Home » Search "THOSE" Results

THOSE hot deals search results



 1 2 3 4 5 6 7 >  Last ›
g: 3 Posted By: remick
Views: 242 Replies: 0 http://www.amazon.com/dp/B00BM9A5XA

4.6 out of 5 stars (12 customer reviews)

Successful Minute Taking and writing. How to prepare, write and organize agendas and minutes of meetings. Learn to take notes and write minutes of meetings. Your role as the minute taker and how you interact with the chair and other attendees. I'd rather throw myself downstairs - That was how I used to feel about minute taking; this book is for those among you who feel the same. It is aimed at secretaries, PAs and administrators and covers the issues that worry them. These are based on the things that worried me and that have worried my hundreds of delegates over the last 10 years. This book is easy to read and has lots of exercises to help you develop your skills. It has advice on note taking, summarizing, preparing agendas, becoming more confident in your role, working with the chair, writing skills, listening skills and the difference between making notes at the meeting and writing the minutes. There is a useful list of the order of tasks and a checklist with timings. There is a free downloadable booklet with all the exercises in it for you. The author, Heather, has experience not only of undertaking the role of secretary and PA but she also has 10 years' experience in training other people to use the skills she has and she shares all of this experience in this book. If you want to learn how to take minutes with ease then this is the book for you. What do people think? 'I had a real phobia about minute taking and was dreading today, but you've really taken away my fear. It's all fallen into place.' Beverley, Leeds 'One of the best facilitators ever - quite clearly Heather had an extensive knowledge of the skills needed and she wanted to share best practice. Everyone had a part to play and felt confident enough to ask and contribute whatever their level of expertise. Heather was very approachable.' 'This was excellent and clearly met all of its objectives. The course was well planned and the subject matter presented in a clear, logical and interesting way.' 'Heather had very good subject knowledge and is a very good trainer. She used a number of different teaching methods and was excellent at putting the group at ease; everyone joined in.' Committee servicing and minute taking for Leeds Metropolitan University 'I'm fairly comfortable with taking minutes, but find I write a lot of notes in the meeting which probably aren't necessary. I've learned how to condense effectively.' 'Heather was very practical and helpful; understood the reality of taking minutes and not just the theory!' Minute taking for RiverStone Management Limited 'I enjoyed the course and found it relevant to my needs. The trainer was helpful and able to answer questions.' 'I found the course really useful and the style very easy to understand.' Minute taking for Yorkshire Television About the author: Heather Baker Heather had over twenty years' experience as a secretary and PA before setting up Baker Thompson Associates Limited in 2000. The company specializes in the training and development of secretarial and administrative staff (www.bakerthompsonassoc.co.uk). She now travels all over the UK working with large and small companies to enable their office staff and PAs to work more effectively and efficiently. She also delivers courses in the Middle and Far East. Heather is a Certified NLP Practitioner. She worked for ICI Pharmaceuticals (now AstraZeneca) and Hewlett Packard; she spent 5 years in France working for the Commercial Director of Cognac Hine and then 10 years with Granada Media working up to personal assistant to the managing director, commuting regularly between their offices in Manchester and London. Heather conceived the speedwriting system BakerWrite and wrote the Amazon best selling book based on this system which is also available as an online training course
Books & Magazines Deals
g: 0 Posted By: remick
Views: 131 Replies: 0 http://www.amazon.com/dp/B00CO5TQV8

Achieve CPLP Knowledge Exam success faster, easier, and your first time through!
Are you preparing for the CPLP Knowledge Exam? Are you looking for ways to make the study process more manageable?
Outlining a systematic, step-by-step study process, "Mastering the CPLP" assists CPLP candidates in decreasing their study time and improving their exam scores by helping them to get organized and to focus on the exam content that matters most.

This book is an ideal resource for delegates who seek to validate their skills and knowledge against a globally recognized professional standard, as this book helps those professionals prepare a personalized, individual study plan for achieving success on the CPLP Knowledge Exam the first phase of the CPLP certification process.

Features proven strategies and planning techniques for study preparation
Provides access to bonus materials, including a link to sample practice questions, flashcards, and ancillary materials

This book is must-have preparation for those looking to take the CPLP Knowledge Exam in order to strengthen their resume.
Books & Magazines Deals
Son starting college, want to get him a separate credit card.
Added on : Monday April 14th 2014 01:00:02 PM
g: 0 Posted By: sorgec
Views: 237 Replies: 16 Our son is starting college in the fall. When he started high school we told him that if he could earn a solid merit scholarship (lowering our costs substantially) we would kick back a portion of that scholarship into spending money. He did.

We have had him as an authorized user on our card for a couple of years, and he is quite trustworthy. However, he will have more expenses next year and we would like to a) keep those separate so we can track them easily and b) start building his credit.

I thought I might take out a new card in my name and add him as an authorized user, but then just have him use that card so all the expenses would be his. Am I missing something? Would this be a good way to handle college expenses?


Question Deals
g: 0 Posted By: invisible
Views: 41 Replies: 0 Flying to SFO (and returning from SFO) on Delta award tickets: onward journey is via LA (LAX), return via Atlanta,GA.
Question:Is it possible to get off at LAX during onward journey? Any danger of getting return tickets canceled?

Since we were planning to visit LA anyway by car during the long vacation stay in California, it makes sense to start at LA and drive up to SFO then fly back from SFO, rather than making round trip journey from SFO by car to LAX during California stay.

Best if we can just get off at LAX, then drive to SFO after a few days, then after few days make return flight from SFO -- Any danger of Delta canceling our return journey due to now show in one leg?

According to this, seems difficult to do:
http://boardingarea.com/viewfromthewing/2012/01/07/how-to-use-hi...

I had heard about this "Hidden City" but for us this is accidentally coming up after booking award travel: and wanted to know how best to deal.

Anyone done this recently to jump of a non-terminal leg of the journey and still make remainder legs? (2nd leg of 4 part return trip in our case, with 4 family members in our case. Will airline listen to some medical reason or otherwise if told frankly (before or at LAX)?

Can't afford to get the Award travel canceled and re-booking will now not work due to filled lowest mileage slots for those legs on those dates.
Air Travel Deals
Free Kindle Book- The Second Coming of Christ (was $13.99)
Added on : Sunday April 13th 2014 04:00:02 AM
g: 0 Posted By: remick
Views: 78 Replies: 0 http://www.amazon.com/gp/product/B009W9CMWO

The King Is Coming! Have you ever tried to imagine what Christ's return will be like? As you explore the Scriptures with Charles Spurgeon in this book, you will discover the circumstances that will surround Christ's second comingwhat will actually happen during Jesus' reentry to Earth, what it means to watch for the Lord's reappearance, how to prepare yourself for His return, how to ensure the safety and acceptance of your loved ones, the heavenly rewards that are laid up for the righteous, how you are to act until Christ comes again, and how Christ's first Advent altered the course of all mankind, forever changing our destiny. His second coming will have an even greater impact as the King of Kings and Lord of Lords returns to earth, intervening in one moment to claim His bride and to judge all of humanity. "Blessed are those servants, whom the Lord when he cometh shall find watching." (Luke 12:37)


g: 0 Posted By: jackstone
Views: 92 Replies: 0 I am not certain if I will get red for this question but to me it is a rather difficult one to assess. Would appreciate your help on this and am happy to provide additional relevant info.

Getting a severance package from my current job (for a lump sum) and already have another one lined up, so not worried about job security for the present. A nice problem to have admittedly.

Quick disclosure, I already have 3 rental properties but they each have loans on them. The business model is working and I have no major issues with property management.

Ultimate question - use severance package to pay off student loans in full and still have some severance package cash lying around, or use an FW strategy to maximize long term net worth and earning power to offset student loan cashflow by purchasing rental property in full?

The question the wife and I are debating: We have about 56K in student loans combined between us, with an average interest rate of about 4.75% - a few are above 6% so I could see some arguments to pay at least those ones off. The monthly cost for our student loans is about $750 which I agree is ridiculously large. I could use this severance to vanquish the loans and eliminate the albatross of student debt once and for all. I would still then have close to enough cash lying around to possibly pursue a rental property downpayment and have a 4th mortgaged property, or could just throw it into a global stock index fund.

But all else equal, I am rather confident that I could locate a property that if purchased with cash, would offset the student loan cash flow completely, because the rental properties I already have (with loans on them) rent for higher than that monthly loan outflow, even after adjusting for property management fees, maintenance, etc; of course I have to pay mortgage expenses on the current 3 properties, so this would only work if I could find a property that I could FULLY pay - understand that some FWs might tell me to triple down and get three more mortgage properties instead of a single cash one. I will seriously consider taking money out of the cash paid for house after the rent and monthly expense situation is steady (let's say a year in) and then use it to buy another house with cash. The depreciation offset will also help in a big way until the student loans are due to be paid off - currently a mix of expiry, with most ending in 2019. Obviously once the student loans are paid off my cashflow situation dramatically improves - so 5 years out or so except for 1 of the loans (about 1/3 of the outstanding debt but at 3.5%) expiring in 2029.

Other considerations:

We always max out our Roth IRAs - may start to become inelgibile for Roth within the next year or two.
I have maxed out my 401k for two straight years and should be able to for the forseeable future. Wife's story a bit different but hope to at least come close to maxing by 2015.
Have another partnership that owns one triplex in a different geographic area, that has been a bit more challenging than the 3 rental properties I currently have - point is I have somewhat high exposure to real estate, though spread across 3 geographies.
Have a (what I will call) middle sized liquid stock portfolio, as well as auto monthly DRIP with 4 companies.
We will be moving, and there are often start up costs associated with that, but my new job's compensation should cover the difference in cost of living.
We have an infant daughter, and we will definitely need to start planning for school soon!

Thank you very much!
Personal Finance Deals
g: 0 Posted By: Compeek
Views: 47 Replies: 0 I bought a used car from a dealer two weeks ago for $6,300 out the door. I paid $1,000 down and financed the rest.I am 22 and have good credit (Discover said 773 last month), but still limited credit history obviously, so they gave me a loan with a 10% interest rate. My payments are $150.70 for 42 months. The loanisthrough Wells Fargo Dealer Services.

Now, I already had two other cars worth around $3,000 each that I am currently selling. The new car replaces both of them, so all of the money I get from selling those two can go to pay off the new car. I should easily get the $5,300 back from selling them and would be able to pay off the loan.The only reason I financed the car in the first place was because I wouldn't have the cash to pay for the new car until I sold both of the current cars.

(I'm sure I could have gotten a better rate at my own bank, etc., but my intention was to pay off the loan in the first month or two anyway, so I didn't care that much, and doing it through the dealer was easiest.)

My question is: Once I sell the other two cars and have the $5,300 (plus any accrued interest), should I pay off the loan in full, or should I pay it mostly off, but keep a small balance on it so that the loan stays on my credit and [potentially] helps my score for a while?

This is my first auto loan, so I don't know all of the intricacies, but I assume if I pay off all of the principal except, say, $100, I can just make very small payments for a while, and the loan will stay on my credit and bring my overall utilization down. Correct me if I'm wrong on that, though. And even if I'm right, maybe it's not worth the hassle, and I should just pay it off and be done with it.

Any input is appreciated!
Question Deals
g: 0 Posted By: remick
Views: 30 Replies: 0 Seed saving-Discover all the secrets to saving seeds-Tips & Techniques:all you need to know for seed starting
http://www.amazon.com/dp/B00AFCBDY0

4.4 out of 5 stars (23 customer reviews)

one more free book inside(the best herb to grow in your garden/home)

For those growing an organic garden, there is nothing more enjoyable than picking and saving seeds in order to plant them at the appropriate season.

In this step by step guide,Denny Hamlin, expert gardener, shares how simple it is to do the following:

1-Structure of a Seed
2- Gymnosperms vs. Angiosperms
3- Seed Growth and Development
4- Seed Germination
5-Factors Affecting Seed Germination
6- Steps in Seed Germination
7-Saving Seeds
8-all Tips on Saving Seeds of different organic plants

And this is just a small portion of what the book contains. In this manual I gathered tips and techniques from over 20 years of experience, simple explanations, and illustrations.



How To Improve Soil Condition in Your Garden
4.6 out of 5 stars (5 customer reviews)
http://www.amazon.com/Improve-Soil-Condition-Your-Garden-ebook/d...


Composting: A Comprehensive Guide to Making Your Own Compost
4.5 out of 5 stars (15 customer reviews)
http://www.amazon.com/Composting-Comprehensive-Guide-Making-Comp...


The Perfect Compost Plan: Simple Guide To Making Healthy Compost
4.5 out of 5 stars (14 customer reviews)
http://www.amazon.com/The-Perfect-Compost-Plan-Healthy-ebook/dp/...


Container Gardening : Container Garden Tips For Beginners For Successful Container Planting
4.8 out of 5 stars (13 customer reviews)
http://www.amazon.com/Container-Gardening-Beginners-Successful-P...


Raised Bed Gardening Planting Guide (2) - Making The Most Of A Raised Bed Garden For Growing Vegetables
http://www.amazon.com/Raised-Bed-Gardening-Planting-Guide-ebook/...


Chrysanthemums and Marigolds
http://www.amazon.com/Chrysanthemums-Marigolds-Harshita-Joshi-eb...


How to Grow Potatoes: Planting and Harvesting Organic Food From Your Patio, Rooftop, Balcony, or Backyard Garden
4.4 out of 5 stars (46 customer reviews)
http://www.amazon.com/How-Grow-Potatoes-Planting-Harvesting-eboo...


The Exotic Northern Garden
http://www.amazon.com/Exotic-Northern-Garden-Florence-Hoyt-ebook...


Houseplants, Cacti And Tropical Plants: A Collection Of Articles By Sheri Ann Richerson
http://www.amazon.com/Houseplants-Cacti-And-Tropical-Plants-eboo...
2 Dozen Eggs For $1
Added on : Saturday April 12th 2014 05:00:11 AM
g: 0 Posted By: atiggger
Views: 75 Replies: 2 I thought it was on this forum but now i can't find it. There was a posting telling you two or three promo cards to Target that you could download to your IP and use them to receive 2 dozen eggs " starting next week i believe " for just under a buck. With Easter fast approaching that would be PERFECT. Can anyone direct me on the correct path to find those codes?
THANKS
In Store Coupons Deals
RoboForm Everywhere Free for a Year
Added on : Friday April 11th 2014 04:00:06 PM
g: 0 Posted By: darlamack
Views: 124 Replies: 0 Received this via email from CNET newsletter:
Inthe wake of Heartbleed, netizens are scrambling to change their passwords. But then how do you handle the headache of remembering all those new passwords? RoboForm has the answer: one free year of RoboForm Everywhere, a $19.95 value.

A convenient password manager, form-filler, and bookmarking app, RoboForm Login eliminates the manual steps required to log in to online accounts. You keep your passwords and log-in info in RoboForm's encrypted cloud, and then you only have to remember one master password. This weekend only, get the convenience of RoboForm Desktop on all your devices, even mobile ones, with RoboForm Everywhere.

Offer ends 4/13/14 and is for new users only.
Computers & Software Deals
Amazon Char-Broil Big Easy Kabob Holder Set - $7.97 FS Prime
Added on : Friday April 11th 2014 05:00:09 AM
g: 0 Posted By: Genius069
Views: 249 Replies: 0 For those who have gotten in on the Big Easy in the past deals. Amazon has the Kabob Holder set for $8 w/ free shipping using Prime. Lowest price it has ever been was $7.77 according to camel

Link
Home & Garden Deals

Amazon Coupons
Gridseed Asic 5 Chips USB Scrypt Miner [$120] AC
Added on : Thursday April 10th 2014 07:00:03 PM
g: 0 Posted By: bkc15
Views: 93 Replies: 0 For those of you that like to Mine Crypto-coins.

Zoomhash has the miner for $120 after coupon: muchwow


http://zoomhash.com/products/batch-15-gridseed-5-chip-320-420-kh...


Zoomhash is legendary in their customer service. Please google their reputation. Thanks!
Computers Deals
g: 0 Posted By: TheDiggler
Views: 163 Replies: 0 WD AV-GP WD20EURS 2TB 64MB Cache SATA 3.0Gb/s 3.5" Internal Hard Drive -Manufacture Recertified Bare Drive@ $79.99
20% offrefurbished HDD's CPN (BTEPFPC54), expires Apr 13, 2014: -$16.00

Math: $79.99 - $16 (CPN) = $63.99 AC, shipped free (Shoprunner 2day Eligible)

Coupon may be restricted to those e-mail addresses which were sent the April 7th, 2014 e-mail titled:
"Heres Your Exclusive Component Coupons Dont Let Them Go to Waste!"
External Hard Drives Deals

Newegg Coupons
g: 0 Posted By: remick
Views: 149 Replies: 0 Your Everyday Superpower: Can the New Brain Science Open the Door to an Altered Reality?
http://www.amazon.com/dp/B00H1LB3P2

5.0 out of 5 stars (27 customer reviews)

What if we all have a superpower we didnt even know we had?
Over the past two decades, there has been a quiet revolution in the human species.
Were seeing something that looks like a science of miracles.
On a regular basis, specialists and researchers are working with stroke victims, those with acquired brain injury and Alzheimers patients, as well as those seeking to improve memory, attention, creativity and overall brain function, to bring about radical and previously unguessed-at changes in the brain.
Theyre developing games and brain aerobics to reverse memory and function loss in the aging, using active pleasure to unlock brain addiction, teaching mindfulness for beginners to chronic pain sufferers, and measuring the dramatic positive impact of meditation, gratitude and sensory pleasure.
But what if it goes even further?
In her work as the Sweet Relief Coach, Janette Dalgliesh lives by, and teaches, the principles of deliberate creation, known to many as the Law of Attraction through books like Rhonda Byrnes bestselling The Secret as well as through the work of Abraham-Hicks.
But she always felt there was a missing piece of the puzzle; a gap between the sub-atomic world of quantum physics, where everything is energy and consciousness has been proven to affect outcomes; the macroscopic, classically physical world of everyday reality; and the intangible world of the esoteric and spiritual.
There is plenty of growing evidence for the links between physical, mental and spiritual well-being; but how do they work?
Janettes journey of enquiry began when she encountered leading American psychiatrist and author Norman Doidge at a writers festival, where he was launching his bestselling book, The Brain That Changes Itself. She devoured the book on her journey home - nearly missing a train stop - and discovered a deep passion for this extraordinary new brain science; the world of neuroplasticity.
Were the mystics and philosophers right all along, when they claimed that humans have the power to create their own reality, physically and literally? Could this science reveal the biological missing link that helps us understand how an altered reality is possible?
In this wide-ranging exploration of the relationships between the brain, consciousness and reality itself, Janette draws on the work of scientists, researchers and authors from Jill Bolte Taylor, VS Ramachandran and Rudolph E. Tanzi to Deepak Chopra, Joe Dispenza and Don Goewey.
This book explores, in plain English, the wilds of brain chemistry, confirmatory bias, species-specific interface and more.
It seeks to find out how the brain presents us with our reality, and whether you can turn this extraordinary knowledge into your superpower.



7 Ways To Sharpen Your Mind You Wish You Knew: The Best Quick and Easy Ways to Improve Memory, Learn Anything And Everything
http://www.amazon.com/dp/B00ISSA3Y4

4.8 out of 5 stars (25 customer reviews)

Think Faster - Focus Better - Remember More!

This book presents creative, yet practical tips and techniques to refine and sharpen your memory. Rather than rely on the happy accident of involuntary memory, you will be able to control what sticks in your mind and have easier access once a memory is in there.
Now, there is no shortage of memory books and tools out on the market today. The problem with them is they require you to use highly technical systems,so that to improve your memory, you have to learn, understand, andapply a complicated set of instructions. This can be time consuming andrequire a lot of effort. Often the system that you are taught is usefulfor only a handful of situations. It might help you with rememberingnames or a grocery list, but fall short in other areas such as studying or test taking.
This Book takes a different approach. It provides you with tips and techniques that are easy to learn, and more importantly, easy to apply. It does not require that you waste time learning difficult systems. It offers techniques that work with the natural way your mind processes information, so you spend less time trying to remember a system and more time remembering the information you need.

You will learn about:

* The basic principles of improving your memory.
* The importance of eating and drinking smart.
* Organizational tools and methods.
* How to work your mind.
* How to stress less.
* Useful memory exercises.

Take action and read this book now and live smarter!
Totally Free Deals
Activation vis a vis Heartbleed
Added on : Thursday April 10th 2014 04:00:08 AM
g: 0 Posted By: shinobi1
Views: 86 Replies: 1 I had already posted on activation, in general, earlier this year:

Link to old thread

Tried to add this there, but that thread now seems to be closed.

So given:

1. Nobody wants to suffer the hassle of fraudulent CC charges, even though there is unlikely to be monetary loss.
2. Many of us have a sock drawer filled with dormant credit cards.
3. Heartbleed has now been revealed.
4. Changing passwords can be inconvenient.

I'm liking the option of activation avoidance for dormant credit cards (see earlier thread).

Upon logging into account received a message from my daily user, Priceline (Barclays), suggesting I change my password. I didn't want to, but I felt it would nevertheless be prudent to follow their recommendation. I changed my Priceline password.

Next thought went to the overflowing sock drawer. Way too much hassle to change all those passwords. Just gonna let the problem atrophy through multiple failures to activate.



Credit Deals
Nationwide Paid Military Study - $160
Added on : Wednesday April 09th 2014 01:00:07 PM
g: 0 Posted By: badsister
Views: 12 Replies: 0 Hoping this can help someone out!

I've done studies with Elliott Benson before - they are reputable and pay very quickly.

If interested, respond ASAP, as their studies fill up quickly.

Best of luck - and thank you for your service!
---------------------------------
Elliott Benson Research is currently conducting a PAID study for those affiliated with the military.

The study is taking place April 21-24 and is paying $160 for your participation.
If you, or anyone you know is interested, please click the link below to take a brief survey. If you qualify, you will be contacted by an Elliott Benson representative.

Please no calls on this project at the time, we will contact you!

Keep in mind that at no time will anyone try to sell you anything. Instead, our clients want to pay you for your opinions! All information given will be kept strictly confidential.
For more information on our company, please visitwww.elliottbenson.com/
Link to screening survey to see if you qualify: https://www.surveymonkey.com/s/ProjectEMPIRE
Discussion Deals
Nationwide Paid Military Study - $160
Added on : Wednesday April 09th 2014 01:00:05 PM
g: 0 Posted By: badsister
Views: 0 Replies: 0 Hoping this can help someone out!

I've done studies with Elliott Benson before - they are reputable and pay very quickly.

If interested, respond ASAP, as their studies fill up quickly.

Best of luck - and thank you for your service!
---------------------------------
Elliott Benson Research is currently conducting a PAID study for those affiliated with the military.

The study is taking place April 21-24 and is paying $160 for your participation.
If you, or anyone you know is interested, please click the link below to take a brief survey. If you qualify, you will be contacted by an Elliott Benson representative.

Please no calls on this project at the time, we will contact you!

Keep in mind that at no time will anyone try to sell you anything. Instead, our clients want to pay you for your opinions! All information given will be kept strictly confidential.
For more information on our company, please visitwww.elliottbenson.com/
Link to screening survey to see if you qualify: https://www.surveymonkey.com/s/ProjectEMPIRE
g: 0 Posted By: BigReader
Views: 25 Replies: 0 Chasing Fae Romance Book 1 Well Met in Forest Light:: A Fae Paranormal Romance Erotica

Amazon Kindle Edition
Launch sale (author says for April only)
Regular price $3.99 U.S. current sale price $0.99 U.S.

U.S. http://www.amazon.com/Chasing-Romance-Book-Forest-Light-ebook/dp/B00J84UGJO/ref=sr_1_fkmr1_1?s=digital-text&ie=UTF8&qid=1396098110&sr=1-1-fkmr1&keywords=fae+erotic+romance
U.K. http://www.amazon.co.uk/Chasing-Romance-Book-Forest-Light-ebook/dp/B00J84UGJO/ref=sr_1_fkmr1_1?s=digital-text&ie=UTF8&qid=1396098110&sr=1-1-fkmr1&keywords=fae+erotic+romance
Canada http://www.amazon.ca/Chasing-Romance-Book-Forest-Light-ebook/dp/B00J84UGJO/ref=sr_1_fkmr1_1?s=digital-text&ie=UTF8&qid=1396098110&sr=1-1-fkmr1&keywords=fae+erotic+romance
Australia http://www.amazon.com.au/Chasing-Romance-Book-Forest-Light-ebook/dp/B00J84UGJO/ref=sr_1_fkmr1_1?s=digital-text&ie=UTF8&qid=1396098110&sr=1-1-fkmr1&keywords=fae+erotic+romance

WARNING THIS IS AN EROTIC FANTASY FOR ADULTS BOOK ... contains Adult situations and explicit sex

Description from Amazon :
The first book in Jean Ecrivain's new Fae Paranormal Romance Erotica series "Chasing Fae Romance"

Poor little Sarah. She's blonde, beautiful, artistic, and successful. The only thing she doesn't have in her life is a man.

One day while jogging, she runs into Robin, an on-again-off-again boyfriend with a penchant for speaking as if he were in a Shakespearean play. Robin invites her to run away with him and act as hostess to a party he's throwing.

Which is fine until she meets Neo, a rich, sexy, and generous bad boy, who might not be what he seems. Neo sweeps Sarah and her business partner Tara off their feet and shows them what they've been missing with each other.

Will Sarah stay in her flower shop? Will she see Neo again? Will she go with Robin? Is Robin her Fae erotic knight? Or is Neo?

Warning this is a hot fae paranormal erotica book containing adult situations ... not for those under 18



Totally Free Deals
g: 13 Posted By: remick
Views: 2644 Replies: 2 http://www.amazon.com/gp/product/B00BXJCG1S

4.6 out of 5 stars (5 customer reviews)

Thinking about refinishing your kitchen cabinets?
Look no further. In this new book by home improvement author John Miller you'll learn the easy step-by-step methods to improve the look of your cabinets and transform your kitchen.

You'll learn:

- How to paint, repaint, stain and resurface your kitchen cabinets the right way.
- What tools and materials you absolutely must have to make the most of your project -- and what you can do without.
- When to hire a pro to do the job -- and which contractors to avoid at all costs!
- What to expect from those DIY refinishing kits, and how to budget accordingly. Hint: expect to pay more!
- How to determine what finish is on your cabinets now...and how to remove it correctly. Using the wrong stripping agent could ruin your cabinets permanently.
- The proper way to measure the square footage of your cabinets so that you don't overspend on materials.

John Miller takes you by the hand and walks you through the process of refinishing your kitchen cabinets the right way. This is the no-nonsense book you've been looking for -- complete with photographs to help you along. Grab your copy today!

Books & Magazines Deals
g: 0 Posted By: emma861
Views: 153 Replies: 0 Ritz Camera has 2-Pack 16GB Lexar Professional 400x (60MB/s) SDHC Memory Cards for $24.99. Shipping is free
The ones from buydig/Adorama were 200x versions (30MB/s). These are 400x (60MBs) for those who want faster cards.

http://www.ritzcamera.com/product/LEXLSD16GCTBNA4002.htm

$24.99 with free shipping

400x (60MB/s) transfer speed
Excellent for high-quality images and 1080p HD video recording
Ultra High-Speed, Class 10 card
Average Read Speed: 60MB/s
Minimum Write Speed: 20/MB/s
Includes downloadable Image Rescue 4 software
Limited lifetime warranty

SD & SDHC Deals
g: 2 Posted By: st4rdust
Views: 338 Replies: 3 Frys has an HGST 4TB Deskstar Coolspin 3.5" SATA III Internal Desktop Hard Drivefor $139.00 with free in-store pickup only.

For those who may be unaware (like I was until I researched this deal..) HGST stands for Hitachi Global Storage Tech. They're owned by Western Digital.

4TB Capacity
3.5" Form Factor
SATA III Interface
5400rpm Spindle Speed
Power Efficient CoolSpin Technology
32MB Cache
3 Year Limited Warranty

Hard Drives Deals
g: 1 Posted By: st4rdust
Views: 161 Replies: 1 Frys has an HGST 4TB Deskstar Coolspin 3.5" SATA III Internal Desktop Hard Drivefor $139.00 with free shipping.

For those who may be unaware (like I was until I researched this deal..) HGST stands for Hitachi Global Storage Tech. They're owned by Western Digital.

4TB Capacity
3.5" Form Factor
SATA III Interface
5400rpm Spindle Speed
Power Efficient CoolSpin Technology
32MB Cache
3 Year Limited Warranty

Hard Drives Deals
g: 0 Posted By: st4rdust
Views: 148 Replies: 0 The revised and expanded edition of Freakonomics (and Other Riddles of Modern Life),by Steven D. Levitt and Stephen J. Dubner, is available for $1.99.

Kindle Edition from Amazon
Android Edition from Google Play
Nook Edition from Barnes & Noble



For those of you who haven't read this book, I highly recommend it. I found it fascinating. 339,759 users at Goodreads gave it3.86/5 stars.

Here's Amazon's blurb:

"Which is more dangerous, a gun or a swimming pool? What do schoolteachers and sumo wrestlers have in common? Why do drug dealers still live with their moms? How much do parents really matter? How did the legalization of abortion affect the rate of violent crime?These may not sound like typical questions for an econo-mist to ask. But Steven D. Levitt is not a typical economist. He is a much-heralded scholar who studies the riddles of everyday lifefrom cheating and crime to sports and child-rearingand whose conclusions turn conventional wisdom on its head.Freakonomicsis a groundbreaking collaboration between Levitt and Stephen J. Dubner, an award-winning author and journalist. They usually begin with a mountain of data and a simple question. Some of these questions concern life-and-death issues; others have an admittedly freakish quality. Thus the new field of study contained in this book: freakonomics.Through forceful storytelling and wry insight, Levitt and Dubner show that economics is, at root, the study of incentiveshow people get what they want, or need, especially when other people want or need the same thing. InFreakonomics, they explore the hidden side of . . . well, everything. The inner workings of a crack gang. The truth about real-estate agents. The myths of campaign finance. The telltale marks of a cheating schoolteacher. The secrets of the Klu Klux Klan.What unites all these stories is a belief that the modern world, despite a great deal of complexity and downright deceit, is not impenetrable, is not unknowable, andif the right questions are askedis even more intriguing than we think. All it takes is a new way of looking.Freakonomicsestablishes this unconventional premise: If morality represents how we would like the world to work, then economics represents how it actually does work. It is true that readers of this book will be armed with enough riddles and stories to last a thousand cocktail parties. ButFreakonomicscan provide more than that. It will literally redefine the way we view the modern world."
Books Deals

Amazon Coupons
Assassin's Creed: Ezio Trilogy Edition (X360) - $16.99 @ Amazon
Added on : Tuesday April 08th 2014 03:00:02 PM
g: 0 Posted By: hellokitty27
Views: 76 Replies: 0 Amazon has Assassin's Creed: Ezio Trilogy Edition (X360) for $16.99 w/ free Super Saver shipping on orders $35+.

Includes:

ASSASSIN'S CREED 2: The Truth is Written in Blood: I will seek vengeance upon those who have betrayed my family, only to uncover a conspiracy bigger than I could have imagined. I am Ezio Auditore Da Firenze. I am an Assassin
ASSASSIN'S CREED: BROTHERHOOD: Be a Legend: I have always fought alone. But one man cannot defeat the entire Templar order. So I have recruited my fellow assassins. Together, we will forge The Brotherhood
ASSASSIN'S CREED: REVELATIONS: Two Assassin's. One Destiny: My blades have dispensed death and justice in equal measure. Yet I am no closer to discovering the truth behind our order. I must walk the path of my ancestor, Altair, to find my true purpose
g: 2 Posted By: Logician1313
Views: 219 Replies: 0 Microsoft Special Edition Camouflage Wireless Controller (X360) - $29.99 w/ Free Shipping at Best Buy

Normally $37.99, now $29.99 with free shipping.4.7/5 stars based on 837 buyer reviews.


Back again for those who missed it last month.
Xbox 360 Deals

Best Buy Coupons
g: 0 Posted By: remick
Views: 75 Replies: 0 http://www.amazon.com/dp/B00IDHDHMK

5.0 out of 5 stars (9 customer reviews)

If you travel and work online, youre dependent on technology. Love it or hate it, its part of your daily life without it, you wont get paid and yet its something thats barely mentioned when people talk about this lifestyle.

Working from the road comes with a unique set of challenges. The systems, equipment and processes that are perfect in a traditional office environment rarely work well outside of it. Unreliable Internet and no dedicated workplace make productivity a challenge, and the need to fit everything in your luggage severely limits your equipment choices.

Security is a major problem, yet one thats largely ignored until its too late. Theres a big difference between sitting in a cubicle protected by access cards and security guards, and wandering around the streets of a foreign city trying to find a cafe to work in. In the euphoria of finding a wireless network that actually functions, its rare to stop and think about the passwords and confidential information that youre sending across it and who else might be looking at them.

The risk of equipment failure is much higher on the streets of South East Asia than in an air-conditioned Manhattan office, yet theres no tech support person backing up your data or ready to come around with a new laptop when yours breaks.

You cant just walk around to a colleagues desk when theyre ten thousand miles and nine time zones away. Working together with a business partner or client is much harder when you're on the road, especially if youre trying to do everything by email.

If youre like most digital nomads, youre not a tech guru nor do you want to be. Instead, youre an expert in your own field an artist, photographer, writer, engineer or something else entirely. Every hour thats wasted trying to fix a computer problem is an hour youd much rather spend doing anything else. You just need things to work, using the right tools for the job and having enough knowledge to get everything done safely, securely and with a minimum of hassle. Technology is simply a means to an end.

Ive written this book for you.

Whether youre already a digital nomad or are planning to be, this book provides you with the straightforward, practical tech advice you need to work safely and effectively from anywhere.

Ill give you the knowledge to choose exactly which equipment you need and be certain about what you don't. Whether its a laptop, phone, hard drive or anything else, youll be able to focus on the features that matter on the road, and go beyond the sales people and specifications to make truly informed decisions.

Ill help you and your data stay secure in highly-insecure environments (including some you probably havent thought about). Youll have the right tools and gear to get faster, cheaper and more reliable Internet connections anywhere in the world and will know what to do when those connections inevitably stop working.

Youll save money on phone and data bills, and be able to collaborate effectively with others whether theyre on the other side of the table or the other side of the world. Youll know exactly how to prevent a tech disaster from destroying your business, and which websites and apps are worth your time and money.

In short, I completely demystify the technology behind life as a digital nomad. By the end of this book, youll be armed with the technical knowledge, skills, equipment and tools to run your business from wherever in the world you happen to be.
Totally Free Deals
Free Kindle Book - Negotiating When Money Matters: Home Improvement
Added on : Tuesday April 08th 2014 07:00:07 AM
g: 0 Posted By: remick
Views: 56 Replies: 0 http://www.amazon.com/dp/B00F6GIOW4

5.0 out of 5 stars (10 customer reviews)

Negotiating When Money Matters provides a low-stress, ethical way to get the best price. Contemplating a home improvement or repair? Dread the hassle, hate wondering if you've been overcharged? Most of us aren't Do-It-Yourselfers. The typical homeowner spends $4,000 per year on home improvement. If you own a home, you are on the verge of needing repairs or getting an upgrade; when or what is TBD.
To get the best price, you don't need to know their job or outsmart them. You just need to know what factors cause the price to go up and sidestep those. Find out the surprising thing you can do, taking about an hour of your time, that makes your chosen contractor give a competitive, honest price.
This delightfully juicy book covers the Three Things Businesses Value More Than Money, the 10 risk factors that increase the price, and how the payment schedule determines whether the job is done on time, or done at all.
Keeping yourself out of the overcharged group is easier than you think. It makes you a double winner, because customers who get a fair price are also more likely to get good work.
Totally Free Deals
g: 1 Posted By: remick
Views: 147 Replies: 0 http://www.amazon.com/gp/product/B00B85MQ8U

Compelling Accounts of Key People Who Have Formed Christian Belief through the Ages

All Christians' beliefs are shaped by those who went before them. Now these giants of Christian history are presented chronologically and in a format that helps readers get to know them. In addition to a biographical sketch, readers will discover each person's primary contributions to the Christian faith along with a brief quotation from their work. Students, history buffs, and curious readers will be fascinated as their faith is strengthened. Included are Polycarp, Justin Martyr, Augustine, Thomas Aquinas, Martin Luther, John Calvin, Karl Barth, Carl F. H. Henry, and more.
Books Deals

Amazon Coupons
g: 0 Posted By: Gauss44
Views: 18 Replies: 0 Sallie Mae agreed to postpone my payments on non-federal student loans for 3 months, which would have saved me about $2000 in the short term. I contacted them because my online account was still reading "past due" weeks later. Customer service told me that they just changed their minds. That plus a $2000 tax bill has me in financial turmoil.

I doubt there's anything I can do about Sallie Mae not honoring their verbal agreement. In was wondering if there's anything I can do in the future to make sure Sallie Mae honors their future agreements with me, should there be any? Or at least to protect myself if they do this again? (I might have to deal with them again since I'm planning to go to medical school.)

My thoughts: Maybe I could also tell them I'm recording the phone call and do so. Maybe that would allow me to sue if they lie again? And maybe they wouldn't offer me anything under those circumstances...
g: 0 Posted By: st4rdust
Views: 131 Replies: 0 Newegg Flash has a RAVPower Deluxe External Battery Charger(14000mAh Portable Power Bank) for $34.99 with free shipping.

4.3/5 stars based on 429 reviews from Amazonhere. This is a power bank - for those who may be unaware, you charge it and then it can charge your device on the go. They make charging convenient wherever you may not have an outlet handy.

14000mAh Capacity
1-yr. Warranty
Includes power bank, 2 coiled cables, 4 connectors, user guide and travel pouch

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

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

My thoughts on options:
1) Just stick to the plan the tax hit is not justified until I loose one of my parents. (Pro: keep taxes low Con: may incur taxes later, might not accomplish their goal.)
2) Take more of a hit to get to the point of no reportable income. Then apply for aid programs that do not have means tests to determine eligibility. (Pro: goal complete,minor benefits poor people get Con: lost flexibility in accomplishing goal, feel like deadbeats)
3) Is there a way to take a loan fromyour traditionalIRA secured by some note that the traditional keeps while you fund the Roth with the loan money so it is not income just loan money? (Don't know if doable because it is loan money not earned money going into ROTH)
Investing Deals
Amazon Sellers, Sales Taxes?
Added on : Monday April 07th 2014 11:00:17 AM
g: 0 Posted By: myhotrs
Views: 12 Replies: 0 I searched all over and could not find this. I know how to charge sales tax on my Amazon sales. What I am asking is whether folks here go through the hassle or not and if anyone knows what Amazon reports. I'm in California and selling both myself and FBA. Started a few months ago and volume will probably trip a 1099 this year. Thats not a problem, I'm prepared to pay income tax. I just can't believe how complex the tax issue is with AZ and that everyone who sells has gone through the pain of setting up and reporting every state.

Please don't respond with ethical comments or tax law, not interested.

If I missed an existing discussion, I apologize and if someone could point me in the right direction that would be appreciated. Also, PMs welcome for those who don't want to post.
.coldwatercreek.com Today ONLY 04/07/14 extra 50% off
Added on : Monday April 07th 2014 11:00:11 AM
g: 1 Posted By: DaysFan
Views: 310 Replies: 1 http://www.coldwatercreek.comhttp://www.coldwatercreek.com/sale.aspxSALE is valid for a limited time or while supplies last. Items priced as marked. Not valid on previous purchases. Sale prices available only on Coldwater Creek website, not by phone, mail or in stores. In the event of a return or exchange, the amount refunded will equal the actual merchandise purchase price paid. Product selections offered during sale may differ from product selections offered during non-sale periods.

OUTLET: Prices shown and product availability apply online only and may differ from those in our Factory stores. Quantities, sizes and colors are limited to stock in the online Coldwater Creek Outlet. Normal shipping fees apply. While intermediate markdowns may have been made previously, all reductions are based on original prices. Coldwater Creek Outlet reserves the right to add or remove items from our website, at any time, at our discretion. Product selections offered during promotional periods may differ from product selections offered during non-promotional periods.

FREE SHIPPING PROMOTION VALID ONLINE ONLY THROUGH 4/7/14. Free Standard Shipping with purchase of $50 or more, exclusive of tax, for all in-stock items shipped anywhere in the contiguous United States. Not valid on previous purchases. No cash value.
Clothing Deals

Coldwater Creek Coupons
g: 0 Posted By: Deals4mykids
Views: 10 Replies: 0 http://www.groupon.com/deals/excel-with-business-111
Great deal for those that need a certification for excel, but cant afford the expensive classes. Just thought I would share the great deal with everyone!
g: 1 Posted By: Deals4mykids
Views: 123 Replies: 1 http://www.amazon.com/gp/product/B00GOZV3TM
4.4 out of 5 stars.

Book Description
Publication Date: November 15, 2013
When it was first published in 1989, The 7 Habits of Highly Effective People was an almost instant bestseller--and quickly became a permanent part of the cultural lexicon. With over 25 million copies sold worldwide in over 40 languages since its first publication, this book continues to help millions of readers become more effective in both their personal and professional lives.

This is one of the rare books that has influenced presidents, CEOs, educators, and individuals all over the world not only to improve their businesses and careers but to live with integrity, service, dignity, and success in all areas of life. It has had an undeniable impact for the past 25 years--and will no doubt continue to be influential for many more.

ENDORSEMENTS

"Every so often a book comes along that not only alters the lives of readers but leaves an imprint on the culture itself. The 7 Habits is one of those books." --Daniel Pink, author of Drive and To Sell Is Human

"The 7 Habits encompass timeless principles that can help guide any company toward success." --Tony Hsieh, New York Times bestselling author of Delivering Happiness and CEO of Zappos.com, Inc.

"There are very few business books that are essential reading for anyone who wants to make a difference. This is one of the great ones." --Seth Godin, author of The Icarus Deception

"No person lasts forever, but books and ideas can endure. Stephen R. Covey's life is done, but his work is not. It continues, right here in this book as alive today as when first written." --Jim Collins

"Twenty-five years after it first appeared, the wisdom of The 7 Habits is more relevant than ever. On an individual level people are burning out, and on a collective level we are burning up the planet. So Dr. Covey's emphasis on self-renewal, and his understanding that leadership and creativity require us to tap into our own physical, mental, and spiritual resources, are exactly what we need now." --Arianna Huffington

ABOUT THE AUTHOR

Dr. Stephen R. Covey (1932-2012) was a world-renowned authority on leadership and family relations. He held a Bachelor of Science from the University of Utah, an MBA from Harvard, and a PhD from Brigham Young University. Dr. Covey served as Vice Chairman of FranklinCovey Co., and was an in-demand speaker, teacher, and organizational consultant. Throughout his career, Dr. Covey brought new insight and understanding to millions of readers and students.
Books Deals

Amazon Coupons
Diedrich Coffee K-Cup for Keurig Brewers, 96 Count $30.75
Added on : Monday April 07th 2014 03:00:02 AM
g: 2 Posted By: myonlyday
Views: 151 Replies: 1 Amazon Warehouse has the Diedrich Coffee K-Cup for Keurig Brewers, 96 Count for$30.75 Free Ship with $35 order.

http://www.amazon.com/Diedrich-Coffee-Keurig-Brewers-Medium/dp/B008YA16IS/

Good for those who like light coffee taste.
Grocery Deals

Amazon Coupons
g: 12 Posted By: remick
Views: 1882 Replies: 2 SEALS: A Fascinating Book Containing Seal Facts, Trivia, Images & Memory Recall Quiz: Suitable for Adults & Children
http://www.amazon.com/gp/product/B00J9SR0D4

Hi and a very warm welcome to "Seals". A Fascinating Book Containing Seal Facts, Trivia, Images & Memory Recall Quiz: Suitable for Adults & Children.

I'm one of those people who loves to hear about extraordinary facts or trivia about anything. They seem to be one of the few things my memory can actually recall. I'm not sure if it's to do with the shock or the "WoW" factor but for some reason my brain seems to store it for a later date.

I've always been a great believer in that whatever the subject, if a good teacher can inspire you and hold your attention, then you'll learn! Now I'm not a teacher but the system I've used in previous publications on Kindle seems to work well, particularly with children.

This edition includes a selection of those "WoW" facts combined with some pretty awesome pictures, if I say so myself! At the end there is a short "True or False" quiz to check memory recall and to help cement some of the information included in the book. Don't worry though, it's a bit of fun but at the same time, it helps to check understanding.



PENGUINS (The Essential Guide To Penguins For Kids On Kindle)
http://www.amazon.com/gp/product/B00C9QPA3K

Length: 178 pages

Hi and a very warm welcome to "Penguins, Penguins & More Penguins: Volume 1
.
I'm one of those people who loves to hear about extraordinary facts or trivia about anything. They seem to be one of the few things my memory can actually recall. I'm not sure if it's to do with the shock or the "WoW" factor but for some reason my brain seems to store at least some of it for a later date.
I've always been a great believer in that whatever the subject, if a good teacher can inspire you and hold your attention, then you'll learn! Now I'm not a teacher but the system I've used in previous publications on Kindle seems to work well, particularly with children.
This penguin edition includes a selection of those "WoW" facts combined with some pretty awesome pictures, if I say so myself! At the end there is a short "True or False" quiz to check memory recall and to help cement some of the information included in the book. Don't worry though, it's a bit of fun but at the same time, it helps to check your understanding.



Spiders & Insects
http://www.amazon.com/gp/product/B00HOFHZPW

Length: 205 pages

Hi and a very warm welcome to my "Spiders & Insects" Bundle Edition.

I'm one of those people who loves to hear about extraordinary facts or trivia about anything. They seem to be one of the few things my memory can actually recall. I'm not sure if it's to do with the shock or the "WoW" factor but for some reason my brain seems to store it for a later date.
I've always been a great believer in that whatever the subject, if a good teacher can inspire you and hold your attention, then you'll learn! Now I'm not a teacher but the system I've used in previous publications on Kindle seems to work well, particularly with children.
These two books include a selection of those "WoW" facts combined with some pretty awesome pictures, if I say so myself! At the end of each one, there is a short "True or False" quiz to check memory recall and to help cement some of the information included in the book. Don't worry though, it's a bit of fun but at the same time, it helps to check your understanding.

Books & Magazines Deals
Amending Fed and CA State Return Questions.
Added on : Sunday April 06th 2014 04:00:07 PM
g: 0 Posted By: MoneyHound
Views: 22 Replies: 0 My 19-year-old son who joined the military the end of last year erroneously claimed himself as an exemption on his federal and state income tax return. My wife and I claimed him as a dependent as he qualified last year. He has completed a 540X and 1040X to amend his returns. Question is which forms to send where! Obviously the 1040X goes to the IRS, and 540X goes to the franchise tax board. Question is which additional forms need to be sent. Does this amended 540NR (completed by all military stationed away from home state )need to be sent with the 540X as well? What about the 1040X or amended 1040EZ? Do those need to be sent with the 540X to the franchise tax board? And what goes to the IRS along with the 1040X? Does the amended 1040 EZ need to be included? The only change that is being amended is to remove his exemption and allow for him to be claimed as a dependent. This is clearly stated on both the 540X and 1040X. And help with this would be greatly appreciated.
Tax Deals
Withings WS-30 wireless scale for $29.99 @ Target BM clearance YMMV
Added on : Sunday April 06th 2014 03:00:02 PM
g: 0 Posted By: rankl
Views: 0 Replies: 0 For those health aficionados,
Withings WS-30 wireless scale for $29.99 @ Target BM clearance YMMV

price @ Amazon is 89.75 (black)

Accurate weight and BMI measurement with Position Control
Wirelessly uploads in Wi-Fi and Bluetooth
Health Mate app to visualize weight trends
Multi-user support with automatic recognition
Easy setup from iOS app, one tap Wi-Fi configuration sharing

Amazon link
g: 1 Posted By: remick
Views: 232 Replies: 1 http://www.amazon.com/Coolest-Kids-Science-Projects-Experiments-...

4.3 out of 5 stars See all reviews (15 customer reviews)

Cant find the right science project idea? Want to supplement your childs education at home?
Evans' collection of over 40 of the coolest kid approved science projects are guaranteed to light up your childs eyes and spark their imaginations. The book is geared towards elementary and middle school students, but can always be adjusted for more complex high school projects.
Drawing experiment ideas from Bill Evanss collection of fun and educational science projects is a great start to getting young children interested in science in a way that feels like games. You can choose from a variety of exciting experiments that cover different areas of science including projects in biology, physics and chemistry.
All projects require parental supervision, which makes them a great opportunity to build a stronger relationship between parents and children and share a unique experience together.



Also free

PENGUINS (The Essential Guide To Penguins For Kids On Kindle)

http://www.amazon.com/gp/product/B00C9QPA3K

Length: 178 pages

Hi and a very warm welcome to "Penguins, Penguins & More Penguins: Volume 1
.
I'm one of those people who loves to hear about extraordinary facts or trivia about anything. They seem to be one of the few things my memory can actually recall. I'm not sure if it's to do with the shock or the "WoW" factor but for some reason my brain seems to store at least some of it for a later date.
I've always been a great believer in that whatever the subject, if a good teacher can inspire you and hold your attention, then you'll learn! Now I'm not a teacher but the system I've used in previous publications on Kindle seems to work well, particularly with children.
This penguin edition includes a selection of those "WoW" facts combined with some pretty awesome pictures, if I say so myself! At the end there is a short "True or False" quiz to check memory recall and to help cement some of the information included in the book. Don't worry though, it's a bit of fun but at the same time, it helps to check your understanding.



Spiders & Insects
http://www.amazon.com/gp/product/B00HOFHZPW

Length: 205 pages

Hi and a very warm welcome to my "Spiders & Insects" Bundle Edition.

I'm one of those people who loves to hear about extraordinary facts or trivia about anything. They seem to be one of the few things my memory can actually recall. I'm not sure if it's to do with the shock or the "WoW" factor but for some reason my brain seems to store it for a later date.
I've always been a great believer in that whatever the subject, if a good teacher can inspire you and hold your attention, then you'll learn! Now I'm not a teacher but the system I've used in previous publications on Kindle seems to work well, particularly with children.
These two books include a selection of those "WoW" facts combined with some pretty awesome pictures, if I say so myself! At the end of each one, there is a short "True or False" quiz to check memory recall and to help cement some of the information included in the book. Don't worry though, it's a bit of fun but at the same time, it helps to check your understanding.

Books & Magazines Deals
Student loan provider screws up account balances. Recourse options?
Added on : Sunday April 06th 2014 07:00:07 AM
g: 0 Posted By: ricksreck
Views: 14 Replies: 0 Hi FWF, this one is painful as it is quite a pickle.

My student loan provider, "mygreatlakes.org", had a "system glitch" (as the customer support manager called it) sometime between February 10th and March 10th. The glitch was blamed by the support manager for the incorrect account balances displayed on multiple loan holder accounts. In my case, the total account balance for all of my loans was not manipulated, but the individual tokens (the different accounts with different interest rates that make up my total account balance) was. Here are the details:

1) I made a payment on January 27 to pay off the entire balance of my higher interest rate loan. 100% of this payment should have been applied to my higher interest loan because:
i) I am already ahead on my payments until January of 2017.
ii) and I already made a payment earlier in the month of January (so the requirement of applying a portion of your monthly payment to the other tokens in your account does not apply here --That was done for the earlier payment in January).

2) On February 10th I logged into my account to see that the transaction was properly processed. I found only 85% of my payment went to the higher interest loan, and the other 15% went to the lower interest loan. (instead of the entire 100% to the higher interest loan.

3) I immediately took screenshots of the transaction details for reference. I have details showing:
i) the transaction amount is equal to the balance of the higher interest loan balance (before the Jan 27 transaction)
ii) both my higher and lower interest loan balances before the transaction
iii) the loan balances after the transactions

Now the situation gets juicy!

4) I called to dispute the facts. The customer service rep apologized and said the account would be corrected within 10 business days.

5) I called back in 10 days because the new balance on my higher interest loan was over $1000!!! they actually added to my net account balance. Customer service apologized and said the account would be corrected within 10 business days.

6) I called back in 10 days. The balance was still not $0, in fact, it was even higher than the 15% left over from my Jan 27 payment (reference point 2 above -only 85% of my payment went to my higher interest loan I am trying to pay off). Now the transaction had been re-re-adjusted so that only 75% of my payment went to the higher interest loan. It only got worse... ughhhh!

7) I called back. The first time they said they would fix it and to check back in 10 days. 10 days later it still was not fixed.

8) I called back. This time the customer service rep did not believe me that my account should be at 0% for the high interest loan (problem #1), nor did she believe that my higher interest loan balance was previously at 15% of my January 27 payment (problem #2).

9) good thing I took screenshots... I emailed her the screenshots of the original transaction details.

10) She called me back four times over the course of two weeks; either to tell me they are still looking into it or to ask me questions. by the third week of her investigation I had not heard back from her.

11) ...So I called back... I got a new manager. This one blamed the balance issues on a "system glitch" which affected many different borrower accounts.
i) I asked her why I had not been informed of this upon its discovery. She said there was no need because it was quickly fixed. I became furious, but held my temper best I could.
ii) I asked her details about the glitch: how it happened? what did it do, exactly, to my account? I asked her to explain how the old 15% balance was figured before this hypothetical "glitch". ...She only started claiming facts off the top of her head which made me even more furious, but I still held my temper best I could.
iii) I requested all account history since my grace period ended (which was less than 6 months ago, so not very difficult). ...she couldn't even get that right because she only sent me history for the higher loan loan. Also, please not that the "history" information she provided me was generatedonly afterthis mysterious glitch. So, even though they may reflect the payment history as their system notes it is to date, there is no way of telling if this "glitch - correction" didn't modify my payment history distributions to individual tokens as well. This is what scares me, because if there was a glitch to begin with, how can one be sure that the system didn't glitch again in what they call their "glitch - correction". [Unfortuately, I am not lucky to have full account transaction history screenshots to accompany my Jan 27 transaction].


Ughhh....
That said, Is there any recourse to this? mygreatlakes.org offered to backtrack the interest to my Jan 27 payment (just wipe it out), which is a nice gesture, but they will not re-re-re-adjust the account (put the account back to the way I saw it when I took screenshots --problem #2.

Do I have a right to not pay any loans until they can prove that this was actually a glitch, AND that the current balance is actually correct. They haven't been able to do either of these things. I don't believe I should be obligated to make payments again until they can show me exactly WHERE and HOW this happened, and that it is in fact fixed. I had been following the old account history (prior to the glitch) and making multiple payments a month. I never noticed any incorrect calculations for any of those transactions. Please note: I am not saying i shouldn't pay my loans, I am saying I shouldn't be obligated to make payments or be charged interest until this issue is truly corrected... don't forget, they also failed to inform me in any way that my account had been "glitched" and manually manipulated to "correct" the glitch.




As forproblem #1--higher interest loan balance should be 0%-- that is just a whole other can of worms. I'll save that for a different day... maybe another thread.

Thanks guys!
g: 0 Posted By: BigReader
Views: 215 Replies: 0 Chasing Fae Romance Book 1 Well Met in Forest Light:: A Fae Paranormal Romance Erotica

AmazonKindle edition
Launch give away
Returns to launch sale on Monday

U.S.http://www.amazon.com/Chasing-Romance-Book-Forest-Light-ebook/dp/B00J84UGJO/ref=sr_1_fkmr1_1?s=digital-text&ie=UTF8&qid=1396098110&sr=1-1-fkmr1&keywords=fae+erotic+romance
U.K. http://www.amazon.co.uk/Chasing-Romance-Book-Forest-Light-ebook/dp/B00J84UGJO/ref=sr_1_fkmr1_1?s=digital-text&ie=UTF8&qid=1396098110&sr=1-1-fkmr1&keywords=fae+erotic+romance
Canadahttp://www.amazon.ca/Chasing-Romance-Book-Forest-Light-ebook/dp/B00J84UGJO/ref=sr_1_fkmr1_1?s=digital-text&ie=UTF8&qid=1396098110&sr=1-1-fkmr1&keywords=fae+erotic+romance
Australia http://www.amazon.com.au/Chasing-Romance-Book-Forest-Light-ebook/dp/B00J84UGJO/ref=sr_1_fkmr1_1?s=digital-text&ie=UTF8&qid=1396098110&sr=1-1-fkmr1&keywords=fae+erotic+romance

WARNING THIS IS AN EROTICA BOOK ... Adult situations and explicit sex

Description from Amazon:
The first book in Jean Ecrivain's new Fae Paranormal Romance Erotica series "Chasing Fae Romance"

Poor little Sarah. She's blonde, beautiful, artistic, and successful. The only thing she doesn't have in her life is a man.

One day while jogging, she runs into Robin, an on-again-off-again boyfriend with a penchant for speaking as if he were in a Shakespearean play. Robin invites her to run away with him and act as hostess to a party he's throwing.

Which is fine until she meets Neo, a rich, sexy, and generous bad boy, who might not be what he seems. Neo sweeps Sarah and her business partner Tara off their feet and shows them what they've been missing with each other.

Will Sarah stay in her flower shop? Will she see Neo again? Will she go with Robin?

Warning this is a hot fae paranormal erotica book containing adult situations ... not for those under 18
Totally Free Deals
Amazon Board Game Sale
Added on : Saturday April 05th 2014 05:00:08 AM
g: 1 Posted By: kmsandrbs
Views: 271 Replies: 0 Gold Box Deal of the Day

For board gamers, here is an opportunity to pick up one (or several) new games at great prices.

Most (if not all) of these are fantastic games. Most of them are at (or below) their lowest previous price on Amazon (according to Camel Camel Camel for those I checked then I ran out of time). A couple might be cheaper elsewhere, so it wouldnt hurt to shop around, but for the most part, these are really good or great prices.Ticket To Ride by Days of Wonder
4.8 out of 5 stars (1,306)
Price: $29.99
Camel Camel Camel: lowest price on AZ by $2; has been a couple $$ cheaper elsewhere once or twice

Forbidden Island by Gamewright
4.6 out of 5 stars (547)
Price: $10.19
Camel Camel Camel: lowest price on AZ, been ~$1 cheaper elsewhere a couple of times

7 Wonders by Asmodee
4.7 out of 5 stars (414)
Price: $27.99
Camel Camel Camel: Lowest price on AZ; has gotten down to $20 sometimes at other sellers

Takenoko Board Game by Asmodee
4.7 out of 5 stars (98)
Price: $26.99
Camel Camel Camel: pretty much the cheapest its been anywhere

Dominion by Rio Grande Games
4.8 out of 5 stars (688)
Price: $24.99
Camel Camel Camel: Cheapest AZ ever, but has been below $20 from other sellers several times

Dixit by Asmodee
4.6 out of 5 stars (122)
Price: $18.99
Camel Camel Camel: Not quite the cheapest ever on AZ (but close); been down to $14 at other sellers

Rampage Board Game by Asmodee
4.4 out of 5 stars (15)
Price: $33.99 Camel Camel Camel: By far the lowest it has been on AZ; only a couple $$ cheaper a couple times elsewhere

SJG Zombie Dice by Publisher Services Inc (PSI)
4.6 out of 5 stars (251)
Price: $7.99
Camel Camel Camel: been cheaper on AZ and you can currently by for $1 less elsewhere

Puerto Rico by Rio Grande Games
4.7 out of 5 stars (210)
Price: $24.99
Camel Camel Camel: best price on AZ; looks like it has recently been selling for less elsewhere

Dominion: Big Box by Rio Grande Games
4.7 out of 5 stars (158)
Price: $53.99
Camel Camel Camel: Pretty much the lowest it has been (certainly on AZ, only $1 cheaper elsewhere)

Munchkin by Steve Jackson Games
4.6 out of 5 stars (285)
Price: $14.99

Tsuro of the Seas by Calliope Games
4.6 out of 5 stars (27)
Price: $23.99

Zombicide Base Game by Guillotine Games
4.7 out of 5 stars (131)
Price: $51.99

Tokaido Board Game by Passport Game Studios
4.6 out of 5 stars (23)
Price: $23.99

Eclipse Board Game by Asmodee
4.6 out of 5 stars (81)
Price: $49.99

Munchkin Zombies by Steve Jackson Games
4.7 out of 5 stars (82)
List Price: $24.99

Zombicide Season 2: Prison Outbreak by Guillotine Games
4.7 out of 5 stars (13)
Price: $56.99

Nations Board Game by Asmodee
4.7 out of 5 stars (10)
Price: $55.99

Axis and Allies 1941 Board Game by Wizards of the Coast
4.0 out of 5 stars (29)
Price: $18.99

Say Anything by North Star Games
4.5 out of 5 stars (165)
Price: $14.99

Koryo Card Game by Asmodee
5.0 out of 5 stars (1)
Price: $14.99

Diplomacy by Wizards of the Coast
4.5 out of 5 stars (56)
Price: $18.99

Walking Dead The Best Defense Board Game by Cryptozoic Entertainment
4.0 out of 5 stars (26)
Price: $23.99

Rise of Augustus Board Game by Asmodee
4.9 out of 5 stars (9)
Price: $21.99

Acquire by Wizards of the Coast
3.9 out of 5 stars (90)
Price: $18.99

Game Deals

Amazon Coupons
April Free Kindle Book -
Added on : Saturday April 05th 2014 04:00:12 AM
g: 0 Posted By: BigReader
Views: 43 Replies: 0 Chasing Fae Romance Book 1 Well Met in Forest Light:: A Fae Paranormal Romance Erotica

AmazonKindle edition
Launch give away
Returns to launch sale on Monday

U.S.http://www.amazon.com/Chasing-Romance-Book-Forest-Light-ebook/dp/B00J84UGJO/ref=sr_1_fkmr1_1?s=digital-text&ie=UTF8&qid=1396098110&sr=1-1-fkmr1&keywords=fae+erotic+romance
U.K. http://www.amazon.co.uk/Chasing-Romance-Book-Forest-Light-ebook/dp/B00J84UGJO/ref=sr_1_fkmr1_1?s=digital-text&ie=UTF8&qid=1396098110&sr=1-1-fkmr1&keywords=fae+erotic+romance
Canadahttp://www.amazon.ca/Chasing-Romance-Book-Forest-Light-ebook/dp/B00J84UGJO/ref=sr_1_fkmr1_1?s=digital-text&ie=UTF8&qid=1396098110&sr=1-1-fkmr1&keywords=fae+erotic+romance
Australia http://www.amazon.com.au/Chasing-Romance-Book-Forest-Light-ebook/dp/B00J84UGJO/ref=sr_1_fkmr1_1?s=digital-text&ie=UTF8&qid=1396098110&sr=1-1-fkmr1&keywords=fae+erotic+romance

WARNING THIS IS AN EROTICA BOOK ... Adult situations and explicit sex

Description from Amazon:
The first book in Jean Ecrivain's new Fae Paranormal Romance Erotica series "Chasing Fae Romance"

Poor little Sarah. She's blonde, beautiful, artistic, and successful. The only thing she doesn't have in her life is a man.

One day while jogging, she runs into Robin, an on-again-off-again boyfriend with a penchant for speaking as if he were in a Shakespearean play. Robin invites her to run away with him and act as hostess to a party he's throwing.

Which is fine until she meets Neo, a rich, sexy, and generous bad boy, who might not be what he seems. Neo sweeps Sarah and her business partner Tara off their feet and shows them what they've been missing with each other.

Will Sarah stay in her flower shop? Will she see Neo again? Will she go with Robin?

Warning this is a hot fae paranormal erotica book containing adult situations ... not for those under 18
g: 0 Posted By: bippie
Views: 163 Replies: 0 Decent enough deal for San Francisco Bay Fog Chaser coffee pods from Costco.com: San Francisco Bay Fog Chaser Coffee Pods

160 pods are $51.99 plus tax. Shipping is included. I do not know if these are available in Costco B&M locations.

For those who don't know, these pods are not like the typical Kcups. They are not molded plastic so speculation is that the pods don't require a royalty payment to Keurig and therefore are less expensive.

These cups have a strong foil top with a mesh bag hanging from it to filter the coffee. I've tried these via previous deals on FW and the coffee is really good. The pods work fine in my Keurig machine.

This is Costco so you don't have much to lose. If you don't like the pods, you should be able to return them easily.
Food Deals
g: 0 Posted By: remick
Views: 68 Replies: 0 http://www.amazon.com/gp/product/B00BXJCG1S

4.6 out of 5 stars (5 customer reviews)

Thinking about refinishing your kitchen cabinets?
Look no further. In this new book by home improvement author John Miller you'll learn the easy step-by-step methods to improve the look of your cabinets and transform your kitchen.

You'll learn:

- How to paint, repaint, stain and resurface your kitchen cabinets the right way.
- What tools and materials you absolutely must have to make the most of your project -- and what you can do without.
- When to hire a pro to do the job -- and which contractors to avoid at all costs!
- What to expect from those DIY refinishing kits, and how to budget accordingly. Hint: expect to pay more!
- How to determine what finish is on your cabinets now...and how to remove it correctly. Using the wrong stripping agent could ruin your cabinets permanently.
- The proper way to measure the square footage of your cabinets so that you don't overspend on materials.

John Miller takes you by the hand and walks you through the process of refinishing your kitchen cabinets the right way. This is the no-nonsense book you've been looking for -- complete with photographs to help you along. Grab your copy today!

Books & Magazines Deals
New home - what builder option to choose?
Added on : Friday April 04th 2014 04:00:04 PM
g: 0 Posted By: arouncoumar
Views: 49 Replies: 0 I am looking at add only those options that are difficult to do using a contractor after I purchase the home or wherein the builder price is similar to what I will get from the contractor. Please provide your opinion by looking at the option listhttps://app.box.com/s/ea83sfmmaxmtd6qgb63l

Question Deals
g: 0 Posted By: remick
Views: 124 Replies: 0 http://www.amazon.com/Trivia-Quiz-Pub-Book-InQUIZitive-ebook/dp/...

Too many trivia and pub quizzing books in the market are focused on memorization of dry facts & obscure trivia. This book is different.It features trivia quizzes where you can work out each answer. And, if by chance you are unable to work out a particular trivia question, you will be left with a "Shucks! I should have guessed that feeling" once you see the answer.

Here is what some of the reviewers on Amazon had to say:

- The book is fun for two reasons. Firstly: it will provoke much discussion and guessing if you pull this out and play as a group or even a couple, let's say, on a long car trip, plane flight, a rainy night in a camping tent, or whenever it seems time is dragging. And secondly, answering these kinds of questions could help you guess the answer to high school or college test questions.
- Goes without saying from the number of stars I've given, the content is simply superb!
- This was an enjoyable and entertaining trivia book to read. The topics in the book make you think and they brought back a lot of memories. This would be a fun book to have with a group of friends and have one person read a question and have the group try to come up with the correct answer.
- What I really enjoyed about InQUIZitive is that questions are typically paragraph-length and give some background for the answer. I knew (or guessed) the correct answers for many questions, but even for the ones I couldn't answer, I learned some interesting tidbits.
- I am a fan of trivia and a history buff, so I enjoyed this book to the max. It gave me information about things I have never thought about in relation to trivia.

And here are three 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 persons 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

This book features multiple such questions that will leave you wanting more.You can rest assured that this book features trivia that is fun, entertaining & enlightening.


http://www.amazon.com/Trivia-Quiz-Pub-Book-InQUIZitive-ebook/dp/...

http://www.amazon.com/dp/B00G0NN7QA
Totally Free Deals
g: 0 Posted By: lostgrace
Views: 203 Replies: 0 Regular price = $359.99
On sale for $265.99 - $20.00 (coupon code LAWN20) = $245.99
Free in-store pickup
Shop Your Way members can use/earn points
http://www.sears.com/craftsman-190cc-22inch-front-drive-self-pro...

Item # 07137041000P
Model # 37041

The Craftsman 190cc Front Drive Self Propelled Mower delivers versatility and toughness with a value that might just have you thinking lawn care isn't so bad after all. With a 675 Gold Series Briggs & Stratton engine with 190cc's of power, there's no denying this Craftsman mower has the guts to cut down just about any length of grass in its path. No only is the engine potent, but it's easy to start, too, thanks to Ready Start and Smooth Start&trade. Ready Start is a system that eliminates the need for priming and choking the engine so all you have to do is pull, which is about 20 percent easier than on other lawn mowers thanks to Smooth Start. The mower pulls its own weight, too, as it cuts its way across your yard with a variable speed gear drive system on the front wheels so it moves at the speed you want it to move - effortlessly. There's no more need to lean into the handle with all your weight to mow up hills or through thick or wet grass which not only makes this Craftsman lawn mower more comfortable, but safer, too.

Even with all of those comfort features, this Craftsman 22 inch Self Propelled Mower gets the job done and done well. Four height positions on the 22 inch high performance deck help you get the ideal look and feel you want on your lawn. Not only do you get to choose how thick and luscious you want your grass, but how to dispose of it as well by bagging, mulching or discharging the clippings. The bagger door automatically stays open to make removing the bag even easier and simply closes with a squeeze of the control ball. Mulching delivers highly important nutrients back to your lawn without the cluttered look of leaving the clippings behind. With so many features on this versatile mower, the hardest thing you might do is put it away - and Craftsman even makes that easy thanks to its folding adjustable handle.

Featuring a 22-in. high-performance deck, the Craftsman 190cc Front Drive Self Propelled Mower offers excellent bagging, mulching or discharging
675 Briggs & Stratton Gold Series 190cc* engine with Smooth Start (20% easier to pull); ReadyStart** (no priming needed); and M.R.S.
Front drive, variable speed propelled drive system lets the mower do the work
EZ Bagging Access features a bagger door that stays open for easy bag removal
Dust-Blocker Grass Bag helps keep dirt away from user
Available in all 50 states
2-year warranty protects your investment
Made in USA
*As rated by the engine manufacturer
**Starting Promise: Briggs & Stratton Corporation warrants to the original owner, that select 550ex Series, 675ex Series, 725ex Series and Professional Series engines equipped with ReadyStart will always start on the first or second pull or we will fix it for free.

Home & Garden Deals

Sears Coupons
costco coupon book 4/10-5/4/14
Added on : Friday April 04th 2014 01:00:02 AM
g: 1 Posted By: VivYip
Views: 138 Replies: 0 credit horizon6

the coupon savings book is online. The savings are from 4/10 - 5/4

http://www.costco.com/warehouse-coupon-offers.html

items that caught my attention:

chevron techron $7 off
roundup $9 off
snapware 18pc $6 off
listerine $2 off
lubriderm $3.75 off
claritin $6 off
starbucks via 3.25 off
kirkland black trash bags 2.75 off
charmin $2 off
bounty $2 off
finish $3 off
kleenex 3.50 off
bridgestone tiers $70 off
tide +downy 6.50 off
tide + bounce $9 off
pantene $2 off
head and shoulders $2 off
cascade $2 off

more too, but those are usually what i notice.

Thank you for reading
Costco Deals
New graduate starting a business
Added on : Thursday April 03rd 2014 04:00:06 PM
g: 0 Posted By: BloodyInsane
Views: 114 Replies: 0 This is my first time posting in FWF.
The gist of it:
I'm graduating with $19,000 in student loan debt and have a 6 month grace period I want to take advantage of. I have enough savings live and pay interest during the 6 months. So, during the grace period, I want to start multiple tech business, some with partners, some without. Good idea? Bad? Best course of action? General advice?

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

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

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

Discussion Deals
Plan B One Step Emergency Contraceptive $18.59 Amazon
Added on : Thursday April 03rd 2014 07:00:05 AM
g: 2 Posted By: nyseGUY
Views: 246 Replies: 2 The 'Zon has Plan B One Step Emergency Contraceptive for less than $20 shipped. Drugstores normally sell this for $50 and it's one of those things where time is of the essence so why not have it on hand already. I'd rather have a Fat wallet than a preganant gf!
Health Deals

Amazon Coupons
g: 0 Posted By: bittul
Views: 146 Replies: 0 $895 ("regular" sale price for these are between $200-$300, so 2 for $188 is a good deal in my book)

The Signature line is the lowest tier of their quality suits (the lower range of suits are also 2 for $188, but those aren't that great of a deal imho).

http://www.josbank.com/menswear/shop/SubCategory_11001_10050_9225000

In cart enter code: RMNTEN
Clothing Deals

Jos. A. Bank Coupons
Robot Roomba 770 - $100 off - $399.99 (plus tax) FSSS Amazon
Added on : Wednesday April 02nd 2014 08:00:09 PM
g: 0 Posted By: ruwebb
Views: 80 Replies: 0 The irobot Roomba 770 has been discounted again on Amazon: link. It is $399.00 with free shipping. It will be a little more for those of you that have sales tax.

The price of this product fluctuates quite a bit, but this is one of the lowest prices seen on Amazon.
Appliance Deals

Amazon Coupons
Thule 968XT Thruway 2-Bike Trunk Rack $49 Performance Bike
Added on : Wednesday April 02nd 2014 06:00:04 PM
g: 0 Posted By: tedhawkins
Views: 155 Replies: 0 Thule 968XT Thruway 2-Bike Trunk Rack $49 performance bike


http://www.performancebike.com/bikes/ProductDisplay?catalogId=10...

Thule 968XT Thruway 2-Bike Trunk Rack

This Thule 2-bike trunk carrier is designed for those times when you can't hit the tarmac quick enough. Now updated with a wider base for even more stability.
High-strength steel frame features a single pivot hub for easy set-up and removal
Soft, rubber cradles with internal rows protect your bike's top tube and cables
6 polyamide straps and bike arm stops offer maximum security
Folds flat for easy storage
Holds up to 70lbs
Auto Parts Deals

Performance Bicycle Coupons
Found Old Will from Deceased Grandfather...How to Proceed
Added on : Wednesday April 02nd 2014 05:00:09 PM
g: 0 Posted By: abracadabra1
Views: 207 Replies: 3 My family recently found an old will belonging to my grandfather (he passed away in the 1980s). The will lists specific assets (to include account numbers) and how those assets should be apportioned. Some of the accounts listed are with firms that have been absorbed by larger institutions. Some of the accounts are listed with institutions in other countries. I planned on trying an initial inquiry via telephone and later a certified letter with the single US-based institution that absorbed the firm that originally held his account. However, I'm pretty clueless on how this might trigger probate.

Any advice/suggestions are appreciated.

A few additional notes:
- My grandfather had several children across 2 marriages.
- His will was never notarized or affirmed by additional parties.
- The size of these assets are unknown, but not expected to be significant.
Personal Finance Deals
in 2015, Only 1 IRA rollover per year per individual
Added on : Wednesday April 02nd 2014 05:00:13 AM
g: -6 Posted By: swampwiz
Views: 659 Replies: 3 It seems that those of us Fat Wallet-ers who have been using the chaining method of extending an IRA distribution over a 60 day period (i,e., taking a distribution from the 1st IRA, dispose of it, then taking a distribution from the 2nd IRA, using the proceeds to do a rollover back into the 1st IRA, then taking a distribution from the 3rd IRA, using the proceeds to do a rollover back into the 2nd IRA, ad infinitum) will not longer be able to use this loophole. There was a Tax Court case involving an individual named Bobrow in which the judge ruled that instead of being able to do a rollover once a year for each IRA, there can only be one rollover per year per individual - which of course kills this loophole.

What made this such an insidious ruling is that the IRS's own guidance to taxpayers (i.e., specifically Publican 590) is direct contradiction to this ruling (i.e., the guidance is that there can be any number of rollovers per year for an individual, just one per IRA). The IRS has issued a statement that it intends to change its guidance so as to follow the ruling - but only starting in 2015. And most importantly for those of us (like yours truly) in the midst of this scheme, the IRS will not follow this ruling until 2015. (As for myself, the last rollover in my scheme will be the solitary one done at the beginning of 2015, using a distribution that will be non-rolled over, so I am barely squeezing through! )

Here is an article about this: http://www.forbes.com/sites/janetnovack/2014/03/25/gotcha-tax-co...

Here is the official IRS announcement: http://www.irs.gov/pub/irs-drop/a-14-15.pdf
Discussion Deals
Reload Starbucks card with Visa and get up to a $10 bonus (Targeted?)
Added on : Wednesday April 02nd 2014 05:00:09 AM
g: 3 Posted By: bru20
Views: 721 Replies: 3 Unclear if this is targeted but added it just in case. If you receive the email it should work. Otherwise YMMV.

Got an email this morning:

By reloading your registered Starbucks Card with a Visa card by April 8, we'll automatically load a bonus amount directly to your Starbucks Card before April 16.

Reload $20 and you'll get a bonus $5.
Reload $40 and you'll get a bonus $10.

Reward recipients will be notified within one week of offer delivery. Those notified will receive a $5 or $10 bonus loaded directly on their Starbucks Card account by April 16, 2014. All bonus recipients will receive an email with additional redemption information.

1 per customer. Offer cannot be forwarded or transferred.


Restaurants & Entertainment Deals

Starbucks Store Coupons
Free Kindle Book- The Old Car Nut Book
Added on : Wednesday April 02nd 2014 03:00:09 AM
g: 0 Posted By: remick
Views: 127 Replies: 0 http://www.amazon.com/The-Old-Car-Nut-Book-ebook/dp/B00ENK6B06

4.9 out of 5 stars (27 customer reviews)

The Old Car Nut Book was designed with the idea that EVERYONE in the old car hobby has a story or two to tell. It provides a place for people to tell those stories that often dont get shared outside of a garage or with a couple of buddies from the back fender of a special ride during a car show. These are stories from regular Old Car Nuts from across America.

Contributors range from people like the average Joe at a car show to collectors and restorers that are very well known and respected in their local communities. These individuals have spent a lifetime of buying, selling and admiring old cars and while some of them were not that old when they started admiring them, both and the cars are older now!

The stories in this book tell about the contributors experiences from the time that cars first caught their eye up to their latest project and reveal the people and events that made an impact on them.

The Old Car Nut Book is about people and it gives readers an opportunity to find out more about like-minded people that they may never hear about otherwise. Some of the stories in this book are of people finding garages storing timeless classics, those barn finds that have always been sought after, or of rescuing jalopies rotting away in open fields or under overhanging trees and being used as chicken coupes. Some of those cars were restored and some only needed to be preserved. Others were discarded, once again, in favor of an easier or more desirable project. More importantly, youll read about the emotions, decisions, and adventures that went along with them.

Youll read about the first ride in a hot rod, the first time driving, and double dates in old beater cars available to young and nearly penniless teenagers many years ago, and how some of those old beaters are now priceless classics that sell for big bucks. First car stories are a few page flips away.

Many of the storytellers reveal how dreams of building cars began at an early age, starting with models, bikes, scooters, or dune buggies. Several painted cars with their mothers vacuum cleaners in the back yard. More than once, youll find the authors of these stories lament, I wish I still had that car!

Old Car Nuts come in all shapes, sizes, and varied levels of interest and involvement and for many, speed, and power were the things that mattered as they moved through life. Some raced and some watched. Some wrenched and some drove. Some raced at the track and some on the street. Some went to extremes to win and some were happy just making a run whether the outcome was the thrill of victory or the necessary agony of the occasional defeat.

A few witnessed historical moments and several played a part in building iconic cars. A handful of these guys cars made their way to private collections or museums and a lot of them wound up dismantled for the valuable parts.

Youll find that you will enjoy reading these stories over and over again and will want to share them with friends and family, as well. You'll laugh and you'll cry. You'll step right into the past with each story told. For now, dig in and enjoy!
Totally Free Deals
Reload Starbucks card with Visa and get up to a $10 bonus
Added on : Wednesday April 02nd 2014 03:00:05 AM
g: 1 Posted By: bru20
Views: 181 Replies: 0 Got an email this morning:

By reloading your registered Starbucks Card with a Visa card by April 8, we'll automatically load a bonus amount directly to your Starbucks Card before April 16.

Reload $20 and you'll get a bonus $5.
Reload $40 and you'll get a bonus $10.

Reward recipients will be notified within one week of offer delivery. Those notified will receive a $5 or $10 bonus loaded directly on their Starbucks Card account by April 16, 2014. All bonus recipients will receive an email with additional redemption information.

1 per customer. Offer cannot be forwarded or transferred.
Restaurants & Entertainment Deals

Starbucks Store Coupons
g: 1 Posted By: remick
Views: 70 Replies: 0 http://www.amazon.com/gp/product/B00BQZ0RF6

4.6 out of 5 stars (12 customer reviews)

Do you like riddles? Do you like brain teasers? Are you a problem solver? Are you creative? Do you think outside the box? If you can answer yes to any of these questions, this book may be perfect for you.

Introducing a collection of the best riddles and brain teasers that has been years in the making. These will challenge the way you think, introduce you to new ways to look at problems, and expand your mind.

People who love riddles are familiar with the rush of the "aha!" moment, the "that's it!" moment, that "of course!" moment, the moment of clarity that you get when the lightbulb goes off and you've figured it all out. Those moments are great exercise for your mind and brain and will help to keep you mentally sharp.

Even if you are new to riddles and brain teasers this book will be a fun and exciting read, it will help you become a better problem solver and become more comfortable with thinking outside the box. The problems in this book range in difficulty from light & easy to hard to very hard and will provide a challenge for even the sharpest mind.

There are discrete reasoning riddles, mathematical reasoning riddles, practical reasoning riddles, and some classical logic riddles as well. There is no word play, the puzzles have definite and satisfying answers, and some of them will blow your mind.

In this book you will be figuring out how to cross bridges, how to escape from prison cells, how to steal rope, how to shoot cyborgs, how to transport bananas through the desert, how to figure out the color of a hat you have on, how to turn on lightbulbs, and how to save a ton of prisoners from being executed!
Totally Free Deals
g: 0 Posted By: elph31337
Views: 63 Replies: 0 For those who missed out on the last deal.

http://www.onlyong.com/delta/or call1-888-466-4427 and ask for offer code GETMILES10.

Miles will post as follows: 5,000 after 30 days, 5,000 after term of contract is completed.

Offer valid for following providers: Vectren Energy,Dominion East of Ohio, Columbia Gas of Ohio,Duke Energy. Requires 6 or 12 month contract, early termination fee applies.

Compare third party provider rates/contracts athttp://www.energychoice.ohio.gov/ApplesToApplesCategory.aspx?Category=NaturalGas#

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

Discussion Deals
Cheap source to update your vehicle NAV DVD for $49
Added on : Monday March 31st 2014 12:00:02 PM
g: -3 Posted By: z3n
Views: 790 Replies: 5 If you are like me and have an older car with a NAV and want to update to 2014 maps, then you should considerNAVDVDS.COM

Most makes look to be $49 + shipping ($8.01 for me)...

I bought the2014 Infiniti Navigation System DVD v7.9for my 2006 M35, which was $149 from Infiniti's website (same exact graphic on the DVD).

Sure, I can use my cell phone's Google MAPS, but this is easier and don't have to worry about unlocking the phn every few mins...

-z

A lot of hot opinions on vehicle navs on the Honda/Acura Nav thread

Updated: Fair points on legality,legitimacy, and authenticity of this site... Updated thread to remove those statements... Buyer beware...

BTW, a 'hot sports opinion' aka "HSO" is a "ticketism" from a sports radio station in Dallas...

Services Deals
g: 3 Posted By: Logician1313
Views: 394 Replies: 3 Rosewill Solar Garden Lights (6-Pack w/ Rechargeable AAA N-Cd Battery Included) - $11.99 After Coupon & Free Shipping at Newegg

Normally $15.99, now $11.99 after $4 off coupon code "EMCPGHC98" (exp. 4/2) and free shipping. 4/5 eggs based on 85 customer reviews.

Back again for those who missed it yesterday.
Garden Deals

Newegg Coupons
Job interview current salary question
Added on : Monday March 31st 2014 10:00:13 AM
g: 3 Posted By: KKDowing
Views: 3471 Replies: 51 Interested in anyone's input regarding this situation. I was contacted by a recruiter about an interesting opportunity at a company that I am familiar with. I asked the salary range and was told a range that is 80% to 160% greater than current salary. While this is good news, I know when I interview they will ask about current salary so I am wondering if this situation causes HR to discount a candidate based on salary level or lower an opening offer based on current pay? Any input from those in a hiring function appreciated.
Personal Finance Deals
g: 0 Posted By: SieSilverStars
Views: 0 Replies: 0 altatac via eBay has the GoPro HERO3+ Plus Silver Edition on sale for $199.99 with free shipping.

Linky

Compatible with all GoPro mounts available
10MP Resolution
131'/40m Waterproof Housing
High-Frame Rate 1080p 60fps, 960p 60fps, and 720p 120fps


The Black edition always gets more attention when it's posted in the forums, but for those of you looking for the silver edition, here ya go.

This received 4.8/5 stars based on 124 customer reviews at BestBuy
g: 2 Posted By: remick
Views: 230 Replies: 0 http://www.amazon.com/dp/B005OYUI3Q

4.5 out of 5 stars (31 customer reviews)

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



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

4.9 out of 5 stars (16 customer reviews)

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



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

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



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

4.7 out of 5 stars (15 customer reviews)

Dream chasing is difficult to do. Put in the responsibility of being a spouse and a parent into the mix and some days it feels pretty impossible. In this book I will talk about chasing dreams and visions for your life while you have a family. It is important to chase those things that have been put inside of you, but not at the extent of your faith walk or the health of you and your family. This book is all about laying a firm foundation. By firming up your foundation you will be able to reach your dreams quicker and it will be much more fulfilling. The great thing about Dreams That Last is it is not some theory. It is real life failures, defeats, and victory. Step into all that God has for you by chasing your dreams the right way!
Books Deals

Amazon Coupons
g: 9 Posted By: remick
Views: 1590 Replies: 1 http://www.amazon.com/Helping-Creative-Change-Their-World-ebook/...

4.7 out of 5 stars (15 customer reviews)

If creativity is so important to the life of a child, why is it often pushed aside or given our leftover energy and time?

Why should you encourage your child to figure out their skill set and find ways for them to use those abilities on a regular basis?

Can your child really make a difference in the world around them?

These questions and more are discussed from the perspective of a mother of six kids (ranging in age from 9-16).

This book is written to encourage & equip parents to help their child discover their unique, creative gifts, and to help them overcome the obstacles that hinder growth in their specific areas.

Contents

Introduction

Part One: A Case for Creative Change
1 - We need creativity!
2 - Can kids really change the world?
3 Inspiring Creativity: Our personal experience

Part Two: Obstacles & Solutions
4 - Too busy / Make time for it
5 - Too much entertainment / Control it
6 - Too lazy / Expect it
7 - Lack of freedom / Accept it
8 - Lack of praise / Promote it
9 - Lack of resources / Invest in it
10- Finding your child's creative bent

Bonus: 100 Ways Your Child Can Begin Using Their Creative Skills RIGHT NOW
Books & Magazines Deals
Lego Star Wars Super Pack (66473) $80 Shipped
Added on : Sunday March 30th 2014 04:00:04 AM
g: 0 Posted By: rsiemens
Views: 159 Replies: 0 Looks like Toys'RUs forgot to jack up at least one price with their new 20% "FRIEND20" promotion. Lucky for us...

Lego Star Wars SuperPack 66473 for $80 shippedenter "FRIEND20" for 20% off while checking out. It works on sale items too this time, but there's few great deals: this is the stand out. Worked out to $87 with tax for me.

This contains 75019 AT-TE Walker, 75016 Homing Spider Droid, 75015 Corporate Alliance Tank Droid. Reasonably good prices for those are about $65, $25, $15, which makes this a really good deal.

Toys Deals
Job intereview current salary question
Added on : Saturday March 29th 2014 01:00:04 PM
g: 0 Posted By: KKDowing
Views: 31 Replies: 0 Interested in anyone's input regarding this situation. I was contacted by a recruiter about an interesting opportunity at a company that I am familiar with. I asked the salary range and was told a range that is 80% to 160% greater than current salary. While this is good news, I know when I interview they will ask about current salary so I am wondering if this situation causes HR to discount a candidate based on salary level or lower an opening offer based on current pay? Any input from those in a hiring function appreciated.
Personal Finance Deals
Free Kindle Book- Helping Your Kids Be Creative and Change Their World
Added on : Saturday March 29th 2014 04:00:09 AM
g: 1 Posted By: remick
Views: 135 Replies: 0 http://www.amazon.com/Helping-Creative-Change-Their-World-ebook/...

4.7 out of 5 stars (15 customer reviews)

If creativity is so important to the life of a child, why is it often pushed aside or given our leftover energy and time?

Why should you encourage your child to figure out their skill set and find ways for them to use those abilities on a regular basis?

Can your child really make a difference in the world around them?

These questions and more are discussed from the perspective of a mother of six kids (ranging in age from 9-16).

This book is written to encourage & equip parents to help their child discover their unique, creative gifts, and to help them overcome the obstacles that hinder growth in their specific areas.

Contents

Introduction

Part One: A Case for Creative Change
1 - We need creativity!
2 - Can kids really change the world?
3 Inspiring Creativity: Our personal experience

Part Two: Obstacles & Solutions
4 - Too busy / Make time for it
5 - Too much entertainment / Control it
6 - Too lazy / Expect it
7 - Lack of freedom / Accept it
8 - Lack of praise / Promote it
9 - Lack of resources / Invest in it
10- Finding your child's creative bent

Bonus: 100 Ways Your Child Can Begin Using Their Creative Skills RIGHT NOW
Books & Magazines Deals
in 2015, Only IRA rollover per year per individual
Added on : Saturday March 29th 2014 03:00:10 AM
g: -1 Posted By: swampwiz
Views: 90 Replies: 2 It seems that those of us Fat Wallet-ers who have been using the chaining method of extending an IRA distribution over a 60 day period (i,e., taking a distribution from the 1st IRA, dispose of it, then taking a distribution from the 2nd IRA, using the proceeds to do a rollover back into the 1st IRA, then taking a distribution from the 3rd IRA, using the proceeds to do a rollover back into the 2nd IRA, ad infinitum) will not longer be able to use this loophole. There was a Tax Court case involving an individual named Bobrow in which the judge ruled that instead of being able to do a rollover once a year for each IRA, there can only be one rollover per year per individual - which of course kills this loophole.

What made this such an insidious ruling is that the IRS's own guidance to taxpayers (i.e., specifically Publican 590) is direct contradiction to this ruling (i.e., the guidance is that there can be any number of rollovers per year for an individual, just one per IRA). The IRS has issued a statement that it intends to change its guidance so as to follow the ruling - but only starting in 2015. And most importantly for those of us (like yours truly) in the midst of this scheme, the IRS will not follow this ruling until 2015. (As for myself, the last rollover in my scheme will be the solitary one done at the beginning of 2015, using a distribution that will be non-rolled over, so I am barely squeezing through! )

Here is an article about this: http://www.forbes.com/sites/janetnovack/2014/03/25/gotcha-tax-co...

Here is the official IRS announcement: http://www.irs.gov/pub/irs-drop/a-14-15.pdf
Discussion Deals
All Simplehuman products over 50% off Staples B&M YMMV
Added on : Friday March 28th 2014 09:00:03 PM
g: 0 Posted By: gd78
Views: 209 Replies: 0 All Simplehuman products are on clearance at Staples B&M.

Over 50% lower than Amazon price.
PLUS you can use $10/50 AND 15% off cleaning and breakroom!!

YMMV because very few Staples stores sell them.
And those that do have only 1 of each.
And the employees probably bought them already.
(If you're in San Diego, I already cleaned them out. Pun definitely intended.)

The following items are on clearance:

Simplehuman Soap Dispenser 8oz $14.50 WAS $39.99 SKU 266339
Simplehuman Handsoap Refill 34 fl oz $2.00 WAS $6.99 SKU 266337
Simplehuman Step Trashcan 10L (Model CW1180) $12.50 WAS $29.99 SKU 266334
Simplehuman Sensor Can 45L (Model ST2008) $48.50 WAS $119.99 SKU 266027
Simplehuman Bullet Open Trash Can 16 Gal.(Model: CW1407) ?? WAS $119.99 SKU ?? (I bought the only one a few weeks ago, so there was no tag)
Simplehuman Slim Open Recycler 20L (Model CW 1470) ?? WAS ~$70 SKU ?? (Employee said he bought the only one)

Don't forget to use this week's 15% off cleaning and breakroom Q
Home & Garden Deals

Staples Coupons
Free hammock and unlimited $5.49 shipping @13Deals
Added on : Thursday March 27th 2014 04:00:04 PM
g: 0 Posted By: KevinD
Views: 377 Replies: 0 Good evening 13Deals customers! You must know by now that we love taking care of our existing loyal customers. With that being said... here is a little insider tip....

In a couple of hours, we are continuing our Spring celebration by giving away free hammocks! We wanted to let you know before the rest of the world. We don't want them to be gone before our loyal, awesome 13Deals Peeps get their share! In fact, the deal is available already for you via the link listed below. Oh, and some incredible secret deals are available during checkout, exclusive to only those getting the hammock, so don't miss out on those either! You are welcome to spread the word to all your friends and family. Share the love after all. Thanks for being you!

Anyways, here you go...
http://www.13deals.com/store/item.php?id=37141

Thanks so much for being a wonderful customer of 13Deals!
- Yours Friends at13Deals.com!

Important PS: Use coupon code HAMMOCK when ordering and get unlimited $5.49 sitewide shipping. Load up and enjoy!
Home & Garden Deals
g: 0 Posted By: VivYip
Views: 224 Replies: 0 $19.99 for 52 Weeks of The Washington Post Sunday Home-Delivery with Free Digital Access
$19.99 for 52 weeks of Sunday home-delivery of award-winning content and photos in The Washington Post, plus complimentary digital access ($96 value)

Start your day with award-winning local, national, and world news. Get up-to-the-minute updates from Crimea to Malaysia to your neighborhood. The Post is plugged in, so you are too. Enjoy the convenience of relaxing with the Sunday Post delivered to your home each week.

Read Pulitzer Prizewinning reporters.
Access exclusive online content and blogs.
Join live discussions on timely topics.
Share and comment using social networks.
Check out Politics, Opinions, Sports, Health, Tech, Jobs, Lifestyle, Entertainment, Arts, Coupons, and more. With this limited-time offer, get the Sunday Post for one year plus complimentary, unlimited digital access.
Expires Jul 30th, 2014. Limit 1/customer, may buy multiple as gifts. Limit 1/household. Online enrollment req'd. to redeem including name, address, email, and voucher number. Valid only for select service areas. Valid for new customers only or those who have not had a print subscription within the last 30 days and/or do not have outstanding balances. At the end of the 52-week promo period, your subscription will continue and you will be billed every 8 weeks at the prevailing rate unless you contact The Washington Post to cancel subscription. Must use promo value in 1 visit.

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

Groupon Coupons
Fisher-Price Laugh & Learn Dance & Play Puppy - $29.99 at Kohls
Added on : Thursday March 27th 2014 05:00:11 AM
g: 0 Posted By: Ayla
Views: 232 Replies: 0 Fisher-Price Laugh & Learn Dance & Play Puppy - $29.99 at Kohls


http://www.kohls.com/product/prd-901958/fisher-price-laugh-learn...


Sale $29.99

Regular $49.99

FREE Pick-Up


Compare:
~~~~~~~
Amazon: $36.94


Buttons on feet activate puppy's motions, songs and phrases.

Lessons include letters, numbers, body parts, manners, greetings and more.

"If You're Happy and You Know It," "Do Your Ears Hang Low?," and "So Big" songs add a musical element to playtime.

Details:
~~~~~~~~
14"H x 13"W x 7.5"D
Ages 9 to 36 months
Uses 3 "AA" batteries (included)
Some assembly required
Model no. W4123
Manufacturer's limited warranty
Promotional offers available online at Kohls.com may vary from those offered in Kohl's stores.
Toys Deals

Kohl's Coupons
g: 19 Posted By: remick
Views: 1400 Replies: 2 Backyard Chickens Book Package: The Backyard Chickens Handbook and The Backyard Chickens Breed Guide
http://www.amazon.com/dp/B00CFDP1YK

4.7 out of 5 stars (19 customer reviews)

Get TWO backyard chicken books for one low price.
The Backyard Chickens Handbook is a greater starter book for those looking to raise a new flock of chickens. It's also a good book for seasoned vets to have on hand as a reminder of the best practices for hatching, raising and feeding backyard chickens.
The Backyard Chickens Breed Guide takes the guesswork out of choosing backyard chicken breeds.
This helpful guide gives you the information you need in order to make an informed decision regarding the chickens you want to add to your backyard flock.

The topics covered include all of the items that are important to backyard breeders, including the following:
Noise level.
The amount of eggs you can reasonably expect your chickens to lay.
The average cost per chick.
Potential health concerns.
Temperament.
Special considerations that must be made.

Take the guesswork out of owning backyard chickens.
There are more than 150 different breeds of chicken. This book narrows your choices down to 22 of the most popular and best breeds for backyard flocks.
If you're planning on owning backyard chickens, you're going to want these books!


Backyard Chickens For Preppers
http://www.amazon.com/Backyard-Chickens-Preppers-Survival-Preppi...

A valuable resource for the beginning prepper that covers everything you need to know to get started raising your own backyard chickens. Written by the author of the best-selling book, "Guns For Preppers" and the voice behind the Sobert Gummer "Survival Prepping For Hard Times" blog.

Topics include:
Why You Should Raise Backyard Chickens for a SHTF scenario
How Chickens Fit Into Your Backyard Food Production System
"Should You Buy Pullets or Baby Chicks?"
The Nine Chicken Breeds Every Prepper Should Consider
The Best Type Of Chicken Coop and Chicken Run You Should Get
Chickens For Eggs Vs. Chickens For Meat
EMP-proof Chickens For Cold Weather Without Electricity
Hardware Cloth vs. Chicken Wire
What To Use For A Brooder Box
Resources: Everything You Need!



New on 3/27

Raising Chickens: Answers to the Most Common Questions About Chicken Care, Feeding and Egg Laying
http://www.amazon.com/dp/B008DVQ412

Totally Free Deals
Sony MDR-XB600 Headphones $50 @ Target BM
Added on : Wednesday March 26th 2014 06:00:06 PM
g: -1 Posted By: bulldingo
Views: 659 Replies: 0 Sony MDR-XB600 Headphones $50 @ Target B&M (Selling for retail online:http://www.target.com/p/sony-on-the-ear-headphones-extra-bass-black-gold-mdrxb600/-/A-14256404#prodSlot=large_1_20

Found these at my local SF bay area Target, 50% off. About 10 of these in stock, with the headphone glut in the market, I suspect these might go 75%. They're not terribly fashionable.

4 - 24 mhz range, although I don't know if we can even hear sounds that low.

Mixed reviews at Amazon:
http://www.amazon.com/Sony-MDR-XB600-Driver-Premium-Headphones/dp/B009A6CZYY

As always, for those of you who constantly whine about imperfect posts: man up or call mommy.


Headphones & Speakers Deals

Target Coupons
PS4 Camera - $59.99 Amazon seller (instock 3/29)
Added on : Wednesday March 26th 2014 05:00:03 PM
g: 1 Posted By: rwaheed
Views: 99 Replies: 0 For those looking for a PS4 camera and haven't found it and don't want to pay over retail price, Amazon will have some in stock soon. Thought I'd share this as I've been looking for a while.

http://www.amazon.com/PlayStation-4-Camera/dp/B00BGAA3S2/
PS4 Deals

Amazon Coupons
Sony MDR-XB600 Headphones $50 @ Target B&M
Added on : Wednesday March 26th 2014 10:00:02 AM
g: 0 Posted By: bulldingo
Views: 35 Replies: 0 Sony MDR-XB600 Headphones $50 @ Target B&M

Found these at my local SF bay area Target, 50% off. About 10 of these in stock, with the headphone glut in the market, I suspect these might go 75%. They're not terribly fashionable and probably wouldn't appeal to the ghetto market, like Dr Dre.

4 - 24 mhz range, although I don't know if we can even hear sounds that low.

Mixed reviews at Amazon:
http://www.amazon.com/Sony-MDR-XB600-Driver-Premium-Headphones/dp/B009A6CZYY

As always, for those of you who constantly whine about imperfect posts: man up or call mommy.
Headphones & Speakers Deals

Target Coupons
g: 3 Posted By: remick
Views: 239 Replies: 0 Backyard Chickens Book Package: The Backyard Chickens Handbook and The Backyard Chickens Breed Guide
http://www.amazon.com/dp/B00CFDP1YK

4.7 out of 5 stars (19 customer reviews)

Get TWO backyard chicken books for one low price.
The Backyard Chickens Handbook is a greater starter book for those looking to raise a new flock of chickens. It's also a good book for seasoned vets to have on hand as a reminder of the best practices for hatching, raising and feeding backyard chickens.
The Backyard Chickens Breed Guide takes the guesswork out of choosing backyard chicken breeds.
This helpful guide gives you the information you need in order to make an informed decision regarding the chickens you want to add to your backyard flock.

The topics covered include all of the items that are important to backyard breeders, including the following:
Noise level.
The amount of eggs you can reasonably expect your chickens to lay.
The average cost per chick.
Potential health concerns.
Temperament.
Special considerations that must be made.

Take the guesswork out of owning backyard chickens.
There are more than 150 different breeds of chicken. This book narrows your choices down to 22 of the most popular and best breeds for backyard flocks.
If you're planning on owning backyard chickens, you're going to want these books!


Backyard Chickens For Preppers
http://www.amazon.com/Backyard-Chickens-Preppers-Survival-Preppi...

A valuable resource for the beginning prepper that covers everything you need to know to get started raising your own backyard chickens. Written by the author of the best-selling book, "Guns For Preppers" and the voice behind the Sobert Gummer "Survival Prepping For Hard Times" blog.

Topics include:
Why You Should Raise Backyard Chickens for a SHTF scenario
How Chickens Fit Into Your Backyard Food Production System
"Should You Buy Pullets or Baby Chicks?"
The Nine Chicken Breeds Every Prepper Should Consider
The Best Type Of Chicken Coop and Chicken Run You Should Get
Chickens For Eggs Vs. Chickens For Meat
EMP-proof Chickens For Cold Weather Without Electricity
Hardware Cloth vs. Chicken Wire
What To Use For A Brooder Box
Resources: Everything You Need!
Totally Free Deals
YNAB budgetting software is Now Free for College Students
Added on : Wednesday March 26th 2014 06:00:12 AM
g: 0 Posted By: remick
Views: 194 Replies: 0 http://www.youneedabudget.com/blog/2014/ynab-is-now-free-for-col...

Were fighting free with free. I was given a free t-shirt when I signed up for my first Visa credit card while in college (charged a mattress on it, forgot about the payment, paid it off, and cut it up in disgustthe card, not the mattress).

More kids are graduating from college absolutely weighed down by student debt. I dont know what portion of their debt is avoidable, but Im confident that if those students were following YNABs Four Rules, they would graduate with less debt.

Starting today, if youre a college student (even only part-time), well let you use YNAB for free while youre in school.

How to Obtain Your Free Copy of YNAB

Write to us at support@youneedabudget.com and include proof of registration at your college.

Well send you a special license key, good until the end of the calendar year.

At the end of the year, just shoot us another email if youre still cranking away on your schoolwork, and well send you a new license key thats good for the entire next year
Limited Eligibility Deals
Issue in opening chase new checking account with bonus
Added on : Tuesday March 25th 2014 05:00:06 PM
g: 0 Posted By: mgupta001
Views: 97 Replies: 0 So i caught up with chase checking account bonus churn yesterday. Last 4 times i have persuaded my wife as usual to open the checking account to get the checking account bonus and closed the account after 6 months.
This time we reached to the branch with the $200+$200 checking & saving account coupon to open both accounts. After the initial conversation, the banker started with the account opening process. In between she left to call the branch manager. The manager looked up the screen and said she had 3 accounts in the past. for that my wife responded that those must have been closed. The branch manager started looking at few more information on the screen and came back to us that all those accounts were opened with a bonus coupon and was closed right after the 6 months. he mentioned all these are noted on her profile. Then he asked was this for only to get the bonus for which my wife responded no.
he went on asking what makes you open a new account and what is the guarantee you will continue using after 6 months. For that my wife said we are planning to buy a house and wanted to open a saving account for the down payment.
Apparently the BM was satisfied and said the banker to go ahead as we will get 1099 anyway.

After that other banker came over to help us in opening the account. not sure what z wrong with the previous banker, she said she has to leave. but we found she was still there helping other customer when we were leaving. i wrote a check for $17K as i was planning to keep that money in the account to avoid the maintenance fee. I insisted him to print the tracking information for the coupon for which he confirmed to do that. however i couldn't find the tracking information in the final paper work which he handed over to us. I asked him again to print the tracking information for us. Apparently he tried to print the screen but the print failed for some reason. he showed me on his computer that he has redeemed the coupon and we will get the bonus.
when we were leaving the bank, the banker who helped us was giving high five to the manager. not sure why.

Now question is:
1. will she get the bonus? we do have the coupon which the banker used for the account opening. In worst case we will call him and inquire.
2. Is the churn over for her. She is anyway totally pissed off and most probably wouldn't be opening the account again. Is it a good idea to keep the account open now on as she may not be able to open a new one later on?
the banker was asking her to apply for the credit card as well as she was pre-approved. she didn't take that offer.
3. I am also about to open the similar account in few days. what should be my strategy?

DataPoints:
1. my wife doesn't have any other relation with chase .. i.e. no credit card
2. This is the same branch she used in past to open her last 3 accounts.
3. I have chase freedom & sapphire card.


Credit Deals
g: 11 Posted By: remick
Views: 1384 Replies: 1 http://www.amazon.com/dp/B00DYFHTN4

4.4 out of 5 stars (9 customer reviews)

"In order to take control of your health I recommend you make an attempt to grow your own food the Beyond Organic way."
--Jordan Rubin, NMD, PhD, New York Times Bestselling Author, Founder--Garden of Life
> Learn why most farms and gardens, even if certified organic, produce food which is not nutritious enough to keep you healthy, but by understanding the secrets of how foods can be grown to maximize their health-giving properties, you will be empowered to Create Health from the Soil Up!

> Discover an amazing and revolutionary new insight which explains why 45% of Americans have a chronic disease and how you can avoid this awful fate through totally natural means so you can enjoy Vibrant Health.

> Understand the surprising, underlying reason why 2/3 of American adults are overweight or obese, and how this problem can be overcome so one can enjoy their Ideal Body Weight.

Our foods have lost up to 70% of some nutrients in the last 70 years. Even organic foods have little more nutrient density than those conventionally grown. This loss of nutrition may explain, at least in part, our increasing health concerns. Whatever your goals and dreams in life, all will be more easily achieved when your body and mind receive the best nutrition from optimally-grown foods.

Learn how the Beyond Organic Growing System (BOGS) can produce Nutrition Grown foods, with many times the nutrient content of typical produce. See independent, third-party laboratory analyzed comparisons of Nutrition Grown foods vs. USDA food nutrient database listings. This book also brings you cutting edge research on how fruit growing methods can effect blood glucose levels in humans.

Plants must receive the optimal nutrition they need to be able to express their full potentials to create large arrays of health-giving phytonutrients. In turn, people and animals who eat these Nutrition Grown plants receive the phytonutrients they need to help them express their full potentials.


New on 3/24
Growing Marijuana For Beginners: Cannabis Cultivation Indoors and Outdoors
http://www.amazon.com/Growing-Marijuana-For-Beginners-Cultivatio...

New on 3/25

Tomato Container Gardening Tips
http://www.amazon.com/dp/B00CWRC6VA

Grow Your Own Vegetables - 3 Book Bundle: The Vegetable Growers Guide to Companion Planting: The Role of Flowers, Herbs & Organic Thinking. Raised Bed Gardening.Vegetable Container Gardening
http://www.amazon.com/Grow-Your-Own-Vegetables-Gardening-Vegetab...

Greenhouse Gardening: Learn to Greenhouse Garden: What plants grow best, how to use vertical gardening and other methods to create an optimal year round or seasonal greenhouse.
http://www.amazon.com/Greenhouse-Gardening-vertical-gardening-gr...

Raised Bed Gardening System: A book on soil, irrigation, designs and ideas for growing vegetables
http://www.amazon.com/Raised-Bed-Gardening-System-irrigation-ebo...




Books & Magazines Deals
g: 0 Posted By: BigBoyMichigan
Views: 105 Replies: 0 FLORIDA


APRIL 01-28, 2014



BLOOD DONORS WILL RECEIVE
=========================
1 - Free $10.00 Walgreen's Gift Card**

Drive Location Drive Address Drive Time Walgreens** $10 Gift Card to the First 10 donors at this location 1515 East Sunrise Boulevard
Fort Lauderdale, FL 33304 Tuesday, April 01, 2014
10:00 AM - 8:00 PM

Walgreens** $10 Gift Card to the First 10 donors at this location 5800 Southeast US 1
Stuart, FL 34997 Friday, April 04, 2014
12:00 PM - 6:00 PM

Walgreens** $10 Gift Card to the First 10 donors at this location 1800 West Indiantown Road
Jupiter, FL 33458 Friday, April 04, 2014
2:00 PM - 7:00 PM

Walgreens** $10 Gift Card to the First 10 donors at this location 15940 Orange Boulevard
Loxahatchee, FL 33470 Saturday, April 05, 2014
11:00 AM - 4:00 PM Walgreens** $10 Gift Card to the First 10 donors at this location 2700 West Flagler Street
Miami, FL 33135 Saturday, April 05, 2014
11:00 AM - 4:00 PM

Walgreens**$10 Gift Card to the First 10 donors at this location 5701 North West183rd Street
Hialeah, FL 33015 Saturday, April 05, 2014
11:00 AM - 4:00 PM Walgreens**$10 Gift Card to the First 10 donors at this location 2805 North Roosevelt Boulevard
Key West, FL 33040 Saturday, April 05, 2014
12:00 PM - 5:00 PM

Walgreens** $10 Gift Card to the First 10 donors at this location 6205 Lake Worth Road
Greenacres, FL 33463 Saturday, April 05, 2014
11:00 AM - 4:00 PM Walgreens**$10 Gift Card to the First 10 donors at this location 3099 North State Road 7
Lauderdale Lakes, FL 33313 Saturday, April 05, 2014
10:30 AM - 4:00 PM

Walgreens** $10 Gift Card to the First 10 donors at this location 3180 Southeast Federal Highway
Stuart, FL 34994 Saturday, April 05, 2014
10:00 AM - 4:00 PM

Walgreens** $10 Gift Card to the First 10 donors at this location 3100 North Andrews Avenue
Oakland Park, FL 33309 Sunday, April 06, 2014
11:30 AM - 5:00 PM

Walgreens**$10 Gift Card to the First 10 donors at this location 3900 North Federal Highway
Boca Raton, FL 33431 Saturday, April 12, 2014
12:00 PM - 6:00 PM Walgreens** $10 Gift Card to the First 10 donors at this location 2200 Palm Beach Lakes Boulevard
West Palm Beach, FL 33409 Saturday, April 12, 2014
12:00 PM - 6:00 PM Walgreens** $10 Gift Card to the First 10 donors at this location 8955 Lantana Road
Lake Worth, FL 33467 Saturday, April 12, 2014
11:00 AM - 4:00 PM

Walgreens** $10 Gift Card to the First 10 donors at this location 12001 Southern Boulevard
Loxahatchee, FL 33470 Saturday, April 12, 2014
1:00 PM - 6:00 PM

Walgreens** $10 Gift Card to the First 10 donors at this location 15255 South West 137th Avenue
Miami, FL 33177 Saturday, April 19, 2014
12:00 PM - 5:00 PM

Walgreens** $10 Gift Card to the First 10 donors at this location 1501 North East 163rd Street
N Miami Beach, FL 33162 Monday, April 21, 2014
2:00 PM - 7:00 PM

Walgreens** $10 Gift Card to the First 10 donors at this location 19935 North West 2nd Avenue
Miami, FL 33169 Thursday, April 24, 2014
4:00 PM - 9:00 PM

Walgreens**$10 Gift Card to the First 10 donors at this location 18665 Biscayne Boulevard
Aventura, FL 33180 Friday, April 25, 2014
3:30 PM - 8:30 PM


Walgreens** $10 Gift Card to the First 10 donors at this location 501 East Sheridan Street
Dania, FL 33004 Saturday, April 26, 2014
10:00 AM - 8:00 PM Walgreens**$10 Gift Card to the First 10 donors at this location 3053 Southwest Martin Downs Boulevard
Palm City, FL 34990 Saturday, April 26, 2014
10:00 AM - 4:00 PM

Walgreens** $10 Gift Card to the First 10 donors at this location 6800 West 28th Avenue
Hialeah, FL 33018 Saturday, April 26, 2014
12:00 PM - 5:00 PM Walgreens** $10 Gift Card to the First 10 donors at this location 400 Hialeah Drive
Hialeah, FL 33010 Saturday, April 26, 2014
12:00 PM - 5:00 PM

Walgreens** $10 Gift Card to the First 10 donors at this location 3184 South Congress Avenue
Palm Springs, FL 33461 Sunday, April 27, 2014
12:00 PM - 6:00 PM

Walgreens**$10 Gift Card to the First 10 donors at this location 7340 Collins Avenue
Miami Beach, FL 33141 Monday, April 28, 2014
3:00 PM - 8:00 PM
**All blood donors must have photo ID. Donors must be at least 16 years old. Those who are 16 years old need parental permission. *One offer per donor, per donation. No cash value. Not-transferable. While supplies last. Blood donors will receive a voucher that must be exchanged for the gift card immediately following donation at sameWalgreenslocation. Not responsible for lost or stolen gift card.




MAKE AN APPOINTMENT
===================
One Blood Blood Services
=14px(850) 747-6570
http://www.oneblood.org/
Walk-Ins welcomed



FOR MORE BLOOD DRIVE FREEBIES CLICK HERE - USA LISTINGS

Surveys & Rewards Deals
g: 0 Posted By: remick
Views: 170 Replies: 0 http://www.amazon.com/dp/B001QOGJVI

4.6 out of 5 stars (51 customer reviews)

The central theological distinctive of Christianity--that Jesus is God
incarnate--has repeatedly come under fire from adherents to other
religions and scholars who interpret Jesus as a prophet, angel, or
guru. Putting Jesus in His Place is designed to introduce
Christians to the wealth of biblical teaching on the deity of Christ.
Using evidence from the New Testament, this book helps readers
appreciate the significance of Christ's deity in a personal
relationship with Him, and gives them the confidence to share the
truth about Jesus with others. The book is divided into five sections,
each corresponding to an aspect of the New Testament's revelation of Jesus as God, and using an acronym based on the letters in
the word HANDS:
H-Honors (Jesus shares the honors that are due God)
A-Attributes (Jesus shares the attributes of God)
N-Names (Jesus shares
the names of God)
D-Deeds (Jesus shares the deeds that God does)
S-Seat (Jesus shares the seat of God's eternal throne)
Putting Jesus in His Place engages objections to the divine identity of Jesus Christ from Jehovah's Witnesses, Mormons, Muslims, Unitarians, and other religious perspectives. Its emphasis throughout, however, is on the positive case for the deity of Christ. The book introduces the reader to cutting-edge scholarship on New Testament Christology and makes the information accessible and usable for those who are not biblical scholars or theologians. Endorsed by an impressive lineup of leading specialists in the field including Martin Hengel, Richard Bauckham, I. Howard Marshall, Craig A. Evans, Daniel B. Wallace, Murray J. Harris, and Larry Hurtado, Putting Jesus in His Place is an indispensable introduction and reference on the New Testament teaching about the identity of Jesus Christ.


ReCreatable
http://www.amazon.com/dp/B00I138KVO

4.6 out of 5 stars (14 customer reviews)

ReCreatable begins with the story of a glass baking dish, the delectable aroma of tantalizing brownies, and an unseen defect that turns the promise of something delicious into a minor disaster, leaving glass fragments and brownies irretrievably intermingled. Both the dish and brownies are irrevocably lost. The implications for us are inescapable: created by God to reflect his glory and for his pleasure, we have been broken by sin to the point that we are completely useless to accomplish the purpose for which we were made. But, unlike the shattered brownie dish that gets discarded as worthless, God takes the shards of our lives and does the miraculous. He does not simply fit us back together. He takes those splinters of our destruction and uses them to re-create us: complete, restored, redeemed, and fitted to do and be all that he ever intended for us. ReCreatable leads us progressively through the impact of the creative genius of God in our lives. It points us to the reality of restored relationships, the resurrection of our role as true reflectors of Gods glory, and the revolutionary life that can be ours when we learn to be true disciplesre-created to live well for God.
Books Deals
How to value a parking space?
Added on : Monday March 24th 2014 12:00:14 PM
g: 0 Posted By: newnorley
Views: 183 Replies: 6 Story/
A deeded parking space has become available in the high rise condos where I live and is being offered for $45k. We're currently renting a parking space for $200 / month. Parking is scarce and will likely become even more scarce as there are at least 5 high rise condos being built in a square mile of where i live.

From previous condo sales units sold with parking tend to go for around $25k more than those without. With that amount as a guide $45k seems high - is there anything else to consider?
--



Discussion Deals
g: 4 Posted By: remick
Views: 864 Replies: 0 http://www.amazon.com/How-Win-Bass-Tournament-Fishermen-ebook/dp...

The eight professional bass fishermen in this book have earned a total of more than $21 million combined in tournaments. Most of them have at least doubled their tournament winnings with sponsor endorsements, speaking engagements and TV appearances. These men are some of the best tournament bass fishermen.

In this book, you'll not only learn their tactics, baits and lures for winning tournaments, but they'll also give you additional information and fishing tips in video links throughout. You'll learn how to deal with the worst problem you can have when fishing a tournament - when your pattern blows up and the way you've been catching bass with lures and techniques you've thought will work stops producing. What do the best of the best do when their patterns blow-up? They'll tell you in person in the bonus videos.

Professional bass fishermen are different. They're absolute perfectionists in their mental attitudes, physical endurance and abilities to use intuition more than rational thought to find and catch bass. They're also extremely observant. If the wind changes direction, the sun's blotted-out by clouds, there's a 10-degree drop in temperature, or they see shad flicking on the surface, they know immediately what they need to do and what changes they need to make to continue to catch bass. These anglers not only figure-out the lure and the type of structure the bass are holding on, but also the time of day they're most likely to bite. Denny Brauer says there are three types of tournament fishermen: "Those who know they won't win a tournament, those who think they might win a tournament, and those who know they will win a tournament." If you want to be a winner, not just an also-ran in tournament bass fishing, this book is a must.

Now featuring a bonus chapter of delicious bass recipes!

"Award-winning Alabama author John Phillips probably knows more pro bass anglers personally than any other writer in the business." --Frank Sargeant, premier outdoor writer and editor of The Fishing Wire (thefishingwire.com)
Totally Free Deals
g: 3 Posted By: remick
Views: 860 Replies: 0 http://www.amazon.com/Mastering-Indie-Anime-Secrets-Revealed-ebo...

Have you ever wanted to make your own anime or wonder how it is made? Mastering Indie Anime Secrets of the Pros Revealed will show you how. Anime is one of the most popular forms of animated entertainment in the world today. This book will show you how to master this remarkable art form. Learn how to take your idea and turn it into a story in the form of a script. Then, see how to make compelling characters. Next, learn how to animate those characters. Finally, learn how to produce your anime and market it to your fans. Mastering Indie Anime is the culmination of years of research and practical experience provided to you in one easy to understand reference.

Table of Contents
Message from the Author
Introduction to Anime
Indie Anime Spotlight
Animation Process
Storytelling
Tools & Equipment
Storyboarding
Shots & Camera Techniques
Anime Worlds
Applications I Use
Drawing & Coloring
Modeling
Animation
Delivery & Distribution Options
Marketing
Where Do We Go From Here?
Learning Resources
Totally Free Deals
g: 9 Posted By: remick
Views: 1239 Replies: 1 http://www.amazon.com/dp/B00DYFHTN4

4.4 out of 5 stars (9 customer reviews)

"In order to take control of your health I recommend you make an attempt to grow your own food the Beyond Organic way."
--Jordan Rubin, NMD, PhD, New York Times Bestselling Author, Founder--Garden of Life
> Learn why most farms and gardens, even if certified organic, produce food which is not nutritious enough to keep you healthy, but by understanding the secrets of how foods can be grown to maximize their health-giving properties, you will be empowered to Create Health from the Soil Up!

> Discover an amazing and revolutionary new insight which explains why 45% of Americans have a chronic disease and how you can avoid this awful fate through totally natural means so you can enjoy Vibrant Health.

> Understand the surprising, underlying reason why 2/3 of American adults are overweight or obese, and how this problem can be overcome so one can enjoy their Ideal Body Weight.

Our foods have lost up to 70% of some nutrients in the last 70 years. Even organic foods have little more nutrient density than those conventionally grown. This loss of nutrition may explain, at least in part, our increasing health concerns. Whatever your goals and dreams in life, all will be more easily achieved when your body and mind receive the best nutrition from optimally-grown foods.

Learn how the Beyond Organic Growing System (BOGS) can produce Nutrition Grown foods, with many times the nutrient content of typical produce. See independent, third-party laboratory analyzed comparisons of Nutrition Grown foods vs. USDA food nutrient database listings. This book also brings you cutting edge research on how fruit growing methods can effect blood glucose levels in humans.

Plants must receive the optimal nutrition they need to be able to express their full potentials to create large arrays of health-giving phytonutrients. In turn, people and animals who eat these Nutrition Grown plants receive the phytonutrients they need to help them express their full potentials.


Modern Rustic: Starting an Orchard: A homesteading guidebook for growing fruit trees, berries, grapes and nuts
http://www.amazon.com/Modern-Rustic-Starting-homesteading-guideb...


New on 3/24

Growing Juicy Delicious Tomatoes (Rainforth Home and Garden's Secrets and Solutions)
http://www.amazon.com/Growing-Delicious-Tomatoes-Rainforth-Solut...

How to Prune Roses (Rainforth Home and Garden's Secrets and Solutions)
http://www.amazon.com/Prune-Rainforth-Gardens-Secrets-Solutions-...

Fruit Tree Container Growing: Grow Your Own Dwarf Fruit Trees in Containers at Home or even in a Small Apartment (Home Gardening)
http://www.amazon.com/Fruit-Tree-Container-Growing-Containers-eb...

Tomato Container Gardening: Home Grown Tomatoes the Easy Way (Home Life 101)
http://www.amazon.com/Tomato-Container-Gardening-Grown-Tomatoes-...

Growing Marijuana For Beginners: Cannabis Cultivation Indoors and Outdoors
http://www.amazon.com/Growing-Marijuana-For-Beginners-Cultivatio...

Books & Magazines Deals
g: 0 Posted By: remick
Views: 100 Replies: 0 http://www.amazon.com/dp/B008LW7DQ8

L.A. Secret Police. Inside the LAPD Elite Spy Network is a New York Times and Los Angeles Times Bestseller. This incredible non-fiction book rips the lid off the LAPD and exposes the reader to its dark underbelly of corruption during the reign of Chief Daryl Gates. L.A. cops ruined lives and reputations, inflicted mindless brutality, committed murder and engaged in massive cover-ups. In Los Angeles, police corruption was much more than unmarked envelopes stuffed with cash. It was a total corruption of power. For decades LAPD engaged in massive illegal spying and lied about it. Its spying targets included politicians, movie stars, professional athletes, news reporters and anyone wielding power or those of interest to Daryl Gates. Incredibly, the spying targets included a Director of the Central Intelligence Agency, a Secretary of Defense, a current Governor and the President of the United States. It all happened in Los Angeles.

Detective Rothmiller is the modern-day Frank Serpico; he exposed the tentacles of corruption which reached to the highest levels within the LAPD and Washington D.C. It wasnt long after that an assassin attempted to take his life. It was apparent to many that powerful forces wanted him silenced. Incredibly, in this book Detective Rothmiller names names! See why this book changed the LAPD and is required reading at many universities. As former Assistant United States Attorney Marvin Rudnick said, Rothmiller was in a position to know. He did very sensitive work.

Every book has an ending. However, the ending of this book will shock you. Within the new epilogue is a multi-page essay written especially for this updated book by Pulitzer Prize winning journalist David Cay Johnston. In it he describes his personal experience as a Target of Daryl Gates illegal intelligence operations while he served as a Los Angeles Times reporter. Youll also read the challenge posed by detective Rothmiller to the LAPD. A challenge LAPD has refused to answer.
Books & Magazines Deals
$5 DVDs @ Office Depot B&M
Added on : Sunday March 23rd 2014 12:00:04 PM
g: 0 Posted By: bulldingo
Views: 196 Replies: 0 50% off Sony/Columbia DVDs priced $9.99, good until 3/29.

Office Depot has had these on sale for a while, limited selection of adult & children DVDs.

I bought Battle: Los Angeles, Faster & Bridge Over the River Kwai.

As always, for those of you who constantly whine about imperfect posts: man up or call mommy.
DVD Deals

Office Depot Coupons
g: 0 Posted By: remick
Views: 150 Replies: 0 http://www.amazon.com/dp/B00DYFHTN4

4.4 out of 5 stars (9 customer reviews)

"In order to take control of your health I recommend you make an attempt to grow your own food the Beyond Organic way."
--Jordan Rubin, NMD, PhD, New York Times Bestselling Author, Founder--Garden of Life
> Learn why most farms and gardens, even if certified organic, produce food which is not nutritious enough to keep you healthy, but by understanding the secrets of how foods can be grown to maximize their health-giving properties, you will be empowered to Create Health from the Soil Up!

> Discover an amazing and revolutionary new insight which explains why 45% of Americans have a chronic disease and how you can avoid this awful fate through totally natural means so you can enjoy Vibrant Health.

> Understand the surprising, underlying reason why 2/3 of American adults are overweight or obese, and how this problem can be overcome so one can enjoy their Ideal Body Weight.

Our foods have lost up to 70% of some nutrients in the last 70 years. Even organic foods have little more nutrient density than those conventionally grown. This loss of nutrition may explain, at least in part, our increasing health concerns. Whatever your goals and dreams in life, all will be more easily achieved when your body and mind receive the best nutrition from optimally-grown foods.

Learn how the Beyond Organic Growing System (BOGS) can produce Nutrition Grown foods, with many times the nutrient content of typical produce. See independent, third-party laboratory analyzed comparisons of Nutrition Grown foods vs. USDA food nutrient database listings. This book also brings you cutting edge research on how fruit growing methods can effect blood glucose levels in humans.

Plants must receive the optimal nutrition they need to be able to express their full potentials to create large arrays of health-giving phytonutrients. In turn, people and animals who eat these Nutrition Grown plants receive the phytonutrients they need to help them express their full potentials.


How To Produce 15-25 Pounds Of Tomatoes PER PLANT
http://www.amazon.com/dp/B003ES5OLK

Written by Horticulturist Tommy Smith, "How To Produce 15-25 Pounds Of Tomatoes-PER PLANT" offers the home gardener fifteen time tested and practical tips and secrets for growing bountiful harvests of ripe, juicy tomatoes.

In this guide you'll learn:
How to prepare your garden area and soil
How to use mulches to manipulate soil temperature
How to extend your growing season with free materials
The one tomato variety that consistently outperforms all others
An old secret that actually helps produce more tomatoes (aka: a wives tale with scientific merit)
Plus much more!

By utilizing all or most of the tips found in this guide, you are sure to have your best harvest of tomatoes ever and be the envy of your neighborhood!


Modern Rustic: Starting an Orchard: A homesteading guidebook for growing fruit trees, berries, grapes and nuts
http://www.amazon.com/Modern-Rustic-Starting-homesteading-guideb...

The Way To Healthy Garden Soil
http://www.amazon.com/The-Way-Healthy-Garden-Soil-ebook/dp/B00GS...

How to Grow Potatoes: Planting and Harvesting Organic Food From Your Patio, Rooftop, Balcony, or Backyard Garden
http://www.amazon.com/How-Grow-Potatoes-Planting-Harvesting-eboo...

Healing Herbs for the Ornamental Garden
http://www.amazon.com/Healing-Ornamental-Garden-Medicine-Windows...
Books & Magazines Deals
HSN.COM $69 Ladies Antthony "Andromeda" Embroidered Couture Jacket
Added on : Saturday March 22nd 2014 10:00:04 AM
g: 0 Posted By: DaysFan
Views: 232 Replies: 1 http://www.hsn.com
297-065Antthony Design Originals
Antthony "Andromeda" Embroidered Couture Jacket$69.90S&H: $7.22
http://www.hsn.com/products/antthony-andromeda-embroidered-couture-jacket/7276881
Antthony "Andromeda" Embroidered Couture Jacket
A denim jacket with diva embroidery. This couture piece is embroidered and represents those ladies who love one-of-a-kind wears. Sport it with your matching jeans, your flirty skirts and over all your casual maxis.


Coupon HSN10SPRING is a single item offer and is valid for $10 off your next purchase of $50 or more from HSN.com.

Coupon number is non-transferable and can only be used once by its recipient. Coupons must be applied when order is placed. Excludes shipping & handling, sales tax, Todays Special, This Day Only offers, and clearance items and can only be applied to the first shipment of AutoShip items. The use of this coupon may disqualify the order from inclusion in other promotional offers or discounts. Coupons cannot be applied to or combined with other coupons. Coupon is not valid for Charitable Contributions, HSN Gift Cards or Wines and Alcohol, Samsung Large Appliances, Dyson Products, Electronics and Gaming. We reserve the right to cancel orders when unexpected coupon system errors occur or in the case of abuse, misuse or fraud in connection with the coupon number.

Offer is valid 3/1/2014 - 3/31/2014. Coupon Expires on 3/31/2014 at 11:59 PM ET.
Clothing Deals

HSN Coupons
g: 1 Posted By: remick
Views: 86 Replies: 0 http://www.amazon.com/dp/B004TS1MD8

4.6 out of 5 stars (23 customer reviews)

In When You Can't Find God, Linda Evans Shepherd shows readers how to see God in any circumstance, even when it's hard. Compassionate and practical, Shepherd offers strategies for surviving difficult times, giving your troubles to God, praying through the pain, and finding peace, hope, and joy once more. She also shows readers how to use their sorrows as a tool to draw nearer to God.

No one is exempt from pain and trials. But for those in the midst of them, there is hope.
Books Deals
g: 0 Posted By: remick
Views: 68 Replies: 0 http://www.amazon.com/Unlimited-Streaming-Internet-your-Cable-eb...

Is it time for you to cut cable TV?


Millions of Americans have cut cable TV in the last few years. They enjoy more freedom, more control and more money. Are you ready to join them?

I have yet to meet anyone who has cut cable TV, that decided to go back. Im sure there are a few, but most find they enjoy the freedom, control and money that cutting cable TV gives them and never go back after they make the switch.

This is book three of the Keys to Cut Cable TV series.

Unlimited Streaming: From the Internet to your TV:


It gives you everything you need to know to stream from your computer or other devices directly to your TV.

Roku and media devices are great for easy streaming. However, with those, your options may be limited by the available channels. Streaming from a computer or other device gives you unlimited access to everything that is available on the internet.

It is just a matter of setting it up. For many people this is a very simple solution. For others it is a little more complicated. This book will lead you through your choices so that you can decide what you want, get what you need, set it up quickly and cut cable TV.

This book answers the following questions:

Can you hook your computer to your TV?
What do you need to hook your computer to your TV?
What types of connections will give you the best results?
Should you add a graphics card?

What about Chromecast?
What does it take to set up a Chromecast?
Chromecast vs other computer streaming options, which is better for you?

Do you want a dedicated computer for your streaming needs?

Wireless or wired connection, which is right for you?.
What is the best way to set up your wireless connection for HD streaming?
How do you set up a wired ethernet connection?

Do you want to add one or more pay streaming services?
Each has unique benefits, which one is right for you?

Get your copy of Unlimited Streaming: From thRoku and Media Devices: Easy Streaming today and cut cable TV in the next seven days

The keys to cut cable TV series gives you what you need to know to make your preferred cable cutting solution work for you. If you want information on all the best cable cutting options, in one place The CTRL+ALT+DEL Plan: Cut Cable TV in 7 days. features all the information in the Keys to Cut Cable TV series.

Whichever option is right for you. Isnt it time for you to Take Control, Find Alternatives and Delete your cable TV bill?
Totally Free Deals
g: 0 Posted By: bittul
Views: 115 Replies: 0 Click $2 coupon
In cart enter Code CEPACOL1

= $1.49

http://www.drugstore.com/cepacol-sensations-lozenges-cooling/qxp...

For those who don't have SR, get 9 packs (180 lozenges) for $16.41 + Free Shipping.

Use this link for $5 off $40, in cart (after entering CEPACOL1 code) enter zip-code and click "get estimate" to see discount.



If going with 9 packs... The other 8 can be Hydra as well.
Health & Beauty Deals

drugstore.com Coupons
g: 0 Posted By: bpvh
Views: 34 Replies: 0 Office Depot rebate software for the week of 03/23/2014 ($10AR, $12AR, $15AR)


Will update with rebate information ... hopefully by the time this goes live on 02/09.


McAfee Internet Security for 3 PCs
$14.99 After $5 Instant & $50 Mfr. Mail-In Savings Visa Prepaid Card
In Store Price $64.99
Valid 3/23/14 through 3/29/14
Item #101-324


Bookkeeper
++ Be advised that the Nova Development/Avanquest rebate processor has a habit of not sending rebate checks even on valid rebates unless contacted.
$11.99 After $30 in (2) Mfr. Mail-In Savings
In Store Price $41.99
Item #865-150


MyAttorney Home & Business
++ Be advised that the Nova Development/Avanquest rebate processor has a habit of not sending rebate checks even on valid rebates unless contacted.
$9.99 After $20 Mfr. Mail-In Savings
In Store Price $29.99
Item #949-667


====================

****ALERT ON McAfee REBATES****

McAfee haphazardly enforces a one per product limit on its rebates. It does not matter if the rebate has a different rebate number or offer period. The rebate invalidation message is "Your rebate request did not pass our audit process".

UPDATE:
--- While it appeared from several posts over the past year on FW and SD that McAfee was no longer enforcing the one rebate per product limit, it now appears that the "Your rebate request did not pass our audit process" invalidation has returned.
--- There is one poster on FW who had not submitted a McAfee rebate since falling victim to the Summer 2010 debacle until June 2012. The rebate submission was invalidated. After failing to get the rebate processor to valid the rebate, the poster was able to convince a McAfee representative to make good on the rebate. Not sure what to make of this but it is possible that at least some of those black listed during the Summer 2010 debacle are black listed for life.

====================

NOTES:

--- Link to Office Depot's rebate website: LINK
--- "FAR": free after rebate
--- "completely new rebates": the goal of my Office Depot rebate threads is that the rebates of any title listed in the "completely new rebates" category can be submitted without concern for past rebate submissions.
--- "standard rebate": all rebate proofs can be satisfied with the purchase of the title.
--- "upgrade rebate": at least one rebate proof requires providing a certain proof of owning a previous version of the product or a competitors' product.
--- "CONTINUING rebate": the rebate was not offered for the first time during this offer period. Please check your rebate submission history to determine whether you have submitted this rebate in the past.
--- "onbox" or "inbox" rebate: the rebate form or the information for submitting the rebate are found on or in the product box. If known, a link to a pdf version of the rebate or the pre-submission information for the rebate are provided.
--- "Instant Savings": When a rebate item includes an instant savings, it is possible that the price of the item will not be correctly reflected on the website until some time later.

====================
Software Deals

Office Depot Coupons
Saints Row IV (Xbox 360 or PS3) + Season Pass - $19.99 @ Amazon (FSSS)
Added on : Thursday March 20th 2014 12:00:04 PM
g: 1 Posted By: st4rdust
Views: 386 Replies: 0 Amazon has Saints Row IV for $19.99. Available for the Xbox 360or the Playstation 3.Ships free with orders of $35 or more. 4.1/5 stars based on 206 customer reviews. Comes with a free season pass - the code will be emailed to you within 2 days of when your order is shipped.

The American (Fever) Dream - Play as the President of the United States in a story that spans countries, space, and time.
Super Hero-in-Chief - Leap over buildings. Kill people with your mind. Run through tanks. Those are some of the most mundane powers you will wield in your quest to stop an alien menace hell-bent on destroying the Earth
Alien Toys of Destruction - Wield an impressive array of alien vehicles and weapons. FOR SCIENCE!
Custom Weapons, Custom Mayhem - You've customized your character. You've customized your clothes. Now you can complete the look with our all new weapon customization system. Turn traditional weapons into exotic conversation pieces!
Dynamic Duo - Seamless drop-in, drop-out co-op, a Saints Row standard, improved. The only thing better than one malicious super-powered President is two.


The next lowest price according to Google Products is $38.94.

Recieved an 81 at Metacriticand a 7.3 at IGN.
Xbox 360 Games Deals

Amazon Coupons
Saints Row IV (Xbox 360 or PS3) - $19.99 @ Amazon (FSSS)
Added on : Thursday March 20th 2014 11:00:02 AM
g: 0 Posted By: st4rdust
Views: 73 Replies: 0 Amazon has Saints Row IV for $19.99. Available for the Xbox 360or the Playstation 3.Ships free with orders of $35 or more.

The American (Fever) Dream - Play as the President of the United States in a story that spans countries, space, and time.
Super Hero-in-Chief - Leap over buildings. Kill people with your mind. Run through tanks. Those are some of the most mundane powers you will wield in your quest to stop an alien menace hell-bent on destroying the Earth
Alien Toys of Destruction - Wield an impressive array of alien vehicles and weapons. FOR SCIENCE!
Custom Weapons, Custom Mayhem - You've customized your character. You've customized your clothes. Now you can complete the look with our all new weapon customization system. Turn traditional weapons into exotic conversation pieces!
Dynamic Duo - Seamless drop-in, drop-out co-op, a Saints Row standard, improved. The only thing better than one malicious super-powered President is two.


The next lowest price according to Google Products is $38.94.

Recieved an 81 at Metacritic and a 7.3 at IGN.
Xbox 360 Games Deals

Amazon Coupons
Spending $10k at Home Depot tomorrow, ideas?
Added on : Thursday March 20th 2014 07:00:11 AM
g: 0 Posted By: renaud
Views: 232 Replies: 9 So I just learned that I'll be spending a little over $10k at Home Depot tomorrow. This is a business expense that my partner wanted to pay by check, but I'd much rather make a few bucks by putting it on my CC. Check will just go to me to pay my CC instead of HD.

Best plan I have right now is to put about $8k on my C1 card that gets a flat 3% reward. This card is my daily spender with a limit of only $8800, so can't do the full balance. I'd split the transaction and put the remainder on my Chase Freedom to get 1% on that.

I wish I had a few extra days so i could have bought HD giftcards with my C1 card ahead of time to effectively get the full $10k at 3%, but too late now since I won't have time to pay of those purchases by tomorrow. Is there any other idea that I'm missing? I have AMEX blue cash, Chase Freedom, Discover More, BoA world, and a few other cards. Any ideas??
Question Deals
HSBC Discontinuing Easyview (Yodlee), suggestions?
Added on : Wednesday March 19th 2014 11:00:03 PM
g: 0 Posted By: doncrescas
Views: 48 Replies: 0 Just got this message
HSBC Bankmail said: Effective April 14, 2014, the EasyView service will no longer be provided to Personal Banking customers. The personal financial management service is being updated for HSBC Premier and Advance relationship clients, who will continue to have access to EasyView until those updates occur.


I do have an "advance" account but have no Idea what changes they are planning. Any ideas, Should I just migrate straight to Yodlee?
Question Deals
g: 0 Posted By: ManJo
Views: 270 Replies: 0 I was at my local BestBuy looking at VSX-523 Pioneer receivers and saw sign for Elite VSX-43 for $299.00 + Tax, the sale started on Sunday and since it is Elite they cannot advertise it officially. It is an entry level Elite and if you are looking for a decent receiver then you can get this one.

Now here is the huge YMMV part:

I was able to further sweeten the deal as I saw an open box VSX-43 in excellent condition with all accessories untouched and its original box marked at 17% discount of original. Instead of picking up brand new for $299, I negotiated 17% discount on open box and reduced it to $250 and then spoke to manager stating that why would I buy open but only for $50 less than original and further reduced it to $200+Tax!!. See attached receipt scan. Came home and connected the receiver and it work fine w/o any issues/challenges.

You can check BB inventory of open box VSX in Excellent condition and you will at least get same % discount off of new price and then you can negotiate additional 20%. Those of you who do not know how to check BB open box, follow the instructions below:

Go to BB main page, click on stores and enter your zip and click find stores.
Once you see list of store, look for store (not mobile store) and click on hours and direction and events.
You will be at the store page and see photo of the store. Under photo you will see link for Open Box and Clearance, select that and select Shop This Store.
Now you will see open box inventory for that particular store. On left side filter using Manufacturer as Pioneer Elite.
You can expand search by clicking button "Shop my area" (blue button) this will show all Elite's in your area.




Home Theater & Audio Deals

Best Buy Coupons
g: 1 Posted By: remick
Views: 88 Replies: 0 http://www.amazon.com/How-Win-Bass-Tournament-Fishermen-ebook/dp...

The eight professional bass fishermen in this book have earned a total of more than $21 million combined in tournaments. Most of them have at least doubled their tournament winnings with sponsor endorsements, speaking engagements and TV appearances. These men are some of the best tournament bass fishermen.

In this book, you'll not only learn their tactics, baits and lures for winning tournaments, but they'll also give you additional information and fishing tips in video links throughout. You'll learn how to deal with the worst problem you can have when fishing a tournament - when your pattern blows up and the way you've been catching bass with lures and techniques you've thought will work stops producing. What do the best of the best do when their patterns blow-up? They'll tell you in person in the bonus videos.

Professional bass fishermen are different. They're absolute perfectionists in their mental attitudes, physical endurance and abilities to use intuition more than rational thought to find and catch bass. They're also extremely observant. If the wind changes direction, the sun's blotted-out by clouds, there's a 10-degree drop in temperature, or they see shad flicking on the surface, they know immediately what they need to do and what changes they need to make to continue to catch bass. These anglers not only figure-out the lure and the type of structure the bass are holding on, but also the time of day they're most likely to bite. Denny Brauer says there are three types of tournament fishermen: "Those who know they won't win a tournament, those who think they might win a tournament, and those who know they will win a tournament." If you want to be a winner, not just an also-ran in tournament bass fishing, this book is a must.

Now featuring a bonus chapter of delicious bass recipes!

"Award-winning Alabama author John Phillips probably knows more pro bass anglers personally than any other writer in the business." --Frank Sargeant, premier outdoor writer and editor of The Fishing Wire (thefishingwire.com)
Totally Free Deals
Free Kindle Book- Mastering Indie Anime: Secrets of the Pros Revealed!
Added on : Wednesday March 19th 2014 02:00:06 AM
g: 0 Posted By: remick
Views: 23 Replies: 0 http://www.amazon.com/Mastering-Indie-Anime-Secrets-Revealed-ebo...

Have you ever wanted to make your own anime or wonder how it is made? Mastering Indie Anime Secrets of the Pros Revealed will show you how. Anime is one of the most popular forms of animated entertainment in the world today. This book will show you how to master this remarkable art form. Learn how to take your idea and turn it into a story in the form of a script. Then, see how to make compelling characters. Next, learn how to animate those characters. Finally, learn how to produce your anime and market it to your fans. Mastering Indie Anime is the culmination of years of research and practical experience provided to you in one easy to understand reference.

Table of Contents
Message from the Author
Introduction to Anime
Indie Anime Spotlight
Animation Process
Storytelling
Tools & Equipment
Storyboarding
Shots & Camera Techniques
Anime Worlds
Applications I Use
Drawing & Coloring
Modeling
Animation
Delivery & Distribution Options
Marketing
Where Do We Go From Here?
Learning Resources
Sony DSC-HX300 $249 @ Target B&M
Added on : Tuesday March 18th 2014 03:00:02 PM
g: 0 Posted By: bulldingo
Views: 150 Replies: 0 Found the Sony hx300 super zoom camera on clearance at my SF bay area Target today for $249.

This uses a standard size point & shoot sensor, so don't expect SLR results. Mixed reviews.

It's currently selling for $400 on Amazon:http://www.amazon.com/Sony-DSC-HX300-Digital-Optical-Stabilized/dp/B00BEHRQB4/ref=cm_cr_pr_product_top

My Target recently reduced the camera display section by 50% and is currently clearing-out many cameras, although the discounts aren't as steep as the Sony hx300. Talking to a Target employee in the electronics section, he said that Target won't be carrying as many cameras in the future, as people are using their phones more often. Target isn't clearing out the Nikon SLRs yet, but they'll have to at some point.

As always, for those of you who constantly whine about imperfect posts: man up or call mommy.
Cameras Deals

Target Coupons
Xenadrine 2 pack - 17.98 or less - Walmart
Added on : Tuesday March 18th 2014 10:00:08 AM
g: 0 Posted By: prsrcokr
Views: 213 Replies: 1 For those that use excercise supplements and dietary supplements, Xenadrine is currently being offered in a 2 pack at select locations. It's a single package with 2x60 ct bottles so effectively buy one get one free. There is also a $5 off coupon on the Xenadrine website for their products. Currently WalMart has the 2 packs for $17.98 (at least in my area this is the price) with the $5 coupon this becomes $12.98 for 2 bottles.
Coupon can be found on the manufacturer website:
http://www.xenadrine.com/
www.xenadrine.com/coupon/register.php

Health & Beauty Deals

Walmart Coupons
Disney Frozen Blu-Ray/DVD combo for $10.99 @ Toys R Us YMMV for now
Added on : Tuesday March 18th 2014 07:00:04 AM
g: 0 Posted By: rsuaver
Views: 209 Replies: 0 Disney Frozen Blu-Ray/DVD combo is on sale at Toys R Us for $19.99.
Pre order Disney Pirate Fairy for $1 and get $10 off Frozen.

Disney Frozen - $19.99
Pirate Fairy - $1.00
DISCOUNT - $10
Total pre tax $10.99

I just did this but YMMV getting the cashier to manually fix it cause AGAIN the TRU computer is not taking off the discount. For those that argue that it's a 'future purchase' the card says "Reserve your copy today! and SAVE $10 on ANY other Disney Blu-Ray priced $19.99 or more"

They will probably fix the computers later this week but in the mean time, you might need to stand your ground.

Movies Deals
g: 0 Posted By: rsuaver
Views: 115 Replies: 0 Disney Saving Mr. Banks Blu-Ray/DVD combo is on sale at Toys R Us for $22.99.
Pre order Disney Pirate Fairy for $1 and get $10 off Savings Mr. Banks.
Use a $5 off coupon from Disney Movie Rewards http://www.disneymovierewards.go.com/promotions/special-offers/b...

Saving Mr. Banks +$22.99
Pirate Fairy +$1.00
DISCOUNT - $10.00
Coupon - -$5.00
Total pre tax $8.99

I just did this but YMMV getting the cashier to manually fix it cause AGAIN the TRU computer is not taking off the discount. For those that argue that it's a 'future purchase' the card says "Reserve your copy today! and SAVE $10 on ANY other Disney Blu-Ray priced $19.99 or more"

They will probably fix the computers later this week but in the mean time, you might need to stand your ground.

Movies Deals
Black & Decker BDH1850SM 2-in-1 Steam Mop $89 @ amazon
Added on : Monday March 17th 2014 04:00:02 PM
g: 0 Posted By: myonlyday
Views: 22 Replies: 0 Amazon.com has the Black & Decker BDH1850SM 2-in-1 Steam Mop for $89 now. I have this and LOVE it!

http://www.amazon.com/dp/B00B92CN5S

Kills 99.9% of germs using just water - no chemicals required. Great for homes with kids or pets
With Digital SmartSelect Technology, select the specific floor type and the mop automatically releases the right amount of steam
Burst of Steam button Releases 50% more steam for tough stains
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



Tools Deals
g: 2 Posted By: remick
Views: 282 Replies: 1 https://sonelli.com/500k

How does it work?
In order to apply your free upgrade, just enter your email address below. This must be a Google hosted email address setup on your Android device.
You will receive an automated email after 2-8 hours with details of how to activate your free upgrade. The license is tied to your Google email address and is a life time license for an unlimited number of devices.
This email address is used only to apply the purchase to your Play Store account. We will never sell your email address, or spam you.


https://play.google.com/store/apps/details?id=com.sonelli.juices...

The all in one terminal client for Android including SSH, Local Shell, Mosh and Telnet support.
Features:
- Full colour terminal / ssh client
- Popup keyboard with all those normally hard to find characters
- Use the volume keys to quickly change font size
- External keyboard support
- Official Mosh support (http://mosh.mit.edu)
- Telnet support
- Local Android terminal support
- Click URLs to open in a browser
- Copy & Paste within sessions
- Save / Share SSH transcripts to dropbox/Evernote/Email & SD card
- UTF-8 character support
- Easily organise your connections by group
- Keep multiple SSH sessions running in the background
- Seamlessly connect 'via' other SSH connections with one click
- Immediate access when you open the app to your frequently used connections
- Password & OpenSSH private key support
- SSH key agent forwarding
- Support for two-factor authentication (eg: Google Authenticator)
- Identities (users/password/keys) are abstracted from connections. Instead of updating every connection when you change your password - just update the identity and any connections linked to it will use the new password/key.
- Works out of the box with Ubuntu, RedHat, CentOS, Mint, Gentoo and all other flavours of Linux
- zlib compression to improve SSH sessions on high latency connections

Pro Features (optional in-app purchase):
- Quick and easy port forwards that can be connected to via the app or widget and can automatically open in a browser if required.
- Integrate with Amazon AWS / EC2, synchronise connections and automatically group servers based on their class or security groups.
- Securely keep everything in sync between multiple devices
- Automated AES-256 encrypted backups of all of your connections and settings
- A beautiful widget for fast access to either your frequently used connections, or a specific group (Android 3.0+).
- Team collaboration. Share your groups of connections with team members and start working together instead of separately.
- Handy snippets library for quick access to your frequently used commands
- Dark, Light, Solarized Dark and Solarized Light terminal color themes
For an overview of solarized color scheme and why it rocks for terminal usage check out http://ethanschoonover.com/solarized
- Security lock to automatically protect JuiceSSH after a period of inactivity
For a detailed overview of this applications permissions and how each one is used in our ssh client please see http://sonelli.com/permissions
Free Apps Deals
Microsoft OneNote goes Free for all Platforms
Added on : Monday March 17th 2014 01:00:05 PM
g: 0 Posted By: majicc
Views: 529 Replies: 0 With the launch of a Mac version Microsoft have made OneNote free for all platforms. Some features are still tied to the paid version (SharePoint and Outlook integration) but few would use those anyway.

http://www.onenote.com/
Software Deals
g: 0 Posted By: Deals4mykids
Views: 174 Replies: 0 Cheap back up set for those upcoming spring rides

http://www.newegg.com/Product/Product.aspx?Item=9SIA03X0G80654
Home & Garden Deals

Newegg Coupons
Microsoft OneNote goes Free for all Platforms
Added on : Monday March 17th 2014 09:00:13 AM
g: 0 Posted By: majicc
Views: 224 Replies: 0 With the launch of a Mac version Microsoft have made OneNote free for all platforms. Some features are still tied to the paid version (SharePoint and Outlook integration) but few would use those anyway.

http://www.onenote.com/
Computers & Software Deals
Question on business expenses for the previous year
Added on : Saturday March 15th 2014 05:00:04 PM
g: 0 Posted By: minghi
Views: 57 Replies: 0 Hello, I started a business last november and ran payroll for two months. Two paychecks were made out to myself dated on the last date in Nov 2013 & Dec 2013. So, these are business expenses for last year; but I've a doubt regarding the tax payments (F940/F941/State Income, UC & local taxes) & annual business registration (in PA). Are all these taxes considered deductible business expenses for last year? even though I'm making those payments this year. Sorry, I couldn't find a clear answer by searching online. Thanks.
Question Deals
g: 0 Posted By: BudgetingMom
Views: 69 Replies: 0 Please tell me that I am doing something wrong. But I just logged in to the Ultimate Rewards portal and can't even FIND Kohl's listed under merchants anymore.

When did this happen? Ugh!!! I loved those 10X points!
Discussion Deals
eSmart Tax Online filing FREE, $9.95, $19.95, $29.95 or $39.95
Added on : Saturday March 15th 2014 10:00:02 AM
g: 0 Posted By: MrsGuin
Views: 1 Replies: 0 Owned by Liberty Tax and extra guidance can be received at a retail location. You can import last year's tax returns from other online tax software products.
FREE - For individuals with simple returns.
$19.95 - For families and those who need to itemize deductions
$39.95 - For self-employed business owners and contractors.
http://www.esmarttax.com/
Lindt Truffles (selected) 50% off
Added on : Friday March 14th 2014 01:00:05 PM
g: 0 Posted By: craig001
Views: 203 Replies: 0 Lindt is running a 50% off select products, including several varieties of Truffles. Code is spring50. Spend $75 after discounts and use hellogift to get $8 morein their hello chocolate bars. $12.50 for 75 truffles or $19 for the 120 count box. I could not find a free shipping code so that may kill the deal for some. www.lindtusa.comfor those w/o a store nearby.
Gifts Deals
g: 0 Posted By: slervik
Views: 155 Replies: 0 eBay Daily Deals has the Motorola Tracfone EX431G w/ 600 Minutes & Triple Minutes for Life on sale for $19.99 with free shipping.

Tracfone Refill Cards usually are priced around $32.

For those cell phone users who don't wish to have a smartphone.

​LINKKK
Cell Phones Deals

eBay Coupons
g: 0 Posted By: cabowabo1970
Views: 145 Replies: 0 Norton Internet Security 2014 - 5 PC's for $29.99

http://www.frys.com/search?search_type=regular&sqxts=1&cat=&query_string=7824999

For those of you that prefer NIS for your network security, here's a great deal on the 5 PC license. No rebates, no coupons needed. Available in store or online with free shipping.
Amazon's price is $77 http://www.amazon.com/Norton-Internet-Security-2014-Download/dp/B00FGDE64C/ref=sr_1_5?ie=UTF8&qid=1394818716&sr=8-5&keywords=norton+internet+security+2014

Software Deals
For those with GE Capital Online Savings Accounts
Added on : Friday March 14th 2014 06:00:17 AM
g: 0 Posted By: tweeter77
Views: 48 Replies: 0 Those of you who use Mint and have GE Capital Online Savings accounts are well aware that you cannot import your account into Mint. It is frustrating as you have to add the balance to "Other Property" and cannot track deposits/interest. I have read in the Mint forums that many people have requested this integration but it seems to be going no where. When I emailed GE Capital they responded with the standard "We are working towards it" type response. Well it seems they have been doing that for years. It seems perplexing as other GE Capital accounts are integrated (ie credit card, banking). This is my call to others to hit Mint and GE Capital with email requests to add integration. Maybe if they get enough requests in a short period of time they will get it done. Thanks!
Deposits Deals
Amex Blue Reward Dollars - anything worthwhile other than cash?
Added on : Friday March 14th 2014 12:00:03 AM
g: 0 Posted By: Treefarn
Views: 51 Replies: 0 I have about $2K in reward $ at American Express for my Blue card. I was looking to cash it out, was trying to see if there was anything worthwhile to do with those $. I certainly don't mind buying items I can resell on eBay, or buying GCs at a discount, but there doesn't seem to be anything. All gift cards are face value, and electronics are WAY more than actual cost.

What are people doing with these $?
Discussion Deals
Ralph Lauren online/store $20-$150 off spend $100-$500 exp 3/19/14
Added on : Thursday March 13th 2014 03:00:09 PM
g: 0 Posted By: Rubl
Views: 117 Replies: 0 CODE: RLSPRING14
expires: March 19th, 2014 (11:59pm PT)

*Save $20 when you spend $100 in one transaction, save $50 when you spend $200 in one transaction, and save $150 when you spend $500+ in one transaction at RalphLauren.com and Ralph Lauren Stores only. Maximum reward $150. Offer is applied when qualifying items are in your cart and you enter promotional code RLSPRING14 at checkout or at the register in store. Offer is valid from March 13, 2014 to March 19th, 2014 (11:59pm PT). Amounts paid for gift cards, taxes and shipping & handling do not count toward the qualifying amount. This promotion does not apply to the following merchandise: Men's Purple Label, Women's Collection, Men & Women's Black Label, Men & Women's RRL, Collection and RL Accessories & Footwear, Watches & Fine Jewelry, Fragrances, and Home items. This offer does not apply to previously purchased merchandise, has no cash value and cannot be combined with any other offer (except the Complimentary Shipping event for online orders over $100). This offer is not valid at Polo Ralph Lauren Factory Stores, department stores, or the Ralph Lauren Eyewear store. If you have any questions, please contact Customer Assistance at 888-475-7674.

**Free Shipping offer is valid on orders more than $100 shipped in the United States and applies to Standard Ground shipping orders only. The $100 threshold applies to merchandise only. Taxes and additional shipping and handling (if applicable) and the purchase of gift certificates and gift cards do not count toward the qualifying amount. The total order amount after any discounts are applied must be more than $100 to qualify. Not valid for cash. Previous purchases are not eligible for adjustments. If you choose to ship Standard Ground and are shipping to multiple addresses, you will receive free shipping only to those shipping destinations receiving more than $100 of merchandise. If an address is receiving less than $100 in merchandise, you will be charged for shipping accordingly. Additional standard shipping surcharges apply to lighting and rug purchases.
Clothing Deals
g: 0 Posted By: davneil
Views: 190 Replies: 0 I had need for a Soccer Ball and was looking around where those are in Sports Authority and found that they have bunch ofBackyard Hero Soft Tetherball for sale at 97c and were Originally shown to be selling for 24.99. They are green black and yellow color on the ball and they are called BACKYARDHERO. SKU # 32687394. In Houston don't go to 1960 and Mills Road Sports Authority because I bought all of these from there. I bought two yesterday and they praised me so much that for the praise I thought of buying all of these.
Effort/Risk to Reward Analysis of 2014 FWF Techniques (such as MS)
Added on : Thursday March 13th 2014 05:00:15 AM
g: -1 Posted By: robronson
Views: 76 Replies: 3 I'm big on calculating effort-reward ratios to determine if something is worth my time. I also factor risk in there. It seems like most of the things being done in 2014 on FWF have substantial risk with lots of effort involved to receive the reward.

When it comes to risk mitigation, one needs to consider both the magnitude of the bad thing happening and the likelihood. Just because something is rare, like a hurricane or an earthquake, doesn't mean one should ignore insuring against it because the devastation is so high that if it occurs, you're really screwed. Apply that to MS techniques.

What if the FBI decides you might be involved in money laundering or terrorism because you suddenly start transferring tens of thousands of dollars through gift cards for MS? Now you're on the no-fly list and can never get on an airplane ever again. There's no appeal process for that. Maybe the FBI shows up at your job to interview you and it costs you a promotion or even causes you to be fired depending on how aggressive they are. Sure, the chances of this happening are small, but so is an earthquake, and you insure against that.

Then there's the effort of driving to different places to buy the gift cards and load them. And the risk of losing one of them. If you lose one of your $500 reloadable cards then you've wiped out several months of profits. And given the hundreds of cards you're carrying around, the chances of losing one of them is reasonable.

Reward checking accounts don't seem to be worth it anymore. I had one that was 2% that got dropped down to 1%. It's so close to what Alliant CU is paying in the regular checking account that it's not worth fulfilling the requirements for 1%. But I still have the CHEX ding for applying for this account plus the hassle of paperwork and logging in regularly to check for fraud. I thought I might get a new rewards checking and found one that offered a 3% rate in the FWF sticky thread. Then I realized with a $10k cap, I'm making $300 per year. But I could be making $100/year keeping it in a 1-year CD or $70/year at Alliant. So really, the marginal gain is only around $200 per year, which is maybe $120 after taxes. So I'd have to jump through hoops and make sure I use the stupid debit card 12 times per month for $10/month in profit. Subtract out the reward bonus I am losing by virtue of not using my credit card on those 12 transactions and maybe I'm gaining $5 to $8 in profit for a lot of effort. Not worth it to me.

It seems like the biggest value is in credit card signup bonuses because those can be $500 or so in value with minimal effort. The risk being that your accounts may get shut down if they think you're churning. Since Chase is the biggest one currently doing signups, and because I value maintaining my relationship with Chase for actual legitimate (non-churning reasons), I avoid doing signup bonuses with them.

Further, there is risk in doing signup bonuses because your other banks may decide to cancel your credit cards if you have too many new inquiries. That risk varies depending on your credit score and what CCs you currently have. That said, it would be terrible if one of my good credit cards like my grandfathered fee-free 5% PenFed Cash Gas card got cancelled because I had too many new inquiries and PenFed got squeamish. That would cost me a lot of money in the long run for a short-term gain of some bonus points on new card apps. Personally, I find the maximum risk-value with credit card signups to be 2 to 3 per year because that's a "reasonable" amount that won't likely get my accounts at other places closed and I'm still getting decent free stuff.

Everyone's personal value of their time, risk tolerance, and personal situation will be different so you need to decide for yourself what's worth doing and what isn't.
Discussion Deals
Free Ebooks 3-13-14
Added on : Thursday March 13th 2014 05:00:14 AM
g: 0 Posted By: jhall1822
Views: 134 Replies: 0 Note: As always check the price of the books before you purchase, they do not stay free forever! I am posting any books rated 4 stars or higher from FreeEbooksToday

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

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

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

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

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

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


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

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

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

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

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

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

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

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

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


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

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

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

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

* Energy enhancement from oxygen rich chlorophyll.
* Blood detox heals the body by eliminating impurities.
* The immune system is strengthened so that chronic diseases linked to cancer and arterial malfunction are mitigated.
* Weight loss is precipitated with juice enzymes.
* Hair, skin, and nails sustain growth, extending their appearance, and controlling them from premature aging.
* Mental acuity in concentration, memory, and precision are improved with juice.
* Increased muscle and joint flexibility.
* Deal with Insomnia and other sleeping disorder with Juicing.
Also, You will Discover:
* How A Cleanse and Detox Program must be Successful: Ultimate Tips?
* Role of Juices to fight back with cancer!!
* How Your Kidney/Liver Function will be to Improved by Juicing?
More than 101″ Delicious Vegetables and Fruits Juicing Recipes for:
* Weight loss and Fasting
* Cleanse and Detox
* Immune Boosting
* Wrinkle Reducing
* Colon Cleanse
* Prevent & Fight for Cancer, Diabetes
* Increases your Kidney Function
* Muscles Soothing and calming
* Memory Boosting
* Your Kids
* Mental Acuity
* And More
Totally Free Deals
Insurance Brokerage
Added on : Thursday March 13th 2014 05:00:14 AM
g: 0 Posted By: langberg
Views: 0 Replies: 0 Hi,

I was not sure if this should go in "off topic" or the "finance" forum, but it is regarding insurance and becoming a small broker for business to business dealings. I am an independent insurance agent and I currently only sell supplemental insurance for Aflac, it fills in the gaps where health insurance and other insurance do not cover. However, I do want to expand my product offerings, namely ones that offer the following:

1. Life Insurance
2. Dental
3. Long Term Disability

I am looking to represent the most honest and fairly priced companies, as I have already found that Aflac is the best in their field and I am proud to represent such ethical insurance company (they've been recognized in Ethisphere's list of World's most Ethical Companies since the inception). Any suggestions on great companies for those 3 types of insurance?

Thank you,
Jon
Surprisingly deceptive NFCU CC descriptions
Added on : Wednesday March 12th 2014 10:00:15 AM
g: 0 Posted By: aaron27
Views: 8 Replies: 0 Apologiesfor probably making a mountain out of a molehill. I've always been a satisfied customer of Navy Federal Credit Union, but I've come across something that is simply game-playing on their part and I confronted them about it and they refuse to make it right. I'm completely taken aback at how sketchy they are.

So I have an nRewards credit card with them. It's verystraightforward. You earn one point for every dollar you spend and those points can be redeemed for "Rewards up to 1% of each dollar spent." My experience with this card has been great. You spend $5,000, you earn 5,000 points and you can easily redeem those 5,000 points for a $50 prepaid visa check card. That is exactly equal to the 1% figure they use.

I had some big purchases coming up and wanted a card with a higher limit than the $2,000 CL I have with the nRewards. I looked at their nifty comparison chart (screencap attached) and see they have a Flagship Visa card. It has an annual fee, unlike the others, but says, unlike the others, you earn two points for every dollar spent and says, clearly, "Rewards up to 2% of each dollar spent." I applied for and was approved for a new card with $5,000. Fantastic.

After receiving and activating the card, I clicked on the reward redemption link. It takes you to a page that is absolutely identical to the nRewards redemption page.Identical rewards are available. However, that same $50 check card I redeem for 5,000 points with the other card costs 10,000 points. So you earn points twice as fast, but redemptions are twice as expensive. It's a total wash. I looked through a lot of the rewards and they all amount to the exact same 1% back that's available with cards without an annual fee.

I emailed them, thinking it's a mistake. I was absolutely sure they wouldn't be so dumb as to play a silly game like that and think their customers won't notice... They reply that no, the terms say "up to 2%" not "2%." I asked them if there are ANY rewards that amount to 2% (which is their number, not mine) and they did notprovide an answer. Then I requested the $49 fee be refunded. And now they are refusing to do that! To rub salt in the wound, I made the mistake of opening the card last week. This week, if you apply for the same card, you get the annual fee waived AND you get 30,000 points. I can't even get the fee waived when I complain about their very clearly deceptive advertising... These people are absolutely nuts!
General Economics Deals
Free Ebooks 3-12-14
Added on : Wednesday March 12th 2014 04:00:09 AM
g: 0 Posted By: jhall1822
Views: 97 Replies: 0 Note: As always check the price of the books before you purchase, they do not stay free forever! I am posting any books rated 4 stars or higher from FreeEbooksToday

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

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

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

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

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

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

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

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

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

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

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

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

A serial murderer nicknamed the Blood Dahlia has been terrorizing the quiet suburbs of Pennsylvania. Brutally mutilating his victims in the fashion of the most famous murder in Hollywood, the killer leaves no trace behind.
The FBIs elite Behavioral Science Unit, the section responsible for the study and investigation of serial murder, has little evidence to go on. Believing the killer to be beyond their reach, the agents in the BSU decide they must simply wait for the killer to make a mistake until they meet Sarah King.
Sarah, a mysterious outcast of the Pennsylvania Amish community, claims she has a unique ability: she can speak to the dead. And the victims of the Blood Dahlia are calling out to her.
When the FBI enlists her help, special agent Giovanni Adami is skeptical of her abilities, but begins falling for the young woman. His feelings for her are clouded with his distrust of psychic phenomena, but as the Blood Dahlia grows in his barbarism, he knows the FBI has little choice but to explore every avenue available.
Whether or not Sarah can speak with the dead ultimately doesnt concern Giovanni. He is interested in results, and when Sarah begins providing some, he must question everything he knows about the world and his place in it. She is either the cleverest fraud he has ever met, or a true psychic with an unexplainable gift.
But when the Blood Dahlia takes an interest in Sarah personally, it will take every ounce of strength she has to survive. And as she prepares for him to come for her, she realizes that not everyone is what they seem
Totally Free Deals
g: 0 Posted By: jisab
Views: 38 Replies: 0 http://kids.woot.com/offers/knot-genie-2-pack-bundles-9-choices-...


Your wish to have your little one stand still while you brush their hair, is The Knot
Genie's command
Choose from 9 different color and size combination bundles
This brush takes the drama out of brushing knots out of hair, and makes it pain-free
The secret genie power lies in the varied bristle lengths which gently bend as you brush
Having give in the bristles puts less stress on the hair's cuticles, protecting from breakage
Provides a great tactile experience for those with sensory issues
Leaves hair smoother and shinier
3 Sizes, Supreme (with handle), Knot Genie (standard size), and Teenie Genie (smaller size)

Beauty Deals

woot! Coupons
g: 0 Posted By: Virgil27
Views: 78 Replies: 0 Tax Time Printer Value Bundle with Bonus Accessories @ Walmart - From $54.00
Free Shipping!Get all the tools to take out those taxes in a flash with this Tax Time Printer Value Printer which features choice of several models of printers and tax software bundled with a flash drive and printer paper. The price depends on which option you choose, but the lowest price is $54 with free shipping. (FatWallet Deal Hunter staff posts are certified ad-free. No money, bribes, or candy have been accepted.)
Printers & Ink Deals

Walmart Coupons
Gladiator 28" gearbox cabinet - 97.99
Added on : Tuesday March 11th 2014 11:00:02 AM
g: 1 Posted By: prsrcokr
Views: 240 Replies: 0 Great price on this cabinet at 97.99 and several others in the Gladiator line for those that may be looking. Closest at other stores I found was 139 (Amazon)
Free delivery or in store pickup. Can also combine with other Sears coupons (5 of 50) or SYW discounts and coupons. Don't forget FW CashBack as well!

http://www.sears.com/gladiator-ez-rta-full-door-wall-box/p-00938187000P?prdNo=20
Home & Garden Deals

Sears Coupons
Free Ebooks 3-11-14
Added on : Tuesday March 11th 2014 09:00:08 AM
g: 0 Posted By: jhall1822
Views: 1 Replies: 0 Note: As always check the price of the books before you purchase, they do not stay free forever! I am posting any books rated 4 stars or higher from FreeEbooksToday

Freedom from Luggage: Packing Light to Simplify Travel
Rating - 4.8 (5 Reviews)

Travel without luggage. Really. Without luggage!
We first enjoyed packless travel while celebrating our retirement with two months touring New Zealand. Having escaped the many burdens of luggage, we offer you the same opportunity.
Learn step-by-step how to develop an efficient collection of travel clothes. Discover new ways to carry the few accessories we really need. You can be ready for most occasions and weather with a minimum of clean, fresh, wrinkle-free extra clothes. The goal: avoiding the hassle of even a roll-around carry-on.
Recognizing that some situations like cruises require some luggage, we also offer strategies for determining when you really need luggage and when you dont. Then we describe how to minimize any luggage you take.
We invite you to experience the freedom of packless travel.

Travel Resolutions: 52 New Ways to Experience Planet Earth
Rating - 4.3 (3 Reviews)

Every day is a good day to make a resolution. Let Lonely Planet help you celebrate travel and create your ultimate travel wish list. Our FREE ebook Travel Resolutions: 52 New Ways to Experience Planet Earth features some of the most inspiring travel experiences from the travel experts at Lonely Planet. Paraglide in South Africa; rock climb in China; sleep in a tree-house on Canadas Vancouver Island; take a cooking course in Jordan or a flower-arranging course in Kyoto; go clubbing in Berlin; and much more. The 52 experiences introduced in this planning ebook will whet your travel appetite and help you to decide which promises to make and inspire you to keep them all. Begin your journey now!

Beginners Guide to Fly Fishing
Rating - 5 (1 Review)

In many cases an anglers life proceeds in a series of stages. To begin with he goes in for the simplest way of catching fish because at that stage his sole outlook is to deceive as many fish as possible at each outing, irrespective of the size or lack of cunning of such fish.
Later the angler may well find that he feels an urge to try something more difficult in the way of either fishing methods or fish.
Gradually he finds that there can be immense satisfaction in catching fewer fish, but of better size, possibly through mastering a more difficult method of fishing which, when he started fishing, seemed beyond his skill.
Eventually, having tried out various methods among various fish, most enthusiasts settle down to one, or perhaps two methods and apply them to the pursuit of one or two kinds of fish.
You have of course, exceptions. There are those who are dedicated to coarse fishing with bait and who would not waste time going after trout or salmon. You have the trout or salmon Fanatics who would not fish with bait for any fish and who have no interest in coarse fishing. Then there are the few who divide their time between coarse and game fishing.
For myself I am a trout and salmon addict and nowadays I fish only with the fly. That does not mean that I do not admire those who fish for other fish in other ways. Indeed I think that the coarse fisher of the English waters is worthy of the greatest admiration as a very sporting gentleman who goes to immense trouble and expends great skill to catch fish, all of which he returns to the water. What could be more sporting than that?
In my own case I caught my first trout on fly and it was at a later date that I enjoyed flood fishing with the worm.
So with salmon-my first fish was on a fly and it was in later years that I learned spinning with the difficult centre-pin reel and then went on through almost all the spinning reels that were manufactured. Eventually I turned to the fly completely for the simple reason that I love fly fishing better than any other method I have tried.
Today, as I see it, too many beginners buy a fixed-spool reel, find it simple to work and then, gaining an impression that fly casting is difficult, they go on bait fishing or spinning even though they feel they would like to try the fly.
I am not going to say that there is anything wrong in this but I do feel that many of our younger anglers today would like to try fly fishing if only they had someone to guide them at the start.
If in this way I can help even a few anglers to share the joy and the satisfaction that fly fishing has given to me over the years I will have been amply repaid.

Move the Ball: How the Game of American Football Can Help You Achieve Your Life Goals
Rating - 5 (2 Reviews)

Move the Ball draws parallels between football and life. The two are very similiar in that the principles needed to win the game of football are the same principles you need to win the game of life. Football teaches you how to use the strategies of the game to tackle any obstacle, beat any blitz, and overcome any blindside on lifes field. No matter what the situation, football provides you with the tools necessary to scramble through a field of defenders, move the ball forward, get into the end zone, and achieve lifes goals.
Achieving lifes goals comes down to this: hard work, teamwork, discipline, and dedication. In both situations, these principles build the conviction to drive that ball into your end zone and score. Defenders on your personal field intentionally want to stop the ball and limit your movement. You must recognize these defenders exist and have a plan to outmaneuver them. This book teaches you how to recognize the blitz, adjust to the blitz, and beat the blitz.
In football and in life, the players need to define the goals, invent the playbook, and execute the plays. Move the Ball draws upon the football playbook to show you how to do this and realize your dreams. Great players dont settle for being ordinary. They have a strong belief in themselves and strive to be extraordinary. They have M.A.D. P.R.I.D.E. This book shows you how you can use the elements of M.A.D. P.R.I.D.E. to overcome any obstacle and win.
As human beings, we need challenges to value our accomplishments; to experience the joy and elation of winning against obstacles. A great persons true character is displayed when he is able to face adversity, persevere, and accomplish his goals.
Life is about happiness. You only live once, so make every minute count. Life is about never giving up. Dont stop playing the game until its over. Life is about getting into the end zone and winning. You will achieve greatness.
The time is now for you to make the change. Are ready to move the ball?

Bow & Arrow, Archery Set for Scouts (Illustrated How to Build Guide #1)
Rating - 4.2 (23 Reviews)

This is a simple and illustrated, HOW-TO guide for an economical and environmentally friendly, Archery Set.
The materials used are bamboo, reed grass, and recycled man-made materials found easily around the world most prominently in third-world countries.
This guide will allow scouts in all economic situations to learn gadget building skills and archery, hence reinforcing the idea that Scouts Build a Better World.
Hopefully, experienced archers will find this guide entertaining and challenging, allowing them to expand their creativity and handicraft skills.
The author envisions a series of guides that serve to further enhance the development of scouts archery skills, while teaching them rudimentary survival tactics that they can both enjoy and benefit from.

HOW TO MAKE A WEBSITE OR BLOG: with WordPress, WITHOUT Coding, on your own domain, all in under 2 hours! (THE MAKE MONEY FROM HOME LIONS CLUB)
Rating - 4.4 (44 Reviews)

Learn how to make a professional website or blog on your own domain in less than a couple of hours, and learn how to do it all using the Internets most popular Content Management System: WordPress.
No coding knowledge is required to use WordPressif you can use Microsoft Word, you can make a professional website with WordPress (WordPress is software that is completely free).
It is all taught in step-by-step lessons in this book (with links to supporting video lessons for extra clarity - the video lessons show you the entire completion of mikeomarwebsites.com from beginning to end).
With the lessons taught in my book, you will be able to create any type of website that you want with any kind of look that you want, from personal blogs to professional business websites to e-commerce websites.
Also, included as a bonus chapter, an introduction to how to build passive income websites using WordPress, and how making money online actuallyworks!
Here are the topics covered in my book:
TECHNICAL / SETTING UP:
The SMARTEST and CHEAPEST way to buy a domain.
The SMARTEST and CHEAPEST way to buy a hosting package.
Linking your domain to your hosting account and installing WordPress.
BASICS:
An introduction to WordPress and best Search Engine Optimization (SEO) settings for your website.
How to add pages for regular websites.
How to add posts for blogs.
How to add pictures and links.
How to set up a sidebar using widgets.
How to change the look of your website with different themes.
How to add a contact form, plugins, and social media buttons.
ADVANCED:
How to install Google Analytics for tracking.
How to add buy now PayPal buttons.
How to add an interactive Google Maps map to your website.
How to set up a mailing list / newsletter (and best practices for doing so).
How to protect your website from hackers, malware, and other viruses.
Resources for e-commerce websites, doing keyword research, doing link building and SEO, affiliate marketing, membership websites, outsourcing, video recording, and more!
AN INTRODUCTION TO MAKING MONEY ONLINE:
What are some of the most common methods for making money online?
What is the simplest way to make passive income online?
If I want to make money online, where do I start?
The Structure of a $1,000 per Month Passive Income Website.
g: 7 Posted By: remick
Views: 1364 Replies: 2 http://www.amazon.com/Detailed-Instructions-Gunsmith-At-Home-ebo...

501 pages

If you are looking to keep your firearms in mint condition and want to do it at home then this book is for you. It offers instructions on what tools to use, how to use those tools and what they can do for you and your firearm. It also covers how to use tapping and die covering threads as well as steps on cold blueing your weapons. Everything you need to know on how to improve your firearm is right here in this book.
Totally Free Deals
OFFER OVER Free Kindle Book - 3250 Questions to Ask Before Marriage
Added on : Tuesday March 11th 2014 07:00:11 AM
g: 11 Posted By: remick
Views: 2111 Replies: 6 http://www.amazon.com/3250-Questions-Ask-Before-Marriage-ebook/d...

"3250 Questions to Ask Before Marriage" is an essential guide for couples who are dating, engaged or getting married.

With an estimated 40% of all marriages ending in divorce, couples need to be sure they really know the person they are marrying and are well prepared to enter marriage as a lifetime commitment.

These pre marriage questions and fun relationship questions let couples really get to know one another. Couples can pick out subject areas where they believe they have the most conflict and ask each other those questions. When couples can ask each other questions and listen to each other actively, honestly, and openly, they gain insight into their partner's beliefs, values, goals, likes, and dislikes.

Couples who are able to openly, honestly and lovingly communicate with each other are the couples whose marriages have the best chance of success.

This book has questions on subjects that include work, money, sexuality, personality, education, health, children, religion, the past, entertainment, and much more.

The author also includes a bonus section of questions that include questions to ask your pastor, questions to ask his mother and his ex, questions for her dad to ask her partner, questions for men to ask themselves, and more.

When couples are able to explore intimacy with their partner, explore their own and their partner's thoughts and feelings, and understand their partner and themselves, they have a much higher chance of entering into a successful marriage that will last.
Totally Free Deals
g: 6 Posted By: remick
Views: 1272 Replies: 2 Planes, Trains & Automobiles: A Fascinating Book Containing Facts, Trivia, Images & Memory Recall Quiz: Suitable for Adults & Children
http://www.amazon.com/Planes-Trains-Automobiles-Fascinating-Cont...

Hi and a very warm welcome to my "Planes, Trains & Automobiles" Bundle. A Fascinating Collection of Books, each providing Amazing Facts, Awesome Trivia, Stunning Images & A Fun Memory Recall Quiz: Suitable for Both Adults &
Children.

I'm one of those people who loves to hear about extraordinary facts or trivia about anything. They seem to be one of the few things my memory can actually recall. I'm not sure if it's to do with the shock or the "WoW" factor but for some reason my
brain seems to store it for a later date.

I've always been a great believer in that whatever the subject, if a good teacher can inspire you and hold your attention, then you'll learn! Now I'm not a teacher but the system I've used in previous publications on Kindle seems to work well, particularly with children.

This "Bundle" edition, featuring three of my books, includes a selection of those "WoW" facts combined with some pretty awesome pictures, if I say so myself! At the end of each book there is a short "True or False" quiz to check memory recall
and to help cement some of the information included in each book. Don't worry though, it's a bit of fun but at the same time, it helps to check understanding.

If you are an expert on these subjects then it's unlikely you will find anything new here but if, like me, you enjoy learning unusual facts with interesting pictures then I hope you'll love it.
Totally Free Deals
g: 0 Posted By: HISHAMNOMAN
Views: 302 Replies: 2 Just got this email from Marriott today and wanted to share for those that passively delete emails

ENJOY A SPECIAL TREAT: GOLD ELITE STATUS
We have news you'll love. As part of a select group, we have upgraded you to Gold Elite status for three months. As a Gold Elite member, you'll receive exclusive benefits including a 25% bonus on Marriott Rewards points, guaranteed lounge access at participating brands, complimentary room upgrades, and free high-speed Internet access.

To enjoy your Gold Elite status longer, stay* six times at a participating Marriott brand between April 1 and June 30, 2014 and you'll maintain your Gold Elite status through February 2016. We took it upon ourselves to enroll you in this special program, so there's no need for you to lift a finger to enroll. Simply book now and enjoy your Gold Elite benefits.

Sincerely,
Your Marriott Rewards Team
Hotel Deals
g: 0 Posted By: HISHAMNOMAN
Views: 164 Replies: 0 Just got this email from Marriott today and wanted to share for those that passively delete emails

ENJOY A SPECIAL TREAT: GOLD ELITE STATUS
We have news you'll love. As part of a select group, we have upgraded you to Gold Elite status for three months. As a Gold Elite member, you'll receive exclusive benefits including a 25% bonus on Marriott Rewards points, guaranteed lounge access at participating brands, complimentary room upgrades, and free high-speed Internet access.

To enjoy your Gold Elite status longer, stay* six times at a participating Marriott brand between April 1 and June 30, 2014 and you'll maintain your Gold Elite status through February 2016. We took it upon ourselves to enroll you in this special program, so there's no need for you to lift a finger to enroll. Simply book now and enjoy your Gold Elite benefits.

Sincerely,
Your Marriott Rewards Team
Hotel Deals
g: 0 Posted By: HISHAMNOMAN
Views: 1 Replies: 0 Just got this email from Marriott today and wanted to share for those that passively delete emails

ENJOY A SPECIAL TREAT: GOLD ELITE STATUS
We have news you'll love. As part of a select group, we have upgraded you to Gold Elite status for three months. As a Gold Elite member, you'll receive exclusive benefits including a 25% bonus on Marriott Rewards points, guaranteed lounge access at participating brands, complimentary room upgrades, and free high-speed Internet access.

To enjoy your Gold Elite status longer, stay* six times at a participating Marriott brand between April 1 and June 30, 2014 and you'll maintain your Gold Elite status through February 2016. We took it upon ourselves to enroll you in this special program, so there's no need for you to lift a finger to enroll. Simply book now and enjoy your Gold Elite benefits.

Sincerely,
Your Marriott Rewards Team
g: 0 Posted By: DOChicago
Views: 106 Replies: 0 For those in need of a tire rotation after this brutal winter, Sears Auto Centers is offering one FREE AC. Plus multi-point undercar/underhood inspection. Not available in all stores and may not be combined with any other coupon or associate discount. Offer expires 4/5/14.

Sears Coupon Link
Auto Parts Deals

Sears Coupons
Garmin GPS Clearance $55-110 @ Target B&M
Added on : Monday March 10th 2014 11:00:03 AM
g: 0 Posted By: bulldingo
Views: 75 Replies: 0 Saw the following today at my SF bay area Target:

Garmin Nuvi:

42: $55
52 LM: $75
2457 LMT: $80
2597 LMT: $110

As always, for those of you who constantly whine about imperfect posts: man up or call mommy.
GPS Deals

Target Coupons
g: 0 Posted By: EffSlickDiQ
Views: 198 Replies: 0 First post and didn't see elsewhere. Disney Movie Rewards has $10 hollywood movie money for 600 points. Last time available it was 425 but still a good buy. They also have $5 concession cash for 300pts. Terms and Conditions: The Hollywood Movie Money certificate is valid for up to ($10.00 US/$10.00 Canada) toward one admission to see any Disney movie, at any showing including those designated as "no coupons, no passes" in local theater listing guides. Your reward code is valid through 7/31/14. Certificate expires within 6 months from online code activation. If lost, cannot be replaced. Void if sold or otherwise exchanged. No reproductions will be accepted. No change will be provided. Not valid with any other offer. Offer valid in United States or Canada only, depending on the zip code and country selection during the code activation process.

Limit 4 redemptions per member

http://www.disneymovierewards.go.com/rewards/



Services Deals
g: 0 Posted By: JustaGYnAZ
Views: 21 Replies: 0 I've beenwading into the DIY home automation area andthe prices of components can be daunting compared to their non-HA equivalents, sometimes upwards of 5-10x. While looking for various pieces to build out my system (cameras, switches, outlets, sensors, etc.), Icame across these items at Fry's Electronics. For those lucky folks with a Fry's store nearby, check online for availability (alreadychecked zip codes 85308 and 91770 for the dimmer kit and there is no availability). For those even luckier with both a Fry's with availability AND a Lowe's nearby, you can try price-matching at Lowe's (they carry the GE products in-store as part of their IRIS HA selection). I'd like to see if anyone can finda Fry's with stock and maybe then try price-matching online elsewhere.

Frys - GE Z-Wave Wireless Lighting Control 3-Way Dimmer Kit : 45613 @ $4.90

Amazon search results for GE 45613 @ $50-106

Frys - GE Z-Wave Wireless Lighting Control Remote : 45600 @ $1.90

Frys - WAYNE-DALTON WDHC-20 TELEPORT UNIVERSAL REMOTE CONTROL FOR Z-WAVE @ $.10

Frys - GE Jasco Z-Wave Wireless Lighting Control Advanced Remote : 45601 @ $4.90


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

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

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

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

Performance Bicycle Coupons
g: 0 Posted By: nthoangga
Views: 5 Replies: 0 I'm 24, non-US citizen. I just recently graduate my MS and starting a full time position. My monthly take home is $4750. I'm still living like a college student, so I'm roughly saving about $4k/month now.

I have maximized my IRA monthly contribution to my employers matching. What should be my financial move, from now? I don't want to contribute too much to any retirement account, because I want to have a big cushion that if for some reason I have to go back to my country, I still can withdraw those money without to much penalty.

Thoughts from FWF wiser very much appreciated! Thanks!
[Btw, I'm just starting reading The Boggle Head for Investing]
Personal Finance Deals
g: 0 Posted By: Marguerita
Views: 215 Replies: 1 Now those are some expensive cookies!
http://abcnews.go.com/Business/colo-man-owes-700-girl-scout-cook...
Discussion Deals
g: 0 Posted By: remick
Views: 192 Replies: 0 http://www.amazon.com/Public-Financial-Management-Emerging-Archi...

The first two decades of the twenty-first century have witnessed an influx of innovations and reforms in public financial management. The current wave of reforms is markedly different from those in the past, owing to the sheer number of innovations, their widespread adoption, and the sense that they add up to a fundamental change in the way governments manage public money. This book takes stock of the most important innovations that have emerged over the past two decades, including fiscal responsibility legislation, fiscal rules, medium-term budget frameworks, fiscal councils, fiscal risk management techniques, performance budgeting, and accrual reporting and accounting. Not merely a handbook or manual describing practices in the field, the volume instead poses critical questions about innovations; the issues and challenges that have appeared along the way, including those associated with the global economic crisis; and how the ground can be prepared for the next generation of public financial management reforms.
Books Deals

Amazon Coupons
g: 1 Posted By: remick
Views: 97 Replies: 0 http://www.amazon.com/Cool-Japan-Japanese-Culture-Present-ebook/...

4.8 out of 5 stars (5 customer reviews)

Explore the heart of Japanese culture with this three-part travel guide. First, visit Kyoto, where you will discover 1,000 years of history from the ancient love story the Tale of Genji to the traditional tea ceremony. Then head to Tokyo to experience Japans cutting-edge capital, where the 21st-century kawaii culture collides with landmarks like the Kabuki-za Theater and the Imperial Palace. For a different perspective, venture outside the city to the seaside towns of Tohoku, the region largely affected by the 2011 tsunami disaster. Written by local expert Sumiki Kajiyama and illustrated in lively animation style, this book introduces readers to Japans national heroes and must-see places from a uniquely Japanese perspective. Informative, entertaining and useful, Cool Japan is an ideal introduction for any traveler looking for a deeper understanding of Japanese culture, past and present.

Newly released

Cool Japan is a new Japan guidebook came out for the first time in a totally new format. Written by a Japanese expert Sumiko Kajiyama, the book is consist of three parts; Tokyo, Kyoto and Tohoku. Each region is colorfully illustrated with tons of photos, and the Tohoku chapter, covering the areas largely affected by the 2011 tsunami disaster, is uniquely presented in-depth with tourist landmarks, regional culture and tips. The book approaches the destinations for the first-time travelers, those who look for cultural experience and even experienced travelers looking for surprises. Cool Japan has been published by Museyon Guides (ISBN 978-0-9846334-5-6).

Not an Ordinary Travel Guide to Japan

Visiting well-kept, centuries-old landmarks while enjoying super-modern technology and kitsch pop culturetraveling around Japan is like traveling through time. COOL JAPAN: A Guide to Tokyo, Kyoto, Tohoku and Japanese Culture Past and Present, written by Sumiko Kajiyama, delves into each era and issue from a unique perspective. The ancient city of Kyoto is viewed from the perspectives of popular Japanese heroes, including Hikaru Genji (the protagonist of Murasaki Shikubus eleventh-century novel, The Tale of Genji), Oda Nobunaga (a sixteenth-century warlord who introduced innovative cultural concepts and governing systems), and Sakamoto Ryoma (a reformer at the dawn of Japans modernization in the mid-nineteenth century). The Tokyo section of the guide, however, presents a contrast between the traditional and futuristic elements of the city. The book also features the Tohoku region, which is often disregarded in guidebooks for foreign tourists, although it is historically and culturally rich. The region is described with an emphasis on its ancient aristocratic culture, poetry, and folklore. With 470 color photos, 17 color maps, and more than 170 listings for tourist attractions, COOL JAPAN is a great travel guide, but it is also a wonderful introduction to Japanese history and culture.
Books Deals

Amazon Coupons
g: 0 Posted By: MrVietnam
Views: 8 Replies: 0 FREE Mller Yogurt
RECEIVE ONE (1) FREE Mller Corner or Greek Corner (5.3 oz.)

ONLY AVAILABLE FOR DOWNLOAD ON 3/7/2014Limit of one coupon per item. Digital coupons and paper coupons may not be combined on the purchase of a single item.

* For those that use Checkout 51, check your offers. I have an offer for 50 cents off any brand, any size yogurt, so this offer may turn in to a 50 cent MM for some.
Printable Coupon Deals
Free app for android - Atomus HD
Added on : Friday March 07th 2014 01:00:04 AM
g: 0 Posted By: remick
Views: 73 Replies: 0 http://www.amazon.com/gp/product/B00GRVV29E

4.5 out of 5 stars (50 customer reviews)

# Apple appstore Editor Choice Application
# Android martket Editor Choice Application

::: Description :::

Atomus is a kinetic interactive visualizer but also it is a work of art.

Atomus was designed for helping people who want to think more creatively or who need a change of pace.
However, I believe it could be a game/ toy/ party material/ interior design element for anyone who ever loved fireworks, whirlwinds, firefly lights, aurora, rainbow, wave, mobius strip, heart or atomic symbol. I have put something in the app which remind you of those and more , but it's intensely dynamic and also you are able to control all of those.
Totally Free Deals
g: 0 Posted By: bpvh
Views: 107 Replies: 0 Office Depot rebate software for the week of 03/09/2014 (QuickBooks Online Simple Start free after $90 rebate)


Will update with rebate information ... hopefully by the time this goes live on 03/09.


QuickBooks Online Simple Start
FREE After $10 Instant & $90 Mfr. Mail-In Savings
In Store Price $89.99
Valid 3/9/14 through 3/15/14
Item #233-786


====================

****ALERT ON McAfee REBATES****

McAfee haphazardly enforces a one per product limit on its rebates. It does not matter if the rebate has a different rebate number or offer period. The rebate invalidation message is "Your rebate request did not pass our audit process".

UPDATE:
--- While it appeared from several posts over the past year on FW and SD that McAfee was no longer enforcing the one rebate per product limit, it now appears that the "Your rebate request did not pass our audit process" invalidation has returned.
--- There is one poster on FW who had not submitted a McAfee rebate since falling victim to the Summer 2010 debacle until June 2012. The rebate submission was invalidated. After failing to get the rebate processor to valid the rebate, the poster was able to convince a McAfee representative to make good on the rebate. Not sure what to make of this but it is possible that at least some of those black listed during the Summer 2010 debacle are black listed for life.

====================

NOTES:

--- Link to Office Depot's rebate website: LINK
--- "FAR": free after rebate
--- "completely new rebates": the goal of my Office Depot rebate threads is that the rebates of any title listed in the "completely new rebates" category can be submitted without concern for past rebate submissions.
--- "standard rebate": all rebate proofs can be satisfied with the purchase of the title.
--- "upgrade rebate": at least one rebate proof requires providing a certain proof of owning a previous version of the product or a competitors' product.
--- "CONTINUING rebate": the rebate was not offered for the first time during this offer period. Please check your rebate submission history to determine whether you have submitted this rebate in the past.
--- "onbox" or "inbox" rebate: the rebate form or the information for submitting the rebate are found on or in the product box. If known, a link to a pdf version of the rebate or the pre-submission information for the rebate are provided.
--- "Instant Savings": When a rebate item includes an instant savings, it is possible that the price of the item will not be correctly reflected on the website until some time later.

====================
Software Deals

Office Depot Coupons
g: 8 Posted By: MISTERCHEAP
Views: 506 Replies: 0 GET COUPON DELIVERED TO YOUR SMARTPHONE:

Text UPANDUP to 827438

also hard copy of Q in Target ad starts 3/7

Coupon expires 3/15


Inc. Paper goods, OTC meds (exc those which require ID to purchase), Diapers, Wipes, Baby Supplies, Storage/Garbage Bags, etc
Baby Deals

Target Coupons
g: 4 Posted By: MISTERCHEAP
Views: 238 Replies: 0 GET COUPON DELIVERED TO YOUR SMARTPHONE:

Text UPANDUP to 827438

also hard copy of Q in Target ad starts 3/7

Coupon expires 3/15


Inc. Paper goods, OTC meds (exc those which require ID to purchase), Diapers, Wipes, Baby Supplies, Storage/Garbage Bags, etc
Baby Deals

Target Coupons
g: 4 Posted By: Canucklehead
Views: 709 Replies: 6 This telephoto zoom lens is designed with Canon's Optical Image Stabilizer technology while retaining compactness and lightness, in response to demands of photographers. This high zoom ratio lens is equivalent to a focal length of 88-400mm in the 35mm format (when used on Canon EOS cameras compatible with EF-S lenses), and the image stabilizer effect equivalent to a shutter speed about 4 stops faster than the same size lens without Image Stabilizer. In other words, if the slowest shutter speed you could formerly hold a 250mm lens steadily was 1/250th of a second, with Canon's 4-stop stabilization correction, you could hand-hold at shutter speeds as slow as 1/15th of a second. It also uses a UD-glass lens element to correct chromatic aberration for excellent image quality throughout the zoom range. This new EF-S telephoto lens with great features delivers excellent performance at an affordable price for all photographers.

Warranty is 1 year USA like new.

Add Tax (if applicable) and shipping was $5.

Was looking at the Shnoop deal, but it's an imported version, so likely no USA warranty.

http://shop.usa.canon.com/shop/en/catalog/lenses-flashes/refurbi...


For those looking for a little more reach and USM, other post here: http://www.fullofdeals.com/forums/hot-deals/1347624/
SLR & dSLR Deals

Canon Coupons
Budget Car rental experience in Orlando (MCO)
Added on : Thursday March 06th 2014 07:00:15 AM
g: 0 Posted By: jplee3
Views: 8 Replies: 0 Hi all

Wanted to get some advice as to what I should or can do in light of a bad car rental experience at MCO. Besides a horrendous wait time (almost 2 hours) in line, the agent who helped me basically tacked on SLI (Supplemental Liability Insurance), and when I inquired about this, she said it's mandatory/required in Florida... I just emailed Budget directly about this, as I thought it was a bit strange, and they told me it's definitely optional and not required or mandated in the state of Florida. The same agent also misinformed me about tolls in the area, stating there would be no tolls where we were headed. Again, she was wrong as we passed two tolls that we paid for (I was prepared to pay anyway).

In either case, we either got an agent dumber than a box of rocks or she was being extremely dishonest and 'upselling' us on SLI to potentially get some commission out of it.

At this point, is there anything I can or should do about it? Obviously I signed the contract and trusted her word about SLI (but the issue is that she was either greatly misinformed or dishonest... I'm leaning more towards dishonest though). Even after I read in some states SLI is mandated but generally if you have your own insurance you *should* be covered. One of those things where, if you don't happen to know off the top of your head at the moment, you're kinda stuck...

Any advice? I've already emailed Budget initially to inquire as to whether or not SLI is mandated, and got their reply - just replied back stating my displeasure at this level of service.
Car Rental Deals
Free Kindle Book: Guitar Adventures
Added on : Thursday March 06th 2014 06:00:12 AM
g: 2 Posted By: ThriftyNet
Views: 198 Replies: 0 Guitar Adventures
I missed this the last time it was free (several months ago). Put it in my wish list and it now shows as free again.
Appears highly rated. Might be worthwhile if you have a Kindle Fire (looks like it has videos). Haven't read it yet, but might help for those of us trying to learn.
Be sure to check that it's still free before you click buy!

Totally Free Deals
g: 0 Posted By: Deals4mykids
Views: 214 Replies: 0 Have a PayPal Extras MasterCard, and are you trying to spend out points that you've accumluated? eBay gift cards were just reduced, and appear to be the best deal.
$25 eBay Gift Card
Price had been: 3,300 Reward Points
Price Just Reduced to 2,500 Reward Points



If you don't have a PayPal Extras MasterCard, don't bother getting one. Not the best reward credit card, and poor customer service. Also, points expire after 24 months. Some of us started using this card when we were tempted by $$ off intro deals on eBay.

"Shop eBay for an expansive selection of Tech, Fashion, Jewelry, Collectibles, Home & Garden, Cars, Parts, Sporting Goods, Media & much more. As the worlds largest online marketplace, you can find and buy practically anything on eBay.

1. You must have an eBay account and PayPal account registered in the U.S. to redeem this Card. For security purposes, a credit card or bank account may be required.
2. Valid only for purchases on eBay where PayPal is accepted. Gift Cards cannot be redeemed for purchases through eBay Express. Additional ineligible sites may be added. Please click here for the most current list.
3. Not refundable or redeemable for cash. As a security feature of this Card, upon first use this Card becomes non-transferable and attaches to your PayPal account.
4. There is no expiration date or Card fees.
5. Protect 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 PayPal. A processing fee may apply.
6. Your use of this card indicates your agreement to be bound by these terms and conditions and those found here.
7. This Card is not a credit, debit, or charge card. No implied warranties attach to it. 8. Use of the eBay and PayPal services is subject to each companys respective User Agreement. Card users must be 18 years of age or older.
9. Invalid or unidentifiable Card numbers will not be redeemed. Allow up to four (4) hours from time of purchase for PayPals systems to recognize and accept this Card.
10. This Card may not be used to pay eBay or PayPal service fees.
11. No more than a total of $500 in Gift Cards may be used per eBay purchase. Further, unverified PayPal accounts are limited to a total of $500 in Gift Card purchases in any 30-day period and verified PayPal accounts are limited to $5,000 in gift card purchases in any 180-day period.
12. This Card is issued by PayPal Gift Card Services, Inc. which reserves the right to change the terms of gift card program at any time or to contract with a third party to administer this program.
13. Assignment Waiver: We may assign this Agreement at any time without notice to you. However, if we assign this Agreement, the terms of this Agreement will remain substantially and materially the same unless you are notified.
14. Arbitration: For any claim against eBay Inc. or PayPal Inc. for less than $10,000, the party seeking redress may elect to resolve the dispute through binding non-appearance based arbitration. In the event a party elects arbitration, they shall initiate such arbitration through an established alternative dispute resolution ("ADR") provider mutually agreed upon by the parties. The ADR provider and the parties must comply with the following rules: a) the arbitration shall be conducted by telephone, online and/or be solely based on written submissions, the specific manner shall be chosen by the party initiating the arbitration; b) the arbitration shall not involve any personal appearance by the parties or witnesses unless otherwise mutually agreed by the parties; and c) any judgment on the award rendered by the arbitrator may be entered in any court of competent jurisdiction.
15. Applicable Law: This agreement is governed by the laws of the State of California, USA, excluding choice of law principles.
16. No Warranty of Availability or Uninterrupted Use: From time to time the Gift Card system may be inoperative, and when this happens, you may be unable to obtain information about the balance on your Card and Card transactions, or use your Card to pay for purchases. Please notify us if you have any problems using your Card. You agree that we are not responsible for any interruption of service.
17. No Warranty Regarding Goods and Services: We are not responsible for the quality, safety, legality, or any other aspect of any goods or services purchased by you with your Card."
Credit Deals
Gap Outlet 40% off 3/8 & 3/9. Includes clearence items
Added on : Wednesday March 05th 2014 05:00:03 PM
g: 0 Posted By: Deals4mykids
Views: 79 Replies: 0 For those with a store nearby... Gap Outlet is offering 40%, including clearance from 3/8 through 3/9.


http://view.email.gap.com/?siteID=GO1225267&ap=2&tid=GOAF160&j=f...

-----
40% off purchase: Offer valid from 3/8/14 through 3/9/14 at Gap Outlet, Gap Outlet Kids & Baby, or Gap Factory Store in the U.S. (including Puerto Rico) and Canada only. Not valid at Gap, online, or in our clearance center. Discount is allocated across items. Discount applies to merchandise only, not to GiftCards. Coupon is good for one time use and must be surrendered at time of purchase. Limit one coupon per customer per transaction. Not responsible for lost or stolen coupons. No adjustments on previous purchases. Cannot be combined with other offers or coupons, including Gap Inc. employee discount. Cashiers use coupon code: FLASH
Clothing Deals

Gap Coupons
g: 0 Posted By: Deals4mykids
Views: 0 Replies: 0 Have a PayPal Extras MasterCard, and are you trying to spend out points that you've accumluated? eBay gift cards were just reduced, and appear to be the best deal.
$25 eBay Gift Card
Price had been: 3,300 Reward Points
Price Just Reduced to 2,500 Reward Points



If you don't have a PayPal Extras MasterCard, don't bother getting one. Not the best reward credit card, and poor customer service. Also, points expire after 24 months. Some of us started using this card when we were tempted by $$ off intro deals on eBay.

"Shop eBay for an expansive selection of Tech, Fashion, Jewelry, Collectibles, Home & Garden, Cars, Parts, Sporting Goods, Media & much more. As the worlds largest online marketplace, you can find and buy practically anything on eBay.

1. You must have an eBay account and PayPal account registered in the U.S. to redeem this Card. For security purposes, a credit card or bank account may be required.
2. Valid only for purchases on eBay where PayPal is accepted. Gift Cards cannot be redeemed for purchases through eBay Express. Additional ineligible sites may be added. Please click here for the most current list.
3. Not refundable or redeemable for cash. As a security feature of this Card, upon first use this Card becomes non-transferable and attaches to your PayPal account.
4. There is no expiration date or Card fees.
5. Protect 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 PayPal. A processing fee may apply.
6. Your use of this card indicates your agreement to be bound by these terms and conditions and those found here.
7. This Card is not a credit, debit, or charge card. No implied warranties attach to it. 8. Use of the eBay and PayPal services is subject to each companys respective User Agreement. Card users must be 18 years of age or older.
9. Invalid or unidentifiable Card numbers will not be redeemed. Allow up to four (4) hours from time of purchase for PayPals systems to recognize and accept this Card.
10. This Card may not be used to pay eBay or PayPal service fees.
11. No more than a total of $500 in Gift Cards may be used per eBay purchase. Further, unverified PayPal accounts are limited to a total of $500 in Gift Card purchases in any 30-day period and verified PayPal accounts are limited to $5,000 in gift card purchases in any 180-day period.
12. This Card is issued by PayPal Gift Card Services, Inc. which reserves the right to change the terms of gift card program at any time or to contract with a third party to administer this program.
13. Assignment Waiver: We may assign this Agreement at any time without notice to you. However, if we assign this Agreement, the terms of this Agreement will remain substantially and materially the same unless you are notified.
14. Arbitration: For any claim against eBay Inc. or PayPal Inc. for less than $10,000, the party seeking redress may elect to resolve the dispute through binding non-appearance based arbitration. In the event a party elects arbitration, they shall initiate such arbitration through an established alternative dispute resolution ("ADR") provider mutually agreed upon by the parties. The ADR provider and the parties must comply with the following rules: a) the arbitration shall be conducted by telephone, online and/or be solely based on written submissions, the specific manner shall be chosen by the party initiating the arbitration; b) the arbitration shall not involve any personal appearance by the parties or witnesses unless otherwise mutually agreed by the parties; and c) any judgment on the award rendered by the arbitrator may be entered in any court of competent jurisdiction.
15. Applicable Law: This agreement is governed by the laws of the State of California, USA, excluding choice of law principles.
16. No Warranty of Availability or Uninterrupted Use: From time to time the Gift Card system may be inoperative, and when this happens, you may be unable to obtain information about the balance on your Card and Card transactions, or use your Card to pay for purchases. Please notify us if you have any problems using your Card. You agree that we are not responsible for any interruption of service.
17. No Warranty Regarding Goods and Services: We are not responsible for the quality, safety, legality, or any other aspect of any goods or services purchased by you with your Card."
Paradox Rain Suits $20/25 @ Costco B&M
Added on : Wednesday March 05th 2014 10:00:03 AM
g: 0 Posted By: bulldingo
Views: 31 Replies: 0 Found these at the drought-stricken Richmond, California (northern CA) Costco.

Men's are $20 & women's are $25, formerly $40. The men's has an exposed zipper. Men's & women's don't use a minimum amount of fabric panels, so there are more seams than necessary. I'm guessing these wouldn't be good for people who work all day in the rain. Yachting & the occasional poor-weather, outdoor cocktail party.

http://www.paradoxoutdoor.com/mum0019-2769.html

Photos attached.

As always, for those of you who constantly whine about imperfect posts: man up or call mommy.

Free R/C Airplane Plans
Added on : Wednesday March 05th 2014 05:00:18 AM
g: 0 Posted By: TuppGal
Views: 201 Replies: 0 Get Free R/C Airplane plans, all types available without a cost. These are for those who like to build their own RC planes, from jets to military, even foam planes.
Totally Free Deals
any way for my sister to pay bills without losing benefits?
Added on : Tuesday March 04th 2014 07:00:11 PM
g: 0 Posted By: IStillPickUpPennies
Views: 123 Replies: 3 My sister was diagnosed with cancer a few months back. She worked at a call center for almost a decade. There was lousy insurance there, and no job security at all. (you could be fired if your typing speed dropped just a little, etc.)

Her doctors told her that she needed major surgery to remove the cancer, and that because of her weight and other health issues it would likely take quite a number of months to recover.

Although she explained to her bosses that she was diagnosed with cancer, and that she would need a number of months to recover after surgery, she was then fired from her job. It has now been more than 4 months, and she is still in an assisted care
facility, after being released, getting a major infection, and having to be readmitted to the hospital.

She has gotten a lot of financial help from various friends and family for the surgery, bills and other basic living expenses. She also finally signed up for unemployment, food stamps, etc., so that she can get some help
before getting back on her feet and finding a new job.

Trouble is, she has been told that she can't have more than $100 in her accounts, or she risks losing the benefits. When she gets a check from friends, she has had my Mom running back and forth to the bank, cashing the check, and then depositing small amounts under $100 to my sister's checking account so that she can write multiple, small checks to pay her bills.

My sister does not have Internet or a smartphone which might help simplify matters by allowing her to pay bills herself or something along those lines. She currently has a laptop and internet connection at the hospital, but says she would not use any sort of online system, due to not trusting computers with her personal information. Now my parents are down in Florida for a while, and it looks like my sister expects me to run back and forth to the ATM for her, so that she can continue to try to mail out multiple, small checks to pay her bills.

There has GOT to be a more efficient way to go about this, but the only thing I was able to think of was American Express Travelers Checks. Up until about 6 years ago, we always used them when we went on vacations. I was able to get them for free at our credit union. I was thinking perhaps I could get my sister a bunch of $100, $50 and $25 travelers checks when she wants me to cash a check, which she could then mail out to pay bills, and they wouldn't even show up on her account balances when they do an audit to determine her benefits. Trouble is, our credit union stopped selling them, which means I would probably have to drive to a bank and incur fees & such.

Can anyone think of a simpler way for her to pay her bills in a check-like fashion (mailing out some form of payment) without having to first deposit the money into her accounts? I am not really coming up with any good solutions for this, so I'd appreciate suggestions. Thanks so much for any helpful ideas you might have to try.
Personal Finance Deals
ThePopcornFactory.com $5 St. Paddy's Day Card
Added on : Tuesday March 04th 2014 06:00:03 PM
g: 0 Posted By: DaysFan
Views: 214 Replies: 0 $5 St. Paddy's Day Card
http://www.thepopcornfactory.com/st-paddys-day-card-tpf-64753
linked


Make someone's St. Paddy's Day happy and delightful with our St. Patrick's Day Popcorn Card. Filled with our lucky and delicious, gourmet Green Butter Popcorn, it will keep those Irish eyes smiling long past the holiday. And at only $5 delivered, it's a mouthwatering way to wish everyone you know a Happy St. Paddy's Day!

[size=125]Get [/size][size=125]FREE GROUND SHIPPING[/size][size=125] on this item with promo code [/size][size=125]STPATCARD[/size][size=125].[/size]

[size=75]*Website Exclusive! Free Ground Shipping applies to standard ground shipping to the 48 contiguous states only and is not available for PO Box, APO, Hawaii or Alaska destinations[/size]
Food Deals

The Popcorn Factory Coupons
2012 Nexus 7 $159.99 @ BB
Added on : Tuesday March 04th 2014 05:00:07 PM
g: 0 Posted By: bettle
Views: 117 Replies: 0 This is via Androidpit,the original Nexus 7 from 2012 is on sale at BestBuyfor $159.99. This has 32 GB of storage and is upgradable to Android 4.2.2. It's the cheapest new Nexus 7 that I've found in the Hot Deals forums.

New 2013 era Nexus 7's go for $250+, but have better resolution, here's an overview of the differences:
http://www.androidauthority.com/nexus-7-2013-vs-nexus-7-2012-new...

To quote Androidpit, the reason to get this is:
The original Nexus may not have specs to rival any of the other low cost tablets in this size and price range available right now but none of them have the latest version of Android ready to go and none of those are packing 32 GB of internal storage either.







Cell Phones Deals

Best Buy Coupons
$79.99 prepaid T-mobile version LG Optimus F3 @ Target B&M
Added on : Tuesday March 04th 2014 03:00:07 PM
g: 0 Posted By: timekeeper
Views: 208 Replies: 0 $79.99 prepaid T-Mobile version LG Optimus F3 @ Target B&MBrightspot Box, T-Mobile version LG F3 LG P659

Same Snapdragon MSM8390 Processor as:
LG F6, Huawei Vitria, HTC First, Samsung S4 Mini and etc.

Phone work with T-Mobile and its MVNO out of box, no unlock required.
4" IPS (For those who need something small, light-weight, not look lumpy in their pocket )

Pro: Very light, long lasting battery, powerful, small foot print for 4"
Con: No auto-brightness, no app2SD.


Note: Huawei Vitria $50, still better deal. But, for those who does not want to deal with phone unlocking.
Cell Phones Deals

Target Coupons
g: 0 Posted By: remick
Views: 76 Replies: 0 Planes, Trains & Automobiles: A Fascinating Book Containing Facts, Trivia, Images & Memory Recall Quiz: Suitable for Adults & Children
http://www.amazon.com/Planes-Trains-Automobiles-Fascinating-Cont...

Hi and a very warm welcome to my "Planes, Trains & Automobiles" Bundle. A Fascinating Collection of Books, each providing Amazing Facts, Awesome Trivia, Stunning Images & A Fun Memory Recall Quiz: Suitable for Both Adults &
Children.

I'm one of those people who loves to hear about extraordinary facts or trivia about anything. They seem to be one of the few things my memory can actually recall. I'm not sure if it's to do with the shock or the "WoW" factor but for some reason my
brain seems to store it for a later date.

I've always been a great believer in that whatever the subject, if a good teacher can inspire you and hold your attention, then you'll learn! Now I'm not a teacher but the system I've used in previous publications on Kindle seems to work well, particularly with children.

This "Bundle" edition, featuring three of my books, includes a selection of those "WoW" facts combined with some pretty awesome pictures, if I say so myself! At the end of each book there is a short "True or False" quiz to check memory recall
and to help cement some of the information included in each book. Don't worry though, it's a bit of fun but at the same time, it helps to check understanding.

If you are an expert on these subjects then it's unlikely you will find anything new here but if, like me, you enjoy learning unusual facts with interesting pictures then I hope you'll love it.
Totally Free Deals
g: 0 Posted By: bittul
Views: 162 Replies: 0 www.amazon.com/b/?node=8156231011

Stacks nicely on top of S&S discounts. The $25 calculates from the "original" price. ($5 off will only work if $25 is reached in a single order, so go the S&S route only if you want multiples of the same product)

Also, note this coupon for $3 off select deodorants (so, if you're getting one of those, you're in essence getting $5 off $22).
www.amazon.com/gp/coupon/-3-off-select-deodorants/A366QCD100UYDI
Beauty Deals

Amazon Coupons
Free Kindle Book - 3250 Questions to Ask Before Marriage
Added on : Tuesday March 04th 2014 07:00:10 AM
g: 0 Posted By: remick
Views: 166 Replies: 0 http://www.amazon.com/3250-Questions-Ask-Before-Marriage-ebook/d...

"3250 Questions to Ask Before Marriage" is an essential guide for couples who are dating, engaged or getting married.

With an estimated 40% of all marriages ending in divorce, couples need to be sure they really know the person they are marrying and are well prepared to enter marriage as a lifetime commitment.

These pre marriage questions and fun relationship questions let couples really get to know one another. Couples can pick out subject areas where they believe they have the most conflict and ask each other those questions. When couples can ask each other questions and listen to each other actively, honestly, and openly, they gain insight into their partner's beliefs, values, goals, likes, and dislikes.

Couples who are able to openly, honestly and lovingly communicate with each other are the couples whose marriages have the best chance of success.

This book has questions on subjects that include work, money, sexuality, personality, education, health, children, religion, the past, entertainment, and much more.

The author also includes a bonus section of questions that include questions to ask your pastor, questions to ask his mother and his ex, questions for her dad to ask her partner, questions for men to ask themselves, and more.

When couples are able to explore intimacy with their partner, explore their own and their partner's thoughts and feelings, and understand their partner and themselves, they have a much higher chance of entering into a successful marriage that will last.
Totally Free Deals
g: 0 Posted By: remick
Views: 1 Replies: 0 Holy Fire: A Balanced, Biblical Look at the Holy Spirit's Work in Our Lives (was $15.99)
http://www.amazon.com/Holy-Fire-Balanced-Biblical-Spirits-ebook/...

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

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


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

4.6 out of 5 stars (101 customer reviews)

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


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

4.5 out of 5 stars (88 customer reviews)

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


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

4.8 out of 5 stars (84 customer reviews)

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


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

4.5 out of 5 stars (51 customer reviews)

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


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

5.0 out of 5 stars (27 customer reviews)

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


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

4.6 out of 5 stars (11 customer reviews)

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


Free Ebooks 3-4-14
Added on : Tuesday March 04th 2014 05:00:16 AM
g: 0 Posted By: jhall1822
Views: 134 Replies: 0 Note: I did not find these books myself, they are from FreeEbooksToday.com

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

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

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

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

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

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

Finally Fix Your Credit: An Insider's Secrets to Getting the Credit Score You Need
Rating - 5 (7 reviews)The three authors of this book had one goal for writing this book. They want you to FINALLY fix your credit. You will learn the basics of the credit reporting industry. Then they want to tell you an easy to execute plan on how to fix your credit. The authors have decades of experience fixing credit and helping people live the life they desire that requires great credit.This is the most up to date information available. When deciding which book to purchase, consider the publication date. The industry has significantly changed in the last few years, why use a plan from 2010?This information is current as of 2014.Here are the Benefits found in this book:
-Finally fix your credit!
-Give you simple templates so you can send effective dispute letters.
-Show you new techniques used by credit pros in 2014 Now you are the pro!
-Educate you on the credit industry.
-This book is concise. We want to tell you want you need to fix your credit. We wanted to do this in about 100 pages. Anything else would be fluff you dont need and waste your time.
Totally Free Deals
g: 2 Posted By: remick
Views: 193 Replies: 0 http://www.amazon.com/Detailed-Instructions-Gunsmith-At-Home-ebo...

If you are looking to keep your firearms in mint condition and want to do it at home then this book is for you. It offers instructions on what tools to use, how to use those tools and what they can do for you and your firearm. It also covers how to use tapping and die covering threads as well as steps on cold blueing your weapons. Everything you need to know on how to improve your firearm is right here in this book.
Totally Free Deals
g: 0 Posted By: CheapToGo
Views: 725 Replies: 2 OfficeMax has the Logitech Marathon M705 Laser Mouse for $19.99. No coupon needed. Expires 3/8/14.

I bought mine in store. I'm using it right now. Very comfortable to the hand due to the ergonomics design. Very curvy mouse to fit your hand properly.
Mouse clicks seem responsive and scroll wheels have two features: no clicking scroll and clicking scroll. Pretty neat feature for those with spreadsheets or WORD documents or websites.
Check out other mice with same price. Supposedly the M705 is the most expensive of the others.Other models at $19.99

OfficeMax product page...

Keyboard & Mouse Deals

OfficeMax Coupons
g: 46 Posted By: remick
Views: 2599 Replies: 10 http://www.amazon.com/Modern-Mixologist-Contemporary-Classic-Coc...

4.5 out of 5 stars (33 customer reviews)

Over the course of the past two decades, Tony Abou-Ganim has earned his reputation as one of the leaders in the craft cocktail movement. Through his work with food and hospitality legends like Mario Batali, Steve Wynn, and Harry Denton, Abou-Ganim has earned his reputation as "the Modern Mixologist," someone bringing the traditional art of mixology into the 21st century. Now, in The Modern Mixologist, Abou-Ganim has established the new standard in cocktail books a must-have guide to home mixology in a beautiful, coffee-tablesuitable format. Featuring gorgeous full-color photography throughout by the award-winning Tim Turner, this book instantly becomes the most beautiful guide to creating cocktails available anywhere. If you carry one high-end cocktail book, this is it sure to be a terrific gift item all year round.

Tony Abou-Ganim grew up in the bar business, learning the craft from his cousin Helen David at the Brass Rail Bar in Port Huron, Michigan, before going on to develop the cocktail programmes of numerous restaurants in San Francisco (working with Harry Denton) and New York (working with Mario Batali) and at the Bellagio Hotel in Las Vegas. He operates his own beverage consulting firm specialising in bar staff training, product education, and cocktail development, and also serves as the national ambassador of the US Bartenders Guild.



Vodka Distilled: The Modern Mixologist on Vodka and Vodka Cocktails
http://www.amazon.com/Vodka-Distilled-Modern-Mixologist-Cocktail...

4.8 out of 5 stars (4 customer reviews)

On the heels of the success of The Modern Mixologist: Contemporary Classic Cocktails, Tony Abou-Ganim has written Vodka Distilled as a companion piece focusing entirely on this clear spirit. It is a comprehensive look at the vodka marketplace, geared toward those working in the profession as well as the giant audience of vodka drinkers. This one-of-a-kind resource establishs a new standard in defining and understanding the world's most consumed spirit.

Vodka Distilled appeal to both enthusiasts and aficionados by explaining how traditional-style vodkasthose produced in Eastern Europediffer in character from those made in the West, and how different raw materials and distillation and filtration methods contribute to these variations in character. By breaking down the characteristics of each highlighted vodka, Abou-Ganim helps readers better understand, appreciate, and enjoy this noble spirit.



also free

Whiskey in a Jar: History and Cocktails For the Connoisseur
http://www.amazon.com/Whiskey-Jar-History-Cocktails-Connoisseur-...

In this book you will learn how whisky is made and the laws that govern it's creation. You will learn its history from the 12th Century to today. Most importantly though, you will have over 150 different recipes at your fingertips. I'm not talking about telling you how to make a Jack and Coke; These are some of the most interesting (and sometimes hilarious) recipes from bartenders around the world. By the time you've finished this book you will be an expert on the manliest of all the spirits.


The Ideal Bartender
http://www.amazon.com/Ideal-Bartender-Tom-Bullock-ebook/dp/B0084...


New on 3/4

Bartending Guide:How To Be a Professional Bartender and Comprehensive guide of hundreds of vintage and modern cocktails, shots, martinis and other ... Cocktails and Mixed Drinks, Bartending
http://www.amazon.com/Bartending-Guide-Professional-Bartender-Co...

This up-to-date, practical, and easy-to-use guide presents recipes for hundreds of cocktails and mixed drinks, plus step-by-step directions for making virtually every popular mixed drink, the book includes full coverage of all the basics of bartending, including equipment, ingredients, techniques, glassware, and garnishes.

Here Is A Preview Of What You'll Learn...

Popular Cocktails
Great Tasting Martinis
Shots and Bombs
Frozen Cocktails and Hot Drinks
Punch Bowl and Party Drinks
Proper Glassware

...And much, much more!

Interesting bits about cocktails, and also interesting cocktail recipes. Even the ones that are classic cocktails you've heard of have a little bit of a tweak here and there, in ways that make me want to give them another try. Seems like if you make a batch or three of the cocktails recipes, you'd get a handle on it enough to concoct your own, which is also cool. Every bartender should have this book.


Books Deals

Amazon Coupons
g: 0 Posted By: CheapToGo
Views: 202 Replies: 0 OfficeMax has the Logitech Marathon M705 BlueTooth Laser Mouse for $19.99. No coupon needed. Expires 3/8/14.

I bought mine in store. I'm using it right now. Very comfortable to the hand due to the ergonomics design. Very curvy mouse to fit your hand properly.
Mouse clicks seem responsive and scroll wheels have two features: no clicking scroll and clicking scroll. Pretty neat feature for those with spreadsheets or WORD documents or websites.
Check out other mice with same price. Supposedly the M705 is the most expensive of the others.Other models at $19.99

OfficeMax product page...

Keyboard & Mouse Deals

OfficeMax Coupons
Would you take this job offer?
Added on : Monday March 03rd 2014 03:00:10 PM
g: 0 Posted By: t0pher
Views: 261 Replies: 9 Disclosure: I don't have an offer yet but I want to get some feedback in the event that I do get one this week.

Current Job

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

New Job

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


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

I've never used an offer to negotiate a higher salary at a current job. I'm willing to try it but I don't want to have my boss thinking that I'm a flight risk if I end up staying. I'm thinking if I get an offer I will present it to my boss in the most non-threatening way possible. What do you guys think?
Personal Finance Deals
OFFER OVER Free Kindle Book- How to Communicate with Confidence
Added on : Monday March 03rd 2014 02:00:12 PM
g: 7 Posted By: remick
Views: 1333 Replies: 0 http://www.amazon.com/How-Communicate-Confidence-Mike-Bechtle-eb...

Communication is an art, and anyone--whether shy or outgoing--can improve his or her conversational skills. How to Communicate with Confidence is a straightforward guide to making good conversation that works in any situation--and works for any personality type. Highlighting the art of give and take and stressing the importance of listening, this book gives confidence to those who hesitate to strike up a conversation. Author Mike Bechtle shows readers that they don't have to have a stockpile of great stories to tell in order to make good conversation. Instead, he encourages an "explorer" mind-set and gives readers the tools they need to talk to anyone, anytime, anywhere.

Mike Bechtle (EdD, Arizona State University) is the author of People Can't Drive You Crazy if You Don't Give Them the Keys. His articles have appeared in publications such as Writer's Digest, Pastors.com, and Entrepreneur.
Books & Magazines Deals
KMART - Midwest 5 Gallon Gas Can $12.99 or Less in Store Pickup
Added on : Monday March 03rd 2014 05:00:12 AM
g: 0 Posted By: Wizard83
Views: 108 Replies: 0 K-Mart has the Midwest 5 Gallon Red Gas Can on Sale for $12.99. These are regular $18.49 and I think are a good 5 gallon plastic gas can.

Midwest Gas Can

I have a couple of these already I bought when K-Mart had them for $9.99 back in the summer. I would suggest looking on e-bayand addingsome plan screw on caps and pop open air vents. Makes it easier to transport and the vent allows forquicker filling of your vehicle while holding up the 5-gallon can.

If you are playing the Kroger Fuel game, these are handy to make sure you get the maximum 35 gallons at the discounted price. My vehicle won't hold the full 35 gallons so I fill up 5-gallon containers for the balance.

I ordered 4ea along with the Pyrex Measuring cup deal posted elsewhere for in store pickup.

There is a $5 off $45+ coupon on the Merchant Page along with a $10 in Shop Your Way Point on your next order if you spend $50. Also don't forget 3% FatWallet Cash Back.

4x $12.99 =$51.96 - $5 Coupon - $1.41 3% Cash Back - $10 SYWR = $35.55 + tax or $8.89 each Net
To be Fair I was going to order the Pyrex Measuring Cups $3.15 & $3.75 Anyway so those may have pushed me over the needed $55 threshold for both coupons.

Cheers
Home & Garden Deals

Kmart.com Coupons
g: 0 Posted By: remick
Views: 93 Replies: 0 http://www.amazon.com/Modern-Mixologist-Contemporary-Classic-Coc...

4.5 out of 5 stars (33 customer reviews)

Over the course of the past two decades, Tony Abou-Ganim has earned his reputation as one of the leaders in the craft cocktail movement. Through his work with food and hospitality legends like Mario Batali, Steve Wynn, and Harry Denton, Abou-Ganim has earned his reputation as "the Modern Mixologist," someone bringing the traditional art of mixology into the 21st century. Now, in The Modern Mixologist, Abou-Ganim has established the new standard in cocktail books a must-have guide to home mixology in a beautiful, coffee-tablesuitable format. Featuring gorgeous full-color photography throughout by the award-winning Tim Turner, this book instantly becomes the most beautiful guide to creating cocktails available anywhere. If you carry one high-end cocktail book, this is it sure to be a terrific gift item all year round.

Tony Abou-Ganim grew up in the bar business, learning the craft from his cousin Helen David at the Brass Rail Bar in Port Huron, Michigan, before going on to develop the cocktail programmes of numerous restaurants in San Francisco (working with Harry Denton) and New York (working with Mario Batali) and at the Bellagio Hotel in Las Vegas. He operates his own beverage consulting firm specialising in bar staff training, product education, and cocktail development, and also serves as the national ambassador of the US Bartenders Guild.



Vodka Distilled: The Modern Mixologist on Vodka and Vodka Cocktails
http://www.amazon.com/Vodka-Distilled-Modern-Mixologist-Cocktail...

4.8 out of 5 stars (4 customer reviews)

On the heels of the success of The Modern Mixologist: Contemporary Classic Cocktails, Tony Abou-Ganim has written Vodka Distilled as a companion piece focusing entirely on this clear spirit. It is a comprehensive look at the vodka marketplace, geared toward those working in the profession as well as the giant audience of vodka drinkers. This one-of-a-kind resource establishs a new standard in defining and understanding the world's most consumed spirit.

Vodka Distilled appeal to both enthusiasts and aficionados by explaining how traditional-style vodkasthose produced in Eastern Europediffer in character from those made in the West, and how different raw materials and distillation and filtration methods contribute to these variations in character. By breaking down the characteristics of each highlighted vodka, Abou-Ganim helps readers better understand, appreciate, and enjoy this noble spirit.



also free

Cocktails: A Beginners Guide to Making Classic and Contemporary Cocktails at Home
http://www.amazon.com/Cocktails-Beginners-Making-Classic-Contemp...

Learn how to make 100 classic and contemporary cocktails. All the recipes have been simplified by professional mixologists and bartenders so that anyone can make them with ease.

If youve ever wanted to learn how to make amazing cocktails but have been overwhelmed by the complexity involved then this book is perfect for you. If youve seen bartenders making cocktails and thought I could never do that then this book is for you. If youve ever wanted to impress a date but didnt know how to make a simple cocktail then this book is for you.

I interviewed over 20 professional mixologists and had them strip away the complexity of making cocktails and the skills it involves. This book is the result of these interviews and gives you everything you need to know about making cocktails.
Free Kindle Book- How to Communicate with Confidence
Added on : Sunday March 02nd 2014 01:00:06 AM
g: 0 Posted By: remick
Views: 56 Replies: 0 http://www.amazon.com/How-Communicate-Confidence-Mike-Bechtle-eb...

Communication is an art, and anyone--whether shy or outgoing--can improve his or her conversational skills. How to Communicate with Confidence is a straightforward guide to making good conversation that works in any situation--and works for any personality type. Highlighting the art of give and take and stressing the importance of listening, this book gives confidence to those who hesitate to strike up a conversation. Author Mike Bechtle shows readers that they don't have to have a stockpile of great stories to tell in order to make good conversation. Instead, he encourages an "explorer" mind-set and gives readers the tools they need to talk to anyone, anytime, anywhere.

Mike Bechtle (EdD, Arizona State University) is the author of People Can't Drive You Crazy if You Don't Give Them the Keys. His articles have appeared in publications such as Writer's Digest, Pastors.com, and Entrepreneur.
Books & Magazines Deals
g: 0 Posted By: remick
Views: 119 Replies: 0 http://www.amazon.com/Understanding-Your-Bible-Minutes-Day-ebook...

4.6 out of 5 stars (5 customer reviews)

The Bible can be overwhelming. For those unfamiliar with this huge and ancient book, it's hard to even know where to begin. These short, digestible readings answer questions about where the Bible came from, what it's about, and why it matters. Daryl Aaron blends the knowledge of a college professor with the friendly, welcoming tone of a pastor. Broken into forty small chapters, this book is perfect for those who want quick and clear answers to their questions.
Books Deals

Amazon Coupons
g: 0 Posted By: Logan71
Views: 119 Replies: 0 I won't go into detail on this very popular CCW choice, but the description is below for those new to this handgun.

Whats in the Box
M&P Pistol
Crimson Trace LG-661 Laser Grip
(2) Magazines
(3) Interchangeable Palmswell Grip Sizes
Crimson Trace Handbook, Adjustment Tools, Cleaning Swabs and (2) Lithium Batteries
Cable Lock
Spent Casing
Owners Manual

Link
Guns & Ammo Deals
IP Cam Soft for Android .99 - Normally 3.99
Added on : Saturday March 01st 2014 01:00:04 PM
g: 1 Posted By: thevshopper
Views: 255 Replies: 1 For those who has IP cameras. It is a great program and I got it when it was on sale for .99 (FP posting last year) .

https://play.google.com/store/apps/details?id=ipcamsoft.com.ipca...
Apps Deals
g: 0 Posted By: remick
Views: 456 Replies: 0 http://www.amazon.com/How-Gospel-Brings-All-Home-ebook/dp/B0062X...

4.5 out of 5 stars (17 customer reviews)

In How the Gospel Brings Us All the Way Home, Dr. Derek W. H. Thomas explores Romans 8, which he calls the best chapter in the Bible. Here he finds an exposition of the steps through which God leads His people in the process of their salvation, but also loving counsel on such topics as prayer and resisting the Devil, as well as exhortations and comforts for weary pilgrims. Dr. Thomas begins at Romans 8:1 with the best news imaginable believers just and deserved condemnation before God has been taken away by Jesus Christ s work on the cross. He then contrasts earthly minded and spiritually minded people, showing that only those who are spiritually minded know life.
In Romans 8:29 30, he explores several steps in the process of salvation foreknowledge, predestination, calling, justification, and, finally, glorification which show God s invincible purpose in redemption. Finally, he unfolds the powerful promise of the final few verses of Romans 8 nothing can separate those God has redeemed from His saving love. How the Gospel Brings Us All the Way Home is a powerful exploration of the manifold gifts the heavenly Father has lavished upon His people and a preview of the greater inheritance that lies ahead.



Devotions for Lent (Ebook Shorts): Meditations Based on Best-Loved Hymns
http://www.amazon.com/Devotions-Lent-Ebook-Shorts-Meditations-eb...

4.4 out of 5 stars (37 customer reviews)



Manipulative People: A Step-by-Step Christian Plan for Dealing With Liars and Controlling People
http://www.amazon.com/Manipulative-People-Step---Step-Controllin...

4.8 out of 5 stars (5 customer reviews)
Books Deals

Amazon Coupons
$250 Bonus for opening a First Niagara Checking account
Added on : Saturday March 01st 2014 06:00:13 AM
g: 0 Posted By: Sashinator00
Views: 83 Replies: 1 link to Offer

First Niagara has a new promotion for those who open a new checking account and follow the requirements listed below. The fine print says that you can open either a choice, pinnacle, or pinnaclePlus but can't be the primary owner on another checking account.

How to get your $250 cash bonus**It's as easy as using your Pinnacle or PinnaclePlus Checking account. You can earn the $250 when you complete all three of the following within the first 60 days of opening your account.

Make a direct deposit totaling $250 or more.
Make ten debit card purchases.
Make five bill payments using Online/Mobile Banking.

Complete AnyOne: Earn$50total
Complete AnyTwo: Earn$100total
Complete AllThree: Earn$250total

**To qualify for a cash bonus, a new Choice, Pinnacle or PinnaclePlus checking account must be opened online through FirstNiagara.com.Criteria:Within 60 days of account opening you must complete at least one of the following with your new First Niagara account: direct deposits totaling $250 or more, or five (5) bill payments using Online/Mobile Banking, or ten (10) debit card purchases.Payment:$50 cash bonus for 1st completed criteria, additional $50 cash bonus for 2nd completed criteria, additional $150 cash bonus for 3rd completed criteria. Total cash bonus is up to $250.Timing:Applicable cash bonus will be deposited into your new checking account within 30 days from end of the month in which you satisfy offer criteria. Applicable bonus payments may be paid as one lump sum or as individual payments. Checking account must be open and maintain a positive balance in order to obtain the applicable cash bonus. Account must remain open for 180 days to avoid a $25 Early Account Closing fee.Cannot be combined with any other promotional rate or reward/bonus programs. Primary owner on the account cannot be primary owner on another First Niagara checking account. Not available to Trust or Estate accounts. All accounts subject to approval and applicable fees. Bank employees and members of their household are not eligible for this promotion. Bonus is considered interest income and may be reported on IRS 1099-INT. Promotion runs through 3/29/2014 and can be withdrawn at any time.Minimum opening deposit is $50 for Choice and Pinnacle checking and $500 for PinnaclePlus. Pinnacle checking is an interest-bearing account. Interest-bearing accounts are variable rate accounts, which means we may change rates at any time. Interest Rates will not be tied to any index but will be set by us at our discretion. There is no limitation on the amount by which Interest Rates may change. As of 2/1/14, Pinnacle and PinnaclePlus accounts earn an Annual Percentage Yield (APY) of 0.01% for all balances. Fees may reduce earnings on interest-bearing accounts.
Personal Finance Deals
g: 0 Posted By: remick
Views: 206 Replies: 0 http://www.amazon.com/How-Gospel-Brings-All-Home-ebook/dp/B0062X...

4.5 out of 5 stars (17 customer reviews)

In How the Gospel Brings Us All the Way Home, Dr. Derek W. H. Thomas explores Romans 8, which he calls the best chapter in the Bible. Here he finds an exposition of the steps through which God leads His people in the process of their salvation, but also loving counsel on such topics as prayer and resisting the Devil, as well as exhortations and comforts for weary pilgrims. Dr. Thomas begins at Romans 8:1 with the best news imaginable believers just and deserved condemnation before God has been taken away by Jesus Christ s work on the cross. He then contrasts earthly minded and spiritually minded people, showing that only those who are spiritually minded know life.
In Romans 8:29 30, he explores several steps in the process of salvation foreknowledge, predestination, calling, justification, and, finally, glorification which show God s invincible purpose in redemption. Finally, he unfolds the powerful promise of the final few verses of Romans 8 nothing can separate those God has redeemed from His saving love. How the Gospel Brings Us All the Way Home is a powerful exploration of the manifold gifts the heavenly Father has lavished upon His people and a preview of the greater inheritance that lies ahead.



Devotions for Lent (Ebook Shorts): Meditations Based on Best-Loved Hymns
http://www.amazon.com/Devotions-Lent-Ebook-Shorts-Meditations-eb...

4.4 out of 5 stars (37 customer reviews)



Manipulative People: A Step-by-Step Christian Plan for Dealing With Liars and Controlling People
http://www.amazon.com/Manipulative-People-Step---Step-Controllin...

4.8 out of 5 stars (5 customer reviews)
Books Deals

Amazon Coupons
g: 0 Posted By: Deals4mykids
Views: 220 Replies: 0 http://shirt.thatdailydeal.com/home.php?id=36805

I'm hesitant to post this because, well, twerkin? Yikes! Ah, well.
For those who like the humor in this, or for those who just are envisioning Dolly Parton singing "Twerkin 9 to 5...what a way to make a livin'!" while actually twerkin', well, here it is.
Shirt color: black
Screened onto a soft cotton t shirt
Available in S-XXXL
XXL + $0.99
XXXL + $1.99
Clothing Deals
Which debt to pay down first?
Added on : Thursday February 27th 2014 01:00:12 PM
g: 0 Posted By: Al3xK
Views: 190 Replies: 6 I have two debts that are screwing me now that I need to address. I'm paying PMI on my home and 9.5% interest on an unsecured pool loan. I'm thinking it makes more sense to try and remove PMI. I would feel comfortable throwing $30k at something. Here are the numbers:

Conventional home loan:

$327,000 purchase price (4/13), 5% down, original loan value $310,650 @ 3.625% interest rate
Current remaining balance $305,085
Monthly PMI: $173.45
Appraisal fee $385
I estimate the value at $370k.
PMI is scheduled to be removed at 78% LTV of the $327k purchase, so 10/21 when the mortgage is roughly $255k. I want it gone long before that

Pool loan:

$30,000 @ 9.5% for 60 months started 7/25/13.
Remaining balance $23,414, pay off is $24,322
I made one-time $5k payment to knock it down a bit


I'm thinking I pay the $385 to do the appraisal, and if the home comes in at $360k for example. I'd need to pay $17k to get to 288k and remove PMI...BUT I was thinking perhaps pay the full $30k and get it to $275k owed on a $360k property, and see if I could do a HELOC to pay the pool down? Or would it make more sense to just pay the minimum to remove PMI and the remainder to the pool loan?

For those curious, the reason I took on PMI and a 9.5% interest loan is because I was able to get 2-3 roommates bringing in $1250-1850 cash off the books...so it covered those expenses easily.
Personal Finance Deals
g: 0 Posted By: DaysFan
Views: 127 Replies: 0 Get a free 5x7 soft cover photo book plus 30% off a future order at Snapfish

Celebrate your favorite moments with a one-of-a-kind photo book from Snapfish.

Enjoy a FREE 5x7 soft cover photo book, plus savings of 30% off almost everything else on the Snapfish site when you place a future order!

Photo books filled with your photos and words are a great way to relive vacations, special occasions and everyday moments.

As you create your book, you can choose from dozens of themes that range from playful to sophisticated and you can add embellishments for extra style. Snapfish photo books are printed on beautiful archival paper, and our 5x7-inch books are just the right size to fit in your bag and share with those you love.

Dont forget to use your 30% off savings on a future order, too! Youll find more great customizable items, like cards, calendars, mugs, blankets, photo panels and more.

https://www.scottbrand.com/offer/snapfish3

30% off coupon must be redeemed separately from free photo book order. Offer expires 4/30/14. All shipping and tax charges apply. Limited time offer. Other restrictions apply; please see offer Terms and Conditions.

Scott Shared Values*
Products

Scott Naturals
bath tissue
flushable moist wipes
towels
do it yourself

Tips
Buy Scott


sign up
sign in
home
need live help? chat online or call 1-877-856-7268
English

english
espaol
english
franais


or sign inHow it worksBecome a member of Scott Shared Values*
& get access to coupons and deals,
plus monthly updates from Scott Brand.

Sign up or sign in
Get values

Get a free 5x7 soft cover photo book plus 30% off a future order at SnapfishCelebrate your favorite moments with a one-of-a-kind photo book from Snapfish.Enjoy a FREE 5x7 soft cover photo book, plus savings of 30% off almost everything else on the Snapfish site when you place a future order!Photo books filled with your photos and words are a great way to relive vacations, special occasions and everyday moments.As you create your book, you can choose from dozens of themes that range from playful to sophisticated and you can add embellishments for extra style. Snapfish photo books are printed on beautiful archival paper, and our 5x7-inch books are just the right size to fit in your bag and share with those you love.Dont forget to use your 30% off savings on a future order, too! Youll find more great customizable items, like cards, calendars, mugs, blankets, photo panels and more.30% off coupon must be redeemed separately from free photo book order. Offer expires 4/30/14. All shipping and tax charges apply. Limited time offer. Other restrictions apply; please see offer Terms and Conditions.Become a member and get this deal.Or Sign InFor more information about this offer, please click here to read the offer FAQs.If you have any specific questions about the Snapfish offer, please call 1-800-634-4500 or contact us here.For general program questions and concerns, click here.Stay Connected to ValueLike UsWatch UsShare the ValuesShare on facebookShare on twitterShare on email

About Scott
FAQ
Contact
Legal Statement
Privacy Policy

No purchase necessary to become a Scott Shared Values member*. Must be U.S. resident, 18 or older. Program scheduled to end 07/31/14. Some restrictions apply. See full rules for details.Ideas contained in the "tips" section have not been tested by K-C, and K-C does not endorse any idea or product mentioned therein.For more information about other great Kimberly-Clark brands, visit our website at www.kimberly-clark.com.All names, logos and trademarks are the property of Kimberly-Clark Worldwide, Inc. or its affiliates. 2005-2014 KCWW.All Rights Reserved. Your visit to this site and use of the information herein is subject to the terms of our Legal Statement.Please review our Privacy Policy. AdChoicesOffers are for one free 20-page 5x7 soft cover photo book and 30% off your next Snapfish order. You may redeem both offers, but they must be separate orders. Customer pays for additional pages over 20 pages for free photo book. Enter promo codes received from Scott Shared Values* at www.snapfish.com/scottsharedvalues2014 to redeem the offers. Promo codes are valid for single use only. All shipping and tax charges apply. A limit of one credit for free 20-page 5x7 soft cover photo book and one 30% off credit per account may be used during the promotion period. Offers exclude Premier Photo Books and Disney themed products. Offers expire 4/30/14. Offers apply to mail-order purchases only and cannot be used for pickup in store. Offers may be used only once and not in conjunction with any other offer. Offers valid for U.S. customers only. Scott Shared Values* customers only. X
Totally Free Deals
​What are the best places to visit in Jakarta?
Added on : Wednesday February 26th 2014 09:00:08 PM
g: 0 Posted By: freyjamanfrin
Views: 28 Replies: 0 My husband and I were thinking of Jakarta as our next destination. We have been searching information about the city prior to booking. I discovered through Westhill Consulting Travel & Tours that Singapore that the city was one of the must-tries. And I thought I could make use of some tips and advices from those who had first hand experiences. So my first concern is and mostly what I wanted to know is, what part of Jakarta is the best place to visit?
Discussion Deals
mixing home/rental ownership for tax planning/optimization?
Added on : Wednesday February 26th 2014 11:00:10 AM
g: 0 Posted By: TheMeliorist
Views: 120 Replies: 0 From reading the IRS rules, it seems that there are several scenarios where an individual could capitalize on the different rules for a main home and rental property which I haven't seen posted here:
In general, rental properties seem favorable because you can deduct repairs and depreciate value. But if you maintain your property as your main home for 2 of the last 5 years, you can forgo income tax on gains below $250k (whereas with a rental, you would pay taxes on such gains). It doesn't seem like there's any reason these can't be combined.

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

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

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

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

*If you chose to live there only 2 years I think you'd pay income tax on 50k (since two years of four were nonqualified) but perhaps this can be lowered depending on your rental cost basis (eg, if you replaced a roof or another capital improvement during this period)?
Real Estate Deals
64GB Team Class 10 UHS-1 MicroSDXC Memory Card $30 FS newegg
Added on : Wednesday February 26th 2014 11:00:03 AM
g: 0 Posted By: kime11
Views: 127 Replies: 0 credit to SD

Newegg has Team 64GB MicroSDXCfor $30 after promo code EMCPHHE37, ends 2/26.
Model TUSDX64GUHS03

I should add that this deal is for those who are willing to take a chance, reviews on this card are mixed.
Micro SD Deals

Newegg Coupons
Question about American Opportunity Tax Credit (finance related right?)
Added on : Wednesday February 26th 2014 09:00:10 AM
g: 0 Posted By: beardeus
Views: 112 Replies: 2 Hi,
I actually tried to register at some financial aid/ college forums but both forums I tried aren't allowing me to apply. Something isn't working correctly.

Anyways here is my scenario. My wife finished school Spring 2013. The school billed her for those expenses December 2012 but it is clear she had tuition expense for 2013 but the college is not stating that she did. I know, from the horses mouth regarding ANOTHER scenario (IRS), that schools don't always report tuition expenses on the 1098 form correctly. The tuition expense were paid through student loans.

My question, is my wife's schooling in 2013 eligible for the American Opportunity Tax Credit? She meets all the other requirements.

Thank you so very much!
Tax Deals
$76 HALO Photo/Document Scanner Mouse w/Pad & Easy Share Software qvc.com
Added on : Wednesday February 26th 2014 06:00:07 AM
g: 0 Posted By: DaysFan
Views: 194 Replies: 0 linke

HALO Photo/Document Scanner Mouse w/Pad & Easy Share Software

http://www.qvc.com/HALO-PhotoDocument-Scanner-Mouse-wPad-&-Easy-Share-Software.product.E225272.html?refType=X-SELL&refNumber=E225473&sc=E225272-DTLR&cm_sp=UPSELL-_-X-SELL-_-2&relType=X-SELL&refLocation=2


Retail Value: $96.00QVC Price: $84.75Featured Price:$76.98Shipping & Handling: $7.22 Save! Buy two or more and save on S & H.See DetailsEasy Pay! 3 Installments of $25.66, plus Tax and S & HSee S&H and Easy Pay detailshttp://www.qvc.com
item E225272Save the memories. Preserving and sharing special photos, important documents, and more is easy with the HALO photo and document scanner mouse--now available in all new colors and prints! This clever mouse functions just like a regular computer mouse, but it also works as a convenient scanner that you can use right at your computer. And, it's the same size as a normal computer mouse, so it will fit perfectly on your desk or in your laptop bag when you're on the go.

What makes the HALO photo and document scanner mouse special? This easy-to-use, all-in-one mouse scanner lets you scan any document, drawing, book, magazine, photo--and larger items that won't fit on a standard flatbed scanner--without needing to set up a cumbersome, separate unit. Once you've scanned your item, it instantly assembles the images onto your computer screen for easy editing, saving, printing, or sharing via social media or email--whatever you need. Plus, a 10" x 12" mouse pad is included for added ease of use--and a great value!

What does the OCR technology do? Optical Character Recognition lets you transform text into an editable document--so whether you're scanning a recipe, an Excel sheet, or a Word document, OCR technology captures those words and turns them into text that you can edit instantly! It also recognizes multiple fonts and languages. From assisting with daily business tasks to helping the kids with their homework, this handy technology will prove itself an awesome tool the whole family will appreciate.

What about when I don't need to scan something? When you're not scanning, the mouse functions as a typical mouse you'll use daily for everyday computing. To scan, all you have to do is hit the scan button on the side of the mouse.

What's in the box? HALO scanner mouse, 10" x 12" mouse pad, setup disc, and instruction manual.

From HALO.

QVC neither condones nor encourages the use of this, or any similar technology, to acquire unauthorized reproductions or create derivative works of copyrighted material.

Includes HALO scanner mouse, 10" x 12" mouse pad, setup disc, and instruction manual
Compatible with Windows and Mac
Optical Character Recognition technology; works with multiple font sizes and languages
Scan resolutions: Full 400 dpi; High 320 dpi; Medium 200 dpi; Low 100 dpi
Mouse laser sensor 1200 dpi
Scans various size items; can scan documents as large as approximately 16-1/2" x 11" in high resolution
Save formats: PDF, JPG, TIFF, BMP, PNG, XLS, DOC
Measures approximately 2-3/8"W x 4-1/2"D x 1-3/8"H, weighs 3 oz
UL listed; 1-year Limited Manufacturer's Warranty
Imported

Keyboard & Mouse Deals

QVC Coupons
g: 1 Posted By: oxygenmm
Views: 284 Replies: 3 My quest for tires began when Goodyear quoted me $683+ tax for the cheapest tires installed I thought that was ridiculous so I started searching for a deal on new tires. I have a small car so I didn't want to order online and try to find a way to get my new tires to the installer. Than I found TireBuyer.com I called first with an arsenal of questions for them. They do not offer road hazard but said some installers offer road hazard, and the DOT codes were less than a year old. They explained that I had to pay for my tires immediately and they would ship directly to the installer I selected and I would pay install costs to the installer when I arrived with my car.

I was considering the following 3 types of tires
Fuzion Touring $58
Continental - ExtremeContact DWS $112.00
BF Goodrich - g-Force Sport Comp-2 $93.45

I decided to buy the cheapest ones they had solely based on price and the fact they are rated 4.5/5 stars from 774 reviewers. Only bad reviews were ice/snow which doesn't affect me in the south. If I had to replace 1 tire it would only be $58 + tax with free quick shipping to installer + $24 to install

My total price for 4 tires installed was $300
$ 232.00 - $20 off ( for signing up for newsletter ) - $11.60 (5% CB) = $200.40 + tax + $90 labor to install $300.00
http://tirebuyer.com/tires/fuzion/touring/p/tv103000021

If you don't know about tires you can learn about them here:
http://www.cars.com/go/advice/Story.jsp?section=maintenance&stor...

I am so happy with my purchase my car drives and rides so much better now. This was a wonderful buying experience and I wanted to share with everyone looking for tires and wanting to save money. I saved over 1/2 of what Goodyear wanted to charge me. I was skeptical at first buying online and shipping to an installer I do not know but I am soooo happy I did. I loved the installer they were quick and careful with my car. They mentioned they don't get many TireBuyer customers so I am on a mission to change that. My last tires were $600 cooper tires that the owner said were highly recommended so I bought them and they were crap I was so unhappy they were loud and miserable. The only good thing I had to say about the coopers was I only had 1 nail patched in 5 years. I only drove a few miles in these Fuzions and I can only say they are better than the coopers so far. I miss the Goodyear Eagle F1 GSD3's but I ate nails in those.
Tools & Automotive Deals

TireBuyer Coupons
g: 0 Posted By: Deals4mykids
Views: 73 Replies: 0 EnGenius ESR1200 Dual Band AC1200 GIGABIT Router for $69.99 + free shipping

About $20 less than going retail right now.

http://www.tigerdirect.com/applications/searchtools/item-Details...

Offers Wireless AC (lower-end speeds) and Gigabit routing. Haven't seen much of anything else come close to this price while still offering both of those features.
Supports local cloud management via USB harddrive.
Routers Deals

Tiger Direct Coupons
Bear Grylls 2pc Knife Set $24.97 @ Costco B&M
Added on : Monday February 24th 2014 06:00:05 PM
g: 0 Posted By: bulldingo
Views: 200 Replies: 0 Found this at the Richmond, California (Northern CA) Costco today.

Images attached.

As always, for those of you who constantly whine about imperfect posts: man up or call mommy.
Home & Garden Deals
OFFER OVER Free Kindle Book- The Great Space Race
Added on : Monday February 24th 2014 06:00:11 AM
g: 12 Posted By: remick
Views: 1506 Replies: 0 http://www.amazon.com/dp/B00A8A73IO

​4.7 out of 5 stars (9 customer reviews)
#2 in Kindle Store > Kindle eBooks > History > Military > Aviation

Did you know that the US Government prevented Wernher von Braun from launching a satellite a year before Sputnik? Or that one of his engineers had a satellite hidden in the trunk of his car, just waiting for an opportunity? That mousetrap springs were used in the Vanguard rocket to save costs?
What is the truth about Roswell?
What stopped Khrushchev's plan to put a man in orbit in 1958 and allow him to die there?


Approx 350 pages, including color photos and diagrams plus links to more than 10 hours of videos formatted for tablet and phone screens, this e-book takes full advantage of the capability of the new generation of e-readers. For those with e-readers not having video capability, codes are provided to enable viewing on PC, mobile phone or other tablet devices.
Books & Magazines Deals
g: 0 Posted By: RunningMan
Views: 231 Replies: 0 Sorry if this old news, I searched and didn't see it posted, I don't normally post anymore, but this seemed like something worth posting

Big Lots has Muscle Milk Chocolate Protein drinks 10 fl oz, 4 pack for $3.00 each, There were multiple flavors, and some of the "light" variety. I also found a few that were expired, (like feb 8th) and I pointed this out to the cashier, they gave those to me for $1.50 per 4 pack. It might not be the greatest, but to me $3.00 isnt bad, and $1.50 is even better. YMMV, good luck.



for reference only:walmarts price


Health Deals
16GB flash drive micro center targeted Email
Added on : Sunday February 23rd 2014 09:00:09 AM
g: 0 Posted By: tightpapa
Views: 114 Replies: 0 For those who currently scubscribe to MicroCenter ads, check your email for
16GB Flash Drive
i got one probably because I have not been there for awhile.
Computers & Software Deals
TurboTax Deluxe CD - Federal & State (E-File for Fed only) $39.99
Added on : Sunday February 23rd 2014 06:00:02 AM
g: 0 Posted By: dragonary
Views: 146 Replies: 0 Those weary on doing their taxes online, here's a TurboTax Deluxe CD version (State and Fed E-File included) for $39.99 at BestBuy.
Bonus gift: a $5 Best Buy Gift Card with this purchase... so it's like paying $34.99
Link

Free Shipping on orders $25 and up, or pick it up from a store.
Software Deals

Best Buy Coupons
Tax question - Incorrect 1098-T due to rescinded GI Bill
Added on : Sunday February 23rd 2014 04:00:05 AM
g: 0 Posted By: medion
Views: 0 Replies: 0 For those taking the time to read this, thank you, and here's the situation. I went to school full-time from January 2013 - May 2013. Tuition was $3,250. The GI Bill paid it in full, plus paid me the housing stipend. As I finished the semester,I became aware of another VA program that could not run concurrently with the GI Bill that I was using, ran the numbers, and switched. The VA backdated this new benefit, calculated my retro payment, then debted me what they had paid in tuition, fees, books, and the housing stipend. Overall, I came out pretty far ahead (first two retro payments combined were over $10k AFTER accounting for the debt, which was taken out automatically).

Flash forward to today, and I get a 1098-T from the school saying that my entire tuition was paid for via scholarship. That's because it was, at the time. The VA has since had me repay that, but doesn't report it to the school. Even with my VA debt letter showing that I had to repay (and have repaid) the cost of tuition, the school will not send a corrected 1098-T. My understanding is the following;-I can input block1 of my 1098-T ($3,250 tuition paid) and put in a zero for block 5 (which shows $3,250 in scholarships received)

-The above will decrease the amount that I owe in taxes by roughly $2k, however,
-The above is very likely to trigger an audit, but the VA letter that I have should serve as proof and therefore get me off the hook.The above are based on some limited research and sem-educated assumptions. For those of you tax gurus out there, please tell me if I'm doing this correctly or if there is an alternative approach that I should be taking on this

.And to clarify - VA won't send a corrected letter to the school. VA won't recoup from the school, give me the money, and let me pay the school back. The school won't correct the 1098-T under any scenario except under that last approach I mentioned that the VA won't do. So, I've tried these approaches already. VA flat out told me to use their debt letter if audited.
g: 1 Posted By: remick
Views: 51 Replies: 0 http://www.amazon.com/Breastfeeding-Problems-Tracy-B-ebook/dp/B0...

Breastfeeding is natural, but it does not always come naturally to Mom. This book will help mothers with specific breastfeeding problems, and help those who want to breastfeed longer.



Feeding Baby: Including breast feeding, baby formula, store bought vs. homemade baby food, recipes, equipment, kitchenware, natural food, organic food, charts, scheduling, and much more!
http://www.amazon.com/Feeding-Baby-Including-kitchenware-schedul...

Once you become a parent you realize that you have taken for granted the complexity of something as simple as nourishing your body. All of that confidence and certainty on how to eat goes right out of the window once the reality that you have to feed someone else sets in - and that someone is your brand new baby that means the world to you. This book is the book that all parents look for once that reality sets in but until now was unavailable in one location.

Cynthia Cherry has written this very informative book providing everything you need to know to feed your child from newborn to 24 months of age.
Including breast feeding, baby formula, store bought vs. homemade baby food, recipes, equipment, kitchenware, natural food, organic food, charts, scheduling, and much more!
Feeding Baby is written in an easy to read and understandable style.
In a straight forward, no nonsense fashion, Cynthia Cherry covers all aspects of feeding you baby. The book is full of sound advice and answers to all of your questions
Books Deals

Amazon Coupons
Free Kindle Book- The Great Space Race
Added on : Saturday February 22nd 2014 07:00:06 AM
g: 0 Posted By: remick
Views: 167 Replies: 0 http://www.amazon.com/dp/B00A8A73IO

​4.7 out of 5 stars (9 customer reviews)
#2 in Kindle Store > Kindle eBooks > History > Military > Aviation

Did you know that the US Government prevented Wernher von Braun from launching a satellite a year before Sputnik? Or that one of his engineers had a satellite hidden in the trunk of his car, just waiting for an opportunity? That mousetrap springs were used in the Vanguard rocket to save costs?
What is the truth about Roswell?
What stopped Khrushchev's plan to put a man in orbit in 1958 and allow him to die there?


Approx 350 pages, including color photos and diagrams plus links to more than 10 hours of videos formatted for tablet and phone screens, this e-book takes full advantage of the capability of the new generation of e-readers. For those with e-readers not having video capability, codes are provided to enable viewing on PC, mobile phone or other tablet devices.
Books & Magazines Deals
g: 0 Posted By: ArtieLange
Views: 106 Replies: 0 Craftsman 20058 58 Piece Mechanics Tool Set w/ Storage Case $24.99 at Sears free pickup

http://www.sears.com/craftsman-58-pc-mechanics-tools-set/p-00938...

Take care of those rusty bolts and nuts quickly with the Craftsman 58 pc. mechanics tools set
Comes with 58 pieces including sockets, ratchets, wrenches, hex keys, adapter, extension bar and screwdriver bits to handle a variety of tasks
1/4- and 3/8-inch drives loosen the most corroded bolts
Ratchets have an advanced teardrop head design and can release with one button
Ratchets feature levers you can reverse single-handedly for efficiency
1/4 inch adapter allows your tools to be compatible with 3/8- and 1/4-inch drives
Open end wrenches vary from 3/8 to 9/16 for a great range of sizes
Magnetic handle bit allows you to work on slotted and Phillips screwdriver applications

Tools Deals

Sears Coupons
How to profit from move from Europe to USA
Added on : Thursday February 20th 2014 11:00:06 PM
g: 0 Posted By: Lamentablemente
Views: 7 Replies: 0 The thread about profiting from a trip to China (http://www.fullofdeals.com/forums/finance/1342755/ ) got me to wonder how I can profit from my upcoming move from Europe to the US. My company will pay for me to bring up to 20,000 lbs back with me, and I own next to nothing. Any advice about European goods that would resell easily in America for a profit and be worth the effort? Meat and dairy products have to jump through hoops and fees to enter legally, so I will avoid those. Im bringing back gallons of cheap, high-quality olive oil for my family, but I dont think theres much of a margin there.
Thanks, Lamentablemente
Discussion Deals
g: 0 Posted By: bpvh
Views: 63 Replies: 0 Office Depot rebate software for the week of 02/23/2014 (McAfee title $10AR)


Will update with rebate information ... hopefully by the time this goes live on 02/09.


McAfee AntiVirus Plus
$9.99 After $8 Instant & $42 Mfr. Mail-In Savings Visa Prepaid Card
Item #101-297


====================

****ALERT ON McAfee REBATES****

McAfee haphazardly enforces a one per product limit on its rebates. It does not matter if the rebate has a different rebate number or offer period. The rebate invalidation message is "Your rebate request did not pass our audit process".

UPDATE:
--- While it appeared from several posts over the past year on FW and SD that McAfee was no longer enforcing the one rebate per product limit, it now appears that the "Your rebate request did not pass our audit process" invalidation has returned.
--- There is one poster on FW who had not submitted a McAfee rebate since falling victim to the Summer 2010 debacle until June 2012. The rebate submission was invalidated. After failing to get the rebate processor to valid the rebate, the poster was able to convince a McAfee representative to make good on the rebate. Not sure what to make of this but it is possible that at least some of those black listed during the Summer 2010 debacle are black listed for life.

====================

NOTES:

--- Link to Office Depot's rebate website: LINK
--- "FAR": free after rebate
--- "completely new rebates": the goal of my Office Depot rebate threads is that the rebates of any title listed in the "completely new rebates" category can be submitted without concern for past rebate submissions.
--- "standard rebate": all rebate proofs can be satisfied with the purchase of the title.
--- "upgrade rebate": at least one rebate proof requires providing a certain proof of owning a previous version of the product or a competitors' product.
--- "CONTINUING rebate": the rebate was not offered for the first time during this offer period. Please check your rebate submission history to determine whether you have submitted this rebate in the past.
--- "onbox" or "inbox" rebate: the rebate form or the information for submitting the rebate are found on or in the product box. If known, a link to a pdf version of the rebate or the pre-submission information for the rebate are provided.
--- "Instant Savings": When a rebate item includes an instant savings, it is possible that the price of the item will not be correctly reflected on the website until some time later.

====================
Software Deals

Office Depot Coupons
Diamondback Overdrive 29er mountain bike $224 (msrp: $550)
Added on : Thursday February 20th 2014 03:00:03 PM
g: 1 Posted By: robstahl21
Views: 287 Replies: 1 from REI outlet... free ship to store (otherwise $75 shipping)

an absolute steal of a deal. Don't expect top end components... but you won't get those for $500, let alone $230! As far as what you get for the money, haven't seen a deal like this in the mountain bike world in some time.

LINKY HERE
Bicycle Deals

REI Coupons
g: 0 Posted By: LIME
Views: 244 Replies: 1 Syba GamesterGear Cruiser XB200-I Gaming Headset w/ Detachable Mic for Xbox 360 $19.99 + Free Shipping
Newegg

For those interested;

Syba GamesterGear Cruiser XB200-I Gaming Headset w/ Detachable Mic for Xbox 360 - Sold by Novatek & Shipped by Newegg

$19.99 + Free Shipping
Price Comparison at $49.99 at Amazon

Features

Independent Controller
Detachable Mic
Customized Dual Drivers
Full Chat Functionality on Xbox One with Xbox One Stereo Headset Adapter (Sold Separately)




Headphones & Speakers Deals

Newegg Coupons
g: 2 Posted By: remick
Views: 685 Replies: 2 http://www.amazon.com/Right-Stuff-ing-Delicious-Occasion-ebook/d...

If you have told me a few years ago that what I would like to cook the most would be stuffed dishes, I would have not believe it. Stuffed dishes always looked delicious, but complicated and difficult to prepare, left to professional chefs or to those with lots of cooking experience.
I enjoyed eating them in restaurants but wouldnt dare to try and actually preparing them myself.
Five years ago when I made my first stuffed pepper, I realized it is not as hard as I imagined. Actually its kind of fun and easy then I began to indulge ... Something about the act of coring, filling and assembling makes cooking creative and fun. And the taste? The tastes are so good that they make the task of emptying, filling, rolling, arranging etc. rewarding and so worth the efforts!
Since my first stuffed pepper, I continued to fill and roll almost everything I laid my eyes on; grape leaves, beets, tomatoes, squash and zucchini. And the filing? Almost everything is possible according to your taste: Ground meat, rice or quinoa, cheese or dried fruit.
In this book you will find the best recipes for stuffed dishes collected especially for you and grouped by categories: meat and poultry, vegetarian and vegan, dairy and sweets.
And most importantly, Ive attached the Complete Guide for making stuffed dishes: all the secrets, tips, and principles that will make you an expert in stuffed dishes! Guaranteed!
Totally Free Deals
Plight of the overeducated, starving scientist. Advice?
Added on : Thursday February 20th 2014 02:00:10 AM
g: 0 Posted By: Rommie2k6
Views: 117 Replies: 4 First, I would like to share my experience as an overeducated, starving scientist, and then I hope to solicit some feedback and advice from fellow FWF readers (who I assume have some level of financial literacy) on how to get out of this hole that I have dug myself into.

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

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

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

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

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

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

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

Question Deals
g: 0 Posted By: remick
Views: 115 Replies: 0 http://www.amazon.com/Right-Stuff-ing-Delicious-Occasion-ebook/d...

If you have told me a few years ago that what I would like to cook the most would be stuffed dishes, I would have not believe it. Stuffed dishes always looked delicious, but complicated and difficult to prepare, left to professional chefs or to those with lots of cooking experience.
I enjoyed eating them in restaurants but wouldnt dare to try and actually preparing them myself.
Five years ago when I made my first stuffed pepper, I realized it is not as hard as I imagined. Actually its kind of fun and easy then I began to indulge ... Something about the act of coring, filling and assembling makes cooking creative and fun. And the taste? The tastes are so good that they make the task of emptying, filling, rolling, arranging etc. rewarding and so worth the efforts!
Since my first stuffed pepper, I continued to fill and roll almost everything I laid my eyes on; grape leaves, beets, tomatoes, squash and zucchini. And the filing? Almost everything is possible according to your taste: Ground meat, rice or quinoa, cheese or dried fruit.
In this book you will find the best recipes for stuffed dishes collected especially for you and grouped by categories: meat and poultry, vegetarian and vegan, dairy and sweets.
And most importantly, Ive attached the Complete Guide for making stuffed dishes: all the secrets, tips, and principles that will make you an expert in stuffed dishes! Guaranteed!
Totally Free Deals
g: 0 Posted By: backsplatter
Views: 219 Replies: 1 Very limited areas you can get this in but a good deal if it's around you.


http://www.sears.com/craftsman-41inch-wide-11-drawer-ball-bearin...

Get the Ultimate Storage Solution with the Craftsman Ball Bearing Griplatch Tool Cart Clutter doesnt stand a chance with the Craftsman Ball Bearing Griplatch Tool Cart ! Designed to complement your work style and your workspace, it offers the optimal solution for organizing and showcasing your extensive tool collection. Ultra sleek, strong and sturdy, the too cart features Craftsmans exclusive heavy duty I-Frame constructiongiving you almost 16,000 cubic inches of storage and its unique keyed locking system keeps your tools secure, making it your perfect garage companion through all those projects.Combining mobility with maximum storage options, this rugged storage unit gives you the ultimate tool cart thats conveniently mobile thanks to its heavy duty casters and side handle. The ball bearing drawers featuring the exclusive Griplatch technology slide open smoothly only when you want them to even when theyre holding up to 70 pounds of tools and securely latch into place when closed. The thoughtful design of the Craftsman Ball Bearing Tool Cartlets you organize your tools and equipment just the way you want, so theyre well arranged and accessible when you need them. Premium, tough and smooth, this is a tool cart created with decades of expertise, its just the way you would have ordered it!

The Craftsman ball bearing Griplatch Tool Cart offers 15,862 cu. in. of storage solutions for all your tools and equipment
Stainless steel construction with Craftsman exclusive I-Frame design gives long-lasting strength and durability...

Tools Deals

Sears Coupons
g: 0 Posted By: NantucketSunrise
Views: 222 Replies: 8 Fortunately, my teeth are in really good condition. Most dentists I have gone to in the last few decades have told me I just need onecheckup/cleaning a year, although of coursesome of them have saidthat having a 6-month checkupis always recommended.

My previous dentist retired, so last February I went to a new dentist.

I went to one of those perhaps-franchised kind of clinicsthat seem to employ various dentists who, for whatever reason, don't have their own stand-alone, long-term kind of private practice.

I went to that clinic because 1) they had a special "coupon" offerfor new patients (everything for about $70) and 2) my teeth don't have any big issues, so I knew the dentist's assessment of myteethwould be perfunctory no matter who the dentist was, and generally I just wanted to havea cleaning done by a hygienist.

The clinic required a full set of x-rays to be taken at the start of my appointment, and I was okay with that, because it had been about 3 years since I'd hada full set done, and I understand that when you go to a new practice, they like to do a full imaging.

The dentist's assessment of me was very quick - a couple of minutes - no problems, "just keep doing what you are doing". I received an adequate cleaning from the hygienist (not the best I've ever had, but I wasn't paying a whole lot for the appointment, so I had no complaints).

Now, 12 months on, I called the same clinicto book my next appointment. The full exam price applies this time,of course, and that's fine with me -- I think it's $150 or something for a cleaning by the hygienist and a look-over by the dentist.

The receptionist told me that the dentist I saw there last year has moved on to another city where he's opened up his own private practice. I asked her if my records went with him to his new practice, or if my records remain at this clinic. She said, "Oh, your records have remainedwith us -you are considereda patient of our clinic."

I asked her how much another cleaning by the hygienist & fly-by viewing by the dentist would be, and she said it would be about $150, "...and, also,naturally, our new dentist will require you to have another full set of x-rays taken because you have never been her patient before, and there would bean extra charge for those."

I replied, "But I just had a full set of x-rays taken by your clinic last year, and my teeth are in good health. You just told me that your office has all my records from my appointment there last year. Also -- I thought the full set of dental x-rays on healthy patientswas only taken about once every 5 years?"

She said, "No, you would need to have the full set repeated, because of course you would be going to a new dentist since Dr. X has left us,andnew dentistslike to start out with a full set of x-rays for theirnew patients."

Does this make sense?It doesn't seem so to me.

The typical guideline for just bite-wing (not the full mouth) x-rays foradults with no decay is only once every 2-3 years: http://my.clevelandclinic.org/services/x-rays/hic_Dental_X-rays.aspx.

Therefore, I wouldn't really want that clinic even to do bite-wings on me, since I just had a huge amount of imaging done by them last year.

I toldthe receptionist thatI'd have to think about it, and that I'd call back if I wanted to set up an appointment.

Obviously, they are trying to make money. But the ADA warns againstdoing excessive x-rays on patients. Do you think that the receptionist wassimplywrong in her information,and maybe I should call back and ask to speak to the hygienistwho cleaned my teeth last year (the receptionist said thatthis hygienistis still on staff there) to ascertain if they really would require me to do a full set of x-rays again?

If Imove on toanothernew practice somewhere else in my vicinity, they might make me do a complete set again anyway -- do you think they would?
Personal Finance Deals
Staples: Garmin Nuvi 40LM $70 (50LM $90) exp 2/22
Added on : Tuesday February 18th 2014 12:00:07 PM
g: 2 Posted By: ottawa
Views: 216 Replies: 0 Good price on a basic GPS, for those who like a dedicated unit. Unfortunately for me, maps are Lower 48 states, Hawaii and Puerto Rico (there's a different model that includes Canada). AFAIK you can't swap out part of the US for Canada (my ancient all-NA GPS did that, when the total mapping update data got too big for the internal storage, I could choose continental regions to push to the GPS).

http://www.staples.com/Garmin-nuvi-40LM-Portable-GPS/product_368...

=aw

GPS Deals

Staples Coupons
A8-6600k apu $ 89.99 +ship after coupon tigerdirect
Added on : Tuesday February 18th 2014 03:00:08 AM
g: 0 Posted By: specter55
Views: 194 Replies: 0 http://www.tigerdirect.com/applications/SearchTools/item-details...

coupon NHD116593 good til 3/1/14, for $ 20 off this product

those of you, like me, that got an FM2 msi mobo for around $ 9 from TigerDirect, that complained the double rebate was invalid, and got a $ 10 giftcard from TigerDirect, this would be a nice thing to use it on.

best other price found was $ 119.99 @ Newegg

free shipping with Shoprunner. or cheap 2 day shipping compared to regular.

Specter

PS: did search didnt find anywhere else
Processors & CPU Deals

Tiger Direct Coupons
g: 0 Posted By: whiteb8791
Views: 96 Replies: 0 http://www.sears.com/craftsman-100-piece-accessory-kit/p-0093163...100-Piece Accessory Kit Has It AllThe Holy Grail among handy guys and gals, this Craftsman 100-PC Accessory Kit has everything you need to get the job done. Rather than build your tool set bit by bit, save time and money with this versatile all-in-one kit. Equipped with all the standard bits utilized in hundreds of household and general purpose projects, this Craftsman kit includes Phillips andflat driving bits; drilling bits for powering through plastic, wood, metal and masonry; plus power bits and insert bits to help fill all your driving needs. Everything is made from hardened alloy steel, so you can expect this accessory kit to remain your right-hand man for years to come.This ultra-versatile 100-PC Accessory Kit also comes with a durable, compact carrying case, a must for keeping all those dozens of bits from going rogue and disappearing into some unseen corner of your garage.
Tools Deals

Sears Coupons
g: 0 Posted By: HRJ77
Views: 0 Replies: 0 Hot Deal for those that want to stock up on on freeze dried food products. Honeyville. They have freeze dried Meat, Fruit, Vegetables, & Dairy just to name a few. Great for camping, emergencies, homemade cereals,snacks, trail-mix, etc.....the list goes on and on.

You have to purchase case quantities of #10 cans. Here's the deal......Special Offer - Buy One Case, Get One 50% Off* Offer Ends 2/21/2014 Coupon Code: STOCKUP

Shipping is only $4.99 no matter how large or small your order.

Enjoy!
Golden Gate Bridge Fasttrak only
Added on : Monday February 17th 2014 08:00:12 AM
g: 0 Posted By: LAEVE
Views: 35 Replies: 0 I was in Marin County on business this weekend and crossed into San Francisco via the Golden Gate Bridge. The toll takers were discontinued last March so it is all automated now.

I'm in a rent car freaking out because there is no way to pay the $6.00.

Payment is now online for those of us without Fast-Trak. No additional charges over the $6.00.

One additional positive is that weekend daily parking at the Golden Gate Bridge park is only $5.00. Public transit service is available so it might be a cheaper option to park there instead of the San Francisco CBD.

Discussion Deals
g: 0 Posted By: Flipit
Views: 256 Replies: 0 For those who still by vinyl, great deal on the purple limited edition

Evanescence Fallen 10th Ann Limited (LP Vinyl) $12.95 shipped Go Hastings



FALLEN
Music Deals

goHastings Coupons
OFFER OVER Free Kindle Book-Master the Art of Photographic Composition
Added on : Sunday February 16th 2014 04:00:22 PM
g: 4 Posted By: remick
Views: 1907 Replies: 3 http://www.amazon.com/Master-Art-Photographic-Composition-Photog...

Owning a camera is only one half of the requirements for making a good photo. The other half is the ability to apply an understanding of the principles of design to your image. The technical side must be balanced by the artistic side, like the two wings of a bird, for your photos to excel.

The Art of Photographic Composition is a mini-course in 30 stages to guide you to an understanding of how to work with those design principles to create great shots. They are the same principles that fine art photographers, painters and other visual artists use to express themselves. These are the rules that will enable you to create a photograph that can truly be called art.

Each section has text, images which demonstrate the principle (most of them with camera data) plus exercises and ideas for you to try out. The exercises are an essential part of the process and will help you to integrate the information you have learned.

By working through the book you will build a body of knowledge, both theoretical and practical, which will lead you to a mastery of the art of photographic composition. I guarantee your photos will improve and you will be able to express yourself more creatively and capture images that are visually compelling and truly artistic.

Techniques include:
- How to frame your shots for artistic effect
- Using geometric shapes to create an underlying design
- How different types of line strengthen your composition
- Separating the subject from the background
- The power of negative space
- Pattern and rhythm as design elements in a photograph
- Silhouettes and shadows
- How to create a sense of scale
- Action and motion blur
- The importance of picture depth
- Making the most of available light
- How to tell a story in a single image
- The use of visual metaphor
- Breaking the rules for expressive effect
- Engaging the imagination
- And more!
Totally Free Deals
30% off sprout baby food at diapers.com
Added on : Sunday February 16th 2014 01:00:04 PM
g: 0 Posted By: Zdog
Views: 208 Replies: 0 24 hours only. Expires 12 pm on 2/17/14

For those who use a lot of baby food in a pouch, Diapers.com has 30% off sprout baby food and snacks. Makes them slightly cheaper than Amazon after discount.

Enter code: sproutchamp

Example: 1 Stage 2 5 pk is $10.09 and is $7.06 after the coupon.

Free 2 day delivery on orders $49+


Baby Deals

Diapers.com Coupons
g: 0 Posted By: mrmonty
Views: 263 Replies: 1 I just purchased an iPhone 5s from Target mobile and they had a special with the following for most smartphones (I believe):
* $35 activation fee waived
* $100 account credit after 60 days
* the biggest surprise was unlimited voice/text and 1 GB data for $60 (and for those that need lesser data $45 for 250 MB).

For those that need Verizon wireless reliability, may be this is a good deal. I also found a link

http://www.verizonwireless.com/wcms/consumer/shop/shop-data-plan...
Cell Phones Deals

Target Coupons
How does a car lease rebate work (and other questions)!
Added on : Sunday February 16th 2014 10:00:12 AM
g: 0 Posted By: Thisiswhaticanafford
Views: 105 Replies: 0 Hi all, will be looking forward to your helpful and knowledgeable responses!

We have decided to lease through Ford, using Z plan pricing. I have read pros and cons of leasing (a lot right here at FW!)but this is the way we need to go right now for the vehicle that best suits our current needs.

This vehicle also has a $2000 leasing rebate. How does that work?Has that in any way, shape or form been applied towards the overall purchase price if (for some reason) we were to purchase at end of lease?

We are also struggling with whether to go with 12K miles per year or 15K. Price difference is $18/month if I remember correctly. If we go with the 45,000 3 yr lease, then we may very well end up outside of the 36 month/36,000 mile bumper-to-bumper warranty. Apparently for $600 or so we could purchase an extended warranty to cover those 9K miles -- do you think we'd have the opportunity to purchase this later in the lease but sometime before the 36000 mile deadline?

Myhead keeps spinning trying to anticipate the future. I figure if we go in with the (not popular) intent to buy later, we can definitely bypass purchasing the extra miles (saves $648), not worry about Ford WearCare (saves $750), and also not worry about extended warranty (saves $600) while leasing. We both currently have vehicles, adult children are out on their own! Semi retired, with jobs within 28 miles round trip.

I am also thinking that depending on how the $2,000 'leasing rebate' works, we may not be that far behind the game when factoring that in along with Z plan price. Whether or not we would be still eligible for Z plan years down the road is an unknown.

Sorry if I am asking too much or being confusing -- Thanks for helpful insights

p.s. Am still trying to understand Ford WearCare. Seems like Ford has a rather generous lease turn-in condition program. And, WearCare doesn't come into play if damage is 'accident-related' -- so what would be instances when we would be glad to have it? [side note: leather interior]

Question Deals
Fannie May Post Valentine/President's Day Sale up to 50% off + free S/H
Added on : Saturday February 15th 2014 11:00:02 AM
g: 0 Posted By: SNakian
Views: 53 Replies: 0 Time to mail out post Valentine Day chocolates to those who are not picky Valentiners
Use code 33667 for free shipping on all orders over $39. Side note: free shipping code doesn't usually work together with sale prices, but it did for me. Hope it's not a one time use code.And NO, Fannie May doesn't give student loans
Fannie May Sale
Mumford & Sons Sigh No More LP (Vinyl) $13.27 shipped Go Hastings
Added on : Saturday February 15th 2014 02:00:02 AM
g: 0 Posted By: Flipit
Views: 220 Replies: 0 For those of you that appreciate Vinyl, Mumford & Sons Sigh No More LP is $13.27 NEW shipped at Go Hastings, a stellar price!


MUMFORD
Music Deals

goHastings Coupons
g: 0 Posted By: ArtieLange
Views: 3 Replies: 0 DieHard Gold Wheeled Battery Charger with Timer Control & Engine Starter $94.99 at Sears free pickup

http://www.sears.com/shc/s/p_10153_12605_02871240000P?sid=I00844...


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

Electronics Deals

Sears Coupons
Refurb. Dell Latitude 10 Essential 64GB Windows tablet for $215+Tax+FS
Added on : Thursday February 13th 2014 01:00:07 PM
g: 0 Posted By: fatwally2102
Views: 297 Replies: 0 http://outlet.us.dell.com/ARBOnlineSales/Online/InventorySearch....

=14pxSave $200 on anyDell OutletLatitude 10 Essential tablet priced at $415 with coupon* code below!

Was=14px=14px$415.00=14pxNow $215.00

Certified Refurbished
Intel Atom 1800 processor
2GB memory
64GB hard drive
Windows 8
Intel Graphics Media Accelerator
Dell Wireless 1536C, Bluetooth 4.0 LE combo card
10.1-inch IPS wide view angle LCD, corning gorilla glass, capacitive 5 finger touch
Integrated 720p HD front facing video webcam 2.0M pixel and 8.0M pixel rear facing camera
2-cell lithiumion battery

Coupon code:
=14pxHQPFPH6JVPF8LR

*Up-gradable to Windows 8.1 via MS app store.

**You must select the $415 tablet in order for the coupon to work*

Below is the invoice I received:

Product Subtotal: $215.00
Shipping and Handling: $0.00
Tax: $17.73
Product Total: $232.73

For those in the market for a 10 inch Windows tablet to do simple reading and internet surfing, and do NOT want the Windows RT, this tablet could serve you well.

Windows Tablets Deals
g: 2 Posted By: remick
Views: 199 Replies: 1 http://www.amazon.com/Master-Art-Photographic-Composition-Photog...

Owning a camera is only one half of the requirements for making a good photo. The other half is the ability to apply an understanding of the principles of design to your image. The technical side must be balanced by the artistic side, like the two wings of a bird, for your photos to excel.

The Art of Photographic Composition is a mini-course in 30 stages to guide you to an understanding of how to work with those design principles to create great shots. They are the same principles that fine art photographers, painters and other visual artists use to express themselves. These are the rules that will enable you to create a photograph that can truly be called art.

Each section has text, images which demonstrate the principle (most of them with camera data) plus exercises and ideas for you to try out. The exercises are an essential part of the process and will help you to integrate the information you have learned.

By working through the book you will build a body of knowledge, both theoretical and practical, which will lead you to a mastery of the art of photographic composition. I guarantee your photos will improve and you will be able to express yourself more creatively and capture images that are visually compelling and truly artistic.

Techniques include:
- How to frame your shots for artistic effect
- Using geometric shapes to create an underlying design
- How different types of line strengthen your composition
- Separating the subject from the background
- The power of negative space
- Pattern and rhythm as design elements in a photograph
- Silhouettes and shadows
- How to create a sense of scale
- Action and motion blur
- The importance of picture depth
- Making the most of available light
- How to tell a story in a single image
- The use of visual metaphor
- Breaking the rules for expressive effect
- Engaging the imagination
- And more!
Totally Free Deals
Musicians Friend - Free Shipping on any order, no minimum
Added on : Wednesday February 12th 2014 03:00:08 PM
g: 0 Posted By: SlamminMOFO
Views: 133 Replies: 1 Musicians Friend - Free Shipping
Free Ground Shipping, No Minimum Order. Thousands of items ship free!Now, you get Free Ground Shipping with No Minimum Order. More gear than ever ships FREE to the Lower 48 states. And heres more good news: most orders ship within 24 hours. Well follow up with an email after your package is out the door and send tracking info, making sure you get quick delivery.Even though wed love to ship everything free, there are some exclusions for some heavy and oversize gear. Still, all gear can be delivered right to your door completely hassle-free. Placing a last-minute order and need it tomorrow? Weve got your back with a reasonably priced next-day shipping option.One more thing: We, Musicians Friend, do solemnly swear if we fall short of our Shipment Guarantee (below), well refund your shipping charges and give you a 20% discount on your next order placed within 90 days. (Maximum value for discount is $1000.00)Tell you whatkeep our number on speed dial so when you need gear immediately, were right there. Easy. Done.Free Shipping Guidelines

To get Free Shipping: Choose "Standard Ground" as delivery method in Secure Checkout.
Orders starting at $0 can qualify for free ground shipping.
Very large and oversized packages such as PA and guitar cabinets which are required to ship via freight may require additional shipping charges; see product description page or shopping cart for specifics.
Valid only on shipments to lower 48 US states.
Free shipping to APO/FPO addresses limited to 70 lb. per box and is subject to the same restrictions as domestic deliveries.
Lighter weight items may be shipped via USPS and may not contain a tracking number.
Verified credit card orders shipped via Standard Shipping typically arrive in just 3-5 business days. No standard delivery on weekends (for Saturday delivery, see below). Expedited/air shipping requires additional fees (outlined below).

Shipment Guarantee*Verified orders** ship from our warehouse within 24 hours of order placement.Verified orders**for in-stock items ship within 24 hours. Orders placed after 12 p.m. Eastern Time will ship no later than the following business day. Orders ship from our centrally located, state of the art distribution center to ensure fast delivery. Our team of service professionals work 24/7 to ensure that your order is accurate and on time. However, as a security precaution, some orders may require extended verification.Need It Quicker? Choose Next-Day, 2-Day, Express or Saturday Delivery Options

Flat-Rate Express Ground 3-5 Day Shipping: For only $4.95, choose the Express Ground Shipping option and get your gear in 3-5 days. Additional charges apply on heavy, oversized packages as well as those exceeding 70 lb.
Expedited shipping rates are determined by weight and zone. To see shipping estimates, add product(s) to shopping cart, enter your zip code, then select the shipping method you prefer from the pop-down menu below Product Subtotal
Large packages may require additional shipping charges. See product description page or shopping cart.
All delivery times are measured in business days. Saturday delivery is available for a $30 fee in addition to the One-Day rate calculated on the weight of the order. The Saturday delivery option is limited to areas where UPS provides this service and excludes heavy items. In addition, orders for Saturday delivery must be placed by 12 p.m. Eastern Time on the preceding Friday. If you require Saturday delivery, please place your order by phone.

Shipping Policies

To make sure you get your gear as quickly as possible, your order may arrive in multiple boxes over multiple days, but you will not be charged more for shipping as a result.
If in-stock items on the order have already shipped, back order items will be sent UPS Ground.
Lighter weight items may be shipped via USPS and may not contain a tracking number. (This applies to Free Ground Shipping only)
Orders shipping outside the Lower 48 States to Hawaii, Alaska, and Puerto Rico can only be shipped via air services.
Orders shipping to U.S. Military APO/FPO addresses, PO Boxes, and U.S. territories (Guam, Virgin Islands, etc.) are shipped by USPS (6-10 business days). International APO/FPO destinations may require additional delivery time. NOTE: Boxes over 70 lb. each cannot be shipped to these locations.
We are not able to ship Yamaha products to Puerto Rico, Guam, or the Virgin Islands.
For information about International Shippingclick here.

We collect no sales tax (except in IN, MO, CA, UT & WA).Get detailsabout our No Sales Tax Collected Policy.* Due to additional processing time, institutional orders and orders placed using purchase orders are excluded from our Shipping Guarantee.** All orders are subject to a 24-hour delay while we verify your billing information with your credit card issuer. This may be necessary to protect you from credit card fraud and identity theft.
Music Deals

Musician's Friend Coupons
Lease vs buy new vehicle
Added on : Wednesday February 12th 2014 10:00:17 AM
g: 0 Posted By: RobInBoston
Views: 208 Replies: 5 I have been one to always buy a used with cash. No hassle, no finance charges, I own the vehicle and can do what I want with it, drive as much as I want, don't have to worry about dings and dents, etc. However, I recently got into a new career field, started making a lot more money, and have decided we no longer need to deal with the "hassle" of a used van, for example, whose sliding door gets stuck/frozen every winter, or having to bring to the mechanic a few times a year, breaking down on the side of the road, having to invest in new tires and brakes, etc. Whatever peoples reasons are, some, like me, now choose to own new cars. And yes I realize this isn't the Fatwallet way, theres usually a huge hit in depreciation the first year but stick with me here...

So Ive looked into leases and have found there are some really great deals locally. Was wondering feedback / thoughts / opinions, would you buy new or lease?

Needing a family sedan Im using a 2014 Camry LE as my example. To purchase, with destination, title, doc fees, out the door price is about $24,000. Expected depreciation is $1800-$2000 the first year, $1700 the 2nd, and tapers off after that.

Now lets compare to leasing the same car, 2014, Camry LE. A local dealership has a $1999 due at signing, and $69/month lease. When factoring in the down payment, this comes out to $124/month, or $1488 per year. So for me this is the cheaper way to own a new car, as it costs $4464 over 3 years vs the depreciation of $5200 for the first 3 years of ownership.


Again, the obviously cheaper method is to buy a 3-5 year old Camry, with depreciation of $800-$1400 per year, and pay for the necessary upkeep as you go, but this is for those who want to own new, do not want to put down a lot of money, etc.

Thoughts?


Links
Cheap Lease
http://westborotoyota.com/Toyota-Camry-Zero-Down-Lease/

Average depreciation for a 2012 Camry
http://www.edmunds.com/toyota/camry/2012/tco.html


Personal Finance Deals
g: -1 Posted By: Deals4mykids
Views: 119 Replies: 1 Duck Dynasty 4pc Garden Gnome Set - Si, Willie, Jase, and Phil for $69.94 + free shipping

Amazon'S PRICE: $113.99

https://goofbag.com/duck-dynasty-4pc-garden-gnome-set

Your garden or home will never be the same!
This is the perfect Gnome Collection of those crazy Duck Dynasty characters.
All 4 Duck Dynasty Robertson Family Garden Gnomes.
Includes: Si, Willie, Jase and Phil.
Great items for your garden or home decor.
a wonderful gift idea for anyone.
Nice sturdy Polyresin construction. each 10" tall x 4.50" wide

*PLEASE ALLOW UP TO 3 WEEKS FOR DELIVERY ON THIS ITEM!

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

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

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

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

elective deferrals

employer matching contributions

employer nonelective contributions

allocations of forfeitures

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

100% of the participant's compensation or

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


So, what is this business about related and unrelated employers? It seems to me that they are attempting to keep folks from creating multiple companies that are under a single umbrella of sorts to game the system. But what would they be gaming? Perhaps limits based on a per-employer setup? Is this suggesting that one could have two completely separated employers and have separate limits for each? I always thought that was a per-taxpayer annual limit. Did I, or perhaps others, miss something?
General Economics Deals
g: 0 Posted By: Gauss44
Views: 150 Replies: 0 Eligibility:http://www.loc.gov/nls/eligible.html

Sign Up Here (if eligible): http://www.choicemagazinelistening.org/content/subscribe

Magazine Selection:http://www.choicemagazinelistening.org/content/source-list

I am personally a hospital volunteer. I figure that there are also other people on this forum who sign up for stuff, donate, or suggest these items to other people. (I personally donate a good deal of free magazines to my local hospital's volunteer office. Those magazines end up in waiting rooms and on book carts for inpatients.)
Books & Magazines Deals
Patriot DDR2 4GB (2x2GB) 800MHz PC2-6400 for $44.99/AR @ Fry's
Added on : Tuesday February 11th 2014 03:00:04 PM
g: 0 Posted By: Logan71
Views: 105 Replies: 0 For those that still rock older hardware, here's a good price on Name Brand DDR2!.It is CAS 6 but it is difficult to find CAS 5 any longer.

Link
Memory Deals
RoboCop [Blu-ray] $7.99 with Free $7.50 Movie Ticket + Prime Shipping
Added on : Tuesday February 11th 2014 01:00:07 PM
g: 2 Posted By: booklover
Views: 350 Replies: 0 Link

To receive the Promotion:

Add the qualifying item described in the offer to your Shopping Cart via the Add to Shopping Cart button on the product information page.
The promotional code will be placed directly in your Amazon.com account after your qualifying item ships once processing is complete.
To redeem your reward, add an item sold and shipped by Amazon.com to your shopping cart and proceed to checkout. The external token benefit will be sent to your Email box.

Terms and Conditions:Only purchases of eligible Blu-ray or DVD movies from Amazon.com qualify. It does not apply to the same products sold by other sellers; if Amazon.com is not the seller, this will be noted on the product detail page. Limited to one (1) promotional code per customer.Please note: You must redeem your reward code by March 31, 2014. Certificate expires March 31, 2014 or until Robocop is no longer in theaters (whichever comes first). To redeem your reward code, please go to www.activaterewards.com/robocop and follow the instructions to enter your reward code and other required information and print your certificate.Promotion restrictions:Certificate is valid at participating theaters for one admission up to $7.50 to see Robocop at any showing including those designated as no coupons, no passes in local theater listing guides. If lost, cannot be replaced. Void if sold or otherwise exchanged. No reproductions will be accepted. This offer will not be applied retroactively to previous purchases. No change will be provided to you. Not valid with any other offer. Offer valid in United States only. Hollywood Movie Money is marketed by Quantum Rewards. 2014 Quantum Loyalty Solutions, Inc. All Rights Reserved. For use under U.S. Patent #s 7,066,383; 7,156,294; 7,337,949 and other U.S. Patents pending.Amazon may terminate or modify the terms of this offer at any time in its sole discretion. Amazon.com is not responsible for the content on, operation of or any other aspects of that website; it is recommended that consumers carefully examine the websites privacy policy and terms of use before using the website or providing any personal information.
Blu Ray Deals

Amazon Coupons
g: 1 Posted By: PuvMan
Views: 30 Replies: 0 Just ordered this 6 pack in lavender scent:
http://www.amazon.com/gp/product/B001FA1NUA/ref=ox_ya_os_product

Scent free is same price, and lemongrass/clementine is a couple bucks more.

There is a $5 coupon on the page available, and with Subscribe & Save, another 5% if taken off.


For those wondering if this is good dish detergent to use, this review JUST came out:
http://thesweethome.com/reviews/best-dish-soap/


p.s. Yes, this has been cheaper in the past, as low as ~$9, but pretty good deal still, I think.
g: 1 Posted By: remick
Views: 107 Replies: 0 http://www.amazon.com/How-Save-Money-21-Day-Challenge-ebook/dp/B...

4.2 out of 5 stars (77 customer reviews)

After getting laid off I had to wade through all the frugal tips like "reuse twist ties" and "turn off the lights when you leave a room" to find the ones that really delivered.

Sure you can save a few pennies by turning off the lights around the house, but I needed to make bigger money-saving moves. I didn't need to save a few pennies, I needed to save many hundreds of dollars each month.

That is what this challenge is all about: taking 21 days to make some drastic, but realistic, changes in order to save at least $500 each month.

If you are anything like I was, you probably have more bills and payments due each month than you have money coming in. You have undoubtedly read other money-saving tips in the past, but just felt like none of them would yield much result. You also probably don't have the time to read through a bunch of fluff, but just want to get to the point! If this sounds like you, then you are who this book was written for!

And while this challenge is not intended to solve all your financial problems, it will definitely help you save money!

The book is broken out into 21 short chapters, each with a realistic money-saving suggestion that will help your reach your $500/m goal. To succeed with the challenge you will need to take the chapters day-by-day and not just fly through the whole book in one sitting. Those who read a chapter a day and take action each day will be rewarded with much better success.
Totally Free Deals
g: 1 Posted By: LordSky
Views: 200 Replies: 0 Microsoft Store
4.0% Cash Back + Free shipping. Free returns.

for those of us who still likes to have the physical copies of their games.

XCOM: Enemy Unknown$9.99
BioShock Infinite$14.99
Duke Nukem Forever$4.99
Dead Space 3 Limited Edition$9.99
Max Payne 3$2.99
Saints Row IV $14.99

and others
Video Games Deals

Microsoft Store Coupons
g: 0 Posted By: Gauss44
Views: 6 Replies: 0 I had an acquaintance a while back who said that she had to file bankruptcy after having a dental emergency and no dental insurance. I'm truly puzzled by this because my research indicates that Delta Dental's high individual plan (which anyone can purchase, regardless of employer) costs about $600 a year for a maximum of only $1000 of coverage. Based on those numbers, "Why would anyone bother purchasing dental insurance?," I wonder.

In the meantime, I definitely need to see the dentist myself and currently have no dental insurance myself. I could easily purchase insurance but don't see the point. (Do you?) In addition to dental maintenance like cleanings, I may have trouble ahead given that my front teeth have minor cracks near the ends and one of them is getting a white spot on it. I'm truly puzzled as to whether or not I am overlooking a substantial reason to get dental insurance?.. As far as I can tell, I should just pay out of pocket and forget insurance. ("Pay $600 for the possibility of saving $400" doesn't make sense to me.)

Do you all have dental insurance? Why? Why not? Is there a better alternative to dental insurance?
Discussion Deals
50% off lenses with frame purchase @ Lenscrafters
Added on : Monday February 10th 2014 07:00:07 PM
g: 0 Posted By: lonelyaccountant
Views: 183 Replies: 0 For those who wear eyeglasses this is a great deal..

Www.lenscrafters.com
Health & Beauty Deals
Need advice re student loan/mortage refi with cash available
Added on : Monday February 10th 2014 08:00:21 AM
g: 0 Posted By: throwaway2001
Views: 83 Replies: 0 So my wife and I have collectively about 300K in student loans and a $350K mortgage (house is valued at $300K currently in a yearly arm after having a 7/1 expire). We have $200k in liquid assets. My wife is a stay at home mom for now, but when full time employed, pulls in six figures as I am doing now. Okay those are the deets- now to my considerations-

1. I am in a position to perform a HARP 2.0 at any time (I haven't refi'ed yet since purchasing the house)- however, I'm concerned of having to have a higher apr due to the program- I'm also concerned about being locked into the HARP 2.0 terms- I've read that I can't refinance if I'm in the HARP2.0 program (definitely not again with another HARP 2.0 but am unsure if after paying down principle that I would be able to refi through another bank for an ARM or 30y in the next 3-5 years after having done a HARP 2.0.) I would then continue to invest as I have been doing eventually paying everything down at some point before I die.

2. With our liquid assets- my other consideration was paying down the mortgage- then refinance with a 5/5 or 30yr. basically invest $150k from assets and have $50k in case of emergency- then chip away at student loans and mortgage until I die.

3. Paying off a majority of student loans- I'm getting no benefit from student loan interest through taxes due to my earned income- paying off those loans seems premature when my house is underwater- nonetheless- eventually paying off my student loans would provide more money to pay down my mortgage until I die.

My thought was basically do #2 (pay down the house and refi)- assuming housing continues to recover- potentially refi again later on and pull some money out of the house to pay off some of the student loans- by that time, I would have made a pretty good dent in the loans to potentially pay it all off- this would be at the cost of still owing a vast majority on my house and maybe getting dinged with higher rates later on- but I'd benefit from taxes from the mortgage all the while.

Any advice into how to handle this debt load with my available assets would be greatly appreciated.
Thanks

Personal Finance Deals
g: 0 Posted By: COOLBLEU
Views: 201 Replies: 0 This is a great deal since it is now cheaper than last year when I got...Oh will. Great price for those who don't have it. Probably to coincide with the new season:

http://www.amazon.com/Walking-Season-Limited-Edition-Blu-ray/dp/B00CATONCA/ref=sr_1_1?ie=UTF8&qid=1385948435&sr=8-1&keywords=walking+dead+season+3+blu+ray
Blu Ray Deals

Amazon Coupons
JVC 900 Mhz Wireless Headphones $39.99 FS Fry's
Added on : Sunday February 09th 2014 09:00:02 PM
g: 0 Posted By: fatgempler
Views: 0 Replies: 0 JVC HAW600RF 900 Mhz Wireless RF On-Ear Headphones just $39.99 FS Fry's.
Most wireless headphones in this price range use infra-red light not radio frequencies and require line of sight with the base station, but this one uses 900 MHz radio. Also most wireless headphones in this price rage require regular batteries, but this one has rechargeable batteries.
Compare to $51 at Newegg and $54 at Amazon. Good deal at those prices too but this one is a very good deal.
http://www.frys.com/product/4960481
Offer 2/13/2014
Klymit - Static V Air Pad $42.96 - FS on $50+ Campmor
Added on : Sunday February 09th 2014 05:00:07 AM
g: 1 Posted By: tedhawkins
Views: 136 Replies: 0 Klymit - Static V Air Pad $42.96 - FS on $50+ Campmor

http://www.campmor.com/outdoor/gear/Product___98058

The Klymit Static V Air Pad is a comfortable place to sleep. Very comfortable. The Static V, with its innovative V-Chamber design, limits air movement and heat loss for better support and comfort. It folds to fit in multiple bag types and sizes. The side rails keep you on the pad and well insulated. Built with a rugged 75D polyester on top and bottom. It inflates quickly and easily. Usually taking between 10-15 breaths to inflate, which is way quicker than some of those bright yellow pads. And when it is inflated it is a comfy 2.5 inches thick and you will notice the difference. And when it is packed up you will hardly notice such a small package.
Ergonomic V Shape design
Extreme Comfort - 2.5 inches thick
Inflates quickly and easily - usually in less than 15 breaths
Warmer - V baffles limit air movement and keeps heat loss to a minimum
Durable tough 75D polyester
Packs small
Includes stuff sack
Patch Kit included
Weight = 1 lb 4 oz
Camping Deals

Campmor Coupons
Buy an iPad @ Staples...Get $25 Rebate......Free Shipping
Added on : Sunday February 09th 2014 03:00:02 AM
g: 0 Posted By: silverteg2nv
Views: 219 Replies: 0 Nice deal for those in the market.......Buy and iPad from Staples and get a $25 Easy Rebate and Free Shipping for Rewards Members......

http://www.staples.com/iPad/cat_CL211152?icid=HP:HP:LPB:APPLETAB...

Enjoy!
iPads Deals

Staples Coupons
2014 $5 Gold Eagle PCGS MS70 graded First Strike - $185.00 w/ FS
Added on : Saturday February 08th 2014 07:00:06 PM
g: 0 Posted By: jmax31
Views: 228 Replies: 0 Here is a follow up to a previous posting of a 2014 gold $50 Maple Leaf. For all those that want to pick up some gold at a good price, but don't have an extra $1000 plus laying around, this is a great option for you. Plus, since this coin is graded at a perfect MS70 grade by PCGS, your coin will retain a better resale price point over the non graded coin. Heck, I may just pick up one myself.

http://www.ebay.com/itm/2014-5-1-10-Oz-Gold-American-Eagle-PCGS-MS70-FS-FLAG-LABEL-SKU30601-/131098457849?pt=US_Bullion_Coins&hash=item1e8613b6f9
RC & Hobbies Deals

eBay Coupons
g: 0 Posted By: linrick
Views: 181 Replies: 1 I really wanted one but still can't afford it. But the price is excellent for those who can afforded for their significant other.
Other sizes 7", 7.5" and 8" are $5100 (twice as much as the 7.25 inches)

Product SpecificationsLength: 7.25 inches | Metal Type: white-gold $2534 - $250 = $2284 shipped. linkymoo
Jewelry Information Brand, Seller, or Collection Name Amazon Curated Collection Metal stamp 10k Metal White gold Gem Type Diamond Setting Prongs Length 7.25 inches Clasp Box with tongue and safety Total metal weight 11.29 Grams Number of stones 38 Certificate type IGI
Diamond Information Stone shape Round Minimum color IJ Minimum clarity I1-I2 Minimum Total Carat Weight 5.25 carats Packaging Information Package Deluxe Bracelet Box

Jewelry Deals

Amazon Coupons
g: 0 Posted By: onlypinkfloyd
Views: 0 Replies: 0 http://info.cpk.com/documents/freesmallplatejanuary2014.pdf
Coupon
Groupon - Foldable vases - $9.99 + $2.99 shipping
Added on : Friday February 07th 2014 06:00:04 AM
g: 0 Posted By: MasterDebator
Views: 147 Replies: 1 Set of five foldable vases; black scroll, blue floral, blue scroll, pink floral, and pink scroll patterns.

Maybe good for holding those Valentines flowers?

https://www.groupon.com/deals/gg-set-of-foldable-vases
Flowers Deals

Groupon Coupons
g: 0 Posted By: slervik
Views: 147 Replies: 1 Frederick's is offering:

25% Off Sitewide
An ADDITIONAL 50-60% off Clearance Items (Starting at $2.49)
Free Shipping on all orders.

You don't need any coupons for those ^^ sales BUT....I found a coupon code that is stackable on these sales to get you an EXTRA 10% off: 14RMN10

Notable Offers:
Women's V-Neck T-shirt (Assorted Colors)- $5.40
Alcee Thong Sandals- $13.40
Women's Shimmer Jeans- $14.40
Glimmer T-Strap Sandal Heels- $17.28





FREDERICKS SALE PAGE
FREDERICKS CLEARANCE PAGE


Clothing Deals

Frederick's of Hollywood Coupons
g: 0 Posted By: ArtieLange
Views: 202 Replies: 0 D-Link Whole Home Router 1000 (DIR-645) Wireless N300, SmartBeam Coverage, Gigabit, USB SharePort $29.99 shipped w/code EMCPHPC87 at Newegg

http://www.newegg.com/Product/Product.aspx?Item=N82E16833127379&...






OverviewEliminate wireless dead spots and unleash comprehensive whole-home coverage on all your devices, all at once the Whole Home Router 1000 is designed to handle large home networks. SmartBeam sends focused beams of bandwidth to individual wireless devices simultaneously, and delivers uninterrupted connectivity to any device, anywhere in your home. Theres a SharePort Plus for streaming USB devices and with 4 Gigabit Ethernet ports, you can connect your favorite entertainment devices as well, and give them up to 300 Mbps speed and advanced QoS bandwidth prioritization they need for seamless HD video streams, high-performance gaming, and VOIP calls without annoying glitches or lags.
Give Your Wireless Devices The Bandwidth They Crave. Give Them SmartBeam.Build a wireless home network capable of delivering the bandwidth to handle HD video streams, large media file downloads, and online gaming to multiple devices, simultaneously. SmartBeam uses 6 multi-directional antennas to find and track individual devices , then focus beams of bandwidth to those devices, ensuring a seamless connection anywhere in the home. Ideal for large homes or small offices where concrete walls, successive floors in multi-storied buildings, or other architectural impediments can weaken a wireless signal, SmartBeam is designed to handle large home networks and can even power devices across large backyards. Eliminate wireless dead spots and unleash comprehensive whole-home coverage on all your devices, all at once the Whole Home Router 1000 is provides uninterrupted connectivity to any device, anywhere in your home or small office.
Now Playing: Everything.The Whole Home Router 1000 has not only been engineered to deliver seamless connectivity to your favorite wireless devices, but comes equipped with 4 high-performance Gigabit Ethernet ports to power your digital entertainment system as well. HDTVs, the Boxee Box by D-Link, Blu-Ray Players, xBox 360, Playstation 3 Connect your favorite performance devices and give them the 300 Mbps speed and advanced QoS bandwidth prioritization they need for seamless iPad HD video streams, high-performance gaming, and VOIP calls without annoying glitches or lags. Connect Printers, NAS servers - even security cameras - Shareport Plus USB 2.0 lets you stream from any USB device.
Advanced Home Networking. Simple SetupHigh-performance entertainment devices. Wireless signals anywhere in your home. Multiple laptops. Network storage systems. iPads, iPhones It used to be that designing a home network capable of handling so many devices required some serious hardware and some seriously messy installation. Not with Amplifi- the Whole Home Router 1000 has not only been engineered with the power to handle all of your digital demands, but with the smarts to put it at the tip of your fingers. Whole Home Routers offer Wireless G backwards compatibility. IPv6 allows for intelligent self-detect and router setup and with push-button connectivity and 128-bit security encryption standard, a secure home network is as simple as plug and play.
128-bit Security EncryptionThe Whole Home Router 1000 protects your network with 128-bit AES data security encryption the same technology used in E-commerce or online banking. Create your own network name and password or put it at the tip of your fingers with Push Button Security standard on every Amplifi device.
Get Ready for the Future - IPv6 EquippedWith the growing number of Internet-enabled applications requiring IP addresses, the supply of IP addresses under the current Internet Protocol version 4 (IPv4) system has already been exhausted. The IPv6 protocol solves this network addressing exhaustion by creating more IP addresses, but migration from IPv4 to IPv6 is not necessarily automatic. No worries - This D-Link product is IPv6 Certified and ready for the future.

Routers Deals

Newegg Coupons
g: 0 Posted By: bittul
Views: 15 Replies: 0 Many great deals...

NOTE: Not all products show the coupons on the product pages, so just click all the coupon links below to be sure.

drugstore.com has two overlapping promotions:
20% off all "Skin Care" --> valid through Feb 8th.
$5 off $20 Dove products --> valid through Feb 28th.
Stack those promotions with stackable coupons, and you've got a great deal!

Items in title end up $20.27 before discounts and coupons = $6.21 after all discounts!

Note: NOT all Dove items are in the "Skin Care" category, and NOT all Dove items are Shoprunner eligible... So if you find any other good combos, please do share

Note 2: On the product page of any Dove Item, click the $5 off $20 checkbox to get it activated. Then in cart, enter zip-code and click "get estimate" to see discount.

Note 3: drugstore.com will sometimes put through a pre-authorization charge that does not include the $5 off. This is normal and gets corrected on the actual charge.

LINKS:
20% off Skin Care:
http://www.drugstore.com/beauty/skin-care/qxg180646-0?aid=339035...

Dove items in "Skin Care":
http://www.drugstore.com/beauty/skin-care/dove/qxg180646-39e0558

Coupons:
http://www.drugstore.com/user/promo.asp?code=dovedeo2feb14&trx=G...
http://www.drugstore.com/user/promo.asp?code=dovebw2feb14&trx=GF...
http://www.drugstore.com/user/promo.asp?code=dovedeo1feb14&trx=G...
http://www.drugstore.com/user/promo.asp?code=dovemenhair1feb14&t...
http://www.drugstore.com/user/promo.asp?code=dovemenface1feb14&t...
http://www.drugstore.com/user/promo.asp?code=dovemendeo1feb14&tr...
http://www.drugstore.com/user/promo.asp?code=dovemendeo2feb14&tr...
http://www.drugstore.com/user/promo.asp?code=dovemenbw2feb14&trx...
http://www.drugstore.com/user/promo.asp?code=dovemenbar2feb14&tr...
http://www.drugstore.com/user/promo.asp?code=dovehair1feb14&trx=...
Office Depot rebate software for the week of 02/09/2014 ($10AR and $15AR)
Added on : Thursday February 06th 2014 06:00:03 PM
g: 0 Posted By: bpvh
Views: 23 Replies: 0 Office Depot rebate software for the week of 02/09/2014 ($10AR and $15AR)


Will update with rebate information ... hopefully by the time this goes live on 02/09.


AVG Internet Security
$9.99 After $20 Mail-In & $30 Current User Upgrade Mail-In Savings Visa Prepaid Cards
In Store Price $59.99
Item #211-025


McAfee Total Protection For 3 PCs
$14.99 After $10 Instant & $55 Mail-In Savings Visa Prepaid Card
In Store Price $69.99
Item #106-319


====================

****ALERT ON McAfee REBATES****

McAfee haphazardly enforces a one per product limit on its rebates. It does not matter if the rebate has a different rebate number or offer period. The rebate invalidation message is "Your rebate request did not pass our audit process".

UPDATE:
--- While it appeared from several posts over the past year on FW and SD that McAfee was no longer enforcing the one rebate per product limit, it now appears that the "Your rebate request did not pass our audit process" invalidation has returned.
--- There is one poster on FW who had not submitted a McAfee rebate since falling victim to the Summer 2010 debacle until June 2012. The rebate submission was invalidated. After failing to get the rebate processor to valid the rebate, the poster was able to convince a McAfee representative to make good on the rebate. Not sure what to make of this but it is possible that at least some of those black listed during the Summer 2010 debacle are black listed for life.

====================

NOTES:

--- Link to Office Depot's rebate website: LINK
--- "FAR": free after rebate
--- "completely new rebates": the goal of my Office Depot rebate threads is that the rebates of any title listed in the "completely new rebates" category can be submitted without concern for past rebate submissions.
--- "standard rebate": all rebate proofs can be satisfied with the purchase of the title.
--- "upgrade rebate": at least one rebate proof requires providing a certain proof of owning a previous version of the product or a competitors' product.
--- "CONTINUING rebate": the rebate was not offered for the first time during this offer period. Please check your rebate submission history to determine whether you have submitted this rebate in the past.
--- "onbox" or "inbox" rebate: the rebate form or the information for submitting the rebate are found on or in the product box. If known, a link to a pdf version of the rebate or the pre-submission information for the rebate are provided.
--- "Instant Savings": When a rebate item includes an instant savings, it is possible that the price of the item will not be correctly reflected on the website until some time later.

====================
Software Deals

Office Depot Coupons
Cashed someone else's check
Added on : Thursday February 06th 2014 04:00:17 AM
g: 0 Posted By: kevtin
Views: 243 Replies: 12 Hello everyone. 4 years ago I bought a house in a particular nasty short sale. The gist of it was the seller made some misrepresentations regarding the taxes which my attorney missed (this was a new construction, and this was a spec house the seller built). The details are irrelevant, but resulted in some maneuvering with the bank that held the sellers mortgage.

Fast forward 3 years to last spring, and out of the blue I received a letter and a check from that bank in the mail. I know I messed up here, but I saw the amount ($1000) and was so excited, I really only glanced at the actual letter and saw it was some sort of refund due do to a legal settlement. Enough words stood out that I just assumed it was related to my previous tax situation. I signed the back of the check and, along with other checks, deposited it from home using my scanner. I put the checks in a pile while I waited to make sure all the checks cleared.

A couple of weeks later, I was cleaning up my desk, and I was shredding all those check when I saw the check was not made out to me, but to the guy who I bought the house from. I had already tossed the letter that came with the check, but I thought back and think it must of been some settlement sue to some sort of lending practices. I immediately called the bank who sent the check, but not even knowing what part of the bank it came from, I never got anyone who could help me "undo" the deposit. I sent a letter to the guy who sold me the house to the only address I could find on any of my closing statements, but never heard anything (it seemed to be an office). I googled the guy looking for a current address and didn't find anything. Eventually I gave up, figuring I tried my best, and although two wrongs don't make a right, the guy did screw me out of a few thousand dollars. I sort of forgot about it

Yesterday, I received a letter addressed to this guy (my addreess) from the bank. I opened it (as opposed to destroying it), and it was a 1099 for the $1000 for the guy. I now am a little worried. I know I did something wrong depositing this guys check (honest mistake, though no one will believe that, I signed MY name on the back), but I felt like I did my job to make it right.

So my question is, a) whats my liability here, legally and b) should I just move along and hope I never hear from the guy?

Thanks!

Personal Finance Deals
g: 0 Posted By: AmazonDealFinder
Views: 209 Replies: 0 http://www.kmart.com/poulan-predator-18inch-42cc-chainsaw-ppr421...

Product DescriptionPredator 18" 42cc Chainsaw Makes Short Work of the MessNo need to worry about what the winter's snows or summer's storms might do to your yard with thePoulan Predator 18" 42cc chainsaw. This two-cycle engine can reach up to 12,000 RPM, giving it the power to chew through those downed trees in no time. It's also a fantastic tool for preventative maintenance, letting you get rid of those perilously dangling limbs or chop down an entire tree for fire wood.ThePredator 18" 42cc chainsawis easy to operate, with controls that make starting easy. The reduced vibration handle makes operating the saw comfortable, while the chain brake reduces the risk of injury. The saw comes with everything you need to get started from gloves to engine and bar oil.

ThePoulan Predator 18" 42cc chainsawgives you the reach and power to clean up after a storm or to take care of those tree limbs before they become the next batch of storm debris
The saw comes with gloves, an extra chain, case, engine oil, bar and chain oil, and file and guide
Reduced vibration handle
Automatic gear driven oiler
Inertia activated chain brake
Integrated choke/stop control make the saw easy to start without engine flooding
Two-cycle engine can reach up to 12,000 RPM
Steel blade
.05 chain gauge
Chain pitch 3/8 inch
.078 gallon fuel capacity

Garden Deals

Kmart.com Coupons
Ooma Telo w/ Ooma HD 2 Handset for $130 w/ FS @ OfficeMax
Added on : Tuesday February 04th 2014 12:00:02 PM
g: 1 Posted By: uomba
Views: 57 Replies: 1 Ooma Telo for $99.99after instant rebate @ OfficeMax (must add it to cart). Add the Ooma HD 2 Handset for $59.99and apply coupon code EMAIL30 ($30 off $150)during checkout to drop the total price to $129.98 (before salestax for those who have to pay it) with free shipping.



Private Student Loans: Best Way to Consolidate?
Added on : Tuesday February 04th 2014 08:00:19 AM
g: 0 Posted By: sbdywinski
Views: 114 Replies: 2 My Federal student loans just kicked in and paying both those and my private loans per month are near impossible to manage. I have approx $30,273 in federal loans, and $41,685 in private loans. Yeah I know, not the best situation and it is something I am regretting, but I am trying!

Info
Student Loan Provider Loan Type Payment Plan Balance Interest Total (per provider) Payment Amt. Payment Amt Per Mo. Due Date Sallie Mae Smart Option Student Loan Unknown Unknown $4904 9.63% $160 9th Sallie Mae Smart Option Student Loan Unknown Unknown $2017 9.63% $6921 $66 $226 9th Discover Bank - Student Loan Unknown Unknown $19449 11.25% $19449 $207 $207 13th CitiBank CitiAssist Undergrad Loan Unknown Unknown $9730 6.25% $74 13th CitiBank CitiAssist Undergrad Loan Unknown Unknown $6215 3.13% $15945 $37 $111 13th Nelnet - Group A Subsidized Standard $4500 6.5% $53.11 14th Nelnet - Group B Subsidized Standard $4500 6% $51.18 14th Nelnet - Group C Subsidized Standard $5500 5.6% $61.4 14th Nelnet - Group D Subsidized Standard $5500 4.5% $20000 $58.28 $223.97 14th Nelnet - Group E Unsubsidized Standard $3476.55 6.8% $46.61 14th Nelnet - Group F Unsubsidized Standard $2406.47 6.8% $32.26 14th Nelnet - Group G Unsubsidized Standard $2262.49 6.8% $30.33 14th Nelnet - Group H Unsubsidized Standard $2128.21 6.8% $10273.72 $28.53 $137.73 14th
Note: I HAVE NOT switched my federal loans to be on the income repayment plan yet, as my first payment isn't until the 14th (Happy Valentine's Day to me!). Once that is done, that payment is about $183 per month for the federal loans combined.I have every interest in paying down my credit cards ASAP so that I can apply those costs to my highest interest student loans.

Some facts about me:

Monthly income after taxes taken out: ~$1720
Credit Score: Currently 640 (working on decreasing CC utilization by getting approved for more cards)
Credit Card Debt: $6,333 (was under-employed for FAR too long)
Overall Credit Availability: $9220 (Was just approved for a 1000 credit card, reflected in total)
I am in my mid 20's, don't own a house so no collateral for personal loans. Car is worth approx $3.5k but I dont want to part with it (grad gift from mom before passing, only car that hasn't EVER had breakdowns. Costly repairs on a cheaper car don't seem like a better option in the long run).
No cosigner possibilities


Questions about private loan consolidation:

Is there a particular lender which tends to give the best rates?
If I, for example, go to CUStudentLoans.com and check what kind of rates they can give me, is that going to do a hard/soft credit inquiry? I know it is good to shop around with this sort of thing, but I am wary of heavy hits this may cause.
One of my CitiAssist student loans has a VERY low rate of 3.13%.. should I consolidate this with the others? Seems like a good one to hang onto, but it could also lower the overall interest rate I would be approved forif it was averaged with the other loans.
Is there a good "tactic" as far as getting a good rate? My boyfriend and I thought about the possibility of balance transferring my credit card debt to one of his cards to bring up my credit score pretty good and THEN apply for the consolidation.. then transfer back to me (with cards with balance transfer deals, of course)
Is there a particular credit score I should strive for before applying to consolidate?
Are there any key things I should avoid in their consolidation terms and conditions? Variable,Fixed,25 yr length,etc.

As I am sure it is apparent, I am pretty clueless about what the best option here is. I appreciate any words of wisdom you might have with this subject!
Personal Finance Deals
Free Kindle Book - Critical Pursuit by Janice Cantore (was $13.99)
Added on : Tuesday February 04th 2014 08:00:15 AM
g: 1 Posted By: remick
Views: 269 Replies: 0 http://www.amazon.com/Critical-Pursuit-Janice-Cantore-ebook/dp/B...

4.5 out of 5 stars (58 customer reviews)

Officer Brinna Caruso has built a reputation at the precinct as the cop to call when a child goes missing. For Brinna, its personal because she was once one of them. Brinna and her K-9 search and rescue dog, Hero, will stop at nothing to find a missing child, no matter the stakes.
Detective Jack OReilly isnt ready to return to his homicide duties, after losing his wife to a drunk driver. Hes on the downside of his career, and bent on revenge, when hes assigned as Brinnas partner. While on patrol, Jack struggles between his quest for personal justice and his responsibility to those around him, especially his partner.
Skeptical of Jacks Motives, Brinna isnt sure she can rely on her new partner, whose reckless abandon endangers the safety of those around him. But when a man surfaces with an MO similar to the criminal who abducted Brinna twenty years earlier, Brinna and Jack must cast aside previous judgments and combine efforts to catch the kidnapper, and finally allow Brinna the peace stolen from her as a child.
Books Deals

Amazon Coupons
g: 1 Posted By: remick
Views: 192 Replies: 0 http://www.amazon.com/dp/B008PX1UVW/

4.1 out of 5 stars (47 customer reviews)

Life can be hard . . . but food, faith, and fun are three amazing gifts from God to satisfy and refresh us every day. Yet all too often, we focus primarily on what we can not do, and what we should not eatwhich leaves us feeling deprived and depressed. Instead of being energized by following Christ, we waste our days feeling bored and burnt-out on our faith, while battling the guilt that comes from craving the food that we love. In If You Have a Craving, I Have a Cure, best-selling author and speaker Sheri Rose Shepherd encourages you to embark on a new adventure with faith and food. She reveals the food coaching tips that enabled her to lose over 50 pounds and keep it off, and shares fun recipes in celebration of the healthy, delicious food our God created for us to enjoy. Its time to let go of guilt, grab hold of grace, and recapture the life God craves for us to live! Taste and see that the Lord is good. Oh, the joys of those who take refuge in him! (Psalm 34:8)
Books Deals

Amazon Coupons
g: 0 Posted By: remick
Views: 64 Replies: 0 Sixty Acres and a Bride
http://www.amazon.com/dp/B006G2YPDO

4.4 out of 5 stars (145 customer reviews)

Sensational debut Historical Romance Finds Love on the Texas Range
With nothing to their names, young widow Rosa Garner and her mother-in-law return to Texas and the family ranch. Only now the county is demanding back taxes and the women have only three months to pay.
Though facing eviction, Rosa can't keep herself from falling in love with the countryside and the wonderful extended family who want only her best. Learning the American customs is not easy, however, and this beautiful young widow can't help but catch wandering eyes. Where some offer help with dangerous strings attached, only one man seems honorable. But when Weston Garner, still grieving his own lost love, is unprepared to give his heart, to what lengths will Rosa go to save her future?



Moonlight Masquerade
http://www.amazon.com/dp/B00AHY0TTG

4.0 out of 5 stars (82 customer reviews)

Lady Celine Wexham seems the model British subject. French by birth but enjoying life in 1813 as a widowed English countess, she is in the unique position of being able to help those in need--or to spy for the notorious Napoleon Bonaparte. When Rees Phillips of the British Foreign Office is sent to pose as the countess's butler and discover where her true loyalties lie, he is confident he will uncover the truth. But the longer he is in her fashionable townhouse in London's West End, the more his staunch loyalty to the Crown begins to waver as he falls under Lady Wexham's spell. Will he find the proof he needs? And if she is a spy after all, will he do the right thing?
Ruth Axtell deftly creates a world where black and white burst into a confusion of colors and no one is who they seem. Readers will be hooked from the very first scene to the final page.
Books Deals

Amazon Coupons
g: 1 Posted By: remick
Views: 228 Replies: 0 http://www.amazon.com/Office-365-Migrating-Managing-Business-ebo...

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



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



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


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

-Methods of planning and migration

-Office 365 management best practices

-Using Office 365 SharePoint to improve business processes

-Troubleshooting Office 365 installations

-Using Compliance, eDiscovery and Data Loss Prevention tools

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

Amazon Coupons
2-pk. Mens Camo Winter Hat - $7.99 w/ FS @ Tanga
Added on : Tuesday February 04th 2014 04:00:05 AM
g: 1 Posted By: ksenn
Views: 158 Replies: 1 Tanga has a 2-pk. Men's Camo Winter Hatsfor $7.99 with free shipping. These are those stretchy ski caps, so they should fit a wide variety of head sizes. Also, even though they say they're men's hats, I think they'd look cute on a woman and be just as effective at doing hat-things.
Clothing Deals

Tanga Coupons
Spend $200 and get Audeo PFE 122 for free @ earphonesolutions.com
Added on : Monday February 03rd 2014 09:00:02 PM
g: 0 Posted By: gaspra
Views: 10 Replies: 0 For those of you looking for high-end earphones,earphonesolutions.com is running a special:

Spend $200 and get a pair ofAudeo PFE 122with inline mic for free after coupon FREE122

Not sure how long the promotion lasts. I only shopped there once but had great experience with them.
Proflowers - Buy 1 Bouquet get another for 9.99 + shipping and handling
Added on : Monday February 03rd 2014 03:00:03 PM
g: 0 Posted By: ChozenOne
Views: 337 Replies: 0 At ProFlowers.com enter the coupon code CRUSH10 and get any second bouquet for 9.99.

This will also work on the bouquet and candy gift sets. The only downside is that they will charge you shipping on all of the items like normal, however if you are looking at doing something outlandish (like a gift a day for Valentines), then you can get 2 sets of flowers and 2 sets of Strawberries for around $136 shipped. Maybe not a deal to all, but for those looking to go crazy or who may have more than one person to buy for (Mom and Wife, Wife and Girlfriend it may be worth it.

NOTE: Sadly you can NOT combine offers, so this will NOT work with LivingSocial deal or any other codes.
Flowers & Gifts Deals

ProFlowers Coupons
g: 0 Posted By: heyyl0w
Views: 172 Replies: 0 Sears has the Kenmore 6-Slice Black Convection Toaster Ovenfor $50. Shipping is free with Shop Your Way Max or you can pick it up in-store. Shipping fee is $5.75 if neither of those options are for you.

Site says regular price is $75.

Kenmore 6-slice black convection toaster oven lets you cook up quick snacks, simple meals and tender meat
Oven quickly circulates warm air for even heat distribution
Convection technology ensure food is evenly cooked throughout
Cooks perfectly browned toast and bagels, flaky pie crusts, crispy pizza, tender meat and more
Ready indicator light alerts you when food is done
Automatic shut off safety function
Removable crumb tray
Comes with an easy clean bake pan and a broiler rack
Oven has two interior racks
Dimensions are 10.25" x 18.75" x 13"

Appliance Deals

Sears Coupons
Sell or Keep this Rental Property
Added on : Monday February 03rd 2014 11:00:18 AM
g: 0 Posted By: callthedr
Views: 83 Replies: 4 I know there are similar threads to this but when it comes to deciding whether to keep or sell a rental property, I figure each situation is unique and I wanted to see what advice people had for this situation:

We bought a condo in 2001 for $170,000, which we lived in until 2007 when we moved to another house. We now owe around $224,000 (we took equity out of it in order to get a down payment on the house we currently live in). We just did a refi eight months ago for 15 years at 3.0% so we'll have it paid off in a little less than 15 years. However, we lose around $5,000 to $6,000 a year in cash flow (although that could be lowered a bit if we keep it since we'll be able to raise the rent as the current tenant is moving out and the rent is kind of low now). And that's with having the same good tenant in there for seven years now and never having to re-paint or find a new tenant, etc. and deal with those extra costs. They were only selling for around $260,000 a few years ago but now a few have sold in the $340,000 range or even higher. Ours is not fixed up as much as some of the condos in the complex so perhaps a $330,000 selling price might be a best guess. I figure that after a few fix-ups on the place, realtor commission, taxes, etc., we could maybe walk way with $30,000 or so in cash after it's all said and done.

Our income is steady and pretty decent so we are able to absorb the cash losses without much trouble but I'm not sure it's the best thing to have a negative cash flow for 14+ more years before finally paying it off and making money off the thing. We do pay off more than $1,000 of principal each month since our interest rate is low and it's a 15 year loan, so I guess technically we're coming out ahead each year as far as net worth goes but not cash-wise.

The condo is in a nice area of Southern California, about 4 miles from the beach, so it's an area where rents and prices of houses are likely to rise over the years.

Finally, I don't want to regret getting rid of it if it doesn't make financial sense. But I'm not too fond of being a landlord and if financially, either decision is justifiable, I'd rather just not have the headache of being a landlord and have the extra savings to pay off my wife's school debt, save for kids college, etc. Any advice that people have would be appreciated. We talked to a professional advisor that we trust. I think he kind of favored keeping it but he more or less said it comes down to the question of whether or not you want to be a landlord or not. He thought if we didn't want to be a landlord, it's fine to sell since he knows we'll do something useful with the money and not just waste it. Thanks.

Real Estate Deals
Discover Card $500 Cashback Bonus Offer (targeted)
Added on : Monday February 03rd 2014 07:00:09 AM
g: 0 Posted By: fozzy13
Views: 312 Replies: 3 I noticed this offer after signing into my Discover account today under "ways to earn more." I presume it's a targeted offer, but worth checking your account to see if signup is available. Easy money for those who don't need to generate MS.

$500CashBack BonusOfferSpend $3,000 every month 03/01/2014 - 07/31/2014 and then get$500CashBack Bonus

Offer Details
1.SIGN UP PERIOD: 02/01/2014 THROUGH 03/04/2014
2.Use your Discover card to make at least $3,000 in purchases each calendar month from 03/01/2014 through 07/31/2014.
Example:
March $3,000 Spring Break plans, Gas, cell phone bills
April $3,000 Transportation, garden supplies, groceries
May$3,000 Mother's Day, wedding gifts, online shopping
June$3,000 Father's Day, graduation gifts, transportation
July$3,000 Summer trips, gas, home improvement

Track your progress each month with our Dashboard during the promotional period.

3.That's it $500CashBack Bonuswill be yours.


Credit Deals
Discover Card $500 Cashback Bonus Offer (possibly targeted)
Added on : Monday February 03rd 2014 06:00:20 AM
g: 0 Posted By: fozzy13
Views: 30 Replies: 0 I noticed this offer after signing into my Discover account today under "ways to earn more." I presume it's a targeted offer, but worth checking your account to see if signup is available. Easy money for those who don't need to generate MS.

$500CashBack BonusOfferSpend $3,000 every month 03/01/2014 - 07/31/2014 and then get$500CashBack Bonus

Offer Details
1.SIGN UP PERIOD: 02/01/2014 THROUGH 03/04/2014
2.Use your Discover card to make at least $3,000 in purchases each calendar month from 03/01/2014 through 07/31/2014.
Example:
March $3,000 Spring Break plans, Gas, cell phone bills
April $3,000 Transportation, garden supplies, groceries
May$3,000 Mother's Day, wedding gifts, online shopping
June$3,000 Father's Day, graduation gifts, transportation
July$3,000 Summer trips, gas, home improvement

Track your progress each month with our Dashboard during the promotional period.

3.That's it $500CashBack Bonuswill be yours.

PNC bank Checking Bonus Promotion $200 - DD and Billpay req
Added on : Monday February 03rd 2014 05:00:14 AM
g: -1 Posted By: glidingone
Views: 97 Replies: 2 PNC Bank has started to offer a $200 checking account bonus. This is an upgrade to the banks usual $150 bonus. You still have to be careful to avoid monthly service charges. Heres the link: http://www.offers.pnc.com/checking/100_reward/search.html?WT.mc_...
The offer is scheduled to end on 2/28/2014. You can open the account online or choose to have them email you a coupon to take to a branch. Here's a summary of the requirements to qualify for the bonus:

Open a Virtual Wallet with Performance Spend online or at a branch using the appropriate coupon by 2/28/2014.
Establish a qualifying Direct Deposit totaling at least $2,000 within 60 days of account opening
1 payment must be completed via PNC Online Bill Pay within 60 days of account opening

The small print at the bottom of the page states the following:
Offer only available to residents of AL, DC, DE, FL, GA, IL, IN, KY, MD, MI, MO, NC, NJ, NY, OH, PA, SC, VA and WI.
This list of states is larger than last years promotionThe small print also includes what they consider as a qualifying direct deposit:
A qualifying Direct Deposit is defined as a recurring Direct Deposit of a paycheck, pension, Social Security or other regular monthly income electronically deposited by an employer or an outside agency into a Performance or Performance Select Checking Account, or the Spend Account of a Virtual Wallet with Performance Spend. The total amount of all qualifying Direct Deposits credited to your checking account must be at least $2,000. Credit card cash advance transfers, transfers from one account to another or deposits made at a branch or ATM do not qualify as Qualifying Direct Deposits.
Also in the small print it describes that existing customers won't qualify:
New account will not be eligible for offer if any signer has signing authority on an existing PNC Bank consumer checking account or has closed an account within the past 90 days, or has been paid a promotional premium in the past 12 months.
Monthly Fees & Virtual WalletIt's important to note that the bonus requires opening a checking account that has potential monthly service fees. The Virtual Wallet checking account used to be a free checking account. There are now three versions of the Virtual Wallet checking account. The Performance Spend version thats required for this bonus has monthly service fees. To avoid a $15 monthly service charge, you need to meet at least one of the following:

$2,000 average monthly balance in Spend + Reserve
OR, $2,000 monthly qualifying direct deposit
OR, $15,000 in any linked eligible accounts


all credit to: http://www.depositaccounts.com/blog/2014/02/pncs-200-checking-ac...

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

Soft pull/Chexsystems when I applied in May 2014 for such an account - allows push and pull ACH transfers but does not allow those for the bonus (bonus $2,000 has to be a true DD as far as I know - YMMV)


Deposits Deals
Intel i7-4770K $290 @ Amazon
Added on : Monday February 03rd 2014 12:00:03 AM
g: 1 Posted By: yummers
Views: 45 Replies: 1 Not a bad deal for those without Microcenter around them

Linky: http://www.amazon.com/Intel-i7-4770K-Quad-Core-Processor-BX80646...
Processors & CPU Deals

Amazon Coupons
Gaming the myRA (small game)
Added on : Sunday February 02nd 2014 05:00:08 PM
g: 0 Posted By: dshibb
Views: 1 Replies: 0 It's been a while since I've been on here as I've been very busy the last few months (expect to continue to be).

I thought I would chime in here on the myRA. Thisthreadwas a good start, but seemed to be filled with tangents so I figured it made sense to start a new one focused on how to actually benefit from this thing.

The details that have been mentioned already, but need to be rehashed:

As correctly pointed out it's not a new retirement account. I had a collective laugh as essentially not a single financial news writer in the media got this, right. I.e. it's not "like a Roth IRA." It IS a Roth IRA. The president doesn't have the authority to create a new tax sheltered account by executive order. He (or by extension Treasury)does however arguably have theauthority to create a new government bond or expand the usage of an existing bond.
myRA is essentially the expansion of an existing T Bill called the G Fund to non federal employees. Treasury has the authority to make this T Bill available under the **custody** of the Federal Government. Therefore, the federal government is ****becoming another custodian for small Roth IRAs****. That is all that is happening. They're just another Schwab/Fidelity/Vanguard for Roth IRAsthat only invest in one security.
Since the myRA is not a new vehicle, but a new custodian of an existing vehicle their is no expansion of contribution limits, rules, etc. for retirement accounts for anyone. It's not a way to double up on contributions or anything.


What does also need to be understood is that G-"Fund" is actually a great deal to it's purchaser and a bad deal to the US government. The "fund" is a specially created T-Bill that gets a weighted average yield of all US Treasuries with a maturity over 4 years. In effect this is a T-Bill with the yield of the 10 year Treasury.

For this reason, the bond acts as a supercharged floating rate Treasury. As rates rise long bond holders who are getting the **same** interest rate as you get in the G-Fund get hit, but you can ride the security all the way to 6%, 7%, 9% 10 year yields with no capital losses.


Now I realize it's only max $15k, but I already started trying to figure out how to game this for use for those that are under the Roth AGI limits:

The fact sheets already out are saying that people that are eligible are not only those without employer provided plans, but also those that would like to "supplement an existing plan". So it's quite clear that you can have an existing employer plan and still use this.
The fact sheets are a little vague as to whether or not it has to run through an employer to set upin the future, but practically speaking I don't think this could be an issue. It already says that if you moved employers you could continue to contribute to it regardless of what the employer wanted to do. Furthermore, lets say it required an employer to participate at first we're talking about tiny employers here who don't have 401k's so I would bet that something as simple as a TIN number would be sufficient to have a person count as an "employer". TIN's can be obtained in all of 2 minutes on a gov website. Furthermore, tiny employers don't care so I would bet that they'll just have to allow people to sign up direct without their employer in order to show any positive results anyway.
***Key language: "Account holders can build savings for 30 years or until their myRA reaches $15,000whichever comes first. After that, myRA balances will roll over to private-sector U.S. Department of the Treasuryretirement accounts." I would define the word "reaches" as when the balance hits $15k not when the account has had $15k in combined principal and earnings. So the way I read it is that as long as you prevent your account from hitting $15k and triggering the forced rollover you can keep it there for 30 years.
That's not useful without also pointing out: "Your contributions can be withdrawn tax free at anytime".
Now the last part that still needs to be figured out is whether or not you can do direct partial rollovers or 60 day rollovers with the funds. From a processing standpoint I believe the Federal Government can block the former, but from a legal standpoint (since they would have to be subject to all of the Roth IRA rules) the latter IMO would have to be legal. So at any time you could rollover pieces of this thing to another Roth IRA by simply taking a distribution and then recontributing to another Roth IRA within 60 days.
Another question is whether or not a person is barred from opening another after one previous account has already hit $15k. I would suspect yes, but that would only make things even easier and not affect your ability to take advantage of the special security.


So the way to play this vehicle is when interest rates are low and will be rising over a long time throw on a rather large payroll deduction to get about ~$13-14k into the account over 3 years and then stop the payroll deduction. This move should come with a commensurate decrease in other fixed income positions elsewhere. Then roll out blocks of money to prevent it from triggering the $15k to end the account. When interest rates are running higher and one would reasonably assume to trend lower over time then yank out almost the entire balance except a few dollars and redeploy it in a different Roth IRA within 60 days as a rollover.


Or you can also say that it's just not worth the hassle for a max $15k which is also a perfectly acceptable answer as well.
Investing Deals
g: 0 Posted By: remick
Views: 124 Replies: 0 How To Kill Cancer Cells
http://www.amazon.com/How-To-Kill-Cancer-Cells-ebook/dp/B00BH45Q...

5.0 out of 5 stars (12 customer reviews)

Natalie Mitchells Amazon Best Seller second book How To Kill Cancer Cells sets out clear guidelines for readers to create a bodily environment in which cancer cells cannot thrive. Everybody has cancer cells and with the medical technology available nowadays doctors can only diagnose cancer disease when people already have developed BILLIONS of active cancer cells in their body. While the information itself is easy to understand, the Authors clear message is that we, as individuals, can control our susceptibility to Cancer, eliminate Cancer cells and prevent and avoid the disease by controlling and neutralizing, rather than unwittingly nourishing, the bodys natural Cancer cells and their growth.

Natalie Mitchell is an international consulting Nutritionist specializing in cancer prevention and recovery for her clients. For over a decade she has counseled both the healthy and those with Cancer on how to achieve prevention as well as recovery through optimized daily nutrition and diet.

In How To Kill Cancer Cells Ms. Mitchell shares her extensive knowledge and understanding of the extraordinary power of diet and nutrition in preventing and neutralizing Cancer. Her book includes chapters of specific practical advice for those who wish to take an active and personal role in making sure they remain Cancer-free, backed up with frequent reference to research papers from both mainstream and alternative medical sources.



Fight Now: Eat & Live Proactively Against Breast Cancer
http://www.amazon.com/Fight-Now-Proactively-Against-Breast-ebook...

4.5 out of 5 stars (22 customer reviews)

Dr. Tabors FIGHT NOW book provides information on lifestyle choices that might improve breast health and overall health. The purpose of Dr. Tabors medical research is to empower you to become proactive against breast cancer now with specific food and lifestyle choices. We can make specific food and lifestyle choices to lower the risk of getting breast cancer, risk of recurrence, and risk of dying from breast cancer. The only alternative is to be reactive after you get breast cancer or have a recurrence of breast cancer. The choice is clear

Whether you are currently fighting breast cancer; are a survivor; or, simply trying to lower your risk, Dr. Tabors FIGHT NOW book will give you concise, critical information that you can start using today. You dont have to read hundreds of pages, or have a medical degree to reduce your cancer risk. Spend just a few hours reading this book and you will be empowered to Fight Now.

Books & Magazines Deals
g: 0 Posted By: DaysFan
Views: 112 Replies: 1 Valid from February 02 - February 08
linked
http://www.toysrus.com
50% OFF FISHER-PRICE Rainforest Melodies & Lights Deluxe GymReg. $69.99Sale $34.99RED HOT DEALSKU: 575221

http://akimages.shoplocal.com/dyn_li/400.0.90.0/Retailers/ToysRUs/140202_pTRU1-2996536dt.jpgLimit 2 offers per customer. Red Hot Deal items cannot be combined with any other offer, except gift with purchase offers.shoprunnerEligible for FREE 2-Day Shipping

Free Standard Shipping on ANY purchase of $49 or more

The Fisher-Price Rainforest Melodies and Lights Deluxe Gym is a delightful gym with music, lights, nature sounds and plenty of activities and textures to stimulate your growing baby. The activity gyms comfy floor quilt has a soft, silky border and colorful arches supported by a friendly giraffe. A variety of links lets you attach toys up above or down below. Rainforest friends are everywhere your baby looks. Theres a soft monkey, a jingly toucan, an elephant and a parrot with a spinning paddle. Movable and stationary activity toys encourage your baby to explore the overhead gym or enjoy some tummy-time play. Your baby can also enjoy a spinner with rattling beads, spinning butterflies, a shiny mirror and a crinkly leaf for peek-a-boo fun. You can choose four fun tunes or rainforest sounds to play for your baby for up to 20 minutes.


The magical world of the rainforest comes to life with music, lights, nature sounds, and lots of activities and textures to stimulate your growing baby with the Rainforest Melodies & Lights Deluxe Gym from Fisher-Price! The comfy floor quilt has a soft silky border and colorful arches supported by a friendly giraffe. A variety of links let you attach toys up above or down below. Rainforest friends are everywhere-a soft monkey, jingly toucan, elephant and parrot with spinning paddle. Movable and stationary toys encourage exploration on the overhead gym or for tummy-time play. Baby can also enjoy a spinner with rattling beads, spinning butterflies, a shiny mirror and a crinkly leaf for peek-a-boo fun. Choose four fun tunes or rainforest sounds to play for up to 20 minutes. Quilted playmat: machine wash cold in a pillow case, line dry. Adult assembly required. Dimensions: 32.5"L x 32.5"W x 20"H. Weight: 4.5 lbs.

Since 1930, Fisher-Price has been in business to create toys that fascinate and stimulate a child's imagination. The whimsical nature and magical surprises of those first Fisher-Price toys quickly caught on and became the hallmarks of Fisher-Price ever since. Fisher-Price supports today's families with young children through our breadth of products that includes GeoTrax, Imaginext, Little People, Laugh and Learn, Thomas the Tank, Thomas and Friends, Elmo, Dora the Explorer, Go Diego Go, Sesame Street, Smart Cycle, Ni Hao Kai-Lan, Toy Story and other learning toys and pretend play items.
Legal Statements: WARNING: Adult supervision required


Toys Deals
America's Best Coffee (Amazon) - 25% off promocode: AIRROAST
Added on : Sunday February 02nd 2014 04:00:04 AM
g: 0 Posted By: onlypinkfloyd
Views: 64 Replies: 0 For those of you who were not able to jump on the now expired deal (or want more of it) - http://www.fullofdeals.com/forums/expired-deals/1338087/
Use Promo code AIRROAST for 25% off
Yet to try this beans, will update once I am done with the current beans in my espresso machine

Free Kindle Book- The Lost Encyclopedia of Palmistry (was $12.95)
Added on : Saturday February 01st 2014 04:00:08 AM
g: -1 Posted By: remick
Views: 252 Replies: 0 http://www.amazon.com/Lost-Encyclopedia-Palmistry-pathway-unders...

The reading of the palm has been turned into a parlor game or swindle of the roadside fortune teller for the amusement of of those seek shallow entertainment, but not so long ago this Palmistry was a practice with merit and held in regard with any of today's psychology methodologies.

Here we have the exhaustive volume that reveals in great detail the science and secrets by which a persons character and propensity for future behaviors may be discerned.
By using these methods much can be learned, not only about others, but about oneself.
Books Deals

Amazon Coupons
A Couple of Tax Questions
Added on : Friday January 31st 2014 05:00:12 PM
g: 0 Posted By: investingstuff1971
Views: 65 Replies: 0 Hey,

I'm working through my taxes (using Tax Act0 and I have a couple of questions. I hope that this isn't off-topic. I recall that back in the day there was a stickied thread devoted to tax questions but I don't see it now. Anyway, here goes:

I have a Wellstrade brokerage account which includes just a bunch of Vanguard mutual funds. I'm in the process of working my way through the wizard to enter the information for the associated 1099-Div and I'm stuck on the foreign tax stuff. Line (6) says that I paid $288.63 and line (7) says 'See Detail Section.' So, I have a few questions. The first one, is that no where in the 'Detail Section' does it tell me to which country I paid those foreign taxes. The software includes the option 'VARIOUS' which is what I chose. I'm assuming that these funds invest in a lot of different countries and that's the right answer, but still the form does say anything explicitly, so I thought that I'd throw that out there. The real problem is this next bit it prompts me for:
Tax Act Software said: When foreign tax is withheld from dividends, additional information may be needed to enable the proper handling of the entries for Various on the Form 1116, Foreign Tax Credit. Please enter the following information if it applies to you for First Clearing LLC. Previously made entries are shown below, if the foreign portion is different, modify as necessary.

Foreign source ordinary dividends:
Foreign source qualified dividends:
Foreign source capital gain distributions:

Check to indicate how to treat this income for the foreign tax credit on Form 1116:

Passive category income General category income

Check here if these entries are for a mutual fund or a regulated investment company


The three values that the software uses as defaults are the same values I entered earlier from lines 1a, 1b and 2a. I'm assuming that that's not right, but I really don't understand what values I'd use there. How do I figure out what portion of my dividends / capital gains are foreign source? Also, I'm assuming that I should check 'Passive Category Income' and not 'General Category Income.' Is that right? If anyone could explain to me what this all means, I'd really appreciate it. I've spent that last 90 minutes, googling and I can't find the answers to any of my questions.

Thanks!

Tax Deals
Breaking Bad Complete Series (Blu-Ray) Amazon UK Region Free $105.14
Added on : Friday January 31st 2014 12:00:03 PM
g: 1 Posted By: Flipit
Views: 174 Replies: 1 Breaking Bad Complete Series (Blu-Ray) Amazon UK Region Free $105.14


For those not familiar with Amazon UK, Blu-Rays are Region Free and will play anywhere about 99.9% of the time

I have purchased over 20 boxed sets from them and NEVER had a problem

BAD LINK
Blu Ray Deals

Amazon Coupons
Kiddie Tax???
Added on : Friday January 31st 2014 10:00:17 AM
g: 0 Posted By: roboian
Views: 197 Replies: 6 Hey, everyone. New(ish) member, long time reader. I've just started doing my 2013 tax return and was wondering how people feel about the kiddie tax (Form 8615). I understand that its purpose is to prevent parents from paying lower income taxes by putting investments in their children's names, but my case is a little bit different. I'm a 20 year old college student that did some of my own investments, and now appear to be required to pay tax on those investments at my parents (higher) tax rate. Some details:

20 year old, full time student
~2,000 in earned income (wages)
~2,500 in investment income (around $600 interest, the rest capital gains)
Claimed as a dependent on my parent's taxes

Does anyone know of any (legal) ways to get around this kiddie tax? The investments were my own and it seems as if my situation is a flaw in the system.
Tax Deals
What to do with 503b account?
Added on : Friday January 31st 2014 06:00:08 AM
g: 0 Posted By: valvo23
Views: 80 Replies: 1 My wife has an old503b account through her workvia ING. She started it prior to us getting married and since then her school system changed from ING to another company and for whatever reason the money wasn't transferred to the new company and she no longer has been contributing to a 403b. I'm not too familiar with a 403b though from what I've read appears similar to a 401k. The account balance isn't much, around 5k. I'd like for us to move those funds into an account that we are contributing to, like a Roth IRA. Is that a good idea? Or, should she see if her school's HR/Payroll dept can roll it to the new 403b company or other suggestions?
Personal Finance Deals
Nook Book Free Friday's - Bear is Broken by Lachlan Smith @ B&N.com
Added on : Friday January 31st 2014 04:00:09 AM
g: 0 Posted By: canavja
Views: 100 Replies: 0 Free today only -
http://www.barnesandnoble.com/w/bear-is-broken-lachlan-smith/1110433841?ean=9780802193698&itm=1&usri=bear+is+broken

Overview
Leo Maxwell grew up in the shadow of his older brother, Teddy, a successful yet reviled criminal defense attorney who racked up enemies as quickly as he racked up acquittals. As children, their father was jailed for the murder of their mother, and Teddy was left to care for Leo who tried to emulate his older brother, even following him into the legal profession.

The two are at lunch one day when Teddy, supposed to give the closing argument of his current trial that afternoon, is shot: in public, in cold blood, the shooter escaping without Leo being able to identify him. As Teddy lies in a coma, Leo comes to the conclusion that the search for his brothers shooter falls upon him and him alone, as his brothers enemies were not merely the scum on the street but embedded within the police department as well. As he begins to examine the life of a brother he realizes he barely knew, Leo quickly realizes that the list of possible suspects is much larger than he could have imagined.

The deeper Leo digs into Teddys life, the more questions arise: questions about Teddy and his ex-wife, questions about the history of the Maxwell family, even questions about the murder that tore their family apart all those years ago. And somewhere, the person who shot his brother is still on the loose, and there are many who would happily kill Leo in order to keep it that way.

Three reviews - 4.5 out of 5 stars
Totally Free Deals
g: 0 Posted By: Deals4mykids
Views: 101 Replies: 0 Dizbee Sale - Fleece Lined Full Face Winter Mask - Limit 1 per customer! for $7 + free shipping

http://www.dizbee.com/deal/Fleece-Lined-Full-Face-Winter-Mask-MA...

During the winter months, a particularly cold spell of weather can make just stepping outside a harrowing experience. Stay warm and protect your skin from the harsh elements with this Warm Winter Fleece Balaclava. Made from soft fleece and 3-layer elastic, this hooded mask covers your face everywhere around the eyes to keep your skin safe from the cold. It can be worn so if fully covers your face, as a hood, or in a number of other ways to keep you comfortable. It's a must have for those who live in cold, icy climates to protect you from the elements.

Polyester fleece neck area
3-layer elastic chin, nose & mouth
Great for layering in extra cold weather
One size fits most
Clothing Deals
g: 0 Posted By: remick
Views: 75 Replies: 0 http://www.amazon.com/Breville-presents-Coffee-Design-USA-ebook/...

In Coffee by Design, culinary science expert Harold McGee shares his thoughts on the essential elements to crafting the perfect coffee, while The Joy Of Coffee author Corby Kummer explains why milk is not always a four-letter word to those who love coffee. In addition, the eBook digs into the heritage of the Aussie coffee scene and taps into our inner baristas for replicating cafe recipes at home.
Totally Free Deals
g: 0 Posted By: slervik
Views: 230 Replies: 0 On or Before Sunday, February 2, order $15 or more from Papa John's and enter coupon code "PJMVP" during checkout.

25 Bonus Papa Rewards Poins will be depostited into your account. Then, from Monday, February 3rd - Sunday February 23, use those points to get a free pizza!

Choose up to 3 toppings to put on your free pizza! Click here to learn how to enter promo codes.

Click here to view the entire Papa John's Superbowl Sale

Restaurants & Entertainment Deals
g: 0 Posted By: remick
Views: 85 Replies: 0 http://www.amazon.com/dp/B007K7FMAE

What do you say when someone at work asks you why the gospel stories differ? How do you answer your neighbor when she asks what you think about all those "errors" in the Bible?Glenn Pearson offers simple, accessible principles that provide any Christian with the tools he or she needs to confidently respond to skeptical inquiries.
Books Deals

Amazon Coupons
g: 0 Posted By: doctorofcredit
Views: 95 Replies: 0 Sign up for an asterix free checking account and make a direct deposit within 60 days of account opening. No hard pull and ACH transfers count as the direct deposit. Huntington bank always pays promos promptly.

Keep the account for a minimum of six months to avoid paying an early account termination fee of $25.

​Link to offer

Wish I lived in the promo area, hope some of you take advantage of it.

Fine print:

1Set up your direct deposit into your new checking account within 60 days of account opening and be sure at least one single direct deposit is made in the amount of $500 or more. Your direct deposit needs to be an electronic deposit such as your paycheck or pension from your employer or government benefits (such as Social Security) from the Government. Your $150 bonus will be deposited into your new checking account within 90 days of account opening as long as the above requirement is met. For tax purposes, youll receive a Form 1099-IN from us for your bonus. New account must remain open to receive the bonus deposit and for a minimum of six months to avoid an Early Account Closing Fee. This offer is available on new Huntington checking accounts in Ohio, Michigan, Indiana, Pennsylvania, Kentucky and West Virginia. Offer is not available to existing Huntington checking customers including fiduciaries or those with checking accounts closed within the last six months. Bank reserves the right to limit each customer to one new account related gift per calendar year.

Huntington is not responsible for and will not honor promotional offers that appear on third party websites not affiliated with, or authorized by, The Huntington National Bank.

Asterisk-Free Checkingis a federally registered service mark of Huntington Bancshares Incorporated.
Deposits Deals
g: 0 Posted By: heyyl0w
Views: 135 Replies: 0 Amazon has 16-pks. of Happy Baby Organic Baby Food 1 Starting Solidsin Fresh Mango (3.5-oz.) for $10.28 with free shipping when you checkout via Subscribe & Save. Positive reviews and great prices for organic baby food.

Certified organic, non-GMO ingredients
No gluten, soy, dairy or added sugar
Convenient for on-the-go
Ships in Certified Frustration-Free Packaging

There are other flavors available for a bit more, but those that I could research are still price lows compared to their usual price.

Apple - $18.21
Banana - $20.35
Butternut Squash - $25.75
Green Beans - $20.22
Mixed Carrots - $18.78
Peach - $20.35
Pear - $17.58
Sweet Potato - $24.90

Baby Deals

Amazon Coupons
Scooby-Doo 1 & 2 Collection (Blu-ray) - $6.96 @ Amazon
Added on : Wednesday January 29th 2014 08:00:05 AM
g: 0 Posted By: slervik
Views: 142 Replies: 0 The Scooby-Doo 1 & 2 Collection (Blu-ray) is on sale at Amazon right now for $6.96 with Free Super Saver Shipping on orders over $35. Double Film Feature..woooooo!

"And I would have gotten away with it too, if it weren't for those meddling kids!"

LINK
Blu Ray Deals

Amazon Coupons
SiliconDust HD HomeRun Prime TV Tuner (HDHR3-CC) - $79.99 AC @ TigerDirect
Added on : Wednesday January 29th 2014 06:00:09 AM
g: 5 Posted By: slervik
Views: 326 Replies: 6 TigerDirect has the SiliconDust HD HomeRun Prime TV Tuner (HDHR3-CC) on sale for $99.99 - $20.00 coupon code "PHI115609" = $79.99.

If it wasn't the same one, there was one very similar to this, that was posted on here on the 27th for $99.00. So, now it's $20 cheaper for those interested.

You're able to connect this TV tuner with your cable service and have 1080p quality display.

LINK
Electronics Deals

Tiger Direct Coupons
g: 0 Posted By: jaymanthegreat
Views: 165 Replies: 0 The Twilight Saga: Breaking Dawn - Parts One And Two (Extended Editon) (Blu-ray + UltraViolet) (WalMart Exclusive) (Widescreen) $24.96


You Save: $15.03 (38%)

Movie Description:
Part One: In the highly anticipated fourth installment of, "The Twilight Saga", a marriage, honeymoon and the birth of a child bring unforeseen and shocking developments for Bella (Kristen Stewart) and Edward (Robert Pattinson) and those they love, including new complications with young werewolf Jacob Black (Taylor Lautner). Part Two: The astonishing conclusion to the series, "Twilight Saga: Breaking Dawn - Part Two", illuminates the secrets and mysteries of this spellbinding romantic epic that has entranced millions. After the birth of Renesmee, the Cullens gather other vampire clans in order to protect the child from a false allegation that puts the family in front of the Volturi."Forever: Filming Breaking Dawn Part 2" - Seven-part "making of" documentary, Chapter 1: "Rebirth", Chapter 2: "Renesmee", Chapter 3: "The Cottage", Chapter 4: "The Gathering", Chapter 5: "The Field", Chapter 6: "The Battle", Chapter 7: "Forever", "Two Movies at Once" Featurette, "The Forgotten" Green Day Music Video, "Jump to" Features, Audio Commentary with Director Bill Condon.Languages: English and Spanish, Subtitles: English SDH (Subtitles for Deaf and Hearing Impaired) and Spanish, Must Redeem Digital Offers by 3/2/2014.
Starring:
Kristen Stewart,Robert Pattinson,Taylor Lautner,Ashley Greene,Peter Facinelli,Elizabeth Reaser,Kellan Lutz,Nikki Reed

Studio Name: Universal Studios Home Entertainment
Blu-ray Release Date: 03/02/2013
Rating: PG-13
Format: Blu-ray
Screen Format: Widescreen
Run Time (in minutes): 232 minutes
Language: English
Audio Tracks: AC, Dolby Digital 5.1
Shipping Weight (in pounds): 0.28
Product in Inches (L x W x H): 5.5 x 0.5 x 7.44
.http://www.walmart.com/ip/Twilight-Saga-Breaking-Dawn-Parts-One-...
Blu Ray Deals

Walmart Coupons
50% off and FS on 6 items at shop.crystallight.com
Added on : Tuesday January 28th 2014 01:00:03 PM
g: 0 Posted By: nancita
Views: 56 Replies: 0 For those who only want 6 canisters, crystal light is offering 50% off and FS with coupon code NEWYEAR.
Grocery Deals
Signing a family member up for a prepaid card, tax/legal ramifications?
Added on : Tuesday January 28th 2014 09:00:12 AM
g: 0 Posted By: jcaserta
Views: 0 Replies: 0 So if for some reason I wanted to sign a family member or trusted friend who I have a very trusting relationship with up for a prepaid card, and use it myself to reload with my money via MPs/VRs and bill pay back to myself from, what sorts of things should I be aware of and documents should I keep? The first thing that comes to mind that makes me ask the question is taxes. Obviously in normal circumstances it wouldn't come up, but if heaven forbid either I or the family member got audited, would there be an issue? The account would have to be disclosed under the audit I assume? (I've never been in an audit) The account activity would have up to $5k max in loads every month and the entirety of that balance would then go back out as bill pays to my credit card. Since the money that's going to them is coming right back and there's no net gain on their part I would think there are no taxable implications other than having to keep good records.

So now the big question, what would those records look like? In my mind it seems like the CC statements, and all the receipts for reload products, would do it right?

Is there anything other than taxes that needs to be worried about when doing this?

Any input would be appreciated
45 Free & Open Texbooks eBooks from MIT OpenCourseWare
Added on : Tuesday January 28th 2014 05:00:20 AM
g: 0 Posted By: slervik
Views: 150 Replies: 0 MIT OpenCourseWare is offering 45 free and open ebook textbooks for students and those who just wish to have some. I've typed out and linked the list for those interested. Thanks!

1.571 Strutural Analysis and Control Spring 2004
2.017J Design of Electromechanical Robotic Systems Fall 2009
2.086 Numerical Computation for Mechanical Engineers Fall 2012
2.154 Maneuvering and Control of Surface and Underwater Vehicles (13.49) Fall 2004 (PDF)
2.158J Computational Geometry Spring 2003
3.11 Mechanics of Materials Fall 1999
6.001 structure and Interpretation of Computer Programs Spring 2005
6.003 Signals and Systems Fall 2011
6.00SC Introduction to Computer Science and Programming Spring 2011
6.02 Intro to EECS II: Digital Communication Systems Fall 2012
6.042J Mathetmatics for Computer Science Spring 2010
6.050J Information and Entropy Spring 2008
6.061 Introduction to Electric Power Systems Spring 2011
6.241J Dynamic Systems and Control Spring 2011
6.262 Discrete Stochastic Processes Spring 2011
6.641 Electromagnetic Fields, Forces, and Motion Spring 2009
6.701 Introduction to Nanoelectronics Spring 2010
6.901 Inventions and Patents Fall 2005 (PDF)
6.911 Transcribing Prosodic Structure of Spoken Utterances with ToBI January IAP 2006
16.863J System Safety Spring 2011
18.013A Calculus with Applications Spring 2005
18.S996 Category Theory for Scientists Spring 2003
21F.101 Chinese I (Regular) Spring 2006
21F.102 Chinese II (Regular) Spring 2006
21F.104 Chinese IV (Regular) Spring 2006
21F.502 Beginning Japanese II Spring 2005
21F.503 Intermediate Japanese I Fall 2004
MAS.632 Conversational Computer Systems Fall 2008
RES.12-000 Evolution of Physical Oceanography Spring 2007
RES.18-001 Calculus Online Textbook Spring 2005
RES.18-002 Introduction to MATLAB Spring 2008
RES.18-003 Calculus for Beginners and Artists Spring 2005
RES.18-004 The Torch or The Firehouse: A Guide to Section Teaching Spring 2009
RES.6-001 Continuum Electromechanics Spring 2009
RES.6-001 Electromagnetic Fields and Energy Spring 2008
RES.6-002 Electromagnetic Field Theory: A Problem Solving approach Spring 2008
REs.6-003 Electromechanical Dynamics Spring 2009
RES.6-004 Principles of Computer System Design: An Introduction Spring 2009
RES.6-010 Electronic Feedback Systems Spring 2013
RES.8-002 A WikiTextBook for Introductory Mechanics Fall 2009

Totally Free Deals
Over 50% off Select Items from Amazon's NFL Fan Shop
Added on : Tuesday January 28th 2014 05:00:16 AM
g: 0 Posted By: Solipsist
Views: 447 Replies: 0 Over 50% off Select Items from Amazon's NFL Fan ShopNot too much selection for the two teams going to the show, but there is a little more stuff available for those of us whose favorite teams didn't quite make it.  (FatWallet Deal Hunter staff posts are certified ad-free. No money, bribes, or candy have been accepted.)
Clothing Deals

Amazon Coupons
Disney Frozen Anna of Arendelle Doll
Added on : Tuesday January 28th 2014 04:00:04 AM
g: 0 Posted By: WiseTrent
Views: 59 Replies: 0 For those looking for Frozen dolls (like me)
check this out -- http://shop.mattel.com/product/index.jsp?productId=18337396&srcc...
This is the cheapest I found so far
g: 0 Posted By: MISTERCHEAP
Views: 85 Replies: 0 https://www.kelloggsfamilyrewards.com/en_US/promotions/get-five-dollars-with-kelloggs-healthy-starts-cereals.html


Must be a Kelloggs Rewards Member to participate, free to join the program.

LOOK FOR BOXES WITH THE SPECIAL $5 code logo, only those qualify.

Specially Marked Products Deals
Wells Fargo Opened Credit Card without my consent
Added on : Monday January 27th 2014 04:00:08 PM
g: 0 Posted By: dukeboy
Views: 136 Replies: 1 Wells Fargo is really trying to push into Credit Card business after all the money they made in mortgage.
A few months ago, I got a call from a local WF branch, offering me a new product, WF Amex card with 1% Cash Back for everything.
after telling me the reward, he was like, you will receive the card in a few days. ( without even asking for household income, ssn, birthday...).
I immediately told him, that I don't want this card.

Last week, got another call from local branch, he'd like to provide me a new product that is only available for premier account holder, visa signature Cash Back card.
I told him that I already have enough credit cards, and don't need this offer after he insisted many times. At the end, he said, he will mail me some information on the credit card.

The next day, I got a alert from my id monitor, and one hard inquiry showed up and a new credit card (visa signature CashBack) with $15k line in my WF account.
Again, without my consent or even asking those usual questions other credit card issuer normally ask before they approve a credit line.

looks like I'll have to double my MS activities to get the best out of this card.




Personal Finance Deals
Going with online lender vs local lender, what am I missing??
Added on : Monday January 27th 2014 08:00:11 AM
g: 0 Posted By: Charles1
Views: 90 Replies: 1 We are buying our first home and picking the right loan is becoming very frustrating. We plan on moving again in 6-10 years (when our then children are of school age) and we would like to save $$ on interest right now.
Our lowest middle credit score is 692.

We were quoted 3.625% for the 7/1 ARM by both lenders. Buyer pays PMI, monthly, and those numbers are within $10 of each other.

We have a quote from a local lender who is affiliated with our buyer's agent:
Origination fee $700
Appraisal $450
Title insurance - lender coverage - $275
Title insurance (seller pays) owner's coverage $850
Closing/Escrow/ Settlement $325
Recording fee $100

I called a company similar to AIMLoan (US Wide Financial) and they told me they do not charge any origination fee. Their interest rate and monthly payment breakdown are identical (+/-$20) as the local lender. I told them our credit info, house price, etc and he said they can do all the paperwork now and lock it in, sounds like the same deal but $700 cheaper.

Am I missing something? Our buyer's agent told us most realtors "frown" on internet lenders like AIM Loan especially when they are used for pre approval letters.

Personal Finance Deals
g: 4 Posted By: remick
Views: 238 Replies: 0 http://www.amazon.com/Capone-Photographic-Portrait-Americas-Noto...

A visual retelling of the rise and eventual fall of Chicago's most notorious gangster: Alphonse "Scarface" Capone. Comprised of many never-before-published photographs from theChicago Tribune's vast archives,Al Caponeis a look back in time to the Roaring Twenties and the early days of organized crime. This collection of historical photostaken from 1926 to 1952focus on Capone and those connected to him, including his family, mob rivals, and targets.

Many of these photographs have never been seen outside of Chicago's Tribune Tower, but all of them are high-quality scans of original glass-plate negatives, making them historically significant to both photography buffs and readers interested in Capone. The introduction by theChicago Tribune's associate managing photo/video editor details this process in an illuminating, fascinating fashion.

Al Capone's first section gives readers a look inside Capone's luxurious and illicit gangster lifestylevacation homes, mob funerals, gun-toting arrestsup to the time of the Saint Valentine's Day Massacre in 1929. The second part follows Capone's 1931 indictment, trial, and sentencing on charges of defrauding the government and violating prohibition. The third section introduces readers to a mob Target who evaded assassination for decades, and one who was not so lucky. The fourth part follows up with Al Capone's brother, Ralph, and the fifth part focuses on Capone's death.


Books Deals

Amazon Coupons
g: 0 Posted By: DaysFan
Views: 37 Replies: 0 you guys cleaned them out, but lucky for those that fit small or xxxllinked

Heathered Fleece 1/4-Zip Pullover

Item #: i29 709 068429449R

egular -$59.95$29.9929449

Tall -$69.95$29.99
Regular Item #: i29 709 068329449

Regular -$59.95$29.9929449T

all -$69.95$29.99
http://www.eddiebauer.com/catalog/submit_review.jsp?productId=45...

Live Your Adventure

New this year, our 1/4-zip pullover features soft, tightly knit polyester fleece that offers excellent warmth without weight. Trim profile makes it an ideal insulating layer, and a light-packing traveler.

Heathered 8.7 oz fleece fabricProvides breathable warmth without weight
Soft, tightly knit surfaceCuts wind chill
Standup collarAdded warmth at throat, clean appearance
Single chest pocketStows essentials


linked$89.95$34.99clearance

Classic Down VestRegular Item #: i01 709 504601449Regular -$89.95$34.9901449Tall -$99.95$34.99

Clothing Deals

Eddie Bauer Coupons
Seiki 39" 4k TV - 399 (After $100 MIR) or $449 YMMV Tigerdirect
Added on : Sunday January 26th 2014 09:00:09 AM
g: -2 Posted By: Jahx
Views: 501 Replies: 3 For those who missed out on the Amazon deal at $404.

Link to ad

Link to product

Details:

39" Class (38.5" Diagonal)LED 4K/2K Ultra HDTV; huge screen size to see every detail clearly
3 HDMI Ports; connect your Game console, DVD/Blu-Ray Player, Satellite TV and more
5000:1 contrast ratio; for sharper pictures
3840 x 2160 resolution; displays all images with excellent clarity
USB port; connects your USB device with ease
3840 x 2160 resolution only displays at 30hz, which means a max of 30 frames per second. This isn't a gaming monitor. Unless you are a console player.

As always, your mileage may vary. Some have had trouble with TigerDirect rebates - I personally haven't had a problem with them, but others have. You might want this to run 60hz - it doesn't, it won't so move along.

Having used this for productivity, I can tell you the screen real estate is amazing. If you were thinking of getting the Yamakasi 30" 2560x1600 @399 for productivity, you might want to consider this instead, assuming you have a card that can push it.
TV Deals

Tiger Direct Coupons
Tax Planning Strategies, 2014
Added on : Sunday January 26th 2014 07:00:06 AM
g: 2 Posted By: EricGo07
Views: 179 Replies: 3 FatWalleters,It is the season to think about taxes even more than usual; and specific to this thread, tax planning. I thought it might be informative to read stories of how people reduce their tax burden(s). Im personally less interested in those that pick up receipts off the floor at drugstores or other fraud games, and more interested in legal long-term tax reduction strategies. No doubt, circumstances differ and what works for one person will not work or be available to another. Even so, being able to consider is that something I could do too? is worthwhile.A note about SS: I have posted in another thread the mechanics behind SS payback. Please refrain from discussing general SS opinions in this thread, although I completely understand if a person embarks on strategies to reduce SS payments. Im one of them, since I have passed the second inflection point.



My strategies are for small business operations. Summary of the 2013 tax year:
~ 225 - 250k income + Roth conversion
Total taxes (SS+Fed+State) ~ 7,500 all SS

My business is organized as an LLC and taxed as an S-corp. My wife and I are the employees.The business had the following expenses that reduced pass-through profit:
1. Defined Benefit pension plans for each of us. This year > 100k contributed
2. 401(k) contributions to each of us as 6% of W-2 wages
3. Travel expenses (reportable amount is ~ 3x actual cost)
4. Health reimbursement account (HRA)
5. Accounting/Actuary costs ~ $3000
(1-5) cancel fed, state, and SS.

6. 401(k) employee contribution for each of us
7. IRA contributions for each of us.

The mojo behind the final tax liability is a combination of the defined benefit (DB) plan and W-2 wages calculated to be as low as possible to cover our home, and income requirements of the DB plan.Going forward, I plan to manipulate my AGI so that the maximum tax savers credit can be utilized to convert IRA savings to Roth without cost. My low combined W-2 has the additional benefit of maximizing my federal ACA credit for health insurance.
Tax Deals
Seiki 39" 4k TV - 399 (After $100 MIR) Tigerdirect
Added on : Sunday January 26th 2014 07:00:04 AM
g: 0 Posted By: Jahx
Views: 298 Replies: 2 For those who missed out on the Amazon deal at $404.

Link to ad

Link to product

Details:

39" Class (38.5" Diagonal)LED 4K/2K Ultra HDTV; huge screen size to see every detail clearly
3 HDMI Ports; connect your Game console, DVD/Blu-Ray Player, Satellite TV and more
5000:1 contrast ratio; for sharper pictures
3840 x 2160 resolution; displays all images with excellent clarity
USB port; connects your USB device with ease
3840 x 2160 resolution only displays at 30hz, which means a max of 30 frames per second. This isn't a gaming monitor. Unless you are a console player.

As always, your mileage may vary. Some have had trouble with TigerDirect rebates - I personally haven't had a problem with them, but others have. You might want this to run 60hz - it doesn't, it won't so move along.

Having used this for productivity, I can tell you the screen real estate is amazing. If you were thinking of getting the Yamakasi 30" 2560x1600 @399 for productivity, you might want to consider this instead, assuming you have a card that can push it.
TV Deals

Tiger Direct Coupons
g: 0 Posted By: healthylaugh
Views: 149 Replies: 0 NOTE: This is a standard plan (not some "special," but takes some digging to get these details straight, and is extremely helpful if you live near the border or travel frequently to one the 170 included countries).

5 person Family Plan on T-Mobile w/Unlimited T/T/Data (1st 500 MB @4G LTE, then 2G) is $23.61/person w/NO foreign roaming charge!!

NOTE: Here's a tip if phones such as the LG (E970) Optimus G for $180 is verified to obtain 4G LTE on T-Mobile's network... Especially for those of us living near the border or who travel often to one of the 170 included countries...

Go to http://www.t-mobile.com/cell-phon...navigationand look at Simple Choice $50. If you can add 4 people, for a total of 5 on a "Family Plan," the cost for each person goes to $23.61 for:

UNLIMITED:
Talk
Text
Data (1st 500 MB @ 4G/LTE, then throttled to 2G for rest of billing cycle)

NO foreign roaming charges in 170 countries (for instance, this includes FREE TEXTING & DATA while traveling in Canada & Mexico)

Here is the math:

1st phone $50
2nd line $30
3-5 lines $10/ea.

+ $1.61/mo./# - FED subscriber line fee

$8.05 = $1.61 x 5

$0 Sales Tax (if you subscribe in a Sales Tax Free state & go paperless billing)

$23.61/ea. = $118.05 / 5

To me, this is the deal of the century, especially with the NO Int'l. roaming thrown in!!

Just called T-Mobile: if you get 4 friends to go in on this, there is ONE bill and every person with access to the account (all 5 are allowed access if you wish) can see all the billing/CALL records. Basically, it's your own, little 5-person NSA. So, if you care about your call records, be aware.

Personally, I use Google Voice, so my billing records, at least for outbound calls, should only reflect my GV #, but I think "incoming" do display the calling party's # (EDIT: I do think I remember a setting in GV that allows you to label all incoming with your GV # on your call display as well, but I'm not certain about that).
Cell Phones Deals

T-Mobile Coupons
Got caught in a parking scam - got letter from a debt collector
Added on : Friday January 24th 2014 10:00:10 PM
g: 0 Posted By: HarleyQuins
Views: 79 Replies: 0 Hey all, I was hoping I could get some advice.

I parked at a private parking lot in Denver in August. Paid cash in one of those old style boxes with the slots - no receipt or electronic record. I came back later that night, and there was a "ticket" on my window for non payment - from a private company, not the city. Some of the neighbors approached me, and told me about a scam the lot owners were pulling where they wrote tickets, and used them as "evidence" to tow the cars, with their own tow company of course. It turns out the city busted them a few years ago. So I ignored the ticket, and haven't parked in the lot since.

Today I get a letter (dated 1/17) from a collection company, saying that STOP N PARK has assigned my debt to them, and I owe $57. They have my correct name, address, and plate number. I haven't gotten any alerts from CK or Credit Sesame, and my FICO is good, according to my Discover and Barclays statements from a few days ago.

I don't mind taking my lumps and paying the 57 bucks, but will they report it to the bureaus if I pay the debt collector directly? And if I send an "I dispute, please validate" letter, does the handwritten, private ticket count for debt validation, even though it wasn't valid in the first place?

Just trying to save my credit, thanks for all your help.
g: 1 Posted By: amdmaxx
Views: 369 Replies: 1 New Trent PowerPak Xtreme 12000mAh Rugged Water / Dirt / Shock proof Dual USB Port External Battery Charger ($14 off or $45.95 with code+ FS)

http://www.amazon.com/dp/B00DUKJ5CQ/
Main features:

-Water/Dirt/Shockproof

Rugged Series 5V@2A-1A Dual USB Charger charges 2 devices simultaneously. 2A output is for iPad/Tablet and 1A output is for iPhone/smartphones.

Compatible with most smartphone's (Apple, Samsung, HTC, Motorola, LG, Nokia, Blackberry, Sony, etc...) and 5V Tablets compatible devices.

Rigid and durable build makes the PowerPak Xtreme water proof, dirt proof, and shock proof. The ideal companion for those who enjoy camping, hiking, biking, and many other outdoor activities.

Promo Code: NTXTREME

$59.95 - $14 = $45.95
It has free shipping (Free 2 days with prime as well)
It's sold by iDealPoint and FS is available
Electronics Deals

Amazon Coupons
g: 0 Posted By: amdmaxx
Views: 134 Replies: 0 New Trent PowerPak Xtreme 12000mAh Rugged Water / Dirt / Shock proof Dual USB Port External Battery Charger ($14 off or $45.95 with code+ FS)

http://www.amazon.com/dp/B00DUKJ5CQ/
Main features:

-Water/Dirt/Shockproof

Rugged Series 5V@2A-1A Dual USB Charger charges 2 devices simultaneously. 2A output is for iPad/Tablet and 1A output is for iPhone/smartphones.

Compatible with most smartphone's (Apple, Samsung, HTC, Motorola, LG, Nokia, Blackberry, Sony, etc...) and 5V Tablets compatible devices.

Rigid and durable build makes the PowerPak Xtreme water proof, dirt proof, and shock proof. The ideal companion for those who enjoy camping, hiking, biking, and many other outdoor activities.

Promo Code: NTXTREME

$59.95 - $14 = $45.95
It has free shipping (Free 2 days with prime as well)
It's sold by iDealPoint and FS is available
g: 0 Posted By: WideOpenSpaces
Views: 202 Replies: 0 This isn't as lucrative as the current Radio Shack trade in deal, but for those looking to save on already overpriced Toys-R-Us items, this could be for you.

From 1/24-2/17, you can trade in your old gear or furniture and receive 25% off a new item plus a coupon book with over $100 in savings.

frequently asked questions
What can I trade in?
You can trade any cribs, car seats, bassinets, strollers, travel systems,
play yards, high chairs, walkers, swings, bouncers, entertainers or
toddler/twin beds at any of our Toys''R''Us or Babies''R''Us stores
nationwide, regardless of whether you purchased the item from
one of our stores. You do not need a receipt to trade in a used item.

Can I bring back multiple items and receive additional savings?
Yes, you can bring back multiple items to our stores during the
program and you will receive one coupon book for each item
traded in. You may only use one savings coupon per each new item
purchased. The new item must be in the participating product
categories and from the participating manufacturers.

*Trade-in offer and 15% coupon available in store only. Must be regular-priced items. Trade-in and 15% coupon excludes Maxi-Cosi car seats, doorway jumpers, Baby Jogger,?Bugaboo, Mamas & Papas, Peg Prego, Phil & Teds, Quinny; Red Hot Deal & Hot Price items. See a Team Member for details. Valid 1/24 - 2/17/14. 25% discount valid on day of trade-in only with coupon. Coupon provided in store on day of trade-in. One coupon per trade-in. Cannot be combined with any other ''R'' Us offer for same item(s) or on prior purchases.
Baby Deals
What's the best FREE e-tax filing site?
Added on : Thursday January 23rd 2014 08:00:11 PM
g: 0 Posted By: swampwiz
Views: 114 Replies: 0 My line 22 income is only $13K, so I think I qualify for free filing from just about any site. Anyway, I don't care for a baroque system that asks a bunch of questions such that I would need to figure out how to answer it to correspond to what I have input into my tax form. What I would really like to do is to have a site that would allow me to simply upload the filled out forms as PDF files, which I have already done. I would simply print out those forms and mail them myself, but I will be going abroad in early February for a long time, and the 1099 form from my IRA custodian will not be generated until mid-February; I am pretty sure I know what all the numbers will be, but I would like to wait, just in case (especially since I want to get the exact account number & custodian ID that is on the 1099 form, and I don't trust Buffy there to tell me. ) To make things more complicated I have an IRA distribution & corresponding rollover that straddles the years (i.e., distribution in 2013, and hence included in the 1099 forms, and the corresponding rollover in 2014, and hence NOT included), so I need to be able to send a special message to go along with the form, and so whatever system I use would need to allow me to do this; I have a sinking suspicion that this is an oversight for a lot of e-tax systems. I would simply print this out myself after verifying the information on the 1099 form, but I don't want to worry about using the unreliable postal service of the country I will be in (Russia), and the consulate there that I could use does not accept such forms.
Question Deals
Office Depot rebate software for the week of 01/26/2014 ($10AR and $15AR)
Added on : Thursday January 23rd 2014 07:00:11 PM
g: 0 Posted By: bpvh
Views: 262 Replies: 0 Office Depot rebate software for the week of 01/26/2014 ($10AR and $15AR)


Will update with rebate information ... hopefully by the time this goes live on 01/26.


AVG Internet Security
$9.99 After $20 Mail-In & $30 Current User Upgrade Mail-In Savings Visa Prepaid Cards
In Store Price $59.99
Item #211-025


McAfee Internet Security for 3 PCs
$14.99 After $5 Instant & $50 Mfr. Mail-In Savings
In Store Price $64.99
Item #101-324


====================

****ALERT ON McAfee REBATES****

McAfee haphazardly enforces a one per product limit on its rebates. It does not matter if the rebate has a different rebate number or offer period. The rebate invalidation message is "Your rebate request did not pass our audit process".

UPDATE:
--- While it appeared from several posts over the past year on FW and SD that McAfee was no longer enforcing the one rebate per product limit, it now appears that the "Your rebate request did not pass our audit process" invalidation has returned.
--- There is one poster on FW who had not submitted a McAfee rebate since falling victim to the Summer 2010 debacle until June 2012. The rebate submission was invalidated. After failing to get the rebate processor to valid the rebate, the poster was able to convince a McAfee representative to make good on the rebate. Not sure what to make of this but it is possible that at least some of those black listed during the Summer 2010 debacle are black listed for life.

====================

NOTES:

--- Link to Office Depot's rebate website: LINK
--- "FAR": free after rebate
--- "completely new rebates": the goal of my Office Depot rebate threads is that the rebates of any title listed in the "completely new rebates" category can be submitted without concern for past rebate submissions.
--- "standard rebate": all rebate proofs can be satisfied with the purchase of the title.
--- "upgrade rebate": at least one rebate proof requires providing a certain proof of owning a previous version of the product or a competitors' product.
--- "CONTINUING rebate": the rebate was not offered for the first time during this offer period. Please check your rebate submission history to determine whether you have submitted this rebate in the past.
--- "onbox" or "inbox" rebate: the rebate form or the information for submitting the rebate are found on or in the product box. If known, a link to a pdf version of the rebate or the pre-submission information for the rebate are provided.
--- "Instant Savings": When a rebate item includes an instant savings, it is possible that the price of the item will not be correctly reflected on the website until some time later.

====================
Software Deals

Office Depot Coupons
g: 0 Posted By: Kattah
Views: 281 Replies: 0 This mixer matches those who have a Blue Willow Motif. The rebate is available at most retailers in any color, though. (Not valid at Bed Bath & Beyond, Macys and Lowes stores,Whirlpool Corporations VIPLINK Program or Employee PurchaseProgram or online auction sites. Offer not valid for refurbished orpreviously sold models.)

This focus on the Blue Willow is just because I haven't seen the price ever come down for this in a 5Qt, 10 Speed mixer in this color.

Link to Blue Willow Mixer$289.99 before $30 rebate and ships free.

Link to $30 Mail In Rebate
*Qualifying Models: KSM150, KSM152, KSM153, KSM154, KSM155, KG25
Offer good on purchases made between January 1 and March 31, 2014
KitchenAid.com said: Terms of Offer: Rebate is limited to one Mail-In Rebate form per
household (two Mail-In Rebate forms per household in Rhode Island
only) during the promotional period. One Mail-In Rebate form per
envelope. LATE SUBMISSIONS WILL NOT BE ACCEPTED. Offer good
only in the U.S.A. Purchases must be made at an authorized KitchenAid
retailer. Not valid at Bed Bath & Beyond, Macys and Lowes stores,
Whirlpool Corporations VIPLINK Program or Employee Purchase
Program or online auction sites. Offer not valid for refurbished or
previously sold models. Rebate form is not transferable. This certificate
has no cash value. Omission of sales receipt or other information will
delay processing or disqualify your request. No reproductions of the
UPC code accepted. All submitted proofs of purchase become the
property of KitchenAid and cannot be returned. KitchenAid and the
store where purchased are not responsible for lost, late, illegible,
illegitimate, incomplete, damaged, misdirected, or postage-due
requests. Keep a copy for your file. Fraudulent submissions could result
in federal prosecution under the U.S. Mail Fraud Statutes (Title 18 United
States Code, Sections 1341 and 1342). Not valid with any other
promotions. ALL CLAIMS ARE SUBJECT TO AUDIT.
Appliance Deals
Evolve Money Billpay: Use debit card to pay billers
Added on : Wednesday January 22nd 2014 01:00:13 PM
g: 0 Posted By: larryc
Views: 226 Replies: 2 Just came across this: Evolve Moneyis a free bill paying service that lets you use the following to pay over 10,000 billers that don't normally accept credit/debit cards:

Visa or MC Debit cards
Visa or MC Gift Cards
Reloadit cards
Evolve Paybucks


Billers seem to include common utilities (electric, gas, water, cable, etc), mortgages, loans, and insurance co's. No, before you ask, you can't use it to pay other credit cards. (Darn!)

If you have a debit card that gives CashBack, this seems like a great opportunity to earn Cash Back that otherwise wouldn't be available. Also seems like a nice way to cash out those rebate gift cards for small amounts.

Couple of negatives though:
- I don't see any way to schedule future payments. You pay a bill; they send it in two days (a few billers offer express pay, which is same day). But there's no way to schedule
- After the recent Target data breach, we should all be wary of sharing our debit card information. Think carefully about which (if any) debit card you want to share with this service

PR release here.


Discussion Deals
For all those who got dropped from LOGMEIN - Teamviewer is FREE
Added on : Wednesday January 22nd 2014 11:00:09 AM
g: 0 Posted By: SAGAFTRA
Views: 133 Replies: 2 TeamViewer
Because Logmein was very unprofessional and just discontinued their free service without warning - I've looked into another alternative remote access for your computers. Enjoy-


Totally Free Deals
Elite Cuisine 2-in-1 Toaster & Coffee Maker - $12.97 + Free Pickup @ Meijer
Added on : Wednesday January 22nd 2014 11:00:03 AM
g: 0 Posted By: mmax
Views: 56 Replies: 0 This is a pretty quirky thing, a 2-in-1 coffee maker and toaster from Elite Cuisine. This Breakfast Station is on sale for only $12.97 and it has free store pickup as an option which is a bonus if you live by an meijer.
meijer said: Start your morning right with the Elite Cuisine 2-in-1 Breakfast Station that is perfect for those on the go mornings. Its space saving design makes it perfect for colleges, RVs, small apartments, or simply as a stylish addition to any home kitchen. The Elite Cuisine Breakfast Station features a cool touch body and two wide slots perfect for toasting bread, bagels, muffins and more. The built-in single serve coffee maker allows you to brew a fresh 8 oz cup of coffee and the indicator light lets you know when your coffee is ready to enjoy. It includes a removable easy to clean coffee filter and anti-slip rubber feet.

Deal URL:

http://www.meijer.com/s/elite-cuisine-2-in-1-breakfast-station-t...
Dexter: The Complete 7 Season Collection (DVD) - $134.99 w/ FS @ Groupon
Added on : Wednesday January 22nd 2014 09:00:06 AM
g: 1 Posted By: slervik
Views: 262 Replies: 5 Groupon has the Dexter: The Complete 7 Season Collection on DVD on sale for $134.99 with free shipping and free returns.

"Forensic blood-spatter analyst by day, killer of those overlooked by the justice system by night, Dexter Morgan tests our measure of morality in every gripping episode."

Boxed Set of Seasons 1-7
Additional Footage Never Seen on TV
Widescreen
English, French & Spanish Soundtracks


Review: 9.1/10 at IMBd

LINK

DVD Deals

Groupon Coupons
Mint Users - How to track bonus, credits, rebates etc
Added on : Tuesday January 21st 2014 03:00:13 PM
g: 0 Posted By: chunkalunk
Views: 0 Replies: 0 For those using Mint, wondering how y'all categorize and sub-categorize these things...(under Income? Financial? FW tricks?)

CC signup $$ bonus
Amex Sync offers
Rebates
etc

(alterior motive: while I am trying to be more organized, I do have another motive. that is to show the wifey that the tactics and lengths I go to save money/earn points actually amounts to $ values)

TIA
Walmart software change: No more loading BB with Visa/MC giftcards
Added on : Tuesday January 21st 2014 12:00:07 PM
g: -1 Posted By: tedteddy
Views: 198 Replies: 4 Just went to Wal-Mart this morning to load some MC GCs to my BB account. Set a PIN on each one earlier. Right away, the cashier at WM said, I don't think those will work any more. She said they just updated their systems and it will only take bank debit cards and not gift cards any more. She gave it a try anyway. I hit the "change payment" button in the lower-right corner like I always have done in the past.The system errored out with 'debit not available appr. code = 12'. I just loaded some One Vanilla Visa GCs with this same cashier a couple of days ago. Not sure if the problem is with these MC GCs or if in fact all non-bank debit cards will no longer work.


Credit Deals
g: 0 Posted By: Deals4mykids
Views: 0 Replies: 0 Cast Iron Cleaning - The Ringer for $14.99 Free Shipping on orders of $35 or more!

Coupon Code: QHICS5AH for $5 off

http://www.amazon.com/gp/product/B00FKBR1ZG/

THE ULTIMATE SOLUTION FOR CLEANING CAST IRON
-TOUGH - Built to last as long as your cast iron products
-SIMPLE - Easy to use, clean, and store
-LOVED - Used by cast iron enthusiasts worldwide

To Clean or Not to Clean...that was the question!
A properly spiced cast iron skillet is simply a family treasure. Getting the perfect flavor into a pan takes time and plenty of elbow grease. Conventional Cast Iron Cleaners run the risk of all those spices and efforts going down the drain.
-Standard cleaning supplies strip away years worth of pan spicing efforts.
-Caked on grit can prove very difficult to remove
-Kitchen Sponges are 200,000 times dirtier than a toilet seat with 10,000,000 bacteria per square inch!

THE RINGER - Tough on Grit, Gentle on Flavor
Focused on flavor preservation from the beginning, THE RINGER was engineered to remove grit with ease and stand the test of time.
-Soapless, detergent-free grit removal with just warm water
-Rustproof Stainless Steel Chainmail Rings
-Convenient hanging ring

Money Back Guarantee
Simply Put - We want the purchase to work for you. If for any reason this product is not meeting your expectations, just send us a note and we'll be happy to take care of you.
Bear Grylls 2 pc Knife Set $29 @ Costco B&M
Added on : Tuesday January 21st 2014 11:00:04 AM
g: 0 Posted By: bulldingo
Views: 204 Replies: 0 1 knife for you and 1 for the wife.

Seen at the Richmond, California (northern CA) Costco. Has been at this price for a week or so, not flying off the shelves. Probably will be discounted further.

Images attached.

As always, for those of you who constantly whine about imperfect posts: man up or call mommy (who packs an 8" Bear Grylls special edition bear fightin' knife).
Camping Deals
g: 1 Posted By: bru20
Views: 252 Replies: 0 64GB USB 2.0 I know its USB 2.0 and there are some better prices for the same but most of those are AR.

Link
USB & Flash Drives Deals

Rakuten.com Shopping (formerly Buy.com) Coupons
g: 1 Posted By: ViveLeRoi
Views: 200 Replies: 0 Linky
Microsoft Virtual Academy has another free training program for those of us in the IT and software development fields. The training class is entitled "Server Virtualization with Windows Server Hyper-V and System Center"

Enjoy!


Services Deals
g: -1 Posted By: remick
Views: 145 Replies: 0 http://www.amazon.com/dp/B009SOG76A

4.9 out of 5 stars (25 customer reviews)

Redefining victory through the eyes of a cancer survivor!

Author Paul Manwaring was diagnosed with prostate cancer in January 2008. Kisses from a Good God recounts his journey from the first diagnosis, through the prayers of believing friends and family, his choice to undergo surgery, and to his ultimate healing victory.

Kisses from a Good God provides encouragement and challenges some commonly held beliefs. He removes shame from those who have been healed by the hands of doctors and surgeons rather than through prayer. Instead of simply encouraging you with practical, biblical truths, a clear line is drawn between faith and religionand redefines victory through the eyes of a cancer survivor saved by God in the form of modern medicine.

If you are now walking or have walked through a life-threatening illness or circumstance, or if you have watched a loved one endure, Kisses from a Good God relieves your body, soul, mind, and spirit of tons of unnecessary pressures and pain.
Books Deals

Amazon Coupons
g: 0 Posted By: heyyl0w
Views: 111 Replies: 0 WalMart has select Men's Electric Shaverson Sale for $5-$50 off. Some are eligible for free shipping; others have free store pickup.

There's a gigantic red "Instant Savings" sign over those that are on sale. I haven't found an exact way to search for those specifically, so you'll have to do some hunting. If anyone figures that out, please let me know!

Some deals included:

Philips Norelco Electric Shaver 6900- $21.97 (list price $26.97)

Philips Norelco 1150x SensoTouch 2D Electric Razor- $59.97 (list price $89)

Braun Series 7 Shaver System- $145 (list price $190)
Electronics Deals

Walmart Coupons
RUUM American Kids Wear: Up to 80% Off + FS $50+
Added on : Monday January 20th 2014 11:00:02 AM
g: 0 Posted By: heyyl0w
Views: 200 Replies: 0 RUUM American Kids Wear has up to 80% offwith free shipping on orders of $50 or more. Sale items are up to 75% off.

Shipping on orders less than $50 is $7.

For those who don't know, RUUM is the product of AE77 and is run by the former CEO of The Children's Place.

There are shirts from $1.50, headbands from .99, shoes for $7...if your child needs it, it's probably on sale. There are clothes, shoes & accessories for boys, girls and toddlers.

Kids Clothes Deals

RUUM American Kids Wear Coupons
Entitle Direct
Added on : Monday January 20th 2014 05:00:10 AM
g: 0 Posted By: elptrainerny
Views: 32 Replies: 0 For those who used Entitle Direct do they do simply the title search, or do they replace the need for the attorney doing the closing as well (for those with a straight forward sale)?
----------------------------------------------------------------------

ENTITLE DIRECT provides settlement services with the capability of closing purchase, sale, and refinance transactions in a location near you. However, you may wish to utilize your own settlement services provider (who in many cases may be your attorney), to assist in your closing. Also, ENTITLE DIRECT cannot provide you with legal advice, and if you have legal questions related to your closing, you should consult an attorney.


General Economics Deals
g: 0 Posted By: Deals4mykids
Views: 247 Replies: 0 List price $69.99, now $35.99
Available with Amazon prime.
Use the coupon code: MPOWHD20at checkout for$7 off
http://www.amazon.com/dp/B00ELCP55I/

Great option for those who don't want to drop a hundred bucks for a Plantronics
Headphones & Speakers Deals
Are online or other do-it-yourself simple wills valid?
Added on : Sunday January 19th 2014 01:00:04 PM
g: 1 Posted By: Sonofspam
Views: 92 Replies: 2 It's all in the title. There are many links for sites where you can create your own simple will, and many that are part of software packages. But are they even valid? Only thing I can imagine that would be worse than a do-it-yourself will being declared invalid would be to die with no will at all, which kind of amounts to the same thing.

Does anyone know of good sites to create a simple will, without the "gotcha's" and other hidden fees and costs found with many of the scams out there? Of course, the validity of the will would be most important!

Thanks in advance to those that post helpful replies!
Question Deals
Points cards vs CashBack cards
Added on : Sunday January 19th 2014 08:00:10 AM
g: 0 Posted By: Treefarn
Views: 108 Replies: 2 I am wondering what the advantage is of Points Cards over CashBack cards. If you are a 'regular' flyer, do you end up getting more % off using points rather than CashBack? The reason I ask....

Since I met 17 years ago, I have been on an airplane once because she doesn't like flying. So while I have a lot of 'CashBack' cards (the 5% rotating ones & Amex Blue), I only have one card that will give me any kind of points towards airlines or travel, the Capital One Venture card. Knowing I would have to travel in the next year, I got this card last month for all those purchases that don't fall into one of the rotating categories, since it would give me 2% on the 'other', rather than the 1% on my Amex and BOA cards. But I know NOTHING about points/mileage cards - never researched them because there seemed to be little point.

We just found out that in late August we will have to fly to California. I will need to purchase 3 tickets from Philly to SF (or nearby) So, my question, is it worth getting another card at this point that might give me more of a discount, or is it too late, knowing I will have to buy my tickets within the next few months anyway. I'm just not sure where to start.
Personal Finance Deals
taxes for a first time landlord
Added on : Saturday January 18th 2014 06:00:12 PM
g: 1 Posted By: psychtobe
Views: 210 Replies: 3 Savvy FWF real estate investors,

Can you provide any general corrections to my rudimentary understanding based on internet research and a quick book skim?

Property: a second home purchased as a rental/investment property in July 2013, $26,500 down and $160,000 borrowed (documented loan from a family member, 12 years 3.25%). We have a property manager who charges $399 to place a tenant and $100 per month. The property was rented at the end of August 2013.

Expenses and Income (I tried to group by category):

$3000 improvements (new shower/bathroom update)
$3000 repairs
$400 insurance
$1000 taxes
$1800 interest
$600 pre-purchase inspections
$500 settlement charges

$400 pre-rental cleaning, etc
$800 property management fees

$5300 total rent

This is what I believe I understand:
1. I cannot deduct any passive income against my personal income because I am not an active property manager nor a real estate professional; and also because my income is greater than $150k.
2. I can deduct depreciation of the property structure (but not the land) as part of my expenses. I can also deduct the cost of the $3000 improvement but must do so on a depreciation schedule. If I do either of these then I will have to pay tax on the lower cost basis when I sell the property.
3. All of the costs I've listed above are deductible against any income I've received, obviously excepting the purchase price (down payment and principal payment) of the property. I can also deduct mileage for travel to/from the property.

Questions:
1. Obviously I have more expenses than income in 2013. Am I able to carry forward some or all of those unused expenses for 2014 and later? The internets says I can.
2. Am I correct in understanding that I cannot count any of these excess losses against my personal income for the reasons stated above?
3. Can I carry forward losses to use against future price appreciation of the property such that when I sell it, if it has risen in price, I can mitigate any taxes owed?
4. Are any of the expenses I've listed above 'not acceptable' for the purposes of calculating my losses?
5. If I do depreciate the structure and/or the improvements, and then I move into the property for at least 2 of the previous 5 years before selling it in the future, have I just completely avoided paying tax (because of the capital gains exemption for a primary residence of $500k for a married couple)?
6. Is TaxAct Deluxe going to adequately walk me through my scenario? What are my alternatives? I'm not too interested in finding a good CPA.

thank you!

Tax Deals
Free Religious Kindle Book- Giants: Sons of the Gods
Added on : Friday January 17th 2014 10:00:12 AM
g: 0 Posted By: remick
Views: 287 Replies: 1 http://www.amazon.com/Giants-Sons-Douglas-Van-Dorn-ebook/dp/B00B...

4.9 out of 5 stars (51 customer reviews)

Goliath. You know the story. But why is it in the Bible? Is it just to give us a little moral pick-me-up as we seek to emulate a small shepherd boy who defeated a giant? Have you ever wondered where Goliath came from? Did you know he had brothers, one with 24 fingers and toes? Did you know their ancestry is steeped in unimaginable horror?

Genesis 6. The nephilim. The first few verses of this chapter have long been the speculation of supernatural events that produced demigods and a flood that God used to destroy the whole world. The whole world remembers them. Once upon a time, all Christians knew them. But for many centuries this view was mocked, though it was the only known view at the time of the writing of the New Testament. Today, it is making a resurgence among Bible-believing scholars, and for good reason. The nephilim were on the earth in those days, and also afterward...

This book delves deep into the dark and ancient recesses of our past to bring you rich treasures long buried. It is a carefully researched, heavily footnoted, and selectively illustrated story of the giants of the Bible. There is more here than meets the eye, much more. Here you will learn the invisible, supernatural storyline of the Bible that is always just beneath the surface, lurking like the spawn of the ancient leviathan. It is a storyline no person can afford to ignore any longer.
Totally Free Deals
*OFFER EXPIRED* eBook - MARCURIA'S END
Added on : Friday January 17th 2014 09:00:09 AM
g: 0 Posted By: ubercreative
Views: 792 Replies: 0 FREE OFFER EXPIRED

If you're looking for a fantasy novel that is truly original, something that will keep you on your toes and surprise you, check out MARCURIA'S END.

Amazon U.S.

Amazon UK

The world of Marcuria nears its predestined end. This is the last Age. The final Cleansing. Three unwitting harbingerswhose lives have been carefully constructed, vigilantly directed onto dark pathsare being prepared for this culmination. Monsters they are destined to be, not the heroes they always dreamed.Alyn sees what others cannot: the Dark. This darkness infests the land, swarms over all creation. Even those he loves are infected with it. Hatred for the Dark festers as Alyn battles a raging torrent inside: an alluvion yearning to sweep this perceived blight out of existence.Jarrod is a carousing layabout haunted by the trauma he suffered as a young child. He drowns himself in drink and the occasional girl to escape the constant, hellacious memories. Yet this isnt enough. It can never be enough. For years, he has mulled over a solution, but his cowardice is too great of an impediment. Even so, the notion of revenge never wanders out of reach as it foments his craving for knowledge.Gherart has just celebrated a major promotion to join the ranks of the Eldests personal guard. These elite guardsmen are recognized as national heroes, exemplars of virtue and honor. To have come this far, Gherart has had to transform himself into a new man, a religious man. This mighty change entailed purging his life of every connection to his criminal past; however, there is one tie he cant cut loose: his best frienda brother in spirit. . .a thief envious of Gherart.
Totally Free Deals
g: 0 Posted By: linrick
Views: 225 Replies: 0 If you already a member, you'll see the sale when you sign in. As for those who have just signed up a few days ago or just now sign up, YMMV on seeing the sale.

Clearance are 70% but be sure to check the entire site because some are already discounted and marked additional 50% off. You'll also get an additional 10% off total purchase. Prices are as marked.

Free shipping with $150+ purchase.

Hurry, few are already sold out. Sale ends Monday.

linkymoo
Purse Deals
Free Kindle Book- Giants: Sons of the Gods
Added on : Friday January 17th 2014 08:00:16 AM
g: 0 Posted By: remick
Views: 86 Replies: 0 http://www.amazon.com/Giants-Sons-Douglas-Van-Dorn-ebook/dp/B00B...

4.9 out of 5 stars (51 customer reviews)

Goliath. You know the story. But why is it in the Bible? Is it just to give us a little moral pick-me-up as we seek to emulate a small shepherd boy who defeated a giant? Have you ever wondered where Goliath came from? Did you know he had brothers, one with 24 fingers and toes? Did you know their ancestry is steeped in unimaginable horror?

Genesis 6. The nephilim. The first few verses of this chapter have long been the speculation of supernatural events that produced demigods and a flood that God used to destroy the whole world. The whole world remembers them. Once upon a time, all Christians knew them. But for many centuries this view was mocked, though it was the only known view at the time of the writing of the New Testament. Today, it is making a resurgence among Bible-believing scholars, and for good reason. The nephilim were on the earth in those days, and also afterward...

This book delves deep into the dark and ancient recesses of our past to bring you rich treasures long buried. It is a carefully researched, heavily footnoted, and selectively illustrated story of the giants of the Bible. There is more here than meets the eye, much more. Here you will learn the invisible, supernatural storyline of the Bible that is always just beneath the surface, lurking like the spawn of the ancient leviathan. It is a storyline no person can afford to ignore any longer.
Totally Free Deals
New cc, how to check for errors
Added on : Friday January 17th 2014 04:00:09 AM
g: 0 Posted By: tr4nshum4n
Views: 92 Replies: 1 Hey, everyone. This is my first post.

I've avoided credit cards for a while now. I normally used debit cards for the past ten years or so, and I always balanced my checkbook. It's to the point where I take comfort in verifying the balance myself, even if I can check the website. It's paid off, at least a few times that I can remember.

Last month I got one of those Amex cards that delivers Cash Back, more for gas and groceries, but 1% for everything else. I like that, since I have to buy things anyway. The web says most people plan to pay off their card every month but fail. I'll be doing some self-monitoring, but I'm pretty sure I'm the type that pays the bill when it's due.

I've looked into mint.com, but I don't like the idea of turning over all my bank login info to anyone, and all they would be doing is providing me with information from the banks anyway.

What I'm looking for is a way to independently verify my credit card balances. Using a checkbook register seems wrong because, for one thing, there are no checks. I also don't want to add another paper book to my collection. I'd rather do something electronic.

It probably wouldn't be hard to use excel, but I just wanted to learn from others before I get started.
Personal Finance Deals
Free eBook Today Only - MARCURIA'S END
Added on : Thursday January 16th 2014 09:00:13 AM
g: 0 Posted By: ubercreative
Views: 160 Replies: 0 =12ptIf you're looking for a fantasy novel that is truly original, something that will keep you on your toes and surprise you, check out MARCURIA'S END.Today's the last day of the free promotion.

Amazon U.S.=16px

Amazon UK

=16pxDescription:The world of Marcuria nears its predestined end. This is the last Age. The final Cleansing. Three unwitting harbingerswhose lives have been carefully constructed, vigilantly directed onto dark pathsare being prepared for this culmination. Monsters they are destined to be, not the heroes they always dreamed.Alyn sees what others cannot: the Dark. This darkness infests the land, swarms over all creation. Even those he loves are infected with it. Hatred for the Dark festers as Alyn battles a raging torrent inside: an alluvion yearning to sweep this perceived blight out of existence.Jarrod is a carousing layabout haunted by the trauma he suffered as a young child. He drowns himself in drink and the occasional girl to escape the constant, hellacious memories. Yet this isnt enough. It can never be enough. For years, he has mulled over a solution, but his cowardice is too great of an impediment. Even so, the notion of revenge never wanders out of reach as it foments his craving for knowledge.Gherart has just celebrated a major promotion to join the ranks of the Eldests personal guard. These elite guardsmen are recognized as national heroes, exemplars of virtue and honor. To have come this far, Gherart has had to transform himself into a new man, a religious man. This mighty change entailed purging his life of every connection to his criminal past; however, there is one tie he cant cut loose: his best frienda brother in spirit. . .a thief envious of Gherart.
Totally Free Deals
Free Kindle Book - A CHILD OF A CRACKHEAD (Part 1) - was $12.00
Added on : Thursday January 16th 2014 08:00:13 AM
g: 0 Posted By: remick
Views: 138 Replies: 0 http://www.amazon.com/dp/B0049U4W56

4.3 out of 5 stars (800 customer reviews)

He watched as she screamed and yelled with every strike that the man, made to her face. From her mouth, she spit blood that was rolling down her face. He continued to watch the 6'2" dark skin man repeatedly hit and kick the woman in the stomach, again and again. Noooo stop! please stop!" as she yelled his closed fist went upside her head. Michael knew he had to do something to stop the man from beating the beautiful brown skin woman, with tears running down his own face he yelled, Daddy stop! Daddy stop!, as he ran his 6 year old frame between his father and mother. "Daddy stop hitting mommy!", All he felt was his father's big black hands grasp him around his neck and squeeze until he couldnt breathe and threw him across the room. Micheal sat on the floor crying. Partly because of the pain he felt, but mostly because of the beating his mother was getting. How does Micheal, child of a crack head, fight to stay a live ? what will he face and those he truly love ? and do they survive the terror of the man they call Black ice. This story tells the countless beating's, killing's, lies, infidelity and betrayels of a crack head and how a mother and child survive the street life
Totally Free Deals
Target Toy Sale 70% today
Added on : Thursday January 16th 2014 08:00:04 AM
g: 0 Posted By: onlinemom
Views: 112 Replies: 0 3 of the 5 stores I checked had marked them down overnight, other 2 said later today - I'm not going back

Found the following 70% off
Thomas Wooden Train Sets
Fly Wheels
Bratz
Microchargers add on track
Spy Gear
Games
Puzzles
Hot Wheels Wall Tracks
Much, Much More

Most of Legos and Star Wars were only 50% off, as well as some of the Marvel characters. Each store had about 1 aisle to choose from

Also, an aisle or two over were the kids character pop-up tents, some stores had those 70% off including a STar Wars one for $5.98
Toys Deals

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

We have one of these stores near us locally. We have bought quite a few things here in recent weeks. It is great for those just starting out. One thing to point out is that they leave out things which increase the price in the long run. We are going to buy a circular saw from them this week to use for a DIY project. The saw does not come with a blade in box. My husband doesn't mind that because he will just get a blade he needs. Something else we looked at didn't come with the battery and charger. It is sold separately. It's those little things that add to the price but in most cases they beat the big stores in price still. If you keep your eye out for the sales you will do great. We bought a cart for the garage to hold a chainsaw and suppies for well under the price anywhere else and it was perfect for our needs.
g: 0 Posted By: lerfacee
Views: 97 Replies: 0 Get a free Google Nexus 5 at CREDO. Use promo code 501353 online or when you call (800) 966-1665.

Contract buyout credit up to $350 per line switched to CREDO (up to 5 lines and excludes equipment charges)
True unlimited data (unlike those other carriers that throttle your speed)
No contract for 30 days
No domestic roaming or long distance charges
Calls carried on the nationwide, all-digital Sprint network, reaching over 280 million people
Free shipping on all phones

Offer expires 1/31/2014.
Cell Phones Deals

Sprint Coupons
Term in the UK - Fatwallet strategies while living abroad?
Added on : Wednesday January 15th 2014 03:00:05 AM
g: 0 Posted By: sultorn
Views: 47 Replies: 0 I'm on exchange in London as part of my graduate program. I'll be attended courses at one of the graduate schools here until the end of March (might be too short a period of time).

Would love to hear others' efforts at trying domestic fatwallet strategies abroad, particularly in the UK. The thought struck me when I searched for UK credit cards and saw offers of 0% BTs for 30mo (http://www.moneysupermarket.com/credit-cards/balance-transfer/). From what I understand, the school provides necessary documentation for opening up a bank account but I'm not sure what's all required for getting the best offers.

Does anyone have any experience in building/applying for credit abroad? How about bank accounts? Has anyone tried to make the most of their time abroad financially as a visitor/student (ie, not through employment/tax savings)?

Here are a couple other threads I found through searching (I excluded 5+ yr old ones and those without responses):

UK Credit card deals and recommendations(2010) -- sounds like an AMEX transfer is a good way to start building credit?

British Airways - 100k Points(2013) -- recent BA AMEX card offer for 100k miles. Requires an income of 30k GBP or more + British bank account + permanent residence.

List of Credit Cards with no Foreign Transaction / Currency Fee(2012) -- while we're at it. I applied for Barclays Arrival before I left the states.

Thanks for the tips everyone!
Question Deals
g: 1 Posted By: mmax
Views: 399 Replies: 2 This is a great deal onMen's Saucony Excursion TR7 Trail Running Shoes, only $19.00 for TR7s that often run about $50 on Amazon. Shipping charge was only $3.50 for me, when I input my zip code.
ShoeShow said: The right choice for those trail runners:

combination mesh and synthetic upper
plush tongue and collar for added comfort
heel pull loop for easy on/off
lace-up front for a secure fit
XT-600 carbon rubber outsole for supreme abrasion and traction

Deal URL:

http://www.shoeshow.com/product/99162/Saucony-Excursion-TR7?colo...
Shoes Deals
g: 2 Posted By: heyyl0w
Views: 348 Replies: 2 Club Nintendo has The Legend of Zelda or Animal Crossing DS/3DS Game Card Caseavailable for 400 Coins. They hold up to 18 games and resemble a game case.

Club Nintendo is free to join. You register Nintendo games/consoles to earn coins and then redeem them for real-life rewards.

As a reference, new games earn around 60 coins and new consoles earn 100 or more. When they aren't interested in being a Club Nintendo member, SWIM has successfully used the codes from friends' consoles and games before.

For those who like to resell, these apparently go for ~30 on eBay.

"Carry your Nintendo 3DS and Nintendo DS games in style with this sleek card case, shaped like a game box. Zelda version includes three double-sided covers, featuring artwork themed around Zelda, Super Mario, and the Nintendo 3DS."

Up to 18 Game Cards can be stored inside.
Plastic case holds 18 Nintendo 3DS or Nintendo DS Game Cards
Dimensions: approx. 5in x 5in x 0.6 in
Three double-sided card covers included inside

Video Games Deals
g: 0 Posted By: mmax
Views: 1 Replies: 0 This is a great deal onMen's Saucony Excursion TR7 Trail Running Shoes, only $19.00 for TR7s that often run about $50 on Amazon. Shipping charge was only $3.50 for me, when I input my zip code.
ShoeShow said: The right choice for those trail runners:

combination mesh and synthetic upper
plush tongue and collar for added comfort
heel pull loop for easy on/off
lace-up front for a secure fit
XT-600 carbon rubber outsole for supreme abrasion and traction

Deal URL:

http://www.shoeshow.com/product/99162/Saucony-Excursion-TR7?colo...
Free Kindle or Nook Book- Love Amid the Ashes (was $14.99)
Added on : Tuesday January 14th 2014 07:00:06 AM
g: 0 Posted By: remick
Views: 656 Replies: 0 http://www.amazon.com/Love-Amid-Ashes-Book-Novel-ebook/dp/B004JH...

http://www.barnesandnoble.com/w/love-amid-the-ashes-mesu-andrews/1100190554?ean=9780800734077

4.5 out of 5 stars (128 customer reviews)

Readers often think of Job sitting on the ash heap, his life in shambles. But how did he get there? What was Job's life like before tragedy struck? What did he think as his world came crashing down around him? And what was life like after God restored his wealth, health, and family?

Through painstaking research and a writer's creative mind, Mesu Andrews weaves an emotional and stirring account of this well-known story told through the eyes of the women who loved him. Drawing together the account of Job with those of Esau's tribe and Jacob's daughter Dinah, Love Amid the Ashes breathes life, romance, and passion into the classic biblical story of suffering and steadfast faith.
Books Deals

Amazon Coupons
g: 1 Posted By: remick
Views: 210 Replies: 0 http://www.amazon.com/dp/B00997JKCO

4.3 out of 5 stars (10 customer reviews)

This is the true story of one mans continuing fight for a world free of religious persecution.

Majed El Shafie was arrested, tortured, and sentenced to die after he converted from Islam to Christianity. His dramatic story, and those of others worldwide who are suffering persecution, are told in shocking, yet sensitive detail. Especially startling is the true story of rescuing a very young Pakistani girl who experienced horrific sexual abusebecause her family would not convert to Islam.

Although hard to imagine and even harder to accept, this important truth about religious persecution is blatantly exposed. Millions of families are praying for help. They are suffering daily in China, Iran, Iraq, Egypt, and many other countriessolely because of their beliefs.

Freedom Fighter is Reverend El Shafies outreachit follows his heroic work over a four-year period as he traveled to Pakistan and Afghanistan to investigate claims of abuse, persecution, and slavery and to speak truth to governments that neglect and violate the human rights of their citizens.
Books Deals

Amazon Coupons
Entrepreneurship networking: share your top skills
Added on : Tuesday January 14th 2014 04:00:11 AM
g: 1 Posted By: robby152
Views: 114 Replies: 0 I have enjoyed reading through the networking threads related to posting job openings at your company, but I am not looking for a job. I am looking for like-minded people who want to talk about entrepreneurial ideas and have different skills than I do. Hopefully, some cool FW start-up would come out of this, but even if people just shared tips in their areas of expertise and were open to a couple of PMs on those aspiring to grow in those areas, that could help each other as well. I thought we could have a thread where people list the top 1,2 or 3 skills that might be relevant for an entrepreneurial venture. For example, though I think marketing is important, but I am horrible at it so I won't list that. But, I am an Excel monkey and have a lot of experience with process improvement and stuff like that. So mine would be:

Data Analysis
Process Improvement
Project Management

If anyone else is interested in this, we could start compiling everyone's top skills. And yes, while MS and other FW specific skills are definitely useful, I am looking for more generic skill sets that could apply to multiple industries. If you think you are only good at being a top HH, you might list:

Industry analysis
Process Design (have to be very organized)
Blah blah blah

Discussion Deals
Free Kindle Book- Love Amid the Ashes (was $14.99)
Added on : Tuesday January 14th 2014 03:00:02 AM
g: 0 Posted By: remick
Views: 285 Replies: 0 http://www.amazon.com/Love-Amid-Ashes-Book-Novel-ebook/dp/B004JH...

4.5 out of 5 stars (128 customer reviews)

Readers often think of Job sitting on the ash heap, his life in shambles. But how did he get there? What was Job's life like before tragedy struck? What did he think as his world came crashing down around him? And what was life like after God restored his wealth, health, and family?

Through painstaking research and a writer's creative mind, Mesu Andrews weaves an emotional and stirring account of this well-known story told through the eyes of the women who loved him. Drawing together the account of Job with those of Esau's tribe and Jacob's daughter Dinah, Love Amid the Ashes breathes life, romance, and passion into the classic biblical story of suffering and steadfast faith.
Books Deals

Amazon Coupons
Warm: Radio Shack Samsung HM1300 Bluetooth $12.99
Added on : Monday January 13th 2014 04:00:02 PM
g: 0 Posted By: dynoangryhorse
Views: 189 Replies: 0 For all those folks with newly acquired RS gift cards, they have a decent deal on a bluetooth headset. Amazon reviews are not glowing but decent enough for a $13 piece of equipment

http://www.radioshack.com/product/index.jsp?productId=15725506

http://www.amazon.com/Samsung-Handsfree-Bluetooth-reduction-canc...
Cell Phones Deals

RadioShack Coupons
g: 0 Posted By: heyyl0w
Views: 210 Replies: 0 Best Buy has the Toshiba Canvio 1.5TB USB 3.0 External Hard Drive(HDTC615XK3B1) for $69.99 with free shipping or free in-store pickup.

There is currentlya deal for the 1TB model for $10 less at Newegg. This deal did very well here about a month ago,but has since been moved to expired.

Storage Capacity: 1.50
TBMaximum External Data Transfer Rate: 640 MBps (5 Gbps)
Rotational Speed: 5400 rpm
Buffer: 8 MB
Host Interface: USB 3.0
Color: Black
Drive Type: External
Height: 0.7"
Width: 3.1"
Depth: 4.7"
Weight (Approximate): 6.30 oz
Limited Warranty: 3 Year

"Put peace of mind first, and make your memories last, with Toshiba's new Canvio 3.0 portable hard drive, offering one of the simplest, most complete backup solutions in style.Designed for those who want an easy, effective way to preserve and restore their pictures, documents, music and videos-or their entire system-the Canvio 3.0 delivers truly comprehensive, set-and-forget data protection. Offering up to 1.5 terabytes1 of storage, and powered by USB 3.0 technology, it lets you copy even some of the largest files off your PC and onto the drive faster than ever before, or use integrated cloud backup2 capabilities for extra protection. Thanks to a special internal shock sensor and ramp loading technology to guard against accidents and drops for greater peace of mind, it's also the perfect way to share or transport your digital content, and can be used with USB 2.0 connections, too."
External Hard Drives Deals

Best Buy Coupons
g: 4 Posted By: remick
Views: 491 Replies: 1 http://www.amazon.com/dp/B00BBIT1BO

free again for thosewho missed it last time

There seems to be a$0.99 promotional credit towards future select Kindle book purchases after you get this
Totally Free Deals
g: 3 Posted By: scottxmso
Views: 356 Replies: 3 Link on ToysRUs.com website

Toys R Us has the XtremeMac Universal Charging Kit for $9.98 - 20% off sale for clearance items = $7.98 at checkout. This kit includes a dual USB wall charger (with US wall plug adapter) as well as a single USB car charger. It's in stock for shipping to home, as well as likely in stock in various stores for in-store pickup.

Some Toys R Us stores near me in the DC area had it in stock and available for free pickup, but others didn't. For shipping, it is unfortunately not eligible for Shoprunner for those of us who have the service. TRU usually accepts Shoprunner, but I think because this is a clearance item, they want $6-8 or so to ship this item (unless you have other items to satisfy the free shipping minimum). I just ordered it for pickup at a local store, and they held one for me rather quickly!

Amazon link for this item;it's $21.99 sold/shipped directly from Amazon at this time. So this is a good deal over what you'd pay elsewhere, and probably even cheaper in price than similar no-name power adapters.

The AC adapter (model USB-AWC-11) seems to be the best part of this deal: it has 2 plugs, each of which is rated at 2.1 amps. As seen in the attached picture (actual item), the AC adapter as a whole is rated for 4.2 amps, or twice the 2.1A rated load for each port. In other words, that's 20 watts, which is pretty good for a USB power adapter. You aren't going to find a decent quality power adapter that outputs this much power elsewhere for $8.

This is very good if you have power-hungry devices like tablets, some cell phones, and other USB-powered devices that need more power over the typical limit of 1000mA or so from most USB power sources. (&if you have a Raspberry Pi board,2 amps is really good, but not 100% necessary.)I haven't pushed this adapter to its limits, but will probably use it with power-hungry devices like my RPi and HP Touchpad, the latter of which insists on being connected to the high-amperage AC adapter when empty. If I do some stress testing and have any updates, I'll post them here.

You also get a car charger with 1 USB port on it. I'm not sure what amperage it's rated for, but is pretty small (extrudes about 0.5cm from the socket) and has 1 USB plug on it. It should probably be good enough to charge your phone or possibly tablet in the car, though. No cables are included, but these are standard 5-volt USB ports that should work with most any USB charging cable.

Especially for a brand-name product (hopefully higher quality than "no-name" chargers of similar price), this pair of chargers seems like a nice deal for the price. Even more so if you have a tablet or other power-hungry device that needs a charger that can offer more power than regular USB chargers.
Batteries & Chargers Deals
g: 0 Posted By: jaymanthegreat
Views: 18 Replies: 0 Twilight Breaking Dawn Blanket - Edward with Crest and Ferns:
Price: $20.99
Only 2 left in stock.
Perfect for Twilight fans
Awesome gift for those who love Edward
From the Breaking Dawn collection
Features Edward with the Cullen family crest
Great for those chilly days and nights

http://www.amazon.com/Twilight-Breaking-Dawn-Blanket-Edward/dp/B...
Bedding Deals

Amazon Coupons
Professional Portfolio Management
Added on : Sunday January 12th 2014 05:00:05 PM
g: 0 Posted By: dhpratibha
Views: 84 Replies: 0 Hi fellow FWF's..

I have about 25-30K of funds I am looking to invest in stocks/ETF's etc for a couple of years or more. I was looking at Professional portfolio management from firms like schwab, wellsfargo etc. I understand that they have fees and would reduce my return. However I am a novice at investing in stocks and would prefer my hard earned money to be professionally managed at least for a year till I get a grip on things.
Does anyone have any advice on choosing the appropriate firm like merril lynch, schwab etc for portfolio management? and any experience using those?
Investing Deals
g: 0 Posted By: GeorgiaBulldawg
Views: 55 Replies: 1 I was reading this articletonight from Yahoo Finance about some terrible tax surprises. #5 tax surprise mentions this:

5. Some Social Security benefits

You spent the last 40 years fattening the U.S. Treasury thanks to those dang Social Security taxes that came out of every paycheck. Now you're retiring, and it's time to get your tax money back, free and clear, right?
Maybe, maybe not?
Generally, if Social Security benefits are your only income, your benefits are not taxable. But if you collect Social Security plus other income, as much as 85 percent of those government checks could be subject to tax. .

My question is this: What is considered 'other income'?
Pensions? IRA/401K withdrawals? I know stock dividends would be, but what else?
Thanks.
Origins. 5 Deluxe Samples and Free Shipping w/$30 order
Added on : Sunday January 12th 2014 03:00:05 PM
g: 0 Posted By: momto2dogs
Views: 295 Replies: 0 For those who like the origins skincare brand, the website is offering5 deluxe samples and free shipping w/$30 purchase. Also - 8% CB through FW

The samples to choose from are:

Cheeks and Balances Frothy Face Wash 1.0 fl.oz
Plantscription Anti-Aging Serum 0.17 fl. oz
Ginzing Energy Boosting Mascara 0.17 fl. oz
Dr. Andrew Weil Mega Mushroom Skin Relief Face Mask 0.24 fl. oz.
Drink Up 10 Min. Mask 0.24 fl. oz.
Ginger Float 5.1 fl. oz.
Clear Improvement Active charcoal mask to clear pores 0.24 fl. oz.
Plantscription Anti-aging eye treatment sample 0.17 fl. oz.
Make a Difference Plus Rejuvenating Treatment 0.5 fl. oz.
Hair & Skincare Deals

Origins Coupons
New Navy Federal promotion: up to $200 for opening an IRA
Added on : Sunday January 12th 2014 05:00:10 AM
g: 0 Posted By: SSG
Views: 37 Replies: 0 Link

$100 for opening the IRA, and another $100 for rolling over or transferring $5k from somewhere else. Added bonus is that the $200 is reported as a dividend, not as a contribution. Looks like it's limited only to those who don't currently have any NFCU IRAs.

Here are the T&C:

Offer effective January 6, 2014. Navy Federal reserves the right to end or modify this offer at any time.1Limit one $100 IRA bonus per member. Offer only available to members who open their first Navy Federal IRA plan and deposit a minimum of $100 in their new IRA account.2Get an additional $100 IRA bonus by funding your first Navy Federal IRA plan with a rollover of a qualified retirement plan (such as Thrift Savings Plan (TSP), pension plan, or 401(k)) or an IRA transferred from another financial institution with a minimum deposit of $5,000. Only one additional $100 IRA bonus for rollover/IRA transfer deposits per member. To receive the $100 IRA bonus and/or the additional $100 IRA bonus for rollover/IRA transfer deposits, funds must be deposited into the new IRA account no later than 45 days after the IRA plan open date. Once funds have been deposited into the new IRA account, Navy Federal will credit the bonus(es) directly into your new IRA account within 30 days. The IRA bonus(es) will be credited to your new IRA account in the form of a dividend and will not be reported as a contribution. Members should consult their tax or legal advisor about the appropriate tax treatment of the bonus(es) and any tax implications associated with it/them. Any taxes related to the IRA bonus(es) are the members responsibility. Navy Federal does not provide tax advice. Other restrictions may apply.
Deal Deals
Staples: (YMMV) Kaspersky Internet Security for Windows (1-3 Users) - FAR
Added on : Saturday January 11th 2014 11:00:01 PM
g: 0 Posted By: wahoo900
Views: 65 Replies: 0 It's back... YMMV on whether you can get Staples to PM with Amazon

Kaspersky Internet Security (3 Users)$79.99 - $35 Rebate = 44.99
Price Match with Amazon: $33.01

This is for "Staplers" : Great way to cash out Rewards (being issued around 1/16)
(Non-Staplers: yes, Newegg, Fry's offer "easier" way to get FAR, but this is intended for those Stapling)

Buy 2, stack with $10/50 coupon (Sign up here)
Software Deals

Staples Coupons
Fighting off wrong EZPass charges... is it possible at all?
Added on : Saturday January 11th 2014 05:00:05 PM
g: 0 Posted By: ilya2012
Views: 140 Replies: 1 Hi everyone,

Upfront disclaimer: amount of EZPass charges in question in my case is less than $10. It is just a matter of principle that I don't like paying for something that I should not be paying for. If you consider such an approach a complete waste of time (which it might well be) then you might better save you time on something more useful instead of reading below Thanks.

Short description: Live close to NYC, don't own a car, rent cars on a regular basis (at least 3-4 times a month). To save time and money I bought my own EZPass tag, good suction mount for it and move it from car to car together with GPS.
EZPass NY recommends to register all cars being used with a specific tag by their license plate to be able to charge a specific account if a registered car goes throw a toll plaza and the system fails to read a tag. It is a quick process and I used to do it every time renting a new car right from my smartphone, just for a peace of mind. I remove license plates from my account right after I drop the car back to the rental company (usually the same day).

It worked like a charm for a very long time, until I rented a car from Dollar Rent-a-Car for one day in April last year. I returned a car next day at around 09:00am, went to the meeting and eventually logged to my EZPass account to remove a license plate there in the afternoon.
Several days later I see several toll charges for the total of ~$8 in the area nearby coming from the plate recognition of the rental car. The timestamp says somewhere around 11:30am the same day I returned this car, but before I removed it from my EZPass account (so, obviously, a guy/girl who rented a car after me decided somehow not to pay tolls and EZPass had to read his plates and matched it to my account).

Thinking that the situation is very simple, I wrote an email request to EZPass through their website with a detailed explanation asking to credit those charges back to my account and go after the owner of this car (Dollar) for those toll violations. Several days later I get an answer to call them.

(skip many months)

Long story short - in total I tried to contact them 5 or 6 times using all types of communication (email, phone, snail mail). I sent them my rental car receipt that I asked Dollar to send me, that clearly says that I dropped the car at 09:00 and at the time of those charges it was NOT in my possession. The last LETTER I received from them made me seriously think if I speak to a brick wall and if my explanations are actually being read by someone or I'm just getting automated "F**K OFF" answers for all my communication - basically, they write that they have reconfirmed that the license plate had been recognized properly (like I argued with that) and ask me to provide documentation that I sold this car or got rid of it by other means if I was not in its possession.

My brain starts to explode here. I wrote them 2 or 3 times that it was a RENTAL car. I sent them rental receipts twice. I just don't understand what else can/should I do? )


Is it about the money? Of course, no, at least now. I think I am close to spending similar amount on postal stamps and I already spent much more in terms of my time dedicated to this. What pisses me off most is that I thought that rental receipt is going to be a universal and unquestionable proof that I was not a driver at the time of violation. "Sir, a car with a plate XXX-ZZZ was involved in bank robbery and triple homicide yesterday. We saw you in this car three days ago, so you are under arrest... - Sure, but guys, I dropped this RENTAL car 2 days ago, sorry. Bye.". Apparently it is not, at least for EZPass.

What should I do next? The most natural answer is obviously "Let it go. Forget" and I lean towards this myself, but I hate situations like that and want to make it right..

Any ideas? Is there any authority I can report EZPass to? (I guess they don't really care about BBB...)

Personal Finance Deals
ON SALE: 3.1 Phillip Lim - 31 Hour Bag - Light Gray Leather Tote
Added on : Saturday January 11th 2014 09:00:07 AM
Designed for those who fit 31 hours into one day. Superior craftsmanship create the perfect tote for your daily documents and evening escapades. Sophisticated clean lines, fold over zip closure and double handles ensure true versatility.
Craftsman 10 pc Screwdriver Set $6.97 @ Costco B&M
Added on : Saturday January 11th 2014 09:00:03 AM
g: 2 Posted By: bulldingo
Views: 153 Replies: 0 Found at the Richmond, California store (Northern CA).

The handles on these are small in length & diameter, so folks with large hands may not find these to be a viable option.

Images attached.

As always, for those of you who constantly whine about imperfect posts: man up or call mommy.
Tools Deals
Craftsman 150 pc Tool Set $59.97 @ Costco B&M
Added on : Saturday January 11th 2014 09:00:03 AM
g: 2 Posted By: bulldingo
Views: 172 Replies: 0 Found at the Richmond, California (Northern CA) store.

Photos attached.

As always, for those of you who constantly whine about imperfect posts: man up or call mommy.
Tools Deals
g: 0 Posted By: bittul
Views: 200 Replies: 0 This can often be found for FAR. But for those who would rather avoid rebate hassles... This is a great price.

www.amazon.com/gp/product/B00EZKNYWC
Software Deals

Amazon Coupons
g: 0 Posted By: NubileGrandma
Views: 135 Replies: 5 Today I sold some Fidelity commission-free ETFs. The numbers do not add up. Although it appears I was shorted only a few cents, this still bothers me, as those cents are not Fidelity's to take from me and in the aggregate, whoever gets these pennies can make a fortune. I have heard about salami-slicing and wonder if that is what happened? I cannot imagine some fee that I have to pay that is only one or two cents. Is anyone able to explain why the numbers do not add up?
3x25.72 does not equal 77.15; and
11x25.71 does not equal 282.80
Investing Deals
V.me - Service and Privacy Policy Update
Added on : Friday January 10th 2014 03:00:07 PM
g: 0 Posted By: ablang
Views: 100 Replies: 0 Dear Ron, Since the launch of V.me by Visa, weve been hard at work providing you with a simple and secure way to pay at your favorite eCommerce sites. Were writing to make you aware of upcoming changes well be making to V.me to extend the service to even more top merchants, where you shop online and by mobile device. Rest assured, youll continue to enjoy the convenience of entering only your email address and password at checkout. What's HappeningAll changes will be reflected in an updated Privacy Policy, but the key changes you should be aware of include:
Transaction History: We will no longer provide your V.me purchase transaction history on the V.me website. As always, you will continue to receive order details from merchants and payment transaction detail directly from the financial institution that issued your payment card.


Payment Card Account Number: Visa may provide your full payment card account number to merchants and their transaction service providers when you pay using V.me. Visa is leveraging its wealth of experience in security and information handling, using advanced security technologies such as industry standard encryption and multilayer authentication, to protect the information as it is stored and communicated.


Information Sharing and Use: The V.me Privacy Policy was updated to clarify our relationship with participating merchants and their service providers and your issuer with regard to sharing of data. Visa provides information to these entities for the purpose of facilitating your V.me transactions and as described in the Privacy Policy. Please note that these parties may have their own privacy policies governing how they will use and disclose personal information. We recommend that you review the privacy policies for those with whom you interact to learn about their practices.

You will receive another email notifying you when these changes take effect. If youd like to preview the upcoming Privacy Policy, visit https://www.v.me/preview. Looking ForwardWe are hard at work building new payment solutions that promise to bring the simplicity and confidence of swiping your payment card to all of your online and mobile shopping experiences. If you have any questions about your V.me account, please contact us at support@v.me. Thank you, V.me by Visa Please do not reply to this email. It was sent from an email address that cannot accept incoming messages. If you think you received this email in error, please disregard it or let us know at support@v.me.

Discussion Deals
Converse Skateboarding Riviera Blu Suede Pro Leather Mid kicks are made for those who rock in style. Featuring the classic Chuck Taylor feel with a distressed blue suede finish and crystal stud accents these mid sneakers will have you standing out in the crowd.
75% off Bar Tabs in Downtown Orlando!
Added on : Friday January 10th 2014 09:00:05 AM
g: 0 Posted By: TomPtz
Views: 134 Replies: 0 Bar Hopper Card $49.99Regular Price $200.00
Savings $150.01 (Discount 75%)
Cards expire 3/31/2014.
Each establishment will punch their logo at the time of redemption. Tax and gratuity not included. Card will be mailed within 2-7 business days of transaction.

Elixir Orlando
9 West Washington Street, Orlando, FL 32801 407-985-3507
elixirorlando.netElixir Bar Room & Hash House is located at 9 West Washington Street in downtown Orlando, and offers you everything from amazing lunch and dinner specials, to some of the best drinks in town. They have an extensive craft beer menu, exciting whiskeys, and the best ambiance for sports, relaxing, or just catching up with friends.

Stagger Inn
100 East Central Blvd, Orlando, FL 32801 407-317-8484
www.facebook.com/StaggerInnOrlandoStagger Inn is downtown Orlandos best country bar. This is a place where youll end up singing top country music hits at the top of your lungs with your closest friends. Stagger Inn hosts Bear Fights, where youll be sure to end up staggering out after a night of fun.

The Other Bar
18 Wall Street, Orlando, FL 32801 407-843-8595
www.facebook.com/theotherbarIts what every Other Bar should be! The Other Bar on Wall St is open 7 nights a week!!! Nightly drink Specials and warm atmosphere not to mention the best staff downtown!!! Choose your beverage at The Other Bar, and enjoy the best people watching spot downtown has to offer.

Pier 63
63 North Orange Avenue, Orlando, FL 32801 407-425-9908
www.facebook.com/dive.bar.orlandoTheres a new seafood/raw bar place worth doing downtown. Pier 63, formally known as Dive Bar, has an amazing new seafood menu that you need to try. Along with a new menu, they have revamped the entire interior of the bar to really give you the feeling youre enjoying your food and drinks by the Pier! Although many changes have been made, you can still enjoy the same weekly specials and awesome staff from before!

Don Jefes Tequila Parlor
41 West Church Street, Orlando, FL 32801 407-203-0873
www.facebook.com/DonJefesorlandoCome join the fun at Don Jefe's Tequila Parlour, the ultimate one-stop shop for dining, drinks and dancing in Downtown Orlando. Don Jefe's is a Modern-Mexican style restaurant and cantina offering the best atmosphere for lunch, dinner and late night. Their menu consists of authentic Mexican dishes with a modern twist, and they have 4 full service bars with 100 different tequilas and 40 bottled beers to choose from. House-made Margarita flights and pitchers are available as well.

Frank and Steins
150 South Magnolia Ave, Orlando, FL 32801 407-412-9230
www.frankandsteins.comHere's the skinny: Think old war brewpub. Just imagine 300 craft beers, wine, craft spirits, and yummy food. In your mind, visualize 30 50' TV's showcasing every sporting event known to man including UFC with NO COVER. Imagine an afternoon of shuffleboard, Golden Tee, Skee-ball, board games, darts, poker, and a kitchen open late.

Vintage Lounge
114 South Orange Avenue, Orlando, FL 32801 407-649-0000
www.thevintagelounge.com

Vintage is a club for those who are looking for high energy dancing with the sort of polished elegant atmosphere one might find in a place such as New York. With candlelit tables and a twisting arrangement of intimate seating areas, Vintage is the perfect place to see and be seen. Together with an exclusive VIP lounge, Vintage has carved its niche into Orlando night life.

Vanity
110 South Orange Ave., Orlando, Florida 32801 (407) 602-7462
www.vanityorlando.comInspired by the energy and glamour of Las Vegas and Hollywood nightlife, Vanity was created with the elegance and flair that Orlando nightlife aficionados have been longing for. The gorgeous 5,000 square-foot main level features three full service bars, multi-tiered seating, crystal chandeliers, three private VIP areas, a dance floor, a state of the art LED lighting and sound system, and a 400 square foot balcony terrace overlooking bustling Orange Avenue. Vanitys goal is to create a unique experience and to focus on the most important people in the room- our valued guests.

Shine
25 Wall St. Orlando FL 32801 (407) 849-0471
wallstplaza.net/venues/shineShine is the newest bar in Downtown Orlando at Wall St. Plaza. Located in the former Slingapours spot, Shine is a whole new dance club atmosphere that you need to experience for yourself! Shine will feature a simple but savory food menu, an extensive beer list, classic and craft cocktails. But they wouldnt be called Shine without their signature house-batched moonshines now on tap! Try the new seasonal Pumpkin moonshine or the traditional Apple Pie moonshine a crowd favorite brought over from Hooch and made in house.

Draft Bar
333 West Church Street, Orlando, Florida 407-826-1872 32801
www.facebook.com/pages/Draft-Global-Beer-Grill-Orlando/198706460151024Draft Global Beer Lounge & Grill, the new bar, lounge and eatery across from the Amway Center on Church Street, has everything youre looking for and more! Do you have a love of bacon? Try the bacon infused vodka shots, or try out any of the plentiful offerings on the vast craft beer menu. Draft also offers a great menu for lunch and dinner, with a view that cannot be beat.Voucher good through: March 31, 2014odealsdaily.com
Restaurants & Entertainment Deals
g: 0 Posted By: adaminbremen
Views: 45 Replies: 0 I am interested in identifying companies that stand to gain by the spread and adoption of Bitcoin. For example, Overstock accepts Bit and believes they will see 1-2% of all 2014 sales transacted in Bitcoin. Considering that they also avoid credit card fees etc on those sales, and their average margin is 2%, I would have to say that they are a company that will gain as Bitcoin adoption spreads. What other publicly traded companies will gain by the widespread adoption of Bitcoin?
Question Deals
Survey for Male tobacco users in Jacksonville Fl area
Added on : Thursday January 09th 2014 09:00:13 AM
g: 0 Posted By: FreevilleUSA
Views: 119 Replies: 0 Attention MALE Smokers in the Jacksonville Florida area: Concepts in Focus is looking for male smokers and those that dip for, a one hour study. The pay is 75.00 CASH.
If interested call 904 264-3282 and ask for Project Tobacco. They will screen you over the phone and set up an appointment for you to come in.
Surveys & Rewards Deals
Heads-up, $5 in email for sears/kmart from sears' shopyourway rewards
Added on : Thursday January 09th 2014 04:00:02 AM
g: 0 Posted By: mixa
Views: 5 Replies: 0 Accidentally found this in my JunkMail this am from Sears' "Shop Your Way Rewards"

You have $5 in surprise points (5,000points)!Here's how to use them!

►Make a Sears purchase.

►At checkout, an extra $5 in surprise points (5,000 points) will be waiting in your account!

►Redeem those points on your qualifying purchase in store or online at Sears.

Ta-da! $5 in surprise point savings!

HURRY! These points are valid 1/9/14 - 1/15/14.
CP-2000 on 2012 PayPal 1099-K
Added on : Wednesday January 08th 2014 11:00:05 PM
g: 0 Posted By: mm1g
Views: 99 Replies: 0 Hi,

In 2012 I sold a large amount of used items that I had accumulated throughout the years and this resulted in Paypal issuing a 1099-k. Since I

- Sold nearly all of this personal property at a loss
- Have never generated a yearly profit (don't do much selling, hence the accumulation) and don't expect to in the future (these losses aren't startup expenses)
- Don't rely on the sale of personal property for income
- Put as little effort as possible into the sales of the items (basically just listed everything on eBay in chunks)
- etc etc

it didn't seem appropriate to claim myself as a small business and file schedule C on the 2012 taxes. Instead, I found as many of the receipts as possible for the items and determined that out of the ~250 transactions, a whopping 25 or so individual sales managed to generate a profit. I deducted the eBay/paypal fees and shipping fees for these specific transactions and listed them via schedule D as short/long term gains, depending on when the item was originally purchased. The remainder of the 1099-k income wasn't declared as I understood from irs.gov that "yard sale" transactions of personal property that result in losses are not declared/documented.

Seems that wasn't what they were expecting. Received a CP-2000 early this week indicating they expected a schedule C entry for the 1099-k.

Seems funny that people are likely to get audited for claiming to be a small business and deducting all kinds of illegitimate expenses, and here I am trying to convince the IRS that I'm not a business and my losses shouldn't be deductible.

Anyhows, my question is -- now what? I've attempted to contact my local LITC by phone for support in writing the response but they haven't been responsive. There's no way that I'll be able to itemize a bunch of dvds and video games I bought 10 years ago and sold for a fraction of what I spent on them. There was no intent to profit there, so no need to keep the receipts around. I'd rather not get yelled at for claiming to be a business and then not being businesslike so does that make this a hobby business, thus use schedule A? Doesn't seem logical to claim a selloff where things all generate a loss as a business of any sort, hobby or otherwise.

Would it be a mistake to contact the IRS agent via phone and get their opinion? Am worried this is one of those situations where anything you say can and will be used against you...guess I'm just dreaming that they'd go "oooooooooohhhhhhhhhhhh, ok, yeah, you did that right. Let me just click this box here aaaaaand ok, you're good to go. Sorry for the inconvenience!"

Thanks.
Question Deals
g: 0 Posted By: bittul
Views: 205 Replies: 0 $3.60 each... A nice 10% below (my) $4 each "hot deal" price.
{also consider another few cents back in drugstore.com Dollars to use in April}

Click here to activate $5 off $40. {need to enter zip-code and click "get estimate" after adding items to cart to see discount}.
http://www.drugstore.com/user/promo.asp?code=67F5B2CD&aid=281067&aparam=14wk19dsCOUPS

http://www.drugstore.com/brita-water-filter-pitcher-replacement-filters/qxp93303?catid=184691
Add 2 sets of 5 to cart.
= $35.58 for 10.

~~~~~~~~~~~~~~~~~~~
When those run out, next best is the 10-pack for $36.99
http://www.drugstore.com/brita-water-pitcher-replacement-filter/qxp150134?catid=184691
Home & Garden Deals

drugstore.com Coupons
Wise Foods Emergency Meals - From $24.99 @ Tanga
Added on : Wednesday January 08th 2014 04:00:09 PM
g: 1 Posted By: heyyl0w
Views: 276 Replies: 0 Tanga has a Wise Foods Emergency Meals salegoing on right now. Prices start at $24.99. Shipping varies depending on item selected.

Almost everything they're selling is at the lowest price I could find it. The food itself has mixed reviews from those that I saw. It's all dehydrated as opposed to freeze-dried. It seems like it's hit-or-miss on the taste, but the portion sizes are good. These would probably be best as an actual emergency/zombie apocalypse solution rather than using them for camping or other outdoor activities.

Options include:

Wise Foods Outdoor Meals 72-Hour Emergency Entree Kit- $24.99

Wise Foods - Real Eggs (24 Serving)- $33.99

Wise Foods - 120 Serving Milk Bucket- $49.99

Wise Foods 7 Day Ultimate Emergency Meal Kit- $84.99

Wise Foods 104-pc. Emergency Food Variety Pack- $92.99

Wise Foods 1440 Serving Package (6 Months of Food)- $1899.99
Food Deals

Tanga Coupons
g: 0 Posted By: heyyl0w
Views: 154 Replies: 0 DiscountMags has a 2-year subscription to Cosmopolitan Magazinefor $9.50 after code "FATWALLET" is applied.

DiscountMags usually sells this for $30. Recently on FW there have been free subscriptions, but those have all expired.


Magazines Deals

DiscountMags.com Coupons
g: 0 Posted By: heyyl0w
Views: 180 Replies: 0 RUUM has 30% off their sale sectionright now. Tops from $3.49, bottoms from $4.99, select shoes $10.

For those who may be unaware, RUUM is a relatively new childrens' clothing store. It's owned by the former CEO of The Children's Place. It also rose from the ashes of American Eagle's kids store, 77kids.

Shipping is flat rate $7 or free over $60. My mom purchases items from RUUM all the time for my ridiculous amount of siblings. They fit well and none of them have worn down yet.

Shop Girls
Shop Toddler Girls
Shop Boys
Shop Toddler Boys
Shop Baby
Clothing Deals
PSA: Qualified Mortgage Requirements effective January 10, 2014
Added on : Tuesday January 07th 2014 07:00:11 PM
g: 0 Posted By: boxerbrief
Views: 0 Replies: 0 I did a search and no one has posted this yet. Some major changes are happening in the mortgage industry, and I just thought the community here should be aware. Effective January 10, 2014, the CFPB will be implementing the Ability to Repay and Qualified Mortgage Standards under TILA (Regulation Z). While most lenders may still originate loans that don't meet the standards, those who originate QM loans will have Safe Harbor legal protections meaning a borrower who got a loan and defaulted can not sue the lender for originating a bad loan (example: the borrower in a QM loan can not claim the income was not sufficient to cover the expenses so the loan should not have been originated in the first place). Some of the new rules for QM I pasted below, but you should go straight to the CFPB website for the actual laws and how it may impact you if you are looking to get a mortgage loan in the near future. Note that a 43% debt-to-income ratio is the new ceiling in the law as I know that is a common question on the forum about qualifying for a loan. It is hard to predict how different lenders will react to this, but I know that one particular lender will only originate QM loans as of January 10th and added on additional reserves and residual income criteria (not part of the law) in response to this law since lenders can now get sued for bad loans. I know a lot of you will be surprised that they actually have to make a law for the ability to repay aspect, which I agree should be something every lender should be doing already in the first place.

www.consumerfinance.gov/regulations/ability-to-repay-and-qualifi...

Mandatory product feature requirements for all QMs Points and fees are less than or equal to 3% of the loan amount (for loan amounts less than $100k, higher percentage thresholds are allowed); No risky features like negative amortization, interest-only, or balloon loans (BUT NOTE: balloon loans originated until January 10, 2016 that meet the other product features are QMs if originated and held in portfolio by small creditors); Maximum loan term is less than or equal to 30 years.

=11.5ptAbility-to-Repay Determinations=11.5pt. The final rule describes certain minimum requirements for creditors making ability-to-repay determinations, but does not dictate that they follow particular underwriting models. At a minimum, creditors generally must consider eight underwriting factors: (1) current or reasonably expected income or assets; (2) current employment status; (3) the monthly payment on the covered transaction; (4) the monthly payment on any simultaneous loan; (5) the monthly payment for mortgage-related obligations; (6) current debt obligations, alimony, and child support; (7) the monthly debt-to-income ratio or residual income; and (8) credit history. Creditors must generally use reasonably reliable third-party records to verify the information they use to evaluate the factors.
Touch Screen Gloves (Men & Women) - from $6.99 + FS @ Tanga
Added on : Tuesday January 07th 2014 05:00:08 PM
g: 0 Posted By: heyyl0w
Views: 159 Replies: 0 Tanga has a variety of touch-screen compatible gloves available in assorted colors and styles. Prices start at $6.99 and the highest price is $8.99. Shipping is free. Several of them are in packs of 2.

"From Smartphones and iPads to GPS, these touch gloves run them all. With conductive finger tips, these gloves offer easy and convenient use with any touchscreen device while keeping your entire hand and fingertips covered from the cold.......Great for anyone, from the sports enthusiast, collegiate, seasoned traveler, and gadget guru to those who work in cold environments, etc. These handy accessories are made of 95% Acrylic and 5% Spandex which will fit a wide range of variably sized hands (men, women, and teens), while returning back to its original size after each use.All colors are one size fits most."
Clothing Deals

Tanga Coupons
Mario/Luigi Wii Remote Plus $31.99
Added on : Tuesday January 07th 2014 04:00:05 PM
g: 0 Posted By: CrazyJoe0813
Views: 57 Replies: 0 The new Mario & Luigi Wiimotes are on sale at Amazon and Best Buy for $31.99 each. This is the first time I've seen them on sale. If you wanted

Amazon
Mario - http://www.amazon.com/Wii-Remote-Plus-Mario-Nintendo/dp/B00FLYZ7...
Luigi - http://www.amazon.com/Wii-Remote-Plus-Luigi-Nintendo/dp/B00FLYZI...

Best Buy
Mario - http://www.bestbuy.com/site/wii-remote-plus-mario-red-blue/22174... wii remote&cp=1&lp=1
Luigi - http://www.bestbuy.com/site/nintendo-wii-remote-plus-luigi-green...

It appears that the standard colors (white, blue, black & pink)are also on sale for the same price if you'd prefer those.
Wii Deals

Amazon Coupons
Rocksmith 2014 with Cable PS3 or Xbox $49.99 @Amazon
Added on : Tuesday January 07th 2014 01:00:02 PM
g: 1 Posted By: Bored
Views: 174 Replies: 0 Santa didn't bring this so I've been waiting for it to go on sale for the price before Xmas. Good way to use those Amazon gift cards on something to make the winter go by faster.

Rocksmith 2014 with Cable
Xbox 360 Games Deals

Amazon Coupons
Interpreting Early IRA Distribution Rules for Education Expenses
Added on : Tuesday January 07th 2014 12:00:13 PM
g: 0 Posted By: Gauss44
Views: 53 Replies: 0 I withdrew money from an IRA to pay for expenses that may or may not be considered "educational expenses" by IRS's standards.

The IRS's rules are here:http://www.irs.gov/publications/p970/ch09.html

The most relevant part seems to be this line: "Qualified education expenses.For purposes of the 10% additional tax, these expenses are tuition, fees, books, supplies, and equipment required for enrollment or attendance at an eligible educational institution."

My situation: I have 2 kinds of educational expenses. 1. The first kind of expense is preparation for the MCAT exam. IMO, any tutoring, books, prep courses, etc. to prepare for the MCAT might be "required for enrollment or attendance at an eligible educational institution" because you cannot go to medical school without a satisfactory score on the MCAT. However, I suspect that while this might fit IRS's definition, it might not be what they meant when writing those rules. 2. The second type of educational expense I had in 2013 includes tutoring, a calculator, pens, and notebooks required to complete free online courses offered by MIT (Massachusetts Institute of Technology). I looked up the definition of "enroll" online and it didn't say that paying tuition is a requirement for "enrolling." Since I registered for these classes on the website, I wonder if I was "enrolled" for tax purposes. Since it says "enrolling or attending" I'm wondering if "attending" classes virtually by watching the classes online and taking part in online discussions counts.

I suspect that this is a "gray area" that IRS reps won't be helpful with or will have conflicting advice. Before checking with a tax attorney, I figured I would post this here to see if anyone else has had these questions in the past, in 2012 or whenever, and if you have an opinion about whether or not any of this qualifies as an "educational expense" by IRS's standards.

Tutoring was from Wyzant: www.wyzant.com
Free online courses were from MIT here:http://ocw.mit.edu/courses/
Investing Deals
best credit cards for those who pay off their monthly balances?
Added on : Monday January 06th 2014 02:00:07 PM
g: 0 Posted By: ablang
Views: 212 Replies: 2 Is it better to have a 2-6% rewards Cash Back card or a miles rewards card w/ an annual fee?

I know a principal engineer at work who charges and pays off $2k/month on their miles credit card so he earns free flier miles every year.
Meanwhile, I'm making a measly 2-6% on my CB CCs. If I ever do take any trips where I need to fly it would only happen once every few years, and it would most likely be international more than domestic.
Credit Deals
Good business checking account and CC for actual business?
Added on : Monday January 06th 2014 01:00:12 PM
g: 0 Posted By: motuwallet
Views: 124 Replies: 0 as the title asks, any suggestions for a good checking acct and credit cards for a business? In particular, I'm interested in being able to maintain a good degree of separation between my FWF activities and my actual business activities. Both for accounting purposes - I'm told I should keep business expenses on the business accounts as much as possible - and for allowing me to continue maximizing personal FWF techniques.

For instance, Cha$e has some good business card offers but I'm wondering if I should keep those available for my personal activities. I don't want to risk the possibility of personal AA affecting my business accounts.

The CC expense profile of my business will be mostly web services (AWS, etc).
Personal Finance Deals
3D Luxe Premium Glass for iPhone 4/4S or 5 @ Tanga - $11.99
Added on : Monday January 06th 2014 12:00:03 PM
g: 0 Posted By: Virgil27
Views: 395 Replies: 0 3D Luxe Premium Glass for iPhone 4/4S or 5 @ Tanga - $11.99
compare at $24.99
Free Shipping!Protect your iPhone from those winter spills and chills with this 3D Luxe Premium Glass from Tanga for $13 off the next lowest price with free shipping.  (FatWallet Deal Hunter staff posts are certified ad-free. No money, bribes, or candy have been accepted.)
Cell Phones Deals

Tanga Coupons
g: 0 Posted By: jeffwastaken
Views: 186 Replies: 0 breaking bad blu-ray barrel box set

from breaking bads official store: "We would like to invite you, our valued customers, topre-order your Complete Series Breaking Bad barrel, entitling you to the first shipment of the next limited release set, when we meet production demand."

since these are currently selling for exorbitant prices those of you who would like this box set can pre-order for a price that isnt quite as obscene; if Amazon ends up selling it for $100 less as they did during the first press you can cancel or return your breakingbadstore.comorder.

i wasnt able to find any information regarding whether the contents of the second press will be identical to the original, although the product description seems to indicate that it is.


Blu Ray Deals
Seeking comprehensive dividend-stock site
Added on : Monday January 06th 2014 08:00:10 AM
g: 2 Posted By: Solomon960
Views: 102 Replies: 2 I have invested in dividend-paying stocks for several years. During my analysis of potential trades, I must consult multiple sites in order to arrive at a decision. Though it is always wise to perform due diligence when making a decision, it can be frustrating to learn that the content of one site is not reflected in another (when evaluating one specific criterion) or that no site includes the information one seeks.

Therefore, I am seeking others' thoughts on one site which includes the following two variables: (1) identifies all known U.S. and Canadian dividend-paying companies and (2) includes the number of dividends (both regular and special) each company paid out each calendar year.

To date, I have yet to find a site that includes all active dividend-paying U.S./CAN companies - those that are well known and those that are traded OTC. Accordingly, by default, since no site identifies all applicable companies, none identify the total number (and amounts of each) dividends issues each year.

For reference, I regularly visit the following sites for research purposes:

dividata.com
www.dividendchannel.com/
www.dividend.com
ycharts.com
www.gurufocus.com
seekingalpha.com
www.dividendinvestor.com
investing.money.msn.com
finance.yahoo.com
www.marketwatch.com
www.stockhouse.com


Thank you.

Investing Deals
g: 1 Posted By: remick
Views: 424 Replies: 1 Shame Interrupted: How God Lifts the Pain of Worthlessness and Rejection
http://www.amazon.com/gp/product/B00F5KX7AU

4.8 out of 5 stars (26 customer reviews)

Shame controls far too many of us. Worthless, inferior, rejected, weak, humiliated, failure...it all adds up to wishing we could get away from others and hide. We know what shame feels like. The way out, however, is harder to find. Time doesn't help, neither does confession, because shame is just as often from what others do to you as it is from what you have done. But the Bible is about shame from start to finish, and, if we are willing, God's beautiful words break through.

Look at Jesus through the lens of shame and see how the marginalized and worthless are his favorites and become his people. God cares for the shamed. Through Jesus you are covered, adopted, cleansed, and healed.
--
Edward T. Welch, MDiv, PhD, is a licensed psychologist and faculty member at the Christian Counseling & Educational Foundation (CCEF).



Way of the Wise, The: Simple Truths for Living Well
http://www.amazon.com/dp/B00AFWM4RA

4.5 out of 5 stars (30 customer reviews)

Do not forget my teaching, but keep my commands in your heart, for they will prolong your life many years and bring you prosperity. Let love and faithfulness never leave you." These and other seemingly simple lessons were hard-won for a hardheaded young man who was more "wise guy" than "wise" early in life.

Now, internationally known psychologist and New York Times bestselling author Dr. Kevin Leman shares the biblical wisdom that has shaped him into the successful, joy-filled person he is today. With his trademark wit and humorous stories from his personal life, Dr. Leman shows readers how to jump-start or revitalize their lives both spiritually and practically with words from one of the wisest men of all time. (Hint: It's not him.) Dr. Leman offers hope, courage, and a fresh perspective on living a great life, all in a compact, readable package. This lively and inspiring book makes the perfect gift for professionals, graduates, and anyone who could benefit from simple truths for living well.



A Well-Worn Path: Thirty-One Daily Reflections for the Worshipping Heart
http://www.amazon.com/dp/B00FHI4VZU

4.9 out of 5 stars (10 customer reviews)

A Well-Worn Path is a beautiful collection of thirty-one brief daily spiritual reflections to renew your heart. Written by respected worship leader and teacher Dan Wilt, each devotional gives you a daily "boost of the Spirit," helping you find your well-worn path of intimacy with God. Designed for daily use, these short readings present a fresh, twenty-first century approach to the daily devotional, and will spark hope and faith in Jesus in you once again.



Zombie ChurchBreathing Life Back into the Body of Christ
http://www.amazon.com/Zombie-Church-Tyler-Edwards-ebook/dp/B0069W0IOG

4.5 out of 5 stars (17 customer reviews)

There is something missing in the church today. Stuck in a rut of routines and rituals, the church is caught up in doing what it is supposed to do but is lacking the true essence of what it is supposed to provide: life. Real faith--and a real relationship with Jesus--is not about playing by the rules, attending services, and praying before meals. Real faith is more than religion.



Angels: How to Understand, Recognize, and Receive Their Assistance
http://www.amazon.com/Angels-Understand-Recognize-Receive-Assistance-ebook/dp/B00H6U3DWY/

Angels: How to Understand, Recognize, and Receive Their Assistance is practical handbook for those desiring to learn about angels and receive angelic assistance and support. The book lays out a system for understanding how angels communicate with us and explains how we can connect with them to make our lives easier. This book is intended for anyone who is interested in the topic, no prior angel knowledge is necessary to read this book.



Shine Your Light: Happiness in the Company of Angels - 52 Weekly Quotes of Love & Support
http://www.amazon.com/Shine-Your-Light-Happiness-Company-ebook/dp/B00HMY4LRK

In this book you will find 52 weekly quotes inspired by the Angels to support and encourage you in your daily life. 14 of the quotes come together with beautiful pictures and are there as a reminder to look at life through the eyes of a child, or an Angel.



Faith Seeking Unspeakable Consolation
http://www.amazon.com/Faith-Seeking-Unspeakable-Consolation-Almodovar-ebook/dp/B00E72KBNS

Over the centuries theologians, philosophers, pastors and layman have wrestled with the theological Gordian knot of questions: If God is all-powerful (omnipotent) and all-loving (omni-benevolent) how can evil exist in the world?


Books Deals

Amazon Coupons
90 Percent off Holiday Things at CVS
Added on : Monday January 06th 2014 07:00:04 AM
g: 1 Posted By: mahatmakanejeeves
Views: 79 Replies: 0 I was at my local CVS yesterday. They had an aisle full of leftover things from the holidays, with the prices reduced by 90 percent. Among those things weretwo Emerson telescopes. Emerson, themost famous name in telescopes, right? Look, I know it's not going to be great.I see these things at yard sales all the time, usually priced at $20 or so, and I've never been willing to pay that for them. The sticker price on the box (that is, the price it had before December 25) was $19.99. At 90 percent off, that means it was going for $2. I figure, how bad does a telescope have to be before it's not worth $2? Checking the reviews this morning, I see they are, as I expected, pretty bad. Well, I bought one, so I'll let you know if it's not even worth $2.

http://www.amazon.com/Emerson-Refractor-Telescope-with-Tripod/dp...

And it is impossible that this thing ever, at any time, was priced at $75. That's just plain fraud.
Home & Garden Deals

CVS Coupons
Buying a rental house targeted at shorter-term tenants
Added on : Monday January 06th 2014 06:00:15 AM
g: 0 Posted By: Bagofchips
Views: 0 Replies: 0 Here's an idea I'm toying with. Where I live (suburbs, upscale, Northern California)there is little inventory for housing (be it rental or purchase). This in turns leads to more people wanting to remodel their homes, but those who do so often have the challenge of where to live short-termduring a move-out remodel.

The cash flow on homes purchased for rental usually stinks, but am thinking MIGHT be able to make something work with a rental targeted at shorter-term occupancy. Rental terms would be front-loaded with a higher rate and the rate would decline over time (to a still-above-market rateat month-to-month). Where I am there is no rent control. Shorter-term tenants also include the recently-relocated (from outside the area or urban flight families) who are house hunting.

The ideal home for such a situation would have these qualities:

Generousgarage for storage
One level for easier move-in / out
Convenient location
Finishes / fixtures able to withstand more wear & tear

Things that ordinarily might hinderproperty value which could matter lessto shorter-termtenants (to an extent):

Road noise
Appearance of neighboring properties, house itself, grounds
Interior condition

So basically, I'm thinking there might be a way to cater to shorter-term credit-worthy tenants paying above-market rent in a property that is fundamentallylower cost / sq ft. Clearly Iwould need to manage vacancy. I can't get to the oft-advised1% rent threshold, though I will be able to self-manage given my proximity to it. Rent could cover mortgage and property taxes and minimal maintenance like landscaping. But let's say not routine repairs, insurance, home warranty...

Input?
g: 0 Posted By: remick
Views: 315 Replies: 1 Shame Interrupted: How God Lifts the Pain of Worthlessness and Rejection
http://www.amazon.com/gp/product/B00F5KX7AU

4.8 out of 5 stars (26 customer reviews)

Shame controls far too many of us. Worthless, inferior, rejected, weak, humiliated, failure...it all adds up to wishing we could get away from others and hide. We know what shame feels like. The way out, however, is harder to find. Time doesn't help, neither does confession, because shame is just as often from what others do to you as it is from what you have done. But the Bible is about shame from start to finish, and, if we are willing, God's beautiful words break through.

Look at Jesus through the lens of shame and see how the marginalized and worthless are his favorites and become his people. God cares for the shamed. Through Jesus you are covered, adopted, cleansed, and healed.
--
Edward T. Welch, MDiv, PhD, is a licensed psychologist and faculty member at the Christian Counseling & Educational Foundation (CCEF).



Zombie ChurchBreathing Life Back into the Body of Christ
http://www.amazon.com/Zombie-Church-Tyler-Edwards-ebook/dp/B0069W0IOG

4.5 out of 5 stars (17 customer reviews)

There is something missing in the church today. Stuck in a rut of routines and rituals, the church is caught up in doing what it is supposed to do but is lacking the true essence of what it is supposed to provide: life. Real faith--and a real relationship with Jesus--is not about playing by the rules, attending services, and praying before meals. Real faith is more than religion.



Angels: How to Understand, Recognize, and Receive Their Assistance
http://www.amazon.com/Angels-Understand-Recognize-Receive-Assistance-ebook/dp/B00H6U3DWY/

Angels: How to Understand, Recognize, and Receive Their Assistance is practical handbook for those desiring to learn about angels and receive angelic assistance and support. The book lays out a system for understanding how angels communicate with us and explains how we can connect with them to make our lives easier. This book is intended for anyone who is interested in the topic, no prior angel knowledge is necessary to read this book.



Shine Your Light: Happiness in the Company of Angels - 52 Weekly Quotes of Love & Support
http://www.amazon.com/Shine-Your-Light-Happiness-Company-ebook/dp/B00HMY4LRK

In this book you will find 52 weekly quotes inspired by the Angels to support and encourage you in your daily life. 14 of the quotes come together with beautiful pictures and are there as a reminder to look at life through the eyes of a child, or an Angel.



Faith Seeking Unspeakable Consolation
http://www.amazon.com/Faith-Seeking-Unspeakable-Consolation-Almodovar-ebook/dp/B00E72KBNS

Over the centuries theologians, philosophers, pastors and layman have wrestled with the theological Gordian knot of questions: If God is all-powerful (omnipotent) and all-loving (omni-benevolent) how can evil exist in the world?


Books Deals

Amazon Coupons
g: 0 Posted By: ElGuache
Views: 235 Replies: 0 If you were one of those people who bought Command and Conquer The Ultimate Collection from this deal, then you should had received an email from Amazon indicating that you should have a $5 credit to your games account.
You will not be able to see the credit, but the email sends you a link to the 2013 Editor's Choice Digital Games Pageon Amazon from which you can get any of those games and the $5 credit will be applied to.
I added Ace Patrol Packinto my Cart and before you finish your purchase, it shows the $5 credit, so final price is $0.99, or you can buy any of the other games from the 2013 Editor's Choice page and get the $5 credit at the end of the purchase.
Apps Deals

Amazon Coupons
g: 0 Posted By: javajoejava
Views: 39 Replies: 0 Saw this good price ($279 shipped) on the Bose QuietComfort 3 Acoustic Noise Cancelling Headphones at Amazon (free shipping). Best price in a while according to the camels. Great for those that travel a lot or spend a lot of time commuting!

http://www.amazon.com/dp/B0081XAXXM/ref=wl_it_dp_o_pd_nS_ttl?_en...Ships from and sold by Amazon.com. Gift-wrap available.

High-performing noise reduction for home, work or travel
Rich, detailed audio highlights musical nuances
Comfortable, on-ear fit for hours of easy listening
Includes two audio cables, one with mic/remote for iPhone/iPod control and hands-free iPhone calling, and a travel case
25 hours of use on average from rechargeable Li-ion battery; includes charger

-JavaJoeJava
Headphones & Speakers Deals

Amazon Coupons
Commuting/Travel Expenses - Tax Deductible?
Added on : Saturday January 04th 2014 06:00:07 PM
g: 0 Posted By: supersnoop00
Views: 94 Replies: 1 I expect I'll need to pay a professional to advise on this issue, but I'm hoping some folks here can point me in the right direction first.


My wife is about to receive her PhD; she already defended, so she just needs to file and walk across the stage. She's hoping to get a job teaching at a university. This coming semester, she's taken a position teaching at a school about 200 miles away from where we live. They've scheduled her to teach two classes, one at night and another the next morning, so she'll be spending the night away from home. Is there any way to structure this arrangement to allow deduction of travel/commuting expenses for tax purposes? My research so far indicates that the job location would be her "tax home," and therefore nothing would be deductible. If, however, we set up a "home office," that might become her tax home. I think any expenses would have to exceed 2% AGI before anything can be deducted.

What is required in order to make these expenses deductible?
Is there a way to deduct all expenses, or only those above 2% of AGI?


To make things more complicated, many of the jobs she's applying for next academic year are only one or two year appointments. They would probably require her to maintain an apartment or other living arrangement in a city much farther away. She'd spend most of her time there, only coming home every other weekend and on school breaks. This living arrangement would, no doubt, complicate things even more for tax purposes, but would also be much more expensive, thus more worthwhile to find a way to deduct the commute.

Would the expenses in this scenario be deductible at all?

Tax Deals
Lean Cuisine Buy 9, Get 1 Free + Free Skinny Cow Product
Added on : Saturday January 04th 2014 05:00:04 PM
g: 0 Posted By: WideOpenSpaces
Views: 107 Replies: 0 Lean Cuisine has a new 10 Day Try It program. After registering for the promo on Facebook, you will be emailed a starter kit which includes a coupon to buy 9, get one free. After entering in 10 codes into the Facebook app, you will then earn a free Skinny Cow product (up to $5.49 value).

Those shopping at Giant Eagle stores will see Lean Cuisine meals are 6 for $10 this week. You must buy 6 to qualify for this price, making 12 Lean Cuisine meals + Skinny Cow product for $20, which is a fantastic offer.
Frozen Goods Deals
g: 4 Posted By: itsyourbirthday
Views: 336 Replies: 3 *Don't be persuaded by the "T Rowe Price customers only" in the title. Even this posting, dated Jan/03/2014,is technically only for State Farm Insurance customers.

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

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

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

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

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

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

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

YOU FOUND THE LINK

Fine print mumbo-jumbo from TT website...

Efiling your Personal Federal and State Tax Returns with TurboTax Online

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

TurboTax CD/Download

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

Efiling Your Business Returns

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

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

This comment confuses me though...

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

TurboTax Coupons
iOttie Car Mount Clearance Sale @ Tanga
Added on : Saturday January 04th 2014 02:00:03 AM
g: 1 Posted By: Xenocrates
Views: 322 Replies: 0 iOttie Car Mount Clearance Sale @ Tanga Great deal for those of you who live in a 'hands free" phone use while driving state.  If your from Illinois like me, the law changed on the 1st of the year. 6 Different ModelsiOttie Easy Flex 2 Universal Windshield Dashboard Car Mount Holder - $13.99 + Free ShippingiOttie Easy View Universal Car Mount Holder - $12.40 + Free ShippingiOttie Easy One-Touch Universal Windshield Dashboard Car Mount Holder - $12.99 + $0.99 S/H = $13.98iOttie Easy One-Touch XL Windshield Dashboard Car Mount Holder - $12.99 + $0.99 S/H = $13.98iOttie Easy Smart Tap iPad Car & Desk Mount - $21.99 + $4.99 S/H = $26.98iOttie Easy Smart Tap iPad Mini Car & Desk Mount - $21.99 + $4.99 S/H = $26.98   (FatWallet Deal Hunter staff posts are certified ad-free. No money, bribes, or candy have been accepted.)
Cell Phones Deals

Tanga Coupons
20% OFF + Free ship on any item at cowboom.com (bestbuy)
Added on : Friday January 03rd 2014 07:00:03 PM
g: 0 Posted By: terroralpha
Views: 253 Replies: 0 Use coupon code NUEVA20

for those of you who don't know, CowBoom.com is bestbuy's website where they usually resell open box items and occasionally new items. this is a VERY rare coupon that comes up at random times once a year.

enjoy
Electronics Deals

CowBoom Coupons
g: -1 Posted By: DaysFan
Views: 267 Replies: 1 http://www.rakuten.com/prod/agptek-full-super-slim-lcd-7-tft-capacitive-touchscreen-tablet-ebook/242963731.html

http://www.rakuten.com/

AGPtek Full Super Slim LCD 7" TFT Capacitive TouchScreen Tablet eBook, 512MB+4GB Flash, Android 4.0(ISC), 1080P HD decode, FLASH 11.1, Wifi , microSDHC slot - TP7AYA

Today $59.99 Free Budget Shipping\\

Condition: Brand New

Manufacturer: AGPtekMfg Part#: TP7AYASku: 242963731UPC: 848454037377UPC 14: 00848454037377Sales Rank

Tablet 7 inchFire-scale prices but high quality! Touch screen tablets with Android 4.0 only cost less than $100? Yes, those are what are on sale now in our store! Our tablets are of good quality with rapid and fluent speed. Yet, they all cost no more than $100! You can't find such a tablet with the competitive price in other stores.
Features
HDMI Yes Aspect Ratio 128:75 Screen Resolution 1024 x 600 Screen Size 7" Screen Mode WSVGA Touchscreen Yes Graphics Controller Manufacturer Imagination Technologies Graphics Controller Model PowerVR SGX540 Display Screen Type Active Matrix TFT Color LCD Multi-touch Screen Yes Product Type Tablet Manufacturer Part Number TP7AYA Manufacturer Agptek.com, Inc Product Model TP7AYA Product Name TP7AYA Tablet Brand Name Agptek Front Camera/Webcam Yes Standard Memory 1 GB Memory Technology DDR3 SDRAM Memory Card Reader Yes Package Contents
TP7AYA Tablet
AC Adapter
OTG Cable
USB Cable
User Manual

Green Compliant Yes Green Compliance Certificate/Authority RoHS Wireless LAN Yes Weight (Approximate) 11.29 oz Form Factor Slate Height 0.4" Width 7.2" Depth 4.8" Flash Memory Capacity 4 GB Optical Drive Type No Processor Type Cortex A9 Processor Core Dual-core (2 Core) Processor Manufacturer ARM Operating System Android 4.2.2 Jelly Bean Operating System Platform Android Limited Warranty 1 Year
In Stock:Usually ships in 24 hours.
Tablets & iPads Deals

Rakuten.com Shopping (formerly Buy.com) Coupons
Reminder for those who got their AMEX Platinum Last Year with 100k MR
Added on : Friday January 03rd 2014 09:00:13 AM
g: 1 Posted By: bigdinkel
Views: 90 Replies: 2 Your Annual Fee will be charged within the next couple of days. I plan on cancelling because they're eliminating the American Airlines and US Airways Lounge Access. I wonder what the Retention Offers AMEX has offered the FWF
Deal Deals
g: 0 Posted By: slervik
Views: 147 Replies: 0 That Daily Deal has the GamaGo T-Bone Spatula on sale for $4.99 with free shipping. Your meatiest Utensil!


"Show your meat some love with this handsome T-Bone Spatula! Everyone will know how serious you are about meat when you whip this bad boy and start grilling chops, flipping burgers and situating those sizzling steaks."

**The Spatula's handle is stainless steal. The end is silicone & heat safe up to 500-Degrees.**
**13.75-in. Total Length**

MEAT UTENSIL LINKKKK
Home & Garden Deals
Backdoor Roth Timing
Added on : Friday January 03rd 2014 05:00:15 AM
g: 0 Posted By: cpaynter
Views: 88 Replies: 2 In 2013, for the first time in our lives, DW and I made too much money to contribute directly to Roth IRAs. Good problem to have, I know. So we switched our contributions to non-deductible traditional IRAs, then come December, converted those traditional IRAs to Roths. So all is well, except that we start out 2014 with exactly $12,000 in our 2013 Roths. In other words, we're missing out on any tax-free growth for the year. I'm thinking that it would have been better, as soon as we knew we'd be over the income limit for Roth (in our case in June), to immediately make our full contributions to the traditional IRA's and convert those to Roth's. That way, all earnings for the rest of the year would roll into the Roth's and would be tax protected. Am I wrong here? Turns out in 2014, we'll probably be in the same state (over the earnings limit). So I'm thinking we're better off to, right now, contribute the max to a traditional IRA and do the conversion to Roth. That way, we'd keep in the Roth the whole year of earnings, instead of just $12,000 if we waited until December to do the conversion. Am I overthinking this?

Chris.
Investing Deals
g: 0 Posted By: DaysFan
Views: 192 Replies: 1 Disney/Pixar Monsters University InnoTab 3S Gift Set by VTech
Regular $159.99
http://www.kohls.com/product/prd-1551947/disneypixar-monsters-university-innotab-3s-gift-set-by-vtech.jsp?prodId=1551947&skuId=94555054&_requestid=741949

linkedWith a Disney/Pixar Monsters University theme, this InnoTab 3S learning tablet, storage case, headphones and accessories gift set from VTech provides an engaging way to access games, e-books, videos and more. Disney/Pixar Monsters UniversityProduct FeaturesLearning topics include reading, math, science, social studies, music and moreSend secure messages with exclusive iPhone and Android smart phone app4 GB memory expands up to 32 GB with microSD memory card (not included)180 rotating camera with over 55 photo effectsWi-Fi connectivityVideo recorderE-readerMP3 playerProduct DetailsIncludes: InnoTab 3S learning tablet, 2 games, storage case, character charm, wrist strap, headphones & AC car adaptorAges 3 to 9 yearsRequires 4 AA batteries (not included)Click hereto purchase

Manufacturer's 1-year limited warranty

Promotional offers available online at Kohls.com may vary from those offered in Kohl's stores.


http://www.kohls.com/product/prd-1551950/disney-princess-innotab-3s-gift-set-by-vtech.jsp?crosssell=true

Disney Princess InnoTab 3S Gift Set by VTech

Regular $159.99
With a Disney Princess theme, this InnoTab 3S learning tablet, storage case, headphones and accessories gift set from VTech provides an enchanting way to access games, e-books, videos and more. DisneyProduct Features

Learning topics include reading, math, science, social studies, music and more
Send secure messages with exclusive iPhone and Android smart phone app
4 GB memory expands up to 32 GB with microSD memory card (not included)
180 rotating camera with over 55 photo effects
Wi-Fi connectivity
Video recorder
E-reader
MP3 player

Product Details

Includes: InnoTab 3S learning tablet, 2 games, storage case, character charm, wrist strap, headphones & AC car adaptor
Ages 3 to 9 years
Manufacturer's 1-year limited warranty

Promotional offers available online at Kohls.com may vary from those offered in Kohl's stores.http://www.kohls.com/product/prd-1551950/disney-princess-innotab-3s-gift-set-by-vtech.jsp?crosssell=true
Tablets & iPads Deals

Kohl's Coupons
g: 1 Posted By: rockymast
Views: 195 Replies: 0 For those interested

Note, it may be worth price matching to Amazon

Link(3-Disc Blu-Ray)

$9.99 + Free In-Store Pickup to free shipping on orders $25 or more

Includes

It's a Trap
Blue Harvest
Something, Something, Something, Darkside




Blu Ray Deals

Best Buy Coupons
Turbo Tax $10 Off when using Prime
Added on : Thursday January 02nd 2014 05:00:04 AM
g: 2 Posted By: Rookie555
Views: 182 Replies: 1 Guys,

First post on a deal on FW...be gentle...

I have some OCD when it comes to doing taxes. I have been looking for a decent deal on TT Home and Business for the past couple of weeks. So far, this is the cheapest I have found it from a legitimate seller. I realize that the price may go down in the future, but for those who have to have it right away (OCD) this is the best offer I could find. The Amazon 10% bonus is a plus. Paid $69.99 for Home and Business and used some Citi Thankyou Points for the rest. Offer shows on the bottom of the screen when reviewing item. Here is link: AMAZON TT H&B


Tax Software Deals

Amazon Coupons
8x11, Same Day 12 Month Photo Calendar @ www.walmart.com
Added on : Wednesday January 01st 2014 09:00:08 PM
g: 0 Posted By: jaymanthegreat
Views: 64 Replies: 0 8x11, Same Day 12 Month Photo Calendar


Onlne Price: $12.00~~Item Description:
The 8x11 Same Day 12 Month Photo Calendar is an innovative way to display your favorite photos. Personalize your very own photo calendar with your favorite family photos, wedding photos, pet photos, vacation shots, and more. Add a personal touch to this calendar by customizing those photos with your favorite captions, messages, and more. You can even personalize this 12-month photo calendar with your own texts, sayings, or images indicating special dates, holidays, birthdays and much more. Available for same day pickup.
8 x 11 Same Day Photo Calendar, 12 Months:Personalize with photos and captions
Photo calendar starts any month you choose
Customize months using text or images indicating special dates, holidays, birthdays and more
18-month photo calendars available (additional charge applies)
Photo calendar measures 8 x 11 inches folded and 17 x 11 inches flat
Printed on heavy, bright white paper with a silk finish
Available for pickup same dayhttp://www.walmart.com/ip/8x11-Same-Day-12-Month-Photo-Calendar/...
Services Deals

Walmart Coupons
Espn 84" Air Hockey Table $149.81 Sams club in club only
Added on : Wednesday January 01st 2014 07:00:06 PM
g: 1 Posted By: ckazan13
Views: 249 Replies: 0 ESPN.com 84" Air Hockey Table $149.81 Sams club In club only Reg $249.81. This is so worth it. I brought one and I love it. Great buy for those who have
a game room or an everyday fun time. I heard some clubs are even cheaper.

Linky
http://www.samsclub.com/sams/84in-air-hockey/prod10070347.ip?nav...
Toys & Hobby Deals

Sams Club Coupons
Marcy ME-708 Upright Exercise Bike @ Walmart - $94.00
Added on : Wednesday January 01st 2014 05:00:07 PM
g: 0 Posted By: Virgil27
Views: 286 Replies: 0 Marcy ME-708 Upright Exercise Bike @ Walmart - $94.00
compare at $104.00
Free Shipping!Burn off those holiday pounds with this Marcy Upright Exercise Bike for $10 off the next lowest price with free shipping. (FatWallet Deal Hunter staff posts are certified ad-free. No money, bribes, or candy have been accepted.)
Health & Beauty Deals

Walmart Coupons
g: 0 Posted By: DaysFan
Views: 130 Replies: 0 Carol's Daughter

http://www.hsn.com/products/carols-daughter-monoi-repair-and-strengthen-hair-set/10066372
linkedCarol's Daughter Monoi Repair and Strengthen Daily Hair Set
Set that ponytail free. Let those braids breathe. And for goodness sake, take off that hat. After you get your hands on this conditioning and strengthening set, you won't remember what it feels like to have a bad hair day. Enjoy this daily-use trio and flaunt that crowning glory!

What You Get
8.5 fl. oz. Monoi Repairing Conditioner 8.5 fl. oz. Monoi Repairing Shampoo 5 fl. oz. Monoi Anti-Breakage Spray 10% off coupon (included with initial shipment only) Retail value: $66.00HSN price: $59.95$38.53You save $21.42 today!FlexPayavailableFREE SHIPPING
Hair & Skincare Deals
joesnewbalanceoutlet.com/ daily deal $34.99 Orig: $109.99 New Balance 10
Added on : Wednesday January 01st 2014 10:00:11 AM
g: 0 Posted By: DaysFan
Views: 203 Replies: 0 http://www.joesnewbalanceoutlet.com/


$34.99Men's Running MR10YB2

Orig: $109.99
SAVE $75.00
(68% Off)

New Balance 10
Style: MR10YB2
Men's Running
Description
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.


Lightweight mesh upper
4mm drop: due to variances created during the development and manufacturing processes, all references to 4mm drop are approximate
Odor resistant
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.
Vibram outsole provides maximum surface contact and multi-directional traction
Innovative REVlite midsole provides premium responsiveness and durability at a 30% lighter weight than other foams with comparable performance
Barefoot friendly internal construction
No sew overlays in optimal areas
Anti-Microbial treatment
Color: Lime with Blue Atoll & Blue
Shoe Last: NL-1
Weight: 184 grams (6.5 oz)



Shoes Deals

Joe's New Balance Outlet Coupons
Sees.com Classic Gift Pack $54 w/Free shipping
Added on : Wednesday January 01st 2014 10:00:03 AM
g: 0 Posted By: DaysFan
Views: 77 Replies: 0 http://www.sees.com/Cat.cfm/Shipping_IncludedTime to remind those clients that they should be doing business with you in 2014!

Classic Gift Packhttp://www.sees.com/prod.cfm/Shipping_Included/classic_gift_pack
item #
299 Classic Gift Pack - 2 lb. 7 oz. $54.
Filled with over two pounds of See's Candies, this irresistible pack features our best-selling box of 1 lb Assorted Chocolates, 8 oz of rich, decadent Truffles, 8 oz of crispy, crunchy Molasses Chips and a 7-oz bag of our light-as-air Peppermint Twists. Delivered in a See's gift box adorned with black organza ribbon and hangtag ideal for gift giving. Standard Shipping Included. Gift box measures 12" x 6" x 7 ".


Grocery Deals

See's Candies Coupons
Just how unique was the run up in the market this year?
Added on : Wednesday January 01st 2014 09:00:10 AM
g: 0 Posted By: packers9626
Views: 193 Replies: 1 There was a 32.4% run up on stocks in the S&P 500 this year. I am relatively young and have only had money available to invest for the last few years. My basic strategy so far has been to buy large, well established companies with a good business who have stocks that are selling at a significant discount. Those kind of stocks are becoming very hard to find in this environment.

What kind of strategies would you recommend in the current market? I do not have a mortgage or any debt worth paying off to spend my excess money on until market conditions change.
Investing Deals
4-In-1 USB Phone Charging Cable $6 on Daily Steals
Added on : Wednesday January 01st 2014 05:00:07 AM
g: 0 Posted By: Wizard83
Views: 85 Replies: 0 Link

Looks like this might be good for those families that need to charge more than one type of phone at the same time (Iphone 4, Iphone 5, etc




This is a multi-function cable that can do your multitasking for you!If you're looking for an all in one sync and charge solution for your mobile devices look no further. With this 4-in-1 USB cable you can connect a wide variety of devices. The included Lightning connection affords you the ability to connect to Apple's iPhone 5, iPod Touch 5th, Nano 7th, iPad 4, iPad mini. The Micro-USB connector allows you to connect your Samsung Galaxy S III, HTC One and the vast majority to recent smartphones. Additionally, the included Apple 30-Pin adapter is great if you have an earlier model iPhone, iPod or iPad (4, 4S, iPod, iPad 1 & 2) and also doubles as a charge/sync cable for the Samsung Galaxy Tab, Galaxy Note and Galaxy Note 2.This convenient 4-in-1 cable is connects to your computer or USB wall for charging purposes. Its USB 2.0 connection also allows it to sync your favorite music, pictures, movies, and important files with blazing fast speeds. No matter your charging or syncing needs, this device delivers!----Condition: NewPackaging: Hassle-FreeWarranty: 1 YearProduct Features: Charges 3 devices simultaneously Connect your iPod, iPhone or other smartphone to your computer for charging and syncing Lightning 8-pin connector is compatible with Apple iPhone 5, iPod Touch 5th, Nano 7th, iPad 4, iPad mini Apple 30-Pin connector is compatible with Apple iPhone 3G, 3GS,4, 4S, iPod, iPad 1, 2 & 3 Micro USB connector is compatible with Samsung Galaxy SIII, HTC One and most smartphones Proprietary 30-Pin Samsung connector for Galaxy Tabs, Galaxy Note, Galaxy Note 2 and more 30-Pin connector features reversible design enabling Apple 30-Pin on one side and Samsung 30-Pin on the other side Fast USB 2.0 Connection Innovative 4-in-1 design for easy storage and portability Compatible with any USB wall charging adapter Works with all iOS firmwares includes iOS 7.x.x Measures approximately 1 ft. in lengthWhat You Get: 4-in-1 USB Cable (White)
Cell Phones Deals
Dillards.com and Dillards B&M additional 50% Sale - Jan 1st Only
Added on : Tuesday December 31st 2013 10:00:13 AM
g: 0 Posted By: JoyOfCoupons
Views: 276 Replies: 0 Take an additional 50% off sale items in store and online. This usually is about 75% off. Note:Not all items will be 50% off. Just those "red tag" or "reduced merchandise."

Starts online at 12:01am CST: http://www.dillards.com/content/New-Years-Day-Sale.If you order online, make sure your cart is already fixed up with the sale items you want. Then just check out quickly. Even then, some of your items may be cancelled.

In stores, some open as early as 8AM. My local Dillards opens at 10:00AM.Shoes and Purses are usually the best deals but the store will usually be packed. Some people scout out the shoes they want today, and then bring in a paper with the picture and shoe size to give to the sales person tomorrow. I've heard rumors of people having items held for them, but I've never tried this.
Clothing Deals

Dillard's Coupons
Wallflowers Fragrance Bulbs - $2.50 @ Bath & Body Works
Added on : Tuesday December 31st 2013 10:00:07 AM
g: 0 Posted By: heyyl0w
Views: 33 Replies: 0 Bath & Body works has Wallflowers Fragrance Bulbsfor $2.50. Usually $6.50 apiece. Use them in combination with a fragrance plug,sold separately. Most plugs are $5 or less.

For those that may not know, these are air fresheners you plug into the wall.

This is an item they just added as part of their Semi-Annual sale, covered here.

$5.99 flat rate shipping and you can use coupon code "F131360" to receive $10 off $30.
Home & Garden Deals

Bath and Body Works Coupons
Free New Years Resolution Card - 1st 1,000 per day
Added on : Tuesday December 31st 2013 08:00:10 AM
g: 2 Posted By: remick
Views: 318 Replies: 1 http://www.alphacard.com/resolution-id-cards

AlphaCard believes in the importance of setting & achieving goals, so we are excited to offer Free 2014 New Years Resolution Cards. For a limited time, you can get a FREE custom card or key tag with up to three of your New Years resolutions printed on the front. You can also upload a picture of your choice onto the backside of the card to help you stay motivated, and to remind you of the reasons behind your goals your family, your health, your dream house, or those jeans you hope to wear again.
There won't be any shipping fees or attempts to sell you anything. As part of our AlphaCard Cares initiative, this is truly a free program with no strings attached that reflects our commitment to giving back.
Totally Free Deals
g: 1 Posted By: yuenity
Views: 522 Replies: 2 Here you go, for those who are interested...

http://www.bestbuy.com/site/Misc/Deal-of-the-Day/pcmcat248000050016.c?id=pcmcat248000050016
Cell Phones Deals

Best Buy Coupons
Samsung Galaxy S4 FREE after 2-year agreement at Best Buy Deal of the Day
Added on : Tuesday December 31st 2013 04:00:04 AM
g: 0 Posted By: yuenity
Views: 200 Replies: 1 Here you go, for those who are interested...

http://www.bestbuy.com/site/Misc/Deal-of-the-Day/pcmcat248000050016.c?id=pcmcat248000050016
Cell Phones Deals

Best Buy Coupons
Free Kindle Book- A Complete Guide About Submarines
Added on : Tuesday December 31st 2013 03:00:12 AM
g: 0 Posted By: remick
Views: 41 Replies: 0 http://www.amazon.com/TORPEDO-WATER-Complete-Guide-Submarines-ebook/dp/B00FQWRZUK

Length: 616 pages

The ultimate book on modern military submarines!
Completed after more than two years, this is a book full of technical data and clearly written.

The first part of the book includes the following chapters:
- the concept of submarine;
- the designations;
- the hull;
- the compartments;
- conning tower, trees and antennas;
- propulsion and navigation;
- the propeller;
- the sonar;
- life on board;
- the armament;
- nuclear deterrent;
- countermeasures, mines, bombs and tactics of defence;
- the sunken submarine scenario;
- underwater communications;
- revolutionary projects;
- a look at the Navies of the world;
- interviews;
and much more!

The second part of the book includes highly detailed dossiers on all the submarine classes operating in the world, including those for incursions, scientific research and rescue! All accompanied by a lot of images, comments and data sheets.
Totally Free Deals
g: 0 Posted By: bittul
Views: 257 Replies: 0 Only 6 left in stock (more on the way).

Should still be able to order (from Amazon as seller) after those 6 are gone.

Other sellers are selling for twice as much (starting at $40)

www.amazon.com/gp/product/B00D7FRR9W

* Mobile Router with USB Media Hub. Access the internet and stream USB content to all connected devices
* Built-in USB 2.0 port allows connection of USB Drive for file sharing. Streams movies, music, digital files to Wi-Fi connected devices
* Built-in 2.1A USB output to charge iPads, tablets, smartphones, etc. Serves as a DHCP Router or Access Point
* Perfect for travelers to convert a hotel Ethernet connection to Wi-Fi. IEEE 802.11b/g/n compliant with up to 150Mbps speed
* Supports WEP, WPA and WPA2 64/128 bit security. Free apps for iOS and Android operating systems
* Built-in USB 2.0 port allows connection of USB Flash drive or external hard drive for file sharing. Compatible with Windows and Mac formatted storage devices
* IEEE 802.11b/g/n compliant with up to 150Mbps speed. Supports WEP, WPA and WPA2 64/128 bit security. Free apps for iOS and Android operating systems. Removable power plug for easy storage.
Networking Deals

Amazon Coupons
g: 0 Posted By: remick
Views: 162 Replies: 0 Closer: Devotions to Draw Couples Together (was $13.99)
http://www.amazon.com/Closer-Devotions-Draw-Couples-Together-ebook/dp/B00B853OA4

4.8 out of 5 stars (8 customer reviews)

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




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

4.7 out of 5 stars (146 customer reviews)

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



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

4.7 out of 5 stars (82 customer reviews)

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



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

4.8 out of 5 stars (27 customer reviews)

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



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

4.4 out of 5 stars (22 customer reviews)

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



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

4.3 out of 5 stars (7 customer reviews)

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



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

4.7 out of 5 stars (74 customer reviews)

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




Books Deals

Amazon Coupons
g: 0 Posted By: Virgil27
Views: 452 Replies: 0 Exerpeutic 260 Manual Treadmill with Safety Handle and Pulse @ Walmart - $114.00
compare at $152.99
Free Shipping!Work off those holiday pounds with this Experpeutic 260 Manual Treadmill for $38 off the next lowest price plus free shipping. (FatWallet Deal Hunter staff posts are certified ad-free. No money, bribes, or candy have been accepted.)
Health & Beauty Deals

Walmart Coupons
Woodman's Coupons Doubling
Added on : Monday December 30th 2013 11:00:05 AM
g: 0 Posted By: slervik
Views: 133 Replies: 1 So, I was strolling through Woodman's the other day, and I found out from a cashier that customers are able to double their coupons with those that Woodman's hangs up with their logos on them, with manufacturers coupons that come in papers, internet, etc. You can definitely get some pretty good deals from doing this. Just thought I'd fill everyone in.

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

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

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

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

Ready to get started learning the winner's ways of success? Today's the Day!
Books Deals

Amazon Coupons
g: 0 Posted By: remick
Views: 207 Replies: 0 http://www.amazon.com/Running-Scared-Fear-Worry-Rest-ebook/dp/B00F5KX746

4.8 out of 5 stars (6 customer reviews)

Edward T. Welch reveals God's plan for encouraging those in the grips of fear. One of the haunting dilemmas of the human condition is that fear is "an inescapable feature of earthly life." Every person who has lived on this earth has encountered fear. Tragically, for this reason our race for the good life finds us all too often "running scared."

In his new release, Running Scared, Edward T. Welch investigates the roots of fear in the human soul and the ramifications of living in the grips of anxiety, worry, and dread. Welch encourages readers to discover for themselves that the Bible is full of beautiful words of comfort for fearful people (and that every single person is afraid of something). Within the framework of thirty topical meditations, Welch offers sound biblical theology and moment-by-moment, thoughtful encouragement for life-saving rescue in the midst of the heart and mind battlefield of rampant panic-stricken responses.

This comprehensive primer on the topic of fear, worry, and the rest of God will have readers retreating to scripture for invariable constancy, stalwart care, and robust comfort, instead of as Welch terms it, "hitting the default switch" by responding with characteristic human independence, control, and self-protectiveness. Running Scared affirms that, through Scripture, God speaks directly to our fears:
On money and possessions
On people and their judgments
On death, pain, and punishment
Welch's lively text provides convincing evidences that humanity's struggle against active and dormant fears are countless. The good news is that God provides both the remedy and the cure for this malady in the person of Jesus Christ, the work of the Holy Spirit, and through powerful, life-altering promises in Scripture. Far more than merely another psychology "self-help" guide, Running Scared serves as a biblical roadmap to a life of serenity and security.
Books Deals

Amazon Coupons
Pay off mortgage $375k left
Added on : Sunday December 29th 2013 10:00:06 AM
g: 0 Posted By: vistaluck
Views: 168 Replies: 2 Hi there
Im hoping to get some real and confirmed info on how to do this legally? I got $375k left mortgage left with Bank of America. I got rich relatives who can help me pay if off or at least pay like 150k next year and another 150k 2015 and the rest in 2016. How can they do this for me? My first thought would be this - have them write a check directly to Bank of America with my mortgage account # and the home address on the check. Say here you go Bank of America 150k. I think this is probably the best because it doesn't even go through me. However, I just don't know if there is any limit on how much can a relative pay for your mortgage each year. They don't mind paying 200k. And how will I file tax for that? Or I don't even need to file any tax for it? And will this affect my relative. Do they need to file tax for it?

I'm sure a lot of people know this method. Each person can donate $14000 to me each year and those are tax free gift. But thats the max they can donate each year. So I guess I can have like 10 relative and friends donate $14000 to me and Ill pay Bank of America immediately after I got it. Or I can just have them write a check to Bank of America directly just like the above method. This method is for sure works and its tax free for both of the gifter and me.
General Economics Deals
Career Thoughts and Compensation - 2013 Edition
Added on : Sunday December 29th 2013 07:00:08 AM
g: 0 Posted By: zhelder
Views: 250 Replies: 1 Greetings and Happy New Year! It's time to start the 2013 Career Thoughts and Compensation Thread! I started doing these threads annually on the FatWallet Finance board in 2006. When I originally started this thread, I thought that it could serve as a great resource for people to learn about the ups and downs of various careers, including information such as salaries and benefits. Over the years, a wide variety of people in all sorts of careers have contributed to these threads, and it's my hope that these threads have proven to be a valuable resource for those who are contemplating their career options.

DA RULES:

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

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

Gender: Male

Age: 41

Location: Northern NJ

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

Education: M.A., plus 33 additional credits

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

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

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

What's the job like?

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

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

Would you recommend the career to others?

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

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

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

If you still want to go into education, be prepared for a very tough road ahead.
Discussion Deals
g: 3 Posted By: MISTERCHEAP
Views: 962 Replies: 18 Save your My Coke Rewards 12-pk coupons @ CVS starting 1/5/14


For those who were able to get 12 packs for 30 points from mycokerewards.com a few weeks ago, use them at CVS week of 1/5/14- 1/11/14.

WITH CVS EXTRA CARE CARD

$10 ECB when you spend $30
Coke 12 oz cans 12 pk. 3/$10

NOTE: This promo DOES track, you do not need to buy all 9 in one order since the sale price limit is likely 3 or 6 12 packs.

Depending on how many 12 pack coupons you got during the 30 point promotion, and how many MCR accounts you have, you could end up getting 9 cases of 12 packs and $10 ECB FREE, just pay tax.
Grocery Deals

CVS Coupons
Retirement considerations for Canadian / US Dual Citizens
Added on : Sunday December 29th 2013 04:00:05 AM
g: 0 Posted By: Rewdog
Views: 17 Replies: 0 I have a friend in her late 20's who has no retirement savings, and I want to help her put together a plan for retirement. She has lived in Canada the past 8 years, and will be gaining her Canadian citizenship in a couple months; I can speak about US retirement vehicles all day, but I hardly knew where to start in her situation. Her question was simply what % of her paycheck should she be saving for retirement, but of course it is a bit more complicated than that.

Key Facts:

She thinks she will retire in Canada, but is not sure; so perhaps there should be some diversification between US / Canada retirement vehicles.
She has probably 10 quarters of work towards US social security.
Her company does not offer any 401(k)ish type plan or any retirement contribution / matching.
No debt.

Questions:

Is there a somewhat standard plan of action that mirrors Meet Company Match / Max Roth / Max 401(k) in Canada?
What are tax considerations of the different types of Canadian retirement vehicles if she was to retire or move back to the US?
Can she take advantage of US retirement vehicles like Roth / Traditional IRA with no US income and avoid double taxation by both countries?
Any recommendations of Vanguard-ish type brokerages in Canada that may have some good calculators and low cost options for Target retirement funds?
Any other questions to ask or consider for those who have been in a similar situation?


Thanks!
General Economics Deals
g: 0 Posted By: MISTERCHEAP
Views: 123 Replies: 0 Save your My Coke Rewards 12-pk coupons @ CVS starting 1/5/14


For those who were able to get 12 packs for 30 points from mycokerewards.com a few weeks ago, use them at CVS week of 1/5/14- 1/11/14.

WITH CVS EXTRA CARE CARD

$10 ECB when you spend $30
Coke 12 oz cans 12 pk. 3/$10

NOTE: This promo DOES track, you do not need to buy all 9 in one order since the sale price limit is likely 3 or 6 12 packs.

Depending on how many 12 pack coupons you got during the 30 point promotion, and how many MCR accounts you have, you could end up getting 9 cases of 12 packs and $10 ECB FREE, just pay tax.
Grocery Deals

CVS Coupons
Teenage Mutant Ninja Turtles movies 1-3 Blu-Ray $9.99 at Amazon
Added on : Saturday December 28th 2013 09:00:05 PM
g: 0 Posted By: Chadeus
Views: 134 Replies: 0 Amazon.com has a deal onthe Teenage Mutant Ninja Turtlesmovies 1-3 triple feature blu-rayfor $9.99 for those who crave those nostalgic movies.
Blu Ray Deals

Amazon Coupons
Rite Aid 1/5 - 1/11
Added on : Saturday December 28th 2013 09:00:05 AM
g: 0 Posted By: MrVietnam
Views: 80 Replies: 0 Week 2 of the +UP Rewards Games (They run from 12/29-1/25/14).

Looks like the same Nicorette/Nicoderm deal from the week of 12/29:

Buy 5 Nicorette/Nicoderm that's part of the up rewards games at $39.99 $199.95
Buy something that's .99 that's part of the up rewards games
=$200.94
-5 $15/1 manu q from the 12/29 Parade magazine
-5 $5/1 Dec. VV or Jan. VV
-$50 in ups
=$50.94 for 5 Nicorettes/Nicoderms and the $.99 item

Also looks like the Rogaine will be a part of the up reward games and is a DD with the $10 wyb $30 up. Hopefully there's a MIR for it as well as the likely $10 manu q.

Wow, Free Vitamins to roll up those ups from the reward games, unless there's a manu q that makes them a MM.
Discussion Deals
ESET Smart Security 6 - 3 PCs = $11.99@Newegg +FS
Added on : Saturday December 28th 2013 05:00:02 AM
g: 0 Posted By: sylwiawasowicz
Views: 200 Replies: 0 ESET Smart Security 6 - 3 PCs $11.99 @Newegg
Your Price: $11.99
With Promo Code
EMCYTZT5326

newegg.com

for those who don't deal well w/rebates
Software Deals

Newegg Coupons
g: 0 Posted By: doctorofcredit
Views: 100 Replies: 1 The offer page. The fine print:In order to receive your $200 statement credit, you must make at least $500 in purchases within 90 days of account opening. The credit will appear on your monthly Sony Card statement within 8-12 weeks of your qualifying purchases. To be eligible for the statement credit, the account must be open and in good standing at the time the credit will be applied to the account. This statement credit will not count as a payment to your account. Please continue to make your minimum payments.Limited time offer is for new Sony Card accounts only and is not available on existing accounts. Credit approval required. Terms and conditions apply. System or application processing requirements may result in a Sony Card account not being available for the current transaction. The Sony Card is issued by Capital One, N.A., pursuant to a license from Visa U.S.A., Inc.

If you don't usually spend anything on credit cards, combine this with the Amazon payments manufactured spend method to reach the $500 minimum. A pretty easy free $200. Capital one will approval almost anybody for this card (even those with sub 600 FICO scores). Just make sure you don't have any bankruptcies on file.
Deal Deals
g: 0 Posted By: flyhighutah
Views: 130 Replies: 0 WalMart
LINK
Car stereo installation guide LINK
For those who missed the deal few days ago @ $15
Electronics Deals

Walmart Coupons
LG 55LN5700 55" LED TV $599 Microcenter BM only until 12/29
Added on : Friday December 27th 2013 03:00:05 AM
g: 1 Posted By: landenpc
Views: 291 Replies: 1 LG 55LN5700 55" Class 1080p 120Hz Smart TV is only $599 at Microcenter in-store only through 12/29. There were 4 in stock in Cincinnati when I picked one up last night, now showing only 2. Sale tag in store showed $999, and two employees seemed a little shocked at the price when one of them confirmed it on computer, so they might disappear quick. Smart TV also has Wi-fi and supports Miracast, so I can't wait to get this thing hooked up and test out using it as 2nd display for my wife's new tablet. (Ha, $99 Memopad thanks to Microcenter) I wasn't really looking to go this big, but I wanted at least 3 HDMI and true 120Hz, and this is about same price or cheaper than most other name brands down to 46" with those 2 features.

LG SMART TV
LED BACKLIGHTING
TRUMOTION 120HZ
FULL HD 1080P RESOLUTION
ENERGY STAR MOST EFFICIENT 2013 TELEVISION

LED TV Deals
g: 0 Posted By: remick
Views: 191 Replies: 0 http://www.amazon.com/Interviews-Masters-Companion-Greenes-Mastery-ebook/dp/B00GMOPJKE

A companion to the #1 New York Times Bestseller Mastery

More than 20,000 hours of research and thought went into Robert Greene's stunning book, Mastery. In a departure from his previous works, Robert Greene interviewed nine contemporary masters, including tech guru Paul Graham, animal rights advocate Temple Grandin, and boxing trainer Freddie Roach, to get their perspective on their paths to greatness. Those interviews are now available to readers for the first time. Interviews with the Masters presents more than 700 pages of revealing insight directly from these contemporary Masters; from how they learn and think, to how they put it all together and create.
Books Deals

Amazon Coupons
Office Depot rebate software for the week of 12/29/2013 (1 $10AR, 1 $15AR)
Added on : Thursday December 26th 2013 06:00:03 PM
g: 0 Posted By: bpvh
Views: 33 Replies: 0 Office Depot rebate software for the week of 12/29/2013 (1 $10AR, 1 $15AR)


AVG Internet Security
$9.99 After $30 Mfr. Mail-In & $40 Mfr. Current User Upgrade Mail-In Savings Visa Prepaid Cards
In Store Price $79.99
Item #211-043


McAfee Internet Security for 3 PCs
$14.99 After $4 Instant & $51 Mfr. Mail-In Savings Visa Prepaid Card
In Store Price $65.99
Item #101-324


====================

****ALERT ON McAfee REBATES****

McAfee haphazardly enforces a one per product limit on its rebates. It does not matter if the rebate has a different rebate number or offer period. The rebate invalidation message is "Your rebate request did not pass our audit process".

UPDATE:
--- While it appeared from several posts over the past year on FW and SD that McAfee was no longer enforcing the one rebate per product limit, it now appears that the "Your rebate request did not pass our audit process" invalidation has returned.
--- There is one poster on FW who had not submitted a McAfee rebate since falling victim to the Summer 2010 debacle until June 2012. The rebate submission was invalidated. After failing to get the rebate processor to valid the rebate, the poster was able to convince a McAfee representative to make good on the rebate. Not sure what to make of this but it is possible that at least some of those black listed during the Summer 2010 debacle are black listed for life.

====================

NOTES:

--- Link to Office Depot's rebate website: LINK
--- "FAR": free after rebate
--- "completely new rebates": the goal of my Office Depot rebate threads is that the rebates of any title listed in the "completely new rebates" category can be submitted without concern for past rebate submissions.
--- "standard rebate": all rebate proofs can be satisfied with the purchase of the title.
--- "upgrade rebate": at least one rebate proof requires providing a certain proof of owning a previous version of the product or a competitors' product.
--- "CONTINUING rebate": the rebate was not offered for the first time during this offer period. Please check your rebate submission history to determine whether you have submitted this rebate in the past.
--- "onbox" or "inbox" rebate: the rebate form or the information for submitting the rebate are found on or in the product box. If known, a link to a pdf version of the rebate or the pre-submission information for the rebate are provided.
--- "Instant Savings": When a rebate item includes an instant savings, it is possible that the price of the item will not be correctly reflected on the website until some time later.

====================
Software Deals

Office Depot Coupons
Cyberlink PowerDVD 13 Ultra $39.95 at Newegg.com with Promo Code EMCWVVP98
Added on : Thursday December 26th 2013 07:00:09 AM
g: 0 Posted By: bawaji
Views: 144 Replies: 0 Cyberlink PowerDVD 13 Ultrasoftware is available for $99.95 - $60.00 (Promo Code EMCWVVP98) = $39.95 for those subscribing to their newsletter. This was in their After Christmas Sale mail.

Super Eggsaver (4-7 Business Days) shipping is free.
Software Deals

Newegg Coupons
Pacsafe Venturesafe 150 CrossBody Pack $27.73 @ REI-Outlet
Added on : Wednesday December 25th 2013 01:00:02 PM
g: 0 Posted By: yvrsfo
Views: 207 Replies: 0 REI-Outlet Holiday Markdown on now

Pacsafe Venturesafe 150 Cross Body Pack down to $27.73 from $69.99

These were 2012 Closeouts - only difference from the new ones are that they don't have RFID which is not a big deal - can always get those RFID pouches cheaper for individual cards if really need them

Got some before for presents when they had the sale earlier this year and so far recipients like them


Sports & Outdoors Deals

REI Coupons
g: 0 Posted By: wahoo900
Views: 187 Replies: 0 IN STORES & ONLINE: 30% OFF FULL-PRICE STYLES ONLINE ONLY: EXTRA 40% OFF SALE ITEMS WITH CODE

Details: 30% discount valid on the purchase of full-price items in J.Crew stores and at jcrew.com. 40% discount valid on the purchase of sale items at jcrew.com. Offers valid from 12/19/13, 12:01am ET through 12/25/13, 11:59pm ET only. Offers not valid in the 769 Madison Avenue store, Ludlow Shops, Liquor Store, J.Crew Factory stores, at JCrewFactory.com or on phone orders. Offers cannot be applied to previous purchases or the purchase of gift cards and cannot be redeemed for cash or used in combination with any other offers. Offers not valid on babies' merchandise, wedding gowns or on select Collection items, men's Ludlow suiting, men's footwear, leather apparel, Wallace & Barnes apparel or third-party branded merchandise. In-store discount automatically taken at the register. To redeem online, enter code GIFTNOW in the promo code box at checkout. Limit one code per order. Valid in the U.S. and Canada only. Terms of offers subject to change.

Combine this with the AmEx sync offer ... For those indecisive / impulse shoppers (like me who will likely return something), buy a $100 eGC first, then use the eGC towards merchandise.

Clothing Deals

J.Crew Coupons
g: 0 Posted By: DOChicago
Views: 278 Replies: 3 For those of you on FW with everything else , Costco has the7.72 ct Radiant Cut VS1 Clarity, Fancy Yellow Diamond Platinum Ring On Sale for the mere price of $139,999.99!

Costco Link

IGI Value:$211,825
GIA #:5101592279
Metal:950 Platinum & 18kt Yellow Gold
Center Diamond Shape:Radiant Cut
Center Diamond Weight:7.72 ct
Total Diamond Weight:8.90 ctw
Center Diamond Clarity:Very Slightly Included ( VS1 )
Center Diamond Color:Fancy Yellow ( FY )
Side Diamond Shape:Round Brilliant Cut
Ring Size:7 - Sizeable within 1 size (Costco does not provide this service)



Costco makes purchasing the highest quality diamonds easy by offering only the industry's highest quality diamonds at the lowest possible price. Our long-standing relationship with our suppliers guarantees we get the best selection at the best value. Costco's experienced buying team works with our suppliers evaluating and hand-selecting each diamond for its quality and brilliance. Our team of Graduate Gemologists then inspects every diamond to ensure it meets the strictest quality standards in the industry in cut, color, clarity, and craftsmanship. You can be confident your purchase is as special to us as it is to you.

This item comes with a Summation Of Appraisal certificate from the International Gemological Institute (IGI). This is to certify that the item described above is genuine, and has been independently examined in the laboratories of IGI.

Also included with this diamond is a GIA (Gemological Institute of America), Gem Trade Laboratory, Diamond Grading Report. Gem Trade Laboratory is a division of GIA Enterprises, Inc., a wholly owned subsidiary of the nonprofit Gemological Institute of America, Inc. This describes the characteristics of the diamond at the time of the examination based upon 10x magnification.

When returning unique jewelry items, or items containing a 1.00 ct center diamond or larger, Costco warehouses may require additional time to verify the diamond, in which case a refund will be approved upon positive verification and as long as the item is not damaged or changed in any way (i.e. resized or reset). This process may require two to five business days.

Model: LVS831
Jewelry Deals
250-Thread Count Luxury Cotton Mattress Pad @ www.walmart.com
Added on : Wednesday December 25th 2013 02:00:03 AM
g: 0 Posted By: jaymanthegreat
Views: 177 Replies: 1 250-Thread Count Luxury Cotton Mattress PadOnline Price: $14.88- $22.88
Item Description:
Add style and comfort to your bed by adding the 250 Thread Count Luxury Mattress Pad. This quilted mattress pad is made from 100% cotton for not only providing maximum comfort, but also for ensuring a long life. Filled with hypo-allergenic polyester, this cotton quilted mattress pad is an excellent choice for those who have a sensitive skin. This all season mattress fits almost all mattresses, including the pillow-top mattresses.

250 Thread Count Luxury Mattress Pad:100% cotton quilted mattress pad
Generously filled with hypo-allergenic polyester for all-season comfort
Guaranteed to fit all mattresses including pillow-top mattresses
Care: machine wash, tumble dryhttp://www.walmart.com/ip/250-Thread-Count-Luxury-Cotton-Mattress-Pad/7...
Bedding Deals

Walmart Coupons
Sears 50% off Recliners, Sofa and more
Added on : Tuesday December 24th 2013 09:00:06 AM
g: 0 Posted By: lonelyaccountant
Views: 273 Replies: 0 this is a great holiday deal for those Christmas shoppers who wish to buy furniture for the
Christmas holiday. half off at Sears stores. expires 12/29/13
Furniture Deals

Sears Coupons
rental car harged different rate from my confirmation
Added on : Tuesday December 24th 2013 07:00:05 AM
g: 0 Posted By: kenpomace
Views: 73 Replies: 4 I reserved a car in SLC and my total for 5 days on my confirmation is 208.00. I returned the car within my rental timeframe and budget printed out my receipt for the total of 332.00.
I declined everything extra and all taxes were included in my confirmation

I didnt have time to figure it out with the lot attendant since I had to catch my plane.

For those who done this before, what is the best way to deal with this? Dispute with credit card?
Personal Finance Deals
Panasonic 3d Smart Blu-Ray Player DMP-BDT225 $53.85 Amazon
Added on : Tuesday December 24th 2013 07:00:02 AM
g: 0 Posted By: clb4g9
Views: 235 Replies: 0 Amazon Link

Apparently it's a derivative of the BDT230; I would expect it to be about the same in terms of quality. Not the greatest player out there, and no dual HDMIs out there for those of us that need them, but tough to beat for the price. Has HDMI as well as optical out.
Blu Ray Deals

Amazon Coupons
Financial (Debt) Advice for a New Home Owner
Added on : Tuesday December 24th 2013 05:00:08 AM
g: 0 Posted By: dbess2013
Views: 60 Replies: 0 Hi all,

I am a long-time lurker, first-time poster; love your advice on this part of the forum and after lurking for quite awhile, I figured I would post and see what ideas I can get about my financial situation which has been a little hairy since my house purchase. The basic story here is that I purchased a foreclosure home that was "too good of a deal" to pass up. Indeed, it still is a great deal but I was burned by the bank in regards to obtaining "fixer-upper" funds. I was told by my originator that upon purchase, I would be able to borrow under a second mortgage right out of the gate which turned out to be entirely untrue due to the grant I received which will be forgiven in two years. Lesson learned.

The home upon purchase was listed for $50k at auction, I placed a bid at $45k with theseller paying closing costs (truly paying, not rolling into the loan).I was then able to obtain a 10k state grant for downpayment assistance since it was a vacant home which leaves me with a total mortgage of about 34k. The first valuation came in at 78k prior to my repairs. Judging by the area and what I've been told by a couple realtor friends, they believe it would fetch about 120-125k in today's market.

The good side is that its a great place with a huge yard in a city which doesn't usually have both of those attributes. It's an up and coming area so the value will likely rise pending on the market. The bad side is that since I was unable to get a second mortgage for repairs, I now am saddled with some debt that came from necessary repairs to make it liveable.

Current Debt:
Credit Card: 5k @ 15.9%.
Lowes Credit Card: 6k @ 5.99%
401K Loan: 6K @ 2% or so(to myself)

I've always been an anti-debt kind of person and I would really like to jump out of this hole ASAP. It was a seize the moment type purchase which may or may not have been a good idea given my hate of debt. My current plan is to try for a balance transfer card with 0% for 18 months and then add a second mortgage after the grant is forgiven in 07/2015 or the Penfed Promise for the 3.9% for life balance transfer and forget the mortgage. I'm unsure if I'll be approved for the Penfed as my credit score after all this house buying and whatnot is at about 730 (previously 770).

Of course, the ideal situation would have been to have cash to do these repairs and I am half-way kicking myself for doing it. On the flipside, I'm paying far less even with the high interest debt than I was renting.

Anyone have any other ideas for paying less interest with what I have going on?
Personal Finance Deals
g: 0 Posted By: vnuts21
Views: 87 Replies: 0 Pardon the lengthy post, but I wanted to get some general advice on how best to prepare for buying our first home in the next few years. Ages: 26 (Me), 27 (Her).

We will be married in September, 2014.

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

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

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

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

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

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

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

Job prospects:
Overall good - we are both ambitious engineers

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

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

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



Discussion Deals
g: 0 Posted By: remick
Views: 90 Replies: 0 http://www.amazon.com/Life-Giver-Come-Might-Abundance-ebook/dp/B008KPM2PI

4.6 out of 5 stars (18 customer reviews)

Life is waiting!

Tap into the Life Giver Himself and begin to give life more abundantly. Then share it! The whole world is your family in need.

Based on the authors profound, personal vision when he was caught up into Heaven, he shares the intimate details that the Lord gave him about heavenly abundance and how to live in Kingdom wealth, and share it with others. This vision changed his perspective on lifeand it will do the same for you.

The reality of how the thief prowls around like a lion, stealing hope, killing dreams, and destroying Gods family is savagely clear. As is the comforting fact that as Gods child you have authority to have life and give life to those the Father is redeeming. Jesus passed the torch to todays believers. Wherever you are, whoever you areopportunities abound to be fruitful, multiply, and give hope to Gods lost, broken, and hurting children.

The Life Giver helps you to:
See life with new vision, expectation, and purpose.
See daily interactions and opportunities to Give life to others.
See others through the family of God with redeeming love.
Connect and overflow with the Life Giver Himself.
Tap into the creative and revelatory power of God.
The same creative life-giving power that has been breathed into you by The Life Giver, must be breathed out through you to a world gasping for fresh, heavenly air.
Books Deals

Amazon Coupons
g: 1 Posted By: heyyl0w
Views: 250 Replies: 4 Amazon.com has "Thinking, Fast, and Slow" (Kindle Edition) by Daniel Kahneman for $2.99.

"In the international bestseller, Thinking,Fast and Slow, Daniel Kahneman, the renowned psychologist and winner of the Nobel Prize inEconomics, takes us on a groundbreaking tour of the mind and explains the two systems that drive the way we think. System 1 is fast, intuitive, and emotional; System 2 is slower, more deliberative, and more logical. The impact of overconfidence on corporate strategies, the difficulties of predicting what will make us happy in the future, the profound effect of cognitive biases on everything from playing the stock market to planning our next vacationeach of these can be understood only by knowing how the two systems shape our judgments and decisions.Engaging the reader in a lively conversation about how we think, Kahneman reveals where we can and cannot trust our intuitions and how we can tap into the benefits of slow thinking. He offers practical and enlightening insights into how choices are made in both our business and our personal livesand how we can use different techniques to guard against the mental glitches that often get us into trouble. Winner of the National Academy of Sciences Best BookAward and the Los Angeles Times Book Prize and selected by The New York Times Book Review as one of the ten best books of 2011, Thinking, Fast and Slow is destined to be a classic."

Note: For those who may be unaware, you don't need a Kindle to read Kindle books. The Kindle app is free and able to be downloaded on most smartphones/tablets.
Books Deals

Amazon Coupons
Sharper Image 25% off all instant egift cards
Added on : Monday December 23rd 2013 01:00:04 PM
g: 0 Posted By: LocalMotion
Views: 214 Replies: 0 If you have not used your $25 off $125 Amex offer and you desire...

1- $100
1- $50
2- $10

$170-$42.50 (25%)=$127.50 -$25 (Amex)=$102.50

Good for those that got the 20% off at Living Social and got the $25 for $50 Sharper Image egift card like me that MisterCheap posted.

Card never expires.

Clothing Deals

Sharper Image Coupons
g: 0 Posted By: yadavprincess
Views: 188 Replies: 0 For those who need a small server, this is a great deal.

HP ProLiant G7 N54L MicroServer Server System AMD Turion II Model Neo N54L 2GB 250GB LFF Operating System None 704941-001
http://www.neweggflash.com/Product/59-107-921
-AMD Turion II Model Neo N54L
-250GB LFF
-150W non-hot plug, non redundant power supply kit Multi-output

OVERVIEW

The HP ProLiant MicroServer is a general purpose server that provides a platform to organize and safeguard your business information, allow effective communication with customers, and make the most of your existing office equipment and resources. The HP MicroServer is a cost effective starter server for businesses with fewer than 10 clients and it takes your business to the next level of productivity and efficiency.
SPECS
Main

Brand HP
Series ProLiant G7 N54L
Model 704941-001
Type MicroServer
Processor
CPU Type AMD Turion II Model Neo N54L
Mainboard
Chipset AMD RS785E/SB820M
Memory
Installed Memory Size 2GB
Memory Type DDR3
MAX Memory Capacity 8GB
Memory Features 2 DIMM slots Unbuffered ECC
Storage
Hard Drive (Installed) 250GB LFF
Storage Controller (1) Integrated 4 port SATA RAID
HDD Interface SATA
Networking
Ethernet Controller (1) 1Gb NC107i Ethernet Adapter 1 Port per controller
Expansion
Expansion Slots Slot 1: PCI-Express Gen 2 x16 connector with x16 link Slot 2: PCI-Express Gen 2 x1 connector with x1 Link Slot 2-2: PCI-Express x4 slot for optional management card
Other ports 7 x USB 2.0 (4 Front 2 Rear,1 Internal-for tape)
Software
Operating System None
Power
Power Characteristics (1) 150W non-hot plug, non redundant power supply kit Multi-output


http://www.neweggflash.com/Product/59-107-921
Networking Deals

Newegg Coupons
PSA: Dont forget to do health insurance incentives for 2013
Added on : Monday December 23rd 2013 05:00:11 AM
g: 0 Posted By: KayK
Views: 51 Replies: 0 My health insurance provider (Aetna) gives $100 for an online health assessment (~10 minutes) and $100 for logging in 1200 minutes of exercise on it's website (another ~10 minutes)
That's $200 easy money for me.. and $200 for my wife.. so $400 in about 45 minutes.
They send two separate $200 VISA giftcards about 3 months after completing the two things.. for those wondering.

Just completed mine today. Dont forget to check with your employer/health insurance provider if you're eligible for any incentives.
General Economics Deals
g: 0 Posted By: minghi
Views: 119 Replies: 0 So, I was looking for a business checking offer since I recently started a business (just got my first check in the mail over the weekend woohoo) and this is the best new account bonus offer I could find. Does anyone have any idea on how this bank is or are they any similar/better offers. Since its a CU, I feel there shouldn't be any issues.http://www.aacreditunion.org/business-promo-checking.aspx


Apply today to receive up to $200!American Airlines Credit Union is here to lift you up with $200. Open a Primary Business Checking Account today and receive an opening deposit of $100 at account opening, and then receive another deposit of $100 after you make at least 10 (ten) transactions with your Business Visa CheckCard within the first 45 days of account opening*. Click on the Apply Online link below to get started!Your Primary Business Checking Account also gives you:

LOW Fees

No Monthly Services Fee1
No Hidden Fees!

High-Quality Personalized Service We're not here for profit, we're here for you.
Paid Dividends Earn dollars with your business checking account (APY is tiered based on average daily balance)2
FREE Account Features

First 100 deposited checks free and first 100 paid checks free3
Free Business Visa CheckCards up to four cards per account4
FREE Mobile Banking
Free Online Banking & Bill Pay


Take advantage of this limited time offer and APPLY TODAY!

Click:Apply Online
Call: (800) 533-0035, Ext. 4123

* Open a new American Airlines Credit Union Primary Business Checking Account between 9/15/13 and 12/31/13 to receive the initial $100 bonus posted to your new business checking account at account opening. A new business account includes savings and checking with a required minimum balance of $25 in each. To receive the second $100 bonus in your business checking account, you must qualify for a Business Visa CheckCard and then complete 10 (ten) CheckCard transactions with your new Business Visa CheckCard within 45 days of account opening. After those two requirements are met, the second $100 will be posted to your business checking account by 2/28/14. Your checking account must remain open for six (6) months or the up to $200 bonus you were given will be withdrawn from your account at closing. Member must be in good standing for account to be eligible. Business checking and the Business Visa CheckCard are subject to credit approval. This offer is non-transferable and cannot be combined with any other offer. Any awards of monies received in association with this promotion may be subject to IRS reporting requirements. Recipients are responsible for income tax liability if any.1Member-initiated fees may apply.2APY is Annual Percentage Yield. Member must be in good standing for account to be eligible. Dividend period is calendar month. APY and dividend rates are accurate as of the last dividend declaration date and are subject to change monthly as determined by the American Airlines Credit Union Board of Directors. Dividends will be paid on the average daily balance to all business checking accounts maintaining a minimum of $25.00 during the calendar month. Fees may reduce earnings on account. Ask the Credit Union for details.3After the first free 100 deposited checks and first free 100 paid checks, the following fee schedule will automatically be instated. Deposited items: 0 100 are free, 101 250 are $0.15/ea, and over 250 are $0.35/ea. Items Paid: 0 100 are free, 101 250 are $0.15/ea, and over 250 are $0.35/ea.4Must be a business owner to be approved for a Business Visa CheckCard, and a maximum of four business owners can be issued a Business Visa CheckCard per account.
Deposits Deals
g: -2 Posted By: dawnbryan
Views: 187 Replies: 0 Check your emails for this promotion from Amazon. Hoping that many of you received this offer! The offer text reads:
Give $50 in Amazon Gift Cards, Get a $10 Promotional Credit for YourselfEnjoy this email-exclusive offer: Surprise someone over the holidays with an Amazon.com Gift Card, and get a $10 promotional code to spend on yourself in January. Just purchase at least $50 in Amazon.com Gift Cards by December 31, 2013, and we'll email you a $10 promotional code to spend at Amazon.com by January 15, 2014. A perfect present for any occasion, Amazon.com Gift Cards can be sent via email, posted on Facebook, printed at home, or sent through the mail (with Free One-Day Shipping). Amazon.com Gift Cards are redeemable storewide for millions of items and never expire. Learn http://www.amazon.com/gp/feature.html/ref=amb_link_396667802_1?ie=UTF8&docId=1001916321&pf_rd_m=ATVPDKIKX0DER&pf_rd_s=center-2&pf_rd_t=1401&pf_rd_p=1683165482&pf_rd_i=1001916321#HowToUse.Terms and conditions apply; http://www.amazon.com/gp/feature.html/ref=amb_link_396667802_2?ie=UTF8&docId=1001916321&pf_rd_m=ATVPDKIKX0DER&pf_rd_s=center-2&pf_rd_t=1401&pf_rd_p=1683165482&pf_rd_i=1001916321#TermsAndConditions.Important Notification: This offer is good ONLY to customers who received the email invitation. If you did not receive an email invitation, you are not eligible for this offer. Customers receiving the invitation must use the Amazon.com account associated with the email address to which the invitation was sent in order to qualify.

Gifts Deals

Amazon Coupons
Logitech - K400 Wireless Keyboard - White $19.99 FS BestBuy@eBay Store
Added on : Sunday December 22nd 2013 07:00:03 AM
g: 0 Posted By: flyhighutah
Views: 26 Replies: 0 For those who have missed that deal http://www.fullofdeals.com/forums/hot-deals/1324836/
Here is Best Buy offers from their eBay store Link
Save up to $400/year per child on your taxes with a custodial account
Added on : Sunday December 22nd 2013 04:00:10 AM
g: 0 Posted By: tarcapone
Views: 0 Replies: 0 It's been written about on FWF before ( http://www.fullofdeals.com/forums/finance/955610/ ), but it's been a while. It's also been a while since we've had significant appreciated stock (at least for me). Here's the basic concept:

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

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

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

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

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

Tax Deals
Firefield Gen 1 Nightfall 2 Nightvision Monocular $80 + S/H
Added on : Saturday December 21st 2013 12:00:02 PM
g: 0 Posted By: ZombieHunter
Views: 0 Replies: 0 Cabela's

Seems like a cheap Night Vision for those who want to play with one

$79.99 + Shipping (+tax for some)

4% FW CashBack

Night Vision Linky

Obamacares catastrophic plans
Added on : Saturday December 21st 2013 05:00:08 AM
g: 0 Posted By: SinbadS
Views: 53 Replies: 0 THE Centers for Medicare and Medicaid Services announced that Americans who have had their plans canceled will be exempt from enrolling in the exchanges, because some consumers were finding other coverage options to be more expensive than their cancelled plans or policies.

CAN those older than 30 who CAN find coverage for less than 8 percent of their income apply for these catastrophic plans?
Personal Finance Deals
Sony RX10 "Open Box" $937 w/ free shipping
Added on : Friday December 20th 2013 02:00:03 PM
g: 0 Posted By: chunkychen8184
Views: 193 Replies: 0 Hi all,

for those interested in probably the best "superzoom" camera that has been released yet, the brand new Sony RX10 is being sold as "open box" items from Adorama for $937. This is a remarkable drop from the $1299 that everyone else is selling them for. I hear that people are getting brand new cameras, not the alleged open box ones. They come with a full Sony warranty. Sony cameras from reputable sellers don't go on sale often. I had been holding off on buying one because it is so pricey, but at this price, it is a relative bargain.

http://www.adorama.com/ISODSCRX10OB.html

You can see reviews on Amazon:http://www.amazon.com/Sony-DSCRX10-Cybershot-Digital-Camera/dp/B00FRHTSMW/ref=sr_1_1?ie=UTF8&qid=1387587580&sr=8-1&keywords=rx10

Pretty much, it has a much larger sensor than all other superzooms, a fast 8x 2.8 lens, the same image processor as the highly regarded RX100 II. Critiques: it is larger than the typical superzoom, the zoom is slow to move, and it is too expensive. But now it isn't.
Cameras Deals

Adorama Coupons
Free Kindle Book - The Blades of Ishara
Added on : Friday December 20th 2013 11:00:07 AM
g: 0 Posted By: bigginsben
Views: 50 Replies: 0 Free Today through Sunday - The Blades of Ishara

The first part of the Song of Ishara (also available on Amazon.com here)

"The world does not contain enough blood to slake the thirst of my sword. I wish it were not so. I wish fate held a higher calling than hunter of men but fate is fate and I am but a leaf blowing in its ever-changing winds. My blades bear the blood of a thousand souls and yet they thirst"

So begins the powerful new epic of love lost and vengeance found; of songs of mystery and power; of the defeat of darkness.

Korenzen Ishara is a farmer whose life is swept up in the broad sweep of history as good and evil battle on the grandest scale. His story begins as he loses those dearest to him to a war he knew nothing about until it came to his door. In this, the first book of his Song, he is caught up in this war and witnesses what he believes is its end. Along the way he discovers his own amazing abilities and how they might affect the outcome of the battle.
Books & Magazines Deals
g: 0 Posted By: remick
Views: 218 Replies: 1 http://www.amazon.com/Star-Christmas-Finding-True-Meaning-ebook/dp/B00HEN9UPW

The giving of gifts did not originate with man. Long before anyone conceived of the idea, God had determined that He would give to each persona gift of such profound magnitudethe world would stand in awe of His love.

In Bethlehem, 2,000 years ago, a tiny baby was born who did not originate in the womb of Mary. He came out of eternity and made His entrance into the world through the veil of human flesh. God became a man so that all those who would receive Him could obtain eternal life. There is no payment for this gift that is necessary by any one of us. God would pay the full price and give His only Sonfreely, lavishlyout of compassion and care.

Christmas is the profound exhibition of Gods love for all peopleillustrated by the perfect life of His Son. Although Jesus was born as a man, He lived a life of perfect righteousness, fulfilling all of the requirements of God. He died, not for His own sins, but for the sins of the whole world. Regardless of our estate in life, whether poor or rich, good or bad, all those who receive Jesus become as righteous and perfect as He isforever.

Though He lived only 33 years amongst usHis life, death and resurrection have forever changed the lives of countless numbers of people who have believed upon Him.

Christmas is more than the human expression of buying gifts, wrapping packages and giving our love. It is the celebration of this single life which has brought hope to all people. God has come and invited us to come and receive the gift of His lovefor time without end. All we must do is receive His Son and He will receive us.

In the delight and enjoyment of the Christmas season, there is a great need today to understand the true purpose of the celebration. This book is a look at the origin and intent of Gods great gift in giving us His Only Son.
Books Deals

Amazon Coupons
Useful life of mid and high rise condos?
Added on : Thursday December 19th 2013 04:00:11 PM
g: 0 Posted By: pj737
Views: 45 Replies: 0 A friend of mine that owns a condo in Honolulu, Hawaii may possibly receive a $60,000+ special assessment from his building's association because of necessary concrete spall repair and sewer/drain line rehabilitation. Because neither of these expenses were included in the building's Reserve Study, the HOA can forcibly pass these costs on to the owners. There is currently a lawsuit between several owners and the HOA as, understandably, many owners cannot afford this one-time upfront cost. They are currently seeking financing for these repairs. The building is just over 45 years of age and the HOA is claiming the cast iron pipe in the building has exceeded its design expectancy of 40 years and needs replacement. Others have contended that cast iron pipe should last longer... 50-60 years, and that repairs should be made instead of complete replacement. My friend is perplexed that the replacement cost of this piping (which runs throughout the entire building; some of which is only accessible by cutting massive slabs of rebar reinforced concrete) was never included in the Reserve Study. Most owners had no idea that this replacement was (soon) required and that it could be so expensive. In addition to the new piping, there is significant spall damage resulting from leaking pipes and weather-related degradation. For those that don't know what spalling is, it's when rebar inside of concrete corrodes and subsequently expands because of contact to moisture. The expansion of the degrading steel is often placed close to the surface of the concrete so it pushes the concrete out causing it to crack, crumble and fall. All concrete is porous so if it's not sealed and encapsulated to moisture, the rebar will eventually corrode, expand and crack the concrete compromising the structural integrity of the member. In other words, all concrete will eventually fail. This building is located in Honolulu, Hawaii and is in close proximity to the ocean; the high humidity of the tropics, consistent rainfall and salt content in the air all contribute to a more rapid degradation of steel and concrete than other parts of the nation.

So this got me thinking, are maintenance fees too low to truly sustain the ultra-long-term maintenance and rehabilitation requirements of condos? I know a lot of owners of condos gloat about how they don't have to worry about costs associated with single family home repair because it's covered in the monthly HOA dues but it's clear that reserve studies (which determine the replacement cost and life cycle of all the building's components) does not include EVERYTHING. I sit on two condo boards (in Honolulu, Hawaii), both of which are roughly 40 years old, and the reserve studies for both buildings do not show any reserves for future spall repair or water, sewer and drainage piping replacement. There is nothing for curtain wall window replacement, handrail replacement and upgrades for electrical wiring (though they do for most electrical components like transformers, switch-gear etc). They include virtually all replaceable items like marble cladding on certain architectural walls (which still look perfect 40 years later) but nothing to replace pipes that inevitably will fall apart over time. It's appalling. Then I started thinking about the structure itself... what is the life cycle or "useful life" of a mid or high rise building? I see building implosions of all types on the internet/news all the time. I've seen dozens of large concrete buildings being demolished here in Honolulu too... some of which are only about 50 years old. I understand that many of these buildings are torn down because they are technologically obsolete, don't meet new code/safety requirements or the building that sits on the land isn't serving the "best use" of the land. But in a condo where there are dozens or hundreds of owners, what happens? Eventually the ENTIRE building has to be torn down, right? Eventually the long term maintenance costs will exceed the cost to finance and erect a new modern structure that serves the needs and requirements of a modern society. Then there is the argument that some buildings last hundreds of years. That's true... but these are usually buildings that have cultural or historical significance... and a ton of money is usually injected into preserving these unique buildings through private, municipal, state and federal entities via taxpayers, public/private donations, trusts or otherwise. Owners of regular buildings (like the type that 98% of people reside in) would never have that kind of money to constantly rehabilitate to be safe and at least moderately technologically acceptable. In a nutshell, it would be impossible to preserve a decent standard of living and safety for residents with controlled costs in a multi-century old structure.

The economic life of most mid to high rise steel or steel-reinforced concrete buildings is 80-100 years (according to what I've read in studies). Wouldn't that suggest that your investment would mostly vaporize at some point? When you buy a single family house, the house (brand new) is usually worth about a third of what you pay... and the land about two-thirds (i.e. a new $1M house would be valued at about $330K for the structure and $660K for the land). Now this is an average for small homes in town on small lots (5,000 sf)... I'm sure that differs in other parts of Oahu (and definitely in other parts of the nation) but the land value to house structure value is definitely much more favorable than a condo. Here in Hawaii an average 1,400 sf condo in the urban core goes for about $1M. The same sized house in town goes for about the same but you own about 5,000 SF of land. In the condo you would own about 400 SF of land or about 8% of the SFH land. The land under the condo averages about $250 SF (which is about double of what the land under a SFH would go for) so of your $1M investment, only 10% of that ($100k) is in land. The rest is arguably in a depreciating asset (which according to my unscientific guess will eventually be worthless). Maintenance fees mostly prevent that depreciation by injecting money into constant upgrades and repairs. But at what point is the building obsolete whether structurally, technologically or safety-wise?

Sorry for the long post but I know there are quite a few real estate investment people on FW. Always good to hear what others think. Sorry I didn't post this in the RE thread... I figured this topic should deserve its own. Please don't flame me if my assumption is wrong!
g: 0 Posted By: Virgil27
Views: 272 Replies: 0 Sony PlayStation 3 250GB Batman Arkham Origins / The Last of Us Holiday Bundle @ PC Richard & Son - $199.99
was $262.99
Free In-Store Pick-UpWhile it might not be a PS4, it is a still good deal for those who still haven't bought a PS3 (which, make no mistake, will be supported for at least a couple more years), especially since it includes two new games for $63 off the next lowest price with free in-store shipping. (FatWallet Deal Hunter staff posts are certified ad-free. No money, bribes, or candy have been accepted.)
PS3 Deals

PC Richard & Son Coupons
Oakland Raiders Youth Helmet & Jersey $14.96 w Prime @ Amazon
Added on : Thursday December 19th 2013 12:00:03 PM
g: 0 Posted By: SanDiegoDude
Views: 103 Replies: 0 Yes, I am a RaiderHater by default coming from San Diego, but a good deal is a good deal especially when delivered in time for Christmas. Reviews are good. Perfect for all you Raider fans who (against the advice of the rest of the planet) decided to procreate teehee

***NOTE:***
The set doesn't come with any bloody spikes, silver facepaint, werewolf teeth, or severed heads on spears, you crazy raider fans will have to buy those separately.


http://www.amazon.com/Oakland-Raiders-Replica-Helmet-Jersey/dp/B003LMT2C6



Sports & Outdoors Deals

Amazon Coupons
Free Wine Tasting & Free Giveaways!
Added on : Thursday December 19th 2013 11:00:11 AM
g: 0 Posted By: chacuayab
Views: 91 Replies: 0 Free Wine Tasting

Come join us this Saturday as we sample out over 50 Wines from all over the world!

We will also be giving away free items such as: Flasks, Wine, Glasses & other great giveaways!
Click the link above for more information and to RSVP

Thanks!!!

See you Saturday!Event DetailsWe offer you one-stop shopping for your beverages and parties! Spring Wine and Spirits offers one of the largest selections of fine wines, spirits, beers, liquors, cigars, food items, and gifts in the western suburbs all without any county tax. And we go out of our way to provide friendly and knowledgeable service to our customers, while still offering great value.Come in and join us as we sample out over 40 different wines from all over the world. Bring in some enthusiastic Wine & Champagne lovers to those who have never been to a tasting for an unbelievable event!Hors D'oeuvres will be servedMust be 21 & over to taste the Wine (No age limit to be inside the actual event).This is the perfect time to get in all of your holiday gifts as well!This event is FREE.Also like our Facebook page for a chance to win a $150 gift certificate at the tasting!Have questions about Wine & Spirits Tasting?Contact Spring Wine & Spirts Corporation

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

Lowest price it has been
Link to Camel

Pillow has avg 4 star reviews.

Comes with a zippered removable cover

Features:

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

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

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

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

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

I added a $0.06 washer to get free shipping

Bedding Deals

Amazon Coupons
Looking back would you've had more kids?
Added on : Thursday December 19th 2013 10:00:10 AM
g: -1 Posted By: cdddazz
Views: 176 Replies: 2 We all know raising kids isn't cheap, but I've been wondering if you could turn back the hands of time would you have more kids?
This is mainly a question for those with children where at-least one child is over the age of 18.
Please fill in the following format so it'll be easier to follow.
Married or Divorced:
# of children:
Age of oldest child:
Age of youngest child:
Looking back could you have afforded to raise another child and if so would you have had another child? Why or why not?


General Economics Deals
Magnus VT-300 Video Tripod with Fluid Head $59.95 Amazon
Added on : Thursday December 19th 2013 08:00:03 AM
g: 0 Posted By: mrlemm
Views: 21 Replies: 0 For those of you that missed the Costco tripod deal, Amazon is having a lightning deal on the Magnus Tripod

Linky
Cameras Deals

Amazon Coupons
50% off Dryer electrical line 4 prong and cheap outlet for it on Amazon.
Added on : Thursday December 19th 2013 07:00:07 AM
g: 0 Posted By: noidea789
Views: 266 Replies: 1 50% off Dryer 4 prong electrical line and 30 amps outlet cheap on Amazon.Just in time for all those who brought the cheap LG and Samsung washer and dryer combo
Over BF.

These sells for $10 or more but now, $7.50

http://www.amazon.com/dp/B0002YE3OI

These sells for $20+ from Lowes and Homedepot,

But they sells for as low as $9.98 for 4' but $1 more for 6'.
They goes up to 10' long.
It's like 50% off........wow.!http://www.amazon.com/dp/B00009W3A9
Appliance Deals

Amazon Coupons
g: -1 Posted By: remick
Views: 135 Replies: 0 http://www.amazon.com/dp/B008PRGF7C

4.4 out of 5 stars(283 customer reviews)

On April 28, 2006, as he lay in his hospital bed in Ann Arbor, Michigan, visions of celestial beauty were the last thing on Marv Besteman's mind. He had just had surgery to remove a rare pancreatic tumor. It was after visiting hours and his family had left for the day. Alone and racked with pain, Marv tossed and turned, wanting more than anything else to simply sleep and escape the misery and discomfort for a while. The retired banker, father, and grandfather had no idea he was about to get a short reprieve in the form of an experience he never could have imagined.

In My Journey to Heaven, Marv Bestman shares the story of his experience of heaven with astounding detail. Readers will hear of his encounters with angels who accompanied him to the gate, his conversation (argument, really) with St. Peter, and his recognition of friends and family members who touched his life. His story offers peace, comfort, and encouragement to those who have lost loved ones and gives security and solace to those who are grieving, dying, or wonder about the afterlife. Marv believed God sent him back to earth to fulfill this mission of comfort and reminds readers that God has work for each of us to do before he calls us to be with him in heaven. Secure in his belief that his book was the fulfillment of his own mission, Marv returned to heaven in January 2012.
Books Deals

Amazon Coupons
Square Enix Android Sale Final Fantasy 3, 4, and 5 for $7.99 each
Added on : Thursday December 19th 2013 03:00:02 AM
g: 1 Posted By: View
Views: 127 Replies: 1 I've beenchecking this dailyand it looks like they finally give in. Square Enix seems to have been unwilling to participate in holiday sales since Thanksgiving 2013.
Apps by Square Enix on Google Play
In my opinion those are all good solid games but paying 15.99+taxes on old IP seems excessive to me.
If you have promotional credits you may be able to get them free without taxes. (Taxes do not apply on promotional credits that have expiration dates--usually 90 days.)

One nice thing about those games is that they are full games without In-App Purchases(aka IAP). So it's pretty safe to give them to kids. (just make sure they don't play games for the whole day!)



Apps Deals
Carter's L/S Tees 30% off AC and free 2 day shipping Diapers.com
Added on : Thursday December 19th 2013 12:00:02 AM
g: 0 Posted By: Kattah
Views: 5 Replies: 0 Linky

Coupon Code: SELECTCARTER will give you 30% off

I selected one of each style, seven in total, and my cart came to $37.03 with free 2-day shipping.

The T-Shirt in this post came to $3.99 after coupon.

Roll them up to place in a stocking, or grab some extra for those still waiting on the Angel Trees!

Take a Look at MORE items that qualify with this coupon code
ThinkGeek Collapsible Shot Glass 2.99 with free ship
Added on : Wednesday December 18th 2013 04:00:02 PM
g: 0 Posted By: GeekyOne
Views: 0 Replies: 0 https://www.thinkgeek.com/product/ea6e/


ThinkGeek Collapsible Shot Glass 2.99 with free shipping code: GETITNAO

Have to order by 11:59PT to have it arrive by Xmas.

Normally charge 7.99 for these but at this price point it's a pretty good deal. I bought a few assecret santa/office exchangeat the 3.99 price point and was impressed. Got a few more for those last minute guests for the holidays.
g: 1 Posted By: MightySlacker
Views: 129 Replies: 5 I will try not to TLDR; this but also not skim over important details. I will already assume that YANML if you respond. I also am waiting to speak with him to get some clarification on some things. Ohio is state.

Original lease expired Sep '12, so we were month to month. Verbal notice provided Sep 13 that October 13 would be last month, and last months rent was pre-paid. Security deposit was $650.

House was in very good condition, though I did not get all the trash out before the 31st. Acknowledged that was going to be a ding in the deposit. Trash was on back porch and a bookcase with some misc in basement. Landlord sent text asking if all was trash so he could put it by road, said yes and apologized.

No contact from landlord in the 30 day required window. Waited a few extra days, then sent a letter of demand. Landlord called next day incredulous and shocked that I would not contact him before such a "threatening" letter, asked if was still possible to work it out. I said yes, you can send your list of damages and I will compare them with my pictures and receipts. Said he was sending out last week. Sent a text yesterday informing him nothing received, said he just mailed it out because he had to "talk to counsel" first". Got it today (no supporting documentation).

Front page of letter makes many references to lease, which expired in Sep 12. His claim is that in fact the repair bill is $1125.83, and that if I dont cease and desist he will countersue for $475.83. "indemnification Deposit Infractions" listed are 1) Residence not damaged beyond normal wear and tear 2) Management not in possession of final bills 3)Resident not signed move in/out forms (there was no move in form).

Obviously, there is no way in hell that if he really thought I owed him that, he was going to just let me slide and not say anything. Pretty much sure this is an attempt to mitigate his loss if we go to court because he knows I'd get double damages.

Misc info: Landlord lived right across the street, so was pretty nosy. No complaints of any kind while we were there except one time we had a BBQ and people parked on both sides of street. When talking with him last week, he let a lot of things slip, including admitting tampering with mail that didn't get forwarded properly. That has nothing to do with security deposit, and I'm trying hard to not make it personal even though he seems on purposely insulting my intelligence. Here are some of the deductions:

Pool closing services - $470.00 (2 x 235). Nothing in lease about pool maintenance, was verbal agreement). I am assuming that x2 means for this year and last. Last year, I had him help me and he said to give him $50 for chemicals, which on the next months rent check I added and made a notation on the bottom (says Nov Rent + Pool), so I'd have no idea why he'd try and charge me this much now without mentioning it before. This year, I drained the pool myself, disconnected everything and put in chemicals. The next day, when I arrived, people were closing the pool. Landlord said my chemicals didnt work (less than 24 hours after I put them in) and said the chemicals cost $32 that he used. Landlord gave no notification that he was coming to close the pool, or gave me any sort of deadline to have the pool closed.

Landscaping - $48 (8.00 x 6 hours). This was done mid-October, as he asked to do some of the stuff before I left so he could rent it out sooner and I agrees. Can he turn around and charge me for things done before I moved out? Isn't it unreasonable to assume that I wouldn't have done that?

There is $325.96 for living room carpet damage, $225.96 original cost and $100 replacement cost. Not sure what this means. There was no holes, burn marks, pet damage, stains, anything. There were a couple of runs on the basement stairs carpet when moving furniture.

$50 for swimming pool carpet damage?, was cheap indoor/outdoor carpet. Did not take a picture of this. There was no major damage or tears, 2 years and 2 months of weather did a toll though. There is a clause in the old lease that says $50 for carpet cleaning, can this be extrapolated to outside pool carpet?

There is also $320 for kitchen repainting because of a giant bubble in the paint behind our stove. Our stove was brand spanking new. It was Glidden latex paint. Landlord extrapolates since that we did concessions we use stove more than normal. My counter is that we didnt prep that much concession food at home, and that we had that job on weekends and both had 40 hour a week jobs we used the oven less than most normal people because we were never there. Sherwin Williams guy said the bubble was caused by the painting not being prepped right (wasnt dry) and the heat caused the water to evaporate. Said normal paint will chip, not blister, and that if you could peel the paint like a sunburn, it's not primed right.

Another $100 for repair materials.

So, the questions I am wondering.

1) Since the lease is expired, are we still bound by all the terms, or does a standard become "normal wear and tear"? I got an answer that mentioned a holdover clause, but the one in our old lease just says I have to deliver the residence in good order and repair. The lease mentioned no holes in the wall, and we had a minor amount of pictures hung that would be considered normal (less than 5 in living room). Not sure if the lease language still applies.

2) Can things that were done by landlord before we moved out still be held against our security deposit? Agreement was only made that he could do those things, not that we were hiring him to do them for us?

3) Even if his lease "Infractions" still apply to me, is that an excuse to not abide by the 30 day limit for withholding a deposit?

Any other insight would be appreciated.

Dave
Discussion Deals
g: -3 Posted By: FitnessPotato
Views: 434 Replies: 1 This is one of those short term Lightning Deals that Amazon is doing now.
The Gore Tex gloves are great for mountain biking when it's cold out.
Almost 50% off.
Only 2 hours left.
Hope you see this in time.
http://www.amazon.com/dp/B003BV4AOC/
Bicycle Deals

Amazon Coupons
BOGO GE silicone II caulking and Galvanized flashing 10' long at Lowes
Added on : Wednesday December 18th 2013 07:00:05 AM
g: 0 Posted By: noidea789
Views: 217 Replies: 0 BOGO on GE Silicone II Caulking, Soap dish, Galvanized metal flashing at Lowes..>> 13 cents!They have fish soap dish for 13 cents

http://www.lowes.com/pd_158421-695-31306_0__?productId=3051323&Ntt=fish+soap+dish&pl=1¤tURL=%3FNtt%3Dfish%2Bsoap%2Bdish%26page%3D2&facetInfo=

The have GE clear silicone II caulking for BOGO for $5.92

http://www.lowes.com/pd_444949-72643-GE5000X2_0__?productId=4402709&Ntt=ge+silicone+ii&pl=1¤tURL=%3FNtt%3Dge%2Bsilicone%2Bii&facetInfo=

Or buy 2 and get 2 free

http://www.lowes.com/pd_444950-72643-GE5000X4_0__?productId=4402711&Ntt=ge+silicone+ii&pl=1¤tURL=%3FNtt%3Dge%2Bsilicone%2Bii&facetInfo=

And finally aluminum and galvanized steel flashing for $3.04 and $3.43
Usually sells for $20.00 or more.
They are 8" and 10" by 25' long.

http://www.lowes.com/pd_505228-52595-RV725G_0__?productId=50020182&Ntt=flashing&pl=1¤tURL=%3FNtt%3Dflashing%26page%3D4&facetInfo=

http://www.lowes.com/pd_232101-52595-RV2012G_0__?productId=3284738&Ntt=flashing&pl=1¤tURL=%3FNtt%3Dflashing%26page%3D4&facetInfo=

and those roof flashing for ridges that is like "V" or "W" shaped, measure about 10" to 12" wide and 10' to 12' long
are only $1.20 to $1.80 each, normally goes for $7 - $9 each.!
i saw they have about 6-7 types of different flashing,

PS: You can flatten it and it will the same or cheaper price compare
to the rolls of flashing IF you didn't get that.
30' of flashing for $3-$5..still not too bad!
looks like the items below (not exactly the same, visit the store to fix your roof for CHEAP!)

http://www.lowes.com/pd_127055-52595-SZB58B_0__?productId=3284386&Ntt=galvanized+flashing&pl=1¤tURL=%3FNtt%3Dgalvanized%2Bflashing&facetInfo=



Hurry before it's too late..
The fish soap dish and flashing is in the store only..!
My zip is 94539 in Northern California.
Home & Garden Deals

Lowe's Coupons
Free Shipping Day, Dec. 18, Over 900 Mechants, No minimum
Added on : Wednesday December 18th 2013 05:00:13 AM
g: 1 Posted By: Lvscott
Views: 77 Replies: 0 To entice those procrastinating shoppers. Today, December 18 is free shipping day, with no minimum and delivery by Christmas eve at over 900 merchants. For the complete list, including any needed codes go to www.freeshippingday.com

Note: Some merchants are only offering free shipping on selected items only. Please do not patronize these merchants or reward them with a purchase as they are not acting in the true spirit of this event.
Eyeing a rental market play? Blackstone wants you
Added on : Wednesday December 18th 2013 12:00:05 AM
g: 0 Posted By: raspino
Views: 45 Replies: 0 http://finance.yahoo.com/news/eyeing-rental-market-play-blacksto...

looks like an opportunity for those interested in rental on a bigger scale.
Investing Deals
Amazon $25GC for $20 at Toys R US B&M after $5 Amex Offers credit YMMV
Added on : Tuesday December 17th 2013 02:00:09 PM
g: 1 Posted By: MISTERCHEAP
Views: 265 Replies: 0 Posting this for those who NEVER have a reason to shop at Toys R US. First, preclip the "AMEX" offers for $5 statement credit on $25 at Toys R US in my offers at www.americanexpress.com

When you're in the proximity of one, go in and grab a $25 KINDLE card off their gift card rack. KINDLE GC's are the same as regular Amazon GC's and can be used on any Amazon purchase.

Charge the $25 to AMEX, get the statement credit. pay $20, Limit 1 offer per qualifying card (can add the offer to multiple cards if you have)

ends 12/31

CONFIRMING I DID THIS MYSELF and earned the credit, deposited the $25 Amazon KINDLE card into my Amazon Balance
Electronics Deals
Newegg 2K Winter Games sale (up to 80% off)
Added on : Tuesday December 17th 2013 09:00:06 AM
g: 0 Posted By: rurallaw
Views: 167 Replies: 0 12 games listed including:

BioShock Infinite $9.99
Borderlands 2 $8.99

http://www.newegg.com/Digital-Games/PromotionStore/ID-2126840

Some may want to wait for Steam's Christmas sale. I believe it is scheduled for December 19, but this is for those who can't wait or maybe see a deal too go to pass up. The best discount I've seen in Steam is 80%.
Video Games Deals

Newegg Coupons
g: 0 Posted By: kprez
Views: 204 Replies: 0 Get 50% off all phones at CREDO.
Use promo code 501350 online or when you call (800) 966-1665.
Offer expires 12/26/2013.

=14pxContract buyout credit up to $350 per line switched
(up to 5 lines, and excludes equipment charges)
True unlimited data (unlike those other carriers that throttle your speed)
No contract for 30 days
No domestic roaming or long distance charges
Calls carried on the nationwide, all-digital Sprint network,
reaching over 280 million people
Free shipping on all phones

*With two-year CREDO Mobile service agreement. Offer available only to new CREDO Mobile customers and subject to credit qualification.

Cell Phones Deals
Meritline-Full Face Cover Winter Ski Mask/Cap-$4.50
Added on : Tuesday December 17th 2013 04:00:08 AM
g: 0 Posted By: timkay2
Views: 310 Replies: 1 Meritline has a full face winter ski mask/cap for $4.50 and free shipping! Link:
http://www.meritline.com/full-face-cover-winter-ski-cap-black---p-59589.aspx?

Great buy for those of us in cold weather climates. In for two.


Clothing Deals

Meritline.com Coupons
g: 0 Posted By: addylor
Views: 212 Replies: 0 For those who got in on the recent iPad mini deals.
Not a steal, but a nice case. These are usually just under $50, but can be found for around $39.
So, $24.97 is a fair price.
Targus Versavu Rotating Case Stand for iPad mini Black


Tablet Accessories Deals

Staples Coupons
g: 0 Posted By: heyyl0w
Views: 278 Replies: 0 Pennywisehas a 4-pack of Ferrero Collection Assorted Chocolates on sale for $19, shipped.

Each box has 12 wrapped chocolates in three different flavors. Sell by date is February 2014.

A few days ago, Tanga had the same deal for $17.77. Pennywise doesn't have the added benefit of FW CashBack, but this is a good price for those of us who tend to procrastinate gift buying!

Pennywise features one item on sale for a period of 24 hours or until the item sells out.


Grocery Deals
PS4 in Stock @ Bestbuy.com
Added on : Monday December 16th 2013 07:00:03 AM
g: 3 Posted By: trooper1414
Views: 358 Replies: 0 My first ps4 went bad after a month , disc loading issue...returned and just ordered a new one They are in stock @bestbuy.com for those who want to get it.

http://www.bestbuy.com/site/Video-Games/PlayStation-4-PS4/pcmcat295700050012.c?id=pcmcat295700050012&pageType=REDIRECT&issolr=1&searchterm=ps4

Good luck
PS4 Consoles Deals

Best Buy Coupons
g: 1 Posted By: rareairhead
Views: 92 Replies: 1 Greetings my Fellow FatWalleteers. I was browsing the distant aisles of the local Amazon store looking for some X-mas deals and came across this offer. 60 morsels of Lindt Stracciatella White Chocolate for a $2.00 off coupon price of $10.77 delivered with Prime.

Link-A-Zon

That works out to about $.1795 per morsel munch, if you munch morsels one at a time. The one use coupon can also be applied to other Lindt offerings, but this appears to be the least expensive. Early reviews indicated some difficulties in quality control, but those problems appear to have been corrected in later reviews. Ships in Frustration Free Packaging if that does anything for you.

Enjoy!

Food Deals

Amazon Coupons
g: 0 Posted By: remick
Views: 224 Replies: 0 http://www.amazon.com/Quest-More-Living-Something-Bigger-ebook/dp/B00F5KX778

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.
Books Deals

Amazon Coupons
Vtech Disney Princess Laptop: $6.50 @ Kmart.com
Added on : Monday December 16th 2013 01:00:08 AM
g: 0 Posted By: bittul
Views: 140 Replies: 0 Eligible for FS w/SYWM.

This is even more awesome if you happen to have one those emails letting you know you got free points!

http://www.kmart.com/shc/s/p_10151_10104_004W002297182000P

Nice reviews @ Amazon: http://www.amazon.com/VTech-Disney-Princess-Magical-Learning/dp/B003FQCZ6S
Toys Deals

Kmart.com Coupons
g: 0 Posted By: DaysFan
Views: 182 Replies: 1 Clearance $9.40Regular $47.00

Another Line by Lodis Patent Leather iPhone Case

http://www.kohls.com/product/prd-1360966/another-line-by-lodis-patent-leather-iphone-case.jsp?skuId=Another+Line+by+Lodis+Patent+Leather+iPhone+Case&search=Another+Line+by+Lodis+Patent+Leather+iPhone+Case

linkedGet dialed into fabulous style with this Another Line by Lodis iPhone case. With a wrist strap and exterior ID window, this case keeps your essentials accessible. It slips easily into any handbag or can be worn on its own.

Genuine leather construction lasts for years to come.
Details:

Fits all iPhones
3 3/4"H x 5 3/4"W x 3/4"D
Magnetic tab closure
Exterior: ID window, zip pocket & phone pocket
Leather
Style no. 169BBF
Promotional offers available online at Kohls.com may vary from those offered in Kohl's stores.


Cell Phones Deals

Kohl's Coupons
Olympus E-pm2 two lens kit 349
Added on : Sunday December 15th 2013 02:00:06 PM
g: 4 Posted By: hermionetic
Views: 442 Replies: 2 http://www.bhphotovideo.com/c/product/1019179-REG/olympus_v20602...
For those that missed out on that one day Amazon Lightning deal. also available in BLACK.

Cameras Deals

B&H Photo & Video Coupons
Olympus pm2 two lens kit 349
Added on : Sunday December 15th 2013 01:00:04 PM
g: 1 Posted By: hermionetic
Views: 183 Replies: 1 http://www.bhphotovideo.com/c/product/1019179-REG/olympus_v20602...
For those that missed out on that one day Amazon Lightning deal. also available in BLACK.

Cameras Deals

B&H Photo & Video Coupons
Should I Invest? (question for people w/ home renovation experience)
Added on : Saturday December 14th 2013 07:00:05 PM
g: 0 Posted By: mrobm
Views: 128 Replies: 3 So I had a colleague approach me about a business he's starting and I need some advice before investing anything in it. In reality, he only needs a pretty paltry amount (even if I got zero return, it wouldn't even come close to breaking the bank), but I still want to see if people with more experience in the home renovations/house flipping industry than I have think it meets a legitimate need. The in-person validation I've done has definitely been slanted in one direction, and I'm curious if people here will agree.

First, for those of you who have done considerable room/home renovations, particularly on an investment home or some other semi-professional endeavor, how much of a pain is it to go around and get all of the right supplies from the various sources throughout the project? Is it a huge time investment to plan out and purchase everything you need throughout the project?Was staying within your intended budget difficult throughout the project?

Second (the most important part), would itbe useful to be able to go to a website and see completed rooms (with all the paint, colors, fixtures, tiles, flooring, appliances, etc. all matching and looking good together)that you could select and have all the materials you need to recreate the room shipped right to your door? The price for the room would not be any higher than you would pay purchasing each item individually. (just to give it a quantifiable amount, please rate it 1-10)

Thanks! I appreciate you sharing your expertise!
Investing Deals
Request for career advice (Update 2)
Added on : Saturday December 14th 2013 02:00:05 PM
g: 0 Posted By: puddonhead
Views: 123 Replies: 0 Okie doe... It's one year since I hadlast posted on this topic. I'm giving a mid-course update - partly to chronicle what's happened and partly to request for any helpful suggestions/advice anyone can offer.

Previous topic #1: Request for career advice
Previous topic #2: Request for career advice (Update ...)

Recap:
1. Wifey was a stay-at-home mom, looking to get back to work after minding the kids for 6 years. This was circa 2011.
2. She had a liberal arts background, with an MA in English Literature.
3. She loves teaching and wanted to be a school teacher. Initially she wanted to be an elementary teacher (so that she could work in the same school that the kids are goint to go to). She started taking courses in the community college towards to meet pre-requisites as advised by the local teaching college advisoron Jan-12 (Undergrad Spring semester).
4. Some of the pre-requisites included math and science. She did pretty well in those - well enough to be appointed as a "peer tutor" of mathematics in the CC getting paid $9/hr.
5. One semester of peer tutoring later - she has now completed Pre-Calc and started Calculus I. She got an offer to join as an "EA" at the same CC - doing the same job as a peer-tutor, but getting paid $24/hour instead.
6. By this time her goals have completely changed. From elementary teacher, she initially wanted to become a math teacher, and eventually veered into Computer Science.
7. After doing some leg-work, she gets admission into the MS program in Computer Science in one of the local universities. Because of her (lack of) background - she has to take 6 additional, undergrad level courses as compared to a normal MS student.

Since Then:
1. She has completed the Calculus Series of mathematics (I, II, and III). With A's in everything but Calc.-II, where she got a B.
2. She has taken 4 of the 6 required pre-requisite CS Undergrad courses: Programming I (she got an A), Programming II (B), Data Structures (grades not out yet: possibly a B+ or A-), Computer Architecture (grades not out yet: but almost certainly anA).
3. She still needs to take Algorithms and Operating Systems as the undergrad core courses - in addition to the graduate courses for her degree.

Plan:
1. At the time of last posting - she was not sure if she will pursue an academic career or a job-oriented one. This has now been clarified - she will complete the MS degree and start a job ASAP.
2. If everything goes according to plan - she should be able to complete all the courses required for MS sometime in the middle of 2015.
3. The goal is to prepare for, and get a Java Certification (associate - to start with) during the summer break of 2014.

Other considerations:
1. Consequent to her goal clarification (i.e. going for job, not academics)- some of the earlier course plans have changed. She had earlier planned to take some intermediate level math courses (e.g. Diff. Eq., Linear Algebra, Discrete Math etc.). Only Discrete is still in the course plan. Also jettisoned are some of the theoretical CS courses like the "Computation Theory", "Theory of Programming Languages" - in preference of courses that have more practical applications.
2. Once she completes the MS and starts a job- she will re-evaluate if it makes sense to change course (perhaps a part time PhD, or try to find any academic position etc)..

Some of the suggestions (and even negative... errr... constructive) feedback in the earlier threads were helpful. Any suggestions?
Question Deals
ammo - sk 22lr 500 round can $48.95 plus shipping
Added on : Saturday December 14th 2013 02:00:03 PM
g: -4 Posted By: 1naylor
Views: 184 Replies: 1 http://www.bullets.com/products/Ammo-22LR-40Gr-LRN-Can-of-500/BL...

Limit 2 cans (1000 rounds) This is really nice ammo - subsonic for those of you who like to shoot suppressed. For everyone else it's just very nice, accurate ammo.

Cheaper than what CCI standard velocity is going for these days and well... it's available now. I got 2 cans and shipping was $9.95... not sure about 1 can.


Guns & Ammo Deals
FREE 2-Months of Sirius XM Radio Service (No Credit Card Required)
Added on : Saturday December 14th 2013 08:00:03 AM
g: 0 Posted By: cyberpitstop
Views: 245 Replies: 0 http://care.siriusxm.com/preownedvehiclestrial_view.action
Saw this over a TB and thought I would share.~~*This is a free, no-obligation trial. No credit card or other payment information is required to take advantage of this offer, only your personal information is needed to set-up an account. If you decide to continue at the end of your trial subscription, service will continue until you call us at 1-866-635-2349 to cancel. See our Customer Agreement for complete terms at www.siriusxm.com. Our satellite service is available only to those at least 18 and older in the 48 contiguous USA and DC. Our Sirius satellite service is also available in PR (with coverage limitations).
Music Deals

SIRIUS Satellite Radio Coupons
g: 2 Posted By: remick
Views: 323 Replies: 0 http://www.amazon.com/Purpose-Power-Love-Marriage-ebook/dp/B0051GN8S4

4.9 out of 5 stars (21 customer reviews)

Probably no other dimension of human experience has been pondered, discussed, debated, analyzed, and dreamed about more than the nature of true love. Love is everywherein songs and in books, on televisions and on movie screens. Yet, for all of our thinking and talking, how many of us truly understand love and where can we turn for genuine insight in matters of true love? In The Purpose and Power of Love & Marriage, Dr. Myles Munroe provides the answers to questions surrounding the true nature of love as he also exposes the false images created in our culture. Throughout this book he eloquently illuminates the many facets of love while at the same time tackling the really tough subjects of separation and divorce. This book is sure to become a classic that will last for a lifetime and beyond as it responds gently and practically to those seeking to resolve the challenges of human relationships.


also free at the time of posting

How to Rekindle an Unhappy Marriage: Overcome Resentment and Regain the Trust You Need (The Marriage Guide Series) [Kindle Edition]
http://www.amazon.com/gp/product/B00BBFR3N0

How to Get the Spark Back in Your Marriage - A Complete Guide for Women to get the Love back in Your Marriage(marriage counseling,marriage help) [Kindle Edition]
http://www.amazon.com/How-Spark-Back-Your-Marriage-ebook/dp/B00H6TF4KE

Making Your Differences Work for Your Marriage (Ebook Shorts) [Kindle Edition]
http://www.amazon.com/Making-Differences-Marriage-Ebook-Shorts-ebook/dp/B00CZALQ1K

How To Save Your Relationship... From Yourself: A Myth-Busting Guide To Successful Love [Kindle Edition]
http://www.amazon.com/gp/product/B00BXPURNQ

Books Deals

Amazon Coupons
Free Kindle Book- The Purpose and Power of Love & Marriage (was $15.99)
Added on : Saturday December 14th 2013 01:00:03 AM
g: 1 Posted By: remick
Views: 43 Replies: 0 http://www.amazon.com/Purpose-Power-Love-Marriage-ebook/dp/B0051GN8S4

4.9 out of 5 stars (21 customer reviews)

Probably no other dimension of human experience has been pondered, discussed, debated, analyzed, and dreamed about more than the nature of true love. Love is everywherein songs and in books, on televisions and on movie screens. Yet, for all of our thinking and talking, how many of us truly understand love and where can we turn for genuine insight in matters of true love? In The Purpose and Power of Love & Marriage, Dr. Myles Munroe provides the answers to questions surrounding the true nature of love as he also exposes the false images created in our culture. Throughout this book he eloquently illuminates the many facets of love while at the same time tackling the really tough subjects of separation and divorce. This book is sure to become a classic that will last for a lifetime and beyond as it responds gently and practically to those seeking to resolve the challenges of human relationships.
Books Deals

Amazon Coupons
USAA -Auto Accident and repair shop SCAM?
Added on : Friday December 13th 2013 08:00:18 PM
g: -3 Posted By: ElephantNest
Views: 743 Replies: 26 I'll try to keep this short.

My employees were in an accident a couple of months ago, no injuries, other person's fault. Damage to my work truck was moderate. I call the other person's insurance (USAA) and file a claim. They tell me I can take the truck for a repair estimate to their approved repair shop (they have ONE out of 20+ in the area), a shop of my choice, or have someone from their company come out and estimate the damage. I agree to take it to their approved shop, since they are known locally for good repair work. They give me an estimate of ~$1300, which I felt was low from the moment they said it. I mentioned that, and they simply said if it ends up being more, we'll submit a supplement to USAA and they will pay for it.

This wasn't sitting well with me. I take it to the local GMC dealership, and they give me a repair estimate of $3600 to replace rear bumper, rear tail light, and repair and paint side of truck bed. He laughs at the $1300 estimate immediately. So I call USAA and inform them that I feel like they are trying to pull something over on me.....like funnel me into their one approved repair facility, then they give me an extremely low estimate so that I would: a) bring it to them and nowhere else since they're so "cheap", b) stop me from looking elsewhere for repairs c) stopping me from making an informed decision on if I want it repaired or not.

The truck is on '01 with fairly low miles, runs great, etc.

So I then call USAA to send in the other estimate. They tell me they ALREADY sent the $1300 check to the "approved repair company" even though I DID NOT approve it, accept their estimate, nor did I 'OK' the work, in any way, shape, or form. So after calming down, they assure me they can get the check back.....though the repair co. had already cashed it. So I have to wait for them to send USAA the $$ back, then wait for USAA to re-issue the check. I had to go over the original rep's head, because she rudely insisted that I cannot get a check sent to ME, only to repair companies. I told her this was BS because it was MY decision on if I even wanted to repair it or not. She just keeps talking louder, over my voice, won't let me speak, etc. I hang up on her, call back and demand a supervisor. The supervisor agrees to let me send in the new estimate, agrees to pay the difference, and sends out a check for $2300. Days after the woman I hung up on supposedly sent the $1300 check to me. So I get the $2300 check a few days ago, but NOT the $1300 one. They say it must have gotten lost in the mail, yeah, right.

Is this worth making a big stink over? I honestly feel that the repair shop knows exactly what they're doing. They give the ridiculously low bid to get them in, then submit their supplements, which USAA already told me they always pay.....so what incentive does the repair shop have to give anything BUT under-inflated estimates?? It gets people in the door, then they still get the $3600 or whatever they would "suddenly find" once there that would cost more than their $1300 original estimate. Like I mentioned before, the cost is so low one almost doesn't even consider NOT having the repairs done......

So I still have yet to receive the $1300 check, and this whole thing has left a terrible taste in my mouth about they way USAA and (more importantly) the repair shop does business. Though I think they know what the other is up to. I asked USAA for the records on the percentage of "supplements" the repair shop has submitted, and they don't keep those records, so they say.

Assuming I get the $1300 check in the next few days, should I do anything? Contact attorney to request repair records related to USAA and this particular shop? Let it go? Just fuming over the entire ordeal, and wonder how many others have been suckered into using their approved repair shops as requested by USAA.

Question Deals
Start-up offering free stock trades: robinhood.io
Added on : Friday December 13th 2013 08:00:17 PM
g: 0 Posted By: Jahlapenoez
Views: 3 Replies: 0 https://www.robinhood.io/

Saw this on Reddit earlier today and thought the finance crowd might be interested in it. A start-up is offering $0 stock trades for self-directed accounts and trades done via their mobile app. Looks like currently only doing business in California and not a nation-wide roll out, but worth keeping an eye on.

Has some big name investors funding as well: Google Ventures and Andreessen Horowitz

Might be worthwhile for those who didn't get the Wells Fargo PMA free trades before they ended the program, don't qualify for MerrillEdge, or frequent traders. I already get free trades and don't trade often, so I haven't tried it out but figured others might consider it.
g: 0 Posted By: dealsgirl3
Views: 243 Replies: 0 CHI Air Expert Classic Tourmaline Ceramic 1 Flat Iron plus Free Mini-Straighteneris now available on Target.com for $99.99 with free shippingplus a free $10 Target Gift Card.

This is a Target Exclusive offer that may also be available in some Target stores. Nearly all major etailers have the Air Expert 1 Iron listed for $99.99, so this is a great bundle offer!

Don't forget your up to 2.5% FatWallet Cash Backfrom Target.com!



In addition to the basic black, the regular and mini irons come in five other color/pattern combinations, some of which don't appear to be offered by other etailers.

CHI Air Expert Classic Tourmaline Ceramic 1-in. Flat Iron utilizes the latest innovative technology combining Tourmaline Ceramic with even heat distribution, producting an exceptionally high amount of negative ions and Far Infrared which reduce static electricity for that perfect style. This Classic Flat Iron is ideal for all your hairstyle needs. Now, you can straighten, smooth, curl, wave, spiral, flip and bend. Just use your imagination and create your own personal flair. Eliminates Static, Reduces Frizz, Unparalleled Shine, Quick Heat Up, 9ft. Swivel Cord for Convenience, 2 year Limited Warranty.

Features: Infrared Heat, Swivel Cord, Ceramic Plates, Quick Heat Up, Multiple Heat Settings, Tourmaline Coated

CHI Air Expert Mini Tourmaline Ceramic Flat Iron's compact size makes it the perfect travel companion. Wonderful for touchups on those bad hair days. Tourmaline Ceramic for Moist Heat, Negative Ions for Frizz Free Style, Far Infrared Moist Heat, Superior for Smoothing and Straightening, Ideal for Touchups, Ergonomic Design, Easy Grip, Ideal for All Hair Types.
Beauty Deals

Target Coupons
Fidelity Personal Retirement Annuity seems good, what's the catch?
Added on : Friday December 13th 2013 03:00:12 PM
g: 0 Posted By: dmlavigne1
Views: 58 Replies: 0 I was talking to my fidelity rep the other day and he mentioned that Fidelity offers an "Annuity" FPRA to allow for pretax contributions above the 401k/roth/traditional limit. Annuity has a really bad taste and usually I run screaming from it due to the high fees, high surrender value, etc. But...... It appears that there is no surrender charge, the fees are low and I can pick low cost funds like index funds, and I control it within their selected funds. 10K minimum to open and I know that I can't withdraw the money until 59.5 or there is a 10% penality on gains taken out of the account. No maximum so I could essentially adjust my gross income to whatever I want.

The fee structure is less than any 401K (or so it seems). The only down side I see vs a traditional IRA is that I can not take life payments from it to avoid the 59.5 age deadline.

So I ask the FWF community: What's the catch? It really seems like a great option for those in a high tax bracket looking for additional options past the tax deferred limit.

Link here: https://www.fidelity.com/annuities/FPRA-variable-annuity/overview
Investments here:http://fundresearch.fidelity.com/annuities/category-performance-annual-total-returns-quarterly/FPRAI?refann=005
Question Deals
g: 0 Posted By: dealsgirl3
Views: 171 Replies: 0 Craftsman 3 pc. Pliers Set, Mini Box-Joint is currently a Hot Buy on Sears.com for $9.99 with free store pickup. This is half off their regular price of $19.99, and Shop Your Way Members can earn 300 points with this purchase.

Don't forget your FatWallet Cash Back, which is now 6% from Sears.com!

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.

This set has earned 4.5/5 Star reviews on Sears.com.

Description Item # 00945673000P Model # 45673
Tools Deals

Sears Coupons
g: 0 Posted By: nickradack
Views: 350 Replies: 4 I received an interesting email (screen shot attached) from TurboTax telling me about an offer,

"NEW! Get 10% on top of your refund.
Use some (or all) of your federal refund to purchase an Amazon.com Gift Card** and TurboTax will tack on an extra 10%so $500 would become $550!"

https://turbotax.intuit.com/(On the website under "Get your maximum tax refund, guaranteed" scroll across and you will see 5% back towards Amazon gift cards)

I take it that existing customers are the only ones that can get the 10% based on what I found on the website there and what I also found when I put Amazon 10% into the search which is below.

"The Amazon.com Refund Bonus Program offers TurboTax customers the option to use part of their federal refund to purchase an Amazon.com Gift Card.
As an exclusive bonus, we'll add an extra 5% or 8% to the amount of your e-gift card, depending on the TurboTax product you've chosen.
If you're using Federal Free Edition* or Basic, you'll get an additional 5% bonus on the purchase amount of your e-gift card.
If you're using Deluxe, Premier, or Home & Business, you'll get an extra 8% bonus.
You can find almost anything on Amazon.com even groceries. This exclusive bonus is just another way TurboTax helps make your hard-earned dollars go even further this year. Its our gift to you. Enjoy!"


Fine Print from the email refers us to the Amazon website......forhttp://www.amazon.com/gp/help/customer/display.html?nodeId=3122091

I am unable to file my taxes until the end of the year, but I will update when I do. Good luck to you guys and hopefully new users will be able to get the 10% as well. It also looks like there is a 7.5% FatWallet CashBack for those of you who pay for a return and aren't in the great state of Texas, which has no state income tax. =)


Gifts Deals

TurboTax Coupons
USAA Auto Accident and SCAM?
Added on : Friday December 13th 2013 03:00:06 AM
g: -1 Posted By: ElephantNest
Views: 109 Replies: 6 I'll try to keep this short.

My employees were in an accident a couple of months ago, no injuries, other person's fault. Damage to my work truck was moderate. I call the other person's insurance (USAA) and file a claim. They tell me I can take the truck for a repair estimate to their approved repair shop (they have ONE out of 20+ in the area), a shop of my choice, or have someone from their company come out and estimate the damage. I agree to take it to their approved shop, since they are known locally for good repair work. They give me an estimate of ~$1300, which I felt was low from the moment they said it. I mentioned that, and they simply said if it ends up being more, we'll submit a supplement to USAA and they will pay for it.

This wasn't sitting well with me. I take it to the local GMC dealership, and they give me a repair estimate of $3600 to replace rear bumper, rear tail light, and repair and paint side of truck bed. He laughs at the $1300 estimate immediately. So I call USAA and inform them that I feel like they are trying to pull something over on me.....like funnel me into their one approved repair facility, then they give me an extremely low estimate so that I would: a) bring it to them and nowhere else since they're so "cheap", b) stop me from looking elsewhere for repairs c) stopping me from making an informed decision on if I want it repaired or not.

The truck is on '01 with fairly low miles, runs great, etc.

So I then call USAA to send in the other estimate. They tell me they ALREADY sent the $1300 check to the "approved repair company" even though I DID NOT approve it, accept their estimate, nor did I 'OK' the work, in any way, shape, or form. So after calming down, they assure me they can get the check back.....though the repair co. had already cashed it. So I have to wait for them to send USAA the $$ back, then wait for USAA to re-issue the check. I had to go over the original rep's head, because she rudely insisted that I cannot get a check sent to ME, only to repair companies. I told her this was BS because it was MY decision on if I even wanted to repair it or not. She just keeps talking louder, over my voice, won't let me speak, etc. I hang up on her, call back and demand a supervisor. The supervisor agrees to let me send in the new estimate, agrees to pay the difference, and sends out a check for $2300. Days after the woman I hung up on supposedly sent the $1300 check to me. So I get the $2300 check a few days ago, but NOT the $1300 one. They say it must have gotten lost in the mail, yeah, right.

Is this worth making a big stink over? I honestly feel that the repair shop knows exactly what they're doing. They give the ridiculously low bid to get them in, then submit their supplements, which USAA already told me they always pay.....so what incentive does the repair shop have to give anything BUT under-inflated estimates?? It gets people in the door, then they still get the $3600 or whatever they would "suddenly find" once there that would cost more than their $1300 original estimate. Like I mentioned before, the cost is so low one almost doesn't even consider NOT having the repairs done......

So I still have yet to receive the $1300 check, and this whole thing has left a terrible taste in my mouth about they way USAA and (more importantly) the repair shop does business. Though I think they know what the other is up to. I asked USAA for the records on the percentage of "supplements" the repair shop has submitted, and they don't keep those records, so they say.

Assuming I get the $1300 check in the next few days, should I do anything? Contact attorney to request repair records related to USAA and this particular shop? Let it go? Just fuming over the entire ordeal, and wonder how many others have been suckered into using their approved repair shops as requested by USAA.

Question Deals
Chefs Choice 1520 Knife Sharpener 135.99 at amazon.com
Added on : Friday December 13th 2013 12:00:04 AM
g: 0 Posted By: morning