technology will have to be in place to take the taxes off of your bill. Some online retailers will be more aware of Georgias tax exemption than others. The best way to find out for sure is to call the retaileror live chat directly. I have found some that still show tax(Amazon, CowBoom) at checkout, but after talking with them, they agreed to honor it by applying a credit post-order.
Services Deals
MoneyPak Opens Path to Fraud Schemes
Added on : Friday August 01st 2014 01:00:05 AM
g: 0 Posted By: NEDeals
Views: 75 Replies: 0 Federal authorities are sounding alarms about a wide range of fraudulent schemes involving a popular prepaid money card product.

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

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

dealbook.nytimes.com/2014/07/31/popular-prepaid-money-card-opens-path-to-fraud-schemes/

mobile.nytimes.com/blogs/dealbook/2014/07/31/popular-prepaid-money-card-opens-path-to-fraud-schemes/
Discussion Deals
g: 1 Posted By: remick
Views: 126 Replies: 0 http://www.amazon.com/gp/product/B00LNE6V14/

Before you pull out the lawn mower or sign up for the lawn mower service, grab a copy of this book to get insight on a strategy that will allow you to efficiently earn the best lawn in the neighborhood and that will keep you from wasting time and money on losing battles.

Among the variety of books on lawn and garden, it has been impossible to find one that combines a concise strategy and actionable tactics with clear photographs of the weeds that are causing your lawn care problems. That gap has now been filled.

How do you come up with a schedule for lawn feeding?
When do you apply feedings to your lawn?
What do forsythias have to do with anything?
Do pre-emergent applications only apply to crabgrass?
Is your lawn supposed to be a pleasure? or a master?

These are some of the questions addressed and answered in a short, targeted text of the NC WEED KILLERs strategy for lawn care and weed control.

Then there are 31 full color close-up photographs in the Rogues Gallery of common weeds. Knowing what you are up against allows you to pick the best strategy and Target the best weed control herbicide.

Luckily, landing in the 7c zone of North Carolina, the NC WEED KILLER has been able to document the weeds that have been creating problems from New York to Georgia, from North Carolina to The Pacific Northwest. And, he has been able to work out the best ways to combat those weeds- and win!

With the books available made so large to attract publishers, and so complex that there is too much information, the home gardener has been left without clear guidelines and a concise strategy. With hardcover volumes so large and with those little web site thumbnail pictures on your computer, getting the information out into the garden for good side by side comparison has been difficult, if even possible. Pick up your 8 x 8 copy of A Photo Handbook to Weeds and head for the yard!

A simple plan, portable information, and actions that arent going to rob all your time and money. You are looking at the answer you have been looking for.
Books & Magazines Deals
Retracted stock option grant in latest review
Added on : Thursday July 31st 2014 07:00:13 PM
g: 0 Posted By: ihaslittledolla
Views: 76 Replies: 0 In my most recent review, I was granted an additional x number of shares. Before the board meeting where this could be approved, an offer was put on the table to acquire the company. Now the company wants me to sign a letter agreeing to give up those shares as it is "not in the best interest of the company and its stockholders". The way it's been explained to me is that once the offer was on the table, the company has a different valuation. Hence, the strike price of the shares goes up to the same amount of the offer on the table. Hence, it would be of no gain to me since the price for me to acquire it would be the same price the shares would sell at.

Instead, they want me to sign a release agreement agreeing to give up those shares and they claim that in the retention package, this has been factored in and the retention package is now higher (presumably) as a result. I have no way to verify this portion other than to trust them.

Is this a valid thing (ie. legal) for the company to do? And if so, should I go ahead and sign? Has anyone experienced this and can share what happened?
Investing Deals
g: 0 Posted By: disenchanted
Views: 162 Replies: 0 For those folks that want to program MCU units but lack the programming skills.
You drag n drop, to create a sort of a flowchart and FlowCode creates the code needed to run your program.

FlowCode V6 is 50% off through Aug 5th.
Was $574.00, now $287.00

50% off FlowCode V6

PIC version

AVR version

ARM version

dsPIC version
Software Deals
g: 2 Posted By: Canucklehead
Views: 253 Replies: 0 Camera body alone is $1099 usually.
For an extra $86 AR, you get Printer, Extra Battery, Bag, 16GB Memory Card.

After $400 Canon Rebate. If you did the rebate last month, this one is new so no prob. I got my last rebate in 20 days.
http://www.adorama.com/pdfs/rebates/july_14_adorama_canon_mir_pr...

Sell the printer for $150. Sell the lens for $275. Could get Body only for as low as $785 with extra goodies. Sell those and save more.

Don't forget $45 in FatCash at Adorama (3% right now). If you don't have a sales guy, put "Steve Chill" in 'who helped you'. He's a good guy.

Adorama: http://www.adorama.com/ICA70DK1Z.html

B&H: http://www.bhphotovideo.com/c/product/1046510-REG/canon_eos_70d_...

Camera and lens are $1449 right now on Amazon. So this is a great deal.
SLR & dSLR Deals

B&H Photo & Video Coupons
Noodle & Co - Register eClub & Rec A Free Dish on B-Day
Added on : Thursday July 31st 2014 04:00:07 AM
g: 0 Posted By: CindyLouWho2
Views: 150 Replies: 0 ~~Noodle & Co - Register eClub & Rec A Free Dish on B-DayRegister with Noodles & Company eMail Club and receive a free dish on your birthday along with a special surprise on your Noodlegram anniversary. Besides the coupons mentioned above, Noodles & Company sends multiple coupons throughout the year and quite a few of those coupons are for free items. Complete the eMail club registration form and submit to start your membership and receive your free Noodles & Company .http://www.noodles.com/noodlegram/
Surveys & Rewards Deals
New rules will require banks, brokers to identify beneficial owners
Added on : Thursday July 31st 2014 03:00:05 AM
g: 0 Posted By: tuphat
Views: 53 Replies: 0 The U.S. Treasury Dept., through the Financial Crimes Enforcement Network (FinCEN), recently proposed rules that will, among other things, require banks, brokers and others to verify theidentity of the beneficial owners of
legal entity customers (i.e., the natural persons who own or control legal entities like LLCs and partnerships).

Of potential concern to those of us interested in financial privacy; not of concern to those that believe "if you haven't done anything wrong, you have nothing to hide."

Proposed rules at: http://www.fincen.gov/statutes_regs/files/CDD-NPRM-Final.pdf

Treasury seems to bedoing administratively what it previously thought required legislative action; see archived FWF topic.

Discussion Deals
g: 0 Posted By: ctgolfer
Views: 144 Replies: 0 Matterhorn 1998 Mens 8 Inch Waterproof Non-Insulated Lace to Toe Boots, Black
Features:
Water-Resistant, Breathable Full Grain Leather
Cordura Nylon
Moisture Wicking Lining
Waterproof/Breathable GORE-TEX Bootie
Polyurethane Midsole
Removable Polyurethane Cushioned Insert
Non-Metallic Shank
Vibram Sierra Rubber Outsole
Goodyear Patented Flex-Welt Construction
Cambrelle
Cordura
Gore-Tex
Vibram Sierra - Black

Matterhorn 4600 Mens 7 Inch Suede Leather Mach Boots, Tan
Features:
Feel like you've been climbing the ladder at work forever? Reach the pinnacle of working comfort with Matterhorn 4600 7 inch Tan Suede Leather Mach Boots. Will they help you get a promotion? Well...they will help you get through your day without so much foot discomfort.
Quality suede leather, in a very light brown shade, gives you supple softness even when the work day is rough and hard. The 1200 denier Cordura tongue, a durable nylon, prevents the wear and tear you get from lacing up. The round nylon laces are part of Matterhorn's Silent Speed Lace System, abrasion-resisting material that helps you stay secure.

Those slightly darker rubber tips and counters (for the toe and heels) are abrasion-resisting, preventing wear in these frequently-trampled boot areas. Lateral (metal-free) composite supports and shanks are built right in, supporting your legs and feet so muscles don't get so stressed (and neither will you).

Shock-absorbing, softly cushioned inserts protect your feet from flooring. These inserts are made with DRYZ technology, moisture-wicking material that locks wetness away in an antimicrobial, odor-fighting core.

Matterhorn's patented Scrambler outsoles feature a unique tread pattern for great traction, a slip-resisting design that keeps you going steady. These dual-density outsoles offer two layers of support, oil-resisting to prevent wear and corrosion. Find out what a difference comfort can make with Matterhorn 4600 7 inch Tan Suede Leather Mach Boots.

Matterhorn 4949 Men's 10" Waterproof Insulated Lace To Toe Boots, Desert Tan
Features:
200 grams of Thinsulate Insulation
Desert Tan Rough Out Leather
Cambrelle Breathable Moisture Wicking Lining
Waterproof/Breathable GORE-TEX Bootie
Polyurethane Midsole
Removable Polyurethane Cushioned Insert
Non-Metallic Shank
Vibram Sierra Fire & Ice Slip-Resistant Outsole
Goodyear Patented Flex-Welt Construction

Matterhorn 4001996 Mens 8" Waterproof Leather & Cordura Insulated Boots, Black
Features:
Waterproof/Breathable GORE-TEX Bootie
Water-Resistant, Breathable Full Grain Leather
Thinsulate Insulation 400 grams
Cambrelle Breathable Moisture Wicking Lining
Cordura High Performance Fabric
Shock Absorbing Polyurethane Midsole
Removable DRYZ Moisture/Odor Control Shock Absorbing Cushioned Insert
Fiberglass Shank
Vibram Sierra Outsole

Matterhorn 4007831 Mens 8 Inch Waterproof Insulated Combat Boots, Black
Features:
Water-Resistant Breathable Full Grain Leather Upper
Waterproof/Breathable GORE-TEX Bootie
Moisture Wicking Lining
400 grams of Thinsulate Insulation
Removable DRYZ Polyurethane Cushioned Insert
Non-Metallic Shank
Goodyear Patented Flex-Welt Construction
Polyurethane Midsole
Vibram Sierra Fire & Ice Slip Resistant Outsole
Made in USA

Matterhorn 4402494 Mens Safety Toe Waterproof Insulated Field Boots, Tan
Features:
Goodyear Patented Flex-Welt Construction
Waterproof / Breathable Gore-Tex Bootie
Top Quality Desert Tan Fleshout Leather
Thinsulate Insulation 400 grams
Cambrelle Breathable Moisture Wicking Lining
Removable DRYZ Moisture / Odor Control / Shock Absorbing Cushioned Insert
Fiberglass Shank
Patented PGD Shock Absorbing Polyurethane Midsole
Vibram Sierra Outsole
Non-Metallic Safety Toe: Meets ASTM F2413 Standard for Protective Footwear

Matterhorn 6001949 Mens 10 Inch Waterproof All Leather Field Boots, Black
Features:
Waterproof/Breathable GORE-TEX Bootie
Water-Resistant, Breathable Full Grain Leather
Thinsulate Insulation 600 grams
Cambrelle Breathable Moisture-Wicking Lining
Goodyear Welt Construction
Leather Comfort Collar
Removable DRYZ Moisture/Odor-Control Shock-Absorbing Cushioned Insert
Shock-Absorbing Polyurethane Midsole
Fiberglass Shank
VIBRAM Kletterlift Outsole
Also available with 200-gram Thinsulate

Matterhorn CV8787 Men's 10" Waterproof Insulated Boots Safety Toe, Sage Green
Features:
Non-Metallic Safety Toe Box: Meets ASTM F2413 Standard for Protective Footwear
Sage Water Resistant Breathable Full Grain Leather
400 grams of Thinsulate Insulation
Moisture Wicking Lining
Waterproof/Breathable GORE-TEX Bootie
Polyurethane Midsole
Removable DRYZ Polyurethane Insert
Non-Metallic Shank
Goodyear Patented Flex-Welt Construction
Heel Height: 1 1/4"

Matterhorn CV30375 Women's 8 Inch Non Metallic Superboot III, Black
Features:
Model CV30375
8 Inch
Women's
Non Metallic
Color: Black

www.ebay.com/itm/201138334610
Shoes Deals

eBay Coupons
BELIEVE the bs that your boss pays half of your SS?
Added on : Wednesday July 30th 2014 02:00:08 PM
g: -7 Posted By: nicj4070
Views: 169 Replies: 5 No, you pay all of it. your boss just helps Big Bro steal it from you, like he does your other taxes. Say you're my boss, you pay me $10 an hour. SS, unmploye, etc, add another $1 per hour. you must be able to turn a profit, after paying the ENTIRE $11 per hour. He doesn't CARE who it goes to, it's still all of it one of his expenses. Say SS magically disappeared, can he STILL charge you that $1 an hour "extra" out of your check? what if his competitor is paying the full $11 an hour to HIS workers, hmm? who will you soon work for? Whom will you be mad at? To whom will you tell everything you know about your old boss? So you see, you ARE paying all of your SS 15%. it's a tax, just like all the rest of it, and if you're less than 50 years old, you'll never see a dime of it, either. The $ bill is going to collapse before you're 70 (which will be YOUR minimum retirement age. The baby boomers are going to collapse SS, and with it, the $. Politicians don't DARE touch current SS policies, so they will just inflate the $ the rest of the way into worthlessness. it's already only worth 1.5c on what USED to be a $ (vs price of gold) A $20 bill, 100 years ago, bought an oz of gold. Now it takes (approx) 65 of those same $20 bills to buy that oz of gold.
Discussion Deals
everything you buy costs 2-3x as much as without SS, taxes
Added on : Wednesday July 30th 2014 01:00:09 PM
g: 0 Posted By: nicj4070
Views: 0 Replies: 0 Say you buy a car. car's require steel. steel is made from iron ore and coal. Do the people who mine those pay ss and taxes? Yes the do, so do the people who ship those things to the steel plants. do the steel workers pay ss and taxes? of course, so do the people who ship the steel to the car maker. do the carmakers pay ss and tax? sure, so do those who ship the car to the dealer, and so do car dealers, and then YOU PAY FOR ALL OF IT when you buy the car (with money that you've paid ss and taxes on ). If you don't believe me, check prices( on the same stuff you buy here) in China, or Taiwan. You're getting shafted, big time all the time, and you don't even realize it.
g: -1 Posted By: ionelpapusoi
Views: 51 Replies: 3 Also posted a topic in Deal Discussion, but think also can get some opinion here. I took the decision to go for a prepaid plan and one guy says H2O is good for GSM and Pageplus for CDM. Still, H2O is not a reseller of Verizon as far as I see herehttp://www.allprepaidplans.com/network/verizon... And I want one of those normally. But if you guys also think H2O is a good service, it will help me a lot to take a decision easier. So, what can I see? Thank you from now!

Discussion Deals
liability insurance for rental property
Added on : Wednesday July 30th 2014 07:00:08 AM
g: 1 Posted By: bxd20
Views: 105 Replies: 1 Hello.

My mom just passed away. My parents have a small (888 sq ft) house in FL. My dad is older now and he won't be traveling there by himself for vacation. So the options are to sell it, or, turn it into a vacation rental property and list on vrbo / homeaway.

I am trying to accurately break down all costs to rent it out. We'll need a property manager that is local obviously. There will be things that break, maintenance, etc.

The main focus for my thread however is insurance. This house can't be insured due to proximity to beach and the general hurricane threat. I am willing to risk losing the structure to storm. However, I'm not keen on a renter getting injured and suing me. Let's say my property manager really missed something semi-dangerous, a screw that backed out of the carport supports. Renter walks into it, big gash on head, thousands in hospital bills. Or worse.

What are my options? I am not very familiar with liability insurance or umbrella insurance. Are those what I should be looking at? It would need to protect all of my dad's assets against a freak accident . My dad and I are both quite risk averse, so the idea is a little worrying. But the area is in good demand, there are other homes on vrbo, and it would be a nice income stream.

All comments are appreciated!
Personal Finance Deals
ETFs vs Mutual Funds
Added on : Wednesday July 30th 2014 03:00:06 AM
g: 0 Posted By: BrunoB
Views: 46 Replies: 0 What are pros and cons?
Example: ETFs are superior over MFs except for those ETFs where the insufficient liquidity masks the load with a spread on bid-asked, and the fees and expenses eat up much of the earnings.
General Economics Deals
g: 0 Posted By: Xenocrates
Views: 169 Replies: 0 AMD Barebones Kit: FX-8350 8-Core CPU, MSI Motherboard, 8GB DDR3, 1TB HDD - $349.99 AR FS @ Tiger Direct

Rebates: 2x$20 MIR for Adata RAM,$10 MIR for SolidGear Power Supply,3x$10 MIR on Kingwin Case Fan

This deal is especially for all those users out there who love Tiger Direct rebates.

Includes:

AMD FX-8350 Eight-Core 4GHz AM3+ Processor (FD8350FRHKBOX)
MSI 970A-G46 AMD 9 Series AM3+ ATX Motherboard
8GB (2x 4GB) ADATA XPG V1 DDR3 1600 Desktop Memory (AX3U1600C4G11-SD)
1TB WD Blue 3.5" Internal Hard Drive (WD10EZEX)
3x Kingwin Case Fan (CFBL-012LB LED)
650W SolidGear Power Supply (SDGR-650E)
Cougar Solution Black Steel Gaming ATX Mid Tower Case

Computers Deals

Tiger Direct Coupons
g: 0 Posted By: ctgolfer
Views: 118 Replies: 0 Condition: Refurbished
Packaging: Hassle-Free
Warranty: 90 Days
Brand: Cisco-Linksys
Model: WRT120N

Product Features:
Enables you to share your high-speed Internet connection Wi-Fi enabled devices
Step up to the speed of wireless N
Offers speeds up to 15x greater than those of 802.11g routers
2 internal antennas ensures strong signals with a wide range
Four Ethernet LAN-Ports allow you to connect manually to computers, printers or other wired devices
LED front panel status indicators
Wi-Fi certified to ensure interoperability with IEEE 802.11g and 802.11b devices
Equipped with 10/100 auto crossover (MDI/MDI-X) Ethernet ports
Complies with IEEE 802.11g and 802.11b standards
Easy-to-use setup wizard
Device can be placed horizontally or wall-mounted
Compatible with MAC or PC

What You Get:
Cisco Linksys Wireless N Router, WRT120N
AC Power Adapter


www.dailysteals.com/#deals/29086
Routers Deals
g: 0 Posted By: Xenocrates
Views: 107 Replies: 0 NETGEAR R6200-100PAS V1 Dual Band AC Gigabit Wireless Router IEEE 802.11a/b/g/n/ac+ Free Motorola SB 6141 Modem - $129.99AC FS @ Newegg

This +5 deal is back with a new coupon code!! Thanks to user RookieBuc for posting a new coupon code in the old thread.

Coupon Code:EMCPCHA49- Get FreeMotorola SB6141 Modem($84.99 value)

128MB RAM & 16MB Flash
Dual Band AC 300 + 867 Mbps
Open Source
USB 2.0 support
Gigabit Wired
ReadyShare USB Storage Access

Note: The router is it's normal price, so this is a deal for those who are looking for a new modem and router. You are getting one of the best consumer modems out right IMO for free with a decent dual band router.
Routers Deals

Newegg Coupons
Little Tikes 2-in-1 Snug 'n Secure Swing Blue - $24.99 at Toys-R-Us
Added on : Tuesday July 29th 2014 04:00:03 PM
g: 0 Posted By: Ayla
Views: 111 Replies: 0 Little Tikes 2-in-1 Snug 'n Secure Swing Blue - $24.99 at Toys-R-Us


http://www.toysrus.com/buy/swings/little-tikes-2-in-1-snug-n-sec...


$24.99 - In Blue Only


Get an extra 15% Off with your Toys-R-Us card



THOSE AVAILABLE ON eBay:
~~~~~~~~~~~~~~~~~~~~~~~~~


IN BLUE:
~~~~~~~~

http://www.ebay.com/itm/Little-Tikes-2-in-1-Snug-n-Secure-Swing-...


$31.00

~~~~~~~~~~~~

http://www.ebay.com/itm/Little-Tikes-2-in-1-Snug-N-Secure-Swing-...

$29.99 + $2.99 Shipping




IN PINK:
~~~~~~~~


http://www.ebay.com/itm/Little-Tikes-2-in-1-Snug-N-Secure-Swing-...


$29.99 + $2.99 Shipping



~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

Sold by Quidsi Retail LLC and Fulfilled by Amazon


http://www.amazon.com/Little-Tikes-Snug-Secure-Swing/dp/B003621U...


$32.99 - FREE shipping with prime

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~



Regular Price According To Little Tikes Site: $53.98



Easy-in hinged T-bar
Stay-put shoulder straps hold baby securely in place
As the child grows and doesn't require the T-bar or straps, they store conveniently out of the way
Durable and great for outdoor or indoor swing
Made in USA

g: 0 Posted By: TheNastySheriff
Views: 245 Replies: 0 For those who can't wait for the eventual price drops (like me), here's $15 off a Samsung 850 Pro 256GB SSD @ Newegg

Coupon: EMCPCHA22
Exp: 7/29/14 (TONIGHT)

Product Link

***BTW, Newegg offered 99 cent 3-day shipping for this item so I took it to speed-up delivery***
SSD Deals

Newegg Coupons
g: 0 Posted By: jaytrader
Views: 226 Replies: 3 http://money.cnn.com/2014/07/29/pf/debt-collections/index.html?i...
cnn money said: An estimated 1 in 3 adults with a credit history -- or 77 million people -- are so far behind on some of their debt payments that their account has been put "in collections."

That's a key finding from a new Urban Institute study.

It examined non-mortgage debt, including credit card bills, car loans, medical bills, child support payments and even parking tickets.
...
The debt in collections ranged from as little as $25 to a whopping $125,000. But the average amount owed was $5,200.
...
Among the states,Nevadahad the highest percentage of residents with debt in collections -- 47% - as well as the highest average amount owed - $7,198. That was helped in part by the Las Vegas metro area, where 49% of residents had debt in collections.
...
The study, conducted with Encore Capital Group, is based on a random sample of 7 million people's TransUnion credit files in 2013.

Damn, we got issues, son! Basically, according to the article*, every other person that lives in Vegas has a collections account or accounts. That is mind-boggling. I bet that doesn't include the money they owe to loan sharks, either.

*sample of 7 million TU files.
Discussion Deals
2-Pack: Totes Isotoner Norton Style Bucket Hats $9.99 F/S @Tanga
Added on : Tuesday July 29th 2014 04:00:03 AM
g: 0 Posted By: lovelybones
Views: 105 Replies: 0 https://www.tanga.com/deals/6f8f6838af90/2-pack-totes-isotoner-n...
Ideal For The Great Outdoors


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Tanga Coupons
g: 0 Posted By: anusha123
Views: 195 Replies: 0 Amex is running promotion every time when you dine in downtown restaurants betweenbetween 12am ET on July 27, 2014 and 12am ET on August17, 2014

Enrollment link below

https://enroll.amexnetwork.com/US/en/SummerATLDowntownRW2014/



Offer valid only for in-restaurant purchases. Not valid for online purchases.To redeem this offer, you must first register any eligible American Express Card atamexnetwork.com/atldowntownrestaurantweekbetween 12am ET on July 27, 2014 and 12am ET on August17, 2014.Then, each time you use the same registered Card to spend a total of at least $25 at a participating restaurant during the Atlanta Downtown Restaurant Week campaign, August 9 to August 17, 2014, you will receive a $5 statement credit.You may register more than one Card for this offer, but only those Cards you register individually will be eligible for the offer. For a list of participating restaurants, visithttp://www.atlantadowntown.com/fun/restaurant-week.An "eligible American Express Card" is a valid American Express Card issued in the U.S. by American Express, Department Stores National Bank, Bank of America, First National Bank of Omaha, Citibank, USAA Savings Bank, Barclays Bank Delaware, Pentagon Federal Credit Union, and GE Capital Retail Finance; however, certain Cards are not deemed eligible, including corporate cards and all prepaid card products (other than American Express Serve).If you have problems with your registration or your Card is replaced during the promotional period, call the customer service number on the back of your Card for assistance.Registration is limited.Statement credit will appear on your billing statement within 90 days after the offer end date, provided that American Express receives information from the merchant about your qualifying purchase.If American Express does not receive information that identifies your transaction as qualifying for the offer, you will not receive the statement credit.For example, your transaction will not qualify if it is not made directly with the merchant.In addition, in most cases, you will not receive the statement credit if your transaction is made with an electronic wallet or through a third party or if the merchant uses a mobile or wireless card reader to process it.Additional terms apply; see Registration Terms and Conditions for details. POID: BET5:0001
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Driver's License Required to Add Money to Paypal?
Added on : Monday July 28th 2014 06:00:11 AM
g: 0 Posted By: unit9174
Views: 105 Replies: 0 I recently sold an item on eBay, which I have not done much in recent years and the buyer annoying filed a dispute with eBay the day after receiving it claiming it is defective, leaving me with a negative balance. I now have the item back and would like to refund the buyer but they are requiring copies of certain documents, copy of DL, copy of utility bill, copy of SS card. I don't wish to provide those. They claim it is b/c of Patriot Act. I've used PP for over 10 years and never had this come up. They have my SSN, at least for tax reporting purposes and I have a BML account linked to my PP account.

They also claim I've never added funds to my PP account in 10 years, which I disagree with but can't confirm. I checked for transactions from 2004 and 2005 when I was first using PP and it couldn't find any transactions at all, let alone adding funds. The claim the dispute did not trigger this but the attempt to add funds did.

Any way around this or must I hand over the documents to use it?

BTW, I did check for the PP FAQ and the link atA Guide to Maximizing the Usefulness of FW Financeprovide a link toPAYPAL and other Online Payment Serviceswhich just leads to FWF homepage, not to the FAQ I'd expect.
Personal Finance Deals
PetsMart Biggest Sale of the Year (Up to 30%)
Added on : Sunday July 27th 2014 06:00:02 PM
g: 0 Posted By: NorCal2013
Views: 236 Replies: 0 PETsMART has a sale for both in store and online purchases. Save are up to 30%. See the link below and click on the pictured pet for those pet products that pertains to your pet needs.

http://www.petsmart.com/sale/cat-36-catid-900000
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FHA 203(k) Questions
Added on : Sunday July 27th 2014 04:00:07 PM
g: 1 Posted By: scottybweyy
Views: 50 Replies: 1 I'm considering purchasing a multi-family quadplex and had some questions on FHA 203(k) loan.

1.) When searching the lender liston the HUD site, I return 0 lenders when searching for those who have done a 203(K) loan in the post 12 months in SC. Does that mean 203(k) loans don't exist in my state?
2.) What national lenders will allow appliance purchases with this program?
3.) Is there a lender where I can qualify for both a conventional FHA and a 203(k) loan in case I decide to only go conventional?
4.) I have read that you need working capital since the draws to pay contractor milestones are typically delayed ~60 days. Is it possible to do a 203(k) without paying contractor personally?




Question Deals
replacing or rebuilding transmission
Added on : Sunday July 27th 2014 04:00:07 PM
g: 0 Posted By: davidbeckham
Views: 87 Replies: 1 I had my transmission with only 70K miles out from my Kia 2008 spectra a few weeks ago and was quoted from $1200-1800 for repair in NYC, and I ended up paying $1200 for them putting in a used one with 50K miles on it. There is a couple things I noticed while shopping around. Some Auto Body was only offering me for rebuilding tranny for $1600-1800, and others told me that usually they would look for a used one first and then if there wasn't any available they would look into the rebuilt option because a high percentage of rebuilt transmissions fail after a year or two . I understand that rebuilding costs more so that the shop would earn more from labor. Other than that, Is there any incentive for shops to push for rebuilding rather than getting a used one? Why did those shops not like to offer a used replacement first? I am trying to get some insight into this industry and figure out who is the honest guy here.
Question Deals
g: 0 Posted By: peterlin
Views: 202 Replies: 0 This might not be as good as last week's hard to get Diapers + Wipes Combo, but Target has a deal this week on Pampers diapers again. You get a $20 gift card for buying 2 Giant Packs, and you get an additional $10 off $40 if you do in-store pickup. The total is $54.98 or $52.23 by getting an additional 5% using a REDcard. Most sizes seem to be available at the time of posting.

2 xPampers Swaddlers Giant Pack with $20 Gift Card= $54.98 ($52.23 with REDcard)

If you prefer Baby Dry or Cruisers diapers, those qualify too, but the prices are slightly different.

2 xPampers Baby Dry Giant Pack with $20 Gift Card= $53.98 ($51.28 with REDcard)
2 xPampers Cruisers Giant Pack with $20 Gift Card= $59.98 ($56.98 with REDcard)
Baby Deals
g: 0 Posted By: ctgolfer
Views: 201 Replies: 0 Featuring a beautiful 21.5-inch widescreen display and an impossibly thin enclosure that's only 5 mm at the edge, the stunning all-in-one iMac has been updated with a fourth-generation quad-core Intel Core processor ? making it the most powerful iMac yet. And it comes standard with 8 GB of memory, a 1 TB hard drive, and advanced, high-speed I/O, including two Thunderbolt ports and four USB 3 ports. The iMac also now supports next generation 802.11ac Wi-Fi. The 21.5-inch iMac is just 5mm thin at its edge and features a bright display with 75 percent less reflection.

This version of the 21.5-inch iMac features a 2.7 GHz Intel Core i5 quad-core processor as well as Intel Iris Pro integrated graphics, which delivers discrete graphics-level performance (see full specifications below). It also comes with OS X Mountain Lion and the iLife software suite, which includes the latest versions of iPhoto, iMovie, and GarageBand.

Fourth-Generation Intel Core Processor

Since OS X is designed to take advantage of each core, the fourth-generation Intel Core i5 quad-core processor (based on the latest Haswell architecture) captures every bit of performance from the processor. When you need more power for a processor-intensive application like Aperture or Final Cut Pro, Turbo Boost 2.0 automatically increases the speed of the active cores. And by shifting core frequency in small increments, Turbo Boost allows the processor to manage performance without sacrificing efficiency.

This model is powered by a 2.7 GHz quad-core Intel Core i5 processor with Turbo Boost speeds up to 3.2 GHz. It's complemented by Intel Iris Pro integrated graphics, which delivers a built-in, eye-popping visual experience ? no extra graphics card required.

802.11ac: The New Definition of Fast

The iMac now supports ultrafast 802.11ac Wi-Fi. When connected to an 802.11ac base station including the new AirPort Extreme and AirPort Time Capsule ? wireless performance is up to three times faster than with the previous generation. And your Wi-Fi range improves as well.

Vivid Display

Nothing will distract you from what you're viewing on the iMac's 21.5-inch display thanks to the innovative display design that reduces reflection by 75 percent while maintaining brilliant color and contrast. Additionally, in-plane switching (IPS) technology gives you a bright picture with excellent color from nearly any angle while the LED backlighting offers instant-on, uniform brightness.

Thunderbolt and USB 3

Delivering an amazing 10 gigabits per second of transfer speeds in both directions, the ultrafast and ultraflexible Thunderbolt port allows you to move data up to 20 times faster than with USB 2.0 and more than 12 times faster than with FireWire 800. You can also daisy-chain up to six Thunderbolt-compatible peripherals without using a hub. Thunderbolt also supports DisplayPort for high resolution displays and works with existing adapters for HDMI, DVI, and VGA displays.

The iMac also comes with four USB 3 ports, enabling you to connect your external hard drive and transfer large files in seconds instead of minutes with speeds up to 10 times faster than USB 2. And you can connect all your USB-compatible devices, including your iPhone, iPad, iPod, or digital camera.

Clutter-Free Desktop

You'll be able to cut the cord with the included Wireless Keyboard and Magic Mouse, both of which connect to the iMac using Bluetooth wireless technology. Additionally, the Magic Mouse features a seamless Multi-Touch surface that enables you to use the same intuitive gestures used on the MacBook trackpad to easily scroll through long documents or swipe to move forward or backward through a collection of web pages or photos.

And with the FaceTime HD camera placed above the display in the iMac's thin aluminum and glass design, you'll be able to make video calls in HD 720p resolution to friends and family on another iMac or MacBook. Additionally, you'll be able to connect to those using a FaceTime-enabled iPad, iPhone, or iPod touch. <

Apple Magic Mouse:

Magic Mouse is unlike any other mouse you've ever used. The entire mouse is the button, so you can click anywhere. And it can be configured as either a single- or two-button mouse.

Apple Wireless Keyboard:

The sleek aluminum Apple Wireless Keyboard lets you type in front of your computer, on your lap, or anywhere within range. It's also incredibly thin and streamlined, so it sits on your desk surrounded by nothing but glorious space.

Display:

21.5-inch (diagonal) LED-backlit display with IPS technology; 1920-by-1080 resolution with support for millions of colors.

Processor:

2.7 GHz quad-core Intel Core i5 (Turbo Boost up to 3.2 GHz) with 4 MB shared L3 cache.

Storage:

1 TB (5400 RPM) hard drive

Memory:

8 GB of 1600 MHz DDR3 memory (two 4 GB; maximum of 16 GB)

Graphics:

Intel Iris Pro internal graphics processor

Video:

Thunderbolt digital video output (native Mini DisplayPort output); compatible with DVI, VGA, and dual-link DVI output using optional adapters:

Audio:

Stereo speakers; dual microphones; headphone/optical digital audio output (minijack); support for Apple iPhone headset with microphone

Connections:

Two Thunderbolt port (up to 10 Gbps)

Four USB 3 ports (up to 5 Gbps; compatible with USB 2)

SDXC card slot

Gigabit Ethernet port

Kensington lock slot

Communications:

802.11ac Wi-Fi wireless networking (802.11a/b/g/n compatible); Bluetooth 4.0

Camera:

FaceTime HD camera

Size and Weight:

20.8 x 17.7 x 6.9 inches; 12.5 pounds

What's in the Box:

iMac

Apple Wireless Keyboard

Apple Magic Mouse

Power Cord

www.ebay.com/itm/Apple-iMac-ME086-21-5-Inch-Desktop-1TB-Brand-Ne...
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Can I get rewards (cashback, cc pts) from paying off a HELOC?
Added on : Saturday July 26th 2014 03:00:05 AM
g: 0 Posted By: evercl92
Views: 624 Replies: 4 I bought house #2 with a HELOC on my first house($50k ish). I also have a vehicle loan through the same bank ($16k ish). I'm selling house #2 shortly and had planned to pay onto both of these pretty heavy (thus the hopeful potential of a lot of bonus rewards). I checked with DiscoverCard and Chase (my account is showing offers for 0% transfers), to see if I a balance transfer or cash advance counted toward getting reward points. Both said that they didn't give points for those.

That said, is it typical for a bank to accept a credit card payment ? Any other options to get some bonus out of this?
Credit Deals
Verizon Wireless Promotion...4GB of data for the price of 3GB
Added on : Friday July 25th 2014 03:00:05 AM
g: 0 Posted By: Elric428
Views: 193 Replies: 0 For those currently on the 3GB of datafamily plan, Verizon is currently offering 4GB of datafor a year for the same price. In order to receive this promotion you have to call Verizon and ask about it.
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Disney Store BOGO Free, F/S @$75 (exclusions apply)
Added on : Friday July 25th 2014 03:00:04 AM
g: 1 Posted By: ichabod
Views: 183 Replies: 0 The Disney Store has some items on sale for buy one get one free. http://www.disneystore.com/ Now if only I could figure out a way to get myself in a pair of those Darth Vader jammies....oh to be a kid again.

Free shipping over $75 with code SHIPMAGIC. I did have to play around with this code by adding a few on-sale items, not in the BOGO section. But they were still on sale so I got some great deals. So buyer beware, that you might have to play around with your shopping bag to receive the discount. Otherwise shipping is pretty high and might be a dealer break for some.

Some great stocking stuffers in there. I got 2 mugs, 2 personalized beach towels (personalization added $4.95 which was not BOGO), 2 journals, 2 totes, 2 tumblers, 1 popsicle kit, 1 adult t-shirt, and 1 Christmas ornament for $78 with free shipping.

SAMPLE BOGO
Beach Towel $9.99 (reg $16.99) -http://www.disneystore.com/minnie-mouse-beach-towel-personalizab...
Monster's Inc Mug $4.99 (reg $12.95) -http://www.disneystore.com/mike-wazowski-mug-monsters-inc/mp/135...
Muppet Tote $2.95 - http://www.disneystore.com/the-muppets-reusable-tote/mp/1347661/...
Pixar Journal - $16.95 - http://www.disneystore.com/disney/pixar-journal/mp/1352715/10002...

ON SALE BUT NOT BOGO
Mickey Tumbler $4.99 (reg $9.95) - http://www.disneystore.com/disney/pixar-journal/mp/1352715/10002...
Popsicle Mold $4.99 (reg $9.95) - http://www.disneystore.com/mickey-mouse-popsicle-molds-summer-fu...
T-shirt $12 (reg $16.50) - http://www.disneystore.com/mickey-mouse-tee-for-women/mp/1320842...
Ornament $7.99 (reg $14.95) - http://www.disneystore.com/sorcerer-mickey-2014-frame-ornament-w...

Buy One, Get One Free Promotion Restrictions: *Offer begins July 25, 2014 and expires 11:59pm PST, July 27, 2014 or while supplies last, whichever is earlier. Buy One Get One pricing only applies when you purchase eligible promotional items from the Buy One Get One category in quantities of 2. Regular prices apply when purchasing a single item or purchasing in odd-numbered quantities. Free pricing will be applied to the item with the lowest retail price. Merchandise must be exchanged for identical item or returned at discounted price with valid packing slip. No adjustments to prior purchases. Offer only valid on phone orders and orders placed online at DisneyStore.com. Not valid on purchases made at Disney Store and Disney Baby Store retail and outlet locations. Discounts based on original retail prices. Intermediate markdowns may have been applied. Disney E-Commerce reserves the right to cancel or modify this offer at any time. Void where prohibited. Valid on select merchandise only.

Here's how to redeem your Free Shipping On Your Order of $75 Promotion Online:

Place at least $75 worth of eligible items in your bag.
Type the Promotion Code SHIPMAGIC into the promo code area.
The promotion will be applied, if eligible.
Continue shopping or begin checkout.

Free Shipping on orders over $75 Online Promotion Restrictions: Offer expires 11:59 pm PT, December 31, 2014. Free Shipping applies to Standard Delivery on orders over $75 sent to a single shipment address in the U.S. Certain products excluded, as noted on specific Product Pages. Qualifying purchase based on pre-tax, post-discount amount and excludes Shipping & Handling charges, D23 Memberships, gift wrap & gift boxes. The Promotion will be applied, if eligible. Additional Shipping & Handling applies for select items. If any single order is sent to more than one address, Shipping & Handling charges will be applied to each shipment address. Offer valid on phone orders and orders placed online at DisneyStore.com. Not valid on purchases from Disney Store retail, Disney Baby Store retail, outlet, or Disney Parks and Resorts store locations. Disney E-Commerce reserves the right to cancel or modify this offer at any time. Void where prohibited.
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Free Kindle Book- I Want to be on TV!
Added on : Friday July 25th 2014 02:00:04 AM
g: 0 Posted By: remick
Views: 144 Replies: 0 http://www.amazon.com/gp/product/B00BPXWEOQ

Have you ever wondered how those kids on TV got there? Does your child have what it takes to be a working actor in Hollywood? If you've ever been interested in exploring how to have your kid become an actor in Los Angeles then "I WANT TO BE ON TV" is the book for you. This is a "how to" book of what it takes to get an agent or manager in Los Angeles without spending thousands of dollars. Once you have representation the book will also explain about headshots, Coogan accounts, acting coaches, work permits and what is expected of you and your child on set. All this information is interspersed with real life stories that have happened to parents and kids at casting offices and on set. Some are funny, some sad and all are true. They can be helpful guides of what to do and what not to do when navigating the crazy world of showbiz.
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How to maximize rewards from this situation? (or get any at all)
Added on : Friday July 25th 2014 12:00:04 AM
g: 0 Posted By: evercl92
Views: 60 Replies: 0 I bought house #2 with a HELOC on my first house($50k ish). I also have a vehicle loan through the same bank ($16k ish). I'm selling house #2 shortly and had planned to pay onto both of these pretty heavy (thus the hopeful potential of a lot of bonus rewards). I checked with DiscoverCard and Chase (my account is showing offers for 0% transfers), to see if I a balance transfer or cash advance counted toward getting reward points. Both said that they didn't give points for those.

That said, is it typical for a bank to accept a credit card payment ? Any other options to get some bonus out of this?
Credit Deals
Maximum Time To Issue Refund
Added on : Thursday July 24th 2014 10:00:10 PM
g: 1 Posted By: Airking21
Views: 38 Replies: 0 Hey guys and gals, new here and recently found myself in a bad situation regarding getting credited for a refund. Hope someone can give me some advice or guidance on what I should do next. I know there are probably laws out there to help someone like me but I can't find anything specific. I recently had a charge go bad where the merchant was doing a terrible job with a service, sloppy with their work and were impossible to get on the phone. I was losing time and more money cleaning up their mistakes. Luckily I got the service canceled (in writing) and they agreed to issue a refund (in writing) but are telling me I have to wait 30 days before they submit the refund (this is not and does not include processing time). I paid with a credit card and know a little about my time limits to request a charge back (60 days I think). I'm uneasy about giving the company 30 days to issue the refund because I have never had an issue like this before where it would take so long to even put the request in, and two it puts me really close to my 60 day window for a chargeback if I wait. The amount in question is a couple $1k's. Any advice on what is an acceptable time for a company to issue a refund, is 30 days excessive? I know sometimes they say wait 7-10 business days for it to show up on your statement, but that is usually after they issued the refund and that is not what is happening here. The company mentions a "money back guarantee" on their site but does not describe their cancellation or refunds process, nor do they describe the money back guarantee in any detail other than those words. The receipt I was emailed doesn't mention much other than transaction date/time, customer name, address and email, and total amount. I feel like I'm being lead on and don't want to get burned.

This USA.gov article mentions 7 days to issue a refund, but that is for physical items and says another rule applies to services (which is my case) but doesn't say which rule that is or where to look for it:
http://www.usa.gov/topics/consumer/smart-shopping/home-shopping/...

I placed the order over the phone and the company is in a different state.


Any advice on what my next steps are/should be?
Question Deals
g: 0 Posted By: lovelybones
Views: 160 Replies: 0 http://www.amazon.com/Brightech-PocketEnergy2-Integrated-Lightni...
Sold by Brightech and Fulfilled by Amazon


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

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

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


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


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

The new method:

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

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

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

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

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

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


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

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

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

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

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

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

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


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


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

The new method:

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

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

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

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

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


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

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

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

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

4) Business/Estate/Trust case: You want references to advanced markets on their website. If it's something ongoing like COLI, BOLI, deferred comp, etc. you want to ask them who they use for an advanced markets TPA. If they say they are their own advanced markets TPA then ask if they provide ongoing reporting services to the companies. If they say no than ask them if they work with an advanced markets TPA that does (regardless if you need it). Also, if you're a big Business/Estate/Trust than M Group needs to be one of the life brokerage firms in the mix since they're basically the only major life brokerage in the business (that I'm aware of) that has been granted proprietary carrier pricing instead of just proprietary access that many advanced markets TPAs are capable of getting.
Discussion Deals
Spyder Popstretch Hoody Jacket - Women's $69.95 FS @ Usoutdoor
Added on : Thursday July 24th 2014 09:00:04 AM
g: 0 Posted By: tedhawkins
Views: 111 Replies: 0 Spyder Popstretch Hoody Jacket - Women's $69.95 FS @ Usoutdoor

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

Add a bit of pop to your activewear with the Popstretch Hoody from Spyder. This womens hoody is made specifically for the female figure, with style to match your active life. The Popstrech womens hoody from Spyder is made from a 360 Stretch Solid Knit Micro Fleece material that is super cozy and features an Anti-Pill finish to ensure it will keep its fabulous look even after years of wear. This hoody features zippered pockets on the sleeves, hand pockets and new custom zippers. The Spyder Popstretch Hoody is perfect for layering in cold weather or those brisk mornings at the yoga studio.
Clothing Deals
Ending $1 a share for some money funds
Added on : Thursday July 24th 2014 05:00:21 AM
g: 0 Posted By: GoldenSacks
Views: 115 Replies: 1 http://bigstory.ap.org/article/sec-poised-end-1-share-some-money...
Limiting floating prices to the funds favored by big investors could lead those investors to exit quickly at a time of stress and leave "retail investors holding the bag" in other funds that could be damaged.
Investing Deals
g: 0 Posted By: ctgolfer
Views: 150 Replies: 0 One Dozen Diabetic Socks

Crew Socks
90% cotton, 5% polyester, 5% elastic

Comfortable and non-binding

Great for those suffering from diabetes, edema, neuropathy, or circulation problems

Available in sock size 10-13fits shoe sizes 9-13
All Black Color

www.discountedrack.com/products/12-pairs-diabetic-socks
Clothing Deals
Polk Audio N1 39-Inch Bluetooth Soundbar $149.99 @ Amazon
Added on : Wednesday July 23rd 2014 09:00:07 PM
g: 0 Posted By: ctgolfer
Views: 85 Replies: 0 Sold by Woot and Fulfilled by Amazon

In the first collaboration of its kind, Polk engineers working with Halo and Forza sound designers, created optimized custom gaming immersion modes that reveal more of any game than you've ever heard before
Tailor your audio experience with four Immersion Modes (Forza Motorsport Racer, Halo FPS, Music and Cinema).
Connect directly to your console and unleash an immersive gaming experience with onboard Dolby Digital and Polk's patented SDA Surround Sound Technology
Feel the impact of deep bass with Polk's exclusive built-in Full Complement Sub Bass Drive technology - no subwoofer required - but, for those who really love big bass, the N1 is equipped with a sub output jack for adding an optional subwoofer
Bluetooth wireless technology with aptX lets you stream CD-quality digital audio from any Bluetooth device

www.amazon.com/gp/product/B00E1L786S/ref=gbsl_tit_l-1_0942_610ca...
Home Theater & Audio Deals

Amazon Coupons
PayPal expands to Nigeria
Added on : Wednesday July 23rd 2014 04:00:05 AM
g: 0 Posted By: xerty
Views: 9 Replies: 0 You think I'm making this up? I guess this is what you get when big companies like eBay pursue "growth" regardless of how smart it might be.

http://www.reuters.com/article/2014/07/22/us-nigeria-paypal-laun...

"PayPal signs "ten of thousands" customers in Nigerian launch"
I don't know about customers, but lots of accounts anyway. Perhaps lots of accounts is so that those pesky validated-account withdrawal limits don't get in your way of cashing out whoever's money might end up sent via PP to you.

"Citizens of Africa's most populous nation could not buy goods directly from foreign merchants before the launch by PayPal"
I think they meant with their own CCs, as opposed to say, your CC.

At least the locals are probably familiar with fraud freezes. If you ask me, PP and Nigeria deserve each other.


Carter's Tiny Prints $20 off $40
Added on : Wednesday July 23rd 2014 03:00:03 AM
g: 0 Posted By: sunshinebrown
Views: 184 Replies: 0 Carter's

In-store promotions valid only in Carter's retail stores in the U.S. and Puerto Rico. Online promotions valid at carters.com. Online prices, promotions and selection may differ from those in our retail stores. Not valid for cash. No adjustments on previous purchases. Available while supplies last. Carter's reserves the right to modify or discontinue these promotions at any time.

Offer expires December 31, 2014 at 11:59 pm (PT). Save $20 off a qualifying merchandise order using the promo code at checkout. This offer cannot be combined with other offers and is valid for one-time use. This offer is not applicable to previously placed orders or toward the purchase of greeting cards, Erin Condren weekly planners, Platinum Design Service, gift cards, gift certificates, calendars or photo books. Offer is only valid on Tiny Prints and is not applicable on treat.com, third party or partner websites. To prevent fraud or abuse, we reserve the right to discontinue or modify this offer or cancel any order.


Services Deals

Carter's Coupons
PayPal Select 10 off 50 at Target. 25 off 250 at Overstock YMMV
Added on : Tuesday July 22nd 2014 12:00:04 PM
g: 0 Posted By: ingenue007
Views: 175 Replies: 0 If you log into PayPal, you may see PayPal Select. It is like AMEX offers.

Currently there are 2 decent deals including 10 off 50 at Target.com and 25 off 250 at Overstock.com. Obviously, you need to use PayPal Checkout option for those deals.

YMMV b/c you may or may not have PayPal Select.
Services Deals

American Express Consumer Coupons
g: 0 Posted By: remick
Views: 74 Replies: 0 http://www.leannebrown.ca/cookbooks/

Good and Cheap is a collection of recipes for people with limited incomes, particularly those on a $4/day food stamps budget.

My first cookbook! From Scratch is a vegetarian cookbook intended for people just becoming comfortable in their own kitchens.


Totally Free Deals
First Gear Motorcycle jacket $30 net after giftcard
Added on : Monday July 21st 2014 01:00:04 PM
g: 0 Posted By: LORENW
Views: 215 Replies: 0 Motorcyclegear.com
Having trouble viewing? Open in a web page by clicking here. Almost Free #29

FirstGear Rush Mesh Jacket,Net Cost Just $29.95!Summer is coming to an end, so we thought we'd throw out a red hot deal while you can still get some use out of your summer gear this season! The deal is: Buy this jacket for $179.95 plus shipping and you'll get a $150 gift card in return to use towards a future purchase, so your net cost is just $29.95 plus shipping! This jacket went on closeout a few weeks back. We like this product and decided to buy the whole lot. That's how I can offer you this great "Almost Free" deal today. But it won't go on for long... so hurry!The Rush Mesh Jacket is designed for hot weather use. The entire shell of this jacket is constructed of flow through mesh material so youll get the most flow possible out of a protective jacket. I find that wearing a full mesh jacket like this will also help protect from sunburn and windburn. This jacket also has a removable windproof/waterproof full sleeve liner. When things cool off a bit, you can install the liner to widen the comfort temperature range. And with a layer underneath you could wear this jacket down to cool temperatures.









Nearly every size available in mens Small thru XXXL in these three colors. Tall sizes are available too!

Fine Print: Here are details on how the Promo Gift Cards are issued. You can request the gift card as soon as you've received your order and confirmed you will be keeping it (not exchanging or returning). If you don't make an early gift card request, it will be automatically issued in 30 days.

Restrictions for this Almost Free Sale:
1) We do not allow you to purchase this product with a Gift Card issued as a result of this sale or any prior "Almost Free" sale (our cart will allow it, but we will subsequently cancel the order, so please don't make us jump through that hoop!);
2) Likewise, you cannot purchase this or any future "Almost Free" sale item(s) with the Gift Card issued as a result of this sale;
3) Orders not eligible for free shipping. Shipping charges apply to all shipments from our TX warehouse including this jacket. You may add extra merchandise, but shipping will be charged. Merchandise shipping from other locations is eligible for free shipping (if over $89);
4) Any percentage off coupons you may hold may not be applied to the purchase price of this item (although other items in your order may be discounted if not otherwise excluded by brand);
5) This sale is for our private customers/consumers. Purchases from resellers are not welcome and will be cancelled. Limit 2 per customer please!

Your cooperation is appreciated:There are a lot of outstanding Almost Free gift cards. Admittedly, we don't have special software in place to prevent an order from being placed with a previous Almost Free gift card, but we do manually screen all orders placed using store credits. So please, save us both some time and don't use those previous Almost Free Gift cards!


Here's Why You'll Love Shopping With Us: Expert Product ReviewsFree Shipping/Easy ReturnsGreat CloseoutsEarn Cash, Sell Used Gear in the Customer's Closet

Personal Customer Support
Family Owned/Operated for 15 Years
Thanks for your business!

Paul Thompson, OwnerMotorcycleGear.com
New Enough, LTD
405 Clovis Road, Unit 83
Shallowater, TX 79363


Five Paris Hotels: "Pay What you Want" promo thru 8/10
Added on : Monday July 21st 2014 11:00:09 AM
g: 0 Posted By: DSJ
Views: 1 Replies: 0 The three- and four-star hotels taking part in the scheme are located in the city's 9th and 11th districts -- a little away from the city's tourist centres. The owners are bullish about the prospects and confident that clients will not abuse the scheme.Tourists often complain about high hotel rates in Paris and tiny rooms. France attracts more tourists than any other country in the world.The scheme will run until August 10 and will be available only to those who have made bookings through the websitewww.payezcequevousvoulez.net(Pay what you want)."It's a fair price operation, one of confidence in the client," said Aldric Duval, the head of the Tour d'Auvergne hotel, and the man who came up with the idea.Guests will pay whatever they want, based on their impressions of the hotel, the room and the service.The experiment could be extended if it works and clients don't abuse it.
g: 0 Posted By: ctgolfer
Views: 118 Replies: 0 Nikon 50mm f/1.8 AF Nikkor Prime Lens

Description

The Nikon 50mm is a compact standard or prime lens. Use it to enjoy real-life sharp and saturated colors as well as sharp and contrast monochrome. Its compact optics provide a close representation of our normal perspective.

Key Features

Groups/Elements: 5/6
Closest focusing distance: 1.5'
Wight: 0.34 lb
Length: 1.5
External front filter: 52mm

Please note autofocus information:
Autofocus will work with cameras that have a focus motor, for other cameras this is a manual focus lens.
Autofocus works with: D50, D70, D80, D90, D100, D200, D300, D7000, D7100, all pro models (D1, D2, D2, D3, D4, DF). Models derived from those (D300s, D3x, etc.)
Autofocus will not work with: D40, D40x, D60, D3000, D3100, D3200, D3300, D5000, D5100, D5200, D5300

www.ebay.com/itm/Nikon-AF-Nikkor-50mm-f-1-8D-Autofocus-Lens-for-...
SLR & dSLR Deals

eBay Coupons
Corp To Corp versus 1099 Sole Prop Consulting? Pros/Cons?
Added on : Sunday July 20th 2014 07:00:07 PM
g: 0 Posted By: robronson
Views: 33 Replies: 0 I'm currently doing 1099 consulting. I've considered doing Corp To Corp (C2C) consulting such that I can form an S-Corp, hire myself as a W2, pay for things such as HSA Contribution pre-FICA tax, retain some of the money in the business to avoid SE Tax, and also to enroll in state unemployment because I believe my line of work will be dying out in the next 6 to 36 months. I see UI as a net positive given the tax-deductible cost of enrolling a single employee compared to 6 months of payouts when my consulting work eventually dries up.

Further, I work through third-party consulting firms through a loose relationship where they land me gigs, and a few of these consulting firms do not offer 1099 relationships, only W2 (through them) or C2C. I refuse to be someone else's W2.

Third point is I started a thread earlier this year that fizzled out, where I suggested it may be beneficial to have two separate entities to perform consulting through, such that you may be able to reduce state income tax. For example, perhaps you can do work in NY/CA through your S-Corp, max out your HSA contribution, Employee and Employer 401k Contribution, etc, through that S-Corp, and then the second part of the year, if you do work in TX/FL, you do it through your Sole Prop without any deductions. In theory, if you did everything through one entity, you'd have to reduce your 401k contributions/etc across all income equally such that you only get to deduct a portion of your deduction against your NY/CA income versus if you separated entities, you could say the S-Corp got all of those tax benefits and reduce taxes owed to the high-income tax states.

Fourth point is the ability to mess with income tax withholding through your S-Corp. Suppose you work Jan through August as a 1099 and decide to pay nothing in quarterly taxes. But then you withhold your entire paycheck from your W2 September through December and mail those to the IRS biweekly. I know married couples do this trick where husband does 1099 and underpays quarterly taxes and wife adjusts her withholding the last few months of the year to compensate. No penalties. Not sure if this works as an individual.

My biggest concerns with using an S-Corp are:

1) If I have to register as a foreign entity in each state I do consulting in. That seems like a hassle, and expensive. I think California was $500 to register as a foreign entity per year. I am nearly certain as a sole prop this is not necessary.

2) How difficult doing payroll for myself as a W2, filing UI payments with the state, etc. I've never used an accountant. I prefer learning things myself and handling as much as I can, and so far as a 1099, it's cake. I prefer this because as a true fatwalleteer, I use my understanding on a daily basis to plan the year out. I don't wait until April of the following year to talk to my accountant only to learn I should have done something differently the previous year. Doing things myself has a huge net positive benefit that exceeds the cost savings of paying for the accountant.

3) Anything else I missed?

Tax Deals
Xbox One @ Target $350 after $50 GC
Added on : Sunday July 20th 2014 04:00:07 AM
g: 0 Posted By: cwhiteh2
Views: 185 Replies: 0 for those who missed out on last weeks $306 Pinwheel deal...the weekly ad has the console with a $50 GC at $399.

http://weeklyad.target.com/tampa-fl-33611/pages#18-19
Xbox One Consoles Deals

Target Coupons
g: 0 Posted By: remick
Views: 7 Replies: 0 http://www.amazon.com/gp/product/B00KVWH5O6

A woodcock hunters abstract -- and sometimes opinionated -- perspective for hunting in the 21st century. Although the tips and strategies are beneficial to all woodcock hunters, it is geared mostly toward those that already have a basic understanding of this misunderstood bird.
Books & Magazines Deals
Prevacid $10 eGift card from Walmart
Added on : Saturday July 19th 2014 07:00:07 AM
g: 0 Posted By: PutThatCoffeeDOWN
Views: 92 Replies: 0 Got an email last tonight to redeem my $10 eGift card to WalMart. This is just a heads up to those who signed up and jumped thru the hoops for this deal.

Couldnt find a thread about this...perhaps I found deal on SD?
Surveys & Rewards Deals
g: 0 Posted By: remick
Views: 56 Replies: 0 http://www.amazon.com/dp/B0084JDD44/

Here are the chapters in Volume I. They'll give an idea of how far this segment will take you:

Introduction
Chapter One - The Basics
Chapter Two - Game Selection (Rule/Number of Decks/Penetration)
Chapter Three - Basic Strategy
Chapter Four - The Running Count
Chapter Five - True Count Conversion
Chapter Six - Betting Basics
Chapter Seven - Advanced Strategy

Hype...

The radically new information is in Volume II and III, but there's new stuff mixed into "the fundamentals" that I've never seen in print.

The riddle of five and six...
What they didn't tell us about penetration...
How to calculate blackjack frequency...
How to convert the true count to the quarter deck in two deck...
How to convert when a fourth or half deck is burned off the top...
Another look at those "other players"...
Advantage doubles as distance is halved...
Standard deviation simplified...
How long we can be behind...
Depth charging taken a few steps further...
g: 0 Posted By: remick
Views: 110 Replies: 0 http://www.amazon.com/gp/product/B00JOYF70G/

Quite often the students of Architecture get confused during the first few years of their studies in the University. The confusion arises due to a number of genuine reasons. Unlike the jobs of a Chemical or Computer Engineer, the works of an architect is openly seen, understood, appreciated or criticised by the common people. The architects create something which is used by all. Naturally the students of Architecture know or believe that they know about the works of the Architect. But then they discover that the knowledge they are taught or the problems they are assigned during the first few years do not have any resemblance with the works of an architect.

In doing architectural design the architect needs to know and apply the knowledge of a lot of subjects in order to take care of the various aspects of the builtform. Prominent among these aspects are: Visual, Functional, Climatic, Acoustics, Tactile, Olfactory, Cultural, Psychological, Social, Material-related, Structural, Economic, Constructional etc. Of all these, the visual aspect is the first and foremost aspect to learn. The principles of creation of visual beauty have been devised mostly by the artists. In the universities, the teachers of architecture also use those, even though in the contemporary age, the job of the architect is in no way comparable with those of the Artists. In Artists creation and evaluation what matters most is emotion and not logic. On the other hand the Architects design must have logical basis, because design is only a part of their job. The job in its entirety depends upon materialization through construction. This reality demands that the principles for creation of beauty followed by the Architects should be different more of logic-based, and not emotion. For the students of Architecture, Composition is the mother subject of creation of beauty. In this book endeavour has been done to present Composition more of a logic-based subject.

If the Architects works are taken to be the light-house to which the students shall proceed, alike the rowing of the boat Composition is the most essential skill to acquire. Some of the thoughts presented in this book are entirely my own and the responsibilities go only to me.

Architecture is a creative subject. No creative subject can in fact be taught to the students. They can only be taught the methods and skills for such creation. The sole purpose for which I have written this book is to make the first learning experience of the students of Architecture enjoyable and pleasant. If the students find it helpful, I shall consider my pains worthwhile.
Books & Magazines Deals
BenBat YummiGo Booster Seat & Storage in 2 Colors $23.99 @ Woot
Added on : Friday July 18th 2014 09:00:03 PM
g: 0 Posted By: ctgolfer
Views: 127 Replies: 0 shipping adds $5

This portable booster seat has ample space for your child's daily essentials
A lightweight, compact and stylish design
Designed as a stylish carrying bag so you can easily take it with you anywhere, to restaurants or to relatives
Choose from 2 stylish colors:
- Lime Green / White / Brown
- Orange / White / Brown
A must-have when traveling with a baby or toddler
No need to sit your child on your lap or to use those unappealing public booster seats
Phthalate Free, Lead Free and BPA Free
Parents love the quick set-up, easy clean-up and storage space
Kids love being like one of the grown-ups at the table
Storage space lets you keep everything at your fingertips
Folds Conveniently into a trendy bag
Straps connect easily to most chairs
3-point safety harness keeps your child securely seated
Easy to clean, just wipe off

http://kids.woot.com/offers/yummigo-booster-seat-storage-2-color...
Baby Deals

woot! Coupons
Sherwin Williams - July 18-21 - 40% off Paints, 30% off supplies
Added on : Friday July 18th 2014 07:00:03 AM
g: 0 Posted By: MeIsCheap
Views: 140 Replies: 0 The store clerk said this is the best sale of the year for them. Was hoping the 30% off would apply to sprayers, but those & ladders are excluded.
Home & Garden Deals
New Discover card (2% cash back on gas and restaurants)
Added on : Thursday July 17th 2014 06:00:07 PM
g: 0 Posted By: TooManyCards
Views: 102 Replies: 1 Discover has issued a new card, apparently (and confusingly) called "Discover It Chrome." It's a Cash Back card that pays 2% Cash Back on gas and restaurants (subject to a cap of $1,000 combined spending in the two categories per quarter), 1% Cash Back on everything else.

https://www.discovercard.com/cardmembersvcs/acqs/app/display?pageFileId=listingsite-chrome

I'm curious whether Discover will allow an account holder to hold both this and the Discover It (non-chrome; this will get confusing) cards at the same time.

I'm vaguely interested in this card, but since I use the Fidelity Amex that gives 2% on everything, this really only helps me for those places that take Discover but not Amex. I don't think there are a whole lot of places that fit into that category, so I'll probably pass on this one, but I'm interested in seeing how it plays out.
Deal Deals
g: 0 Posted By: ILoveToRead
Views: 101 Replies: 1 If you like Epic Fantasy Genre here are some deeply discounted and even free books (and audiobooks) with links to many platforms. I personally prefer Google Play, but many like Amazon more so I include that plus a few more platforms for those like myself. All but the last one are things I read and recommend. I will add more in a bit either here, wiki or comments.
-----------------------------------------------------------------------------------------

$2.99. Awesome deal given how HUGE the book is (it's 1005 pages, the size of most Trilogies!) , not to mention how good!
The Way of Kings
Brandon Sanderson
4.5 out of 5 on google play

Widely acclaimed for his work completing Robert Jordans Wheel of Time saga, Brandon Sanderson now begins a grand cycle of his own, one every bit as ambitious and immersive.
Roshar is a world of stone and storms. Uncanny tempests of incredible power sweep across the rocky terrain so frequently that they have shaped ecology and civilization alike. Animals hide in shells, trees pull in branches, and grass retracts into the soilless ground. Cities are built only where the topography offers shelter.
It has been centuries since the fall of the ten consecrated orders known as the Knights Radiant, but their Shardblades and Shardplate remain: mystical swords and suits of armor that transform ordinary men into near-invincible warriors. Men trade kingdoms for Shardblades. Wars were fought for them, and won by them.
One such war rages on a ruined landscape called the Shattered Plains. There, Kaladin, who traded his medical apprenticeship for a spear to protect his little brother, has been reduced to slavery. In a war
that makes no sense, where ten armies fight separately against a single foe, he struggles to save his men and to fathom the leaders who consider them expendable.
Brightlord Dalinar Kholin commands one of those other armies. Like his brother, the late king, he is fascinated by an ancient text called The Way of Kings. Troubled by over-powering visions of ancient times and the Knights Radiant, he has begun to doubt his own sanity.

Google Play
https://play.google.com/store/books/details/Brandon_Sanderson_The_Way_of_Kings?id=OHclhBVv-X4C
Amazon Kindle
http://www.amazon.com/Way-Kings-Stormlight-Archive-Book-ebook/dp...
iTunes Bookstore
https://itunes.apple.com/us/book/the-way-of-kings/id376229549?mt=11

Kobo and BN Nook are $8.99 sadly, but proves the point of how hot this is I think.

Also, for those who like audiobooks once you get the Amazon Kindle 2.99 book, they will allow you to buy the audiobook version for $12.99, which is usually a whooping $63.93.
http://www.amazon.com/The-Way-Kin...150&sr=1-1

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

FREE
The Sorcery Code (The Sorcery Code: Volume 1)
4.5 out of 5 on google play
***FREE for a limited time to celebrate the release of The Spell Realm (The Sorcery Code: Volume 2)***
From the internationally bestselling authors who brought you the Krinar Chronicles comes a captivating tale of intrigue, love, and danger in a world where sorcery is entwined with science . . .
Once a respected member of the Sorcerer Council and now an outcast, Blaise has spent the last year of his life working on a special magical object. The
goal is to allow anyone to do magic, not just the sorcerer elite. The outcome of his quest is unlike anything he couldve ever imagined because, instead of an object, he creates Her.
She is Gala, and she is anything but inanimate. Born in the Spell Realm, she is beautiful and highly intelligent and nobody knows what shes capable of. She will do anything to experience the world . . . even leave the man she is beginning to fall for.
Augusta, a powerful sorceress and Blaises former
fiance, sees Blaises deed as the ultimate hubris and Gala as an abomination that must be destroyed. In her quest to save the human race, Augusta will forge new alliances, becoming tangled in a web of intrigue that stretches further than any of them suspect. She may even have to turn to her new lover Barson, a ruthless warrior who might have an agenda of his own . . .

Google Play
https://play.google.com/store/books/details/Dima_Zales_The_Sorcery_Code?id=tOYiAgAAQBAJ&hl=en
Amazon Kindle
http://www.amazon.com/Sorcery-Code-Fantasy-Romance-Intrigue-eboo...
Kobo
http://store.kobobooks.com/en-US/ebook/the-sorcery-code
iTunes Bookstore
https://itunes.apple.com/us/book/the-sorcery-code/id748224494?mt=11
BN Nook
http://www.barnesandnoble.com/w/the-sorcery-code-dima-zales/1117...

If you like audiobooks, in this case, after you get the free book on Amazon, you can get the audio for $1.99 (it's usually $19.99)

http://www.amazon.com/The-Sorcery-Code-Fantasy-Intrigue/dp/B00HK...

-----------------------------------------------------------------------------------------
FREE
The Prince of Ravens (The Exile Trilogy) by
Hal Emerson
The Prince of Ravens has vanished.
4.7 on Amazon
Word spreads quickly from the Fortress of the Empress, through the dark streets of Lucien, and to the far corners of the Empire of Ages. The Children are summoned to the Fortress, and the people talk in muffled whispers, if they dare to talk at all, of secret plots and ancient prophecies. Some say the Prince was murdered, others that he was kidnapped; but underneath it all runs a darker word, one full of terrifying possibility:

Exile.

Rumor begets rumor, and soon the whisper of truth is lost in the swirling winds of growing fear. For the Prince of Ravens is the prophesied Lord of Death, and on his shoulders rests the fate of the Empire.


Amazon Kindle
http://www.amazon.com/The-Prince-Ravens-Exile-Trilogy-ebook/dp/B...
Kobo
http://store.kobobooks.com/en-US/ebook/the-prince-of-ravens
iTunes Bookstore
https://itunes.apple.com/us/book/the-prince-of-ravens/id578065257?mt=11
BN Nook
http://www.barnesandnoble.com/w/the-prince-of-ravens-hal-emerson...
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The Darkness Abides
5 stars on barns and noble (only 1 review though)
Two men lie adrift at sea, castaway in the search for one's future, and the other in search of his past. When they drift to a land of perpetual darkness designed as an elaborate labyrinth, they begin to realize that they've stumbled upon the path toward what they each seek, but the trail may be more hazardous than they anticipated.
Released initially as a series of short installments, the entirety of this story comprises the length of a full-size novel. Readers who enjoy serialized fiction and dark fantasy with a bit of suspense will enjoy this series.

Google
https://play.google.com/store/books/details/L_Harcroft_The_Darkness_Abides_Vol_1?id=pyTuAgAAQBAJ
Amazon
www.amazon.com/Darkness-Abides-Vol-1-L-Harcroft-ebook/dp/B00IO1P...
Kobo
http://store.kobobooks.com/en-US/ebook/the-darkness-abides-vol-1...
BN Nook
http://www.barnesandnoble.com/w/the-darkness-abides-l-harcroft/1...


Please post your own finds, especially stuff you read and liked!

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Free ebook "Old Time Recipes" Kindle version @Amazon
Added on : Thursday July 17th 2014 03:00:06 AM
g: 0 Posted By: imagine1128
Views: 367 Replies: 2 Things Mother Used to Make A Collection of Old Time Recipes, Some Nearly One Hundred Years Old and Never Published Before [Kindle Edition ] Lydia Maria GurneyAuthorr
Print List Price: $7.58 Kindle Price: $0.00 You Save: $7.58 (100%)

New Englander Lydia Maria Gurney collected recipes handed down from generation to generation, and tested most of them in her own kitchen. In her foreword she explains, ""These recipes and Household Hints are written very plainly, for those who have had no experience. . .They are very simple, not expensive, and if followed closely, will ensure success.""
http://www.amazon.com/Things-Collection-Recipes-Hundred-Published-ebook/dp/B00AQM9HS8/ref=sr_1_1?s=digital-text&ie=UTF8&qid=1405601501&sr=1-1&keywords=free+kindle+books​

** new post
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Negative Balance in Chase Ultimate Rewards
Added on : Thursday July 17th 2014 03:00:06 AM
g: 0 Posted By: horse9118
Views: 17 Replies: 0 Hi guys, so I got an Ink Bold card a few weeks ago and I was thinking of closing my Sapphire Preferred since annual fee on that thing is due. So I transferred all my Ultimate Rewards points from Sapphire to the Ink Bold account. However, I didn't account the fact that I returned a TV a few days before and when the return got processed, Chase took back the points they issued me for the TV. So now I have a -445 points balance in my Sapphire UR account. The good news is that I haven't spent those points yet so I could transfer them back and bring the balance to 0. I still want to close that card, but what would Chase do about the negative balance? Would the negative points get wiped away or would Chase charge me for those points? Anyone ever have to deal with this?

Thanks
Personal Finance Deals
Financial implications of injury from auto accident
Added on : Wednesday July 16th 2014 04:00:08 PM
g: 0 Posted By: WhamBamTk
Views: 115 Replies: 0 Hello Fatwallet,

Please excuse the throwaway.

My wife was involved in a small car accident. She was rear-ended while stopped at a crosswalk. The other driver was cited.

The accident was at a relatively low speed. The other driver's car hit our trailer hitch and had some front bumper damage. Our car had some chipped paint on the bumper. No big deal; it's older.

She was experiencing some neck pain at the scene and was transported to the hospital via ambulance for x-rays. She already receives SSDI for an issue that - in part - involves her neck.

We have two uncertainties at this point:

1.) We are afraid about how our health insurance will treat this in the long term. That is to say, after this is all sorted out with the car insurance companies, would they ever blame long-term neck issues on the accident and deny payment?

2.) Is this something that requires a lawyer? The medical effects from this accident appear minor at this time, but we will know more later. Right now, we are not looking for anything but the payment of medical bills. We will not know the full extent of those for at least a few months.

I haven't seen a scenario like this on previously posted threads and would greatly appreciate any advice.

Many thanks.
New User Question Deals
Secret Code Vault Jr $9.99 + Ship @seventhavenue.com
Added on : Wednesday July 16th 2014 04:00:03 PM
g: 0 Posted By: jasclark
Views: 119 Replies: 0 http://www.seventhavenue.com/Gifts-and-Toys/Recipient/Kids/Secre...

was: $24.95
sale: $9.99

Intruders bewareour Secret Code Vault will only open for those who hold the 4-digit code! And if it's entered incorrectly, an alarm will sound. Has "accepted" and "denied" LED lights. Uses 2 AA batteries (not included). 6" w x 7 1/4" h x 4 1/2" d. Ages 4 to 10.
Toys Deals
GUNS: Nikon P-223 Rifle Scope 3-9x40 Mate BDC 600 @ $139.98 Amazon
Added on : Wednesday July 16th 2014 02:00:10 PM
g: 1 Posted By: turbotwo
Views: 772 Replies: 2 For those of you that have Amazon Prime get your Nikon scope from them.....
http://www.amazon.com/Nikon-P-223-3-9x40-Mate-BDC/dp/B006YVT0R8/...

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Private lenders who work /w a previous DIL on credit?
Added on : Wednesday July 16th 2014 09:00:08 AM
g: 0 Posted By: Dulanic
Views: 10 Replies: 0 Does anyone know of any lenders that are somewhat DIL friendly lenders that aren't government backed/funded? I know /w a deed in lieu the general rule is 2 years /w 20% down. However, I do know private lenders can do as they please and have "heard" some will work with DIL/short sale situations based on circumstances.

Details:
Last year my wife's company moved her and we had to move across country or she would have to find a new job and we stay at our home. We were underwater ~20% as our area took an excessive beating for our type of home (town-home). We attempted to short sale and the mortgage company balked at a buyers offer over $3K in closing costs which cost us the sale and we had to go /w a DIL instead. Not a huge issue, except that it extended the time before the closing of the DIL a good 6 months past what would have been our short sale closing date. Their loss, it will prob sell for 20-25K below the offer we got.

Anyways, now we are moved and looking at getting a home. My credit is 780ish, my wife's is still 700+ even after the DIL. Are there any private lenders that don't bound to follow the FHA guidelines for short sales/DIL and are known to work with DIL people? We still have all the paperwork from her work showing we had to move and that was the reason for our forclosure. We have the funds to put down as a downpayment. I've been told Credit Unions have that flexibility, but I know PenFed won't budge on those guidelines as I asked.

I could get a mortgage myself, but we want just a little more than we can get under just my income alone.
g: 1 Posted By: LightHearted
Views: 122 Replies: 1 Adorama camera has theBlackmagic Pocket Cinema Camera with Micro Four Thirds Lens Mount for $495 throughAmazon. This is 50% off. It is currently the #1 seller in professional grade video cameras.
I hear that the color grading learning curve is steep, but at this price I will take the time to learn.
This is an awesome camera for those how or are willing to take the time to learnhow to use it. Free shipping and no tax.

BMPCC

Cameras Deals

Amazon Coupons
g: 0 Posted By: remick
Views: 2 Replies: 0 http://www.amazon.com/gp/product/B0055PLK1I

4.2 out of 5 stars (21 customer reviews)

In this easy-to-use, make-it-from-scratch cookbook, Jonni McCoy, the original Miserly Mom, demonstrates that inexpensive meals can be both nutritious and mouth-watering. She offers proof that living well without spending is doable. Originally published as Miserly Meals, every recipe includes the price per serving and a nutritional analysis. Kitchen tips are an added bonus with every recipe. Simple soups, slow-cook dishes, breakfast ideas, vegetarian options, snacks, gifts from the kitchen, and more will make this the busy mom's most-used cookbook.



Grandma's Simple CookbookMG EZ 120 Recipes
http://www.amazon.com/gp/product/B00BKNAYS4

4.2 out of 5 stars (19 customer reviews)

We All Love Grandma's Cooking!
Grandma's Simple Cookbook delivers 120 OMG EZ Recipes
Basic ingredients found in every kitchen are used to prepare these easy recipes.
Grandma's Cookbook of easy to follow recipes
come from a generation raised to value time spent in the kitchen with friends and family.
Pass the legacy on, equip the next generation with the key to the kitchen. Encourage restoration of Joy in the kitchen with these easy recipes.



21 Easy Classic Recipes Every Kitchen Should Have
http://www.amazon.com/gp/product/B00CDWMAAQ/

4.3 out of 5 stars (10 customer reviews)

There are some foods you just dont appreciate until you move out on your own, and suddenly you find yourself missing moms meatloaf.
Sometimes when I am homesick, theres nothing like baking a batch of moms white bread.
In this collection, you will find many classic recipes that I remember from my childhood and some that are traditions in my family now.



101 Best Soups & Stews: Easy & Delicious Gumbos, Chowders & Chili Recipes
http://www.amazon.com/gp/product/B00BF5XSYY

4.7 out of 5 stars (6 customer reviews)

There is nothing more warming than sitting down to a good, hot, delicious bowl of soup in the winter. However, soup is not the only thing that can warm you heart and soul, during those gray, windy, snowy days chowder, chili, stews, gumbos and cheesy/creamy soups can also do the trick.
This book contains 101 of the best soup and stew recipes, including the aforementioned other types of soup-like dishes, that you will find in one place. There are a variety of food categories as well, including beef, chicken and turkey, lamb, pork, ham and bean. You will also discover how to make soups and stews with seafood and vegetables, some of which you may not have heard of yet.
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g: 0 Posted By: ctgolfer
Views: 120 Replies: 0
Detail-oriented display
See your movies and games pop with vivid colors, dark shadows and stunning contrast on the 8.4" display. With two times the pixels of an HDTV, the screen also keeps everything clear by auto-adjusting brightness levels based on where you are and what you're viewing.
Ultra-thin and lighter
An ultra-thin build with a comfortable design makes this tablet difficult to put down. Lightweight and perfect for travel, it connects seamlessly with other Galaxy products for you to effortlessly share photos and videos from wherever you are.
Family-friendly
With multi user mode, everyone in the family can create a private and personalized tablet experience that can be secured with the fingerprint scanner. And for those wanting to keep the little ones entertained, Kids Mode lets you customize playtime and apps with parental controls.
Security at your fingertips
Unlock your tablet and keep your photos, videos, and personal files secure with just the swipe of your finger.
More productive than ever
Now you can do two things at once with Multi-window, like watch a music video and look up the lyrics or read an email and edit a presentation. Opening two windows or apps at the same time gives you the ability multitask and get things done faster than ever before.
Low battery
Ultra power saving mode keeps you connected even when your battery is critically low. It works by turning your screen to black and white and shuts off nonessential apps, so your device still works when you need it most.
Magazines come to life
Flip through your favorite sports, fashion and news magazines in Papergarden. You'll easily navigate through your favorite reads and see everything at a resolution that's optimized for your Galaxy Tab S screen - so photography looks stunning and text is easy to read.


www.sears.com/samsung-galaxy-tab-174-s-16-gb-10.5inch-display/p-...
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Sears Coupons
g: 0 Posted By: ctgolfer
Views: 151 Replies: 0 This Game of the Year Edition includes the award-winning The Walking Dead game, a bonus episode and exclusive access to digital content
The Complete First Season includes all five series episodes, plus the bonus episode, 400 Days
Immerse yourself in the Walking Dead story with access to digital features, such as the original soundtrack and never-before-seen videos of behind-the-scenes footage
Fight your way through hordes of zombies in this iteration of The Walking Dead franchise, which has made the undead apocalypse a global phenomenon and one of the most powerful pop culture icons ever
Based on Robert Kirkman's award-winning comic book series and the television show it inspired
Take on the role of Lee Everett, whose life has been spared and now must survive among the undead
Meet potential allies, visit the locations and participate in the events that foreshadow the story of Deputy Sheriff, Rick Grimes
Act quickly but wisely —: your choices will affect your fate and the fates of those around you
Experience the thrilling and gruesome graphics in all their gory splendor

Playstation 3
www.bestbuy.com/site/the-walking-dead-game-of-the-year-edition-p...

Xbox 360
www.bestbuy.com/site/the-walking-dead-game-of-the-year-edition-x...
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Best Buy Coupons
GUNS: Nikon P-223 Rifle Scope 3-9x40 Mate BDC 600 @ $139.77 Amazon
Added on : Tuesday July 15th 2014 06:00:04 PM
g: 0 Posted By: turbotwo
Views: 210 Replies: 0 For those of you that have Amazon Prime get your Nikon scope from them.....
http://www.amazon.com/Nikon-P-223-3-9x40-Mate-BDC/dp/B006YVT0R8/...

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g: 0 Posted By: poorfatkid
Views: 64 Replies: 0 Best price I can find anywhere! Runs $199 everywhere. This is the newer carbon steel edition, not the B1 first generation.

Link
Basis uses 4 sensors including heart rate and activity to take automatically paint a more comprehensive picture of your Fitness (run/bike/walk/calories/steps), Sleep (REM/Deep/Light plus toss & turn) and Stress (continuous HR) levels.Product FeaturesMultiple Sensors = More InsightWith 4+ sensors compared to most single-sensor devices, Basis paints a more scientific picture of your health, tracking heart rate, motion, temperature & more.Seriously SmartOur Body IQ technology takes the hassle out of tracking and simplifies all that data into simple metrics for fitness, sleep and stress. All you have to do is wear Basis. It does all the work.Get Fit: Auto-Tracks Your Favorite ActivitiesBody IQ automatically detects your favorite activities like walking, running and outdoor biking in real-time on your wrist. It also gives you the right caloric burn credit for those activities.Sleep Better: Advanced Sleep AnalysisBody IQ delivers real sleep analysis with Deep / REM / Light sleep, toss & turn, Sleep Score and Interruptions. No 'modes' to set - Basis automatically figures all this out.Stress Less: Heart Rate On Your WristFeeling stressed? Elevated heart rate (viewable on your wrist) could be a clue. A quick breathing exercise can easily help you keep cool under pressure and be mindful.Track Goals & Build Healthy HabitsAll of the data in the world does you no good if you can't act on it. Basis helps you incorporate small changes into your daily routine that have a powerful impact on your health.Backlit DisplayMakes real-time metrics like running, biking, walking, heart rate and goal progress easy to view on your wrist. A quick flick of your wrist automatically turns the backlight on.Personalized DashboardView your personalized dashboard by syncing wirelessly with select Android and iOS smartphones, or via USB with your PC or Mac.Sleek And ComfortableThe Carbon Steel Edition combines polished stainless steel couplers and non-reactive silicone straps for a sleek look and comfortable feel.Change The LookAvailable accessories (not included), allow you to customize the look and feel of the health tracker.Free Software UpgradesBasis continuously updates its software and adds functionality to your experience, much of which is included for free in your purchase.Does Not Replace Your Workout Heart Rate MonitorBasis is designed to track your health over time using multiple sensors. It complements workout-focused heart rate monitors with chest straps which are for high-intensity workouts.
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g: 0 Posted By: peste386
Views: 180 Replies: 0 Link

SHOP SMALL AUGUST CARD MEMBER OFFER
TERMS AND CONDITIONS

Limit three (3) statement credits per American Express Card. To be eligible, Card Members must register any eligible American Express Card for this offer at americanexpress.com/ShopSmallAugust. Corporate Cards and all prepaid Card products (other than American Express Serve) are not eligible.
The number of registrations is limited. Registration opens at 12:00 A.M. MST (Mountain Standard Time) on Aug 1, 2014, and will continue until 11:59 P.M. MST on Aug 31, 2014, unless the registration limit is reached sooner.
To receive the $5 statement credit up to three times total (once per eligible transaction), the Card Member must use his or her registered Card to spend $5 or more in a single, in-store transaction at a qualifying small business location listed in the Shop Small August Offer Directory during Aug 2014. To receive the credit, the transaction must equal $5 or more (for example, if the transaction is only for $4, the Card Member will not receive a credit). Multiple transactions of less than $5 will not qualify even if the combined total of those transactions is over $5. Card Member may purchase multiple items that together equal $5 or more, but they must be purchased in a single transaction to receive the statement credit. Online transactions do not qualify.
Qualifying small business locations will appear in the Shop Small August Offer Directory,available beginning on Aug 1. (Please note that business location information provided on the directory may contain inaccuracies or errors, including as a result of information provided by third parties.) Transactions with political campaigns or political action committees are not eligible, regardless of whether they appear in the offer directory.
If American Express does not receive information that identifies a transaction as qualifying for the offer, the transaction will not qualify for the statement credit. For example, a transaction will not qualify if it is not made directly with the merchant. In addition, in most cases, a statement credit will not be received if a transaction is made with an electronic wallet or through a third party, or if the merchant uses a mobile or wireless card reader to process it.
Statement credit(s) will appear on the Card Members billing statement within 90 days after Aug 31, 2014, provided that American Express receives information from the merchant about the qualifying purchase. Note that American Express may not receive information that identifies the transaction as a qualifying transaction if the items from the purchase are not all provided during the offer period. For example, if a Card Member purchases an item that is not available or is provided after Aug 31, 2014, that transaction will not count toward determining whether the purchase qualifies for the offer.
Statement credit may be reversed if qualifying purchase is returned or cancelled.
The Card Registration Terms and Conditions will also apply at enrollment.

Services Deals
g: 0 Posted By: Logician1313
Views: 154 Replies: 0 64GB Lexar JumpDrive USB 3.0 Super High Speed Flash Drive - $19.99 w/ Free Shipping at Beachcamera via eBay

64GB Capacity
USB 3.0
Up to 100MB/s Read
Up to 55MB/s Write
Retractable Design (all plastic construction)
Condition: Brand New
3-Year Limited Warranty

Back again for those who missed it last month. Some reviews indicate the all plastic construction is flimsy and prone to break, but for $20 I'm picking one up for my camera bag. 2.6/5 stars based on 41 Amazon reviews.
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g: 0 Posted By: remick
Views: 29 Replies: 0 http://www.amazon.com/dp/B00CR6EJC0

4.4 out of 5 stars (27 customer reviews)

OK, I'm outing myself to you right here and now - I'm basically a "prepper junky".

I've spent most of my adult life doing such things as getting a license to be an Emergency Medical Technician (EMT) and also becoming "CERT (Community Emergency Response Team) Qualified" in Southern California. I've also been in tornadoes (Kansas), hurricanes (Hawaii), earthquakes (California) and even in the L.A. riots of the 1990's, so I guess I know a thing or two about emergency preparedness, and I would like to pass that knowledge on to you.

Most people think "preppers" are a bit looney. They think that we expect the worse to happen, and that we just go through life paranoid. My response to that is, "Better to have the peace of mind that I'm prepared to survive most any disaster than to be a head-in-the-clouds victim who doesn't have a clue."

Fact - in a serious community disaster (like a hurricane, or tornado), emergency response personnel will probably be so overwhelmed that they may not be able to get to you for several days.

Remember Hurricane Katrina and Superstorm Sandy?

Those who are prepared to be self-sufficient for a few days are soooo much better off than those who made no preparations and depend on outside help from the get-go.

Look, there are thousands of people every year who are directly affected by disasters - whether they are natural or man-made. A Bug Out Bag is just one of the things (and probably the easiest) that you can prepare for yourself and your family that will help you survive a disaster situation - whether the disaster is localized to your own house (a fire, for instance), or to your community - even a disaster that's affecting your whole country (civil unrest, maybe?).

So come on along, as this book not only covers Bug out Bags extensively, but also prepares you in other ways, too. You may become the "Go-To" person in your community after reading it and following the suggestions!
Totally Free Deals
Aromachologie Repairing Shampoo $6.50 @loccitane.com
Added on : Monday July 14th 2014 05:00:06 PM
g: 0 Posted By: francded
Views: 130 Replies: 0 http://usa.loccitane.com/aromachologie-repairing-shampoo--travel...

DETAILS:

The perfect shampoo for those who color treat, permanent wave, blow dry, curling iron, or use drying styling products on hair. Care and give radiance to your hair. This shampoo smoothes and softens capillary fibers. Your hair is left looking and feeling supple, shiny and silky. A natural complex of 5 essential oils - Angelica, Lavender, Geranium, Ylang-ylang and Patchouli - plus wheat proteins work together in synergy to help repair, strengthen, regenerate and soften dry and damaged hair.


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Consecutive nights more expensive than individual?
Added on : Monday July 14th 2014 01:00:09 PM
g: 0 Posted By: user1337
Views: 108 Replies: 1 Is it standard practice for hotels to show quotes for consecutive nights to be more expensive than getting the quotes for those nights individually? If I book the two nights separately, will the hotel raise a stink?
Question Deals
g: 0 Posted By: remick
Views: 227 Replies: 0 http://www.amazon.com/gp/product/B00DWTB3DY
4.5 out of 5 stars See all reviews (61 customer reviews)

Using Paul's radical letter to the Philippians as his road map, Matt Chandler forsakes the trendy to invite readers into authentic Christian maturity.
The short book of Philippians is one of the most quoted in the Bible, yet Paul wrote it not for the popular sound bites, but to paint a picture of a mature Christian faith. While many give their lives to Jesus, few then go on to live a life of truly vibrant faith.
In this disruptively inspiring book, Chandler offers tangible ways to develop a faith of pursuing, chasing, knowing, and loving Jesus. Because if we clean up our lives but don't get Jesus, we've lost! So let the goal be Him. To live is Christ, to die is gainthis is the message of the letter. Therefore, our lives should be lived to Him, through Him, for Him, with Him, about Himeverything should be about Jesus.



In His Steps byCharles M. Sheldon
http://www.amazon.com/gp/product/B007TV12VY
4.5 out of 5 stars (138 customer reviews)

This classic that has been inspiring and challenging readers to a spiritual adventure for over a century now gets an updated look for a new generation.



Designed for Devotion: A 365-Day Journey from Genesis to Revelation
http://www.amazon.com/gp/product/B008SAO5TG
4.8 out of 5 stars (67 customer reviews)

Devotionals are designed to bring the reader into a more intimate relationship with God. Dianne Neal Matthews knows no better way for believers to know God more intimately than to immerse themselves in his Word. To that end, her new daily devotional combines fascinating historical background information about the Bible with practical application that readers can implement in their lives each day. She guides readers on a journey through the Bible from beginning to end, highlighting major events, characters, and stories, as well as difficult issues and topics (such as the concept of theophany, God's instructions to the Israelites to show no mercy as they entered the Promised Land, and what seems at first glance to be discrepancies between the Gospels).
Readers new to Bible study or those who long to learn more will appreciate the background information Matthews provides, as well as the way she shows how the Scriptures fit together to form a cohesive work. This is the perfect devotional for anyone who desires to go deeper into the Scriptures as they deepen their relationship with God.



The 7-Day Prayer Warrior Experience
http://www.amazon.com/gp/product/B00ET7Q4LE/
4.7 out of 5 stars (690 customer reviews)

The 7-Day Prayer Warrior Experience is a free eBook from bestselling author Stormie Omartian, developed using excerpts from Prayer Warrior and Prayer Warrior Prayer and Study Guide. Are you equipped for spiritual battle? Take the next seven days to put on the whole armor of God, that you may be able to stand against the wiles of the devil (Ephesians 6:11). Join Stormie as she explains the pieces of armor, what they mean, and how they can help you be a prayer warrior in your spiritual battle. With devotional thoughts, suggested prayers, ways to dig deeper, and opportunities to connect with Stormie and a whole community of prayer warriors, The 7-Day Prayer Warrior Experience will empower you with the truth that He who is in you is greater than he who is in the world (1 John 4:4).



The Prayer Box
http://www.amazon.com/gp/product/B00CH7KXY2
4.7 out of 5 stars (308 customer reviews)

ECPA 2014 Christian Book Award Finalist, Christy Award Finalist, Christianity Today Book Award Finalist!
When Iola Anne Poole, an old-timer on Hatteras Island, passes away in her bed at ninety-one, the struggling young mother in her rental cottage, Tandi Jo Reese, finds herself charged with the task of cleaning out Iola's rambling Victorian house.
Running from a messy, dangerous past, Tandi never expects to find more than a temporary hiding place within Iola's walls, but everything changes with the discovery of eighty-one carefully decorated prayer boxes, one for each year, spanning from Iola's youth to her last days. Hidden in the boxes is the story of a lifetime, written on random bits of paper--the hopes and wishes, fears and thoughts of an unassuming but complex woman passing through the seasons of an extraordinary, unsung life filled with journeys of faith, observations on love, and one final lesson that could change everything for Tandi.
Books Deals

Amazon Coupons
g: 7 Posted By: SieSilverStars
Views: 1502 Replies: 7 The T-Fal Inspirations 20-pc. Red Nonstick Aluminum Cookware Set is on sale at Kohl's for $33.75 for those of you with Kohl's Charge Cards.

Link

Use coupon code "JUST4U" for $15.00 off $50.00, "ENJOY" for 25% off, and "JULYMVC" for free shipping (Kohl'd Cardholders Coupons).
Submit this $20.00 mail-in rebatefor purchases made 07/12/14 and 07/15/14.
Get $10.00 Kohl's Cash for this purchase
Final cost will be $30.00 for Kohl's Cardholders.


For those of you who aren't Kohl's Cardholders, you can still get this for when you use coupons "JUST4U" for $15.00 off, "SEASHELLS" for 15% off and "FREE50JULY" for free shipping. After you follow the rest of the steps the total should come out to be $42.24 for non-cardholders.



This T-Fal Dinnerware Set received 4.2/5 stars based on 64 customer reviews on the product page. 54 of those customers said they would refer this product to a friend.

I couldn't find an exact match in Google Productsfor a price comparison, but I found one T-Fal 20-pc. set that was $84.99.

Home & Garden Deals

Kohl's Coupons
g: 1 Posted By: SieSilverStars
Views: 193 Replies: 0 The T-Fal Inspirations 20-pc. Red Nonstick Aluminum Cookware Set is on sale at Kohl's for $30.00 for those of you with Kohl's Charge Cards.

Link

Use coupon code "JUST4U" for $15.00 off $50.00, "ENJOY" for 25% off, and "JULYMVC" for free shipping (Kohl'd Cardholders Coupons).
Submit this $20.00 mail-in rebate for purchases made 07/12/14 and 07/15/14.
Get $10.00 Kohl's Cash for this purchase
Final cost will be $30.00 for Kohl's Cardholders.


For those of you who aren't Kohl's Cardholders, you can still get this for $72.24 when you use coupons "JUST4U" for $15.00 off, "SEASHELLS" for 15% off and "FREE50JULY" for free shipping. After you follow the rest of the steps the total should come out to be $42.24 for non-cardholders.



This T-Fal Dinnerware Set received 4.2/5 stars based on 64 customer reviews on the product page. 54 of those customers said they would refer this product to a friend.

I couldn't find an exact match in Google Products for a price comparison, but I found one T-Fal 20-pc. set that was $84.99.

Home & Garden Deals

Kohl's Coupons
Fidelity Cash Management Account Transactions
Added on : Saturday July 12th 2014 09:00:12 AM
g: 0 Posted By: NEDeals
Views: 66 Replies: 1 For those of you with Fidelity Cash Management Accounts, have you noticed that the transaction listings do not include the origin or destination of credits and debits? For example, an ACH transaction pushed to the account shows up as "DIRECT DEPOSIT" with no further explanation of where it came from.

Even the Fidelity Amex bonuses are now posting as a mysterious direct deposit, so you don't have a clue what it is.

Not a great way to run a bank, and it makes reconciling your account very time consuming.

Is anyone else noticing the lack of transaction data?
Discussion Deals
g: 1 Posted By: remick
Views: 136 Replies: 0 Italy for First Timers
http://www.amazon.com/gp/product/B00I9P0VO8/

This book overflows with hands-on, proven techniques for getting the most out of this tripand future trips too! Selecting what to see and do, picking where to stay, where to eat and what to pack, the best guide for making your dream vacation a reality.
Group package tour or devise your own plan? Pros and Cons to help you decide.
Get a great price on airfare and improve your seat assignment before the flight. Find out a few things that reduce hassle with the TSA. Make the flight more comfortable (yes, it can be done!) and much much more.
Gain tools to see through the self-serving marketing on the internet and make your own informed decisions.
Hundreds of good travel ideas, from packing smart to the latest gear on the market to help travelerswearable luggage, neck collars, super-light duffels to name a few.
Jet Lag no more. This really works!
Understanding Italian restaurants: why Americans think they give lousy service, and when you find out why, youll wish we had the same high caliber staff in the US!
The down and dirty scoop on the VAT tax, tourist cards, hotels, trains, subways, sleeping on the plane, and how to use a bidet. An indispensable guide to travel in the 10s.
Time: Your most precious resource. Bring along one small thing weighing about 2 oz.something you probably already ownto safeguard that resource.
This book is your guide to a great time!



Why I Love New Orleans: A Collection of Blogs
http://www.amazon.com/gp/product/B00K62ONZ0/

New York Times Bestselling Author, Heather Graham has had a long standing love for New Orleans, Louisiana. She has used the city as a setting for many of her novels and there are many reasons why. On her blog in 2013 she spent 30 days sharing what she loved about New Orleans. From favorite restaurants, to museums she loves to her most loved ghost stories, she shared what made New Orleans one of her favorite cities in the United States. Now she has compiled these blogs into this ebook that she wants to share with those who are going to New Orleans, those who have dreamed of the city and want to learn more, and those who might want to debate her choices.


London Budget Getaway (Bravo Your City! Book 7)
http://www.amazon.com/gp/product/B00ED2CMLQ

London is expensive, but you can still enjoy it on a budget with these tips, especially if its your first visit!
London Budget Getaway is a perfect travel companion for a short stay in one of the worlds most iconic cities, offering plenty of low cost suggestions so that family, friends and loved ones can experience Londons most popular sights and cultural attractions without breaking the bank.
Tour art galleries, exhibitions, cinemas and the most visited museum in Britain. Encounter otherworldly presences in the haunted London Underground. Explore world famous markets, streets, squares, monuments and intriguing architecture. Sample some of the best beers, ales, ciders and stouts brewed in Britain. Find the best views of the London city skyline.



Shanghai Stories TOP3 - a travel guide and tour as with the best local guide
http://www.amazon.com/gp/product/B007UN45V0

Istanbul Tour Guide Top 3 - a travel guide and tour as with the best local guide
http://www.amazon.com/gp/product/B00EJMPCTO

Tallinn Tour Guide Top 3 - a travel guide and tour as with the best local guide
http://www.amazon.com/gp/product/B007V0CW5I

The Must Sees of Seoul (Bravo Your City! Book 70)
http://www.amazon.com/gp/product/B00FJDEQQ2

Montmartre Neighborhood Guide (Bravo Your City! Book 6)
http://www.amazon.com/gp/product/B00EDE3RC2
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Alert: SJ KUNDBOKNING Credit Card Scam Strikes Again!
Added on : Saturday July 12th 2014 05:00:05 AM
g: 0 Posted By: jr9726
Views: 99 Replies: 1 My credit card was just charged yesterday, July 11, 2014 by this SJ KUNDBOKNING twice, one for $198.36 and another for $133.49, in an attempt to max out my credit card. Luckily, I only had about $400 of available credit left on it. I was getting ready to pay my bi-annual insurance premium so I made an extra payment recently and went to check my online statement to see if it was already credited. That's when I noticed this unauthorized charge on my account. I was infuriated. That was a lot of money to me. Now, I don't have enough available credit to pay for my bi-annual insurance premium which is due by next week because of this unauthorized charge. So I called the bank right away and they too knew that this was a scam charge after checking their database. They took care of the unauthorized charges by taking responsibility for them while they investigate and alert authorities, and they restored my account balance. They also deactivated my credit card and issued me a new one after confirming the last valid charge. They told me that this scam charge may have been carried out through hacking some vendors' point-of-sale computers and that there was nothing I could have done to prevent the scam artist from stealing my credit card number on those vendors' files. So check your online statement and report this unauthorized charge immediately if you notice it. That is the only way to stop the scam. Another way is to have the perpetrator of this scam arrested if you know who it is. If you do, please call police and report the credit card thief!
Personal Finance Deals
Logitech G500 corded laser mouse, $30 @ Walmart
Added on : Friday July 11th 2014 07:00:03 PM
g: 0 Posted By: Cyfun
Views: 30 Replies: 0 Yeah, it's a slightly dated model, but it laser, has lots of buttons, tilt scroll wheel, adjustable DPI, and has a cord for those who prefer low-latency. Hard to beat that at $30, and is about twice that everywhere else.

Link
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Walmart Coupons
g: 3 Posted By: BigBoyMichigan
Views: 352 Replies: 2 No Dental Insurance? Choice of: Free Dental Cleaning or Free Tooth Extraction or Tooth Filling thru the "Dentistry From The Heart program"

August 02, 2014 - 7:30 AM - 5:00 PM
32905 W. 12 MILE RD, SUITE 200
FARMINGTON HILLS, MI 48334 USA

To Find this FREE service in your State or Canada click link

http://www.dentistryfromtheheart.org/even/even_upco.php
Totally Free Deals
How do you deal with collecting daily spending data
Added on : Friday July 11th 2014 05:00:05 PM
g: 0 Posted By: calvin888
Views: 68 Replies: 2 I would appreciate all FWers here to share their successful experiences dealing with the tedious work of tracking and logging down daily spending, especially cash spending?Things getting really bad, family members are not helping. Wife and kids dont like to log down their daily spending and hate to be questioned for those numbers they dont like to remember everyday. Lots of vague descriptions and incomplete receipts are left for me to figure out. That is hours of detective work to put the broken pieces together, and the results are still not precise.

So much time and efforts,I am so tired but can not quit. Theworst part is no one appreciates it.
Discussion Deals
g: 1 Posted By: BigBoyMichigan
Views: 107 Replies: 0 No Dental Insurance? Choice of: Free Dental Cleaning or Free Tooth Extraction or Tooth Filling thru the "Dentistry From The Heart program"

August 02, 2014 - 7:30 AM - 5:00 PM
32905 W. 12 MILE RD, SUITE 200
FARMINGTON HILLS, MI 48334 USA

To Find this FREE service in your State or Canada click link

http://www.dentistryfromtheheart.org/even/even_upco.php
Totally Free Deals
Debt to Income Ratio for Mortgages
Added on : Friday July 11th 2014 06:00:11 AM
g: 0 Posted By: bluebag
Views: 19 Replies: 0 I'm currently trying to get my first mortgage. I looked over how DTI ratios work on the internet. From my understanding, it's the minimum monthly obligation. The only obligations I have are credit cards. All cards have $25 minimum payment. Shouldn't the lender use those to calculate my DTI ratio?
Personal Finance Deals
g: 1 Posted By: SieSilverStars
Views: 178 Replies: 0 The Sony Playstation 4 Bundle w/ InFAMOUS: Second Son is on sale at Dell Home for $449.99. It also comes with a 3-month subscription of Playstation Plus and a $100.00 Dell eGift Card.

Link

No coupon is needed. Add it to the cart to see the gift card.

Here's the trailerfor InFAMOUS: Second Son if you haven't already seen it.


The next lowest price on Google Products for the Playstation 4 alone, is $399.99 from TRU, WalMart, Best Buy, and Newegg.


$399.99 (Console)
+ $39.99 (InFamous)
+$17.99 (PS+ 3-Month)
+$100.00 (Dell eGift Card)

Total should be: $557.97 ((All prices above are the lowest prices on Google Products I found for those items.))

PS4 Deals

Dell Consumer Coupons
g: 0 Posted By: ctgolfer
Views: 44 Replies: 0 Avex Highland Autoseal Stainless Matte Olive Travel Mug 16oz
Ride out those tough days with the durable 16 oz. Highland AUTOSEAL Stainless Matte Travel Mug at your side. This double wall vacuum-insulated mug is engineered to keep drinks hot for up to 5 hours on the side of Mount Giluwe or cold for up to 14 hours during the Marathon des Sables. This mug also features a one-touch AUTOSEAL lid, with button lock, that automatically seals between drinks to eliminate spills and leaks. The one-touch buttontoggles to lock, preventing accidental spills inside backpacks and other gear.
Benefits:
Vacuum insulation keeps beverages hot for up to 5 hours or cold for up to 14 hours.
Patented AUTOSEAL technology for 100% leak-proof and 100% spill-proof performance.
One-handed operation for convenient drinking during activities - just press the button to sip; release the button to automatically seal the mug.
Button toggles to lock, preventing accidentally pressing the button while on-the-go.
Double-wall stainless steel construction eliminates external condensation.
Sleek design fits car cup holders.
Exclusive, patent-pending, dishwasher-safe base design grips table tops and reduces clanking.
Made from 100% FDA-approved materials. Top-rack dishwasher safe.
Avex Highland Autoseal Stainless Matte Black Travel Mug 20oz
Ride out those tough days with the durable 20oz. Highland AUTOSEAL Stainless Matte Travel Mug at your side. This double wall vacuum-insulated mug is engineered to keep drinks hot for up to 7 hours on the side of Mount Giluwe or cold for up to 20 hours during the Marathon des Sables. This mug also features a one-touch AUTOSEAL lid, with button lock, that automatically seals between drinks to eliminate spills and leaks. The one-touch buttontoggles to lock, preventing accidental spills inside backpacks and other gear.
Benefits:
Vacuum insulation keeps beverages hot for up to 7 hours or cold for up to 20 hours.
Patented AUTOSEAL technology for 100% leak-proof and 100% spill-proof performance.
One-handed operation for convenient drinking during activities - just press the button to sip; release the button to automatically seal the mug.
Button toggles to lock, preventing accidentally pressing the button while on-the-go.
Double-wall stainless steel construction eliminates external condensation.
Sleek design fits car cup holders.
Exclusive, patent-pending, dishwasher-safe base design grips table tops and reduces clanking.
Made from 100% FDA-approved materials. Top-rack dishwasher safe.

www.ebay.com/itm/Avex-Highland-Autoseal-Stainless-Travel-Mugs/37...
g: 0 Posted By: remick
Views: 74 Replies: 0 http://www.amazon.com/gp/product/B00KGQS7EE

THE ART OF PHOTOGRAPHY is Book 2 of the Digital Photography Series. It is a highly illustrated guide to camera settings, composition guidelines, and sources of inspiration.
Learn how to move from snapshots to works of art. In this second book of the DIGITAL PHOTOGRAPHY SERIES by Al Judge, the focus is on artistic presentation and pleasing images. Learn from the experience of others.
What are "Typical" camera settings for popular types of images?
What factors make some images more appealing than others?
How do you find your source of inspiration?
How do other photographers view there art? What inspires them?
What equipment do you need for better results?
˃˃˃ Until now, Al Judge has written books to enhance your technical photographic skills. Now it is time to use that knowledge in a more artistic way.
This is Al's first book that relies on some previous knowledge of Digital Photography. That foundation was established in Book One of this series Mastering Digital Cameras. That knowledge is used to move effortlessly to more artistic images.

Digital cameras have advanced so much in the last decade that anyone can get a few great images by simply pointing at a scene and pushing a button. The joy and excitement comes when you learn to plan your images to convey an emotion or feeling and do it successfully.

We all know pleasing images when we see them, but few people understand why those images are so appealing. Art is unique to every person, but there are certain rules or guidelines that seem to be hard wired into the human brain. In this book, you will learn about the Rule of Thirds and other widely accepted artistic concepts.

˃˃˃ Learn from other photographers!
The chapters of this book are separated by two page articles about the work of eight different photographers. These photographers range from highly-acclaimed world-renowned professionals to pure amateurs. Regardless of perceived success, they were invited to participate in this venture because their images are inspirational and beautiful. The amateurs prove that you don't have to be a professional and own thousands of dollars worth of camera equipment to produce great images. The professionals help us to see what is possible with dedication to the art. All of these Featured Artists love photography and it shows in their work.
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g: 0 Posted By: medialink
Views: 226 Replies: 0 Seagate Expansion 3TB USB 3.0 Desktop External Hard DriveLink

$104.66 - $30.00MasterpassCheckout =$74.66+ FREE SHIPPING

Also should be stackable with10% Back onRakuten SUPER POINTS code "SUMMERSET". Not sure if you can stack with Code: "$10 Off $30" on select Tech & NT products for New Customers Only.

This is a better deal than theSeagate Expansion 4TB USB 3.0 Desktop External Hard Drive@ $109.99+ FREE SHIPPING afterMasterpassCheckout.

For those who worry about getting their credit card stolen, usingMasterpassshould hide there CC info like Paypal.

Enjoy!!!
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Rakuten.com Shopping Coupons
Solutions for Vehicle with Negative Equity
Added on : Thursday July 10th 2014 09:00:08 AM
g: 0 Posted By: ChallengedCarBuyer
Views: 209 Replies: 18 We own 2 cars, a 2006 Nissan Altima (145K miles) and a 2008 Ford Edge (97K miles). The Nissan is paid off and worth about $6K and the Fordis worth about $12K with $23K still owed (due to the deal that we made back when purchased in 2011, with a significant amount of negative equity rolled into it). With the current payment of approximately $700 it feels as if we are somewhat stuck for a while. Our credit scores are rebounding nicely from prior issues and we are consistently in the 680-690 over the last 2 months.

With 2 aging cars and a high payment we are wanting to make a change. Options that we are considering are
1) Trade 2 cars towards the purchase of 1,to lessen the negative equity and end up with a lower payment with only 1 car (we both work in different areas, so this may be challenging)
2) Same scenario as above, but supplementing the 1 car with an enterprise rental 3 or 4 days a week. This way we'd only have to pay for insurance on 1 vehicle, offsetting the costof a rental, having less to report on a credit report, but also having no second asset.
3) Trading the 2cars towards one, and then purchasing/leasing a 2nd one, with the total payments for both being near the $700 of the current vehicle
4)status quo

We have up to $5K that we could put towards the deals, if needed. How do any of those options sound? Any better proposals/alternatives? Same options, wait a few months to let our credit hit 700? Thanks for the input.

Personal Finance Deals
g: 1 Posted By: DizzyT71
Views: 247 Replies: 2 It's back...

Newegg Flash has theRefurbished Samsung 51" 720p 600Hz Plasma HDTV (PN51F4500AFXZA)on sale for $329.99 with free shipping.

Compare at Best Buyfor $399.99 (New).

51" Display
720p
600Hz Refresh Rate
90 Day Limited Warranty


4.5/5 Stars based on 440 customer reviews on Best Buy.

For those that missed this deal:
http://www.fullofdeals.com/Newegg-coupons/samsung-51-720p-600hz-pl...


Plasma TV Deals
g: 0 Posted By: ctgolfer
Views: 174 Replies: 0 63 Different Styles(Not All Pictured Below) - Select Style From Drop Down Menu To View Specific Style!!

A classically feminine beach sundress perfect for the spring or summer. Super soft material will let you stay cool during those hot summer days. Stretch tube top design will give you a fitted look up top giving you a flattering silhouette while the free flowing bottom adds figure flattering dimensions to your look. So wear this chic-inspired beach dress that hits above the knee out to a nice picnic, a beach outing, or a BBQ/Pool party and stay stylish all the while.

www.ebay.com/itm/Summer-Floral-Pattern-Print-Light-Breezy-Women-...
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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: 1 Posted By: ctgolfer
Views: 122 Replies: 0 shipping adds $5

Condition:Factory Reconditioned

Panasonic KX-TG7733S DECT 6.0 Plus 3-Handset Cordless Link-to-Cell Phone System with Answering Machine

Link2Cell
Link2Cell is a cordless phone system that operates together with your cell phone. Simply charge your cell phone through the USB port on the Panasonic base unit and sync the two via Bluetooth. Now youre ready to make and receive cell calls that are automatically routed through all your home phone handsets. Which means theres no need to carry your cell phone around your home.

Bluetooth Convergence Solution
Like using your cell phone at home but don't like carrying it around? Now you can make and receive cell phone calls though your multi-handset home phone with the Bluetooth-powered Panasonic Link-to-Cell. Link-to-Cell harnesses the power of Bluetooth to combine the freedom of your cell phone and the convenience of a home phone. By linking your cell phone to the Bluetooth-powered Panasonic Link-to-Cell, you can make or receive calls on all compatible Panasonic home phone handsets. Don't want to be without your cell phone's phonebook? No problem. With Link-to-Cell's Phonebook Transfer feature, you can transfer up to 600 names and numbers from your cell phone to the built-in handset directory via Bluetooth. Link-to-Cell also features Bluetooth headset connectivity so you can keep the conversation going and your hands free. Perfect for those times when you're talking but need to walk around your office or home, open drawers, flip through files or write.

Dect 6.0 Plus
Dect Plus technology takes the superb sound quality and outstanding range of DECT 6.0 phones to a whole new level. By increasing the frequency of error correction by up to 80x, the transmission quality is improved and the phone's range is extended. Engineered to work in 1.9GHz frequency, our DECT 6.0 phones won't conflict with common wireless devices such as 2.4GHz routers, wireless keyboards and mice, microwave ovens and other household items. And because it's digital, you'll enjoy long range and clear sound while deterring eavesdropping.

Talking Caller ID
Now you can hear who's calling from across the room without having to get up. Using text-to-speech technology, Panasonic phones featuring Talking Caller ID announce caller ID information in between rings. What could be more convenient?

1.8 White Backlit Handset Display
See whos calling at a glance on our wide, 1.8-inch LCD and set screen. Featuring black text against a white-backlit display, its crystal clear and easy to readeven from a short distance away.

LED Light-Up Indicator
Now, you can know when a calls coming in or if you have a messageeven if youre vacuuming or listening to music. A large, bright LED indicator on top of the handset lights up when you get a call or a message, so youll always be connected.

Easy-to-Use Big Buttons
We streamlined our keypad to include fewer buttons while also making them larger. No more fumbling to find the right key, and no more dialing the wrong number.

Shipping Note: Eligible for shipping to all 50 states

Warranty: 90 Day Panasonic



Panasonic KX-TG385SK DECT 6.0 Plus 5-Handset Cordless Link-to-Cell Phone System with Answering Machine

Link2Cell
Link2Cell is a cordless phone system that operates together with your cell phone. Simply charge your cell phone through the USB port on the Panasonic base unit and sync the two via Bluetooth. Now youre ready to make and receive cell calls that are automatically routed through all your home phone handsets. Which means theres no need to carry your cell phone around your home.

USB Charge
No convenient electrical outlet for charging your cell phone or smart phone? No problem. The base unit features a convenient USB charging port. And because its Link2Cell, you can answer your cell phone calls on your Panasonic home phone handsets without draining your cell phone battery.

Text Message (SMS) Alert
Never miss a text message again. The Text Message Alert feature notifies you of received text message on your cell phone through an alert on your cordless handset when your cell phone is synced to the base unit.

Enhanced Noise Reduction
Enhanced Noise Reduction not only suppresses background noise but also enhances your voice at the same time. Which means the next time your teenager calls you from a concert, youll actually be able to hear him.

DECT 6.0 Plus Technology
If youre looking for superb sound quality and long range, look no further than the DECT 6.0 Plus technology in Panasonic cordless phones. Thanks to error correction up to 80x, you get clear transmission even with extended range. Engineered to work in 1.9GHz frequency, our DECT 6.0 Plus phones won't interfere with wireless devices such as routers, wireless keyboards and microwave ovens. Whether you use them in the basement or the backyard, our phones truly go the distance.

Answering Machine with Message Forwarding
Thanks to advanced answering machine functions, you can get messages wherever, whenever. At home, the base unit will beep to alert you to a message. And on the road, the phone will send a message to your registered cell or work phone.

Talking Caller ID
Hear whos calling from across the room. The Talking Caller ID feature uses text-to-speech technology, announcing the callers information in between rings.

Intelligent Eco Mode
With the Intelligent Eco Mode, when you use the handset closest to the base unit, youll automatically lower power consumption. This not only extends available talk time but also prolongs battery life. Which means less frequent charging and in the end, fewer batteries in landfills.

http://moofi.woot.com/offers/panasonic-link2cell-3hs-or-5hs-phon...
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g: 0 Posted By: SeaSpur
Views: 161 Replies: 0 Shows as $99.99 online, but I checked 3 stores in my area and they were all on sale for $79.99.

A little larger than most, but I think it is one of the most underrated bluetooth speakers on the market- especially in the $100 range. I "tried out" quite a few other highly rated models and, to me, it sound as clear as those in the $200-250 range and certainly had more bass and deeper sounds; many of these bluetooth speakers are "all high" when it comes to the tones.

http://www.target.com/p/g-project-g-boom-wireless-boombox-black-...
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Target Coupons
g: 0 Posted By: Relaxing
Views: 36 Replies: 0 Hello Gang:

My corded craftsman jigsaw bit the dust a few months ago so I have been shopping around for a good deal on a replacement. I have been researching cordless options and in particular 18V LI versions since I have both Makita and Porter-Cable 18V cordless tools (the latter of which is a drill, driver and flashlight combo I got through FW at Lowes on a price "mistake" of $30.)

I found this one on Lowes.com- It appears that it is truley a YMMV item as it wasn't available in my area in SW FLA. I ordered one for zip code 37067 so my Dad could pick it up and send it to me. The ratings are very positive for those of you who have PC 18V tools and batteries already and need a jigsaw. I am not sure if it is available on line to ship, I could only find the "pick up at store" option.

Lowes Link

Here is another link to Amazon, who has it with positive ratings but at a higher cost:

Amazon Link

Hope this is helpful to those in need.


Cheers
g: 1 Posted By: forzaINTER
Views: 278 Replies: 0
Team USA 2014 FIFA World Cup Scarf $9.99 - 15% off + free shipping=$8.50
Team Brazil 2014 FIFA World Cup Scarf $9.99 - 15% off + free shipping=$8.50
2014 FIFA World Cup Scarf $9.99 - 15% off + free shipping=$8.50

Those are the prices if you use promo codes (15% off + free shipping code) SPENDNSAVE and CC15FREE (You do NOT need a Kohl's Card, anyone can use those.)
If you do have a Kohls card use 25% off code ENJOY + the free shipping code above.

http://www.kohls.com/catalog/sports-fan.jsp?CN=4294718600&N=3000061901+4294718600&S=4&src=RofVR4D60ZY&siteID=
(Link takes you to those three items and other world cup items)
Clothing Deals

Kohl's Coupons
g: 1 Posted By: Revenant
Views: 237 Replies: 1 MOTOROLA SB6141 SURFboard DOCSIS 3.0 Cable Modem- $69.99 FS at eBay via Newegg

LINK

4.4 / 5 stars based on 1,510 customerreviews at Amazon - $134.99
Review from Lifehacker
Next lowest price on Google Products is $80.99 at B&H Photo

DOCSIS 3.0 Compatible, featuring:
Channel bonding of up to eight downstream channels and four upstream channels
Supports IPv4 and IPv6 to expand network addressing capabilities
Enhanced security: supports AES traffic encryption
Ability to provision and manage IP multicast
GigE (RJ- 45) data port with Auto Negotiate and Auto MDIX
Optional Mid-Split support for cable plants that can utilize the advantages of a 5 - 85MHz upstream spectrum
The SB6141 includes an internal filter to eliminate potential interference from MoCA signals intermodulation beats
Optional USB Device Port available

Modems Deals

eBay Coupons
Transcend 32GB MicroSDHC $14.54 @ Amazon
Added on : Sunday July 06th 2014 09:00:03 PM
g: 0 Posted By: rendition
Views: 179 Replies: 0 The Transcend 32GB Micro SD can store lots of stuff in your mobile device. $14.54 and free shipping with prime or orders of $35 or more.
Those whom are not familiar with this brand, they are pretty good. I would recommend this brand highly over patriot.

http://www.amazon.com/gp/product/B00CES44EO/ref=s9_psimh_gw_p147...

Memory Cards Deals

Amazon Coupons
Dealer Service damaged vehicle - chargeback?
Added on : Sunday July 06th 2014 11:00:08 AM
g: 0 Posted By: cbyahoo
Views: 135 Replies: 1 Man, I've had one of those "awful" service experiences with Ford dealer.
I had a really expensive brake job on a commercial class vehicle. I knew the service would be expensive ($1400), but I wanted Ford to warranty the work and not have anything to worry about for a while. I'd do it myself, but this vehicle has a history of brake issues in general and I wanted the coverage.
Dropped the vehicle off, they inspected it and came up with the following:
1) Dragging front brakes, which I indicated when coming in - Recommended rebuilding all calipers and full brake job.
2) "Dirty" Fuel system - said the fuel filter was of unknown age, air filter was dirty upon inspection, and throttle body was dirty upon inspection.
3) Rear differential seal leaking (knew this going in).

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

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

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

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

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

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

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

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






Question Deals
g: 0 Posted By: ctgolfer
Views: 84 Replies: 0 RAVPower Deluxe 14000mAh External Battery Pack Portable Power Bank Charger for Tablet, Smartphone and most of the mobile device with DC 5V input.

Power at your fingertips
The RAVPower 14000mAh use high quality Samsung Li-Ion batteries provide over 500 recharge cycles. Giving you not only the best in quality, but also the best in value!

You to decide what device to charge and when
Our 5V RAVPower battery charger has 2 USB ports to allow for multiple device charges. You can rapidly charge your tablet and iPhone/Smart phone at the same time.

Design
We always strive to keep our battery packs looking sleak and made from the highest quality parts. Our RAVPower 14000mAh is offered with a black matte finish that is fingerprint and light scratch proof. And, lastly, it has a full functioning flashlight for those times when you're stumbling in the dark!

Specification:
Capacity: 14000mAh
Input: DC 5V/1A (Standard Micro USB Port)
Output: DC 5V/3.1A (2A+1A)
Warranty: 12 Months Warranty

Compatibility:
- iPad 4 3 2,iPad Mini, iPhone 5 4S 4,iPod (please use the original 8Pin/30Pin Cable from Apple)
- 1 x Micro USB Connector:
SmartPhones: Samsung/HTC/LG/Motorola/BlackBerry/Nokia/Sony...
Tablets & eReader:Google Nexus 7/Nexus 10
- 1 x Samsung 30pin Connector: Galaxy Tab, Galaxy Tab 2,Galaxy Note
- 1 x Mini USB Connector : some cell phone, MP3, MP4, digital camera, and other with mini USB slot digital devices
- 1 x Nokia DC 2.0 Connector: Nokia cell phone with DC 2.0 port

Package Included:
- 1 * RAVPower RP-PB13 PowerBank
- 2 * Coiled cables
- 4*Connectors ( Micro USB, Mini USB, Nokia DC 2.0, Samsung 30 pins)
- 1 * User Guide
- 1 * Travel pouch

www.newegg.com/Product/Product.aspx?Item=0SC-000Y-00061
g: 0 Posted By: ThatEbayer
Views: 24 Replies: 0 Stampede (Stamp that turns photos in postcards) $12.99 YMMV 75% off Friends and Family Coupon

https://www.etsy.com/listing/190105269/stampede-a-stamp-that-tur...

Code: FRIENDFAMILYDISCOUNT

It's a stamp that puts the imprint of a postcard on the back of a photo. Friends and family discount code, YMMV.Stampede - A Stamp That Turns Your Photos Into Postcards$39.99Everyone loves getting mail, especially sentimental photos that they can stick on their fridge. It sure beats a mass produced greeting and it's a heck of a lot cheaper!

With Stampede you simply grab a printed photo and stamp the back with the STAMPEDE stamp. Instantly you have all of the familiar postcard components: a postage stamp area, address lines, a divider, and space for your hand written message. It's like a custom postcard, but only takes a second to make, and is guaranteed to be unique and special.

Many of us have converted our old printed photos into digital form and are left wondering what to do with those hard copy originals. Stampede is the answer! Instead of tossing them in the trash, or having them take up space in that shoebox, you can make your friends and family smile as they reminisce every time they receive your special postcards.
Home & Garden Deals
Wrangler Regular Fit Jeans $26.99 + FS on eBay
Added on : Friday July 04th 2014 07:00:09 AM
g: -3 Posted By: spicynosalad
Views: 186 Replies: 3 Wrangler Regular Fit Five Star Jeans

$26.99 + Free Shipping
http://www.ebay.com/itm/WRANGLER-JEANS-5-STAR-REGULAR-FIT-MANY-SIZES-COLORS-NEW-WITH-TAGS-/290952319600?pt=US_CSA_MC_Jeans&var=&hash=item43be1c1270

Apparently he has relaxed fits too if people prefer those:
http://www.ebay.com/itm/WRANGLER-JEANS-5-STAR-RELAXED-FIT-MANY-SIZES-COLORS-NEW-WITH-TAGS-/231023317476?pt=US_CSA_MC_Jeans&var=&hash=item35ca1011e4

This is a pretty good deal as on Amazon most sizes and colors are $34.99, and this guy has a complete set of sizes and colors.

I know Wrangler's aren't everyone's cup of tea, but I actually prefer them to other brands and they're often cheaper.

- 100% cotton
- These Regular Fit Jeans fit right at the waist, regular in the seat and thigh, and taper slightly down to the leg opening
- A really good pair of jeans that are made to last
Clothing Deals

eBay Coupons
g: 0 Posted By: DaysFan
Views: 117 Replies: 0 linked
http://www.hsn.com/products/visual-land-prestige-pro-7-dual-core-8gb-tablet-wcase/7450697

Visual LandVisual Land Prestige Pro 7" Dual-Core 8GB Android Wi-Fi Tablet with Webcam, Apps and Folio Case



Item# 348-962

Retail value: $262.39

HSN price: $119.95


$99.95


You save $20.00 today!

or 4 FlexPaysof $24.99

FREE SHIPPING Visual Land Prestige Pro 7" Dual-Core 8GB Android Wi-Fi Tablet with Webcam, Apps and Folio Case
You want to stay connected but you don't want to be weighed down on the go. This sleek, lightweight tablet gives you everything you need to keep up with the world around you. Surfing the Web, checking e-mails or updating your social networking status is touch-easy. Whenever you crave entertainment, the Prestige Pro 7D delivers. Read your favorite e-novel, stream reruns from those can't-miss reality shows, or fling those cute birds across the screen. It's perfectly portable and perfect for you.

What You Get


Visual Land 7" Prestige Pro 7D Android tablet
USB cable
AC adapter
User guide
Manufacturer's 1-year limited warranty


Bundled Goodies


Folio case
Anti-dust/scratch-resistant screen protector
Anti-glare screen protector
Squeegee
Family Essentials apps and servicesvoucher


Good to Know

This item requires access to a wireless router for wireless connectivity. Web content requires a broadband internet connection.

For warranty information, please call HSN.com Customer Service at 800.933.2887 (8 am-1 am ET).
Android Tablets Deals

HSN Coupons
g: 0 Posted By: ctgolfer
Views: 113 Replies: 0 $19.99 after $14 mail-in rebate

STELLAR DESCRIPTION
Upgrade your mobile storage with the Patriot Stellar USB 3.0 and USB OTG (on-the-go) compatible flash drive. The Stellar is equipped with a full sized USB 3.0 and Micro USB connector for compatibility with laptops and Android 4.0 & up based tablets or smartphones. The Stellar offers the enhanced transfer speed of USB 3.0 when plugged into a PC or laptop.

The Patriot Stellar is protected by a durable aluminum housing, offering best in class protection from the elements and heavy mobile use. Available in 16GB, 32GB, and 64GB capacities, the Stellar is plug-and-play compatible making it perfect for those who demand no hassle performance when it counts.

The Stellar is compatible with Windows 8, Windows 7, Windows Vista, Windows XP, Windows 2000, Windows ME, Linux 2.4 and later, Mac OS9, X and later*. Backed by Patriot Memorys award winning customer service, the Stellar comes with a 2-year warranty.

*Works on Android 4.0 & up Devices with OTG function is enabled

www.newegg.com/Product/Product.aspx?Item=N82E16820220822
Cell Phones Deals

Newegg Coupons
Harbor Mobile - T-Mobile Plans @ $20 /Line/Month Cheaper
Added on : Thursday July 03rd 2014 05:00:07 PM
g: 0 Posted By: DizzyT71
Views: 258 Replies: 2 New wireless company that is selling T-Mobile service at $20/line/month cheaperthan buying directly from T-Mobile.Great deal for those who aren't using family plans on T-Mobile.

Example, T-Mobile's popular Simple Choice $50 plan is $30/month at Harbor Mobile. That includes the same T-Mobile postpaid features such as:

unlimited talk
unlimited US/international text
1GB of LTE data, then throttled
free tethering
unlimited international 2G data / texting
free music streaming
(these features were mentioned on their Twitter/Facebook pages)

It appears they're reselling T-Mobile's corporate/enterprise plan that T-Mobilesells for $20/line to corporations, see HERE. They also have the 3GB, 5GB, and unlimited data options if you need more data.
Services Deals
g: 0 Posted By: Farfisa850
Views: 200 Replies: 0 http://www.homedepot.com/p/EcoPure-Universal-Pitcher-Filter-3-Pa...

The EcoPure Universal Pitcher Replacement Filters provides you with cleaner, great-tasting water two times faster than the leading pitcher filters. Its universal design fits major brand pitchers like PUR, Brita and more, and with its fast-flow filter you not only get the water you want quicker, you get it free of those pesky black carbon particles. This universal pitcher filter reduces chlorine taste and odor and sediment. It has a micron rating of 5. It was designed, engineered and assembled in the USA and includes the following: Three 2-month, 40-gal. filters and installation guide.
Universal design fits Brita, PUR and most other brands
2X faster than the leading pitcher filter over the life of the filter
Certified filtration without messy black carbon dust
Reduces chlorine taste and odor and sediment
Patented technology made in the USA
Home & Garden Deals

Home Depot Coupons
free business checking in NJ with mobile deposit
Added on : Thursday July 03rd 2014 04:00:05 AM
g: 0 Posted By: jerrykiev
Views: 37 Replies: 0 Hello,

Does anyone know of a bank operating in NJ that offer free business checking and has mobile deposit capability for business accounts (e.g. iPhone app)? My wife operates a small consulting business hew a a few client that pay by check. Would love to be able to deposit those checks without running to the branch. This is a no brainer on the personal banking side, but, seems like a revolutionary concept on the business side.

Thanks,
Deposits Deals
Chase $250 Bonus Coupon For Premier Plus Checking Exp 10/15/14
Added on : Wednesday July 02nd 2014 07:00:04 PM
g: 0 Posted By: MoneysMyLife
Views: 115 Replies: 0 Here's a rare $250 bonus coupon from Chase Bank, but its for their Premier Plus Checking account which has higher requirements.

Exp 10/15/2014

$250 coupon link

IMPORTANT INFORMATION
*Service Fee: Chase Premier Plus CheckingSM has no Monthly Service Fee when you do one of the following each statement period: Option #1: Keep an average daily balance of $15,000 or more in any combination of qualifying Chase checking, savings and other balances OR, Option #2: Have automatic payments to your qualifying linked Chase mortgage from your Chase account. Payments set up through Online Bill Pay do not qualify. Mortgages must be in good standing and be first mortgages with servicing retained by Chase. Otherwise a $25 Monthly Service Fee will apply. We will notify you of changes to your account terms or fees. For more information, please see a banker or visit chase.com/checking.

Bonus/Account Information: Offer not available to existing Chase checking customers, those with fiduciary accounts, or those whose accounts have been closed within 90 days or closed with a negative balance. Offer valid through 10/15/2014. To receive the bonus: 1) Open a new Chase Premier Plus Checking SM account, which is subject to approval; 2) Deposit $100 or more within 10 business days of account opening. AND 3) Have your direct deposit made to this account within 60 days of account opening. Your direct deposit needs to be an electronic deposit of your paycheck, pension or government benefits (such as Social Security) from your employer or the government. After you have completed all the above requirements, we'll deposit the bonus in your new account within 10 business days. The Annual Percentage Yield (APY) effective as of 6/17/14, is 0.01% for all balances in all states. Interest rates are variable and may change. Fees may reduce earnings on the account. The bonus cannot be used as the opening deposit. You can only receive one checking account-related bonus per calendar year. Bonus is considered interest and will be reported on IRS Form 1099-INT.
Credit Deals
Fidelity Banning US Investors Living Overseas from Buying Mutual Funds
Added on : Wednesday July 02nd 2014 12:00:11 PM
g: 0 Posted By: NEDeals
Views: 104 Replies: 0 Fidelity is enforcing a tough new policy that prevents ex-pats from purchasing or making additional contributions to their mutual funds in their personal Fidelity accounts. Ex pats can still keep existing holdings. Employer plans are exempt (e.g. 401(k), 401(a), 403(b)) from the ban. Other companies are doing the same.

This seems to be in response to the US cracking down on international financial shenanigans. The recent fines and criminal cases levied against Credit Suisse and BNP Paribas have gotten the attention of financial institutions and they are looking to avoid any exposure.
Wall St Journal said: Observers said fund managers are becoming more conservative in the wake of global developments such as the U.S. Foreign Account Tax Compliance Act and other U.S. efforts....David Kuenzi, an investment manager in Madison, Wis., who works with Americans abroad, said that selling U.S. mutual funds to those investors had long been prohibited. "But it was matter of 'Don't ask, don't tell.' Now the firms are getting more aggressive about compliance," he said.Other fund companies also are changing policies for investors who live abroad.A spokesman for Putnam Investments said the firm is no longer accepting additional investments into existing accounts held by non-U.S. residents.The spokesman said the changes were made "in accordance with U.S. anti-money-laundering and 'Know Your Customer' policies" and in response to recent tightening of European laws limiting sales of funds not registered in their jurisdictions.


http://online.wsj.com/articles/fidelity-bans-overseas-investors-...
http://www.ibtimes.com/fidelity-ban-mutual-fund-trading-non-us-c...

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

4.8 out of 5 stars (6 customer reviews)

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

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

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

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

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

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

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

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

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

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

Totally Free Deals
g: 0 Posted By: cnIsfg
Views: 211 Replies: 1 I searched and did not find this already posted so I thought I would post this herefor those who are already signed up for NeweggBusiness.com email offers and may not have receivedor overlooked the email containing this deal :

YOU MUST ALREADY BE SIGNED UP FOR NEWEGGBUSINESS.COM EMAILS TO PARTICIPATE IN THIS DEAL

NeweggBusiness is currently offering 50% off select Seagate Enterprise Hydrid drives for "evaluation" with code SEAGATEEVAL14
Some example savings are below.

Seagate ST4000VN000 4TB 64MB Cache SATA 6.0Gb/s Internal Hard Drive $172.99 less 50% = 86.50
Seagate ST2000DX001 2TB+8GB 64MB Cache SATA 6.0Gb/s 3.5" Desktop Solid State Hybrid Drive Bare Drive - $114.99 less 50% = $57.50
Seagate Solid State Hybrid ST1000LM014 1TB 64MB Cache 2.5" SATA 6.0Gb/s Laptop Hard Drive -Bare Drive - $96.99 less 50% = $48.50

The code is good for $100 discount per qualified NeweggBusiness.com account.
These are listed asevaluation units. However the drives Ireceived from this deal look like the standardOEM packaged Seagate drives we have ordered from NeweggBusiness before and allshow a valid full warranty on Seagate's support site.

Hard Drives Deals
Request for address verification
Added on : Tuesday July 01st 2014 11:00:09 AM
g: 0 Posted By: jetsfan92588
Views: 107 Replies: 1 I just found this humorous, thought others might to, or maybe be able to provide some insight. I'm not complaining or anything, I'm just genuinely curious.

I opened up a sole prop account with a major bank yesterday in the branch. I have a credit card and a personal checking account with them. I've had a profile with them for probably 5 years.

Guy calls me back today saying that he needs additional verification of my address. Like a utility bill, or "something like a utility bill."

"Because it's a business account, we require this, if it was just a personal account, we wouldn't require it." (my address is the same on my personal accounts and on this account)

Okay, so they require it as a matter of procedure. Not this guy's fault. My question is, why would they require it. The way I see it, there are three possibilities regarding my address.

(1) I am the person I say I am and I gave them my actual address.
Verification serves no valid fraud prevention purpose here-no issues. Therefore, no reason to request it.

(2) I am not the person I say I am, but I gave them my actual address.
Pretty unlikely, I have other accounts with them. I would've had to commit ID theft a long time ago because my address has been on there for a while. I already have an account with them. If I wanted to deposit in the name of that person I could have done it already with my personal account. No reason to throw up red flags trying to open a new account.
Also, I deposited cash into the account. Why would I deposit cash into an account in someone else's name.

(3) I am the person I say I am, but I gave them someone else's address.
I cannot figure this out. I will not even analyze why someone would do that.

Now, I know they have the KYC requirements, but those would apply to personal AND business accounts. Not to mention the fact that they already know me as their customer, because I am their customer for 2 other products, one of which is already a deposit account.
Free iPhone Liberation Kit from iFixit
Added on : Tuesday July 01st 2014 07:00:09 AM
g: 2 Posted By: remick
Views: 188 Replies: 0 https://www.ifixit.com/LiberationWeek

Take a quick look at the bottom of your iPhone. See those two screws? Those are pentalobe screwsa proprietary screw developed by Apple to keep you out of your own phone.
Our iPhone Liberation Kits remove this barrier by swapping your pentalobe screws with standard Phillips screws. Cut out the middleman. You should be able to open your iPhone when you want to.

Each kit is matched to your iPhone models particular color and screw size. Choose your iPhone model below:
Electronics Deals
Paying relative so they can contribute to ROTH
Added on : Tuesday July 01st 2014 06:00:10 AM
g: 0 Posted By: bluegreenturtle
Views: 21 Replies: 1 So, I haven't thought this through entirely, but I was wondering if it would be worth it, or somebody could poke holes other than the obvious ones.

1) I have a business, let's say I make $100,000 a year.
2) I pay my parents (who are retired and over 70 and have some, but not much earned income) the IRA max ($6500 each?) so $13,000 for services rendered.
3) I get to take the $13,000 off my sched C reducing all my taxes
4) They contribute all of the money to a ROTH, and slightly increase their SS benefits (I recently read an article that this is the most misunderstood thing about SS - if you keep earning after taking benefits, they keep adjusting your amount upward).
5) They gift the same amount back to me because I need it more than they do.

So obviously, they have to pay FICA taxes (and income taxes) on the paid amount. They have their own Schedule C's though so could probably reduce it some. They would be slightly increasing their SS benefits too.

Is it worth the onetime price of those taxes (let's say 20%) to get money into a ROTH for growth and income year over year? My dad's a pretty savvy investor and seems to have dividend streams in his various accounts averaging 8% + what I can only describe as astounding returns on his general portfolio the last 3 years. Although I would save that same amount in taxes, so over the entire family it's a wash, basically - they've said multiple times that the only reason they spend about 20 hours a week working on investments (research, etc) is to increase our inheritance. Their current IRA balances aren't that big so the RMD's are very low. Their taxable account is around $1M I think.

Is this a bad plan? I realize the overall dollar amounts aren't much so it may be work for little gain.


Personal Finance Deals
g: 0 Posted By: remick
Views: 192 Replies: 0 http://www.amazon.com/gp/product/B00E7W8CGQ

Whether weight loss is an issue that concerns you directly, or if you know of others who could benefit from the message in this book, or whether youre a Coach/Practitioner who could use the valuable information in your own practice, this book will:

- Sweep away the myths around dieting
- Describe how we are cleverly duped into eating foods that are not as healthy as the advertisements tell us
- Explain how the body really works to help you choose your foods wisely
- Show you how to tap into your natural intuition when it comes to food choices
- Help you get on to The Gentle Path to Definitive Weight Loss

There are only two things this book doesnt include:
- A bunch of confusing rules to abide by
- A prescribed, restrictive, frustrating diet

Claim back your favourite dishes, start enjoying food again in the way that we were ALWAYS intended to, understand our connection with Nature, learn how our conditioned thinking has been influencing our food and dietary choices and how to overcome those influences

The Gentle Path to Definitive Weight Loss the book that will help you get back in touch with You and Your Innate Health
Books Deals

Amazon Coupons
Free Kindle Book- Top Secret Gymnastics Drills (was $14.99)
Added on : Tuesday July 01st 2014 02:00:08 AM
g: 0 Posted By: remick
Views: 233 Replies: 0 http://www.amazon.com/gp/product/B00DXO6TKU

The book ls divided into twenty-five sections, each containing selections from four groups of exercises,
Tumbling, Tricks,pyramids and Games. This method of arrangement has been followed, partly,
for the purpose of supplying varied, ready-made, though flexible,
programs, available at a moment' notice, and partly,
in order to give Illustration of how to join separate exercises into a series in connection
with the description of the movements themselves.
Most of the illustrations have been made from
instantaneous photographs. The descriptions and directions which are
given in the text are those which I have found by experience to in the most
satisfactory progress in the shortest possible time.
Books Deals

Amazon Coupons
g: 0 Posted By: Xenocrates
Views: 180 Replies: 0 For those who missedthis +13 deal​last time, its back!

Nokia Lumia 521 4" Windows 8 Smartphone(T-Mobile Prepaid) -$59.99AC FS @ Newegg

Coupon Code: 74JULY48 - $20 Off - Ends 7/7

4" LCD (800 x 480)
1GHz, dual-core Qualcomm 82270 processor
512MB RAM
8GB storage
5MP Camera (HD video recording at 720p, 30fps)
Windows 8 OS

Review: C|Net
Cell Phones Deals

Newegg Coupons
Free Olay Regenerist Micro Sculpting Cream Sample
Added on : Monday June 30th 2014 11:00:09 AM
g: 3 Posted By: remick
Views: 149 Replies: 1 http://samples.target.com/

free sample for those currently using anti-aging products
Free Samples Deals
$6.99 for a movie at Fandango (Groupon deal of the day)
Added on : Monday June 30th 2014 05:00:05 AM
g: 3 Posted By: ahcool
Views: 400 Replies: 0 To avoid going to the movie alone, those of us who got on theAmazon local deal for Fandangocan purchase a second Fandango ticket from Groupon. This deal expires soon though.
Here is the link:Fandango Deal of the Day | GrouponEnjoy your popcorn!
Restaurants & Entertainment Deals

Groupon Coupons
Netspend Savings Interest
Added on : Monday June 30th 2014 04:00:07 AM
g: 0 Posted By: BenH
Views: 18 Replies: 0 For those of you who still have/had Netspend accounts that were also utilizing the 5% interest on 5K savings:

I stopped loading my NS when VRs dried up a couple of months ago. I have also noticed that since that time neither mine or my wife's account has been earning interest.
I can't find anything that states that we were required to load $x amount/month in order to accrue interest. We wrote one secure e-mail under my wife's account a couple of weeks ago - but they never responded.

I was going to likely call them, but wonder if anyone else has gone through this yet?
General Economics Deals
g: 0 Posted By: remick
Views: 20 Replies: 0 The Wizard of Oz Vocabulary Builder
http://www.amazon.com/gp/product/B003VD1GGK/

4.5 out of 5 stars (20 customer reviews)

If your vocabulary needs building but you dont like to read, this book is for you. Thats because people remember the meanings of unfamiliar words only if they learn them in contextby reading. And the fastest and most painless way of putting that idea into practice is by reading just one short book that happens to include all the vocabulary words you need to knowfor standardized tests such as the SAT or GRE, or for everyday intelligent-sounding conversation.

Just as people might use The quick brown fox jumps over the lazy dog to easily and conveniently test out the keys of a typewriter or computer (because it contains all 26 letters of the alphabet in a single, short sentence), you can use The Wizard of Oz Vocabulary Builder (a specially rewritten version of L. Frank Baums classic, The Wonderful Wizard of Oz) to easily and conveniently build your vocabulary (because it contains all the words you need to know, 1850 of them, in context, in a single, short book).

NOTE: Whereas the physical edition of this book includes definitions by the author at the bottom of each page, this Kindle edition instead makes use of Kindles built-in dictionary. In the story, each vocabulary word appears in capital letters. Simply use Kindles Lookup feature to instantly reveal the definition of the word. (If the built-in dictionary seems not to include the word in question, use Kindles Search feature to find the word in the built-in dictionary. If the word still does not appear, search for a simpler form of the word; that is, present tense rather than past tense, singular rather than plural, and so on.) For a Kindle book that includes the authors own definitions (with illustrative sentences), see Vocabulary Dictionary and Workbook: 2,856 Words You Must Know, which contains all words from this book, as well as all of those found in the authors Pinocchio Intermediate Vocabulary Builder.



The Pinocchio Intermediate Vocabulary Builder
http://www.amazon.com/The-Pinocchio-Intermediate-Vocabulary-Buil...
Totally Free Deals
Ucomfy 8636 Eyewear Massager $47.99 w/FS @ Newegg Flash
Added on : Sunday June 29th 2014 11:00:02 PM
g: 0 Posted By: ctgolfer
Views: 0 Replies: 0 Perfect for those who sit in front of a computer or read for extended periods of time Cordless for better portability and ease-of-use Air pressure gives an overall massage to the eyes, relieving muscle strain Heat - For added Comfort and Relaxation Vibration - Soothes and Massages with multiple Pulse settings Air Pressure - Massages to help relax facial muscles

www.neweggflash.com/Product/N82E16896000008
FREE a/MIR (up to $15.99) PEDIASURE POWDER (download form at link)
Added on : Sunday June 29th 2014 05:00:04 PM
g: 0 Posted By: MISTERCHEAP
Views: 32 Replies: 0 http://pediasure.com/powder-rebate Terms and Conditions:Limit 1 request per household. Offer valid on retail products only one single can of 14 oz. PediaSure Shake Mix powder. Will not accept receipts without product description printed from the retailer. Refund requests will not be granted if any fields of the rebate form are incomplete. Rebate offer cannot be combined with any other offer. Maximum value not to exceed $15.99 (tax excluded). Minimum purchase requirement of $9.97 on PediaSure to be valid. Cash, check, or credit card must be used in transaction. Those seeking reimbursement in whole or in part by third-party payers, including government programs and private insurers, are not eligible for this rebate. Offer void where prohibited, taxed, or otherwise restricted by law. Allow 6 to 8 weeks for receipt of refund. Reproductions of this form or requests without original receipt will not be honored. Limited to purchase and reimbursement requests made within the continental United States and Hawaii. Purchases must be made between 06/1/14 and 12/01/14. Rebate requests must be received by 1/31/15. Requests made by groups, clubs, or organizations will not be honored.For rebate inquiries, call 1-877-322-8355 or visitInmarRebates.com.(
Baby Deals
g: 0 Posted By: sumitdhar
Views: 101 Replies: 0 First volume of the Kindle Bestseller series and one of Amazon's Top Rated trivia quiz books
With over 75 five star ratings, the InQUIZitive series features quizzes that will give you multiple "Aha!" moments. Each question in this series has been selected with utmost care and the book features trivia not seen in any of the other books. This is an ideal book for party games, family get-togethers and long drives with your family. Get this book right away and impress your friends with trivia that is truly unique.

Limited time offer; get Volume I free till 30th June:
http://www.amazon.com/Trivia-Quiz-Pub-Book-InQUIZitive-ebook/dp/...

Praise for the InQUIZItive Series:
- Best concept in a trivia book I've ever seen.
- InQUIZitive is extremely infectious!
- Trivia at its best in this written format.
- InQUIZitive series offers a great collection of good trivia questions that will be fun for almost audiences and formats.
- Fascinating questions with answers that will very enjoyably expand your knowledge.

Sample Questions:
Q1. According to the website of the Colchester tourist board during the English Civil War a large cannon was placed strategically on the wall of the castle. A shot from the parliamentary army managed to destroy the wall under the cannon and caused it to tumble to the ground. The Cavaliers (who were loyal to the King) tried to raise the cannon but could not do so as it was too heavy. What was the name of the cannon & how has it been immortalized?
Q2. Canonization is a process by which the Christian church declares a deceased person to be a saint. Now, during the canonization process of the Roman Catholic Church, a lawyer was appointed to argue against the canonization of the person. It was this person's job to take a skeptical view of the candidate's character, to look for holes in the evidence, to argue that any miracles attributed to the candidate were fraudulent, and so on. What was the popular name given to such a lawyer?
Q3. According In her book Fairy Tale Ending, Ursula Sautter offers this hypothesis: After the defeat of the Danes at the Battle of Bornhoved, their lands became available for colonization by the Germans. The German rulers sent out glib recruitment officers offering rich rewards to those who were willing to move to the new lands. Thousands of young adults from Lower Saxony headed west leaving their parents behind. What incident is she trying to explain?

Answers:
1. Humpty Dumpty. It is widely believed this story of the Colchester Cannon is the origin of the nursery rhyme Humpty Dumpty
2. Devil's Advocate. Therefore, today a person who advocates an opposing or unpopular cause for the sake of argument or to expose it to a thorough examination is called a "Devil's Advocate"
3. Pied Piper of Hamelin, luring away the children of the town of Hamelin

Get your copy free right away: http://www.amazon.com/Trivia-Quiz-Pub-Book-InQUIZitive-ebook/dp/...
Totally Free Deals
g: 0 Posted By: remick
Views: 38 Replies: 0 http://www.seeitfirst.net/pin/552287


http://comicbook.com/blog/2014/06/27/guardians-of-the-galaxy-ima...

Those who attend the screening will get a free copy of the poster above, a commemorative, limited-edition exclusive
Movies & Music Deals
g: 0 Posted By: blueribb
Views: 198 Replies: 0 http://www.walmart.com/ip/Seiki-Digital-SE50UY04-50-4K-UHD-2160p-120Hz-LED-HDTV/33490006

For those following the recently popular Seiki 39" ($350 AC)& 65" ($999)4Kthreads, WalMart is now offering the 50" version for an unbelievable $449. The 4K portion of the set doesn't offer much visible improvement over 1080p versions with today's available source material but for those using it as acomputer monitor, this is where it shines. If your video card or integrated graphics is capable of driving the 3840 x 2160 Ultra HD resolution, you can have the best of both worlds (at least until the 60Hz / display port barrier is broken). There is some great advice on setting up a 4K TV for monitor use in this thread: http://www.fullofdeals.com/forums/hot-deals/1368219/

There has been some concern over the warranty and reliability of the Seiki brand. I surely couldn't see spending $100-200 to ship a defective unit back for warranty repair. You might want to consider an extended warranty from either WalMart or SquareTrade.

WalMart's extended warranties: http://see.walmart.com/walmart/protection-plans/

3 yr $44
4 yr $55
LED TV Deals

Walmart Coupons
g: 0 Posted By: remick
Views: 114 Replies: 0 Beginners Guide To Knitting Socks: Learn how to Knit Socks Quick and Easy
http://www.amazon.com/gp/product/B00E9M0H3U

4.8 out of 5 stars (8 customer reviews)

With this book you will learn:

Sock knitting basics such as sizing and knitting test swatches
How to choose the correct yarns and needles for knitting your socks
Sock Cast-on techniques, such as, long tail cast on, Eastern/ Turkish cast on
How to knit socks from the top down
How to knit sock from the toe up
How to avoid the dreaded sock knitting gusset hole.
How to knit two socks at once using circular needles
This book also includes 1 basic sock pattern and 1 ribbed sock pattern for you to work on.

BONUS: As an added bonus this book includes a knitting glossary at the end, for you to use to help understand knitting jargon!



One-Day Crochet: Christmas: Easy Christmas Projects You Can Complete in One Day
http://www.amazon.com/gp/product/B00L9LP608/

Create a beautiful Christmas craft in just one day!

Have you always wanted to learn to crochet but thought it was too difficult?

Have you considered crocheting a Christmas project but thought it would take too long?

Would you like to create a special and meaningful gift for someone or an ornament for yourself?

Are you looking for fun, easy and quick crochet projects to complete in just a day?

Have you seen those beautiful crocheted angels and snowflakes and wondered if it was possible to actually make one?

If any of these questions resound with you, then this book is for you! Inside you will find a review of the main crochet stitches and materials often used in crochet projects, in case you are new to the craft, or are looking for a refresher. Finally, you will find 10 beautiful Christmas patterns that can be completed in just one day. Note that these patterns will help you complete one Christmas project, or perhaps even a few ornaments in one day. For multiple copies of a project or ornament, you can expect that you will need more than one day to complete.

With this book, you can create the following Christmas projects:

- Santa napkin holders
- Reindeer hat
- Traditional ornaments
- Granny square stocking
- Tree ornaments
- Snowflake ornaments
- Wreath ornaments
- Christmas doily
- Mini stocking ornament
- Elf hat


(3 Book Bundle) "Beginners Guide to Knitting" & "How to Knit Hats: The Easy Way" & "How to Knit Fingerless Gloves and Mittens" (Learn How to Knit 7)
http://www.amazon.com/gp/product/B00IO6ZBXI

Book 1: "The Beginners Guide to Knitting"
This book will teach you:

Proper Knitting Needle Sizes
How to Choose Yarn
How to Cast on Knitting
The Most Popular Knitting Stitches
How to Start a New Ball of Yarn
Binding Off
Basic Color Knitting
How to Read a Knitting Pattern
Seaming and Finishing
Increases and Decreases
Knitting in the Round
How to Purl
How to Use Circular Knitting Needles
Knitting Wool
Book 2: "How to Knit Hats: The Easy Way"
This book will teach you:

Hat knitting basics such as sizing and how to determine your gauge
How to choose the correct yarns and needles for knitting your socks
Hat Cast-on techniques
How to complete the Knit Stitch
How to complete the Purl Stitch
How to complete the Stockinette Stitch
How to complete the Ribbed Stitch
Binding off your hat
This book also includes 4 hat patterns for you to work on (Rolled Brim Hat, Spiral Rib Hat, Seeded Slouch Beanie, Seeded Slouch Beanie).
Book 3: "How To Knit Fingerless Gloves And Mittens"
This book will teach you:

Fingerless Gloves And Mittens knitting basics, such as how to knit test swatches
How to choose the correct yarns and needles for knitting your gloves and mittens
Cast-on techniques
How to size your gloves and mittens
2 fingerless glove patterns
1 basic mitten pattern
1 mini-mitten pattern
Get Started Knitting a Fun Project Today!

Totally Free Deals
PediaSure Powder Try It FREE offer (up to $15.99 MIR)
Added on : Thursday June 26th 2014 11:00:05 AM
g: 0 Posted By: remick
Views: 237 Replies: 0 http://pediasure.com/powder-rebate?

Power up your milk to help kids grow. When mixed with fresh milk, each glass is a source of complete, balanced nutrition*, 12g of protein and 26 vitamins and minerals.

Terms and Conditions: Limit 1 request per household. Offer valid on retail products only one single can of 14 oz. PediaSure Shake Mix powder. Will not accept receipts without product description printed from the retailer. Refund requests will not be granted if any fields of the rebate form are incomplete. Rebate offer cannot be combined with any other offer. Maximum value not to exceed $15.99 (tax excluded). Minimum purchase requirement of $9.97 on PediaSure to be valid. Cash, check, or credit card must be used in transaction. Those seeking reimbursement in whole or in part by third-party payers, including government programs and private insurers, are not eligible for this rebate. Offer void where prohibited, taxed, or otherwise restricted by law. Allow 6 to 8 weeks for receipt of refund. Reproductions of this form or requests without original receipt will not be honored. Limited to purchase and reimbursement requests made within the continental United States and Hawaii. Purchases must be made between 06/1/14 and 12/01/14. Rebate requests must be received by 1/31/15. Requests made by groups, clubs, or organizations will not be honored.
Health Deals
New Arrivals: 3.1 Phillip Lim - 31 Hour City Tote
Added on : Thursday June 26th 2014 09:00:16 AM
31 Hour City Tote by 3.1 Phillip Lim, is crafted in super supple leather in a design for those who fit 31 hours into one day. Featuring rolled handles, signature flap top, double zip closure and long handles for throw-over-the-shoulder ease. Signature dust bag included.
g: 0 Posted By: tedhawkins
Views: 137 Replies: 0 Continental 26" Mountain King 2.2 Mountain Tire $15.99 performance bike FS to store / $4.99 S/H

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

Continental 26" Mountain King 2.2 Mountain Tire
The 2.2 Mountain King goes well virtually everywhere -- in cross country races, marathons, or all day trail rides. It is slightly lighter than its bigger 29" brother without sacrificing its outstanding qualities.

The Mountain King is the perfect choice for those not requiring larger volume, but demanding aggressive traction with relatively low rolling resistance and lighter weight. The revised tread design now performs well in harder, dryer conditions.

680 grams per tire
3 plies for a total of 84 TPI


Bicycle Deals

Performance Bicycle Coupons
g: 0 Posted By: SwingNinja
Views: 51 Replies: 0 Hi,
I'm planning to go to Cuba some time this year. For some political reason, if you exchange USD straight to CUC (Cuban Convertibles), you only get 87 of a dollar. But not with other currencies like Canadian dollar or Euro or Sterling. So, is there a good place in US where I can get those currencies with minimal or no fee?

I read other forum post likehttp://www.fullofdeals.com/forums/travel-discussion/1370041/ and Google search and couldn't find any info.

Thanks.


Discussion Deals
g: 1 Posted By: remick
Views: 183 Replies: 0 http://www.amazon.com/gp/product/B009SGITDW

TRAVEL MONEY TIPS for anyone who wants their travel dollar to go further. Want to travel the world, but don't think you are rich enough? In this book a life-long traveler will show you how to travel further, for longer, for less. sometimes much less, money than you'd ever imagine.

Learn how to set a realistic budget for your next trip, and learn the single most important factor that determines your trip's price tag (Hint: it's not the quality of your hotels or the length of your trip).

Once on the road, this book describes how to best setup your financial life to manage your money while you travel.It also covers tips and tricks to minimize those pesky transaction fees that your bank like to charge, just because you want to use your own money overseas!

The last third of the book the author shares her favorite tricks and tips developed over 30 years of travel: tips to save money on everything from accommodation to sightseeing.
Totally Free Deals
Target: Ninja Ultima (BL810) for $136 after Cartwheel
Added on : Tuesday June 24th 2014 04:00:17 AM
g: 2 Posted By: bargainhunter3
Views: 1145 Replies: 1 If reposted- please delete.

Went to Target today and noticed the Ninja Ultima was 194.99. I ended up looking up at my cartwheel to see it giving another additional 30% off! Making it 136.49 before taxes. According to the tag and cartwheel, the deal is good until 7/5. For those of you who don't know. Cartwheel is an app for additional savings at Target.

http://www.target.com/p/ninja-ultima-blender-with-single-serve/-/A-14665176#prodSlot=medium_1_1&term=ninja+ultima
Appliance Deals

Target Coupons
Bing Rewards Double
Added on : Tuesday June 24th 2014 02:00:03 AM
g: -1 Posted By: gnd63
Views: 196 Replies: 0 From now until June 30, Double Bing Rewards!! I'm guessing on computer searches only,not phone. Still not to shabby, espescially for those that are Gold and can already get 30 points a day.
Bing Deals
BofA "ShopSafe desktop client is no longer in use"
Added on : Monday June 23rd 2014 12:00:08 PM
g: 0 Posted By: TheDiggler
Views: 86 Replies: 0 Last Friday (June 20, 2014),when launching the BofA ShopSafe Desktop Client, it responded with:
ShopSafe desktop client is no longer in use.

But you may still enjoy the ShopSafe online
shopping experience. Just access your accounts
online and select ShopSafe on either the
Account Overview or Account Activity pages.
That same day, when trying to access ShopSafe via the on-line account method above, it was unavailable (wouldn't even launch). Contacted BofA who put me through to a technical support dept. They(Tech Support) advisedthat software updates were being performed that day (and throughout the weekend) which would be completed by today (Monday, June 23rd). Until then, ShopSafe would remain down. Uponmentioningthe "no longer in use"message from theDesktop Client,theyadvised that they'reunaware of any plans to retirethat application, so itshould work again Monday.

Well,the on-line version of ShopSafe once again works today (Monday), but the Desktop Client continues to give the same error message as last Friday.I guess that's end of the BofA ShopSafe Desktop Client. Looks like I'll have to switch back to using Citi's Virtual Account Number (VAN) program, since they still have a working Desktop Client (although for a while they abandoned theirs as well, whichwas when I switched to BofA's client).

For those interestedin trying out theShopSafe Desktop Client for themselves, the Windows version can be downloadedhere:
https://www.mbnashopsafe.com/ShopSafe_Setup.exe
Discussion Deals
g: 0 Posted By: ctgolfer
Views: 138 Replies: 0 Description
Back Up Your StuffAnytime, Anywhere
The Seagate Backup Plus Slim Portable Drive is the simple, one-click way to protect and share your entire digital life. Perfect to take on the go, the sleek metal case design allows for the thinnest portable hard drive available with up to 2TB of capacity. It goes anywhere without getting in your way.

Features mobile backup using the Seagate Mobile Backup App
Protect your stuff with easy, flexible backups
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Use the Seagate Mobile Backup App to easily back up photos and videos on the go directly from your mobile devices to Backup Plus Slim Portable Drive.

Back Up and Protect Photos, Videos and More Automatically
Choose from two easy backup options in the Seagate Dashboard scheduled or continuous.

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Dont risk losing those great pics youve posted online. The Backup Plus Slim Portable Drive finally bridges the gap between your online life and the rest of your life, letting you automatically back up your favorite memories from Facebook and Flickr. You can even share new videos to your YouTube account.

Whats Included
Seagate Backup Plus Slim Portable Drive
Seagate Dashboard pre-loaded on drive
18-inch USB 3.0 cable
Quick start guide
2-year limited warranty
NTFS driver for Mac pre-loaded on drive
Tech Specs
Interface: USB 3.0
Capacity: 1TB
Warranty: 2 years
Length: 113.50mm
Width: 76.00mm
Typical Weight: 0.15 kg

www.ebay.com/itm/NEW-Seagate-Backup-Plus-STDR1000103-1TB-USB-3-0...
External Hard Drives Deals

eBay Coupons
Target: Ninja Ultima (BL830) for $136 after Cartwheel
Added on : Sunday June 22nd 2014 03:00:03 PM
g: 0 Posted By: bargainhunter3
Views: 43 Replies: 0 If reposted- please delete.

Went to Target today and noticed the Ninja Ultima was 194.99. I ended up looking up at my cartwheel to see it giving another additional 30% off! Making it 136.49 before taxes. According to the tag and carthwheel, the deal is good until 7/5. For those of you who don't know. Cartwheel is an app for additional savings at Target.

http://www.target.com/p/ninja-ultima-blender-with-single-serve/-/A-14665176#prodSlot=medium_1_1&term=ninja+ultima
Appliance Deals

Target Coupons