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Grocery delivery services like PeaPod?
Added on : Monday September 15th 2014 04:00:15 PM
g: 0 Posted By: rifleman940
Views: 164 Replies: 1 Any FWFers regularly use a grocery delivery service? We have Peapod by Giant in our area that we just tried for the first time last week. My wife hates grocery shopping with our 1 year old child after work and I don't have the time to do the food shopping between work and house projects. We've only used it once so far to try it out but I'm wondering if any FWFers regularly have groceries delivered and whether you're satisfied with the service for the fee.

All things being equal, I'm happy with it for a $7 delivery fee on a $100 grocery bill. They even bring the groceries in the house. Prices varied from the local Giant supermarket...some higher, some lower, but I'd say the total amount of food was about the same as if we did a regular grocery trip. Another question is whether Amex recognizes Peapod as a grocery purchase?
Got rear ended, no citation issued
Added on : Saturday September 13th 2014 07:00:18 AM
g: 1 Posted By: DoctorDeals
Views: 842 Replies: 11 UPDATE: Other driver admitted fault to her insurance, so that potential problem is out of the way. Next up, whether it will be totaled.

I got hit hard from behind today on the way in to work. My bumper is cracked and there is a fairly sizeable dent so unfortunately, FWFers, it won't buff right out. Based on advice in thread after thread here, I thought it best to call the police right after the accident.

Even though the officer admitted it was 100% the other driver's fault, because the amount of damage was "low," he wasn't going to issue a citation, even though one was justifiable. This is the first way I think following other FWF advice (driving a reliable but 15 year vehicle with some other body damage, though none to the bumper) could hurt me.

The other strike against me for driving something old is that at best they will now just total the car for a couple hundred bucks which is not worth it to me at all (I'm guessing I don't get to keep the car in that situation). At worst, I'm concerned the lack of citation means the insurance companies view this as equally at fault, and I'm sunk as I don't have collision on the vehicle.

On top of all of this, I'm thinking the lack of citation means my rates are going to go up, as I was in an accident and no citation was issued; therefore, (in their eyes) I was equally at fault. This would likely eliminate all of the preferred driver discounts I have been enjoying for years.

Am I being too paranoid? Any tips on how I should play this? Any outside the box thoughts for how to handle this moving forward (as dangerous as that question could be around these parts )?

Thankfully (and certainly most importantly), no one was in need of immediate medical attention. So that was good.

Maybe this experience will finally help me convince the wife we needtwo dash cams for each vehicle.I'm sure if I had caught some texting, things would have played out differently.
Personal Finance Deals
g: 0 Posted By: remick
Views: 81 Replies: 0 http://www.amazon.com/gp/product/B00LU5ORUI/

Alignment - Law of Attraction and the Seven Universal Laws is a self-help book based on the Law of Attraction.

We create the circumstances of our lives moment-by-moment by being "who we are" in that moment. Your thoughts, decisions, actions, words, beliefs, and personal philosophies have brought you to this moment. Your actions and reactions, your thoughts and feelings have created your circumstances. To overcome these circumstances, you MUST change your thinking. You must unlearn what you have learned. Once you change your thinking, your life will begin to change. You will begin to feel the change. Your life will begin to take on wonderful new meaning. You will begin to attract all of the things your heart desires. This book was written to help you overcome your current obstacles, transcend fear and frustration, and help you to feel joy and happiness once again.
Books Deals

Amazon Coupons
g: 0 Posted By: Albacore
Views: 219 Replies: 0 http://www.amazon.com/Ultralight-Lightweight-Backpacking-Travelling-backpacks/dp/B00HEZ9V3Q/ref=sr_1_33?s=apparel&ie=UTF8&qid=1410572772&sr=1-33
LARGE! Ultralight Packable Backpack + Most Durable 25L Foldable Hiking Daypack / THE BEST Ultra Lightweight Outdoor Travel Camping Biking School Backpacking / Perfect for Men and Women + Light Weight Handy Folding Travelling backpacks 8 oz.+ 5 Year Warranty!

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LIGHT WEIGHT (8 oz.) and Roomy (25 Liter). Perfect for day trips, vacation, travel, day hikes, school, camping and shopping. 19*12*8 Inch
SMALL TILL YOU OPEN IT. Easy to folds up into small pocket (Sandwich size). You would LOVE that you can throw it in your suitcase, purse or car and have an extra bag without it taking up space. The Secret of Never Paying Overweight Baggage Fee!
COMFORTABLE TO CARRY. 20+ Years Experience makes the Most Comfortable Wide Breathable Mesh Shoulder Straps. Easy to Adjust the length and lock firmly. High quality SBS Two-way zipper goes smoothly.
KEEP THINGS ORGANIZED. Four zippered compartments. Main pocket is Large enough to carry what you need. Outer bigger pocket great for Ipad or Magazine. Outer smaller pocket great for quick access such as guide books and camera. Outer bigger pocket great for Ipad or Maginze. Inner zippered pocket which doubles as the storage pouch is perfect place for valuables such as cash, credit cards and passport. Two large side mesh pockets for water bottles or umbrella.



Sports & Outdoors Deals

Amazon Coupons
Business partnership ending and I got bad vibes, how to handle?
Added on : Friday September 12th 2014 03:00:08 PM
g: 0 Posted By: MightySlacker
Views: 70 Replies: 0 This is in the state of Ohio for reference. Some parts need to be left vague, but hopefully I can get in all pertinents.

A few years ago, my girlfriend and I decided to catering and concessions at a certain venue. It was a place I had worked 5 years before that and we did some unofficial food stuff for smaller events, and when the opening happened to take care of everything food related we took it. The management of the venue were friends and wanted to do a partnership, which appealed to use because we didn't have the capital to go all in by ourselves.

The management purchased the existing catering and concession equipment for X amount, for which we paid half (3 installments that year) and were to own half (we formed a LLC). Our agreement was that my girlfriend and I would get X per hour, and then split the profits at the end of each year. What ended up happening is that the venue ran a food "tab" for its workers which we kept track of, and then deducted that from the profits. 2 years out of the 4 the tab exceeded what their profits would be and money was sent our way.

This year, we moved because I got a job promotion and we decided we could not take care of the business at a level we were accustomed to providing. We jointly decided to try and lease the operations to some people and if they were able to handle it we would be bought out of our half. Unfortunately, the management was fired and replaced in a particularly nasty incident(s). I had talked to them afterwards and the response was just to sell everything.

I went to go look at things last weekend and did not like what I saw. Several items belonging to the business that were not stored with the concession stand(s)/truck(s) were gone, even a couple of propane tanks for one of the stands (which were locked) are gone. The management had pretty much taken everything of theirs not nailed down, but did not think that would include our items. There was a new temporary food person that had said he had briefly talked to previous management but was only interested in some of the equipment, not all of it. I have attempted to contact the previous management multiple times with absolutely no response. My spider sense is tingling.

I'm not really sure what my recourse should be to collect my "half" if things go south. The paperwork is all in the managements name, I just have a bill of sale and my checks whcih are clearly noted to be payments for half of the equipment. The management is in some hot water over multiple shady things that were uncovered, so my complaint would be a drop in the bucket. I don't think i can take them to small claims because they'd just hide behind the business name. I am friendly with the new venue management while the old management isnt even allowed on the property, so I guess I could pillage whats left or hold something for ransom, but I certainly think that would be a last resort kind of option. Any advice on how to proceed?


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

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

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

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

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

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

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

Thanks!

EDIT: I looked at SmartyPig. Seems to be the highest online savings account at 1% . Anyone with SmartyPig savings account? How reliable is the bank that SmartyPig stores its money in?
EDIT: I mean the Mango and Union Plus savings card rather.
Deposits Deals
g: 0 Posted By: DoctorDeals
Views: 149 Replies: 2 I got hit hard from behind today on the way in to work. My bumper is cracked and there is a fairly sizeable dent so unfortunately, FWFers, it won't buff right out. Based on advice in thread after thread here, I thought it best to call the police right after the accident.

Even though the officer admitted it was 100% the other driver's fault, because the amount of damage was "low," he wasn't going to issue a citation, even though one was justifiable. This is the first way I think following other FWF advice (driving a reliable but 15 year vehicle with some other body damage, though none to the bumper) could hurt me.

The other strike against me for driving something old is that at best they will now just total the car for a couple hundred bucks which is not worth it to me at all (I'm guessing I don't get to keep the car in that situation). At worst, I'm concerned the lack of citation means the insurance companies view this as equally at fault, and I'm sunk as I don't have collision on the vehicle.

On top of all of this, I'm thinking the lack of citation means my rates are going to go up, as I was in an accident and no citation was issued; therefore, (in their eyes) I was equally at fault. This would likely eliminate all of the preferred driver discounts I have been enjoying for years.

Am I being too paranoid? Any tips on how I should play this? Any outside the box thoughts for how to handle this moving forward (as dangerous as that question could be around these parts )?

Thankfully (and certainly most importantly), no one was in need of immediate medical attention. So that was good.

Maybe this experience will finally help me convince the wife we needtwo dash cams for each vehicle. I'm sure if I had caught some texting, things would have played out differently.
Personal Finance Deals
g: 0 Posted By: ctgolfer
Views: 147 Replies: 0 use promo code: xfmI1jK2

Each order is for 8 sets of Earbuds of your choice color
Unique animal print design
Compatible with most home and portable electronic devices
Built-in microphone & remote for smartphones
Unique reverse match design colors
Take calls while listening to music
Extra ear tips for comfort
Dynamic earbud design
Brand New Retail

www.shnoop.com
Headphones & Speakers Deals

Shnoop.com Coupons
NASA FCU - Adveristing 0% down / No PMI mortgages
Added on : Thursday September 11th 2014 04:00:17 PM
g: 1 Posted By: Logan71
Views: 123 Replies: 6 I heard this on the radio on the way home, and then checked out their website a short while ago.

Their blurb...

NASA FCU can help. Our $0 DOWN fixed-rate mortgage doesnt require Private Mortgage Insurance (PMI). This is unique because conventional lenders will require PMI when your down payment is less than 20% of the home purchase. So, now you can concentrate on the things you need for your new home instead of a down payment.

I would think there's some legitimacy to NASA FCU, in the same vein as Navy FCU or PenFed, but I dont know - I'm only posting this 'claim' as it sounds attractive, at least on the surface, for someone trying to refi out of PMI. As they say, the devil is in the details...

Link
Discussion Deals
Navy FCU - Adveristing 0% down / No PMI mortgages
Added on : Thursday September 11th 2014 03:00:19 PM
g: 0 Posted By: Logan71
Views: 1 Replies: 0 I heard this on the radio on the way home, and then checked out their website a short while ago.

Their blurb...

NASA FCU can help. Our $0 DOWN fixed-rate mortgage doesnt require Private Mortgage Insurance (PMI). This is unique because conventional lenders will require PMI when your down payment is less than 20% of the home purchase. So, now you can concentrate on the things you need for your new home instead of a down payment.

I would think there's some legitimacy to NASA FCU, in the same vein as Navy FCU or PenFed, but I dont know - I'm only posting this 'claim' as it sounds attractive, at least on the surface, for someone trying to refi out of PMI. Ask they say, the devil is in the details...

Link
When to cut back (or cut out) routine maintenance on a car
Added on : Wednesday September 10th 2014 03:00:25 PM
g: 0 Posted By: timothytuxedo
Views: 170 Replies: 3 At what point does it make more financial sense to save the money that you would otherwise use on routine maintenance for a car?

For example: I drive a 1998 Honda Civic with 160,000 miles. It has some significant body damage and the transmission is loud (has been for years) but shifts fine. The interior is fairly well worn. It's not very pretty but it works for me. I could probably get $500-1000 for it. It's worth more than than that to me and I'm looking to drive it into the ground. I was following the suggested maintenance intervals for everything until a couple of years ago. Since then I've gotten the oil changed at regular intervals, but that's about it. I've had things repaired as they break, but not done the recommended transmission flushes, spark plug changes, etc.

It burns about a quart of oil every 1000 miles or so and I'm considering maybe even cutting back on the oil changes.

Does anyone have rules of thumb on what regular maintenance makes the most financial sense as a car's value approaches zero?
Question Deals
Amazon Payments eliminates person-to-person payments - panic?
Added on : Wednesday September 10th 2014 11:00:17 AM
g: 5 Posted By: cpaynter
Views: 92 Replies: 1 Is this the end of the CC->cash gravy train?

Just got this email from Amazon (emphasis mine).

Subject:Amazon Payments: Annual Notice
Sent: Wed, Sep 10, 2014 03:43 PM
Greetings from Amazon Payments:

Each year we send out a notice to every person who has an active Amazon Payments account.

...blah, blah, blah...

Additionally, we have updated the terms and conditions of our User Agreement (https://paym
ents.Amazon.com/help/Personal-Accounts/User-Agreement-Policies/User-Agreement) that apply
to your use of the products and services provided by Amazon Payments. Our updated User
Agreement revises certain terms (including, among other things, the elimination of
person-to-person payments). Our new User Agreement will become effective on October 13,
2014, which is more than 30 days from when we first posted our updated User Agreement.
By continuing to use our services after October 13, 2014, you are agreeing to be bound by
the terms and conditions of our new User Agreement.


Discussion Deals
Does FW Finance need a Disaster Recovery Plan?
Added on : Wednesday September 10th 2014 06:00:18 AM
g: 0 Posted By: BADADVICE
Views: 156 Replies: 3 If Fatwallet or the Finance forum disappeared tomorrow, what would happen? While there are no signs of anything like this happening either now or down the road, the loss of this community and all its archived information would be the end of a one of a kind resource for many of us. One of the great things about FWF is that the community is still small enough to recognize individual users and know their background (e.g. know who is a lawyer, RE investor, heavy hitter, etc).

If it disappeared, would you be okay with throwing in the towel and saying "I'm sad to see it go"? Or would you want to have a place or plan to regroup with former members?
Also, a lot of rare information contained in the posts here would be gone forever. Sure, there are FWF snapshots on archive.org, but the page indexing there is spotty at best, and not searchable. Should we archive some of the threads on our own?

I'd like to have a place to discuss what would happen in the event we lose this community.


Discussion Deals
Smith Aura Polarized Sunglasses White/Blue - $53.79 Fs @ Backcountry
Added on : Wednesday September 10th 2014 06:00:09 AM
g: 0 Posted By: tedhawkins
Views: 197 Replies: 0 Smith Aura Polarized Sunglasses White/Blue - $53.79 Fs @ Backcountry

http://www.backcountry.com/smith-aura-sunglasses-polarized

One time-traveling trip back to the '70s, and you'll discover the inspiration for the wild prints inside the lightweight frame of the Smith Polarized Aura Sunglasses. With a shape borrowed from the square-framed hipster shades of the '80s, the Aura softens things up a little bit with vibrant colors and smooth lines. Pick a tasty-looking point break, stare out into the ocean on a sunny day, and revel in the polarized lenses and TLT optics that make view pop without distortion or glare.

Lightweight, optically-precise TLT lenses adapt to high or low amounts of UV light to provide just the right tint for the situation
Anti-reflective and hydrophobic lens coating keeps your lenses pristine by resisting
Evolve frames utilize Smith's Rislan bio-based material, which is sustainably produced and less harmful on the environment than conventional sunglass materials
Spring hinges cradle your temples for a secure fit that won't squeeze your head
See sizing chart for lens color explanations


Sunglasses Deals

Backcountry.com Coupons
Cabela's Seclusion 3D iPad Case on Sale 9/10-9/21/2014 on Sale $ 23.99
Added on : Tuesday September 09th 2014 02:00:02 AM
g: 0 Posted By: Redmaggie
Views: 230 Replies: 0 New Catalog. 9/10/2014 - 9/21//2014

I am starting my Christmas Shopping now. I thought this would be a nice gift for my husband. There is companion Seclusion 3D Wallet Collection,Purchasing a few things to bump up to the $49 sale for free shipping.

Cabela's Adjustable Seclusion 3D iPad Case

Three-position flip stand delivers hands-free viewing
Magnetic on/off cover allows tablet to sleep when closed
Fits iPad 2 and 3
Give your iPad the Cabelas treatment. Fits iPad 2 and 3, and similar-sized tablets. Padded for protection. Three-position flip stand allows you to get the perfect angle for comfortable hands-free viewing. Magnetic on/off cover allows tablet to sleep when closed and wake-up when open. Imported.
Dimensions: 10-1/8L x 7-7/8"W x 3/4D.
Camo pattern: Seclusion 3D.

iPads Deals

Cabela's Coupons
g: 0 Posted By: ctgolfer
Views: 160 Replies: 0 AMD A4-5000 accelerated processor
Quad-core processing. AMD Quad-Core A4 APU handles the AMD Radeon graphics alongside the central processor to balance the load, enabling smooth, fast Internet browsing and fast, responsive performance.
6GB system memory for dependable multitasking
Sufficient high-bandwidth RAM to smoothly run multiple applications and browser tabs all at once.
SuperMulti DVD/CD burner
Reads and writes to a wide variety of media formats, including DVD+R/RW, DVD-R/RW, CD-R/RW and DVD-RAM.
1TB hard drive for ample file storage space
Holds a significant collection of digital photos, music, HD videos and DVD-quality movies. 7200 rpm spindle speed enables rapid read/write times for handling large files and complex applications.
Cloud support lets you access your files anywhere
Store your photos, videos, documents and other files on Box for secure access across multiple devices. Fees may apply.
Compact design adds less bulk to your desk
Tower measures just over 4" wide, so it fits into smaller workspaces.
Built-in media reader for simple photo transfer
Supports Secure Digital, Secure Digital High Capacity, SDXC, Memory Stick, Memory Stick Select, Memory Stick PRO and Memory Stick MagicGate formats.
2 USB 3.0 ports maximize the latest high-speed devices
Also includes 4 USB 2.0 ports to connect more accessories and peripherals. The USB 3.0 ports are backward-compatible with USB 2.0 devices (at 2.0 speeds).
Wireless and wired network connectivity
Built-in high-speed wireless LAN connects to your network on the most common Wi-Fi standards. Fast Ethernet LAN port plugs into wired networks.
Windows 8.1 operating system
Customize your new Start screen with instant access to the things you care about most, or restore the familiar Windows desktop experience with an improved taskbar and streamlined file management.
Multimedia software package included
CyberLink PowerDVD, PhotoDirector and PowerDirector. DTS Sound+.
DTS Sound support
Creates a virtual surround sound experience for your music, movies, streaming Web content and games. (Speakers sold separately.)
Multidisplay capability
Connect the usual single monitor, or add a second monitor to double your viewing space for work and games. (Monitors sold separately.)
Additional ports
Microphone input. Headphone output. DVI-D port. VGA port.

www.bestbuy.com/site/hp-pavilion-slimline-desktop-amd-a4-series-...
HP Deals

Best Buy Coupons
Some Additional Free Kindle Books
Added on : Sunday September 07th 2014 06:00:04 AM
g: 0 Posted By: remick
Views: 156 Replies: 0 How to do things
http://www.amazon.com/gp/product/B00IW7864K


America Landscapes: Photos of America
http://www.amazon.com/gp/product/B00NBZSFQ2


Mashitta! A Collection of Simple South Korean Recipes
http://www.amazon.com/gp/product/B00AUZ3LNI


Bacon: A Cookbook
http://www.amazon.com/dp/B00E9ATDSW/


Sandwich Ideas Cookbook. 75 Delicious Sandwich Recipes With Easy To Find Ingredients
http://www.amazon.com/dp/B00EJCMGUW


Anne Rice The Interviews: A Compilation of Interviews with the iconic Author on everything from the writing process to her extraordinary life
http://www.amazon.com/gp/product/B00MSDH1JA


100 Chess Puzzles from Troms: Tactics from the 2014 Chess Olympiad
http://www.amazon.com/gp/product/B00N976CQC


Last Plane Out of Saigon
http://www.amazon.com/gp/product/B00IQ94O1S


A Guide to Practical Astronomy And More
http://www.amazon.com/gp/product/B00M6FU8EA


19 Fall Craft Ideas For Kids: Inspiration From The Nation's Most Creative Blogs
http://www.amazon.com/Fall-Craft-Ideas-For-Kids-ebook/dp/B009GSW...
Totally Free Deals
RK2811K2 Rockwell 18V Compack Drill/Driver $60 FS Rockwell via Ebay
Added on : Saturday September 06th 2014 11:00:04 PM
g: 0 Posted By: tedhawkins
Views: 130 Replies: 0 RK2811K2 Rockwell 18V Compack Drill/Driver FS Rockwell via eBay

http://www.ebay.com/itm/RK2811K2-Rockwell-18V-Compack-Drill-Driv...

The Rockwell RK2811K2 1/2-Inch 18-Volt Compack Drill/Driver utilizes Supercell battery technology for long-lasting, lightweight power. Weighing just 1.8 pounds, this battery pack balances the weight of the battery directly under your hand to increase comfort, reduce fatigue, and improve the tool's handling. Ideal for heavy-duty professional jobs, this drill/driver gives you the edge you need to get things done--fast.

445 In./Lbs. of Torque
At just 5.1 pounds, the RK2811K2 packs a powerful punch for a variety of applications, yet is lightweight enough for all-day handling that won't stress wrists and arms. Its dual-speed gear box expertly handles different materials, and 24 torque settings with 445 in./lbs. of torque drill one and one-half inches in wood and a half-inch in steel. To ensure safety and precision, a sight light keeps the workpiece clearly visible at all times, while the spindle includes an auto lock.

Power and Control
To help match the correct speed to the job, the RK2811K2 offers high and low speed gears and a variable speed range of 0-350/0-1300 rpm. It also features a half-inch single-sleeve metal chuck for durability, and a soft grip handle for extended comfort and control.

RK2811K2 1/2-Inch 18-Volt
Compack Drill/Driver
At a Glance:

Replacement batteries free for the life of the tool
Utilizes Compack battery technology for long-lasting, lightweight power
Well-balanced design for improved handling
24 torque settings with 445 in./lbs. of torque
Sight light keeps workpiece clearly visible
High and low gears with variable speed (0-350/0-1300 rpm)
Tools Deals

eBay Coupons
g: 0 Posted By: ctgolfer
Views: 231 Replies: 0 shipping adds $5


Get reliable performance from the AMD A6-5200 2.0GHz quad-core accelerated processor
15.6" HD BrightView LED-backlit Touchscreen display with 1366 x 768 resolution showcases movies and games in stunning clarity
4GB DDR3L memory - For multitasking power
750GB SATA hard drive has plenty of space to store your digital albums, music library and rich media files
USB 3.0 has transmission speeds of up to 5 Gbit/s, which is 10 times faster than USB 2.0
Enhanced viewing with the integrated AMD Radeon HD 8400 graphics with up to 2029MB total graphics memory
SuperMulti DVD burner - watch movies on your computer; read and write CDs and DVDs in multiple formats
Connect to a broadband modem or router with wired Ethernet, or wirelessly connect to a Wi-Fi signal or hotspot with the built-in 802.11b/g/n wireless connection
Easily link with other Bluetooth-enabled devices, such as a mobile phone or MP3s players
Windows 8.1 makes the things you do every day easier



http://computers.woot.com/offers/hp-pavilion-15-6-quad-core-touc...
Laptops Deals

woot! Coupons
g: 0 Posted By: BeanTech
Views: 36 Replies: 0 Craftsman 26 in. 4-Drawer Heavy-Duty Ball Bearing Rolling Cabinet - Black $69.99 (reg $305.99)

Cheapest price I have seen on this cabinet. I posted a deal on a similar cabinet back in Feb for $139, which was a good deal at the time.
I'm a bit confused as to why this one is so cheap. There is an almost identical model, as far as I can tell,here for $259.99 (reg $322.99).
I can't really tell the difference between the two, except for minor cosmetic things (wheels, etc...).

I haven't checked yet to see if I can pair this up with a good deal on a middle and top piece.
Tools Deals

Sears Coupons
Car Accident: other part at-fault, neither insurance company is helping
Added on : Thursday September 04th 2014 07:00:06 PM
g: 0 Posted By: kiwistar
Views: 63 Replies: 0 This was posted attheend of another topic and did not get any responses:

Hello FWF community, I need your help and advice on my accident.

The accident happened on Labor Day afternoon, I was driving my CRV on a local road under speed limit and was arriving at an intersection, where a Ford (1st car) stalled while the light was green. I stopped my car (2nd car) in time, a PT cruiser (3rd car) following me I rear ended my car, the impact ofcollisionpushed my car into the Ford in front, causingadditionaldamage on my front bumper and Ford's rear bumper. I called 911 since mydaughterwas riding at the back,dispatcheroriginallyrefused to send the police since no one was seriously hurt, but two police cars stopped by and a police report was filed and will likely beavailablein 2-3 weeks. Police told me most likely the drive of PT cruiser is at fault and the driver of 1st car testified my car did not hit his car before the impact ofcollision. I reported the accident tomyinsurancecompany (Ameriprise) thesame day and and provided them with 3rd car's insurancewhich is Farmers. Unfortunately, I don't have rental coverage through Ameriprise, aftertalkingwith my representativeTuesday, he told me to contact Farmers for rental. Inthemeantime, my car wastowedto Body Shopdesignatedby Ameriprise for estimate. I called Farmers and got the claim No. and contact of adjuster. I called adjuster several times and his supervisor, but no one called me back. Today I called again and reachedadjuster, he told methedrive of Ford already contacted them and sent themthepictures, based on these pictures my car is likelyTotaled, he mentioned a low number from KBB which I did not accept, he alsomentionedthe amount oftotalcoverage may not cover the expenses of both cars. I asked about the rental expense, he said he need to get all the information before approve it, Then he tried to interview me before my permission, I stopped him and tell him police report has all the information. He told me that this will slow downtheclaim. I said I couldn't get by without a car andl will get my rental car regardless hisapproval. I got anenterprise car with my own credit card and Farmers' pending claim number today. For the whole process, I feel like both neither company is moving since Ameriprise has not contacted Farmers yet. Here are my questions:
1. Do I need to call Farmers back for my side of story to make things move faster? what are the potential downsides?
2. Am I too impatient, what is the risk I have to pay rental myself ? How much can I trust what police told me ?
3. How do I get my company help me in dealing with Farmers ?
4. What are the next steps?

A new twist: Ameriprise finally called me back, told me State Farm wouldn't admit 100% fault, I had tointerrupthim that the other insurance is Farmers

Sorry for the long post,I would greatly appreciate if you can provide your valuable advise/inpu, thank you in advance.
Question Deals
rent free home. should I do it
Added on : Wednesday September 03rd 2014 10:00:10 PM
g: 0 Posted By: jblake86
Views: 37 Replies: 1 Currently my wife and I rent the house we are in. It costs us 1k per month in rent. A family member just purchased some land that also had a house on it. It needs interior work ( floors, cabinets, kitchen, furnace, new electrical). You get the idea. This family member approached me and my wife about living in this house rent free if I complete everything inside. They would cover the large things. Electric hvac roof etc and we would be responsible for everything else. This is intriguing because we could put 10-20 K into it and have a place to live rent free for 10 years or more. Does anyone have any gotchas I am not thinking about?
Question Deals
SmartThings Know Your Home Kit - $199.99 w/ P/U @ Sears
Added on : Wednesday September 03rd 2014 09:00:03 AM
g: 0 Posted By: luv2shop80
Views: 198 Replies: 0 Sears has theSmartThings Know Your Home Kitfor$199.99with In-Store Pickup.

Devices that Allow Notifications to be Sent to Smartphone When Events Occur
Includes: Hub, Multi Sensor, Presence Sensor, and Motion Sensor
Lets You Know When People, Cars, or Pets Come and Go
Helps You Find Your Keys
Notifications To When Doors and Windows Unexpectedly Open

Electronics Deals

Sears Coupons
g: 0 Posted By: ctgolfer
Views: 67 Replies: 0 With enough bits to do most anything you need to do around the house, the Craftsman 54 pc driving set is one of the best things to happen to a drill since it went cordless
1/4 inch Speed-Lok quick connector allows one-handed tool changes and helps prevent the bits from slipping in the drill
The set includes a magnetic bit holder, 33 assorted 1-inch insert bits, nine assorted 2-inch power bits, three 3-inch power bits and seven assorted nut setters
Made of high speed steel
A compact molded case helps keep everything together
Weighs 1.6 pounds


www.sears.com/craftsman-54pc-power-driving-set/p-00926393000P
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Diablo III or Dialo III: Reaper of Souls - PC $19.99 @ GameStop
Added on : Wednesday September 03rd 2014 08:00:03 AM
g: 0 Posted By: ctgolfer
Views: 63 Replies: 0 Diablo III

Explore fully realized realms of Sanctuary - the living, breathing gothic fantasy world of Diablo III - rendered in gorgeous 3D.
Battle the unholy forces of the Burning Hells with all-new character classes such as the otherworldly Witch Doctor, or with re-imagined warriors from Diablo's past, like the powerful Barbarian.
Rain Hell on your enemies and use the interactive environment as a weapon: lay cunning traps, turn destructible objects against your foes, and use environmental obstacles to your advantage - all powered by the Havok physics system.
Experience the intensity of multiplayer Diablo III over an all-new, wickedly enhanced Battle.net platform with numerous enhancements to make connecting with your friends easier, and cooperative gameplay more fun.
www.gamestop.com/pc/games/diablo-iii/76157

Diablo III: Reaper of Souls

Product Details:
NO ONE CAN STOP DEATH The Prime Evil rages within the Black Soulstone, its essence screaming for vengeance and release. Before the artifact can be sealed away forever, Malthael - the Angel of Death - manifests in the mortal realms with a deadly new purpose: to steal the Black Soulstone and bend its infernal power to his will. So begins the end of all things...
www.gamestop.com/pc/games/diablo-iii-reaper-of-souls/113384
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g: 0 Posted By: vvasireddy
Views: 73 Replies: 1 I am currently an NRI working in USA. I got enrolled in to an LIC policy called Jeevan Tarang during my last trip to India. I love this policy as it provides security to my family, bonus at maturity and also helps during my retirement through survival benefits which pays yearly 5.5% of the sum insured after maturity.

I am now planning to become a permanent resident here in USA, may be a citizen of US in the future. Considering I am a permanent resident/Citizen of USA at the time of LIC policy maturity, would I still be able to get thebonus atmaturity? Would I be eligible to enjoy the yearly survival benefits of this policy?

I asked the same questions to the LIC representative over phone few days back and she said "Yes" for both my questions. I am still concerned if LIC would give me hard time in terms of any documentation or any other things I may not be aware of or any change in rules/terms that may stop me from getting benefited from the LIC maturity and survival benefits.

I hate to surrender the policy now as I would lose the two premiums I paid so far, at the same time I don't want to pay future premiums if I see any possibility of not being able to get the benefits in the future.

I see some uncertainty in my case and like to know from this forum if any of you went through/seen similar scenarios. Any advice is appreciated.

Thanks
VJ
Personal Finance Deals
1-yr. MacWorld Magazine Subscription - $7.50 AC @ DiscountMags
Added on : Wednesday September 03rd 2014 12:00:04 AM
g: 0 Posted By: st4rdust
Views: 151 Replies: 0 DiscountMags has a1-yr. MacWorld Magazine Subscriptionon sale for $21.97 - coupon code "FATWALLET" =$7.50. Shipping is free.


"Stay on top of today's fast-changing Apple technology with Macworld magazine! Macworld is the ultimate resource for savvy users of Apple products. Every issue is filled with authoritative news, analysis, and tips about all things Apple -- Mac, iPhone, iPad, and beyond! Best of all, Macworld brings you the most trusted product reviews, from Apple hardware to accessories to the very best apps. Make the most of your iPhone. Get work done on your iPad. Shoot videos with pizzazz. Print gorgeous digital photos. Make the most of your Apple products with Macworld!"
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Car Damaged By Locksmith *YES...pics included*
Added on : Tuesday September 02nd 2014 06:00:09 AM
g: 0 Posted By: KYBOSH
Views: 156 Replies: 3 The front pillar and roof rail of my sister's Prius was damaged by a locksmith as they attempted to unlock her car.
Her battery died while she was out and she left her keys in the car. Normally the car knows when the keys are in the cabin and will not lock the driver out. But the battery died and when this occurs the car automatically locks (so I am told).

She called for roadside service and I was shocked to see the aftermath.

The pillar along the passenger's side door has 3 VERY noticeable dents in it. The top of the door itself is no longer flush as well.

I have had a locksmith get my locked keys out once or twice but have never seen that kind of damage to the pillar. Needless to say that aint gonna buff right out.



I'm getting all the details from her about the locksmith (whether it was contractor from AAA or her insurance company) and will update this post as soon as I hear back from her today.

I doubt my sister raised hell on the guy at the time but I don't think we can/should let this one slide without a fight.
Has anyone had any experience with things like this?

I'm getting all the details from her about the locksmith (whether it was contractor from AAA or her insurance company) and will update this post as soon as I hear back from her today.



Personal Finance Deals
g: 0 Posted By: ctgolfer
Views: 97 Replies: 0 shipping adds $5

Choose from 2 colors

Includes StabiliBar TV Wall Brace (inset)
Frosted tempered glass top
Family-friendly rounded corners and edges
3-in-1 mount allows TV to be placed
- Directly on stand
- Mounted to stand
- Mounted to wall
Wire management keeps things organized
Constructed of hardwood solids and composite wood panels
Hand painted finish applied in 6-step process with durable top coat
Jeweled hardware and frosted, tempered glass
Most shelves and open storage cubbies accommodate Kathy Ireland Office By Bush Furniture accessory storage bins.
Features Bush Furniture's Quick-to- Assemble(TM) technology for dramatically reduced assembly time.

http://home.woot.com/offers/3-in-1-gaming-center-tv-stand-2-colo...
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g: 0 Posted By: ctgolfer
Views: 184 Replies: 0 Specifications:

Connectivity technology: Wired
Sound mode: Stereo
Features: Lightweight, noise Isolation
Form factor: In-ear
Earpiece design: Ear bud, Earpiece type: Binaural, Impedance: 16 Ohm
Frequency response: 20Hz - 22KHz
Host interface: Mini-phone, Microphone design: On-cable
Earset has earpiece sensitivity of about 100 dB
10mm driver
Neodymium magnet

www.blingdaily.com
Headphones & Speakers Deals
g: 1 Posted By: microdvd
Views: 124 Replies: 2 Living Social : Dallas Area : Retro Futura Tour @ Verizon Theatre :Sept 8 at 7:30pm :Thompson Twins' Tom Bailey, Howard Jones, Midge Ure & More (52% Off)https://www.livingsocial.com/events/1238602-two-tickets-to-retro-futura-tour

Two Tickets to Retro Futura Tour
Verizon Theatre at Grand Prairie Grand Prairie, TX
Monday, September 8, 2014 - 7:30PM

Doors Open: 6:30PM

AEG Live presents
Thompson Twins' Tom Bailey & Howard Jones
with Ultravox's Midge Ure, China Crisis, Katrina (ex-Katrina & The Waves)

what you get:Two Tickets

Choose from the following offers:
$45 for two 300-level side tickets
$50 for two 200-level side tickets

Lineup: Thompson Twins' Tom Bailey, Howard Jones, Ultravox's Midge Ure, China Crisis, and Katrina (ex-Katrina & The Waves)
Hear All the Hits!
Everything old is new again at the Retro Futura Tour, a one-night-only concert hitting Verizon Theatre at Grand Prairie on
Monday, September 8. Thompson Twins' Tom Bailey will play all the Thompson Twins hits like
"King for a Day", "Doctor! Doctor!", "LIES", "You Take Me Up" and "Hold Me Now" live for the first time in 27 years
-- joining him are acts including Howard Jones, Ultravox's Midge Ure, China Crisis, and Katrina (ex-Katrina & The Waves).
As these acclaimed artists take the stage to perform their greatest hits, you'll be transported back in time to re-live all those old memories.

Find out more about the Retro Futura Tour
http://www.axs.com/events/252642/thompson-twins-tom-bailey-howar...Go back to the future this summer and experience all the moody synths, lush guitars and gravity-defying hairdos of the '80s best new wave artists.
The Retro Futura Tour brings together the top synth-pop bands and performers of the Reagan era --
including the Thompson Twins' Tom Bailey, Howard Jones, Ultravox singer Midge Ure, China Crisis and Katrina of Katrina and the Waves --
for one incredible concert. From Thompson Twins' "Hold Me Now" to Howard Jones' "Things Can Only Get Better,"
Ultravox's "Dancing With Tears in My Eyes" to China Crisis' "Wishful Thinking,"
this fun summertime concert is like a live Memorex mix-tape of your favorite hits of the '80s and beyond.

Retro Futura Tour 2014What it is: a gathering of some of the most popular British new-wave musicians from the 1980s
How you remember Tom Bailey: as the bassist and vocalist of the Thompson Twins, whose super-hits include "In the Name of Love," "Lies," "Doctor! Doctor!" "Lay your Hands On Me," "King For A Day," and "Hold Me Now"
How you remember Howard Jones: from his double-platinum album Human's Lib
Jones' Hollywood connection: his song "Like to Get to Know You Well" soundtracked John Cusack fixing his Camaro in the surreal '80s comedy Better Off Dead
How Ultravox's Midge Ure describes their hit "Vienna": "We wanted to take the song and make it incredibly pompous in the middle, leaving it very sparse before and after, but finishing with a typically over-the top classical ending. The whole thing was a bit tongue in cheek."
Evidence the public might not have picked up on the joke: the single rocketed to the number-two spot, and was later named by Radio 2 to be Britain's favorite song to ever halt at the runner-up spot
China Crisis's claim to fame: the hit single "Wishful Thinking"
How Katrina Leskanich of Katrina and The Waves improved the '80s and water-park lines everywhere: by lending her vocals to "Walking on Sunshine"

http://thompsontwinstombailey.com/
http://howardjones.com/

http://www.retrofuturatour.com/

REFUND POLICY: This event is nonrefundable. No full or partial refunds are given to customers who miss an event.
In the event of a cancellation, your voucher will be fully refunded
The deal is valid on event date only
Groups wishing to sit together must have one person purchase all tickets in one transaction
Purchaser must pick up ticket(s) at Will Call prior to show
Purchaser may change the name of the individual retrieving tickets up to 48 hours in advance of event via the LivingSocial website event details section;
no name-changes or alternate pick-ups permitted without notice at venue
Event is rain or shine
LivingSocial is pleased to offer you the opportunity to purchase this deal to be fulfilled by the entity indicated on the voucher
and/or by Anschutz Entertainment Group, Inc., its subsidiaries and affiliates ("AEG").
By purchasing this deal, you agree that your name, email, zip code and other information related to the deal you purchased will be used
by LivingSocial as well as provided by LivingSocial to AEG and/or the entity indicated on the voucher to assist in fulfilling the deal
you purchased and, subject to LivingSocial's privacy policy [ LivingSocial.com/privacy_policy] as well
Restaurants & Entertainment Deals

LivingSocial Coupons
g: 0 Posted By: microdvd
Views: 55 Replies: 0 Goldstar: Tempe, AZ : Retro Futura Tour @ Marquee Sep 3 : Thompson Twins' Tom Bailey, Howard Jones, Midge Ure & More (50% Off)Marquee Theatre, (730 N. Mill Avenue Tempe, AZ 85281)
Wednesday September 3, 2014 / 7:00pm

https://www.goldstar.com/events/tempe-az/retro-futura-tour-2014

General Admission (Standing Event)
Goldstar Price $29 ($23.25 + $5.75)
(Reg. Full Price: $46.50 + fees)

Witness the triumphant return of Tom Bailey to the stage after an absence of 27 years !!!!
Previous audiences have been blown away by this concert experience....

Go back to the future this summer and experience all the moody synths, lush guitars and gravity-defying hairdos of the '80s best new wave artists.
The Retro Futura Tour brings together the top synth-pop bands and performers of the Reagan era --
including the Thompson Twins' Tom Bailey, Howard Jones, Ultravox singer Midge Ure, China Crisis and Katrina of Katrina and the Waves --
for one incredible concert. From Thompson Twins' "Hold Me Now" to Howard Jones' "Things Can Only Get Better,"
Ultravox's "Dancing With Tears in My Eyes" to China Crisis' "Wishful Thinking," this fun summertime concert
is like a live Memorex mix-tape of your favorite hits of the '80s and beyond.


Retro Futura Tour 2014

What it is: a gathering of some of the most popular British new-wave musicians from the 1980s
How you remember Tom Bailey: as the bassist and vocalist of the Thompson Twins, whose super-hits include "In the Name of Love," "Lies,"and "Hold Me Now"
How you remember Howard Jones: from his double-platinum album Human's Lib
Jones' Hollywood connection: his song "Like to Get to Know You Well" soundtracked John Cusack fixing his Camaro in the surreal '80s comedy Better Off Dead
How Ultravox's Midge Ure describes their hit "Vienna": "We wanted to take the song and make it incredibly pompous in the middle, leaving it very sparse before and after, but finishing with a typically over-the top classical ending.
The whole thing was a bit tongue in cheek."
Evidence the public might not have picked up on the joke: the single rocketed to the number-two spot, and was later named by Radio 2 to be Britain's favorite song to ever halt at the runner-up spot
China Crisis's claim to fame: the hit single "Wishful Thinking"
How Katrina Leskanich of Katrina and The Waves improved the '80s and water-park lines everywhere: by lending her vocals to "Walking on Sunshine"


http://thompsontwins.co.uk/
http://howardjones.com/

http://www.retrofuturatour.com/
g: 0 Posted By: microdvd
Views: 172 Replies: 0 Groupon: Orlando: Retro Futura Tour @ Hard Rock Live :Sept 10 at 8pm :Thompson Twins' Tom Bailey, Howard Jones & More (Up to 60% Off)

http://www.groupon.com/deals/gl-victoria-justice-the-here-s-2-us...

The Deal
One G-Pass deal to see the Retro Futura Tour 2014
When: Wednesday, September 10, at 8 p.m.
Where: Hard Rock Live Orlando
Door time: 7 p.m.

Ticket values include all fees.

Seating Options
$15 for general-admission standing (up to $37.15 value)
$22.50 for reserved floor seating (up to $45.35 value)

Click to view the seating chart: http://www.ticketmaster.com/retro-futura-tour-2014-orlando-flori...

How G-Pass Works: Your G-Pass will be ready to print 48 hours after the deal ends.
Print the G-Pass and use it to enter the venue directly; you won't need to redeem at will call.
Due to security restrictions, G-Passes cannot be redeemed through the Groupon mobile app.
Discount reflects the merchant's current ticket prices - price may differ on day of event.

Go back to the future this summer and experience all the moody synths, lush guitars and gravity-defying hairdos of the '80s best new wave artists.
The Retro Futura Tour brings together the top synth-pop bands and performers of the Reagan era --
including the Thompson Twins' Tom Bailey, Howard Jones, Ultravox singer Midge Ure, China Crisis and Katrina of Katrina and the Waves --
for one incredible concert. From Thompson Twins' "Hold Me Now" to Howard Jones' "Things Can Only Get Better,"
Ultravox's "Dancing With Tears in My Eyes" to China Crisis' "Wishful Thinking,"
this fun summertime concert is like a live Memorex mix-tape of your favorite hits of the '80s and beyond.


Retro Futura Tour 2014

What it is: a gathering of some of the most popular British new-wave musicians from the 1980s
How you remember Tom Bailey: as the bassist and vocalist of the Thompson Twins, whose super-hits include "In the Name of Love," "Lies," "Doctor! Doctor!" "Lay your Hands On Me," "King For A Day," and "Hold Me Now"
How you remember Howard Jones: from his double-platinum album Human's Lib
Jones' Hollywood connection: his song "Like to Get to Know You Well" soundtracked John Cusack fixing his Camaro in the surreal '80s comedy Better Off Dead
How Ultravox's Midge Ure describes their hit "Vienna": "We wanted to take the song and make it incredibly pompous in the middle, leaving it very sparse before and after, but finishing with a typically over-the top classical ending. The whole thing was a bit tongue in cheek."
Evidence the public might not have picked up on the joke: the single rocketed to the number-two spot, and was later named by Radio 2 to be Britain's favorite song to ever halt at the runner-up spot
China Crisis's claim to fame: the hit single "Wishful Thinking"
How Katrina Leskanich of Katrina and The Waves improved the '80s and water-park lines everywhere: by lending her vocals to "Walking on Sunshine"


http://thompsontwins.co.uk/
http://howardjones.com/

http://www.retrofuturatour.com/
Restaurants & Entertainment Deals

Groupon Coupons
Kenmore 18.2 cu. ft. Top-Freezer Refrigerator 398.88 from Sears.com
Added on : Friday August 29th 2014 08:00:06 AM
g: 0 Posted By: dynopuravida
Views: 179 Replies: 1 Kenmore 18.2 cu. ft. Top-Freezer Refrigerator - Spacious and VersatileEconomical and compact, this classic 18.2 cu. ft.Kenmore refrigerator 6880top-freezer design has improved functionality and modern, updated features. The brightly lit interior and wire shelving helps you find things at a glance. Deep, gallon-sized door bins and a full width pantry drawer give you plenty of storage. The roomy 4.1 cu. ft. freezer features deep door bins, as well as an adjustable rack and more interior space. The Kenmore refrigerator's adjustable and efficient cooling system keeps food fresh and power bills low. You'll love this new take on an old standard.

Gallon door bins easily hold jugs, bottles and gallon containers to help clear the shelves and give you space to stock up
Crafted from a completely transparent plastic, these clear storage bins give you a fast count of whats on hand, while reminding you when its time to stock up

Enhanced lighting gives you a better view of whats inside so you can quickly find condiments, produce, ingredients and leftovers..

http://www.sears.com/kenmore-18.2-cu-ft-top-freezer-refrigerator...
Appliance Deals

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g: 2 Posted By: remick
Views: 291 Replies: 0 http://www.amazon.com/gp/product/B00K5RUFEY/

Learn the latest SQL Server 2014 database design methods for career advancement; among them in-memory OLTP tables, FileTable FILESTREAM storage and ColumnStore indexes. Relational database design teach-by-practical-diagrams-&-examples book for developers, programmers, systems analysts and project managers who are new to relational database and client/server technologies. Also for database developers, database designers and database administrators (DBA), who know some database design, and who wish to refresh & expand their RDBMS design technology horizons. Familiarity with at least one computer programming language, Windows file system & Excel is assumed. Since the book is career advancement oriented, it has a great number of 3NF database design examples with metadata explanations along with practical SQL queries (over 700 SELECT queries) and T-SQL scripts, plenty to learn indeed. Great emphasis is placed on explaining the FOREIGN KEY - PRIMARY KEY constraints among tables, the connections which make the collection of individual tables a database. The database diagrams and queries are based on historic and current SQL Server sample databases: pubs (PRIMARY KEYs 9, FOREIGN KEYs 10) , Northwind (PRIMARY KEYs 13, FOREIGN KEYs 13) and the latest AdventureWorks series. Among them: AdventureWorks, AdventureWorks2008, AdventureWorks2012 (PRIMARY KEYs 71, FOREIGN KEYs 90), & AdventureWorksDW2012 (PRIMARY KEYs 27, FOREIGN KEYs 44). The last one is a data warehouse database which is the basis for multi-dimensional OLAP cubes. The book teaches through vivid database diagrams and T-SQL queries how to think in terms of sets at a very high level, focusing on set-based operations instead of loops like in procedural programming languages. The best way to master relational database design & T-SQL programming is to type the query in your own SQL Server Management Studio Query Editor, test it, examine it, change it and study it. Wouldn't it be easier just to copy & paste it? It would, but the learning value would diminish rapidly. You need to feel relational database design and the SQL language in your DNA. SQL queries, "CREATE TABLEs" must "pour" out from your fingers into the keyboard. Why is knowing SQL queries by heart so important? After all everything can be found on the web so why not just copy & paste? Well not exactly. If you want to be an database designer expert, it has to be in your head not on the web. Second, when your supervisor is looking over your shoulder, "Chuck, can you create a new table for our electric pumps inventory?", you have to be able to type the CREATE TABLE query without documentation or SQL forum search and explain how it will work to your superior promptly. The book was designed to be readable in any environment, even on the beach laptop around or no laptop in sight at all. All queries are followed by results row count and /or full/partial results listing in tabular (grid) format. Screenshots are used when dealing with GUI tools such as SQL Server Management Studio (SSMS). Mastery of the relational database design book likely to be sufficient for career advancement as a database designer and database developer.



also free

What's HTML?
http://www.amazon.com/gp/product/B00H59AW5C/

This book is designed to be a quick way to learn HTML and HTML5. It should also be used as a reference for you to look back at for refreshers and information on tags that are commonly used. This is a great resource for students and professionals that need a quick reference or wish to learn the basics of HTML and HTML5 quickly. As a computer science professor, Ive taught hundreds of students HTML. The reason I wrote this book is help teach others HTML and HTML5. For more HTML and HTML5 information, free instructor resources, and online tutorials visit http://www.whatshtml.com.

Table of Contents
Preface
Chapter 1 Whats HTML?
Chapter 2 Getting the basics
Chapter 3 In your HEAD
Chapter 4 Text and Stuff
Chapter 5 Anchors Away
Chapter 6 Picture Perfect
Chapter 7 Lists and More Lists
Chapter 8 Its all about Style
Chapter 9 iFrames, Divs, and Tables
Chapter 10 Simple Forms
Chapter 11 HTML5
About the Author
Appendix A HTML Reference
Appendix B CSS Reference
Appendix C HTML Entities



Fractal Vision. Part 1.: Studies in Fractal Computation Theory
http://www.amazon.com/gp/product/B00MLU1BAU/

Fractal Computation Theory is, as far as I am aware, a brand new area of science and mathematics. This discipline relates to performing computations in a fractal manner.
This book is the first in a series of studies on my Fractal Computation Theory.
These studies show how the Byng Fractal Computer, Patent Pending is used in a variety of applications. The first book in this series is about vision and shows how vision is processed using the Byng Fractal Computer.



Unraveling HTML5, CSS3, and JavaScript
http://www.amazon.com/gp/product/B00IOSC4CM/

As an experienced C# programmer and enterprise architect, I found myself in a strange situation after 20 years of experience. Even if I worked on project teams that implemented big systems including satellite web sites, I was dropped behind those team members who started their professional life pretty close to new generationneat, asynchronous, dynamic, etc.web page development. It took months to find the right way to be able to communicate with them, and find the common language with them. During these months I read many books, blog posts, articles, and went through many small programming exercises to get into the picture.

Well, I decided to create a series of booklets using my experiencesto help you cope with similar situations.
I wrote this book for those developers who areor might bein a situation I was months ago. If you worked on the server side for a long time, or you used only desktop UI technologies, this is the book you should read to get acquainted with HTML, CSS, and JavaScriptin order to understand them quickly, and keep up the race with youngsters.

If youre already a web developer who is familiar with these technologies, this book may help you to pass this knowledge to your teams new members who are novices in web UI.

How This Book Is Structured

This book is divided into ten chapters that will help you understand the concepts and technologies behind web UI. These chapters are built on each other, so youd better read them sequentially from the first to the last one.

Chapter1: A Short Tour of HTML, CSS, and JavaScript
This chapter provides an overview of the fundamental technologiesthrough a number of short examples that explains to you the role and behavior of them.
Chapter 2: Getting to Know HTML5
In this chapter you will learn the basics of HTML5, and you will create a few simple HTML pages using the concepts learned here.
Chapter 3: Achieving Richer User Experience with HTML
HTML5 provides you rich structure and semantics that help you design and render web pages with images, tables, and multimedia. In this chapter you will
learn these elements and utilize them.
Chapter 4: Forms and Controls
This chapter will teach you creating and using HTML web forms.
Chapter 5: A Few More Things about HTML
To provide additional knowledge on HTML5, in this chapter you will learn about special HTML elements and techniques, such as painting the new HTML5 canvas, and using HTML compatibility and validation tools.
Chapter 6: Exploring the Document Object Model
To provide interactive and dynamic web pages, getting familiar with the Document Object Model (DOM) is a key element. In this chapter you will learn all the basics that let you understand and manipulate the DOM.
Chapter 7: Getting to Know JavaScript
JavaScript is often mentioned as the assembly of the web. In this chapter you will learn the basics of this simple programming language that vivifies your web pages with only a few lines of code.
Chapter 8: Advanced JavaScript Programming
JavaScript is very easy to use, and it also can be used for very advanced web programming tasks in the browser. This chapter teaches you these advanced programming topics.
Chapter 9: Getting to Know Cascading Style Sheets
In this chapter you will learn the concepts of the Cascading Style Sheets technology that provides the power of great-looking web pages.
Chapter 10: Basic Style Patterns
In this chapter you will learn the most important CSS patterns that add great appearance to your web pages.



The Philosophical Implications of Information Overload
http://www.amazon.com/gp/product/B00MSZ3W14
Books Deals

Amazon Coupons
Financial Handbook for Spouse
Added on : Wednesday August 27th 2014 03:01:09 PM
g: 0 Posted By: Rewdog
Views: 65 Replies: 1 After recently updating my will, I realized how difficult it would be for my wife to figure out our finances. My wife lets me handle all the finances because I love it and she hates it. She likes to be informed about the big picture, but spaces out once I get into the details.

So, I've been in the process of creating a Financial Handbook that explains each account we have, why we have it, when we should and should not use it, incoming and outgoing cash flow, and access information. She was very receptive with my first draft, and we tested it out by having her handle the finances for a month. I also have a strategy section that explains things like our retirement strategy, what to do in case of a disability, untimely death, major home repair, etc.

Has anyone else created something similar? What were your strategies of encryption and storage? What type of things did you include that I didn't? An outline similar to what I created is posted in the quick summary so it can be elaborated. If there is enough interest, I'll create a generic word template / wizard for creating something similar.
Discussion Deals
Need help negotiating car purchase for Saturday!
Added on : Wednesday August 27th 2014 11:00:30 AM
g: 0 Posted By: mpennyranger
Views: 39 Replies: 1 Hi,
I have read a number of threads here and elsewhere re: trying to send out letters to negotiate the purchase of a new car, and I am just about ready to do so--I am in the market for a new Volvo XC60--I have done my test drives, compiled a list of dealerships that I would be willing to drive to (as well as a few others that are very far, but perhaps would be willing to make a good deal), gotten contact info for the internet or fleet salespeople, gotten preapproved through a credit union, know my FICO score, etc..... I am just hitting a hurdle in terms of setting up my letter, and could use some advice.

All of the sample letters suggest saying SPECIFICALLY what you want, so you can compare apples to apples. BUT, in my case, there are two things that I would accept: a 2015 XC60 with the BLIS package OR a 2014 XC60 with the BLIS package. I would definitely prefer the 2015 because it has a substantially higher MPG, but if the 2014 was substantially lower than the best 2015 price I could get, I would consider it. (The available 2014s are also more likely to be "upgraded" from the base model 2015 that I am shooting for, but none of the upgrades from the base model thrill me, so I'm not willing to pay extra for them.)

I DEFINITELY want to make a deal on Saturday because its end of the month and a number of Volvo manufacturer deals that would be awesome ($1000 Cash Back, extra 2 years of warranty & all maintenance, etc.) are expiring, and I want to close a deal as long as something hits my price Target, but I am not exactly sure how to frame the letter. Price also matters a lot, so I do want to see exactly how low I can go. I don't want my letter to say "I'll take the 2014 if it is substantially lower than your 2015 offer," b/c I know they want to get rid of the 2014s and they will just not reduce the 2015 offer. I am thinking perhaps the best strategy would be to send out an only-2015 offer on Thursday, see what comes back with my required specs, and Friday follow up with those same dealerships and say, "I would also consider a 2014, what is your best offer" and then just compare. Thoughts???

(Apologies for being so long-winded)
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Diablo III: Reaper of Souls $19.99 @ Amazon
Added on : Wednesday August 27th 2014 09:00:29 AM
g: 0 Posted By: ctgolfer
Views: 206 Replies: 0 free shipping with Prime or on $35+

The Prime Evil rages within the Black Soulstone, its essence screaming for vengeance and release. Before the artifact can be sealed away forever, Malthael -- the Angel of Death -- manifests in the mortal realms with a deadly new purpose: to steal the Black Soulstone and bend its infernal power to his will. So begins the end of all things

www.amazon.com/gp/product/B00FENJVOE/
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Alto TS115A 15" Active 2-Way Speaker Restock $229.99 Fs @ MF
Added on : Tuesday August 26th 2014 09:00:12 AM
g: 0 Posted By: tedhawkins
Views: 147 Replies: 0 Alto TS115A 15" Active 2-Way Speaker Restock $229.99 Fs @ MF

http://www.musiciansfriend.com/stupid



DescriptionPart of Alto's TRUESONIC series, the TS115A is an 800W Class D powered loudspeaker with a 15" low-frequency transducer and 1" neodymium driver. It provides you with two mic/line combo inputs with independent volume controls and an XLR output for linking to other speakers. Their lightweight, trapezoidal cabinet makes it easy for you to use it as a traditional upright loudspeaker or as floor wedge monitor, and it's stand or pole-mountable as well as flyable. Other features include a Clip Limiter with red LED, Ground Lift switch, and a contour switch for increased EQ control.

Versatile Cabinet Design
All TRUESONIC 2-way speaker cabinets have been designed with versatility and longevity in mind. They feature a durable, lightweight polypropylene enclosure that is stand-mountable for weekend gigs and flyable for more permanent installations. What's more, they have a trapezoidal design which greatly decreases the resonance of the standing wave in the cabinet for a more true-and-exact sound reproduction. The TRUESONIC TS115A is ideal for musicians and DJs on the move and halls, malls, schools, houses of worship and more.

Total Transparency
The TRUESONIC Series was designed from the ground up to be the most transparent loudspeaker money can buy. Rigorous testing and thousands of hours of listening have gone into making sure that what you pump into a TRUESONIC speaker is exactly what you get out. Everything you see (and some things you dont) from internal signal path and components used to the sculpted cabinet and meticulously designed waveguide was developed in service of the principle of accurate, transparent sound.

Super Efficient Drivers
The drivers in the TRUESONIC TS115A are designed to make sure that virtually no energy is wasted. That translates to more of the power from the amplifier actually working to generate sound rather than heat, giving the speaker better real-world performance than other speakers with comparable published specifications. The TRUESONIC TS115A offers a 15" LF driver (2" voice coil) and a 1" HF neodymium driver.

Modern amplifier design
Every active TRUESONIC speaker benefits from the use of a Class D amplifier integrated into the cabinet. Class D amps are generally lighter than Class A and AB amplifier designs, and offer more than enough power to provide your performance with plenty of punch. The TRUESONIC TS112A delivers with 800 watts of power and offers a balanced combo jack (XLR/TRS) input with level control. Class D amplifiers are also highly efficient and run cooler than other kinds of amps so the amp doesn't have to work as hard to deliver your mix.

Hang 'em High
Optimal speaker placement can be challenging, especially if your speakers don't have what it takes to go anywhere. Whether you need to fly your speakers, polemount or use them as floor monitors, TRUESONIC speakers are ready for you. All TRUESONIC speakers feature standard 36mm pole mounting insets on the bottom. If you need to fly them, it's no problem. The TS115A comes with five rigging points. All these options make the TRUESONIC one remarkably venue-friendly speaker. You can use them anywhere you need them.

Just what you need
Whether you're performing at a coffeehouse, wedding, house of worship or other small- to medium-sized venue, the TRUESONIC TS115A is your best choice. For example, it's easy to get your TRUESONIC speakers to the gig thanks to their carrying handles and lightweight design. Once you're there you won't need to be a live sound engineer to figure out how to EQ the speakers thanks to the built-in Contour EQ switch that can help adjust for those situations where an EQ alternative is needed for recorded music playback. When you're connecting everything, the TRUESONIC's dual XLR/combo inputs make easy work of your setup and each speaker's independent level controls give you the flexibility to dial everything in your way in seconds.

Full metal grille
You can never be too safe around the stage. We know stuff happens that you just can't predict. Sometimes it's the flying drumstick, a falling mic stand or worse. Every TRUESONIC speaker comes with a complete front grille from top to bottom that protects not only your low-frequency driver, but your high-frequency driver as well. With TRUESONIC speakers, you get extra peace of mind knowing that whatever comes at your sound system, it's covered, literally.Features

800W of Class D power
15 low-frequency transducer, 1 neodymium driver
Two Mic/Line combo inputs with independent volume controls
XLR output to link speakers
Lightweight, trapezoidal cabinet with handles
Stand/polemountable or flyable
Clip Limiter with red LED
Ground Lift switch
Contour switch for increased EQ control
Accurate audience coverage, not just on-axis
Use as a traditional upright loudspeaker or as floor wedge monitor
Designed and tuned in the USA

Applications:

Mid/large-sized PA systems
Halls, auditoriums, amphitheaters
Gymnasiums, fitness centers, and dance studios
Houses of worship
Bars, restaurants, clubs
Mobile DJ systems
Special events, presentations, and weddings





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Plastic surgery, the FWF way.
Added on : Tuesday August 26th 2014 07:01:08 AM
g: 2 Posted By: CowbellMaster
Views: 219 Replies: 9 My wife is a warrior - after multiple children she has some war wounds and although she's incredibly fit, thin and healthy there are some things that diet and exercise can't fix so she has decided to pursue a fix. We're planning on a traditional 'mommy makeover' which will include a tummy tuck, hernia repair, and BA. I'm curious what other FWFers have done or would advise.

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

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

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

Thanks for any insight.
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Groupon Coupon: Extra 15% Off Local Event or Activity Deal A/C
Added on : Monday August 25th 2014 03:00:07 PM
g: 0 Posted By: hellokitty27
Views: 3 Replies: 0 Groupon is offering an Extra 15% Off a Local Event or Activity Dealw/ coupon code FUN15. Expires 8/26.
Question about Cost Basis Method for Mutual Funds at Charles Schwab
Added on : Sunday August 24th 2014 03:00:38 PM
g: 0 Posted By: FutureDilemma
Views: 17 Replies: 0 In my Charles Schwab brokerage account online, on the Cost Basis Method tab under Account Settings, I see the following words under the Mutual Funds column: "Uses Account Default". What does this mean? One CSR thought that it meant the Average Cost Basis method would be used for mutual funds since that is the default for mutual funds. Another interpreted it to mean that the Tax Lot Optimizer method would be used for mutual funds since that is what is listed under the previous column that has the heading Account Default. To make things more confusing, when I try to sell a mutual fund, it takes me to the confirmation page without mentioning which cost basis method would be used.

Anyone here know what the correct interpretation is and which method will actually be used for those settings?
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g: 1 Posted By: remick
Views: 260 Replies: 1 http://www.amazon.com/gp/product/B00E1O6VG8/

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Stressed out? Anxious? Overwhelmed? Good newsyoure not alone!

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Perry Noble has stood at the edge of the abyss himself, and in Overwhelmed, he shares the keys to unlocking the chains of anxiety and despair once and for all. Building on the premise that when we shift our focus from our circumstances to Christ, everything changes, Perry walks readers through a life-altering plan for overcoming stress, worry, depression, and anxiety so we can be free to enjoy the abundant, joy-filled lives we were created for.

God knows were frustrated. He knows were tired. He knows were struggling. But He also knows how things are going to turn out. He is greater than anything you are going through . . . so dont give up on God. After all, Hes never given up on you.



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$70 (gift card) for opening Amazon.com credit account
Added on : Saturday August 23rd 2014 11:00:34 PM
g: 0 Posted By: CPenn
Views: 49 Replies: 0 I searched through the forum and didn't see this specific question. If I missed it, please accept my apologies and blame it on the late hour, which is the only time I can get peace and quiet to take care of such things as opening a new credit card. My question is whether it is worth it, the $70 is nice, but it could be so severely restricted that I wouldn't be able to use it on something I actually need or want.

I'd really appreciate hearing others' opinions and experiences with this card. I'm a bit concerned about opening another credit account, especially if I end up cancelling it after a while. I usually keep my accounts a long, long time, even if they aren't active. Which probably isn't wise, but,,,for now I have the question about Amazon's offer. Any ideas/experiences? I love Amazon and use it a lot.

Thanks, all

Here are the details on the offer from Amazon's website:Current Total:$ 31.32Gift Card:- $ 70.00Cost After Savings:$ 0.00Savings Remaining:$ 38.68Three Easy StepsClick the button below to sign-in to your Amazon.com account and complete a short form.If you're approved, your new credit card and a $70 gift card will be added to your Amazon.com account.Use your gift card and get $70 off your purchase today!E-mailassword:New Amazon Customer?Start here=14pxAmazon.com Rewards Visa Card from Chase.=21.021020889282227px$70 OffA $70 Amazon.com Gift Card will be instantly loaded into your Amazon.com account upon the approval of your credit card application*

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g: 0 Posted By: ctgolfer
Views: 170 Replies: 0 64-1/2" screen (measured diagonally from corner to corner)
Large enough to provide an immersive experience for everyone in the room.
LED displays perform well in all lighting conditions
They also deliver plasma-like deep blacks and rich colors.
1080p resolution for stunning HD images
Watch Blu-ray movies and 1080p HD content at their highest level of detail.
240Hz refresh rate for smooth action scenes
Enjoy fast-moving movies, sports and video games with virtually no motion blur.
Clear Motion Rate 960
Enjoy stunning motion clarity during fast-action moments.
Smart TV means a huge world of entertainment
Stream movies, videos, music and more through the Smart TV Smart Hub.
Built-in Wi-Fi
Connect to your wireless network.
Experience full HD resolution even in 3D
Each of your eyes will see a full 1080p 3D image (something many 3D TVs can't provide) for incredible depth and realism.* Two pairs of active 3D glasses are included. Additional pairs sold separately.
See 2D images come alive in 3D
Virtually any 2D TV show, movie, photo and game can be converted into full HD 1080p 3D.
Sharp contrast and clear detail
Micro Dimming Pro technology fine-tunes the picture contrast for precise colors and rich detail.
Intelligent energy management
Eco Sensor measures the intensity of light in the room and automatically adjusts the TV brightness.
Smart Touch Remote with voice controls
Keep things simple with one remote that controls multiple devices connected to your smart TV. Includes a built-in microphone for voice commands and a touch pad for quick navigation.
Advanced TV sound
DTS Premium Sound 5.1 and DTS Studio Sound.
Dolby MS10 technology, Dolby Digital Plus and Dolby Pulse
Optimizes the sound for TV from sources like Internet movies and music, connected PCs, smartphones and tablets.
4 HDMI inputs for the best home theater connection
High-speed HDMI delivers a full 1080p picture and digital surround sound in one convenient cable. HDMI cable sold separately.

www.bestbuy.com/site/samsung-65-class-64-1-2-diag--led-1080p-240...
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g: 0 Posted By: ctgolfer
Views: 90 Replies: 0 Requires full version of Diablo III to play (not included)
NO ONE CAN STOP DEATH
The Prime Evil rages within the Black Soulstone, its essence screaming for vengeance and release.
Before the artifact can be sealed away forever, Malthael the Angel of Death manifests in the mortal realms with a deadly new purpose: to steal the Black Soulstone and bend its infernal power to his will. So begins the end of all things...
Charge Forth as the Crusader
Impenetrable armor, gleaming weapons, and heavy, heavy damage wield the power of the Crusader, unbreakable new hero of the mortal realms.
Take Act V by Storm
From the sprawling streets of Westmarch to the ancient walls of the Pandemonium Fortress, battle with a host of deadly new enemies throughout the all-new Act V of the Diablo III storyline.
Rise to New Heights of Power
Advance your hero of choice through 10 additional levels, mastering bold new powers of raw, demon-slaying potential and collect unbelievable amounts of treasures on loot runs along the way.

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g: 0 Posted By: COOLBLEU
Views: 160 Replies: 0 http://www.barnesandnoble.com/w/the-museum-of-extraordinary-things-alice-hoffman/1115884807?ean=9780594608561

Author - Alice Hoffman

Price $5.38 Save 80% was $27.99

** In store pick-up option is available but one by me is out of stock. Looks like online is only option to purchase..


OverviewMesmerizing and illuminating, Alice HoffmansThe Museum of Extraordinary Thingsis the story of an electric and impassioned love between two vastly different souls in New York during the volatile first decades of the twentieth century.Coralie Sardie is the daughter of the sinister impresario behind The Museum of Extraordinary Things, a Coney Island boardwalk freak show that thrills the masses. An exceptional swimmer, Coralie appears as the Mermaid in her fathers museum,...see more details below.

Note:This is a bargain book and quantities are limited. Bargain books are new but may have slight markings from the publisher and/or stickers showing their discounted price.



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Credit card & bad credit
Added on : Saturday August 23rd 2014 01:00:25 PM
g: 0 Posted By: Izmeeh
Views: 8 Replies: 0 Hello,

A friend with a low credit score due to bankruptcy is looking to open a credit card without an annual fee since some places he needs to purchase things from are not accepting cash. Please give recommendation as to places with a history of accepting applications from people with low credit scores. I'd rather that he applies for one and be accepted right away instead of trying multiple places hoping for one approval. Or, is it better to apply for a card from one of those pre-approved mailers?

Thanks.
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Self Directed IRA To Invest In Local Entrepeneur You Advise? Legal?
Added on : Friday August 22nd 2014 05:00:33 PM
g: 0 Posted By: robronson
Views: 93 Replies: 1 I understand self-directed IRAs are not allowed to be used to do things you can control, such as invest in a business you manage or a buy a house you rent to yourself.

What if you paired up with a local entrepreneur, who you're advising and helping get started, and invested in his business through your self directed IRA? You technically wouldn't have legal control over what he did with the money, but you are serving as an adviser. Maybe not an adviser on paper but he will go to you on a regular basis for advise on how to run the business and perhaps to ask for more money if he needs additional capital, which you can also invest from your IRA.

This seems like a reasonably legit way to set up a business that you don't personally run, but is based on your ideas, and has been vetted by you to have a strong chance of success, and also get tax-free returns by investing from your Roth IRA. While most businesses are unsuccessful, the very few that are successful get returns extremely high. I could envision getting a 10x return over one or two years with the right business.
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Do you NEED a branch?
Added on : Friday August 22nd 2014 04:00:58 PM
g: 0 Posted By: timgodsil
Views: 143 Replies: 10 I bank online, rarely visit branches, use my card to get cash at Free ATMs. If I have cash to deposit, I have a checking account with a CU that has "shared branching" which allows me to deposit/withdraw at over 5,000 credit union branches.

But the bank I bank with now (US Bank), does not have a branch for over 50 miles from me, and where I plan on moving to soon, 250 miles.

Credit cards can be applied for online, but things like auto loans and mortgages, does one need a physical branch to go to?
Discussion Deals
g: 0 Posted By: robronson
Views: 108 Replies: 1 FWF is about maximizing value from your financial decisions. This is my first year doing real self-employed work as my full time thing with a 6-figure income. I've done a bunch of tax planning and am revisiting for the rest of the year now that my total 2014 income is easier to predict. I made several tracking estimation spreadsheets along the way and identified "bend points" whereby it would be extremely valuable to get a little bit extra of a business deduction, as well as other income threshholds where the additional business deduction was much less valuable.

For example, the Traditional IRA phaseout occurred for me at around $95k gross income. At that income point, when you factored in my YTD business expenses, 401k/HSA contributions, 1/2 of SE Tax deduction, etc, I was able to deduct a Traditional IRA from my income. There's a bit of a step to the phaseout, but for simplification of discussion, if my income were to stop at just above the $95k gross mark, I'd be heavily incentivized to waste, I mean spend money on "business things" that could push my AGI down.

Also in my case, at around $125k Gross Income, I reached the point where FICA was no longer required to be paid. Thus, as my income got to $130k+, it made less sense for me to waste money on business things (like a new computer I only kind of sort of want, rather than absolutely need) because ever dollar of income reduced beyond that point is 12 cents less of FICA deduction. Whereas when my gross income was in the $115k range, every marginal dollar spent on business stuff had an extra ~12 cent value, meaning everything was ~12% cheaper (out of pocket).

I'm currently in the "weird" place where I'm exceeded the FICA annual cap but haven't yet made it into the 28% tax bracket. Once the FICA cap was hit, the marginal benefit of each dollar of business expense dropped 12% and now I'm questioning whether I really want to waste money on the bunch of "legitimate" business expenses that I can section 179 like a new iPad and a new computer.

It seems to me that if possible, I should structure my work such that in alternating years, I keep my income below the FICA cap but above the 15% threshold and perhaps near the Traditional IRA deduction phaseout. That would provide the maximum value for business deductions. It would mean that I could only gross around $90k in that year, which means I've taken a lot of time off (4 to 6 months off). Maybe I try to get a 1.5 year gig, take 4 to 6 months off, and then rinse/repeat. That gives me alternating years where I can splurge on cool things like new iPads/iPhones (which I legitimately do use in my consulting work), and get maximum benefit from the business deduction.

I haven't seen any other discussions like this on the forums. I do know typically, most small business owners just splurge on stuff in late December if their accountant suggests they do. I don't want to be one of those people because then I'll have to pay full price for things. If I know that I should buy a new computer in a given year to reduce my tax liability, if I realize this in August, then I have 5 months to look for a sale and also possibly get an additional 5 months use out of it.
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g: 0 Posted By: amhidogha
Views: 26 Replies: 0 Recd a letter from a collection agency for $140 for an ER visit in 11/2012. In my recollection, we had paid it off in 04/2013, so sent a certified letter disputing it and to validate. Recd a bill from them for same $150 charge on 11/2012 minus a $10 pmt (not made by us) on 03/21/14.

History below
ER visit in 11/2012.
11/2012 stmt had incorrect amt due. Called to ask what happened, they were missing some insurance info, gave insurance info again.
01/2013 stmt - showed correct co-pay of $150
02/2013 stmt had this balance and another charge (for a separate visit, that IMHO was expected to have been covered in full by insurance) for ~$78
03/2013 stmt - same as 02/2013 stmt
04/17/2013 stmt - yet another charge (for a separate visit, that also IMHO that was also expected to have been covered in full by insurance) for ~$72. 11/2012 charge not on stmt.
04/22/2013 - called and asked for a discount, was given 15% off, so paid $127.50 and thought the 11/2012 charge was now paid in full
05/2013 - no stmt - Since no stmt - assumed that the 2 other charges were settled by insurance and the 11/2012 once was paid off
05/2013 - recd a letter from collection agency for $150 - informed them about 04/22/2013 pmt
06/2013 - recd another letter from collection agency for $150 - ignored as pmt was supposed to have been paid in full, assumed delay from Hospital side to inform them.
No activity for 1+ year
07/2014 - recd a letter from a different collection agency for $140. Sent certifiedletter disputing it and to validate
07/2014 - recd a bill from them for same $150 charge on 11/2012 minus a $10 pmt on 03/21/14 that I had not made
08/2014 - Called ERs billing dept and was told that 11/2012 bill was already sent to collections in 03/2013 and hence did not appear on account and that $150 pmt (minus discnt) was applied to the other 2 accounts. Was never informed during 04/22/13 call that it was already sent off to collections and that the pmt was (incorrectly, in my opinion) made to the other 2 accounts (that should have been covered in full). They claim they have a 90 day policy to send to collections, though we never recd a letter to that effect or it was never mentioned on their monthly statements. They are unwilling to fix things and recall it from collections, if there is even such a thing.

Any suggestions on how best to proceed? Thanks.
BTW, this is a huge hospital/physician network that we always use and was also spouse's last (recent) employer.

TL, DR;
Recd letter for collection agency for old ER visit, pmt for it then was misapplied by Hospital to a different charge and hence shown unpaid. How to proceed? Thanks.
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Free Kindle Book- Penny Dreadful Multipack Vol. 1
Added on : Thursday August 21st 2014 06:00:05 AM
g: 1 Posted By: remick
Views: 169 Replies: 0 http://www.amazon.com/dp/B00HB6337S

Three epic PENNY DREADFUL CLASSICS remastered for Kindle with original art, essays, free audio recordings and detailed annotations:

Wagner The Wehr-Wolf, Varney The Vampire and The Mysteries of London.

WAGNER THE WEHR-WOLF

Published in 1847, 'Wagner' is one of the first werewolf novels in English Literature. It is set in the sixteenth century and begins with a recently abandoned old man waiting in vain for his granddaughter to return and care for him as a storm rages in the ancient forest surrounding his isolated cottage. To his surprise, a stranger appears and offers him something he cannot refuse: beauty and youth. But it comes with a price as he must also suffer the curse of the werewolf. Love, violence, and intrigue are all weaved around Fernand Wagner as he struggles to balance being a human and a murderous animal. As things become more out of hand and uncontrollable, the secret he has been trying to hide may just have to come forth and be faced by all involved, including his beloved Nisida.

VARNEY THE VAMPIRE

One of the earliest penny dreadfuls, 'Varney' is the original vampire story and it was wildly popular with Victorian readers, remaining the Number One serial for two years. It appeared in eight part installments every month between 1845-7. The full version collected here clocks in at an epic 667,000 words. This hugely influential work continues to enthrall and is presented here in electronic book form for the first time with its original illustrations.

THE MYSTERIES OF LONDON VOL. 1

Largely forgotten now, 'The Mysteries of London' was one of the biggest selling novels in mid-Victorian England, outselling contemporaneous works from Dickens and Thackeray. The first series was published in weekly installments from 1844-46, priced at a penny each. George W. M. Reynolds wrote the first two series of this long-running narrative of life in the seedy underbelly of mid-nineteenth-century London. Thomas Miller wrote the third series and Edward L. Blanchard wrote the fourth series of this immensely popular title.

*Over 150 period illustrations
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*Total page count: 3, 376

All three pulp classics for one unbeatable low price!

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g: 0 Posted By: remick
Views: 161 Replies: 0 http://www.amazon.com/gp/product/B00MG7BYFU/

"A wonderful booknot just for basketball fans but for everyone."Earvin "Magic" Johnson

A good reporter can pick up a pen and chronicle the game of basketball, from its Xs and Os to its personalities.

A great reporter can put down the pen and pick up the rock.

Ira Berkow has been many things in his lifea Pulitzer Prize-winning reporter, a respected columnist, and a passionate sports fan. He also knows how to thread a pass into the paint. In this wildly entertaining chronicle of his life as both a devotee and gym rat, Berkow writes with good humor and piercing insight about talking strategy with Walt Frazier, running the court with Oscar Robertson, and seeing the game from the inside. From his youth, playing on the courts in Chicago in the 40s and 50s to growing older and using the wisdom hes gained to school players half his age, Berkow retains a competitive spirit, and a deep love of hoops. This moving tale of love for the game, for his friends and family, and for life itself is a must-read for anyone who wants the ball when the game is on the line.

"An extraordinary look into the art of pickup basketball. Who would have guessed that, along with his writing talents, Ira knows how to play the game!"Bill Bradley

"Ira Berkow is one of the best sportswriters around, so it is no surprise that his basketball odyssey is one of the best sports books of this or any other year."George Plimpton
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Management company vs self manage on rental house
Added on : Tuesday August 19th 2014 11:00:08 AM
g: 0 Posted By: roxygirlie1021
Views: 131 Replies: 0 Just curious what other FWFers do on your rental homes. The husband and I are moving into a new house, but keeping our current one as a rental. Trying to decide if we should get a management company to take care of everything for us (and thus take 10% of the total rent...) or manage it ourselves. Our new home is about 40 minutes away, and my husband is a stay at home dad, so he would be available during the day. We are just worried about getting calls in the middle of the night and when we are out of town, things like that.
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Suggestions for short term investment intended for college
Added on : Tuesday August 19th 2014 09:00:07 AM
g: 0 Posted By: Rock80s
Views: 18 Replies: 0 A little background - currently we've got nothing put aside because we haven't been able to. We just got some money from life insurance due to a death in the family. We've used some of it for things around the house and paying off debt. We want to put what's left towards some kind of college fund for our kid, but it's only 2 years away. I realize we can't make too much in such a short time without high risk, but we don't want high risk. I would be happy just getting above the 1% or so that CDs are currently running.

So.. what would you folks suggest? We're looking at $25k that will need to be usable by June of 2016 for tuition. Please let me know if I've left out anything important.

Thanks!
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Views: 110 Replies: 0 Volcom Frickin V4S Hybrid Shorts $24.90 Fs on $50+ Evo.com

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Added on : Tuesday August 19th 2014 06:00:08 AM
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Views: 25 Replies: 0 Free keepsake heart pendant with the brides name engraved on it when you sign up for the complimentary bridal newsletter.
Take the coupon toyour localThings Remembered store.

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g: 0 Posted By: remick
Views: 139 Replies: 0 http://www.amazon.com/dp/B00KZYVO42

5.0 out of 5 stars (18 customer reviews)

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g: -1 Posted By: pj737
Views: 197 Replies: 13 The point of this ridiculously long-winded analysis is to determine the true cost to OPERATE (not own) an average-priced vehicle with average depreciation (per mile driven) and average fuel efficiency. Long story short, I did this analysis to convince my best friend to not buy a home in the suburbs... he is looking to buy a home that's about 30 miles from his place of employment. His wife also commutes into town for work. He owns a 2011 Toyota Tacoma and she drives a 2010 Lexus ES - they own them F&C. Between both cars, they average about 20 mpg. I'm trying to convince him to buy in town or close to town to cut his commute to <5 miles. However, the home that's 30 miles away is about $200K less for essentially the exact same size home in town (safety/crime is similar in both areas); the home in town is older but is in move in condition. He can afford the $200K price difference based on his earnings. Their daughter also attends private school in town so there is no benefit from a school district perspective. The commute time if they lived in town is <10 minutes each way. The suburbs is 75 minutes in each direction and that's with no stalled vehicles or accidents.

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

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

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

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

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

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

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

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

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

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

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

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

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

These numbers are absolutely staggering to me and I can't help but think my math and/or assumptions are off somewhere. But it definitely enforces my argument that my friend should buy in town. For those that managed to make it through all this, please chime in and offer any corrections to my reasoning. Yes, I understand there are many assumptions made here but again, the purpose of this post is to get an average figure most people can relate to. I think very few people actually consider the real cost of driving and they end up making mistakes by either buying or renting far distances from their place of employment and other desired activities because they assume they are saving money by doing so. This analysis only takes into account the direct financial costs of driving longer distances... it doesn't take into account the plethora of other considerations (which I find vastly more important) like compromised health and well-being, increased stress, quality time away from family/friends/gym/activities/alone time/relaxing/sleep, etc etc. Sitting in traffic for hours on end every day is a huge quality of life issue for me personally, money aside. If the 30 mile commute was FREE, I would still pay the $200K difference.
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Craftsman 2 pc. Tool Bag Set 16" and 20" $11.88 in-store @ Sears
Added on : Sunday August 17th 2014 10:00:03 PM
g: 0 Posted By: ctgolfer
Views: 149 Replies: 0 The Craftsman 16 and 20 In Bag Set features industrial-strength woven exteriors that are easy to care for but tough enough to withstand any bumps on the road.
The soft-side bags are spacious and rugged, with inside compartments designed to protect power and hand tools.
Three outer mesh pockets are great places to stash small items or things you use often. Need it in a hurry? Put it in the mesh outside pocket so you'll be able to find it at a glance.
Hassle-free handles and straps make tools easy to transport.
Wide-opening mouths on both bags let you get to your tools quickly and easily.

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g: 1 Posted By: ctgolfer
Views: 175 Replies: 0 shipping adds $5

23" IPS Widescreen WLED backlit anti-glare 1920 x 1080 16:9 aspect ratio display
Get reliable performance from the AMDE2-3800 quad-core accelerated processor
4GB DDR3 memory For multitasking power, expandable to 16GB
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Two USB 3.0 ports and 4 USB 2.0 ports for plenty of connectivity for your USB devices
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Connect wirelessly with theAtheros AR5B125 802.11b/g/n single antenna PCI Express half-length mini card
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Windows 8 makes the things you do every day easier


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g: 0 Posted By: microdvd
Views: 136 Replies: 0 Goldstar: Boston, MA :50% concert tix:'80s New Wave With Thompson Twins' Tom Bailey, Howard Jones & Morehttp://www.goldstar.com/events/boston-ma/retro-futura-tour-featu...

Sunday, August 24, 2014 / 8:00pmThe Wilbur Theatre (Boston, MA)

246 Tremont Street
Boston MA 02116

Floor/Mezzanine/Balcony
$25.50 + $6.00 + 2.50 = $34.00

Full Price was: $51.70 (plus fees)

Seating Chart: http://i.gse.io/gse_media/images/000/004/837/1380657914-wilbur-t...

Go back to the future this summer and experience all the moody synths, lush guitars and gravity-defying hairdos of the '80s best new wave artists.
The Retro Futura Tour brings together the top synth-pop bands and performers of the Reagan era --
including the Thompson Twins' Tom Bailey, Howard Jones, Ultravox singer Midge Ure, China Crisis and Katrina of Katrina and the Waves --
for one incredible concert. From Thompson Twins' "Hold Me Now" to Howard Jones' "Things Can Only Get Better,"
Ultravox's "Dancing With Tears in My Eyes" to China Crisis' "Wishful Thinking,"
this fun summertime concert is like a live Memorex mix-tape of your favorite hits of the '80s and beyond.

Retro Futura Tour 2014
What it is: a gathering of some of the most popular British new-wave musicians from the 1980s
How you remember Tom Bailey: as the bassist and vocalist of the Thompson Twins, whose super-hits include "In the Name of Love," "Lies,"and "Hold Me Now"
How you remember Howard Jones: from his double-platinum album Human's Lib
Jones' Hollywood connection: his song "Like to Get to Know You Well" soundtracked John Cusack fixing his Camaro in the surreal '80s comedy Better Off Dead
How Ultravox's Midge Ure describes their hit "Vienna": "We wanted to take the song and make it incredibly pompous in the middle, leaving it very sparse before and after, but finishing with a typically over-the top classical ending. The whole thing was a bit tongue in cheek."
Evidence the public might not have picked up on the joke: the single rocketed to the number-two spot, and was later named by Radio 2 to be Britain's favorite song to ever halt at the runner-up spot
China Crisis's claim to fame: the hit single "Wishful Thinking"
Katrinaformerly of The Wavesfamily name: Leskanich
How Katrina Leskanich of Katrina and The Waves improved the '80s and water-park lines everywhere: by lending her vocals to "Walking on Sunshine"

http://thompsontwins.co.uk
http://howardjones.com
http://www.retrofuturatour.com
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g: 0 Posted By: microdvd
Views: 149 Replies: 0 Goldstar:Tempe, AZ 50% tix:'80s New Wave With Thompson Twins' Tom Bailey, Howard Jones & Morehttp://www.goldstar.com/events/tempe-az/retro-futura-tour-2014

Wed, Sep 3 @ 7:00pm
Marquee Theatre (730 N. Mill Avenue Tempe, AZ 85281)

General Admission (Standing Event)
$23.25 + $5.75 = $29.00

Full Price was: $46.50 (plus fees)

Go back to the future this summer and experience all the moody synths, lush guitars and gravity-defying hairdos of the '80s best new wave artists.
The Retro Futura Tour brings together the top synth-pop bands and performers of the Reagan era --
including the Thompson Twins' Tom Bailey, Howard Jones, Ultravox singer Midge Ure, China Crisis and Katrina of Katrina and the Waves --
for one incredible four hour concert. From Thompson Twins' "Hold Me Now" to Howard Jones' "Things Can Only Get Better,"
Ultravox's "Dancing With Tears in My Eyes" to China Crisis' "Wishful Thinking,"
this fun summertime concert is like a live Memorex mix-tape of your favorite hits of the '80s and beyond.

Retro Futura Tour 2014
What it is: a gathering of some of the most popular British new-wave musicians from the 1980s
How you remember Tom Bailey: as the bassist and vocalist of the Thompson Twins, whose super-hits include "In the Name of Love," "Lies,"and "Hold Me Now"
How you remember Howard Jones: from his double-platinum album Human's Lib
Jones' Hollywood connection: his song "Like to Get to Know You Well" soundtracked John Cusack fixing his Camaro in the surreal '80s comedy Better Off Dead
How Ultravox's Midge Ure describes their hit "Vienna": "We wanted to take the song and make it incredibly pompous in the middle, leaving it very sparse before and after, but finishing with a typically over-the top classical ending. The whole thing was a bit tongue in cheek."
Evidence the public might not have picked up on the joke: the single rocketed to the number-two spot, and was later named by Radio 2 to be Britain's favorite song to ever halt at the runner-up spot
China Crisis's claim to fame: the hit single "Wishful Thinking"
Katrinaformerly of The Wavesfamily name: Leskanich
How Katrina Leskanich of Katrina and The Waves improved the '80s and water-park lines everywhere: by lending her vocals to "Walking on Sunshine"

http://thompsontwins.co.uk
http://howardjones.com
http://www.retrofuturatour.com
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Homeowners insurance overpayment - best approach to resolve
Added on : Saturday August 16th 2014 12:00:05 PM
g: 0 Posted By: Nomoboro
Views: 52 Replies: 0 About three weeks ago we discovered that our escrow company has been paying our homeowners insurance from our escrow account (marked as Hazard Insurance on statement). Since we purchased the home in 2007, we've been paying homeowner's each month via automatic withdrawal from our checking account.

We've requested:

7 years worth of bank statements showing this checkingaccount had withdrawals- per MetLife to verify we made payments all this time.
7 years worth of escrow statements (we had some, others were either shredded or are in storage). ~~This was more difficult as our original mortgage was with Bank of New York in 2007. Sold to Countrywide in 2008, which turned to Bank of America in 2008.
7 years worth of MetLife statements - to show the withdrawal amounts were consistent with our homeowner premiums (we also had car insurance with and a separate withdrawal monthly).


We've contact MetLife and they were less than helpful. We called them first, yet we have not received any of the statements. We called the banks and escrow company a week after MetLife and we've received all their documentation.

We received the last statements today, and after a cursory glance, it appears the overpayment occurred for about 2.5 years. I haven't been able to verify why the change happened - it doesn't look to coordinate with any changed in mortgage (ie. being sold etc.). From my recollection, it also doesn't appear to coincide to our remortgage, but I have to get that paperwork out of the attic.

My thought was to call MetLife again, armed with all the facts and give them one chance to be cooperative. If that doesn't work, I was either going to lawyer up, contact State Attorney General, state insurance commission and anyone else I think of that might be beneficial.

I thinkwhat irks me the most is that suddenly at the end of 2013, MetLife stopped the second payment. So it appears the realized there was overpayment going on, yet no attempt was make to rectify the situation.

I recall receiving a letter saying it was going to combine our monthly withdrawal into one payment - I looked into my files and cannot locate that letter. We moved in January 2014, so things were a little hectic leading up to it.

In the meantime, we have bought a new home (still own the first home and have it rented). We were unhappy with MetLife and when we bought our new home in January 2014, we switched insurance companies. Sadly we are paying less for our two cars, new $2 million umbrella policy, new home and old home with Allstate, than we paid for two cars and our original home.

I'm seeking advice on what our approach should be moving forward. We did pay an additional $3/month for a payment that should not have been received. We also spent $150 getting copies of statements to verify when this started happening. At the very least I want the couple thousand dollars and change back.

Is there anything else we should ask for? I'm still pretty pissed at MetLife from an accident we had where the other driver admitted fault, was cited by the state police and their insurance company's adjuster stated I needed a new door - Met Life's adjuster said I didn't - so I didn't get a new door. That door still doesn't shut correctly. But I digress.....

Any thoughts greatly appreciated.
Question Deals
g: 0 Posted By: microdvd
Views: 140 Replies: 0 Goldstar: Chicago Area : 50% off tix Retro Futura Tour: Thompson Twins' Tom Bailey, Howard Jones & More: '80s New Wave

http://www.goldstar.com/events/85782

Wed, Aug 27th at 6:30PM
Ravinia Pavilion, (200 Ravinia Park Road Highland Park, IL 60035)

Go back to the future this summer and experience all the moody synths, lush guitars and gravity-defying hair-dos of '80s British new wave live at Ravinia.
The Retro Futura Tour brings together the best synthpop bands and performers of the Reagan era --
including Thompson Twins' Tom Bailey, Howard Jones, Ultravox singer Midge Ure, China Crisis and Katrina of Katrina and the Waves --
for one incredible concert under the stars. From Thompson Twins' "Hold Me Now" to Howard Jones' "Things Can Only Get Better,"
Ultravox's "Dancing With Tears in My Eyes" to China Crisis' "Wishful Thinking,"
this fun summertime concert is like a live Memorex mix-tape of your favorite British new wave hits of the '80s and beyond.

This is a Four Hour Concert

Price Level 2 $25.00 + $6.00 + $1.00 = $32.00
Regular Full Price: $50.00 (not including fees)

http://thompsontwins.co.uk
http://howardjones.com
http://www.retrofuturatour.com

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Buying a Used Hyundai still under warranty
Added on : Saturday August 16th 2014 05:00:06 AM
g: 0 Posted By: cr3s
Views: 56 Replies: 3 I'm looking to buy a used Hyundai.

I know the warranty is reduced to 5/60,000 miles as a second owner. So, it still has manufacturer warranty. I've read that Hyundai is pretty stingy about honoring warranties and that you need meticulous documentation, like regular oil changes (not DIY).

Here are the specs:

Sold by a dealer.
Originally was a rental car. Was in the fleet for 13 months. It has about 25K miles on it.
It's been sitting on the dealer's used car lot for 4.5 months.
The dealer is about 250 miles away. I can get their via carshare or train.
Should I still get this car inspected by a mechanic? The last few times I've done so, I don't think they gave me my money's worth.

Anyone have experience buying cars unseen? I know i should have all the negotiations and paperwork singed before heading to pick up the car.
Any tips for negotiation, things to ask, things to be ware of?

Thanks,





Question Deals
g: 0 Posted By: shardugo
Views: 191 Replies: 0 3-Pack: Maxell Wild Things Stereo Earbuds With Inline Microphone & Remote $8.99 + free shipping
3 pack Maxell Wild things
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Just opinions please- Employer not paying for travel
Added on : Thursday August 14th 2014 04:00:04 PM
g: 0 Posted By: regor1000k
Views: 33 Replies: 0 Hello,

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

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

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

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

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

If any of you were in my shoes, what would you do about the conference?
g: 0 Posted By: remick
Views: 235 Replies: 0 http://www.amazon.com/Marriage-Matters-Extraordinary-through-Ord...

4.6 out of 5 stars (46 customer reviews)

Can Ordinary Marriages Become Extraordinary?

He snapped at her during breakfast. She brought up a past mistake. He walked out angry. She left without saying good-bye. An ordinary day in an ordinary marriage. But what if things could be different? What if the moments that seem the most ordinary moments of annoyance, conflict, pain, or cold indifference could become moments in which you're able to understand God's incredible agenda for love and begin to do something new?

Winston T. Smith, drawing on his extensive experience as a marriage counselor, offers a simple yet powerful prescription for changing your marriage. He shows how examining the everyday disappointments and irritations in your marriage will help you understand yourself, your spouse, and your need for God's love. Change begins with seeing day-to-day interactions from a different perspective, taking simple steps to love one another more effectively, and then learning how to take those steps over and over again. Interactions that used to devolve into pointless annoyances and fights can become an opportunity for God's activity and love to become increasingly evident and powerful.

The principles in this book will take your marriage to extraordinary places and lead you into a deeper relationship with an extraordinary God. Don't settle for an ordinary marriage, learn to live out God's extraordinary love in your most intimate relationship.
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g: 0 Posted By: Deals4mykids
Views: 144 Replies: 0 Save $107 and free store pickup

The Craftsman tool storage rolling cabinet gives you more options for mobility and storage so you can easily move your tools when and where you need them and store them neatly away when youre done. With a variety of drawer sizes to sort and store parts, hand or power tools and everything in between, it keeps you on top of your projects so youll never need to scramble through clutter looking for your things or waste money buying misplaced parts again.

The chests ball bearing drawers glide open and close with smooth operation giving you quick and easy access your tools, while its external locking system keeps them secure so your tools are right where you left them. With an all-steel construction and ball bearing casters that withstand up to 500 pounds, the Craftsman 4-drawer Standard Duty ball bearing rolling cabinet allows you to safely add on a top chest as your collection expands. Maximize your work area to suit your needs.

http://www.sears.com/craftsman-26-in-4-drawer-standard-duty-ball...
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g: 0 Posted By: ctgolfer
Views: 172 Replies: 0 Craftsman tool storage rolling cabinet is ideal for storing your tools and supplies in an organized way
Ball-bearing drawer slides provide smooth drawer operation and hold up to 30 lbs. per drawer
Organizes hand tools and power tools in 8,030 cu. in. of storage
All-steel construction gives more strength and durability
Protective top mat keeps things from sliding off
Drawer dimensions:
1 Drawer is 22-1/8" W x 16-3/4" D x 4" H
3 Drawers measure 22-1/8" W x 16-3/4" D x 6-1/8" H
Keyed external locking system secures stored items
4 x 2 casters support up to 500 lbs.
Protect and organize your storage and tool investment with the 65514 drawer liner roll
Select the 00931018 top chest to complete your tool storage combination
Color: Black
Measures 26" W x 18" D x 32-1/2" H
Weight: 82 lbs. (37 kg)
Caster assembly required
Warranty: 3 year limited


www.sears.com/craftsman-26-in-4-drawer-standard-duty-ball/p-0093...
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Where is the money?
Added on : Wednesday August 13th 2014 03:00:06 PM
g: 0 Posted By: readytofly
Views: 171 Replies: 4 As I write this, I am contemplating my next move. Actually, I have been contemplating for a while. I am currently trying to finish my degree in finance. I took a construction job making more money than I thought I would be making, but its not what I want to do forever, its just paying the bills. Everyday my parents are breathing down my neck, asking me what I am going to do. My dad always tells me "I can get you this job here making XXXX", and its always something I dont want to do, and it just makes me so mad, but I know he just wants me to figure everything out.

There are two paths I have considered: becoming a financial advisor, or a police officer. Nearly everyone I meet tells me not to go the advisor route, for many reasons I hear. Even people in that position tell me not to do it. I hear a lot about job security for advisors. I like "business", I like the markets (I used to daytrade, now I just invest my money and friends/family money), and I generally like most things related to finance. I have always wanted to be an officer. To be honest though, I dream of more money than that. Being an officer isnt about the money, but if I become an officer I would probably love it but I wouldnt be happy with the money.

My friend works as an advisor for a bank, and he started at about $20k less than I am making in construction. Another friend was an advisor for MS, and he ended up quitting and telling me how bad it was. These are on top of the other people I mentioned earlier. So now I am having doubts if this is what I should do.

What other options in the finance field are in demand and make good money? Any other advice is appreciated!


New User Question Deals
g: 0 Posted By: microdvd
Views: 92 Replies: 0 Goldstar: 50% off tix Retro Futura Tour in LA:Thompson Twins' Tom Bailey, Howard Jones & More: '80s New Wave at the Greek Theatre

http://www.goldstar.com/events/83677

Friday August 29, 2014 / 7:00pm
Greek Theatre (Los Angeles, CA)
2700 North Vermont Ave
Los Angeles CA 90027

Go back to the future this summer and experience all the moody synths, lush guitars and gravity-defying hairdos of '80s British new wave live at the Greek.
The Retro Futura Tour brings together the best synthpop bands and performers of the Reagan era -- including
Thompson Twins' Tom Bailey,
Howard Jones,
Ultravox singer Midge Ure,
China Crisis and
Katrina of Katrina and the Waves
-- for one incredible concert under the stars.
From Thompson Twins' "Hold Me Now" to Howard Jones' "Things Can Only Get Better," Ultravox's "Dancing With Tears in My Eyes" to China Crisis' "Wishful Thinking," this fun summertime concert is like a live Memorex mixtape of your favorite British new wave hits of the '80s and beyond.

This is a FOUR HOUR concert !!!

Section B $33.50 ($25.00 + $6.00 service fee + 2.50 agency fee)
Full Price: was $50.00

Section C $24.50 ($17.50 + $5.00 service fee + 2.00 agency fee)
Full Price: was $35.00

http://thompsontwins.co.uk/
http://howardjones.com/

http://www.retrofuturatour.com/
g: 0 Posted By: microdvd
Views: 174 Replies: 0 Groupon :Retro Futura Tour at Cleveland Masonic Auditorium on August 25 at 7 p.m. (Up to 46% Off)
http://www.groupon.com/deals/gl-retro-futura-tour

FROM $12
Some things you just don't want to miss, like a concert by your favorite band or the part of the news where they say why they're showing your picture. Don't miss a beat with this GrouponLive deal.The Deal

One ticket to Retro Futura Tour
When: Monday, August 25, at 7 p.m.
Where: Cleveland Masonic Auditorium
Door time: 6 p.m.
Ticket values include all fees.

Seating Options

$12 for balcony section (up to $21.63 value)
$22 for mezzanine section (up to $40.69 value)
Click here to view the seating chart.

Retro Futura Tour 2014

What it is: a gathering of some of the most popular British new-wave musicians from the 1980s
How you remember Tom Bailey: as the bassist and vocalist of the Thompson Twins, whose super-hits include "In the Name of Love," "Lies,"and "Hold Me Now"
How you remember Howard Jones: from his double-platinum albumHuman's Lib
Jones' Hollywood connection: his song "Like to Get to Know You Well" soundtracked John Cusack fixing his Camaro in the surreal '80s comedyBetter Off Dead
How Ultravox's Midge Ure describes their hit "Vienna": "We wanted to take the song and make it incredibly pompous in the middle, leaving it very sparse before and after, but finishing with a typically over-the top classical ending. The whole thing was a bit tongue in cheek."
Evidence the public might not have picked up on the joke: the single rocketed to the number-two spot, and was later named by Radio 2 to be Britain's favorite song to ever halt at the runner-up spot
China Crisis's claim to fame: the hit single "Wishful Thinking"
How Katrina Leskanich of Katrina and The Waves improved the '80s and water-park lines everywhere: by lending her vocals to "Walking on Sunshine"


http://thompsontwins.co.uk/
http://howardjones.com/

http://www.retrofuturatour.com/
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Capital One - Worst teller experience of my life
Added on : Monday August 11th 2014 01:00:07 PM
g: -2 Posted By: deeder
Views: 91 Replies: 4 Was banking at Capital One. Went into teller to deposit some cash and a check. A transaction which should have taken a few minutes tops took much longer. There were no deposit slips, just withdrawl slips all over so I ask teller if I can make a deposit telling her I don't see any deposit slips. Teller is like oh sorry we see your account has been blocked. And insists on having me mobile deposit the check in branch and had me deal with another person in the branch.

Very unfriendly experience. Service in past was acceptable. Nothing great but actually better than my experiences dealing with other institutions.

With all the banks around, not sure which other one to choose. I hear bad things on all of them combined. But which of the local NYC banks is the least evil where I can deposit CASH + Checks and do more complex international transactions?

TDBank has $100 min checking but seems to have loads of complaints. Citibank was horrific even though it was large. Same for HSBC.

Any suggestions on which the least evil one to use is? I keep funds in a high yielding APY account that is separate for higher yielding returns and a free checking account for local branch access.

Is TDBank which has the longest teller hours actually that bad where they will find a way to fee you hard or keep funds on hold?
Discussion Deals
g: 0 Posted By: ctgolfer
Views: 8 Replies: 0 The Travel Inverter with Built-in USB Port lets you convert DC power to household AC power for charging your electronic devices when away from home.
An LED power indicator lets you track the charging progress.
This device is equipped with 120 watts maximum continuous output power.
A mountable cradle lets you charge things hands-free.
Complete with thermal protection and a cooling fan, this inverter protects your devices from meltdown.

www.sears.com/diehard-120-watt-ultra-slim-travel-inverter-with/p...
Auto Parts Deals

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Wife and Child Moving to UK - Car Advice
Added on : Saturday August 09th 2014 02:00:06 PM
g: 0 Posted By: regularlurker
Views: 111 Replies: 0 Hello FWF,

I am in need quite a bit of advice spanning several topics. I will limit it to just one for this post. Of course FWF is the first place I turn. I've also found the Expat Forum, a great site (not affiliated), haven't posted anything there yet - but will about some other topics. So much going on with business and otherwise it will be good to get the collective unbiased opinions. So, thanks in advance

For business reasons, my wife and child are moving to the UK for a period of time - either ~6 months to 5 years or longer. I am staying in the US for I think at least 6 months. After that it is likely I will join them, or they will join me. It's not tax evasion or anything, this is just how the cookie crumbled.

We both have cars (completely paid for) values. My daily driver (according to KBB) would fetch $20k. Wife's (mom-mobile) would fetch $9k - both sales to private parties, again according to KBB if you believe that site.

My questions: Should I try to sell one of these vehicles, use the $$ to buy another vehicle in the UK for wife? Or, store one of them with a relative (it will be stored outside) and sell or keep it later once plans are firmed up? Meanwhile, lease a car in the UK, or borrow money in UK to buy a car? I have enough cash to buy a $10k or $15k used car but don't really want to do so. Would rather keep the cash as I may need it for other things (lots of uncertainty in the next 6 - 12 months). Or, some other things that are not listed above... ?

Thanks again!



Discussion Deals
g: 0 Posted By: remick
Views: 79 Replies: 0 http://www.amazon.com/gp/product/B00422LGFK

Exploring With GPS presents a practical approach to using the Global Positioning System in the outdoors using mapping GPS receivers, digital topographic maps, and satellite imagery. The book uses realistic scenarios and plenty of screen shots and photos to show you how to find your way in the backcountry quickly and easily. This book is for hunters, rescue teams, hikers, mountain bikers, anglers, geocachers, backpackers, cross-country skiers, snowshoers, boaters, and everyone who uses recreational GPS in the outdoors.

Using GPS, anyone, anywhere on Earth, can find their position within a few feet using an inexpensive hand-held GPS receiver. That simple ability has completely revolutionized every field that uses positioning, navigation, and timing information, including outdoor recreation. Not only can you find your way through the wilderness with unerring precision regardless of weather, location, or time of day, you can work with computers and the World Wide Web to plan your outdoor adventures from home. You can record our trip in the field, download it to a computer, attach labels, graphics, elevation profiles, comments and photos, and then share it with friends or publish it for all to see on the Internet. As a result there is a rapidly growing amount of free trip and backcountry information on the Web. This book shows you how to tap into this remarkable capability to make your own outdooradventures safer and more enjoyable.

This book is revised frequently to keep up to date with the latest advances in GPS and mapping. The author welcomes reader reviews and comments.

Contents:
Introduction
First Things First
Getting Back
Plan Ahead
On the Road
Hitting the Trail
Snow Bound
On the Water
Share Your Trip
Treasure Hunting
The Complete Navigator
Pitfalls
What to Buy
Get Set
How It Works
Into the Future
About the Author
Books & Magazines Deals
g: 0 Posted By: ctgolfer
Views: 79 Replies: 0 Economical and compact, this classic 18.2 cu. ft. Kenmore refrigerator 6880 top-freezer design has improved functionality and modern, updated features. The brightly lit interior and wire shelving helps you find things at a glance. Deep, gallon-sized door bins and a full width pantry drawer give you plenty of storage. The roomy 4.1 cu. ft. freezer features deep door bins, as well as an adjustable rack and more interior space. The Kenmore refrigerator's adjustable and efficient cooling system keeps food fresh and power bills low. You'll love this new take on an old standard.

Gallon door bins easily hold jugs, bottles and gallon containers to help clear the shelves and give you space to stock up
Crafted from a completely transparent plastic, these clear storage bins give you a fast count of whats on hand, while reminding you when its time to stock up
Enhanced lighting gives you a better view of whats inside so you can quickly find condiments, produce, ingredients and leftovers
With a clean back design, this refrigerator eliminates exposed condenser coils that trap dust and lint, for less maintenance and better performance
Slide-out wire storage shelves shift positions and move easily while delivering the support, visibility and airflow needed to keep food fresh and delicious

White
www.sears.com/kenmore-18.2-cu-ft-top-freezer-refrigerator-w/p-04...

Black
www.sears.com/kenmore-18.2-cu-ft-top-freezer-refrigerator-black/...
EXTRA 25% off Disney Sale Items - F/S @ $75 w/code
Added on : Friday August 08th 2014 03:00:05 AM
g: 0 Posted By: ichabod
Views: 284 Replies: 0 Extra 25% off selected sale items at Disney using code EXTRA25. Not a whole lot to choose from, but some great deals for the Disney Lover in your family. Use SHIPMAGIC for free shipping when you spend $75 or more. Shipping costs are too high without spending $75, IMHO.

http://www.disneystore.com/extra-25-off-sale/mn/1010101/

A couple of things I have purchased and think are decent: The personalized beach towels. Mickey Polo for Men (spent a lot more for this at the Park). Vinylmations.

Fine Print:
Here's how to redeem your Extra 25% off Sale Promotion:

Place at least one eligible items in your bag.
Type the Promotion Code EXTRA25 into the promo code area.
The promotion will be applied, if eligible.
Continue shopping or begin checkout.

Extra 25% off Sale Promotion Restrictions: * Offer begins at 12:01 am PST, August 8, 2014 and expires at 11:59 pm PST, August 10, 2014 on select Sale items while supplies last or whichever is earlier. Offer only valid on phone orders and orders placed online at DisneyStore.com. Not valid on purchases made at Disney Store and Disney Baby Store retail and outlet locations. Limit one coupon or promotion code per Guest. Qualifying purchase based on pre-tax, post-discount amount and excludes shipping and handling charges, gift cards, gift wrap and gift boxes, publications, memberships, media, games and accessories, electronics, Disney INFINITY, Disney Theme Park passes, Limited Edition merchandise, select Dooney & Bourke, Vera Bradley, Duffy the Disney Bear Collection, and personalization. Offer cannot be combined with other offers, except with shipping offer. No adjustments to prior purchases. Prices subject to change without notice. Products subject to availability. Merchandise must be in-stock at time of purchase and can only be exchanged for identical item or returned at discounted price with packing slip. Returns and exchanges subject to discount taken at time of redemption. Not valid at Employee Centers. Cannot be combined with Cast Member discount. Coupon or promotion code may not be redeemed for cash. Coupon or promotion code may not be sold, altered, duplicated or copied and will not be replaced if lost, stolen or corrupted. In-store coupon must be relinquished at time of purchase. Use of coupon or promotion code is acceptance of its terms. Offer may be canceled or modified at any time. Void where prohibited.


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g: 0 Posted By: remick
Views: 206 Replies: 0 http://www.amazon.com/The-Twenty-Piece-Shuffle-Poor-Other-ebook/...

In the dark corners of the inner city, the most destitute people in society are searching for anything to numb their hurting souls. And there are some who display the most extreme mix of need and anticipation: the twenty-piece shuffle, a jittery walk marked by wide-eyed desperation, named after the street tag for a piece of crack cocaine.

But the addiction to whatever will numb a troubled spirit is not confined to the streets. Suffering is not bound by social class, and pain is not held at bay by white-picket fences. In a wealthy society that equates money with happiness, we often remain unaware of our own addictions -- the things we chase to sooth our spirits. And while our need may not be as visible, it is no less real.

Greg Paul believes that the rich, the impoverished, and everyone in between can learn much from each other if they're willing to walk together. Join Greg as he takes a look at a remarkable paradox, where the poor can miss their blessedness while the wealthy overlook their own desperate needs, and reveals why God has always called the wealthy and powerful to care for people who are poor or excluded.
Books Deals

Amazon Coupons
LG Optimus F6 $69 FS @Metro PCS YMMV
Added on : Thursday August 07th 2014 10:00:07 AM
g: 1 Posted By: flyhighutah
Views: 313 Replies: 1 Metro PCS NO ACTIVATION REQUIRED
https://www.metropcs.com/cell-phones/phonedetails.LG_Optimus_F6.610214633583.html
If the direct link does not work search 610214633583
Unlock code link $1.40 LINK
Rooting and KitKat Roms Dev LINK

Specs:
1.2GHz Qualcomm Snapdragon S4 Plus Dual Core CPU
1GB RAM
4GB Internal Memory
4.5" 960x540 Display w/ 5MP Rear and 1.3MP Front Cameras
2040mAh Battery
Android 4.1 (Jelly Bean)
Thanks SDELNICK @ SD

Also see below in Member's summary
Cell Phones Deals
g: 0 Posted By: remick
Views: 34 Replies: 0 http://www.amazon.com/dp/B00GNOCIO8/

4.7 out of 5 stars (83 customer reviews)

There are many true things about youtrue things you use to build an identity. Parent. Introvert. Victim. Student. Extrovert. Entrepreneur. Single.

These truths can identify you, your successes and failures, your expectations and disappointments, your secret dreams and hidden shames. But what if your true identity isn't found in any of these smaller truths, but in the grand truth of who God says you are? In other words, lots of things are true about youbut are they the truest?

David Lomas invites you to discover and live out the truth of who God created you to be: you are loved, you are accepted, and you are made in God's image. It's time to move beyond the lesser voices and discover why everything changes when you become who you really are.
--
David Lomas serves as the lead pastor at Reality in San Francisco, a church community that started in 2010 in the Castro District. He lives, with his wife Ashley, in one of the most unchurched cities in the nation, but one that is bursting with new life and grace of God. The Reality family of churches is a growing movement committed to relational church planting and serving the broader body of Christ.
Discover Promo: Spend $2k/month from 9/1 to 1/31 for $300 Bonus
Added on : Wednesday August 06th 2014 10:00:07 AM
g: 0 Posted By: justignoredem
Views: 94 Replies: 3 Anyone else get this promo? It's likely (positively) targetted.

Here is my question: What does FWF think as far as if this is worth it? I could go for a promo that gives more money, but usually it requires signing up for a card that has an annual fee that I have to cancel at the end of the year (or tell them to waive the annual fee or I will close it). Question remains, spending $10k on Discover... does anyone else think this is worth it for $300? This is of course in addition to the 1% CB and whatever 5% promo is going on, but it's still rough. I would probably have to give up things like my 2% grocery card to get the required amount every month.

Thoughts?
Credit Deals
Lender initiated multiple hard pulls
Added on : Wednesday August 06th 2014 09:00:12 AM
g: 0 Posted By: dboston1
Views: 72 Replies: 0 My SO and I are trying to refinance her private student loan debt and filled out an application with SoFi. I've read great things about them and have seen them mentioned repeatedly here on FWF. She filled out the application and we put me on to co-sign with the hopes of getting a better rate.

A credit monitoring service that I subscribe to alerted me that SoFi has now done two hard credit pulls for me, on two separate days. I've called them repeatedly to try and get an answer as to why this happened, and the call reps are always surprised, put me on hold, and then tell me a manager will call me back the same day. Of course, no call backs. Beginning to feel like I'm getting the runaround from them.

My question here is if there's any way they can make this right. Assuming it was an accident, I'm guessing they cannot retract one of the pulls? In which case I'm stuck with that extra hard pull? Would there be any legitimate reason for a lender to do two hard pulls within a 72 hour period?
Personal Finance Deals
Listia 5th Birthday contest - Aug 5, 2014 only - 1,000 free credits
Added on : Tuesday August 05th 2014 01:00:11 PM
g: 0 Posted By: rain74
Views: 216 Replies: 0 Listia is a site like eBay, but "cheaper" both in terms of quality and type of products. Today is their 5th year anniversary, so they are giving away credits for doing the following 5 things (you don't need to do all 5). I received 1,000 credits (about equal to $1) for doing item 5 below by going to the following link: http://www.listia.com/birthday?banner_click=1

1. Log into Listia on August 5th
You earned 50 credits AND the birthday badge!

2. List 3 non-digital items with free shipping (make sure to follow all Listia guidelines so your auctions dont get deleted!)
You earned 555 credits!

3. Refer up to 5 of your friends to sign up for Listia!

4. Win at least 1 item today on Listia (GIN or regular, rewards store not included)
You earned 50 credits!

5. Find our special birthday cake banner ad on Listia and click on it to light a candle!
You earned 1,000 credits!

If you did not sign up on Listia already, you can sign up on their website, or PM me for the link so I can finish step 3 (and you get an extra 250 credits). Thanks!
Surveys & Rewards Deals
g: 1 Posted By: ctgolfer
Views: 175 Replies: 0 WIDE COLOR ENHANCER PLUS
With Wide Color Enhancer Plus, youll witness a wider spectrum of colors on your screen, just like the director intended. Youll enjoy enriched colors while watching your favorite movies and shows, even older non-HD content.
ECO SENSOR
With Eco Sensor, your TV can intelligently adapt its picture according to the intensity of the light in the room. This technology measures the amount of existing light and automatically adjusts the brightness of the image on the TV.

FULL WEB BROWSER
Browse the web on your Smart TV to find the latest content. Enjoy everything from online shopping, social media browsing, entertainment news and the latest YouTube hits. Catch up on the latest content, and then go back to watching TV.

S RECOMMENDATION
S Recommendation uses your preferences to find the movies and shows you'll enjoy. Just ask your TV things like what action movies are on or open the hub to browse suggestions. The more you use it, the more personalized it can become.

SCREEN MIRRORING
The screen mirroring feature allows you to mirror your phone or other compatible mobile devices' screen onto the TVs screen wirelessly. This feature allows you to use your big screen television instead of your devices' smaller screen for showing content, media playback, or other function.

CONNECTSHARE MOVIE
Watch videos, play music or view photos from a USB connection with ConnectShare Movie. You dont need a PC or special equipment just plug your USB directly into your Samsung TVs USB port and entertain family and friends.

HDMI CONNECTIONS
High quality single-cable digital audio / video interface for connecting the TV to a digital cable box, satellite box, DVD and Blu-ray Disc player, PC computers, PC portable devices, new generation tablets and devices featuring the HDMI output. CEC capability permits the control of the TV and component from one remote control handset.

USB CONNECTIONS
Get complete access to all your stored audio files from any USB memory drive or external hard drive. This wide range of compatibility allows you to connect and share content via USB.

WI-FI BUILT IN
With Wi-Fi built right into your TV, its easy to connect to your existing wireless network. Browse the web and access Samsung Apps or other Smart TV features. Wi-Fi makes it easy to enjoy all types of content on demand.

1 COMPONENT IN
Analog video connection transmits HD RGB video using three RCA connections.

1 COMPOSITE IN (AV) (1 SHARED WITH COMPONENT)
Analog video connection transmits video using one RCA connection.

DTS PREMIUM SOUND | 5.1TM DECODING WITH DTS STUDIO SOUND PROCESSING
Delivers immersive 5.1 surround sound from any DTS-encoded content and converts any two-channel audio content into a 5.1 DTS surround sound track for discrete surround sound playback. Experience surround sound with maximum bass response, dialog clarity and consistent volume levels from all your content, including Blu-ray movies, TV programming, streaming and games.


http://accessories.dell.com/sna/productdetail.aspx?c=us&l=en&s=d...
LCD TV Deals

Dell Consumer Coupons
g: 0 Posted By: gtdguy
Views: 176 Replies: 14 Hey Guys,

First time poster here, I just found this by chance searching for business loan stuff, and realized what a cool community you have here. I thought I'd give it a shot and just lay my situation out here.

I've been doing business online for about 10 years now, always trying new businesses, doing new things, narrowly missing huge opportunities etc. I've single handedly been behind projects that have made millions, but I didn't have a big cut, and went years in between without making any money. I started a new business, and I'm positive this is my window. I've tweaked my business, and its currently able to double money in 60 days, sometimes it even does 150% roi. I get paid from famous vendors, people that banks would trust.

Here's the issue: You can't just throw all your money in at once, it has a bunch of tedious logistics associated with it, and it takes months to ramp up. I'm hiring people to help with this, however because the business takes money to make money, and my resources are limited, I'm hiring overseas to keep things cheap. I'm realizing now that there is a window on this opportunity, and I'm positive I could be making millions if I push hard and fast. I need to hire talented, smart people who can think for themselves, are motivated and can help take responsibility for things. To do this, I either need to recruit them with equity, or pay them (which If I paid them, I wouldnt have money to put in the business).

So my first thought, is that I would love to borrow money. I've got excellent credit, and I'm pretty sure my bank thinks I'm a high value customer, despite balances being a bit low now. What are my options? I'm worried my bank wont understand my business, its not exactly easy to understand, and in their eyes maybe they'll see it as risky. But I've got it figured out, its a system, it can grow, and it can be huge. And with these returns, interest rates on loans are silly. So does anyone have advice on how to go about getting loan? Is there anyway I have to present it to make sure I get a loan? Unfortunately I only have history with one bank, if they don't give it to me, I'm not sure how I convince the others. Maybe It's just me thinking small.

But I could really use some other brains on this, what should I do? I feel like I've figured out the hard part, and I want to focus on improviin gthat, but instead im stuck in a game of optimizing and being efficient with cashflow, when the real game should be trying to dump as much as possible in this, and improve the roi and terms at which im paid.

I know its alot, but thanks for reading if you've got this far.
New User Question Deals
g: 0 Posted By: Deals4mykids
Views: 66 Replies: 0 Ten tales of mundane science fiction, of a universe askew, where things are slightly off.

https://www.smashwords.com/books/view/417226

D. Krauss is a former military officer and intelligence analyst currently residing in the Shenandoah Valley.

He's been, at various times, a cottonpicker, a sod buster, a surgical orderly, the guy who paints the little white line down the middle of the road, a weatherman, and a gun-totin' door-kickin' lawman. He's married over 35 years now (yep, same woman), and has a wildman bass guitarist for a son.
Totally Free Deals
g: 0 Posted By: ctgolfer
Views: 161 Replies: 0 Order a Xbox One Console and receive a Bonus Xbox Live 12 Month Membership ($59.96 Value!)

Xbox One: Now starting at $399.Xbox One brings together the best exclusive games, the most advanced multiplayer, and entertainment experiences you won't find anywhere else. Play games like Titanfall and Halo together with your friends on a network powered by over 300,000 servers for maximum performance. Find new challengers who fit your skill and style with Smart Match, which uses intelligent algorithms to bring the right players together. Turn your best game moments into personalized movies that you can share with friends, or broadcast your gameplay live. Then switch quickly between apps like Netflix, Hulu, and Internet Explorer. Or do two things at once by snapping a game, live TV, a movie or apps side-by-side.

The best exclusive games, the most advanced multiplayer, and unique entertainment experiences
Play games like Titanfall and Halo on a network powered by over 300,000 servers for maximum performance
The most advanced multiplayer on Xbox Live with Smart Match to find new challengers
Snap a game, live TV, and apps side-by-side, and switch quickly between them
Includes:

500GB Hard Drive
Wireless Controller
Chat Headset
HDMI Cable
Power Supply
Wireless networking capability



www.walmart.com/ip/Xbox-One-Console-with-Bonus-Xbox-Live-12-Mont...
Xbox One Deals

Walmart Coupons
$229 Toshiba 15.6 Notebook Windows 8.1 with Bing C55-B5299
Added on : Sunday August 03rd 2014 06:00:03 AM
g: 0 Posted By: DaysFan
Views: 123 Replies: 0 Toshiba 15.6 Notebook Windows 8.1 with Bing C55-B5299http://www.radioshack.com/

linkedModel:C55-B5299 | Catalog #: 25-4173Sale Price:$229.99You save:$20.00 (8.0%)Valid until: 08/16/14Basic power, portability and performance.Toshiba's Satellite C55-B5299 15.6" Notebook offers everything a budget-conscious user could ask for - basic power, portability and performance - all at a great price. This PC series comes with all the notebook essentials and is great for Web browsing, socializing, emailing, entertainment and multitasking. Intel Celeron N2830 processor and 2GB DDR3L 1333MHz memory 15.6" HD TruBrite LED backlit display (1366x768) for a great look at things 500GB HDD - room for a nicely sized multimedia library Built-in webcam on this PC makes it easy to Skype and chat live with friends and family Windows 8.1 with Bing and a one-month trial for new Office 365 customers One USB 3.0 port; 2 USB 2.0 ports; HDMI out port; VGA out port Fast Ethernet and Wireless-N connectivity
Laptops Deals

RadioShack Coupons
HFT 25% off until 09/13
Added on : Sunday August 03rd 2014 05:00:03 AM
g: 0 Posted By: logster
Views: 164 Replies: 0 Works on most things but not on their EOM August Parking lot sale. Looking at some of the parking lot sale prices, you actually get a lower price by using the 25% and not waiting for the sale on August 22.
Tools & Automotive Deals

Harbor Freight Tools Coupons
g: 0 Posted By: remick
Views: 182 Replies: 0 http://www.amazon.com/gp/product/B00E1O63MK

4.7 out of 5 stars (19 customer reviews)

When Ben Underwood became blind at the age of two, anyone would have thought he faced a life full of hardship and uphill challengesa world full of things hed never be able to see and activities hed never be able to enjoy. But as far as his mom, Aquanetta Gordon, was concerned, nothing was impossible for Ben . . . and so he accomplished the incredible. Known as the boy who could see with sound, Ben mastered human echolocationthe ability to detect the size, shape and location of objects through the reflection of sound waves. By clicking his tongue and seeing the waves, Ben could ride his bike, shoot baskets, identify objects, and even play video games. Some called it a miracle, but to Ben and Aqua, the real miracles were the otherworldly experiences God gave Benphysical and spiritualthat others couldnt explain. Echoes of an Angel is the remarkable true story of how a child who seemed destined for darkness brought light to the world. Its the story of a single mom who encouraged her son to push beyond his limits, even as her heart clenched with protective love and fear. And its the story of a familys unshakable faith . . . in God and each other.
Books Deals

Amazon Coupons
Nike Lunar Ascend Golf Shoes $49.99 @ Woot
Added on : Saturday August 02nd 2014 10:00:08 PM
g: 0 Posted By: ctgolfer
Views: 213 Replies: 0 shipping adds $5

Ultra-lightweight and durable
Hyperfuse unibody construction
Lunarlon foam core heel offers reactive cushioning
Geometrical spikeless traction
Mesh and synthetic leather upper
Secure lace-up fit
Padded collar
Synthetic linings keep things airy and breathable
Nubbies on the sole ensure sure-footedness
Medium (standard) width

http://sport.woot.com/plus/nike-lunar-ascend-golf-shoes
Shoes Deals

woot! Coupons
SkinnyCow Free Gift Cards
Added on : Saturday August 02nd 2014 07:00:06 PM
g: -1 Posted By: ferretarmy
Views: 120 Replies: 0 Skinny Cow is giving out coupons and gift cards among other things for joining their club skinny program. After joining the site all you have to do is complete the easy tasks such as tweeting a message if you complete all the tasks which takes about 5 minutes you can redeem your first gift card. After completing the initial tasks if you do continue with the site you earn 350 points a day and only need 2500 to redeem a 5 dollar card so its pretty fast for only needing to spend less than 5 min a day on it. It takes 7 business days to receive the gift card if you want to try it out
Food & Grocery Deals
Free Kindle Book- Mary Magdalene: A Novel (was $14.99)
Added on : Saturday August 02nd 2014 06:00:02 AM
g: 0 Posted By: remick
Views: 232 Replies: 0 http://www.amazon.com/dp/B0073UPQMM/

4.6 out of 5 stars (117 customer reviews)

Long maligned as a prostitute or a woman of questionable reputation, Mary Magdalene's murky story seems lost to the sands of time. Now a portrait of this enigmatic woman comes to life in the hands of an imaginative master storyteller. Diana Wallis Taylor's Mary is a woman devastated by circumstances beyond her control and plagued with terrifying dreams--until she has a life-changing confrontation with the Savior.

Lovers of historical and biblical fiction will find this creative telling of Mary's story utterly original and respectful as it opens their eyes to the redeeming work of Christ in the lives of those who follow him.



also free

Unmending the Veil
http://www.amazon.com/dp/B00E80O1CQ/
4.9 out of 5 stars See all reviews (81 customer reviews)

Unmending the Veil implies that somehow the torn Temple veil has been mended. Stitch by stitch, Robin has closed her heart off to God. Years have passed since a nearly fatal attack by her husband, and still, she is paralyzed by fear and grief.
When faced with the command to forgive all things, will Robin be able to forgive the man who nearly killed her, forgive God for taking what mattered most, and forgive herself for her own attempt at murder?


Michal's Window (A Novel: King David's First Wife)
http://www.amazon.com/dp/B007CVT9F2/
4.1 out of 5 stars (115 customer reviews)

A novel of betrayal, forbidden love, and redemption, Michals Window is an imaginative retelling of King David's story through the eyes of the woman who loved him first.


Preacher's Daughter, The (Annie's People Book #1) (Annie's People)
http://www.amazon.com/dp/B00B5J4TZM/
4.5 out of 5 stars (82 customer reviews)

Annie's People Book 1- A new series from The New York Times bestselling author of the ABRAM'S DAUGHTERS series! The Preacher's Daughter begins a remarkable journey of heartache and homespun delight--a series readers will find impossible to forget. Paradise, Pennsylvania, is likened to a little slice of heaven on earth...but for Annie Zook--the preacher's eldest daughter--it seems like a dead-end street. She is expected to join the Amish church, but at 20 she is "still deciding." Because of the strict rules that guide the Plain community, she must continually squelch her artistic passion, although it has become her solace. In her signature style, with character depth and unexpected plot twists, beloved novelist Beverly Lewis once again opens the door to the world of the Amish.


Night Before Dawn (Dawn Series -Book 1)
http://www.amazon.com/dp/B009O8H8LI/
4.9 out of 5 stars (41 customer reviews)

Night Before Dawn is an inspiring novel about a young womans struggle to find peace in the center of tragedy, new life in the midst of loss, and forgiveness in the heart of betrayal

Books Deals

Amazon Coupons
Free Americorps Stickers - Get Things Done For America
Added on : Friday August 01st 2014 03:00:04 PM
g: 0 Posted By: remick
Views: 157 Replies: 0 https://pubs.nationalservice.gov/viewDetail.aspx?ItemNumber=CNA2...
Totally Free Deals
Insurance Loss Values
Added on : Friday August 01st 2014 12:00:06 PM
g: 0 Posted By: NEDeals
Views: 150 Replies: 0 I'm helping out with an insurance claim. The insurance company needs a list of items that were damaged and their values. The list is easy enough to create (everything that was waterlogged), but how do I find the values? Is there an acceptable value schedule for the insurance industry? I don't want to overestimate nor sell things short either.

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

Thanks!
Question Deals
Existing US Airways Cardholders: 15K Points for $1500 Spend -Targeted
Added on : Thursday July 31st 2014 05:00:07 PM
g: 0 Posted By: bindercarrie
Views: 43 Replies: 0 Check your email inbox:

An exclusive opportunity for you to earn an extra reward for using your US Airways Dividend Miles MasterCard. For a limited time, you'll earn 15,000 bonus miles by spending $500 or more in new purchases with your card each calendar month in August, September and October.

Offer is valid for select cardmembers and is not transferable. You will earn 15,000 bonus miles after you charge $500 or more in net retail purchases (purchases that are not returned or rescinded) each month from August 1, 2014 through October 31, 2014. If you do not spend over $500 in any of the 3 months of the promotion you will not be eligible for any bonus miles as part of this offer. To receive your bonus miles, your account must be open and in good standing and you must have paid your annual fee. Purchases made during periods when your account is delinquent or your account is otherwise not in good standing as defined in your Credit Card Cardmember Agreement do not qualify for this offer. Your bonus miles will appear on your statement up to 68 weeks after the end of the promotion. Net retail purchases do not include such things as the purchase of money orders, traveler's checks, foreign currency, lottery tickets, gambling chips, wire transfers, person-to-person money transfers or using the account to obtain a cash advance.
Deal Deals
New rules will require banks, brokers to identify beneficial owners
Added on : Thursday July 31st 2014 03:00:05 AM
g: 0 Posted By: tuphat
Views: 53 Replies: 0 The U.S. Treasury Dept., through the Financial Crimes Enforcement Network (FinCEN), recently proposed rules that will, among other things, require banks, brokers and others to verify theidentity of the beneficial owners of
legal entity customers (i.e., the natural persons who own or control legal entities like LLCs and partnerships).

Of potential concern to those of us interested in financial privacy; not of concern to those that believe "if you haven't done anything wrong, you have nothing to hide."

Proposed rules at: http://www.fincen.gov/statutes_regs/files/CDD-NPRM-Final.pdf

Treasury seems to bedoing administratively what it previously thought required legislative action; see archived FWF topic.

Discussion Deals
everything you buy costs 2-3x as much as without SS, taxes
Added on : Wednesday July 30th 2014 01:00:09 PM
g: 0 Posted By: nicj4070
Views: 0 Replies: 0 Say you buy a car. car's require steel. steel is made from iron ore and coal. Do the people who mine those pay ss and taxes? Yes the do, so do the people who ship those things to the steel plants. do the steel workers pay ss and taxes? of course, so do the people who ship the steel to the car maker. do the carmakers pay ss and tax? sure, so do those who ship the car to the dealer, and so do car dealers, and then YOU PAY FOR ALL OF IT when you buy the car (with money that you've paid ss and taxes on ). If you don't believe me, check prices( on the same stuff you buy here) in China, or Taiwan. You're getting shafted, big time all the time, and you don't even realize it.
liability insurance for rental property
Added on : Wednesday July 30th 2014 07:00:08 AM
g: 1 Posted By: bxd20
Views: 105 Replies: 1 Hello.

My mom just passed away. My parents have a small (888 sq ft) house in FL. My dad is older now and he won't be traveling there by himself for vacation. So the options are to sell it, or, turn it into a vacation rental property and list on vrbo / homeaway.

I am trying to accurately break down all costs to rent it out. We'll need a property manager that is local obviously. There will be things that break, maintenance, etc.

The main focus for my thread however is insurance. This house can't be insured due to proximity to beach and the general hurricane threat. I am willing to risk losing the structure to storm. However, I'm not keen on a renter getting injured and suing me. Let's say my property manager really missed something semi-dangerous, a screw that backed out of the carport supports. Renter walks into it, big gash on head, thousands in hospital bills. Or worse.

What are my options? I am not very familiar with liability insurance or umbrella insurance. Are those what I should be looking at? It would need to protect all of my dad's assets against a freak accident . My dad and I are both quite risk averse, so the idea is a little worrying. But the area is in good demand, there are other homes on vrbo, and it would be a nice income stream.

All comments are appreciated!
Personal Finance Deals
g: 0 Posted By: ctgolfer
Views: 73 Replies: 0 Features:
- Goes where you need it to go; laundry room, garage, basement, etc.
- 5 shelves, each holding up to 66 lbs evenly distributed
- Each shelf is adjustable in height to meet your specific needs
- 4 smooth rolling caster wheels (2 with locks)
- All hardware included, easy to assemble
- Stores things really well

Specifications:
- Overall: 29 1/2" x 13 5/8" x 59"
- Weight: 19 lbs
- Color: Chrome

www.ebay.com/itm/5-Tier-Metal-Wire-Rolling-Shelf-Storage-Kitchen...
Home & Garden Deals

eBay Coupons
Looking for tips on saving money on trip to Beijing, China
Added on : Tuesday July 29th 2014 07:00:08 AM
g: 0 Posted By: FamilyOfSix
Views: 8 Replies: 0 I will be visiting China for 1 week in late September. Having just started doing my research and planning, I am looking for tips and advice, mainly on strategies for maximizing my travel dollars. Here are some things I've learned so far:

- Accommodation seems to be on par with North America. I'm looking at $50 per night for budget hotel on up to $200+ per night for higher end hotels.
- I will probably visit Datong and Pingyao, taking the overnight train. This has the benefits of: accommodation + transport in 1, and saving time on travel.
- I will try to avoid eating western food in tourist destinations
- I want to do a lot of shopping and will barter pretty hard. I've heard that I should pay between 40% and 60% of the original asking price.
- Transportation is a big question mark for me. I have heard that the subway is cheap and convenient. However, a good friend was able to hire a tour guide and driver for a total of just $50 per day. This seems insanely cheap and the benefit of a 'professional' tour with all the commentary and convenience.

Any other tips related to Beijing, Datong, and Pingyao very much appreciated.
Discussion Deals
g: 0 Posted By: SgtAw
Views: 199 Replies: 0 I think this is a good deal.

We were looking to organize our kids stuff for school and found these chalkboard labels on sale for $11.95

Got this code from their Facebook page that reduces the price to $1 -RYKCBGS7 (use it at check out).

http://www.amazon.com/Unique-Chalkboard-Labels-Stickers-Designer...

Is this HOT? I guess if you are into these things!
Office & School Supplies Deals

Amazon Coupons
Iris/Dark Night Leather Glam Zip and Go Pouch is crafted in textured gradient colored leather, designed to throw inside a larger bag for easy access to the little things or worn as a clutch for a night out. Featuring top zip closure, external pocket and detachable wristlet strap.
13Deals-Universal Fit Auto Pet Barrier -$9.99-Ships FREE!
Added on : Monday July 28th 2014 07:00:05 AM
g: 1 Posted By: GraPaJo
Views: 154 Replies: 0 Universal Fit Auto Pet Barrier - Keeps Your Dog In The Backseat! Ships FREE!

http://www.13deals.com/store/item.php?id=38488

$9.99

Retail: $24.00

You save: 58%

Product Info:

Despite the bumper stickers proclaiming otherwise; dogs do not make good co-pilots! Keep your furry friends in the backseat where they belong with this Universal Auto Pet Barrier by Fine Pet Products! Fits any car and installs in seconds and has pockets for your pet related goodies like leashes and treats. There is even a mesh screen so your dog can keep tabs on what's going on in the front seat and vice versa!

Product Details:

Universal - fits all cars
Installs in seconds!
Pockets for holding things like leashes and treats
Mesh screen for 2 way viewing between front and back seats
Makes for a happier, safer journey!

Pets Deals
Amex Gold Card Retention
Added on : Monday July 28th 2014 06:00:10 AM
g: 0 Posted By: Fobinator
Views: 89 Replies: 2 Hey FW's

I'm debating on whether to keep my Amex Gold Card and it's 175 dollar annual fee. I do like AMEX's customer service and benefits on the card, but I'm finding that I'm using my Venture Card a bit more. I'm also trying to keep an eye out on one of these AMEX platinum 100k MR offers - I've heard conflicting things about eligibility, specifically, that you can't have a gold/platinum account for the previous 6 months.

I called in and I got the following offers -

50 dollar credit now, and if I spend x amount of dollars, another 50 dollars credit - so the annual fee would only be 75
or
10k membership rewards points and an additional 5k for spending 2000 in 60 days.

Any thoughts on what I should do?


Credit Deals
g: 0 Posted By: remick
Views: 1 Replies: 0 http://www.amazon.com/dp/B00M4ZHPFW

Living in Nightmares: The Jones Story

The frightening, true story of a family doomed by evil, madness, abuse, insanity and finally death. Living In Nightmares: The Jones Story is the factual account of the story of the children of Richard E. Jones by his first wife Virginia, written by his eldest daughter, Dee Lynn. Nothing can prepare you for the things that come to light in this story.

The twist in the story is the demonic presence that plagued the family. Was the father possessed? Some family members say that he was absolutely without a doubt. Strange changes in him would bring about a vicious, dangerous man. He had never drank alcohol or used drugs ever. This was a possession if ever there was one.

The first born child, a son would end the torturous abuse in October 2011 during their final altercation. Abused for fifty years of his life he would fight back for once and the evil would be done but the abuse would continue it seems from the father's grave.
replacing or rebuilding transmission
Added on : Sunday July 27th 2014 04:00:07 PM
g: 0 Posted By: davidbeckham
Views: 87 Replies: 1 I had my transmission with only 70K miles out from my Kia 2008 spectra a few weeks ago and was quoted from $1200-1800 for repair in NYC, and I ended up paying $1200 for them putting in a used one with 50K miles on it. There is a couple things I noticed while shopping around. Some Auto Body was only offering me for rebuilding tranny for $1600-1800, and others told me that usually they would look for a used one first and then if there wasn't any available they would look into the rebuilt option because a high percentage of rebuilt transmissions fail after a year or two . I understand that rebuilding costs more so that the shop would earn more from labor. Other than that, Is there any incentive for shops to push for rebuilding rather than getting a used one? Why did those shops not like to offer a used replacement first? I am trying to get some insight into this industry and figure out who is the honest guy here.
Question Deals
Octagon Pet Pen with Removable Top - was $87.57, now $29.99 - Woot
Added on : Sunday July 27th 2014 12:00:03 PM
g: 0 Posted By: pbmc
Views: 100 Replies: 0 Octagon Pet Pen with Removable Top - was $87.57, now $29.99 - Woot

66% off list price
Link: http://home.woot.com/offers/octagon-pet-pen-w-removable-top-sage-3

The octagon pet pen is a wonderful place for your small dog or cat. It is vented on all sides and the top can be left open or closed. The front door allows for easy access when opened. It is a great travel pen and easy to set up and take down for quick access.

Folds completely at for easy storage and portability
Front-zip door can be left open for easy access or closed for containment
Removable top is partly vented and provides shade from the hot sun
Side storage pockets provide a place to keep things you might need to care for your pet handy
Interior is water-resistant
Made of 600 denier nylon
Travel-friendly
Lightweight and portable

Shipping Note: Shipping to Alaska, Hawaii, and APO addresses is not available for this itemWarranty: 90 Day Woot Limited Warranty
Pets Deals

woot! Coupons
g: 0 Posted By: imagine1128
Views: 209 Replies: 0 Linens-N-Things
Save 25% with code BIG25 (expires 8-1-2014)
Dream Soft Super Soft Towel
30" x 54" Bath Towel Price: $5.24
13" x 13" Wash Towel Price: $2.99
16" x 28" Hand Towel Price: $4.12
(Set Total- $12.35) 2% FatWallet CashBack

Product page link

COLORS : White, Sunshine, Sand,Petal Pink, Gray, Basil, Bluemoon
Reviews- 5 OUT OF 5
This Super Soft towel is Made of 100% Cotton. Features our dream soft technology, a low impact spinning technique that allows for superior absorbency and low linting.
100 % Cotton
Dream Soft Technology- Superior Softness and Low Linting.
Machine Washable
Home & Garden Deals

Linens 'n Things Coupons
g: 0 Posted By: imagine1128
Views: 128 Replies: 0 Linens-N-Things

Set of 5 Black Flocked Suit Hangers
$ 7.99 SAVE 25 % WITH CODE: BIG25 (expires 8-1-2014)
TOTAL= $5.99 + 2% FatWallet CashBack
Free Shipping

PRODUCT LINK

Model:6478-1621-5-BLK
Set of 5 flocked suit hangers hold suits, slacks and jackets firmly on the hanger.
Plastic hanger with flocking layer
Chrome hook
Color- Black
Product Measurements: 0.24"Lx17.75"Wx9.63"H
Care Instructions:
Wipe clean
Home & Garden Deals

Linens 'n Things Coupons
TomTom 4.3" Start 40M GPS w/ Lifetime Map Updates $99.99 w/FS @ Sears
Added on : Saturday July 26th 2014 09:00:03 PM
g: 0 Posted By: ctgolfer
Views: 67 Replies: 0 Map coverage: Pre-installed map of the United States
Free lifetime map updates: Get the best directions possible. Your TomTom device will receive free updated maps for the life of the device. So you'll know where there are new roads, or road changes, on an ongoing basis
4.3 in. touchscreen: The touchscreen technology on this 4.3 in. GPS assures that it's easy to operate, while the larger screen gives you a better view of the road. So sit back and enjoy, knowing that you've got the world's best navigation at your fingertips
Advanced Lane Guidance: Never miss your exit or turn with Advanced Lane Guidance. It shows you exactly which lane to take before you approach an exit, turn or difficult intersection, so you can stay on the right path
IQ Routes: The world's largest database of real travel times is built into every TomTom device, which means you'll get the fastest routes and most accurate arrival times every time. It's genius
Points of Interest: Your pre-installed map has Points of Interest (POIs), from gas stations to hotels, so you're able to find what you want. You can also download additional POIs from TomTom Home
Map Share: Some things change overnight and can delay your journey. Map Share helps you deal with the more frequent road changes. Daily map changes include dynamic updates like new speed limits and blocked roads. Avoid detours and get to your destination even faster
Includes TomTom Start 40M, mini-USB cable, USB car charger, documentation, adhesive disk, fuel prices voucher and EasyPort mount

www.sears.com/tomtom-4.3inch-start-40m-gps-w-lifetime-map/p-0572...
GPS Deals

Sears Coupons
resturants
Added on : Saturday July 26th 2014 06:00:08 AM
g: 0 Posted By: mason4life
Views: 105 Replies: 0 Are there any resturants like Jack N The Box, McDonalds and so forth offering free things
Totally Free Deals
5/5 vs 15/15 vs 30
Added on : Friday July 25th 2014 10:00:12 AM
g: 0 Posted By: pucelle
Views: 258 Replies: 4 So I'm a first time home buyer and decided to buy new construction townhouse in a planned new planned community where I had been looking at apartments. As such, I got a pre-approval from a broker I had met and was waiting until I got a closing date/finishing date from the builder before I went any further. I'm currently going through underwriting with said broker (which I found out is a Wells Fargo affiliate) and just got word the townhouse will be completed next month with a close date of the beginning of September. So I figure now is the time to start looking around at rates and I was originally looking at the 30 year fixed even though I know that I hope to be the house for 3 years and ideally 5-7 before moving to a different state or out of the country. Given that, it doesn't really make sense to me to get a 30 year fixed and when I was looking around I saw the 15/15 from PenFed and the discussion on this site regarding it. 5/5 ARMs seem to also be popular with the increase caps at 2%.

Since for me this is totally not a planned thing and more of a impulse due to timing (last group of townhomes in developement, end unit in the perfect location for me) I haven't been able to do the usual research I normally do for financial things and have decided to outsource some of the legwork. When I looked at the ARMs before, I had only known about the 3/5/7& 1 arms which never really appealed to me but the 5/5 seem like a better deal. The new 15/15 from PenFed also looks interesting but I'm guessing I will need to run numbers to see what makes sense. Which brings me to the next question; Obviously, when comparing mortgages and rates you need to plug in the numbers and look the whole picture but I'm a little confused at what whole picture I should be looking at. What's the breakeven point that people keep talking about? The only definition I am aware of for the breakeven point comes from the investment world and I wouldn't think it would make sense here; or does that only apply to refinancing? What type of things should I be considering when looking at the numbers?

Purchase Price: $282k
Down Payment: 10%
Monthly After Tax Income: $6k
Time in home: 3-7 years
Monthly Expenses: $2,065 (non-discretionary;e.g. car, utilities, student loans, etc)

I know that I could have gotten an existing townhouse in the neighborhood cheaper for the most part but the market is tight where I am so most people are paying above listing price and none of the places I looked at were worth the listing price. My credit is only average so I know that I don't qualify for the best rates. Chase quoted me 4.75% on a 30 year fixed with a mean CS of 670.
Personal Finance Deals
LivingSocial's Birthday Sale: Extra 20% Off Purchase
Added on : Friday July 25th 2014 10:00:05 AM
g: 3 Posted By: ShoppingChick
Views: 355 Replies: 0 LivingSocial's Birthday Sale has Extra 20% Off Purchase with coupon code LSBDAY.

Expires 7/27/2014. Max savings of $20
Home & Garden Deals

LivingSocial Coupons
g: 0 Posted By: remick
Views: 0 Replies: 0 Beyond Basics: A Guide to Eliminating Excess, Living on Less, and Loving It
http://www.amazon.com/gp/product/B00K1LG0U2

End your relationship with clutter, debt, and overspending. In Beyond Basics: Eliminating Excess, Living on Less, and Loving It, you'll find more than 200 frugal living tips, along with down-to-earth advice for clearing your home and your life of the clutter and bad habits that are weighing you down.
By living well within your means, you will open the door to greater wealth, better health, and an immense sense of satisfaction with life as a whole.
Many books on frugal living focus solely on helping you save money. This one is different: It is meant to serve as a roadmap you can use to completely redesign your life so you have less of what you don't want and an unlimited supply of whatever it is that is most important to you.
Whether you want to spend less time at work and more time enjoying time with your family or pursuing your life's true passion, this book was written with you in mind. No matter what your version of the simple life looks like, you'll find exactly the practical advice you need for getting rid of things and habits that no longer serve you and for focusing on the things that matter most.
Learn about your relationship with the "stuff" you've accumulated, then begin clearing space so you can live the way you've always wanted to. There is luxury to be found in simplicity, and this book will help you to discover it.



Getting Organized: Improving Focus, Organization and Productivity
http://www.amazon.com/gp/product/B003OIC74W

Getting Organized is a collection of simple ideas that address at least six major issues that could be generating chaos and disorder in your life. The ideas are presented in a simple format, with specific suggestions on how to put each idea to work, so busy people can find the time to read and try them.

Even if you've tried unsuccessfully to get organized before, consider reading Getting Organized. You'll find effective solutions to your organizing challenges and will enjoy the benefits for years to come.
Staples great deal (if you are a NY State agency)
Added on : Thursday July 24th 2014 04:00:11 AM
g: 1 Posted By: stormdog123
Views: 153 Replies: 2 http://online.wsj.com/articles/when-staples-offered-items-for-a-...
wall street journal said: Staples Inc. made the State of New York quite a promise: Buy your office supplies from us, and we'll sell you a bunch of things for a penny apiece. This unleashed a rush on the retailer as government offices and qualifying organizations across the state gobbled up the one-cent items. A Brooklyn charity benefiting disabled people ordered 240,000 boxes of facial tissue and 48,000 rolls of paper towels, according to documents obtained in a public-records request. Rome, N.Y., wanted 100,000 CD-Rs. A State Department of Motor Vehicles office ordered 8,000 rolls of packaging tape.


I think someone is going to be fired.

Discussion Deals
g: 0 Posted By: jisab
Views: 101 Replies: 0 http://www.petsmart.com/cat/repellents/nature-s-miracle-trade-ju...


DETAILS


This deterrent spray discourages your cat from destructively scratching things in your home. The spray is a great training tool and is safe for use around children.This Nature's Miracle No-Scratch Deterrent Spray is an easy way to make your cat stop scratching your furniture, carpets and curtains. Spraying it in areas where your feline friend frequently scratches discourages your cat from repeating the unwanted behavior. The long-lasting formula will keep working even after you spray.

For use with cats
Eliminates the scent cats leave behind when they scratch
Safe for use around pets and children
Spray on area or object where cat frequently scratches; repeat as needed; keep cat's nails trimmed and provide a scratching post (not included) for an alternative scratching location

Caution:
Do not spray directly on animal

Available in an 8-fl. oz. bottle
Pets Deals

PetSmart Coupons
Life insurance - where to start?
Added on : Tuesday July 22nd 2014 05:00:07 PM
g: 0 Posted By: peteron
Views: 130 Replies: 0 Hi Fwers, the other day I read an article on the cost of raising a child in the states, and the article has the idea of buying life insurance, so that the financial security of a family wont get hurt if anything bad happens to the parents. My wife and I are both in the 25-30s, and I recently started to work. My wife is in her final year in graduate school. We have a 2 year old. I never had any experiences in life insurance, and I donot think my parents have ever had it for themselves or me. My wife and I donot have health problems, but I had a chronic disease when I was little. I was treated but not cured (since it is not curable), so there might be a chance it may come back. And you know, bad things could happen to good people...I feel I (and mybe my wife as well) need to get into the life insurance market.I sometimes get ad booklets from my bank (alliant credit union), but I never looked at it. I want to hear about what people here say about buying life insurance. Where should I start? Are there any good options now?
Question Deals
g: 0 Posted By: remick
Views: 138 Replies: 0 PLAY The Discipline Solution: A New System Motivates Children to Do Chores while Teaching Life Skills & Self Discipline WITHOUT Cash or Spanking
http://www.amazon.com/PLAY-Discipline-Solution-Motivates-Childre...

5.0 out of 5 stars (9 customer reviews)

This ready-to-use kit is a job, financial & legal system that teaches children life-skills & self-discipline while giving parents an easy way to discipline children.

For Parents:
Strengthens respect without resentment
Transforms conflict into cooperation
Provides structure with rules and boundaries
Fosters encouragement instead of demands
Implements discipline without spanking or yelling
An on-the-spot tool to organize & manage chaos

For Children:
A fun & easy way to learn
Teaches money management, math & life-skills
Raises accountability & self-discipline
Nurtures a sense of pride with independence
Deflects disagreements & false sense of entitlement
Provides a way to earn all privileges
Inspires thinking before acting
Moderates unhealthy things such as the use of video games, computers, sweets, & more.


According to the Clark University Poll of Parents of Emerging Adults --

"74% of parents say they provide financial support to their 18-29 year old children."

This may be due to the "Entitlement Epidemic" that we've recently been hearing about.


This kit was created to help decrease the issue of entitlement. It will help kids learn money management, life-skills, self-discipline and math at the same time. It helps children gain responsibility for their actions without the parent feeling the need to spank or stress so much.

The system within this book is based upon the job, monetary and legal system that adults operate within today; and it's been broken down to a child's level. It gives hands on experience to children while teaching them about self-sufficiency, life-skills, money management, earning and moderation. by bringing real life responsibility to a child's level of understanding.

This toolkit provides motivation for kids to help out with household chores and to take on responsibilities independently -- without paying a cash allowance.

Once you begin using this system, you can say 2 words that in most situations will get your kids to listen to you almost instantly.

The toolkit includes charts for chores as well as a pay, price, and fine lists, facts, rules, currency, and discipline tips for parents. Everything has a set pay, price and fine. Everyone with kids or planning on having kids can benefit from this system.

The charts make it simple to start using immediately and kids love the idea of it too.

Research and studies have been done to make this system cater to a child and parent's needs. It's been tested, tweaked and rewritten many times over the last few years to narrow things almost down to a science.

Having the knowledge of life-skills and money management are just as important as the things children learn in school because the job market and financial world is ever changing and becoming more and more competitive every day. It's essential for children to start learning life skills as soon as possible, so they can have a jump start on how things work in the real world. If they don't learn these essential life-skills now, their life and yours may be harder now, and later down the road. This is why I felt the need to share this system with the world.

Let's arm our children with tools for success; while you gain some relief. This book and kit is a positive and educational solution. PLAY "The Discipline Solution" Really does work.
Totally Free Deals
g: 0 Posted By: Xenocrates
Views: 79 Replies: 0 Maverick ET-733 Long Range Digital Wireless Meat Thermometer Set- $54.99 AC FS @ Amazon (DB Roth)

Coupon Code:M3ZAPIPV


Set includes receiver, transmitter, 2 hybrid probes, 2 grill clips
Monitors 2 things at once! 1 food & 1 BBQ; or 2 foods; or 2 BBQS
3-foot probe wires are rated for 716F
Settings are stored even when receiver is off
Customize preset temperatures to personal taste
Adjust temperature settings by pressing HI or LO
Alarm alerts you when preset temperature is reached
Loss of signal alert sounds if you go out of range for more than 60 seconds
Generous 300-foot wireless range
Select between F and C
AAA batteries included

Review: BBQ Sauce Reviews

4.2 / 5 Starswith 138 Customer Reviews

The next best price from a rated merchant on Google Shopping is full price ($69.99) and is available from multiple merchants.
Electronics Deals

Amazon Coupons
First Gear Motorcycle jacket $30 net after giftcard
Added on : Monday July 21st 2014 01:00:04 PM
g: 0 Posted By: LORENW
Views: 215 Replies: 0 Motorcyclegear.com
Having trouble viewing? Open in a web page by clicking here. Almost Free #29

FirstGear Rush Mesh Jacket,Net Cost Just $29.95!Summer is coming to an end, so we thought we'd throw out a red hot deal while you can still get some use out of your summer gear this season! The deal is: Buy this jacket for $179.95 plus shipping and you'll get a $150 gift card in return to use towards a future purchase, so your net cost is just $29.95 plus shipping! This jacket went on closeout a few weeks back. We like this product and decided to buy the whole lot. That's how I can offer you this great "Almost Free" deal today. But it won't go on for long... so hurry!The Rush Mesh Jacket is designed for hot weather use. The entire shell of this jacket is constructed of flow through mesh material so youll get the most flow possible out of a protective jacket. I find that wearing a full mesh jacket like this will also help protect from sunburn and windburn. This jacket also has a removable windproof/waterproof full sleeve liner. When things cool off a bit, you can install the liner to widen the comfort temperature range. And with a layer underneath you could wear this jacket down to cool temperatures.









Nearly every size available in mens Small thru XXXL in these three colors. Tall sizes are available too!

Fine Print: Here are details on how the Promo Gift Cards are issued. You can request the gift card as soon as you've received your order and confirmed you will be keeping it (not exchanging or returning). If you don't make an early gift card request, it will be automatically issued in 30 days.

Restrictions for this Almost Free Sale:
1) We do not allow you to purchase this product with a Gift Card issued as a result of this sale or any prior "Almost Free" sale (our cart will allow it, but we will subsequently cancel the order, so please don't make us jump through that hoop!);
2) Likewise, you cannot purchase this or any future "Almost Free" sale item(s) with the Gift Card issued as a result of this sale;
3) Orders not eligible for free shipping. Shipping charges apply to all shipments from our TX warehouse including this jacket. You may add extra merchandise, but shipping will be charged. Merchandise shipping from other locations is eligible for free shipping (if over $89);
4) Any percentage off coupons you may hold may not be applied to the purchase price of this item (although other items in your order may be discounted if not otherwise excluded by brand);
5) This sale is for our private customers/consumers. Purchases from resellers are not welcome and will be cancelled. Limit 2 per customer please!

Your cooperation is appreciated:There are a lot of outstanding Almost Free gift cards. Admittedly, we don't have special software in place to prevent an order from being placed with a previous Almost Free gift card, but we do manually screen all orders placed using store credits. So please, save us both some time and don't use those previous Almost Free Gift cards!


Here's Why You'll Love Shopping With Us: Expert Product ReviewsFree Shipping/Easy ReturnsGreat CloseoutsEarn Cash, Sell Used Gear in the Customer's Closet

Personal Customer Support
Family Owned/Operated for 15 Years
Thanks for your business!

Paul Thompson, OwnerMotorcycleGear.com
New Enough, LTD
405 Clovis Road, Unit 83
Shallowater, TX 79363


Corp To Corp versus 1099 Sole Prop Consulting? Pros/Cons?
Added on : Sunday July 20th 2014 07:00:07 PM
g: 0 Posted By: robronson
Views: 33 Replies: 0 I'm currently doing 1099 consulting. I've considered doing Corp To Corp (C2C) consulting such that I can form an S-Corp, hire myself as a W2, pay for things such as HSA Contribution pre-FICA tax, retain some of the money in the business to avoid SE Tax, and also to enroll in state unemployment because I believe my line of work will be dying out in the next 6 to 36 months. I see UI as a net positive given the tax-deductible cost of enrolling a single employee compared to 6 months of payouts when my consulting work eventually dries up.

Further, I work through third-party consulting firms through a loose relationship where they land me gigs, and a few of these consulting firms do not offer 1099 relationships, only W2 (through them) or C2C. I refuse to be someone else's W2.

Third point is I started a thread earlier this year that fizzled out, where I suggested it may be beneficial to have two separate entities to perform consulting through, such that you may be able to reduce state income tax. For example, perhaps you can do work in NY/CA through your S-Corp, max out your HSA contribution, Employee and Employer 401k Contribution, etc, through that S-Corp, and then the second part of the year, if you do work in TX/FL, you do it through your Sole Prop without any deductions. In theory, if you did everything through one entity, you'd have to reduce your 401k contributions/etc across all income equally such that you only get to deduct a portion of your deduction against your NY/CA income versus if you separated entities, you could say the S-Corp got all of those tax benefits and reduce taxes owed to the high-income tax states.

Fourth point is the ability to mess with income tax withholding through your S-Corp. Suppose you work Jan through August as a 1099 and decide to pay nothing in quarterly taxes. But then you withhold your entire paycheck from your W2 September through December and mail those to the IRS biweekly. I know married couples do this trick where husband does 1099 and underpays quarterly taxes and wife adjusts her withholding the last few months of the year to compensate. No penalties. Not sure if this works as an individual.

My biggest concerns with using an S-Corp are:

1) If I have to register as a foreign entity in each state I do consulting in. That seems like a hassle, and expensive. I think California was $500 to register as a foreign entity per year. I am nearly certain as a sole prop this is not necessary.

2) How difficult doing payroll for myself as a W2, filing UI payments with the state, etc. I've never used an accountant. I prefer learning things myself and handling as much as I can, and so far as a 1099, it's cake. I prefer this because as a true fatwalleteer, I use my understanding on a daily basis to plan the year out. I don't wait until April of the following year to talk to my accountant only to learn I should have done something differently the previous year. Doing things myself has a huge net positive benefit that exceeds the cost savings of paying for the accountant.

3) Anything else I missed?

Tax Deals
25% Off Any Order A/C @ Gap
Added on : Sunday July 20th 2014 03:00:03 PM
g: 0 Posted By: hellokitty27
Views: 297 Replies: 0 Today only, Gap is offering 25% Off Any Orderw/ coupon code CHIRP. Free shipping on orders $50+.

Exclusions include Final Sale Items and Jeans (among other things).
Clothing Deals

Gap Coupons
Job Resignation Cirumstances
Added on : Saturday July 19th 2014 09:00:12 AM
g: 0 Posted By: Dus10
Views: 103 Replies: 1 To keep a long story short, my wife has had significant health issues for seven years. At times they are worse and they are currently getting there. She is a nurse and as things have gotten worse she has missed some work and despite stellar performance and accolades from the doctors she works with was placed on a sort of probation due to some absences (all backed up with medical documentation). She has an upcoming surgery and she was planning to take leave for that period and had approval for that time off. She changed her mind as she found out she would have subsequent unrelated surgeries in the following months and put in her two weeks notice. She worked through the notice and it was obvious that she was being treated poorly because they had her floating to other departments every day. On her last day, she was signing her paperwork finalizing her resignation and it was stated in the documentation that she would be ineligible for rehire; as her boss wasn't present, nobody could give her an explanation other than her boss indicated she would know why.

Normally, I would be concerned with such a thing, but she works for a very large health system and this will significantly reduce her employment options going forward, should she decide to return to the workforce. Since all of this is due to her health, it really seems inappropriate. What sort of direction should be take? Should we consider speaking with an employment attorney to get this removed from her employment record? All of the doctors loved working with her as she was competent and hard working... I could easily see them being appreciative of having her as a nurse on their staff in the future as they work at multiple hospitals (all within the same system) and she could simply work in a different office.

It really seems like they were trying to get her to quit prior to her notice so that they could have a more legitimate reason for the statement in her employment record. As we have little desire to move elsewhere, this sort of thing will be very problematic as there are only three other major health systems in the area and they all pretty much control everything in the area, whether that is nursing homes, doctors offices, etc.
Question Deals
g: 0 Posted By: ILoveToRead
Views: 101 Replies: 1 If you like Epic Fantasy Genre here are some deeply discounted and even free books (and audiobooks) with links to many platforms. I personally prefer Google Play, but many like Amazon more so I include that plus a few more platforms for those like myself. All but the last one are things I read and recommend. I will add more in a bit either here, wiki or comments.
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$2.99. Awesome deal given how HUGE the book is (it's 1005 pages, the size of most Trilogies!) , not to mention how good!
The Way of Kings
Brandon Sanderson
4.5 out of 5 on google play

Widely acclaimed for his work completing Robert Jordans Wheel of Time saga, Brandon Sanderson now begins a grand cycle of his own, one every bit as ambitious and immersive.
Roshar is a world of stone and storms. Uncanny tempests of incredible power sweep across the rocky terrain so frequently that they have shaped ecology and civilization alike. Animals hide in shells, trees pull in branches, and grass retracts into the soilless ground. Cities are built only where the topography offers shelter.
It has been centuries since the fall of the ten consecrated orders known as the Knights Radiant, but their Shardblades and Shardplate remain: mystical swords and suits of armor that transform ordinary men into near-invincible warriors. Men trade kingdoms for Shardblades. Wars were fought for them, and won by them.
One such war rages on a ruined landscape called the Shattered Plains. There, Kaladin, who traded his medical apprenticeship for a spear to protect his little brother, has been reduced to slavery. In a war
that makes no sense, where ten armies fight separately against a single foe, he struggles to save his men and to fathom the leaders who consider them expendable.
Brightlord Dalinar Kholin commands one of those other armies. Like his brother, the late king, he is fascinated by an ancient text called The Way of Kings. Troubled by over-powering visions of ancient times and the Knights Radiant, he has begun to doubt his own sanity.

Google Play
https://play.google.com/store/books/details/Brandon_Sanderson_The_Way_of_Kings?id=OHclhBVv-X4C
Amazon Kindle
http://www.amazon.com/Way-Kings-Stormlight-Archive-Book-ebook/dp...
iTunes Bookstore
https://itunes.apple.com/us/book/the-way-of-kings/id376229549?mt=11

Kobo and BN Nook are $8.99 sadly, but proves the point of how hot this is I think.

Also, for those who like audiobooks once you get the Amazon Kindle 2.99 book, they will allow you to buy the audiobook version for $12.99, which is usually a whooping $63.93.
http://www.amazon.com/The-Way-Kin...150&sr=1-1

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FREE
The Sorcery Code (The Sorcery Code: Volume 1)
4.5 out of 5 on google play
***FREE for a limited time to celebrate the release of The Spell Realm (The Sorcery Code: Volume 2)***
From the internationally bestselling authors who brought you the Krinar Chronicles comes a captivating tale of intrigue, love, and danger in a world where sorcery is entwined with science . . .
Once a respected member of the Sorcerer Council and now an outcast, Blaise has spent the last year of his life working on a special magical object. The
goal is to allow anyone to do magic, not just the sorcerer elite. The outcome of his quest is unlike anything he couldve ever imagined because, instead of an object, he creates Her.
She is Gala, and she is anything but inanimate. Born in the Spell Realm, she is beautiful and highly intelligent and nobody knows what shes capable of. She will do anything to experience the world . . . even leave the man she is beginning to fall for.
Augusta, a powerful sorceress and Blaises former
fiance, sees Blaises deed as the ultimate hubris and Gala as an abomination that must be destroyed. In her quest to save the human race, Augusta will forge new alliances, becoming tangled in a web of intrigue that stretches further than any of them suspect. She may even have to turn to her new lover Barson, a ruthless warrior who might have an agenda of his own . . .

Google Play
https://play.google.com/store/books/details/Dima_Zales_The_Sorcery_Code?id=tOYiAgAAQBAJ&hl=en
Amazon Kindle
http://www.amazon.com/Sorcery-Code-Fantasy-Romance-Intrigue-eboo...
Kobo
http://store.kobobooks.com/en-US/ebook/the-sorcery-code
iTunes Bookstore
https://itunes.apple.com/us/book/the-sorcery-code/id748224494?mt=11
BN Nook
http://www.barnesandnoble.com/w/the-sorcery-code-dima-zales/1117...

If you like audiobooks, in this case, after you get the free book on Amazon, you can get the audio for $1.99 (it's usually $19.99)

http://www.amazon.com/The-Sorcery-Code-Fantasy-Intrigue/dp/B00HK...

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FREE
The Prince of Ravens (The Exile Trilogy) by
Hal Emerson
The Prince of Ravens has vanished.
4.7 on Amazon
Word spreads quickly from the Fortress of the Empress, through the dark streets of Lucien, and to the far corners of the Empire of Ages. The Children are summoned to the Fortress, and the people talk in muffled whispers, if they dare to talk at all, of secret plots and ancient prophecies. Some say the Prince was murdered, others that he was kidnapped; but underneath it all runs a darker word, one full of terrifying possibility:

Exile.

Rumor begets rumor, and soon the whisper of truth is lost in the swirling winds of growing fear. For the Prince of Ravens is the prophesied Lord of Death, and on his shoulders rests the fate of the Empire.


Amazon Kindle
http://www.amazon.com/The-Prince-Ravens-Exile-Trilogy-ebook/dp/B...
Kobo
http://store.kobobooks.com/en-US/ebook/the-prince-of-ravens
iTunes Bookstore
https://itunes.apple.com/us/book/the-prince-of-ravens/id578065257?mt=11
BN Nook
http://www.barnesandnoble.com/w/the-prince-of-ravens-hal-emerson...
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The Darkness Abides
5 stars on barns and noble (only 1 review though)
Two men lie adrift at sea, castaway in the search for one's future, and the other in search of his past. When they drift to a land of perpetual darkness designed as an elaborate labyrinth, they begin to realize that they've stumbled upon the path toward what they each seek, but the trail may be more hazardous than they anticipated.
Released initially as a series of short installments, the entirety of this story comprises the length of a full-size novel. Readers who enjoy serialized fiction and dark fantasy with a bit of suspense will enjoy this series.

Google
https://play.google.com/store/books/details/L_Harcroft_The_Darkness_Abides_Vol_1?id=pyTuAgAAQBAJ
Amazon
www.amazon.com/Darkness-Abides-Vol-1-L-Harcroft-ebook/dp/B00IO1P...
Kobo
http://store.kobobooks.com/en-US/ebook/the-darkness-abides-vol-1...
BN Nook
http://www.barnesandnoble.com/w/the-darkness-abides-l-harcroft/1...


Please post your own finds, especially stuff you read and liked!

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

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

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

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

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

tl;dr: Have a potential contract gig with crappy money, I love the company, the company is very excited about me. How do I turn this contract gig into a permanent one with better money?
Personal Finance Deals
Switching jobs - is it worth in this situation?
Added on : Thursday July 17th 2014 07:00:04 AM
g: 0 Posted By: regor1000k
Views: 141 Replies: 1 This is for a friend of mine who appreciates my input to plan his career. I though i will pick brains of folks here as you guys are awesome and practical. Thanks in advance!

My friend is wondering about switching jobs and is evaluating his situation and wants my inputs on it. I thought i will pass it through the forum and get different dimensions of thought.

Friend: JDoe is 30 yrs old, has wife and 6 month old baby. Works as enterprise application analyst.

Curret Job:
- local government, been there 6 years, vested in a retirement system.
-its a civil service position, there is little job security
-does not learn anything, no opportunity to in near future too
-too much office politics in their department where none of developers are given any opportunity to do new things, except if you are liked!
-dead end job other than moving to management where its tooo much politics and mismanaged and stupid people running the show.
-makes $96k a year, 4 day work week and decent health benefits
-good rapport with his managers and co workers, team and business users.
-he owns the application, architects it, and he administers it and has total control of the function.
-poor project managers and leadership on top of him which does not understand things in IT world. they are managers because they know somebody!
- its soo dysfunctional that anybody will feel sick! Especially at 30.

new job he is offered:
-kind of a lateral move and asks for littler lesser experience than what he has.
-same line of work, same enterprise application, at a local state university. The city where he lives has limited options for his expertise.
-sounds like more challenging work as they have just started implementation and have a well structured project plan.
-not sure of office politics or new co workers or team
-pays $79k, same state retirement system but health benefits that are little lesser than current job
-this is an appointed position unlike his present civil service position.
-opportunity to learn more business process as its a new line of business.
-there could be opportunity to advance but he is not sure of how, what and when and how much.
-they hired couple of new grads for the same position last year and trained them, he already brings years of experience in this tool that they are very excited.
-they will get a lot of work done from him and he is afraid if they might over use him compared to trained new grad peers.
-5 day work week can be long days too as its an appointed position.

He is even thinking of this position as he feels he needs to learn new things and and be in an organization where they have a good structured projects and not work with dysfunctional PMs who became one because of politics!
As he is in IT he feels he should not become a dinosaur!
He can move into consulting, but because of family and small kid does not want to travel every week. He wants to enjoy coming home every evening. He is an ex-consultant from on of the good consulting companies like accenture, ibm etc..
He is also pm certified and wants to move up the ladder

I was telling him to look into federal government if he wants to move up and not this path by taking a huge pay cut.

What do you people think?





Personal Finance Deals
Free ebook "Old Time Recipes" Kindle version @Amazon
Added on : Thursday July 17th 2014 03:00:06 AM
g: 0 Posted By: imagine1128
Views: 367 Replies: 2 Things Mother Used to Make A Collection of Old Time Recipes, Some Nearly One Hundred Years Old and Never Published Before [Kindle Edition ] Lydia Maria GurneyAuthorr
Print List Price: $7.58 Kindle Price: $0.00 You Save: $7.58 (100%)

New Englander Lydia Maria Gurney collected recipes handed down from generation to generation, and tested most of them in her own kitchen. In her foreword she explains, ""These recipes and Household Hints are written very plainly, for those who have had no experience. . .They are very simple, not expensive, and if followed closely, will ensure success.""
http://www.amazon.com/Things-Collection-Recipes-Hundred-Published-ebook/dp/B00AQM9HS8/ref=sr_1_1?s=digital-text&ie=UTF8&qid=1405601501&sr=1-1&keywords=free+kindle+books​

** new post
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ASICSGEL-Venture 4 $41.99 + fs @6pm.com
Added on : Wednesday July 16th 2014 04:00:02 PM
g: 0 Posted By: jasclark
Views: 81 Replies: 0 http://www.6pm.com/asics-gel-venture-4-charcoal-seafoam-coral?zl...

List Price: $60.00
Deal Price: $41.99Product Information

Life is full of adventure, get into the thick of things wherever you are called with the ASICS GEL-Venture 4.
A versatile trail shoe that is right at home on and off the road.
Breathable mesh upper.
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Trail Specific Outsole Reversed lugs provide uphill and downhill traction on varied terrain.
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Imported.
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Weight: 10 oz




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6PM Coupons
g: 0 Posted By: ctgolfer
Views: 120 Replies: 0
Detail-oriented display
See your movies and games pop with vivid colors, dark shadows and stunning contrast on the 8.4" display. With two times the pixels of an HDTV, the screen also keeps everything clear by auto-adjusting brightness levels based on where you are and what you're viewing.
Ultra-thin and lighter
An ultra-thin build with a comfortable design makes this tablet difficult to put down. Lightweight and perfect for travel, it connects seamlessly with other Galaxy products for you to effortlessly share photos and videos from wherever you are.
Family-friendly
With multi user mode, everyone in the family can create a private and personalized tablet experience that can be secured with the fingerprint scanner. And for those wanting to keep the little ones entertained, Kids Mode lets you customize playtime and apps with parental controls.
Security at your fingertips
Unlock your tablet and keep your photos, videos, and personal files secure with just the swipe of your finger.
More productive than ever
Now you can do two things at once with Multi-window, like watch a music video and look up the lyrics or read an email and edit a presentation. Opening two windows or apps at the same time gives you the ability multitask and get things done faster than ever before.
Low battery
Ultra power saving mode keeps you connected even when your battery is critically low. It works by turning your screen to black and white and shuts off nonessential apps, so your device still works when you need it most.
Magazines come to life
Flip through your favorite sports, fashion and news magazines in Papergarden. You'll easily navigate through your favorite reads and see everything at a resolution that's optimized for your Galaxy Tab S screen - so photography looks stunning and text is easy to read.


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Tablets & iPads Deals

Sears Coupons
g: 0 Posted By: ctgolfer
Views: 129 Replies: 0 Craftsman tool storage rolling cabinet is ideal for storing your tools and supplies in an organized way
Ball-bearing drawer slides provide smooth drawer operation and hold up to 30 lbs. per drawer
Organizes hand tools and power tools in 8,030 cu. in. of storage
All-steel construction gives more strength and durability
Protective top mat keeps things from sliding off
Drawer dimensions:
1 Drawer is 22-1/8" W x 16-3/4" D x 4" H
3 Drawers measure 22-1/8" W x 16-3/4" D x 6-1/8" H
Keyed external locking system secures stored items
4 x 2 casters support up to 500 lbs.
Color: Red
Measures 26.5" W x 18" D x 32-1/2" H
Weight: 75 lbs.
Caster assembly required
Warranty: 3 year limited

www.sears.com/26-in-5-drawer-ball-bearing-bottom-chest/p-0093809...
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Sears Coupons
g: -1 Posted By: puddonhead
Views: 142 Replies: 9 I'll keep the specifics to a minimum to keep the identity of the "close acquaintance"in question safe. Its no fun to have your boss find out that you are looking around.

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

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

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

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

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

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

I'm interested in your thoughts, comments, or even better - stories - because I see this same thing playing out for me sometime soon. I can either continue doing what I do now (high stress), or find one of the low six figures "just another IT guy" (i.e. relatively low stress) jobs in the old-school organizations that are in abundance near where I live.
Personal Finance Deals
g: 0 Posted By: remick
Views: 72 Replies: 0 http://www.amazon.com/dp/B00LNHY2TY

4.8 out of 5 stars (6 customer reviews)

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

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

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

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

Included games:

Included games:
The Hot Dog
The Reading Game
The Come-A-Thon
The Twister
The Hot Seat
The Copycat
The Floor Is Lava
The Mother F
The Friction Test
The Nudist Colony
The Tongue Test
The Power F
The Rewind
The Hot-and-Cold
The Covert Op
The Open-and-Shut
The Hide-and-Seek
The Shape Game
The Edge
The A Day
The Chef
The ET
The Sounds of Silence
The Dinner Party
The ABC
The Seven Minutes In Heaven
The Mirror
Books & Magazines Deals
g: 0 Posted By: remick
Views: 29 Replies: 0 http://www.amazon.com/dp/B00CR6EJC0

4.4 out of 5 stars (27 customer reviews)

OK, I'm outing myself to you right here and now - I'm basically a "prepper junky".

I've spent most of my adult life doing such things as getting a license to be an Emergency Medical Technician (EMT) and also becoming "CERT (Community Emergency Response Team) Qualified" in Southern California. I've also been in tornadoes (Kansas), hurricanes (Hawaii), earthquakes (California) and even in the L.A. riots of the 1990's, so I guess I know a thing or two about emergency preparedness, and I would like to pass that knowledge on to you.

Most people think "preppers" are a bit looney. They think that we expect the worse to happen, and that we just go through life paranoid. My response to that is, "Better to have the peace of mind that I'm prepared to survive most any disaster than to be a head-in-the-clouds victim who doesn't have a clue."

Fact - in a serious community disaster (like a hurricane, or tornado), emergency response personnel will probably be so overwhelmed that they may not be able to get to you for several days.

Remember Hurricane Katrina and Superstorm Sandy?

Those who are prepared to be self-sufficient for a few days are soooo much better off than those who made no preparations and depend on outside help from the get-go.

Look, there are thousands of people every year who are directly affected by disasters - whether they are natural or man-made. A Bug Out Bag is just one of the things (and probably the easiest) that you can prepare for yourself and your family that will help you survive a disaster situation - whether the disaster is localized to your own house (a fire, for instance), or to your community - even a disaster that's affecting your whole country (civil unrest, maybe?).

So come on along, as this book not only covers Bug out Bags extensively, but also prepares you in other ways, too. You may become the "Go-To" person in your community after reading it and following the suggestions!
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g: 0 Posted By: remick
Views: 43 Replies: 0 http://www.amazon.com/dp/B008B9G7WM/

4.4 out of 5 stars (33 customer reviews)

Are you looking for the easiest way to start running or have started running before and found it too hard? If your answered yes to either of these questions then Running for Beginners: The easiest way to start running is the book is for you. This running book will guide you along the track to becoming a successful runner by giving you the knowledge and an easy to follow program.


Do you know what three things you need to buy before you even set foot out of the door?
Running is the cheapest sport that you can take part in and you only need a few key pieces of kit to get on the road. The Running for Beginners book discusses these three items so you can go shopping with knowledge.

Do you know what intervals are and how they can get you running for 30 minutes?
Intervals are a training technique used by amateurs and professionals alike to improve their performance. If you are a beginner you can use intervals to start running painlessly and without injury on the way.

Do you know why most people often fail at running?
How many times have you started running only to give up? How many people do you know that have done the same? This book explains why people often fail but it will set you up and give you the tools you need to succeed at running.

The whole ethos of the Running for Beginners and the Running4B training program is to remove the obstacles that often trip up new runners when they are starting out. The book covers everything you need to know to get you running for 30 minutes continuously.

After reading this book you will:

Know what you can gain from running
Know what to wear to be comfortable when out running
Know how to be a consistent runner
Know how to run correctly
Have an easy to follow program - The Running4B Program
Know how to measure progress
Know how to keep motivated
Have access to the downloads area on the support website for free!
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Current Financial Situation: Need Advice
Added on : Monday July 14th 2014 11:00:05 PM
g: 0 Posted By: nickygrahn
Views: 38 Replies: 0 Hello fellow forum members. This is my second topic since I've been registered here and the previous input was very helpful for me, so much so that I'm seeking advice again. This may get lengthy but I want to describe to the best of my ability what my current situation is financially. What I'm looking for is some inputs, though I know they'll be varied, on what I should do for future security. So here it is and again, I greatly appreciated the previous input. Your guys' knowledge with money is fantastic and I'm sure you have changed lives.

My Debts:
Home mortgage FHA @ 3.5% which is on the second year and already have paid off 10K in principle out of the 145K loan. This was a 30 year loan and the minimum payments is $1050 a month. This payment includes home insurance, taxes and mortgage insurance
Personal loan, which is used as my business loan, has $11,800 left @ 9%. Used to be about 19k but I sold some useless things and paid it down. Minimum payment is $450 a month.
Auto insurance is $1050 total every 6 months for wife and I.
Other misc. monthly bills which include cell phone, internet, home utilities and food average out to be around $500.


My business nets about $1,500 a month currently but I only need to pay our mortgage and my business loan. However, after doing that I have absolutely nothing left. Obviously, making $1,500 a month is not a lot and that's some of the reason I'm posting (more on this later**). The way I'm looking at things is I'm subtracting my current net of $1500 from the mortgage and personal loan, leaving literally $50 which I'm actually okay with since my wife is making $40k a year and we don't have other debts. The thing is, my money is mine and hers is hers. That's how we've agreed to do things and it actually works very well. I used to make more money when I had a job as well as my business but I left due to my inability to work under a boss.

Being self employed is something I like very much and I refuse to get a job. I've left a half dozen jobs in the past year, not even kidding, one of them being a top 100 company to work for according to Fortune Magazine. So with that said, I have the ability of expanding my current business due to someone retiring. I would need to take out an additional $20,000 for the expanding of my businesses to make another $800 net a month. I talked to a couple of bankers and they said a 5 year loan @ 8% interest would be around $650 a month of I included the current loan I have of $11,800. This would leave me with an extra $600 a month.

Is my vision wrong looking at things this way? Taking out money from a bank without having a savings or any other investments other than some business equipment frightens me. I could grind out what I'm doing currently, but this opportunity doesn't come very often. I know I could force myself to pay a loan faster to avoid paying excess interest since I've done that in the past. Judging from what you see on my post, do you have any feedback? Getting tired so I'll end the post here. Thanks for reading and chiming in!

Insurance Deals
g: 1 Posted By: MoogLiberation
Views: 84 Replies: 1 Hey there, I was hoping I could pick your brains and get some direction from the experts. I've had some health issues come up that have permanently changed the way I'm looking at investing and savings. Unfortunately, even though I'm only 30 years old, investing in things like equities is too risky for me now. So I'm looking at things like prepaid cards with interest rates around 5-6% and bonuses at banks for signing up for new accounts.

I currently have a Mango prepaid card maxed out at $5,000 and I'm considering doing the equivalent at PayPal and NetSpend. I've also signed up for new accounts at Chase and Nationwide Bank that have good bonuses. I'm wondering if you guys have any other recommendations? It doesn't matter if they're more of the same strategies I'm already utilizing or if I'm missing out on anything else all together. Your help is greatly appreciated. Thanks.
Investing Deals
g: 0 Posted By: ctgolfer
Views: 207 Replies: 0 Product Description
Fiesta 5-Piece Place Setting manufactured by The Homer Laughlin China Company. America's largest domestic producer of dinnerware, and the sole manufacturer of all Fiesta dinnerware. All Fiesta pieces are Microwave safe, Oven-proof, Dishwasher safe, Freezerproof, Lead-Free, and Made in America with the implementation of many green practices. The very durable glaze is great for everyday use. Fiesta as a pattern has stood the test of time, and is typically passed down from one generation to the next. We have kept the pattern constant through the years so that you can count on us to be here when you decide to expand or change your collection. New pieces and colors are added every so often to keep things interesting. Currently, Fiesta is the most collected dinnerware in America.


Whats in the Box
1 place setting. Place setting consists of: dinner plate; salad plate; bowl; 7.75-ounce cup; saucer. 5 pieces total.

www.amazon.com/Fiesta-5-Piece-Place-Setting-Shamrock/dp/B00006JO...


ALSO AVAILABLE T Kohl's FOR $32.99 ( possible discount with Kohl's charge card )
www.kohls.com/product/prd-1095535/fiesta-5-pc-place-setting.jsp
Garden Deals

Amazon Coupons
g: 1 Posted By: remick
Views: 136 Replies: 0 Italy for First Timers
http://www.amazon.com/gp/product/B00I9P0VO8/

This book overflows with hands-on, proven techniques for getting the most out of this tripand future trips too! Selecting what to see and do, picking where to stay, where to eat and what to pack, the best guide for making your dream vacation a reality.
Group package tour or devise your own plan? Pros and Cons to help you decide.
Get a great price on airfare and improve your seat assignment before the flight. Find out a few things that reduce hassle with the TSA. Make the flight more comfortable (yes, it can be done!) and much much more.
Gain tools to see through the self-serving marketing on the internet and make your own informed decisions.
Hundreds of good travel ideas, from packing smart to the latest gear on the market to help travelerswearable luggage, neck collars, super-light duffels to name a few.
Jet Lag no more. This really works!
Understanding Italian restaurants: why Americans think they give lousy service, and when you find out why, youll wish we had the same high caliber staff in the US!
The down and dirty scoop on the VAT tax, tourist cards, hotels, trains, subways, sleeping on the plane, and how to use a bidet. An indispensable guide to travel in the 10s.
Time: Your most precious resource. Bring along one small thing weighing about 2 oz.something you probably already ownto safeguard that resource.
This book is your guide to a great time!



Why I Love New Orleans: A Collection of Blogs
http://www.amazon.com/gp/product/B00K62ONZ0/

New York Times Bestselling Author, Heather Graham has had a long standing love for New Orleans, Louisiana. She has used the city as a setting for many of her novels and there are many reasons why. On her blog in 2013 she spent 30 days sharing what she loved about New Orleans. From favorite restaurants, to museums she loves to her most loved ghost stories, she shared what made New Orleans one of her favorite cities in the United States. Now she has compiled these blogs into this ebook that she wants to share with those who are going to New Orleans, those who have dreamed of the city and want to learn more, and those who might want to debate her choices.


London Budget Getaway (Bravo Your City! Book 7)
http://www.amazon.com/gp/product/B00ED2CMLQ

London is expensive, but you can still enjoy it on a budget with these tips, especially if its your first visit!
London Budget Getaway is a perfect travel companion for a short stay in one of the worlds most iconic cities, offering plenty of low cost suggestions so that family, friends and loved ones can experience Londons most popular sights and cultural attractions without breaking the bank.
Tour art galleries, exhibitions, cinemas and the most visited museum in Britain. Encounter otherworldly presences in the haunted London Underground. Explore world famous markets, streets, squares, monuments and intriguing architecture. Sample some of the best beers, ales, ciders and stouts brewed in Britain. Find the best views of the London city skyline.



Shanghai Stories TOP3 - a travel guide and tour as with the best local guide
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Istanbul Tour Guide Top 3 - a travel guide and tour as with the best local guide
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Tallinn Tour Guide Top 3 - a travel guide and tour as with the best local guide
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The Must Sees of Seoul (Bravo Your City! Book 70)
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Montmartre Neighborhood Guide (Bravo Your City! Book 6)
http://www.amazon.com/gp/product/B00EDE3RC2
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How do you deal with collecting daily spending data
Added on : Friday July 11th 2014 05:00:05 PM
g: 0 Posted By: calvin888
Views: 68 Replies: 2 I would appreciate all FWers here to share their successful experiences dealing with the tedious work of tracking and logging down daily spending, especially cash spending?Things getting really bad, family members are not helping. Wife and kids dont like to log down their daily spending and hate to be questioned for those numbers they dont like to remember everyday. Lots of vague descriptions and incomplete receipts are left for me to figure out. That is hours of detective work to put the broken pieces together, and the results are still not precise.

So much time and efforts,I am so tired but can not quit. Theworst part is no one appreciates it.
Discussion Deals
Free Tom Clancys Ghost Recon Phantom Assault Starter Pack - Steam
Added on : Friday July 11th 2014 01:00:06 PM
g: 0 Posted By: remick
Views: 128 Replies: 0 http://gamingbolt.com/tom-clancys-ghost-recon-phantom-undergoing...

Today, Ubisoft announced that Tom Clancys Ghost Recon Phantoms will be getting a new game update, bringing the version number up to 1.2. The new update retools the games weapons to change their balance based on feedback that Ubisoft has gotten since the games release a few weeks ago. Apart from the mechanical changes, the game will also retool and rebalance simple things like movement, as well as player progression through ranks and classes.
To celebrate all of these changes, Ubisoft has also announced a new Steam weekend promotion for this game- from July 11 to July 14, for a period of three days, players can download one free starter bundle for the game free, for a total of up to three bundles (roughly $30 in terms of value). Thats a pretty good deal, and a great way to get into this game, if you were thinking about doing that at all.


http://store.steampowered.com/agecheck/app/277970/
Toys, Games,& Collectibles Deals
Aeropostale Master Coupon Thread
Added on : Friday July 11th 2014 10:00:04 AM
g: 0 Posted By: SieSilverStars
Views: 219 Replies: 0 CashBack Coupons:
CATCH20 - $20.00 Off $100.00 Purchase (exp 07/13/14)

SHIPLLD - Free Shipping on Live Love Dream (LLD) Orders

FRAG02 - Two Small Girl's Fragrances for $18.00

FRAG03 - Two Guy's Body Sprays for $10.00

ROOM - Free Shipping on Room Items

SHORTS01 - 50% Off Select Men's Shorts



All Other Codes:
TRYON - 20% Off Live Love Dream Purchases + Free Shipping (exp 07/13/14) Link





Sales:
LLD Mod Geo Yoga Capris - $10.40 After Coupon w/ Free Shipping







Other Important Things:
Store Locator
Customer Service
Gift Cards



*Feel free to comment and post any other deals you've gotten or codes you know of. Thanks
Clothing Deals

Aeropostale Coupons
Free Kindle Book- Manage Your Home with a Smartphone App!
Added on : Friday July 11th 2014 02:00:10 AM
g: 0 Posted By: remick
Views: 86 Replies: 0 http://www.amazon.com/gp/product/B00AKJN4GI

Millions of people around the world are interested in controlling their homes with a smartphone or tablet device over the Internet, but don't know where to start?
However, with the entry of a large number of players including Google! the smart home market is witnessing a piling of too many solutions available to end consumers, which is causing confusion for consumers.

Gerard explains that his new book De-mystifies Smart Homes by using easy-to-understand language that walks you through the process of setting up your own next generation smart Home automation system.

This book is intended to be read by the following people:

Anyone interested in controlling their lighting, alarm, heating and entertainment systems on their smartphones or tablets while out and about or at home.
Home builders interested in identifying specific home automation ideas that will differentiate their offerings and improve overall property sales.
This book is a useful tool for electrical contractors and alarm installers who are unsure about how to start offering Smart Home installation services to their customers.
Anyone else curious about how to setup a Smart Home system at a reasonable cost!

Included in this new version are several new chapters, including two special chapters that my customers have been asking for since pretty much the beginning:

The chapters emphasized in the book are;

Introduction To Home Automation
Choosing A Smart HA 2.0 Technology Platform
Step 1 - Select A Smart Home Automation Controller
Step 2 Use Smart HA 2.0 To Enhance Family Security Levels
Step 3 Use HA 2.0 To Enhance Family & Property Safety Levels
Step 4 - Add Lighting Control To Your HA 2.0
Step 5 - Add Heating & Smart Energy Control To Your HA 2.0 System
Step 6 - Add Multi-Room Music 2.0 To Your Smart HA 2.0 System
Step 7 - Add Whole House HDTV Distribution To Your Smart HA 2.0 System
Step 8 - Add Blind & Drape (Curtain) Control To Your HA 2.0 System
Step 9 - Add A Home Cinema To Your Smart HA 2.0
Step 10 - Smartify Your Kitchen
Step 11 - Smartify Your Garden
Step 12 Embrace The Internet Of Things (IoT)

Each chapter includes technical illustrations, examples of how smart homes are helping people and insights from Gerard.
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g: 1 Posted By: LearningFast
Views: 121 Replies: 4 Hi all, I am a new member who is still very much learning how to manage money and credit, but have learned a ton reading these forums in the past couple of years when I had literally no credit file.
Below I tried to condense the very helpful things Ive learned here into a little HOW TO which I think contains all the things I wish I knew a while ago and learned here, albeit fragmented. Of course, all these will differ between people so feel free to add.
The two general rules of the money life that Ive learned.
1. Small discounts really can add up, if done right.
2. If your credit file had mass, it would be worth its weight in gold. Good credit allows you to get low interest car and mortgage loans, which (because of how compounding interest works) can save you even tens of thousands of dollars.
Ok, so how do you get ahead? Lets assume you have no credit at all and make a very low income (say $20,000/year). Right now:
- Get a credit card. Definitely #1 on your list. You should get a credit card with rewards if at all possible. Student cards (if you are one) will usually have top notch rewards and can be approved for people with no limit (Discover It for students, Sallie Mae Mastercard, Chase Dividend for students, BoA Cash Rewards for Students are some good ones). If you have a bank youve had a relationship with for a while, tap them for a card I got my first CC like that, and it has great rewards. Pick a no annual fee card, preferentially from a prime lender, as this account should be with you for life. If you cant get a credit card from anywhere, get a secured card first, and then after 6 months get a real credit card.
-Begin tracking your credit. Sign up for creditkarma.com, creditsesame.com and quizzle.com. These sites allow you to track your credit report in real time from the three US credit reporting agencies, and give you credit scores. These scores are not the true scores used by lenders (they use a different algorithm) but the trend can be useful as a rough estimation in how youre doing. -=7pt Begin tracking all your expenses using a service like mint.com
- Move all your primary banking to a rewards checking account from a credit union (places like Lake Michigan Credit Union, Inova Credit Union, Great Lakes credit union are good ones). Rewards checking accounts have no fees and offer much higher interest than any savings account, and usually will reimburse ATM fees and sometimes give free checks. It doesnt matter if you dont live near the credit union, because internet.
-Open a Roth IRA account, where you can put after-tax money which you will then take out tax free at retirement (or as a one time thing when you buy a house). This a fantastic deal for people in their 20s with low income (and a low tax rate).

For the next 6 months:
-Pay your credit card bill BEFORE the statement cuts each month. That way not only will you not carry a large balance (its good to leave a few dollars there) but if you have a low limit having even $200 there can make it look like a huge utilization and hurt your credit.
- Use your rewards credit card to pay for everything. CashBack/points add up if you use them all the time. If your rent is under $1,500, use SERVE with Isis to load money using your credit card (and get points) and then use the Billpay feature to pay rent and any other utilities you cant pay with a CC.

6-12 months
- ask for a credit line increase on your credit card (depending on the issuer, this might be a hard credit pull)
-get another CC or two. Strongly consider applying for an easy to get AMEX like BlueSky Everyday. All AMEX cards are pretty good. The golden feature about them is that AMEX backdates all cards to the moment you joined AMEX, so all FUTURE AMEX cards will show up as being opened at the same time. This will help your credit score in the future. This is also a good time to try get a workhorse card: a card which gives universal high CashBack/miles. These are the Fidelity Amex (underwritten by BoA), which offers 2% CashBack on everything, the Capital One Venture (essentially 2%, but has an annual fee). If you get denied, call recon (see below).

1.5-2 years:
- If youve been doing everything right you should have a credit score in the 700+ range and be eligible for some pretty nice rewards cards by now. Which ones you get depends on your spending pattern. For example, I applied for the US Bank Cash+ Visa Signature because I eat out a lot. Now Visa Sig cards are difficult for you, because by definition they need to have a credit line of over $5000. I was in fact offered an inferior product instead, but told I can PC later (not uncommon for US Bank). Called once a month, and after two months I had the Cash+.

2 years+
-By now you should be eligible for pretty much any CC you want, although some might be hard for you to get. The holy grail of high end credit cards for people with super good credit are the ones from the Pentagon Federal Credit Union. There you can get 5% CashBack on gas, ~4% CashBack on airline tickets. Hard to get but not impossible at this stage. Just make sure you have no inquiries on quizzle and very low balances on all other cards when you apply.

Beyond: Cant comment, this is where I am

Note: many (if not most) credit card rejections can actually be overturned if you pick up the phone and call the reconsideration line for that lender to talk to an underwriter. Dont be afraid to ask What can you do for me? If youve been a customer for that bank for a while, let them know etc.
Discussion Deals
LivingSocial: 10% Off Sitewide
Added on : Thursday July 10th 2014 04:00:05 AM
g: 0 Posted By: SieSilverStars
Views: 107 Replies: 0 LivingSocial is offering 10% off sitewide until 07/13/14.

Link

Use coupon code "10SALE" during checkout to receive the 10% off.

Some restrictions apply, maximum savings of $20.00.
Services Deals

LivingSocial Coupons
g: 0 Posted By: NonReturnable
Views: 103 Replies: 2 My wife's biological mother lives in Argentina. We live in the US.

My wife last saw her mother when she was 12. She was left with her father.
Same for my wife's half brother, he was left with his father in another state.
Needless to say, she's not the best mother.

My wife grew up with her father and step-mom. Everything worked out.

A few years ago my wife first found her half brother via the internet.
Then, a while after that, her bio-mom got back in touch with her, again via the internet.

A few months ago she called and let my wife know she was having seizures.
Today, we got a phone call in spanish, and after some translation thanks to google, we figured out they were asking her to call her mom. I'm assuming the mom didn't have enough money for an international call.
My wife called, and found out she has brain cancer, and the doctors say she has around 2 months left.

We can not afford to go visit. Even if my wife went alone, the price of a ticket is just out of range to visit someone that...in all honesty wasn't someone my wife was that attached to.
Obviously she's upset, but she agrees its just not feasible to spend $2000 and 48 hours on a plane to do a visit. They'll be doing some video chatting and phone calls (I'll make sure I'll record it for when the kids are older).

I have some financial concerns -
The mom put my wife down as an emergency contact with her medical info. The mother is flat broke. For a time she lived in an orphanage and was given room and board in exchange for working. Now it sounds like she's living with a friend. Has no job, etc.If, for example, my wife wanted her ashes to split with her half brother, how would that be worked out? We're not 100% trusting of her mom, and I'm wary of being scammed by working with a "friend" of the mom or something.

It is my understanding she has dual citizenship with the US (or at least, never renounced her argentine citizenship). She immigrated to the US when she was very young, and was in the US Army and received an honorable discharge. She mentioned there may be life insurance money, or at least money for a burial or cremation through the VA. She is also apparently owed quite a bit of back disability money by the VA. She's asked my wife to help her get that sorted out a number of times, she's tried, we'll get the mom in contact with the right people, then something never happens, wait a few months, rinse, repeat. Should I be contacting a lawyer to figure this out? Is it even worth pursuing? I'm not trying to approach this like I could make some cash, but if there is the possibility that my wife could get something to put towards her education costs (she starts an MBA program next month) that would certainly be beneficial.

Not speaking any spanish (my wife speaks restaurant spanish at best), what is the best route to go to get things like a copy of the death certificate, any personal belongings the mom wants my wife or her brother to have after death, etc. The mom is making sure her friends and the hospital have my wife's information. The language barrier is a problem. This isn't the first time we've gotten a phone call from someone whom only speaks spanish, and had to use google translate and yes/no questions to figure out what was doing on.

Are there any scams I should be aware of that could be going on here (besides the mom making this whole thing up. Which we've discussed, but she's not asked for any money or anything thus far).

Any advice or suggestions anyone has, I'd certainly appreciate.

TL;DR - Wife's broke deadbeat mom is dying of brain cancer in Argentina.. Any advice about how to get burial or ashes worked out, any personal belongings the wife wants shared shipped up here, and any possibility of life / burial insurance worked out.
Personal Finance Deals
New Arrivals: Marc by Marc Jacobs - Palm Ponys Bracelet/Hair Accessory
Added on : Wednesday July 09th 2014 09:00:08 AM
Palm Ponys Bracelet/Hair Accessory lets you manage the easy things in life in MBMJ style. Featuring 3 colorful elastic bands with hanging charms; epoxy palms or gold-tone palms and signet disc. One size.
Small Pension Buyout
Added on : Tuesday July 08th 2014 08:00:09 AM
g: 0 Posted By: mythosaz
Views: 30 Replies: 0 OK folks, I'd like to borrow upon your wisdom for a moment.

I've looked at a couple of calculators, and they seem to confirm what IthinkI'm seeing, but I'd like a second opinion.

When I left a long-term job last year, I was surprised to find I had earned a small pension. For purposes of this discussion, lets call it $325/mo, eligible in 2035. It has a lump sum option today in the 13-14k range, which seems to jive what what calculators tell me. It has no survivor benefits, so it's good for me alone, from 65 until death. I don't have any unusual medical conditions.

I'm in a position now where I need a new (to me) car, and a used crown vic doesn't quite meet with my needs. I drove my last 20k 2007 vehicle into the ground with almost 200,000 miles on it, and I'm weighing my options.

I try to look at things like this: If I had $13k cash now, would I use it toward/for/as-part-of a new (to me) car, or would I buy a 13k annuity with a 325/mo payout at 65? I know that it's worth much more should I survive to 70, but would I buy said annuity today versus dealing with more pressing issues.

Some minor background, as it might help determine the real value of the pension to me and my family. Because of numerous troubles in the last, well, decade, my wife and I have little cash or retirement savings, but we're both employed in good jobs, and we've got three properties. [A rented condo owned lock stock and barrel, a rented home about half way through the mortgage breaking even, and a primary residence in year 10.] After losing my long-term job, I've been contracting, so it hasn't always been easy to keep cash between gigs.

The wife and I plan to keep using bonuses and excess salary (is there such a thing) to keep paying down the rental house, and then attacking our real mortgage. I know that isn't strictly the best plan, but I enjoy the feel of ownership. Owning a house is more valuable to me than playing a game with mortgage interest or keeping it liquid to invest. This is the primary reason I'm conflicted about a small pension. Iownthat, so to speak.

I don't want to turn this too much into a car discussion. I'd just like to know the pros and cons of what to do with 14k today versus having a $325 pension.
Investing Deals
Deeply in debt and wants to retire
Added on : Tuesday July 08th 2014 06:00:07 AM
g: 1 Posted By: diquando
Views: 237 Replies: 8 I'm my own worst enemy and basically the root of all of my problems is my behavior.

Had to get that out of the way. Anyway, here's my story.

Mid 50's work for local government and have enough service years in that I can retire with a full pension. I make about 75k a year and will get about 50k in a pension. I have about 120k in a 457 plan that is only there because they won't let me borrow/withdrawal from it. So things seem okay as far as being "to live" in retirement. No kids, (raised my sis 2 kids though and they're both in their early 20's and working -- not a huge financial burden there), no spouse. (No savings either).

I owe about 115k total -- that's the house, the car and 50k of cc debt. Owe 53k on the house and 9k on the car.

I'm a compulsive gambler and cannot stop. I've been to GA twice and as soon as I get things cleaned up a bit and see light at the end of the tunnel financially, I start again and mess everything up. When I'm not in a casino, I manage my money well; but inside a casino I'm a stone lunatic and will gamble until every dime is gone. Afraid to retire because I'll get access to the 457 account along with other one-time lump sum monies. Many people would love to have my retirement but I see my future as being broke on the 2nd of every month and living catch as catch can until the next check. I have 10 credit cards with balances on them. Plus I do cash advance stuff that can mess up my checks. On the infrequent occasion when my money is okay (didn't lose everything), I put extra on my charges. The plan is to pay them off one at a time with the cards with the highest interest rates paid off first. But I did a lot of balance transfers last year and some are beginning to expire and I cannot pay them off so I'm paying like 18 per cent on 10k, 14% on 15k, etc. I will be drowning soon.

I'm done some things like get the casino's to lower my check cashing to zero available and will talk to the bank about eliminating the advance availability, but I need to do something else to help me get control and put my money on debt. I don't know what to do really. I'm asking this from a financial standpoint. I used to chair GA meetings and I know how that works but I need a way to be able to control my income so that it will not be available for me to gamble up. I'm pissed off because I started my job 31 years ago today and I have very little to show for it. All my debts, except the house, car and medical bills are from gambling. I don't have anyone I trust enough to "handle" my money; and I believe that except for the gambling I can manage my money quite well, when there's some left over. My dream of being able to spend my time traveling (not a whole lot), on hobbies, and volunteer work is just that, a dream.

Thanks for listening
Discussion Deals
g: 0 Posted By: linrick
Views: 296 Replies: 0 They have a lot of nice things on sale with some more than 50% off. You don't have to be a member/invitee to buy from coach.com or just check out at your local Coach store. Free shipping with $150+ purchase online.

linkymoo

Clothing Deals

Coach Coupons
Shopping for mortgage need help !
Added on : Tuesday July 08th 2014 05:00:08 AM
g: 0 Posted By: itsmeprinceus
Views: 45 Replies: 0 Hi guys,
I am in the market shopping for mortgage. I am building a home with Taylor Morrison and they are pushing me towards getting a loan with them. I started doing my own research and found out that rates outside are much lower. This particular lender (https://pfloans.provident.com/?)is offering really low rates compared to any other banks outside just want to get some insight into what kind of things I should be looking for.

Any help appreciated !
Deal Deals
Sony SOE POSA $15 card for $10 at BB and FS
Added on : Monday July 07th 2014 10:00:02 AM
g: 2 Posted By: wfay
Views: 160 Replies: 1 I was looking at other things and randomly noticed the SOE gamer card normally $15 is on sale for $10 at Bestbuy.
http://www.bestbuy.com/site/sony-online-entertainment-soe-all-in... Online Entertainment - SOE All-in-One POSA Card ($15)

Model:Sony ONLINE

SKU:1297424

Release Date:10/31/2010

Customer Rating:4.5(12 customer reviews)

$10.00 ON SALE
Regular Price: $15.00
You Save: $5.00
FREE SHIPPING
Electronics Deals

Best Buy Coupons
g: 4 Posted By: remick
Views: 837 Replies: 0 http://www.amazon.com/gp/product/B00BGC01NW/

High School Computer Science, User Defined Functions in C++. Start writing C++ functions yourself. Learn the small things first and settle far beyond. Ideal for anyone who have started learning C++ and want to explore in details the Functions.


also free

JavaScript Principles: A Brief Introduction
http://www.amazon.com/gp/product/B00JFN7MD6/

This 17-chapter book is a brief introduction to key principles of JavaScript programming. Each chapter is dedicated to an isolated subject. The author focuses on "I wish I knew this before" type of knowledge, that will be helpful for beginners and intermediate-level programmers interested in expanding their understanding of front-end application development. jQuery briefly highlighted throughout the book and few jQuery plugin examples are provided.

This volume highlights key principles involved in JavaScript programming and should not be considered as a complete outline of JavaScript programming language. If you are passionate about learning about key insights of this programming language in a medium sized book, it may be of interest to you.

Chapters are as follows:

1. A Case for jQuery
2. Breaking Down jQuery
3. Document Object Model
4. JavaScript Boot Camp Begins
5. Code Placement
6. Statements, Primitives and Literals
7. The "this" Property
8. Function Properties
9. Object Literals
10. Anonymous Functions
11. Closures
12. Constructors
13. Prototype
14. Events
15. Initializing jQuery
16. Optimizing jQuery Selectors
17. Creating jQuery Plugins
Plugin 1: Get Class
Plugin 2: Rewriting Window Alert Box
Plugin 3: Rewriting jQuery's prev() and next()
Books Deals

Amazon Coupons
g: 0 Posted By: remick
Views: 209 Replies: 0 http://www.amazon.com/gp/product/B00BGC01NW/

High School Computer Science, User Defined Functions in C++. Start writing C++ functions yourself. Learn the small things first and settle far beyond. Ideal for anyone who have started learning C++ and want to explore in details the Functions.


also free

JavaScript Principles: A Brief Introduction
http://www.amazon.com/gp/product/B00JFN7MD6/

This 17-chapter book is a brief introduction to key principles of JavaScript programming. Each chapter is dedicated to an isolated subject. The author focuses on "I wish I knew this before" type of knowledge, that will be helpful for beginners and intermediate-level programmers interested in expanding their understanding of front-end application development. jQuery briefly highlighted throughout the book and few jQuery plugin examples are provided.

This volume highlights key principles involved in JavaScript programming and should not be considered as a complete outline of JavaScript programming language. If you are passionate about learning about key insights of this programming language in a medium sized book, it may be of interest to you.

Chapters are as follows:

1. A Case for jQuery
2. Breaking Down jQuery
3. Document Object Model
4. JavaScript Boot Camp Begins
5. Code Placement
6. Statements, Primitives and Literals
7. The "this" Property
8. Function Properties
9. Object Literals
10. Anonymous Functions
11. Closures
12. Constructors
13. Prototype
14. Events
15. Initializing jQuery
16. Optimizing jQuery Selectors
17. Creating jQuery Plugins
Plugin 1: Get Class
Plugin 2: Rewriting Window Alert Box
Plugin 3: Rewriting jQuery's prev() and next()
Books Deals

Amazon Coupons
Tips and Tricks for Insurance - Inventory Of Assets?
Added on : Sunday July 06th 2014 01:00:06 PM
g: 0 Posted By: robronson
Views: 85 Replies: 1 My neighbor in the apartment across from mine got robbed recently and it made me think about my renter's insurance. I barely have much in the realm of receipts and documentation on my things. If it was me that robbed, I'd be pretty screwed.

I think being robbed is pretty traumatic, and trying to remember everything you had and finding receipts after the fact would only make things worse. What I'd like to do is put together a rock solid inventory with pictures, receipts, etc, store it up on my dropbox, and if I ever get robbed, I go up in the cloud, even off my cell phone, email the PDF of my inventory to the insurance man, and move on with my life.

Maybe, I might even wind up a little better off than before because if I could have back what I paid for all my stuff, I'd probably only re-buy half of it since I buy a lot of clothes and things I don't really use.

Anyone have experience on how insurance claims work for personal possessions? There's a lot of threads on car insurance and home owner insurance with respect to tree branches, but I rarely hear anyone discussing submitting claims for personal possession against homeowner or renter's insurance. I'm under the impression that I'll get either the replacement cost or whatever I paid, whichever is less, which leads me to believe I'll get screwed since, like most FWF I go out of my way to shop for sales and deals. So if I only get back what I paid, it's far below market value for many of my things.

Am I under an obligation to hand over receipts for everything? Maybe if I got something well below market value, and I misplace the receipt, or intentionally don't store it, then I'll get replacement value which is higher?

Does anyone else inventory things like papertowels and toiletpaper and shampoo? On the surface it seems silly, but I ran some quick math in my head and I easily have a few hundred dollars worth of cologne, deodorant, TP, papertowels, toothpaste, toothbrushes, facial cleanser, moisturizer, etc. Also, if I have the inventory up in dropbox, I can refer to it when I'm shopping so if I see a good deal on something like bulk papertowels, I can see how many rolls I'm down to, assuming I keep the inventory up to date every month or so.

I've heard people just videotaping everything in their home but that doesn't quite seem granular enough for me. I've already started a rough inventory and realized I actually have around $12k worth of things in my apartment, so my $10k policy won't cover it and I might need to get higher coverage. So another benefit of doing this in something like a spreadsheet is that you actually see what the value of your items are so you can adjust your insurance accordingly.

Anyone have experiences to share on claims or best practices on inventory?


Discussion Deals
Dealer Service damaged vehicle - chargeback?
Added on : Sunday July 06th 2014 11:00:08 AM
g: 0 Posted By: cbyahoo
Views: 135 Replies: 1 Man, I've had one of those "awful" service experiences with Ford dealer.
I had a really expensive brake job on a commercial class vehicle. I knew the service would be expensive ($1400), but I wanted Ford to warranty the work and not have anything to worry about for a while. I'd do it myself, but this vehicle has a history of brake issues in general and I wanted the coverage.
Dropped the vehicle off, they inspected it and came up with the following:
1) Dragging front brakes, which I indicated when coming in - Recommended rebuilding all calipers and full brake job.
2) "Dirty" Fuel system - said the fuel filter was of unknown age, air filter was dirty upon inspection, and throttle body was dirty upon inspection.
3) Rear differential seal leaking (knew this going in).

I asked them to replace (not rebuild) front calipers, rebuild rears, and service the differential. I declined the fuel system service, but this caught my attention because I knew the air filter had 2k miles on it. Also the throttle body is way in the back of this thing, it's somewhat difficult to inspect. Total for service, about $1600 for the things that I approved.

They called, said it was done, picked it up a week later. Paid, picked up the keys and walked back to get it. I immediately cracked the air filter housing, wanting to see that "dirty" filter. It was clean... So I immediately got under the vehicle.
Front calipers new - new hardware, new pads. Rear calipers look great, new seals, new hardware. I notice that the front rotors haven't been turned and I had specifically discussed this with the service adviser. I can't see the rears due to a cover, but on a vehicle this big, getting the rotors off is a big job and represents at least 50% of the labor. Basically they charged me a lot for labor that they didn't actually do.

Walk back to the service adviser, he says "he'll check" - goes in the back for 15 minutes. Apparently the lathe was "down" and no one said anything. They indicate that there isn't anything they can do. I said "not OK". The sent me to the service manager.
Service manager apologizes. I tell him I want to take it and they can discount the work - I'll have it finished elsewhere. He says they'd rather complete it- "do it right". They offer some other minor services for free and I let them keep it and indicate they'll need to do something "else". I think this was my mistake as I didn't walk - and it allowed them to clean up the mess they were in - and I could have charged it back at this point. I did make sure the general manager had some visibility into what happened here.

Forward one week - they call, say it's ready (again). Won't discount it. Offer to deliver the vehicle (it's 1.5 hours away) and fill it up with gas. I OK that. They offer credit for future services (yea, right)!

Pickup the vehicle. Both mirrors have blue impact marks down the sides, not huge, but noticeable. Right mirror is out of alignment and isn't usable without disassembly. I call them, send photos of blue paint - which matches their service bay lifts. Indicate that the right mirror will need to be replaced and the left one must be replaced in order to match. Send them the part numbers + $100/labor, which is about $550. They say that the want to make it "right" and I need to let them have the vehicle again. I indicate that it's not going in for service at that dealership and that they can cut a check. They said they'd discuss it and get back to me, but that was a week ago.

At this point, I assume they're not going to discuss or cover the bill. Two questions:
1) Can I charge back due to damage that occurred as part of their service? Card terms indicate that incorrect service or incomplete service can be charged back, but nothing about damages due to service. Chances of success?
2) I realize I can sue, of course, but we're looking at $100-$200 to have them served, court fees, etc... My time is worth more than the net result.

I have refrained from writing reviews, but I do have the "nuclear" option of documenting their "mistakes". I have written copies of them indicating that I have a dirty fuel system - dirty air filter and photos of an almost new one showing up.. Not to mention failing to actually do the work they were billing for the first time. I have not contacted Ford. I don't buy new vehicles, so I'm probably not that strong of a reference customer.

Best case, the failure to do the brake work was a communications failure and they didn't actually look at the fuel system, as that's a pretty standard dealership up sell. Worst case, they're charging for things that they don't actually do and trying to get away with it along with up selling the typical high margin services.






Question Deals
Airblaster Blaster Jacket Men's $109.95 FS Usoutdoor
Added on : Sunday July 06th 2014 05:00:04 AM
g: 0 Posted By: tedhawkins
Views: 126 Replies: 0 Airblaster Blaster Jacket Men's $109.95 FS Usoutdoor

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

Airblaster's Blaster Jacket is the embodiment of the classical Airblaster aesthetic, with eye catching color options and tested and approved fit. The Blaster Jacket features 10K mm waterproofing, 10K g/m2 breathability, fully taped seams and 80 g insulation in order to keep you dry and comfortable no matter what the conditions. To take it to the next level, Airblaster also threw in KK Aquaguard zippers and double strength cuff closure, so that the Blaster Jacket's awesome look is matched by its function. So look no further than the Blaster Jacket for the signature style and function of all things Airblaster.
Features of the Airblaster Blaster Jacket

Insulation: 80 g insulation
Breathability Rating: 10K
Waterproof: Yes
Pockets: Media cord port inside internal pocket
Zipper: YKK Aquagaurd exposed zippers
Fit: Classic Fit
Cuffs: Double strength cuff closure (velcro + snap)
Vents: Mesh-lined underarm vents
Powder Skirt: Removable powder skirt with pass pocket window
Seam Sealing: Fully Seam Taped
Wrist gaitors: Lycra wrist gaiters


Clothing Deals
How to structure payment and distributions in an LLC
Added on : Saturday July 05th 2014 03:00:06 PM
g: 0 Posted By: mustachequestion
Views: 19 Replies: 0 Background:a group of friends started an LLC (all equal equity members) to dabble in residential and commercial remodeling/construction on the side (we all have full time jobs outside of the LLC). One of the guys is the subject matter expert (does the General Contractor work) and has a full time job doing this already with another company. the other two (1 is myself), are providing the business/support side of things; this includes funding startup costs, organizing the business, handling payroll, backend office/process work, marketing, sales, etc etc. The 1-5 year plan was for all of us to get familiar w/ how to quote jobs and make bids, learn the project management side of things and we would eventually have a staggered approach for bringing on each member full time with the SME being first. We have a couple of jobs lined up and had some verbal agreements regarding how the business would be structured and how dividends/salaries would be distributed but haven't formalized anything into an operating agreement that's been blessed by a lawyer.

Scenario: the guy who is our SME just recently lost his job and now will be coming on board our LLC full time (basically our first full time employee). this is a perceived positive - b/c he can now dedicate 100% of his energy towards growing the LLC. However, he basically now wants all profits to go to him up towards a certain salary (let's say $100k for example) and then after he gets paid then the rest of the profit would go back into the company and eventually get distributed in dividends how we see fit. i have some natural reservations regarding this payment structure (stifles the business growth, provides little incentive IMO for him to work beyond the 100k profit he would achieve, etc)

Question: is there a recommended way to structure salary payment so that he is fairly paid but still allows the business to grow and allow the other members to receive a share of the profits? For example, he receives 50% of the profit up until the 100k salary limit is hit and the other 50% goes into the company? Plus we agree to not dip into the company money until his salary is paid and if we have slow periods (this work is very seasonal) then we can always dip into the other 50% company funds to pay the SME. Once we all agree on how we handle profits and pay salaries then we will formalize in an operating agreement.

I have little previous knowledge on how to structure these types of things and i'm by nature very risk-adverse so I figured i would leverage the collective wisdom of the FW community to provide some insight. Thanks in advance for any advice and please let me know if you would like additional details .....
Discussion Deals
Liberty Mutual Auto/Home Insurance-any good?
Added on : Saturday July 05th 2014 03:00:09 AM
g: 0 Posted By: mjp123
Views: 11 Replies: 0 I've been shopping around for Car and Home insurance. We've never had any claims on either, ever, but you never know, especially with the storms getting worse here in the midwest lately.
Liberty Mutual gave me the cheapest quote that would save us approx. $600/year for the same coverage. The CSR said it wasn't an introductory rate. (lol) I'm just concerned that I've read a couple good things, but mostly not-so-good things about them. Anyone can have an agenda, and reviews are mixed on other companies too. Does anyone have experiences good or bad with LM? Thinking if it's too good to be true, maybe it is........

Thanks!

Insurance Deals
Traveling to Costa Rica on a whim!
Added on : Friday July 04th 2014 04:00:12 AM
g: 0 Posted By: wale
Views: 13 Replies: 0 Flying into Liberia and out of San Jose, two weeks early January.

Want to explore a lot of parks and some coast. What's recommended?

Concerned a bit about the food, kinda use to stuff like grilled chicken sandwiches, pizza and coke. Will that be found there as it is here? Is McD's similar? I know it's a great chance to try new things but gastronomical distress is a concern.

Also considering staying at some youth hostels instead of hotels, looking at it as just a place to crash for a night. Worthwhile?

Wide open itinerary.





Discussion Deals
Free Admission for Military to Kings Island through 7-6-14
Added on : Friday July 04th 2014 03:00:17 AM
g: 0 Posted By: puggle
Views: 120 Replies: 0 https://www.visitkingsisland.com/events/things-to-do/events-and-promotions/Tribute-to-the-Armed-Forces
Sports & Outdoors Deals
Free Admission for Military to MI Adventure 7-4-14
Added on : Friday July 04th 2014 03:00:16 AM
g: 0 Posted By: puggle
Views: 109 Replies: 0 https://www.miadventure.com/events/things-to-do/special-events/T...
Limited Eligibility Deals
Free Military Admission to Valleyfair through 7-6-14
Added on : Friday July 04th 2014 03:00:12 AM
g: 0 Posted By: puggle
Views: 93 Replies: 0 https://www.valleyfair.com/events/things-to-do/events-promotions...
Limited Eligibility Deals
g: 0 Posted By: puggle
Views: 81 Replies: 0 https://www.cagreatamerica.com/events/things-to-do/special-event...
Totally Free Deals
Sterilite 4-Drawer Cabinet $53.88 FS to store Walmart
Added on : Thursday July 03rd 2014 05:00:07 PM
g: 0 Posted By: tedhawkins
Views: 155 Replies: 0 Sterilite 4-Drawer Cabinet $53.88 FS to store WalMart

http://www.walmart.com/ip/Sterilite-4-Drawer-Cabinet/8206252

Use the Sterilite 4-Drawer Cabinet in practically any room: utility room, dorm room, child's bedroom or garage. This Sterilite plastic drawer helps you organize your things just the way you want. The hidden rollers ensure smooth movement of drawers. This storage cabinet provides a large amount of space to store your essentials. This Sterilite plastic drawer also features easy-grab handles to open and close drawers effortlessly.

Sterilite 4-Drawer Cabinet:
Use in garage, utility room, dorm room or child's room
Large-capacity drawers glide smoothly on hidden rollers
Made of heavy duty plastic
Sterilite 4-drawer cabinet measures: 25-1/4" L x 18-3/4" W x 35-1/2" H


Home & Garden Deals

Walmart Coupons
g: 0 Posted By: tedhawkins
Views: 137 Replies: 0 Squier Joe Trohman Telecaster Electric Guitar 2 Color Sunburst $299.99 FS @ MF

http://www.musiciansfriend.com/stupid

Product Description

Squier and guitarist Joe Trohman (the Damned Things/Fall Out Boy) have teamed up to create an unusual new take on the venerable early-70s Fender Telecaster Deluxe. The Joe Trohman Telecaster guitar is a triple-pickup beauty that rocks a ton of tones with easy switching features. Like all Squier guitars, it delivers value thats as huge as its sound.

Features include an alder body, C-shaped maple neck, large 1968-style Stratocaster headstock with Trohmans signature on the back, rosewood fingerboard with 12 radius and 22 jumbo frets, two open-coil humbucking pickups (neck and bridge), single-coil Stratocaster middle pickup, five-position rotary pickup selector switch, upper bout kill switch, three-ply black-white-black pickguard, skirted black/chrome amp control knobs, vintage-style six-saddle strings-through-body hardtail bridge, chrome hardware, die-cast tuners and Two-color Sunburst finish.
Features

Body: Alder
Body Shape: Telecaster
Neck
Neck Shape: "C" Shape
Number of Frets: 22
Fret Size: Jumbo Frets
Position Inlays: White Clay Dots
Fretboard Radius: 12" Radius (305 mm)
Fretboard: Rosewood
Neck Material: Maple
Neck Finish: Satin Neck Finish
Nut Width: 1.6875" (43 mm)
Scale Length: 25.5" (64.8 cm)
Headstock: '68 Style Large Stratocaster Headstock
Neck Plate: Chrome Squier Logo
Truss Rods: Adjustable Truss Rod
Truss Rod Nut: 5 mm Hex
Electronics
Pickup Configuration: H/S/H
Bridge Pickup: Open-Coil Humbucking Pickup with Black Bobbin and Bezel (Bridge)
Middle Pickup: Single-Coil Strat Pickup (Middle)
Neck Pickup: Open-Coil Humbucking Pickup with Black Bobbin and Bezel (Neck)
Pickup Switching: 5-Position Rotary: Position 1. Bridge Pickup, Position 2. Bridge and Middle Pickup, Position 3. Middle Pickup, Position 4. Middle and Neck Pickup, Position 5. Neck Pickup; 2-Position Kill Switch
Special Electronics: Rotary 5-Position Selector Switch, Kill Switch
Controls: Volume 1. (Neck Pickup and Neck/Mid in Position 4), Master Tone, Volume 2. (Bridge Pickup and Bridge/Mid in Position 2)
Hardware
Hardware: Chrome
Bridge: Vintage Style 6-Saddle Strings-Thru-Body Hardtail Bridge
Tuning Machines: Standard Die-Cast Tuners
String Nut: White PPS
Switch Tip: Metal Tip on Killswitch
Auxiliary Switching: 2-Position Toggle "Kill Switch"
Strings: NPS, Gauges: .009, .011, .016, .024, .032, .042
Unique Features: 5-Position Rotary Pickup Selector Switch, HSH Pickup configuration, Joe Trohman Signature on Back of Headstock, '68-Style Large Stratocaster Headstock, Skirted Black and Chrome Amp Control Knobs, White Dot Position Inlays, Synthetic Bone Nut
Accessories
Pickguard: 3-Ply Black/White/Black


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g: 0 Posted By: remick
Views: 111 Replies: 0 Why You're Socially Awkward and Bad With Women: The Guide To Social and Dating Prowess
http://www.amazon.com/gp/product/B00ITENK9M

If you're terrified of embarrassing yourself with women, this is for you.
If you're even afraid of small talk with strangers, this is for you.
If you've been reading book after book because you're hoping it will prepare you for anything that could possibly go wrong in social situations, this book will MAKE you get out there and start improving your social skills.
You will learn to make friends easily, engage women in a confident and attractive way, and even fight your way through a crowd of competing men to get the woman of your dreams and KEEP her. And you can do all this without putting on an act and faking your way into bed with her.



The Master Seducer's Handbook: Secrets of the Art of Smooth Seduction
http://www.amazon.com/gp/product/B00CDBM7TQ

Forget about nerves and corny pick up lines, this book will teach you how to win all the women you want by being the sort of man women love to be seduced by charming and articulate, able to use your voice and body language to attract girls to you, expert at leading a girl into intimacy.
You'll enjoy talking to any woman easily and naturally. Youll learn how to get her interested and opening up to you, and how to lead her into deeper and more intimate conversations. You'll know how to flirt with her and get her making mental pictures of the two of you doing outrageously naughty things together.
And theres a sound scientific background to your new skills because the book is based on a comprehensive behavioural modelling study of six men who are all incredibly successful with women.
Most important, The Master Seducer's Handbook isn't just for bars and clubs. You'll enjoy approaching women in just about any situation in shopping malls and libraries, at bus stops and in the street, in museums and galleries anywhere there's an opportunity too good to miss.
There's a built-in bonus, too, because you can use the very same rapport and conversation skills to help you persuade and influence other people in all walks of life your boss, clients and customers, friends and workmates.
Whether you want to have sex with as many females as you can, or just make that one special girl fall madly in love with you, youll learn all you need to know from The Master Seducers Handbook.
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Free steam key for Dino D-Day (FB needed)
Added on : Wednesday July 02nd 2014 02:00:06 PM
g: 0 Posted By: remick
Views: 41 Replies: 0 http://www.pcgamer.com/2014/07/02/free-steam-key/

"Dinosaurs exist and the Nazis have them!" is the tag line for Dino D-Day, a multiplayer shooter set in World War 2 that lets you play as a T-Rex with shoulder-mounted machine guns, or a Velociraptor, or a squidgy human with a gun, among other things. We're teaming up with Bundle Stars to give away a million Steam keys for free, because everyone deserves to become a T-Rex and enjoy a rampage every once in a while. Read on to redeem your key and start playing.

Grab your FREE Steam key for Dino D-Day, courtesy of Bundle Stars and PC Gamer. All you need to do is Like Bundle Stars on Facebook for your key - and get the Bundle Stars newsletter for awesome Steam bundles, deals & giveaways.
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Filed Insurance Claim One Day Late
Added on : Wednesday July 02nd 2014 01:00:07 PM
g: 0 Posted By: jetsfan92588
Views: 26 Replies: 1 I requested to take advantage of the return protection offered by a credit card issuer. I did it within the 90 day period provided. They sent me a form to sign and fax in, along with a receipt from my credit card company. They gave me 30 days. I faxed it on day 31. I was late, no doubt about it. To be clear, I'm not blaming them at all. And, in their position, I would have denied the claim as well.

The claims manager called me and said she was denying my claim because it was late. She said I could send her a letter requesting reconsideration.

My question is, is there anything I can do? I mean, is the "letter offer" just something they're required to provide, but they won't grant an appeal? I'm going to send in the letter, but do you think it's likely that they will still deny the claim?

I wish I still lived in CA when these things happen.
g: 0 Posted By: ctgolfer
Views: 94 Replies: 0 Description

The Replicator 2 Desktop 3D Printer from MakerBot utilizes MakerBot PLA plastic filament for high-quality 3D models while using 32% less energy than its predecessor, the original MakerBot Replicator.

The Replicator 2 provides a 100-micron layer resolution for high quality 3D prints that require little to no sanding or post-production. The Replicator 2 has a build volume of up to 410 cubic inches. This allows you to print multiple things at once for complex assemblies.

The Replicator 2 3D Printer connects to your computer via a USB cable. You can also transfer print files via a Secure Digital memory card. In conjunction with MakerBot MakerWare software, you'll be able to quickly and efficiently print your 3D models with ease, thanks to the user-friendly interface and intuitive icons and menus.

Built with a powdered-coated steel frame, the Replicator 2 can handle high print speeds. The wear-resistant, oil-infused bronze bearings requires less maintenance for added convenience. The 3-point leveling system allows you to adjust more precisely than the original Replicator and stay level for longer. The pop-out acrylic platform makes it easier for you to remove the finished 3D printed model. The updated extruder also requires less maintenance.
Highlights

11.2 x 6.0 x 6.1" Build Volume
100 Micron Layer Resolution
Uses MakerBot PLA Plastic Filament
USB and SD Card Connectivity
3-Point Leveling System
Pop-out Acrylic Platform
STL, OBJ, THING File Formats
MakerBot MakerWare Software
Mac, Windows, & Linux Compatible
3D Printer Made in USA
Features

100-Micron Layer Resolution
The Replicator provides additive manufacturing at 100-micron layer resolution for high quality 3D prints. The high resolution 3D models are smooth so they require little to no sanding or post-production.
410 Cubic Inches of Creative Potential
With a max build volume of 11.2 x 6.1 x 6.0" (12.75" diagonally), the Replicator 2 can print 3D models with up to 37% more volume than its predecessor, the original MakerBot Replicator. It can therefore make complex assemblies in fewer runs as well as produce whole projects instead of just single items.
Designed & Optimized for MakerBot PLA Filament
The Replicator 2 is optimized for MakerBot PLA filament, which is a renewable bioplastic, making it environmentally friendly. The PLA filament can build big with dimensional stability, and it doesn't stick to the platform, resulting in little to no peeling, curling, or sliding. You can also expand your creative palette with a whole range of matte, translucent, shimmery, metallic, and sparkly colors. The PLA filament is strong, which works well for printing out moving parts and complex assemblies. PLA filaments are also ready to print in less than two minutes and have a minimal shrinkage factor, which results in smooth builds with no cracks. PLA filaments also use up to less than 32% energy than ABS filaments.
User-Friendly with Minimal Maintenance
The Replicator 2 requires no assembly. It also has wear-resistant, oil-infused bronze bearings for less maintenance, such as nothing to wash, dissolve, scrub, or tape. The 3-point leveling system adjusts more precisely than the previous model and stays level longer. You can also remove your 3D models easier with the pop-out platform. The Replicator 2 also uses 32% less energy than the original Replicator, thanks to the PLA filament. Also, the updated extruder requires less maintenance as well.
Professionally Engineered
With advancements over the original Replicator, the Replicator 2 has an industrial-strength, powder-coated steel frame, made to handle high printing speeds. It can quickly print projects with optimized software and hardware as well as improved acceleration control firmware.
MakerBot MakerWare Software
With the MakerWare software, the Replicator 2 can prepare models for printing up to 20 times faster, thanks to the MakerBot slicing engine. Just drag and drop multiple models right onto the virtual build space and then make them all at once. MakerWare also supports .stl and .obj files, which is also supported by a majority of third-party design software. MakerWare also supports the .thing file format, which can save multi-part projects into one file. MakerWare has a user-friendly interface with intuitive icons and controls.
Durable Build
The Replicator 2 has a black powder-coated steel frame for durability. It is resistant to changes in temperature and humidity. The Replicator 2 is also customizable as well as designed for quiet desktop operation.
Specs

Product Type: 3D Printer
Product Family: Replicator
Print Jet: Single
Supported Material: Plastic
Brand Name: MakerBot
Print Technology: Fused Filament Fabrication
USB: Yes
Layer Thickness: 0.4 mil
Print/Creation Size: 6.02" x 6.10" x 11.22"
Filament Diameter: 68.9 mil
Height: 15"
Width: 12.6"
Depth: 19.3"
Color: Black
Form Factor: Desktop
Manufacturer: MakerBot Industries, LLC.
Product Name: Replicator 2 Desktop 3D Printer
Product Line: Replicator
Application/Usage: Office,Home
Manufacturer Part Number: MP04948
Manufacturer Website Address: http://www.makerbot.com
Material: Powder Coated Steel - Chassis,Polyvinyl Chloride (PVC) - Body,Acrylic
Weight (Approximate): 25.35 lb

www.ebay.com/itm/371084625117
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Surprising / Interesting Business Deductions
Added on : Tuesday July 01st 2014 05:00:05 PM
g: 2 Posted By: robronson
Views: 195 Replies: 2 Being an independent contractor traveling consultant, I look for ways to max out possible business expenses. I'm not interested in ethics, only what's legal. Nothing is ethical about how taxation works so it's just a matter of following the rules to your most advantage.

As such, I've come up with a handful of neat ideas for business deductions and I'd like to hear from others with interesting ideas:

1) Do your dry cleaning at your customer site, if you travel to a dedicated customer over long periods of time. I used to take my dry cleaning home with me every weekend, and pay extra for my local dry cleaner to expedite overnight service on Friday so it'd be ready for my flight back to the customer on Sunday. Then I learned if I had my dry cleaning done at my customer, it was a business expense, tax deduction, and more importantly, my clothes would be wrinkle-free waiting for me when I flew back. Of course, you should still travel with one pair of business clothes for one day, just in case you can't pick them up first thing Monday morning or in case of a problem. Dry cleaning is NOT a business expense if it's done in your home city, but is when you do it out-of-state at your client site.

2) Switch to a prepaid phone that bills by the minute like a 10 cents per minute plan as your personal phone, and get an unlimited minutes plan for your "business phone". Your business phone will be fully tax deductible, and your personal phone, even though you're not really paying for it if you don't use minutes, is proof to the IRS during an audit that your business phone is strictly business and your personal phone is strictly personal. Much like cars as a business expense, it's better to have a second dedicated to personal use, even if it's a cheap POS beater, so you can deduct 100% of the business car or phone.

3) Do personal errands while traveling for business. Your gas mileage is deductible when driving for business. So why not do your grocery shopping and other errands on the same trip? Then the gas is deductible at 50+ cents per mile, which, if you're driving a fuel efficient vehicle, is double your actual expense. So assuming 50% tax bracket between state, federal, and SE tax, if you're only spending half of the allowable IRS rate on fuel, then the tax break on the trip makes it completely free.

I'm considering buying other things while on business trips such as deodorant and toothpaste. I haven't looked into the rules deeply enough, but I imagine if I buy toothpaste while traveling for work, it may be a business expense. Suppose the airliner lost my luggage and I had to buy more... certainly in that case re-buying hygiene products is a business necessity for me to complete that travel. I wonder what the IRS guidelines are to decide what exactly qualifies.

What tips and tricks for maximizing business deductions have you found?

Discussion Deals
g: 0 Posted By: remick
Views: 192 Replies: 0 http://www.amazon.com/gp/product/B00E7W8CGQ

Whether weight loss is an issue that concerns you directly, or if you know of others who could benefit from the message in this book, or whether youre a Coach/Practitioner who could use the valuable information in your own practice, this book will:

- Sweep away the myths around dieting
- Describe how we are cleverly duped into eating foods that are not as healthy as the advertisements tell us
- Explain how the body really works to help you choose your foods wisely
- Show you how to tap into your natural intuition when it comes to food choices
- Help you get on to The Gentle Path to Definitive Weight Loss

There are only two things this book doesnt include:
- A bunch of confusing rules to abide by
- A prescribed, restrictive, frustrating diet

Claim back your favourite dishes, start enjoying food again in the way that we were ALWAYS intended to, understand our connection with Nature, learn how our conditioned thinking has been influencing our food and dietary choices and how to overcome those influences

The Gentle Path to Definitive Weight Loss the book that will help you get back in touch with You and Your Innate Health
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unusual merchandize shipping error
Added on : Monday June 30th 2014 06:00:06 PM
g: -1 Posted By: awesmoks
Views: 98 Replies: 2 Normally I would return the product no questions asked, but what would you do if a company tried to screw you first? Then made a shipping error in your favor? Lastly, am I required to send it back?

Here is the short/long version of the story. I wanted to buy a $1000+ television and wanted to do so using discounted gift cards purchased from the internet. I proactively asked and received in writing from the television company "yes you can use unlimited gift cards on that television purchase." Well, turns out their system only lets you apply 4 gift cards to any single order and Im stuck with an extra $600 in gift cards. I tried like hell to escalate to management, they refused, even though I had it in writing from their customer service. Since I would rather be stuck with $600 in gift cards than $1000, I ordered the television anyways. Unfortunately its still the cheapest way to go. Then they canceled the order on me because they don't even keep that television in stock but advertise that they do! Stuck with $1000 in gift cards now meaning I have to buy something I don't want. Next thing I know, the television that was ordered originally arrives at my doorstep, and never paid for because it was canceled in their system. Plus I still have all of these gift cards.

Now this really is the short story. They lied a few times in email about other things, not as important, but still added to the problem. And they were all so terrible to deal with. So the big question here, am I legally required to send it back if they ask? I entered a contract with them originally, but once that contract was canceled and I was never charged, shouldn't that negate everything? If I send it back Im stuck with the gift cards which isn't right. Yea I could negotiate with them, but really, after all the hours I've dealt with them, I just don't want to deal with them anymore.
New User Question Deals
g: 0 Posted By: jimmywalt
Views: 30 Replies: 1 I'm looking for a map of the "Complimentary Resort Transportation" at Disney World Orlando. We are looking at staying on-site at Disney and will not have a car.

Specifically I'm wondering if it gets as close to Giordano's Pizzaat 12151 S. APOPKA VINELAND RD LAKE BUENA VISTA, FL 32836- Or within walking distance?

OR theGiordano's at, 7866 W. Irlo Bronson Memorial Hwy, Kissimmee, FL 34747????

We would prefer to eat in vs. delivery.

Also I have heard that there are stores (Target, etc) within walking distance and wonder where they are located.

I'd sure like to find a map so show me where these things are as they relate to the complimentary resort transportation.

I've found the following, but none have hit the Target -
http://disney.go.com/disneyworld/popups/pdf/wdwmap.pdf
AND
https://disneyworld.disney.go.com/planning-guides/in-depth-advice/resort-transportation/

Of course I can Google the address (and did) but I can't tell if it's anywhere near the resort transportation route.

Thank you!
Requests Deals
g: 0 Posted By: remick
Views: 61 Replies: 0 http://www.amazon.com/Its-God-Thing-Miracles-Everyday-ebook/dp/B...

4.8 out of 5 stars (83 customer reviews)

Some things in life have no earthly explanation.
Miracles are not reserved for the characters in the Old and New Testaments; they happen to everyday people.

Series creators Don Jacobson and K-LOVE Radio have joined together to produce one of the most remarkable collections of modern-day miracles ever compiled. From angel appearances in hospital rooms to a mother saved from a would-be assailant in Hyde Park, from a young autistic girl becoming a beautiful ballerina overnight to a young backpacker who walked away from a terrorist attack, Its a God Thing presents some of the most amazing stories of Gods hand on our lives.
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g: 0 Posted By: ctgolfer
Views: 36 Replies: 0 Intel Pentium processor G3240
Basic dual-core processor boosts multitasking capabilities for reliable Internet browsing, e-mail and everyday productivity.
4GB system memory for basic multitasking
Adequate high-bandwidth RAM to smoothly run multiple applications and browser tabs all at once.
DVD/CD burner
Reads and writes to a variety of media formats, including DVD+R/RW, DVD-R/RW and CD-R/RW.
1TB hard drive for ample file storage space
Holds a significant collection of digital photos, music, HD videos and DVD-quality movies. 7200 rpm spindle speed enables rapid read/write times for handling large files and complex applications.
Built-in media reader for simple photo transfer
Supports Secure Digital, Secure Digital High Capacity, SDXC, Memory Stick, Memory Stick PRO, MultiMediaCard, MultiMediaCard Plus and xD-Picture Card formats.
4 USB 3.0 ports maximize the latest high-speed devices
Also includes 4 USB 2.0 ports to connect more accessories and peripherals. The USB 3.0 ports are backward-compatible with USB 2.0 devices (at 2.0 speeds).
Wireless and wired network connectivity
Built-in high-speed wireless LAN connects to your network on the most common Wi-Fi standards. Gigabit Ethernet LAN port plugs into wired networks.
Bluetooth 4.0 interface syncs with compatible devices
Wirelessly transfer photos, music and other media between the laptop and your Bluetooth-enabled cell phone or MP3 player, or connect Bluetooth wireless accessories.
Microsoft Windows 8 operating system
Customize your new Start screen with instant access to the things you care about most, or restore the familiar Windows desktop experience with an improved taskbar and streamlined file management.
Basic software package included
1-month trial of Microsoft Office 365.
Additional ports
Microphone input. Headphone output.

www.bestbuy.com/site/dell-inspiron-desktop-4gb-memory-1tb-hard-d...
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New Arrivals: Rebecca Minkoff - Mini M.A.C. Black Leather Clutch
Added on : Sunday June 29th 2014 09:00:05 AM
Mini M.A.C. Leather Clutch by Rebecca Minkoff which proves that big things come in small packages with just enough space to stash your essentials that goes from street style to evening fun with ease. Features adjustable chain and studded leather strap that can can be singled, doubled, or removed, large gold tone clip and gold tone accents with leather ties. Signature dust bag included.
New Arrivals: Rebecca Minkoff - Mini M.A.C. White Leather Clutch
Added on : Sunday June 29th 2014 09:00:05 AM
Mini M.A.C. White Leather Clutch by Rebecca Minkoff which proves that big things come in small packages with just enough space to stash your essentials that goes from street style to evening fun with ease. Features adjustable chain and studded leather strap that can can be singled, doubled, or removed, large gold tone clip and gold tone accents with leather ties. Signature dust bag included.
New Arrivals: Rebecca Minkoff - Mini M.A.C. Silver Leather Clutch
Added on : Sunday June 29th 2014 09:00:05 AM
Mini M.A.C. Silver Leather Clutch by Rebecca Minkoff which proves that big things come in small packages with just enough space to stash your essentials that goes from street style to evening fun with ease. Features adjustable chain and studded leather strap that can can be singled, doubled, or removed, large silver tone clip and silver tone accents with leather ties. Signature dust bag included.
g: 1 Posted By: st4rdust
Views: 110 Replies: 0 The Microsoft Store is offering a couple of Xbox 360 games at discounted prices. Shipping is free.

BioShock Infinite-$11.99- 9.4/10 at IGN
Dead Space 3: Limited Edition-$9.99- 7.3/10 at IGN


I have only played Dead Space 3 for like 10 minutes, but it was enough to get sufficiently creeped out. I have heard only good things.

I played and beat Bioshock Infinite and I absolutely loved it. Elizabeth and Booker might be my favorite characters of all time. I cannot speak on the story for fear of giving something away, but I highly recommend it.
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Free Kindle Book - The Amazing Animal Superbook
Added on : Friday June 27th 2014 06:00:17 AM
g: 0 Posted By: remick
Views: 119 Replies: 0 http://www.amazon.com/gp/product/B00BNZHSU6

Did you know that there is a snake that can see with its tail? Are you aware that there exists a large mammal that can jump distances of up to fifty feet? How about the virus that turns caterpillars into zombies? The Amazing Animal Superbook has all of this and much, much more. Filled to the brim with over 1,000 incredible and compelling animal facts as well as 350 beautiful full-color photographs and multiple bonus features, no book covers the wide range of the animal kingdom in a more entertaining and informative way.

Whether youre interested in lions, bears, birds, sharks, spiders, elephants, snakes, octopuses, bugs, dogs, or earthworms, it doesnt matter. The Amazing Animal Superbook has something for you.

This volume was written with young people in mind, but in such a comprehensive way that even experts will find themselves learning new and exciting things. If you're an adult who loves animals, you will adore it. If you buy it for a young person interested in science, it will likely be remembered as one of their favorite books from adolescence. Makes for an awesome coffee table book and conversation starter. The ultimate bathroom reader. Something for everyone!
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Craftsman 54 pc. Driving Set $9.89 in-store @ Sears
Added on : Friday June 27th 2014 06:00:06 AM
g: 0 Posted By: ctgolfer
Views: 109 Replies: 0 With enough bits to do most anything you need to do around the house, the Craftsman 54 pc driving set is one of the best things to happen to a drill since it went cordless
1/4 inch Speed-Lok quick connector allows one-handed tool changes and helps prevent the bits from slipping in the drill
The set includes a magnetic bit holder, 33 assorted 1-inch insert bits, nine assorted 2-inch power bits, three 3-inch power bits and seven assorted nut setters
Made of high speed steel
A compact molded case helps keep everything together
Weighs 1.6 pounds

www.sears.com/craftsman-54-pc-driving-set/p-00926393000P
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g: 0 Posted By: ctgolfer
Views: 27 Replies: 0 iPhoto - everything you love about viewing, editing, and sharing photos but with the power and simplicity of Multi‑Touch.
iMovie - You can shoot 1080p HD movies from your iPad. And with iMovie, you can turn that footage into a Hollywood-style trailer or mini feature film.
GarageBand - GarageBand lets you play a collection of Touch and Smart Instruments that sound just like their real counterparts but let you do things you never could on a real instrument.
Pages - Apple-designed templates and easy-to-use formatting tools let you create beautiful letters, flyers, reports, invitations, and more.
Numbers - Make innovative spreadsheets in a few taps with over 250 easy-to-use functions, an intelligent keyboard, flexible tables, and fun 3D charts.
Keynote - Create presentations with elegantly designed themes, custom graphic styles, stunning transitions, animated 3D charts, and more.
Facebook - Keep up with the people you know. Share your updates, photos, and videos. And see what friends and family are up to.
MLB.com At Bat - See every pitch and every at bat live on iPad. Get home and away radio broadcasts, video highlights, news, stats, and more.
Gilt Taste - Get great deals on food and wine, and read exclusive stories and recipes from famous chefs and food writers.
Houzz Interior Design Ideas - Browse design photos by style, room, or location, and find local designers who can make your design dreams a reality.
Barefoot World Atlas - Learn about different regions of the planet, encounter amazing wildlife, discover landmarks, and see the world in 3D.


www.ebay.com/itm/Apple-iPad-w-Retina-Display-Latest-Model-16GB-W...
g: 0 Posted By: ctgolfer
Views: 97 Replies: 0 The Raspberry Pi is a single-board computer developed in the UK by the Raspberry Pi Foundation. The Raspberry Pi is a credit-card sized computer that plugs into your TV and a keyboard. It's a capable little PC which can be used for many of the things that your desktop PC does, like spreadsheets, word-processing, and games, as well as plays high-definition video. The design is based around a Broadcom BCM2835 SoC, which includes an ARM1176JZF-S 700 MHz processor, VideoCore IV GPU, and 512 Megabytes of RAM. This revision 2.0 board features two mounting holes for easy installation, a built-in reset circuit, and can be powered via the USB data ports. The design does not include a built-in hard disk or solid-state drive, instead relying on an SD card (not included) for booting and long-term storage. The Raspberry Pi is intended to run Linux kernel based operating systems.

Broadcom BCM2835 700MHz ARM1176JZFS processor with FPU and Videocore 4 GPU

GPU provides Open GL ES 2.0, hardware-accelerated OpenVG, and 1080p30 H.264 high-profile decode, GPU is capable of 1Gpixel/s, 1.5Gtexel/s or 24GFLOPs with texture filtering and DMA infrastructure

512MB RAM

Additional specs: 10/100 BaseT Ethernet, HDMI, (2) USB 2.0, RCA video, SD card socket, Powered from microUSB socket, 3.5 mm audio out jack, boots from SD card, Size: 85.6 x 56 x 21 mm

Model B Revision 2.0 Board-only (no SD card, case, or cables)

www.newegg.com/Product/Product.aspx?Item=N82E16813142001
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g: 0 Posted By: ctgolfer
Views: 51 Replies: 0 Fashion outdoor chair with built-in cup holder has a high 225-pound capacity, so most people can sit comfortably with no problems
The durable fabric resists wear and discoloration, but it also keeps you comfortable during extended sitting periods
The included carrying case and shoulder strap help you keep your hands free for coolers, beach umbrellas and other accessories
Unfold, place and go; the simple mechanism beneath the seat is stable and extremely easy to operate
The side pocket is ideal for small things you don't want to keep in your pants pockets
A conveniently built-in armrest cup holder ensures that you don't have to worry about spilled beverages ever again

www.kmart.com/search=5799816?storeId=10151&catalogId=10104&viewI...
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Free Kindle Book - Success Guide For Raising Healthy Goats
Added on : Monday June 23rd 2014 10:00:16 AM
g: 0 Posted By: remick
Views: 67 Replies: 0 http://www.amazon.com/gp/product/B007LNW2A0

When you are thinking about keeping goats you need to have some good knowledge about what to consider, before taking on this long-term commitment. This easy to read guide, gives you the basic information you need to know and what is likely to be involved.

Preventative health care is essential for animals and especially for goats that are ruminants. The guide leads you through what a beginner needs to know to get started and to be successful at goat keeping.

Covers introduction and basic information about goats, Goat Breeds, Pygmy Goats,
Nubian Goats, Goat Housing, Feeding Goats, Bottle-Feeding Kids, Maintenance And Service Management, Pregnancy, Birthing, Milking, The Process, Management And Care Of Goats, Essential For Your Goats, Goat Care Tips, Management And Care Of Kids, List Of Things Needed For Kidding, Management And Care Of Bucks, Common Disorders Of Adult Goats, Some common goat diseases, Abortion, Arthritis, Anthrax, Bronchitis, Bloat, Brucellosis, Campylobacteriosis, Caprine Arthritis Encephalitis, CAE, Caseous Lymphadenitis, Chlamydiosis, Coccidiosis, Contagious Agalactia, Dermatitis, Labial Dermatitis, Labial And Interdigital Dermatitis, Allergic Dermatitis, Eye Illnesses, Conjunctivitis, Pink Eye, Foot and Mouth Disease, Foot Rot, Goat Pox, Hemorrhagic Septicaemia, Johnes' Disease, Mastitis, Scrapie, Toxoplasmosis, Common Disorders Of Kids, Arthritis, Coccidiosis, Diarrhoea, Pneumonia, Floppy Kid Syndrome, White Muscle Disease, Vaccines and Vaccinations, Goats And Parasites, Goats And The Law and Records And Record Keeping
Books & Magazines Deals
g: 3 Posted By: remick
Views: 1234 Replies: 1 http://www.amazon.com/gp/product/B00IFKLW9U/

Tiarra is half Vulcan and half Earth woman. She has special talents that alert her loved ones to her presence. She is trained to do all jobs on a star fleet star-ship. Her first assignment is on board the S.S. Victor which is captained by her Earthling brother. Tiarra falls in love with another half breed and their union starts a star fleet precedent new to the space community.
Tiarra is very much in the Star Trek vein. You may see some similarities but Tiarra is basically a love story between two half Vulcan/half Earth people who experience the Passion Ties of Vulca.
One of them is pledged to someone else but the passion tie between Tiarra and Braack cannot be denied. It could be dangerous to the S. S. Victor itself.
A duel is committed to break the original passion tie pledge, but not without consequences. The fall out from the duel lingers in their life for quite a while.


Seal of the King
http://www.amazon.com/gp/product/B00E52VRBA

The battle between dark and light rages and the world is on the CUSP of a tipping point. Will an age of darkness befall mankind or will the light prevail?
David and Aurora have seen visions of each other their entire lives but never met, until now. Aurora a fearsome warrior and David a simple farmer are thrust into the heart of the battle. An ancient prophecy foretells of their final showdown with the Dark One. Will their faith be strong enough for them to prevail?
Join them as they embark on their journey to the lair of the beast knowing they may never return.


Zylan's Messengers
http://www.amazon.com/dp/B00GKQPR3S

Three civilizations separated by billions of years in time and millions of light years in distance, come to life as their disparate histories converge to help the human race survive in 2408, when all of their bad decisions come back to haunt them.
The highly advanced Zylan civilization's planet expired of natural causes about 3.5 billion years ago, but not before they dispatched "Messengers" around the universe to teach the knowledge and legacy of their three hundred thousand year existence. One of those Messengers landed on a planet in the Andromeda galaxy and one on Earth connecting these two planets as they both attempt to manage their respective declines. The other civilization, much more advanced than Earth, in an effort to save themselves, offers a technological solution to Earth's problems, but with a price to be paid in the distant future.
Will the human race honor the commitments of their forefathers, or are they willing to risk the wrath of their benefactors? Zylan's Messengers explores the reasons that humans are the only animals on Earth that make conscious decisions that are bad for their survival


Everflame
http://www.amazon.com/gp/product/B008QZMX7E

Long ago, when the earth was young... Four ancient beings created man to be the bastion of the earth and its creatures. But when The Great Tyrant came and chased The Ancients away, the world was transformed into a place of fear and isolation. Over time humans lost the connection they had with a world they had been created to protect. Now, deep in the forests that surround Gray Mountain, two bears find a small child that is abandoned and left for dead. They name him Evercloud, and raise him as a member of their kingdom. Teaching him the secrets of the elders, they tell him of the ancient beings that created man and the rumors of their return. Evercloud must now go on a quest to return The Ancients to power. However, in another corner of the land, a man known only as The Messenger travels the land under a white hood, on a mission to prevent the return of The Ancients. We follow the paths each of these men take until their stories collide in an epic battle of good versus evil.


The Waking Moon
http://www.amazon.com/dp/B00G3BJURO

The beloved paranormal romance that created an international fandom, now available for Kindle!
Paulette's life is in shambles. Her sister is dead, her mother is a drunk, and she's been forced to transfer into a chaotic public school full of bullies. Things go from bad to worse when her intoxicated mother hits and kills a teenage boy and is sent to jail. Now she is truly alone. That is until the teenage boy mysteriously comes looking for her, convinced that he and Paulette are meant to be together. He is the most beautiful boy shes ever seen. But dead.
Afraid he'll find her insane, Paulette must keep the secret from her love-struck best friend, Rhodes, a prodigy who lives and breathes rationality and science. In the end, it's up to her to save them all from the power-hungry, undead teens who want to kill her, kidnap Rhodes, and claim Jack as their own.


New on 6/22

CyberStorm
http://www.amazon.com/gp/product/B00BT4QRHG

Now being made into a major motion picture by 20th Century Fox, with Bill Kennedy of House of Cards adapting the screenplay.
Mike Mitchell, an average New Yorker already struggling to keep his family together, suddenly finds himself fighting just to keep them alive when a bizarre string of disasters starts tearing apart the world around them. The Internet goes down. A bird-flu epidemic starts raging. Rumors spread that it's all part of a coordinated foreign attack. And then the power goes out as a monster snowstorm plunges New York into frozen darkness, becoming a wintry tomb where nothing is what it seems...and no one can be trusted...
"As a member of the Military that does 'cyber' for his job, finally we see a novel that shows how dangerous our transition to an interconnected infrastructure will become without proper safeguards...I couldn't put down!" - Karic Allegra, Joint Interoperability Command, US NAVY
What caused it? Who caused it? How can it be stopped? These questions become unimportant as Mike's family struggles to survive amid millions of people in the doomed metropolis.


The Transhumanist Wager
http://www.amazon.com/gp/product/B00AQQSY60/

"WINNER" Fiction Visionary - International Book Awards
Leading futurist, philosopher, and former National Geographic journalist Zoltan Istvan presents his award-winning, bestselling visionary novel, The Transhumanist Wager, as a seminal statement of our times.
His philosophical thriller has been called "revolutionary," "life-changing," and "a masterpiece" by readers, scholars, and critics. The novel debuts a challenging original philosophy, which rebuffs modern civilization by inviting the end of the human species--and declaring the onset of something greater.


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Jessica Howard Sleeveless Polka-Dot Shift $38.99 Macys.com
Added on : Saturday June 21st 2014 10:00:06 AM
g: 0 Posted By: DaysFan
Views: 115 Replies: 1 linked
http://www1.macys.com/Jessica Howard Sleeveless Polka-Dot ShiftWeb ID: 1494250Limited-Time SpecialReg. $79.00
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g: 0 Posted By: remick
Views: 139 Replies: 0 http://www.amazon.com/gp/product/B00IFKLW9U/

Tiarra is half Vulcan and half Earth woman. She has special talents that alert her loved ones to her presence. She is trained to do all jobs on a star fleet star-ship. Her first assignment is on board the S.S. Victor which is captained by her Earthling brother. Tiarra falls in love with another half breed and their union starts a star fleet precedent new to the space community.
Tiarra is very much in the Star Trek vein. You may see some similarities but Tiarra is basically a love story between two half Vulcan/half Earth people who experience the Passion Ties of Vulca.
One of them is pledged to someone else but the passion tie between Tiarra and Braack cannot be denied. It could be dangerous to the S. S. Victor itself.
A duel is committed to break the original passion tie pledge, but not without consequences. The fall out from the duel lingers in their life for quite a while.


Without
http://www.amazon.com/gp/product/B008OLD5DG

The apocalypse came as a whisper.
Mother Nature had been sending signs for three years, but most didn't pay attention until she pulled the plug on everything. Nobody will forget where they were and what they were doing at 8:13 on that morning. They're all still waiting for 8:14. Well, at least the ones that have made it so far.
He was stuck in Atlanta traffic, making his way to work, when the world fell silent. His car, his radio, his phone, his watch, anything that needed a spark, a battery, or an outlet died. The silence didn't last long and neither did she. He didn't know if the yellow sundress was the first to die, but he does know that she wasn't the last. Not even close.
As aircraft fell out of the sky, panicked drivers lost control in the fast lane, and pace makers stopped keeping their rhythms, he got out of his car and popped the trunk. Most didn't pay attention, but he did. And he knew what was coming.


Abomination
http://www.amazon.com/gp/product/B005Q2N4NC

They were built as unstoppable warriors. They became unstoppable monsters.
Four decorated U.S. Marines with spotless service records are wanted for the brutal rapes and murders of over a dozen women within four months. Their hunting grounds stretch from New York to Georgia. When Ryan Pearson and his team of FBI agents close in on the first killer, the cornered Marine nearly defeats three heavily armed assault teams with nothing but unbridled violence and grossly deformed hands.
After the bloody encounter that left another woman and two agents dead, Ryan begins to question the directives of the military liaison and his own boss, the Deputy Director of the Bureau. The answer he discovers during his unsanctioned investigation blurs the normally focused line between victim and criminal.
Ryan enlists the help of a civilian scientist that can link the sociopathic behavior of the four fugitive Marines to a biomedical research facility where they were stationed prior to the murders. When the scientist Ryan befriends is attacked in a military style ambush, he forces himself to remember every detail of the violence. He wants to remember so he knows exactly what to give back to the ones responsible.


Seal of the King
http://www.amazon.com/gp/product/B00E52VRBA

The battle between dark and light rages and the world is on the CUSP of a tipping point. Will an age of darkness befall mankind or will the light prevail?
David and Aurora have seen visions of each other their entire lives but never met, until now. Aurora a fearsome warrior and David a simple farmer are thrust into the heart of the battle. An ancient prophecy foretells of their final showdown with the Dark One. Will their faith be strong enough for them to prevail?
Join them as they embark on their journey to the lair of the beast knowing they may never return.


Zylan's Messengers
http://www.amazon.com/dp/B00GKQPR3S

Three civilizations separated by billions of years in time and millions of light years in distance, come to life as their disparate histories converge to help the human race survive in 2408, when all of their bad decisions come back to haunt them.
The highly advanced Zylan civilization's planet expired of natural causes about 3.5 billion years ago, but not before they dispatched "Messengers" around the universe to teach the knowledge and legacy of their three hundred thousand year existence. One of those Messengers landed on a planet in the Andromeda galaxy and one on Earth connecting these two planets as they both attempt to manage their respective declines. The other civilization, much more advanced than Earth, in an effort to save themselves, offers a technological solution to Earth's problems, but with a price to be paid in the distant future.
Will the human race honor the commitments of their forefathers, or are they willing to risk the wrath of their benefactors? Zylan's Messengers explores the reasons that humans are the only animals on Earth that make conscious decisions that are bad for their survival


Everflame
http://www.amazon.com/gp/product/B008QZMX7E

Long ago, when the earth was young... Four ancient beings created man to be the bastion of the earth and its creatures. But when The Great Tyrant came and chased The Ancients away, the world was transformed into a place of fear and isolation. Over time humans lost the connection they had with a world they had been created to protect. Now, deep in the forests that surround Gray Mountain, two bears find a small child that is abandoned and left for dead. They name him Evercloud, and raise him as a member of their kingdom. Teaching him the secrets of the elders, they tell him of the ancient beings that created man and the rumors of their return. Evercloud must now go on a quest to return The Ancients to power. However, in another corner of the land, a man known only as The Messenger travels the land under a white hood, on a mission to prevent the return of The Ancients. We follow the paths each of these men take until their stories collide in an epic battle of good versus evil.


Nowhere Blvd: A Horror Novel
http://www.amazon.com/dp/B006R4RTSE

In this Kindle horror exclusive, eleven year old Spencer Williams mysteriously re-appears in his bedroom after having been missing for two years. The story of where he's been is one no sane person would believe, a tale of being kidnapped by a creature out of legend and taken to a scary and strange urban fantasy land. A place where young children the world over are subjected to horrible experiments by the original boogie man, the living nightmare known as Smiling Jack.
Spencer keeps his secrets, happy to have been the only child ever to have escaped the clutches of Smiling Jack and his minions. With his nightmares fading into the past, Spencer returns home and tries to live a normal life. But when his baby sister goes missing, will Spencer be willing to take the ultimate risk to save her?
Will he be willing to return to the horror of Nowhere Blvd?


The Waking Moon
http://www.amazon.com/dp/B00G3BJURO

The beloved paranormal romance that created an international fandom, now available for Kindle!
Paulette's life is in shambles. Her sister is dead, her mother is a drunk, and she's been forced to transfer into a chaotic public school full of bullies. Things go from bad to worse when her intoxicated mother hits and kills a teenage boy and is sent to jail. Now she is truly alone. That is until the teenage boy mysteriously comes looking for her, convinced that he and Paulette are meant to be together. He is the most beautiful boy shes ever seen. But dead.
Afraid he'll find her insane, Paulette must keep the secret from her love-struck best friend, Rhodes, a prodigy who lives and breathes rationality and science. In the end, it's up to her to save them all from the power-hungry, undead teens who want to kill her, kidnap Rhodes, and claim Jack as their own.

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g: 1 Posted By: robronson
Views: 118 Replies: 4 From my understanding of federal student loan debt that is discharged after 20/25 years (depending on your plan), you become liable for income taxes on the amount forgiven. While I don't expect this to remain once people's student loans start getting discharged in 10 to 15 years under these relatively new plans, because people won't be able to pay income taxes on a phantom $300k of student loan debt (after 25 years of compounded unpaid interest on a $50k to $100k principal) and will get their elected officials to change the law.

However, we can't prepare for that, and reading a thread on FWF tonight got me to learn about avoiding income taxes on discharged debt through "insolvency tests". I did some googling and read this IRS information here:

http://www.irs.gov/publications/p4681/index.html#en_US_2013_publ...

To summarize, it looks like the IRS will perform this insolvency test to determine whether you have to pay income taxes on those $300k of forgiven student loans in 20 years. Simply put, the test looks to see how much debt you had forgiven compared to your assets, and whatever the difference between the two numbers (liabilities minus assets) determines how much of the forgiven debt you need to pay taxes on.

Unfortunately, and VERY UNFAIRLY, the IRS counts retirement assets as assets. Which is ridiculous because $100k in a 401k isn't worth $100k. It's worth maybe $80k after you pay taxes on it. And if you had to withdraw it early, with a penalty, it's worth maybe $50k to $60k depending on your marginal tax break. Thus, the purpose of this thread is to strategize ways to make the insolvency test work in your favor because as written, it's very much against you.

Much like Medicaid fraud, I mean Medicaid asset protection, you probably don't want to start doing these things in the year your debt will be forgiven. So while the earliest any of us might possibly be forgiven for debt is still probably 10+ years out (since this plan didn't start until the early 2000s), it's worth thinking about in advance.

Here's some random ideas that may work:

1) Buy a house. As expensive as the bank will lend you money for, with as little down payment as possible, leading up to the debt forgiveness. It appears that the liability of the house counts in the liabilities column. So if you buy a $200k house with $40k down, then you now have $160k in Liabilities and $40k in assets for a net Liability of $120k.

2) Start converting 401k into Roth IRA in the years leading up to the loan forgiveness. Pay the taxes owed on the conversion out of the 401k money if necessary. Pay a penalty if necessary. You will get hosed for every $1 you have in your 401k or Traditional IRA because they will count every 60 cents to 80 cents in actual value (after you distribute the money and pay taxes/penalties) as $1. Since $1 of a Roth IRA is worth significantly more than $1 of a Traditional IRA or 401k, but the asset test counts the dollars the same, it may be worth converting even if it pushes you into a higher marginal tax bracket.

3) AOR BT Time, if those still exist in 10+ years. That's debt. If the cash vanishes, maybe because you went to Vegas, then the cash isn't an asset. But the BT is definitely a liability.

4) Borrow money from friends/relatives. Make it official. Notarized contracts. These are all liabilities.

5) Prepay for things you can prepay that won't count as assets. Prepay your child's education or daycare. Etc.

6) Combine strategies. Don't just have a notarized piece of paper that says you borrowed $300k from your best friend a week before the loan discharged. No one will believe that. But if you have a $100k left on a mortgage, $5k owed to your cousin, $20k on credit cards BTs, convert all of your 401k to Roth IRA over a few years, then the total strategy looks legit on a whole.

Curious to hear people's ideas on these. I don't feel bad for discussing them because (a) the concept that the IRS will tax you on income you didn't get and (b) the concept that they'll count your 401k assets as $1 for $1 are so totally biased against you that anything and everything is fair game, as long as it's legal. Ethics no longer applies.

I'm writing this for student loan debt forgiveness but feel free to use this to discuss any current 2014 debt forgiveness/insolvency testing issues.
Discussion Deals
How much of net worth should go into primary house
Added on : Friday June 20th 2014 01:00:05 PM
g: -1 Posted By: David415
Views: 169 Replies: 2 Hi Guys,

Just wanted to see what people's opinions are on this topic. Some background first. I live in the San Francisco Bay Area where house prices are expensive. My wife and I make combined 250k/yr. Me and my wife are in our mid-late thirties.

Here's my general situation:

200k cash savings
825k stocks
580k retirement accounts
250k investment condo with a 250k mortgage (I exactly breakeven on this condo each year. so don't really need to figure this in really)
890k primary house with a 500k mortgage
No other debts
Assume no inheritance money in future

I'm thinking of upgrading to a bigger house and renting out my current one. I believe I can rent out my current house and it will cover all expenses such as mortgage, insurance, taxes. Here is where I would like to see what you guys would do. The house I'd like to move into is 1.5M. If I got a house like that I would be happy staying there forever, but a big chunk of our monthly income would go towards mortgage. We could do it but probably would have very little to invest in other things. Or I can buy a slightly smaller house at around 1.3M or just stay in my current house a little longer like 3 years and then buy when I've saved a little more.

To me I think a house is a relatively safe investment over the long term. Since I plan to live here for a long time I don't see it as much risk at all and it might be good to just get the house you want early and enjoy it for a very long time.

What do you think?
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Added on : Thursday June 19th 2014 03:00:02 AM
g: 0 Posted By: SieSilverStars
Views: 0 Replies: 0 LivingSocial is offering 20% off their entire site.

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banking opperations
Added on : Thursday June 19th 2014 02:00:07 AM
g: 0 Posted By: tink3975
Views: 64 Replies: 2 I recently read quite a few responses to(what banks fingerprint you and which ones don't) . I heard some of the funniest responses, not just one. First off banks are only allowed to ask for you state i'd. If they ask for your social or your fingerprint and you decide not to give out that information then that is your right as an American citizen to keep your debtor number, as it should be called. You use your as card to keep up with your debt. Today if you owe money to the bank you are put on check systems. Which turns over every 5 years. Not you credit. The only way they can garnish your wages, throw you in jail or apply it to your credit is through the courts. They have to sue you and prove without a doubt you owe this money. They never think you will show up so they never bring the correct documents. Ask for one page if they can't produce it case dismissed. Now the reason I HAD to say something is because Americans recieve the wrong information through different sources such as these message boards. Spend more time at a library studying the constitution and all amendment. If a bank turns you down for not giving them your social you can sue them. Nothing besides credit cards go through you social. Banks use your I'd to list you on check systems. NOW the funny thing I heard many people say which horrifies me as an American citizen that there are so many uneducated Americans. More than once and I quote the only people whose fingerprints show anything is if they have been scanned before for either for getting in trouble or having a business license or some sort of document you put your print on. Ok first and funniest everyone has been fingerprinted....when you are born. And since so many are so undereducated let me guide you to investigate more about what your rights are. You can even deny fingerprinting in jail. The process may take a but longer but that up to you. Most just listen and do what they are told. The only thing you are even required to give the police is what they ask for first off. Licence and registration. Now back to the bank not letting you open some kind of account without giving your social. You syes because they defiled your right to withhold your private information. That is against the constitution. Bank don't have time for court usually well maybe...bend over backward- REALLY? At least they're honest. All a bank does is take your money, keep up with your amount that you are letting them hold on to for a price usually. And most of our money is tied up in the stock market. You are investing in that bank and if it fails to properly use their customers money they go bankrupt and get out quick. Now for a normal person you say my money is right there they are not using it for profit..... A bank is a business just like any other. They must pay their employees which some make triple digits btw and we pay them to not mess up. Now there are I m not going to say good but decent banks with great interest rates as long as they don't go under or get our ol famous bailouts. Check how many banks got OUR money to decide how to fix the problems. A lot of banks still couldn't make it or where not close enough to the government to get the bailouta or become an elite group of bankers who work the treasury dept. If I m not mistaken please forgive me for my ignorance but I believe there are 5 treasury dept employees that not only got the biggest bailout, enough for personal 20000 $ bonuses inside the company but then they manage all our debt cause we don't have money, but they sure do. Extensive paychecks, personal vehicles, gascards, you name it. State government are finally getting recognized for all OUR money. I know I m going on and on. Last info before I go the government has you on record wether you have done anything wrong or good. They hear your calls, they check your email..... In the name of safety and security.lol yea if they need to find you they will. It may take 20 years or even after you are pronounced dead.....Jesus were dumb. Or just be Snowden and go tell the people we owe millions of trillions of $ to that we are illegally spying on them and asked for protection. Some say he is a traitor I personally think he is doing right by himself. He knew he saw stuff and dipped. Cause here we kill people that are problems or disagree with our misguided used of what our founding fathers stood for, or the homeless sick and old veterans starving on food stamps if at all, we give little pricks all the power. Everyday all day. Why would one person matter. Why do we not stock together like Egypt? Why do we constantly allow the few to speak geberish and fight over the most trivial things....I could fix all our problems: no job? To many people. I m not racist in anyway but how does it make any sense that we don't have enough work for American born citizens why would we continue to accept new visas. If you became a citizen correctly and not hopped over the border and pop a kid out. Sound harsh? You pay for them. They get grants for a house, a car and a tax free business for 5 years then switch it to another family members name to avoid taxes. I have an Indian friend who explained what he has been soon for years. Then instead of pumping the $ into our amazing country that they had to come to they send it home. Now I do believe black people (yes I m white) and black people came from all over under the assumption they too would work and be taken care of only to be enslaved and kept here against their will. And they don't get approved for grants half as much as they should and usually its nowhere near what they deserve or what they need. The majority fight in the streets for not even a quarter of old Richey rich who is older than sort most the time. Or even the American Indians. No foreigner should be allowed to take our hard earned cash to make a living. I don't mean to sound heartless but if your country is that bad, then God places you there for a reason. I think some.not all of 3rd world countries are better off. We eat things that we created- we have horrible FDA standards- our income gaps are atroshish. Who ever thought a man that plays a game would make millions and our teachers,police officers, and emergency personal make barely over min. Wage. Let the visas run out and shot since we give then grants anyways help the get on their feet at home until population control and the economy gets back to Clinton days. Oh who cares he got his young sec to go down on him, if his wife obviously didn't care. He made us money, I could leave out one day and have five jobs. Now we live on too of one another either so rich the the united states were suing him for monopolizing the internet, which how do you monopolize on something you created..anyway- or we have the I'm middle class who look rich but have nothing because their pride and greed.or you have the almost what 75% of our population is starving and then they buy the most cheap groceries which are full of hormones and God knows what else. I know I said I would stop and I am but last last thing I would recommend finding out more about you social security card all together. Find out what all the numbers and letters mean. It will shock you
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Walt Disney World
Added on : Thursday June 19th 2014 02:00:07 AM
g: 0 Posted By: TeryJack
Views: 8 Replies: 0 Walt Disney World is an amazing attraction in Florida. It attracts thousands of people every year especially families for its fun and entertaining activities. The Magic Kingdom, ‎Epcot, ‎Disney's Hollywood Studios and ‎Animal Kingdom are the most attractive places to visit there. Here I am going to share some links that are very useful to get further details about things to do at Walt Disney World:
https://disneyworld.disney.go.com/activities/
http://en.wikipedia.org/wiki/Walt_Disney_World
Guys! Have you ever been there? Let me know about your favorite things to do there.
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g: 4 Posted By: remick
Views: 273 Replies: 0 London Budget Getaway (Bravo Your City!)
http://www.amazon.com/gp/product/B00ED2CMLQ

London is expensive, but you can still enjoy it on a budget with these tips, especially if its your first visit!
London Budget Getaway is a perfect travel companion for a short stay in one of the worlds most iconic cities, offering plenty of low cost suggestions so that family, friends and loved ones can experience Londons most popular sights and cultural attractions without breaking the bank.
Tour art galleries, exhibitions, cinemas and the most visited museum in Britain. Encounter otherworldly presences in the haunted London Underground. Explore world famous markets, streets, squares, monuments and intriguing architecture. Sample some of the best beers, ales, ciders and stouts brewed in Britain. Find the best views of the London city skyline. Splurge a little and treat yourself to a West End show. Take your pick of fun things to do in London because this guide is packed full of advice to make sure your itinerary has plenty of scope.


Things to do in Amsterdam: Museums: Guide to the Rijksmuseum, Van Gogh Museum, Anne Frank House and Hermitage Museum
http://www.amazon.com/gp/product/B00ELANF3Y

If you go to Amsterdam (Holland) and want to pay a visit to its many interesting museums, then this is your guide. Things To Do in Amsterdam: Museums comprises four museum guides in total: The New Rijksmuseum (104 pp), the Van Gogh Museum (51 pp), the Anne Frank House (17 pp) and the Hermitage Museum Amsterdam (16 pp). All of them written by Marko Kassenaar, who is an expert in the field and without using art historical jargon. Download before your visit and you will more fully understand and enjoy what you are about to see. Since it is a digital edition you don't have to carry around heavy books!
The New Rijksmuseum, the text and images of which are fully integrated in this current guide, has been a best selling book for many months in 2014. A lavishly illustrated publication containing the most important highlights of all centuries displayed in the New Rijkmuseum in Amsterdam. A perfect guide to preparing yourself to your visit and which makes sure that you'll recognize and fully enjoy the masterworks when visiting the Rijksmuseum in Amsterdam.
Written in an engaging style, the book describes masterpieces of the Dutch Golden Age such as The Night Watch and The Jewish Bride by Rembrandt Harmensz.. van Rijn, The Milkmaid and The Woman Reading a Letter by Johannes Vermeer, and the famous pictures by Jan Steen and Frans Hals, amongst many others. But the book is not only about Dutch 17th-century paintings. It also describes the highlights of the 18th, 19th and 20th century, the highlights of the applied arts like porcelain, furniture and silver, and -last but not least- the exquisite collection of Asian art, displayed at the specially-built Asian pavilion.


Yuyuan Garden in Shanghai - a travel guide and tour as with the best local guide
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England Plane Reader - Get Excited About Your Upcoming Trip to England: Stories about the People, Places, and Eats of England
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Things To Do in Sydney for Free - Updated October 2013
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Ten Must-See Sights: Paris
http://www.amazon.com/gp/product/B00BKN49Z8

All About Nepal (Country, People, Customs, Culture, Travel)
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Top Ten Sights: Florence
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Alaska Traveler: Dispatches from America's Last Frontier
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Art+Travel Europe: Goya and Madrid
http://www.amazon.com/gp/product/B00F0V70ZW

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Free Kindle books on Travel - London, Amsterdam and more
Added on : Wednesday June 18th 2014 06:00:15 AM
g: 0 Posted By: remick
Views: 106 Replies: 0 London Budget Getaway (Bravo Your City!)
http://www.amazon.com/gp/product/B00ED2CMLQ

London is expensive, but you can still enjoy it on a budget with these tips, especially if its your first visit!
London Budget Getaway is a perfect travel companion for a short stay in one of the worlds most iconic cities, offering plenty of low cost suggestions so that family, friends and loved ones can experience Londons most popular sights and cultural attractions without breaking the bank.
Tour art galleries, exhibitions, cinemas and the most visited museum in Britain. Encounter otherworldly presences in the haunted London Underground. Explore world famous markets, streets, squares, monuments and intriguing architecture. Sample some of the best beers, ales, ciders and stouts brewed in Britain. Find the best views of the London city skyline. Splurge a little and treat yourself to a West End show. Take your pick of fun things to do in London because this guide is packed full of advice to make sure your itinerary has plenty of scope.


Things to do in Amsterdam: Museums: Guide to the Rijksmuseum, Van Gogh Museum, Anne Frank House and Hermitage Museum
http://www.amazon.com/gp/product/B00ELANF3Y

If you go to Amsterdam (Holland) and want to pay a visit to its many interesting museums, then this is your guide. Things To Do in Amsterdam: Museums comprises four museum guides in total: The New Rijksmuseum (104 pp), the Van Gogh Museum (51 pp), the Anne Frank House (17 pp) and the Hermitage Museum Amsterdam (16 pp). All of them written by Marko Kassenaar, who is an expert in the field and without using art historical jargon. Download before your visit and you will more fully understand and enjoy what you are about to see. Since it is a digital edition you don't have to carry around heavy books!
The New Rijksmuseum, the text and images of which are fully integrated in this current guide, has been a best selling book for many months in 2014. A lavishly illustrated publication containing the most important highlights of all centuries displayed in the New Rijkmuseum in Amsterdam. A perfect guide to preparing yourself to your visit and which makes sure that you'll recognize and fully enjoy the masterworks when visiting the Rijksmuseum in Amsterdam.
Written in an engaging style, the book describes masterpieces of the Dutch Golden Age such as The Night Watch and The Jewish Bride by Rembrandt Harmensz.. van Rijn, The Milkmaid and The Woman Reading a Letter by Johannes Vermeer, and the famous pictures by Jan Steen and Frans Hals, amongst many others. But the book is not only about Dutch 17th-century paintings. It also describes the highlights of the 18th, 19th and 20th century, the highlights of the applied arts like porcelain, furniture and silver, and -last but not least- the exquisite collection of Asian art, displayed at the specially-built Asian pavilion.


Yuyuan Garden in Shanghai - a travel guide and tour as with the best local guide
http://www.amazon.com/gp/product/B0071LCPN6/

England Plane Reader - Get Excited About Your Upcoming Trip to England: Stories about the People, Places, and Eats of England
http://www.amazon.com/England-Plane-Reader-Excited-Upcoming-eboo...

Things To Do in Sydney for Free - Updated October 2013
http://www.amazon.com/gp/product/B00AO7LAB2/

Ten Must-See Sights: Paris
http://www.amazon.com/gp/product/B00BKN49Z8

All About Nepal (Country, People, Customs, Culture, Travel)
http://www.amazon.com/gp/product/B00CLFDHPC/

Top Ten Sights: Florence
http://www.amazon.com/gp/product/B00KJMUL3U

Alaska Traveler: Dispatches from America's Last Frontier
http://www.amazon.com/gp/product/B00AR63B62

Art+Travel Europe: Goya and Madrid
http://www.amazon.com/gp/product/B00F0V70ZW

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g: 0 Posted By: ctgolfer
Views: 691 Replies: 4 Your physical address must be pre-qualified for AIRAVE coverage. If you are outside the AIRAVE coverage zone, the device will not activate. Please check if AIRAVE coverage is available at your address here.
Sprint AIRAVE is a device that creates a CDMA signal for your mobile phone (like a miniature cell tower). AIRAVE provides enhanced and reliable mobile phone coverage in your house or office even if your existing wireless coverage is poor.
Sprint AIRAVE utilizes existing broadband data service to carry your mobile calls over the internet (similar to Voice Over Internet Protocol). And the best thing is that AIRAVE works with any Sprint CDMA handset!
Sprint AIRAVE requires two things: broadband data service and an available Ethernet port. If you do not currently have an available Ethernet port on your DSL/Cable modem, you will need to purchase a router in order to connect the AIRAVE device to your broadband data service.
With the AIRAVE Unlimited Voice Plan you can add to your existing Sprint voice plan for unlimited calling from your home.
Make or receive calls from home with any Sprint phone. When you leave home, your calls are automatically transferred to the Nationwide Sprint PCS Network.
System requirements: An always-on broadband Internet connection with a minimum of 800 kbps (both upstream and downstream) for voice services and 3 Mbps downstream and 1.8 Mbps upstream for data services is required for the AIRAVE to function properly.
Includes Airave 2.5, Ethernet cable, External GPS antenna cable, power cord and users guide
Brand: Sprint
Model: RECFEMT02
Condition: New
Warranty: 1 Year
Packaging: Retail

http://1sale.com/electronics/mobile-cell-phones/sprint-airave-25...
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g: 0 Posted By: tedhawkins
Views: 127 Replies: 0 Sierra Mountain Gear 9 in 1 Plier Tool $9.96 + $6.99 S/H /FS on $50+ Campmor

http://www.campmor.com/outdoor/gear/Product___37217

The Sierra Mountain Gear 9 In 1 Plier Tool is a handy, dandy all in one gizmo that you will be surprised that you did without for so long. It features 9 useful tools with an anodized finished handle that is a comfort to grip. Made from a high grade Stainless Steel the Plier Tool will easily do all those things you need. Tools included are Wire Cutter, Line Cutter, Can Opener, File, Flathead Screwdriver, Serrated Blade knife, Standard Blade knife, Awl and of course, pliers. There is a lock (latch) to keep the pliers closed when not in use.

9 In 1 Plier Tool is versatile & made from High Grade Stainless Steel
Pliers are spring loaded
Plier Lock when not in use
Tools Included Are - Wire Cutter, Line Cutter, Can Opener, File, Flathead Screwdriver, Serrated Blade knife, Standard Blade knife, Awl and pliers
Anodized Aluminum handle
Standard Blade is 2.5" long
Serrated Blade is 2.5" long
Dimensions - 5.75"x1.8"x.5"
Tools Deals

Campmor Coupons
g: 0 Posted By: ctgolfer
Views: 151 Replies: 0 Your physical address must be pre-qualified for AIRAVE coverage. If you are outside the AIRAVE coverage zone, the device will not activate. Please check if AIRAVE coverage is available at your address here.
Sprint AIRAVE is a device that creates a CDMA signal for your mobile phone (like a miniature cell tower). AIRAVE provides enhanced and reliable mobile phone coverage in your house or office even if your existing wireless coverage is poor.
Sprint AIRAVE utilizes existing broadband data service to carry your mobile calls over the internet (similar to Voice Over Internet Protocol). And the best thing is that AIRAVE works with any Sprint CDMA handset!
Sprint AIRAVE requires two things: broadband data service and an available Ethernet port. If you do not currently have an available Ethernet port on your DSL/Cable modem, you will need to purchase a router in order to connect the AIRAVE device to your broadband data service.
With the AIRAVE Unlimited Voice Plan you can add to your existing Sprint voice plan for unlimited calling from your home.
Make or receive calls from home with any Sprint phone. When you leave home, your calls are automatically transferred to the Nationwide Sprint PCS Network.
System requirements: An always-on broadband Internet connection with a minimum of 800 kbps (both upstream and downstream) for voice services and 3 Mbps downstream and 1.8 Mbps upstream for data services is required for the AIRAVE to function properly.
Includes Airave 2.5, Ethernet cable, External GPS antenna cable, power cord and users guide
Brand: Sprint
Model: RECFEMT02
Condition: New
Warranty: 1 Year
Packaging: Retail

http://1sale.com/electronics/mobile-cell-phones/sprint-airave-25...
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g: 0 Posted By: slovell
Views: 150 Replies: 5 Around 4-5 years ago, we were going to do a cash out refi with Oxford Lending. The day that we were supposed to attend the closing, an employee from Oxford called to tell us that our loan would not be going through. He said that underwriting had taken a second look & decided not to approve our appraisal after all because there hadn't been a comparable house sold in our area in the last 3 months (we live in a very rural area). We were shocked, but this guy had been inefficient from the start. We dropped the plan to refi. Fast forward to now & we were offered a rate reduction from Chase (our original mortgage co.) We decided to go ahead with the process due to it being no cost. We were shocked when their underwriting called & told us that we had a $1000 bill with the local title company that was scheduled to close the previous loan. They recommend that I call them. When I contacted them, they stated that it was due to such things as abstracting fees, attorney opinions etc. I was shocked & couldn't believe they hadn't contacted us earlier or why Oxford Lending had even had those things done if they weren't going to proceed with the loan. My question is, are we legally responsible for these fees? If not, is there anyway to make Oxford pay them?
New User Question Deals
g: 4 Posted By: Mr0ffic3r
Views: 275 Replies: 5 Expecting lots of red, and its OK. My name is Mr0ffic3r and I was a deadbeat, I admit it. College and the whole being invisible in your 20s got the best of me. For the record, I am no longer a dead-beat. You guys (FWF) have put me on the right side of the road. As you will read below, I tried to make this right. But sometimes 'right' is not the correct thing to do for my family.

2000-2004 I took out 70kish in college loans. $55k of it Private Alternative Loans. By Private I mean from a major Bank and the note was not guaranteed by a non-profit group. Essentially, just a regular loan, but an educational loan on credit reports. Also, my mother was a co-signer.... don't ever co-sign, anything!

I defaulted in 2005 only on the Private Loans. My first job $15/hr - Between rent, food, drinking, car, there was nothing left for School Loans. My Federal Loans (Perkins/Stafford/etc) I paid off quickly since I knew Federal Loans are no joke. For the Privates, they (The Original Creditor) called a few times, I never picked up to talk. They sent a few demand letters, I never took any action and apparently neither did they.. Calls/Letters stopped in mid-2006.

My credit was trashed (my moms too) - low 500s. She made as much as I did at the time, single mom supporting my younger brother, so no way she was able to pay the loans.

Fast-forward to 2009. Calls/letters start coming in again. This time not from the Original Creditor (OC) but from a Collection Agency (CA) This time a little older and wiser (Thanks FWF) -I take action. First thing I did, sent a Certified/Return Receipt Letter telling them to stop calling and validate the debt. They listened, not one more call, and not another letter. They never validated. Why couldnt they send a copy of the promissory I signed that I had in my hand?

Fast Forward to 2012. Im making more money, I actually put some away if they were to come after me. Credit Reports say Loan is over $70k now, charged off, and still owned by the Original Creditor. To make things right, I call the OC and speak with their collections department. Right away are willing to settle the debt for $35k-ish. Settle?A Student Loan? Why YES please! I ask for the 'settlement agreement' in writing so I know they won't come after the rest (or sell it), and that the lates/charge-offs/etc are removed my credit report if possible. Mind you, this is from a top 5 Bank.

All they had to do was send me that letter, instead, I was informed that We are not secretaries and dont send letters. I was flabbergasted. The agent said my credit report would be marked as 'PAID' for this loan. I mention to him that in a few months, this loan will fall off my credit report, and if they are unwilling to remove the negative the marks, just leave the report as is. DONT TOUCH IT as I dont want it re-aged. NOPE, they cant do that either. They have to report it as 'paid.' I explained to the agent, 'why would I pay if this will haunt me for another 7.5 years.' If I dont pay, it will fall off CR in a few months. There was silence, he put me on hold to talk to his management, came back and said, You are right, nothing we can do. I told them I will consider their offer and we ended the call.

Havent heard a peep since (been almost 2 years).

All the loans came off my (and my moms) credit report. Credit Scores went up 200+ points to the high 700s . I am in a state with a 5 year Promissory Note - Statute of Limitation (SOL). My main concern was that the promissory note states that Ohio laws will govern the loan, and Ohio had a 15 year SOL on a promissory note. However, that state recently passed (and implemented) legislation to decrease that to 8 years, and it applies retroactively.

I consulted with 2 NACA attorneys, and both said my states SOL would apply anyways if they were to pursue. My state is where the loan was disbursed, where I have always lived, and where the promissory note was signed. But under both states now, I am out of SOL. All I read online is doom/gloom regarding Student Loan Default, and on how it will haunt you forever, garnish your wages/SS, tax refunds, etc. This is still on the back of my mind, but I'm starting to think it's not very likely they can legally collect on this loan now. What does the FWF collective think of this?


Now, why did the OC not pursue this hefty defaulted loan, especially since there were 2 people to sue/collect from? Remember, this was an 'alternative plus' loan not backed by any government entity. It does not show up on any government student loan database. I highly doubt this was a $70k 'oversight'. I pretty much walked to up to their door, with a check for $35k. All I wanted was a receipt, they couldn't give me one. What gives?


To the Obligatory 'Pay Your Bills Deadbeat' posts I see in my future... is 'I Tried/Wanted To' an acceptable response?
Personal Finance Deals
GoDaddy go32off5 gets 32% off *entire order* of new products
Added on : Tuesday June 17th 2014 04:00:07 AM
g: 0 Posted By: johnsmithb
Views: 93 Replies: 1 I posted a GoDaddy code two months ago and people seemed to like it. I found another one from the same vendor:go32off5. That gets 32% off an entire order of new products (renewals don't count, apparently). So if you set up a new domain with website hosting, expanded email hosting, private reg, etc., it saves 32% off the entire order. For a single domain reg, there are better codes, but if you're getting several things, this works great.

NOTE TO ADMINS: I probably posted this wrong (again) so by all means correct it like you did the last one. I looked in the FAQs to see what I'm doing wrong, but I'm still not getting the gist of this.
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g: 0 Posted By: remick
Views: 45 Replies: 0 http://www.amazon.com/gp/product/B00L18UY1A

Feng Shui is the ancient Chinese art of designing your surroundings to influence your health, success and happiness. This is just as important in the garden as it is in the home or office. If you want your garden to provide what you want whether it is space for mediation or a place to entertain friends Feng Shui will help achieve it.

Garden Feng Shui examines the following aspects of this fascinating subject:
-The principles of Feng Shui
- Feng Shui remedies in the garden
-The shape and layout of the garden
-Functional and decorative garden buildings
-Water features
-Seats and ornaments
-Plants to fit in with the Feng Shui of your garden

Create harmony and happiness in your garden with this simple, clear guide.

Feng shui is the ancient Chinese art of designing your surroundings to influence your health, success and happiness. It is a way of being in control of your own life; taking action to change the things you are not satisfied with, and capitalizing on the aspects of your life which you like.

Today, many people have learnt to practice Feng Shui in their homes by rearranging their living space and furniture, redecorating, changing the use of certain rooms and so on. But Feng Shui is every bit as important in the garden as it is indoors. It is no good having a perfect house if your garden is an overgrown mess. If you want every aspect of your life to benefit from good Feng Shui, you must use Feng Shui in every part of your property.

Improve Your Life and Your Garden

Not only will good Feng Shui in the garden bring you benefits in your life in general, it will also have the more specific - but also important - advantage of improving your garden as a place to spend your time. The principles of good Feng Shui are a good set of principles for garden design, too. A good Feng Shui garden is also an attractive and pleasant garden for whatever purpose you want: for meditating, for entertaining friends, for your children to play safely, or simply for relaxing.

The principle behind Feng Shui is that positive cosmic energy, or ch'i, needs to flow smoothly and freely through its surroundings in order to create harmony. This book explains how to improve the flow of ch'i in your own garden. We will look at all the features which go to make up a garden, and consider how each can be used or adapted to maximize good Feng Shui. These features will include:

- the shape of the garden
- entrances and boundaries
- light and shade
- flower beds, lawns, paths and patios
- garden buildings
- water features
- seats and arbours
- statues and ornaments
- plants in the garden.


You will see from this list that although plants are, of course, important in the garden, there are all sorts of other features which matter too. It is perfectly possible to have a garden with virtually no plants in it - especially if you have only a small space - and this does not mean that it cannot have good Feng Shui. The flow of ch'i is certainly affected by plants, but it is just as strongly influenced by paths or buildings, open spaces or brightly colored ornaments.
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Rammed my rental truck into a bridge, need play tips for the game
Added on : Monday June 16th 2014 02:00:08 PM
g: 0 Posted By: mail6234
Views: 50 Replies: 2 Sooooo....

Walked into a truck rental location earlier this month and said "give me your finest dock height rental truck." They said, no problem sir. Would you like the insurance? Why certainly darling. "Full insurance?" But of course! Out I went on my merry way and ran the truck into a bridge necessitating a new roof, left rail and some uprights in the cab portion. I knew my insurance didn't cover it, and I only use a standard Visa so neither would cover that. But alas, I had FULL INSURANCE.

WRONG, SO WRONG. The number of exclusions afterwords was mind boggling. Not covered "theft, tire damage, rim damage, overhead damage, damage by way of negligence etc etc" In fact I'm struggling to come up with many possible covered events at all. Anyways I had a conversation (which I recorded) when returning because I figured hey here comes the back peddling and the store manager straight up admitted they used the terms "full insurance" to generate insurance sales and basically said "we'll work with you." Now I'm not new to this act so I know that means jack squat. Further more going through things I realized I had signed up for "roadside assistance" when I never even asked for such a thing. The whole thing was total sleeeeze.

I got a call today and they're starting out at $7000. They didn't shop the rate around so I asked for the cab VIN number and what the quote included as far as parts so that I can shop it around. I get the feeling that number may drop to around $5000. But still. I'm awful salty about this. Sure it comes down to "read the contract" but when you ask to be fully insured and then someone basically just tells you that's a load of dog shit and then acts like its no big deal I'm not exactly pleased by this conduct.

So I contact a lawyer to see where I stood on something like this and it was more or less "well... not good." Contractual law is much stronger than consumer protection laws and it would be an uphill battle. The lawyer offered to take it at a flat fee $2500. Attorney's fees would be recoverable but only if I was victorious, and I highly doubt I'd be a clear victor.

I'm wondering if anyone has even been through this so I can get a playbook for this. I've seen a couple posts about this and someone else did mention they started at $7000 and settled for $2000. Given the cost of a lawyer is more than that, it seems my best play if I can get them to settle. Otherwise wondering if anyone that has an actual legal background has advice.

My advice BTW is to USE PENSKE from now on. I used a Penske truck afterwords and confirmed with them that they DO cover overhead damage and the truck I had was FANTASTIC. It got better gas mileage I think than the truck I park in my garage. Any help is appreciated.

Also obligatory I AM AN IDIOT
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g: 1 Posted By: ctgolfer
Views: 821 Replies: 2 shipping adds $5

23" IPS Widescreen WLED backlit anti-glare 1920 x 1080 16:9 aspect ratio display
Get reliable performance from the AMD E2-3800 quad-core accelerated processor
4GB DDR3 memory For multitasking power, expandable to 16GB
500GB SATA hard drive has plenty of space to store your digital albums, music library and rich media files
Enhanced viewing with the integrated AMD Radeon HD 8280 graphics
Two USB 3.0 ports and 4 USB 2.0 ports for plenty of connectivity for your USB devices
Slim-tray SuperMulti DVDRW drive watch movies on your computer; read and write CDs and DVDs in multiple formats
The side-panel multimedia memory card reader makes it easy to transfer photos, music, and other files to and from your digital camera and other peripheral devices
Connect wirelessly with the Atheros AR5B125 802.11b/g/n single antenna PCI Express half-length mini card
Connect to a broadband modem or router with wired Realtek RTL8151GH-CG 10/100/1000-Base-T Ethernet
Realtek ALC3228-CG Audio for rich and dynamic sound
Windows 8 makes the things you do every day easier

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Timbuk2 Freestyle Netbook Messenger Bag $49.95 FS Usoutdoor
Added on : Monday June 16th 2014 04:00:02 AM
g: 0 Posted By: tedhawkins
Views: 39 Replies: 0 Timbuk2 Freestyle Netbook Messenger Bag $49.95 FS Usoutdoor

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

Description: Timbuk2 Freestyle Netbook Messenger Bag
While it may be small, the Timbuk2 Freestyle Messenger is destined for big things. Designed to carry your tablet, netbook or reader, this bag features a soft, felt lined sleeve for your device. A bulletproof nylon exterior and waterproof liner are tough when it counts, and even when it doesnt. An adjustable cam buckle and front organizer come standard for ease of use. Built to keep you connected and on the go, the Timbuk2 Freestyle Messenger is one feisty bag, ready to take on the world.
Features of the Timbuk2 Freestyle Netbook Messenger Bag

Material: Durable ballistic nylon exterior
Laptop Sleeve: Built to fit 10
Custom Fit Options: Adjustable cam buckle
Dimensions: 10.40x8.90x5.10 in / 26.42x22.61x12.95 cm
Liner: Waterproof TPU liner


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Selling my car - not much info out there?
Added on : Thursday June 12th 2014 01:00:08 PM
g: 0 Posted By: bytem3
Views: 21 Replies: 0 As I mentioned in my recent AOR thread, I will be moving out of country soon. I was strongly considering exporting my vehicle (SUV), but the cost of that would be not insignificant ($1500+ just for transportation + another couple hundred for the import process + significant % of purchase price in the form of sales tax). To complicate matters further, there is a recall the manufacturer issued 6-7 months ago without any remedy (according to the dealership, they have not yet started manufacturing the replacement part and there is no ETA for that). While I would be able to drive in the other country with my US plates and license for some time, I would not be able to formally import it until the recall issue was remedied (having all recalls remedied is one requirement of the destination country). So, I am now thinking that I would be better served by selling my vehicle stateside, before I leave in the next several weeks.

While there are many posts about buying cars on FW, I could not find any threads addressing selling and getting the most out of selling you car. This was my first car and will be my first car sale. All I know so far is to make sure the payment is legitimate (i.e. do the transaction at a bank location). I have also been told that Craigslist is probably the best venue for selling.

KBB value is just over$6,300. I realize that no one pays KBB value for a car, but I also have two complete sets of virtually new tires (IIRC, I paid around $1500 total for both sets) that I will be including in the sale. So, I'm considering a $6500 sale price.

What advice do you veterans have? (pricing, venue to sell, what to expect, how to evaluate buyers, technical issues to be careful of with potential buyers, things to watch out for, etc)
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g: 0 Posted By: ctgolfer
Views: 243 Replies: 0 Description
Smart TVThe Samsung Smart TV finds the movies and TV shows you like - and more. Speak into the mic on the Smart Touch Remote to get TV recommendations. Use gestures to swipe and navigate within the 5 Smart Hub content panels. Easily discover movies, shows, and social posts with less searching and more watching.S-RecommendationDiscover what you want to watch with customized content options based on your preferences. Or visit the full S-Recommendation hub to find new things to watch.Web BrowserAll the benefits of full web browsing, right on your TV. From social sites like Facebook and Twitter to news, weather, entertainment, blogs and more. Discover even more content possibilities with your Smart TV.

Product Identifiers
Brand Samsung
Family Line 7100 Series
Model UN55F7100
MPN UN55F7100AFXZA
UPC 887276024226

Key Features
TV Type Flat-Panel
Display Technology LED LCD
Screen Size 55"
Definition HDTV
Aspect Ratio 16:9
Resolution 1080p
Display Resolution 1920 x 1080 pixels
3D Technology Full 3D
Smart TV Features Downloadable Apps, Internet Browsing, Smart Hub, Signature Services, Smart Content, ConnectShare, AllShare, Built-in Wi Fi

Connectivity
Rear Input Connectors 1 x RS-232C, Component x 1, Composite x 1, HDMI x 4, RF x 1, RJ-45 x 1, USB Port

Audio Features
Number Of Speakers 2
Audio Type Surround

Miscellaneous
Exterior Color Black
Additional Features Built-in WiFi, Eco Sensor, Ethernet Port, Internet Apps and Widgets, S-Recommendation, Virtual Surrond


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g: 0 Posted By: ctgolfer
Views: 83 Replies: 0 Description
Smart TVThe Samsung Smart TV finds the movies and TV shows you like - and more. Speak into the mic on the Smart Touch Remote to get TV recommendations. Use gestures to swipe and navigate within the 5 Smart Hub content panels. Easily discover movies, shows, and social posts with less searching and more watching.S-RecommendationDiscover what you want to watch with customized content options based on your preferences. Or visit the full S-Recommendation hub to find new things to watch.Web BrowserAll the benefits of full web browsing, right on your TV. From social sites like Facebook and Twitter to news, weather, entertainment, blogs and more. Discover even more content possibilities with your Smart TV.

Product Identifiers
BrandSamsung
Family Line7100 Series
ModelUN55F7100
MPNUN55F7100AFXZA
UPC887276024226

Key Features
TV TypeFlat-Panel
Display TechnologyLED LCD
Screen Size55"
DefinitionHDTV
Aspect Ratio16:9
Resolution1080p
Display Resolution1920 x 1080 pixels
3D TechnologyFull 3D
Smart TV FeaturesDownloadable Apps, Internet Browsing, Smart Hub, Signature Services, Smart Content, ConnectShare, AllShare, Built-in Wi Fi

Connectivity
Rear Input Connectors1 x RS-232C, Component x 1, Composite x 1, HDMI x 4, RF x 1, RJ-45 x 1, USB Port

Audio Features
Number Of Speakers2
Audio TypeSurround

Miscellaneous
Exterior ColorBlack
Additional FeaturesBuilt-in WiFi, Eco Sensor, Ethernet Port, Internet Apps and Widgets, S-Recommendation, Virtual Surrond


www.ebay.com/itm/Samsung-UN55F7100-55-inch-1080p-240hz-3D-Smart-...
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g: 0 Posted By: j129
Views: 105 Replies: 0 A little backstory.
I am a foreign Medical graduate with a green card (will get my citizenship later this year).
I've decided that I don't want to pursue medicine as a career. I want to try something Managerial and based on research, have decided to do a Masters in HealthCare Administration.
All that I've read, seems to say that this is a growing career path with a lot of potential.

My financial situation.
Used to work as a pharmacy tech while I was preparing for the USMLE,but after a lot of procrastination and doubtI have finally decided that I didn't want to take the USMLE.
I don't want to be a doctor.
I don't have much saved (been in the US of A for 3 years), have about $4k in my bank account.
Live with my parents but I don't ask them for any money. They put a roof over my head and food on the table for no cost, and that is more than enough for me.

Plans for the future.
After spending a lot of time trying to figure out what I want to do with my life (am also really interested in stuff like Advertising, Media, things of that nature, but have no idea how to get into that, since I don't have any background in media whatsoever)
and decided on the MHA program.
I live in CT and there are two universities here that offer the MHA program.
The one that I like is the University of New Haven.

The cost is $825 per credit (42 credits) = $34,650. I have spoken to the Financial Aid officer at the university and he told me that I can easily get a Federal Direct Unsubsidized Student Loan (and it's not need based).
FA can pay a maximum of $20,500 per year, so for the first year (27 credits = $22,275) I'd be short a few thousand + cost of books. So there's another loan called the Graduate Plus Loan that I can get, which will pay for the rest.
Interest Rate for the former loan is 6.21% and for the latter is 7.21%.

My questions.

1. Is financial aid taxable?

2. The Median salary for someone with a Masters in Healthcare administration is about $70-80,000. A faculty member I spoke to, said that I should easily be able to start off with a $55,000 salary at least. And it'll go upwards from there.
Does taking a loan of $40,000 (assuming books etc) make sense?

3. Hoping to get an assistantship that'll cut the tuition cost by 50%. If it does get cut, would it be possible for me to hold on to the surplus FA I'm getting? Because....

4.. I'm single right now...But the plan is to get married next year. Yes...I won't have a permanent job, and I know all the problems I'll face getting married before I'm able to stand on my own feet, but it's complicated and it needs to happen by next year, or it'll never happen.
My fiance will not move here until she received her green card, and that's not going to happen till we get married, so it's going to be a while before she comes here, and hopefully by then, I'll be really close to completing. (Begins in Sept 2014. Ends in March 2016).
Iwill need about $15k..if I save that from FA, can i just use that? The reasoning behind that being, that I would not have to pay off the loan till 6 months after I graduate giving me enough time to find a job and start paying it off.
As opposed to taking a personal loan (also something I know nothing about) but which I think, I'd have to pay back sooner and the interest rate would be higher?

4. Do local universities carry more weight in their home towns? I asked local folk. Friends of my mother from church, and they all seem to have a high opinion of the University of New Haven.
It is ranked #101 here.I couldn't find a ranking for it's MHA program but I've heard that a lot of universities pay for these rankings so I don't know how much attention to pay to it.
I guess my main worry is, is it worth it? Am I getting into something that's not good for me?

5. A friend I know from medical university who later moved here to do her Masters in Public Health (she was always passionate about it), says that in her opinion $35k is a lot (no subsidized in-state costs because UNH is private) and if I'm spending that much, I'd rather go to a better university.
Problem with that reasoning is, that I'd have to move to a different state. Have to take a bigger loan to pay for housing and food and end up in even more debt. It's easy for her to say because her tuition was paid for by her parents.
But what do you guys think?

6. What's a better way to get jobs? Networking or interning? I have no problem doing tons of internships but I would rather try and find some part time work that'll put some money in my pocket.

I would highly appreciate any help that I can get.
I never went to high school or undergraduate college in the U.S so I really don't know how all this functions.
Would appreciate any suggestions, ideas that you'd provide.

Thank you.
Personal Finance Deals
Refinance for mom
Added on : Wednesday June 11th 2014 03:00:13 PM
g: 0 Posted By: corpse101
Views: 143 Replies: 1 Been around for a while here on FW, but mostly stuck on the deal side of things and never ventured to the finance side of things, but I figured this may be a good place to get a few ideas.

My situation is this, my mom is paying her current mortgage and thinking about doing a refi, but she is as clueless as I am about where to get best rates (read: avoid getting screwed). She currently owes about 106k on the house with a current fixed rate of 5.5%. She works for the county and has been hit with quite the bit of furloughs so she is looking for a lower payment, though I am trying to save her money overall by combining a lower interest rate with the same or slightly lower payment.

Are there good places to seek the refi over others? I was wondering is there a good place(s) and I have been reading and googling as I am very green when it comes to mortgages/refis so any info will be helpful to get me started.

Thanks all
g: 0 Posted By: BenH
Views: 190 Replies: 2 Situation:
I have an interesting situation where another unit owner may have family members interested in moving to the area. Because of various (some obvious) reasons, they would prefer to live as close as possible, ideally in our building. At this point, there has only been a query from neighbor of "are you still looking to sell soon?" with the explanation above. At this point, I have not talked to her family members or have any idea of their real interest.

Background:
I'm wanting to sell my city Condo to move out to a SFH in the burbs. We've been wanting to do it for a year or two now, but haven't really gotten around to looking in earnest. We can probably be in here for another year before things start getting cramped. Realistically, we could probably stay 2-3 more years here if required - but after that I think we need to start looking at an area with schools above the 30% mark.

The unit is one of 8 in the building and the last unit sold (across the hall, identical to mine, though maybe not as in good condition) for about 70% of the value I paid for my unit in 2006. Part of the reason it sold so cheap was that it was a foreclosure. Currently, all the units in the building are sold and about half are owner occupied - the rest are rented. One other unit sold at foreclosure about a year or two previously. Other units went up for sale, but the owners decided to keep them as rentals since likely they didn't get their asking price within the short time frame they were trying to sell (all were moving out of state).
Additionally, rent in this area is pretty high and I can probably rent my unit for my costs, but I don't believe I would clear more than say $3-4k a year. I am not really interested in the hassle of being a land lord or the possible extra expenses that may wipe out my yearly take as well as the complications of two mortgages on properties this high.

Challenges:
All being said, it would be extremely convenient for us to have a willing buyer with an extra incentive to have *our* place (or at least one in the building). Likely they would have an elastic schedule, as I believe this will be a second home, which may make things easier for us.
Of course, I'm not willing to just give them an awesome price just because I'm being approached in this manner. But, it does give me some incentive.

I know I'm not going to recoup the total investment in the condo. But, the first thing I am trying to figure out is what is the real value of the property? I obviously think it is worth more than what the foreclosure sold for.
Zillow's Zestimate of my place is about 10% higher than the foreclosure sold for, however it alsoshows the value of the recently sold foreclosed unit for 15% less than what it actually foreclosed for.
I've seen some other indicators that the value maybe 20-25% higher than what the foreclosure sold for, so I have no idea what to trust.

I'm also under the impression that I could take an offer slightly below market value because no realtors are involved (at least I don't think they will need to be). Is that a smart way to think? I realize I can always sell at any time without a realtor, but in this case all the work and challenges of that are taken care of.

In short, I'm interested to make an attractive price and sell since it gives me the incentive to move right now without a lot of the hassle. But, I don't want to take significantly less than market value (whatever that means).

A further possible complication is that there are 4 units in the building which are currently being rented. I wouldn't be surprised if they attempt to make contact with the other units owner's to gauge their interest in selling instead of continuing to rent. My only advantage here is that the other units have leases for renters right now but if these people are flexible they might not mind waiting say 6 months to get another unit at a substantial savings. OTOH, some of these units have been rented for 2-3 years and I have the feeling those owners are looking to hold on to the units as long as possible to try and recoup their initial costs - or - some of them were purchased at a lower price than mine (with a better rate) that makes them more attractive for rental opportunities.

Any advice on how to approach this is appreciated. It may be a few weeks before I know how serious the potential buyers are - but I'd like to be prepared when that time comes.
Personal Finance Deals
g: 0 Posted By: remick
Views: 106 Replies: 0 http://www.amazon.com/gp/product/B00AKBIJ16
4.7 out of 5 stars (21 customer reviews)

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

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

Key Highlights of Exploring HDR:

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



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

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


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

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

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



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

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

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

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

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

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

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

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

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

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

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

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

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



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

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

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

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


Books & Magazines Deals
Traavel Plans
Added on : Monday June 09th 2014 05:00:13 AM
g: 0 Posted By: scorpio0414
Views: 68 Replies: 0 Hi,
We are planning to travel to California and Nevada this August 22nd and coming back on 3rd. We are planning to travel from Philadelphia to Las Vegas and then drive to San Francisco or Oakland. Our initial plan was to fly from Philadelphia to Oakland and then drive to LasVegas and then back to Philadelphia. But the car rental in San Francisco or Oakland is very costly. So , we decided to fly to Vegas instead and then drive to San Francisco as car rentals are cheap in Vegas. We are a family of four two adults and two kids ages 11 and 5 . We would really like to use our time to the maximum and see places and spend time together as a family cause these are memories. We really appreciate any suggestions like good places to stay and things for kids to see about how to make this a fun and budget friendly trip. Thank you.
Discussion Deals
Free Kindle Book- How to Clean and Service an Oil Burner
Added on : Sunday June 08th 2014 04:00:08 AM
g: 0 Posted By: remick
Views: 223 Replies: 0 http://www.amazon.com/How-Clean-Service-Oil-Burner-ebook/dp/B009...

How to Clean and Service an Oil Burner For Under Thirty Bucks, is an instructional guide for the handy homeowner. Many homes today burn heating oil to provide space heating as well as domestic hot water.

An expensive task to say the least, is calling"The Guy" to come on out and perform the necessary annual cleaning that's required, to keep an oil burner running at peak efficiency.

The cost of oil today, mandates that we get all we can from every gallon. Every individual who burns heating oil, can save a substantial amount of money by cleaning the system at least once per year at the start of the heating season.

Servicing an oil burner is a fairly simple task. Repairing and adjusting one is another thing. This manual assumes the burner is already adjusted and burning properly.

It takes a formal education in combustion burners, as well as training with the equipment that measures things like Co2 in the exhaust fumes. Gauges are also very expensive.

This manual is designed solely to help you perform an annual cleaning on your oil burner, and place it back into operation.

The savings you incur doing this job yourself, as apposed to calling "The Guy"?

Anywhere from $100.00 to $250.00 per hour, with an average call taking one to three hours.

Walk through the process with the author, who's spent the past thirty five years performing this job.

In all home improvement tasks a substantial amount of money can be saved if you have a little insight. This e-book will give you the knowledge you need to tackle this annual chore.

Thirty dollars as opposed to the, one to three hundred dollars most service companies charge. What a way to make a living. It's a dirty job but someone has to do it. Why not keep the money in your pocket?
Totally Free Deals
Free Kindle Book- How to Clean and Service an Oil Burne
Added on : Sunday June 08th 2014 03:00:10 AM
g: 0 Posted By: remick
Views: 133 Replies: 0 http://www.amazon.com/How-Clean-Service-Oil-Burner-ebook/dp/B009...

How to Clean and Service an Oil Burner For Under Thirty Bucks, is an instructional guide for the handy homeowner. Many homes today burn heating oil to provide space heating as well as domestic hot water.

An expensive task to say the least, is calling"The Guy" to come on out and perform the necessary annual cleaning that's required, to keep an oil burner running at peak efficiency.

The cost of oil today, mandates that we get all we can from every gallon. Every individual who burns heating oil, can save a substantial amount of money by cleaning the system at least once per year at the start of the heating season.

Servicing an oil burner is a fairly simple task. Repairing and adjusting one is another thing. This manual assumes the burner is already adjusted and burning properly.

It takes a formal education in combustion burners, as well as training with the equipment that measures things like Co2 in the exhaust fumes. Gauges are also very expensive.

This manual is designed solely to help you perform an annual cleaning on your oil burner, and place it back into operation.

The savings you incur doing this job yourself, as apposed to calling "The Guy"?

Anywhere from $100.00 to $250.00 per hour, with an average call taking one to three hours.

Walk through the process with the author, who's spent the past thirty five years performing this job.

In all home improvement tasks a substantial amount of money can be saved if you have a little insight. This e-book will give you the knowledge you need to tackle this annual chore.

Thirty dollars as opposed to the, one to three hundred dollars most service companies charge. What a way to make a living. It's a dirty job but someone has to do it. Why not keep the money in your pocket?
Totally Free Deals
g: 1 Posted By: SieSilverStars
Views: 1470 Replies: 0 Bath & Body Works is offering their Semi-Annual Sale with up to 75% off items, plus get an extra 20% off items.

Linky

Use coupon code "BWW20JUNE" during checkout for 20% off. If that doesn't work try coupon code "S142780".

Get $1.00 shipping on orders of $25.00 or more when you use coupon code "LUVSATURDAY" during checkout.

Things their offering:

Select Signature Collection $3.00+ -----(This is my favorite. They have a lot of good smells for lotions, body wash, and fragrance. There are $11.00 ea. in store.)
True Blue Spa Items 50% Off
Aromatherapy Body Wash $5.00
Hand Soaps $3.00
Wallflower Fragrance Refills $3.00
50% Off 3-Wick Candles



If you do get the signature collection items that are $3.00 each, and enter the 20% off coupon code, total will come out to be $2.40 an item.


Home & Garden Deals

Bath and Body Works Coupons
The Mini M.A.C. Color Block Leather Clutch by Rebecca Minkoff just goes to show you that big things come in small packages. Features removable adjustable chain and studded leather strap, large gold tone clip and gold tone accents with leather ties. Signature dust bag included.
Puma Osu NM Men's Running Shoes $33.60 A/C w/FS @ Puma
Added on : Saturday June 07th 2014 06:00:02 AM
g: 0 Posted By: ctgolfer
Views: 106 Replies: 0 use promo code: PUMAFRIENDS

Synthetic suede and mesh upper for keeping things light
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Puma Coupons
g: 2 Posted By: remick
Views: 294 Replies: 0 http://www.amazon.com/gp/product/B008SANXFI
4.5 out of 5 stars (35 customer reviews)

When hard times strike, we look forward with longing to the day when we will "get over" the event and have closure. This is a difficult--often impossible--road to travel. There are some things in life that we must learn to live with because they will never truly go away for good. Despite that truth, there is life--rewarding and abundant life--after heartache and pain.

John F. Westfall leads readers beyond their hurts and into a life of confidence, freedom, and secure joy. Sharing stories with wisdom, humor, and vulnerability, he shows how to move forward beyond fear, regret, guilt, anger, and bitterness into a life worth living.



SOUL CALL: When was the last time you listened to your SELF?
http://www.amazon.com/gp/product/B00JQBLZXK

Happy Tips: Try a Little Happy Tip...Or 100
http://www.amazon.com/Happy-Tips-Try-Little-Tip-ebook/dp/B009BFC...

Small Things In Life That Can Make You Happy
http://www.amazon.com/gp/product/B00AZMTZAY/

Awakening to Inner Creativity: Following Your Inner Guide
http://www.amazon.com/gp/product/B00KEOKOJO/

THE HUMAN VIBRATION
http://www.amazon.com/gp/product/B00A7GBNOO

Breakthrough - Live an Inspired Life, Overcome your Obstacles and Accomplish your Dreams
http://www.amazon.com/Breakthrough-Inspired-Obstacles-Accomplish...

The Positive Thinking Secret
http://www.amazon.com/Positive-Thinking-Secret-Aaron-Kennard-ebo...

Help Your Preschooler Build a Better Brain: Early Learning Activities for 3-6 Year Old Children
http://www.amazon.com/gp/product/B00H69VZ0C
Books Deals

Amazon Coupons
g: 0 Posted By: remick
Views: 146 Replies: 0 http://www.amazon.com/gp/product/B00B85M324/
4.8 out of 5 stars (34 customer reviews)

Many women find it easy to pray for the concerns and well-being of others. But when it comes to praying for themselves, they may wonder, Should I pray for my own needs? Are any prayers too big or too small? Are my prayers effective? Are they selfish? Does praying really make a difference?

Praying God's Word for Your Life gives women the direction and Scripture they need to bring purpose and power to their prayers. The simple strategies Kathi Lipp shares will create in women the habit of praying with renewed boldness, consistency, and expectation. And Kathi's warm, approachable style will make praying Scripture accessible to new believers and lifelong Christians alike.



Five Things Every Christian Needs to Grow, Revised & Expanded
http://www.amazon.com/Things-Every-Christian-Revised-Expanded-eb...

Prayer (Strength for the Soul)
http://www.amazon.com/Prayer-Strength-Soul-RBC-Ministries-ebook/...

The Rare Jewel of Christian Contentment
http://www.amazon.com/The-Rare-Jewel-Christian-Contentment-ebook...

God Revealed: Revisit Your Past to Enrich Your Future (Morgan James Faith)
http://www.amazon.com/God-Revealed-Revisit-Enrich-Future-ebook/d...

The Nature of God: 50 Christian Devotions about God's Love and Acceptance
http://www.amazon.com/The-Nature-God-Christian-Acceptance-ebook/...

At Table with the Lord - Foods of the First Century
http://www.amazon.com/At-Table-Lord-Foods-Century-ebook/dp/B004C...

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Amazon Coupons
g: 0 Posted By: SieSilverStars
Views: 0 Replies: 0 Bath & Body Works is offering their Semi-Annual Sale with up to 75% off items, plus get an extra 20% off items.

Linky

Use coupon code "S142745" during checkout for 20% off.

Flat-rate shipping is $5.99.

Things their offering:

Select Signature Collection $3.00+ -----(This is my favorite. They have a lot of good smells for lotions, body wash, and fragrance. There are $11.00 ea. in store.)
True Blue Spa Items 50% Off
Aromatherapy Body Wash $5.00
Hand Soaps $3.00
Wallflower Fragrance Refills $3.00
50% Off 3-Wick Candles



If you do get the signature collection items that are $3.00 each, and enter the 20% off coupon code, total will come out to be $2.40 an item.

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

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

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

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

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

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

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

About the Authors:

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

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

Eric Ryant is a beauty industry entrepreneur with over 30 years of experience in space planning and design for salons and barbershops. No stranger to the industry, Eric spent many years developing new designs and space plans, getting involved in every facet of the industry.
Totally Free Deals
g: 3 Posted By: remick
Views: 203 Replies: 0 182 Free Things To Do In New York City: The Best Free Museums, Sightseeing Attractions, Events, Music, Galleries, Outdoor Activities, Theatre, Family Fun, ... & Tours In NYC
http://www.amazon.com/182-Free-Things-York-City-ebook/dp/B00JG5I...

WHATS NEW IN 2014

Im really excited for this, the third edition of this book. Every year it just gets better, and for 2014, Ive expanded the descriptions, added more great photos, and increased the number of entries, including over 70 places to get free food and drink.
This really is the best available guide on whats free or how to get it for free -- in the best City in the world.
When I first moved to New York, I was so broke I couldnt pay attention. I had no choice but to seek out all thats great and free in the big city. It was all right there in front of me, and I wasnt going to let it pass me by just because I couldnt pay for it!
I found that there are tons and tons and TONS of great things to do in New York that wont cost you a dime. With this book, you have access to the best of whats free, compiled into one reference.
You could be in the know, doing 100% FREE, yet fun and rewarding, activities such as:

- Free Kayak Rentals on the Hudson River
- Free performances including jazz, rock shows, plays, spoken word, beat boxing, dance comedy, word beat, blues, experimental artists, the list goes on!
- List of the best free museums and art galleries from the Village to Harlem
- Free T.V. show tapings
- Free movies, festivals, and more entertainment
- Free food and drinks
- Free kids activities

For example, many know about Shakespeare In The Park, but have you ever heard about the hilarious (and free) Upright Citizens Brigade Theatre? Its a free comedy show with many Saturday Night Live alum.

WHY THIS E-GUIDEBOOK IS DIFFERENT
This book is not about discount travel. Its about FREE travel.

- It only includes free activities, events, locations & attractions. It tells you how to get in to many paid attractions and events for free.
- Its exclusively formatted for the Kindle and Kindle App
- Its interactive, so you can easily access directions from your current location, reviews from other travelers, and more information entries in the book.

WHAT YOULL FIND INSIDE
Each entry has a well-researched description, contact information (email, phone, website), and links to contextual information. Color photos too!
It works great with the Kindle App for your smartphone, so you can get directions from Google.
Theres an interactive map, showing you all the free activities and an appendix with free trip planning tools, apps, etc.

TABLE OF CONTENTS

1. Introduction
2. Interactive Map
3. Free Music & Entertainment
4. Free Museums
5. Free Art, Literature, and Architecture
6. Free Outdoor Activities
7. Free Theater, and Dance
8. Free Kids & Family Activities
9. Free Festivals, Street Fairs and Parades
10. Free Tours & Walks
11. Free Food & Drink
12. Free Transportation and Parking
13. Markets, Stores With Free Things & Window Shopping
14. Free Things To Do With Pets
15. Free WIFI
16. Free Tip Planning Resources
17. About The Author



Your Own Personal New Orleans Tour (Travel Guide): Seven Things You Must Do To Have A Fabulous Time In The Crescent City -- A guide for visitors and locals alike
http://www.amazon.com/dp/B00BKDG1CM

NO WADING THROUGH LIST AFTER LIST of suggestions like your typical Fodor's or Lonely Planet, this travel book was put together by a full-fledged local who knows the best places to go to have an authentic New Orleans experience.

THIS GUIDE INCLUDES RECOMMENDATIONS FOR:
* the best restaurants with the most delicious food authentic New Orleans food,
* elegant hotels in all price ranges,
* great bars for fantastic libations,
* insider sightseeing tips,
* popular music venues
* and other fine suggestions on how to have an all around memorable time in the Crescent City.



A Hawaiian Family Vacation: Oahu
http://www.amazon.com/A-Hawaiian-Family-Vacation-Oahu-ebook/dp/B...

What would a woman who grew up in Hawaii show her mainland-born husband and son when they visited Oahu? A former Honolulu resident profiles various beaches, tourist sights, and different types of local food in a new Amazon ebook.

A Hawaiian Family Vacation: Oahu is a virtual scrapbook, with photos and commentary of various Oahu destinations. Barbara Lougheed was born and raised in Honolulu, graduated from the University of Hawaii, moved to the mainland, and married a mainlander. After her son was born and was old enough to travel, she had to plan her first visit back home and decide what to show her mainland born husband and son. She came back to visit every few years, and her new ebook is a summary of the places they visited and the foods they ate. Readers benefit from a different point of view than other travel guidebooks.

Photos and reviews of famous locations like Waikiki and Hanauma Bay are included, but so are other lesser-known areas like Chinatown and Hoomaluhia Botanical Garden. See her son jumping off the rock at Waimea Bay on the North Shore, posing with a turtle at Turtle Beach, eating Waiola shave ice in Kapahulu, hanging from a Banyan tree in Kapiolani Park, ringing the bell and feeding the fish at Byodo-In Temple in Kaneohe, and swimming to Flat Island at Kailua Beach.

Dining reviews cover the local plate lunch, along with other locations serving Chinese, Korean, and Hawaiian food, Pacific Rim cuisine, supermarket deli food, a shrimp truck on the North Shore, and even mochi ice cream.

Choosing a Hawaiian Island to Visit, the last section in the book, details the differences between the Hawaiian Islands, so visitors can decide for themselves which island best suits them. Kauai, Oahu, Maui, and The Big Island of Hawaii differ in population, types of beaches, activities, and ambience, but visitors may not be aware of these differences.



Destinations: The Chicago Tribune Guide to Vacations and Getaways
http://www.amazon.com/Destinations-Chicago-Tribune-Vacations-Get...

Shanghai Stories TOP3 - a travel guide and tour as with the best local guide
http://www.amazon.com/Shanghai-Stories-TOP3-travel-guide-ebook/d...

The Must Sees of Seoul
http://www.amazon.com/Must-Sees-Seoul-Bravo-Your-ebook/dp/B00FJD...

Top Ten Sights: Sorrento
http://www.amazon.com/Top-Ten-Sights-Mark-Jones-ebook/dp/B00K98R...

Top Ten Sights: Dubrovnik
http://www.amazon.com/Top-Ten-Sights-Mark-Jones-ebook/dp/B00K989...

Italy Luxury: Family Hotels & Resorts
http://www.amazon.com/Italy-Luxury-Family-Hotels-Resorts-ebook/d...

Montmartre Neighborhood Guide
http://www.amazon.com/Montmartre-Neighborhood-Guide-Bravo-Your-e...

Havana Tips and Tricks: Interesting Facts and Tips On Havana And Cuba
http://www.amazon.com/Havana-Tips-Tricks-Interesting-Facts-ebook...

Retiring to the Philippines
http://www.amazon.com/Retiring-Philippines-Travel-Expatriates-Ex...

Ten Must-See Sights: Istanbul
http://www.amazon.com/Ten-Must-See-Sights-Mark-Green-ebook/dp/B0...

Books & Magazines Deals
Homeowners Insurance - CLUE Report
Added on : Wednesday June 04th 2014 01:00:11 PM
g: 0 Posted By: master44
Views: 75 Replies: 1 In 2011 we had a basement pipe burst from freezing outside temps while out of town on vacation; The people watching our house turned off the water, but described what seemed to be a mess. While out of town we contacted our home insurance to see how to proceed; It just happens that the cold temps hit lots of people at the same time and the insurance company was unsuccessful in getting a remediation company out. We cut our trip short and returned home to find that the water in the basement receded and didn't do nearly as much damage as we feared. It cost me maybe $500 to fix things and given our insurance deductible was $1000 we called the insurance company and told them there was no claim.

Fast forward a couple of years, we have seen our home insurance premiums increase 25-30% per year since 2011. With the first 2 increases we called and were told it was due to statewide increases and our house getting older, which sucked, but made sense. This year again we got a 30% increase so I started shopping around only to find quoted premiums are really high, i.e. in 2011 we paid ~$700 and now in 2014 we are paying $1750 and new quotes are coming in at $3900+/-.

I inquired why and was told by one company it was due to our claim in 2011 that shows up on CLUE as a $0 claim, but was still considered and treated as a recent claim. The problem I have is there was no claim ever filed, I only called to get guidance on how to do things right when being out of town so I can make sure I am covered by insurance if needed. Long story short, I called the Insurance company I had in 2011 and asked them to remove the CLUE entry and was told that it isn't possible, the best they were able to do is send me a "Letter of Loss" basically saying they made a claim that was cancelled by me without any action taken on their part.

Question is can I do anything about this? I am now looking at paying really high premiums likely because I spoke to the insurance company about remediation for potential damage. If not, maybe this will serve as a warning not to call insurance unless you are really sure you will use them.

Thanks!
Question Deals
Volcom Stone Shell Snowboard Jacket Womens $99.95 FS Usoutdoor
Added on : Wednesday June 04th 2014 09:00:07 AM
g: 0 Posted By: tedhawkins
Views: 124 Replies: 0 Volcom Stone Shell Snowboard Jacket Womens $99.95 FS Usoutdoor

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

Description: Volcom Stone Jacket - Women's
Tougher than nails, and meaner than a werewolf in a beehive, the Volcom Womens Stone Jacket drops the hammer on harsh conditions. Stare down the most intimidating lines in this coat that is all kinds of stylish and is fully dedicated to keeping you well defended against the elements. Plenty of V-Science technology has been infused into this piece to deliver unparalleled performance with serious waterproofing and bomber breathability. Seal out the fluffy stuff with the adjustable powder skirt, and cool things down when you are working hard with the zippered pit vents. Look hardcore and shred with attitude in the Volcom Womens Stone Jacket.
Features of the Volcom Stone Jacket - Women's

Fabrics/Materials: V-Science plaine-weave
Breathability Rating: 10000g
Waterproof Rating: 10000mm
Vents: Mesh Lined Zippered Vents
Pockets: Brushed tricot lined handwarmer pockets
Hooded: Fixed Hood
Fit: Pocket access hem cinch
Lining: V-Science breathable lining system
Seam Taped: Critically Taped
Powder Skirt: Adjustable powder skirt


Clothing Deals
Inheritance Question
Added on : Tuesday June 03rd 2014 06:00:06 AM
g: 0 Posted By: dd564
Views: 16 Replies: 0 Family situation:
I have 3 brothers and a sister. All five of us are married and are in our late 30's - early 40's.
My parents are 82 and 67 and they live on a farm where we all grew up. The farm has been in the family for a couple generations and it is important to my dad that after they pass away that the farm stays in our family name.

Because of this, they don't want my sister to move to the home because she has a different last name.
I don't want to move to it because my wife and I aren't interested. We live about 30 minutes away, and don't see ourselves moving there in the next 5, 10, 20, 40 years. Two of my other brothers don't want it or couldn't afford to buy it. The other no one wants to take it, because it would turn into a junkyard of waste like his current house.

One of the things they are trying to put into the will / trust is that the farm must stay in the family name. I'm not sure if this is for a number of years, or until we all die, or what. No one has any idea who would actually live there or be able to purchase it, or want to. They think just renting out the land is good income that could be split five-ways. Meanwhile, the house and home place doesn't have a logical new owner.
Also, my three brothers who live nearby all use the current buildings for storage, work-space, etc., and my sister and I assume they'll continue this use (thus they like the idea of the farm staying in the name) after they pass.

I believe the way it is written, this would be shared property. My concern is that in this situation, what is to prevent anyone (a sibling, or an in-law) to use the inherited land as collateral, essentially creating a cesspool of debt if they should desire.

Is my concern unwarranted?

Rite Aid 6/15 - 6/21
Added on : Monday June 02nd 2014 03:00:05 PM
g: 0 Posted By: MrVietnam
Views: 101 Replies: 1 Nothing is overly standing out at the moment but here's a couple things, two repeating from 5/25

KY Warming Liquid BOGO 50%
$6.29 + 3.14 = 9.43
$2 MQs upcoming -$4
=$5.43 get $4
$1.43/2 or .71e L2

Bausch & Lomb Peroxi Clear 3 oz $5.99
-$1.50 MQ upcoming
= $4.49 get $3
$1.49 L2

Bayer 81mg Shelf $3.29 $2.63 Gold
-$2 MQ upcoming
.63 (not a bad filler in case you didn't get a ton on 5/25)
In Store Promos Deals
g: 0 Posted By: duna
Views: 0 Replies: 0 Interactive Brokers advertises only $1 fee for tradwes and margin interest rates which currently start at 1.59% and goes down to 0.5%. These seem much lower than all the traditional brokerage firms. Are there things which make IBC less attractive than they seem to be? Have you actually tired IBC?
g: 0 Posted By: ctgolfer
Views: 126 Replies: 0 shipping adds $5

Get reliable performance from the AMD A10-5700 3.4GHz quad-core processor
8GB DDR3 memory For multitasking power, supports up to 32GB
2TB SATA hard drive has plenty of space to store your digital albums, music library and rich media files
USB 3.0 has transmission speeds of up to 5 Gbit/s, which is 10 times faster than USB 2.0
Enhanced viewing with the integrated AMD Radeon HD graphics
SuperMulti DVDRW drive watch movies on your computer; read and write CDs and DVDs in multiple formats
Multimedia card reader makes it easy to transfer photos, music, and other files to and from your digital camera and other peripheral devices
Connect to a broadband modem or router with wired Ethernet, or wirelessly connect to a Wi-Fi signal or hotspot with the built-in 802.11b/g/n wireless connection
Windows 8.1 makes the things you do every day easier

http://computers.woot.com/offers/pavilion-amd-a10-quad-core-desk...
Daily Deals

woot! Coupons
Mr. Coffee Single-Serve K-Cup Brewer, $44.99 @ Aldi B&M (YMMV)
Added on : Sunday June 01st 2014 12:00:02 PM
g: 0 Posted By: AJR
Views: 23 Replies: 0 Went to my local Aldi today (see Aldi.com if you don't know what it is or where one is). Along with the food they sell, they always have a "retail" aisle for seasonal things as well as some merchandise. Not all stores carry the same merchandise and is usually limited to the weekly stock received, so this is YMMV. Today I saw the Mr. Coffee Single-Serve K-Cup Brewer - the price said $59.99 which I thought was pretty good for a K-Cup brewer. I asked my wife if she wanted it for her office at work in case she's running late and can't make her morning coffee at home on our Keurig B70. We get to the register and it rang up at $44.99 (attached receipt).

Link to specs for brewer at Mr. Coffee

The model has a 9.3oz Reservoir so as the title says, it's a Single-Serve unit. Removable drip tray allows for larger cups and travel mugs. It is the stainless steel model and it comes with 5 assorted K-Cups. Brews in under 3 minutes (not as fast as our Keurig which is under 2 minutes which includes the time to heat the water).

Sells for $89.99 at Mr. Coffee site, $70.04 at WalMart, $69.99 at Target.
Sprint HTC One M8 Currently $99 With upgrade On Amazon
Added on : Saturday May 31st 2014 03:00:04 PM
g: 0 Posted By: Joshgrrr
Views: 147 Replies: 0 http://www.amazon.com/HTC-One-M8-Gunmetal-Sprint/dp/B00IZ1VDG6/r...

Its $99, Just purchased to confirm. Everywhere else has it for 149.99 or 199.99.

Dont know how long this will last, get it while its hot.

Some things of note, This is not the harmon kardon edition (the super nice speaker one)
Also for those of you who do not like heavy phones, be aware that the HTC one m8 ACE is coming out next week tuesday featuring a cheaper price, plastic shell, and lesser camera.

Ok that wraps it up!
Cell Phones Deals

Amazon Coupons
g: 0 Posted By: tedhawkins
Views: 96 Replies: 0 Kelty Screenhouse Basecamp Shelter - Medium - $115.98 FS Backcountry

http://www.backcountry.com/kelty-screenhouse-12-x-12

NO BUGS PLUS PLENTY OF HEADROOM EQUALS A HAPPIER YOU.
Grrrr damn pesky mosquitos! Let the Kelty Screenhouse come to your rescue when the bug population is at its prime. This classic mesh tent covers your picnic table so you can sit, relax, and sip lemonade outdoors while other folks combat those blood-sucking little critters with bug spray and clothing. Pull-down shades offer protection from the sun and make the Screenhouse a convenient, multi-purpose tent thats sweet to have whether youre chilling in your back yard or car camping.
Easy clip-sleeve construction helps make set-up a cinch
Taped seams help keep you dry during a quick rain shower
Closeable mesh panels offer superb ventilation
Noiseless zipper pulls keeps things quiet when the kiddies are taking a nap

Bestop Powerboard running boards $760 AC/AR @ amazon
Added on : Friday May 30th 2014 06:00:04 PM
g: 0 Posted By: beepit
Views: 91 Replies: 0 Was doing some research on some powerboards for my 2012 F-150, and I came across this deal.

Bestop Powerboardrunning boards at Amazon for $760 after coupon and rebate,with free shipping.

The rebate expires 7/31/14, but I couldn't find anything on an expiration for the coupon. I didn't check all possible pickups, but the 3 main brands do qualify for the coupon.

This is a pretty good deal for these considering they typically run over $1000. I know i'm probably going to regret it, but I'm not going to pull the trigger on this deal. Too many
other things to buy right now. Some reviews,sales video. Yes, these are the ones that involve tying into your wire harness. The wireless ones are not included with the coupon,
but they do qualify for the rebate.

You're going to find the Bestop camp versus the AMP Research camp arguments all over the place, as with all things take it all with a grain of salt, and make up your own mind.

Hope someone can benefit from this deal.
Best Investments?
Added on : Friday May 30th 2014 12:00:07 PM
g: 0 Posted By: JoeSo
Views: 97 Replies: 2 I came into a few thousand dollars and I'd like to know what the best short term,highest yield investments would be to save some of that in...I've heard things like precious metals. Suggestions?
New User Question Deals
g: 0 Posted By: ctgolfer
Views: 95 Replies: 0 Detailed item info
Product Information
Capture all your special moments with the Canon EOS Rebel T3i/600D DSLR camera and cherish the memories over and over again. With an 18.0 MP CMOS sensor and DIGIC 4 image processor, this DSLR camera lets you take smooth, detailed, and high-quality images. The 3-inch monitor on this Canon 18.0 MP camera makes it easy to view photos, read menu, and compose shots. With a high ISO sensitivity (up to 6,400), the Canon EOS Rebel T3i/600D captures clear photos even in low-light conditions. What's more, you can connect this Canon 18.0 MP camera to the USB port of a PC or a printer, thanks to its dedicated interface cable. All things considered, this Canon 18.0 MP camera, with an EF-S IS II 18-55 mm lens, aims to be a great travel companion.

Product Features
18-megapixel APS-C CMOS sensor
An APS-C sized, 18-megapixel CMOS sensor captures images that are packed with detail and clarity. Such high-resolution allows large print sizes and the flexibility to crop pictures for alternative compositions.
ISO 100-6400 sensitivity
An ISO range of 100-6400, extendable to ISO 12,800, enables high-quality hand-held shooting in low-light conditions, without the need for flash.
14-bit image processing
At the heart of the Canon EOS 600D is a 14-bit DIGIC 4 image processor that provides exceptional color reproduction, smooth tonal gradation and tight control over noise.
Scene intelligent auto mode
Scene intelligent auto analyzes each scene in detail and picks the right camera settings each and every time, leaving you free to concentrate on what's important - your photography.
On-screen feature guide
The EOS 600D's on-screen feature guide provides descriptions of many of the camera's functions, as well as advice on how to use them.
Full-HD EOS movie
Shoot Full-HD video with manual control over frame rate, exposure and sound. Video Snapshot technology allows short clips of 2, 4 or 8 sec to be merged into a single movie file, for footage that looks like it was edited professionally, while movie digital zoom permits 3-10x magnification while retaining Full-HD quality.
9-point wide-area AF and iFCL metering
Nine AF points, including one central cross-type sensor, spread out across the frame for swift, accurate focusing, even with off-center subjects. 63-zone iFCL metering ensures accurate exposures time after time.
Basic+
Basic+ technology allows photographers to customize basic auto settings according to lighting conditions or ambience.
Creative filter effects
Creative filter effects can be applied to Raw and JPEG files post capture, including toy camera, soft focus, miniature, grainy black and white and fish eye simulations.
Built-in wireless flash control
An integrated wireless Speedlite flash controller and Easy Wireless technology allow off-camera TTL flash without the need for extra accessories.
Use with all EF and EF-S lenses
The EOS 600D is supported by the complete system: flashguns, remote releases and over 60 lenses trusted by professional photographers the world over.


www.ebay.com/itm/141303131570
Strategy on buying 2 homes
Added on : Thursday May 29th 2014 02:00:07 PM
g: 0 Posted By: dxulab
Views: 253 Replies: 10 Currently I'm renting an apartment. I have $250k cash. Initially I wanted to buy a new construction with all of the cash. But I just saw a 2010 home for sale for ~$200k. I'm thinking to buy this home with $200k cash and rent it out. Use the remaining $50k cash as 20% down payment for the new construction, get a 30-yr loan, and hope that the rental income will pay for the mortgage of the second home, which will be my primary residence.

Zillow calculator tells me the monthly mortgage payment (including tax/insurance/HOA) is ~$1300 and I think the 1st home will generate similar amount of rent, so ideally they will break even. My job is relatively stable with ~$3600 monthly income. I want to pay off the 1st home because I want to avoid 2 mortgages and keep things simpler. What do you guys think of this plan? Any potential risks? What are the tax implications? Any suggestions and comments are highly appreciated.

Real Estate Deals
g: 1 Posted By: remick
Views: 136 Replies: 0 http://www.amazon.com/gp/product/B00AMA6OLW

5.0 out of 5 stars (12 customer reviews)

Amazon #1 Bestseller and Indie Book Award Recipient

Sure, we'd love to talk to our kids about interesting, relevant topics each weekday. Of course we'd love to supplement what they're learning in school and keep them sharp in the summer. Yes, we even think we can spare 10 minutes a day to do that.

But ~ we might have forgotten some - ehem - possibly many - historical details. We'd rather not commit to months of research to prepare our own family lesson plans. Not to mention, little things (and people) demand our attention and break our train of thought all of the...wait, what were we talking about?

YEAR OF LITTLE LESSON PLANS will give your mouth actual words to say to entertain and educate your little ones ages 3-8, from a Christian perspective, one little lesson at a time. Open, read and enjoy as your children wonder out-loud just how you came to know a little bit about everything.

**A portion of the proceeds goes to an Atlanta-area at-risk pregnancy shelter

Totally Free Deals
Financial Implications of UberX
Added on : Wednesday May 28th 2014 08:00:05 PM
g: 0 Posted By: BigManonCampus
Views: 56 Replies: 3 I know this idea has partially been discussed here:http://www.fullofdeals.com/forums/finance/1337560/ but I wanted to go into a bit more detail and go with a slightly better thought out "business plan" for UberX driving. I recently finished my MBA and so I suddenly have what feels like a ton of free time at night and on weekends. There are the obvious FWF solutions of how to spend this time (H&B, etc.) but it seems like some amount of this time could be spent making more money and getting me out of the house. I had an idea today to start driving for UberX a couple nights a week (I'm thinking a weekday night and a weekend night) and how it could potentially be profitable.

My current vehicle is a pickup truck, so I'd have to obtain a second vehicle for Uber driving. Their requirements are <10 years old, clean title (not salvage/rebuilt), "excellent cosmetic and mechanical condition" (frighteningly vague) and 4 doors. A bit of basic craigslist/autotrader browsing suggests I can get a suitable 4 door vehicle with ~100k miles on it that is exceptionally unpopular (Suzuki Forenza/Verona, Chrysler Sebring/PT Cruiser, Chevy HHR, etc.) for around $3,500-5k. Alternatively, there are some nicer options (Lexis IS250, Cadillac CTS/Deville) in the $7-9k range. The hope would be that I could essentially drive these cars around 20k miles and do little maintenance beyond oil changes and treat this car as my UberX whipping boy then just sell them for roughly I have in them (alternatively, if something serious breaks or the car is totaled, consider it a capital loss and see what I can get for scrap, I'm cool with this risk).

So, here's my math:
Shift Mileage $ from Mileage $ from Time (Assuming 80% time/mile ratio) $ from Base fares (assuming 5 mi/ride*$2) Total Gross Earnings Uber's Cut Gas Cost @ 25 mpg @ $3.7/gal IRS Mileage Deduction (.56/mi) Taxable Amt Tax Burden ( assumed @30%) Net Earnings 20 28 22.4 8 58.4 11.68 2.96 15.82 30.9 9.27 21.63 40 56 44.8 16 116.8 23.36 5.92 31.64 61.8 18.54 43.26 60 84 67.2 24 175.2 35.04 8.88 47.46 92.7 27.81 64.89 80 112 89.6 32 233.6 46.72 11.84 63.28 123.6 37.08 86.52 100 140 112 40 292 58.4 14.8 79.1 154.5 46.35 108.15 120 168 134.4 48 350.4 70.08 17.76 94.92 185.4 55.62 129.78 140 196 156.8 56 408.8 81.76 20.72 110.74 216.3 64.89 151.41 160 224 179.2 64 467.2 93.44 23.68 126.56 247.2 74.16 173.04 180 252 201.6 72 525.6 105.12 26.64 142.38 278.1 83.43 194.67 200 280 224 80 584 116.8 29.6 158.2 309 92.7 216.3
Here's my explanation of my assumptions/numbers
Shift Mileage: Assumed mileage driven with a paying passenger

Income:
$ from Mileage: Assumed mileage x mileage rate
$ from Time: I took my last twenty UberX trips and the average Mileage $/Time $ was around .8, so I just multiplied $/Mile * .8
$ from Base Fare: Obviously this is highly dependent on number of trips. I punted on this one and assumed each trip was 5 miles, so every 5 miles I make $2/base fare.
(Not Calculated): Any weekend night I don't spend partying in bars, I don't spend money on drinks/rides home.

Deductions:
Uber's Cut: 20%. I would probably also drive for Lyft as well, in my travels, I've seen many drivers do both UberX and Lyft at the same time, but I'm assuming whomever I'm driving for, that's commission.
Gas: My assumptions per mile
Taxes: Assume 30% for taxes and 56.5 cents per mile deducted.

The obvious things ignored here are miles with no earnings going to pick somebody up (to which I have no idea how to calculate) and insurance costs. I assume my insurance costs will be minimal because it'll be a second car on my current single driver policy and carry liability only insurance. If I have a $3,500 car that is only the UberX whipping car and I total the thing, I assume my insurance and Uber's $1 million liability will pick up the liability, and I'll just get rid of the wrecked car and decide that UberX wasn't worth it.

I'm assuming that using a normal distribution with the above numbers and assuming 60-120 paid miles, I'll average $100/night (I suspect it would be more like $50/weeknight, $150/weekend night) Whether this is realistic or not, I don't have a good way to determine, Uber's community managers swear that everybody gets $1000+ a week, blah blah blah.

So, my only unknowns are the real UberX market in my city, if I bought a car and immediately had to put a significant amount of money into it ($500 repair or something two weeks after I get it), but that is just a risk I have to take with this plan.

So, FWF, anything I'm missing?
Question Deals
New Real Estate Bubble?
Added on : Wednesday May 28th 2014 08:00:16 AM
g: 0 Posted By: Xnarg1
Views: 110 Replies: 2 Are we in the midst of a new RE bubble? Stories are starting to appear on the main stream media which suggest housing downturn is no longer bad weather related from earlier this year. I believe the Fed also revised U.S. growth estimates down due to worsening house conditions. On top of that, wealthy buyers are having no problems (I read $1 million+ houses) but any middle class buyers are having a hard time. I want to buy a house in about 12 months (after summer of 2015), but can wait an extra year if things will get really bad again (though at such a point supply may be very limited). In Bay Area specifically, I am anecdotally hearing that housing here is going to crash (or at least correct itself) near the end of the year. I have not lived here long enough to really know the market - it is extremely bizarre here. Rents are sky high also.
g: 4 Posted By: remick
Views: 302 Replies: 0 http://www.amazon.com/dp/B004ZLB9WI

4.7 out of 5 stars (36 customer reviews)

Too often Christians carry a lot of guilt and baggage when it comes to their relationship with God. The problem is that so many of us believe unbiblical, damaging things about how critical God is and how fed up he must be with us. But many of the things we think Jesus would say to us--things like "I can't believe you call yourself a Christian," "If you really loved me, you'd try harder," and "I'm so disappointed in you"--are things he never said. The solution, says Will Davis Jr., is to stop believing the lies and start believing the things Jesus did say.

In 10 Things Jesus Never Said, Davis unmasks commonly believed myths about our relationship with God and shows readers how to replace this pervasive theology of failure with the truth of how Jesus really feels about them. Discussion questions at the end of each chapter help small groups or individuals apply these truths to their current situations. Anyone who has ever felt that they didn't measure up to God's standards will love this freeing exploration of grace and forgiveness.
Books Deals

Amazon Coupons
Tips for my last AOR for the forseeable future?
Added on : Monday May 26th 2014 12:00:11 PM
g: 0 Posted By: bytem3
Views: 58 Replies: 0 ETA: I need to do this by Thursday (5/29).

I have some CCs with annual fees about to become due. Since I may be moving to Canada shortly (and should be able to hit several thousand in USD spend; after that, most/all spend would be in foreign currency), I'd like to get in one final AOR. Air Canada (Star Alliance) is the main airline that services the nearby airport, though it is also serviced mostly by Air Transat, Alaska, Delta, Lufthansa, United, and WestJet. There is also a nearby airport that is serviced by Alaska, Allegiant, and Frontier. I am generally more interested in travel miles (for first class international flights) than hotel nights, but am open to suggestions. I haven't checked my credit score in a while, but it's usually 750+. Last mini-AOR was in February.

Cards I currently have:
Chase: Ink Plus, Freedom/Marriott/IHG; IHG up for renewal, but think I will keep it; I got the Ink Plus in February, but think I just passed the 90-day mark a week or two ago, but didn't think to ask Chase to match the ongoing 60k signup bonus offer
Amex: PRG/BCP/Costco; BCP and PRG up for renewal - have all the MR points unused, but not sure what to convert/transfer the MR points or the cards to
Discover: It
Barclays: Arrival; up for renewal, previously denied any promo/retention offer, and they recently changed the card to their new Arrival Plus World Elite...should I keep this card? Apparently, now more things qualify as travel purchases for 2.2% Cash Back redemption.
US Bank: Cash+/general
BoA: Better Balance Rewards
FIA: Amex/Visa

Cards I am thinking about:
- US Bank Club Carlson 85k promo (50k first purchase, 35k after $2.5k) - not sure if I should get Visa Premier ($75 AF, more perks) vs Business Rewards ($60 AF, but fewer perks) -http://www.clubcarlsonvisa.com/credit/compare.do
- Chase Bold Plus 60k promo ($5k spend, $95 AF waived 1 year)
- ?Chase Sapphire Preferred
- ?Chase United
- ?Amex Starwood
- ?Amex Delta Gold (35k with $1k spend and $50 statement credit on a Delta purchase; $95 AF waived) - now, this card has no FTF. It is a bit confusing, though, since this is a targeted offer I receive after entering my SkyMiles # and last name, but it says "For Personal Use: Welcome bonus offer not available to applicants who have or have had this product" and I already got this card two years ago and held it until just over 12 months ago.
- ?Barclays US Air 40k (first purchase, $89 AF not waived); I already have ~40k miles from getting this same card ~two years ago

Things I'm also thinking about:
- ?What to do with the 50k Amex MR points attached to the PRG? (downgrade to a no-AF MR card?)
Discussion Deals
g: 0 Posted By: ctgolfer
Views: 10 Replies: 0 shipping adds $5

23" IPS Widescreen WLED backlit anti-glare 1920 X1080 16:9 aspect ratio display
Get reliable performance from the AMD E2-3800 quad-core accelerated processor
4GB DDR3 memory For multitasking power, expandable to 16GB
500GB SATA hard drive has plenty of space to store your digital albums, music library and rich media files
Enhanced viewing with the integrated AMD Radeon HD 8280 graphics
Two USB 3.0 ports and 4 USB 2.0 ports for plenty of connectivity for your USB devices
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Connect wirelessly with the Atheros AR5B125 802.11b/g/n single antenna PCI Express half-length mini card
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g: 0 Posted By: ctgolfer
Views: 73 Replies: 0 shipping adds $5

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Do's and Don't for running 'Flea' Market Sales
Added on : Saturday May 24th 2014 03:00:04 PM
g: 0 Posted By: Kingofthenet
Views: 128 Replies: 0 I got this idea for a thread from my other thread on Flea Market Profit Margins, we can all use ideas for better sales, here are some of my personal Do's and Don'ts , this is for sellers with NEW items wanting to stay in business long term, selling used and or personal items is a different market. Feel free to critique or add your own Tips...

Do:
1. Have enough inventory/products at a cost that gives you room to bargain.(I estimate for low cost items, you should AT LEAST have ten unique items and good size inventories of each, 20 minimum) and at least $3,000 your cost in inventory.
2. SELL your products, if need be Infomercial 'style', show the customers the features, point out why it's good, print out what others are selling it for, be excited about your merchandise.
3. Keep like with like, mixing your Hi Tech Electronics items with Food Products or Antiques devalue them all.NO one want's to buy food products right next to cases of Rat Poison.
4. Always stay ahead on inventory, you can't sell most of your merchandise and THEN go looking for more deals, otherwise you will have to quit sales for awhile.
5. Make at LEAST 10x in sales vs costs of the table(s). If a table at an event costs $25, then you need to make at LEAST $250 from that table in sales for the day.

Don'ts:
1.Sell things that are incompatible together, Selling Super High End Handmade Bee's Wax Candles next to boxes of soon to be expired Rice A Roni. (I saw a stand where a guy was selling food products AND a used toilet) no kidding....
2. Not have enough inventory (or sell yours out) to keep going, NEXT week or the week after that. Stay ahead by at LEAST a month.
3. Spend a bunch of money on non-essentials, like Credit Card Processing or expensive Custom Print work, just make up signs on poster board yourself.
4. Get so close with cost vs sale price that you don't have any room to maneuver.
5.Get fixated on what you WANT to get to in DESIRED Profit Margins, sell for less profit, if need be to make sales.

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g: 0 Posted By: exmiuwu
Views: 82 Replies: 0 http://www.cagreatamerica.com/events/things-to-do/special-events/Military-Days-5-18-13-10
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question about HCBK MTB buyout
Added on : Saturday May 24th 2014 02:00:04 AM
g: 0 Posted By: IStillPickUpPennies
Views: 5 Replies: 0 http://www.fool.com/investing/general/2012/08/28/a-bank-merger-s...

Ever since I read the artible above nearly two years ago, HCBK has been on my radar. The stock was trading at about $6 back then, and it was going to be bought out by MTB, supposedly offering a roughly 15% premium to the current price. I never invested, but it was one of those nagging ideas I kept thinking about in the back of my mind, you know?

Since then, banking regulators (known for taking their time with these sorts of things) have delayed the buyout twice. Now it is presently supposed to happen by December 31 2014, or both parties can walk away.

On its own, HCBK has recovered along with the market back up to nearly $10 a share. I understand that if the buyout doesn't go through, it may drop a couple of bucks a share, so I guess that is the downside. However, I'm not sure what the UPSIDE would be at this point?

HCBK is still selling at about 1x book value, so I still think of it as a possibility now and then. However, I'm not sure where I can find out more about the potential upside to investors at this point. Can anyone point me to a website that would offer detailed information, specifically about the proposed merger details? Obviously, if MTB is still offering the OLD price, then it would mean that HCBK stockholders would actually LOSE money if the buyout goes through, and that can't be right. I mean, why would anyone buy a stock that would go down whether or not the buyout goes through? There must be something I don't understand here, and I'm not sure where to find the information I need to do a fair evaluation of this buyout. If anyone can point me to a website that would have this, I would appreciate it greatly.
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g: 0 Posted By: ctgolfer
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g: 0 Posted By: ctgolfer
Views: 46 Replies: 0 This Bioshock Triple Pack includes BioShock, BioShock 2, and BioShock Infinite.

BioShock is the "genetically enhanced" first person shooter that lets you do things never before possible in the genre: turn everything into a weapon; biologically mod your body with plasmids, hack devices, and systems; upgrade your weapons and craft new ammo variants; and experiment with different battle techniques.

Follow-up to BioShock, BioShock 2 is a first-person shooter set in the fictional underwater city of Rapture. As in the original game, BioShock 2 features a blend of fast-paced action, exploration and puzzle-solving as players follow varying paths through the overarching storyline based on the decisions that they are forced to make at various points in the game. In addition to a further fleshing out of the franchise's popular storyline, players can look forward to new characters, game mechanics, weapons, locations and a series first, multiplayer game options.

BioShock Infinite is set in 1912. Players assume the role of former Pinkerton agent Booker DeWitt, sent to the flying city of Columbia to rescue Elizabeth, a mysterious girl imprisoned since childhood and locked up in the flying city of Columbia. Forced to trust one another, Booker and Elizabeth form a powerful bond during their daring escape. Together, they learn to harness an expanding arsenal of weapons and abilities, as they fight on zeppelins in the clouds, along high-speed Sky-Lines, and down in the streets of Columbia, all while surviving the threats of the air-city and uncovering its dark secret.

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Nakamichi NK2000 Headphones @ KMart $25 - $20.25 SYWR
Added on : Friday May 23rd 2014 04:00:02 PM
g: 0 Posted By: REALid10t
Views: 39 Replies: 0 I was killing time at Kmart before work the other day...yes, apparently that happens still, you see some interesting things.Anyway, I stumbled upon Nakamichi NK2000 headphones for $25 with $20.25 back in Shop Your Way Rewards. So your net is $4.75 plus tax if you're into that sort of accounting.

Turbulence
Yellow
White

I do not have information on when this offer ends.
I don't know much about the brand either, but they have decent reviews on the Kmart site. as opposed to no reviews onAmazon(where they're $39.90).

ETA: I was wrong, this is available through the website. It'll show $20.25 under "Earn for Next Order" when you're checking out. With Free Store Pickup.
If you're signed in to your SYWR account, the product page should state that a Shop Your Way Rewards coupon has been loaded, near the price.
Seems to be OOS for shipping.

Specs
More Money = More Problems/Stress? How To Stop It.
Added on : Thursday May 22nd 2014 05:00:12 AM
g: -5 Posted By: robronson
Views: 67 Replies: 7 I started making triple my old salary recently by going into consulting and it's nothing but stress and headaches. Before, when I was making roughly $70k a year, I was really happy maxing out my 401k (to the actual max, not the employer match max), maxing out my Roth IRA, maxing out my iBonds, and I didn't really have much left over after living expenses so I basically spent the rest, with the knowledge I had been doing well in my savings (hitting all the maxes), and was comfortable.

Now I have first-world 1%-er problems because being self-employed I can contribute my employer contribution to the 401k as well. I had to shift around my existing Traditional IRA money into my Solo 401k to be eligible for a back-door Roth contribution (which was a huge hassle because none of the account transfer forms worked as expected so I wasted hours and hours getting this done). I have to max out an HSA. I have two sets of I-Bonds I can max out (individually, and corporation's EIN). I have to pay quarterly estimated tax. I have to avoid overpaying the estimated tax, so I don't give the IRS a tax-free loan, but I have to keep the money liquid and free to pay the tax, so I have to maintain a Rewards Checking account and meet the requirements to get the higher rate on this money. I'm juggling multiple credit cards for their rewards, moreso than before, because of all the businesses expenses I have, reimbursable by the client.

I say "need" and "have to" somewhat facetiously because I don't really HAVE to do those things. But it would cause me great stress to let $5k per year in credit card rewards go unearned because I didn't juggle credit cards on my $10k/month business travel expenses. And it would feel bad to not earn 2% yield in a rewards checking account on $20k sitting there waiting to pay SE Taxes.

I made a spreadsheet to track my estimated earnings throughout the year, for tax planning purposes, and I'll be "in debt" to myself until November. In other words, it's not until November that my incoming consulting money will be enough to max out the 401k, IRA, HSA, IBonds, and pay the taxes owed on the income. If I can't keep getting gigs continuously through November, I'm screwed. My contingency plan is to use money earned in 2015 to pay 2014 employer-contribution 401k, IRA, and HSA because those aren't due until April 2015 (and technically I think my employer-contribution 401k can be paid by October 2015 if I file an extension). Of course, this contingency plan is only kicking the can down the road and I'll have problems meeting my 2015 contribution maxes if I use 2015 income to pay old 2014 "debts" to myself.

I thought making a lot of money was supposed to be fun and stress-free? I just feel like Damocles' Sword is dangling over my head. I don't mean this to be a thread about my personal situation. Let's discuss how more money has led to greater stress in your life and what you've done to reduce the stress.
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g: 0 Posted By: remick
Views: 413 Replies: 0 http://www.amazon.com/gp/product/B00KAI845K

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g: 0 Posted By: remick
Views: 130 Replies: 0 http://www.amazon.com/gp/product/B00HVS5DT2

I tried everything. Changing shoes, changing nutrition, changing my running form and changing my training plan. I even prayed to the running gods! It didn't matter. Every time I'd bolt out the door for a run something new would hurt. I was a broken down, frustrated runner. The most common pain was in my calves and I used to joke that you could flip a coin for which one was going to hurt that day. Because of this, I wasn't getting fitter and my times certainly weren't getting faster (in fact, they were getting slower). Running wasn't fun.

Even though it seems like only yesterday, that was five years ago. At the time, the more things I changed, the more it felt like I was wasting my time. But slowly my running started to improve. My body felt better...and healthier. I got fitter...and I got faster. I'm an experimenter at heart - I love tinkering with different things and trying to figure out not only what works...but what works the BEST. In this case, I was after the secret sauce of running.

And I believe I've found it.

In this book you'll receive not only the 50 Best Tips EVER for Running Fitter, Faster and Forever, you'll also receive:

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If you're just starting out and you think this book isn't for you because you're "not a runner," it is! It will get you started on the right foot and help you get the most out of your running...whatever that means to YOU.
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g: 0 Posted By: ctgolfer
Views: 126 Replies: 0 shipping adds $5

Get reliable performance from the AMD A10-5745M quad-core processor
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Penfed 5/5 or BoA 10ARM Mortgage - please help me decide
Added on : Tuesday May 20th 2014 03:00:06 PM
g: 0 Posted By: 1X2Y3Z
Views: 60 Replies: 0 Hi:
I am taking a loan of around 640K after 20% down payment and here are the two options I am considering. I intend to stay in this home no more than 10 years and hence I am considering these two options

Penfed -- Current rate on the 5/5 ARM is 3%. 2% max every reset, with 5% lifetime max. Will help with closing costs upto 10K but I need to use their title services which as per the GFE cost at around $8000 -- $5000 for title services and lenders title insurance and $3800 for owners title insurance. I read elsewhere in these forums that they don't treat them as simultaneous insurance policy which other title services companies quote at $4600. Also, I believe the first 5 year reset is a minimum 4% because what I am getting now is promotional rate of 3%.

BoA - Current rate on the 10/1 ARM is 3.25%. 5% max on first reset, 2% max subsequent resets, with 5% lifetime max. Will provide lenders credit of around $2000 and I can use my own title service which is around $4600. One additional cost compared to Penfed is $800 origination fee.

I must mention that dealing with Penfed is extremely difficult, very poor response whereas BoA rep is very accessible and very eager to help and expedite.

Any views, recommendations and/or things I should be considering as I make a decision? Please help me make a decision.

Thanks in advance...

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g: 0 Posted By: ctgolfer
Views: 164 Replies: 0 Fujinon 30x optical zoom and super macro
Fujinon zoom lenses with fast apertures of f/3.1 to f/5.9 With 15 elements in 11 groups, the lens combines aspherical and ED elements to good effect for reduced aberration and superior image quality. With super-macro mode capturing subjects as close as 2 cm from the lens, the FinePix F6800 seamlessly covers an enormous focal range with no need to ever change lenses.
6 scene SR AUTO (scene recognition auto)
Framed scenes are automatically detected and selected into appropriate camera settings: portrait, landscape, night, macro, night portrait, and backlit portrait.
Full HD movie (1080i/60 fps)
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The camera support H.264 format incorporating both high quality image and small data size.
One touch movie recording button
A one-touch movie recording button enables you to capture all the action in Full HD.
High speed movie
Sometimes things happen too fast for you to see them properly with your own eyes. The FinePix S6800 can freeze the action at up to an amazing 480 fps! So you can see every single minute detail and watch things happening step by step in slow motion.
Side-lever zoom control
You adjust zoom with your left hand while the index finger of your right hand rests on the shutter button, ready to take the shot and choose from three zoom speeds or use "auto back zoom" for long zoom photography.
Versatile shooting modes P/S/A/M/mode dials
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Just sweep the camera right-left or up-down to shoot giant panoramas up to 360. When you view the panorama playing back on your camera or personal computer, you can enjoy a seamless panorama image with both ends stitched together to create a "cylinder" view.
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g: 0 Posted By: remick
Views: 101 Replies: 0 http://www.amazon.com/gp/product/B00JET3G6S

A great guide about caring for and preserving your tack, the tips inside will be helpful for all levels and disciplines of riders.

All tack is very personal, the way it is made, the design, look, and fit are all tailored to a specific type of person and animal. Often times finding the perfect saddle or bridle is very difficult, and when you do find that perfect piece of tack you want to hold onto it for a long time.

There are quite a few things you can do to keep your tack (leather or otherwise) in good working condition for years to come. But, first of all it begins with learning how to take the best steps to care for it. This book will give you some great ways to care for your saddle and also a few tips and tricks of the trade that can make things easier.
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g: 0 Posted By: ctgolfer
Views: 128 Replies: 0 shipping adds $5

Get reliable performance from the second generation Intel Core i5-2467M dual-core processor
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AZ property management. . .
Added on : Monday May 19th 2014 08:00:11 PM
g: 0 Posted By: hambirg
Views: 5 Replies: 0 My mother owns a park model in a very nice park in AZ. It is also in a prime location, about a block from the main club house, pool, etc.

She hasn't been down in a few years. From what I have found out, it can rent for $1700/month during the rental season.

She does nothing but complain about paying the HOA fees and the taxes on this property.

She did rent it for a few months a couple of years ago, but it was nothing but problems, as far as I know. It was rented through the park's office and there was some sketchy things with the man that was the agent. The story is, my mom asked about some blankets that were missing and the agent admitted to letting some friends "stay there for awhile" and they must have taken the blankets. I think the translation is that the agent was renting the place out, but not reporting it and paying my mom. . .or so she believes. Welcome to Del Boca Vista folks!

Anywhoo, it makes no sense to me that she isn't renting it out. She can easily make the HOA fees and the property taxes on it, plus some, in a season. It does need a new air conditioner, cleaning and de-weatherization (is that even a word?) at the beginning of each season, someone to clean after each renter, and someone to weatherize at the end of the season. According to her, she does not have to go through the park to rent it. Soooooo. . .my question is. . .can't we use a property management company from the area? Surely she is not the first person to ever do this, right? How much do they normally take as a cut in that area and what services do they provide as standard. Normally around here it can be anywhere between 10-20% depending on the services they provide. Also, what are the tax implications? Does she need to consult her tax attorney if she decides to do this?

TIA! Please be kind. I'm not an idiot, but I don't have any experience with this kind of thing. It just doesn't make any sense to me that she isn't using this asset for income and instead making it a liability. However, at her age, if it is too much work than it truly will be a liability. I'm just looking for a way to put this on auto pilot and at least break even. In three more years my brother will be old enough to own and can take it over. We would like to keep the property in the family.

Question Deals
Soliciting advice regarding housing situation
Added on : Monday May 19th 2014 10:00:14 AM
g: 1 Posted By: investingstuff1971
Views: 134 Replies: 2 Hi,

I am trying to help a good friend get her life together and one of the first things to figure out is what to do about her living situation. I will try to describe the situation as succinctly as possible. In 2005 her then mother-in-law borrowed the money to have a house built for her son and my friend. As near as I can deduce from the public records, the total amount of money borrowed was $91,000, split between a first mortgage and a HELOC (presumably to get around mortgage insurance). Later in 2005, she quit claimed the property to her son and my friend so, as I understand it, there are currently three names on the title, the mother-in-law, her son and my friend. In 2006 she took out a second mortgage against the property in the amount of $23,000. My friend is almost sure that only the mother-in-law's name is on any of the promisary notes. In 2009 or 2010, my friend and her husband divorced. I don't know that details of that proceeding beyond the fact that there were no lawyers involved and I would imagine that there weren't many assets to distribute.

In any case, my friend got custody of the three children and the house. She has for the last four years dutifully made the mortgage payment (which are $800/month) on her mother-in-law's note. I am trying to figure out what the payoff is for everything, but the house is almost definitely under water by at least 10 or $15k. There is a lot of tension (much of which is unrelated to the house) between my friend and her ex-husband's family and I think that it would be really healthy for her to simplify their relationship by leaving the property. My friend is open to the idea; the house has a lot of sad memories for her and she would almost certainly be able to find something nicer to rent for less money. (we live in a pretty economically depressed area) I really don't want to give her bad advice though which is why I'm soliting the fatwallet forums for their thoughts. Were she to leave the property I don't know exactly what here mother-in-law would do, but I would imagine that she would try to do a short sale. What if the house went in to foreclosure though? If that were to happen, how would that affect my friend who is one of three names on the title but not party to any of the notes against the property? I'm trying to encourage her to talk about the situation with her mother-in-law so that she can extricate herself from the situation in the manner that does the least harm to the both of them. Frankly here mother-in-law has treated my friend very, very badly, but she was nice enough to help them buy the house and neither of us want her to suffer a foreclosure if it can be helped.

Anyway, I know that this was all a bit rambling, but I'd love to hear any thoughts that anyone might have.
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g: 0 Posted By: tedhawkins
Views: 18 Replies: 0 50% OFF Sierra Mountain Gear 9 in 1 Plier Tool $8.97 @ Campmor FS on $50+

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9 In 1 Plier Tool is versatile & made from High Grade Stainless Steel
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Dimensions - 5.75"x1.8"x.5"
Weight - 9 oz.
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g: 0 Posted By: remick
Views: 35 Replies: 0 http://www.amazon.com/gp/product/B007SYLFG4

Revised and expanded edition!

Here in Volume 19 of "On Target Photo Training" we delve into correcting facial flaws - in the camera - by the way we pose and light our subjects.

Then we take everything we've been learning - tie it all together and start trying to develop our own personal style.

There are many professionals out there where as soon as we see a photo they've done, we immediately recognize who the photographer was. As artists, this is a goal we should all strive to achieve.

When learning, it is important to both learn the rules and to follow them. Only THEN can you break them.

It's vitally important to know the rules before you break them. Once you are comfortable with the way things normally "should" be done, then you can go your own way and start adding your own creativity and personality into the mix.

That's when the artist inside of you will get out...And that's what we all want, isn't it?

To get an idea of some of what is involved in this "On Target Photo Training" volume, here is the table of contents:

Introduction
Photographing The Portrait Headshot
Studying The Face
The Better Side
Here Is Some Science
Look For Flaws!
Make Your Model Comfortable
Visually Minimize Flaws
Positioning The Head And Shoulders
Full Face
Chubby Cheeks And Kids
The Profile
Three Quarter Head
Directing The Model
The Horizontal Turn
Vertical Lift Or Drop
Diagonal Tilt
Correcting Facial Flaws With Head Position!
Parts Of The Face
Eyes
Four Ways To Cure Squinting And Closed Eyes In Portraits!
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 Patterns To Minimize Flaws!
The 2 Base Lighting Patterns:
Narrow Light
Broad Light
4 Essential Lighting/Shadow Patterns
Split Light
Loop Light
Butterfly Light
Rembrandt Light
Additional Portrait Lights:
The Fill Light
The Separation Light
Let's Use What We've Learned
Children
Be Decorative
Show Your Creative Intent
Incorporate Skill And Emotion
Capture The Essence Of Your Subject
Complement Your Subject
Finding Your Personal Style
Develop Your Personal Style Muscles
Lets Get Creative
Taking Risks
17 Portrait Compositional Tips
Photo Exercise
Additional Photo Training

This is a fast and easy read and within an hour or so, your portrait photography will be enhanced more than you may imagine! Finally you can start winning photo contests or start hearing that musical phrase "WOW, you did that?"
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g: 0 Posted By: ctgolfer
Views: 92 Replies: 0 7.9-inch Retina display
Photos and videos look incredibly detailed and text is razor sharp on the stunning Retina display, which features over 3.1 million pixels - a million more than an HDTV.

Thin and light design
iPad mini is incredibly powerful and capable, with advanced features like iSight and FaceTime HD cameras. Yet you can still hold it in one hand.

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The powerful and power-efficient A7 chip with 64-bit architecture makes everything remarkably responsive - while still delivering up to 10 hours of battery life.

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Powerful apps included
iPad comes with great apps for sending email, browsing the web, and making video calls. It also includes apps that let you do amazing things with your photos, movies, music, documents, presentations, and spreadsheets.

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Diablo 3: Reaper of Souls (Expansion Only) - $30 + FS at Target.
Added on : Sunday May 18th 2014 05:00:03 PM
g: 2 Posted By: jskins
Views: 57 Replies: 1 Diablo 3: Reaper of Souls (Expansion Only)- $29.99 + Free Shipping at Target. 3.7/ 5 stars based on 135 Amazon customer reviews.

"NO ONE CAN STOP DEATH
The Prime Evil rages within the Black Soulstone, its essence screaming for vengeance and release. Before the artifact can be sealed away forever, Malthaelthe Angel of Deathmanifests in the mortal realms with a deadly new purpose: to steal the Black Soulstone and bend its infernal power to his will. So begins the end of all things "

Diablo 3: Reaper of Souls (Expansion Only)is also available at Amazonfor $29.99.
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Sub Gear Carry On Bag $84.95 FS Amazon
Added on : Sunday May 18th 2014 07:00:04 AM
g: 0 Posted By: tedhawkins
Views: 170 Replies: 0 Sub Gear Carry On Bag $84.95 FS Amazon

http://www.amazon.com/Sub-Gear-Carry-On-Bag/dp/B0068J6R2M

Sub Gear knows what you need for travel This bag isn't small, it's compact! The cabin bag is a sturdy carry-on-size version of the Sub Gear Roller Bag Large Zippered Pockets on the front provide Extra Storage, Sturdy Telescoping Handle Adjusts and Durable Wheels makes traversing a busy terminal a breeze If things get crowded, just pull out the Optional Padded Back Pack Straps from their Zipper Compartment and away you go! The Sub Gear Carry-On Bag is manufactured from Durable Nylon Material with Multiple Padded Grab Handles on the side and top for easy carry and the Durable Zippered Closures are equipped with Pull Tabs Bag measures 19 5" x 12" x 10" (50 x 30 x 25 cm) with a Volume of 2,246 4 cubic inches (36 82 liters) and weighs 4 5 lbs (2 kg) when empty If you travel and are looking for a Carry-On bag that is built tough, is versatile and fits in the overhead compartment with ease, than the Sub Gear Carry-On Roller Bag is what you are looking for
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g: 1 Posted By: remick
Views: 110 Replies: 0 http://www.amazon.com/dp/B00J83XF84/

4.8 out of 5 stars (31 customer reviews)

To write a book about Jesus is a challenging task; to live a life like Jesus is more challenging still. Though not primarily a work of theology or of spirituality, this popular history intends to help the words and deeds of Jesus come alive for contemporary readers. In Jesus day, he was a polarizing figure; one was either for him or against him.

Today, even many who are familiar with the story of Jesus are unmoved. There are a number of reasons for this, but one of them is that we have forgotten the history of which Jesus came to be part; and we have also forgotten how we fit in. When God acted in Jesus, he acted in history, and that history came with particular cultures, presuppositions, and memories of its own. Without an understanding of these things, Jesus polarizing words and deeds become blunted because their backdrop has been removed.
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Car hit while getting serviced at dealership
Added on : Friday May 16th 2014 05:00:10 AM
g: 0 Posted By: tante
Views: 76 Replies: 1 I just received a call from the dealership saying my car was involved in an accident in the service area. I am heading to take pictures of my car in about an hour but I was hoping to get some advice from people here first before I talked to them. They already offered to fix the damages and put me in a loaner car but I am leaning toward getting the car fixed at a shop of my choosing. They told me they would need my car for 5-7 days so the damage sounds pretty extensive.

I am assuming that I am dealing with their business insurance versus an auto insurance company so how does that change things. And lastly how does a diminished value claim work?

car is a 06 Toyota 4Runner

and pics will be coming.
Job/Career/Life decisions. Advice and guidance is welcome
Added on : Thursday May 15th 2014 04:00:06 PM
g: 0 Posted By: nasheedb
Views: 93 Replies: 0 I'm 27 years old. I work in IT and I make $107k a year. Last fall I accepted a position in Switzerland, but so far I've been unable to obtain a work permit. Thread about thathere.I have at most 2 more months until I receive a final decision, but I'm not optimistic at all anymore. In the meantime, I had another job come up, a contract opportunity which pays a fair bit more than what I'm making now, but it wouldn't be very challenging. My dream job would be to work as a pre-sales engineer or as a solutions architect.

Now let's talk about my GF. We've been together for nearly 3 years now. I would like to keep her around for a lot longer, she's a keeper. She's defending her dissertation next month and after that she'll have to find a post-doctorate for 2-5 years. Afterwards, she plans on pursuing a career in academia. She is currently interviewing for a post-doc in Switzerland and has a very good chance of getting the position, as well as a work permit.

Here are our options as far as I can tell:

1. (preferred, but unlikely) My Swiss work permit comes through and my GF gets a post-doc in Switzerland
pros:

I make close to $150k/year with overtime/on-call pay, she makes about $105k/year
We share an apartment, reducing our expenses
We get to explore all of Europe

cons:

​high cost of living, however our salaries would be more than enough to live well in Switzerland

2. I take the contract job, she looks for a different post-doc in the US.
pros:

I make $80/hour on a W2 with benefits
I have a lot of control over my job, it's basically a one-man show

cons:

my gf would make $45k/year, she would have to live in a high cost area, and we wouldn't be living together
my job wouldn't be very challenging
I'm not growing profesionally
my gf wouldn't be able to find the best post-doc she can, she would be settling for something average

3. I look for a pre-sales engineer or solutions architect job, either here or overseas. I would have to wait until I have resolution on my Swiss visa before I can proceed with this path
pros:

I'm doing exactly what I want to be doing
Ideally, my gf and I would be living together
I make a bit more money than I currently do
This job typically requires at least 50% travel (my gf would be OK with this)

cons:

There simply aren't that many of these jobs around
I have the required technical knowledge and experience for the job, however, I don't have much experience with responding to RFIs/RFPs and have limited experience with giving demos or public speaking
I may not have the right personality for the job. I'm an introvert, and at times can be socially awkward around strangers. I definitely do not have the salesman personality
If the job is in the US, my gf would only be making $45k/year.

4. I can take the $80/hour offer to my current boss and I can ask him to see what he can do with it. I'm pretty much at the maximum pay for my job grade, so I would pretty much need to be promoted in order to get more money (which we've talked about recently, he said it could happen within the next year). I am currently working remotely and very rarely have to travel. I can probably probably get my boss to agree to let me work from Switzerland

pros:

I can probably get another $5-10k more
my job is actually challenging, and I get to do things I enjoy
If my GF gets the Switzerland job, I can stay with her for extended periods of time (I can stay in Switzerland 90 days at a time as a tourist. I can probably fly to neighboring countries, and take a train into Switzerland so my passport doesn't get stamped, so it doesn't look suspicous)
my gf would make $105k

cons:

it would be really shitty of me if my boss goes out of his way to keep me with the company, but a few weeks later I get my Swiss work permit, and I end up quitting
my coworkers are f#cking morons
I would be pretty much living in Switzerland illegally. I don't know what would happen if I got sick or injured. I don't know if my US-based health insurance would cover me.
my boss may not go for it
going back and forth between the US and Switzerland will get old after a while, and would be expensive too
high cost of living, although I think we would make enough to live comfortably

Any thoughts or advice?
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g: 0 Posted By: reset2k
Views: 61 Replies: 0 I got a credit card offer in the mail for the below. You might want to give them a call if you would rather have the $250 CashBack bonus instead of the $100 CashBack bonus that I've linked to.

Capital One Spark Cash Select
Business Visa Credit Card
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http://www.capitalone.com/business-credit-cards/spark-cash-select-rewards/

Considering all things, this is a really good deal for businesses. I just got done applying and instantly got approved for a $20k credit line. My Chase card only has 1% CashBack w/ a $20k credit line. I would call this a good deal if you don't want to hassle with an AMEX card.
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g: 0 Posted By: ctgolfer
Views: 186 Replies: 0 shipping adds $5

Get reliable performance from the AMD A10-5745M quad-core processor
Last longer, use less power, and warm up quicker with the unique 15.6" HD Truelife LED-backlit display
8GB DDR3 memory - For multitasking power
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USB 3.0 has transmission speeds of up to 5 Gbit/s, which is 10 times faster than USB 2.0
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Connect to a broadband modem or router with wired Ethernet, or wirelessly connect to a Wi-Fi signal or hotspot with the built-in 802.11b/g/n wireless connection
Easily link with other Bluetooth-enabled devices, such as a mobile phone or MP3s players
Windows 8.1 makes the things you do every day easier

Warranty:1 Year Dell

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g: 0 Posted By: remick
Views: 73 Replies: 0 http://www.amazon.com/gp/product/B00K199SIA

Want to expertly look after alpacas?

Would you like a step by step guide on raising alpacas? Read through this book and youll discover everything you need to know from

Selecting a healthy alpaca,
associated costs,
housing, husbandry, health and breeding,
plus useful frequently asked questions.

Each section is covered in detail.

Youll also find a breeders directory detailing sites across America, Canada and the UK plus a list of relevant websites.

Discover everything from

Which way the alpaca home should face (and why)
What important things you need to know about worming
What fencing is recommended and what to avoid
How to recognise and more importantly how to prevent some common health problems
And lots lots more
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g: 0 Posted By: ctgolfer
Views: 101 Replies: 0 7.9-inch display

iPad mini is perfectly sized for everything you love to do. And web pages, photos and videos look crisp and sharp on the brilliant display with 1024x768 resolution.

A5 chip
Powerful processing and fast graphics make everything quick, from launching apps to browsing the web. And its power-efficient design delivers up to 10 hours of battery life.2

iSight and FaceTime HD cameras
Shoot beautiful photos and stunning 1080p HD video with the iSight camera. Or make video calls with the FaceTime HD camera.3

Powerful apps included
iPad comes with great apps for sending email, browsing the web, and making video calls. It also includes apps that let you do amazing things with your photos, movies, music, documents, presentations, and spreadsheets.

Over 475,000 apps on the App Store
No matter what you love to do, theres probably an app for that. And because these apps are made specifically for iPad, they take full advantage of its advanced technologies.

Whats in the box
iPad mini
Lightning to USB Cable
5W USB Power Adapter
iOS 7
iOS is even easier to use with features like Control Center, AirDrop, and smarter multitasking. And because its designed for iPad, everything not only looks beautiful, it runs beautifully.

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g: 0 Posted By: Xenocrates
Views: 69 Replies: 0 Roku LT Streaming Media Player (Purple) (2700R) - $36.99 FS@ Amazon

1,000+ entertainment channels
Built-in wireless
One-stop search across multiple top channels
Plays up to 720p HD video
Plays up to 1080p HD video

This is the basic Roku, it DOES NOThave:

Remote with headphone jack
Dual-band wireless (Wi-Fi a/b/g/n compatible)
Motion control for games (Angry Birds Space included free)
5x faster processor
Ethernet, USB & microSD slot

If you want/need those things you will want to get the Roku 2 or 3.

This has 4.4 / 5 stars with 473 customer reviews on the product page.

There aren't any reputable merchants on Google Products for this but here it is for reference.
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How to find good real estate attorney quick / semi FSBO
Added on : Tuesday May 13th 2014 05:00:09 PM
g: 0 Posted By: GermanExpat
Views: 75 Replies: 1 I have a question around selling our house. We are getting our house ready to sell and had picked a Realtor that we were ready to sign a contract with some time later in the week or next week. There were still some small things to be done to get the house ready (some tiles to be replaced, get the clutter out etc.).

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

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

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

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

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

Anything else I should consider?

Also on a side note the realtor did have a 1 week limited agreement. We already had a letter in the mailbox 2 weeks ago and asked him to follow up and signed a limited agreement with him for a couple days to show the house to this potential buyer and 2 of his agent friends had candidates that wanted to see the house as well. One buyer made a lowish offer and we did not accept it and our verbal counter was too high for them. The realtor was kind of pushy to talk us down price wise (ok, no surprise here). They then decided to wait for us to put the house on the market probably hoping it gets closer to their Target price. I don't feel we owe our realtor anything because he didn't have to do any work yet (no MLS listing, no adds etc.) and the limited agreement expired anyway. We are not in a hot area of the country, sales are doing reasonable well and not a huge inventory of houses comparable to ours (and they seem to sell much quicker then last year in our price range). But we were still a bit puzzled to have people show up before we even are ready to sell it. The realtor also kind of tried to low ball our house based on he didn't like our style (our house is quite contemporary and he has a more traditional style preference) and probably also to make it sell quicker (he did use some debatable comps and focused on per square foot price but we have e.g. a lot premium because of the lot location).
g: 1 Posted By: remick
Views: 194 Replies: 1 http://www.amazon.com/dp/B00GIAWDQK

Who Else Wants to Easily Repair and Maintain Their Bicycles At Home, With Tools That Can Be Found Anywhere?

At Last! Everything you ever wanted to know about bike repair - revealed!

Did you ever want to repair your own bicycle at home?
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Here's the thing: repairing your bike is NOT rocket science.

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When you know how to use basic tools like the screwdriver or the wrench, you can learn how to repair a bike like a pro.

What most people don't realize is that maintaining a bike is also extremely easy to do. I know, because...

I've been repairing and maintaining more than five different bikes for over fifteen years!


Here's just a taste of what you'll discover...

You'll discover much more in this rare and candid guide to expert bike repair.
How to winterize your bicycle with these 3 simple techniques...
3 little known, yet simple ways to avoid damaging the braking mechanism...
Secret of expert bike mechanics that few people ever know about...
3 proven steps to better lubrication...
2 simple keys (that are right in front of your eyes) to rust-free hinges and joints...
WARNING: 3 things you should never do when it comes to using antirust agents like WD40...
You'll discover in just a few short minutes how to properly remove a wheel...
6 time tested and proven strategies for lubricating all of the parts of a bike...
When to apply antirust and when to apply machine oil to your bike parts...
7 everyday but often overlooked tips and tricks for preserving your shock system...
A pennies on the dollar approach to preserving the metal frame of a bike...
How often to apply lubrication...
How to properly remove nuts and bolts from tight corners of a bike...
The once famous but forgotten secret that instantly allows you to repair a deformed rim even when you are on the road...
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g: 0 Posted By: MISTERCHEAP
Views: 60 Replies: 0 =12pxAs part of the soccer stuff MCR has going on right now they will let you donate a soccer ball to your school of choice for 0 points if you enter a code after clicking on the promo. Fine print: "1 ball donation per member. Available while supplies last. School must be registered for the My Coke Rewards for Schools program by 7/13/14 in order to receive donated soccer balls."

I know you don't actually get anything but my local schools could always use free things, and my son's school was registered. Seems like a great deal to me!

Here[mycokerewards.com]is the link to the promo page.stephb/sd
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Free Kindle Book- Italy for First Timers
Added on : Sunday May 11th 2014 04:00:16 AM
g: 0 Posted By: remick
Views: 22 Replies: 0 http://www.amazon.com/gp/product/B00I9P0VO8

This book overflows with hands-on, proven techniques for getting the most out of this tripand future trips too! Selecting what to see and do, picking where to stay, where to eat and what to pack, the best guide for making your dream vacation a reality.
Group package tour or devise your own plan? Pros and Cons to help you decide.
Get a great price on airfare and improve your seat assignment before the flight. Find out a few things that reduce hassle with the TSA. Make the flight more comfortable (yes, it can be done!) and much much more.
Gain tools to see through the self-serving marketing on the internet and make your own informed decisions.
Hundreds of good travel ideas, from packing smart to the latest gear on the market to help travelerswearable luggage, neck collars, super-light duffels to name a few.
Jet Lag no more. This really works!
Understanding Italian restaurants: why Americans think they give lousy service, and when you find out why, youll wish we had the same high caliber staff in the US!
The down and dirty scoop on the VAT tax, tourist cards, hotels, trains, subways, sleeping on the plane, and how to use a bidet. An indispensable guide to travel in the 10s.
Time: Your most precious resource. Bring along one small thing weighing about 2 oz.something you probably already ownto safeguard that resource.
This book is your guide to a great time!


also free

Colosseum in Rome - a travel guide and tour as with the best local guide (Rome Travel Stories)
http://www.amazon.com/Colosseum-Rome-travel-Travel-Stories-ebook...

Italy Luxury: Family Hotels & Resorts
http://www.amazon.com/Italy-Luxury-Family-Hotels-Resorts-ebook/d...
g: 0 Posted By: dxulab
Views: 167 Replies: 5 I made an all cash offer on a $240k new construction home to be built. In the builder's counter offer, he wants $3k earnest money deposit to be released to him 15 days after the contract is executed and an additional $9k non-refundable deposit directly to him after final plans are signed. I see this risk on my end, but don't want to back out of the deal yet. What can I write in my counter offer to move things closer to a final agreement and minimize my risks at the same time?
Thanks!
Pyramid Trunk Coffee Table, Mission Oak Finish $114 FS walmart
Added on : Thursday May 08th 2014 02:00:03 AM
g: 0 Posted By: tedhawkins
Views: 135 Replies: 0 Pyramid Trunk Coffee Table, Mission Oak Finish $114 FS WalMart

http://www.walmart.com/ip/Pyramid-Trunk-Coffee-Table-Espresso/12...



Update your living room while creating hidden storage space with the Pyramid Trunk Coffee Table. This stylish wooden coffee table is actually a large trunk. You can open the lid with ease using the provided handles. The spacious interior provides plenty of space to store all your stuff. Keep old newspapers, books, and other things you no longer use in this trunk style coffee table. It is made from MDF with pine veneer. This stylish coffee table with espresso finish adds an elegant touch to your home decor. You can easily assemble this coffee table.
Pyramid Trunk Coffee Table:
Trunk-style coffee table
Espresso stain finish
Black metal hardware
Lid opens for storage
Pine veneer over MDF
Assembly required
Measures: 37.75"W x 20.75"D x 19"H



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TouchDevelop: Programming on the Go - Free Kindle book Reg $24.99
Added on : Thursday May 08th 2014 02:00:02 AM
g: 0 Posted By: sanereddy
Views: 177 Replies: 0 TouchDevelop: Programming on the Go
"The book is great! It's clear and easy to read, with loads of examples that showed my students what to do."

-- Larry Snyder, Emeritus Professor, University of Washington, Department of Computer Science and Engineering

Having the TouchDevelop book available made our events so much easier. Students could figure things out for themselves with help from the book.

-- Jennifer Marsman, Microsoft Principal Developer Evangelist

Mobiledevices such as smartphones and tablets are set to become the main computersthat virtually all people will own and carry with them at all times. And yet,mobile devices are not yet used for all computing tasks. A project at MicrosoftResearch was created to answer a simple question: It is possible to createinteresting apps directly on a smartphone or tablet, without using a separatePC or a keyboard? The result is TouchDevelop, a programming environment thatruns on all modern mobile devices such as Windows Phone, iPhone, iPad, Androidphones and tablets, and also on PCs and Macs.

This book walks you through all of the screens of the TouchDevelop app, and itpoints out similarities and differences of the TouchDevelop language comparedto other programming languages. For users, the book can serve as a handyreference next to the phone. The book systematically addresses all programminglanguage constructs, starting from the very basic constructs such as variablesand loops. The book also explores many of the phone sensors and data sourceswhich makecreating apps for mobile devices so rewarding.

If you are new to programming with TouchDevelop, or if you have not yet workedon touchscreen devices, we suggest that you read the book starting from Chapter1. If you are already familiar with the basic paradigm of the TouchDevelopprogramming environment, then feel free to jump ahead to the later chaptersthat address particular topic areas.

This book is written from theperspective of a person developing their code using a web browser. TheTouchDevelop Web App runs in many modern browsers on many different devicesincluding smartphones and tablets, Macs, PC. All screenshots and navigationinstructions refer to the TouchDevelop Web App running in a browser. ForWindows Phone, there is a dedicated TouchDevelop app in the Windows Phone Storewhich gives access to many more sensors and data sources. Starting with theTouchDevelop app v3.0 for Windows Phone 8, the phone app will share the samelook and navigation structure and all features of the Web App.What youll learn

The little tricks to programming on your mobile devices and for a mobile device
The scripting language and cloud-based ecosystem
Using cameras, video and audio, and other sensors such as a microphone, accelerometer, compass, and gyroscope
Access to the web, authorized access to web services
How to write simple games using a built-in physics engine

Who this book is forThis programming language was written for people who wish tobe able to create apps from their phone. This scenario is particularlyappealing to enthusiastic end-users who own mobile devices and students, whoare the Target audience of this book.
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Free Kindle Book- The Success Manual (was $19.99) other related
Added on : Thursday May 08th 2014 01:00:02 AM
g: 0 Posted By: remick
Views: 65 Replies: 0 http://www.amazon.com/gp/product/B00JL53BN8

The Success Manual Compendium is the Complete Library Collection of the Success Manual Series comprising

Book 1: Success Primer and the 3 Keys to Success
Book 2: The 9 Universal Laws of Success and Success in the 5th Dimension
Book 3: The 42 Secrets of Success

I designed the Success Manual Series to be a complete detailed reference and guide of all things related to Success its philosophies and its attainment.
Throughout the series, you will find principles, ideas, philosophies, examples, thought experiments, step-by-step detailed techniques, esoteric knowledge, practical advice, inspirational stories and quotes, affirmations and motivational words that will help you create your ideal life of success.

Book 1 is divided into 2 main parts: Success Primer and the 3 Keys of Success.

The Success Primer serves as your initiation into the ideologies and philosophies of success. Here you will take a look at who you are and what success is. You will learn what your life is in relation to your success. The nature of reality will be unfolded for you and how it affects the way you have lived your life in the past and how you can change your experience of the future.

All successful people of the past have been in possession of these 3 Keys to Success whether unwittingly or consciously. For reasons that are obvious, compared to those who have not studied and applied the 3 keys to success, your success will be expedited and will be realized with much more intensity. If you consciously make use of the 3 Keys, you will be able take full control of everything you experience and achieve in your life as you shape your life according to your ideal success.

Remember, with the right key, you can unlock the right door.

Book 2 reconciles the ideologies of the ancient philosophies of Metaphysics with the modern theories of Quantum Physics. The book is divided into two main parts; the first presents the 9 Universal Laws of Success and the second discusses Success in the 5th Dimension.

In the first part of the book, philosophies and observations on the nature of reality and the universe is presented as The 9 Universal Laws of Success. These Universal Laws have many different names from many different philosophers and spiritual leaders spanning the history of man. I have incorporated the different names of each of these laws to further assist in your studies in the philosophies of Success.

Part 2 of the book deals with Quantum Physics theories that scientists have presented in the modern era. These theories are extrapolated into thought experiments that overlap perfectly with the profound questions and answers proposed by metaphysics.

In part 2 of Book 2, I present the 3rd, 4th, 5th and 6th Dimensions of reality/ the universe. I discuss what each dimension means, how it operates and how it directly affects your life. I also compare these dimensions and identify which dimension you should align yourself with to realize your ultimate dreams and attain true success in your life.

Follow the 42 Secrets and SUCCESS is yours.

Book 3 is divided into 42 main parts these are the 42 secrets that create success in your life. Being privy of these secrets will allow you to more effectively pursue your dreams to their full realization.

As you study these secrets, know that they have been written down to be as detailed, yet as succinct as possible. I urge you to think about your life as you go through the 42 Secrets. Question what you know.
Question what you have been taught and think for yourself.

Read this book well. It holds within its pages the knowledge you seek.

What you will learn in this book will allow you to realize that the success you desire is within your reach. It doesnt matter if youre young or old, educated or not, rich or poor what matters is that you have the desire to be successful. With this desire, you are already moving towards your ideal life of success.



also free

Standing Accountable: Increase Your Success by Holding Yourself Responsible
http://www.amazon.com/gp/product/B00GUS3LXY/

Goal Setting: 21 Days To Achieving Life Changing Goals And Being Happy Happy Happy (Goal Setting Success Series)
http://www.amazon.com/gp/product/B00HUZE2TI

Focused, Unstuck and Back in Action. The Secrets for Happiness and Improving Your Life No Matter What!
http://www.amazon.com/gp/product/B00HHYU5VG

A Guide to The Present Moment
http://www.amazon.com/gp/product/B00ADDTAA0

Getting Things Done: 25 Best Ways to Getting Things Done
http://www.amazon.com/gp/product/B00CIWRV1O/

How to Make a Difference: in Your Life in 40 Days
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Views: 121 Replies: 0 shipping adds $5

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Oboz Luna Hiking Shoe - Women's $87.98 FS @ campmor
Added on : Monday May 05th 2014 05:00:05 AM
g: 0 Posted By: tedhawkins
Views: 59 Replies: 0 Oboz Luna Hiking Shoe - Women's $87.98 FS @ Campmor

http://www.campmor.com/outdoor/gear/Product___17347

The Oboz Luna Hiking Shoe will help you get an extra mile (or three) on the trail. Its lugs and high traction rubber propel you up the trail while the TPU shank and EVA midsole reduce trail impact and foot fatigue. Highly abrasion resistant yet breathable mesh keeps things cool. Synthetic leather overlays shrug off brush and rocks while keeping your feet snugly centered over the supportive BFit Deluxe insole.

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Paid off Grad School Loans, Now What?
Added on : Saturday May 03rd 2014 12:00:06 PM
g: 0 Posted By: madcowdisease
Views: 150 Replies: 2 Long story short, I was able to say bye-bye to my student debt earlier this month. My monthly payment was a bit short of $500. In the short term that will go into building my emergency fund, but my question is what I can do with the cash going forward.

A few things:
-Only other debt is ~$13 K auto @ 1.49% (thanks for tipping me off to this rate, FWF!) - contemplating paying this off, but the interest rate being so low...
-I max out my 401(K) and Roth contributions annually.
-No HDHP insurance, so no HSA
-No children, so 529 doesn't seem appropriate
-No house, I am planning on leaving current city in < 1 yr
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British debt collection practices
Added on : Friday May 02nd 2014 01:00:10 PM
g: 0 Posted By: tuphat
Views: 82 Replies: 0 FWIW -- I recently had occasion to learn about debt collection practices in the UK. I was pretty shocked at how aggressive their "bailiffs" are allowed to be in pursuing repayment of unsecured debt. Some explanatory material below, and some links to additional stuff at the end.

A bailiff is someone who has a legal power to collect certain debts. They may do this by asking you to pay what you owe, or by taking and selling your belongings to raise the money.

If you owe money, a bailiff may visit your home to see if anything you own can be sold to pay the debt. Any money raised from selling belongings is used to pay the bailiff's fees and charges as well as the debts you owe.

Bailiffs are only normally used when the people you owe money to, also known as creditors, have tried other ways to get you to repay your debt. You will normally get a warning that your creditors are considering using bailiffs to get you to repay your debt. If you haven't already contacted your creditor, this is the time to do so. By discussing your problems paying the debt you owe, you may be able to come to an arrangement with your creditor and avoid bailiff action altogether.

What bailiffs can and cant take
If you let a bailiff into your home, they may take some of your belongings to sell.
Bailiffs can take luxury items - eg a TV or games console.
They cant take:things you need - eg your clothes, cooker, fridge, furniture or work tools;someone elses belongings - eg your partners computer.
Youll have to prove that someone elses goods dont belong to you.

What bailiffs can charge
Bailiff fees are fixed. In most cases, if you owe less than 1,500 the fees are:
75 when your case is sent to the bailiff
235 if you ignore a letter from bailiffs and they have to visit you
110 if they have to take your goods and sell them at auction
Youll still have to pay the bailiff for any action they take against you - like storing your goods or using a locksmith.

If you owe more than 1,500 youll also have to pay a percentage of your debt as an additional fee each time bailiffs visit your home.

http://www.bbc.com/news/uk-26876432
http://www.citizensadvice.org.uk/index/campaigns/current_campaig...
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g: 0 Posted By: ctgolfer
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Added on : Thursday May 01st 2014 09:00:04 AM
g: -1 Posted By: acrocasta
Views: 203 Replies: 0 Gifts from $0.99 @artscow, go to this linkand use codeZ099PLAYVX76J@checkout
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g: 0 Posted By: ctgolfer
Views: 77 Replies: 0 Product Information
Capture all your special moments with the Canon EOS Rebel T3/1100D DSLR camera and cherish the memories over and over again. With 12.2 MP CMOS sensor and DIGIC 4 image processor, this DSLR camera lets you take smooth, detailed, and high-quality images. The 2.7-inch monitor on this Canon 12.2 MP camera makes it easy to view photos, read menu, and compose shots. With a high ISO sensitivity (up to 6,400), the Canon EOS Rebel T3/1100D captures clear photos even in low-light conditions. Plus, the 720p HD movie recording with manual exposure control makes this Canon 12.2 MP camera a good choice for professional photographers. All things considered, this Canon 12.2 MP camera, with an EF-S IS II 18-55 mm lens, aims to be a great travel companion.

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Mortgage servicer fails to pay property taxes
Added on : Thursday May 01st 2014 02:00:07 AM
g: 0 Posted By: okwiater
Views: 80 Replies: 1 My mortgage servicer maintains an escrow account for property taxes and homeowners insurance. I received a copy of my 2012 property tax bill in July of 2013 from the county, and called them on July 27 to ensure they had received and would pay it. They said they would. Fast forward to April of 2014. I received a notice from the county on April 10 informing me that due to an unpaid tax bill they would move to place a tax lien on the property by May 1, and the lien would be auctioned on May 15. I called the lender that same day and informed them of the notice. They requested that I fax the bill to them, which I did that same day. On April 21, I checked with the county and determined that the bill had not yet been paid. So I called the servicer again and they informed me that they were actively engaging with my county's tax office and that the bill would be paid within "a few days." On April 28, I checked with the county again and determined that the bill had still not been paid. So I called the servicer yet again and they promised the issue would be escalated and the bill would absolutely be paid by April 30. Much to my surprise, I received an e-mail from them confirming that the bill had been paid and the funds deducted from escrow. Today, I checked with the county again and the bill is still unpaid. Also, since it is a new month, additional interest as well as a tax lien fee has been added to the account. My guess is the lender put the payment in the regular mail, and now the amount they sent won't be sufficient to cover the outstanding balance.

What should I do here? Obviously I'm not going to let the tax lien be auctioned and will resolve any outstanding balance before the 15th from my own pocket; however, I'm pissed about the lender's negligence having racked up $400 in interest and fees. The ideal scenario would be for the lender to reimburse the interest and fees, as well as to get the escrow removed from my mortgage. Do I have any leverage (under RESPA or any other consumer protection laws) to force the issue? Or are these things generally written in such a way that even their failure to pay the bills from my escrowed funds is somehow not a breach of contract or statute?

Note: I have made every one of my mortgage payments on time since the inception of the mortgage.
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g: 0 Posted By: ctgolfer
Views: 109 Replies: 0 HP Envy 700-230QE Desktop, Intel Core i7-4770 3.4 GHz Quad-Core, NVIDIA GeForce GT640 4GB, 32GB DDR3, 1TB SATA, BD-ROM, Win8.1

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The front-panel multimedia card reader makes it easy to transfer photos, music, and other files to and from your digital camera and other peripheral devices
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Owner Financing and Mortgage Servicer
Added on : Wednesday April 30th 2014 09:00:18 AM
g: 0 Posted By: NetComrade
Views: 56 Replies: 0 Good Day.

I am considering buying a property and asking owners for owner financing to speed up possession of the property.
The property requires some up-front investment, hence, I'd rather not rent it until financing.

Question #1, what is the most favorable to the buyer type of owner financing while still protecting the seller? (e.g. no lease purchase agreement).

Question #2: is there an inexpensive service company anyone can recommend?

Any other things to consider?

Thanks
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Views: 788 Replies: 2 shipping adds $5

23" IPS Widescreen WLED backlit anti-glare 1920 X1080 16:9 aspect ratio display
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Two USB 3.0 ports and 4 USB 2.0 ports for plenty of connectivity for your USB devices
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g: 0 Posted By: ctgolfer
Views: 139 Replies: 0 23" IPS Widescreen WLED backlit anti-glare 1920 X1080 16:9 aspect ratio display
Get reliable performance from the AMD E2-3800 quad-core accelerated processor
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500GB SATA hard drive has plenty of space to store your digital albums, music library and rich media files
Enhanced viewing with the integrated AMD Radeon HD 8280 graphics
Two USB 3.0 ports and 4 USB 2.0 ports for plenty of connectivity for your USB devices
SuperMulti DVDRW drive watch movies on your computer; read and write CDs and DVDs in multiple formats
The side-panel multimedia memory card reader makes it easy to transfer photos, music, and other files to and from your digital camera and other peripheral devices
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ContourROAM2 Waterproof Action Full HD Camcorder $159.99 @ Woot
Added on : Tuesday April 29th 2014 08:00:02 PM
g: 0 Posted By: ctgolfer
Views: 0 Replies: 0 shipping adds $5

Locking Instant-On Record Switch
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g: 0 Posted By: remick
Views: 125 Replies: 0 http://www.amazon.com/dp/B00JSO52SO

Second Edition: Updated and Expanded. Over 40 new pages added!
______________________________________________________

Most people think owning a saltwater aquarium is rocket science, but in truth it is extremely easy. All you need are some basic steps.

Through simple practices you can not only own a beautiful saltwater aquarium, but you can grow some of the strangest and most colorful life on earth inside the privacy of your home or office. This mini-ecosystem is your window into a strange world below the waves.

In this book we will dive into the depths of saltwater aquarium maintenance. You will be walked through the ins and outs of owning and maintaining a saltwater aquarium. It will start with your decision to purchase and end with an amazing reef or fish only tank that will stun almost anyone.

If you are considering or have made the decision to acquire a saltwater aquarium this book will save you countless headaches and hundreds if not thousands of dollars. The things you will learn in this text can shock and amaze even the most advanced hobbyist.

There is so much information out there dont waste your time digging to find the answers. Grab the answers right here where I have laid them out for you. Not only do I have countless years of experience as a hobbyist, I also have experience as a store owner helping hobbyist daily.

"Patience is probably the single most important thing right behind water quality, flow, and lighting. This hobby does not start out fast and can very easily turn for the worst if you dont take your time. Dumping money into a saltwater aquarium before you know what is going on inside the glass walls is very dangerous financially and for the livestock. It takes time to build a happy reef."

"Setting up the aquarium is very simple, but first we are going to discuss the cycle. I want to talk about this first because most people will skip it and it should NOT be skipped. This is where most people lose the majority of money in this hobby and quit. Trust me when I say this section is important. I will make it as easy as possible.

The aquarium cycle is basically setting up a biological filter for the tank. Saltwater aquariums cant survive without adequate filtration. Biological filters take what is in their surroundings and purify it for use by the life in the ecosystem. Everything in the contained system is part of the biological filtration. From amoebas to human beings we are all part of the cycle of the large biological filter we call earth.

Okay, so what does this have to do with the aquarium cycle you might ask? Simply put, your aquarium"

- Passages like these offer insight into a wealth of heartache and money saving information packed in these pages.

This book is going to save you a lot of time and money. If you want to learn a lot in a short period of time, download this book right now.
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g: 0 Posted By: lonestarguy
Views: 177 Replies: 0 I purchased another weather radio a few years ago, also a Midland, but stopped using it due to frequent Amber Alerts from cities 200 miles away at 3am. . This model allows you to select the types of events that may impact you like tornados, blizzards, etc and silence things like avalanche warnings, amber alerts, etc. You can further narrow down alerts to just your county too. This model gets good reviews and is quite a bit more elsewhere. As I really only care about flash flooding and tornadoes (and value my sleep and my safety) I bought one tonight. If you have an older model and find you usually have it off, it might be time to consider an upgrade. Perhaps it might even safe your life.

B&H doesn't collect tax in most states and shipping is free.

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Advise on offer for Single Family Vs Townhouse
Added on : Tuesday April 29th 2014 01:00:06 AM
g: 0 Posted By: samandy
Views: 99 Replies: 3 Hi Gurus,

What are your thoughts on Northern VA homes for below comparison both homes are within 3 miles in same city. Just want to get general idea that if single family homes are better for good neighborhoods? My main concernis there is no basement in single family home and it needs some work, otherwise I like it.I have not included everything as many things are same. Thanks for your input!


Single Family Town House ZIP Same Same Schools 10 10 Transportation Almost Same Almost Same Lot size 6000 Sq feet 1500 Sq Feet Price Same Same Needs works 15-20 K No Age 30 20 Basement No(but family room and loft) Rec Room Levels 2 3 Garage Y Y Rooms 3 3 Washrooms 2+1 2+2

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Tracfone ZTE Valet @ target $50, Android on a per minute plan
Added on : Monday April 28th 2014 10:00:05 PM
g: -1 Posted By: jeffmd
Views: 181 Replies: 1 So my parents are users of tracfones cause they rarely use them, but they also don't have access to a GPS or money saving apps like targets cartwheel and text message coupons with the usual crap phones. For the longest time per minute pre pay plans did not have android, as the data part of the plan was non existent or just expensive and fed off your pool of minutes. For a little while now things have changed, and not only did tracfone start to offer some android phones, but they significant improved their plans to handle them giving you a separate pool for data, and matching you megabytes to how many minutes you purchase. I noticed on sunday that Target had an android 4.1 tracfone on sale for $49, $50 off the full price (although the online price is $79). So I picked it up for them.

It is not an exciting phone and continues tracfones tradition of having the worst screens ever (not washed out, but not a whole lot of color vibrance and the view angles are atrocious) and web browsing would leave me frustrated. Also it simply would not stream youtube videos smoothly. But it is android 4.1, apps installed and loaded smoothly, tons of cheap cases for it on Amazon, and all in all fairly functional. And at $50 it is one of the cheapest options for the pay by the minute carriers.
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g: 1 Posted By: ctgolfer
Views: 653 Replies: 1 shipping adds $5

Get reliable performance from the Intel Core i5-4440S quad-core processor
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SuperMulti DVDRW drive watch movies on your computer; read and write CDs and DVDs in multiple formats
The front-panel multimedia card reader makes it easy to transfer photos, music, and other files to and from your digital camera and other peripheral devices
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German Car Rental Agency Debt Collection
Added on : Monday April 28th 2014 06:00:07 AM
g: 1 Posted By: feuertier
Views: 202 Replies: 6 TLDNR:
What can I do if a debt collector is on my back for alleged damage to a foreign rental vehicle?

Details:
I rented a car in 2012 while in Germany. After I returned to the USA, they apparently sent me multiple claims that I owed them USD 700 for engine damage, claiming the Diesel car was filled with non-Diesel fuel. I recently found this out because a USA-based debt collector contacted me telling me to pay, and I used the Consumer Financial Protection Bureau "needs more information" template to request more information (within the initial 30 days). According to their own documentation, the rental agency sent me two letters in German, then three letters in English. I remember the letters, because, after opening the first German letters (which I couldn't comprehend, and didn't think were important), I just threw everything away as they came, thinking I got on some (accidental?) mailing list. After the initial request for more information, it took me time to try and dig up old travel receipts and research, and the debt collection agency has sent me another letter telling me to respond in 10 days.

I have a single receipt from the trip showing I paid for Diesel at one gas station. However, I do not have the receipt for the gas station in the city I returned it in. Accidents happen, but I've traveled in Germany before, and I think it is unlikely I made this kind of mistake. However, I can't prove it. I really don't want to pay USD 700 to end it, but I am concerned about if this can be reported to credit agencies or cause me other problems if I officially dispute it or ignore it. I would be willing to settle, if it looks like they can give me a lot of grief and eat up a lot of my time trying to fix things.

Has anyone else had a similar state-side or foreign situation? How did it get resolved? What would you advise?

Edit: Unfamiliar with how to stop the links.
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Patriot Stellar 64GB USB 3.0 and OTG Flash Drive $28.99 Newegg
Added on : Monday April 28th 2014 05:00:08 AM
g: 0 Posted By: F123456
Views: 150 Replies: 0 Free Shoprunner shipping, or $0.99

Great for those who got the Samsung Galaxy Note 3 or Note 8, or others with devices that support micro-USB OTG, including the Nexus 7.This is a 64GB USB 3.0 flash drive, and it also has a connecto for micro-USB OTG -- so you can copy stuff from a laptop/desktop to the drive, and from the drive straight to your OTG-supported device (most Androids, for example, some of the Dell Venue tablets, etc); no extra cables or things to lose.

Newegg 64GB

The 32GB version is $1 more at Newegg.

$38.99 ($10 more) on Amazon; 4+ Stars.
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g: 0 Posted By: ctgolfer
Views: 143 Replies: 0 shipping adds $5

Get reliable performance from the Intel Core i5-4440S quad-core processor
12GB DDR3 memory For multitasking power, expandable to 16GB
1TB SATA hard drive has plenty of space to store your digital albums, music library and rich media files
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SuperMulti DVDRW drive watch movies on your computer; read and write CDs and DVDs in multiple formats
The front-panel multimedia card reader makes it easy to transfer photos, music, and other files to and from your digital camera and other peripheral devices
Windows 8.1 makes the things you do every day easier

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Tracking Business Expenses (Receipts/Invoices) For Audit Purposes
Added on : Sunday April 27th 2014 08:00:11 PM
g: 0 Posted By: robronson
Views: 21 Replies: 0 I've been looking around on different computer software forums with little success for a good solution on how to track business expenses. I would think things are much easier now that smartphones allow us to easily snap a picture of a receipt but I can't seem to find a good solution. I run a Mac on my personal computer and a PC at work. I'd prefer to do this on the Mac and iPhone if possible because usually an iPhone app will sync with a Mac version counterpart and my Mac is smaller/lighter so I use it more.

I want to be able to take a picture of a receipt, tag it with metadata like "food" or "dry cleaning" or whatever custom metatag I want to give it. I want to tag it with a client name like Client A, Client B, etc, also as a form of metadata. Ideally I could query it and pop out total cost of food expenses for the year for all clients, or total food per Client B, or total food between April and June, etc.

Right now I'm just snapping pictures using a PDF generator scanner app on the iPhone and on a weekly basis when I send off the receipts to the customer, I snap all the pictures at once into a single PDF and that's my week's expenses for Client A. Then I fill out a spreadsheet that the consulting firm uses that has the date, expense type, expense name, and amount. I send off the spreadsheet and the PDF and I'm good to go for the week.

The problem is I am basically a free agent that can go between various consulting firms every few months to serve as the intermediary and each has a different process. If I'm audited in 2 years, I'd hate to try to prove to the IRS that 30% of my weekly 1099 money was client-reimbursable expenses by busting out terribly organized PDFs and random spreadsheets in different formats. It wouldn't be terrible, but it would be messy and I believe if I was organizing things correctly the first time around there would be minimal added overhead up front but huge stress savings in the event of an audit. Also, I may decide to do all-expense (non-reimbursable) gigs in the future (I know it's a dumb idea for 99% of cases, but who knows) and being able to query old expenses in a logical way could help me estimate my costs.

I'm writing this post for two reasons:

1) Are there any good systems that handle this for an individual sole proprietor/small business?

2) What best practices do the financial wizards on here have regarding such tracking? This isn't a question I can ask on a software forum because those guys aren't crown vic driving badasses like the members on FWF. I may just wind up saving everything to PDFs organized in various folders with clever names to identify the client/trip. And then using Google Docs Spreadsheet with special tabs built out to handle tracking things. That gives me cloud backup as well. Seems like a dirty way to do it but if no good pre-made options exist, I'll go this route. If I do, what kinds of discrete data do I want to be able to query/track that I haven't considered?
Question Deals
A $500 Gift Card that has password protection.
Added on : Sunday April 27th 2014 06:00:12 AM
g: 0 Posted By: DogFather
Views: 38 Replies: 0 TCs (Travelers checks) are difficult at best to get cashed. They are not what
they used to be. I was thinking if a GC (Gift Card) with password protection,
would be safe. Anyone know of such a GC. TD Waterhouse has one, but
only for customers. So, I would have to open an account. MasterCard has
them, but only up to $100. So, if you pay $4 plus tax, that is a 4% loss up
front. I wouldlike to be able to buy $500worth at least. Cost is then closer
to 1%.

My bank does not sell GCs....period. When done with a trip, you can't deposit
money back into an account. But, you could spend it on other things. Anyone
know of such a GC, that anyone can buy. I would
g: 0 Posted By: ctgolfer
Views: 124 Replies: 0 shipping adds $5

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Lowe Alpine AirZone 30 XL Backpack $118.95 @ sunnysports
Added on : Friday April 25th 2014 07:00:01 PM
g: 0 Posted By: tedhawkins
Views: 0 Replies: 0 Lowe Alpine AirZone 30 XL Backpack $118.95 @ SunnySports


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[Kindle] Top 100 Free Nonfiction Books from January to April 2014
Added on : Friday April 25th 2014 06:00:06 PM
g: 2 Posted By: neomio
Views: 230 Replies: 1 All the books are extracted from the Free eBooks for Kindle app (available in Google Playor Amazon App Store) for the period from January to April 2014.
All the books are checked to be free at the time of posting.
Please double-check the price before you buy.

1. When God Whispers Loudly (Terreldor Press Shorts)
by Chris M. Hibbard
Rating: 4.4/5 by 2034 reviews
Link: http://www.amazon.com/dp/B006P5CH1O

2. Kindle Buffet: Find and download the best free books, magazines and newspapers for your Kindle, iPhone, iPad or...
by Steve Weber
Rating: 3.9/5 by 946 reviews
Link: http://www.amazon.com/dp/B00916SHVI

3. The Universe Doesn't Give a Flying (Profanity) About You (Epic series)
by Johnny Truant
Rating: 4.2/5 by 448 reviews
Link: http://www.amazon.com/dp/B005OMBTKY

4. Untraceable (#1, Nature of Grace teen thriller series)
by S. R. Johannes
Rating: 4.3/5 by 256 reviews
Link: http://www.amazon.com/dp/B0069Z9A74

5. All My Love, Detrick: A Historical Novel Of Love And Survival During The Holocaust
by Roberta Kagan
Rating: 4.5/5 by 194 reviews
Link: http://www.amazon.com/dp/B007A19V84

6. Mountain Angel (Northstar Angels)
by Suzie O'Connell
Rating: 4.1/5 by 193 reviews
Link: http://www.amazon.com/dp/B0083PN2QI

7. The Mystery of the Missing Money (The Mystery Series, Short Story 1)
by Paul Moxham
Rating: 4.3/5 by 189 reviews
Link: http://www.amazon.com/dp/B0083E6LBM

8. The Daddy Pact ( Coach's Boys)
by Kristy K. James
Rating: 4.3/5 by 185 reviews
Link: http://www.amazon.com/dp/B006G66YTS

9. Sophie's Secret (Whispers)
by Tara West
Rating: 4.6/5 by 176 reviews
Link: http://www.amazon.com/dp/B0068TLK5G

10. Guitar Adventures: A Fun, Informative, and Step-By-Step 60-Lesson Guide to Chords, Beginner & Intermediate Levels...
by Damon Ferrante
Rating: 4.7/5 by 156 reviews
Link: http://www.amazon.com/dp/B0097GFR06

11. Shep Dreams Of Home
by Jason Matthews
Rating: 4.2/5 by 155 reviews
Link: http://www.amazon.com/dp/B0057XVAJU

12. NCLEX-RN Content Review Guide
by Kaplan
Rating: 4.3/5 by 151 reviews
Link: http://www.amazon.com/dp/B00IO4KUB8

13. NCLEX-RN Content Review Guide
by Kaplan
Rating: 4.3/5 by 151 reviews
Link: http://www.amazon.com/dp/B00II994E8

14. Deadliest Cast Member - Disneyland Adventure Series - EPISODE ONE (Jack Duncan) (SEASON ONE)
by Kelly Ryan Johns
Rating: 4.3/5 by 140 reviews
Link: http://www.amazon.com/dp/B00A94DEYG

15. How to Start a Successful Blog in One Hour (Better Blog Booklets)
by Steve Scott
Rating: 4.1/5 by 137 reviews
Link: http://www.amazon.com/dp/B00C2CH3MM

16. They Met At Shiloh (#1 in The Shiloh Series)
by Phillip Bryant
Rating: 3.8/5 by 135 reviews
Link: http://www.amazon.com/dp/B005FCAIDW

17. His First, Her Last: The Incredible True Story of an American Lost in the Philippines
by Jonathan Sturak
Rating: 2.9/5 by 134 reviews
Link: http://www.amazon.com/dp/B00EY8BASK

18. Survival Guide for Beginners
by Vitaly Pedchenko
Rating: 3.7/5 by 115 reviews
Link: http://www.amazon.com/dp/B00ALUMW96

19. 12 Health and Fitness Mistakes You Don't Know You're Making (The Build Muscle, Get Lean, and Stay Healthy Series...
by Michael Matthews
Rating: 4.2/5 by 106 reviews
Link: http://www.amazon.com/dp/B008XPBXXW

20. Blue Fall (The Tournament, #1)
by B. B. Griffith
Rating: 3.9/5 by 105 reviews
Link: http://www.amazon.com/dp/B005NC01OK

21. Skeeter: A Cat Tale
by Anne L. Watson
Rating: 3.8/5 by 99 reviews
Link: http://www.amazon.com/dp/B004I1KRUU

22. Defender: The Sanctuary Series, Volume One
by Robert J. Crane
Rating: 4.2/5 by 85 reviews
Link: http://www.amazon.com/dp/B0057OAXQ0

23. Everyday Vegetarian Family Cookbook: 100 Delicious Meatless Breakfast, Lunch and Dinner Recipes you Can Make in...
by Vesela Tabakova
Rating: 4.1/5 by 83 reviews
Link: http://www.amazon.com/dp/B00G4CEY46

24. 20 Things I've Learned as an Entrepreneur
by Alicia Morga
Rating: 4/5 by 83 reviews
Link: http://www.amazon.com/dp/B007ND93EQ

25. 8 Different Crochet Stitches: Learn to Crochet Something New with Crochet Patterns
by Prime Publishing
Rating: 3.9/5 by 76 reviews
Link: http://www.amazon.com/dp/B00IDC8QBC

26. Maximum Muscle: The No-BS Truth About Building Muscle, Getting Shredded, and Staying Healthy (The Build Muscle...
by Michael Matthews
Rating: 3.7/5 by 76 reviews
Link: http://www.amazon.com/dp/B009ZBY1XM

27. Muscle Meals: 15 Recipes for Building Muscle, Getting Lean, and Staying Healthy (The Build Muscle, Get Lean, and...
by Michael Matthews
Rating: 4.2/5 by 71 reviews
Link: http://www.amazon.com/dp/B009ZKSGXE

28. Number FOUR World Facts (Knowledge Book Series) (Boosting Brain Power) (Age 4-10)(Bedtime & Dreaming)
by TheBrothers
Rating: 3.8/5 by 71 reviews
Link: http://www.amazon.com/dp/B00H3PXQVU

29. Marketing In Less Than 1000 Words (Reactor15 Briefings)
by Rob Burns
Rating: 3.9/5 by 70 reviews
Link: http://www.amazon.com/dp/B008EJOBH2

30. Fit is the New Skinny: The No-BS Truth About Getting Thinner, Leaner, and Stronger (The Build Muscle, Get Lean...
by Michael Matthews
Rating: 3.7/5 by 70 reviews
Link: http://www.amazon.com/dp/B009ZKMKRM

31. Disobey (Epic series)
by Johnny Truant
Rating: 4.2/5 by 66 reviews
Link: http://www.amazon.com/dp/B005OLSNOK

32. Lifehacks: 63 Ways to Save Money, Improve Time Management, Produce Great Work, and Increase Productivity (Guides...
by Scott Britton
Rating: 4.6/5 by 63 reviews
Link: http://www.amazon.com/dp/B00JMGEFPY

33. Contamination Prequel (Post-Apocalyptic Zombie Series)
by T.W. Piperbrook
Rating: 3.8/5 by 61 reviews
Link: http://www.amazon.com/dp/B00ADEJGNK

34. The Action Bible Easter Story (Action Bible Series)
by Doug Mauss
Rating: 4.5/5 by 59 reviews
Link: http://www.amazon.com/dp/B00IK7X4MQ

35. Garden Guide - A No Nonsense, No PhD, No Fuss Guide to Great Gardens with Hand-Holding How To's for Beginners...
by Sarah Olver
Rating: 4.5/5 by 48 reviews
Link: http://www.amazon.com/dp/B00CQSPNLK

36. How to Write a Great Query Letter: Insider Tips and Techniques for Success
by Noah Lukeman
Rating: 4.5/5 by 42 reviews
Link: http://www.amazon.com/dp/B002HRF7WK

37. Hearty Soups: A Collection of Homemade Soups
by Dennis Weaver
Rating: 4.3/5 by 40 reviews
Link: http://www.amazon.com/dp/B00ICS9TTA

38. You are dying, and your world is a lie (Epic series)
by Johnny Truant
Rating: 4.2/5 by 40 reviews
Link: http://www.amazon.com/dp/B007HTV5MY

39. What in the world do I need a Life Coach for??? The reasons why having a life Coach can save your life
by Christopher Pinckley
Rating: 3.8/5 by 38 reviews
Link: http://www.amazon.com/dp/B007B2SFYI

40. Kombucha Simplified: The ultimate guide to kombucha tea, its health benefits, and how to brew at home.
by Deep Cove Publishing
Rating: 3.9/5 by 37 reviews
Link: http://www.amazon.com/dp/B00E36IJ3C

41. The No-BS Guide to Workout Supplements (The Build Muscle, Get Lean, and Stay Healthy Series)
by Michael Matthews
Rating: 3.8/5 by 37 reviews
Link: http://www.amazon.com/dp/B00DYENU38

42. Which Mac Should I Buy?
by Apple Sliced
Rating: 4.3/5 by 36 reviews
Link: http://www.amazon.com/dp/B007EG6SRC

43. Mahatma Gandhi and His Myths: Civil Disobedience, Nonviolence, and Satyagraha in the Real World (Plus Why It's...
by Mark Shepard
Rating: 3.6/5 by 35 reviews
Link: http://www.amazon.com/dp/B001AV3WWG

44. Getting Started with AWS: Deploying a Web Application
by Amazon Web Services
Rating: 3.8/5 by 32 reviews
Link: http://www.amazon.com/dp/B00I5UDMOS

45. Four Seasons of Creative Writing: 1,000 Prompts to Stop Writer's Block
by Bryan Cohen
Rating: 4.2/5 by 31 reviews
Link: http://www.amazon.com/dp/B009GLMF7U

46. What's Done in The Dark: Season 1
by Solae Devhine
Rating: 4.1/5 by 31 reviews
Link: http://www.amazon.com/dp/B004V0CMOW

47. Minecraft Comic Book: Journey to Minecraft (CreeperSlayer12 series, Part 1)
by Minecraft Comics
Rating: 3.6/5 by 30 reviews
Link: http://www.amazon.com/dp/B00ISE0HC6

48. Free Sewing Patterns for Spring Fashion: 8 DIY Sewing Projects
by Prime Publishing
Rating: 3.5/5 by 30 reviews
Link: http://www.amazon.com/dp/B00IPK61IM

49. Minecraft: Lore of HEROBRINE - A Minecraft Novel (The Founding Fathers of Minecraft, Part 1)
by Minecraft Books
Rating: 4.9/5 by 29 reviews
Link: http://www.amazon.com/dp/B00HTQB598

50. How to Remove Negative Beliefs and Free Your Mind
by Nigel Paul Miller
Rating: 4.1/5 by 29 reviews
Link: http://www.amazon.com/dp/B00AK00F1Y

51. Baking in Your Skillet: A Collection of Skillet Recipes
by Dennis Weaver
Rating: 3.5/5 by 28 reviews
Link: http://www.amazon.com/dp/B00ICS9HR4

52. How to Land (and Keep) a Literary Agent
by Noah Lukeman
Rating: 4.3/5 by 27 reviews
Link: http://www.amazon.com/dp/B003Z9JOXC

53. 4 KEYS GOLF - HOW TO BREAK 90 (An Easy Way to Lower Your Scores, Make Every Shot Count & Enjoy Golf More Without...
by Andy Chao
Rating: 4.1/5 by 26 reviews
Link: http://www.amazon.com/dp/B00BZ96KX6

54. Shut the (Profanity) Up and Create Your (Profanity) Art
by Garrett Robinson
Rating: 4.1/5 by 26 reviews
Link: http://www.amazon.com/dp/B00C83JL1G

55. 11 Sewing Room Ideas: How to Organize Your Room
by Prime Publishing
Rating: 3.3/5 by 25 reviews
Link: http://www.amazon.com/dp/B00IDDFFII

56. Knock 'em Dead Secrets & Strategies for First-Time Job Seekers
by Martin Yate
Rating: 4.8/5 by 23 reviews
Link: http://www.amazon.com/dp/B00J08H0OW

57. Self help book: Influence and Lead ! Fundamentals for Personal and Professional Growth (Personal Growth)(The Leadership...
by Michael Nir
Rating: 4.5/5 by 22 reviews
Link: http://www.amazon.com/dp/B00E82614K

58. How To Survive Living Abroad: An Expatriate Guide to Not Getting Robbed, Scammed, Jailed, or Killed (English Teacher...
by English Teacher X
Rating: 3.8/5 by 22 reviews
Link: http://www.amazon.com/dp/B0073W5SJ6

59. How to Write More Words More Easily (Fiction Writing HELP)
by Terrance Field
Rating: 4.8/5 by 21 reviews
Link: http://www.amazon.com/dp/B00HGY92M0

60. Circle of Friends Cookbook - 25 Bacon Recipes
by Gooseberry Patch
Rating: 4.2/5 by 21 reviews
Link: http://www.amazon.com/dp/B00IMLJ4V0

61. Great Tips To Help You Save Money And Get Out Of Debt - Money saving tips (a debt-free book)
by Mike C. Adams
Rating: 3.7/5 by 21 reviews
Link: http://www.amazon.com/dp/B00H9C6XNU

62. Options Trading For Beginners: How To Get Rich With Stock Options Trading (Options Trading Strategies, Options...
by Devon Wilcox
Rating: 4.6/5 by 20 reviews
Link: http://www.amazon.com/dp/B00JFKWDR4

63. A Baker's Guide to Chocolate: A Collection of Recipes and Useful Information
by Dennis Weaver
Rating: 4.1/5 by 20 reviews
Link: http://www.amazon.com/dp/B00ICSF994

64. 101 Facts... Cats! Cat Books for Kids - Amazing Facts, Photos & Video Links. (101 Animal Facts)
by IP Factly
Rating: 4.9/5 by 19 reviews
Link: http://www.amazon.com/dp/B00HWWVL2A

65. Team: Six Secrets of Powerful Teams , A practical guide to the magic of motivating and influencing teams (Project...
by Michael Nir
Rating: 4.4/5 by 19 reviews
Link: http://www.amazon.com/dp/B00DUW6QUS

66. Going Shogun
by Ernie Lindsey
Rating: 4.1/5 by 19 reviews
Link: http://www.amazon.com/dp/B0086QDE9Y

67. Craft Pricing Power - 12 Proven Pricing Principles For Small Business Marketers
by Jason G. Miles
Rating: 4.9/5 by 18 reviews
Link: http://www.amazon.com/dp/B00I1OUI0O

68. Be Thankful for the Little Things; Fun Rhymes and Pictures to Teach Children about Gratitude (Rhyming Serice)
by Louise Folger
Rating: 4.3/5 by 18 reviews
Link: http://www.amazon.com/dp/B00FR6E3GY

69. Garden Design and Landscaping - The Beginner's Guide to the Processes Involved with Successfully Landscaping a...
by Rachel Mathews
Rating: 3.1/5 by 18 reviews
Link: http://www.amazon.com/dp/B00IGSMYHK

70. Self Discipline: Increase Your Willpower- Maximize Your Influence- Get Things Done The Smart Way (increased self...
by Ace McCloud
Rating: 4.9/5 by 17 reviews
Link: http://www.amazon.com/dp/B00HOZJICA

71. 101 Healthy Vegan Desserts (Cakes, Cookies, Muffines & Ice cream Vegan Recipes) (Quick & Easy vegan recipes)
by Daniel Nadav
Rating: 4.4/5 by 17 reviews
Link: http://www.amazon.com/dp/B00HS4B3JI

72. 50 Things you didn't know - Fun facts for everyone (50 things you didn't know, fun facts, trivia)
by Nick Merwood
Rating: 4.4/5 by 17 reviews
Link: http://www.amazon.com/dp/B00HYYT3EO

73. Mobile Developer's Guide To The Galaxy
by Robert Virkus
Rating: 4.2/5 by 17 reviews
Link: http://www.amazon.com/dp/B00BS6RIKU

74. Retiring to the Philippines (Philippines, Philippines Travel Guide, Philippines Kindle, Philippines Travel, Expatriates...
by Gary McMurrain
Rating: 4.2/5 by 17 reviews
Link: http://www.amazon.com/dp/B00CF5B64M

75. What God Desires
by Wendell E. Mettey
Rating: 4.1/5 by 17 reviews
Link: http://www.amazon.com/dp/B009EG6OVU

76. Creative Cupcake Ideas: Gourmet Cupcakes to Die For
by Dennis Weaver
Rating: 3.5/5 by 17 reviews
Link: http://www.amazon.com/dp/B00ICSA20A

77. 10 Minute Money Makers: How to Easily Double Your Profits in Just 10 Minutes a Day
by Jeanna Gabellini
Rating: 5/5 by 16 reviews
Link: http://www.amazon.com/dp/B00JRDA52O

78. Apple for President! (The Presidential Essays)
by William Keiper
Rating: 4.8/5 by 16 reviews
Link: http://www.amazon.com/dp/B00880ENYS

79. Popcorn Handbook: Recipes, Techniques and Tips for Great Candy Popcorn
by Dennis Weaver
Rating: 4.4/5 by 16 reviews
Link: http://www.amazon.com/dp/B00ICSFB0Q

80. The Egg and I: How to Make Incredible Omelets and Frittatas
by Dennis Weaver
Rating: 4.3/5 by 16 reviews
Link: http://www.amazon.com/dp/B00ICSFDKE

81. A Guide to Gardening and Growing Best Herbs Anywhere
by Kelly T Hudson
Rating: 3.8/5 by 16 reviews
Link: http://www.amazon.com/dp/B00BVQDBKI

82. How to Dump Your Wife: For the Good Man Trapped in a Bad Marriage | Howard Stern says: "You've got to read this...
by Lee Covington
Rating: 3.7/5 by 16 reviews
Link: http://www.amazon.com/dp/B00AVZTUOG

83. DASH Diet: A Guide for Beginners - Follow the Most Effective Diet for Lowering Your Blood Pressure and Losing...
by Jennifer Kimberly
Rating: 4.9/5 by 15 reviews
Link: http://www.amazon.com/dp/B00JQN6SGC

84. Matter of Trust
by Jeff Erno
Rating: 4.8/5 by 15 reviews
Link: http://www.amazon.com/dp/B00IEQPSGS

85. Free My Heart of Grief to Love
by Sandra Moore Bernsen
Rating: 4.6/5 by 15 reviews
Link: http://www.amazon.com/dp/B006843TWI

86. How To Build a Website With WordPress...Fast! (3rd Edition - Read2Learn Guides)
by Kent Mauresmo
Rating: 4.5/5 by 15 reviews
Link: http://www.amazon.com/dp/B00GEKWLO8

87. The Perfect Pie: A Handbook for Pie Lovers
by Dennis Weaver
Rating: 4.9/5 by 14 reviews
Link: http://www.amazon.com/dp/B00ICSFA3E

88. Emotional Intelligence - The Ultimate Guide To Develop Your Emotional Intelligence And Improve Your Communication...
by Patrick Cogen
Rating: 4.6/5 by 14 reviews
Link: http://www.amazon.com/dp/B00JMBYDSI

89. End of the Road (The Rozzers)
by Diem Burden
Rating: 4.6/5 by 14 reviews
Link: http://www.amazon.com/dp/B0080ZWWFS

90. How to Grow Organic Vegetables: Your Guide To Growing Vegetables in Your Organic Garden
by Kelly T Hudson
Rating: 4.1/5 by 14 reviews
Link: http://www.amazon.com/dp/B00D3COZOO

91. Gems from Warren Buffett - Wit and Wisdom from 34 Years of Letters to Shareholders
by Mark Gavagan
Rating: 3.9/5 by 14 reviews
Link: http://www.amazon.com/dp/B008G6S37M

92. 17 Flower Craft Ideas: How to Make Paper Flowers, Easy Fabric Flowers and More
by Prime Publishing
Rating: 3/5 by 14 reviews
Link: http://www.amazon.com/dp/B00IPN4E6K

93. It's Paleo Not Rocket Science - Simple, Quick, Easy and Delicious Paleo Recipes For Busy People
by Madison Grace
Rating: 4.7/5 by 12 reviews
Link: http://www.amazon.com/dp/B00HL83YE8

94. Cobbler - The Ultimate Recipe Guide
by Jennifer Hastings
Rating: 4.7/5 by 12 reviews
Link: http://www.amazon.com/dp/B00BLTUYS2

95. SOAP: How to Make Natural Handmade Soap. (A Home Life Book)
by Melinda Rolf
Rating: 4.7/5 by 12 reviews
Link: http://www.amazon.com/dp/B00HCQUK32

96. Never Let You Go
by Sabrina Devonshire
Rating: 4/5 by 12 reviews
Link: http://www.amazon.com/dp/B00I9N7Y4U

97. 47 Ronin: The Legend Reborn
by NBCUniversal
Rating: 4/5 by 12 reviews
Link: http://www.amazon.com/dp/B00HX2J2UC

98. Matcha Green Tea Melt & Pour Soap Recipe
by Lisa Maliga
Rating: 3.8/5 by 12 reviews
Link: http://www.amazon.com/dp/B00I9KZHYC

99. Email Etiquette: Netiquette for the Information Age
by David Tuffley
Rating: 3.4/5 by 12 reviews
Link: http://www.amazon.com/dp/B0057CTXGS

100. The Top Mistakes Youth Hockey Parents Make At The End Of The Season Through Spring
by Brandon Convery
Rating: 5/5 by 11 reviews
Link: http://www.amazon.com/dp/B00JRNPMQS

All the books are checked to be free at the time of posting.
Please double-check the price before you buy.

Totally Free Deals
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Added on : Friday April 25th 2014 02:00:05 AM
g: 0 Posted By: shahnm
Views: 580 Replies: 0 Free movie rental

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Thousands of new release movies and TV shows Quick and easy setup No subscription fees Special offers on movie rentals and purchases*The fine print from M-GO: Only for new M-GO accounts created between04/01/2014 and 4/30/2014. Promotion is only valid for the first thirty (30) days after account creation. DISNEY-DISTRIBUTED MOVIES NOT ELIGIBLE FOR FREE OFFERS. Sometimes titles are not part of M-GO promotional offers due to studio licensing restrictions. We clearly state NOT ELIGIBLE FOR FREE OFFERS in the descriptions of these titles. Valid credit card required. This promotion is valid only in the 50 United States and D.C., and void everywhere else including Puerto Rico, and where prohibited by law. Limit one promo code per transaction. One (1) user per account. Cannot be combined with other promotional offers. The discount will automatically be applied at checkout on most supported devices. Discount will be reflected in the emailed receipt and transaction history. Additional conditions for watching each rental will be provided during checkout. Promotion has no cash value, except as required by law. Promotion cannot be copied, sold, or otherwise transferred. Terms and conditions are subject to change. See promo details atmgo.com/moviegiftSupported Roku devices: Roku 1 (2710X); Roku 2 (2720X); Roku 3 (4200X); Roku LT (2400X, 2450X, 2700X); Roku HD (2500X); Roku 2 HD (3000X), Roku 2 XD (3050X); Roku 2 XS (3100X) Roku Ready Streaming Stick (3400X, 3420X).




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g: 0 Posted By: ctgolfer
Views: 97 Replies: 0 Intex Relaxation Station Lounge:

Comfortably seats up to four adults
Durable 18 gauge vinyl
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Color: Green
Part #: 58296EP
Warranty: 30 day Manufacturer's warranty against factory defects. Warranty does not cover tears, rips, or holes

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g: 0 Posted By: ctgolfer
Views: 143 Replies: 0 shipping adds $5

Get reliable performance from the AMD A8-5545M Elite Quad-Core processor
15.6" Touchscreen HD BrightView LED-backlit display with 1366 x 768 resolution showcases movies and games in stunning clarity
8GB DDR3 memory - For multitasking power, expandable to 16GB
1TB SATA hard drive has plenty of space to store your digital albums, music library and rich media files
USB 3.0 has transmission speeds of up to 5 Gbit/s, which is 10 times faster than USB 2.0
Enhanced viewing with the integrated Radeon HD 8510G graphics
SuperMulti DVDRW drive - watch movies on your computer; read and write CDs and DVDs in multiple formats
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Free movie rental with new Roku M-Go signup (also free)
Added on : Thursday April 24th 2014 06:00:02 PM
g: 0 Posted By: shahnm
Views: 55 Replies: 0 Free movie rental

From the email:


Are the best things in life really free? We think so! Sign up for a free M-GO account and enjoy a complimentary movie rental of your choice (certain titles are excluded). And that's just the beginning:
M-GO offers you the hottest new releases with easy account setup. No need to dig up a credit card if you have a Roku account purchases are billed directly to it. Don't wait - this offer ends A​pr​il​ 3​0!
Thousands of new release movies and TV shows Quick and easy setup No subscription fees Special offers on movie rentals and purchases*The fine print from M-GO: Only for new M-GO accounts created between04/01/2014 and 4/30/2014. Promotion is only valid for the first thirty (30) days after account creation. DISNEY-DISTRIBUTED MOVIES NOT ELIGIBLE FOR FREE OFFERS. Sometimes titles are not part of M-GO promotional offers due to studio licensing restrictions. We clearly state NOT ELIGIBLE FOR FREE OFFERS in the descriptions of these titles. Valid credit card required. This promotion is valid only in the 50 United States and D.C., and void everywhere else including Puerto Rico, and where prohibited by law. Limit one promo code per transaction. One (1) user per account. Cannot be combined with other promotional offers. The discount will automatically be applied at checkout on most supported devices. Discount will be reflected in the emailed receipt and transaction history. Additional conditions for watching each rental will be provided during checkout. Promotion has no cash value, except as required by law. Promotion cannot be copied, sold, or otherwise transferred. Terms and conditions are subject to change. See promo details atmgo.com/moviegiftSupported Roku devices: Roku 1 (2710X); Roku 2 (2720X); Roku 3 (4200X); Roku LT (2400X, 2450X, 2700X); Roku HD (2500X); Roku 2 HD (3000X), Roku 2 XD (3050X); Roku 2 XS (3100X) Roku Ready Streaming Stick (3400X, 3420X).




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g: 2 Posted By: remick
Views: 273 Replies: 2 http://www.amazon.com/dp/B00J4BA01K

Hawaii is famous for her pristine beaches and awesome scenic attractions, but few visitors realize there are hundreds of great things to do and see in the Islands that are absolutely free.
This guidebook will tell you where to find ancient archaeological sites, stargaze atop Mauna Kea, visit the USA's only rainforest zoo, sample wine on Maui, take guided hikes through gorgeous botanical gardens, watch Japanese folk dancing, and much more. All for FREE!
Frances Carter has compiled a gold mine of ideas and tips for enjoying Americas paradise inexpensively. For the budget traveler or anyone who loves a bargain Hawaii for Free is an essential resource.
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g: 0 Posted By: remick
Views: 168 Replies: 0 http://www.amazon.com/gp/product/B00B85811G/

Parents worry they don't have the understanding or training to be able to care for their kids in a world that is increasingly superficial, politicized, and performance driven. Disconnected makes the concepts and strategies described in the bestselling Hurt: Inside the World of Today's Teenagers accessible to parents. After the overwhelming response to Hurt, authors Chap and Dee Clark here equip parents with an up-to-date, realistic parenting book that doesn't ignore the harsh realities of adolescent life. It builds a foundation for parents by describing exactly how things have changed, takes them through the various developmental stages their children go through, and gives them workable paradigms for parenting.

From the Inside Flap
EXCERPT FROM CATALOG
It is an obvious fact that parents and children see life differently. Parents and children often assume that the way they view and experience the world is the only way to see and experience the world. This presents a series of relational challenges on its own, but even more important for the parent to consider is that, irregardless of how they see the life and world of their kid, the way the child sees their life and world, in all aspects--relational, social, ethical--is what matters most as they grow up. It is your child's perspective of their own world that ultimately has the greatest influence over them as they grow up. Even in homes where parents work hard to try and understand their children, today's teenagers believe that life is hard, antagonistic, and dismissively impersonal. According to our research, by the time they reach high school, kids feel an almost overwhelming sense of isolation and loneliness. Even the brightest and best kids revealed to our team how damaged they feel under the pressure of what they see as constant evaluation and critique. This feeling fosters a profound insecurity in nearly every adolescent, an inner disquiet that few can verbally pin down but all seem to experience. In order to parent well in today's image- and performance-driven society, where everything from body contour to SAT scores is scrutinized and put down, it is vitally important to recognize that the inside of your adolescent child is a stew of conflicting thoughts and emotions.
From the Back Cover
Your teens live in another world. They encounter different sorts of challenges than you did. But you can learn how to help them navigate our increasingly superficial, politicized, and performance-driven world.

Authors Chap and Dee Clark are not only youth and family experts, they're also parents. In Disconnected, they put their years of research and experience to work to help you understand your teen. This up-to-date, realistic book doesn't ignore the harsh realities of adolescent life. It describes how things have changed since you were a teen and gives you ways to build your relationship with your teens while instilling in them the values they need to thrive in a MySpace world.
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g: 0 Posted By: MisterTyson
Views: 214 Replies: 0 I had been looking for a tiny grill so I wouldn't have to deal with firing up the monster in the back yard for little things. Saw one posted here for $20 and decided to price check. Found this one at WalMart for $10 w/ free in-store pickup. Pretty good reviews.

Specs:(L x W x H): 12.6 x 14.2 x 12.0

Grill

Honorable mentions: $15 14.5" dome grills
Black
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Samsung Galaxy Tab 3 10.1" 16GB refurb @ Woot $219.99
Added on : Wednesday April 23rd 2014 10:00:06 AM
g: 1 Posted By: KevinD
Views: 242 Replies: 2 90 day warranty
Available inGold BrownandWhite

The Samsung Galaxy Tab 3 is packed with features designed to give you a chance to relax, to connect and engage with family, to keep you entertained, and to offer new conveniences in everyday life. It works a lot like your Galaxy smartphone, so theres nothing new to learn. Just start having fun.The Same Galaxy Experience
You love your Galaxy smartphone. Now enjoy the same Galaxy experience on a tablet. Youre already a Galaxy Tab 3 expert. Getting started on a Galaxy Tab 3 is a breeze. Comfortably switch back and forth from your Galaxy phone to your Galaxy Tab whenever. Your content is automatically in syncwireless, fast and for free.A Powerful Tablet Doesn't Have to Be Complicated
Enjoy your favorite tablet apps and activities on the Galaxy Tab 3. Search, explore, and buy online with fast web-browsing. Stay connected with friends wherever you are. Download apps, catch up on email, and more. Its fun and easy for the whole family.Make the Most of the Real Estate
With Multi Window on the Galaxy Tab 3 you can use two applications side-by-side. Do two things at once - look up the restaurants menu while you schedule your dinner party or watch a YouTube video while you chat on Facebook. The options are limitless.Make the Most of Your Downtime
The Galaxy Tab 3 is a universal remote control, toy box, and bookshelf all-in-one! Theres never a dull moment when youve got the Galaxy Tab 3 in hand.Shipping Note:Shipping to Alaska and Hawaii is not available for this itemA physical address is required for delivery. No Military or PO Box shipments availableWarranty:90 Day Samsung
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Car Insurance - Huge Drop?
Added on : Wednesday April 23rd 2014 09:00:09 AM
g: 0 Posted By: smc733
Views: 89 Replies: 0 Hi All,

First time poster, long time lurker here. Looking forward to joining some awesome discussions around here.

I have a rather interesting story, I'm wondering if anything can shed light onto this unexpected but appreciated sudden drop in my car insurance rates. I'm with one of the larger companies.

Backstory
I just turned 23
Moved to a different apartment in the same complex, safe, upper-middle class town in MA, ~20min from Boston
Drive a 2011 compact, owned outright. Foreign with good accident ratings.
Been with company for roughly 2 years, same with employer, making in the high 50s. No credit inquiries in these last two years

When moving, my company re-processed my insurance rates.

My premium was a little above $2k a year before moving, but in changing the address, the new premium is $1,200 annually, NOT for the rest of the year (Yes, a $800 drop). About the only things I can think that could have influenced this drop are:
-6 years with license
-6 year old accident aged off (MA law), yes, I got in an accident right after getting my license. There are no other violations on my driving record.

Could the accident coming off REALLY have that much of an influence? Surely it wasn't moving in the same zip code. Should I expect a "we screwed up" letter soon? This figure does seem in line with what many my age are paying, though, I was always paying more than most of my peers.
Personal Finance Deals
g: 1 Posted By: remick
Views: 59 Replies: 0 http://www.amazon.com/dp/B00EP4X4A0/

4.7 out of 5 stars (91 customer reviews)

In this book and streaming video course, piano professor, Damon Ferrante will lead you from a beginner level to make you play better than ever! His step-by-step method on how to play the piano has been proven to be easy to follow and to reduce the effort, time, and expense of piano learning. Learn piano by playing songs! Thousands of pianists of all ages appreciate the fact that Ferrante's methods enhance creativity and make piano playing fun! No music reading is required!

This New Edition includes hours of Free Streaming Video Lessons! The video lessons cover piano technique, how to read music, music theory, how to play songs, and developing good practice goals.

Ask yourself this:

1. Have you always wanted to learn how to play the piano, but did not know where to start?

2. Did you begin piano lessons once and give up because the lessons were too difficult?

3. Are you struggling to follow online piano lessons that seem to jump all over the place without any sense of direction or consistency?

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If your answer to any of the these questions is yes, then this book and video course is definitely for you!

Little Piano Book is a book and streaming video course that follows a step-by-step lesson format for learning how to play the piano. It is designed for beginners and no music experience is necessary to use the book. Each lesson builds on the previous one in a fun, clear, and easy-to-understand manner--giving you confidence and a new ability with the piano. This book and video course will enliven your creativity and strengthen your understanding of music, taking things to the next level!

At the end of the book, you will be able to play the following songs and pieces in easy-piano arrangements: "Jingle Bells", "Scarborough Fair", "Ode to Joy", "Amazing Grace", "When the Saints Go Marching In", 'Yankee Doodle', "Simple Gifts", "Take Me Out to the Ballgame", 'Michael, Row the Boat Ashore", "Beethoven 5th Symphony Theme", "Twinkle, Twinkle Little Star", "Love Somebody", "Kum-Bah-Yah", and many more songs.

This piano book covers the following material: piano music, piano chords, piano sheet music, piano theory, music theory, popular songs for piano, piano exercises, piano hymns, piano instruction, how to play the piano, piano jazz, kids piano, piano notes, piano lessons, piano practice, piano repertoire, piano sight reading, piano technique, piano theory, how to play the piano, piano instruction, and piano for adults.
g: 5 Posted By: remick
Views: 852 Replies: 2 http://www.amazon.com/dp/B00JMGEFPY

4.9 out of 5 stars (29 customer reviews)

Do You Want to Save Money, Improve Time Management, Produce Great Work, and Increase Your Productivity?

Then you've come to the right place. In this book you will learn:

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Learn money saving lifehacks like how to get VIP treatment at your favorite businesses, never pay ATM fees again, get Amazon Prime for 1/5 of the cost, save 100's of dollars a year on your favorite services and more!

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It's very easy to spend a lot of time on things that don't matter. This lifehacks guide will show you how to condense those activities (like email) and focus more on the tasks that actually matter so you can be more productive than ever.

Travel Hacking Strategies


Learn how to find the best credit cards for travel points, avoid fees on things like hotel cancellations, and access all your flight information on the go. Using the tips from this book I've traveled for free around the world and managed to avoid some of the most common travel headaches.

Hacking Email Management


The average person spends 27% of their work week on email management. This is crazy! You'll learn specific strategies on this book on how to massively reduce the time it takes to manage your email like batch processing, how to reduce email volume, and tactics to declutter your inbox. Multiple email hacking tools are mentioned in this section that will massively improve your email etiquette and processing time.

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g: 0 Posted By: remick
Views: 37 Replies: 0 http://www.amazon.com/gp/product/B009TE79XO

4.7 out of 5 stars (29 customer reviews)

#1 Amazon Bestseller ● #1 Rated College Success Book in America (Voice of Youth Advocates Review)

"I read Kick Ass in College cover to cover in only 3 days. After the first hour, I felt a great sense of motivation to pursue my studies and enjoy college... The chapters unfold with urgency, frankness, and humor. Gunnar really speaks the truth..." ~U. Phan / 5.0 out of 5 stars

"Head and shoulders above the rest... I searched for words of wisdom that would ease my daughter's transition into college life. I ended up buying her 3 books. But it was Kick Ass in College that she found to have the best information and helpful hints to survive... We liked this book so much it has become my standard high school graduation gift!" ~Gayle Keller / 5.0 out of 5 stars

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"The most succinct, practical, engaging and immediately useful success-in-college book available." ~Voice of Youth Advocates Library Review

"I absolutely love Kick Ass in College. I have read the book twice before, and now for the third time. I re-read it before each semester, and I have been kicking ass ever since. I had to leave school with a 1.5 G.P.A. but when I came back my grades jumped to a 3.4. I graduated with a 3.8! The book is wonderful and I recommend it to every college student I know!" ~K. Williams, Bowie State University | 5.0 out of 5 stars

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"Must-read material for students seeking to use their degree as a springboard to an exciting career." ~Barbara Eureste, Director of the Career Placement Center, University of Texas at Austin

YES, Kick Ass in College is laugh-out-loud funny. But author Gunnar Fox is out for more than his readers' laughter: he wants their full attention and commitment to his study techniques and life strategies. In addition to providing a blueprint for classroom success and preparing students for the highly competitive job market that awaits them, this instant college classic tackles relationships, substance abuse and many other real-world issues.
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g: 0 Posted By: remick
Views: 152 Replies: 0 http://www.amazon.com/dp/B00JMGEFPY

4.9 out of 5 stars (29 customer reviews)

Do You Want to Save Money, Improve Time Management, Produce Great Work, and Increase Your Productivity?

Then you've come to the right place. In this book you will learn:

Ways to Save Money


Learn money saving lifehacks like how to get VIP treatment at your favorite businesses, never pay ATM fees again, get Amazon Prime for 1/5 of the cost, save 100's of dollars a year on your favorite services and more!

If you follow the tips in this section on How to Save Money you'll earn back the price of this book 10x over within the first month!

Time Management Lifehacks


Learn how to crush common time wasters like unnecessary meetings, repeatedly answering the same questions, spending too much time on email, dealing with slow customer service, and weeding out "time takers" from you life.

Ways to Improve Your Work


Improve the quality of your work with the proven techniques and the latest productivity tools on the web. In this lifehacks guide you'll get information on specific tools that improve your relationships, help you build your network, improve your focus, and spend more time on things that are important so that you can produce great work!

How to Increase Your Productivity


It's very easy to spend a lot of time on things that don't matter. This lifehacks guide will show you how to condense those activities (like email) and focus more on the tasks that actually matter so you can be more productive than ever.

Travel Hacking Strategies


Learn how to find the best credit cards for travel points, avoid fees on things like hotel cancellations, and access all your flight information on the go. Using the tips from this book I've traveled for free around the world and managed to avoid some of the most common travel headaches.

Hacking Email Management


The average person spends 27% of their work week on email management. This is crazy! You'll learn specific strategies on this book on how to massively reduce the time it takes to manage your email like batch processing, how to reduce email volume, and tactics to declutter your inbox. Multiple email hacking tools are mentioned in this section that will massively improve your email etiquette and processing time.

Eating and Drinking Lifehacks


Get proven strategies on how to limit binge-eating, stop late night snacking, and cut back on the coffee overload! You'll even learn some lifehacks for my favorite fast casual restaurant...Chipotle!

Lifehacking In Your Everyday Travels


Optimize life's daily headaches by learning how you can leave your wallet at home, never forget your coat check number, access your favorite reading material even when you don't have cell service, and much more!

Miscellaneous Lifehacks


This book contains a bunch of lifehacks that didn't necessarily fit into one bucket, but are too good not to include!

You'll learn strategies to stay motivated, sleep better, hack Chipotle, get cash for crummy gift cards, and how to write things like a book...even if you're not a good writer!
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Looking for a car
Added on : Monday April 21st 2014 07:00:07 AM
g: 0 Posted By: anthonypetini
Views: 174 Replies: 7 I'm honestly not even sure how this works, I have seen people posting in regard to getting a proxy buyer to purchase a vehicle for them. I am asking one of two things if you don't mind.

First, I am looking for a specific vehicle. My 2007 Chevy Tahoe is not what it used to be, so I am looking to sell that sucker to anyone who is willing to take it off my hands, and use the money to buy a dealer vehicle. What I am looking for is a 2013 Ford Escape, back up camera is preferred for the wife. If this is the wrong place for this, please redirect me. I cannot afford dealership pricing, but heard from many people that wholesale pricing from manheim/ove are outstanding.

Second thing I am looking for is possibly getting access to the above? I heard that craigslist is was offering access at some point, but Im not entirely sure how that even works.

Im just a father who needs a new car and am looking for assistance with the special dealer only pricing. Thanks!
Personal Finance Deals
Free cone at Carvel on 5/1
Added on : Sunday April 20th 2014 03:00:15 AM
g: 0 Posted By: remick
Views: 99 Replies: 0 https://www.facebook.com/photo.php?fbid=10154049270505174&id=382...

The best things in life are FREEzing. Mark your calendars - visit us on May 1st for a free cone
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g: 0 Posted By: ctgolfer
Views: 56 Replies: 0 23" IPS Widescreen WLED backlit anti-glare 1920 X1080 16:9 aspect ratio display
Get reliable performance from the AMD E2-3800 quad-core accelerated processor
4GB DDR3 memory For multitasking power, expandable to 16GB
500GB SATA hard drive has plenty of space to store your digital albums, music library and rich media files
Enhanced viewing with the integrated AMD Radeon HD 8280 graphics
Two USB 3.0 ports and 4 USB 2.0 ports for plenty of connectivity for your USB devices
SuperMulti DVDRW drive watch movies on your computer; read and write CDs and DVDs in multiple formats
The side-panel multimedia memory card reader makes it easy to transfer photos, music, and other files to and from your digital camera and other peripheral devices
Connect wirelessly with the Atheros AR5B125 802.11b/g/n single antenna PCI Express half-length mini card
Connect to a broadband modem or router with wired Realtek RTL8151GH-CG 10/100/1000-Base-T Ethernet
Realtek ALC3228-CG Audio for rich and dynamic sound
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Family farm dispute
Added on : Friday April 18th 2014 04:00:03 PM
g: 0 Posted By: skagen
Views: 49 Replies: 1 My wife's father and grandfather had a falling out some time ago. Her father had helped save the family farm by contributing a good amount of money starting back in 1986. There was a lot of animosity that arose when there was discussion about paying him back around 1997. Basically, the borrower (grandpa) wanted to pay $50,000 as payment in full, and the lender (wife's father) wanted $100,000. As is common with many family arrangements (or so I hear) there wasn't a great deal of documentation. Things went rather sour, and basically all relations ended.

Fast forward to 2014, and grandfather is in his mid 90s, and there appears to be some wish to reconcile at least this difference.

Here are the details.

During the period of 1986 through probably no later than 1992, there were somewhere between $36k (reasonably substantiated) and $50k in payments fromwife's father to grandpa("it could have been as high as this").
In 1997, an offer was made from grandpa to wife's father in the amount of the $50k. Wife's father, wanting $100k, disagreed. Things clearly got heated and relations broke off. No money changed hands.

I've generally been seen as a fairly objective and logical person, and so I was asked to put together my thoughts on what would be fair. I told my wife that the folks on fatwallet would likely have a lot of good insight, so please don't let me down.

While I don't know the exact payments and when they occurred (I have just $36k-$50k basically, starting from 1986 and going for a few years), I gave them a spreadsheet to work with and my opinions on the interest rate that would be reasonable. There was already some recognition by the executor of grandpa's trust that interest would be paid as he had initially stated "4.7% seems like a fair interest rate" with respect to the 1997 payout offer.

My suggestion was this -
Use annual mortgage rate averages from 1986-1997 against the principal. 1997 was when the payout was not accepted, and I think it changes the way I'd think interest should be calculated.
Post 1997, even though other asset classes would have outperformed, use inflation. While CPI may or may not be a great gauge of inflation to some, it's a gauge and it'd be a way of trying to pay him today the same amount that would have been paid in 1997.

The funny thing is that if they had just split the difference at the time, it'd have been about right based on my calculations.

Any input? I would really like to help find a fair solution for wife's family.
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g: 0 Posted By: remick
Views: 128 Replies: 0 http://www.amazon.com/gp/product/B00DBLCVD4

4.6 out of 5 stars (14 customer reviews)

What people are saying about The Distracted Yogi...

*'I suspected that the book may make for tough reading on a emotional level, and I was right. I only got to page 9 before I had to pause due to the tears streaming down my face." & 'I will be passing on the book to my wife as I really cannot think of a better way to help describe what is going on inside my head."
Roy Whyte, Media! News Magazine
&

*"Eleven years later, Desgagne is not the same person, but she is living proof that there is a way back from hopelessness and despair, that recovery from a brain injury is possible." Katherine Mortimer, Vernon Morning Star.

This is the True Story of Trauma-to Drama-to Transformation! In the time it takes to Inhale One Breath, Michelle's life was changed forever. A cycling accident became the Demarcation Point-of-no-Return for her in the Spring of 2002. Join her in this inspired journey of self-discovery & perhaps you will learn more than a few things about your own intolerance's to not just Trauma but to those Darker Edges of Self which we all harbor inside. Michelle makes no apologies for lifestyle or philosophy, instead she offers her Story that is Raw but Real and will challenge your definitions of Resilience & Recovery.




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g: 0 Posted By: remick
Views: 0 Replies: 0 The 50 Best Tips EVER for Running Fitter, Faster and Forever (Instructional Videos and Running Plans Included)
http://www.amazon.com/gp/product/B00HVS5DT2

5.0 out of 5 stars (20 customer reviews)

I tried everything. Changing shoes, changing nutrition, changing my running form and changing my training plan. I even prayed to the running gods! It didnt matter. Every time Id bolt out the door for a run something new would hurt. I was a broken down, frustrated runner. The most common pain was in my calves and I used to joke that you could flip a coin for which one was going to hurt that day. Because of this, I wasnt getting fitter and my times certainly werent getting faster (in fact, they were getting slower). Running wasnt fun.

Even though it seems like only yesterday, that was five years ago. At the time, the more things I changed, the more it felt like I was wasting my time. But slowly my running started to improve. My body felt better...and healthier. I got fitter...and I got faster. Im an experimenter at heart I love tinkering with different things and trying to figure out not only what works...but what works the BEST. In this case, I was after the secret sauce of running.

And I believe I've found it.
Question on rent vs. buy
Added on : Wednesday April 16th 2014 04:00:10 PM
g: 0 Posted By: elektroshok
Views: 123 Replies: 4 Hello everyone -

I'm new here but had a quick question.

I just graduated medical school and will be renting in a city for a year before moving to a different city for at least four years (possibly 5 if I do my fellowship there).

My gross pay for those four years will start at 56k and go up around 3k each year.

My question is basically whether to rent or buy for those four years.
I have already been looking a little bit at condos for sale within 2 miles of the medical complex and there are a few for around 100k which is what I would be looking to get.

My plan if buying would obviously be live there while I'm working and then if/when I move rent it out to new incoming residents that will be training at the medical center. The proximity of the property to the medical center is what is very appealing to me (and thus my thought of renting to future residents if i leave).

Any advice or other things to consider is greatly appreciated.

Thanks.
Personal Finance Deals
FREE Skewed [Kindle Edition] by Anne McAneny
Added on : Wednesday April 16th 2014 08:00:06 AM
g: 0 Posted By: atiggger
Views: 155 Replies: 0 FREE Skewed [Kindle Edition] by Anne McAneny

http://www.amazon.com/Skewed-Anne-McAneny-ebook/dp/B00IU11F0U/re...[Kindle Edition]Anne McAneny(Author)=x-small4.8 out of 5 starsSee all reviews(10 customer reviews)
Digital List Price: $4.99What's this? Print List Price: $8.99 Kindle Price: $0.00 You Save: $8.99 (100%)


Length:323 pages (Contains Real Page Numbers)
Don't have a Kindle?Get your Kindle here.


Formats Amazon Price New from Used from Kindle Edition $0.00 -- -- Paperback $7.54 $7.54 $28.65

=0.82emKindle Delivers: Daily DealsSubscribe to find out about each day'sKindle Daily Dealsfor adults and young readers.Learn more(U.S. customers only)
Book DescriptionPublication Date:March 5, 2014SKEWED a tantalizing mystery thriller that opens with a bang, drags you through the muck, and delivers a shocking jolt of a finale...

Janie Perkins rocks a warped relationship with cameras. Forced in front of them as an infant under grim circumstances, she now hides behind them as a crime scene photographer with a bad habit. But for a girl born to a waitress in a comaput there courtesy of a bullet from her famous fatherwarped relationships are the norm. When Janie receives two photos of her mothers crime scene, taken by an unknown third party, she gains a dire perspective on the decades-old death, one that threatens to upend her life and resurrect the wrath of the long- dormant Haiku Killer.

With her twin brother running for office and her own problems rising to the fore, Janie finds herself in the dreaded spotlight again. These recent photos wont help matters. Enlisting the help of a unique crime consultant, a newbie detective, and her estranged father, Janie pries off the layers of deceit that marked her mothers final day. But as an unwelcome truth finally comes into focus, Janie may wish shed left things undeveloped. Will she now pay the ultimate price for finally righting her skewed existence?
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Defamation lawsuits
Added on : Wednesday April 16th 2014 07:00:06 AM
g: -5 Posted By: Hanssen1
Views: 137 Replies: 2 Hello everyone,

I came across one of these infographic things while doing some legal research. It was put together by a couple of lawyers, so it's probably reliable. It's about defamation lawsuits, and while it isn't something that many of us think often about, it's good to refresh your knowledge about the kind of charges that can be levelled against you by an unscrupulous opportunist or disgruntled employee. There is a bunch of info in here that I had half-forgotten or never known, and you know what they say knowledge is power. Check it out.

For the people that are interested:

http://businessdefamation.com/business-defamation-infograph/

Do any of you have experience with lawsuits of this sort? Curious about your stories!
General Economics Deals
Craftsman 54 Pc. Driver And Bit Set $10.99 in-store or FS w/Max @ Sears
Added on : Wednesday April 16th 2014 06:00:05 AM
g: 0 Posted By: ctgolfer
Views: 233 Replies: 0 With enough bits to do most anything you need to do around the house, the Craftsman 54 pc driving set is one of the best things to happen to a drill since it went cordless
1/4 inch Speed-Lok quick connector allows one-handed tool changes and helps prevent the bits from slipping in the drill
The set includes a magnetic bit holder, 33 assorted 1-inch insert bits, nine assorted 2-inch power bits, three 3-inch power bits and seven assorted nut setters
Made of high speed steel
A compact molded case helps keep everything together
Weighs 1.6 pounds

www.sears.com/shc/s/p_10153_12605_00926393000P
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Sears Coupons
Free Kindle Book- A Quick Start Guide to Traveling With Your Dog
Added on : Wednesday April 16th 2014 02:00:05 AM
g: 0 Posted By: remick
Views: 96 Replies: 0 http://www.amazon.com/gp/product/B00BU1E40K

Today, its very easy to take your pets whenever you travel. It can be
a trip to the beach, another state or even another country. No matter
where you go, hotels, airlines, cruise lines and even restaurants have
become more open in accepting pets. In fact, some of them have
even upgraded their services so they can cater the needs of pets and
pet owners together. For this reason, its almost unfair if we leave
our animals behind when we travel, and we dont need to come up
with excuses about not bringing out animals along.

If its your first time taking your pets with you, you may find it
quite complicated since there are some things you need to consider
before you travel. You also need to attend to the needs of your pet
all throughout the length of your journey. Thats why this eBook was
created. It will serve as a guide, especially for pet owners, who will be traveling with their dogs.

A Quick Start Guide to Traveling With Your Dog covers the following topics and more:
- Should You Travel With Your Dog?
- Things to Pack When Traveling With Your Dog
- Things to Do and Places to Go
- Finding Dog-Friendly Hotels
- Traveling by Car
- Traveling by Plane
- Traveling by Boat
- Dining With Dogs
- Dog Medications for Travel
- Overview on International Pet Travel
Books & Magazines Deals
5 FREE Kindle Self Help Books
Added on : Tuesday April 15th 2014 05:00:12 PM
g: 0 Posted By: fsidos
Views: 63 Replies: 0 Ready, Set...PROCRASTINATE! 23 Anti-Procrastination Tools Designed to Help You Stop Putting Things Off and Start Getting Things Done =16px[Kindle Edition]http://www.amazon.com/gp/product/B00IKMP6FOStop Being Lazy Right Now!: How To Break The Procrastination Pattern Forever !! Get Your Black Belt in Getting Things Done !! Improve your Life and Get Results !! WHY WAIT? CHANGE YOUR LIFE NOW !! =16px[Kindle Edition]http://www.amazon.com/gp/product/B00JEU5GJCAstrology For The Soul: Discover Happiness, Prosperity and Superior Health Locked Within Your Sign =16px[Kindle Edition]http://www.amazon.com/gp/product/B00JFF5JMALearning From Failure: 11 Sure Fire Ways To Turn Your Worst Failures Into Your Biggest Success =16px[Kindle Edition]http://www.amazon.com/gp/product/B00JL2O9LYMindfulness Meditation: 10 Minute Awareness Techniques For Quieting The Mind-Let Go Of The Past And Cultivate Mindfulness Meditation To Overcome Suffering ... Meditate, Meditation Techniques, Meditation) =16px[Kindle Edition]http://www.amazon.com/gp/product/B00JIO9OCE




Books & Magazines Deals
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: 1 Posted By: remick
Views: 171 Replies: 0 http://www.amazon.com/gp/product/B0081KRP8Q

4.5 out of 5 stars (31 customer reviews)

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

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



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

4.5 out of 5 stars (6 customer reviews)

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



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

4.7 out of 5 stars (17 customer reviews)

Can you really find money every day? Yes! There are three ways.
1. Increase your income.
2. Decrease your expenses.
3. Manifest it.
Oh, good. Youre still here. Sometimes, I say, manifest it to people and their reaction is to roll their eyes, cover their ears, and sing la, la, la. (Actually, no one has sang la, la, la yet.)
The first time I tried to manifest it I found money every day for 46 days in a row even though I only used the techniques for 30 days. Usually, I found dimes, quarters, ones, and twenties. However, on day 34, I found $213.34.
You can learn how to do this. In fact, if you your mind to these ideas, youll start finding money immediately.
Here is something interesting. I can read minds (maybe). When I mentioned manifesting money, did you think, Yeah, yeah, yeah, if I dont spend a dollar, its like making a dollar? Thats true but it isnt manifesting. As youll see when you read my story, it is possible to make money appear. It is not magic.
In this book, you learn some obvious things that you should know, some not very obvious things that you probably dont know, and some things that just arent obvious so you probably dont know them. Whew, thats a mouthful!
You are a sensible, reasonable person. You know money doesnt grow on trees. Its just made out of trees. You also know that money doesnt just appear out of nowhere. Or, does it? Let me tell you my story.
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New Car Deductions for Business 2014
Added on : Monday April 14th 2014 09:00:06 PM
g: 0 Posted By: sharpie130
Views: 12 Replies: 0 Okay so I'm planning to get a new car. I have my own business/LLC and will be using this vehicle for "business" only as I do plan on keeping my 08 civic for "personal use".

Car I'm planning to get is around 50k.

I'm trying to sort out/understand the deductibility of the car. It seems that based on type of car and gross weight (above 6000 pounds) there are various deduction limits.

I plan to purchase sometimes this year.

Seems like if I buy a new SUV under 6000 pounds I can only deduct up to 25000.

If i get something over 6000 pounds I can deduct up to 250k

I'm a bit confused on the language. I see a depreciation table with this many thousands being deducted every year but I also see things where you can deduct 40k off a 50k new car if it's above 6000 miles.

Anyone have some insight?
Discussion Deals
Renting a garage apartment
Added on : Monday April 14th 2014 09:00:13 AM
g: 0 Posted By: speddi
Views: 151 Replies: 1 We have a garage apartment that has separate entrance. It has a kitchen sink and bathroom. We are planning on renting it.

What are the basic things that need to be added? How do I proceed with renting the place when I find a renter? Do I have to write a lease agreement?

Any suggestions or tips are appreciated. If this needs to be in another forum, please let me know. Thank you.
Personal Finance Deals
g: 2 Posted By: remick
Views: 240 Replies: 0 http://www.amazon.com/gp/product/B00BGC01NW

High School Computer Science, User Defined Functions in C++. Start writing C++ functions yourself. Learn the small things first and settle far beyond. Ideal for anyone who have started learning C++ and want to explore in details the Functions.



The Past, Present, and Future of JavaScript
http://www.amazon.com/The-Past-Present-Future-JavaScript-ebook/d...
Whats next for JavaScript? Its phenomenal rise from a simple client-side scripting tool to a versatile and flexible programming language exceeded everyones expectations. Now, hopes and expectations for JavaScripts future are considerable.

In this insightful report, Dr. Axel Rauschmayer explains how the combination of several technologies and opportunities in the past 15 years turned JavaScripts fortunes. With that as a backdrop, he provides a detailed look at proposed new features and fixes in the next version, ECMAScript.next, and then presents his own JavaScript wish listsuch as an integrated IDE.

Understand the key role that XMLHttpRequest, JSON, jQuery, V8, Node.js, and other advances played
Examine proposed fixes for ECMAScript.next through code examples
Discover how JavaScript is becoming a better Target for compilers
Explore the technologies that will help JavaScript provide support for concurrency
Learn how HTML5 is a compelling platform for JavaScript in web, mobile, and desktop applications



JavaScript Principles: A Brief Introduction
http://www.amazon.com/JavaScript-Principles-A-Brief-Introduction...

This 17-chapter book is a brief introduction to key principles of JavaScript programming. Each chapter is dedicated to an isolated subject. The author focuses on "I wish I knew this before" type of knowledge, that will be helpful for beginners and intermediate-level programmers interested in expanding their understanding of front-end application development. jQuery briefly highlighted throughout the book and few jQuery plugin examples are provided.

This volume highlights key principles involved in JavaScript programming and should not be considered as a complete outline of JavaScript programming language. If you are passionate about learning about key insights of this programming language in a medium sized book, it may be of interest to you.

Chapters are as follows:

1. A Case for jQuery
2. Breaking Down jQuery
3. Document Object Model
4. JavaScript Boot Camp Begins
5. Code Placement
6. Statements, Primitives and Literals
7. The "this" Property
8. Function Properties
9. Object Literals
10. Anonymous Functions
11. Closures
12. Constructors
13. Prototype
14. Events
15. Initializing jQuery
16. Optimizing jQuery Selectors
17. Creating jQuery Plugins
Plugin 1: Get Class
Plugin 2: Rewriting Window Alert Box
Plugin 3: Rewriting jQuery's prev() and next()
Plugin 4: id2var



Java 8 Preview Sampler
http://www.amazon.com/Java-Preview-Sampler-Herbert-Schildt-ebook...

The Problem with Native JavaScript APIs
http://www.amazon.com/The-Problem-Native-JavaScript-APIs-ebook/d...

Books Deals

Amazon Coupons
Samsung Galaxy S5 Verizon $99.00 FS @ Costco Wireless
Added on : Friday April 11th 2014 05:00:07 PM
g: 3 Posted By: DizzyT71
Views: 602 Replies: 2 Costco Wireless has the Samsung Galaxy S5 Verizonon sale for $99.00 with free shipping.

No Costco membership needed

Applies to new and existing plans.Online and B&M.
Black and White 16 gb model.
New activations will get you $100 bill credit.
You also get an accessory pack as well which includes a screen protector, case, car charger and probably a few other things as well.

Cell Phones Deals
g: 0 Posted By: robronson
Views: 100 Replies: 0 I am self employed as a consultant. I fly to various states throughout the year, some of which, like California, have high state income tax. I'm toying with the idea of creating a series of entities for my consulting to maximize profit by minimizing state income tax burden. I don't have a solid plan, just some ideas to hash out and hear thoughts on.

The general idea would be to use a different entity for clients in different states. For example, suppose I make $20k from California and $180k combined from various other states. I could do consulting in California as a Sole Prop and do the business in other states through an S-Corp. That would let me specify that my $17.5k Individual 401k Employee contribution could come from the California income, reducing the state tax burden.

The alternative would be doing all consulting under a single entity (whether it be sole prop or S-corp or whatever), and the $17.5k 401k contribution gets equally deducted (allocated) from all income. It doesn't make sense to deduct the contribution from income derived from states with zero or low state income tax if I can specify that it came from California income. The only way I can think to do that would be separate entities.

I'm also looking at the possibility of S-Corp with me being a W2 for some of my income because California, and perhaps other states, appear to count W2 income earned differently. For example, as a non-resident of California, if I earn $20k in Cali and $180k externally, if I can segregate the $20k of Cali income, perhaps through a sole prop from the $180k which perhaps goes through an S-Corp that pays me as a W2, then I can more easily show my W2 income was derived entirely from non-California sources and if I can count my 401k contribution to the sole prop income, I can really get my Cali income low. I'm using Cali as an example of my idea and hoping it could be used in other ways.

Another idea is to S-Corp and make me a W2 for partial parts of the year (I have flexibility in my consulting gigs so I can structure each one however I want). Being a W2 might afford me some possible tax benefits such as contributing $3250 to my HSA, from the S-Corp itself, to avoid SE Taxes, as opposed to contributing to my HSA as a sole prop where there's no SE tax deduction. I wouldn't necessarily want to be a W2 through my own S-Corp for the whole year due to overhead costs of payroll, but I could potentially do it for one month, contribute the full annual HSA amount, and then be sole prop for the other 11 months.

I've also heard if I'm an S-Corp I can pay for non-reimbursable medical expenses on a pre-(SE)-tax basis. With high deductible insurance, little is covered, so maybe I could drive my annual $1k or $2k of out-of-pocket expenses to come from my S-corp and save more taxes. Not sure how this works exactly, I only read someone allude to it in another thread.

Finally, as an S-Corp, I should be able to save on SE-Taxes because right now I earn $200k as a sole prop but there's consulting firms who do the same work as me who offered me $120k as a W2 (plus benefits). I think I could take that offer letter for $120k and make a justification to the IRS that if my S-Corp earns $200k, I only have to pass $120k down to myself, pay SE Taxes on $120k, and pass through the other $80k as dividends. However, since the "FICA cap" is around $120k, maybe that won't really do anything to save taxes.

My biggest concern with this is the possible need to register as a foreign corporation in each state I do business as an S-Corp. As a sole prop, I'm free to go wherever and do consulting work. As an S-Corp, I probably have to drop up to a few hundred dollars to register my S-Corp as a foreign entity in each state I work.

Not sure if there's any benefit to having one or more of the S-Corps used this way to be taxed as a C-corp, perhaps to keep AGI down for things like Student Loan income-based repayment or to push AGI down below a threshold for a phase out. Obviously you will be double taxed on the money, but you can defer that second tax until much later, keeping your AGI down right now, which might be useful.

There may be a possibility to bypass the equal quarterly tax withholding payment rule by becoming an S-Corp as a W2 for the last few months of the year. You could maybe pay $0 in quarterly estimated payments and then as a W2 in November/December, you could withhold your entire W2 paycheck to taxes. Since W2 income tax doesn't need to be withheld equally throughout the year. Not sure if this would work or if the penalty would still apply but I have heard of married couples where the husband is self-employed, pays nothing in quarterly tax payments and the wife modifies her W4 to withhold her entire paycheck to taxes the last 2 or 3 months of the year. That might work as a single person if you can make yourself a W2 the last few months of the year.
Personal Finance Deals
g: 0 Posted By: eskimo5079
Views: 168 Replies: 3 I am currently facing a very serious issue as it relates to my student loans. More specifically, I have a private student loan consolidation with Sallie Mae. Due to the very high interest rates, I was currently on what Sallie Mae has termed a rate reduction program. This program was set to end this month and I was planning to try to renegotiate an extension to this rate reduction program due to the regular interest rate causing the payments to be so high that I cannot afford them. When I called in to renegotiate, I was informed that my cosigner had filed for Chapter 13 bankruptcy and that the loan was placed on a bankruptcy forbearance. I was also told that when in this status, Sallie Mae will not negotiate any offers.

Since, I have talked to my cosigner to try to determine exactly what was going on as they have never paid anything to the loan and I have been paying with it totally current. The cosigner has explained that the bankruptcy forbearance as a result of their filing will be in affect for 5 years and that they are unwilling to remove this account from their filling. I am very confused as to how my loan can be locked as I am the primary account holder. In summary, it seems that at the end of this month my interest rate will return to the original interest rate for the loan which is not something I can afford, which will therefore cause interest to accrue and at the end of the forbearance will obviously capitalize and thus end up costing me a significant sum of money.

Any help on getting this issue solved would be greatly appreciated. I am trying to better understand several things. First, can Sallie Mae legally change the status of my loan due to a cosigner and prevent me from continuing business as usually? Can I legally protect myself from the damages that will be incurred due to this? Also, any other help and advice on getting through this would be greatly appreciated. A preemptive thank you to anyone that can help.
Personal Finance Deals
Cancer Diagnosis -- Financial Impact
Added on : Thursday April 10th 2014 11:00:15 AM
g: 0 Posted By: elrp
Views: 127 Replies: 4 Long time member with a new name.

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

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

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

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

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

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

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

What am I missing?


















Personal Finance Deals
New home buyer - What to look out for...?
Added on : Thursday April 10th 2014 06:00:11 AM
g: 0 Posted By: jess888
Views: 151 Replies: 4 Some deserving seniors I know are about to search for a house to buy for the first time. Any tips? Things like how to know if you are getting a fair deal, what to watch out for, etc...?

Thanks in advance!
Personal Finance Deals
DayZ Epoch $4.98
Added on : Wednesday April 09th 2014 06:00:02 PM
g: 0 Posted By: goldpiece
Views: 231 Replies: 0 Bohemia Interactive is having a 75% off sale on Arma 2 games right now. Operation Arrowhead is only $4.98, which is the minimum that you need to run DayZ mod.
https://store.bistudio.com/arma2-games

I've been playing and recommend the DayZ Epoch mod, which is free and turns your Arma 2 game into a multiplayer MMO-like zombie apocalypse virtual world, where you can design and craft custom bases out of raw materials like wood you chop from trees, or cinder blocks and steel which can be found or bought at traders with gold. You can also trade things at several different npc trader camps, salvage parts from cars and aircraft and attempt to repair them, hunt animals and gut them for food, tame dogs, and craft various items.

This game is not for the faint of heart. Beside the zombies, it's full open PvP and when you die your body can be fully looted.

DayZ Epoch gamplay: http://www.youtube.com/watch?v=SeTfkHYJiA4&

DayZ Epoch crafting:
http://dayzepoch.com/wiki/index.php?title=Crafting_System
http://dayzepoch.com/wiki/index.php?title=Modular_Building_Syste...

Installation with Arma 2 Free + Operation Arrowhead: http://kodabar.blogspot.com/2012/05/how-to-install-dayz-with-arm...

Use the Play withSIX launcher to install the Epoch mod, update, and search and sort servers:
http://dayzmod.com/?Download





Video Games Deals
Closing cost fees on a house, are these bogus or "normal"?
Added on : Wednesday April 09th 2014 03:00:08 PM
g: 0 Posted By: spydermonkey
Views: 110 Replies: 2 The mortgage broker I am working with sent me a "worksheet" for the closing cost on a $250k house that Im interested in.

Below is a list of fees on the worksheet. Do any of these seems bogus or is this "normal" and I just need to suck it up as being part of owning a house?

Processing Fee - $500
Underwriting Fee - $550
Appraisal Fee - $400
Closing/Escrow Fee - $750
Lender's Title Insurance - $937.31
Owner's Title Insurance - $282.89
Mortgage Recording Charge - $330$3,750 totalThis doesn't include the others things that I expect like down payment, insurance reserves, tax reserves, etc.
Real Estate Deals
Where does one find a financial advisor?
Added on : Wednesday April 09th 2014 12:00:11 PM
g: 0 Posted By: Bonedock
Views: 78 Replies: 2 We are considering working with a financial advisor. Although I've been very cynical, I am sure that we need a professional managing our portfolio at this point. I've managed our finances my self until now. Our current portfolio is well diversified.I've been fortunate to earn a stable high income for over a decade, and so, our portfolio has grown to the point where we are uncomfortable continuing to manage things alone. We've interviewed several candidates, but they all seem to have the same conflict of interest. Any advise is welcome.
Personal Finance Deals
Free Kindle Books- AFRICAN WILDLIFE GUIDE & SAFARI GUIDE TO AFRICA
Added on : Wednesday April 09th 2014 02:00:09 AM
g: 0 Posted By: remick
Views: 45 Replies: 0 AFRICAN WILDLIFE GUIDE - A Complete Pictorial Guide to the Wildlife of Southern Africa (Virtual Safari Series)
http://www.amazon.com/gp/product/B00EOQ4TSU

AFRICAN WILDLIFE GUIDE is a fully illustrated and complete A-Z guide to the wildlife of Southern Africa. It's crammed with beautiful photographs and interesting facts. This would make a great companion guide when visiting the game parks of Africa, or as an interesting reference guide for anyone who wishes to learn more about the fascinating wild animals of Africa



SAFARI GUIDE TO AFRICA - A Pictorial Guide of the Top 10 Best Safari Destinations in Africa (Virtual Safari Series)
http://www.amazon.com/gp/product/B00ERYPQAY/

SAFARI GUIDE TO AFRICA is a beautiful and informative pictorial guide to the most exciting and popular safari destinations in Africa.This book highlights a fascinating collection of stunning and spectacular African safari parks. A wide selection of adventure safaris is catered to - from floating down the waterways of the flood plains of the Okavango Delta in a mokoro, to floating above the Masai Mara in a hot air balloon, or riding over the desert dunes of the Namib on horseback, or even enjoying the tranquility of a houseboat safari on the Chobe river in Botswana. From game drives to photographic safaris - there's a hugely diverse list of places to see and things to do and experience. Amazing wildlife, spectacular landscapes - if you are planning an African Safari in the near future, or just daydreaming about going on one, this book with its beautiful photographs and useful information is the perfect place to start.
Books & Magazines Deals
yet another job offer advice thread
Added on : Tuesday April 08th 2014 03:00:05 PM
g: 0 Posted By: Krazen1211
Views: 170 Replies: 5 Me: 27, financially stable, own a home. unmarried, no kids. Philadelphia metro. Without stating too much about my current occupation, I do IT work.

Job C (current): $82k base. $9k bonus (just paid). $10k vesting stock over 6 years. average 401k, mediocre health care. Expect 2-3% raises. 15 minute commute. Job is stable. Kind of lukewarm towards it. Decent work but some frustrating colleagues.

Job A (offered): $110k base offered (3% higher taxes here). No bonus. average 401k, free (employee) health care. No idea what to expect on raise. 45 minute commute. 1 day telecommute explicitly provided for (after 3 months). It's a subcontractor on a 3 year contract, but I don't look at things beyond 3 years anyway. Breezed through the interviews on Thursday and Friday, got a verbal offer within hours and written offer a couple hours ago. Requires DoD clearance, which I already have. I get the feeling they want me pretty badly. They've had my predecessor sitting on the bench for a while because he couldn't get cleared. They moved quickly

Job B (interviewing): 2nd round of interviews coming up this Friday. 45 minute commute They unfortunately move somewhat slowly.


Work is substantially the same in all 3 places. FWIW most of the jobs I've applied for have been in the $115k + bonus range.


What's the play here? I started interviewing elsewhere because I was coming up on the 2.5 year mark on job C and wanted to see what's out there in terms of money.


I tend to figure: Counter A with a figure in the high $120s or so, attend interview B on Friday and see how it goes.


Thoughts?


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

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

Anything else I am missing?
I will update this thread as I get the actual contract in hand and negotiate with the contractor.
Real Estate Deals
Using Specality Reselling Apps for Fun and Profit
Added on : Tuesday April 08th 2014 07:00:09 AM
g: 0 Posted By: BADADVICE
Views: 146 Replies: 2 I was at a garage sale this weekend and there was a guy there who had an interesting setup. He had some sort of miniature bar code scanner and was going through books, video games, and other stuff, scanning everything he could moving pretty quick (one item every 2 or 3 seconds). He would scan, look at his phone, either keep the item or put it back, then move on. He was just steam rolling through a whole table of books when I saw him, so I asked him about what he was doing. He said he had an app that would tell him if he could profit by reselling an item online. I went home and looked it up, it looks like he was using Profit Bandit,but I'm not 100% sure.

Does anyone here have any experience with the rapid-fire profiteering apps? I thought I was doing good spending 45 seconds to look up clearance items from the Target endcaps on eBay/Amazon using my phone manually, but he could easily look up ten things in the time it takes me to do one. It seems like there could be a lot of potential at garage sales, used book shops, and thrift stores.
Discussion Deals
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
Best way to give car to family member in another state?
Added on : Monday April 07th 2014 07:00:08 PM
g: 0 Posted By: bytem3
Views: 155 Replies: 1 I am planning to gift my current vehicle in the near future to a family member that lives in another state. This is/was my first vehicle (and purchased outright, used from the dealer), so I'm not even really aware of the ways in which things could go sideways. That's why I'm posting here - "FWF, you're my only hope!"

Presumably, this varies by state/DMV, but what kinds of situations/technicalities (legality/liability, tax, transferring tags/registration, etc.) do I and the recipient need to be aware of in gifting my car to them and what is the best way to go about doing it? It is currently registered in my name, as are the insurance and tags. As far as timing, the transfer would happen a couple months following tag renewal.
Personal Finance Deals
Free app for iPad - Kids Count Money USA, was $1.99
Added on : Monday April 07th 2014 06:00:04 PM
g: 0 Posted By: bernord
Views: 171 Replies: 0 Suggested for ages 6-8.

From the app description:
Help your child learn the basics of math with money!
Features six game modes to present the different ways in which money can be used: Buying things, Giving change, counting piggy bank contents, comparing amounts, and more!

Parents can switch the difficulty between coins and bills to suit the needs of their child.
Stars are earned as the game is played, and each star helps fill the night scene, giving a goal to strive towards.
Bright, colorful and cute characters pop up frequently, providing an entertaining and engaging app for children to enjoy.

This app does not contain any in-app purchases.


https://itunes.apple.com/us/app/kids-count-money-usa/id853498167...

Free until April 10 2014, usually $1.99
Totally Free Deals
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
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!
lnt.com 25% off code good 04/05/14 only
Added on : Saturday April 05th 2014 10:00:06 AM
g: 0 Posted By: DaysFan
Views: 189 Replies: 0 Easter Sale starts now! Browse our top categories that are filled with great deals. Everything from Bedding to Outdoor cushions, we have everything you need for the upcoming Spring season.25% off Coupon Code:BUNNY25
http://www.lnt.com/
Bedding Deals

Linens 'n Things Coupons
$272 worth of CAKEWALK audio software free.
Added on : Saturday April 05th 2014 09:00:03 AM
g: 0 Posted By: disenchanted
Views: 96 Replies: 1 $272 worth of CAKEWALK audio software free.

Free! - Cakewalk Audio FX 1 Download

List Price $49.00
Your Price $0.00

SKU 35-CWF11.02-10E

Cakewalk Audio FX 1 is a series of four dynamic real-time audio processing plug-ins including Compressor/Gate, Limiter, Expander/Gate, and Dynamics Processor.
Audio FX 1 plug-ins use 32-bit, floating-point processing, providing you with fast, precise, mono and stereo audio effects. Audio FX 1 can be used as real-time effects during playback, or used to render audio tracks as off-line edits. So you get maximum editing flexibility whether you're mixing tracks at home or in the studio. For Windows 98/ME/2000/XP.
link



Free! - Cakewalk Audio FX 2 Download

List Price $49.00
Your Price $0.00

SKU 35-CWF21.01-10E

Created by precise measurement and analysis, Audio FX 2 uses advanced processing algorithms to apply the classic sound and warmth of several different vintage guitar
amplifiers and analog tape decks to your digital audio. Best of all, these plug-ins allow you to get all of the good things associated with vintage gear, such as their
distinctive sound and warmth, without the problems and undesired effects that older equipment often have.



link



Free! - Cakewalk Audio FX 3 Download

SKU 35-CWF31.01-10E

List Price $79.00
Your Price $0.00


Now you can make audio tracks sound like they were recorded in almost any room you can imagine. Cakewalk Audio FX 3 SoundStage allows you to design acoustic environments in which to play back digital audio, resulting in unique, realistic reverb. Audio FX 3 Features Two Views: Performer's View and Room View. To create the perfect room, just click and drag your mouse to move walls and change ceiling height. Choose from different microphones, and place them inside the room. Then assign each audio track to different "performer" positions to hear custom reverb on each track. When youre finished, save your soundstage for other sessions, or use as a template for other designs. Audio FX 3 includes ready-to-use soundstages too.


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SFZ+ Professional Download

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List Price $60.00
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rgc:audios revolutionary SoundFont player sample-playback engine, packed in a professional VST/DXi instrument.
Outstanding sound quality, stereo built-in effects, adjustable CPU/quality settings to adjust it to your hardware, fully multitimbral operation, multiple stereo outputs,
several loading modes including direct-from-disk streaming and a beautiful interface make sfz+ the perfect choice for SoundFont users and professional composers.



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Square I Download

SKU 35-CWSQ1.40-20E

List Price $35.00
Your Price $0.00



The warmness and classic sound of the vintage analog synthesizers, combined with the fidelity and precision of a VST instrument.
A simple synthesizer, oriented to the serious music enthusiast. High quality sound with a warm and easy layout, perfect to learn synth programming: all controls in one panel
for instant access, clear and distinctive sections. The built-in effects add depth to the sound and convenience to the sound programming.



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Other monthly specials:

link to other specials
Catering size PDQ Chicken Tenders doubled for free April 5-7
Added on : Saturday April 05th 2014 04:00:04 AM
g: 0 Posted By: loveusa
Views: 135 Replies: 0 Just saw this last night in store at Old St. Augustine, Jacksonville, FL location.
Catering sizes of 25 ($30) or 50 ($?) doubled for free this weekend.
So you would get 50 tenders for $30 or 100 tenders for $?. (Sorry, I thought I had brought back the catering menu, but I can't find it.)
http://www.eatpdq.com/

They are not as good as Publix's tenders, but they are good. Definitely a hot deal if you are having an event this weekend.
I also tried 2 of their shakes. They come with monster sized straws (twice the diameter of reg straws) b/c they have pieces in them. I tried the Salted Caramel and it was really good, with little pieces of butterscotch chips. My husband had the Oreo and said it was good. I tried it after the Salted Caramel, but my taste buds were too overloaded to really taste the Oreos.

I also tried the apple slices with their toffee dip which I think is made of marshmallow fluff, toffee pieces, and other things. Really good!

Fries were good. 1 Basket fed my family. It's not huge, but plenty. Probably equivalent to a XL fry at McD's.
Food 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
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Added on : Friday April 04th 2014 04:00:02 AM
g: 0 Posted By: sngbum
Views: 3 Replies: 1 I've bought this toy storage mat before, wanted to buy another (my 4 yr old is playing with LEGO all day long) and found out that it is 50% off now ($39.99->19.99). This toy bag is perfect for containing small things that get played with, such as LEGO blocks, toy cars, stuffed animals etc. The bag opens completely to create a play mat, when you're done playing you just bag everything and put it in a drawer or hang it on a wall. I realized the bag can be used for storing craft supplies that are often awkward and bulky.

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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.

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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!
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Planning on renting out my house, write off repairs?
Added on : Thursday April 03rd 2014 03:00:07 AM
g: 0 Posted By: flashburn
Views: 127 Replies: 1 I've been living in my house for about 6 years and in the next year or so I'm planning on buying a new house, and renting out my current house. In the meantime, there are some repairs I need to do, like painting the house, buying a new A/C unit, new carpet, etc. From what I've read, I can't write off this stuff as "repairs" since it wasn't done by a tenant, but what about depreciating them? Can I make the repairs now, and then still write them off as depreciation on my taxes once I'm renting out the property 6-8 months later? Or do I need to wait until I'm actually renting out the property to do these things?
Question Deals
g: 0 Posted By: remick
Views: 149 Replies: 0 http://www.amazon.com/ALGEBRA-WORDS-Strategies-Simple-Explanatio...

If you are seeking clarity and success in algebra, this is the book you are looking for. Think of this as an extra voice in your ear, translating the math into words, explaining what things mean, giving you clues to look for, and telling you how to solve problems.

This guide focuses on all the important topics of algebra including:
-Linear Equations
-Systems of Linear Equations
-Factoring
-Trinomials
-Quadratic Equations
-Complex Rational Expressions
-Powers and Radicals

This book explains this seemingly complicated subject through unique sections you won't find in any other study guide such as:
-Obscure Properties of Zero, One and Negatives
-The Real Order of Operations
-The Prime Number Multiples Table
-Is 51 a Prime Number?
-GCF vs. LCD
-What Does "Undefined" Mean?
-Parallel & Perpendicular Lines on a Graph
-What Does "Solving in Terms of" Mean?
-The Wrong Way to Simplify a Rational Expression
-The Part Everyone Forgets (The Last Step of the Quadratic Equation)
-Special Words for Special Cases
-Prime vs. No Solution
-The All-LCD Method
-Cross-Multiplying vs. Cross Cancelling
-List of Common Radical Fingerprints
-Manipulating & Simplifying Radicals
-The Two Meanings of "Cancelling Out"
-What Does "Error" on a Calculator Mean?
-Scientific Notation on Your Calculator
-FMMs (Frequently Made Mistakes).

This book contains:
-Step-by-step instructions
-Annotated examples
-Detailed descriptions
-Hyperlinks for quick and easy topic reference

And:
-will help you process what you see and hear
-will tell you how to write and speak the math
-highlights the most commonly made mistakes
-connects key topics that cross through different chapters

With its easy click-able index and hyperlinks, this is the perfect resource to keep on any smart device to help you with homework or prepare for an exam. It will help any high school or college student solidify the important fundamentals used in Basic Math, Introductory Algebra, Elementary Algebra, Intermediate Algebra, College Algebra, Pre-Calculus and Calculus.
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g: 0 Posted By: DaysFan
Views: 135 Replies: 1 Men's City Down Vesthttp://www.landsend.com/products/mens-city-down-vest/id_268189?CM_MERCH=OTC


Item #432517-7Q0Share this product$85.00 NOW $32.00City living.

For best fit, size up one size
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We updated a cold-weather layering staple with a button closure for a modern edge. 600 fill power down insulation provides superior warming power, the water-repellent finish sheds rain and snow to keep you dry, and the fleece lining provides soft comfort. Large angled-welt pockets with hidden snap closure keep your things easily accessible and secure. And interior mesh pocket bags are a convenient spot to stash gloves, a hat or sunglasses when you step inside a store. 100% polyester. Machine wash. Imported.
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Would you sell a used defibrillator?
Added on : Wednesday April 02nd 2014 07:00:09 AM
g: 1 Posted By: Treefarn
Views: 121 Replies: 2 I have been selling stuff on eBay for a few years, mostly phones and electronics. Knowing this, as my father winds down his business operation, he has been bringing me office electronics and things to try to sell for him. Today he brought a defibrillator.

He states its never been used, though obviously it is not in its original packaging, as it was mounted on the wall of the office warehouse. The battery still shows as functional (its got a blinking light to show its still powered). The pads are expired but can be purchased from the maker. It sells used for > $1000.

While the 'let the buyer beware' policy is always in effect for used merchandise, I feel a little leery selling this. If a phone I sell doesn't work, someone can return it. If it doesn't work 6 months later, buy a new phone. If the defibrillator fails, someone's dead. Am I liable? No idea.

Would you sell this? Am I right to be cautious? (And would you want to work in an office that buys used defibrillators for its employees?)

​(I put this on this forum (rather than online auctions) as I am concerned about the liability, not the mechanism of sale).
Discussion Deals
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!
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g: -2 Posted By: SirWilll
Views: 304 Replies: 2 Woot 1 Day OfferThe Wheeler Delta Series AR Armorers Essentials Kit contains all of the essential tools a gunsmith or armorer needs to complete a full rifle build, make repairs or perform normal maintenance on AR-15/M16 platform rifles. Each of these tools was designed with specific features in mind to make things easier for you. They are made of the highest quality components to deliver the best performance. This 9-piece Armorer's Kit has all the vital tools needed to work on an AR-15/M16 rifle.

Vital tools to build and maintain your AR-15
Upper vise block clamp with gas tube alignment tool
AR armorers vise
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Roll pin installation tool
Torque wrench
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AR-15 adjustable receiver link
AR-15 Combo Tool:
- Cut out for 3/4" flash hider
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- HexKey 7/64" bit
- TorxDrive T10 bit
- TorxDrive T15 bit
- TorxDrive T20 bit
Adjustable for any style barrel
Ensures proper torque
Easy access for cleaning
Custom fitted carrying case

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Tips on taxes for self employment income
Added on : Monday March 31st 2014 12:00:04 PM
g: 0 Posted By: Lurker44
Views: 183 Replies: 3 This year I am expecting 50-70k in self employment income (profit) from paypal. Any tips on how to reduce the tax burden of this? I work from home, but sometimes travel around and work from different locations. What kind of things would I be able to deduct?
Tax Deals
Tips on self employment income
Added on : Monday March 31st 2014 11:00:08 AM
g: 0 Posted By: Lurker44
Views: 2 Replies: 0 This year I am expecting 50-70k in self employment income (profit) from paypal. Any tips on how to reduce the tax burden of this? I work from home, but sometimes travel around and work from different locations. What kind of things would I be able to deduct?
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g: 2 Posted By: remick
Views: 230 Replies: 0 http://www.amazon.com/dp/B005OYUI3Q

4.5 out of 5 stars (31 customer reviews)

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



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

4.9 out of 5 stars (16 customer reviews)

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



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

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



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

4.7 out of 5 stars (15 customer reviews)

Dream chasing is difficult to do. Put in the responsibility of being a spouse and a parent into the mix and some days it feels pretty impossible. In this book I will talk about chasing dreams and visions for your life while you have a family. It is important to chase those things that have been put inside of you, but not at the extent of your faith walk or the health of you and your family. This book is all about laying a firm foundation. By firming up your foundation you will be able to reach your dreams quicker and it will be much more fulfilling. The great thing about Dreams That Last is it is not some theory. It is real life failures, defeats, and victory. Step into all that God has for you by chasing your dreams the right way!
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Petsmart $3 off $10, $4 off $15, $5 off $50 Online Only
Added on : Saturday March 29th 2014 09:00:09 PM
g: 3 Posted By: Bozo
Views: 1659 Replies: 7 I searched but did not find anything recently posted about the new codes for PETsMART.
$3 off $10: BDAY3CAT14
$4 off $15: BDAY3DOG14
$5 off $50: PET3PERKS14

Hope someone can use the savings. I used the $4 off $15 and it worked fine. You can also use other things like 4% CB via FW.

http://www.petsmart.com/
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PetSmart Coupons
Petsmart $3 off $10, $4 off $15, $5 off $50
Added on : Saturday March 29th 2014 01:00:07 AM
g: 1 Posted By: Bozo
Views: 233 Replies: 0 I searched but did not find anything recently posted about the new codes for PETsMART.
$3 off $10: BDAY3CAT14
$4 off $15: BDAY3DOG14
$5 off $30: PET3PERKS14

Hope someone can use the savings. I used the $4 off $15 and it worked fine. You can also use other things like 4% CB via FW.

http://www.petsmart.com/
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PetSmart Coupons
g: 2 Posted By: remick
Views: 347 Replies: 0 http://www.amazon.com/Rethinking-Internet-Things-Connecting-Ever...

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

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

This must change. The architecture of the
Internet of Things must evolve now by
incorporating simpler protocols toward at the edges of the
network, or remain forever inefficient. Rethinking the Internet of Things describes reasons why we must rethink current approaches to the Internet of Things. Appropriate architectures that will coexist with existing networking protocols are described in detail. An architecture comprised of integrator functions, propagator nodes, and end devices, along with their interactions, is explored.
Books Deals

Amazon Coupons
g: 1 Posted By: VivYip
Views: 197 Replies: 4 the ad is up on Staples website.

nothing much in hot deal yet other than the 20% coupon
Retail Coupon Code: 56229
Valid 3/30/144/5/14 in Staples U.S. stores only. Limit one coupon per customer. Cannot be combined with any other coupons. Not valid on desktop or laptop computers, tablets, netbooks, Apple products, Bose products, Amazon Kindle, Epson ink and toner, HP ink and toner, custom printing orders placed online, gift cards, mobile phones and mobile phone services, Staples EasyTech(sm) professional-grade and on-site services, depot repair and parts, phone cards or postage stamps. Each item purchased can only be discounted by one coupon, applied by cashier in the order received and prior to tax. Coupon not valid if purchased or sold and must be surrendered. No cash/credit back. Not valid on prior purchases or purchases made with Staples Procurement or Convenience Cards.

paper related (maybe coupons to make it better)
$9.99AR 5-ream 990176 ($17 rebate) (limit 4)
$3.99AR Hammermill 8.5" x 11" Copy Plus copy paper, 500 sheets/ream (limit 4)
$25 off 2 10 ream case

ink recycling related
Spend $60 in HP ink or $200 HP toner, $4/recycled cartridge (limit 5)
Limit 5 per customer. Multipack toners count as one.
Valid 3/30/144/5/14: Limit of 5 recycled cartridges will earn $4 back during the promotion. Purchase $60 of HP ink or $200 of HP toners in one transaction and earn $4 back in Staples Rewards on ink and toner cartridges recycled on same day of qualifying qualifying purchase for in-store purchases, or within 7 days for delivery purchases. Price eligible for meeting minimum spend requirement is amount paid at checkout after application of all promotions, coupons, instant savings and rewards redemptions and does not include tax or shipping. Standard monthly recycling rewards will be excluded from recycled cartridges earning $4 back. Standard limit of 10 cartridges per calendar month per customer still applies regardless of amount earned per recycled cartridge

front page related
$279.99 576297 Toshiba laptop with Intel Celeron Processor
$29.99 917640 Staples 8-sheet compact cross-cut shredder

other
$99.99 887222 Brother HL-2270DW wireless laser printer (maybe use the coupon on it if possible to drop price to $79.99 OTD)
$19.99 Logitech M317 and M325 wireless mice

only if you must need these things?
$15 Staples letter/legal-size economy storage boxes,
$15 10/pack or Bankers Box, SmoothMove, 8/pack

cleaning related?
$5/2 Cloroxdisinfectant wipes, 35/pack - lemon scent
$5/2 Febreze air effects
$9.99 Charmin Basic bathroom tissue, 24 double rolls
$9.99 Bounty basic select-a-size paper towels, 12 large rolls
$5/2 Kleenex standard facial tissue, 2 boxes/pack (160 sheet ct/box)

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

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

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

Generally, I'm washing my hands of it, but for my own personal benefit I'd like to have some idea of whether my dad just got completely run over or if this is an actual benefit at NM. (he's pretty giddy about the good return he got over the last year, since obviously middle of 2012 to now was a good time to be in more aggressive funds).
Investing Deals
g: 1 Posted By: remick
Views: 172 Replies: 0 http://www.amazon.com/dp/B00BS1FT9M

4.5 out of 5 stars (68 customer reviews)

"SAT Preparation: The Black Book & The Blue Book Are All You Need"
No SAT vocabulary lists | No annotating | No math drills | Just an SAT book that actually works
The "SAT Prep Black Book" gives you unique, effective SAT strategies from Mike Barrett, a SAT tutor with clients all over the globe who pay him hundreds of dollars an hour for phone tutoring. The Black Book is a must-have, whether you need to
make a perfect 2400 to be competitive at an Ivy,
score a 450 in each section to claim a sports scholarship,
or anything in between.
The Black Book works best when used with the authentic SAT questions in the Blue Book, which is the College Boards Official SAT Study Guide. The Black Book shows you how to beat the SAT, while the Blue Book gives you real SAT questions to practice with. (The SAT Prep Black Book has no affiliation with the College Board.)
The Black Book and the Blue Book are all you need to get your best possible SAT score.
The Black Book is the ideal SAT book for 3 major reasons:
It actually works, making it unique in the SAT prep field. There are no lists of SAT vocab to memorize or anything like that. Instead, you'll exploit design flaws in the SAT, using its own SAT tricks" against it.
The Black Book contains 250+ solutions for real SAT questions from the Blue Book, so you know it actually works. (You'll need the 2nd edition of the Blue Book to use these solutions.)
The Black Book is a clear, concise roadmap to the SAT. (See the table of contents below). It explains exactly how every SAT question works, and how to beat it in the least time possible.

SAT Book Table Of Contents (Selected)
Be sure to check the look inside feature or the free Kindle preview. Heres a selection from the table of contents:

F.A.Q.
Setting (the right) goals
How to train for the SATmastering the ideas in this book
Only work with SAT questions from the College Board!
A word on SAT guessing: Dont
How to avoid careless errors
Where to find missing points
Time management
The SATs big secret
SAT Passage-Based Reading
The big secret of SAT Reading
SAT Sentence Completion
5 reasons memorizing vocabulary isnt the best idea
What if we dont know enough words?
SAT Math
The big secret of SAT Math
The 2 critical components of SAT Math success
The SAT Essay
SAT Writing multiple-choice
How to improve on the Writing section
Being an SAT machine
8 things you thought you knew about the SAT are wrong
The nature of elite scores
Advice for non-native English speakers
A final piece of advice
Totally Free Deals
PayPal hassle
Added on : Monday March 24th 2014 09:00:18 AM
g: 0 Posted By: shinobi1
Views: 215 Replies: 3 PayPal is doing it to me again today. On background:

I always try to pay for my eBay auctions the same way: through PayPal using my Priceline card so I get the 2% discount.

Couple weeks ago, when I did the "pay now" thing at eBay and went over to PayPal, there was no "change" (meaning change method of payment) option showing. I made the mistake of just logging in to PayPal. It was a mistake because they instantly paid for that auction out of my bank account which cost me money. But importantly a day or two later, when I needed to pay again, everything had returned to normal, "change" appeared and I could click it and put the payment on my CC. And that's how things have been for the last couple of weeks . . . . . until today:

Now it's back again to where there's no "change" option. This time I knew enough not to put in my password since there was no opportunity to click "change" first (even when you click "change" you still have to enter your password, but instead of just paying straightaway it then gives you a chance to change over to CC payment).

I telephoned PayPal. They are having all kinds of problems and issues, but they seemed unaware of this situation. Anyone else get hassled like this? Anyone have any ideas? I want to pay with my CC and not with my bank account.
Discussion Deals
Retailers sends wrong product, wants to charge to correct it
Added on : Friday March 21st 2014 08:00:17 AM
g: -1 Posted By: medion
Views: 89 Replies: 3 Long story made short, my wife broke the remote to our 6 year old Samsung HDTV. I looked at generic universal remotes, but opted instead to go the OEM route. Ordered from this page:

http://www.samsungparts.com/Products/Parts_and_Accessories/PID-B...

After shipping and handling charges, the order came to $53.25. When I got my shipping notice, they instead shipped me this item:
http://www.samsungparts.com/Products/Parts_and_Accessories/PID-B...

Despite the similar price on their website, trust me when I say that these are NOT equivalent items. I called them and this is what they confirmed for me:

When they are out of stock or back ordered, they will, as a courtesy and at their discretion, substitute a "comparable" item. There is no need for them to provide notice to the customer for this.
I may return what they send me within 30 days. However, I must pay return shipping, and they will only refund the $42, not the $53.25 that I paid.

I find this to be unacceptable. But, I don't want to jump the gun and issue a chargeback yet. Wanted to see what the FWFers have to say on this matter.

Some things I've considered (I'm a smartass):

issue chargeback (strongly considering this)
tell them that they can have their remote back that they accidently shipped to me, provided that they pay shipping (strongly considering this)
remove the remote, insert my broken remote and/or a rock and tell them, "as a courtesy and at my discretion, I have substituted a comparable item and did not see a need to notify you of this." (not seriously considering it, because it's wrong on so many levels, but so tempting...)

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Might sell business...how much to be financially independent
Added on : Friday March 21st 2014 06:00:13 AM
g: 0 Posted By: arilin
Views: 0 Replies: 0 I might sell my business, it's in the negotiation phase and I'm wondering if I should do it. Pro: stock gets bought, paid out over 4 years. Con: I'd have a boss and be working for someone else.

If I "sell out" I want to not have to worry about money too much. That is, work jobs that are interesting, or start another business later. I'm wondering what my number should be...after taxes, how much should I (minimum) require. I'm in a high cost of living area (one of highest in country) right now.

I'm in my early 30's. I'm thinking that 3M payout is my minimum. It should help pay for a house and provide cash for kids and a lower-pay job if I'd like to do that better. I could maybe retire early. Is that reasonable? I've been working like crazy on this company, so I'm hoping to get a fair deal... any other things I should ask for?
Popeyes - 8pc $5.99 - Payday special
Added on : Thursday March 20th 2014 04:00:02 PM
g: 0 Posted By: JaxFL
Views: 181 Replies: 1 Was having lunch today and saw they are having special on the 27th, or possibly 26th. Sorry lunch was hours ago, and i guess im getting old, though I can remember obscure things, lol. "Payday Special" was what its called.
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g: 0 Posted By: catanpirate
Views: 96 Replies: 1 Hi all, thanks in advance for your help. My family is going through many transitions at once (my head is spinning), and I wanted to ask for some wisdom to make sure I don't overlook things. I don't have a lot of experience navigating these things.

My wife is 39 weeks pregnant. I currently work as an RN, but have accepted another position in another state starting at the end of April. My wife is currently insured under her employer; I am under mine. Adding the baby to her plan would be prohibitively expensive. We would like to add the baby to mine, but of course, I am resigning this position and taking another one. How does this sound for a plan: have the baby, put the baby under my insurance, give 2 weeks notice, have me and the baby on COBRA, sign us both up for insurance at the new place. My wife will continue her insurance with her employer as she can work remotely from out of state.

Please let me know if there's any clarifications I can add. I'm already confused
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g: 1 Posted By: MrsGuin
Views: 210 Replies: 1 http://www.amazon.com/The-Kids-Outdoor-Adventure-Book-ebook/dp/B00EAIF4BI/ref=zg_bsms_digital-text_4
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Continuing Education for (Fun and) Profit?
Added on : Sunday March 16th 2014 02:00:05 AM
g: 0 Posted By: Dus10
Views: 0 Replies: 0 While it is not good, I am sure that I am not alone in having student loan debt here on FWF. I am working to pay it down, however, and I have come up with a (likely unoriginal) strategy to reduce my interest payment.

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

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

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

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

What other options are out there? Things that you normally wouldn't use but the free/discounted rate makes it affordable for you? Things you already use that would become less expensive?
YMMV Lowes B&M-Dewalt DWM120 Portable Band Saw $149
Added on : Friday March 14th 2014 08:00:05 PM
g: 0 Posted By: Sluggo
Views: 183 Replies: 0 Was in Lowes tonight and grabbed a Dewalt Portable band saw at 50% off. Awesome Deal. You rarely find these things on sale.

http://www.lowes.com/pd_30714-70-DWM120_0__?Ntt=30714&UserSearch...

SKU# 30714

http://i.imgur.com/lj6qDnf.jpg
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Lowe's Coupons
g: 2 Posted By: Deals4mykids
Views: 260 Replies: 0 Having launched Google Drive just two years ago, were excited that so many people are now using it as their go-to place for keeping all their files. Whether it's all the footage of your kids' baseball games, the novel you're working on, or even just your grocery list for the week, we all have files that are too important to lose. Today, thanks to a number of recent infrastructure improvements, were able to make it more affordable for you to keep everything safe and easy to reach on any device, from anywhere.

We've lowered the price of our monthly storage plans to $1.99 for 100GB (previously $4.99), $9.99 for 1TB (previously $49.99), and $99.99 for 10TB, with even more storage available if you need it. How big is a terabyte anyway? Well, thats enough storage for you to take a selfie twice a day for the next 200 years and still have room left over for shall we say less important things. Like before, storage continues to work across Drive, Gmail and Google+ Photos. And, of course, the 15GB plan remains free.

http://googledrive.blogspot.ca/2014/03/save-more-with-google-dri...
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g: 1 Posted By: remick
Views: 187 Replies: 0 http://www.amazon.com/dp/B00AJOWXSO

4.8 out of 5 stars (25 customer reviews)

The New Old Baris a collection of 200 great classic cocktail recipes that takes the fear out of entertaining and demystifies the party-throwing experience. Much more than an assortment of vintage cocktails (plus 25 terrific small dishes to enjoy while you drink them),The New Old Baris a how-to manual on bringing mid-century cocktail culture to your home bar.
Authors Steve McDonagh and Dan Smith comprise the Chicago restaurant and catering duo known as The Hearty Boys, who were the winners of the very first series ofThe Next Food Network Star. The Hearty Boys have catered events for President Barack Obama, and they have fed notables from Oprah Winfrey to Hillary Clinton.
In this fun and beautifully photographed book, McDonagh and Smith tell readers about the proper tools needed for hosting successful cocktail parties, including vital information on bar setup, equipment needs, and proper shaking and blending techniques.
The Hearty Boys have charmed the country with their breezy, insouciant take on food and entertaining, and now they bring the same warmth, humor, and easy expertise to the world of classic cocktails. Drink up!



So You Want To Go Wine Tasting?
http://www.amazon.com/dp/B00HH2M6EM

4.9 out of 5 stars (9 customer reviews)

So you want to go wine tasting? Well, here is a fun, user-friendly eGuide of what to expect in the ever-exciting world of wine tasting and touring in Tasting Rooms. Designed for someone who considers themselves a rookie or a newbie to wine. This guide will delve into Tasting Room etiquette, how to taste wines, things to avoid that will blow your rookie cover, getting technical and having fun with descriptors, as well as some cool stats to impress your friends. It is designed to be easily downloaded to your digital device on the day of your wine tasting adventure. So let's go wine tasting and be sure to bring along your embarrassing purple-teeth cohorts.


Game Day Appetizers and Super Snacks
http://www.amazon.com/Appetizers-Super-Snacks-Delicious-Recipes-...

4.4 out of 5 stars See all reviews (17 customer reviews)


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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.
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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
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Recharacterization Reversal Roth
Added on : Wednesday March 12th 2014 02:00:11 PM
g: 0 Posted By: jmailey
Views: 38 Replies: 2 Well Guys,

I need some advice here

Last year i put in a contribution into Roth ira for 5500 and it turned to 230k, My income limits exceeded the eligibility this year. So at that point i thought i was in eligible and did a recharacteriztion to Traditional IRA.. While the paperwork was being done by broker, I found later,i would be better off keeping it in the Roth IRA and paying a Penalty on contributions of 6% (330).. I called the broker yesterday/and emailed insiting on canceling this process. The right people to do this had already left for the day as this was 7pm at night. I woke up this morning all the funds have been moved into a Traditional IRA, i guess it was an overnight batch process that was set off. Talked to broker, sent a notarized email saying i made a mistake and would like this reversed as this action never happened.Thebroker is still waiting on the clearing house to see if it can be done. Im a little concerned here obviously the cost of this mistake is huge if i cannot get it back to the roth IRA.. Just in today's valueon a cash out its 80k in taxes, i don't retire for another 30 years, who knows what it'll be then. Has anyone had any luck inReversing a Recharacterization? I keep readingthings but sometimes i think the language of convert and recharacterize are being used interchangebly but they have2 different meanings.


Thanks in advance
Investing 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
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g: 7 Posted By: remick
Views: 990 Replies: 2 The Children's Busy Book: 365 Creative Learning Games and Activities to Keep Your 6- to 10-Year-Old Busy
http://www.amazon.com/Childrens-Busy-Book-Activities-10-Year-Old...

365 fun, creative activities to stimulate your child every day of the year. The Children's Busy Book is from the line of all-time #1 selling line of Busy Books.
365 fun, creative activities to stimulate your child every day of the year This book contains 365 activities (one for each day of the year) for six- to ten-year-olds using things found around the home. It shows parents and day-care providers how to: ?? Prevent boredom during bad weather with games, kitchen activities, and arts-and-crafts projects. ?? Stimulate a childs natural curiosity with entertaining math, reading, writing, science, geography, and fine-arts activities. ?? Encourage a childs physical growth with fun outdoor activities. ?? Foster a childs emotional growth with fun family-centered and social activities. ?? Celebrate holidays and other occasions with special projects. ?? Keep children occupied during long car trips. The Childrens Busy Book is written with warmth and sprinkled with humor and insight. It should be required reading for anyone raising or teaching school-age children.


The Playdate Busy Book: 200 Fun Activities for Kids of Different Ages
http://www.amazon.com/Playdate-Busy-Book-Activities-Different-eb...

In The Playdate Busy Book (previously titled The Siblings Busy Book) authors Hanson and Kempskie have outlined 200 activities that all the kids can enjoy together (ages 3 months to 9 years). Each activity write-up includes ways for babies, toddlers, preschoolers, and school-age kids to join in the fun. As in other Busy Books, the activities range from arts & crafts, seasonal decorating, outdoor adventures, and imagination stretchers to making music, learning together, and rainy-day family fun.


New on 3/12

Kids Party Themes: Party planning guide to a successful and fun children's party
http://www.amazon.com/Kids-Party-Themes-successful-childrens-ebo...

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g: 0 Posted By: jmunjr
Views: 95 Replies: 0 http://www.newegg.com/Product/Product.aspx?Item=N82E16820148663

Unexpectedly came across this on Newegg today as it did not show up on there normal search. I have this RAM and it works well as advertised. Mixed reviews on overclockability, but I got it for the low voltage and very low profile. These things are short. Sure, not as cheap as a year ago but best price I could find on DDR3 1600 of any kind on Newegg.

16GB (2 x 8GB)
DDR3 1600 (PC3 12800)
CAS 9
Timing 9-9-9-24
Voltage 1.35V
Model: BLS2K8G3D1609ES2LX0

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HOA sponsoring the yearly "neighborhood night out"
Added on : Tuesday March 11th 2014 03:00:08 PM
g: 0 Posted By: skagen
Views: 25 Replies: 1 So my wife is on the board of our HOA. Yes, HOAs are evil, bad things on this forum. Our community has about 400 residences... 25% houses, 75% townhomes.

So on the annual statement/billing, which is only $150 per year so it's not too bad, there's a line item in the yearly budget summary for $1,000 for the annual neighborhood get together (National night out). Apparently, there was an idea that the HOA would contribute to this event (buy food, initially an inflatable jumper (scary, not happening)), which is typically held at a park which is technically city property (a neighborhood park).

Me, I saw it and thought it was totally inappropriate for the HOA to be funding such an event. But I have never been on the board of an HOA and so I'm not really versed when it comes to this.

So a couple of questions -

1) Is it common for an HOA to chip in to an event like this?
2) Are there any legal concerns with doing so? (say food was purchased, some kid has an allergic reaction, etc) - I'm not a lawyer, just know that there are some sue-happy people out there.

I told my wife I had to post this on FW as I feel like there would be a lot of good insight from members here.

Thank you in advance
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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.
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g: 2 Posted By: remick
Views: 183 Replies: 0 The Children's Busy Book: 365 Creative Learning Games and Activities to Keep Your 6- to 10-Year-Old Busy
http://www.amazon.com/Childrens-Busy-Book-Activities-10-Year-Old...

365 fun, creative activities to stimulate your child every day of the year. The Children's Busy Book is from the line of all-time #1 selling line of Busy Books.
365 fun, creative activities to stimulate your child every day of the year This book contains 365 activities (one for each day of the year) for six- to ten-year-olds using things found around the home. It shows parents and day-care providers how to: ?? Prevent boredom during bad weather with games, kitchen activities, and arts-and-crafts projects. ?? Stimulate a childs natural curiosity with entertaining math, reading, writing, science, geography, and fine-arts activities. ?? Encourage a childs physical growth with fun outdoor activities. ?? Foster a childs emotional growth with fun family-centered and social activities. ?? Celebrate holidays and other occasions with special projects. ?? Keep children occupied during long car trips. The Childrens Busy Book is written with warmth and sprinkled with humor and insight. It should be required reading for anyone raising or teaching school-age children.


The Playdate Busy Book: 200 Fun Activities for Kids of Different Ages
http://www.amazon.com/Playdate-Busy-Book-Activities-Different-eb...

In The Playdate Busy Book (previously titled The Siblings Busy Book) authors Hanson and Kempskie have outlined 200 activities that all the kids can enjoy together (ages 3 months to 9 years). Each activity write-up includes ways for babies, toddlers, preschoolers, and school-age kids to join in the fun. As in other Busy Books, the activities range from arts & crafts, seasonal decorating, outdoor adventures, and imagination stretchers to making music, learning together, and rainy-day family fun.
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g: 0 Posted By: edick
Views: 233 Replies: 0 RadioShack.com has theCoolerMaster Hyper 212 Evo back in stock (as of a few days ago) at a price of $31.99. Most other places online sell it for around this price - usually $35. Unless you are ordering other things to total $25 after the coupon, then you have to pay for shipping or do ship to store like I did (which is free).

If you signed up for the RadioShack 10 off 30 coupon, then this is a great item to pick up for any computer build both for cooling your processor and simply for reducing the standard cpu fan noise.

I know many are struggling to find good items to buy with this promotion. I hope this helps.

I was able to stack my upromise CC w/ their standard CB to get an additional 10% Cash Back, as well.

Overall, I have been watching this cooler for awhile and this is by far the cheapest price I could come up with.

Link
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401k plan failed discrimination tests - what to expect?
Added on : Monday March 10th 2014 11:00:10 AM
g: 0 Posted By: theeipi
Views: 38 Replies: 0 Hi,

My 401k plan recently failed the discrimination tests. As a HCE I was given a refund of my excess contributions of $500.XX. I was also refunded my return on the excess contributions of $12X.XX.

I understand the tests, and how things were calculated, and I can only assume the $500 refund was done correctly. What documentation could I expect or am I entitled to for the profit on the excess contributions. It seems 25% is a bit high. If the $500 was refunded from last money in, I would be looking at only 2-3 months of appreciation. If it was dollar cost averaged across the year, I would have needed about 40% returns to justify that amount. If it was calculated from my initial contribution in January of 2013, I still don't think I averaged 25% for the year.

Thoughts on what I could ask/demand from the 401k administers?

TIA
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wilshire rainbow savings
Added on : Monday March 10th 2014 11:00:10 AM
g: 0 Posted By: titan01
Views: 116 Replies: 1 i've had rainbow savings many years ago but close the account about 2 years ago. Just wondering if things have changed since (asking anyone who opened in the past 2 years)

do they still distribute interest on a quarterly basis?

im just wondering if i close a 36 month savings before the 36 months if i would lose all the interest or just anything after the most recent quarterly interest collected

thanks
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Free Kindle Book - The Art of Hacking (was $9.95)
Added on : Monday March 10th 2014 09:00:09 AM
g: 3 Posted By: remick
Views: 386 Replies: 0 http://www.amazon.com/Art-Hacking-Can-Akdeniz-ebook/dp/B00IGXEIH...

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

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

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

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

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

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

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

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

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

This book celebrates the lives and achievements of some of historys greatest hackers: from Tim Berners-Lee to Jack Dorsey, from Leonardo da Vinci to Steve Jobs. Learn about who they were and how they functioned. Discover the characteristics that allow hackers to keep pushing forward, innovating, revolutionizing industries and changing the world.
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Diablo III (PC) - $19.99 @ Amazon
Added on : Sunday March 09th 2014 03:00:04 PM
g: 0 Posted By: st4rdust
Views: 184 Replies: 0 Amazon has Diablo III (PC)for $19.99. Free shipping on orders of $35+. This is also available from GameStop, as pointed out here.That may be a better option for you if you can pick it up in-store.

Diablo 3 has iffy reviews, but I think it really depends on the player. I played Diablo 2 obsessively and just beat 3 on the PS3 as a Witch Doctor. I had a blast playing it and would gladly do so again. The two are very different from each other but for a sequel to such a fantastic game I think this did a good job. There are some things I would change if I could but all in all I would say this is worth $20. Metacritic gave it an 88.

Also worth noting that the Reaper of Souls DLC is coming on March 25th.

The Witch Doctor is a new character reminiscent of the Diablo II Necromancer
The Barbarians will have a variety of revamped skills at their disposal based on the use of their incredible physical prowess.
1-on-1 dueling system coming into play.
Five new character classes, including the otherworldly Witch Doctor, or with re-imagined warriors from Diablo's past, like the powerful Barbarian
Experience a new approach to in-game health as the previous reliance on mana and potions is appended by resource types unique to each class, as well as health globes
In single player quests utilize up to three AI followers, from three different classes who can be equipped with basic items and leveled up
Sell unique items found within the game for in-game gold or real money via online Auction House functionality (note: this ends indefinitely on March 18th)
The new Rune System in which skills and abilities are now automatically unlocked as you level

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g: 0 Posted By: Xenocrates
Views: 219 Replies: 0 LINK

These little Tascam 4 channel interfaces are awesome. I've been watching computer interfaces for years now and have owned 3 different Tascam interfaces.

This is by far the cheapest your going to get into recording with XLR inputs and still have knobs to control important functions like monitor mix, line out, headphones vol., and both input pre-amp levels. These things were almost $200 when they came out a few years back.

Specs:

Provides four audio inputs and four audio outputs (two analog, two digital) for a Windows or Macintosh computer
Two XLR mic inputs
Switchable phantom power (48 volt)
High-quality, low-noise mic preamps
Two analog line inputs (one switchable to high impedance for use with guitars, basses, etc.)
Stereo digital audio input and output (input: SPDIF, output: selectable SPDIF or AES/EBU)
MIDI input, MIDI output
Up to 96-kHz/24-bit for high quality recordings
Zero-latency hardware monitoring with level control and mono switch
Separate controls for output level and headphones volume
USB 2.0 equipped (also supports USB 1.1)
USB-powered, no AC adapter required
Solid aluminum side panels
Cubase LE4 included

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Musician's Friend Coupons
g: 0 Posted By: graymonkey
Views: 202 Replies: 1 http://13deals.com/store/item.php?id=22492You will receive TWO units per order. The color will vary.The Easy Step - Folding Step Stool is a foldable, easy-to-store step stool with literally hundreds of uses! Whether you need to reach the top of your car to clean it or place things on a high shelf, this fantastic stool can help. The compact folding step comes complete with an easy to carry handle so you can carry it to and fro quickly and easily. The Folding Step Stool is perfect to have around the house for all the family to use. Hundreds of uses - cleaning, reaching, lifting, sitting, storing, outdoor use & many more! Handy, sturdy, super tough and durable, very easy to store around the house!

Features:
Foldable step stool is easy to use and transport
235 Lbs capacity
Perfect for cleaning, reaching, lifting, sitting, storing, outdoor use & many more!
Colors may vary
Stools are 9" tall

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Free Ebooks 3-7-14
Added on : Friday March 07th 2014 07:00:11 AM
g: 0 Posted By: jhall1822
Views: 226 Replies: 0 Note: Please make sure these Ebooks are still free as they are not guaranteed at any price! I am only posting 4+ rated books from FreeEbooksToday.com

Six Seconds
Rating - 4.6 (78 reviews)

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

RATS
Rating - 4.8 (14 reviews)

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

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

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

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

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

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

~Her whole life, it had just been the two of them. Before her mothers last breath, she gave Camille the information she had craved her entire life: the identity of her father. Daring to contact him, Camille was welcomed by an entire family she never knew existed. But nothing comes without a price, as she discovers when her family claims a legendary heritage tracing back to a Centaur touched by Zeus.As she learns the secrets of her Centaur bloodline, she is drawn into a forbidden love with Drake. Her family acknowledges her life may be the blood debt required to pay for her mothers transgressions. The same person who once held her mother captive, and forced her into decades of hiding, now controls Camille. Her only chance is to seek a piece of her mothers past that will win her freedom and the life she desperately desires.
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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.
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g: 0 Posted By: Deals4mykids
Views: 101 Replies: 0 There are so many things to do with popcorn, and this E-book will show you how.
You'll learn a little bit about the history of popcorn and how to be successful with every batch. Then see 20 different flavored, colored, fun popcorn recipes to try!
You can get creative and have tons of fun with popcorn.
The possibilities are endless.

http://www.amazon.com/Popcorn-Handbook-Recipes-Techniques-Great-...
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g: 0 Posted By: remick
Views: 246 Replies: 0 http://www.amazon.com/Girl-Used-Know-Yourself--Do-ebook/dp/B005I...

Feel like you have too many things to do, but none of it includes anything for you? Get motivated and learn how to put personal priority back on your to-do list, and rediscover how to reach your goals and dreams. Marla Majewski, founder of Inspire Empire, will provide practical tools to get you back to feeling like the girl you used to know - before kids, marriage and life took over. In The Girl I Used To Know you will learn: Ways to identify qualities and characteristics from your childhood that identify your true passions and lost inspirations. How to appreciate the girl you are. Practical tools to get out of an inspirational rut. Ways to keep the Inspira-Meter on "High". Simple ways to "Inspire It Forward" and help other women reach their personal potential. Unlike other self-help books, this book is not about becoming a person that you have never been. It is about returning to the little girl we all used to be who believed in herself and in the infinite realm of possibilities.
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Free Ebooks 3-5-14
Added on : Wednesday March 05th 2014 07:00:10 AM
g: 0 Posted By: jhall1822
Views: 46 Replies: 1 Note: I only posted the books from FreeEbooksToday.com that have a rating of 4 or more, there are others if you are interested. Please make sure the books are still free on Amazon before purchasing!


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

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

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

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

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

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

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

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

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

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

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

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

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

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

As you read, you'll have the option to read two completely different perspectives on each life lesson.You can start with the artistic account written by Seth, bass player for the southern rock band NEEDTOBREATHE.Or...Dive into Chandler's entrepreneurial story told from the perspective of the younger brother.There are two major benefits that will manifest from reading these intriguing tales. First, your life will gain a fresh new outlook on how blazing new trails can be the perfect addition to your own path.
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Retirement questions
Added on : Tuesday March 04th 2014 06:00:06 PM
g: 0 Posted By: chamberlybright
Views: 57 Replies: 3 Hi everyone, I'm just starting out in life in the world and has been looking into financial stuff for awhile. I find interest watching Suze Orman show, and even tho I'm a little slow but I'm slowly finding out some things.

I'm 23 years old female. I like the idea of retiring early, maybe. I'm thinking about if I put in $300 a month until I'm 62 yrs old in Roth IRA, would you think that monthly payment would be sufficient without any other sources of income? I normally hear everyone saying put in $100 a month for retirement, but I rather have higher standards for myself and happiness.

& If I would have plenty of extra $, I would be able to pay off a house living in retirement, being comfortable?

Thanks.
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g: 0 Posted By: remick
Views: 76 Replies: 0 Planes, Trains & Automobiles: A Fascinating Book Containing Facts, Trivia, Images & Memory