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Poor financial system?
Added on : Thursday April 24th 2014 05:00:10 AM
g: -1 Posted By: erminasrc
Views: 30 Replies: 1 How do we assess a country having a poor financial system ? Tq . Please elaborate it
Discussion Deals
g: 1 Posted By: ctgolfer
Views: 58 Replies: 0 Six adjustable triple-truss wire shelves
3" commercial castor wheels with two that lock for safety
Height adjustable non-rolling/stationary feet included, allows shelving to hold up to 600 lbs. per unit
NSF rated for food safety
Shelves adjust at 1" increments
Dimensions: 72H x 48"W x 18"D
Heavy Duty Steel
Shelves are adjustable height at 1" increments
Commercial Grade Chrome Wire
Triple-Truss support
No Tools Required for Assembly
Maximum Weight Capacity for entire Unit: 3600 lbs.
Maximum Weight Capacity per shelf: 600 lbs. equally distributed
Maximum Weight Capacity for entire Unit when using the casters (wheels) instead of leveling feet is 500 lbs.
Dimensions: 48"L x 18"W x 72"H

www.ebay.com/itm/310924440068
Home & Garden Deals

eBay Coupons
The Fundamental Investment Discussions Thread
Added on : Wednesday April 23rd 2014 10:00:10 AM
g: 4 Posted By: dshibb
Views: 143 Replies: 1 This thread needs to be created separately from the Individual Stock Discussions thread.

The Individual Stock Discussions thread has been overrun by:

Day Trading
Insane volume of options trading
Excessive turnover
Pop culture herdstocks like GOOG, AAPL, AMZN, NFLX, FB, etc.
A gambling culture

This is likely due to the fact that those that day trade the most and care the most about minute by minute prices will post the most. For this reason, I'm creating this thread to separate out a discussion about individual investments that are longer term in nature.

Reason for Creating Thread

Like it or not, there are a lot of people coming to FWF looking to know where to invest money without reading much before. This is evidenced by all of the "What do I do with $x" threads.
Like it or not, many wont agree to "set and forget" index or mutual funds for all of their money
Maybe others will agree, but I don't like the only thread here devoted to individual positions being one that shows day trading exclusively in a Yahoo message boards sort of way.
If FWF is going to have discussions about individual investments/trades than it will be an improvement to also foster a thread focused on longer term ideas than just short term activity.
I think that the current Individual Stock Discussions thread fosters an image of active investing asbeing sexy, simple, and thoughtless.Thislikely encourages novices to fall into a false, naive sense of security about trading. A longer term focused investment thread would likely produce the opposite effect of discouraging novices from actively picking positions by displaying investment selectionas hard, complex, time consuming, dry, and dense.

What this thread is not

This is not a thread for extolling the virtues of index funds there is an entire forumBogleheads,devoted to that.
This is not a thread to just post each and every buy or sell order you execute
This is not a thread to drop your opinions on each and every quarter about whether abc company will surprise higher or lower
This is not a thread to repeatedly post pricing activity on positions because such short term pricing should be irrelevant to the discussion


A few notes

Unless quoting and discussing previous ideas all new ideas should involve longer posts typically written in thesis form
Investment ideas can involve any asset class, an entire sector, country, strategy, pair, etc. The only criteria is that:

It bespecific enough to discern a unique viewpoint from the general market and thencommunicate that
That it be for a viewpoint that that has at least a half a year time horizon

An example of a solid initial idea postwould involve ( in practicecover as many as you can):

A discernible investment idea
A time horizon by which you are looking at the idea (i.e. many ideas can be both bad in lets say a6 month time horizon andgreat in a 3 year time frame)
A clear summary rationale as to why it is represents an attractive investment to make
A series of facts, numbers, etc. that back up thethesis
An acknowledgement of what risks you are intentionally choosing to bare
Metrics or fact pattern by which you see the thesis as playing out as suspected
Pitfalls you see that could prevent the thesis from playing out and why you think they wont happen
What you define as a successful realization of your thesis and subsequent exit strategy
A general explanation as to how much the ensuing circumstances would have to deviate from your thesis in order for you to drop the thesis



Maybe this will work. Maybe this will flop, but given how the Individual Stock Discussion thread has gone I thought this was worth a shot.

Investing Deals
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
4G LTE vs Cablemodem?
Added on : Wednesday April 23rd 2014 05:00:10 AM
g: 0 Posted By: grex23
Views: 145 Replies: 6 Have Time Warner Cable now and got charged a modem lease fee using Earthlink Cable. Ready to cancel service altogether but the problem is 4G LTE bandwidth utilization. I want to move from where I live now as well. 4G LTE is $40 for 4GB through Verizon and so I could replace wired with wireless for the same price, but will I blow through a 4G Cap quickly?


Discussion Deals
g: 0 Posted By: kshowtime
Views: 97 Replies: 1 Just likethisdeal, but they've added a $20 Newegg gift card.

Addthe Xboxto your cart and they will add

$20 Newegg gift card
$20 Xbox gift card
$20 Xbox gift card
800 live point card

Free shipping with Shoprunner.

As discussed in old thread, the 800 point card should be the same as a $10 Xbox gift card.
Xbox 360 Consoles Deals

Newegg Coupons
g: 0 Posted By: Xenocrates
Views: 158 Replies: 0 Men's New Balance Shoes: Buy One Get One 50% Off for Select Styles@ Sears w/Free In-Store Pickup

The link is for all the shoes that qualify for the promotion. However many of them have very limited selections on size.




Shoes Deals

Sears Coupons
g: 0 Posted By: SieSilverStars
Views: 0 Replies: 0 The Russell Colorblock 2-pc. Boy's Tricot Athletic Track Set is on sale at Amazon for $5.38 with Free Super Saver Shipping on orders over $35.00 or free shipping with Prime.

Linky

Available in sizes 2-7.

Available in...
Blue/Dark Navy
Black/White
Dark Navy/White
Iron/ White
Iron/ Green Flash
Red Coast/ Black
The Economics and Psychology of Unlimited Overtime
Added on : Tuesday April 22nd 2014 02:00:07 PM
g: 3 Posted By: Horseymen
Views: 175 Replies: 6 I'm aware there will be multiple answers/perspectives in this - but I'm hoping some people will share their personal stories and perhaps give some insight into this. Ultimately, this comes back to how you value your time.

I am a full time college professor, but I've been selected, when I'm not working, to work on a book publisher project as much as I want - billing $40 an hour - in effect doing editing. It's pretty boring and monotonous but easy the few times I've tried it.

Just doing some simple calculations, just on the current projects, there appears to be over 5,000 hours available of work, and with book revisions every couple of years, and given that there are about 20 books in this series, it almost comes across, as long as I stay in their good graces, that I can do unlimited work.

So my question for the masses - and where I hope people will share stories - how have you managed situations where effectively you can work as much as you want, whenever you want, as long as you want? I'm worried about perhaps getting addicted to it, not setting adequate boundaries, working too much, etc. I know people will answer "It really depends on individual situations/family requirements, etc.." - which is why I am hoping people have stories to share about how they've managed similar projects in the past - perhaps a small business where you could work as much as you want, and you were always guaranteed X return for the time you put into it. Even people who do manufactured spending theoretically can do as much as they want with money orders. Ultimately, I've never really been able to put a specific number to how much I value my time - I've never really considered it - and I don't want to ruin vacations by thinking to myself "Man, if I would have spent this 80 hours working instead of at Disney, I would have made $3200 instead of spending $3200" - so I almost view it as a blessing-curse - so before I got too immersed, FWF is pretty good at offering financial philosophical perspective. I know that if this paid $3 an hour, I sure as hell wouldn't do it - but I'm not sure where a good line is or how to go about setting a line.

Anytime these value of time threads come up - someone shares an anecdote of their brother who valued his time at $100 dollars an hour, so anytime a chance would come up to go to a movie, he would say "$250 dollar movie? No thank you." Realistically though, if I chose to spend a Friday night at home instead of going to a movie, I could trade that 2 hours in for $80 worth of editing. I think learning from other people and their experiences would be helpful. I don't want this to turn into a buffet where I gorge and can't enjoy it - but it is tempting. The cool thing though is it's pretty mindless, and it's at home, so if I need to put it down for a few minutes to do whatever, it's flexible to that end.
Discussion Deals
10 Perennial Plants Mixed Lupine 75% off $10.74 + $3.95 shipping
Added on : Tuesday April 22nd 2014 11:00:02 AM
g: 0 Posted By: calculatorbobby
Views: 94 Replies: 0 10 Russell Hybrid Mixed Lupine starter plants - 10 plants per package. TulipWorld

Regular price $42.95 (75% off)
Sale price $10.74 + $3.95 shipping any size order

http://www.tulipworld.com/sun-perennials/russell-hybrid-mixed-lu...

http://www.tulipworld.com/mmTW/Images/280X280/27230.jpg
USAA removes free check orders (charging shipping...)?
Added on : Tuesday April 22nd 2014 07:00:13 AM
g: 0 Posted By: DaveHanson
Views: 202 Replies: 0 Apologies in advance folks if I somehow misread this folks...

Ordered my first batch of checks from USAA today in many years, and saw that while the basic *checks* are still free, the cheapest "Non-Trackable Standard/Bulk Slowest " option defaults to $3.35. This was true even though the preceeding page said that the price included "standard shipping".

Are the rest of you still seeing free shipping? This is in Firefox / Windows 8.1 , not that it should matter...
Discussion Deals
Free Kindle Book- WOODS, FUELS & FIRES FOR OUTDOOR COOKING
Added on : Tuesday April 22nd 2014 02:00:06 AM
g: 0 Posted By: remick
Views: 56 Replies: 0 http://www.amazon.com/gp/product/B00JMDZ7ZE/

Do you love the smell of wood-smoked food? A rack of crackly smoked ribs straight out of the barbecue oven? Or lamb chops and a chunk of tenderloin seared and then grilled over an open wood fire in the wilds?
Want to know which woods go best with which foods? Which are poisonous, and to be avoided? How the different flavours of different woods can lift a great smoked meal to an outstanding one?
"Woods, Fuels & Fires for Outdoor Cooking" answers all of these questions and more. The book helps you to choose the best wood for any particular application, and to match exactly the right wood to the food you're grilling or smoking. Introducing you to a range of different woods, it shows you how to use them and how to find them.
In addition to raw woods, it discusses the merits and demerits of wood-based derivatives like chips and sawdust, pellets and charcoal and makes suggestions as to when and where they work best.
A whole section of the book is devoted to showing you how you can make your own, premium quality charcoal safely, at home, and regardless of how much or little yard space you have available. It explains why home-made charcoal is a better substitute for briquettes than its commercial equivalent, and why it burns hotter and longer. Construction details and plans are provided for making, simply and economically, a scalable charcoal furnace-and-retort assembly out of readily obtainable bits and pieces.
The book explains how, in the same way that differing soil quality and climate are major determinants in the flavour of wines from the same vine stock, so too is their impact on the flavour of hardwoods from the same tree species growing in different soil conditions and different areas of the country.
It also suggests, when wood is not available, how to use substitutes like coconut husk, corn cobs, and dried seaweed, and the special precautions that need to be taken. It characterises wood according to the density of smoke generated, the strength and flavour of the smoke, and the heat and quality of the coals produced.
A whole section of the book is jam-packed full of tips for constructing, starting and maintaining fires both at home and in the wilds.
Armed with the information in the book, anyone can make a good wood fire, and even if you're a pro, there'll be tips and suggestions here to help you up your game.

Totally Free Deals
g: 0 Posted By: Gauss44
Views: 17 Replies: 0 What I mean by "urban apartment" is an apartment in a building with many apartments. Some apartments are noisy, some are quiet. There are many other variables.

Me:
-I ask the realtor and sometimes knock on neighbors doors to ask if it's quiet, what the building's like, and what they think of management/landlord.
-I check under the refrigerator, oven, and under the sink to see if there's signs of pests.
-A friend of mine actually got keys to a place from realtor before renting it to show it to friends. I wish I knew how she asked for that, any ideas?

What other tips?


Question Deals
Would you rent to someone with a strong smell (of food/incense)?
Added on : Monday April 21st 2014 11:00:07 AM
g: 0 Posted By: Gauss44
Views: 0 Replies: 0 I'm scheduled to negotiate a lease with a potential landlord tomorrow. Only much to my surprise, a roommate in the apartment where I'm subletting a room, keeps burning incense and frying onions. I woke up this morning and all of my coats are permeated with incense and food smells. And they are all dry clean. (And it's a Massachusetts holiday today.)

My plan is to go back to my personal apartment (not the sublet) and change into clean smelling clothes. My coats all stink and I cannot hang them outside since I'm in a city. So I plan to carry a zipping bag and put my coat in there before entering the realtor's office. It would be nice if he didn't care about these odors, but I suspect he would, and that he would be less lenient while negotiating the lease if I smelled strong.

Any thoughts?

(I admit to being exhausted right now too because this neighbor also plays loud music day and night and seems to sleep through it somehow. It will be nice to be in my own apartment again. Soon, hopefully.
g: 0 Posted By: remick
Views: 29 Replies: 0 http://www.amazon.com/dp/B007SANLJC

4.6 out of 5 stars (80 customer reviews)

Revised and expanded edition!

We all want to include emotion in our photographs - it's what separates the "snapshooter" from the artist!
Color is one of - if not THE most important tool we can use to insert emotion. But few of us really know how. Once you've read through this lesson (it's fast and easy) you will never think of color the same again!
For example... we all know that red is a good accent to attract attention. It can also indicate heat, passion or even stop! But there is more, a lot more.
Learn how Baboon Butts affect the way we look at the color red!

Depending on the shade of red used it could elicit emotions like:

Light red - represents joy, sexuality, passion, sensitivity, and love.
Pink - signifies romance, love, and friendship. It denotes feminine qualities and passiveness.
Dark red - is associated with vigor, willpower, rage, anger, leadership, courage, longing, malice, and wrath.
Reddish-brown is associated with harvest and fall.

Here is a copy of the table of contents to show a little of what is covered in this "On Target Photo Training" lesson volume...

Introduction:
Composition Review:
Leading Lines
Diagonal Lines
The Rule Of Thirds
Power Points
Horizontal Power Lines
Vertical Power Lines
Controlling The Viewer With Color
Using Color
Color Is Additive
How Film And Digital Sensors Work
Controlling Emotion With Colors
Changing The "Feel" Of A Photo With Color
Cross Processing And Other Techniques For Edgier Color Effects
The Meaning And Affects Of Various Colors
Color Used To Harmonize
Tying It All Together
The Color Wheel
Get Better Landscape Photography By Using Kodak Yellow!
Focus On People - Not Clothing
Hand Tinting
How Baboon Butts And Red Dresses Affect Your Portrait Photography
Shooting Color - Techniques
How To Intensify The Colors In Your Portrait Photography!
How To Get Stunning Colors In Your Sunset Photography!
Adding Filters
Here Is An Indispensable Filter For Great Landscape Photography!
Photo Exercise
Additional Photo Training

In the section on Using Color - We discuss the concept of color management, how and why it works to elicit emotion in our viewers.
The Color Wheel - The color wheel is a graphic representation that will make it easy to select what colors harmonize and which ones don't. Sometimes you will want harmony, and other times you will want to jar your viewer. Now you will know what colors to use.
And more...and more...and more...
Color is a key element in photo composition but very few courses even mention it! Once you have Volume 10: Control Viewers! Make Your Color Photography "POP!" you will KNOW how the colors in your photos are affecting the viewer!

Totally Free Deals
g: 0 Posted By: ctgolfer
Views: 166 Replies: 2 BestMassage EC-06C Massage Chair has an updated design, functions and features.
Features:

Recovery Program
Extend Program
Relax Program
Refresh program
More than 30 air bags
Build in Heat
Intelligent roller system - Flexible, conforms to the contour and shape of your back
Added neck massage feature - Massage heads are designed to Target stress relieving "tsubo points" on your neck.
Lower Back Range - The extensive range of motion allow for the roller heads to reach the tailbone area where most chairs lack.
Ultra-long range massage - Reaches high up in the neck and low down into the tailbone section.
Fatigue relieving Air massage - Total of 20 Air bags are located in the lower body of the chair to provide massage for the legs, thighs and feet. Promoting better blood circulation to the lower extremities
Adjustable air massage - Multiple levels of intensity from strong to weak massage
Easy to use control panel.
Build in hand massage
1 year limited warranty - which includes full coverage of all parts for 1 years
Recline - The Chair is fully automatic, the raising and reclining of the backrest and foot/leg ottoman.
Weight Limit: 250LB

Added Massage Features:

Buttocks: high power vibration motor and air pressure massage
Thighs: double-layered air bags
Calves: air bags massage
Arm: air squeeze

Massage Functions:
Rolling: Moving up and down, like the fixed-point of revolving finger pressing for direct and effective massage effect.

Kneading: Reduces muscle pain and works out knots.

Shiatsu Results: Power rollers are used to relax muscle stress, reducing fatigue and rejuvenating the mind and body.

Compression and Percussion: Improves flexibity. mobility and posture of the legs.

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Furniture Deals

eBay Coupons
Quicken 2014 first hand experiences
Added on : Monday April 21st 2014 05:00:11 AM
g: 1 Posted By: shankman007
Views: 65 Replies: 0 Long time lurker here. I am looking to upgrade to Quicken 2014 (have been using quicken for over 6 years now). The main reason for the upgrade is their sunset policy on software (I am on Quicken 2011 now and the Apr 30th deadline is looming). Has anyone done the upgrade recently (I believe Quicken 2014 version 7 is the latest)? The reviews on Amazon are not very encouraging. I have played with MoneyDance (excellent software!) but the main issue is the lack of Express Web Connect for automatic downloads: all my favorite accounts like Alliant CU, Capital One Credit Card do NOT support this. Also MoneyDance has some other minor issues (for me) such as lack of bar graph support and no option to upload receipts directly on the MoneyDance IPAD app.

Looking for some data points from folks on here regarding Quicken 2014. Thanks all!
Discussion Deals
g: 1 Posted By: Ayla
Views: 302 Replies: 1 Drive-In Cult Classics Collection - 200 Film Set - $42.99 on eBay & $46.72 at Amazon


http://www.ebay.com/itm/like/231200971650?


List Price: $99.98

Sale: $42.99...............7 at this price

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

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List Price: $99.98

Price: $46.72..........11 at this price


FREE Shipping with Prime


Only about $0.43 for each movie.



Number of discs: 50


Run Time: 17432 minutes


MMOVIES IN THIS SET ARE:
~~~~~~~~~~~~~~~~~~~~~~~~

Absolution (1978) Richard Burton
African Safari (1968) Ron Shanin
Alien Contamination (1981) Ian McCulloch
Alien Species (1996) Charles Napier
Alien Zone (1978) John Ericson
All the Kind Strangers (1974) Stacy Keach
Almost Hollywood (1994) India Allen
The Alpha Incident (1977) Ralph Meeker
Atomic Rulers of the World (1964) Ken Utsui
The Babysitter (1969) Patricia Wymer
The Beach Girls (1982) Debra Blee
Beast from Haunted Cave (1959) Michael Forrest
Best Friends (1975) Richard Hatch
The Big Fight (1972) Roc Tien
Black Cobra (1987) Fred Williamson
Black Cobra 2 (1988) Fred Williamson
Black Cobra 3 (1990) Fred Williamson
Black Fist (1975) Richard Lawson
The Black Godfather (1974) Rod Perry
Black Hooker (1974) Sandra Alexander
Blood Mania (1970) Peter Carpenter
Blood of Draculas Castle (1969) John Carradine
Bloodlust (1959) Robert Reed
Blue Money (1972) Alain Patrick
Brain Twisters (1991) Terry Londeree
The Brave Lion (1978) Wei Tzi Yung
Breakout from Oppression (1978) Lona Chang
Burnout (1979) Mark Schneider
Carnival of Crime (1962) Jean-Pierre Aumont
Cave Girl (1985) Daniel Roebuck
Chain Gang Women (1972) Barbara Mills
Chase Step by Step (1982) Chee Kung
Cindy and Donna (1971) Debbie Osborne
City Ninja (1986) Michael Chan
Click: The Calendar Girl Killer (1990) Troy Donahue
Coach (1978) Cathy Lee Crosby
Count Dracula and His Vampire Bride (1974) Christopher Lee
Counterblast (1948) Robert Beatty
Country Blue (1973) Dub Taylor
The Crater Lake Monster (1977) Richard Cardella
Craze (1974) Jack Palance
The Creeping Terror (1964) Vic Savage
Dangerous Charter (1962) Chris Warfield
Day of the Panther (1988) Edward John Stazak
The Day the Sky Exploded (1958) Paul Huschmid
Deadly Duo (1971) David Chiang
Death Machines (1976) Ron Marchini
Death Rage (1976) Yul Brynner
Death Riders (1976) Bud Boerma
Death Warmed Up (1984) Michael Hurst
Deathrow Gameshow (1987) John McCafferty
The Devils Hand (1962) Robert Alda
The Disappearance of Flight 412 (1974) Glenn Ford
Dont Look in the Basement (1973) Rosie Holotik
Doomsday Machine (1972) Grant Williams
Embryo (1976) Rock Hudson
End of the World (1977) Christopher Lee
Escape From Hell Island (1963) Mark Stevens
Eternal Evil (1985) Winston Rekert
Evil Brain From Outer Space (1956) Ken Utsui
Fighting Mad (1978) Leon Isaac Kennedy
The Firing Line (1991) Reb Brown
Flash Gordon Conquers the Universe (1940) Buster Crabbe
Fleshburn (1984) Steve Kanaly
Four Robbers (1987) Shek Hon
The Four Shaolin Challengers (1977) Bruce Leung
French Quarter (1978) Virginia Mayo
The Fury of the Wolf Man (1972) Paul Naschy
Galaxina (1980) Dorothy Stratten
Going Steady (1979) Yftach Katzur
Good Against Evil (1977) Dack Rambo
The Guy from Harlem (1977) Loye Hawkins
The Guy with the Secret Kung Fu (1981) Meng Fei
Hands of Death (1987) Roc Tien
The Head Hunter (1983) Chow Yun Fat
The Hearse (1980) Trish Van Devere
Hell on Wheels (1967) Marty Robbins
The Hellcats (1967) Ross Hagen
Horror High (1974) Pat Cardi
Horror of the Zombies (1974) Maria Perschy
The Hostage (1967) Harry Dean Stanton
Hot Target (1985) Simone Griffeth
House of the Living Dead (1973) Mark Burns
Hunk (1987) John Allen Nelson
Hustler Squad (1976) Lynda Sinclaire
I Eat Your Skin (1964) William Joyce
I Wonder Whos Killing Her Now? (1976) Bob Dishy
Idaho Transfer (1973) Keith Carradine
Image of Bruce Lee (1978) Bruce Li
The Impossible Kid (1982) Weng-Weng
In Hot Pursuit (1977) Bob Watson
Indian Paint (1965) Johnny Crawford
Infernal Street (1973) Yiu Tin-Lung
Invasion of the Bee Girls (1973) William Smith
Iron Angel (1964) Jim Davis
The Island Monster (1954) Boris Karloff
Jive Turkey (1974) Paul Harris
Jocks (1986) Scott Strader
Karate Kids USA (1980) Charles Lane
Katies Passion (1975) Rutger Hauer
The Kidnapping of the President (1980) William Shatner
Killpoint (1984) Richard Roundtree
Kung Fu Arts (1980) Carter Wong
Kung Fu Kids Break Away (1980) Wang Ye Leung
Land of the Minotaur (1976) Donald Pleasence
Las Vegas Lady (1975) Stella Stevens
Lenas Holiday (1991) Felicity Waterman
Liars Moon (1982) Matt Dillon
Little Laura and Big John (1973) Karen Black
Low Blow (1986) Cameron Mitchell
Lurkers (1988) Christine Moore
Mad Dog (1977) Helmut Berger
Madmen of Mandoras (1963) Walter Stocker
Malibu Beach (1978) Kim Lankford
Manhunt in Space (1954) Richard Crane
The Manipulator (1971) Mickey Rooney
Medusa (1973) George Hamilton
The Mistress of Atlantis (1932) Brigitte Helm
Moon of the Wolf (1972) David Janssen
The Murder Mansion (1972) Evelyn Stewart
My Chauffeur (1986) Deborah Foreman
My Moms A Werewolf (1989) Susan Blakely
My Tutor (1983) Caren Kaye
Nabonga (1944) Buster Crabbe
Night Club (1989) Nicholas Hoppe
Night Fright (1968) John Agar
Nightmare in Wax (1969) Cameron Mitchell
The Nightmare Never Ends (1980) Cameron Mitchell
Nine Deaths of the Ninja (1985) Sho Kosugi
Ninja Champion (1985) Bruce Baron
Ninja Death I (1987) Lo Yiu
Ninja Death II (1987) Lo Yiu
Ninja Death III (1987) Lo Yiu
Ninja Empire (1990) Mike Abbott
Ninja Heat (1988) Chan Sheng
The Patriot (1986) Gregg Henry
Pick-up (1975) Jill Senter
The Pink Angels (1971) John Alderman
Policewomen (1974) Sondra Currie
The Pom Pom Girls (1976) Robert Carradine
Prehistoric Women (1950) Laurette Luez
Prime Evil (1988) William Beckwith
Prisoners of the Lost Universe (1984) Richard Hatch
Radio Ranch (1940) Gene Autry
Rattlers (1976) Sam Chew
The Real Bruce Lee (1973) Bruce Lee
Return of the Kung Fu Dragon (1976) Sing Chen
Road to Nashville (1967) Marty Robbins
Santee (1973) Glenn Ford
Satans Slave (1976) Michael Gough
Savage Journey (1983) Richard Moll
Savage Weekend (1976) Christopher Allport
Scorpion (1986) Tony Tulleners
Secret File: Hollywood (1962) Robert Clarke
Separate Ways (1981) Karen Black
The Severed Arm (1973) Deborah Walley
Sextette (1978) Mae West
Shadow Ninja (1983) Steve Tung Wai
Shadow of Chinatown (1936) Bela Lugosi
Shaolin Deadly Kicks (1977) Dorian Tan
Shaolin Temple (1976) Shu Feng
Shock (1946) Vincent Price
The Sidehackers (1969) Ross Hagen
The Silencer (1992) Lynette Walden
Single Room Furnished (1968) Jayne Mansfield
The Sister-in-Law (1974) John Savage
The Skydivers (1963) Kevin Casey
The Snake, The Tiger, The Crane (1975) Carter Wong
Snowbeast (1977) Bo Svenson
Spare Parts (1979) Jutta Speidel
The Specialist (1975) Adam West
Spirits of Bruce Lee (1980) Michael Chan
Stanley (1972) Chris Robinson
Star Odyssey (1979) Yanti Somer
The Stepmother (1972) Catherine Justice
Superchick (1973) Joyce Jillson
The Teacher (1974) Jay North
Terrified (1963) Rod Lauren
Terror (1978) John Nolan
Terror at the Red Wolf Inn (1972) Linda Gillen
Terror in the Jungle (1968) Robert Burns
Throw Out the Anchor (1974) Richard Egan
Tiger Love (1977) Hu Chin
TNT Jackson (1974) Jeanne Bell
Tomboy (1985) Betsy Russell
Top Cop (1990) Stephen P. Sides
Trauma (1978) Fabio Testi
Treasure of Tayopa (1974) Rena Winters
Trip With the Teacher (1975) Zalman King
The Van (1977) Danny De Vito
Van Nuys Blvd. (1979) Bill Adler
The Virgin Queen of St. Francis High (1987) Joseph R. Straface
Voodoo Black Exorcist (1973) Fernando Sancho
Weapons of Death (1981) Eric Lee
Weekend Pass (1984) Chip McAllister
Weekend With the Babysitter (1971) George E. Carey
The Wild Rebels (1967) Steve Alaimo
Wild Riders (1971) Alex Rocco
The Wild Women of Wongo (1958) Jean Hawkshaw
Yellow Hair and the Fortress of Gold (1984) Laurene Landon
The Young Graduates (1971) Tom Stewart
DVD Deals

eBay Coupons
i want to open a stock account
Added on : Sunday April 20th 2014 03:00:05 PM
g: 0 Posted By: xtddd
Views: 75 Replies: 2 i want to open a stock account.what do you think abour schwab?
Discussion Deals
Recall: Kraft recalling 96,000 pounds of Oscar Mayer Wieners
Added on : Sunday April 20th 2014 03:00:05 PM
g: 0 Posted By: MISTERCHEAP
Views: 90 Replies: 0 http://www.kfvs12.com/story/25293910/recall-kraft-recalling-9600...
Discussion Deals
Verifying Condo ownership
Added on : Sunday April 20th 2014 09:00:04 AM
g: 0 Posted By: FWFan2
Views: 52 Replies: 1 While looking for an apt to rent, I came across a Condo ad on craigslist. I always thought condos are costlier to rent, however this one was around the same as an apartment (infact a tad lesser). The HOA fees is not included in the rent and the owner said that he will pay the HOA, which includes water, garbage and Cable. When i spoke to the person on the phone, he said he is the owner and we discussed the usual finance stuff and visit scheduling part. It is more or less an apt style condo though.

I will visit and see the unit sometime in the next 2-3 days, but I have never dealt with people claiming direct owners, so I am concerned if this is fraud or not. How could I verify the condo ownership, rather than the obvious asking him to show the papers(maybe?). Is there a public record of property owners?

Also, if I proceed since I will be dealing directly with the owner, anything else I need to consider?( i have always dealt with apt complexes so far)
Real Estate Deals
FREE Braile Bibles
Added on : Sunday April 20th 2014 06:00:06 AM
g: 1 Posted By: puggle
Views: 236 Replies: 0 Order Free Braille and Large Print BooksAll publications by Lutheran Braille Workers are offered free of charge.Our online order forms only allow you to order single copies of any title. If you need multiple copies, please call or use our Contact Us Form.We do have limited quantities of Large Print publications in Apache, Bikol, Cebuano, Estonian, French, German, Hiligaynon, Ilocano, Indonesian, Latvian, Malayalam, Navajo, Portugese, Kiswahili, Russian and Tagalog. Please call or use our Contact Us Form for more information.http://lbwinc.org/orders/index.php
Totally Free Deals
g: 0 Posted By: papamicd
Views: 205 Replies: 0 FRYS has the Huawei Vitria cell phone in stock again (although backorder) for $70. They had another deal last month on this phone for $50, but did not last long.

Link: http://www.frys.com/product/7885619

Possibly one of the cheapest Snapdragon 400 MSM8930 phones
(same cpu as Samsunggalaxy s4 mini, Moto G, HTC first, etc.)
Feature richer than the Nokia 521 in the same price range, plus cheaper to unlock, and android driven.

Features: http://www.phonearena.com/phones/Huawei-Vitria_id8176

I picked up one during the last FRYS sale and was surprised by the quality of the display and the responsiveness of the processor for the price.
The quality of the camera and speed of autofocus leave much to be desired, but again for the price they are fine.

Easy root and cheap ($3 or less) unlock.

For $10 more than the current price of the Huawei Valiant, the Vitria additionally offers 4G LTE, front camera, 5MP back camera with autofocus and led, DLNA. Both phones have similar dimensions and weight.

Discussions about the phone, rooting, unlocking, etc. can be found at SD.
Cell Phones Deals
The Trail West - 200 Classic Western Films - $46.99 at Amazon
Added on : Saturday April 19th 2014 07:00:02 PM
g: 2 Posted By: atiggger
Views: 75 Replies: 1 The Trail West - 200 Classic Western FilmsJohn Wayne(Actor),Roy Rogers(Actor),Various(Director)|Rated:R|Format:DVD

http://www.amazon.com/The-Trail-West-Classic-Western/dp/B00EQ2KW...

List Price: $99.98 Price: $46.99&FREE Shipping.Details You Save: $52.99 (53%)
In Stock.
Ships from and sold byAmazon.com. Gift-wrap available. Want it Tuesday, April 22?Order within41 hrs 51 minsand chooseOne-Day Shippingat checkout.Details
Product Details

Actors:John Wayne,Roy Rogers,Lee Van Cleef,Gene Autry,Tex Ritter
Directors:Various
Format:Box set, Black & White, Color, NTSC
Language:English
Region:Region 1 (U.S. and Canada only.Read more aboutDVD formats.)
Aspect Ratio:1.33:1
Number of discs:50
Rated:R (Restricted)
Studio:Mill Creek Entertainment
DVD Release Date:December 3, 2013
Run Time:14098 minutes
Average Customer Review:5.0 out of 5 starsSee all reviews(3 customer reviews)
ASIN:B00EQ2KWEM
Amazon Best Sellers Rank:#127,296 in Movies & TV (See Top 100 in Movies & TV)


Hours of Cowboy Classics!Saddle up and prepare to hitThe Trail Westwith 200 shotgun tales from the untamed and always wild,American frontier! Meet the legendary figures that ruled the rugged terrain with 50 DVDs locked and loaded with the loudest guns and fastest bullets you've ever seen in one collection. From barroom brawls to robberies and holdups to shoot-outs and showdowns; these Western classics contain some of the best outlaws and lawmen this side of the Mississippi! Discover the genre-defining mavericks of Western cinema that painted the town and the prairie with legendary tales from our historic American West!Features Real and Classic Western Cinema Characters -Billy The Kid, Annie Oakley, Jesse James, The Range Busters, The Rough Riders and The Lone RangerStarring Western and Hollywood Cinema Greats:John Wayne, Roy Rogers, Lee Van Cleef, Clark Gable, James Caan, Sammy Davis Jr., William Shatner, Will Rogers, Jane Russell, Ronald Reagan, Maureen O Hara, Richard Harrison, Jack Palance, Harry Carey, Joseph Cotten, Klaus Kinski, Tex Ritter, Gene Autry, Gabby Hayes, Bob Steeleand so many more!
DVD Deals

Amazon Coupons
g: 0 Posted By: kchunk
Views: 78 Replies: 0 I did a quick Google search but didn't find any links. The following info is from my April billing statement.

Starting June 23, 2014, Sam's Club Discover card program will be replaced with the Sam's Club MasterCard program.

Redeem (current) Rewards Loyalty Program Balance by 6/19/2014

You will receive statement credit for any unredeemed balance on your first billing statement following the change.

MasterCard (new) Rewards Loyalty Program highlights:

5% Cash Back on fuel at Sam'sand gas stationson first $6000 spent
3% Cash Back at restaurants and travel
1% Cash Back on all other eligible purchases
Rewards period is calendar year,Jan 1 - Dec 31
Maximum $5000 Cash Back rewards can be earned in each calendar year.
Cash Back checks are issued annually (February) and made out to Sam's Club. You may redeem your Cash Back check at any Sam's Club in the U.S. or Puerto Rico.


Discussion Deals
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.
Question Deals
Angel Investment
Added on : Friday April 18th 2014 11:00:08 AM
g: 0 Posted By: bobaldie
Views: 66 Replies: 0 Just came to be aware ofhttps://angel.co/syndicates while i was looking for alternative investments to real estate, which i am familiar with.
I am sure some of you have experience with it and have some advise. Appreciate any suggestions you have if i want to look in to this vehicle for investment.

-B

Discussion Deals
g: 0 Posted By: ShoppingChick
Views: 206 Replies: 0 Amazon hasDr. Seuss The Lorax (Blu-ray + DVD + Digital Copy + UltraViolet)on sale for $8.70 with free shipping on orders over $35+.
WalMart has it for $14.96.
Blu Ray Deals

Amazon Coupons
unsolicited check/loan - can i just change the terms on the back?
Added on : Friday April 18th 2014 08:00:08 AM
g: 0 Posted By: Ma171aC
Views: 124 Replies: 2 Strictly curious here, I don't need this, want it, etc.. But whats stopping someone from just changing the terms on the back of this check and cashing/depositing into some random temp account, etc.. What if someone grabbed my mail or it got delivered to the wrong place and someone cashed it somehow.

http://imgur.com/7iuHBsF
http://imgur.com/k7AAbxC


Also I'm stuck at home and bored, soo sorry if this is a stupid post.



Discussion Deals
Note on Rite Aid coupons
Added on : Friday April 18th 2014 06:00:09 AM
g: 0 Posted By: mikiem
Views: 169 Replies: 0 Sometimes Rite Aid [& other] coupons are posted on-line as WAY over-sized image files, or PDFs based on those over-sized image files. At the same time many image files don't include print size data -- they can print correctly at higher dpi, or huge at 72 - 96 dpi [which is monitor resolution]. I found copies of their now expired 20% off coupon, as PDF & .png files, that wouldn't even fit on a letter sized page!

Problem is if you print those over sized image files as-is the bar codes are too large to scan at the Rite Aid checkout, at least at some Rite Aid stores. Apparently they can't always just punch in the numbers -- Rite Aid's Help Desk says to just scan something else. At any rate it means checking out will take longer, & there's a slight chance that a less experienced person might fumble getting your UP Rewards added properly.
Discussion Deals
Juno Small Tiger Printed Leather Clutch is crafted in supple leather with gold tiger print for an elegantly wild style. Featuring magnetic snap flap closure, detachable chain strap, gusseted sides, two compartments, one slip pocket and gold tone hardware detail. Signature dust bag included. Made in Italy.Special offers and rebates for Fujitsu LIFEBOOK® notebooks and Tablet PCs, STYLISTIC® tablets and mobile accessories.
Boat Repair Scam?
Added on : Thursday April 17th 2014 06:02:01 AM
g: 0 Posted By: joemah
Views: 127 Replies: 2 Morning FW,

I have a predicament and wanted some advice. I have a 17 ft center console boat that the floor is getting soft on. I went to a local boat repair shop to get a price on fixing the floor. Was told 3k to redo the fiberglass floor. The guy told me he had another option also. He said I could purchase a 20 ft center console boat that another customer was working on, but ended up buying anew boat after installing a new gas tank and redoing the floor on the 20 ft boat. It was the same model as mine but 3 ft longer. It just needed some touchup fiberglass work done and for it to be painted. I was told the boat would be $500 and to get it all finished would be an extra $1500 for parts and labor. I would just need to buy a motor to go on the boat. I was having problems here and there with my motor starting so I decided I was going to go ahead and get the bigger boat fixed up and sell the 17 ft boat. When I told him a week later that I would go that route, he said OK, he would need $1000 to start to get boat paid for with original owner and start fiberglass work. Wrote a check for the amount and waited. He said he would start in about 2 weeks because he had some other jobs in front of me.
I stopped by after 3 weeks and boat hadn't moved. He said he would get to it the following week.
I stopped by again after 2 weeks and boat hadn't moved. He said he would get to it the following week.
I stopped by again after 2 weeks and boat hadn't moved. He said he would get to itthat week.
I received a text from him the following week saying he needed more money to get started on the boat. I called him up and asked what happened that he needed more money. He said boat cost $750 and that he needed more than$250 to start. We went back and forth about the price of boat supposed to be $500, not $750 and how it had been 2 months already. Of course everything was verbal. At the end of the phone call, I told him I would bring some starting money but needed everything in writing prior to and that I wanted the boat title and trailer title.
I arrived the next day and he had written out fiberglass repair and paint in details for a total of $2200+, $1500 of it being labor and an extra $750 for the boat already paid. I asked him what happened to the $2k total since we are at just under 3k now and he said he had never mentioned those prices. At this time I was pissed but just wanted to get this over with. I gave him another $800 check and made sure we were on the same page with what exactly the boat was going to look like when completed including trimmings, hatches and cleaning out the hull.
I located a motor on another boat and contactedboat repair guythe following week to see how he wanted to handle getting the motor. He said bring the boat by and he would get the motor off and get it ready for the new finished boat.
I stopped by after 2 weeks and boat had moved to inside his shop but hadn't been touched. He said his paint guy had a hurt leg. We discussed the fiberglass and all the sanding that still needed to be done prior to painting.He told me the motor was a pain and took him 3 hours to get off the other boat. I told him we were coming upon 3 months and I was getting frustrated.
He called me 1 week later and said he was finished fiber glassing and painting and I needed to get him the rest of the money to true up. I stopped by yesterday and the paint job looked terrible. I could see paint brush marks everywhere and there were lines where fiberglass was laid down. I asked him what was going on and he said there was nothing he could do about the fiberglass lines and he rolled the paint so there is no way I could see paint brush marks. I asked him several times to stand next to me and look at the paint brush marks but he wouldn't move. He then told me I owed him $300 for removing the motor from the other boat because it took him 5 hours and he charges $60 per hour. My jaw hit the floor. I told him I never would have brought the motor over on theboat if I knew he was going to charge me to remove it and that he had previously told me it took him 3 hours. He said he was tired of me questioning every dollar and that I needed to pay up in CASH and remove the boat from his property within 3 days.

I know there were a lot of mistakes on my part not getting a lot of stuff in writing prior to starting anything. I wanted to get opinions on what I should do. He wants a total of $1500 cash now. If I pay him the remaining balance, I am stuck witha terrible looking fiberglass and paint job for way too much money. If I request my $1800 back, I guarantee he will say no. He has the motor also that I paid $2000 for and I don't want to lose that either.

Should I just pay the $1500 and take him to court for the terrible product he produced?
Should I request my money back and try to get the motor also and deal with going to court to try and get my $1800 back?

Any similar experiences? Any other suggestions?

Personal Finance Deals
CARDCASH BEWARE after 45 days policy
Added on : Thursday April 17th 2014 04:00:16 AM
g: -1 Posted By: judesarah
Views: 15 Replies: 0 business with Cardcash for over half year. within 45 days refund policy. its ok service,like other reviews you have to follow up refund. probably service cant catch up business grow up. my issue here was-- after 45 days. the card I used them was been rejected by store cus original card owner dispute to store or bank to get money back. I treat as scam fraud. I m personnel suggest and appreciat cardpool or giftcardresuce are always willing to help to try get my money back cus they have all doc from original card owner. so any one be aware, its alwasy risky to buy used gift card if someone buy card from store, then sell to cardcash , then they go back to dispute from store or bank. u will be losser if buy from cardcash after 45 days. and also beware they may duplicate send u gift card, my case was I got physica card already but not all. somehow they mess order, when they re-mail rest of card. it include "PRINT PAPER CARD" with card number & pin. I told them this would be problem if they double sell & increase their logistics fee. I sincerely hope they can improve their business, eventually still benefit us cus discount is always welcome
Discussion Deals
When Liking a Brand Online Voids the Right to Sue (NYT)
Added on : Thursday April 17th 2014 04:00:16 AM
g: 4 Posted By: tuphat
Views: 203 Replies: 6 FYI for FWF legal beagles. Excerpt:

"General Mills, the maker of cereals like Cheerios and Chex as well as brands like Bisquick and Betty Crocker, has quietly added language to its website to alert consumers that they give up their right to sue the company if they download coupons, 'join' it in online communities like Facebook, enter a company-sponsored sweepstakes or contest or interact with it in a variety of other ways. Instead, anyone who has received anything that could be construed as a benefit and who then has a dispute with the company over its products will have to use informal negotiation via email or go through arbitration to seek relief, according to the new terms posted on its site."

http://www.nytimes.com/2014/04/17/business/when-liking-a-brand-o...
Discussion Deals
g: 0 Posted By: tedhawkins
Views: 97 Replies: 0 Mountain Hardwear Ramesa V2 Convertible Pant - Womans $39.95 Usoutdoor FS on $40+

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

A hiking pant with all the bells and whistles, the Mountain Hardwear Ramesa V2 Convertible Pant delivers. The Ramesa V2 Convertible pant is lightweight and quick drying. Pants convert into shorts so you easily adapt to chilly mornings to hot afternoons. The full-length inseam gusset gives you extra mobility on the trail and the soft, lined waistband is designed to make carrying a pack more comfortable. Zippered pockets feature mesh drain panels, in case you find yourself waste deep, wading rivers. The Ramesa V2 Convertible pant from Mountain Hardwear also as an UPF 50 rating, to help protect your skin from harmful UV rays. Hit the trails in confidence with the Ramesa V2 Convertible pant.
Features of the Mountain Hardwear Ramesa V2 Convertible Pant - Womans

Fabrics/Materials: Canyon Twill II
Inseam: Shorts: 9" / Pant 30" - 34"
Type of Waterproofing: DWR finish repels water
Sun Protection: UPF 50
Weight: 9.7 oz. / 274 g.
Pockets: Zippered side pockets and knife pocket
Fit: Relaxed
Gusseted: Full-length inseam gusset for mobility


Clothing Deals
What Does an Extreme Early Retirement REALLY Require To Work?
Added on : Wednesday April 16th 2014 08:00:06 PM
g: 1 Posted By: robronson
Views: 14 Replies: 0 Mr Money Moustache and several other Early Retirement Extreme bloggers have been all the rage the last few years. I think ERE is certainly a possibility but only for very few people in very specific circumstances. Most of the time people who mention ERE on this forum (and on Bogleheads) are laughed at. Let's have a real discussion about what circumstances could allow one to retire in their 30s or 40s.

1) No children. If you have kids or want kids, ERE will be something almost impossible to attain for 99.999% of people. The problem is not only the high cost of children but also the uncertainty in costs. You never know how much your kid will cost (braces, emergency medical care, lawyer after getting arrested, etc.). The variability is so high you can't plan for it.

2) No health problems. If you are obese, are a chronic smoker, have diabetes, or some other issues, you're boned. Your expenses will be highly variable. On the positive side, early retirement could allow you greater freedom to exercise more, cook all your own meals and eat healthier, get more sleep, reduce stress, and improve your health. This almost certainly will reduce your long-term healthcare costs, if you have the discipline and desire to live a healthy lifestyle.

3) Willingness to live in a low cost-of-living area. If you want/need to live in Manhattan or San Francisco, you're boned. 99.9% of people won't be able to save up enough money by their 30s/40s to retire in a place where rent is $3k per month. You'll easily need 3x to 4x as much money to retire in a place like NYC or SF as you would to retire in Florida.

Those are my top 3. There's many people who crap on people planning for ERE because of those top three reasons. Some people (who live in places like SF or NYC) say, "What good is retiring if I have to live in some crappy place?" My reply is "What good is living in SF if you're working 60 hours a week and commuting 20 hours a week and can't enjoy it?"

Some people (who are obese from poor diet and lack of exercise) say "how can you retire early when healthcare costs are so expensive and go up 10% a year?" My reply is, "If you take care of yourself, you'll eliminate 99% of all medical problems and by not working, you'll have more time to exercise, eat well, and maintain good health."

Numbers wise, I'd like to have enough money such that I can take out 2.5% per year and meet my annual expenses. I'd also like to semi-retire for a few years where I cut back my work to only 2 months a year, for a few years after I retire. That would allow me to keep my consulting skills relatively fresh, keep my toe in the water in case I decide I need or want to re-enter the field full time, and also delay distributions of my savings. That allows compound interest to work for a few more years.

I also think it's important to have several skills you enjoy doing that can fall back on in early retirement for extra cash. For example, maybe you like fixing cars. You can do that for a few hours each month on random side jobs for extra beer money. The detractors against ERE argue "but that's not retirement if you're working!" to which I retort, if you enjoy doing it, and can get a little cash on the side to do it, and you don't need to do it because you're financially independent, then it's retirement. You could turn the job down if the customer starts being difficult or if you simply don't want to get out of bed that month. Maybe you enjoy children and want to be a tutor. Maybe you like painting and are good enough to make a small bit of money selling at galleries. It doesn't really matter how little you make from these side jobs, since you don't need the money, as long as you enjoy it, and it does add a little bit to your savings.

Has anyone else here considered early retirement? Or considered why it wouldn't be feasible for themselves?
Discussion Deals
g: 6 Posted By: remick
Views: 877 Replies: 2 http://www.amazon.com/gp/product/B00DD38EYU

4.5 out of 5 stars (8 customer reviews)

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 make creating 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 for
This 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.



Android on x86: An Introduction to Optimizing for Intel Architecture
http://www.amazon.com/gp/product/B00EI22XB0

Android on x86: an Introduction to Optimizing for Intel
Architecture serves two main purposes.
First, it makes the case for adapting your applications onto Intels x86
architecture, including discussions of the business potential, the changing
landscape of the Android marketplace, and the unique challenges and
opportunities that arise from x86 devices.
The fundamental idea is that extending your applications to support x86
or creating new ones is not difficult, but it is imperative to know all of the
technicalities. This book is dedicated to providing you with an awareness of
these nuances and an understanding of how to tackle them.

Second, and most importantly, this book provides a one-stop
detailed resource for best practices and procedures associated with the
installation issues, hardware optimization issues, software requirements,
programming tasks, and performance optimizations that emerge when developers
consider the x86 Android devices. Optimization discussions dive into native
code, hardware acceleration, and advanced profiling of multimedia applications.
The authors have collected this information so that you can use the book as a
guide for the specific requirements of each application project.

This book is not dedicated solely to code; instead it is
filled with the information you need in order to take advantage of x86
architecture. It will guide you through
installing the Android SDK for Intel Architecture, help you understand the
differences and similarities between processor architectures available in
Android devices, teach you to create and port applications, debug existing x86
applications, offer solutions for NDK and C++ optimizations, and introduce the
Intel Hardware Accelerated Execution Manager. This book provides the most
useful information to help you get the job done quickly while utilizing best
practices.

What youll learn
The development-relevant differences between Android on ARM and Android on Intel x86
How to set up the SDK for an emulated Intel Android device
How to build the Android OS for the Intel Mobile Processor
How to create new x86 based Android applications, set up testing and performance tuning, and port existing Android applications to work with the x86 processor
How to debug problems they encounter when working on the x86 Android test platform
Intricacies of the Intel Hardware Accelerated Execution Manager. The reader will also gain significant insight into the OpenGL Android support.
Who this book is for
Android developers
Hardware designers who need to understand how Android will work on their processors
CIOs and CEOs of technology-based companies
IT staff who may encounter or need to understand the issues
New startup founders and entrepreneurs
Computer science students



Also Free

Mobile Developer's Guide To The Galaxy
http://www.amazon.com/gp/product/B00BS6RIKU

The free, community driven handbook about mobile technologies: Over 20 experts from all over the world are sharing their know-how on topics like mobile app design, platform-specific aspects of app development, cross-platform development, mobile analytics, accessibility, monetization, app stores, LBS, NFC, app testing and a lot more.
The book is popular among developers wanting to deepen their knowledge and decision-makers planning to enter the mobile business alike. The content gets updates and extended continuously, 13 editions have been published since 2009 and 50,000 hardcopies have been distributed.
Books Deals

Amazon Coupons
g: 4 Posted By: remick
Views: 629 Replies: 0 Intel Trusted Execution Technology for Server Platforms: A Guide to More Secure Datacenters
​http://www.amazon.com/gp/product/B00DREFPK6

"This book is a must have resource guide for anyone who wants to ... implement TXT within their environments. I wish we had this guide when our engineering teams were implementing TXT on our solution platforms!



Managing Risk and Information Security: Protect to Enable
http://www.amazon.com/gp/product/B00ACC6BZE

4.1 out of 5 stars (19 customer reviews)

Managing Risk and Information Security: Protect to Enable, an ApressOpen title, describes the changing risk environment and why a fresh approach to information security is needed. Because almost every aspect of an enterprise is now dependent on technology, the focus of IT security must shift from locking down assets to enabling the business while managing and surviving risk. This compact book discusses business risk from a broader perspective, including privacy and regulatory considerations. It describes the increasing number of threats and vulnerabilities, but also offers strategies for developing solutions. These include discussions of how enterprises can take advantage of new and emerging technologiessuch as social media and the huge proliferation of Internet-enabled deviceswhile minimizing risk.




Books Deals

Amazon Coupons
g: 3 Posted By: remick
Views: 475 Replies: 2 http://www.amazon.com/gp/product/B00DD38EYU

4.5 out of 5 stars (8 customer reviews)

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 make creating 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 for
This 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.



Android on x86: An Introduction to Optimizing for Intel Architecture
http://www.amazon.com/gp/product/B00EI22XB0

Android on x86: an Introduction to Optimizing for Intel
Architecture serves two main purposes.
First, it makes the case for adapting your applications onto Intels x86
architecture, including discussions of the business potential, the changing
landscape of the Android marketplace, and the unique challenges and
opportunities that arise from x86 devices.
The fundamental idea is that extending your applications to support x86
or creating new ones is not difficult, but it is imperative to know all of the
technicalities. This book is dedicated to providing you with an awareness of
these nuances and an understanding of how to tackle them.

Second, and most importantly, this book provides a one-stop
detailed resource for best practices and procedures associated with the
installation issues, hardware optimization issues, software requirements,
programming tasks, and performance optimizations that emerge when developers
consider the x86 Android devices. Optimization discussions dive into native
code, hardware acceleration, and advanced profiling of multimedia applications.
The authors have collected this information so that you can use the book as a
guide for the specific requirements of each application project.

This book is not dedicated solely to code; instead it is
filled with the information you need in order to take advantage of x86
architecture. It will guide you through
installing the Android SDK for Intel Architecture, help you understand the
differences and similarities between processor architectures available in
Android devices, teach you to create and port applications, debug existing x86
applications, offer solutions for NDK and C++ optimizations, and introduce the
Intel Hardware Accelerated Execution Manager. This book provides the most
useful information to help you get the job done quickly while utilizing best
practices.

What youll learn
The development-relevant differences between Android on ARM and Android on Intel x86
How to set up the SDK for an emulated Intel Android device
How to build the Android OS for the Intel Mobile Processor
How to create new x86 based Android applications, set up testing and performance tuning, and port existing Android applications to work with the x86 processor
How to debug problems they encounter when working on the x86 Android test platform
Intricacies of the Intel Hardware Accelerated Execution Manager. The reader will also gain significant insight into the OpenGL Android support.
Who this book is for
Android developers
Hardware designers who need to understand how Android will work on their processors
CIOs and CEOs of technology-based companies
IT staff who may encounter or need to understand the issues
New startup founders and entrepreneurs
Computer science students



Also Free

Mobile Developer's Guide To The Galaxy
http://www.amazon.com/gp/product/B00BS6RIKU

The free, community driven handbook about mobile technologies: Over 20 experts from all over the world are sharing their know-how on topics like mobile app design, platform-specific aspects of app development, cross-platform development, mobile analytics, accessibility, monetization, app stores, LBS, NFC, app testing and a lot more.
The book is popular among developers wanting to deepen their knowledge and decision-makers planning to enter the mobile business alike. The content gets updates and extended continuously, 13 editions have been published since 2009 and 50,000 hardcopies have been distributed.
Books Deals

Amazon Coupons
g: 2 Posted By: remick
Views: 284 Replies: 0 http://www.amazon.com/gp/product/B00ACC6BZE

4.1 out of 5 stars (19 customer reviews)

Managing Risk and Information Security: Protect to Enable, an ApressOpen title, describes the changing risk environment and why a fresh approach to information security is needed. Because almost every aspect of an enterprise is now dependent on technology, the focus of IT security must shift from locking down assets to enabling the business while managing and surviving risk. This compact book discusses business risk from a broader perspective, including privacy and regulatory considerations. It describes the increasing number of threats and vulnerabilities, but also offers strategies for developing solutions. These include discussions of how enterprises can take advantage of new and emerging technologiessuch as social media and the huge proliferation of Internet-enabled deviceswhile minimizing risk.




Books Deals

Amazon Coupons
Third Federal or Penfed
Added on : Wednesday April 16th 2014 03:00:07 AM
g: 0 Posted By: incoon
Views: 40 Replies: 1 right now, Third Federal has a low closing cost for 295 (5/1 ARM), they say they pay for all other closing cost.
Penfed does not pay any of the closing cost (for 5/5 ARM). The estimated closing cost for me is around 10k.
the rates are virtually the same.

Can someone confirm whetherThird Federal is a reliable lender? any hidden terms?
Discussion Deals
g: 0 Posted By: remick
Views: 84 Replies: 0 Rhubarb Delights Cookbook: A Collection of Rhubarb Recipes
http://www.amazon.com/gp/product/B00IZNUZ5E

Rhubarb is an all-time favorite vegetable that once was used for medicinal purposes, but has always tasted delicious in Moms homemade pie. In this cookbook, youll find more than just pie recipes to spark your imagination in cooking with rhubarb.
Delicious rhubarb is versatile, nutritious, and always adds a special air to many dishes, whether used in cakes, pies and breads, in preserves, as a salad ingredient, in wines or brandies, or any number of other imaginative ways. In Rhubarb Delights Cookbook, author Karen Jean Matsko Hood presents her collection of more than 250 exciting rhubarb recipes that will be sure to please everyone. Inside, you will also find some fascinating reading regarding this old-time favorites history, folklore, cultivation, and much more. With recipes using readily available ingredients, Rhubarb Delights Cookbook will be a valued addition to any chefs bookshelf.



The Donut Cookbook: A Baked Donut Recipe Book with Easy and Delicious Donuts that your Family and Kids Will Love
http://www.amazon.com/gp/product/B00ID3K4QG

How about biting into a freshly baked donut with a pleasingly moist and warm inside and perfectly nestled into a delicious creamy glazed exterior? The Donut Cookbook is a one-stop resource for donuts of all taste and occasions birthday, Christmas, Easter, Halloween, Valentine's day, baby shower, Mothers Day and more. This cookbook is loaded with the ultimate indulgence of more than 100 donut recipes that will make your mouth water in anticipation of the next bite.

Whether you are looking for something fancy or something not so fussy, this book has more than 100 baked donut recipes plus decorating ideas just for you. Baking these delicious homemade donuts will be a hole lot of fun! You and your family will love them!
Books & Magazines Deals
Yodlee Q&A
Added on : Tuesday April 15th 2014 04:00:09 PM
g: 0 Posted By: hanahwy
Views: 40 Replies: 0 We had a Yodlee Q&A where we could post questions and Yodlee reps would answer. That was really the fastest way to resolve problems since opening tickets, unfortunately, does not go anywhere.

That topic is archived. I created this in hopes to revive this.

Please don't red this one even if you don't like Yodlee. It is still a free service, and it works pretty good when it works.
Discussion Deals
FinCEN and You Redux. The Laws Behind Trying To Manufacture Spend.
Added on : Tuesday April 15th 2014 04:00:09 PM
g: 0 Posted By: TheHimalayas
Views: 137 Replies: 3 A follow-up on an archived thread:
http://www.fullofdeals.com/forums/finance/1290785/

WMs in my area have now been instructed by WalMart Financial Services to file CTRs for 10K or more of MoneyCenter (BPs/MOs/BB/etc) transactions in a business day even if the transaction has been paid using Visa/MC GCs. They argue that these GCs are "monetary instruments".

Discuss.
Discussion Deals
g: 0 Posted By: PatioFurniture
Views: 137 Replies: 0 http://www.musiciansfriend.com/drums-percussion/gretsch-drums-ca...

http://www.amazon.com/Gretsch-Catalina-Street-4-Piece-Shell/dp/B... $599.99 @ Amazon

CB should work

Music Deals

Musician's Friend Coupons
g: 0 Posted By: tuphat
Views: 103 Replies: 0 "Over the last year, a rabbi, a state NAACP official, a small town mayor and other community leaders wrote op-eds and letters to Congress ...[all] against a...proposal that would give taxpayers the option to use pre-filled tax returns ... Intuit [which makes TurboTax] has long worked against return-free filing. The company has said in [SEC] filings ... that it views free government tax preparation as a risk to its business. Last year, the company spent more than $2.6 million on lobbying, some of it to lobby on four bills related to the issue."

http://www.propublica.org/article/turbotax-maker-linked-to-grass...
Discussion Deals
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
g: 0 Posted By: MISTERCHEAP
Views: 97 Replies: 0 https://www.facebook.com/LittleUtzGirl/app_747515481949790

IMO some of the best Kettle Chips! The dark russet brown flavor is super! they also make a reduced fat variety too in this.
Snacks Deals
g: 0 Posted By: remick
Views: 44 Replies: 0 http://www.amazon.com/dp/B007SQBG4

4.7 out of 5 stars (66 customer reviews)

Revised Edition...

If you have EVER done a portrait...then you must have heard the question, "what should I do with my hands?"

Did you have an answer? Check out this course volume and you will! In just a matter of moments you will never be at a loss for what to do with the hands again!

And that's not all! In this volume we discuss posing the arms too! We cover the basic positions and how to direct the model into them. There are tons of variations for the upper arms, forearms and hands.

This massively illustrated, easy to read and easy to understand course volume will show you everything you need in order to completely MASTER the art of posing hands and arms.

To see what you are getting... Here is a list of the Table Of Contents:

Contents
Introduction
An Anchor Point
Missing Arms
Talking With Your Hands!
Hands Pointed Up Or Down?
Making Hands Look Younger!
Arms
Foreshortened Arms
Elongated Arms
Keep The Arms Parallel To The Camera
Positioning The Upper Arm
The Upper Arm Positions
Down
Up
Out
In
Combinations
The Forearm
The Trap
The Teapot Pose
Photo Exercise
The Hand
Broad Surface On Back Of Hand
Broad Surface On Front Of Hand
Narrow Edge - Thumb Side
Narrow Edge - Pinky Side
The Wrist
The Twist
The Break
Front Wrist Break
Back Wrist Break
Wrist Break Towards The Pinky
Wrist Break Towards The Thumb
Hand Positions
The Broad Hand
The Tapered Hand
11 Ways To Pose The Hand
Holding A Prop
On The Chin
At The Lapel Or Necktie
On The Hip
On Opposite Arm
On Top Of (Or Behind) The Head
At The Waistline
In The Pocket
At The Side
On The Lap Or The Knee
Leaning On An Object
The Fingernails
Jewelry and Accessories
Photo Exercise 2
Additional Photo Training

Here is your chance to FINALLY have an answer to the question, "What should I do with my hands?" In fact, if it isn't in here, it probably isn't worth knowing! Get your copy right now and withing an hour you will never be at a loss as to how to pose hands and arms again!
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Amazon Chase Visa App: I got $60. + $20 for Amazon In-Store Card
Added on : Sunday April 13th 2014 11:00:11 AM
g: 0 Posted By: beachfitrob
Views: 542 Replies: 4 About 5 minutes of work for $80 of gift cards instantly added to my account. The Chase card also already shows in my Chase account too. Both apps were single, simple web pages done in literally a few minutes each.

This is a YMMV. When I googled it to see the points you get for Amazon vs. other purchases etc. they offered $30. Still, that's $50 if you get offered both.

So pay attention when you are logged in on your Amazon account and browsing.

Props to me for self control: I haven't spent a dollar of it yet!

Advice: it will default one or the other to your payment method, so change it back unless you are ready to use it for such.

Sorry if this should go in the free or deal discussion section. The reason I'm posting is because I did the $20 and then got offered the $60. Back to back, maybe 10-15 mins between the 2. Quick $80.

Apps Deals

Amazon Coupons
Amazon Chase Visa App: I got $60. + $20 for Amazon In-Store Card
Added on : Sunday April 13th 2014 10:00:03 AM
g: 0 Posted By: beachfitrob
Views: 107 Replies: 1 About 5 minutes of work for $80 of gift cards instantly added to my account. The Chase card also already shows in my Chase account too. Both apps were single, simple web pages done in literally a few minutes each.

This is a YMMV. When I googled it to see the points you get for Amazon vs. other purchases etc. they offered $30. Still, that's $50 if you get offered both.

So pay attention when you are logged in on your Amazon account and browsing.

Props to me for self control: I haven't spent a dollar of it yet!

Advice: it will default one or the other to your payment method, so change it back unless you are ready to use it for such.

Sorry if this should go in the free or deal discussion section. The reason I'm posting is because I did the $20 and then got offered the $60. Back to back, maybe 10-15 mins between the 2. Quick $80.

Amazon Coupons
Graco FastAction Fold Classic Connect Lexi Stroller - $54.37 @ Meijer
Added on : Saturday April 12th 2014 02:00:03 PM
g: 0 Posted By: ShoppingChick
Views: 175 Replies: 0 Today only meijer has the Graco FastAction Fold Classic Connect Lexi Strolleron sale for $63.97 - 15% off coupon code MP411412 =$54.37 with free in-store pickup to avoid shipping charge.

Multi-position reclining seat lies flat for baby's comfort
Convertible 3 or 5-point harness grows with your child
New one-second, single-step fold
Front swivel wheels with suspension provide superior maneuverability
Extra-large storage basket holds your travel essentials
Parent's tray with storage and 2 deep cup holders for on-the-go convenience
Child's tray with cup holder pivots or removes for no-fuss stroller entry
Weight capacity: 50 lbs

Baby Deals

Meijer Coupons
AIRFARE TO ORLANDO
Added on : Saturday April 12th 2014 05:00:12 AM
g: 0 Posted By: atiggger
Views: 54 Replies: 0 AIRFARE TO ORLANDO

My Wife two kids and I are looking into going to Disney around Halloween. We thought about making the 18 hour drive but don't want to give up the extra day and a half of "play time". Any suggestions on flights from Milwaukee to Orlando? I have not flown in so long i guess I'm outta the loop. Are some days cheaper to fly, direct vs connectors, etc.

THANKS
Discussion Deals
1099 Form (Tax Information) Not Fully Provided
Added on : Friday April 11th 2014 09:00:05 PM
g: 0 Posted By: BrunoB
Views: 10 Replies: 0 At my broker (shall remain anonymous) they had a change of clearing house during 2013. When they provided tax information for 2013 the only information available was from the current clearing house (new/2nd clearing house). No information from the previous (old/1st clearing house) is provided. I myself have no record of my transactions when the 1st clearing house was in administration. Should (and can) I just prepare my 2013 tax return based on the available information (which is purely based on what the 2nd clearing house has provided)? Would the 1st clearing house also report the record of transactions to IRS (without providing them to me or other clients during their administration). All information is provided online by my broker. I also received paper report from the 2nd clearing house, which is identical to what is available online. Any tax reporting to me from the 1st clearing house is completely missing.
Discussion Deals
Free Back Issues Of Poetry Magazine
Added on : Friday April 11th 2014 04:00:05 PM
g: 2 Posted By: MrsGuin
Views: 172 Replies: 0 Sign up below to receive a set of back issues of Poetry Magazine to read and discuss during National Poetry Month. Limit 10 copies per request.
http://www.poetryfoundation.org/npm
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New Arrivals: Michael Kors - Large Sutton Satchel
Added on : Friday April 11th 2014 09:00:05 AM
Large Sutton Satchel by MICHAEL Michael Kors, part of the Jet Set collection, is crafted in richly textured scratch resistant saffiano leather in a dressed up style. Featuring double top zip outer compartments, magnetic snap closure, adjustable shoulder strap, side snap gussets, rolled top handles, protective metal feet and hanging signature metal medallion. Gold tone signature hardware and detail. Signature dust bag included.
g: 0 Posted By: ShoppingChick
Views: 8 Replies: 0 The Children's Place is offering 50% off Select Styles plus get an Extra 20% off Sitewidewith free shipping.
Miami to Key Largo to Key West...
Added on : Thursday April 10th 2014 03:00:10 PM
g: 0 Posted By: KudeDude
Views: 49 Replies: 0 First time to Key West. I am planning to use a week down in Key largo to Key West. Does anyone have any place that they canrecommendto stay and visit? Any beaches must stay?
Discussion Deals
Defensive Driver Course price comparison?
Added on : Thursday April 10th 2014 10:00:11 AM
g: 0 Posted By: mabehr
Views: 39 Replies: 0 Hi FWF folks, long time lurker, first time poster. Please be kind!

Has anyone done a comparison of online Defensive Driving Courses? I'm not sure if they would differ by state, but I'm in NY
I've done a bit of research, and have the following:

Geico.amersc.com - 24.95 (for Geico insurance holders only?)
www.newyorksafetycouncil.com - 24.95
www.iDriveSafely.com - 26.45 (after AAA discount)
www.empiresafetycouncil.com - 29.95 (after a $15 promo code, there may be even better ones that I couldn't find)
www.newyorkdefensivedriving.com - 29.95
www.firstnetcampus.com - 32.99 (with Costco Executive Discount)
www.safetyserve.com - 39.95

Price may not be the only thing to consider here: the $40 course advertises a 100% pass rate.Does anyone have any advice?



Discussion Deals
How much of annual income to spend on Vacation
Added on : Thursday April 10th 2014 06:00:10 AM
g: 0 Posted By: chakangt
Views: 25 Replies: 0 I did a little searching and have found a few article on this, but wanted to ask your opinions.

I am self-employed. I take work when I can, as often as I can and I hate turning down work. That being said, I have had consistent work for about 10 years running my own business. I am lately feeling a little burned out, and thinking it has to do with me trying to work so much and not taking enough vacation. Part of the hesitation is I don't want to miss income opportunities. But I think I am over that, and now am wondering just how much is appropriate (or wise) to spend on vacations on an annual basis? as a function of Net Income?

for example, there are other benchmarks we (or others) use as percentages to guide us (e.g. Don't spend more than %33 of monthly income on housing, keep 6 months rainy day fund... ). Of course this is all relative to your unique situation, but thought I would ask if there is rule of thumb.

a couple of articles I found:

http://money.cnn.com/2012/05/10/pf/expert/vacation-spending.mone...

and this

http://piggington.com/how_much_of_takehome_salary_will_you_spend...

however, I trust this forum's community and experience...

I am single, no kids.

I am curious, how much do you spend on vacations every year?

Many thanks for your thoughts...
Discussion Deals
g: 1 Posted By: Redbeard25
Views: 68 Replies: 1 link

"New Member Welcome Certificate"
site said: ​Who can become a member?
You are eligible to join Christian Community Credit Union in one of two ways:
1)Through Your Church or Ministry if you are affiliated with a Christian ministry (including many Protestant Christian churches and schools) that is within Christian Community Credit Unions field of membership. You may be a member, attendee, employee, missionary, or student/alumnus.
> See if your church, ministry, or school is eligible for membership.

2)Through Your Family if you are a relative of a current member of Christian Community Credit Union. Relatives include: spouse, father/mother (and in-laws), brother/sister (and in-laws), son/daughter (and in-laws), grandparent, grandchild, aunt, uncle, niece, nephew or cousin.For more information about your membership eligibility, call800.347.CCCU (2228).

Early withdrawal is $25+90-days interest.

There is PLENTY of discussion about the organizationhereandhere.If you're ASI-averse, or church-averse this isn't the CD for you. And, when I completed the application, the maximum deposit it would take was $2500 - not sure where the $5K figure on their website comes in.
Deposits Deals
Walmart has card chip readers
Added on : Wednesday April 09th 2014 04:00:05 PM
g: 0 Posted By: UncaMikey
Views: 87 Replies: 1 We made a quick trip to a WalMart Supercenter today to pick up a few grocery items. My wife used her BoA Visa Signature (ex-Schwab Visa) that has chip and signature. After she swiped her card, the cashier got some kind of alert on the register and asked us to instead put the card into the slot at the bottom of the card reader. Voila! No PIN, no signature, the cashier handed us a receipt and we were on our way.

Maybe it won't be so hard after all for U.S. retailers to switch to chip-enabled card readers? WalMart already has the equipment in place.
Discussion Deals
Nationwide Paid Military Study - $160
Added on : Wednesday April 09th 2014 01:00:07 PM
g: 0 Posted By: badsister
Views: 12 Replies: 0 Hoping this can help someone out!

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

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

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

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

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

Keep in mind that at no time will anyone try to sell you anything. Instead, our clients want to pay you for your opinions! All information given will be kept strictly confidential.
For more information on our company, please visitwww.elliottbenson.com/
Link to screening survey to see if you qualify: https://www.surveymonkey.com/s/ProjectEMPIRE
Discussion Deals
g: 0 Posted By: ussrfw
Views: 21 Replies: 0 I plan to contribute $5500 for 2013 Roth IRA.
Thanks.


Tax Deals
g: 0 Posted By: remick
Views: 119 Replies: 0 Character Building Stories: Friendship Skills for Raising Happy Children + 75 Parenting Tips helps your kids get exactly what they want FRIENDS.
http://www.amazon.com/dp/B00I4BNEYG

5.0 out of 5 stars (12 customer reviews)

INSIDE: Download FREE Bonus Collections!

. 20 Friendship Rhymes with friendship skills to motivate your child
. 50 Social Skills with a weekly calendar promote progress
. 75 Parenting Tips for raising happy children with social skills

5 STAR reviews say:

an exciting and fun way to help kids feel comfortable about taking healthy risks
models for parents how to encourage and reinforce positive self-talk in their children
the unique functions of the left and right brain provide a nice framework for the child to understand her behavior...

The 20 character-building stories explore typical social problems. Each cartoon kid shows your elementary-age child what doesnt work and how to change it with friendship skills like:

. Rubber Band Rubys Friendly Stretch
. Nail-Biting Nates If-Then Formula
. Funny-Bones Fannys Laughter Law
. Eddies Eyeball Tactic
. Grim Tims Open Approach
. Lazybones Larrys Pitch-In Principle
. Bettys Upbeat Booster

With each character-building story, your child learns how to use all 20 of the social skills with their easy tips for becoming a friendly child by:

. Hearing the characters problem
. Sensing the childs pain
. Understanding the friendship skill to practice
. Seeing how the character uses the skill and makes new friends
. Discussing the solutions and applying them to his own life

Can your kids be happy without friends? Research says, No!

To the parent who wants the best friendship skills for raising happy children:

1. Use these stories for delightful discussions. Read them together. Ask the questions. Listen and appreciate your childs wisdom.
2. Ask your children, What advice would you give to help the character? Find out what your son or daughter really thinks.
3. Discover how your kids handled similar situations in the past. Their openness can touch your heart and create both trust and closeness.
4. Suggest to your youngsters that they use the friendship rhymes as messages to themselves. Repeating the rhymes can boost positive thinking and friendly behaviors.
5. Encourage your boy or girl to create a picture book with captions to reinforce each storys friendship skill. Suggest they refer to their own book whenever they need to.

Watch your son or daughter put these friendship skills into practice. And if they tell you what they really feel, you might hear them say, Im so happy.
Pick up your copy of Character Building Stories: Friendship Skills for Raising Happy Children + 75 Parenting Tips and enjoy helping your child develop a friendlier personality that boosts confidence and attracts friends.



WHAT HAPPY KIDS KNOW
http://www.amazon.com/dp/B00C4LRN26

5.0 out of 5 stars 3 customer reviews)

There are so many books available for adults on the subject of finding happiness. The most useful of them approach the subject with research-based cognitive psychology and help their readers retrain the way they think. To be more objective. More optimistic. Happier.
But how many years of unhappiness can be avoided for anyone who learns these psychological concepts at a younger age, before they need them. What if you could help someone avoid losing the ability to be happy in the first place?

What Happy Kids Know is the first book on the subject of happiness written specifically for young readers. What Happy Kids Know uses well-established principles of cognitive psychology to provide step-by-step instructions and examples to help young minds find balance, perspective, and happiness to last them a lifetime.
Totally Free Deals
FREE steam key for Zombies on a Plane once greenlit 24h only for $0
Added on : Wednesday April 09th 2014 02:00:06 AM
g: 1 Posted By: Deals4mykids
Views: 305 Replies: 0 http://steamcommunity.com/groups/Grabthegames/discussions/0/5587...
Video Games 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: 6 Posted By: netoholic
Views: 3207 Replies: 17 Visit both the Sears and Kmart local ads, and click the Points Giveaway graphic to sign up for points during the promotion period. They will be available on your Shop Your Wayaccount later during the dates listed to spend at Sears, Kmart, Land's End, etc.

http://SearsLocalAd.com
http://KmartLocalAd.com


Current promotion: 2000 points from Kmart Local Adand 2000 points from Sears Local Ad.Signup: 4/8-4/10. Points usable 4/13-4/19.

Previous promotion: 500 points from Kmart Local Adand 500 points from Sears Local Ad.Signup: 3/24-3/27. Points usable 3/30-4/5.
More Shop Your Way points related threads and program links:

Shop Your Way (SYW/SYWR) Points program at Sears/Kmart - Official Master Thread
Free points daily for participating in FitStudio
Free $5 in points for signing up with a Personal Shopper
Check your Shop Your Way points total
Check to see if you've got any Surprise Points that you can use at check-out​

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

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

My thoughts: Maybe I could also tell them I'm recording the phone call and do so. Maybe that would allow me to sue if they lie again? And maybe they wouldn't offer me anything under those circumstances...
Xbox One Wireless Controller - $49.96 + FS @ Amazon
Added on : Monday April 07th 2014 07:00:02 PM
g: 0 Posted By: st4rdust
Views: 95 Replies: 0 Amazon has anXbox One Wireless Controllerfor $49.96 with Free Super Saver Shipping.

4.3/5 stars based on 318 reviews.

Trigger buttons with developer-customized rumble feedback-Precision Directional Pad-Supports Wi-Fi Direct Stack Radio
Over 40 improvements to the award-winning 360 Wireless Controller, without taking anything away from what you love
Newly designed D-pad is perfect for all types of game genres including sports, fighting, FPS, and more. Optimized for both directional and sweeping D-pad movements.
New wireless radio that enables faster data transfer to the console
Pick up and play. Kinect automatically recognizes who is gaming and which controller they are holding.



I love love love love the newer controller style. Until this generation of consoles I was always a fan of Sony controllers. The Xbox One controllerfits naturally in my hands, which I've been waiting for since the beginning of time.

Xbox 360 Deals

Amazon Coupons
Amazon Sellers, Sales Taxes?
Added on : Monday April 07th 2014 11:00:17 AM
g: 0 Posted By: myhotrs
Views: 12 Replies: 0 I searched all over and could not find this. I know how to charge sales tax on my Amazon sales. What I am asking is whether folks here go through the hassle or not and if anyone knows what Amazon reports. I'm in California and selling both myself and FBA. Started a few months ago and volume will probably trip a 1099 this year. Thats not a problem, I'm prepared to pay income tax. I just can't believe how complex the tax issue is with AZ and that everyone who sells has gone through the pain of setting up and reporting every state.

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

If I missed an existing discussion, I apologize and if someone could point me in the right direction that would be appreciated. Also, PMs welcome for those who don't want to post.
New Arrivals: Jil Sander - Jil Bag Laminated Mini Satchel
Added on : Monday April 07th 2014 09:00:05 AM
Jil Bag Laminated Mini Satchel is crafted in sleek laminated leather with beaded accents in a timeless style with a modern twist. Featuring exclusive flat brass hardware, rolled double handles, detachable shoulder strap, side gussets with slip pockets, top zip closure and silver tone hardware. Made in Italy.
Franky Pique Navy Calfskin Crossbody Bag is crafted in pique textured calfskin leather that is a perfect practical pouch for city commuters or an all around great bag for the weekend. Featuring adjustable canvas and strap, can be carried by the leather handles or over the shoulder, interior zip pocket and signature detachable flashlight and bottle opener. Signature dust bag included.
Get 60% off select WeatherHandler 4pc. Floor Mat Sets @ Sears
Added on : Sunday April 06th 2014 08:00:08 PM
g: 0 Posted By: ctgolfer
Views: 180 Replies: 0 www.sears.com/automotive-interior-accessories-floor-mats-floor-l...
Auto Parts Deals

Sears Coupons
Botched Root Canal & Crown Procedure
Added on : Sunday April 06th 2014 05:00:03 PM
g: 0 Posted By: helyn4
Views: 109 Replies: 1 Good Evening,

My dentist performed a root canal procedure that she ended up botching up. She ended up breaking the tip of her instrument and now I have that tip stuck in one of my canals. After 3 hours in the chair with no warning, she finally told me what she did when she "finished what she could" and told me I would have to go see an Endodonist right away. I still ended up having to pay her for part of the procedure which did not make sense to me. I ended up going to see an Endodontist for the next 3-4 months with them not able to get the tip out. They were going to do surgery to pull the tip out through the gum instead of pulling the tooth. I had to go see a Neurologist and have CT scans done but after all that was completed, the Endodontist (with the dentist recommendation) decided it was not in my best interest to have the surgery and was told to go back to the dentist for further evaluation. I refuse to go back to this dentist. I want to go see someone else but I want the dentist to pay for the procedures that I may need to get this corrected but how do I go about "asking" her to pay when she does not even take responsibility. I have had lawyers state that filing a claim would cost more then what I would probably get so they will not even take this case. One of the lawyers said I should go back to the dentist to ask her to pay for future treatments or pay back for all procedures already done. I do not really want to have the tooth pulled since they put a crown on the same tooth that they through would help with the "discomfort" I was experiencing but did not resolve.

Any recommendations? How would I go about "asking" her to pay for something she is clearly responsible for but unlikely to help with?
Discussion Deals
TSP Expense Ratios updated for 2014 (CY 2013)
Added on : Sunday April 06th 2014 04:00:07 PM
g: 0 Posted By: medion
Views: 38 Replies: 1 I got my annual statement a few weeks ago. I'm used to them simply giving an overall expense ratio (which can be seen at link at the bottom). However, this is the first time I've seen them break it down by fund. So, while the overall is 0.029% (2.9 basis points), here's how the individual funds break down.

G-Fund - 0.27%
F-Fund - 0.39%
C-Fund - 0.29%
S-Fund - 0.26%
I-Fund - 0.29%
L-2050 - 0.29%
L-2040 - 0.29%
L-2030 - 0.29%
L-2020 - 0.28%
L-Income - 0.28%

https://www.tsp.gov/investmentfunds/fundsoverview/expenseRatio.shtml
Discussion Deals
Free McChicken or BBQ Ranch Burger at McDonalds - NY Tri-State Only
Added on : Sunday April 06th 2014 02:00:05 PM
g: 0 Posted By: remick
Views: 207 Replies: 0 http://www.mcdonaldsnytristate.com/coupon/show/138

Valid in the following New York, New Jersey and Connecticut Counties: Bergen, Essex, Hudson, Hunterdon, Middlesex, Monmouth, Morris, Ocean, Passaic, Somerset, Sussex, Union, Warren, Nassau, Suffolk, Manhattan, Bronx, Brooklyn, Staten Island, Queens, Dutchess, Putnam, Rockland, Sullivan, Ulster, Westchester and Fairfield

The coupon is generic
Food & Grocery Deals
g: 3 Posted By: MrVietnam
Views: 1087 Replies: 6 Moneymaker Deals

You can core better than FREE Anacin Pain Reliever! Print this $2.00 off (1) Anacin Product couponNOW.
Anacin Pain Reliever will be on sale for $4.99 and you will receive a $4.00 +UP Reward (limit 2).

{Deal Idea}
Buy (2) Anacin Pain Reliever 50ct. $9.98 ($4.99 each)
Use (2) $2.00 off (1) Anacin Product
Pay: $5.98, Get back (2) $4.00 +UP Rewards (limit 2)
= $2.02 Moneymaker (wyb 2)! (Thanks crombie)


+UPs write up

$5 +UPS wyb $15 @ BOGO50% Maybelline New York - All Cosmetics, excluding Clearance items L2

$1 +UPS wyb 2 @ 2/$5 Cadbury Eggs 4 pack, Hershey's Easter Chocolate Bags or Select Premium Jelly Beans, L4

$1 +UPS wyb 3 @ 3/$5 Whoppers Robin Eggs or Mini Robin Eggs 10oz, L4
$1/3 MQ Sunday Paper

$1 +UPS wyb 2 @ 2/$7 Reese's Reester Bunny 5oz or Reese's Jumbo Egg 6oz, L4
$1/2 MQ Sunday Paper

$1 +UPS wyb 2 @ 2/$3 Brach's Jelly Bird Eggs 16oz, L4

$1 +UPS wyb 2 @ 2/$4 Select Non-Chocolate Bagged Candy, Reg $2.99, L4
Pictured Fun Size Skittles, Easter Egg Shaped Tootsie Pops & Brach's Chicks & Rabbits

$1 +UPS wyb @ $6.99 Whitman's Meaning of Easter Tin 10oz, Lindt Gold Bunny Basket 3.5oz, Ferrero Rocher Easter Egg or Bunny 5.7oz, L4

$1 +UPS wyb 2 @ 2/$6 Russell Stover Marshmallow Egg Crate 9oz or Jelly Beans 12oz or Hello Kitty PEZ, L4

$5 RAQ wyb $30 or more iTunes Gift Card

$5 +UPS wyb $25 of these items AMC Theatres Gift Card, L2

$5 +UPS wyb $20 @ BOGO50% Johnson's Baby Care or Huggies Jumbo Pack Diapers or Wipes or Destin 2oz, L2

$2 +UPS wyb 2 @ 2/$8 Tom's of Maine products or bar soap 2pack, L2
$2/2 MQ Sunday Paper

$1 +UPS wyb @ $9.99 Claritin or Claritin-D Allergy Relief, L2
Tablets or Redi Tablets, 10ct or Children's Liquid 4oz

$5 +UPS wyb @ $17.99 Nasacort Allergy Relief 120 Sprays, Allegra Allergy 180mg 30ct Allegra-D 15-20ct, L2
See Sunday Paper for MQ
March VV $3 Nasacort & $2 any Allegra
Also CAT's from recent weeks

$3 +UPS wyb $10 Crest, Fixodent or Oral-B Multipacks, L2

$1 +UPS wyb @ $5.00 Bic Flex3, Hybrid or Soleil Razors 4ct, L2
$3 MQ Sunday Paper

$2 +UPS wyb @ $7.99 Multi-Purpose Solution Revitalens 10oz, Complete 12oz, Blink Tears 15ml, L2
$1 MQ Sunday Paper

$2 +UPS wyb @ $7.99 One A Day Vitamins 100ct, 50+ 65ct, Teen, Edge, Energy, Petites and Active Metabolism, All VitaCraves 50ct, Citacal Chews 60ct, L2

$10 +UPS wyb $25 Rite Aid Entire Selection of Fish Oils and Omega, L1

$2 +UPS wyb 2 @ BOGOFree L'il Critters or Vitafusion Gummy Vitamins, L2

$4 +UPS wyb @ $4.99 Pain Relief, L2
Anacin 50ct
Stopain 3-4oz
Legatrin PM 50ct
Cura+Heat Patches 4-7ct

$5 +UPS wyb $15 of these items, dated 3/30-4/26, L2
Garnier Nutrisse Creme or Foam Hair Color one application @ $6.99 $2 MQ Sunday Paper
Garnier Olia Hair Color one application @ $8.99 $3 MQ Sunday Paper
Garnier Facial Skin Care Cleaners @ $2 OFF
Garnier Skin Care @ $14.99 Reg Retail $16.99-$17.99
Garnier Fructis Shampoo or Conditioner 10-13oz or Select Stylers @ $2.99 $1 MQ Sunday Paper
Garnier All Skin Renew and Ultra Lift Facial Skin Care @ $11.99 reg retail $12.99-$15.49

$1 +UPS wyb 2 @ 2/$8 Secret, Gillette or Old Spice Deodorants/Antiperspirants, L2
Secret - Outlast, Scent Expressions, Natural Mineral, Fresh Effects 2.6-2.7oz
Gillette 2.6-4oz
Old Spice - Red Zone or Fresh Collections 2.6 - 3oz

$1 +UPS wyb @ $3.99 Speedstick Gear Antipers/Deo or Body Spray, Irish Spring Gear Body Wash 15oz or Bar Soap 6 pack, L2
$1.50 MQ Sunday Paper

$2 +UPS wyb @ $7.99 Secret or Gillette Antipers/Deo, Clinical 1.6-1.7oz or Twin Packs, L2

$1 +UPS wyb 2 @ 2/$6 Revlon Colorsilk Hair Color, one application, L3

$3 +UPS wyb $10 @ 40% Wet n Wild Cosmetics excludes clearance items, L2
MQ in Sunday Paper

$10 +UPS wyb $30 @ BOGO50% L'Oreal any Skin or Sun Care Product, excludes clearance, L2

$5 +UPS wyb $20 @ BOGO50% Neutrogena all Cosmetics excludes clearance, L2
MQ in Sunday Paper

$1 +UPS wyb 2 @ BOGO50% N.Y.C. all Cosmetics excludes clearance, L2

$3 +UPS wyb $10 Kiss and Broadway Artificial Nails excludes clearance

$2 +UPS wyb 2 @ BOGO50% any Simple, Pond's or Noxzema skin care product, L2

$1 +UPS wyb 2 @ 2/$5 RA Maxi Pads 14-24ct [excludes overnights extra heavy 20ct] Pantiliners 60ct, Tampons 18-20ct

$1 +UPS wyb $5 RA Renewal Implements excludes clearance, L2

$1 +UPS wyb 2 @ 2/$4 Palmolive Dishwashing Liquid 20-25oz, L2
.50/1 or $1/2 MQ 3/23 SS - Exp 4/12 - $ amount is regional

$2 +UPS wyb @ $16.99 The Hobbit: The Desolation of Smaug DVD 2 Disc Special Edition, release 4/8/14, L2

$1 +UPS wyb @ $14.99 BRITA Classic Pitcher or 3 Pack Filters, L4
$4 MQ Sunday Paper

$4 +UPS wyb 2 @ BOGO50% Foster Grant - all Sunglasses [excludes ASOT]

$1 +UPS wyb @ $5.99 Nescafe' Clasico Coffee 7oz, Folgers Instant Coffee 8oz, Dunkin' Donuts Coffee 12oz, Maxwell House Instant Coffee 8oz, L3

$1 +UPS wyb @ $8.99 Maxwell House Coffee 30.6oz, L3

$2 +UPS wyb 3 @ 3/$12 Coke or Coke Products 12 pack, 12oz cans, L2

$1 +UPS wyb 3 @ 3/$3 Dentyne, Stride or Trident Single Serve Gum, L4

$3 +UPS wyb 2 @ 2/$8 TRESemme Shampoo or Conditioner 32oz or Select Stylers,L4

$10 +UPS wyb $20 @ BOGO50% all Nature Made Vitamins and Supplements, L2

$2.50 +UPS wyb @ $3.49 Colgate Total Advanced Toothpaste 4oz, Mouthwash 250ml, Manual Toothbrush 1ct, L2

$7.50 +UPS wyb @ $24.99 Pampers Super Pack Diapers, L2
$1.50 on-line e-saver offer

$1 +UPS wyb @ $2.88 RA Pantry Crystal Lake Spring Water 24 pack, L2
Health & Beauty Deals
g: 0 Posted By: DaysFan
Views: 187 Replies: 0 http://www.kingsizedirect.com
Buy three clearance items, get the fourth for $1 applies to merchandise total, not including shipping and handling or taxes. 4th item is your least expensive item. Does not apply to Shoes.

Not applicable on purchases from The Sportsmans Guide, PlusSizeLiving, eBags, non-KingSize items on OneStopPlus.com, and all merchandise that is shipped directly from the manufacturer.

Enter KS40411 in the Promotion Code box in your Shopping Cart, then click Apply. Your discount will be applied automatically. Not redeemable for cash. Not applicable to payment of prior purchases, charges, gift cards or e-gift cards. Cannot be combined with any other discount offer.

Expires 4/5/14 at 11:59pm ET
Clothing Deals
New Arrivals: Alexander Wang - Rocco Black Pebbled Lamb With Rose Gold
Added on : Saturday April 05th 2014 09:00:04 AM
Rocco Black Pebbled Lamb With Rose Gold is crafted in textured lamb leather in signature rock chic classic style. Featuring double handles, zipped opening, bristle stud base, two internal pockets, large zipped compartment, exterior zipped gusset, removable shoulder strap with signature dog clips and shoulder patch. Rose gold tone hardware and detail. Signature dust bag included.
Rockie In Pebbled Sesame With Rhodium Hardware is crafted in richly textured leather and is the smaller version of the Rocco in a classic satchel style with a rock twist. Featuring double handles, double zipped opening, studded bottom, two internal pockets along with a larger zipped compartment, one exterior zipped gusset, a shoulder strap with signature dog clips and shoulder patch. Rhodium tone hardware and detail. Signature dust bag included.
Rockie In Pebbled Latte With Rose Gold Hardware is crafted in richly textured leather and is the smaller version of the Rocco in a classic satchel style. Featuring double handles, double zipped opening, studded bottom, two internal pockets along with a larger zipped compartment, one exterior zipped gusset, a shoulder strap with signature dog clips and shoulder patch. Rose gold tone hardware and detail. Signature dust bag included.
New Arrivals: Alexander Wang - Rocco Soft Meringue With Pale Gold
Added on : Saturday April 05th 2014 09:00:04 AM
Rocco Soft Meringue With Pale Gold is crafted in supple leather in a classic satchel form with rock chic style. Featuring double handles, zipped opening, bristle stud base, two internal pockets, large zipped compartment, exterior zipped gusset, removable shoulder strap with signature dog clips and shoulder patch. Gold tone hardware and detail. Signature dust bag included.
g: 3 Posted By: MrVietnam
Views: 1044 Replies: 3 Moneymaker Deals

You can core better than FREE Anacin Pain Reliever! Print this $2.00 off (1) Anacin Product couponNOW.
Anacin Pain Reliever will be on sale for $4.99 and you will receive a $4.00 +UP Reward (limit 2).

{Deal Idea}
Buy (2) Anacin Pain Reliever 50ct. $9.98 ($4.99 each)
Use (2) $2.00 off (1) Anacin Product
Pay: $5.98, Get back (2) $4.00 +UP Rewards (limit 2)
= $2.02 Moneymaker (wyb 2)! (Thanks crombie)


+UPs write up

$5 +UPS wyb $15 @ BOGO50% Maybelline New York - All Cosmetics, excluding Clearance items L2

$1 +UPS wyb 2 @ 2/$5 Cadbury Eggs 4 pack, Hershey's Easter Chocolate Bags or Select Premium Jelly Beans, L4

$1 +UPS wyb 3 @ 3/$5 Whoppers Robin Eggs or Mini Robin Eggs 10oz, L4
$1/3 MQ Sunday Paper

$1 +UPS wyb 2 @ 2/$7 Reese's Reester Bunny 5oz or Reese's Jumbo Egg 6oz, L4
$1/2 MQ Sunday Paper

$1 +UPS wyb 2 @ 2/$3 Brach's Jelly Bird Eggs 16oz, L4

$1 +UPS wyb 2 @ 2/$4 Select Non-Chocolate Bagged Candy, Reg $2.99, L4
Pictured Fun Size Skittles, Easter Egg Shaped Tootsie Pops & Brach's Chicks & Rabbits

$1 +UPS wyb @ $6.99 Whitman's Meaning of Easter Tin 10oz, Lindt Gold Bunny Basket 3.5oz, Ferrero Rocher Easter Egg or Bunny 5.7oz, L4

$1 +UPS wyb 2 @ 2/$6 Russell Stover Marshmallow Egg Crate 9oz or Jelly Beans 12oz or Hello Kitty PEZ, L4

$5 RAQ wyb $30 or more iTunes Gift Card

$5 +UPS wyb $25 of these items AMC Theatres Gift Card, L2

$5 +UPS wyb $20 @ BOGO50% Johnson's Baby Care or Huggies Jumbo Pack Diapers or Wipes or Destin 2oz, L2

$2 +UPS wyb 2 @ 2/$8 Tom's of Maine products or bar soap 2pack, L2
$2/2 MQ Sunday Paper

$1 +UPS wyb @ $9.99 Claritin or Claritin-D Allergy Relief, L2
Tablets or Redi Tablets, 10ct or Children's Liquid 4oz

$5 +UPS wyb @ $17.99 Nasacort Allergy Relief 120 Sprays, Allegra Allergy 180mg 30ct Allegra-D 15-20ct, L2
See Sunday Paper for MQ
March VV $3 Nasacort & $2 any Allegra
Also CAT's from recent weeks

$3 +UPS wyb $10 Crest, Fixodent or Oral-B Multipacks, L2

$1 +UPS wyb @ $5.00 Bic Flex3, Hybrid or Soleil Razors 4ct, L2
$3 MQ Sunday Paper

$2 +UPS wyb @ $7.99 Multi-Purpose Solution Revitalens 10oz, Complete 12oz, Blink Tears 15ml, L2
$1 MQ Sunday Paper

$2 +UPS wyb @ $7.99 One A Day Vitamins 100ct, 50+ 65ct, Teen, Edge, Energy, Petites and Active Metabolism, All VitaCraves 50ct, Citacal Chews 60ct, L2

$10 +UPS wyb $25 Rite Aid Entire Selection of Fish Oils and Omega, L1

$2 +UPS wyb 2 @ BOGOFree L'il Critters or Vitafusion Gummy Vitamins, L2

$4 +UPS wyb @ $4.99 Pain Relief, L2
Anacin 50ct
Stopain 3-4oz
Legatrin PM 50ct
Cura+Heat Patches 4-7ct

$5 +UPS wyb $15 of these items, dated 3/30-4/26, L2
Garnier Nutrisse Creme or Foam Hair Color one application @ $6.99 $2 MQ Sunday Paper
Garnier Olia Hair Color one application @ $8.99 $3 MQ Sunday Paper
Garnier Facial Skin Care Cleaners @ $2 OFF
Garnier Skin Care @ $14.99 Reg Retail $16.99-$17.99
Garnier Fructis Shampoo or Conditioner 10-13oz or Select Stylers @ $2.99 $1 MQ Sunday Paper
Garnier All Skin Renew and Ultra Lift Facial Skin Care @ $11.99 reg retail $12.99-$15.49

$1 +UPS wyb 2 @ 2/$8 Secret, Gillette or Old Spice Deodorants/Antiperspirants, L2
Secret - Outlast, Scent Expressions, Natural Mineral, Fresh Effects 2.6-2.7oz
Gillette 2.6-4oz
Old Spice - Red Zone or Fresh Collections 2.6 - 3oz

$1 +UPS wyb @ $3.99 Speedstick Gear Antipers/Deo or Body Spray, Irish Spring Gear Body Wash 15oz or Bar Soap 6 pack, L2
$1.50 MQ Sunday Paper

$2 +UPS wyb @ $7.99 Secret or Gillette Antipers/Deo, Clinical 1.6-1.7oz or Twin Packs, L2

$1 +UPS wyb 2 @ 2/$6 Revlon Colorsilk Hair Color, one application, L3

$3 +UPS wyb $10 @ 40% Wet n Wild Cosmetics excludes clearance items, L2
MQ in Sunday Paper

$10 +UPS wyb $30 @ BOGO50% L'Oreal any Skin or Sun Care Product, excludes clearance, L2

$5 +UPS wyb $20 @ BOGO50% Neutrogena all Cosmetics excludes clearance, L2
MQ in Sunday Paper

$1 +UPS wyb 2 @ BOGO50% N.Y.C. all Cosmetics excludes clearance, L2

$3 +UPS wyb $10 Kiss and Broadway Artificial Nails excludes clearance

$2 +UPS wyb 2 @ BOGO50% any Simple, Pond's or Noxzema skin care product, L2

$1 +UPS wyb 2 @ 2/$5 RA Maxi Pads 14-24ct [excludes overnights extra heavy 20ct] Pantiliners 60ct, Tampons 18-20ct

$1 +UPS wyb $5 RA Renewal Implements excludes clearance, L2

$1 +UPS wyb 2 @ 2/$4 Palmolive Dishwashing Liquid 20-25oz, L2
.50/1 or $1/2 MQ 3/23 SS - Exp 4/12 - $ amount is regional

$2 +UPS wyb @ $16.99 The Hobbit: The Desolation of Smaug DVD 2 Disc Special Edition, release 4/8/14, L2

$1 +UPS wyb @ $14.99 BRITA Classic Pitcher or 3 Pack Filters, L4
$4 MQ Sunday Paper

$4 +UPS wyb 2 @ BOGO50% Foster Grant - all Sunglasses [excludes ASOT]

$1 +UPS wyb @ $5.99 Nescafe' Clasico Coffee 7oz, Folgers Instant Coffee 8oz, Dunkin' Donuts Coffee 12oz, Maxwell House Instant Coffee 8oz, L3

$1 +UPS wyb @ $8.99 Maxwell House Coffee 30.6oz, L3

$2 +UPS wyb 3 @ 3/$12 Coke or Coke Products 12 pack, 12oz cans, L2

$1 +UPS wyb 3 @ 3/$3 Dentyne, Stride or Trident Single Serve Gum, L4

$3 +UPS wyb 2 @ 2/$8 TRESemme Shampoo or Conditioner 32oz or Select Stylers,L4

$10 +UPS wyb $20 @ BOGO50% all Nature Made Vitamins and Supplements, L2

$2.50 +UPS wyb @ $3.49 Colgate Total Advanced Toothpaste 4oz, Mouthwash 250ml, Manual Toothbrush 1ct, L2

$7.50 +UPS wyb @ $24.99 Pampers Super Pack Diapers, L2
$1.50 on-line e-saver offer

$1 +UPS wyb @ $2.88 RA Pantry Crystal Lake Spring Water 24 pack, L2
Health & Beauty Deals
g: 7 Posted By: netoholic
Views: 2115 Replies: 5 From April 4-12, you can earn a Mystery Award Card that may be worth $5, $10, or $15. Mystery Award Cards may be redeemed beginning April 13-26 or as stated on the card. There are two ways to enter:

answer poll questions at http://www.shopyourway.com/app/2/l/contests/sears-days-mystery-a...(click "GET STARTED NOW", no purchase necessary)
use your Shop Your Way Rewards card at checkout when you make a purchase of $50.00 or greater (before tax) at any Sears store or online at Sears.com.

Limit two (2) Entries or Free Card Requests per person and/or e-mail address, regardless of entry method. Full official rules are found at http://cpe.sears.com/s/rules/sweepstake_14617.htm

(YMMV: I was able to visit the poll page twice and get both entries.)
More Shop Your Way points related threads and program links:

Shop Your Way (SYW/SYWR) Points program at Sears/Kmart - Official Master Thread
Free points daily for participating in FitStudio
Free $5 in points for signing up with a Personal Shopper
Check your Shop Your Way points total
Check to see if you've got any Surprise Points that you can use at check-out

Surveys & Rewards Deals

Sears Coupons
Signature dust bag included.
g: 0 Posted By: remick
Views: 124 Replies: 0 http://www.amazon.com/Trivia-Quiz-Pub-Book-InQUIZitive-ebook/dp/...

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

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

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

And here are three sample questions:

Q1. According to the website of the Colchester tourist board during the English Civil War a large cannon was placed strategically on the wall of the castle. A shot from the parliamentary army managed to destroy the wall under the cannon and caused it to tumble to the ground. The Cavaliers (who were loyal to the King) tried to raise the cannon but could not do so as it was too heavy. What was the name of the cannon & how has it been immortalized?
Q2. Canonization is a process by which the Christian church declares a deceased person to be a saint. Now, during the canonization process of the Roman Catholic Church, a lawyer was appointed to argue against the canonization of the person. It was this persons job to take a skeptical view of the candidate's character, to look for holes in the evidence, to argue that any miracles attributed to the candidate were fraudulent, and so on. What was the popular name given to such a lawyer?
Q3. According In her book Fairy Tale Ending, Ursula Sautter offers this hypothesis: After the defeat of the Danes at the Battle of Bornhoved, their lands became available for colonization by the Germans. The German rulers sent out glib recruitment officers offering rich rewards to those who were willing to move to the new lands. Thousands of young adults from Lower Saxony headed west leaving their parents behind. What incident is she trying to explain?

Answers:
1. Humpty Dumpty. It is widely believed this story of the Colchester Cannon is the origin of the nursery rhyme Humpty Dumpty
2. Devil's Advocate. Therefore, today a person who advocates an opposing or unpopular cause for the sake of argument or to expose it to a thorough examination is called a "Devil's Advocate"
3. Pied Piper of Hamelin, luring away the children of the town of Hamelin

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


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

http://www.amazon.com/dp/B00G0NN7QA
Totally Free Deals
Would you rent to someone who called the housing inspector?
Added on : Friday April 04th 2014 02:00:03 AM
g: 0 Posted By: Gauss44
Views: 36 Replies: 2 Why I'm considering calling the housing inspector (http://www.cityofboston.gov/isd/housing/rental.asp):
There's been awful fumes in my apartment that neither the landlord, nor myself, can figure out. The fumes, that come and go, are so toxic that they immediately make you lightheaded, shaky, achy, cause tingling on the roof of the mouth and top of the head, a bad headache, etc. My doctor told me to get out immediately and not sleep there anymore. I wrote to my landlord and he did nothing. He offered no other place to stay and said he couldn't fix the problem. I am tempted to call the housing inspector to see if they can figure this out.

What's holding me back:
I wondering if calling a housing inspector and having an inspection done is likely to cause the landlord to provide a negative reference about me? If you are a landlord would you under these circumstances?

What's the solution?
I would really just like to move out. Only problem is that I've been looking for months now and every decent place that I've found has been rented FAST (either before I got a chance to see it or right after I saw it).
Calling the housing inspector may be a gamble because on the one hand, the fume source might be found so that problem might (or might not) be solved. If other problems are found with the rental, anyone doing repairs might be able to find the source of the fumes. Since the fumes are off and on, having workers in the apartment is a good thing because they can alert the landlord when the fumes happen. I think the landlord thinks I'm exaggerating, although I'm not, at all. If anything, I've slightly understated the problem.BUT, IF I cannot move (due to a bad landlord reference) AND the problem isn't solved, then I'm in trouble. I cannot ignore this landlord since I've lived in this place for the last 10 years.

What would you do? What would you definitely NOT do?

What the fumes are:
One type is oil vapors. The other kind of fume is not identified, but causes the reactions mentioned above - and I mean just one breath, and you feel like you're doing summer salts. It's that bad! It smells very sweet like syrup or melted sugar would and undertones of burnt plastic.
Question Deals
g: 0 Posted By: netoholic
Views: 414 Replies: 0 From April 4-12, you can earn a Mystery Award Card that may be worth $5, $10, or $15. Mystery Award Cards may be redeemed beginning April 13-26 or as stated on the card. There are two ways to enter:

answer poll questions at http://www.shopyourway.com/app/2/l/contests/sears-days-mystery-a...(click "GET STARTED NOW", no purchase necessary)
use your Shop Your Way Rewards card at checkout when you make a purchase of $50.00 or greater (before tax) at any Sears store or online at Sears.com.

Limit two (2) Entries or Free Card Requests per person and/or e-mail address, regardless of entry method. Full official rules are found at http://cpe.sears.com/s/rules/sweepstake_14617.htm

(YMMV: I was able to visit the poll page twice and get both entries.)
More Shop Your Way points related threads and program links:

Shop Your Way (SYW/SYWR) Points program at Sears/Kmart - Official Master Thread
Free points daily for participating in FitStudio
Free $5 in points for signing up with a Personal Shopper
Check your Shop Your Way points total
Check to see if you've got any Surprise Points that you can use at check-out

Surveys & Rewards Deals
g: 0 Posted By: netoholic
Views: 88 Replies: 0 From April 4-12, you can earn a Mystery Award Card that may be worth $5.00, $10.00, or $15.00. Mystery Award Cards may be redeemed beginning April 13-26 or as stated on the card. There are two ways to enter:

answer poll questions at http://www.shopyourway.com/app/2/l/contests/sears-days-mystery-a...(click "GET STARTED NOW", no purchase necessary)
use your Shop Your Way Rewards card at checkout when you make a purchase of $50.00 or greater (before tax) at any Sears store or online at Sears.com.

Limit two (2) Entries or Free Card Requests per person and/or e-mail address, regardless of entry method. Full official rules are found at http://cpe.sears.com/s/rules/sweepstake_14617.htm

(YMMV: I was able to visit the poll page twice and get both entries.)
More Shop Your Way points related threads and program links:

Shop Your Way (SYW/SYWR) Points program at Sears/Kmart - Official Master Thread
Free points daily for participating in FitStudio
Free $5 in points for signing up with a Personal Shopper
Check your Shop Your Way points total
Check to see if you've got any Surprise Points that you can use at check-out

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

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

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

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

Discussion Deals
Damage limitation - friend arrested
Added on : Thursday April 03rd 2014 12:00:08 PM
g: 0 Posted By: newnorley
Views: 52 Replies: 2 I know this isn't exactly the right place, but I don't anywhere else online more likely to be able to help.

British Friend was arrested last night in San Jose, CA. He was arrested for criminal damage, evading arrest and drunkness. The charges sound steep and I'm not sure they would stand up.

He was in a cell for 9 hours last night and started ringing round the bail bonds place most of them were like we can't help you bcos you're British. But apparently one company did bail him out. He doesn't know which one though and apparently this company has all his papers, he doesn't even know when bail expires or terms etc... he has called the police station but they have been no help. He is meant to be leaving SJ for Las Vegas tomorrow... what should his next steps be...
Discussion Deals
New Arrivals: Jerome Dreyfuss - Johan Caviar Mondrian
Added on : Thursday April 03rd 2014 09:00:19 AM
Signature dust bag included.
New Arrivals: Jerome Dreyfuss - Momo Caviar Mondrian Mini Crossbody
Added on : Thursday April 03rd 2014 09:00:19 AM
Signature dust bag included.
Bahamas in July-Aug
Added on : Thursday April 03rd 2014 07:00:13 AM
g: 0 Posted By: dpsverman
Views: 37 Replies: 0 Hi,
Any one been to Bahamas in July/Aug? It is off peak season and wanted to know how the weather is that time.

Thanks

DEVE
Discussion Deals
Google Play Free Song of the Day - Foolish by Ashanti
Added on : Thursday April 03rd 2014 07:00:10 AM
g: 0 Posted By: remick
Views: 121 Replies: 0 https://play.google.com/store/music/album?id=Bnq54ismculot2sarhw...
Totally Free Deals
Apple iTunes In-app Purchase Refunds
Added on : Thursday April 03rd 2014 06:00:11 AM
g: 0 Posted By: hoosierary1
Views: 153 Replies: 0 Just received an email from Apple indicating that they will be refunding for in-app purchases where a child may have purchased without a parents authorization. My questions is how will would Apple be able to validate if a child was really the one who ordered the app and therefore eligible for a refund? Seems as though I could claim any of my app purchases were by my children (although I wouldn't).~~

Dear iTunes account owner,

Apple is committed to providing parents and kids with a great experience on the App Store. We
review all app content before allowing it on our store, provide a wide range of age-appropriate
content, and include parental controls in iOS to make it easy for parents to restrict or disable
access to content.

Weve heard from some customers that it was too easy for their kids to make in-app purchases.
As a result, weve improved controls for parents so they can better manage their childrens
purchases, or restrict them entirely. Additionally, we are offering refunds in certain cases.

Our records show that you made some in-app purchases, and if any of these were unauthorized purchases by a minor, you might be eligible for a refund from Apple.

Please follow the steps below to submit a refund request:
Find your in-app purchase records. Check your email for iTunes receipts or use a computer to sign in to your iTunes account and view your Purchase History.

Use this link to submit your refund request to Apple.

Provide the requested information and enter Refund for In-App Purchases made by a minor
in the Details section.


Apple will review your request and contact you via email about your refund status. All refund requests must be submitted no later than April 15, 2015.

If you have any questions or need further assistance with your refund request, please contact Apple.

To learn more about parental controls in iOS, please see this article.

Thank you.

App​le

Discussion Deals
Foscam FI8906W Outdoor Wireless IP Camera - $84.99 shipped
Added on : Thursday April 03rd 2014 04:00:07 AM
g: 0 Posted By: stoporder
Views: 124 Replies: 0 http://foscam.us/products/foscam-fi8906w-outdoor-wireless-ip-camera-139.html

Use coupon code 906 at checkout. No sales tax outside of Texas.

The Foscam FI8906W Wireless IP Camera features high quality video, waterproof and weather proof outdoor housing, remote internet viewing, motion detection, night-vision as well as a built in network video recording system. This camera has 60 IR LEDs providing nightvision visibility upto 30 meters. In addition, it is smartphone compatible (Iphone, Android & Blackberry) as well as viewable over the internet network using the standard Safari browser (no app necessary). The camera functions well as an Iphone baby monitor or as part of a home or office security system with remote internet monitoring ability.
Electronics Deals
How to find a good lawyer?
Added on : Wednesday April 02nd 2014 03:00:06 PM
g: 0 Posted By: bfreeman85
Views: 34 Replies: 0 I'm sure this has been discussed before, but I couldn't find much searching.

I'm getting married and looking for a lawyer to help with wills, POA and to review a family trust. I have no idea how to find a good lawyer other than a Google search and choosing at random. I don't have a lot of friends who use lawyers on a regular basis. Any tips?
Personal Finance Deals
g: 0 Posted By: ensignlee
Views: 298 Replies: 12 Hey y'all,Here's the situation. A few months back, I left my job in Dpt A in my company to join Dpt B, both because Dpt B was willing to pay me more and because it was something I wanted to do.

Unfortunately, my job at Dpt B is going away in April. Dpt A has approached me about going back to my old role in Dpt A, but in an expanded role.

A whole bunch of senior/important people in Dpt A have left the company in the last 3 weeks. This means I may be the only person left in the company that knows how our systems work at a deep level. You could hire someone from the outside with tons of industry experience, but they would take a long time to get up and running because our systems are so craptastic. And so I feel like I am in a strong negotiating position.

The director from Dpt A and I are supposed to talk sometime soon about the possibility of coming back.

My question is, how do I ask for a large raise from what I feel is a strong negotiation standpoint without sounding like a dick?

I mean, the subtext of what I want to say is "Hey, if you don't bring me back, Dpt A is pretty screwed. Nobody left in this company knows our valuation systems as well as I do, which is especially important now because we are trying to merge systems together with that company we just bought. So pay me", but I obviously can't come out and say literally that.

I was thinking something like the following, after I receive what will probably be a lowball offer of $85k'ish (I currently make $80k, and market is $90k, which I know from being extended an offer earlier in the year from a rival company):"Hey, I don't want to go through the song and dance of me accepting a low offer now, and then leaving soon afterwards because I'm still not paid at market value. Let's talk about numbers that would keep me here long term so that way we can both be happy.

Now, I know from past experience that sometimes salary increases are hard to sell to upper management, but contracting prices are easier to swallow. I'm willing to go that route.

Now, let's say I left today, and you had to backfill my spot. You'd be paying Sapient or Sirius a consulting fee of around $300/hr probably. Why don't we split the difference and do $150/hr for a contract position.

This way, you can be sure that I'll be around during this big transition of systems that we're about to undergo. And I can mentor the new analysts that you are hiring now to backfill the losses of <names of important team members X, Y, and Z here>, so that way they can hit the ground running instead of floundering. As you know, our systems are really unintuitive, and so you can hire someone with all the industry knowledge in the world, and they still won't be very effective because it takes forever to learn how our systems work."And then either he agrees to contract work at $100-$150/hr, or my counter proposal of a raise to $112k/yr seems cheap in comparison.

Is this a good plan? Or do y'all have any advice on how to word this?I don't want to sound adversarial, as that doesn't help negotiations but I want to be firm and use my negotiation leverage.

Thanks for the advice master FW negotiators!

~~~
P.S. Given the choice, I'd rather contract rather than take the full time position, as I don't think this company is particularly well run from top management. Also, taking contract allows me to be in a better position in case the company decides to just string me along and pay me my higher requested salary until they can find someone to fill my shoes. That's why I mentioned it first (along with the fact that my proposal to $112k salary from $80k then seems cheap in comparison).
Discussion Deals
New Arrivals: Bric»s - Life Portofino Backpack
Added on : Wednesday April 02nd 2014 09:00:11 AM
Life Backpack, part of Bric»s Portafino line, is crafted in printed polymide fabric that gives a sueded effect with genuine vegetable tanned leather accents, made for the busy traveler. Featuring magnetic snap flap closure with leather buckle detail, tab zip front pocket, woven shoulder straps and loop, signature logo plate detail in leather, side snap gussets, interior zip pocket and silver tone/gold tone metal hardware detail.
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
in 2015, Only 1 IRA rollover per year per individual
Added on : Wednesday April 02nd 2014 05:00:13 AM
g: -6 Posted By: swampwiz
Views: 659 Replies: 3 It seems that those of us Fat Wallet-ers who have been using the chaining method of extending an IRA distribution over a 60 day period (i,e., taking a distribution from the 1st IRA, dispose of it, then taking a distribution from the 2nd IRA, using the proceeds to do a rollover back into the 1st IRA, then taking a distribution from the 3rd IRA, using the proceeds to do a rollover back into the 2nd IRA, ad infinitum) will not longer be able to use this loophole. There was a Tax Court case involving an individual named Bobrow in which the judge ruled that instead of being able to do a rollover once a year for each IRA, there can only be one rollover per year per individual - which of course kills this loophole.

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

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

Here is the official IRS announcement: http://www.irs.gov/pub/irs-drop/a-14-15.pdf
Discussion Deals
Mortgage - Circular Private Lending from Oneself
Added on : Tuesday April 01st 2014 08:00:07 PM
g: -1 Posted By: Rowgue
Views: 71 Replies: 0 After reading through many dutch sandwich schemes, I was thinking ways to maximize mortgage interest deduction to reduce the taxable income.

Not sure, if this is possible, but if it is, I would ask the people here of their views, pros and cons on this. If this arrangement is possible do people already do this, if not why have they not done this?

The arrangement is like this:
1.Have some or lot of equity in your primary residence
2. Borrow your own money from a creatively structured way at a high interest say 7.5% or 10%
3.The new lender files the lien with the county on your property
4.Pay or say you pay interest/principle or what ever per contract monthly (a private transaction)
5.Claim more more mortgage interest deduction, points etc when itemizing reducing taxable income

For Step 2: You can do one of the following
-Set up and fund a company that does private loans and you will be the 1st customer
-Make your trusted relative (with less income) as the lender who collects the PI - I really mean trusted relative like mom or dad
-OR any other creative way you can suggest- please do suggest

-On the company route-as its a relatively small company the expenses and cost of doing business might negate the profits from the interest collection in a given year which might reduce/negate taxes
-On the relative route-the lender who has low income might not get taxed at all (for the interest income) or might get taxed at a lower rate. Even if they get taxed at a lower rate fix your interest rate such that the net tax savings from your taxes and the lenders taxes are in positive territory.

Did I make it clear to understand?

Is this technically possible? Leave alone ethics etc...

Thoughts?

Discussion Deals
First Citizen's Bank $150 Bonus
Added on : Tuesday April 01st 2014 08:00:07 PM
g: 0 Posted By: hpmax
Views: 218 Replies: 2 First Citizen's Bank ( www.firstcitizens.com)is offering $150 if you get a Premier or Prestige checking account and do 5 bill pays, or 5 debit card transactions or a $500 direct deposit.

Before anyone asks:

1) I asked if they do a hard pull. They said yes. But then they said they use Chexx System and it wouldn't affect my credit. After further discussion, it appears they are confused what hard pull means, so I think they do not do a hard pull.

2) I have no idea if ACH push counts as direct deposit.

3) You must keep the account open for 180 days or pay a $25 early closure fee.

4) They allow you to fund up to $1000 off a credit card. No mention of cash advance, I am assuming they'd tell you if they were going to do that, but I guess I'll find out.

The Premier account requires a minimum daily balance of $5000 or $4000/mo in direct deposit. So this is pretty steep, but its still 6% APY plus $1000 MS.

I don't think the deal is nationwide, but it appears to be a pretty wide geographic area.
Deposits Deals
First Citizen's Bank
Added on : Tuesday April 01st 2014 05:00:11 PM
g: 0 Posted By: hpmax
Views: 9 Replies: 0 First Citizen's Bank (www.firstcitizens.com) is offering $150 if you get a Premier or Prestige checking account and do 5 bill pays, or 5 debit card transactions or a $500 direct deposit.

Before anyone asks:

1) I asked if they do a hard pull. They said yes. But then they said they use Chexx System and it wouldn't affect my credit. After further discussion, it appears they are confused what hard pull means, so I think they do not do a hard pull.

2) I have no idea if ACH push counts as direct deposit.

3) You must keep the account open for 180 days or pay a $25 early closure fee.

4) They allow you to fund up to $1000 off a credit card. No mention of cash advance, I am assuming they'd tell you if they were going to do that, but I guess I'll find out.

The Premier account requires a minimum daily balance of $5000 or $4000/mo in direct deposit. So this is pretty steep, but its still 6% APY plus $1000 MS.

I don't think the deal is nationwide, but it appears to be a pretty wide geographic area.
Deposits Deals
g: 0 Posted By: elph31337
Views: 63 Replies: 0 For those who missed out on the last deal.

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

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

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

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

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

Discussion Deals
.55/1 CLAUSSEN Pickles (2 prints coupons.com)
Added on : Monday March 31st 2014 07:00:08 AM
g: -1 Posted By: MISTERCHEAP
Views: 86 Replies: 2 www.coupons.com

s/b at all zips.
Grocery Deals
New policy for VRs at CVS
Added on : Monday March 31st 2014 03:00:16 AM
g: 1 Posted By: Rubl
Views: 208 Replies: 3 Well, that was fun while it lasted. CVS will not accept CC for VRs anymore starting today.

Via miles guy - http://millionmilesecrets.com/2014/03/30/no-more-vanilla-reloads...

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

4.7 out of 5 stars (15 customer reviews)

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

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

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

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

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

Contents

Introduction

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

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

Bonus: 100 Ways Your Child Can Begin Using Their Creative Skills RIGHT NOW
Books & Magazines Deals
g: 1 Posted By: NantucketSunrise
Views: 308 Replies: 2 I searched FW's search function several ways,but didn't see this newcredit card breachmentioned anywhere.

Apparentlythebreachwas announcedseveral weeks ago, but I had not heard about it until today, when Icame across some articles about it ona security blog. (However, I don't watch much US televisionnews.)

Sally Beauty Supply has stores located in every state (apparently around 2,600 stores total).

The data theft and sale of the data on the black market weresomewhat similar to the Target credit card breach, according tothe security expert.

The Sally companyoriginally admitted that the details from only 25,000 customer credit cards were stolen.The security expert wrote that he had reason to believe that the data of 10 times that many (250,000) cards were stolen, and that the data theft happenedfrom every Sally store across the country.

March 5th report: http://krebsonsecurity.com/2014/03/sally-beauty-hit-by-credit-card-breach/
March 17th report: http://krebsonsecurity.com/2014/03/sally-beauty-confirms-card-data-breach/
March 25th report: http://krebsonsecurity.com/2014/03/zip-codes-show-extent-of-sally-beauty-breach/

Update: The Sally company is now admitting that more than 25,000 cards were stolen (see my post below for an excerpt from their website), and are offering 1 year of free credit monitoring to the affected customers.

----
(If the mods think this would fit better in Deal Discussion, please move it as you wish --if you do move it,I would appreciate it if you could justgrey it outhere andleave it in the thread list,so more FW visitors would have a chance to be alerted to this data theft, in case it might affect them or their friends/family. )
Personal Finance Deals
g: 0 Posted By: NantucketSunrise
Views: 178 Replies: 2 I searched FW's search function several ways,but didn't see this newcredit card breachmentioned anywhere.

Apparentlythebreachwas announcedseveral weeks ago, but I had not heard about it until today, when Icame across some articles about it ona security blog. (However, I don't watch much US televisionnews.)

Sally Beauty Supply has stores located in every state (apparently around 2,600 stores total).

The data theft and sale of the data on the black market weresomewhat similar to the Target credit card breach, according tothe security expert.

The Sally companyoriginally admitted that the details from only 25,000 customer credit cards were stolen.The security expert wrote that he had reason to believe that the data of 10 times that many (250,000) cards were stolen, and that the data theft happenedfrom every Sally store across the country.

March 5th report: http://krebsonsecurity.com/2014/03/sally-beauty-hit-by-credit-card-breach/
March 17th report: http://krebsonsecurity.com/2014/03/sally-beauty-confirms-card-data-breach/
March 25th report: http://krebsonsecurity.com/2014/03/zip-codes-show-extent-of-sally-beauty-breach/

Update: The Sally company is now admitting that more than 25,000 cards were stolen (see my post below for an excerpt from their website), and are offering 1 year of free credit monitoring to the affected customers.

----
(If the mods think this would fit better in Deal Discussion, please move it as you wish --if you do move it,I would appreciate it if you could justgrey it outhere andleave it in the thread list,so more FW visitors would have a chance to be alerted to this data theft, in case it might affect them or their friends/family. )
Personal Finance Deals
Get 2000 SkyMiles with $30 Spent on Dining. New Members Only. YMMV
Added on : Saturday March 29th 2014 01:00:05 PM
g: 1 Posted By: mikejensen
Views: 722 Replies: 1 This looks like it still works, even though it says 2013. Also, it's way better than the one from 2009. Previous promotion.
"Ready to earn more miles than ever before? Join SkyMiles Dining and you'll earn up to 5 miles for every dollar you spend at over 10,000 restaurants nationwide.
Plus, after you spend $30 dining in your first 30 days of joining, we'll throw in 2000 bonus miles for good luck with the 2013 New Member Bonus. (That's in addition to the miles you earn per dollar!)
It couldn't be easier. Here's how you do it:
Join SkyMiles Dining for free.
Spend $30 on a single dine at a participating restaurant, bar or club within 30 days.
Complete your review within 30 days of dining. (The review link will be emailed to you, and it only takes a minute to complete.)
Earn 1,500 bonus miles!"
Al-link

Air Travel Deals
g: 0 Posted By: LordB
Views: 36 Replies: 0 http://www.boston.com/business/news/2014/03/29/georgia-teen-goes...
Discussion Deals
Eagle High-Top Khaki Leather Sneaker crafted in n brown fabric, military-green drummed calfskin featuring a brushed gold eagle at ankle, black lace-up closure, dual tab gusset side zips, tab zip accent at heel in bronze mirror-effect patent leather, leather lining and white rubber sole. Signature dust bag included. Made in Italy.Special offers and rebates for Fujitsu LIFEBOOK® notebooks and Tablet PCs, STYLISTIC® tablets and mobile accessories.
Free Kindle Book- Helping Your Kids Be Creative and Change Their World
Added on : Saturday March 29th 2014 04:00:09 AM
g: 1 Posted By: remick
Views: 135 Replies: 0 http://www.amazon.com/Helping-Creative-Change-Their-World-ebook/...

4.7 out of 5 stars (15 customer reviews)

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

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

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

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

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

Contents

Introduction

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

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

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

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

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

Here is the official IRS announcement: http://www.irs.gov/pub/irs-drop/a-14-15.pdf
Discussion Deals
g: 0 Posted By: ctgolfer
Views: 124 Replies: 0 http://1sale.com/fashion/other/4207-26x18/
Decor Deals

1Sale.com Coupons
Get 1500 SkyMiles with $40 Spent on Dining. New Members Only. YMMV
Added on : Friday March 28th 2014 06:00:08 PM
g: 0 Posted By: mikejensen
Views: 22 Replies: 0 This looks like it still works, even though it says 2013. Also, it's way better than the one from 2009. Previous promotion.
"Ready to earn more miles than ever before? Join SkyMiles Dining and you'll earn up to 5 miles for every dollar you spend at over 10,000 restaurants nationwide.
Plus, after you spend $40 dining in your first 30 days of joining, we'll throw in 1,500 bonus miles for good luck with the 2013 New Member Bonus. (That's in addition to the miles you earn per dollar!)
It couldn't be easier. Here's how you do it:
Join SkyMiles Dining for free.
Spend $40 on a single dine at a participating restaurant, bar or club within 30 days.
Complete your review within 30 days of dining. (The review link will be emailed to you, and it only takes a minute to complete.)
Earn 1,500 bonus miles!"

Link
Air Travel Deals
Having babies for fun & profit
Added on : Friday March 28th 2014 04:00:05 PM
g: 0 Posted By: martint
Views: 213 Replies: 3 Wife's due date is prior to end of 2014. What legal tax minimization strategies should I look into for this year?

Thoughts so far:
1. Dependent Care FSA through employer
2. Education IRA (I live in California, not sure there's a benefit here?)
3. Gift appreciated stock to child, then sell and use to pay for child's expenses. Reduced capital gains taxes, potentially deal with kiddie tax issues.
4. Child tax credit
5. CA income tax credit for dependent exemption
6. Wife currently works and will take maternity leave. CA SDI payments arent taxed AFAIK.

Other ideas?
Discussion Deals
Using Car Leases To Maximum Advantaged If Self Employed
Added on : Thursday March 27th 2014 07:00:06 PM
g: 0 Posted By: robronson
Views: 89 Replies: 1 As a 1099 consultant, I look for interesting, legal ways to maximize tax benefits. Here's one idea I've been toying with but I'm not entirely sure if it's legal or if it even makes sense from a financial perspective:

1) Lease a new car that you eventually want to own personally.
2) Deduct the full amount of the lease and car insurance off your business income, as the monthly payments arise
3) At the end of the 3 year lease, decide to buy out the car, but do so personally.

The benefits here are that you get to buy a 3 year old car that you have been the sole owner/driver of since it's been new. You wouldn't be able to buy a 3-year old car in that same condition for that same price and you definitely can't do it without uncertainty. You never really know what the previous owner did with that vehicle.


Discussion Deals
VEPR 12 - AK shotgun 12 ga - $799/shipped Hurry
Added on : Thursday March 27th 2014 03:00:02 PM
g: 0 Posted By: pgtmini
Views: 181 Replies: 0 This is the cadillac of Russian 12 gauge shotguns. These normally go for $999-1199....this deal won't last until morning.

http://www.classicfirearms.com/vepr12gashotgun-1
Guns & Ammo Deals
g: 0 Posted By: VivYip
Views: 224 Replies: 0 $19.99 for 52 Weeks of The Washington Post Sunday Home-Delivery with Free Digital Access
$19.99 for 52 weeks of Sunday home-delivery of award-winning content and photos in The Washington Post, plus complimentary digital access ($96 value)

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

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

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

Groupon Coupons
any of you sell on eBay? What do you think of this?
Added on : Thursday March 27th 2014 06:00:15 AM
g: 0 Posted By: thetobster
Views: 330 Replies: 11 I sell a lot through the Global Shipping program, and I had a buyer contact me with an interesting idea. I wanted to see what you all think before I make any decisions.

He said he is planning to buy a lot of expensive lawnmowers for his business in his country over the next few months. Since customs fees are pretty high on expensive items he suggested that I list them as "for parts" for him at a low price. Then he can pay me the difference directly through paypal and only pay customs fees on the lower price.

To be honest I can't really see any downside to doing it this way as we both win (i save on eBay fees and he saves on customs).

Any thoughts?
Discussion Deals
Rousseau 9357 Rousseau Mens Conrad Watch - $29.99 at Woot
Added on : Wednesday March 26th 2014 09:00:02 PM
g: 0 Posted By: Ayla
Views: 63 Replies: 0 Rousseau 9357 Rousseau Mens Conrad Watch - $29.99 at Woot



http://accessories.woot.com/offers/rousseau-conrad-watch-5-color...



Their List Price: $639.99



Sale: $24.99


Shipping: $5.00




Metal case
3-hand quartz movement
Water resistant up to 100 feet
Made in Japan

Shipping Note:
Shipping to APO, Military and PO Box addresses not available for this item

Warranty: 1 year
Watches Deals

woot! Coupons
BOA Add it Up ending in June
Added on : Wednesday March 26th 2014 11:00:09 AM
g: 0 Posted By: Veeekay
Views: 61 Replies: 0 See attached. Was not able to cut/paste.
Add it Up
Discussion Deals
New Arrivals: Philipp Plein - Punk Laminated Leather Sneaker
Added on : Wednesday March 26th 2014 09:00:06 AM
Punk Laminated Leather Sneaker is crafted in shiny laminated calfskin leather in ultra glam punk slip-on style. Featuring leather upper, elastic gussets, all over pyramid stud detail and white rubber sole with logo detail on midsole. Made in Italy.
Rite Aid 4/6 - 4/12
Added on : Wednesday March 26th 2014 04:00:13 AM
g: 0 Posted By: MrVietnam
Views: 116 Replies: 0 Moneymaker Deals
Please Contribute!


+UPs write up

$5 +UPS wyb $15 @ BOGO50% Maybelline New York - All Cosmetics, excluding Clearance items L2

$1 +UPS wyb 2 @ 2/$5 Cadbury Eggs 4 pack, Hershey's Easter Chocolate Bags or Select Premium Jelly Beans, L4

$1 +UPS wyb 3 @ 3/$5 Whoppers Robin Eggs or Mini Robin Eggs 10oz, L4
$1/3 MQ Sunday Paper

$1 +UPS wyb 2 @ 2/$7 Reese's Reester Bunny 5oz or Reese's Jumbo Egg 6oz, L4
$1/2 MQ Sunday Paper

$1 +UPS wyb 2 @ 2/$3 Brach's Jelly Bird Eggs 16oz, L4

$1 +UPS wyb 2 @ 2/$4 Select Non-Chocolate Bagged Candy, Reg $2.99, L4
Pictured Fun Size Skittles, Easter Egg Shaped Tootsie Pops & Brach's Chicks & Rabbits

$1 +UPS wyb @ $6.99 Whitman's Meaning of Easter Tin 10oz, Lindt Gold Bunny Basket 3.5oz, Ferrero Rocher Easter Egg or Bunny 5.7oz, L4

$1 +UPS wyb 2 @ 2/$6 Russell Stover Marshmallow Egg Crate 9oz or Jelly Beans 12oz or Hello Kitty PEZ, L4

$5 RAQ wyb $30 or more iTunes Gift Card

$5 +UPS wyb $25 of these items AMC Theatres Gift Card, L2

$5 +UPS wyb $20 @ BOGO50% Johnson's Baby Care or Huggies Jumbo Pack Diapers or Wipes or Destin 2oz, L2

$2 +UPS wyb 2 @ 2/$8 Tom's of Maine products or bar soap 2pack, L2
$2/2 MQ Sunday Paper

$1 +UPS wyb @ $9.99 Claritin or Claritin-D Allergy Relief, L2
Tablets or Redi Tablets, 10ct or Children's Liquid 4oz

$5 +UPS wyb @ $17.99 Nasacort Allergy Relief 120 Sprays, Allegra Allergy 180mg 30ct Allegra-D 15-20ct, L2
See Sunday Paper for MQ
March VV $3 Nasacort & $2 any Allegra
Also CAT's from recent weeks

$3 +UPS wyb $10 Crest, Fixodent or Oral-B Multipacks, L2

$1 +UPS wyb @ $5.00 Bic Flex3, Hybrid or Soleil Razors 4ct, L2
$3 MQ Sunday Paper

$2 +UPS wyb @ $7.99 Multi-Purpose Solution Revitalens 10oz, Complete 12oz, Blink Tears 15ml, L2
$1 MQ Sunday Paper

$2 +UPS wyb @ $7.99 One A Day Vitamins 100ct, 50+ 65ct, Teen, Edge, Energy, Petites and Active Metabolism, All VitaCraves 50ct, Citacal Chews 60ct, L2

$10 +UPS wyb $25 Rite Aid Entire Selection of Fish Oils and Omega, L1

$2 +UPS wyb 2 @ BOGOFree L'il Critters or Vitafusion Gummy Vitamins, L2

$4 +UPS wyb @ $4.99 Pain Relief, L2
Anacin 50ct
Stopain 3-4oz
Legatrin PM 50ct
Cura+Heat Patches 4-7ct

$5 +UPS wyb $15 of these items, dated 3/30-4/26, L2
Garnier Nutrisse Creme or Foam Hair Color one application @ $6.99 $2 MQ Sunday Paper
Garnier Olia Hair Color one application @ $8.99 $3 MQ Sunday Paper
Garnier Facial Skin Care Cleaners @ $2 OFF
Garnier Skin Care @ $14.99 Reg Retail $16.99-$17.99
Garnier Fructis Shampoo or Conditioner 10-13oz or Select Stylers @ $2.99 $1 MQ Sunday Paper
Garnier All Skin Renew and Ultra Lift Facial Skin Care @ $11.99 reg retail $12.99-$15.49

$1 +UPS wyb 2 @ 2/$8 Secret, Gillette or Old Spice Deodorants/Antiperspirants, L2
Secret - Outlast, Scent Expressions, Natural Mineral, Fresh Effects 2.6-2.7oz
Gillette 2.6-4oz
Old Spice - Red Zone or Fresh Collections 2.6 - 3oz

$1 +UPS wyb @ $3.99 Speedstick Gear Antipers/Deo or Body Spray, Irish Spring Gear Body Wash 15oz or Bar Soap 6 pack, L2
$1.50 MQ Sunday Paper

$2 +UPS wyb @ $7.99 Secret or Gillette Antipers/Deo, Clinical 1.6-1.7oz or Twin Packs, L2

$1 +UPS wyb 2 @ 2/$6 Revlon Colorsilk Hair Color, one application, L3

$3 +UPS wyb $10 @ 40% Wet n Wild Cosmetics excludes clearance items, L2
MQ in Sunday Paper

$10 +UPS wyb $30 @ BOGO50% L'Oreal any Skin or Sun Care Product, excludes clearance, L2

$5 +UPS wyb $20 @ BOGO50% Neutrogena all Cosmetics excludes clearance, L2
MQ in Sunday Paper

$1 +UPS wyb 2 @ BOGO50% N.Y.C. all Cosmetics excludes clearance, L2

$3 +UPS wyb $10 Kiss and Broadway Artificial Nails excludes clearance

$2 +UPS wyb 2 @ BOGO50% any Simple, Pond's or Noxzema skin care product, L2

$1 +UPS wyb 2 @ 2/$5 RA Maxi Pads 14-24ct [excludes overnights extra heavy 20ct] Pantiliners 60ct, Tampons 18-20ct

$1 +UPS wyb $5 RA Renewal Implements excludes clearance, L2

$1 +UPS wyb 2 @ 2/$4 Palmolive Dishwashing Liquid 20-25oz, L2
.50/1 or $1/2 MQ 3/23 SS - Exp 4/12 - $ amount is regional

$2 +UPS wyb @ $16.99 The Hobbit: The Desolation of Smaug DVD 2 Disc Special Edition, release 4/8/14, L2

$1 +UPS wyb @ $14.99 BRITA Classic Pitcher or 3 Pack Filters, L4
$4 MQ Sunday Paper

$4 +UPS wyb 2 @ BOGO50% Foster Grant - all Sunglasses [excludes ASOT]

$1 +UPS wyb @ $5.99 Nescafe' Clasico Coffee 7oz, Folgers Instant Coffee 8oz, Dunkin' Donuts Coffee 12oz, Maxwell House Instant Coffee 8oz, L3

$1 +UPS wyb @ $8.99 Maxwell House Coffee 30.6oz, L3

$2 +UPS wyb 3 @ 3/$12 Coke or Coke Products 12 pack, 12oz cans, L2

$1 +UPS wyb 3 @ 3/$3 Dentyne, Stride or Trident Single Serve Gum, L4

$3 +UPS wyb 2 @ 2/$8 TRESemme Shampoo or Conditioner 32oz or Select Stylers,L4

$10 +UPS wyb $20 @ BOGO50% all Nature Made Vitamins and Supplements, L2

$2.50 +UPS wyb @ $3.49 Colgate Total Advanced Toothpaste 4oz, Mouthwash 250ml, Manual Toothbrush 1ct, L2

$7.50 +UPS wyb @ $24.99 Pampers Super Pack Diapers, L2
$1.50 on-line e-saver offer

$1 +UPS wyb @ $2.88 RA Pantry Crystal Lake Spring Water 24 pack, L2
Health & Beauty Deals
Internships for Finance Major in Jacksonville, FL Area
Added on : Tuesday March 25th 2014 02:00:14 PM
g: 0 Posted By: n5741
Views: 13 Replies: 0 Hello everyone, writing today to inquire about what you all think the best possible places to try and obtain an internship in the Jacksonville, FL area would be for sophomore majoring in finance. I am currently a sophmore at UNF (Swoop!) and have been trying to utilize CareerWings to the fullest, however, I feel that I am now at a wall and with summer approaching, I would like to try and lock something down quickly. I feel that a majority of the internship or job offerings listed on CareerWings are with less than stellar companies (NorthWestern, Blue Star Financial, etc.) for someone who is intending to major in finance that does not want to end up in the insurance business. So please any recommendations on where to look into would be much appreciated. Also I wanted to address a side point as well, if I have inevitably waited to long and a left myself to only intern at one of these sort of places, is it worth pursuing instead of a normal part time job?
Discussion Deals
g: -3 Posted By: lordoffire
Views: 736 Replies: 15 Coupons.com's printer now installs a separate couponprinter service that's set to automatic.

sigh
Discussion Deals
How to value a parking space?
Added on : Monday March 24th 2014 12:00:14 PM
g: 0 Posted By: newnorley
Views: 183 Replies: 6 Story/
A deeded parking space has become available in the high rise condos where I live and is being offered for $45k. We're currently renting a parking space for $200 / month. Parking is scarce and will likely become even more scarce as there are at least 5 high rise condos being built in a square mile of where i live.

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



Discussion Deals
g: 10 Posted By: remick
Views: 1164 Replies: 0 http://www.amazon.com/Fermenting-Book-Package-Vegetables-Probiot...

Get Two Excellent Books on Fermented Foods for One Low Price
The Fermenting Book Package offers two of the premier books on fermented foods for less than what it would cost to buy them individually.

Book 1: Fermented Foods: How to Ferment Vegetables

Do you want to learn how to ferment vegetables?
The fermentation process takes vegetables and turns them into probiotic powerhouses packed full of healthy microorganisms and enzymes. If you're looking to add probiotic bacteria to your diet, learning to ferment vegetables is a cheap and easy way to do it.
The following topics are covered in the beginning chapters of the book:
What lacto-fermentation is and what happens during the fermentation process.
The four items you need to get started.
The health benefits of fermented vegetables.
Vegetable fermenting basics.
A quick introduction to fermenting vessels, including the pros and cons of some of the more popular container types.
Weighting systems and why they're important.
The best types of salt and water to use.
Starter cultures and why they aren't always necessary.
How to tell when vegetables are done fermenting.

This handy guide contains more than 35 recipes, including step-by-step directions detailing how to make the following fermented vegetables:
Asparagus.
Fermented shredded beets.
Beet kvass.
Beet kanji.
Brussels sprouts.
Cultured cucumber salad.
Curtido.
Curried cauliflower.
Dilly carrots.
Dilly beans.
Probiotic ketchup.
Kimchi.
Kohlrabi pickles.
5 different types of sauerkraut.
Fermented cherry tomatoes and green tomatoes.
and more.

A number of common problems encountered during fermenting are covered at the end of the book, including mold, slime, cloudy substances at the top of the brine and vegetables that smell rotten, taste funny or go soft.

Book 2: Paleo Probiotics: Fermented Foods for the Paleo Diet

This book is a great introduction to probiotic foods for both Paleo and non-Paleo dieters.
Traditionally, the human diet consisted of fresh foods in their natural form, free of harmful chemicals, pesticides and processed flours and sugars. Pretty much every food we ate was packed full of probiotic bacteria that helped balance the bacteria levels in the stomach and small intestines. These probiotic foods don't just promote good gut health, they free up the immune system to dedicate resources to other areas of the body, leaving you healthier and happier as a result.

Fermented foods and beverages are natural sources of probiotic bacteria that can be eaten to resupply the body with the bacteria it needs.

This book is your guide to adding probiotics to the Paleo Diet. The following topics are covered in this helpful handbook:
A brief chapter that lays out the framework for the Paleo diet and why it's a good choice for many people.
What probiotics are and why they're important.
Fermented foods and the lacto-fermentation process.
The basic supplies you need to get started (along with some supplies that aren't required, but will make life easier).
Choosing the right type of container to ferment food in.
Choosing the right weighting system for your container.
Natural salts and sugars that work well for fermenting.
Two methods that can be used to create brine solutions.
What starter cultures are and why some may not conform to the strict Paleo diet.
How to tell when your food is done fermenting.
Storage of fermented foods.
and more...
Totally Free Deals
Augusta Leather and Suede Tote is crafted in buttery soft muse red leather with suede detail in an ultra contemporary tote style. Featuring double rolled handles, detachable, adjustable shoulder strap, logo embossed front patch pocket, top zip closure, adjustable gusseted sides and gold tone hardware detail. Signature dust bag included.Special offers and rebates for Fujitsu LIFEBOOK® notebooks and Tablet PCs, STYLISTIC® tablets and mobile accessories.
Juno Small Tiger Printed Leather Clutch is crafted in supple leather with gold tiger print for an elegantly wild style. Featuring magnetic snap flap closure, detachable chain strap, gusseted sides, two compartments, one slip pocket and gold tone hardware detail. Signature dust bag included. Made in Italy.
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
g: 0 Posted By: remick
Views: 205 Replies: 0 http://www.amazon.com/dp/B004S7BL4U

This collection of terrific Greek recipes, from old favorites to unique house specialties, is also a tribute to the oldest restaurant in Chicago's fabled Greektown, a landmark innovator of legendary dishes like saganaki and the first gyros in Chicago. Filled with colorful history and lush photographs, the book features 40 of the restaurants most popular recipes from all courses, appetizers to desserts. They include Feta a la Soto, Marathon Salad with Shrimp, Moussaka, Sokolatina, and more. In addition, Greek wine pairings are included as well as full Greek dinner menus with tips for entertaining.
Books Deals

Amazon Coupons
g: 0 Posted By: NantucketSunrise
Views: 172 Replies: 0 Ruby Tuesday has re-instituted their free birthday burger up to a value of $9!

===
A relative of mine whom I have had signed up to Ruby Tuesday's birthday treats for the last few years had a birthday recently, and, like others have in the last few months, she got an email from Ruby Tuesday saying that she could have a free dessert with purchase of a meal (I think the free dessert was a cupcake or a brownie). This was disappointing to her, because the free birthday treat used to be a free hamburger.

However, this week they sent her an email saying that they have re-instituted the free birthday burger, and didn't want her to miss out on this deal since her birthday was only a little while ago, and they included a coupon for a free burger up to $9.

I expect this turnaround in policy is related to the chain's struggle to stay afloat: http://www.fullofdeals.com/forums/deal-discussion/1334827/


======
Note: For many other free birthday specials, see these threads:

Restaurants that give FREE Meals on your Birthday (and other B-DAY deals) !! <from archives>
http://www.fullofdeals.com/forums/hot-deals/1051269/

Plenty of Free on your birthday
http://www.fullofdeals.com/forums/free-stuff/1329739/

HUGE BIRTHDAY DEALS LIST FOR ADULTS THREAD - Free or Discounted Deals - Email Clubs - UPDATED 2014 VERSION
http://www.fullofdeals.com/forums/hot-deals/1315234/

Freebies Birthday Thread - USA Birthday Freebie Listings For: Babies, Childern, Adults - Add yours here!
http://www.fullofdeals.com/forums/free-stuff/1206564/

BIRTHDAY FREEBIES - Freebie Meals, Store Discounts & More - Adults, Kids & Pets - USA/CANADA - 2009-2010
http://www.fullofdeals.com/forums/hot-deals/929497/

Birthday Freebies
http://www.fullofdeals.com/forums/free-stuff/948635/

Restaurants that give FREE Meals on your Birthday (and other B-DAY deals) !! UPDATED (NOTE: similar title, but different than the firstthread listed above)
http://www.fullofdeals.com/forums/hot-deals/62372/?start=0


NOTE:
some of these threads are old, some are recent.
not every offer listed is still current.
Food & Grocery Deals
Sister-in-Law Re-entering Workforce
Added on : Sunday March 23rd 2014 05:00:06 PM
g: 0 Posted By: JBFK
Views: 194 Replies: 4 Hello FWFers,
My SIL is emigrating to the US from India. She has a masters degree in business and a bachelors in electrical engineering. She hasn't had a job in over 3 years, as she was taking care of her sick parents. She doesn't know where to start to find a job here. I've advised working with temp agencies to get her foot on the door. She thinks that her chances of landing a regular job right away are minimal with such employment gap. She already has a green card. Do you guys have other suggestions on what she can do?
-TIA

(Edit: green card info added)
Discussion Deals
How to get cheap internet connection in a Midwest small town?
Added on : Sunday March 23rd 2014 01:00:07 PM
g: 0 Posted By: ussrfw
Views: 119 Replies: 5 I just relocate to Hampton IA, a small town of 4400 population.
I rent a small house in town, wonder how to get cheap internet connection. (The neighbor wireless internet networks have password.)
I have only 1 laptop, can go online either by cable or wireless.
Usually I onlydo email, online bank, billpay, webpages readingonline. Sometimes I watch online TV.
What kind of Internet connection service I should purchase? (1.5 Mbps, 3 Mbps, 7 Mbps?)
Which company I should choose? (I see T-Mobile, Verizon, CenturyLink office in town, but the doorsare locked. Maybe they only open 1-2 days per week.)

Thank you very much!

Question Deals
that, I don't care for
Added on : Sunday March 23rd 2014 12:00:09 PM
g: 0 Posted By: lordoffire
Views: 44 Replies: 0 Coupons.com's printer now installs a separate couponprinter service that's set to automatic.

sigh
Discussion Deals
Mix-N-Match Leopard and Polka-Dot High-Top Sneaker are crafted in animal print and polka dot silk with leather accents will add fun and color to your leisure look. Featuring black leather laces, gold tone zip closure gussets on sides & back with leather pull accents, gold tone metal straps across top front and toe, logo patch on tongue, leather padded collar and lace guard, leather lined interior and white rubber outsole. Made in Italy. Signature dust bag included.
OFFER OVER Free Kindle Book- Backyard Aquaponics
Added on : Sunday March 23rd 2014 04:00:09 AM
g: 3 Posted By: remick
Views: 636 Replies: 3 http://www.amazon.com/dp/B008S4GIS8

DIY Aquaponics was never so easy! This 95 page aquaponics ebook covers everything you need to know to get started with your very own working aquaponics system.
It starts with the basics: What is aquaponics? What is the nitrogen cycle? How can a system coadapt two completely different types of life forms for phenomenal growth rates, simultaneously producing two viable food crops. Feed yourself. Feed your family. Feed the community. Feed the world.
Then we look at a few building plans for the most common aquaponics systems, discussing their pros and cons along the way.
Finally, we get into specifics: What are the best aquaponics fish? How many fish can effectively sustain a full system? What are the best kinds of aquaponics plants?
All of these questions and more are answered in Backyard Aquaponics Made Easy!

Table of Contents:

Introduction
Chapter 1: What is Aquaponics?
Creating a Cycle
Chapter 2: The Nitrogen Cycle
The Three Toxins
Toxin #1: Ammonia
Toxin #2: Nitrite
Toxin #3: NitrAte
Setting Up the Nitrogen Cycle in Your Aquaponics System
Speeding Up the Process
Prime Temperature Conditions
Prime pH Conditions
Regulating pH, Ammonia, Nitrite, and NitrAte
Chapter 3: Types of Aquaponics Systems
The Raft System
The Continuous Flow System
The Ebb and Flow System (Flood and Drain)
The CHIFT PIST System
Chapter 4: The Bell Siphon Valve
Chapter 5: Types of Aquaponics Fish
Stocking Density
Chapter 6: Types of Aquaponics Plants
Chapter 7: Starting from Seed
Seedlings
Seeds in Coir
Sowing Seeds Directly
Staggered Growth Method
Aquaponic Growth Rates
Chapter 8: Types of Grow Medium
Grow Media MUSTS
Most Popular Types of Aquaponics Grow Bed Medium
Chapter 9: Homemade Fish Food
Chapter 10: Vermicomposting



Also free

How To Perfect Your Water Garden with Pumps, Filters and Water Features (Water Garden Masters Series)
http://www.amazon.com/Perfect-Garden-Filters-Features-Masters-eb...
Totally Free Deals
Free Kindle Book- Backyard Aquaponics
Added on : Saturday March 22nd 2014 08:00:06 PM
g: 3 Posted By: remick
Views: 341 Replies: 1 http://www.amazon.com/dp/B008S4GIS8

DIY Aquaponics was never so easy! This 95 page aquaponics ebook covers everything you need to know to get started with your very own working aquaponics system.
It starts with the basics: What is aquaponics? What is the nitrogen cycle? How can a system coadapt two completely different types of life forms for phenomenal growth rates, simultaneously producing two viable food crops. Feed yourself. Feed your family. Feed the community. Feed the world.
Then we look at a few building plans for the most common aquaponics systems, discussing their pros and cons along the way.
Finally, we get into specifics: What are the best aquaponics fish? How many fish can effectively sustain a full system? What are the best kinds of aquaponics plants?
All of these questions and more are answered in Backyard Aquaponics Made Easy!

Table of Contents:

Introduction
Chapter 1: What is Aquaponics?
Creating a Cycle
Chapter 2: The Nitrogen Cycle
The Three Toxins
Toxin #1: Ammonia
Toxin #2: Nitrite
Toxin #3: NitrAte
Setting Up the Nitrogen Cycle in Your Aquaponics System
Speeding Up the Process
Prime Temperature Conditions
Prime pH Conditions
Regulating pH, Ammonia, Nitrite, and NitrAte
Chapter 3: Types of Aquaponics Systems
The Raft System
The Continuous Flow System
The Ebb and Flow System (Flood and Drain)
The CHIFT PIST System
Chapter 4: The Bell Siphon Valve
Chapter 5: Types of Aquaponics Fish
Stocking Density
Chapter 6: Types of Aquaponics Plants
Chapter 7: Starting from Seed
Seedlings
Seeds in Coir
Sowing Seeds Directly
Staggered Growth Method
Aquaponic Growth Rates
Chapter 8: Types of Grow Medium
Grow Media MUSTS
Most Popular Types of Aquaponics Grow Bed Medium
Chapter 9: Homemade Fish Food
Chapter 10: Vermicomposting



Also free

How To Perfect Your Water Garden with Pumps, Filters and Water Features (Water Garden Masters Series)
http://www.amazon.com/Perfect-Garden-Filters-Features-Masters-eb...
Totally Free Deals
Need Advice on Renter's Insurance
Added on : Saturday March 22nd 2014 06:00:10 PM
g: 0 Posted By: hurricanedarby
Views: 30 Replies: 0 I currently have renters insurance through USAA at $112 a year including replacement cost. I was looking around at other options; it is getting frustrating applying for quotes only to find out that the company does not offer replacement cost coverage (then they bombard my e-mail and my phone via the info I provided on the quote). In an effort to avoid more unwanted ads, I wanted to ask if anyone here had any advice/opinions on good options for renters insurance. Thanks!
Discussion Deals
g: 0 Posted By: remick
Views: 15 Replies: 0 http://www.amazon.com/dp/B008S4GIS8

DIY Aquaponics was never so easy! This 95 page aquaponics ebook covers everything you need to know to get started with your very own working aquaponics system.
It starts with the basics: What is aquaponics? What is the nitrogen cycle? How can a system coadapt two completely different types of life forms for phenomenal growth rates, simultaneously producing two viable food crops. Feed yourself. Feed your family. Feed the community. Feed the world.
Then we look at a few building plans for the most common aquaponics systems, discussing their pros and cons along the way.
Finally, we get into specifics: What are the best aquaponics fish? How many fish can effectively sustain a full system? What are the best kinds of aquaponics plants?
All of these questions and more are answered in Backyard Aquaponics Made Easy!

Table of Contents:

Introduction
Chapter 1: What is Aquaponics?
Creating a Cycle
Chapter 2: The Nitrogen Cycle
The Three Toxins
Toxin #1: Ammonia
Toxin #2: Nitrite
Toxin #3: NitrAte
Setting Up the Nitrogen Cycle in Your Aquaponics System
Speeding Up the Process
Prime Temperature Conditions
Prime pH Conditions
Regulating pH, Ammonia, Nitrite, and NitrAte
Chapter 3: Types of Aquaponics Systems
The Raft System
The Continuous Flow System
The Ebb and Flow System (Flood and Drain)
The CHIFT PIST System
Chapter 4: The Bell Siphon Valve
Chapter 5: Types of Aquaponics Fish
Stocking Density
Chapter 6: Types of Aquaponics Plants
Chapter 7: Starting from Seed
Seedlings
Seeds in Coir
Sowing Seeds Directly
Staggered Growth Method
Aquaponic Growth Rates
Chapter 8: Types of Grow Medium
Grow Media MUSTS
Most Popular Types of Aquaponics Grow Bed Medium
Chapter 9: Homemade Fish Food
Chapter 10: Vermicomposting


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

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

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

By utilizing all or most of the tips found in this guide, you are sure to have your best harvest of tomatoes ever and be the envy of your neighborhood!
New Arrivals: Versace Jeans - Blue Patent Eco Leather Vertical Tote
Added on : Saturday March 22nd 2014 09:01:27 AM
Blue Patent Eco Leather Vertical Tote features rolled double top handles, zip top closure, gusseted sides, circular logo embossed with crystal detail and silver tone signature logo hardware detail. Interior is fully lined in signature fabric and has one zip & two slip pockets. Signature dust bag included.
New Arrivals: Moschino - Blue and White Striped Canvas Slip-On
Added on : Saturday March 22nd 2014 09:01:27 AM
Blue and White Striped Canvas Slip-On by Love Moschino, is crafted in satiny printed canvas in a plimsoll style shoe. Featuring gold tone heart at top front, white piping detail, padded collar, elastic gussets, rounded toe, rubber sole and visible logo on heel. Genuine Moschino.
g: 1 Posted By: MrVietnam
Views: 1663 Replies: 15 $3 +UPS wyb 3 @ 3/$9 Cereals, L2 $1MQ in most Sunday Papers
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In Store Promos Deals
Text Print Canvas Slip on Sneaker MCQ in a »plimsoll» style sneaker features almond toe, khaki printed vamp, elastic gussets, white rubber sole and signature logo on heel. Made in Italy. Signature box included.
Eagle High-Top Khaki Leather Sneaker crafted in n brown fabric, military-green drummed calfskin featuring a brushed gold eagle at ankle, black lace-up closure, dual tab gusset side zips, tab zip accent at heel in bronze mirror-effect patent leather, leather lining and white rubber sole. Signature dust bag included. Made in Italy.
Fort Lauderdale, Florida
Added on : Friday March 21st 2014 05:00:17 AM
g: 0 Posted By: enjosh
Views: 45 Replies: 0 Has anybody been toFort Lauderdale, Floridaor maybe living in? Looks like I'm gonna have a multi-month stay there, so I'm wondering about the city.
Discussion Deals
Earn Free American Airlines Miles via Facebook Promotion
Added on : Friday March 21st 2014 04:00:13 AM
g: 3 Posted By: WideOpenSpaces
Views: 146 Replies: 2 Link: Play, share and fly to earn over 10,000 bonus miles

Like us on Facebook and participate in the AAdvantage Passport Challenge. Earn a stamp in your passport and AAdvantage miles each time you complete a quick and fun game. You can play when youre waiting to board your next flight, sitting in the carpool line, or relaxing at home. Heres all you need to do:

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Fly our expanded network to earn over 9,000 miles

Youll learn more about American Airlines and the many ways you can keep earning miles even after your passport is filled. Start playing now. The challenge is open now through May 23, 2014.

Promotion begins at 12:01 a.m. CT on March 21, 2014, and ends 11:59 p.m. CT on May 23, 2014. Open to legal residents of the 50 U.S./D.C., who are members of the American Airlines AAdvantage program in good-standing at the time of participation. Void where prohibited. Subject to Official Rules at aa.com/aadvantagepassportchallengeterms.Sponsor: American Airlines, Inc. 4333 Amon Carter Blvd., Ft. Worth, Texas 76155.
Discussion Deals
Pothole damage NJ - Anyone ever filed a claim for reimbursement
Added on : Thursday March 20th 2014 05:00:07 PM
g: 0 Posted By: newnorley
Views: 139 Replies: 4 My wife has hit a pothole on her way home from work and it sounds like she has done serious damage to the car. Apparently you can claim against the state for damage caused by potholes. .

http://newjersey.news12.com/news/pothole-damage-on-state-roads-m...

http://www.state.nj.us/transportation/commuter/potholeform.shtm

It is dark, late and a dangerous road where she hit the pothole so she has moved to quieter section so has no picture of the pothole..

Anyone ever filed one of these claims? Did it get approved?
Discussion Deals
Citi ThankYou points: New "Select and Credit" a crock.
Added on : Thursday March 20th 2014 09:00:13 AM
g: 0 Posted By: Dotbody
Views: 143 Replies: 3 Yesterday, I received a canned email from Citi CEO Jud Linville concerning their new "Select and Credit" program for ThankYou points. The idea is that you can redeem your points as statement credits for purchases previously made with a ThankYou reward card. This is similar to how the Amex reward cards will credit back your rewards directly to your account. The idea is that it's much easier to do that than worry about buying something with the points, or redeeming them for gift cards.

However, when I went to try redeeming my points, I saw it takes 839 points to redeem a $6.30 charge. In other words, you're paying a 25% premium just for the convenience of redeeming your points in this matter. Similar to using your points for Amazn purchases, this idea is a very expensive/inefficient way to use your points. It bothers me that Citi would not explicitly state this premium anywhere in the email, in the fine print, or even in the FAQ's when you click to learn more about it. Indeed, they simply gush about how much they "listen to suggestions" and "continually make meaningful improvements". What a crock.

Redeeming points for gift cards continues to be the best bang for your buck for the ThankYou program (unless someone knows of other possibilities).
Discussion Deals
g: 1 Posted By: MrVietnam
Views: 1493 Replies: 13 $3 +UPS wyb 3 @ 3/$9 Cereals, L2 $1MQ in most Sunday Papers
Excludes Cascadian Farms & Single Serve Cups.
Pic shows 2 GM cereals - Fiber One and Honey Nut Cheerios

$1 +UPS wyb 4 @ $3 Single Serve Candy Regular Retail, L4
Pic shows M&M's Chocolate Bar, Butterfingers Peanut Butter Cups, Hershey's w/ Almonds and Snickers Bar
Tearpad MQ's at DG & Kmart for .55/1 Butterfingers

$5 +UPS wyb $20 on all L'Oreal products - cosmetics, skin care, hair color & hair care, L1
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BOGO50% All L'Oreal Paris Skin Care

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$1 +UPS wyb 2 @ 2/$2 Stride and ID Gum, L4

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$1 +UPS wyb 2 @ 2/$5 Mentos Gum Curvy Bottles 45-50ct and Mentos Mints 6 pack, L4

$1 +UPS wyb 2 @ 2/$3 Easter Peeps 10-12ct or Sugar Free 3ct, L4

$1 +UPS wyb 2 @ 2/$2 Esater Basket Stuffers and Novelty Candies Regular Retail $1.29, L4
Picture shows Russell Stover, M&M plastic eggs, styrofoam egg package of marshmallow eggs

$1 +UPS wyb 2 @ 2/$4 Premium Jelly Beans, L4

$2 +UPS wyb @ $2.99 Reach Toothbrush, 1ct, L2
Picture shows Reach Total Care & a child's Barbie
Reach $1/1 toothbrush except crystal clean (5/3/14) SS 1/26/14

$1 +UPS wyb @ $4.99 Crest Toothpaste Sensi Relief 4.1oz or Be Chocolate Mint 4.5oz, L2

$3 +UPS wyb $10 any Crest, Oral-B, Fixodent or Glide Multipack Oral Care Product, L2

$3 +UPS wyb $12 of these items, L2 3/2-3/29
Huggies Jumbo Pack Diapers, Pull-Ups, Goodnites or Goodnites Bed Mat 9ct @ $9.99
J&J Baby Care Products @ $3.49 Regular Retail $3.49-$4.69

$2 +UPS wyb 2 @ 2/$5 Carefree Pantiliners 36-60 ct, Ultra 16ct, Stayfree Sanitary Protection Pads 14-24ct, o.b. Tampons 18ct, L2

$1 +UPS wyb @ $10.99 Clearblue Pregancy Test Kits +/-, Digital or Advanced Digital 2ct, L2

$2 +UPS wyb 2 @ 2/$8 Speed Stick Clear Antiperspirant/Deodorant or Body Spray, Irish Spring Gear Body Wash 15oz or Bar Soap 6 pack, L2

$2 +UPS wyb @$9.99 Gillette Body Razor, Fusion, ProGlide or Fusion 1ct, L2

$.50 +UPS wyb @ $1.50 Sure and Brut Antiperspirant and Deodorant, L2
$1.00 MQ in most Sunday Papers

$5 +UPS wyb @ $19.99 RA Acid Reducers Omeprazole or Lansoprazole 42ct, L2
In-ad RAQ $6.00

$1 +UPS wyb @ $6.49 RA Home Paper Towels 8 pack or Bathroom Tissue Double Roll, 12 pack, L2

$1 +UPS wyb @ $9.99 RA Protective Underwear 12-20ct, Undergarments 30ct, Guards for Men 52ct, Briefs or Boxers 10-12ct, Bladder Pads 33-60ct, L2

$5 +UPS wyb Foster Grants - All Sunglasses
Excludes ASOTV Glasses

$3 +UPS wyb @ $19.99 Disney Frozen DVD, L2
Release date 3/18

$1 +UPS wyb 2 @ 2/$7 Windex 26-28oz, Wipes 28ct or Shout Prewash Spray 22oz, L2
$1/2 MQ in most Sunday papers

$1.50 +UPS wyb @ $3.99 Colgate Toothpaste, Manual Toothbrush or Rinse, L2
TP - Total 7.8oz, Total Advanced 7.6oz, Optic White 5.5oz or Sensitive 6oz
TB - 360 Surround, Total Advanced or Optic White, 1ct
Rinse - Optic White 8-16oz or Total 500ml

$1 +UPS wyb 2 @ 2/$6 Lindt, Ghiradelli or Godiva Pouches 3.5-5.32oz, L4

$2 +UPS wyb 3 @ 3/$12.99 Coke or Coke Products 12 pack, L2

$6 +UPS wyb $20 @ BOGO50% Bayer Health Care Products, L2
Mix & Match
Bayer Aspirin, Aleve Pain Relievers, Vanquish, Midol, Alk-Seltzer Plus Cold Relief, Campho-Phenique, Neo-Synephrine, Alka-Seltzer Stomach Relief, Phillips Stomach Relief, TruBiotics, One A Day Vitamins or Citracal
Excludes Alka-Seltzer and Aleve Cold and Sinus products located at the pharmacy counter

Catalina OYNO deals

L'Oreal Paris Advanced hair care
2/17/14 - 3/16/14
buy 2 get $1.50
buy 3 or more get $3

Windex products
2/24/14 - 3/23/14
buy 2 get $1.50

PowerBar (any products)
3/3/14 - 3/30/14
buy 6-9 get $2
buy 10-14 get $3
buy 15 or more get $4

Kellogg's or Kashi cereal (8.7 oz or larger)
3/3/14 - 3/30/14
buy 2 get $1
buy 3 get $2
buy 4 or more get $3


In Store Promos Deals
Can you open a Roth IRA with only reported income?
Added on : Wednesday March 19th 2014 02:00:10 PM
g: 0 Posted By: cheapedy
Views: 147 Replies: 2 A friend and I were discussing this about his nephew (20, part time student) who makes around $3,000 a year from selling tickets on Stubhub , items on Amazon marketplace, garage sales, and odd jobs. He reports this income on his taxes as "Other Income". Asked us for some financial advice.....we said "START EARLY! open up a Roth IRA". He's up for it, but we're unsure if he can. Can he?
Investing Deals
g: 0 Posted By: st4rdust
Views: 335 Replies: 0 Amazon has the Syma S107G 3.5 Channel RC Helicopter w/ Gyro (Blue)for $15.99. Yellow is also available here for $16.99. Ships free with Prime or on orders of $35 or more.

4.2/5 stars based on 2,158 customer reviews. This deal did very well and generated some excellent discussion hereon March 5th.

Stabile Flight Characteristics
Easy to Fly
Great for Beginners
Battery Type: Lithium Polymer (LiPO Battery), batteries for remote control not included
Motor Type: Brushed

"This Brand New 3 Channel mini rc helicopter is the world's newest, most durable and stable helicopter. The item comes with the latest gyro system for precision control. The metal frame has proven to withstand dozens of crashes. The mini helicopter charges directly from the controller which uses "AA" batteries and has a full-function trim control for the perfect flight. Get one today before they all fly away! The Syma S107 metal frame series with gyroscope takes indoor flying to the next level through precision control. It is extremely easy to fly and durable. This is highly recommended for beginners. No flight training necessary."
RC & Hobbies Deals

Amazon Coupons
g: 0 Posted By: st4rdust
Views: 131 Replies: 0 Amazon has the Syma S107G 3.5 Channel RC Helicopter w/ Gyro (Blue)for $15.99. Ships free with Prime or on orders of $35 or more.

4.2/5 stars based on 2,158 customer reviews. This deal did very well and generated some excellent discussion hereon March 5th.

Stabile Flight Characteristics
Easy to Fly
Great for Beginners
Battery Type: Lithium Polymer (LiPO Battery), batteries for remote control not included
Motor Type: Brushed

"This Brand New 3 Channel mini rc helicopter is the world's newest, most durable and stable helicopter. The item comes with the latest gyro system for precision control. The metal frame has proven to withstand dozens of crashes. The mini helicopter charges directly from the controller which uses "AA" batteries and has a full-function trim control for the perfect flight. Get one today before they all fly away! The Syma S107 metal frame series with gyroscope takes indoor flying to the next level through precision control. It is extremely easy to fly and durable. This is highly recommended for beginners. No flight training necessary."
RC & Hobbies Deals

Amazon Coupons
New Arrivals: Jil Sander - Large Jil Bag in White Beaded Leather
Added on : Wednesday March 19th 2014 09:01:28 AM
Large Jil Bag in White Beaded Leather is crafted in French box calf for its high quality and smooth surface with hand painted edges and is designed as a simple yet powerful statement bag. Featuring exclusive flat brass hardware in silver tone, double rolled handles, white beaded detail, side gussets with slip pockets, detachable shoulder strap, removable signature leather fob, soft leather lining and internal slip pockets. Made in Italy.
Pantene Pro-V Styling Products - Starting at $6.31 FS @ Amazon
Added on : Wednesday March 19th 2014 05:00:03 AM
g: 0 Posted By: SieSilverStars
Views: 41 Replies: 0 Amazon is offering a $5.00 "Clip the Coupon" for some of their Pantene Pro-V Hair Styling Products and free shipping.

Offers:
Pantene Pro-V Triple Action Volume Max Hold Hair Mousse 6.6-oz. (3-pk.)- $6.17
Pantene Pro-V Curl Shaping Hair Gel 6.8-oz. (3-pk.)- $6.94
Pantene Pro-V Curly Hair Style Curl Enhancing Spray Hair Gel 5.7-oz. (3-pk.)- $6.31
Pantene Pro-V 24-Hour Weightless Volume Gel 6.8-oz. (3-pk.)- $6.94
Pantene Pro-V 24-Hour Volume Hairspray 11.5-oz. (3-pk.)- $6.31
Pantene Pro-V Curl Defining Hair Mousse 6.6-oz. (3-pk.)- $6.31
Pantene Pro-V Curlky Hair Style Curl Enhancing Spray Hair Gel 5.7-oz. (3-pk.)- $6.31
Pantene Pro-V 24-Hour Weightless Volume Gel 6.8-oz (3-pk.)- $3.94

Note: You must Subscribe & Save in order to get the free shipping without having to meet the $35 requirement. You may cancel any time after your order ships.
g: 0 Posted By: remick
Views: 32 Replies: 0 http://www.amazon.com/Fermenting-Book-Package-Vegetables-Probiot...

Get Two Excellent Books on Fermented Foods for One Low Price
The Fermenting Book Package offers two of the premier books on fermented foods for less than what it would cost to buy them individually.

Book 1: Fermented Foods: How to Ferment Vegetables

Do you want to learn how to ferment vegetables?
The fermentation process takes vegetables and turns them into probiotic powerhouses packed full of healthy microorganisms and enzymes. If you're looking to add probiotic bacteria to your diet, learning to ferment vegetables is a cheap and easy way to do it.
The following topics are covered in the beginning chapters of the book:
What lacto-fermentation is and what happens during the fermentation process.
The four items you need to get started.
The health benefits of fermented vegetables.
Vegetable fermenting basics.
A quick introduction to fermenting vessels, including the pros and cons of some of the more popular container types.
Weighting systems and why they're important.
The best types of salt and water to use.
Starter cultures and why they aren't always necessary.
How to tell when vegetables are done fermenting.

This handy guide contains more than 35 recipes, including step-by-step directions detailing how to make the following fermented vegetables:
Asparagus.
Fermented shredded beets.
Beet kvass.
Beet kanji.
Brussels sprouts.
Cultured cucumber salad.
Curtido.
Curried cauliflower.
Dilly carrots.
Dilly beans.
Probiotic ketchup.
Kimchi.
Kohlrabi pickles.
5 different types of sauerkraut.
Fermented cherry tomatoes and green tomatoes.
and more.

A number of common problems encountered during fermenting are covered at the end of the book, including mold, slime, cloudy substances at the top of the brine and vegetables that smell rotten, taste funny or go soft.

Book 2: Paleo Probiotics: Fermented Foods for the Paleo Diet

This book is a great introduction to probiotic foods for both Paleo and non-Paleo dieters.
Traditionally, the human diet consisted of fresh foods in their natural form, free of harmful chemicals, pesticides and processed flours and sugars. Pretty much every food we ate was packed full of probiotic bacteria that helped balance the bacteria levels in the stomach and small intestines. These probiotic foods don't just promote good gut health, they free up the immune system to dedicate resources to other areas of the body, leaving you healthier and happier as a result.

Fermented foods and beverages are natural sources of probiotic bacteria that can be eaten to resupply the body with the bacteria it needs.

This book is your guide to adding probiotics to the Paleo Diet. The following topics are covered in this helpful handbook:
A brief chapter that lays out the framework for the Paleo diet and why it's a good choice for many people.
What probiotics are and why they're important.
Fermented foods and the lacto-fermentation process.
The basic supplies you need to get started (along with some supplies that aren't required, but will make life easier).
Choosing the right type of container to ferment food in.
Choosing the right weighting system for your container.
Natural salts and sugars that work well for fermenting.
Two methods that can be used to create brine solutions.
What starter cultures are and why some may not conform to the strict Paleo diet.
How to tell when your food is done fermenting.
Storage of fermented foods.
and more...
REI Quarter Dome T2 Plus Tent -$158.73 Shipped @ REI
Added on : Tuesday March 18th 2014 09:00:06 PM
g: 0 Posted By: zimphella
Views: 200 Replies: 0 REI Quarter Dome T2 Plus Tent
Compare at $229.73
Free Shipping! The REI Quarter Dome T2 Plus features an additional 5.2 sq. ft. of floor space, an additional inch of headroom and larger vestibules compared to the standard Quarter Dome T2Two side-entry doors and Dry Entry vestibules offer convenient access and ample storage capacityREI-exclusive Tension Truss design enhances structural stability, prevents deformation in the wind and maximizes room around your head and shouldersAluminum DAC Featherlight NSL hubbed poles are lightweight; setup is quick and easy with pole clips and color codingRectangular floor plan makes it easy to arrange sleeping bags and gear, and allows efficient use of spaceFully adjustable, high-level vents mitigate condensation, drawing cool air under the fly from the lower perimeter and exhausting warm, moist airBathtub floor with seam-sealed corners ensures waterproof protection; windproof, breathable perimeter fabric blocks dust and sand from blowing in under the flySilicone-treated, lightweight ripstop nylon fly stays taut in the rain, avoiding moisture-transfer to the tent while keeping you dryREI Quarter Dome T2 Plus tent offers multiple interior mesh side pockets and hang loops for organization; tent doors stuff into their own stash pocketsIncludes tapered, easy-to-stuff compression sack, 6 stakes, 4 guylines? and tighteners, pole repair tube, and pole and stake bagsFly/footprint minimalist pitch option lets you leave the tent at home and use the fly, poles and footprint (sold separately) as a lightweight shelter   (FatWallet Deal Hunter staff posts are certified ad-free. No money, bribes, or candy have been accepted.)
Camping Deals

REI Coupons
The First Years Breastflow Starter Set $15.42 + Shipping @amazon.com
Added on : Tuesday March 18th 2014 05:00:03 PM
g: 0 Posted By: whiteb8791
Views: 173 Replies: 0 http://www.amazon.com/dp/B001G4RWG4

List Price: $19.99
Price: $15.42

features:
Perfect for breast milk and formula
88% of moms surveyed in an independent in-home bottle feeding research study said their babies experienced less gas or less spit-up or less fussiness
Breastflow is the only feeding system that requires both suction and compression, just like breast feeding
Soft outer nipple mimics the feel of the breast, allowing baby?s tongue to stay in the same position as breastfeeding
Patented inner nipple allows your baby to control the flow naturally like breastfeeding whether you use breast milk or formula


Baby & Kids Deals

Amazon Coupons
MBA value/cost tradeoff
Added on : Tuesday March 18th 2014 01:00:03 PM
g: 0 Posted By: CAguyIP
Views: 53 Replies: 1 I have a few questions for fat wallet community
1) What are ya'll thoughts on doing a part time MBA from a UC (for an computer engineer with 5 years of work exp)? Total cost is about ~130k .. I plan on taking a loan of 70k with employer covering 50k.
2) Almost seems like if I can put that 130K in a REIT or a mutual fund I might be better off 5 years from now..
3) Is it worth taking a student loan?
Discussion Deals
Jennifer Croco Embossed Leather Satchel by Cavalli Class, is crafted in croco embossed leather in a classic design with modern style. Featuring double rolled embossed handles, detachable chain and leather shoulder strap, gusseted side, double zip compartments, detachable leather an metal fob with signature and serpent detail and gold tone hardware detail. Signature dust bag included.
New Arrivals: Class Roberto Cavalli - Kirsten Leather Satchel
Added on : Tuesday March 18th 2014 09:01:36 AM
Kirsten Leather Satchel by Cavalli Class, is crafted in smooth leather with croco embossed accents in a modern, structured design. Featuring double rolled embossed handles with elegant gold tone leopard accents, detachable studded shoulder strap, gusseted side, double zip compartments and gold tone hardware detail. Signature dust bag included.
g: 1 Posted By: MrVietnam
Views: 1272 Replies: 10 $3 +UPS wyb 3 @ 3/$9 Cereals, L2 $1MQ in most Sunday Papers
Excludes Cascadian Farms & Single Serve Cups.
Pic shows 2 GM cereals - Fiber One and Honey Nut Cheerios

$1 +UPS wyb 4 @ $3 Single Serve Candy Regular Retail, L4
Pic shows M&M's Chocolate Bar, Butterfingers Peanut Butter Cups, Hershey's w/ Almonds and Snickers Bar
Tearpad MQ's at DG & Kmart for .55/1 Butterfingers

$5 +UPS wyb $20 on all L'Oreal products - cosmetics, skin care, hair color & hair care, L1
BOGO50% All L'Oreal Paris Cosmetics See most Sunday Papers for coupon
L'Oreal Advanced Haircare 12.6oz shampoo & conditioner or Advanced Hairstyle [select items] @$3.99 $2 MQ in most Sunday Papers
BOGO50% All L'Oreal Paris Skin Care

$2 +UPS wyb $10 of these items, Get $5 +UPS wyb $20, BOGO50% Neutrogena Skin, Bath, Shave, Hair or Sun Care L1
[One $2 +UPS and one $3 +UPS]

$2 +UPS wyb @ BOGO50% Suave Hair Care, Skin Care, Body Wash or Antiperspirant Deodorant, L3

$7 +UPS wyb 2 Agadir, Macadamia, It's a 10 or Joico Hair Care, L2
Excludes Trial or Travel Size 0.3-2oz

$7 +UPS wyb $15 Physicians Formula - All Cosmetics, L2

$10 +UPS wyb $20 @ $5.99 each, Nivea Hand and Body Lotion 13.5oz or Creme Tin 400ml or Men's Face Care, L4 3/2-3/29
$5/2 in most Sunday Papers

$3 +UPS wyb @ BOGO50% Any J.R. Watkins Products, L2

$5 +UPS wyb @ BOGO50% Nature Made All Vitamins and Supplements, L2

$3 +UPS wyb 3 @ $8.99 Neosporin, Neosporin Essentials, Aveeno Eczema, L2, 3/2-3/29
Neosporin Cream or Ointment 1oz, Neosporin Essentials Anti Itch Cream 10oz, Body Wash 10oz, Moisturizing Cream 6oz or Trial Size Kit, Aveeno Eczema 5oz

$5 +UPS wyb All TheraTears, L2

$1 +UPS wyb @ $5.99 Cortizone-10, Gold Bond Anti-Itch Cream or Allegra Cream 1-1.25oz, L2

$2 +UPS wyb @ $8.99 All Boston Eye Care Products, Biotrue Multipurpose Solution 10oz, Bausch & Lomb, L2
Bausch & Lomb - Renue Multipurpose Solutions, Twin Pack or Soothe Hydration Drops and PM Ointment
Bausch+Lomb $4 Soothe, any (3/31/14) SS 1/5/14

$2 +UPS wyb @ $16.99 Oxytrol for Women 4ct, L2

$10 +UPS wyb $20 @ BOGO50% of these Personal Care Items, L1
Absorbine Jr, Amalactin, Anacin, Aqua Net Hair Spray, Boiron Arnicare or Oscillococinum, Comtrex, Cranberry Plus Complex Liquid 15oz, Cutex Nail Polish Remover, Cystex Tablets, Dentek, Feosol, Finese, Fleet Enema Twin Pack, Geritol Tonic Liquid 12oz, Hyland's Cough and Cold or Leg Cramps, Joint Flex Cream, Jolen Cream Bleach, Kerasal Fungal Nail Renewal, Keri Lotion, Lipoflavoid, Lypsyl, Midnite Sleepaid, Mineral Ice, Monistat-1, Ocean Saline Nasal Spray, Pre-Seed, Rephresh, EPT Pregnancy Test, Shower to Shower, Similasan, St. Joseph Aspirin, Stopain, Sucrets, Summer's Eve, Udderly Smooth, Viactiv, Vivran Tablets, Wartstick, Yardley Skin and Bath and Zicam
$5/1 Similasan Eye Drops 3/2 SS, exp 3/31/14, $3/1 any Similasan product 3/2 SS, exp 5/31/14

$2 +UPS wyb @ $11.99 Allegra Allergy Relief, L4
Adult or Children's 12-15ct or 4oz or Allegra-D 10ct [Limit 1 Allegra-D per customer]

$2 +UPS wyb @ $11.99 Nasacort Allergy Relief, 60 sprays L4/b]
$2 MQ in most Sunday Papers

$2 +UPS wyb @ $24.99 Prilosec OTC 42ct, L2

$7 +UPS wyb $15 Excedrin Extra Strength or Migraine 24, 100 or 200ct, L1

$3 +UPS wyb @ $19.99 Claritin-D 15-20ct, L1 $2 in-ad RAQ
Kind of confusing Q, as it also states L4 Only pictures & Lists -D

$4 +UPS wyb $12 of Nabisco Crackers 6-16oz @ $2/6, L3

$1 +UPS wyb @ $8.99 Planters Mixed Nuts and Cashews 18.25oz or Almonds 21.2oz, L3

$1 +UPS wyb 4 @ 4/$5 7-UP or 7-UP Product 2 Liter Bottle, L2

$1 +UPS wyb @ $4.99 Russell Stover Bowline 8.25-12oz, Whitman's Sampler 7-12oz, L4

$1 +UPS wyb @ 2/$6 Hershey's Milk Chocolate Drops 8oz, Rolo, KitKat or Reese's Minis Pouch 8oz, L4

$1 +UPS wyb 4 @ 4/$5 Hershey's, Mars or Nestle 6 pack Candy, L4

$1 +UPS wyb 2 @ 2/$6 Hershey's Bliss, 8.6-9.6oz, L4

$1 +UPS wyb 2 @ 2/$2 Stride and ID Gum, L4

$1 +UPS wyb 2 @ 2/$4 Stride and ID 3 Pack Gum, L4

$1 +UPS wyb 2 @ 2/$5 Mentos Gum Curvy Bottles 45-50ct and Mentos Mints 6 pack, L4

$1 +UPS wyb 2 @ 2/$3 Easter Peeps 10-12ct or Sugar Free 3ct, L4

$1 +UPS wyb 2 @ 2/$2 Esater Basket Stuffers and Novelty Candies Regular Retail $1.29, L4
Picture shows Russell Stover, M&M plastic eggs, styrofoam egg package of marshmallow eggs

$1 +UPS wyb 2 @ 2/$4 Premium Jelly Beans, L4

$2 +UPS wyb @ $2.99 Reach Toothbrush, 1ct, L2
Picture shows Reach Total Care & a child's Barbie
Reach $1/1 toothbrush except crystal clean (5/3/14) SS 1/26/14

$1 +UPS wyb @ $4.99 Crest Toothpaste Sensi Relief 4.1oz or Be Chocolate Mint 4.5oz, L2

$3 +UPS wyb $10 any Crest, Oral-B, Fixodent or Glide Multipack Oral Care Product, L2

$3 +UPS wyb $12 of these items, L2 3/2-3/29
Huggies Jumbo Pack Diapers, Pull-Ups, Goodnites or Goodnites Bed Mat 9ct @ $9.99
J&J Baby Care Products @ $3.49 Regular Retail $3.49-$4.69

$2 +UPS wyb 2 @ 2/$5 Carefree Pantiliners 36-60 ct, Ultra 16ct, Stayfree Sanitary Protection Pads 14-24ct, o.b. Tampons 18ct, L2

$1 +UPS wyb @ $10.99 Clearblue Pregancy Test Kits +/-, Digital or Advanced Digital 2ct, L2

$2 +UPS wyb 2 @ 2/$8 Speed Stick Clear Antiperspirant/Deodorant or Body Spray, Irish Spring Gear Body Wash 15oz or Bar Soap 6 pack, L2

$2 +UPS wyb @$9.99 Gillette Body Razor, Fusion, ProGlide or Fusion 1ct, L2

$.50 +UPS wyb @ $1.50 Sure and Brut Antiperspirant and Deodorant, L2
$1.00 MQ in most Sunday Papers

$5 +UPS wyb @ $19.99 RA Acid Reducers Omeprazole or Lansoprazole 42ct, L2
In-ad RAQ $6.00

$1 +UPS wyb @ $6.49 RA Home Paper Towels 8 pack or Bathroom Tissue Double Roll, 12 pack, L2

$1 +UPS wyb @ $9.99 RA Protective Underwear 12-20ct, Undergarments 30ct, Guards for Men 52ct, Briefs or Boxers 10-12ct, Bladder Pads 33-60ct, L2

$5 +UPS wyb Foster Grants - All Sunglasses
Excludes ASOTV Glasses

$3 +UPS wyb @ $19.99 Disney Frozen DVD, L2
Release date 3/18

$1 +UPS wyb 2 @ 2/$7 Windex 26-28oz, Wipes 28ct or Shout Prewash Spray 22oz, L2
$1/2 MQ in most Sunday papers

$1.50 +UPS wyb @ $3.99 Colgate Toothpaste, Manual Toothbrush or Rinse, L2
TP - Total 7.8oz, Total Advanced 7.6oz, Optic White 5.5oz or Sensitive 6oz
TB - 360 Surround, Total Advanced or Optic White, 1ct
Rinse - Optic White 8-16oz or Total 500ml

$1 +UPS wyb 2 @ 2/$6 Lindt, Ghiradelli or Godiva Pouches 3.5-5.32oz, L4

$2 +UPS wyb 3 @ 3/$12.99 Coke or Coke Products 12 pack, L2

$6 +UPS wyb $20 @ BOGO50% Bayer Health Care Products, L2
Mix & Match
Bayer Aspirin, Aleve Pain Relievers, Vanquish, Midol, Alk-Seltzer Plus Cold Relief, Campho-Phenique, Neo-Synephrine, Alka-Seltzer Stomach Relief, Phillips Stomach Relief, TruBiotics, One A Day Vitamins or Citracal
Excludes Alka-Seltzer and Aleve Cold and Sinus products located at the pharmacy counter

Catalina OYNO deals

L'Oreal Paris Advanced hair care
2/17/14 - 3/16/14
buy 2 get $1.50
buy 3 or more get $3

Windex products
2/24/14 - 3/23/14
buy 2 get $1.50

PowerBar (any products)
3/3/14 - 3/30/14
buy 6-9 get $2
buy 10-14 get $3
buy 15 or more get $4

Kellogg's or Kashi cereal (8.7 oz or larger)
3/3/14 - 3/30/14
buy 2 get $1
buy 3 get $2
buy 4 or more get $3


In Store Promos Deals
Select Baby/Toddlers' Pajamas $2.51 at The Childrens Place
Added on : Monday March 17th 2014 04:00:03 PM
g: 0 Posted By: jasclark
Views: 184 Replies: 0 http://www.childrensplace.com/webapp/wcs/stores/servlet/en/ussto...

Today only. The childrens place has select Baby/Toddlers' Stretchie Pajamas (Racecar, Handyman, Slam Dunk, Hockey or Penguin) on sale for $3.59 - 30% off with coupon code LUCKY3 [Exp 3/17] + $0 shipping at final checkout = $2.51 shipped.

Buy them for your own kid or save them for the next time to you have a baby shower to attend.
Kids Clothes Deals

The Childrens Place Coupons
g: 0 Posted By: remick
Views: 19 Replies: 0 http://www.amazon.com/dp/B001OQCL42

"Best Book of 2006 (Non-fiction)"..."shockingly honest, brilliantly written"-----NOTED PRINCETON FILM/BOOK CRITIC KAM WILLIAMS

Neverending controversy surrounded this bestseller by Kola Boof. Many were spellbound by more than 90 pages detailing her terrifying experience as Osama Bin Laden's former mistress. But the Sudanese-born Novelist/Poet writes even more profoundly about the hardships of being vaginally circumcised, about witnessing her birth parents killed in her presence as a small child, about slavery and Arabism in Sudan, about being adopted and raised in the U.S. by African Americans, about her quest for true love, and in one particularly daring chapter, about her hopes for the future of her sons. Add to that years of psychiatric treatment, a struggle with manic anger and quite a few daring romances other than Bin Laden and you've got the perfect ingredients for a feature film.

Throughout the book, Kola speaks in a voice so utterly naked, truthful and unpretentious that it's impossible not to fall in love with her. "Diary of a Lost Girl" is a powerful autobiography that you won't soon forget.

WARNING: This is the UNCUT VERSION.

Contains explicit sex, violence, frank discussion of
racial-sexual ideology and themes that may be offensive
to some readers. Not for readers younger than 21 years
old. 436 pages
g: 0 Posted By: remick
Views: 133 Replies: 0 http://www.amazon.com/dp/B00405R6VC/

4.0 out of 5 stars (72 customer reviews)

New Lyme Disease treatments are desperately needed. This book provides them. The book identifies ten cutting-edge conventional and alternative treatments and gives practical guidance on integrating them into a comprehensive treatment plan that maximizes therapeutic benefit while minimizing side effects. On the pages of this book you will find the most accurate, current Lyme Disease information available. Discover the tools and resources to reclaim your health using the best of conventional and alternative medicine. Lyme Disease is one of the most stubborn, treatment resistant infections on earth. It is also spreading rapidly on all continents. Borrelia Burgdorferi - the elusive and dangerous Lyme Disease bacteria - can mimic many seemingly unrelated diseases, resulting in frequent misdiagnosis of the infection. Government health officials are beginning to recognize Lyme Disease for what it is: a growing threat to public health and safety. Statistics show that there are over 200,000 new Lyme Disease infections per year in the United States alone. Read this book to find out about the following breakthrough Lyme Disease treatments. Five Core Treatment Protocols: The Antibiotic Rotation Protocol, The Marshall Protocol, The Salt / Vitamin C Protocol, Detoxification, and Electromedicine (Rife Machine Therapy). Five Supportive Supplements: Systemic Enzymes, Mangosteen, Lithium Orotate, Coenzyme Q10, and Magnesium.

Reviews

From James Schaller, M.D. -- Remarkably broad and clearly written, this will be one of the top Lyme Disease books of the decade. Bryan Rosner is unusually gifted at explaining new emerging treatments. He thinks big and offers big solutions. --James Schaller, M.D., practicing physician and author of 16+ books

From Mary Brescia, R.N. -- I am a registered nurse, wife, mother, and patient, and for 15 years I have suffered from three tick borne diseases. I have searched the world over on a quest for healing. Hope is a word Lyme sufferers soon learn is not part of their vocabulary. Bryan Rosner opens the door to hope and offers a roadmap to restored health. By turning the pages of this book, you will learn how to turn the course of suffering. A Lyme sufferer himself, Rosner has paved the way, thank God, for all of us. --Mary Brescia, R.N.

From Andrew Cutler, Ph.D. -- In this helpful book, Bryan Rosner presents 10 new Lyme Disease treatments and enough discussion of the science behind them to put the information in context and make it useful. Whether you are under a doctor's care or going it alone, this book will help you make good decisions so you can get better. --Andrew Cutler, Ph.D., author of Amalgam Illness --Diagnosis and Treatment
g: 0 Posted By: robronson
Views: 108 Replies: 3 I started working this year through a third party consulting firm as a 1099. I pay for all of my business expenses and bill the consulting firm for them, as well as my hours and the consulting firm pays me and then bills the client. In return, the consulting firm takes around 10% but it's worth it for me because they help find me work and deal with getting vendor status at clients.

My concern is that I'm doing work in multiple states this year. I understand I generally need to pay income taxes in states that I perform work and I also understand many states have thresholds for non-residents such that if my income is below a certain level, no income tax return is due. My question is, how will my consulting firm likely handle my 1099 at the end of the calendar year? Obviously we can only speculate. The reason I'm not asking them directly is because I don't want to "give them any ideas" that could bite me in the ass. Let me give some specific rough numbers for an example:

Total 1099 Income For 2014: $100k
Income from Texas: $50k
Income from California: $40k
Income from State X: $3k
Income from State Y: $3k
Income from State Z: $4k

Suppose in this example that States X, Y and Z all have minimum filing thresholds of $5k so I don't actually have to file taxes with them. Texas has no state income tax so no filing with them either. Here's a few possibilities of what might happen at the end of the year:

OPTION 1: Consulting firm issues a 1099 to the federal government only. They do NOT report any 1099s to any state governments. Best possible scenario. I'd be on the honor system to file taxes with the respective states and I get to decide which states to file with per the law.

OPTION 2: Consulting firm issues a 1099 for $100k total earnings to the federal government and EACH of the 5 state governments. EACH of the 5 governments thinks I earned $100k in their state because the 1099 isn't broken down it simply says I earned $100k and some or all it came from that state. WORST possible scenario because each state will think I earned $100k in their state.

OPTION 3: Consulting firm issues a 1099 for $100k to the fed gov and a 1099 for $40k to California, and a 1099 for $3k, $3k, and $4k to X, Y and Z respectively. They skip TX because they know TX doesn't care. Medium-level scenario but least likely to occur because it's the most effort for the consulting firm.

I can see any of these three scenarios playing out with me being royally screwed through Option 2 because even though I won't have to pay taxes to states X, Y and Z, I do have to file returns which costs money to pay someone to do it or wastes time to do it myself. Also, I risk California deciding to audit me because they think I lied about what percentage of the $100k actually came from them since they were [incorrectly] told I made $100k in California.

Are any of these 3 situations possible or is there a standard way for this to be done? I really don't want to ask and risk them deciding to change their policies to Option 2 to be "safe" for themselves.
Discussion Deals
Refurb Nexus 7 32GB 1st Gen 2012 - $99.99 AR
Added on : Saturday March 15th 2014 03:00:03 PM
g: 0 Posted By: ussvoyager04
Views: 104 Replies: 0 The best deal after GameStop deal.
Free shipping
Visa rebate card for $50. MIR
7 inch screen with Tegra 3
Front cam only
Link to deal:
http://www.newegg.com/Product/Product.aspx?Item=N82E16834231275http://www.newegg.com/Product/Product.aspx?Item=N82E16834231275
MIR link:
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Android Tablets Deals
g: 0 Posted By: BudgetingMom
Views: 69 Replies: 0 Please tell me that I am doing something wrong. But I just logged in to the Ultimate Rewards portal and can't even FIND Kohl's listed under merchants anymore.

When did this happen? Ugh!!! I loved those 10X points!
Discussion Deals
g: 0 Posted By: skycriesmary
Views: 60 Replies: 2 I'm going from STD to LTD, and found out my employer will be keeping me on the books as 'inactive' as opposed to terminating me. I am not receiving health insurance through them once on LTD, so what's the benefit to them for keeping me on the books? I really don't think they hold out the hope I'll be able to come back to my previous position. It can't be to stop me from collecting unemployment as I can't while on LTD.

TIA for your feedback.
Discussion Deals
g: 0 Posted By: 740il
Views: 177 Replies: 4 Hi, I was looking for a pre-owned 07-08 Range Rover with high miles that has the Luxury pkg/Cooled seats feature and I found one online at a dealer in FL (I live in PA). They mention on their websitethat the vehicle has "Heated and cooled front & rear seats".

I called them and a polite rep confirmed availability and we settled on a sale price and they said I could get it shipped or fly in and pickup the car. I checked the vehicle's carfax and it looked great with dealer services every 7-8k miles. They asked for a deposit to hold the car and I gave them $500 over the phone using a credit card. They emailed me the contract and credit card receipt which I promptly signed and emailed it back the same day.

The next evening, my wife was looking at the pictures on their website and noticed the suv does not have the rotary knob for cooling seats (my wife knows more about this vehicle than me, unfortunately she was busy at work when i decided to go for it), so we did some research of other similar range rovers and found a match with that feature on eBay - same year & model. We noted the differences and the following morning, I sent an email with pictures of this vehicle's dashboard and another vehicle's dashboard and marked the differences.

They didn't reply back so I called them and the rep said it could be a mistake on their website and offered a price reduction of $700, however I believe the value of that feature is a lot more than what was offered and asked for $2000 (the pkg costs $4500 on a new vehicle). They disagreed and I asked them to cancel the deal and refund the deposit. She then discussed with the dealership owner and said I was having buyer's remorse and since I want to back out of the deal they won't refund my credit card deposit. This has nothing to do with buyer's remorse and I'll gladly buy the vehicle with a $2000 price reduction.

I've saved pictures of their vehicle and the other comparable vehicle and marked the difference. I also saved pdf printouts of the vehicle description and the photos from their website. I called the credit card company and setup a dispute. They started one but weren't sure if it will go through since I signed a contract that says all deposits are non-refundable under any circumstances but they will try anyway. I also filed a complaint on the florida attorney general's website. Do you think I've done enough or anything else remaining? thanks
Question Deals
New Arrivals: Marc Jacobs - Slip on Suede High Top Sneaker
Added on : Friday March 14th 2014 09:01:28 AM
Slip on Suede High Top Sneaker crafted in beautiful suede for a modern tailored twist to the classic high-top sneaker. Featuring suede upper with leather heel panel, elastic side gussets, grosgrain piping along upper ridge, leather lining,rubber sole and padded insole. Made in Italy.
Amex Blue Reward Dollars - anything worthwhile other than cash?
Added on : Friday March 14th 2014 12:00:03 AM
g: 0 Posted By: Treefarn
Views: 51 Replies: 0 I have about $2K in reward $ at American Express for my Blue card. I was looking to cash it out, was trying to see if there was anything worthwhile to do with those $. I certainly don't mind buying items I can resell on eBay, or buying GCs at a discount, but there doesn't seem to be anything. All gift cards are face value, and electronics are WAY more than actual cost.

What are people doing with these $?
Discussion Deals
g: 0 Posted By: Gauss44
Views: 111 Replies: 0 So, I've volunteered in a hospital for years, helping with patients and training new volunteers. This year, I took a bunch of medical science classes (self study and enrolled in video course), hired a bunch of tutors ($$$$), bought a new computer primarily to take online courses, etc. etc.

I'm thinking all of this might qualify for an itemized educational expense deduction primarily because a purpose for this (not the only purpose) was to "improve job skills" for my volunteer position at the hospital. Of course, the IRS will probably notice that there's no W-2 which I'm guessing MIGHT cause me to get audited. (Of course, only 1% of the population gets audited. Still, no W-2 should raise a flag.)

Anyone have experience with this?

http://www.irs.gov/taxtopics/tc513.html

More of my thoughts:
"your expenses must be for education that (1) maintains or improves your job skills or" - Sure enough, it does!
"the education cannot be part of a program that will qualify you for a new trade or business, or is needed to meet the minimal educational requirements of your trade or business." It does NOT. Passed that test too!
(I know that travel expenses for volunteer positions can be claimed on taxes, so I would think this would be eligible too - maybe even on the same form.)

FYI (why not the Lifetime Learning, Tuition Reimbursement, American Education Credit): Most of these expenses are NOT tuition payments and NOT paid to directly to a school that is eligible to provide financial aid by the dept. of edu., student; student already has a BA/BS.
Discussion Deals
Hiring manager moved on after countering offer
Added on : Thursday March 13th 2014 01:00:04 PM
g: 0 Posted By: friedrice
Views: 190 Replies: 6 Want to get your thoughts on this. Went through the interview process and hiring manger presented verbal offer through their HR rep. Offer was for 70k and 2 wks vaca. I countered with what i thought was reasonable: 75k 3 wks vacation and maybe a signing bonus. HR company rep called back and said the hiring mgr moved on and is actually looking at other interviewees since the counter was too high. weird part is that HR rep told me the other interviewees are out of state so they may be on the hook for relocation.

My gut feeling is that i do not want to work for a hiring manager that is not willing to go through a simple negotiation process. But the new company will help reduce my commute each way by an hour. Have not been testing the market lately is this normal for a hiring mgr to move forward so easily? I would assume the time commitment for the hiring manager to interview other candidates would exceed my counter - not to mention the possible relocation of the other candidates.
Discussion Deals
Proscan 32" Class Widescreen 720p LED TV - $114.99*
Added on : Thursday March 13th 2014 09:00:07 AM
Save 15.00 with coupon code USS120358 at checkout. Normally 129.99 before coupon.Now 114.99 after coupon.Offer ends Mar 15 2014 12:00AM
New Arrivals: Gerard Darel - Divine Purse Organizer
Added on : Thursday March 13th 2014 09:00:05 AM
Divine Purse Organizer is crafted in croco embossed calfskin leather and is part of the Gerard Darel contemporary Divine! line. Featuring wrist strap and two zippered compartments, three inside gussets, six credit card slots, central zip compartment, patch pockets and brass hardware detail. Signature dust bag included.
Effort/Risk to Reward Analysis of 2014 FWF Techniques (such as MS)
Added on : Thursday March 13th 2014 05:00:15 AM
g: -1 Posted By: robronson
Views: 76 Replies: 3 I'm big on calculating effort-reward ratios to determine if something is worth my time. I also factor risk in there. It seems like most of the things being done in 2014 on FWF have substantial risk with lots of effort involved to receive the reward.

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

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

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

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

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

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

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

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

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

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

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

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

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


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

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

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

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

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

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

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

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

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


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

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

How to apply Juice Fasting Program to lose 7 lbs in 7 days with these Nutritious Rich Juice Recipes.
The juice fasting plan is a fresh fruit and veggie detox that gives the digestive system a much needed break. High vitamins, minerals, and other essential nutritional elements are the key to getting rid of built up toxins and loss of unwanted weight gain.
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More than 101″ Delicious Vegetables and Fruits Juicing Recipes for:
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* Prevent & Fight for Cancer, Diabetes
* Increases your Kidney Function
* Muscles Soothing and calming
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* Your Kids
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free premium UPS My Choice membership 1 Year upgrade code
Added on : Wednesday March 12th 2014 03:00:03 PM
g: 5 Posted By: lakrzfan
Views: 461 Replies: 5 Same deal discussedhere, which was marked expired.

Still alive if you use the following code: BJF1Z27G6




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ROAMANS.COM Free Expandable Bag Set with extra $1.99 shipping charge.
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g: 0 Posted By: DaysFan
Views: 274 Replies: 0 Roamans.com Free Expandable Bag Set with extra $1.99 shipping charge. HTTP://WWW.ROAMANS.COM http://media.plussizetech.com/roamans/mc/0554_75263_mc_0024.jpg

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kingsizedirect.com Suiting Sale 40% off dress shirts, suits, and ties
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g: 0 Posted By: DaysFan
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g: 0 Posted By: remick
Views: 462 Replies: 0 Inside Divergent
https://play.google.com/store/books/details/Cecilia_Bernard_Inside_Divergent_The_Initiate_s_Wo?id=yZlRAQAAQBAJ

The #1 New York Times bestselling novel Divergent is soon to be a major motion picture in theaters March 2014
Illustrated with more than 100 photographsmany never before seenthis eye-catching volume takes you inside the film version of Divergent where you'll discover the factions, meet the initiates, and enter the thrilling dystopian world.


The World of Divergent: The Path to Allegiant
https://play.google.com/store/books/details/Veronica_Roth_The_World_of_Divergent_The_Path_to_A?id=6s_qLDNW0kwC

Fascinated by the world of the Divergent series? This fifty-page bonus, previously only available in the Divergent Series Box Set, includes faction manifestos, a faction quiz, Q&A with #1 New York Times bestselling author Veronica Roth, book playlists, discussion questions, series inspirations, and much more! It also contains ten enticing teasers from Allegiant, the final book in the Divergent series.

mp3 from the soundtrack - Backwards by Tame Impala
https://play.google.com/store/music/album?id=Buuoj5prqvuhwkykhqeib4ofz44&tid=song-Tos6vdgvj2jntggdryvcrn4htfy




Books & Magazines Deals
Question about Savingstar promoiton & Ralphs supermarekt in SoCal
Added on : Wednesday March 12th 2014 05:00:19 AM
g: 0 Posted By: JimsEmptyWallet
Views: 118 Replies: 3 Not sure if this is the right forum but will see...
Anyone in SoCal has trouble getting Savingstar erebate after buying the promotion items from Ralphs? I don't get the credit automatically and have to contact them every time.
Discussion Deals
Ribbon App - Another way to MS with debit for free?
Added on : Tuesday March 11th 2014 06:00:07 PM
g: 0 Posted By: tedteddy
Views: 70 Replies: 0 Has anyone used Ribbon (https://ribbon.co) I recently got an invite, and it seems like a Venmo-ish product. From their FAQs:

What is Ribbon?
Ribbon is a simple way for friends to send and receive money using debit and credit cards.

How much does Ribbon cost?
Its always free to receive money. Its free to send money using Ribbon as long as youre using a debit card. If youre using a credit card, theres a 3% fee per transaction.

I have successfully added my bank account there, and looks like you can easily move cash out from the account to the bank. Don't have a PIN activated gift card that I can use right now, but I will try it out ASAP when I can. In the meanwhile, I'll test it out with a CC as well, although the 3% fee is a deal killer. Obviously this will need an A -> B -> A transaction like AP. They don't mention any monthly/daily limits.

Anyway, thoughts? Experience?
Discussion Deals
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
Discussion Deals
g: 0 Posted By: remick
Views: 61 Replies: 0 Inside Divergent
https://play.google.com/store/books/details/Cecilia_Bernard_Insi...

The #1 New York Times bestselling novel Divergent is soon to be a major motion picture in theaters March 2014
Illustrated with more than 100 photographsmany never before seenthis eye-catching volume takes you inside the film version of Divergent where you'll discover the factions, meet the initiates, and enter the thrilling dystopian world.


The World of Divergent: The Path to Allegiant
https://play.google.com/store/books/details/Veronica_Roth_The_Wo...

Fascinated by the world of the Divergent series? This fifty-page bonus, previously only available in the Divergent Series Box Set, includes faction manifestos, a faction quiz, Q&A with #1 New York Times bestselling author Veronica Roth, book playlists, discussion questions, series inspirations, and much more! It also contains ten enticing teasers from Allegiant, the final book in the Divergent series.

mp3 from the soundtrack - Backwards by Tame Impala
https://play.google.com/store/music/album?id=Buuoj5prqvuhwkykhqe...




Books & Magazines Deals
What type of tenants have you had the best luck with?
Added on : Monday March 10th 2014 07:00:09 AM
g: 1 Posted By: tedteddy
Views: 121 Replies: 2 I this thread we will discuss different types of tenants who tend to be better than average.

I personally have had the best luck with tenants in medical-type graduate programs. Dental/Pharmacy/Med grad students have a VERY reliable income from loans. They seem to study so much that they don't have time to party or mess up your place. They also tend to be clean people in general.

Who have you had the best luck with?
Real Estate Deals
g: 1 Posted By: ElephantNest
Views: 88 Replies: 0 http://dramclaims.com/

You qualify for money if you bought DRAMor productscontaining DRAM (computers, printers, video game consoles or other electronic devices) between 1998 and 2002. No documentation is requiredto file a claim.

Not sure if this should have gone here or in HD. Mods feel free to move.
Discussion Deals
g: 0 Posted By: Revenant
Views: 189 Replies: 0 REI Outlet ~ The North Face Women's Oso Fleece Hoodie~ $69.73 with free shipping.2013 Closeout

Prussian, Graystone, Silver, Pache Grey, Passion Pink and Brown
Clothing Deals

REI Coupons
Bitcoin Mt. Gox CEO's blog hacked, possible fraud
Added on : Sunday March 09th 2014 06:00:05 PM
g: 0 Posted By: samuelt
Views: 328 Replies: 2 It's interesting how this bankruptcy plays out.

http://news.cnet.com/8301-1023_3-57620092-93/mt-gox-ceos-blog-ha...

Hackers claim the data allegedly collected from the exchange's servers shows a disparity in the number of bitcoins deposited versus how many it claims were stolen in a security lapse.

Total BTC Deposits: 19,065,241.307202
Total BTC Withdrawl: 18,563,466.149383
------------------------------------
BTC Difference: 501,775.157819

Discussion Deals
new to heloc. suggestions needed
Added on : Sunday March 09th 2014 06:00:04 PM
g: 0 Posted By: megaawells
Views: 2 Replies: 0 Hello i just found this great site !

Here is my current situation as im looking for suggestions.


I make about 72 k base with some overtime. Married 5 kids.

Current mortgage is 195k with the house appraising for 300k.

We are looking to add a pool and complete our backyard.

I have been looking at helocs as my wife makes commission on her side job and could throw large sums 3 to 4 k at a time at the loan.

We would also like to make some renovations in the kitchen but are not in a hurry to do such.

What should i be looking at in terms of finding the right heloc for me.

All credit cards paid off and only debt is wife school loans mortgage and two vehicles in my name soley.

We have a credit union througj her work which shows prime plus an interest % of 5 which i beleive would make the rate 8.25.

Where else should i look?

I beleive at 80 ltv i could take out 45000 but i would not like to use that in full.

Thanks
Discussion Deals
Bitcoin Mt Gox Fraud
Added on : Sunday March 09th 2014 04:00:06 PM
g: 0 Posted By: samuelt
Views: 134 Replies: 1 It's interesting how this bankruptcy plays out.

http://news.cnet.com/8301-1023_3-57620092-93/mt-gox-ceos-blog-ha...

Hackers claim the data allegedly collected from the exchange's servers shows a disparity in the number of bitcoins deposited versus how many it claims were stolen in a security lapse.

Total BTC Deposits: 19,065,241.307202
Total BTC Withdrawl: 18,563,466.149383
------------------------------------
BTC Difference: 501,775.157819

Discussion Deals
door ding in parking lot, but I have other car's plate
Added on : Saturday March 08th 2014 01:00:09 PM
g: 0 Posted By: civ2k1
Views: 225 Replies: 6 I was parking in a parking structure this afternoon and there were no spaces available after driving all the levels. On the way down I found 1, but the guy was parked over the line.

I only planned to be gone for about 20 minutes, so it would be quick.

I was able to park leaving reasonable space on one side (where the neighbouring car that was parked in his space wasn't inconvenienced), and I climbed out of my car on the passenger side.

I took a couple photos of the car over the line and his plate just in case (should have listened to my inner voice and just not parked there).

Anyway, I just got back to my car and there's a pretty serious door ding (door panel is creased). I guess technically I can't prove it was that guy since I didn't see it happen. Should I waste my time reporting to my insurance (I'm assuming they can track the guy down based on the plate) or just suck it up because reporting to my insurance won't help and I'll end up with a claim on my record?

And I know, I was probably asking for it by knowingly parking there. Let's move on from that.

Edited to add: quite likely the door that hit me is a rental car, not sure if that helps, hurts, or doesn't matter. And I don't know how to post pics from mobile, but will do so later.
Discussion Deals
Bluebird & Reward Checking Requirements
Added on : Saturday March 08th 2014 09:00:10 AM
g: 0 Posted By: catanpirate
Views: 80 Replies: 1 This may have been posted before.

Many reward checking accounts require a certain number of direct deposits and a certain number of debit card transactions. I just found that when I linked my reward checking account, along with its debit card, to my bluebird I can take care of all the requirements in a few minutes every month. For the direct deposits, it's as easy as transferring money from your bluebird to your checking account. For the debit card transactions, you have to link your debit card and select it under "add funds" and do your 8 or 10 transactions ($1.00, $1.01, $1.02...).

After this, it's fairly easy to keep your rewards checking account at a certain balance - say, if you are only paid interest up to $15k. Do your debits, then your ACH direct deposit. When you accrue interest in the checking account, simply debit that to your bluebird and use bluebird's bill pay to pay down a credit card or utility. It's handy to keep a few bucks in your bluebird.

If you can't automate your reward checking requirements, this is a good option. Enjoy!


Discussion Deals
WPA Polyformance 9mm 115gr Ammo 500rds $130 shipped or less
Added on : Friday March 07th 2014 01:00:03 PM
g: 0 Posted By: ZombieHunter
Views: 260 Replies: 2 http://www.sportsmansguide.com/net/cb/cb.aspx?a=55612

500rds for $124.99 or $118.74 if member
1000rds for $245.99 or $233.69 if member

$5 shipping with code SH1661 (Coupon ends Monday 3/10)

WPA is Russian Wolf ammo, and while it is not match ammo, it works, and is great for the range.

AND... Don't forget the 5% FatCash..
Guns & Ammo Deals

The Sportsman's Guide Coupons
New Arrivals: Philipp Plein - Iridescent Ankle Boot
Added on : Friday March 07th 2014 09:00:07 AM
Iridescent Ankle Boot crafted in black calf leather with crystal and charm leather band around ankle of this army-style-gone-chic boot. Featuring rounded toe, signature logo plate on stacked heel, gusset and buckle detail and leather sole. Made in Italy.
New Arrivals: Giuseppe Zanotti - Lorenz Animal Print Sneakers
Added on : Friday March 07th 2014 09:00:07 AM
Lorenz Animal Print Sneakers are crafted in haircalf leather with suede and lamé accents in a wedge heeled design that adds chic to the casual sneaker look. Featuring rounded toe with double gold tone zip gussets, zippered heel accent, lace up front, multi-tonal and textured leather upper, gold laminate concealed wedge heel, leather lining and rubber sole. Signature dust bag and box included. Made in Italy.
Bobi Noir Shoulder Bag is crafted in supple calfskin leather creating a seductive style full of practicality. Featuring embossed flap magnetic closure, three interior compartments with expandable sides, detachable crossbody chain and leather shoulder strap, detachable compact mirror and signature detachable flashlight and keychain. Signature dust bag included. French Design.Special offers and rebates for Fujitsu LIFEBOOK® notebooks and Tablet PCs, STYLISTIC® tablets and mobile accessories.
Free Ebooks 3-7-14
Added on : Friday March 07th 2014 07:00:11 AM
g: 0 Posted By: jhall1822
Views: 226 Replies: 0 Note: Please make sure these Ebooks are still free as they are not guaranteed at any price! I am only posting 4+ rated books from FreeEbooksToday.com

Six Seconds
Rating - 4.6 (78 reviews)

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

RATS
Rating - 4.8 (14 reviews)

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

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

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

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

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

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

~Her whole life, it had just been the two of them. Before her mothers last breath, she gave Camille the information she had craved her entire life: the identity of her father. Daring to contact him, Camille was welcomed by an entire family she never knew existed. But nothing comes without a price, as she discovers when her family claims a legendary heritage tracing back to a Centaur touched by Zeus.As she learns the secrets of her Centaur bloodline, she is drawn into a forbidden love with Drake. Her family acknowledges her life may be the blood debt required to pay for her mothers transgressions. The same person who once held her mother captive, and forced her into decades of hiding, now controls Camille. Her only chance is to seek a piece of her mothers past that will win her freedom and the life she desperately desires.
Totally Free Deals
g: 0 Posted By: Marguerita
Views: 215 Replies: 1 Now those are some expensive cookies!
http://abcnews.go.com/Business/colo-man-owes-700-girl-scout-cook...
Discussion Deals
Rite Aid 3/16 - 3/22
Added on : Friday March 07th 2014 03:00:17 AM
g: 1 Posted By: MrVietnam
Views: 164 Replies: 5 $3 +UPS wyb 3 @ 3/$9 Cereals, L2 $1MQ in most Sunday Papers
Excludes Cascadian Farms & Single Serve Cups.
Pic shows 2 GM cereals - Fiber One and Honey Nut Cheerios

$1 +UPS wyb 4 @ $3 Single Serve Candy Regular Retail, L4
Pic shows M&M's Chocolate Bar, Butterfingers Peanut Butter Cups, Hershey's w/ Almonds and Snickers Bar
Tearpad MQ's at DG & Kmart for .55/1 Butterfingers

$5 +UPS wyb $20 on all L'Oreal products - cosmetics, skin care, hair color & hair care, L1
BOGO50% All L'Oreal Paris Cosmetics See most Sunday Papers for coupon
L'Oreal Advanced Haircare 12.6oz shampoo & conditioner or Advanced Hairstyle [select items] @$3.99 $2 MQ in most Sunday Papers
BOGO50% All L'Oreal Paris Skin Care

$2 +UPS wyb $10 of these items, Get $5 +UPS wyb $20, BOGO50% Neutrogena Skin, Bath, Shave, Hair or Sun Care L1
[One $2 +UPS and one $3 +UPS]

$2 +UPS wyb @ BOGO50% Suave Hair Care, Skin Care, Body Wash or Antiperspirant Deodorant, L3

$7 +UPS wyb 2 Agadir, Macadamia, It's a 10 or Joico Hair Care, L2
Excludes Trial or Travel Size 0.3-2oz

$7 +UPS wyb $15 Physicians Formula - All Cosmetics, L2

$10 +UPS wyb $20 @ $5.99 each, Nivea Hand and Body Lotion 13.5oz or Creme Tin 400ml or Men's Face Care, L4 3/2-3/29
$5/2 in most Sunday Papers

$3 +UPS wyb @ BOGO50% Any J.R. Watkins Products, L2

$5 +UPS wyb @ BOGO50% Nature Made All Vitamins and Supplements, L2

$3 +UPS wyb 3 @ $8.99 Neosporin, Neosporin Essentials, Aveeno Eczema, L2, 3/2-3/29
Neosporin Cream or Ointment 1oz, Neosporin Essentials Anti Itch Cream 10oz, Body Wash 10oz, Moisturizing Cream 6oz or Trial Size Kit, Aveeno Eczema 5oz

$5 +UPS wyb All TheraTears, L2

$1 +UPS wyb @ $5.99 Cortizone-10, Gold Bond Anti-Itch Cream or Allegra Cream 1-1.25oz, L2

$2 +UPS wyb @ $8.99 All Boston Eye Care Products, Biotrue Multipurpose Solution 10oz, Bausch & Lomb, L2
Bausch & Lomb - Renue Multipurpose Solutions, Twin Pack or Soothe Hydration Drops and PM Ointment
Bausch+Lomb $4 Soothe, any (3/31/14) SS 1/5/14

$2 +UPS wyb @ $16.99 Oxytrol for Women 4ct, L2

$10 +UPS wyb $20 @ BOGO50% of these Personal Care Items, L1
Absorbine Jr, Amalactin, Anacin, Aqua Net Hair Spray, Boiron Arnicare or Oscillococinum, Comtrex, Cranberry Plus Complex Liquid 15oz, Cutex Nail Polish Remover, Cystex Tablets, Dentek, Feosol, Finese, Fleet Enema Twin Pack, Geritol Tonic Liquid 12oz, Hyland's Cough and Cold or Leg Cramps, Joint Flex Cream, Jolen Cream Bleach, Kerasal Fungal Nail Renewal, Keri Lotion, Lipoflavoid, Lypsyl, Midnite Sleepaid, Mineral Ice, Monistat-1, Ocean Saline Nasal Spray, Pre-Seed, Rephresh, EPT Pregnancy Test, Shower to Shower, Similasan, St. Joseph Aspirin, Stopain, Sucrets, Summer's Eve, Udderly Smooth, Viactiv, Vivran Tablets, Wartstick, Yardley Skin and Bath and Zicam
$5/1 Similasan Eye Drops 3/2 SS, exp 3/31/14, $3/1 any Similasan product 3/2 SS, exp 5/31/14

$2 +UPS wyb @ $11.99 Allegra Allergy Relief, L4
Adult or Children's 12-15ct or 4oz or Allegra-D 10ct [Limit 1 Allegra-D per customer]

$2 +UPS wyb @ $11.99 Nasacort Allergy Relief, 60 sprays L4/b]
$2 MQ in most Sunday Papers

$2 +UPS wyb @ $24.99 Prilosec OTC 42ct, L2

$7 +UPS wyb $15 Excedrin Extra Strength or Migraine 24, 100 or 200ct, L1

$3 +UPS wyb @ $19.99 Claritin-D 15-20ct, L1 $2 in-ad RAQ
Kind of confusing Q, as it also states L4 Only pictures & Lists -D

$4 +UPS wyb $12 of Nabisco Crackers 6-16oz @ $2/6, L3

$1 +UPS wyb @ $8.99 Planters Mixed Nuts and Cashews 18.25oz or Almonds 21.2oz, L3

$1 +UPS wyb 4 @ 4/$5 7-UP or 7-UP Product 2 Liter Bottle, L2

$1 +UPS wyb @ $4.99 Russell Stover Bowline 8.25-12oz, Whitman's Sampler 7-12oz, L4

$1 +UPS wyb @ 2/$6 Hershey's Milk Chocolate Drops 8oz, Rolo, KitKat or Reese's Minis Pouch 8oz, L4

$1 +UPS wyb 4 @ 4/$5 Hershey's, Mars or Nestle 6 pack Candy, L4

$1 +UPS wyb 2 @ 2/$6 Hershey's Bliss, 8.6-9.6oz, L4

$1 +UPS wyb 2 @ 2/$2 Stride and ID Gum, L4

$1 +UPS wyb 2 @ 2/$4 Stride and ID 3 Pack Gum, L4

$1 +UPS wyb 2 @ 2/$5 Mentos Gum Curvy Bottles 45-50ct and Mentos Mints 6 pack, L4

$1 +UPS wyb 2 @ 2/$3 Easter Peeps 10-12ct or Sugar Free 3ct, L4

$1 +UPS wyb 2 @ 2/$2 Esater Basket Stuffers and Novelty Candies Regular Retail $1.29, L4
Picture shows Russell Stover, M&M plastic eggs, styrofoam egg package of marshmallow eggs

$1 +UPS wyb 2 @ 2/$4 Premium Jelly Beans, L4

$2 +UPS wyb @ $2.99 Reach Toothbrush, 1ct, L2
Picture shows Reach Total Care & a child's Barbie
Reach $1/1 toothbrush except crystal clean (5/3/14) SS 1/26/14

$1 +UPS wyb @ $4.99 Crest Toothpaste Sensi Relief 4.1oz or Be Chocolate Mint 4.5oz, L2

$3 +UPS wyb $10 any Crest, Oral-B, Fixodent or Glide Multipack Oral Care Product, L2

$3 +UPS wyb $12 of these items, L2 3/2-3/29
Huggies Jumbo Pack Diapers, Pull-Ups, Goodnites or Goodnites Bed Mat 9ct @ $9.99
J&J Baby Care Products @ $3.49 Regular Retail $3.49-$4.69

$2 +UPS wyb 2 @ 2/$5 Carefree Pantiliners 36-60 ct, Ultra 16ct, Stayfree Sanitary Protection Pads 14-24ct, o.b. Tampons 18ct, L2

$1 +UPS wyb @ $10.99 Clearblue Pregancy Test Kits +/-, Digital or Advanced Digital 2ct, L2

$2 +UPS wyb 2 @ 2/$8 Speed Stick Clear Antiperspirant/Deodorant or Body Spray, Irish Spring Gear Body Wash 15oz or Bar Soap 6 pack, L2

$2 +UPS wyb @$9.99 Gillette Body Razor, Fusion, ProGlide or Fusion 1ct, L2

$.50 +UPS wyb @ $1.50 Sure and Brut Antiperspirant and Deodorant, L2
$1.00 MQ in most Sunday Papers

$5 +UPS wyb @ $19.99 RA Acid Reducers Omeprazole or Lansoprazole 42ct, L2
In-ad RAQ $6.00

$1 +UPS wyb @ $6.49 RA Home Paper Towels 8 pack or Bathroom Tissue Double Roll, 12 pack, L2

$1 +UPS wyb @ $9.99 RA Protective Underwear 12-20ct, Undergarments 30ct, Guards for Men 52ct, Briefs or Boxers 10-12ct, Bladder Pads 33-60ct, L2

$5 +UPS wyb Foster Grants - All Sunglasses
Excludes ASOTV Glasses

$3 +UPS wyb @ $19.99 Disney Frozen DVD, L2
Release date 3/18

$1 +UPS wyb 2 @ 2/$7 Windex 26-28oz, Wipes 28ct or Shout Prewash Spray 22oz, L2
$1/2 MQ in most Sunday papers

$1.50 +UPS wyb @ $3.99 Colgate Toothpaste, Manual Toothbrush or Rinse, L2
TP - Total 7.8oz, Total Advanced 7.6oz, Optic White 5.5oz or Sensitive 6oz
TB - 360 Surround, Total Advanced or Optic White, 1ct
Rinse - Optic White 8-16oz or Total 500ml

$1 +UPS wyb 2 @ 2/$6 Lindt, Ghiradelli or Godiva Pouches 3.5-5.32oz, L4

$2 +UPS wyb 3 @ 3/$12.99 Coke or Coke Products 12 pack, L2

$6 +UPS wyb $20 @ BOGO50% Bayer Health Care Products, L2
Mix & Match
Bayer Aspirin, Aleve Pain Relievers, Vanquish, Midol, Alk-Seltzer Plus Cold Relief, Campho-Phenique, Neo-Synephrine, Alka-Seltzer Stomach Relief, Phillips Stomach Relief, TruBiotics, One A Day Vitamins or Citracal
Excludes Alka-Seltzer and Aleve Cold and Sinus products located at the pharmacy counter

Thx Virago06/sd
In Store Promos Deals
Albertsons Owner to Buy Safeway for More than $9 Billion
Added on : Thursday March 06th 2014 05:00:08 PM
g: 1 Posted By: NoMoneyInMyWallet
Views: 72 Replies: 1 http://www.nbcnews.com/business/business-news/albertsons-owner-b...

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

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

http://www.baltimoresun.com/business/bal-safeway-sale-would-tran...
Discussion Deals
Refurb ASUS Google Nexus 7 (2013) - $143.99 - MIR - ends 3/12
Added on : Thursday March 06th 2014 05:00:05 PM
g: 0 Posted By: ussvoyager04
Views: 196 Replies: 0 ASUS Google Nexus 7 FHD (2013) Android Tablet - 2GB RAM Quad-Core CPU 16GB Flash (Wi-Fi Only)
$143.99after$50.00rebate card


http://www.newegg.com/Product/Product.aspx?Item=N82E16834231555&...

Limit 15 per customer.

Qualcomm Snapdragon S4 Pro Quad-Core 1.50GHz
Android 4.3 (Jelly Bean)
Touchscreen
Adreno 320



Android Tablets Deals

Newegg Coupons
REQUEST - Jetsetz.com?
Added on : Thursday March 06th 2014 08:00:11 AM
g: 0 Posted By: anniedouglas
Views: 19 Replies: 0 I got a good deal on www.Jetsetz.comon a flight fromLos Angelesto London last December. I liked the price and service that I received and I wanted to book with them again. When I put in my information and hit the search button I ended up on different pagewith a bunch of other travel sites on it. Is Jetsetz.com still selling airline tickets or they now another advertising site?
Discussion Deals
Monster High Girls 7-16 2 Pack V-Neck Crop Bras $9.99 at Amazon
Added on : Wednesday March 05th 2014 07:00:03 PM
g: 0 Posted By: ArtieLange
Views: 60 Replies: 0 Monster High Girls 7-16 2 Pack V-Neck Crop Bras $9.99 at Amazon

http://www.amazon.com/Monster-High-Girls-V-Neck-White/dp/B00FEEG...


95% Cotton/5% Spandex
Machine Wash
Soft
Comfortable

Clothing Deals

Amazon Coupons
g: 2 Posted By: Logan71
Views: 144 Replies: 0 Granted, I'm not an AK expert, but when I see something that's ~$300 cheaper than Grab a Gun, it catches my eye. Widener's has a good reputation - discuss/purchase as you see fit.

Link

Description
AKPAP Zastava O-PAP Semi-Auto AK-47 Wood Stock 7.62x39 w/2 30rd Mags $579.00
Made in the same factory that produced top quality rifles for former Yugoslavia like the M70B1 and M70AB2, the newly manufactured PAP rifles are the civilian version of the M70 series. These beauties are the latest imports from the world famous Zastava factory. This is the HI-CAP classic full wood stock with a pistol grip. Features a a hammer forged barrel.

Comes with two 30 rd. mags.
TAPCO Trigger
Barrel: 16.25" with a 1:10 twist,
Overall: 36.25",
Condition: New.
Not available for sale in NJ, MA, CA, CT, HI, IL, CO or where prohibited by law
Stamped Receiver
Guns & Ammo Deals
g: 0 Posted By: KayK
Views: 6 Replies: 0 Map of US Economy Activity.. split 50/50 : http://i.imgur.com/9slRTRJ.png
Amazing to see how little area accounts for 50% of US economy.. Made me start to wonder if new cities popped up in the blue areas, how much more powerful US economy would be.

Map of highest paid state employee : http://i.imgur.com/NZXG0eZ.png
I knew before looking at the map that the highest paid employee was the basketball Coach, but I didn't know this was true for almost all of the states!

World divided into regions with GDP of 1 trillion dollars : http://i.imgur.com/NRefv2R.png
All of Africa consists of two regions. Japan by itself has over 5.
WV, half of DE, MD, PA, NJ, NY, CT, RI = All of Africa
Discussion Deals
New Arrivals: See by Chlo� Augusta Leather and Suede Tote
Added on : Wednesday March 05th 2014 09:00:09 AM
Augusta Leather and Suede Tote is crafted in buttery soft leather with suede detail in an ultra contemporary tote style. Featuring double rolled handles, detachable, adjustable shoulder strap, logo embossed front patch pocket, top zip closure, adjustable gusseted sides and gold tone hardware detail. Signature dust bag included.
g: 0 Posted By: st4rdust
Views: 154 Replies: 0 Monoprice has a California Classic Solid Body Electric Guitarin Sunburst for $81.96 - coupon code "BONUS15" = $67.00. Shipping ranges from $6- $14. There are other colors available for ~$10 more.

4.5/5 stars based on 31 customer reviews.

"This full-sized, 22-fret guitar features a double-cutaway body made of basswood, a bolt-on maple neck, a rosewood fingerboard, and chrome machine heads/tuning pegs. It uses three single-coil pickups in the bridge, middle, and neck positions. A five-position selector switch allows you to use each of the three pickups individually, while the 2 and 4 positions combine the neck and bridge pups with the middle one for that distinctive "quack" sound. A tremolo/whammy bar is included for note bending.Before it gets shipped to you, each Monoprice guitar undergoes a setup, tuning, and inspection process by Master Luthier Roger Gresco here in Southern California. The setup ensures that the neck is straight, the action is right, and that it will stay in tune. Additionally, it comes with everything you need to get started, including strings (installed), the tremolo/whammy bar, a heavy-duty zippered black gig bag with shoulder strap, and a truss-rod wrench."
Music Deals

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

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

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

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

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

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

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

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

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

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

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

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

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

Totally Free Deals
g: 0 Posted By: stopsignhank
Views: 239 Replies: 5 http://www.cbsnews.com/news/nj-teen-sues-parents-claims-they-kic...
MORRIS PLAINS, N.J. -- A bitter family battle was playing out in a New Jersey courtroom Monday, as an 18-year-old student has sued her parents claiming they kicked her out and demanded she pay for her own college education.
As CBS New York's Christine Sloan reported,Rachel Canning's parents could not believe it."We're being sued by our child," said Sean Canning, a former police chief in Lincoln Park, N.J.

"I'm dumbfounded, so is my wife, so are my other daughters.

"Rachel Canning is a cheerleader and an honor student at Morris Catholic High School in nearby Denville.In court papers, she alleged her parents abandoned her when she turned 18 and have now refused to pay for her to go to college - even though she has received acceptance letters from several universities.

But her father told a different story."I know Rachel is a) a good kid, b) an incredibly rebellious teen, and she's getting some terrible information," Sean Canning said.He claimed Rachel ran away from home in November because she did not want to follow house rules."Living in our house, there's rules," he said. "There's minor chores. There's curfews - when I say curfew, it's usually after 11 o'clock at night."

Rachel did not want to be interviewed Monday.

She is staying with the family of her best friend - which includes attorney John Inglesino.Inglesino is funding the lawsuit, telling CBS New York it is the only way the bright and focused teen will be able to go to a college appropriate for her to become a biomedical engineer.

Rachel, who has a $20,000 scholarship, said the University of Vermont is her first choice.

But Sean Canning said he is not refusing to pay for her college education."I reject the whole question on that -- the whole premise," he said. "We have a college fund that's available to her - there's no doubt about that.

But it's the equivalent ... of going shopping at a high-end store and sending somebody the bill."

Rachel has said she did not run away, but was given the option of dumping her boyfriend or getting out.

"Me and my wife are distraught," Sean Canning said.Both sides will be in court Tuesday.

Rachel Canning wants the court not to emancipate her, because under the law, a parent has an obligation to support any child who cannot stand on his or her own financially.Rachel also said every piece of financial paperwork she fills out asks her that question and shows she clearly doesn't have the means to support herself.

Inglesino said he has spent more than $12,000 on the lawsuit because he wants Rachel to have a great future.Sean Canning said Inglesino is just butting in where he shouldn't and is influencing Rachel inappropriately.
Discussion Deals
L'Oreal Register Gold Rewards -Golden Monday 3/3/14
Added on : Monday March 03rd 2014 06:00:11 AM
g: 1 Posted By: CindyLouWho2
Views: 222 Replies: 3 L'Oreal Register Gold Rewards -Golden Monday 3/3/14
Register L'Oreal Gold Rewards - Golden Monday 1/6/13
Register with Loreal Gold Rewards and you can earn a free box of Loreal hair color just for entering codes! You can only enter 2 code per month. When you reach 5 codes you'll receive a coupon for a free box of Loreal hair color. Golden Monday is 1/6/14.

Here is a list of shades. I earned my free box today! It said I should receive my coupon in 6-8 weeks.

Feria #36 HE192
Feria #56 12G600
Feria #67 12G400
Superior Preference #4R Dark Auburn 12G401
Preference shade 5 12F900
Preference shade 5 HE288
Preference shade 5 12G502
Preference shade 5 12G606
Preference shade 5A 12G800
Preference shade 6 12H104
Preference shade 6 12F509
Sublime Mousse (20V): 30H204 , 30GN04, 30H102, 30H300
Root Rescue: 12G403,12G4UU,
Superior Preference: 20V 12H401, 4A 12H401
Superior Preference: 4a 12H500
Feria: 25V 12G000
30gd00 Sublime Mousse (Pure Light Blond Color #90)
12CN01 Healthy Look Crme Gloss
Surveys & Rewards Deals
Car insurance comparison sites?
Added on : Monday March 03rd 2014 04:00:08 AM
g: 0 Posted By: yurgreat
Views: 53 Replies: 0 are there any comparison sites that give you quotes on your screen?

I went thru http://www.insurance.comparisons.org/and entered my info.All I gotwere referral links to the big insurance companies where I had to enter my info again.
so basically they get their $ from referral links, plus they now have my info (probably to sell to marketing groups).

AVOID http://www.insurance.comparisons.org/
Discussion Deals
ShopDiscover Cashback Account is Negative
Added on : Sunday March 02nd 2014 09:00:10 PM
g: 0 Posted By: KYBOSH
Views: 90 Replies: 1 Wokeup to find my CashBack account in the red. They decided to clawback some CB on purchases that i made through their website,
As far as i can see i would have to earn CB to bring it back in the black.which feels like throwing good money away. Either i would have to pay them out right or earn CB over time to bring my CashBack balance up. Or close the account app later hoping i wont get AA or the balance follow me.

If anyone has any exxperience with this please feel free to comment and share.
Discussion Deals
Tax strategies for online merchants
Added on : Sunday March 02nd 2014 04:00:06 PM
g: 0 Posted By: Stallman
Views: 37 Replies: 1 I have a decent day job, but have always dabbled in one small entrepreneurial endeavor or another on the side. Last year, one of myideas did very well considering the time and effort I put into it. I am doing eBay/Amazon/etc sales and did I everjust get clobbered on taxes.I'd like to hear about what Icould or should be doing going forward toreduce my tax burden for 2014. I did not do much other than keepgoodrecords and file a Schedule C for 2013.

The first thing I can think of would be to reduce my self-employment taxes by forming an S-Corporation for this venture. Rightnow I have all my payments funnel into an online bank account set up specifically for these sales, it'sjust astandardonline personal account.Would I need to use a different business account for any reason?Would I have to have to notify eBay/Amazon for any reason. or can I still have the payments dump tothe one account.

I also set up a solo 401(k) for this business,that should help a bit as well on the income sideas well as getting me some moretax advantaged retirement funds. I set upthe fund in 2013, can I contribute to it from my sole proprietorship as employer matching funds (I max out my day job 401(k) already) , or do I actually have to be a corporation first? I figure ifI have to pay self employment tax, than I am already an employer...

Any other strategiesor discussion are welcome.





Tax Deals
Free Christian Audio Book - A Normal Christian Life
Added on : Sunday March 02nd 2014 12:00:10 PM
g: 0 Posted By: remick
Views: 88 Replies: 0 http://christianaudio.com/free

Watchman Nee was a beloved Christian teacher and leader imprisoned, persecuted, and martyred for his faith in China. Nee's writings have become classics, encouraging readers to a full faith and commitment to God.

His best-known title, A Normal Christian Life, unfolds the path of the Christian faith and the eternal purpose of God in simple terms. Nees discussion and writings on the book of Romans is truly challenging. Not for the faint of heart, his classic work takes on many difficult subjects and radically challenges current Christian culture.
Books & Magazines Deals
Best Travel Apps
Added on : Saturday March 01st 2014 03:00:11 PM
g: 0 Posted By: LArugby
Views: 62 Replies: 0 On my search for travel savings I'm currently looking for some apps that can help us save when travelling internationally. We are going to Sicily, Croatia, and Austria next month so we are on the hunt for travel apps that may save some money on our trip. I found these2 interesting "money-saving"apps:

Onavo- This is supposed to cut the data usage on your phone by 5X. It reducesroaming charges.Found a good review of it on PCmag here that mentions the big savings:http://www.pcmag.com/article2/0,2817,2393941,00.asp
WhatsAPP - App allows free textingand group chats.

What about you? Any travel apps to help you save (especially on international trips)? Let's list them here.

Discussion Deals
g: 1 Posted By: wfay
Views: 131 Replies: 0 I just discovered something (mildly annoying) and thought I would share it with the entire community.

I had a prepaid (Reward) Visa-branded debit card issued by MetaBank that was sent to me after filing for a rebate on an item/purchase from Newegg a few months back. The "valid thru" date was 02/14 so the balance was available to spend through 02/28/14 - and the card would revert to $0 balance on March 1, 2014.

The original balance was $20 and I spent all but $3.xx of it. I meant to go by McDonalds or something earlier and spend the remaining balance, but ran out of time during the day. So I went by an hour ago, right around 11pm my time (US Central).

The card was flat out denied. I thought this was a bit odd as I had checked the MyPrepaidCenter.com website just before I left and it showed the correct balance.

I've browsed the Cardholder Agreement and Terms of Use and various other documentation and can find no mention anywhere that the card would expire in a timezone other than my own, or perhaps that of Metabank (they seem to be based in South Dakota and Iowa - certainly not US Eastern). The customer service line has an 801 area code which is Utah - also not US Eastern.

I tried using the $3.xx on an Amazon gift card just now (11:30pm my time) and Amazon would not even accept the card for payment as it claimed the expiration date had already passed. But we all know Amazon is based in WA which is US Western. So clearly Amazon somehow "knows" the expiration time for credit/debit cards is US Eastern. Yet it seems this is not widely known as I myself am just discovering this fun fact.

Obviously the take-away is "don't wait until the last possible minute to spend your prepaid Visa debit cards" and I'd generally agree, but I think that MetaBank and other issuers should be required to make this expiration time (not just the date!) clear in their paperwork. I have coworkers who are based in Hawaii and I could imagine one of them might plan to use such a card for dinner on the expiration date only to discover it expired a few hours earlier, unbeknownst to them.

Hopefully someone else here finds this useful... Also I'm posting this so Google will pick it up for other people who may search for this type of information.
Discussion Deals
50% off Sears Samsonite Umbrella Sale + 10% off @ Sears
Added on : Friday February 28th 2014 03:00:04 PM
g: 0 Posted By: erohrer
Views: 152 Replies: 0 50% off Sears Samsonite Umbrella Sale + 10% off

10% off Coupon Code: HOMESALE14 expires 03/01
Home & Garden Deals

Sears Coupons
New Arrivals: Jil Sander - Tootie Shoulder Bag w/Ring
Added on : Friday February 28th 2014 09:00:15 AM
Tootie Shoulder Bag w/Ring by Jil Sander is crafted in lux calf leather with metal ring to accent the front adding an extra layer of chic to the modern minimal design. Featuring flap top magnetic snap closure, contrasting leather gussets, triple compartments, leather shoulder strap and silver toned accents. Made in Italy.
New Arrivals: Marc by Marc Jacobs - Washed Up Novelty Billy Shoulder Bag
Added on : Friday February 28th 2014 09:00:15 AM
Washed Up Novelty Billy Shoulder Bag crafted in textured calf leather in a chic boho style. Featuring rolled single top handle, detachable, adjustable shoulder strap, top zip closure, double expansion zip gusset, signature logo plate and gold tone hardware detail. Signature dust bag included.
g: 2 Posted By: quickNdirty
Views: 252 Replies: 1 Newegg has this receiver listed at $299 + $1.99 shipping with no MIR rebate required here:

http://www.newegg.com/Product/Product.aspx?&Item=N82E16882120218...

Interestingly enough if you do a search for the receiver on Newegg's page it shows in the results @ $349.99 + $9.99 shipping, but when you click on the link it does in fact reflect a $299 + $1.99 shipping price.

Had to jump on it myself for that price. Added an additional 3 years of Squaretrade warranty for $32 after coupon + tax (clarification- warranty runs concurrent with manufacturers warranty- however ST covers your shipping so that covers the cost of the warranty alone should it fail). Don't think you can go wrong with this deal on a feature loaded receiver like this.



HT-RC560 and TX-NR626 are identical (or nearly so) as explained by an Onkyo rep in a Woot discussion:
http://www.woot.com/forums/viewpost.aspx?postid=5492419&pageindex=3&replycount=151#post5493142
http://www.woot.com/forums/viewpost.aspx?postid=5492419&pageindex=3&replycount=151#post5493214
Quote :Yes the new HT-RC 560 is 3D ready, as this unit is the same build as our new TX-NR 626 receiver. You can review the specifications of the TX-NR 626 via http://www.onkyousa.com/Products/model.php?m=TX-NR626&class=Receiver&source=prodClass

Quote :The overall differences and purposes for the sale of the HT-RC and TX-SR/ TX-NR Onkyo receiver models are the following:

- The HT-RC models are the same build as the TX-SR/ TX-NR models. This provides a more unique identification from the widely available TX-SR/ TX-NR model lines.

- HT-RC models are only sold by specific authorized Onkyo dealers in NORTH AMERICA only. While the TX-SR/ TX- NR models are globally available for purchase with all authorized Onkyo dealers.

Home Theater & Audio Deals

Newegg Coupons
Be careful with Sellmileage.com (Ash or Tina)
Added on : Friday February 28th 2014 02:00:04 AM
g: 0 Posted By: luuniem
Views: 20 Replies: 0 This miles broker is a thief. A month ago they offered me the rate 1.45 for 110,000 mile of AA which is a little bit higher than others. But then they asked for the full access of my AA account which is login, password. They even wanted to have one of my credit card with #, name, address so that they can book the ticket themselve for their client the way they wanted. They agreed to pay me throught Paypal only after they got the ticket. I was so dump to believe in them. Anyway i don't who they booked for or how they booked, they paid me through paypal $1595 for 110,000miles after i forward the e-ticket to him. Three days later, i was trying to log in my AA account to see if my another coming 50,000mile suppose posting too but i can't log in, then i received the email from AA saying they locked my account due to violate the terms and conditions. Not only they found out this recent transaction but they also found out another transaction from last year (150,000miles). Then AA said they will take away for 110,000mile by calcenling the ticket, take away the coming 50,000mile, charge negative 75,000miles (from previous transaction 150K). I don't know how he booked the ticket for his client but it's a big mess.
But the worse part is now (2days ago) he is trying to have reverse charge back on me since he used credit card to pay through Paypal. I just sold my miles to him and i deliver completely to him by giving him all my loging, passwd, credit card #, he is the one book the ticket himself and i think maybe he is too greedy book some special ticket or something so that he could charge at $2500 from his client. But then it's red flag the AA system. I am not even blame on him and i also took the hit and have to take care for my negative AA account too because i know i have to take a risk with my account when selling mileage. But he used paypal buyer protection program and put a blame on the customer.
Everyone should be very careful with this guy Sellmileage.com otherwise it will be a big mess like i did.
Discussion Deals
g: 9 Posted By: remick
Views: 723 Replies: 1 http://www.amazon.com/St-Patricks-Day-Irish-Way-ebook/dp/B00IME2...

This is a book jam packed with some history of St. Patrick, how he came to Ireland, how the parades started and of course the delicious food we eat!
There are 23 mouthwatering recipes in the book, including the following...

Full Irish Breakfast
Dublin Bay Chili Prawns
Bacon and Cabbage
Colcannon
Traditional Irish Stew
Beef and Guinness Pie
Bailey Cheesecake
Nanny's Scones
Traditional Apple Tart
Baileys Bread and Butter Pudding



Fast and Fun St. Patrick's Day Recipes
http://www.amazon.com/Fast-Patricks-Recipes-Holiday-Entertaining...

Everyone is Irish on St. Patrick's Day, so mark the occasion this year with these fast and fun St. Patrick's recipes. From soup to main course, side dishes, drinks and desserts, you can plan a full meal with the help of this handy guide.

Whether you are looking for recipes to try for a family meal at home on a budget, or things to prepare for a St. Patrick's Day Party, these recipes will help you create tasty dishes that everyone will enjoy.

From the traditional Irish stew, Shepherd's pie, potato bread and colcannon, to more modern recipes like the rich Beef with Guinness or Green Clover pie, you will find two dozen recipes that will be sure to tempt the taste buds of even the fussiest little leprechauns.

You will also discover the history of Irish cookery, the role of the potato in Irish history, and more. If you are looking for inspiration for a special St. Patrick's Day celebration the whole family will love, use this guide to help you start planning your fabulous Irish feast today.



Totally Free Deals
Black & Decker Toaster Oven $39.99 + in store Shipping @biglots.com
Added on : Thursday February 27th 2014 04:00:06 PM
g: 0 Posted By: jisab
Views: 185 Replies: 0 http://www.biglots.com/p/c/small-appliances/black-and-decker-toa...

Toast or bake without the fuss! This toaster oven fits easily on a countertop, with room inside to fit a 9" pizza or 6 slices of bread. Includes 4 different functions; keep warm, bake, broil, and toast.

60-minutes timer automatically shuts off the oven and sounds a signal bell when cooking is done
Removable crumb tray to make cleaning effortlessly convenient
Limited warranty
Appliance Deals
Free Russ Brown motorcycle stickers
Added on : Thursday February 27th 2014 01:00:08 PM
g: 0 Posted By: remick
Views: 153 Replies: 0 http://www.russbrown.com/stickers.html
Home, Auto & Pets Deals
New Arrivals: Marc by Marc Jacobs - Washed Up Novelty Tote
Added on : Thursday February 27th 2014 09:00:16 AM
Washed Up Novelty Tote crafted in textured supple leather in a street chic shopper style. Featuring side zip gussets, adjustable, removable shoulder strap, double rolled handles, internal zip pocket, signature logo plaque and gold tone hardware detail. Signature dust bag included.
Discover offers free FICO credit scores to ALL cardholders
Added on : Thursday February 27th 2014 09:00:14 AM
g: 0 Posted By: Technologist
Views: 3 Replies: 0 Unlike the previous discussion (which was "Discover offers free FICO scores to Discover IT cardholders " This appears to have migrated to ALL Discover cards.

My latest satement had an insert, and my score (841) was printed right on the statement.

and yes, that was a not so subtle "weenie-brag" about my score....

Previous discussion here:
http://www.fullofdeals.com/forums/finance/1315555/

Also, discussion about Juniper Or Barclay's offering the same in multiple places on FWF.
http://www.fullofdeals.com/forums/finance/1345438/?newest=1#last

PS, same score for me at both Barclay and Discover.

Credit Deals
g: 0 Posted By: remick
Views: 140 Replies: 0 http://www.amazon.com/St-Patricks-Day-Irish-Way-ebook/dp/B00IME2...

This is a book jam packed with some history of St. Patrick, how he came to Ireland, how the parades started and of course the delicious food we eat!
There are 23 mouthwatering recipes in the book, including the following...

Full Irish Breakfast
Dublin Bay Chili Prawns
Bacon and Cabbage
Colcannon
Traditional Irish Stew
Beef and Guinness Pie
Bailey Cheesecake
Nanny's Scones
Traditional Apple Tart
Baileys Bread and Butter Pudding



Fast and Fun St. Patrick's Day Recipes
http://www.amazon.com/Fast-Patricks-Recipes-Holiday-Entertaining...

Everyone is Irish on St. Patrick's Day, so mark the occasion this year with these fast and fun St. Patrick's recipes. From soup to main course, side dishes, drinks and desserts, you can plan a full meal with the help of this handy guide.

Whether you are looking for recipes to try for a family meal at home on a budget, or things to prepare for a St. Patrick's Day Party, these recipes will help you create tasty dishes that everyone will enjoy.

From the traditional Irish stew, Shepherd's pie, potato bread and colcannon, to more modern recipes like the rich Beef with Guinness or Green Clover pie, you will find two dozen recipes that will be sure to tempt the taste buds of even the fussiest little leprechauns.

You will also discover the history of Irish cookery, the role of the potato in Irish history, and more. If you are looking for inspiration for a special St. Patrick's Day celebration the whole family will love, use this guide to help you start planning your fabulous Irish feast today.



Totally Free Deals
Williams Sonoma Free Technique Classes March - On Sundays @ 2pm
Added on : Thursday February 27th 2014 02:00:05 AM
g: 0 Posted By: CindyLouWho2
Views: 134 Replies: 0 Williams Sonoma - Free Technique Classes March Sun. 2 pm

We're pleased to offer complimentary Technique Classes at your local Williams-Sonoma store. Class sizes are limited. Classes are on Sunday at 2 pm.

Hour-long technique classes are free and include tastings of prepared dishes.
Participants enjoy 10% savings on select same-day store purchases.
Available at all stores; class times vary by store location.
Class size is limited call your local store to register.

March 2014 Technique Classes
Spring Baking
March 2

Take your baking skills to the next level. You'll learn how to make everything from the little French sponge cakes known as madeleines to beautiful citrus cakes. Whether you're hosting a party or attending a potluck, these sweet treats will transform any springtime gathering into a special occasion.

*********************************************************************

Weekend Entertaining Spring Dinner
March 9

Spring's long-awaited produce is making its way to markets, so get ready to celebrate its arrival! Learn how to prepare strawberries, peas, asparagus and new potatoes in fresh-tasting dishes that are great for entertaining.

**********************************************************************

Knife Skills
March 16

Spring is just around the corner it's the perfect time to refresh your knife skills. Join us and learn how to chop, slice and dice seasonal fruits and vegetables like a pro. We'll also offer knife sharpening services in this class.

***********************************************************************

Cooking What's in Season
March 23

Farmers' markets are coming alive with the bounty of spring. Learn how to select and cook baby artichokes, peas, asparagus, fava beans and more. We'll discuss the cooking methods that are best for showcasing the delicate flavors of these tender new vegetables.

***********************************************************************

Elevating the Egg
March 30

The versatile egg provides a wealth of options for tasty meals. Join us as we transform this humble ingredient into frittatas, eggs Benedict and other eggs-traordinary dishes. They're ideal for a festive brunch yet simple enough to enjoy on weekdays.


http://www.williams-sonoma.com/customer-service/store-events.html

Totally Free Deals
g: 0 Posted By: DaysFan
Views: 48 Replies: 0 http://www.kingsizedirect.com

Extra 40% off your highest priced item applies to merchandise total, not including shipping and handling or taxes. Discount applies to single units of items. Does not apply to Clearance items or Shoes. Not applicable on purchases from The Sportsmans Guide, PlusSizeLiving, eBags, non-KingSize items on OneStopPlus.com, and all merchandise that is shipped directly from the manufacturer.

Enter KS41262 in the Promotion Code box in your Shopping Cart, then click Apply.


Your discount will be applied automatically. Not redeemable for cash. Not applicable to payment of prior purchases, charges, gift cards or e-gift cards. Cannot be combined with any other discount offer.

Expires 2/28/14 at 11:59pm ET
​What are the best places to visit in Jakarta?
Added on : Wednesday February 26th 2014 09:00:08 PM
g: 0 Posted By: freyjamanfrin
Views: 28 Replies: 0 My husband and I were thinking of Jakarta as our next destination. We have been searching information about the city prior to booking. I discovered through Westhill Consulting Travel & Tours that Singapore that the city was one of the must-tries. And I thought I could make use of some tips and advices from those who had first hand experiences. So my first concern is and mostly what I wanted to know is, what part of Jakarta is the best place to visit?
Discussion Deals
Couple finds gold coin jackpot
Added on : Wednesday February 26th 2014 11:00:10 AM
g: 0 Posted By: DonnieDuck
Views: 222 Replies: 8 Nice find
Discussion Deals
Finding it increasingly hard in getting ice cream in bay area
Added on : Wednesday February 26th 2014 07:00:08 AM
g: -2 Posted By: Xnarg1
Views: 201 Replies: 6 Went to 5 different locations - no luck. Finally found a stack of them at Walgreens, suspicious as to why this stack existed. Went to check out and the dreaded "cash only" sign appears. Cashier was very nice and said I can try using your CC, but register will not allow it. Left without any beans.

What are people in the south bay doing? Getting frustrating.
Discussion Deals
Delta frequent-flier plan now tied to airfare (very bad)
Added on : Wednesday February 26th 2014 03:00:04 AM
g: 1 Posted By: GeorgiaBulldawg
Views: 58 Replies: 0 In what marks a fundamental shift to its frequent-flier program, Delta will become the first major network carrier in the U.S. to have passengers earn award miles based on the fare they pay, rather than how far they fly.

Starting today, members of Delta's SkyMiles program who book a trip taking place after Dec. 31 will accumulate miles under the new model.

No longer will a flier who pays the cheapest fare in Coach be able to earn the same number of miles as a fellow passenger who purchased a perch in business class. Instead, the flier who spends more for a first-class seat or perhaps a last-minute business trek will also earn more.

more: http://www.usatoday.com/story/travel/flights/2014/02/26/delta-frequent-flier/5815425/
Discussion Deals
Rite Aid 3/9 - 3/15
Added on : Wednesday February 26th 2014 02:00:05 AM
g: 0 Posted By: MrVietnam
Views: 36 Replies: 0 $5 +UP wyb $15 of these Pain and Cold/Flu Relief items, L3
Advil, ThermaCare, Dimetapp, Robitussin and Chapstick
[Advil Cold and Sinus and Advil Allergy/Sinus located at the pharm counter. Not available in all states. Limit 1 Advil Cold and Sinus or Advil Allergy/Sinus per customer] ~No sizes listed~

$2 +UP wyb 2 @ 2/$10 BenGay 2oz, Motrin IB 50ct or Motrin PM 20ct, L2

$4 +UP wyb 1 @ $23.99 Allegra Allergy Tablets 45ct, D 30ct, L2
[Allegra-D located at Pharm Counter. Not available in all states. Limit 1 Allegra-D per customer]

$4 +UPS wyb 2 @ 2/$50 Prevacid 24 Hour 42ct, L4
Lists $10/2 MQ in most papers

$3 +UP wyb 3 of these items, L2 3/2-3/29
@ 2/$6 Band-Aid Brand Bandages and Hurt Free Wash 6oz
choose from plastic, sheer, children's clear, Dryfit, flexible fabric, tough strips, sports, active, antibacterial or waterproof 10-80ct
Neosporin Kid Wound Cleanser 2.3oz
@$4.99 Neosporin 0.5oz or Spray 0.26oz,Benadryl cream 1oz, spray 2oz or gel 4oz, Aveeno Cream 1oz or Lotion 4oz

$2 +UP wyb 2 @ 2/$12 the following items, L2
Kotex Maxi Pads 28-44ct
Lightdays Pantiliners 80-135ct
Security Tampons 36ct
Poise pads 20-22ct [regular retail $6.49-$6.99]
Pantiliners 44-48ct

$2 +Up wyb 2 @ 2/$6 Irish Spring Body Wash or Bar Soap, 3 pack [excludes Gear], L2

$5 +UP wyb $25 of these Gillette items, L2
Gillette Styler, ProGlide, Fusion, MACH3 and Venus cartridge Refills. Fusion or Satin Care Shave Gel, ProSeries Skin Care, Old Spic or Gillette Body Wash or Bar Soap

$1 +UP wyb 2 @ BOGO50% Bic Disposable Razors, L2
$3/2 MQ in most Sunday Papers

$1 +UP wyb 1 @ $3.99 of these items, L2
Crest 3D White Toothpaste 7.6oz
Paste Lux 4.1oz
Rinse 437 ml
Oral B Manual Toothbrush Proflex 1ct

$1 +UP wyb 2 @ 2/$6 of these items, L2
Crest Pro-Health Toothpaste 4.2oz
Rinse 250ml
Oral B Manual Toothbrushes
[excludes Clinical]

$3 +UP wyb 1 @ $14.99 Colgate Optic White Toothbrush Plus Pen, L2

$2 +UP wyb 1 @ $5.99 Colgate items listed, L2
Colgate Total Advanced Mouthwash 1 liter
Toothpaste - Multipacks 4oz or larger or Power or Multipack Toothbrushes [excludes Optic White and Extra Clean 3ct]
See most Sunday Papers for coupon

$3 +UP wyb 1 @ $24.99 Pampers Super Pack Diapers, L2

$5 +UP wyb $20 of any 2 of these items, L2
2/$15 Tugaboos Jumbo Pack Diapers, Training Pants or Overnights
2/$11 Tugaboos Baby Wipes 192-216ct
2/$5 Tugaboos Baby Bath or Skin Care Products or Cotton Swabs, 300, 500 to 625ct Reg Retail $2.99-$5.49

$3 +UP wyb $10 @ BOGO50% Wet n Wild Cosmetics, $1.99 and up, L2
$1.00 coupon savings in most Sunday Papers

$3 +UP wyb $10 of these items, L2
Kiss, ImPress and Broadway Artificial Nails

$5 +UP wyb 2 Sally Hansen Triple Shine Nail Enamel, L2

$5 +UP wyb $15 of All Burt's Bees, Gud or I Love Cosmetics, L2

$5 +UP wyb $20 of these items, L2 3/2-3/29
Aveeno Body Wash 12oz or Facial Cleansers @ 2/$10 [$2/2 MQ in most Sunday Papers]
All Aveeno Men's and Shave or select Baby Items @ 2/$7
Aveeno Hand and Body Lotion @ $8.49 [$1/1 MQ in most Sunday Papers]

$10 +UP wyb $20 of these items, L2
Biosilk, TIGI Bed Head, TIGI Catwalk or Sebastian Professional Hair Care [excludes Trial and Travel Size]

$10 +UP wyb 1 @ $42.99 Rogaine or Viviscal Hair Nutrient Tabs, L2
Rogaine Men's or Women's Hair Regrowth 3 pack
Viviscal Hair Nutrient Tabs

$6 +UP wyb $18 of All Cetaphil Skin Care, L2

$1 +UP wyb 2 @ 2/$7 Revlon ColorSilk Hair Color, one application, L2

$5 +UP wyb $15 Assorted Jewelry, L2

$1 +UP wyb ASOTV Bacon Bowl, Potato Express or Stufz, L2

$1 +UP wyb 2 @ 2/$5 Premium Jelly Beans or Non-Chocolate Bagged Candy, L4

$8 +UP wyb Hunger Games Catching Fire DVD, L1

$1 +UP wyb 2 @ 2/$7 Dove Easter Chocolates 7.94 - 8.87oz, Ghirardelli 4.58oz, Cadbury or Mars Multi Pack Bars, L4

$1 +UP wyb 2 @ 2/$3 Peeps 3-16ct, L4

$5 +UP wyb 1 @ $14.99 Russell Stover I Love You Mom Box 30 oz, L4

$1 +UP wyb 1 @ $4.99 Hershey's Pot of Gold 8.7-10oz, Russell Stover or Whitman's Chocolates 12oz, L4

$2 +UP wyb 1 @ $7.99 Lindt Chocolate Gift Boxes, L4

$1 +UP wyb 1 @ $3.99 Ferrero Rocher Hazelnut Chocolates 12ct, L4

$1 +UP wyb 2 @ 2/$5 Trident, Stride or Dentyne Multi Pack Gum, L4

$1 +UP wyb 2 @ 2/$3 Altoids 1.76oz

$2 +UP wyb 3 @ 3/$12.99 Coke and Coke Products 12 Pack, 12 oz cans, L2

$1 +UP wyb 2 @ BOGO Free All Banana Boat Sun Care, excluding twin packs and value packs, L1 3/2-3/29
$1/1 MQ in most Sunday Papers

$10 +UP wyb $25 @ BOGO50% Ace and Futuro Supports, Braces and compression Hosiery and Nexcare Products, L2

$5 +UP wyb 1 @ $11.99 Duracell Batteries, L2
AA, AAA or Hearing Aid - 16 pack
C, D - 8 pack, 9 volt 4 pack, Quantum AA or AAA 12 pack
g: 0 Posted By: MrsGuin
Views: 217 Replies: 1 Add-on item, can only be added to orders totaling $25 or more. http://www.amazon.com/gp/product/B00B4DZJXK
Clothing Deals

Amazon Coupons
New Arrivals: Versace - Idol Shoulder Bag
Added on : Tuesday February 25th 2014 09:00:46 AM
White Medusa Logo Shoulder Bag is crafted in supple nappa leather in a classic yet contemporary statement bag. Featuring signature Medusa head medallion on magnetic flap closure, gusseted sides, dramatic link chain shoulder strap and gold tone hardware detail. Signature dust bag included. Made in Italy.
Winn-Dixie takeover of Sweetbay stores moves ahead
Added on : Tuesday February 25th 2014 08:00:11 AM
g: 0 Posted By: MISTERCHEAP
Views: 63 Replies: 0 http://tbo.com/news/business/winn-dixie-takeover-of-sweetbay-sto...
Discussion Deals
Balance transfer overage question - Penfed
Added on : Tuesday February 25th 2014 07:00:07 AM
g: 0 Posted By: fatbella
Views: 92 Replies: 2 Anyone overbalance transfer their current balance to get a negative balance and a return of overage check? Trying to do t his with Penfed since i have 50k of credit and they have a pretty good 0% 18 month promotion with max 250 fee. Their policies state that all overages need to be refunded but I have never had a case where overage was actually returned to the company doing the transfer; it was always returned to my home address payable to me.

guess questions are
1.)legal?
2.)repercussions?

i have done this a few times and the check was always sent back to me but a bit nervous with a larger transfer.

Credit Deals
Edible Magazine - free issue (mailed)
Added on : Monday February 24th 2014 05:00:07 PM
g: 0 Posted By: Gauss44
Views: 141 Replies: 0 http://ediblemanhattan.com/sub/eform/trialform.html

"Please note: You pay nothing now, and there is no obligation to subscribe. We hope you like the free trial issue and will consider subscribing in the future."


Congrats! Your FREE TRIAL issue ofEdibleis on the way.
Books & Magazines Deals
New Arrivals: Marc Jacobs - Big Big Apple Black Leather Tote
Added on : Monday February 24th 2014 09:00:07 AM
Big Big Apple Black Leather Tote is crated in sleek leather with bold gold tone cabochon accents in a 70»s retro bag with a modern twist. Featuring double rolled handles, open top, snap side gussets, outer zip pocket, protective metal feet, internal zip pocket and gold tone hardware detail. Signature dust bag included.
Disadvantage of IRA retirement account (losing ability to margin)
Added on : Sunday February 23rd 2014 04:00:12 PM
g: 0 Posted By: SegaRob
Views: 25 Replies: 0 So I don't see a lot of discussion on this issue. IRAs have a tax benefit, but you cannot borrow money against funds in an IRA.

So let's consider this with the following assumptions:
Your investment earns on average 10% per year.
Your average blended tax rate is 33%
You can borrow money on margin at 1.5%.
You can borrow money 3:1 for every dollar invested.
You are employed and earn more income than cutoff for Roth IRA.

In a traditional IRA, you invest $1000. You receive a tax deduction of $330. For simplicity, we'll just add this amount as free money in the IRA account. Then you earn 10% each year on this sum.
After 5 years of 10% compounded interest on $1330, the total becomes $2,141.98.

Now, if you kept the money $1000 in a cash account, you could borrow against it. You earn 10% on your own $1000 and 8.5% on $2,000 that you borrow (10% profit minus 1.5% margin interest). The net return is 27% before taxes and 18% after taxes.
After 5 years of 18% compounded interest on $1000, the total becomes $2,287.76.

Moreover, in the cash account every year after you are earning 18% net rather than 10%. This doesn't even consider the tax consequence of taking the funds out of the IRA account when you actually want to spend it in the future.

Clearly, this is very dependent on the initial assumptions. But 10% average annual returns is not far-fetched for the stock market, though some years may be worse and some may be better. The tax rate is middle of the road for a lot of middle-income earners. The margin rate is the current rate at Interactive Brokers, though clearly interest rates may rise in the future. The amount of leverage is also fairly conservative; potentially, you could leverage even more heavily which would favor the cash account even more. To make things simply, I avoided the Roth IRA discussion but the issue of losing leverage still applies.

I'm curious to hear people's thoughts. Did I make a mistake somewhere?
Investing Deals
g: 0 Posted By: Gauss44
Views: 66 Replies: 1 I have an extended family member who qualifies for elderly disabled subsidized housing in Massachusetts. The main concern is about the safety of these dwellings. I am aware that many people are disabled as a result of a highly communicable disease. An example would be drug-resistant tuberculosis. There's probably no way of knowing if the previous tenanthad an awful incurable transmittable diseases. And perhaps no way of knowing if a neighbor has something like that either (where the germs can just flow into your open window or contaminate the indoor hallway).

On the other hand, the incentive to live in a place like that is that they only charge 30% of a person's income. And if someone has no income, I believe monthly rent can be as low as $35 a month! Of course, that sort of savings is nothing compared to the misery and medical expense one would incur by catching some awful ailment. I've tried contacting the agency that runs these developments and all I got were vague answers. I think this is a common question, so hopefully someone on here would know the answer. I would really like to know specifics about what they do to ensure that diseases like my example of TB, don't run rampant (or get spread to a few unlucky individuals by means of their dwelling). I did a google search about this and found nothing. While I believe that this does fit FW since it's partially a financial issue, I would be interested in posting this elsewhere as well, if anyone's aware of a more appropriate forum (which I am not aware of and could not find).
Discussion Deals
New Arrivals: Roberto Cavalli - Hera Medium Tiger Printed Shoulder Bag
Added on : Sunday February 23rd 2014 09:00:07 AM
Hera Medium Tiger Printed Shoulder Bag is crafted in python skin with in an ultra modern style. Featuring flap closure with snake engraved clasp, chain and leather strap with stud detail, gusseted sides, rear plated pocket, interior zip pocket and gold tone hardware and detail. Signature dust bag included. Made in Italy.
New Arrivals: Michael Kors - Fulton Carryall
Added on : Sunday February 23rd 2014 09:00:07 AM
Fulton Carryall by MICHAEL by Michael Kors is crafted in luggage pebbled leather with gusseted sides in a classically elegant style. Featuring round gold tone logo medallion on magnetic snap closure, outer pocket, zip divider, two bill pockets, and 14 card slots.
New Arrivals: Carven - Carnet Green Shoulder Bag
Added on : Saturday February 22nd 2014 09:00:14 AM
Carnet Green Shoulder Bag by Carven Paris is crafted in glazed calf leather in a structured modern form. Featuring flap top button closure, side gussets, internal zip pocket and detachable chain shoulder strap. Signature dust bag included. Made in Italy.
New Arrivals: Carven - Asy Black Shoulder Bag
Added on : Friday February 21st 2014 09:00:10 AM
Asy Black Shoulder Bag by Carven is crafted in sleek glazed calf leather in a modern design that plays with the eye. Featuring side gussets, center zip pocket, flap top push lock closure and shoulder strap. Made in Italy.
Free Kindle Book- The Man's Guide To Sex
Added on : Friday February 21st 2014 03:00:11 AM
g: 0 Posted By: remick
Views: 165 Replies: 0 http://www.amazon.com/Mans-Guide-Sex-Harold-Lucious-ebook/dp/B00...

The Man's Guide To Sex is a wide-ranging look at human sexuality. Historical, medical, psychological, and even the comical aspects of sex are discussed. Not too many stones were left unturned in search of information to include in this book. This is not a book about relationships; it's about the relationship between a man and his sexuality. However, the information contained in these pages will serve to enhance his personal relationships, by giving him a better understanding of his own body, and the body of his significant other. Towards that end, this volume has copious photographs and illustrations, to go along with its detailed text. Although this work is aimed at men, women are implored to read it alsobecause there is information that's interesting and vital to both. Man or woman, everyone will come away knowing something about sex that they didn't know before reading this book.




Totally Free Deals
How to profit from move from Europe to USA
Added on : Thursday February 20th 2014 11:00:06 PM
g: 0 Posted By: Lamentablemente
Views: 7 Replies: 0 The thread about profiting from a trip to China (http://www.fullofdeals.com/forums/finance/1342755/ ) got me to wonder how I can profit from my upcoming move from Europe to the US. My company will pay for me to bring up to 20,000 lbs back with me, and I own next to nothing. Any advice about European goods that would resell easily in America for a profit and be worth the effort? Meat and dairy products have to jump through hoops and fees to enter legally, so I will avoid those. Im bringing back gallons of cheap, high-quality olive oil for my family, but I dont think theres much of a margin there.
Thanks, Lamentablemente
Discussion Deals
A cautionary tale (article): The Price Of Love For A Silicon Valley Man
Added on : Thursday February 20th 2014 07:00:15 PM
g: 1 Posted By: ablang
Views: 269 Replies: 5 I wish I had read this before I... well anyway here it is:

http://blog.personalcapital.com/financial-planning-2/the-price-o...

Discussion Deals
Russell Stover Valentines Candy 1/2 Off Online
Added on : Thursday February 20th 2014 05:00:06 PM
g: 0 Posted By: fabulousbiscuit
Views: 207 Replies: 0 Russell Stover has their Valentines candy on sale 50% off with FREE SHIPPING when you spend $25

Lots to Choose from:

Valentines Clearance
Food Deals
Commercial Rezoning Across The Street!
Added on : Thursday February 20th 2014 11:00:14 AM
g: 0 Posted By: dbess2013
Views: 179 Replies: 7 Hi all,

So, my last thread was all about my debt related to a great foreclosure purchase I made in the last 6 months. I've settled in the home and everything is going fairly well. I currently live in a neighborhood which has an adjacent through street that gets a pretty good amount of traffic, particularly during rush hours. Everything around me is zoned for single-family properties but there are some small offices and apartments 1 mile down the same road I live on. Directly across the street from my house, there is an old house sitting on about 3 acres which has been for sale for about 2 years with no activity to my knowledge. Yesterday morning, I awoke to a sign in their front yard indicating that there is a public hearing to move the site's zoning to O-1 (arterial office). I looked at the local zoning codes and the only thing I can find is C-1, which is neighborhood commercial.

Anyone have any experience with businesses moving in across the street from their house? I have a bad gut feeling about it but on the flipside, the property is currently listed for 1.25 million; I bought my house fo 35k (valued roughly at 100k or so at the moment). Considering the high price of the commercial property, any chance my value will go up or is this a killshot on my house's value? Clearly no one can predict what will go in there but I'm really out of grasp at how certain types of buildings affect your house's value. Furthermore, perhaps my value would go up as a commercial property if one were to be built across from me?

Calling all speculators! :-p
Discussion Deals
New Arrivals: Zadig & Voltaire - Black Sunny City Bag
Added on : Wednesday February 19th 2014 09:00:12 AM
Sunny City Bag by Zadig & Voltaire is crafted in supple leather with complimentary signature lining in a relaxed rounded form. Featuring a detachable shoulder strap, gold tone hardware, engraved round stud accents, two zipped gussets, double handles and signature metallic wings in front. Signature dust bag included.
g: 0 Posted By: MISTERCHEAP
Views: 157 Replies: 0 products included in the offer are Secret, Olay, Pantene, Herbal Essences, Aussie, Head & Shoulders, Covergirl, Vidal Sassoon, Clairol, Crest 3D White, Puffs, Safeguard and Ivory! Keep in mind that the $50 amount needed for the rebate applies AFTER coupons are deducted (not before).


http://cdn.pgeveryday.com/Assets/Modules/Editorial/HtmlContent/B...
Beauty Deals
Which credit card has the highest cashback on restaurant this quarter?
Added on : Tuesday February 18th 2014 09:00:11 PM
g: 0 Posted By: ussrfw
Views: 60 Replies: 2 Whether you need to enroll it manually?

Thanks.

Question Deals
ADRIANNA PAPELL Plus Plus V-Neck Sequin Top - $61.55 at LordAndTaylor
Added on : Tuesday February 18th 2014 04:00:05 PM
g: 0 Posted By: Ayla
Views: 185 Replies: 0 ADRIANNA PAPELL Plus Plus V-Neck Sequin Top - $61.55 at lordandtaylor


http://www.lordandtaylor.com/webapp/wcs/stores/servlet/en/lord-a...


WAS: $129.00

SALE: $64.50

Use Code: PRES - and get $12.90 Extra off

Shipping: $9.95


The extra discount more than pays for the shipping, and if you purchase $99+ you get FREE Shipping.


Shimmer with panache in this Plus-Size V-neck sequin top with deep back V-neck and split flutter sleeves.

Silk/cotton; lining: silk

Clothing Deals

Lord and Taylor Coupons
g: 0 Posted By: Ayla
Views: 23 Replies: 0 LAUREN RALPH LAUREN PLUS Plus Intarsia-Knit Hooded Poncho - (Size 1x & 2x only) - - $60.19 at lordandtaylor


http://www.lordandtaylor.com/webapp/wcs/stores/servlet/en/lord-a...


Was: $179.00


Sale: $66.99


Discount: $16.75


Shipping: $9.95


Enter Code: PRES, and save an additional $16.75


This stylish poncho from Lauren Ralph Lauren is designed with a cozy hood and features an intarsia-knit pattern at the front. The poncho has an attached hood, a functional drawcord at the right front, elbow-length sleeves with ribbed cuffs, a kangaroo pocket at the center front waist and an even-vented ribbed hem.

Viscose/nylon/wool
Hand wash
Imported
Wife getting Laid Off Tomorrow
Added on : Tuesday February 18th 2014 02:00:08 PM
g: 0 Posted By: trekwars2000
Views: 320 Replies: 7 She has been with her non-profit company 4.5 years and has gotten max raises with top marks each review and one promotion over the time period. She does have one write-up/coaching over the time period. She is currently in the company leadership program with a few others that the company was trying to develop into better leaders. Also, her company nominated her for a localRising Stars of Business and she was selected with a few others from the local area.On the drive home this afternoon my wife informs me that her work is eliminating her position and creating two new ones because they don't think only one people can do her job. They are not planning to transition her with the job change. The CFO and HR rep are having a meeting with her tomorrow morning to discuss "exit options". Needless to say this comes a bit out to left field not just to myself but to my wife as well.

My questions are to ensure that everything is done to protect her ability to get unemployment benefits while she transitions to a new job, to maximize her exit benefits and to ensure there was not a wrongful termination. With the fact that there are "exit options" on the table (I assume this is severance), I would think it should be a easy case for the NV DETR to approve an UI claim. Do you guys agree?

I know my company's severance policy is one week per year of service. Is this pretty standard in the profession environment? Should we expect the same for my wife; or more/less? Is this a negotiating point to begin with? Can she asks for severance without medical benefits (she can get them through my work)? I assumed she would just ask for the difference in monthly COBRA rate? Is there any key things she should or should not say tomorrow? We are debating having a lawyer in with her but I'm not sure we know anyone in the correct type of law field to quick turn an 8 am meeting tomorrow.

We are not implying wrong doing, but this is quite perplexing. Why is her work constantly rating her as a top performer, nominating my wife for local publication awards and putting her in a leadership class if they plan to make a "position change"? If it matters, her boss and others at work do know that we are actively trying to have a second baby. Again, I don't want to play a card that may or may not be there but my wife's old coworker was transitioned out of the job a few weeks after discovering she was pregnant with her 2nd.

Is there anything else we should know? Thanks
Question Deals
Golden Gate Bridge Fasttrak only
Added on : Monday February 17th 2014 08:00:12 AM
g: 0 Posted By: LAEVE
Views: 35 Replies: 0 I was in Marin County on business this weekend and crossed into San Francisco via the Golden Gate Bridge. The toll takers were discontinued last March so it is all automated now.

I'm in a rent car freaking out because there is no way to pay the $6.00.

Payment is now online for those of us without Fast-Trak. No additional charges over the $6.00.

One additional positive is that weekend daily parking at the Golden Gate Bridge park is only $5.00. Public transit service is available so it might be a cheaper option to park there instead of the San Francisco CBD.

Discussion Deals
g: -3 Posted By: SinbadS
Views: 794 Replies: 7 I applied for Anthem Bronze plan on Covered CA website in Dec. 2013 and was approved. I didn't pay their premium because I later decided to choose a Minimum Coverage plan from HealthNet that has a lower premium. My first question is can I apply for a 2nd plan without cancelling the 1st one. 2nd question is I found out I I was unable to apply for Minimum Coverage plan online. Is this true? I am over 30 but I qualify for an exemption for Minimum Coverage. I sent a paper application to Covered CA 3 weeks ago but I can't confirm the status of my application (heavy call volume, etc.) I was left with an option to apply directly to HealthNet for the same plan but with a higher premium (the same exact plan through Covered CA would be cheaper). Both are unsubsidized plans but still Covered CA is cheaper. If I apply directly and sign up with HealthNet and then realize Covered CA has approved I will then be stuck with one month premium payment with HealthNet coverage for my direct application. This would be the March coverage. Would Covered CA coverage be retroactive if approved and also cover March, which means I have to pay twice for March -- one mandatory pay for direct plan application and another for the Covered CA plan if I want to choose the Covered CA plan permanently, which is cheaper and makes sense in the long run although I have to pay twice for March? P.S. I sent my paper application to Covered CA on Jan. 24. My deadline to apply (send application) directly to HealthNet for the higher-premium coverage to start on March 1 is today (can be done by fax or email) by 11:59 PM. The difference in monthly premium is ~$25.
Discussion Deals
Free 2-year Github Micro plan - students only
Added on : Sunday February 16th 2014 05:00:06 PM
g: 0 Posted By: remick
Views: 171 Replies: 0 https://education.github.com/

Stop emailing code
The days of sharing source code by email and thumb drives are long gone. Using GitHub, it's a piece of cake to keep your team up to date with the latest changes to your code. Thanks to Gits powerful merge features, you don't even have to worry about overwriting someone elses changes.

Never lose your work
No need to worry about your dog eating your homework or your hard drive exploding. Your latest and greatest code is always available to you and your Collaborators on GitHub. Search through your history and easily revert to a known good state when you need to.

Stay organized
A GitHub Repository is a single place to go for everything related to a project. Keep tabs on new feature ideas and document known bugs using Issues. Discuss proposed changes inline with the code using Pull Requests. Organize your team and goals using Milestones.

Build a portfolio
Using public Repositories, you can build a portfolio of projects and show them off to potential employers. Who needs a resume when you can show what youve built?
Memberships & Services Deals
NJ Online Casino Discussion
Added on : Sunday February 16th 2014 11:00:07 AM
g: 0 Posted By: BrianGa
Views: 21 Replies: 1 As you may know if you live in NJ, the State authorized casinos to operate online. A list of approved sites are here. Play is restricted to NJ residents, which is achieved by various pieces of software which identify your location by searching your area for known wifi signals.

There are two angles that I see for FWF.

First are sign up bonuses and other promos. Most of the casinos (on the list in the link above) are offering sign up bonuses in the neighborhood of $10. Some of them can be withdrawn immediately. Otherwise a hand or two of blackjack is a good way to meet the wager requirement. There are also other promos, such as reimbursement if you lose a certain amount within your first days of playing. This can be useful if you take an aggressive betting approach, get reimbursement, and then be conservative to recoup your initial layout.

There are also periodically other bonuses. For example, on Feb 17, Borgata is offering a $51 bonus on a $50 deposit, which apparently must be wagered onslots, classic slots or progressive slots.

Second, there may theoretically be opportunities to earn credit card rewards on deposits. Many card issuers are not permitting deposits into online casinos. Others, I imagine, will classify it as a cash advance. This can be a thread where we share what works and what doesn't.
3.1 Phillip Lim Cobalt-Black Pashli Mini Satchel is crafted in textured and lizard embossed leather for an exotic update to a classic. Featuring detachable shoulder strap, double top handles, flap top with push lock closure, exterior zipper gussets to create a fan silhouette and internal zip pocket. Signature dust bag included.Special offers and rebates for Fujitsu LIFEBOOK® notebooks and Tablet PCs, STYLISTIC® tablets and mobile accessories.
g: 0 Posted By: MISTERCHEAP
Views: 181 Replies: 0 http://www.kmart.com/search=valentine's%20day?catalogId=10104&pr...
Gifts Deals

Kmart.com Coupons
Covered CA (Affordable Care Act) Dilemma
Added on : Saturday February 15th 2014 01:00:11 PM
g: 0 Posted By: SinbadS
Views: 109 Replies: 0 I applied for Anthem Bronze plan on Covered CA website in Dec. 2013 and was approved. I didn't pay their premium because I later decided to choose a Minimum Coverage plan from HealthNet that has a lower premium. My first question is can I apply for a 2nd plan without cancelling the 1st one. 2nd question is I found out I I was unable to apply for Minimum Coverage plan online. Is this true? I am over 30 but I qualify for an exemption for Minimum Coverage. I sent a paper application to Covered CA 3 weeks ago but I can't confirm the status of my application (heavy call volume, etc.) I was left with an option to apply directly to HealthNet for the same plan but with a higher premium (the same exact plan through Covered CA would be cheaper). Both are unsubsidized plans but still Covered CA is cheaper. If I apply directly and sign up with HealthNet and then realize Covered CA has approved I will then be stuck with one month premium payment with HealthNet coverage for my direct application. This would be the March coverage. Would Covered CA coverage be retroactive if approved and also cover March, which means I have to pay twice for March -- one mandatory pay for direct plan application and another for the Covered CA plan if I want to choose the Covered CA plan permanently, which is cheaper and makes sense in the long run although I have to pay twice for March? P.S. I sent my paper application to Covered CA on Jan. 24. My deadline to apply (send application) directly to HealthNet for the higher-premium coverage to start on March 1 is today (can be done by fax or email) by 11:59 PM. The difference in monthly premium is ~$25.
Discussion Deals
Jerome Dreyfuss Igor Yellow Shoulder Bag crafted in supple lambskin leather, is a temperamental tiny pouch. Featuring expandable zip gussets with leather tassels, embossed flap magnetic closure, adjustable shoulder strap, three interior pockets with card slots and gold tone hardware detail. Signature detachable flashlight and dust bag included. French design.Special offers and rebates for Fujitsu LIFEBOOK® notebooks and Tablet PCs, STYLISTIC® tablets and mobile accessories.
New Arrivals: Jerome Dreyfuss - Max Punk Splash Men»s Tote Bag
Added on : Saturday February 15th 2014 09:00:18 AM
Max Punk Splash Men»s Tote Bag is crafted in supple textured calfskin leather that is perfect for carrying weekly items during errands or an all around great bag for the weekend. Featuring adjustable canvas and leather strap, can be carried by the leather handles or over the shoulder, interior zip pocket and signature detachable flashlight and bottle opener. Signature dust bag included. French Design.
New Arrivals: Jerome Dreyfuss - Bobi Noir Shoulder Bag
Added on : Saturday February 15th 2014 09:00:18 AM
Bobi Noir Shoulder Bag is crafted in supple calfskin leather creating a seductive style full of practicality. Featuring embossed flap magnetic closure, three interior compartments with expandable sides, detachable crossbody chain and leather shoulder strap, detachable compact mirror and signature detachable flashlight and keychain. Signature dust bag included. French Design.
New Arrivals: MCM - Elda Crossbody Mini
Added on : Saturday February 15th 2014 09:00:18 AM
Elda Crossbody Mini is handcrafted in saffiano leather in a beautifully constructed two-tone minimalist style for sophistication and function. Featuring side gussets, solid brass hardware, signature logo plaque, flap magnetic snap closure, adjustable shoulder-strap and gold tone hardware and detail. Signature dust bag included.
New Arrivals: Moschino - Large Portable Home Tote
Added on : Saturday February 15th 2014 09:00:18 AM
Large Portable Home Tote from Love Moschino is crafted in printed linen fabric with an inviting red door. Featuring Zip closure, internal zip compartment, double handles, eco leather side gussets, embossed logo and polished light gold-tone hardware. Signature dust bag included.
New Arrivals: Valentino Garavani - Medium Shoulder Bag
Added on : Saturday February 15th 2014 09:00:18 AM
Valentino Garavani Medium Shoulder Bag is crafted from calfskin textured alce in an elegantly relaxed style. Featuring gold tone accents and hardware, chain with platinum finish stud detail, macro stud magnetic snap closure, triple gussets and internal zip pocket. Unlined interior. Made in Italy.
New Arrivals: Marc by Marc Jacobs - Sheltered Island Satchel
Added on : Saturday February 15th 2014 09:00:18 AM
Marc By Marc Jacobs Sheltered Island Satchel is crafted in textured leather in the line»s famous colorblocking with updated colors. Featuring top zip opening, double flat handles, removable shoulder strap, front signature logo plate, gunmetal and gold tone hardware. Adjustable snap side gussets.
New Arrivals: Marc by Marc Jacobs - Softy Saddle Large Hobo
Added on : Saturday February 15th 2014 09:00:18 AM
Marc By Marc Jacobs Softy Saddle Large Hobo is crafted in Prussian Blue textured leather in a clean lined, flat bottom hobo form. Featuring magnetic snap closure, detachable single handle and adjustable shoulder strap, front signature logo plate and gold tone hardware.
New Arrivals: Marc by Marc Jacobs - Hail To The Queen Elizabeth Satchel
Added on : Saturday February 15th 2014 09:00:18 AM
Marc By Marc Jacobs Hail To The Queen Elizabeth Satchel is crafted in color blocked resin finished supple leather with a perfectly practle structured shape. Featuring gusseted side leather belt detailing, zip closure, double rolled handles, adjustable crossbody strap and gold tone hardware.
New Arrivals: Giuseppe Zanotti - Camo Leather High-Top Sneakers
Added on : Saturday February 15th 2014 09:00:18 AM
Giuseppe Zanotti Camo Leather High-Top Sneakers are crafted in printed calfskin leather without laces for a style between an high-top and a slip on that sets them apart from the norm. Featuring gunmetal zip closure gussets on sides & back with leather pull accents, metal signature plate on top front center panel, leather lined interior and rubber outsole. Made in Italy.
New Arrivals: Giuseppe Zanotti - High-top Brown Leather Sneaker
Added on : Saturday February 15th 2014 09:00:18 AM
Giuseppe Zanotti High Top Brown Leather Sneakers are crafted in quality calfskin leather with signature zip gusset closure that gives these sneakers a distinctive look. Featuring contrast leather laces, silver tone zip closure gussets on sides & back with leather pull accents. Tonal logo patch on tongue, leather lined interior and rubber outsole. Made in Italy.
New Arrivals: Zadig & Voltaire - Sunny City Bag
Added on : Saturday February 15th 2014 09:00:18 AM
Sunny City Bag by Zadig & Voltaire is crafted in supple leather with complimentary signature lining in a relaxed rounded form. Featuring a detachable shoulder strap, engraved round stud accents, two zipped gussets, double handles and signature metallic wings in front. Signature dust bag included.
New Arrivals: 3.1 Phillip Lim - Cobalt-Black Pashli Medium Satchel
Added on : Saturday February 15th 2014 09:00:18 AM
3.1 Phillip Lim Cobalt-Black Pashli Mini Satchel is crafted in textured and lizard embossed leather for an exotic update to a classic. Featuring detachable shoulder strap, double top handles, flap top with push lock closure, exterior zipper gussets to create a fan silhouette and internal zip pocket. Signature dust bag included.
New Arrivals: 3.1 Phillip Lim - Polkadots Pashli Mini Satchel
Added on : Saturday February 15th 2014 09:00:18 AM
3.1 Phillip Lim Polkadots Pashli Mini Satchel is crafted in rich leather with polkadot calfhair accents for feminine texture. Featuring detachable shoulder strap, double top handles, flap top with push lock closure, exterior zipper gussets to create a fan silhouette and internal zip pocket. Signature dust bag included.
New Arrivals: 3.1 Phillip Lim - Nude Orange Pashli Mini Satchel Bag
Added on : Saturday February 15th 2014 09:00:18 AM
3.1 Phillip Lim Nude Orange Pashli Mini Satchel is crafted in shark embossed leather for a compact but powerful pouch. Featuring detachable shoulder strap, double top handles, flap top with push lock closure, exterior zipper gussets to create a fan silhouette and internal zip pocket. Signature dust bag included.
New Arrivals: 3.1 Phillip Lim - Color Block Pashli Mini Satchel
Added on : Saturday February 15th 2014 09:00:18 AM
3.1 Phillip Lim Color Block Pashli Mini Satchel is crafted in smooth and lizard embossed leather for a small but powerful pouch. Featuring detachable shoulder strap, double top handles, flap top with push lock closure, exterior zipper gussets to create a fan silhouette and internal zip pocket. Signature dust bag included.
New Arrivals: 3.1 Phillip Lim - Pashli Satchel
Added on : Saturday February 15th 2014 09:00:18 AM
3.1 Phillip Lim Pashli Satchel is crafted in richly textured leather and is an updated version of the classic in the Lim line. Featuring detachable shoulder strap, double top handles, flap top with push lock closure, exterior zipper gussets and internal zip pocket. Signature dust bag included.
New Arrivals: Jerome Dreyfuss - Roland Rouille Backpack
Added on : Saturday February 15th 2014 09:00:18 AM
Jerome Dreyfuss» Roalnd Rouille Backpack is crafted in goat skin leather for a well traveled relaxed feel. Featuring top zip closure, side tie gussets, canvas and leather adjustable straps, canvas strap detail on front and the signature detachable flashlight and bottle opener. Signature dust bag included.
New Arrivals: Jerome Dreyfuss - Vladimir Nude and Noir Tote
Added on : Saturday February 15th 2014 09:00:18 AM
Jerome Dreyfuss Vladimir Nude and Noir Tote crafted in nude calfskin leather and black goatskin suede, is a weekend carryall for city shopping or market musings. Featuring double handles, three compartments with center zip closure, removable cross-body strap, internal zip pocket and brass gold tone hardware detail. Signature detachable flashlight and dust bag included. French design.
New Arrivals: Jerome Dreyfuss - Jojo Nude and Noir Perforated Shoulder Bag
Added on : Saturday February 15th 2014 09:00:18 AM
Jerome Dreyfuss Jojo Nude and Noir Perforated Shoulder Bag crafted in calfskin leather with saddlebag style to hold all your essentials. Featuring flap closure with buckle detail and magnetic fastening, adjustable chain and leather cross-body strap, removable zip pouch pocket, inside mirror, internal zip pocket and brass gold tone hardware detail. Signature detachable flashlight and keychain. Signature dust bag included. French design.
Jerome Dreyfuss Momo Noir and Nude Shoulder Bag crafted in perforated calfskin leather, is a mighty versatile mini bag that goes from day to club. Featuring front flap closure that secures over removable snap pocket, three interior zip pockets with tassle accents, six card slots and mirror on inside flap. Gold tone hardware detail. Signature dust bag included. French design.
New Arrivals: Jerome Dreyfuss - Alain Yellow Leather Shoulder Bag
Added on : Saturday February 15th 2014 09:00:18 AM
Jerome Dreyfuss Alain Yellow Leather Shoulder Bag crafted in supple lambskin leather, is a versatile bag with soft lines. Featuring adjustable shoulder strap with three lengths, snap button and drawstring closure, three exterior zip pockets, one interior zip pocket and gold tone hardware detail. Signature detachable flashlight and dust bag included. French design.
New Arrivals: Jerome Dreyfuss - Carlos Nuts Leather Tote
Added on : Saturday February 15th 2014 09:00:18 AM
Jerome Dreyfuss Carlos Nuts Leather Tote crafted in soft calfskin leather, is a cleaver and alluring bag which has become a classic. Featuring retractable top handles, detachable shoulder strap, expandable zip gussets with leather tassels, snap closure, internal zipped pocket and gold tone hardware detail. Signature detachable flashlight and dust bag included. French design.
New Arrivals: Jerome Dreyfuss - Igor Yellow Shoulder Bag
Added on : Saturday February 15th 2014 09:00:18 AM
Jerome Dreyfuss Igor Yellow Shoulder Bag crafted in supple lambskin leather, is a temperamental tiny pouch. Featuring expandable zip gussets with leather tassels, embossed flap magnetic closure, adjustable shoulder strap, three interior pockets with card slots and gold tone hardware detail. Signature detachable flashlight and dust bag included. French design.
Contractor Demanding 2013 W-2
Added on : Friday February 14th 2014 05:00:07 PM
g: 0 Posted By: JohnnyBGood3
Views: 117 Replies: 4 I have a contractor who worked for me over the course of 1 month, earning a total of about $1300 over that time period. We agreed at the time she would be treated like a contractor, and paid much more than minimum wage. Legally, she likely met the requirements to be treated as an employee as she worked only on my premises using my tools, etc. Work ran out and I told her I didn't have any more hours for her and that ended our relationship as she wasn't good enough to bring back for more when work picked up again. Recently, I was gathering her SSN & Address to issue a 1099 (I'm pretty new at this, took me a while to get the hang of all the legalities.. I think it's much more complicated than it should be but that's another discussion). She avoided me at first and then asserted her right to be treated as an employee and demanded a W2. Now she won't return any communication.

Is there any situation where an onsite worker might be legally considered a contractor given the temporary nature of the work and short duration/low earnings? What kind of penalties would I be looking at if I try to get a W2 issued this late? I will be seeing an accountant about this but I want to be prepared for the meeting.
Personal Finance Deals
Why do people return foreign ids/passports?
Added on : Friday February 14th 2014 06:00:14 AM
g: 0 Posted By: itzcuzimuslim
Views: 3 Replies: 0 What's the point of this? What justification is given to consulate workers
Discussion Deals
Comprehensive auto insurance AND emergency fund?
Added on : Thursday February 13th 2014 07:00:10 PM
g: 0 Posted By: RunToday
Views: 63 Replies: 1 What's the point of paying a risk premium for comprehensive auto insurance if you can afford any repairs with your emergency fund?
Discussion Deals
FREE Internet Retailer Magazine free subscription @ Value Magazines
Added on : Thursday February 13th 2014 09:00:07 AM
g: 0 Posted By: puggle
Views: 166 Replies: 0 FREE Internet Retailer Magazine free subscription @ Value Magazines

http://www2.adoctopuss.com/scripts/offers.html?c=cD7UNP-p1-a47-h...
Magazines Deals

ValueMags Coupons
Xbox One Controllers: $49.99 @ Amazon
Added on : Thursday February 13th 2014 09:00:03 AM
g: 0 Posted By: tegeril
Views: 145 Replies: 0 http://www.amazon.com/dp/B00CMQTUSS/

First time I've seen them below $58 from Amazon.
Xbox One Deals

Amazon Coupons
Free Kindle Book- How to Knit Socks: The Easy Way (Learn How to Knit)
Added on : Thursday February 13th 2014 02:00:09 AM
g: 1 Posted By: remick
Views: 147 Replies: 1 http://www.amazon.com/How-Knit-Socks-Easy-Learn-ebook/dp/B00IBQN...

How To Knit Socks Quick and Easy

This book will teach you:

Sock knitting basics such as sizing and knitting test swatches
How to choose the correct yarns and needles for knitting your socks
Sock Cast-on techniques, such as, long tail cast on, Eastern/ Turkish cast on
How to knit socks from the top down
How to knit sock from the toe up
How to avoid the dreaded sock knitting gusset hole.
How to knit two socks at once using circular needles
This book also includes 1 basic sock pattern and 1 more advanced sock pattern for you to complete.
This book also includes a knitting glossary to help you understand common knitting jargon!

Get Started Right Now, Knitting Socks The Easy Way!!
Totally Free Deals
Is the Target breach going to make online transactions real pain?
Added on : Wednesday February 12th 2014 08:00:07 PM
g: 0 Posted By: PrincipalMember
Views: 99 Replies: 1 Won't name the merchant - but I am presuming must be a legit business - part of FatWallet CashBack and wasn't Target either.

I made a transaction - charged to my Amex HHonors - Declined.
Charged to Costo Amex - Declined.
Charged to Chase Freedom Visa - Declined.

I was beginning to wonder if it was a merchant processing problem. While on hold trying to call the customer service, noticed that both Amex and Chase had sent me emails for fraud alerts - all for a $120 transaction. Of these 3 cards, only 1 of them was used at Target during their data breach - so that particular card, maybe I understand - but the other two, I don't understand.

What should have been a less than 5 minute thing became a 20 minute thing since by the time I came back to the shopping card after validating all my cards, I suspect that the shopping card was stale.

[And the best American Express agent can say - "we are sorry". I used to love Amex - but no more - what is the point of a credit card with 20K limit when you can't even charge $120].
Discussion Deals
Xbox One Wireless Controller $49.99 & FREE Shipping at Amazon
Added on : Wednesday February 12th 2014 12:00:02 PM
g: 1 Posted By: ArtieLange
Views: 133 Replies: 0 Xbox One Wireless Controller $49.99 & FREE Shipping at Amazon

http://www.amazon.com/Xbox-One-Wireless-Controller/dp/B00CMQTUSS...


Trigger buttons with developer-customized rumble feedback-Precision Directional Pad-Supports Wi-Fi Direct Stack Radio
Over 40 improvements to the award-winning 360 Wireless Controller, without taking anything away from what you love
Newly designed D-pad is perfect for all types of game genres including sports, fighting, FPS, and more. Optimized for both directional and sweeping D-pad movements.
New wireless radio that enables faster data transfer to the console
Pick up and play. Kinect automatically recognizes who is gaming and which controller they are holding.

Xbox One Deals

Amazon Coupons
Dean Russo Canvas Art (From $44.99) @ Tanga
Added on : Tuesday February 11th 2014 05:00:05 PM
Dean Russo Canvas Art @ Tanga - From $44.99
Added on : Tuesday February 11th 2014 05:00:04 PM
g: 0 Posted By: Virgil27
Views: 210 Replies: 0 Dean Russo Canvas Art @ Tanga - From $44.99If you can't keep your four-legged friends off the couch and counter-tops, why not put them on the wall with this sale on Dean Russo animal prints from $44.99 from Tanga. (FatWallet Deal Hunter staff posts are certified ad-free. No money, bribes, or candy have been accepted.)
Home & Garden Deals

Tanga Coupons
Fort Lauderdale vacation
Added on : Tuesday February 11th 2014 04:00:14 PM
g: 0 Posted By: mochang
Views: 30 Replies: 1 Hey everyone,
My wife and I can't handle the cold anymore and booked a 4 day vacation, flying into Fort Lauderdale. We have never been to Florida and are looking for suggestions for where to base our stay. We haven't gotten the best impressions of Fort Lauderdale from the people we have spoken to. We are willing to stay in an area 2-3 hrs drive from the airport. We are looking for a neighborhood/area that

- Isn't crazy crowded and overrun by tourists
- We are mid-30's so not looking for the spring break crowd
- Don't really like strip malls, and kitschy stuff

We are looking to lie and swim on a beautiful beach, relax most of the day, have some drinks, eat good food and possibly do some sight seeing. Ideally the place would be close to the beach, in a small, cozy, quaint neighborhood.

Any suggestions of neighborhoods and things to do would be appreciated.
Thanks
Discussion Deals
g: 0 Posted By: Gauss44
Views: 150 Replies: 0 Eligibility:http://www.loc.gov/nls/eligible.html

Sign Up Here (if eligible): http://www.choicemagazinelistening.org/content/subscribe

Magazine Selection:http://www.choicemagazinelistening.org/content/source-list

I am personally a hospital volunteer. I figure that there are also other people on this forum who sign up for stuff, donate, or suggest these items to other people. (I personally donate a good deal of free magazines to my local hospital's volunteer office. Those magazines end up in waiting rooms and on book carts for inpatients.)
Books & Magazines Deals
Starting a Curbside Recycling Business: A Journal
Added on : Tuesday February 11th 2014 02:00:15 PM
g: 17 Posted By: behr
Views: 3569 Replies: 46 I wanted to chronicle the steps I took in fleshing out an idea to a business venture. Maybe it could provide entertainment or even education to others.

In advance I apologize for spelling/grammar errors and I'm pretty sure there will be some parts I don't elaborate on correctly because what I'm saying makes sense in my mind but not to someone unfamiliar with the situation.

I live in a rural FL county where curbside trash pickup is weekly, but if you want to recycle you have to take it to the county facilities, which are nothing more than three dumpsters in front of the city yard. I purchased several 32 gallon trashcans to keep my plastics and cardboard and whenever they are full I take them to the county facilities, rinse and repeat.

Full time job is insurance sales, specifically health. After March 31st open enrollment for Obamacare closes, my work position may shift to part-time, and I would like to find additional income streams.

12/26/13 -. Driving to work, while leaving my subdivision I notice hundreds of cardboard boxes out for the trash man and it makes me sad (140 houses in subdivision, each house has 5 or 6 boxes). Spend the 50 minute commute to work wondering if I could build a business out of curbside recycling.

12/26/13-01/26/14: Have been doing a lot of daydreaming about a part time curbside recycling pickup business, but it has gone nowhere. I am horrible about starting what my wife calls 'two week projects', just what they sound like. Get super into something, drop some cash or time in it, and nothing productive comes from it. (learning to play piano so bought electric keyboard, learning to play guitar so bought guitar, was talking about camping so bought sleeping bags {never used}, MANY more examples). I think this may be a two week project in the making so am leery of doing anything with it past daydreaming.

01/26/14-01/31/14: Decide to take a plunge and start figuring out what I would need to make this thing a reality. Set up a gmail account with the business name as well as a paypal account, vista print account, and facebook page. I start doing google searches to figure out the providers of recycling bins. Look up state and county rules.

01/31/14 - Present: Apply for and am approved for a business American Express, because one of the things I have learned from my research so far is that business spending from a personal account is a big no-no. Apparently 'piercing the corporate veil' can be done easier if you as an individual and the company spend from the same account. I get an AMEX first because all the business checking and savings accounts I have looked into require paperwork from the state showing the status of my registered LLC, which I do not yet have.

Complete and mail paperwork for the state. Very simple, two pages and a check for $130 (from personal account, no other way to pay it). ($125 file fee and $5 for a copy of the aforementioned status letter)

Develop a 7 question survey on survey monkey (free account currently) to gauge interest in a curbside recycling program.

Complete a sample postcard on VistaPrint. I will use the postcard to direct folks to 4 different ways to take the survey (direct to survey monkey, link on facebook to survey monkey, email for electronic copy, or mail to a po box for a hard copy.) I find a coupon code on FW for $5 off an order so the $3 sample order of postcards is free.

Receive sample postcards. Review them and change some wording, currently they look good.

Signed up for a PO Box, since at this point I would rather direct mail to that instead of home address. I know it would be very easy to find the real address from searching by the LLC name but only if folks take that step. 3 months costs $26.

Next two weeks: Upgrade survey monkey account. Currently only 100 responses are allowed on the free version. Upgrading for one month will cost $24 but will allow unlimited responses for my survey.

Order 500 postcards from VistaPrint (mentioned above) and distribute to selected neighborhoods (437 houses currently. one is 140 households, one is 130, there are several groupings of 10-12 duplexes, and several straight dead end streets that would be ideal for collection).

Purchase $50 WalMart Gift Card (this will be mentioned on the survey as a prize for one participant).

Run the survey for several weeks and then cancel the survey monkey. At this point I will decide whether or not the business is viable and move on from there.

FUTURE: What would collection look like? What would I collect with? How many bins would I order? What would pricing look like? Would I make any money? These and many more questions are completely unanswered, but for me currently there is a lot that would be spinning my wheels worrying about until I get a solid response from the survey. I am hoping for 20% response which would give me about 100 answers. No idea if that is realistic response rate or not.

Again I apologize for the fragmented and possibly incoherent setup of this post, but just thought it would be good to get this stuff down. Maybe I will make some mistakes people can learn from, and maybe I can give a little inspiration to someone on the site I am so often inspired by (but more often than not just waste my money on).

UPDATE as of 2/11/14: Got a domain that had free email so replace all mentions of the gmail account (facebook page, the survey, etc) with the new domain name branded emails.

Ordered the final surveys (again, 500 postcards to be distributed door to door [most likely IN peoples' door]).

Current expenses up to $242.46. (includes state LLC filing fee, postcards, an address stamp in case alot of folks want paper surveys, 1yr webhosting, and 3 months PO BOX rental)

Once the surveys arrive I will distribute them and wait several weeks for my 2 responses to pour in
Discussion Deals
g: 0 Posted By: remick
Views: 95 Replies: 0 http://www.amazon.com/Anatomy-Apple-Lessons-Steve-Taught-ebook/d...

Steve Jobs, a self taught college dropout, accomplished repeated business miracles. What did he do that MBA's, tech pundits and competitors repeatedly missed? Why are they in denial about it to this day?
90 days from bankruptcy, Apple welcomed home its founder in 1996. In just a few years, Steve Jobs accomplished the impossible - Apple was now a Trillion dollar juggernaut in Music, Books, SmartPhones, Tablets, Laptops and more. Learn the often overlooked, misunderstood or misrepresented lessons that made it all possible.

Meticulous myth-busting of major Technology history through surgical cross-examination!
Apple's tale of redemption and renewal powerfully conveyed through an engaging and unforgettable storytelling...
Fresh Business lessons about what it took for Apple to return from the brink of disaster from an experienced midwestern businessman!
˃˃˃ Anatomy of an Apple turns the abstract business concepts behind Apple's astounding comeback into easily digestible everyday business lessons.From start to finish, you will be treated to a feast of life changing anecdotes, piquant down and dirty myth-busting and utterly refreshing, setting-the-record-straight facts and figures. Anatomy of an Apple is an engaging and knowledgeable romp through technology history.

Anatomy of an Apple takes us on a thrilling journey through the highs and lows of Steve's fascinating life across several business eras, including Apple, NeXT, and Pixar.

˃˃˃ Anatomy of an Apple isn't another dispassionate attempt to examine Apple in the laboratory. We get right to the heart of the real people involved and discuss the real outcomes and motivations of their actions and decisions. We present our view of each lesson in whatever form that can most benefit people trying to be successful in life and business. Some chapters are vivid stories, some are detailed history lessons, and some are concise arguments against commonly held misconceptions.

˃˃˃ How these two entities, Steve the man, and Apple the company, healed each other. Ben Klaiber been a huge business fan of Steve Jobs for years. Steve's lessons helped keep him alive in both the literal and financial senses over the harshest years of his life. The lessons of Apple's comeback were invaluable to him, but the existing books just didn't convey the lessons he saw. After a decade of meticulous research, Ben decided to write a book on Steve's and Apple's comeback from his unique perspective.

In Anatomy of an Apple - The Lessons Steve Taught Us, we learn a very different story than the one told by the other books - how these two entities, Steve the man, and Apple the company, healed each other.
Totally Free Deals
g: 0 Posted By: Gauss44
Views: 6 Replies: 0 I had an acquaintance a while back who said that she had to file bankruptcy after having a dental emergency and no dental insurance. I'm truly puzzled by this because my research indicates that Delta Dental's high individual plan (which anyone can purchase, regardless of employer) costs about $600 a year for a maximum of only $1000 of coverage. Based on those numbers, "Why would anyone bother purchasing dental insurance?," I wonder.

In the meantime, I definitely need to see the dentist myself and currently have no dental insurance myself. I could easily purchase insurance but don't see the point. (Do you?) In addition to dental maintenance like cleanings, I may have trouble ahead given that my front teeth have minor cracks near the ends and one of them is getting a white spot on it. I'm truly puzzled as to whether or not I am overlooking a substantial reason to get dental insurance?.. As far as I can tell, I should just pay out of pocket and forget insurance. ("Pay $600 for the possibility of saving $400" doesn't make sense to me.)

Do you all have dental insurance? Why? Why not? Is there a better alternative to dental insurance?
Discussion Deals
A true Fatwallet trip !
Added on : Monday February 10th 2014 09:00:07 PM
g: 0 Posted By: drdisney
Views: 47 Replies: 0 Based off information I gathered from this forum over the past few months, In the next few weeks I will be going to Vegas Fatwallet style!
Here is my plans for a 3 day getaway.

Round trip ticket from LA to Vegas on Megabus $2.50
3 nights in a 6 bed dorm style room at Hostel Cat $36
3 day bus pass to cover all sights $20

Once I get there I plan on using coupons for meals and maybe a show. I will post all of my info and reviews once I get back. Thanks FW !!

Dr D

Discussion Deals
Free Rousseau Bottle Opener - FB 1st 1950
Added on : Monday February 10th 2014 10:00:15 AM
g: 1 Posted By: remick
Views: 180 Replies: 0 https://www.facebook.com/RousseauMetalInc/app_478550025561165
Totally Free Deals
Canon EF 50mm f/1.8 II Camera Lens - $99 w/ FSSS @ Amazon
Added on : Monday February 10th 2014 03:00:03 AM
g: 0 Posted By: ksenn
Views: 134 Replies: 0 Amazon has the Canon EF 50mm f/1.8 II Camera Lens for $99.00 with free Super Saver shipping. Must add to cart to see price.

50mm standard lens with f/1.8 maximum aperture
Traditional Gauss-type optical design is extremely sharp
Focuses as close as 18 inches for extreme close-ups, Auto-focus: Yes
Ideal for natural-looking shots; excellent color balance
Measures 2.7 inches in diameter; 1-year warranty

SLR & dSLR Deals

Amazon Coupons
First AOR. Tips and tricks from the pros are welcome
Added on : Sunday February 09th 2014 04:00:06 PM
g: 0 Posted By: nasheedb
Views: 104 Replies: 0 I have a decent chance of moving out of the country in the next few months, but in the meantime, I would like to do an AOR. Any tips and tricks from the pros are welcome as well as card suggestions

Goal: Earn as many bonuses as possible, whether they be cash, points or miles

Currently have the following cards:
Chase Blueprint - $500 CL. This card was downgraded from a Chase Continental card and the CL was re-allocated elsewhere. I have literally never used this card.
Chase AARP - $33,000 CL
Chase United - $20,000 CL
Citi Diamond - $4,800 CL
Citi Dividend Platinum - $24,000 CL
Barclays Sallie Mae - $15,000 CL
Barclays NFL Extra Points - $7,000 CL
Penfed Platinum Cash Rewards - $7,200 CL
Penfed American Express - $18,000 CL
AMEX Blue - $9,100 CL
USBank Cash+ - $11,500 CL
BOA Cash Rewards - $11,000 CL

Total CL: $161,100

Current Credit Score:
Credit Karma - 757
Credit Sesame - 762
Experian - 772

Here are the cards that I'm thinking of signing up for:

Citi AA Executive Card - 100k bonus miles, $200 statement credit, $450 annual fee
Chase Ink Bold - 50k bonus points
Barclays Arrival World - 40k miles
American Express SimplyCash - $250 statement credit
CapitalOne Venture Rewards - 20k miles (missed the 50k mile bonus, but 20k is still better than nothing)

Any other card suggestions? Any tips or tricks? My plan is to pull the trigger tomorrow. My priority is the Citi card, since that gives the best rewards.
Discussion Deals
Nature Made Vitamelts @ Walgreens free AC + salestax
Added on : Sunday February 09th 2014 11:00:12 AM
g: 1 Posted By: C320
Views: 120 Replies: 1 Walgreens has the Nature Made Vitamelts on sale this week for $4.99

Using imanemokid's $5.00 off coupon link here one should get it for free.

Afterall the coupon does state Walgreens on it.
Snacks Deals
Article: 10 Travel Mistakes That Will Ruin Your Life
Added on : Sunday February 09th 2014 05:00:10 AM
g: -3 Posted By: ablang
Views: 339 Replies: 3 http://www.airfarewatchdog.com/blog/17535071/10-travel-mistakes-that-will-ruin-your-life

Well, this article did give me a new lead on a TV show to binge-watch.
Discussion Deals
Employer refusing to give COBRA forms
Added on : Saturday February 08th 2014 06:00:12 PM
g: 0 Posted By: fasttimes
Views: 140 Replies: 2 A friend of mine recently got laid off. They told him they are downsizing but he thinks its due to his physical problems that are making travel difficult for him. They laid him off late Jan, and his doctor told him in early Feb his insurance was cancelled.

His former employer (who also doesn't seem to want to honor his contract and pay his severance) told him they won't give him the COBRA information until he signs some paperwork, which we assume is a general release of some sort.

Regardless of the first issues (possible ADA violation and breach of contract) the COBRA issue is unbelievable. He will probably have to lawyer up, but I wanted to ask if there might be a plausible reason for not giving him the COBRA forms.

Man I'm pissed.

Discussion Deals
Starting an LLC: A Journal
Added on : Saturday February 08th 2014 04:00:05 PM
g: 0 Posted By: behr
Views: 7 Replies: 1 I wanted to chronicle the steps I took in fleshing out an idea to a business venture. Maybe it could provide entertainment or even education to others.

In advance I apologize for spelling/grammar errors and I'm pretty sure there will be some parts I don't elaborate on correctly because what I'm saying makes sense in my mind but not to someone unfamiliar with the situation.

I live in a rural FL county where curbside trash pickup is weekly, but if you want to recycle you have to take it to the county facilities, which are nothing more than three dumpsters in front of the city yard. I purchased several 32 gallon trashcans to keep my plastics and cardboard and whenever they are full I take them to the county facilities, rinse and repeat.

Full time job is insurance sales, specifically health. After March 31st open enrollment for Obamacare closes, my work position may shift to part-time, and I would like to find additional income streams.

12/26/13 -. Driving to work, while leaving my subdivision I notice hundreds of cardboard boxes out for the trash man and it makes me sad (140 houses in subdivision, each house has 5 or 6 boxes). Spend the 50 minute commute to work wondering if I could build a business out of curbside recycling.

12/26/13-01/26/14: Have been doing a lot of daydreaming about a part time curbside recycling pickup business, but it has gone nowhere. I am horrible about starting what my wife calls 'two week projects', just what they sound like. Get super into something, drop some cash or time in it, and nothing productive comes from it. (learning to play piano so bought electric keyboard, learning to play guitar so bought guitar, was talking about camping so bought sleeping bags {never used}, MANY more examples). I think this may be a two week project in the making so am leery of doing anything with it past daydreaming.

01/26/14-01/31/14: Decide to take a plunge and start figuring out what I would need to make this thing a reality. Set up a gmail account with the business name as well as a paypal account, vista print account, and facebook page. I start doing google searches to figure out the providers of recycling bins. Look up state and county rules.

01/31/14 - Present: Apply for and am approved for a business American Express, because one of the things I have learned from my research so far is that business spending from a personal account is a big no-no. Apparently 'piercing the corporate veil' can be done easier if you as an individual and the company spend from the same account. I get an AMEX first because all the business checking and savings accounts I have looked into require paperwork from the state showing the status of my registered LLC, which I do not yet have.

Complete and mail paperwork for the state. Very simple, two pages and a check for $130 (from personal account, no other way to pay it). ($125 file fee and $5 for a copy of the aforementioned status letter)

Develop a 7 question survey on survey monkey (free account currently) to gauge interest in a curbside recycling program.

Complete a sample postcard on VistaPrint. I will use the postcard to direct folks to 4 different ways to take the survey (direct to survey monkey, link on facebook to survey monkey, email for electronic copy, or mail to a po box for a hard copy.) I find a coupon code on FW for $5 off an order so the $3 sample order of postcards is free.

Receive sample postcards. Review them and change some wording, currently they look good.

Signed up for a PO Box, since at this point I would rather direct mail to that instead of home address. I know it would be very easy to find the real address from searching by the LLC name but only if folks take that step. 3 months costs $26.

Next two weeks: Upgrade survey monkey account. Currently only 100 responses are allowed on the free version. Upgrading for one month will cost $24 but will allow unlimited responses for my survey.

Order 500 postcards from VistaPrint (mentioned above) and distribute to selected neighborhoods (437 houses currently. one is 140 households, one is 130, there are several groupings of 10-12 duplexes, and several straight dead end streets that would be ideal for collection).

Purchase $50 WalMart Gift Card (this will be mentioned on the survey as a prize for one participant).

Run the survey for several weeks and then cancel the survey monkey. At this point I will decide whether or not the business is viable and move on from there.

FUTURE: What would collection look like? What would I collect with? How many bins would I order? What would pricing look like? Would I make any money? These and many more questions are completely unanswered, but for me currently there is a lot that would be spinning my wheels worrying about until I get a solid response from the survey. I am hoping for 20% response which would give me about 100 answers. No idea if that is realistic response rate or not.

Again I apologize for the fragmented and possibly incoherent setup of this post, but just thought it would be good to get this stuff down. Maybe I will make some mistakes people can learn from, and maybe I can give a little inspiration to someone on the site I am so often inspired by (but more often than not just waste my money on).
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g: 0 Posted By: ArtieLange
Views: 87 Replies: 0 Aliens: Colonial Marines Collector's Edition $9.99 at GameStop

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Lending Club Prime
Added on : Saturday February 08th 2014 12:00:04 AM
g: 0 Posted By: lokimoki
Views: 18 Replies: 1 I see they've "upgraded" the Prime program (5K minimum, no added Prime fees). I've never invested with them. Any present subscribers or recommendations (or threads dedicated to Lending Club)? Thanks
Discussion Deals
My parked car got destroyed.
Added on : Friday February 07th 2014 03:00:20 PM
g: 1 Posted By: freebirdy
Views: 91 Replies: 1 Came home to see my 2013 Accord dragged from its parking spot by a truck. It probably happened few minutes before I arrived, honestly I have no idea how the truck pulled my car from its parking spot.

What I need to pay attention to? Anything important that I may have missed?

Here are the details:

The car is financed by honda financial, insured by Geico with $500 deductible. I have gap insurance. I bought the car in Jun'13.

The truck is rental, the cop came and said that he will put "RENTAL" in the insurance box. He wrote down the truck's driver license info. I'll have a police report on Monday (and I need to pay $10 for it).
The cop called a tow away company and they took the car to their shop. Most likely my car is totaled, the truck was stuck and they caused a lot more damage when the cop directed the truck's driverto pull away from my car.

Pictures: http://imgur.com/a/FAG56

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g: 0 Posted By: MrsGuin
Views: 3 Replies: 0 Use code FEB15 for extra10% off.
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g: 0 Posted By: C320
Views: 133 Replies: 0 Target has the 90 ct 1000mg Nature Made Fish Oil Softgels on sale for $5.00

$5.00 off manufacturer's coupon can be found here. Thanx imanemokid.

My Target also had the 100 ct 1200mg Nature Made Fish Oil Softgels on sale for $5.09

All you have to pay is salestax or $0.09 + salestax depending on which one you get. Make sure you look at the expiration date on the bottle.

YMMV as the coupons beeped at the register and showed as expired even so the date on them is 3/1/14. Cashier overrode and accepted.
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Docker's Mens Outwear Sale @ Sears - $29.99 - $41.99
Added on : Friday February 07th 2014 10:00:07 AM
g: 0 Posted By: SieSilverStars
Views: 0 Replies: 0 Docker's Mens Outwear Sale @ Sears - $29.99 - $41.99
buy online pickup in-store 
    (FatWallet Deal Hunter staff posts are certified ad-free. No money, bribes, or candy have been accepted.)
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Dockers Mens Outerwear Sale $29.99 - $41.99 P/U @ SEARS
Added on : Friday February 07th 2014 09:00:12 AM
g: 1 Posted By: iLetTheDogsOut
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How to Easily Track Credit Card Applications?
Added on : Friday February 07th 2014 12:00:08 AM
g: 0 Posted By: snimi1
Views: 82 Replies: 0 I've been churning a lot in the past few years and it's been a pain to track all applications (including my wife's).
I looked around and except for excel sheet templates I found a website doing so called myccapp.com.
Anyone tried it?

I'm kind of reluctant to give my email before I hear any feedback.
Any other recommendations?
Discussion Deals
Any opinions on Gigwalk for extra income?
Added on : Thursday February 06th 2014 06:00:07 PM
g: 0 Posted By: lowpricewanted
Views: 4 Replies: 0 I am looking into Gigwalk after seeing it on ABC news today. It looks like you apply for gigs to go to stores and take pictures of shelf displays or count some inventory. I downloaded the app from Google play but to even get in you need to give GPS access. They do use your location to verify the pictures you take so you can get paid.

There is one gig near me that has you go in and count the floor inventory in a mattress store. They say it will take less than an hour and pay you $30. When I see that kind of pay it almost feels like a scam.

http://gigwalk.com/
Discussion Deals
ways of business financing
Added on : Thursday February 06th 2014 06:00:07 PM
g: 0 Posted By: rowanjames
Views: 9 Replies: 1 Hey guys need your suggestion. How can i finance my business.Tell me the way of finance business.



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30 Miles/$ at FTD with AA or United Shopping... In time for V-Day
Added on : Thursday February 06th 2014 11:00:02 AM
g: 0 Posted By: vanheve2
Views: 13 Replies: 0 Many of us need to waste some money in the next few weeks, might as well get something out of it.

United

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Roller Coaster Clubs
Added on : Thursday February 06th 2014 09:00:28 AM
g: 0 Posted By: WideOpenSpaces
Views: 6 Replies: 0 Does anyone belong to a Roller Coaster club strictly for the benefits of getting into amusement parks for free on select days (typically media days and special events)?
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Foreign pension and Social Security.
Added on : Wednesday February 05th 2014 10:00:11 AM
g: 0 Posted By: Michka
Views: 104 Replies: 3 My relative has been gainfully employed in this country for over 20 years, paid taxes and was a law abiding citizen. Now that she has turned 66, she applied for her Social Security (not SSI, the pension that she earned). Today she received a letter from SS that because she is receiving her Russian pension, her Social Security is being cut by almost half. Questions: has anyone dealt with this type of situation and how; and can someone recommend where she can look for help or an attorney who is proficient in such cases.
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Buying a house with un-permitted additions
Added on : Wednesday February 05th 2014 05:00:17 AM
g: 0 Posted By: dk240t
Views: 77 Replies: 3 I was about to put in an offer to buy a house that has a finished basement that was done without electral/plumbing permits. The remodel was done over 10 years ago. Going by the property record and what the current home features are, there may be other remodels done without permit (bathroom number inconsistent, even ignoring the basement).

What is your experience buying a house with remodels/finishing done that should have been permitted/inspected, but was not. Issues closing? Issues with insurance not covering things? Recommended way to resolve (ignore, get inspected, etc.)?

The state is Georgia.

YANML. I am contacting a lawyer to discuss the details, liability, resolution, etc., especially considering all real estate issues are local. Anything you think I should specifically bring up with the attorney? Anyways, I am seeking professional help, but want to survey if FWF has useful experience.
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CVS to DISCONTINUE the sale of all TOBACCO Products
Added on : Wednesday February 05th 2014 05:00:17 AM
g: 0 Posted By: MISTERCHEAP
Views: 76 Replies: 0 http://www.silive.com/news/index.ssf/2014/02/no_cigarettes_at_cv...
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Go Bank Rejects Mobile Check Deposit
Added on : Tuesday February 04th 2014 07:00:07 PM
g: 0 Posted By: burgerwars
Views: 108 Replies: 0 I don't use my Go Bank account much, so I mobile deposit a small dividend check from CBS Corp drawn off of Wells Fargo Bank. They sent me an email saying they rejected the check because of Certegy. They won't even try to negotiate it. CBS isn't going to write rubber checks. Stuff like this, along with three week holds to deposit other checks, makes me warn people about this service.
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g: 0 Posted By: ArtieLange
Views: 252 Replies: 0 Kenneth Cole Reaction Over The Port Haul Colombian Leather Flapover - EXCLUSIVE $99.99 shipped at eBags

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g: 0 Posted By: ArtieLange
Views: 216 Replies: 0 Kenneth Cole Reaction Double Play - Leather Laptop Portfolio $99.99 free shipping eBags

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

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

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

pineconesresearch.com is the domain, not much in the whois, phone number 202-688-8936, check came from a tina avila, 459 Country Club Rd, Newnan, GA 30265, with the name Jinni B Redmond on the fake cashiers check.
Discussion Deals
Book: Dr Seuss Green Eggs and Ham $4.50 @ Toysrus
Added on : Tuesday February 04th 2014 01:00:07 PM
g: 3 Posted By: Vn33
Views: 232 Replies: 2 Regularly: $8.99
Link
Good until 3/1/14

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g: 0 Posted By: DaysFan
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g: 2 Posted By: remick
Views: 260 Replies: 1 http://www.amazon.com/Android-x86-Introduction-Optimizing-Archit...

Android on x86: an Introduction to Optimizing for Intel
Architecture serves two main purposes.
First, it makes the case for adapting your applications onto Intels x86
architecture, including discussions of the business potential, the changing
landscape of the Android marketplace, and the unique challenges and
opportunities that arise from x86 devices.
The fundamental idea is that extending your applications to support x86
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Second, and most importantly, this book provides a one-stop
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code, hardware acceleration, and advanced profiling of multimedia applications.
The authors have collected this information so that you can use the book as a
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This book is not dedicated solely to code; instead it is
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Google Play Free Song of the Day - Searching by Roy Ayers
Added on : Tuesday February 04th 2014 06:00:11 AM
g: 0 Posted By: remick
Views: 33 Replies: 0 https://play.google.com/store/music/album?id=Bydnfetcx3grsqgtami...
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100W LED Outdoor Flood Light $69.99 Newegg Free Shipping
Added on : Monday February 03rd 2014 01:00:04 PM
g: 0 Posted By: toussi1
Views: 167 Replies: 0 Newegg has 2 types of 100W LED Flood lights

$69.99 with Free Shipping (cheaper than eBay and Amazon by at least $10!)

You use these outdoors or indoors for security or backyard lighting - pretty much anywhere you want to light up

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Chex Systems -- What is it and are there any worries?
Added on : Monday February 03rd 2014 12:00:10 PM
g: 0 Posted By: debentureboy
Views: 93 Replies: 1 I recently decided to get a free copy of my Chex Systems report. It shows some interesting things and begs some questions. Is there a CS expert in the house?

Similar to other reports, they've got 8 addresses for me, all but two of which are twists and flips of where I've really lived. Really, guys? You can't get apartment 2078 right? (shows up as ap, ap 2, #2...)

I've had 15 inquiries in the last year. That's all they gave me -- the last year. I assure you I've had the habit much longer than a year. Their own guidance says that my record can be pulled back as long as 10 years (for negative stuff) and they keep and report for 3 years on non-negative stuff (such as inquiries)... Why only give me the last year? I called (SORRY!!!!) and they said that was all they had on me. Again, I assure you I've had the habit much longer than a year. Is this the result of the CS equivalent of B*? There were several accounts that I opened in the last year that did not show up -- a regional Southwest bank, BBVA Compass are a few that I opened, but don't see an inquiry for. Anyway, I called and asked about only a year of data and the CS rep (India?) said that was all they had on me. OK!

I have 8 non-derogatory records. I wonder what that means? They tell me to write my request down, mail it to them and they'll forward it to Lexis-Nexis. I may do that after a few more checking account bonuses... IF I get some spare time. Zero derogatory records, just in case anyone was curious.

They tell me I've ordered one set of checks in the past three years (and it was about 3 years ago). Hmmm... that must mean the stacks of checks I received from Chase don't actually exist. I'll be sure and share that with Chase next time I see them.

Inquiries seem to come in two types, similar to credit inquiries -- initiated by me (seems to count more), initiated by others (pre-approved offers and the like). Just like hard / soft credit pulls, they say the "soft" inquiries do not affect my score nor are they visible to future providers. Some of my recent prepaid debit card providers did a pull, many did not. Some of the prepaids that have savings accounts associated with them did not make an inquiry. Interesting.

Some banks pulled for every account opened -- savings, checking, CD. Others did one pull for several accounts.

I have a "wealth index" of 4 on a scale of 0 to 6. They tell me this is based on water craft, aircraft and property asset records (Cars were not listed. I don't get credit for driving a decade old Buick?????). I'm guessing the FWF crowd is often mis-represented on THIS scale! The "big hat, no cattle" guys shine here!

They will kindly provide me with my CS score for the low-low price of $10.50. I hope they will take a (rubber) personal check ;^) I'll get a check in the mail to them and report back here.

SO.... I'm really most interested in getting a collection of real examples of AA that anyone's had from too many CS inquiries. (I'm not too interested in AA as a result of overdrafts, write-offs, etc... but if you feel compelled to share, post away!). (I've recently had Simple Bank deny me an account due to too many CS inquiries, so I know that can happen...) Can too many CS inquiries result in AA from other providers? (existing accounts)

Anything I'm missing on the whole CS process?

Thanks in advance!





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g: 0 Posted By: nickradack
Views: 142 Replies: 0 Just in time for Valentines day engagements....

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Chase "account verification" robodial
Added on : Monday February 03rd 2014 04:00:09 AM
g: 0 Posted By: Alexsoccerboy
Views: 48 Replies: 0 If it weren't the fact someone in my family told me that they received the same call yesterday, I probably wouldn't bother to post this.

Received robodialed "unknown" call. Voice prompted me to verify my "Chase Mastercard Debit Card"(which I don't own). Google tells me this one has been around for a while, so it doesn't seem specifically new or targeted(no pun intended). Still, same geographic region within 24 hours of each other(two different carriers, one prepaid one post) is a bit much of a coincidence to think activity isn't picking up.

I'm sure none of you would fall for this, but thought I'd give a heads up so you can all pass the word at the water cooler to your less savvy friends.
Discussion Deals
Sears.com Midnight Madness online only | ends monday 7am cst
Added on : Sunday February 02nd 2014 04:00:08 PM
g: 0 Posted By: DaysFan
Views: 224 Replies: 0 online only | ends monday 7am cst
http://www.sears.com/

Extra 5% offGrillsMowersLeaf Blowers & VacuumsTractorReclinersFurniture GalleryShaw Rug GalleryHot Tubs & SaunasCountertop MicrowavesCompact FridgesWine CoolersExtra 10% offMattresses over $599Auto Parts & AccessoriesPatio Furniture & Outdoor DcorFine JewelryFitness & Sporting GoodsSelect Toy BrandsExtra 15% offAir Compressors & Air ToolsLift EquipmentWet Dry Vacs & AccessoriesWrenches
Midnight Madness. Online Only at Sears.com. Extra 5 - 15% off select categories. No in store price matching permitted, applies to items sold by Sears. Includes grills, fitness & sporting goods, mowers, leaf blowers & vacuums, tractor attachments, recliners, furniture gallery, Shaw Rug Gallery, hot tubs and saunas, fine jewelry, patio furniture & outdoor decor, fitness & sporting goods, mattresses over $599, auto parts, accessories and batteries, air compressor & air tools, lift equipment, wet dry vacs & accessories and wrenches. Excludes hot buys, clearance, closeouts, special purchases, everyday great price items, hot buys, Online Only Pricing. innovative items, dynamic priced items, introductory offers, outlet store purchases. catalog orders, items sold by Kmart and marketplace, lighted patio, watches, tires, wheels, auto services, crib mattresses, bed frames, water beds, stain protection and mattresses subject to additional points. Excludes Brands: Agio, Kenmore Elite grills, Sealy EBUYS, Brogan Select, Glen Abbey,Maddox, Serta Perfect Night, Ross, Chambers, Hutchinson, Willowcrest, Ashley, Keynes, Cary, Meriden, iComfort, iSeries , True Energy & Tempurpedic. Stamina, Avari, Kettler, Teeter, StairMaster & Brunswick, Commute Mate, Lloyd Mats, CalTrend, Arm-Restler, BedBag, Beams, Rightline Gear, Budge, Heads Up, Custom Accessories, Race Ramps, Stromberg, Dash Designs, Seat Designs, Endura, The Shade, Silver Shield, Back Country, Tekstyle, Newark Auto, Husky Liners, Rocky Mountain Radar, Wagan, Nordic, Avery's Floor Mats, Curt, T-Max, Westin, Fey, Wade, Rhino-Rack, DeeZee, Lund, Bednet, Auto Ventshade, Hatchie Bottom, Covercraft, LeBra, Original Dash Mat, Premier, Accutire, Michelin, Park Zone and HitchMate, Offers ends Monday 2/3 7am CST
Appliance Deals

Sears Coupons
g: 0 Posted By: puggle
Views: 114 Replies: 0 Target Buy four Select 29.2-oz. Aussie, or 13.5- or 14.2-oz. Head & Shoulders shampoo. FREE $5 Target GIFTCARD
http://weeklyad.target.com/san-diego-ca-92108/pages?code=Target-...
Hair & Skincare Deals

Target Coupons
accrued interest - tax question
Added on : Saturday February 01st 2014 07:00:09 AM
g: 0 Posted By: xerty
Views: 31 Replies: 0 Let's say I lend money to a business, and the interest compounds / accrues over time until some agreed repayment date far in the future. For example, I lend $100 at 10% interest, and in 5 years I expect to get paid $161.05 (=$100 * 1.1^5), so my $100 principle and another $61.05 in interest. In particular, during the first 4 calendar years I will accrue some interest, but not receive any payments. Assume both the lender and borrower are cash-basis taxpayers, and that there's no present concerns about collectability of the debt. Then,

1. when does the lender report the interest on his taxes?
2. when can the borrow take an interest expense deduction?

My best guess presently is that both 1 & 2 happen each year for the amount of the accrued interest, despite the fact that nothing has been paid out (again, barring doubtful debt issues). I found some discussion of this here:

http://www.journalofaccountancy.com/Web/20091558.htm

but would welcome other opinions or confirmation. Thank you!
Tax Deals
FoxConnect Coupon: 50% Off 3D, Collection & Regular Blu-rays Sitewide
Added on : Friday January 31st 2014 09:00:07 AM
g: 0 Posted By: slervik
Views: 326 Replies: 1 FoxConnect is having a sale for 50% Off Sitewide. Use coupon code "BOOM" during checkout to receive discounted price.

3D Blu-ray Notables:

Avatar Limited 3D Edition- $12.99
Rio- $12.99
Ice Age 3: Dawn of the Dinosaurs- $12.99
I, Robot- $12.99
The Chronicles of Narnia: The Voyage of the Dawn Treader- $12.99
Abraham Lincoln: Vampire Hunter- $15.99


Blu-Ray Collection Notables:

Alred Hitchcock: The Classic Collection- $19.50
Alien Anthology- $22.50
Rocky Heavyweight Collection (Pre-Order)- $19.50
Alvin & the Chipmunks 1, 2, & 3- $10.99
Firefly: The Complete Series- $12.99


Blu-ray Notables:

Cast Away- $4.99
Date Night- $4.99
Drum Line- $4.99
Edward Scissorhands- $4.99
Dr. Seuss Horton Hears a Who!- $4.99
I Love You, Beth Cooper- $4.99
John Tucker Must Die- $4.99
Joy Ride- $4.99





View Entire List


Movies Deals
g: 0 Posted By: slervik
Views: 136 Replies: 0 FoxConnect is having a sale for 50% Off Sitewide. Use coupon code "BOOM" during checkout to receive discounted price.

3D Blu-ray Notables:

Avatar Limited 3D Edition- $12.99
Rio- $12.99
Ice Age 3: Dawn of the Dinosaurs- $12.99
I, Robot- $12.99
The Chronicles of Narnia: The Voyage of the Dawn Treader- $12.99
Abraham Lincoln: Vampire Hunter- $15.99


Blu-Ray Collection Notables:

Alred Hitchcock: The Classic Collection- $19.50
Alien Anthology- $22.50
Rocky Heavyweight Collection (Pre-Order)- $19.50
Alvin & the Chipmunks 1, 2, & 3- $10.99
Firefly: The Complete Series- $12.99


Blu-ray Notables:

Cast Away- $4.99
Date Night- $4.99
Drum Line- $4.99
Edward Scissorhands- $4.99
Dr. Seuss Horton Hears a Who!- $4.99
I Love You, Beth Cooper- $4.99
John Tucker Must Die- $4.99
Joy Ride- $4.99




View Entire List


Movies Deals
g: 0 Posted By: remick
Views: 75 Replies: 0 http://www.amazon.com/Breville-presents-Coffee-Design-USA-ebook/...

In Coffee by Design, culinary science expert Harold McGee shares his thoughts on the essential elements to crafting the perfect coffee, while The Joy Of Coffee author Corby Kummer explains why milk is not always a four-letter word to those who love coffee. In addition, the eBook digs into the heritage of the Aussie coffee scene and taps into our inner baristas for replicating cafe recipes at home.
Totally Free Deals
g: 1 Posted By: NantucketSunrise
Views: 30 Replies: 0 It was a valiant effort by this journalist to try to opt out of having her data collected by data brokers --

but it's an impossible task that often spreads around more private information about oneself than it reins in, and the brokers whowill agree to delete your entrysimply wait a few months and republish your info anyway --which I learned the hard way a few years ago (but at leastthere weren't92+ of these companies then!), and I described it on FW at the time.

Anyway,a journalist haspublished an up-to-date, potentially-useful spreadsheet of 92 data brokers which might be handy for folks here, either to try to opt out from having their own data collected, OR to try to find data on other people....

http://www.propublica.org/article/privacy-tools-opting-out-from-data-brokers
Discussion Deals
PS3 Game Controller in RED $12.95 at Newegg Free Shipping
Added on : Thursday January 30th 2014 02:00:02 PM
g: 0 Posted By: toussi1
Views: 4 Replies: 0 Good deal on a PS3 game controller in RED - might not be the best color, but at that price who cares. Looks like it maybe decent quality.
PS3 Red Controller - NewEgg.com
Free Kids Swim Ring
Added on : Thursday January 30th 2014 12:00:06 PM
g: 4 Posted By: bongolo
Views: 154 Replies: 0 Free swim ring on FB: https://www.facebook.com/tenplusservice/app_190322544333196
Toys, Games,& Collectibles Deals
Samsonite Xenon 2 Top Loader Lap Top Bag $59.49 + Free Shipping @ eBags
Added on : Wednesday January 29th 2014 02:00:04 PM
g: 0 Posted By: cheapmtn
Views: 296 Replies: 0 Samsonite Xenon 2 Top Loader Lap Top Bag @ eBags.com on sale for $69.99, but take another 15% off with coupon code SSTX209 to bring price down to $59.49 + free shipping.
http://www.ebags.com/product/samsonite/xenon-2-top-loader-2-gusset-pfttsa/241013?productid=10207692
Laptops Deals

eBags Coupons
Starwood: Spin to win SPG points, free nights or a Vegas VIP weekend
Added on : Tuesday January 28th 2014 10:00:13 AM
g: 0 Posted By: sauceisboss
Views: 44 Replies: 0 Link

No purchase necessary. You get 3 spins a day through Feb. 7.
Discussion Deals
g: 1 Posted By: NantucketSunrise
Views: 73 Replies: 2 Normally around this time of yearI wonder if there is a Chase checking bonus offer, and I generally find them on FW, but tonight I've seen one discussedon other sitesthat has not been mentioned so far on FW.

I won't link to any competing site/blog, but I hope that it's okay to link to the Chase$150 webpage offer which appears to be a direct/free link that I've seen tonight in multiple places- I don't intend to put in any sort of indirect link:
https://www.chase.com/ccp/index.jsp?pg_name=ccpmapp/shared/marketing/page/241985_get150&ID=0000016073&jp_cmp=rb/AABrandDesktopMBM/sea/na/chasecoupons&MSC=IQ52648198-VQ2-g-VQ15-3t1-VQ16-c

There is apparently a $200 version that expires in Feb which some bloggers seem to be giving out by PM - I don't know anything about that sinceI've just begun to look into the Chase offer situation, but I thought I'd throw in a mention of that possibility here.
Deal Deals
g: 0 Posted By: idfubar
Views: 205 Replies: 0 RingPlus (Sprint MVNO) has announced a new plan ("Kate" - $1.99/mo.) which will be available on 2/10 @ 8AM PST:

50 domestic minutes
10 domestic & international SMS

Although many FW members probably have something suitable for their needs it's worth noting that (given the time/effort involved with moving a CDMA phone from one carrier to another and the way in which some of the MVNOs come and go) RingPlus does offer free plans from time to time... Telna and LycaMobile are GSM solutions and Ting seems to be more compelling only given heavier usage across more devices...

PS: The two most helpful threads for details on low-price mobile plans on FW in the last couple of years are (IMHO):

http://www.fullofdeals.com/forums/deal-discussion/1222004/
http://www.fullofdeals.com/forums/deal-discussion/1130399/
Cell Phones Deals

Sprint Coupons
What drives success?
Added on : Sunday January 26th 2014 01:00:10 PM
g: 0 Posted By: monohydr4te
Views: 80 Replies: 0 http://www.nytimes.com/2014/01/26/opinion/sunday/what-drives-suc...

three qualities that drive success. Thoughts?
Discussion Deals
Walgreens Feb Savings book is out
Added on : Sunday January 26th 2014 10:00:05 AM
g: 0 Posted By: LORENW
Views: 89 Replies: 0 Feb savings book is out on the racks

Unfortunately, this one does NOT have the list of coupons with page #, so not as easy to use as normal


Discussion Deals
Tax Planning Strategies, 2014
Added on : Sunday January 26th 2014 07:00:06 AM
g: 2 Posted By: EricGo07
Views: 179 Replies: 3 FatWalleters,It is the season to think about taxes even more than usual; and specific to this thread, tax planning. I thought it might be informative to read stories of how people reduce their tax burden(s). Im personally less interested in those that pick up receipts off the floor at drugstores or other fraud games, and more interested in legal long-term tax reduction strategies. No doubt, circumstances differ and what works for one person will not work or be available to another. Even so, being able to consider is that something I could do too? is worthwhile.A note about SS: I have posted in another thread the mechanics behind SS payback. Please refrain from discussing general SS opinions in this thread, although I completely understand if a person embarks on strategies to reduce SS payments. Im one of them, since I have passed the second inflection point.



My strategies are for small business operations. Summary of the 2013 tax year:
~ 225 - 250k income + Roth conversion
Total taxes (SS+Fed+State) ~ 7,500 all SS

My business is organized as an LLC and taxed as an S-corp. My wife and I are the employees.The business had the following expenses that reduced pass-through profit:
1. Defined Benefit pension plans for each of us. This year > 100k contributed
2. 401(k) contributions to each of us as 6% of W-2 wages
3. Travel expenses (reportable amount is ~ 3x actual cost)
4. Health reimbursement account (HRA)
5. Accounting/Actuary costs ~ $3000
(1-5) cancel fed, state, and SS.

6. 401(k) employee contribution for each of us
7. IRA contributions for each of us.

The mojo behind the final tax liability is a combination of the defined benefit (DB) plan and W-2 wages calculated to be as low as possible to cover our home, and income requirements of the DB plan.Going forward, I plan to manipulate my AGI so that the maximum tax savers credit can be utilized to convert IRA savings to Roth without cost. My low combined W-2 has the additional benefit of maximizing my federal ACA credit for health insurance.
Tax Deals
Whether CapitalOne Credit Card do hard pull to add a additional user?
Added on : Saturday January 25th 2014 03:00:07 PM
g: 0 Posted By: ussrfw
Views: 54 Replies: 0 CapitalOne Credit Card requires SSN to add a additional user, whether they will do hard pull on credit report of that SSN?
Thanks.

Credit Deals
Possible data breach at Michaels stores
Added on : Saturday January 25th 2014 03:00:07 PM
g: 0 Posted By: ach1199
Views: 77 Replies: 1 Here we go again....deja vu for Michaels.

http://www.usatoday.com/story/money/business/2014/01/25/michaels-retailer-credit-card-breach-reported/4895123/

FW threadon 2011 data breach at Michaels.



Discussion Deals
Banks that allowd Smartphone Money-Order deposits
Added on : Saturday January 25th 2014 08:00:08 AM
g: 0 Posted By: tedteddy
Views: 82 Replies: 1 Which banks allows Money Order deposits via smartphone? If known, mention caps/limits


Allow MO deposits via Smartphone:
Simple

Do not allow MO deposits via Smartphone:
SunTrust
Chase
Fiserv-based credit unions
Discussion Deals
g: 0 Posted By: slavik
Views: 97 Replies: 0 http://www.bbc.co.uk/news/business-25861717

I assume H&B is an acceptable reason for withdrawal.

Discussion Deals
g: 0 Posted By: remick
Views: 72 Replies: 0 http://www.amazon.com/Diabetic-Eye-Disease-Diabetes-understand-e...

5.0 out of 5 stars (8 customer reviews)

Millions of people go blind from diabetes. Make sure you're not one of them. In this book, award-winning ophthalmologist, writer and educator, Dr. David Khorram serves as your guide, giving you the knowledge you need to keep your vision for a lifetime.
This easy to understand guide begins with a description of how the eye works and how diabetes causes damage, not just in the eye but throughout the body. Dr. Khorram then discusses the stages of diabetic retinopathy, as well as other diabetic related problems such as cataracts, fluctuating vision and double vision. Dr. Khorram goes on to explain the types of doctors that provide diabetic eye care, the details of the eye exam, and an overview of special eye tests that you may need to evaluate diabetic eye disease. A separate section discussed treatment of diabetic eye disease, including laser treatment, surgery, and the use of revolutionary new drugs such as Avastin which can stabilize and even reverse vision loss. Finally, Dr. Khorram touches on issues related to control of diabetes and other health problems that can play a major role in helping you prevent blindness.

"An outstanding book for people with diabetes and their families."
~John T. Thompson, MD, President, American Society of Retina Specialists
Books & Magazines Deals
How to approach asking for a raise?
Added on : Friday January 24th 2014 09:00:12 PM
g: 0 Posted By: packers9626
Views: 48 Replies: 0 2 year anniversary at the company is coming up, not really happy with where I am at money wise, but I do like the company and they like me a lot. Already been promoted, I already consider myself strong in my new role with limited experience. Backed up by performance reviews which are all exceptional. There is a lot of weakness in the dept. I need a jump in salary and will move to a competitor if necessary, but I do like where i'm at. If I am treated well monetarily, no reason I couldn't be a 10+ year employee.

A few questions:

1- I just state I am not happy with my compensation, dont throw out a specific demand, correct? I plan on mentioning the salary range for my specific position listed on glassdoor (I am significantly under the range listed).

2- Is the dog and pony show of discussing my performance with them necessary? I was planning on a 1 on 1 meeting with my direct supervisor in a conference room, mostly for privacy. I know she likes me and I would prefer just to be forthright with no BS.

3- Direct supervisor is the correct person to discuss this with correct? I know she will need to get approval from the dept head and maybe HR prior to giving me a raise.

Any general advise would be great too. Thanks

Discussion Deals
Outback Steakhouse Coupon on JANUARY 26, 2014
Added on : Friday January 24th 2014 10:00:08 AM
g: 0 Posted By: TomPtz
Views: 353 Replies: 3 Celebrate Australia Day with FREE food for all Honorary Aussies (this means you!) - Thanks, Australia!*FREE APPETIZER OR DESSERT FOOD OFFER. WHEN YOU PURCHASE ANY ITEM YOU WILL RECEIVE YOUR CHOICE OF ANY APPETIZER OR DESSERT ITEM FREE ON JANUARY 26, 2014 ONLY. Valid with coupon only. One coupon per table, per visit. Coupon valid at participating Outback Steakhouse locations on Sunday, January 26, 2014 ONLY. Offer not valid for Curbside Take-Away. Offer not valid in conjunction with any other discount, coupon or offer and has no cash value. Offer valid while supplies last. Coupon must be surrendered upon redemption. Distribution of this coupon belongs exclusively to authorized representatives of Outback Steakhouse of Florida, LLC and/or its affiliates. Outback strictly prohibits the reproduction of this coupon in any form or the sale or exchange of it in any forum. Coupon will not be replaced if lost or stolen. Prices, product participation and restaurant hours may vary by location. Void where prohibited by law.

**Prices, product participation and restaurant hours may vary by location.

OutbackCoupon
Restaurants & Entertainment Deals
g: 0 Posted By: DaysFan
Views: 215 Replies: 0 Free 2 pc plaid duffle bag set with any order while supplies last. We reserve the right to substitute an item of equal or greater value. One gift per order.Excludes items shipped directly from the merchant, costumes, items from Reebok, Aerosoles, BrylaneHome, Plus Size Living, eBags, fragrances, Avenue.To purchase an additional bag set use item# 54-15950-123 at $34.99.
May not redeem for cash or combine with other offers. .
Excludes International Shipping

.Expires 02/4/14

code: WW92661Standard Shipping $5.99


http://www.womanwithin.com

16.5" x 8.5" x 14.25" satchel with dual zip top, zip pockets, reinforced handles and feet

10.25" x 6" x 7" cosmetics train case has a dual zip top, handle and inside mirror

http://media.plussizetech.com/womanwithin/mm/0054_15950_mm.jpg


Luggage Deals

Woman Within Coupons
Graco FastAction Fold Classic Connect Stroller - $79.99 w/ FS @ Meijer
Added on : Friday January 24th 2014 09:00:09 AM
g: 0 Posted By: chapmanra2013
Views: 152 Replies: 0 meijer has the Graco FastAction Fold Classic Connect Strolleron sale for $99.99 - $20 promo code "LEXI" = $79.99 with free shipping.

Multi-position reclining seat lies flat for baby's comfort
Convertible 3 or 5-point harness grows with your child
New one-second, single-step fold
Lightweight, sturdy frame
Front swivel wheels with suspension provide superior maneuverability
Extra-large storage basket holds your travel essentials
Parent's tray with storage and 2 deep cup holders for on-the-go convenience
Child's tray with cup holder pivots or removes for no-fuss stroller entry
Weight capacity: 50 lbs

Baby Deals

Meijer Coupons
sears.comTGIF! 1-Day Sale preview + Doorbusters + Extra 5%-15% off
Added on : Friday January 24th 2014 08:00:12 AM
g: 0 Posted By: DaysFan
Views: 262 Replies: 0 http://www.sears.com
TGIF! 1-Day Sale preview + Doorbusters + Extra 5%-15% off
doorbusters online 7AM - 3PM CT | in store 9AM - 1PM local

online & in store | ends saturday
Extra 5% offKenmore AppliancesFitness & Sporting GoodsGrillsLine TrimmersMowersLeaf Blowers & VacuumsToys & Outdoor Play


Extra 10% offTractor AttachmentsPatio Furniture & Outdoor DcorMattresses over $599Auto Parts & Accessories


Extra 15% offOuterwear for the familyActivewear for the family

https://responsys.hs.llnwd.net/i2/responsysimages/sears2/2014_Week_51_SubDocs/20140124SWWK51F_Hero/2014024_SRS_OneDaySale_03_05_02.jpg


Day Sale Extra Savings Event. Online Only at Sears.com. Extra 5 - 15% off select categories. No in store price matching permitted, applies to items sold by Sears. Includes grills, fitness & sporting goods, tractor attachments, mowers, leaf blowers & vacuums, toys & outdoor play, mattresses over $599, patio furniture & outdoor decor, auto parts, accessories & batteries, fine jewelry, clothing, tools, bench power tools, cordless power tools, lift equipment and mechanic's tool sets. Excludes hot buys, clearance, closeouts, special purchases, everyday great price items, hot buys, Online Only Pricing. innovative items, dynamic priced items, introductory offers, outlet store purchases. catalog orders, items sold by Kmart and marketplace, tires, wheels, services, watches, lighted patio, crib mattresses, bed frames, water beds, stain protection and mattresses subject to additional points. Excludes Brands: Agio, Kenmore Elite grills, Commute Mate, Lloyd Mats, CalTrend, Arm-Restler, BedBag, Beams, Rightline Gear, Budge, Heads Up, Custom Accessories, Race Ramps, Stromberg, Dash Designs, Seat Designs, Endura, The Shade, Silver Shield, Back Country, Tekstyle, Newark Auto, Husky Liners, Rocky Mountain Radar, Wagan, Nordic, Avery's Floor Mats, Curt, T-Max, Westin, Fey, Wade, Rhino-Rack, DeeZee, Lund, Bednet, Auto Ventshade, Hatchie Bottom, Covercraft, LeBra, Original Dash Mat, Premier, Accutire, Michelin, Park Zone, HitchMate, Sealy EBUYS, Brogan Select, Glen Abbey,Maddox, Serta Perfect Night, Ross, Chambers, Hutchinson, Willowcrest, Ashley, Keynes, Cary, Meriden, iComfort, iSeries , True Energy & Tempurpedic.. Offers end Saturday, 1/25, 11:59 PM CT.
Home & Garden Deals

Sears Coupons
Catwalk Curl Collection Curlesque Strong Mousse - $7.99 @ Groupon
Added on : Friday January 24th 2014 06:00:15 AM
g: 0 Posted By: ksenn
Views: 198 Replies: 0 Groupon has Catwalk Curl Collection Curlesque Strong Moussefor $7.99 with free shipping on purchases over $19.99. Usually retails for $14.95, and Catwalk products are pretty good quality.
Beauty Deals

Groupon Coupons
g: 0 Posted By: mpattdu
Views: 94 Replies: 0 It's that time of year again...flooring sale time at Costco!
Normal price is $79.99 (up $10 from last year) with $20 instant rebate making it $59.99/box. This sale price reflects an increase of$0.31/sqft compared to last year but still seems like a good deal. You get 28.98 sqft per box. Item# 586620. Sale ends 2/23/14. Tax is on pre-rebate price.

There was a pretty good discussion about this stuff last year. Here is the archived thread(thanks UMMATI). Here is the website for the flooring.If anyone put this stuff in I'm interested to hear how you like it.
Home & Garden Deals
What's the best FREE e-tax filing site?
Added on : Thursday January 23rd 2014 08:00:11 PM
g: 0 Posted By: swampwiz
Views: 114 Replies: 0 My line 22 income is only $13K, so I think I qualify for free filing from just about any site. Anyway, I don't care for a baroque system that asks a bunch of questions such that I would need to figure out how to answer it to correspond to what I have input into my tax form. What I would really like to do is to have a site that would allow me to simply upload the filled out forms as PDF files, which I have already done. I would simply print out those forms and mail them myself, but I will be going abroad in early February for a long time, and the 1099 form from my IRA custodian will not be generated until mid-February; I am pretty sure I know what all the numbers will be, but I would like to wait, just in case (especially since I want to get the exact account number & custodian ID that is on the 1099 form, and I don't trust Buffy there to tell me. ) To make things more complicated I have an IRA distribution & corresponding rollover that straddles the years (i.e., distribution in 2013, and hence included in the 1099 forms, and the corresponding rollover in 2014, and hence NOT included), so I need to be able to send a special message to go along with the form, and so whatever system I use would need to allow me to do this; I have a sinking suspicion that this is an oversight for a lot of e-tax systems. I would simply print this out myself after verifying the information on the 1099 form, but I don't want to worry about using the unreliable postal service of the country I will be in (Russia), and the consulate there that I could use does not accept such forms.
Question Deals
g: 1 Posted By: americanfreedom
Views: 352 Replies: 0 I searched FW and did not locate this offer posted anywhere else so hope this is not redundant.

The Toll Roads (Southern California) is getting rid of the stop-and-pay-cash-when-going-through-the-toll-booth option. They are offering $10 in The Toll Roads credit when you sign up for a FasTrack or Express account. There are four options available:

FasTrack: You get a transponder. Charged a $2 monthly maintenance fee. Requires a minimum of a $30 deposit into your account at sign-up.
Express Account - Prepaid: No transponder. You prepay the card and it is debited each time you drive on a toll road. No monthly maintenance fee assessed but you must add a minimum of $30 to your account when you sign up.
Express Account - Charge: No transponder. You give them your credit card number and they charge it each time you drive on a toll road. No monthly maintenance fee assessed. Does not require any upfront money paid when signing up for an account.
Express Account - Invoice: No transponder. They bill you monthly by email or postal mail and you send in payment or pay by credit card, etc. $2 monthly invoice fee assessed. Does not require any upfront money paid when signing up for an account.

I signed up through this linkand saw a $10 credit immediately displayed in my account.

For existing or new The Toll Roads members considering signing up for a new Orange County Register newspaper subscription, you might want to sign up through this linkinstead which will give you $50 in The Toll Roads credit. That page also details a Costco deal on transponders as well as a deal with Albertsons and The Toll Roads.
Discussion Deals
g: 0 Posted By: Kattah
Views: 183 Replies: 1 Meinl Percussion MB400CHE RAPC (Radial 5 Ply Construction) Wooden Bongos 6-3.4-Inch and 8-Inch - High Gloss Cherry
$86.13 shipped.

These are going on Flea Bay for $189
Music Deals

Amazon Coupons
'Philadelphia law school price war'
Added on : Thursday January 23rd 2014 02:00:08 AM
g: 3 Posted By: tuphat
Views: 154 Replies: 0 Villanova Law: 3 yrs free tuition
Penn State: $20k annual discount
http://www.thefacultylounge.org/2014/01/philadelphia-law-school-...
Discussion Deals
Citi ThankYou Rewards Bonus Center Closes
Added on : Wednesday January 22nd 2014 05:00:06 PM
g: 0 Posted By: Medikit
Views: 160 Replies: 0 https://www.thankyou.com/offersPoints.jspx
Citibank said: It has been our pleasure providing you with additional ways to earn ThankYou Points through the Bonus Center. Due to limited usage, we have made the decision to close the Bonus Center program. ThankYou Rewards will continue to focus our efforts on delivering the best rewards program experience, while developing new and exciting ways for our Members to use their points. All points earned from purchases made through the Bonus Center will be distributed to your account by April 30, 2014.

This is referring to the Bonus Center where you could earn additional points by navigating to a listed website via their homepage. This is unfortunate, they had a few good offers every year.
Discussion Deals
Up to 75% off Boots at Charlotte Russe
Added on : Wednesday January 22nd 2014 05:00:04 PM
g: 0 Posted By: jessicadabears
Views: 245 Replies: 2 Up to 75% off Bootsat Charlotte Russe. Shipping adds $6.99 or is free on orders over $65. Prices start at $9.99!Expires 1/24.

Here are a couple notable deals:
Spiked Lace-up Combat Boot - $10.63
Sherpa Lined Motorsycle Bootie- $19.49
Shoes Deals

Charlotte Russe Coupons
Evolve Money Billpay: Use debit card to pay billers
Added on : Wednesday January 22nd 2014 01:00:13 PM
g: 0 Posted By: larryc
Views: 226 Replies: 2 Just came across this: Evolve Moneyis a free bill paying service that lets you use the following to pay over 10,000 billers that don't normally accept credit/debit cards:

Visa or MC Debit cards
Visa or MC Gift Cards
Reloadit cards
Evolve Paybucks


Billers seem to include common utilities (electric, gas, water, cable, etc), mortgages, loans, and insurance co's. No, before you ask, you can't use it to pay other credit cards. (Darn!)

If you have a debit card that gives CashBack, this seems like a great opportunity to earn Cash Back that otherwise wouldn't be available. Also seems like a nice way to cash out those rebate gift cards for small amounts.

Couple of negatives though:
- I don't see any way to schedule future payments. You pay a bill; they send it in two days (a few billers offer express pay, which is same day). But there's no way to schedule
- After the recent Target data breach, we should all be wary of sharing our debit card information. Think carefully about which (if any) debit card you want to share with this service

PR release here.


Discussion Deals
Need advice for Rolling over pension into IRA
Added on : Monday January 20th 2014 09:00:13 AM
g: 0 Posted By: dealgain
Views: 102 Replies: 3 Hello FWF
I have a small pension plan account from a previous employment that shows ~18k if I were to go for a lump-sum payment. In the basic discussions with the plan administrator, I was told there will be a 20% tax deducted upfront if I were to ask for cash payment. The other option was to roll over into a qualified retirement plan with no such tax. Ive asked them to start the withdrawal process (which they told me would first send me a packet of documentation..later I call them and go over with them for filling up the paperwork and make selections on what type of retirement plans etc.). As of my call last week they said, at this point the earliest payout date is April 21 2014 because of the workload they have in their office (provided I return back the paper work to their office in 10 business days). I think this was too much of a lengthy time but didnt complain much.
The only reason I want to withdraw is: In the past five years it has grown on an average of $500 a year. I felt this is too little of a growth.
Im looking to FWF advise on this approach: What would be my best qualified retirement account that I can roll over to at this point and is there some sort of a lock-in period before I can withdraw from there as a lump-sum (Im guessing this route has only 10% upfront taxes in the form of early withdrawal penalty so I would be saving half of the upfront taxes) And in the meanwhile the money is sitting in the IRA, I can invest that in the safest vanguard or schwab ETFs?

Please help me find out What are the things I am missing.
TIA
Investing Deals
FAR (Free After Rebate): What's the catch?
Added on : Monday January 20th 2014 08:00:09 AM
g: 0 Posted By: siliconbd
Views: 316 Replies: 6 How are the companies benefitted from FAR items? Are the consumerslosing somehowbuying FAR items?
Please post your views on this.
Discussion Deals
g: 2 Posted By: Tuba2
Views: 444 Replies: 7 Modell's has the Denver Broncos Peyton Manning Adult Home Game Jerseyfor $100 - $20 coupon code "MLK20DY" = $80.00 with free shipping. Here'sSeattle Seahawks Russell Wilson Jerseyfor the same price . Gotta be fair.

Tailored fit designed for movement
Screen printed names and numbers
No-tag label for clean comfort
Strategic ventilation for breathability
Woven jock tag at front lower left
TPU (Thermoplastic Polyurethane) shield logo at V-neck
Machine washable
Officially licensed by the NFL
Clothing Deals

Modell's Coupons
Dr. Seuss Horton Hears a Who! (DVD) - $2.99 @ Amazon
Added on : Monday January 20th 2014 06:00:15 AM
g: 0 Posted By: chapmanra2013
Views: 198 Replies: 1 Amazon has Dr. Seuss Horton Hears a Who! (DVD) on sale for $2.99 with Free Super Saver Shipping on orders over $35.

DVD Deals

Amazon Coupons
g: 2 Posted By: Tuba2
Views: 223 Replies: 1 Modell's has the Denver Broncos Peyton Manning Adult Home Game Jerseyfor $100 - $20 coupon code "MLK20DY" = $80.00 with free shipping. Here'sSeattle Seahawks Russell Wilson Jerseyfor the same price . Gotta be fair.

Tailored fit designed for movement
Screen printed names and numbers
No-tag label for clean comfort
Strategic ventilation for breathability
Woven jock tag at front lower left
TPU (Thermoplastic Polyurethane) shield logo at V-neck
Machine washable
Officially licensed by the NFL
Clothing Deals

Modell's Coupons
Family member's pension was invested into a Ponzi scheme
Added on : Saturday January 18th 2014 07:00:09 PM
g: 0 Posted By: calisoldier83
Views: 79 Replies: 0 My mother was working as a transcriber for a Doctor's office since 1984. She became fully vested in the pension plan (profit sharing) six years later. Her employer's pension plan was (supposedly unknowingly) involved in a Ponzi scheme (similar to Madoff's). Being one of the first investors, all the people who invested after him are suing him for the money they never received as part of the scheme.

When trying to contact the company that administers the pension, they refer all calls back to my mom's employer.

She had close to $100K in the pension. They filed a claim with the employer's attorney, but he has been unresponsive.

It doesn't appear there is much recourse. The following actions have already been taken:

-She sent a formal claim for benefits which was returned refused (certified mail).
-My parents contacted the Dept. of Labor, but they can't get involved until the lawsuit against her boss is settled.
-A contact at the Dept. of Labor attempted to reach out to the boss, but he differed all questions to his lawyer.

Her boss has been known to file fraudulent insurance claims and do some pretty deceiving things over the course of her employment, so this was no surprise. I wanted to post on here in case anyone has anyone had recommendations or suggestions. My parents don't have any money saved up to hire a lawyer, which might be useless at this point anyways.
Discussion Deals
travel to malaysia,Kaula lampur
Added on : Saturday January 18th 2014 11:00:05 AM
g: 0 Posted By: salmanseoo
Views: 43 Replies: 0 hi, everyone, Kuala Lampur is the best travel place in Malaysia? Actually i don't know about Kuala lampur.I visited Singapore.
Discussion Deals
g: 0 Posted By: dmlavigne1
Views: 101 Replies: 0 If you are unable to harvest tax losses and have assets with substantial gains, you have probably looked in to donating that asset to charity. You can donate the asset at FMV and take the write-off for the whole amount.

EX you paid $10 for a stock that is now worth $20. You donate it and get to write-off $20 without paying gains on the $10.

This has always been a cool option but managing the logistics of the transfer, if the institution takes the asset, etc makes it a pain in the rear and generally not worth the hassle. I use Fidelity as a broker and the adviser recommended http://www.fidelitycharitable.org/which is Fidelity's charitable arm. The following are pro's and con's that I have found

Pro's:
Tax deduction is taken at the time of the grant to the fund and not when distributed to the organization, great for end of the year deductions.
Donations carry through the tax free status for growth.
They sell the assets and send the charitable organizations cash.
Partial integration with Fidelity for information, etc.

Con's:
Minimum of $5000 to start
.65% yearly fee, but prorated by the day so if you don't keep assets in there long, it is nominal.


Is there anything else I am missing or does anyone have any experience with these types of programs?


Discussion Deals
g: 0 Posted By: MISTERCHEAP
Views: 63 Replies: 0 HEADS UP!!

Look for the $5 off 5 Kraft items coupon in the new REDNERS PA Flyer! Stacks with some great sale prices.

MUST BUY 5 in one order, and use the coupon in the flyer to pay net prices shown in title.

Kraft Shreds/Chunk/Crumbles 7-8oz bags 2 for $4 (2 for 2 ac)

Claussen Pickles 20-32oz $3.18 ($2.18 ac)

Kool Aid Jammer Drinks 10 pack $1.88 (88cents)

Kraft Singles or Cracker Barrel $2.50 ($1.50)

A1 Steak Sauce $2.99 ($1.99)


ALSO STEWARTS ROOT BEER (and other flavors) 5 packs for $10 (4 bottles per pack)
Dairy Deals
Amazon up to 50% off men's active wear
Added on : Saturday January 18th 2014 02:00:03 AM
g: 0 Posted By: puggle
Views: 201 Replies: 0 Amazon up to 50% off Men's active wear
http://www.amazon.com/gp/search/ref=pe_164610_112064060_pe_r_ecg...
Clothing Deals

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

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

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


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


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

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

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

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

Tax Software Deals

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

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

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


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


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

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

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

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

Tax Software Deals

Amazon Coupons
g: 0 Posted By: MISTERCHEAP
Views: 63 Replies: 0 https://docs.google.com/document/d/1zixZpKiYqkBQvQAGe7db16vT1Zli...

Thanks naturemade/1DollarOrLess sdThanks didie @wuc for typeups

ECB DEALS
$10 ECB wyb Estroven 28-40 ct. or i-cool 30 ct. $10 Limit 1Free

$5 ECB wys $20 OR $10 ECB wys $30 on the items listed: Limit $10*98% rule does not apply
Tide liquid 19-32 loads $5.94
Charmin Ultra Soft or Ultra Strong Bonus size 20 pk. $9.99
Bounty paper towels 12 pk. $9.99
Dawn 9 oz, Puffs pop-up 96 ct. or Puffs Plus tissues 48-68 ct. $0.99
Duracell alkaline AAA, AA pk., C, D 4pk., 9-volt 2 pk. or Quantum AAA, AA 6 pk. $5.99
ALL CoverGirl Cosmetics (excludes clearance items) (BOGO 50% OFF)
Pantene shampoo, conditioner 12.6 oz or styler 5.7-11.5 oz 2/$7
Select Secret, Old Spice or Gillette apdo (BOGO 50% OFF)
Herbal Essences or Aussie 10.1-13.5 oz or styler 6-14 oz (excludes Herbal Shine collection) 2/$6
Clairol Nice'n Easy, Root Touch Up or Natural Instincts hair color 2/$12
Gillette Fusion ProGlide razor 1 ct. or Fusion disposables $9.99
ALL Pampers Jumbo Pk. $8.99
Coke 2 liter bottle $0.99

$3 ECB wys $10 on the products listed: Limit 1
Hellmann's mayonnaise 22-30 oz 2/$6
Bertolli or Ragu pasta sauce 15-24 oz 3/$5
Lipton tea 10-100 ct. 2/$6

$3 ECB wys $10 on the listed listed: Limit 1
Maxwell House Master Blend Original, Wake Up or French Roast coffee 29.3-30.6 oz $6.99
Maxwell House instant coffee 8 oz $3.99, Maxwell House instant decaf coffee 8 oz $4.99
Kraft mac & cheese, Velveeta Skillets 9-14 oz, Hidden Valley or Kraft dressing 16 oz 2/$5
Lipton tea or Maxwell House coffee single serve cups 12 ct. $5.99

$5 ECB wys $20 OR $10 ECB wys $30 on these items: Limit $10*98% rule does not apply
Planters peanuts 16 oz 2/$6
Doritos 10-11 oz oz (excludes Baked) or Tostitos 9-13 oz 2/$5
Pepsi 12 oz cans 12 pk. 3/$11
Lipton tea 20 oz, Gatorade 32 oz or Sobe lifewater 20 oz 5/$5
Rockstar 12-16 oz, Starbucks Frappuccino 9.5 oz, DoubleShot 6.5 oz, Refreshers or Iced Coffee 11-12 oz $1.99
Starbucks Frappuccino or DoubleShot 4 pk. 2/$10
Pringles 5.64-6.75 oz, Chex Mix, Gardetto's or Combos 5.5-8.75 oz $1.49
Red Bull energy drink 4 pk. 2/$12
Kickstart 16 oz $0.99
Mars Chocolate King Size 1.77-3.63 oz or Godiva bar 1.5 oz 2/$3
Mars Chocolate Fun Size 6 pk. 3/$3
Mars Chocolate Singles 1.08-1.92 oz $0.79
Dove Promises 8.5-9.5 oz, Mars Minis, Snickers Fun Size or M&M's 9.9-12.6 oz 2/$6
Mars Chocolate pouches 6-8 oz 2/$5
5 Gum 3 pk. 2/$5
Orbit gum 14 ct. $0.99
Hershey's pouches 8-10.5 oz, Kit Kat or Reese's Snack size 10.5-10.78 oz 2/$6
Oreo, Lorna Doone 10-15.35 oz, Belvita 8.8 oz, Chips Ahoy or Nilla Wafers 9.5-13 oz 2/$6

$1 ECB wyb (3) Hershey's Valentine Kisses or miniatures 8-8.5 oz 3/$8 Limit 1

$3 ECB wys $10 on ANY American Greetings products Limit 1
My Valentine Bear $5.99 or 2/$10

$5 ECB wyb PayPal MasterCard or netSpend Visa reloadable PrePaid Debit Card Limit 1

$5 ECB wyb (2) Enfamil, Similac or Gerber Good Start 21-.5-23.2 oz (excludes Almentum, Nutramigen or Prosebee) $24.99 Limit 1

$5 ECB wys $15 on ANY L'Oreal Cosmetics (excludes clearance items) Limit 1

$5 ECB wys $15 on ANY Physicians Formula Cosmetics (excludes clearance items) Limit 1

$5 ECB wys $15 on ANY Maybelline Cosmetics (excludes clearance items) Limit 1

$5 ECB wys $15 on ANY Dove, Caress or Lever products listed:Limit 1
Dove Advanced Care apdo 2.6 oz 2/$10
Dove Body Wash 12-24 oz, cream oil lotion 13.5 oz, shampoo, conditioner 12 oz, styler 7-9.25 oz, Dove, Caress, Lever bar 6-8 pk or Caress body wash 12 oz

$1 ECB wyb (2) Select Right Guard Body Wash or Deodorant 2/$6 Limit 1

$3 ECB wys $10 on ANY Nivea products: Limit 1
Nivea body wash 16.9 oz or scrub 12 oz $4
Nivea lotion 16.9 oz or creme 6.8 oz (excludes good-bye cellulite and firming Q10)

$4 ECB wys $12 on ANY Suave products: Limit 1
Select body lotion 10-18 oz 2/$6 (other items I can't read, will update later)
Suave body wash 12 oz 2/$4

$2 ECB wyb (2) Dial, Tone body wash 16-18 oz or Dial bar 8 pk. 2/$8 Limit 1

$4 ECB wys $10 on ANY CVS Shaving items (excludes clearance items) Limit 1

$3 ECB wyb ANY Schick Cartridges (excludes clearance items) Limit 1

$4 ECB wyb (3) Axe shower gel 18 oz, body spray, apdo (excludes travel sizes), ALL Axe shampoo or Conditioner 3/$13 Limit 1

$10 ECB wys $30 on Pantene Expert, Fekkai or Toni & Guy (excludes clearance items) Limit 1

$5 ECB wys $15 on these items: Limit 1
TRESemme Premium 25 oz, treatments or Dove Advanced Care 2/$10
TRESemme 32 oz or styler 8-11 oz (excludes 25 oz) $4

$10 ECB wyb ANY Crest 3D Whitestrips (excludes clearance items) Limit 2

$5 ECB wys $10 on ANY Listerine, Reach or Rembrandt items (excludes clearance items) Limit 2

$2 ECB wyb Colgate Total 4-4.2 oz or 360 toothbrush $2.99 Limit 2

$2.25 ECB wyb Crest Tartar Protection 16.9-33.8 oz, Pro-Health 500ml or Clinical rinse 16 oz $3.99 Limit 2

$2.50 ECB wyb Crest 3D White Brilliance, Sensi Relief or Crest Be toothpaste $3.99 Limit 2

$5 ECB wyb Colgate Optic White toothbrush+built-in whitening pen $14.99 Limit 2

$3 ECB wyb (2) of the products listed: Limit 1
Advil 50 ct., PM 20 ct., Children's Advil 24 ct., liquid 4 oz or infants 0.5 oz $4.99
ThermaCare heat or cold wraps (excludes heat 1 ct.) (BOGO 50% OFF)
Centrum adults 100 ct., kids 80 ct., Silver 65-80 ct. or Caltrate 60 ct. $6.99
Dimetapp 4 oz, Robitussin 20 ct., liquid 4 oz, Advil Congestion Relief, Allergy & Congestion Relief 10 ct. or Cold & Sinus 20 ct. $4.95

$5 ECB wys $20 OR $10 ECB wys $30 on the items listed: Limit $10*98% rules does not apply
Cheerios 11.25-14 oz 2/$5
Gold Emblem almonds 16 oz or pistachios 5-12 oz $4.99
ALL CVS Co Q-10, Fish Oil or Red Yeast Rice (BOGO)
CVS Aspirin 100-1,000 ct. (BOGO 50% OFF)
Bayer aspirin 40-300 ct. (BOGO 50% OFF)
Meta-mucil 114 doses, packets 44 ct. or capsules 120-160 ct. $15.99
Select CVS Blood Pressure Monitors or Pulse Oximeter - Save $10
OneTouch Verio IQ glucose monitoring system - Save $5
Omron 7 series upper arm blood pressure monitor $64.99
Select CVS Home Diagnostic items (excludes blood pressure & blood glucose monitors) (BOGO 50% OFF)

BOGO DEALS
Lay's chips 9.5-10 oz (excludes Baked)
Valentine M&M's, Mars Valentine Minis or Dove Chocolate hearts 7.94-12.6 oz
Cadbury single egg 1.2 oz, Mini Eggs 1.5 oz, Hershey's egg or bunny 0.95-1.55 oz
Jack Link's jerky or nuggets 3.25 oz
Select Nature's Bounty
Nature Made B, C, D, E or Multi Vitamins
ALL Natrol Vitamins, Sundown Naturals or Ester-C
ALL CVS Letter Vitamins, Calcium, Multivitamins or Glucosamine Chondroitin
ALL Summer's Eve

OTHER SALES
Select Grocery items $0.99
Mini hearts by Russell Stover, Whitman's or Hershey and more 0.96-2 oz $0.99
Renuzit Adjustables 7 oz or Just The Basics dish liquid 20 oz $0.88
Purex 24-33 loads or UltraPacks 18 ct. $2.99
Wisk liquid 32 loads 2/$9
ALL Simple Facial Care (BOGO 50% OFF)
ALL Schick Disposable razors (BOGO 50% OFF)
L'Oreal Advanced shampoo, conditioner 12.6 oz or styler 5-8.3 oz 3/$12
ChapStick 0.15 oz (excludes hydra lock) or Luden's drops 25-30 ct. 2/$3
24 Pack Purified Water 16.9 oz bottles $2.44
Grocery Deals
g: 0 Posted By: remick
Views: 123 Replies: 0 http://www.amazon.com/gp/product/B00HOG9BT4

5.0 out of 5 stars (7 customer reviews)

Would you love to create great tasting soups from scratch but think there is some mystique to soup making?
Well think again. Nothing could be easier to make without recipes than soup.
Making soup is very easy
Making soup is very creative
Making soup is very inexpensive
Making soup from scratch is fun

These are four very good reasons to jump in a start creating your own soup masterpieces without recipes. Open your mind, create some original soups and impress your family and friends with your new talent. Homemade vegetable soup, chicken noodle soup, fresh tomato soups are just some of the soup classics you can put together with very little effort. Whether you choose traditional methods or the more up to date crockpot, any soup you decide to make will come out perfectly when you follow these simple directions.

Everything you need to know about soup making, from making your own stock to stocking your cupboards is discussed in detail.



Top 30 Soup Recipes For Everyday Eating: Latest Collection of Healthy, Popular And Mouth-Watering Soups For Everyone
http://www.amazon.com/Soup-Recipes-Everyday-Eating-Mouth-Waterin...


Fresh and Fast Soups Made Easy - 25 Soul-Satisfying Vegetarian Soups Almost Everybody Loves
http://www.amazon.com/Fresh-Fast-Soups-Made-Easy-ebook/dp/B005OT...


The Slow Cooker Soup Cookbook
http://www.amazon.com/Slow-Cooker-Soup-Cookbook-ebook/dp/B00HVLR...

Totally Free Deals
g: 0 Posted By: saradon
Views: 0 Replies: 0 Just an FYI -- I contacted them to see if they would be adopting "Chip and PIN"-type credit or debit cards (I am trying to acquire one without needing to make another credit card application or open another bank account) as I have a secondary checking account with them. I was transferred to a specific representative, and he said no they would be adopting "Chip and Signature". I expressed my disappointment that they were, in my view, "taking the easy way out". What I found most distressing is that the representative - specifically from the credit card department - tried to tell me that this was the more modern technology and they had done extensive research and that this was best for their customers. He didn't know the topic that well either (couldn't discuss how a card has to 'negotiate' with a merchant terminal for which method to use - stuff available on flyertalk) and tried to minimize the inconvenience caused by kiosks and say that a person would always be around if needed and they would have to accept it, which is not true. Tried to make me believe it would be only a minor inconvenience (minor until you're stuck that is). Very, very disappointing. Both in the representative and in Alliant. My first disappointment with them since lowering rates (though better than most still) but very disappointed. May many calls from fatwalleters make them aware of the error of their ways and that it isn't passing unnoticed....
What has happened to FWF?
Added on : Thursday January 16th 2014 06:00:13 PM
g: 1 Posted By: dmlavigne1
Views: 82 Replies: 0 I have to say that the overall quality of posts has fallen in recent years. I used to think FWF was a great place to get churn/interest/arbitrage/investment advice, but lately it seems to be just a place to repost from other forums and to ask for basic finance/car accident advice. As an avid FWF poster, and thread starter (when I think it can fatten the wallets of others) I am disappointed in the overall threads. About 1 out of 100 is useful and 1 out of 10 is entertaining and gets green, the majority of the posts do not pass any sort of "does this fatten the wallets of anyone more than me?" My finger hurts from the "ignore" just based on the title. The mods do not put a stop to this non-sense and thus produces pages and pages of crap.

For the old timers (you know who you are), where do you go to get your advice? Is this it? Have you given up? Please PM me.

I am looking for thoughts/whatever on finance. My last 10 topics (which I hope inspire a bit more than the percentages above) are listed here:
http://www.fullofdeals.com/forums/finance/1303851/
http://www.fullofdeals.com/forums/finance/1324318/
http://www.fullofdeals.com/forums/finance/1332764/
http://www.fullofdeals.com/forums/finance/1295173/
http://www.fullofdeals.com/forums/finance/1286965/
http://www.fullofdeals.com/forums/finance/1258284/
http://www.fullofdeals.com/forums/finance/1249363/
http://www.fullofdeals.com/forums/finance/1180232/



Discussion Deals
Prepaid debit cards with high APY savings accounts
Added on : Thursday January 16th 2014 03:00:09 PM
g: 1 Posted By: itismejs
Views: 104 Replies: 1 Card APY Maximum $ Fee Note Issued By Magno Money 6.00% $5000 $0 with DD
otherwise $5 monthly DD is required for 6% rate
$20 bonus when you enroll in DD First Bank & Trust, Brookings, SD, Member FDIC Union Prepaid 5.10% $5000 $0 with DD
otherwise $2 monthly DD is required for 5.1% APY. First Bank & Trust, Brookings, SD, Member FDIC Control Card 5.00% $5000 $5 with DD
Otherwise $8 monthly DD is required for 5% rate MetaBankTM, Member FDIC (Net Spend) Paypal Prepaid 5.00% $5000 $4.95 monthly Refer-a-Friend program,6for every friend you get to sign up, activate and load $10 on their card, you'll both earn $5.
No DD Required Bancorp
There have been threads on FW about these cards, but I thought a consolidated one would be helpful.
Discussion Deals
g: 1 Posted By: remick
Views: 119 Replies: 0 http://www.amazon.com/dp/B008ZHF7YY

#1 Amazon Bestseller in Cooking, Food & Wine (October 2012)

In this kindle book you will find Quick, Easy & Healthy recipes you can prepare over and over again for yourself and for your family.
Each book is littered with stories from the Collins household adding its own unique spice to each recipe.



Also free today:


Katherine's Gourmet Cooking (Know About Cooking)
http://www.amazon.com/dp/B00DR23G6S

5.0 out of 5 stars (5 customer reviews)

In addition to being economical, cooking meals at home can be very satisfying. Not only do you save money, but you get to highlight your creative side. This book is all about gourmet recipes that you normally think of when you plan to go out for a special evening. It includes recipes for Italian, Oriental and American cuisine, with a little French thrown in. It includes special sauces like hollandaise sauce, barnaise sauce and bchamel sauce. The sauces are so easy to make that there is no reason that you can't add that special touch to your meals. Most of them can be put together in five minutes or less and use a blender. Now, that's an easy way to ease into gourmet cooking.

This book contains 40 recipes in 4 categories:
Main Dishes
Side Dishes
Pasta
Sauces and Miscellaneous Stuff



Food for Thought: Quick and Easy Recipes for Homeschooling Families
http://www.amazon.com/dp/B00E6KQSFQ
5.0 out of 5 stars (11 customer reviews)

How do you combine Tim Tebow and Crockpot Chili or Pigs in a Blanket and JRR Tolkien? And what do these heroes of the Christian faith have in common with homeschooling, feeding the poor, or buying cows and chickens?

Food for Thought: Quick and Easy Recipes for Homeschooling Families can stimulate thoughtful discussion while cooking. By creating delicious recipes to be eaten and shared with others, we bring glory to God, our Creator, to whom we give thanks in our blessings.
Homeschooling does not have to be limited to sitting at a table poring over books-- that's BORING. As a homeschooling mother for fifteen years, I mixed things up a bit. Enjoy cooking while teaching math, philosophy, history, economics, geography, sociology, reading, and the Bible.
Food for Thought contains a spice of variety for the young and the young at heart. Take the drudgery out of cooking and make homeschooling fun. Your kids will love you as they "cook" Worms in Dirt or stir up Crazy Cupcakes. Food for Thought: Quick and Easy Recipes for Homeschooling Families contains delicious recipes, famous quotes, and homeschooling activities that will create warm memories for YOU AND YOUR FAMILY for years to come.

Totally Free Deals
Moto G, Verizon Prepaid on Amazon lightning for $80
Added on : Wednesday January 15th 2014 07:00:03 AM
g: 0 Posted By: miserly
Views: 154 Replies: 0 http://www.amazon.com/exec/obidos/ASIN/B00HPP3QD6

all deals taken for now

Can this be used on PagePlus?
Short answer, nobody knows for sure. Consensus is that you need to use on Verizon prepaid for $60/mo x 6 months before being allowed to whitelist and use on PPC.
http://www.fullofdeals.com/forums/deal-discussion/1329434/
http://www.howardforums.com/showthread.php/1819813-The-Moto-G-on...
Cell Phones Deals

Amazon Coupons
Credit Monitoring By Target
Added on : Wednesday January 15th 2014 05:00:11 AM
g: 0 Posted By: ggmon
Views: 157 Replies: 1 Target is providing credit monitoring for all. There is a separate thread on that.
My question is
1. How does this help?
2. Credit/Debit Card info was stolen. How will this impact my credit ratings?

My understanding is that there could be fraudulent charge on the CC for which the info was stolen. Target doesn't have my SSN / DOB info..
Discussion Deals
'PayPal Testing New Checkout Processes'
Added on : Wednesday January 15th 2014 02:00:03 AM
g: 0 Posted By: tuphat
Views: 55 Replies: 0 From PaymentsSource. Sounds like a data breach waiting to happen, IMHO.

PayPal plans to deploy a checkout system that contains the payment entirely within the merchant's website, one of several payments technology initiatives underway in at eBay's payments subsidiary.

PayPal is testing the new checkout system with a "handful of partners" and will make it more widely available to larger merchants during the first half of 2014, with a rollout for smaller merchants also in the works, says Don Kingsborough, vice president of retail services for PayPal, in a Jan. 13 blog post.

http://www.paymentssource.com/news/paypal-testing-new-checkout-p...
Discussion Deals
Penis pumps cost U.S. government millions, watchdog cries waste
Added on : Tuesday January 14th 2014 06:00:07 PM
g: 1 Posted By: tightpapa
Views: 101 Replies: 0 (Reuters) - Penis pumps cost the U.S. government's Medicare program $172 million between 2006 and 2011, about twice as much as the consumer would have paid at the retail level, according to a government watchdog's report released on Monday.
Link
Discussion Deals
The Justine Houndstooth Haircalf Handbag is made of soft calf hair leather with garnet leather gussets creating a chic look for day that can transition to evening. Featuring an edgy, gold tone adjustable chain strap that allows you to use as a shoulder bag or cross-body style. Designed in Italy.
Entrepreneurship networking: share your top skills
Added on : Tuesday January 14th 2014 04:00:11 AM
g: 1 Posted By: robby152
Views: 114 Replies: 0 I have enjoyed reading through the networking threads related to posting job openings at your company, but I am not looking for a job. I am looking for like-minded people who want to talk about entrepreneurial ideas and have different skills than I do. Hopefully, some cool FW start-up would come out of this, but even if people just shared tips in their areas of expertise and were open to a couple of PMs on those aspiring to grow in those areas, that could help each other as well. I thought we could have a thread where people list the top 1,2 or 3 skills that might be relevant for an entrepreneurial venture. For example, though I think marketing is important, but I am horrible at it so I won't list that. But, I am an Excel monkey and have a lot of experience with process improvement and stuff like that. So mine would be:

Data Analysis
Process Improvement
Project Management

If anyone else is interested in this, we could start compiling everyone's top skills. And yes, while MS and other FW specific skills are definitely useful, I am looking for more generic skill sets that could apply to multiple industries. If you think you are only good at being a top HH, you might list:

Industry analysis
Process Design (have to be very organized)
Blah blah blah

Discussion Deals
Union members class action lawsuit alleges illegal dues deductions
Added on : Monday January 13th 2014 08:00:06 PM
g: 0 Posted By: bighitter
Views: 119 Replies: 1 Class action lead plaintiff David Slack has filed a lawsuit against IUOE for violating labor laws. IUOE is the 10th largest union in the AFL-CIO. The lawsuit claims that Union members are forced to contribute 1% of their salary to a fund that is suppose to be used to enforce contractor compliance. Instead their money is being used to fund union bosses' political agenda and pay for lavish trips, expensive lunches and limousines.

Plaintiff Slack states his wife was terrorized by union management intending that by doing so it would silence Slack.In the lawsuit, Plaintiff Mendoza claims he was beaten to a pulp at a union meeting for voicing opposition to a union plan. In another instance, a manager of a construction company and his wife were terrorized in order to force the company into a collective bargaining agreement.

The class action members seek treble damages, a permanent restraining order, disgorgement and equitable relief.

I wish them the best of luck. As the article points out, this isn't the first instance. Members of Local 501 last year "claimed bosses embezzled tens of millions of dollars and ran the union with the same disregard for others' rights as the mob." If any FW'ers know someone who has been a victim of similar tactics, let them know about the lawsuit.

Link to complete article: Courthouse News Service here
Discussion Deals
Office & School Supplies Starting at $0.25 w/ SP @ Kmart
Added on : Monday January 13th 2014 10:00:09 AM
g: 1 Posted By: slervik
Views: 275 Replies: 0 Kmart has Office & School Supplies on sale starting at $0.25 with free in-store pickup.

Mean 3x5 Unruled Index Cards (100-pk.)- $0.25
Alco 3x5 Ruled Index Cards (100-pk.)- $0.25
Alco 3x5 Unruled Index Cards (100-pk.)- $0.25
Dixon No. 2 Pencils (10-pk.)- $0.25
Mead Portfolio Folder - $0.25
Wooden School Ruler- $0.25
Westcott Latex Free Finer Groove Eraser w/ Microban Protection- $0.39
Westcott Eraser Craze- $0.39
12-in. Westcott Shatterproof Ruler- $0.50
Spiral Notebook- $0.50
150-sheet Filler Paper- $0.50
Elmers Glue Sticks (2-pk.)- $1.00
Avery 1-in. Economy Binder- $1.00

Office & School Supplies Deals

Kmart.com Coupons
Scientist Predicts 60% Market Collapse
Added on : Sunday January 12th 2014 06:00:07 PM
g: -3 Posted By: tightpapa
Views: 174 Replies: 3 Scientist Predicts 60% Market Collapse ---- the chart says so
The dreaded triple top!


Read Latest Breaking News from Newsmax.com http://www.moneynews.com/MKTNews/Finance-Market-Stocks-Aftershoc...

Discussion Deals
Confused - do I need a will and/or estate planning?
Added on : Saturday January 11th 2014 04:00:05 PM
g: 0 Posted By: guraaf
Views: 30 Replies: 1 Hi all,

I am a US permanent resident (green card holder) who moved to the US about 9 years back. I have two kids less than 10 years of age. I am trying to understand whether we need estate planning and/or a will. Right now, I manage all the finances, taxes etc. myself but recently discussed with two certified planners and the said that I absolutely need a will and should get an estate made.

The idea is that if my wife or I were to die then our assets will either go to the state or our kids will have a huge problem and a tax burden. Is that really the case here? I can't seem to tell for sure. We have:
- bank checking accounts
- brokerage accounts
- house that is paid off (no mortgage)
- no other loans
- 401k accounts for both
- Roth IRA for both

All my accounts are joint owner with rights of survivorship and my two sons are 50% each beneficiaries. So why do I need a will if I don't want to give money to relatives or charity? I live in Texas, BTW. The two cases that I am interested are: a) my wife or I die, b) my wife and I both die. Wouldn't the money be simply available to the surviving spouse or the kids as the beneficiaries? Will there be a tax impact? Why? The savings are already taxed.

Thanks for any help and insight.
Guraaf
Personal Finance Deals
*Possible* Free Gold/Platinum status with AA again!
Added on : Saturday January 11th 2014 01:00:10 PM
g: 0 Posted By: ahcool
Views: 679 Replies: 8 This offer is back! See previous threadhere.Simply go tooffershere and enterHVFP1as the promo code. Last time the code is not one-time use either.



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Item Availability Deals
g: 7 Posted By: MISTERCHEAP
Views: 1621 Replies: 18 The stolen information includes names, mailing addresses, phone numbers or email addresses for up to 70 million individuals.

http://www.nbcnews.com/business/target-says-stolen-info-data-breach-hit-70-million-people-2D11894083
General Discussion Deals
Overseas Visitor
Added on : Saturday January 11th 2014 05:00:08 AM
g: 0 Posted By: Neilium
Views: 79 Replies: 0 I have a family member coming from the Philippines Jan 26th to Feb 4th.

What are some must see/do things in northern IL and Southern WI they should try.

He has never been in the U.S


Discussion Deals
Family member likely being laid off...sort of
Added on : Friday January 10th 2014 08:00:05 PM
g: 0 Posted By: chaster86
Views: 127 Replies: 0 So this is going to come as kind of a unique situation (sorry, it's kind of long), and I'd appreciate any insight as to how this can be handled in the best way and potentially to get the most payout (from the severance).

My mother started working for a company in February 2011 or thereabouts, in California. She was an executive assistant for 2 senior VPs (medium-sized company). She liked working there, liked her bosses, never had any real issues and always received great feedback and excellent performance reviews. Around Spring of last year I started hearing grumblings from her about the job, a couple of executive assistants and other employees were let go, younger and younger people started coming in as replacements. The company had really become quite different than when she started, in her opinion, and it wasn't treating employees well.

My mom has had serious issues with her knees due to being a semi-pro, rated tennis player in her younger years.Fast forward to summer 2013.She decided it was time to have knee replacement surgery on the worse of the two knees last September. Shefollowed all the right procedures with HR and notifying her bosses that she'd be out for an extended period of time of around 3 months (under FMLA provisions, I think). The surgery went ok, but there was more damage than the surgeon anticipated, including some additional nerve damage that prevented my mom from walking (her foot dragged). So instead of 3 months recovery it would take maybe an extra month or so. She's been doing physical therapy and the process has worked great, she's walking much, much better now.

During the recovery my mom moved back into the house she owns (she was renting previously, and renting out her house) which is about 45 minutes away from said job. During her period of disability from September to December, a family member asked her if she would like to be his employee as his personal/executive assistant (he does a great deal of financing for house flipping partners, and flies his plane around to scope properties around the Western states).

All the while she did keep in touch with her then boss; she was honest with him in telling him she had moved back for the recovery. He commented point blank 'you're not coming back are you...?' to which she responded that it hadn't been decided yet. She ultimately did decide to take the job with our relative, and was going to put in her two-week notice to her employer once she had her 'back to work' date from her doctor when she goes to the appointment on January 16th.

Earlier this week the company's HR department called her asking if January 16th was her back to work date. She said no, that was the date of her doctor's appointment, and she would likely get her back to work date at that time (she said this was a suspicious call the way they phrased the question). Interestingly enough, today my mom got a phone call from a colleague of hers in the Chicago office asking if she had read her email, and my mom said no, she hadn't read emails for weeks. When she did she saw an email from yesterday announcing a MAJOR 'reorganization' of the company. Many in the executive suite were let go, including BOTH my mom's bosses (who had been with the company 24+ years). So, you do the math...

What my mom wants to do now is try to call their bluff, rather than give her notice. On January 16th she expects the doctor will tell her she can go back to work 2 weeks later. She will communicate the same to her employer. She thinks the employer will either straight up tell her she is being laid off, or will send some sort of certified letter to that effect in the two week time period, offering a severance package as well. If they don't she says she will tell them the day before she is to re-start that she will not be coming back. She really doesn't want to go back to the office, and plans on shipping back her iPad and cell phone to them rather than going in person, regardless of what happens.I chimed in and said she really should go back in person regardless of the outcome because I've been laid off before and they did it in person, not via letters or phone calls. She thinks it would be humiliating and embarrassing which I understand. I also told her it's not good to burn bridges in case she needs a job in the future, that not giving proper notice (in case they call her bluff) would be recorded in her file. She's close to retirement age anyways and says she won't need a job in the future after this new one. Keep in mind they ELIMINATED her position by laying off her bosses.

So, my question is what course of action should she take? Should she:

1) Put in her two week notice once she has the back to work date, and forfeit any severance package
2) See if they really are going to lay her off and offer a package
3) Same as 2, but they want to do it in person on her first day back, to which she won't go and she'd put in her notice one day prior to re-start date
4) Same as 3, but try to get her to go back on the first day to see what happens

Another thing I see with this is the company may be smart and think if they lay her off right away that it will look really suspicious (having been off work for 4 months due to legal disability) and put them at a legal crossroads. I don't know how the FMLA works, my mom seems to think she outside that protection but I haven't researched it yet.

Now, yes ethics comes into play here. My mom was fully intending on doing the proper thing by quitting with two weeks, but I don't feel sorrow for what the company has done with this restructuring. The company was not performing badly at all, performance and profit sharing bonuses were given out the two years my mom was there. The guys replacing my mom's bosses are out of the Houston office, hired 2 months ago in their 30s (as told to her by her counterpart in Chicago). I told my mom JOKINGLY just to go with the nuclear legal route, but in reality I would like her to just play her unique situation to her advantage and get a nice payout from company. But I don't want her to burn bridges at the same time.

What would you do in her shoes? I appreciate any insight.
Discussion Deals
V.me - Service and Privacy Policy Update
Added on : Friday January 10th 2014 03:00:07 PM
g: 0 Posted By: ablang
Views: 100 Replies: 0 Dear Ron, Since the launch of V.me by Visa, weve been hard at work providing you with a simple and secure way to pay at your favorite eCommerce sites. Were writing to make you aware of upcoming changes well be making to V.me to extend the service to even more top merchants, where you shop online and by mobile device. Rest assured, youll continue to enjoy the convenience of entering only your email address and password at checkout. What's HappeningAll changes will be reflected in an updated Privacy Policy, but the key changes you should be aware of include:
Transaction History: We will no longer provide your V.me purchase transaction history on the V.me website. As always, you will continue to receive order details from merchants and payment transaction detail directly from the financial institution that issued your payment card.


Payment Card Account Number: Visa may provide your full payment card account number to merchants and their transaction service providers when you pay using V.me. Visa is leveraging its wealth of experience in security and information handling, using advanced security technologies such as industry standard encryption and multilayer authentication, to protect the information as it is stored and communicated.


Information Sharing and Use: The V.me Privacy Policy was updated to clarify our relationship with participating merchants and their service providers and your issuer with regard to sharing of data. Visa provides information to these entities for the purpose of facilitating your V.me transactions and as described in the Privacy Policy. Please note that these parties may have their own privacy policies governing how they will use and disclose personal information. We recommend that you review the privacy policies for those with whom you interact to learn about their practices.

You will receive another email notifying you when these changes take effect. If youd like to preview the upcoming Privacy Policy, visit https://www.v.me/preview. Looking ForwardWe are hard at work building new payment solutions that promise to bring the simplicity and confidence of swiping your payment card to all of your online and mobile shopping experiences. If you have any questions about your V.me account, please contact us at support@v.me. Thank you, V.me by Visa Please do not reply to this email. It was sent from an email address that cannot accept incoming messages. If you think you received this email in error, please disregard it or let us know at support@v.me.

Discussion Deals
Most lucrative part time jobs: discussion
Added on : Friday January 10th 2014 12:00:17 PM
g: 0 Posted By: curvesahead
Views: 222 Replies: 6 Which part time jobs do you see as most lucrative and least lucrative?


Personal Finance Deals
This ivory briefcase with pink trim has two compartments with two pen holders, a mobile pocket, two zippered pockets (inside and outside). It comes with a detachable and adjustable shoulder strap and a dust bag. Made in Italy.
ON SALE: Loriblu - Black Saffiano Calf Leather Lace Up Shoe
Added on : Friday January 10th 2014 09:00:13 AM
The Black Saffiano Calf Leather Lace Up by Loriblu is part of the Elegance Line and is the ultimate in minimalistic style. Featuring lux smooth and textured contrasting Saffiano leather upper with microfiber gusset detail and one eyed lace-up styling. Made in Italy.
ON SALE: Marc Jacobs - Black Leather and Snakeskin Bootie
Added on : Friday January 10th 2014 09:00:13 AM
Black calfskin leather low top slip-on Chelsea boots with elasticated side gussets and pointy toe. Featuring a contrasting real snakeskin detailed rounded block heel. Pull loop on back. Leather lining and outsole. Made in Italy.
The transition of patent leather to suede creates a beautiful shading effect with the MCQ Alexander McQueen Black Patent Leather and Brushed Suede Chelsea Ankle Boots. Featuring sculpted 5in/12cm heel, gussets at the ankle, D-ring tab accents on the top line and front panel in gunmetal and a leather sole overhang with square point which creates a modern structural form. Signature dust bag included. Made in Italy.
ON SALE: Rebecca Minkoff - Sunny Color Block Leather Satchel
Added on : Friday January 10th 2014 09:00:13 AM
Flirty ala mod. The Sunny Color Block Satchel by Rebecca Minkoff will be a standout in a crowd. Featuring polished gold-tone hardware and metal feet, magnetic front pocket and zip gussets, removable adjustable shoulder strap. Dust bag included.
ON SALE: Zadig & Voltaire - Teddy Clous Multico Black Leather Boot
Added on : Friday January 10th 2014 09:00:13 AM
For the city gal who rocks. Low boots from Zadig & Voltaire with back zip closure, iridescent gold gusset and studs and an engraved rivet on the right foot.
ON SALE: A.Testoni - Dark Brown Suede Oxford Boot
Added on : Friday January 10th 2014 09:00:12 AM
The Dark Brown Suede Oxford Boot by A.Testoni are crafted in fine Italian suede and feature brogue detail, suede gussets at the ankle and lugged rubber sole. The ultimate in Italian and comfort. Made in Italy.
ON SALE: Alexander Wang - Racketeer Satchel in Black Leather
Added on : Friday January 10th 2014 09:00:12 AM
The Racketeer Satchel in Black by Alexander Wang features a geometrically inspired three compartment gusseted frame with leather tab tongue closure integrated handle, detachable strap and logo detail. Signature dust bag included.
Geometrically inspired, the Racketeer Satchel in Geyser Haircalf W/Rhodium by Alexander Wang features a three compartment gusseted frame with leather tab tongue closure, haircalf leather in rhodium silver, integrated handle, detachable strap and logo detail. Signature dust bag included.
ON SALE: Giorgio Fedon 1919 - Web - Front Pocket Briefcase
Added on : Friday January 10th 2014 09:00:12 AM
Large front pockets, double gussets and a removable portfolio for A4 documents offer organization and classic lines with a modern twist. Multiple internal pockets offer storage for small objects. Signature dust bag included. Italian design.
ON SALE: Jerome Dreyfuss - Bernard Canvas and Leather Crossbody
Added on : Friday January 10th 2014 09:00:12 AM
�Bernard� khaki canvas and black calfskin leather practical cross body/hand-held bag with an adjustable canvas & leather strap. Featuring a practical zipped leather pouch with embossed signature logo detail on the front flap. Top zip fastening and exterior snap button pocket under flap. Interior is fully lined in blue fabric with a zipped pocket, and has a detachable handy flashlight and bottle opener. Signature dust bag included.
ON SALE: Jerome Dreyfuss - Max Large Leather Tote
Added on : Friday January 10th 2014 09:00:12 AM
The Max in Chevre Rouille is ruggedly handsome and an ironman when it comes to durability. Already famous with the ladies, can be carried by hand as a big and loose weekend bag or use the detachable strap for over the shoulder to get you through a busy terminal. Great for weekendenders and of course comes with bottle opener and flashlight.
New Target Hack - Thieves steal customer information
Added on : Friday January 10th 2014 07:00:23 AM
g: -2 Posted By: forbin4040
Views: 146 Replies: 5 If you remember the 'old Target hack', thieves took swipe information on 40 million cards.

New Target Hack, thieves steal Name , Address , Email information of70 MillionTarget customers.

Now the only thing I can think of where Target stores the emails is Target.com or Target Red Card.
If the thieves took that info, it's OBVIOUS to me, it was an inside job.

Target has not stated they took SSN's but I don't recall giving Target my SSN.

Well, watch your credit history folks, they took something more than just the swipe at the terminal. They took Target's internal database.

/sigh

http://money.cnn.com/2014/01/10/news/companies/target-hacking/index.html?iid=EL


Discussion Deals
Auto Insurance discussion thread.
Added on : Friday January 10th 2014 06:00:13 AM
g: 0 Posted By: ShakuniMama
Views: 30 Replies: 1 I am starting this thread in the hope that all discussion regardingAuto Insurance can be done in one thread and all of us can benefit from it since currently there are numerous archived threads with great information (but you have to start a new thread in order to ask one question).
Please fell free to comment/ ask any question regarding yourAuto Insurance.
Also, any tips/ticks for getting discounts on your policy.
Please include yourAuto Insurance name, state, coverage, deductibles and six monthly premium to compare.
For example:
I have Geico with full coverage & full tort in PA with a 6 monthly premium of about $700.
My car (2002 Honda Accord) is just over 11 years old and I am looking for ways to reduce my premium since now it is probably worth about $ 4-5000.
What can I drop and what I must keep ?
I also have renters Insurance and was wondering if I should buy an Umbrella insurance.

Thanks for reading.

Discussion Deals
g: 0 Posted By: bpvh
Views: 56 Replies: 0 OfficeMax MaxPerks Bonus Rewards week of 01/12/2014: 22x17 Desk Calendar -- Pay $8.99, get back $8.98 in rewards


At the moment in-store only. Will update when the OfficeMax.com MaxPerks page updates soon after midnight Sunday morning.


OfficeMax 22x17 Recycled Monthly Desk Calendar
SKU #2396-2990
YOU PAY $8.99 - $8.98 back in MaxPerks Bonus Rewards* = 1 cent
Limit 2 per customer.


This offer is valid from 01/12/2014 thru 01/18/2014.


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

bpvh's unofficial OfficeMax MaxPerks FAQ LINK

=======================
sfbay : why are the school districts so bad ?
Added on : Thursday January 09th 2014 07:00:07 PM
g: 0 Posted By: CAguyIP
Views: 98 Replies: 1 Given the sky high property prices - which implies high property taxes for schools..why do these areas have "low rated " schools..?
Discussion Deals
eco atm rip off
Added on : Thursday January 09th 2014 07:00:07 PM
g: -1 Posted By: jaydenjosephine
Views: 69 Replies: 1 So I tried the eco ATM in our local mall and we had ten phones it asked for drivers licence and we had the machine check all of our phones we did everything it said to do and at the end it said call 1800.... and ddidn't give us any money took our phones so I called the number and I left my name and number its been 4 months and still havent heard back they stole my phones and now I have no way of getting them back or the money I'm owed so screw you eco ATM you owe me 150 dollars
Discussion Deals
Route 66 Men's Jeans - Starting at $8.99 @ Kmart
Added on : Thursday January 09th 2014 09:00:04 AM
g: 0 Posted By: chapmanra2013
Views: 120 Replies: 0 Kmart has Route 66 Men's Jeanson sale starting at $8.99 with free in-store pickup or free shipping on orders of $59 or more.
A few items at $8.99:

Route 66 Men's Low-Rise Bootcut Jeans & Belt (Light Wash) - $8.99
Route 66 Men's Low-Rise Bootcut Denim Jeans & Belt (Medium Wash) - $8.99
Route 66 Men's Low-Rise Bootcut Jeans & Belt (Rinse Wash) - $8.99







Clothing Deals

Kmart.com Coupons
beautiful traveling places
Added on : Thursday January 09th 2014 07:00:14 AM
g: 0 Posted By: salmanseoo
Views: 12 Replies: 0 Which places is comfortable and beautiful in Asia or Europe? Anyone please tell me.
Discussion Deals
g: 1 Posted By: remick
Views: 209 Replies: 0 http://www.amazon.com/gp/product/B00HQHER2C

Here is a manual for serious music students. Music Theory Book 1 lays out the foundation of basic chords. Music Theory Book 2 discusses extended chords. The basic chord tones ( 1, 3, 5) and color tones ( b3, b7, 7, 9, 10) are all explained with diagrams and charts. You will be able to see everything in one flash so that you have deep insights into music theory. This manual helps you to focus on the main issues so that you can capture all the important aspects of piano chords. Major, minor, dominant, secondary dominant chords are fully explained.


Also free at the time of posting:

Piano Scales, Chords & Arpeggios Lessons with Elements of Basic Music Theory: Fun, Step-By-Step Guide for Beginner to Advanced Levels (Book & Videos)
http://www.amazon.com/Scales-Chords-Arpeggios-Lessons-Elements-ebook/dp/B00HGB70WM

Piano Song Books - Fake Book 1 & 2 - Music Sheet, Song Charts, Reharmonization Chord Charts - 10 Gospel Hymns & 10 Standards and Popular Songs - Bundle of 2 Books (Learn Piano Songs)
http://www.amazon.com/Piano-Song-Books-Reharmonization-Standards-ebook/dp/B00HQND25O

Piano and Song How to Teach, How to Learn, and How to Form a Judgment of Musical Performances
http://www.amazon.com/Piano-Judgment-Musical-Performances-ebook/dp/B00849JPUK

Piano Playing: With Piano Questions Answered
http://www.amazon.com/gp/product/B007NC39OW


Totally Free Deals
Winter Wonder sale at Sears free store pickup
Added on : Thursday January 09th 2014 12:00:02 AM
g: 0 Posted By: ArtieLange
Views: 205 Replies: 0 Winter Wonder sale at Sears free store pickup

http://www.sears.com/shc/s/dap_10153_12605_DAP_This+Weeks+Hot+Deals?adcell=bonussavings#department=christmasshop&soldby=sears
Home & Garden Deals

Sears Coupons
Water Damage from a Vacant Neighboring Condo Unit
Added on : Wednesday January 08th 2014 06:00:08 PM
g: 0 Posted By: Porqin
Views: 116 Replies: 0 Greetings, FWF:

Quick scenario, my friend encountered this evening:
- Lives in a 2-story condo building (he is renting), with units on both the first and second floor
- Neighbor's 2nd story vacant condo had a pipe burst, and water gushed into the first floor (garage area of friend)
- Water department was called to turn off water to the vacant unit

At this point, it isn't entirely clear the extent of the damage.

Now, the question is which insurance covers this situation for damage to:
A. Friend's personal belongings
B. Damage to friend's unit (structure)
C. Cleanup

1. Friend's renter's insurance
2. Friend's landlord's home owner's insurance
3. Vacant condo's home owner's insurance
4. HOA insurance

Thanks for your input.
Discussion Deals
g: 0 Posted By: ctgolfer
Views: 0 Replies: 0 http://1sale.com/fashion/other/icanvasart/
Questions for the AOR / CC churner pros
Added on : Wednesday January 08th 2014 01:00:07 PM
g: 0 Posted By: Mattattack
Views: 57 Replies: 0 Please bear with me, I am new at this. I learned everything I know about AORs by reading FWF up until this point.

Old CCs (will keep for account age)
Statefarm CC (25k limit) (opened 2009)
Penfed platinum rewards (7.8k limit) (opened 2010)
Chase Freedom (5k limit) (opened 2010)

New CCs (I already have these and I have received or am in the process of receiving the bonuses)
Chase Southwest visa (8.5k limit) (received 50k bonus + companion pass back in September) (opened May2013)
Chase Southwest business visa (5k limit) (recently closed - see below) (received 50k bonus back in September) (opened May2013)
Amex blue cash preferred (7.8k limit) (opened May2013)
Discover IT (6.5k limit) (Opened November 2013) ($150 sign up)
Capital one Quicksilver (7.5k limit) (will keep for 1.5% on everything) (Opened November 2013) ($100 sign up)
Citi thank you preferred (6.5k limit) (Opened November 2013) (30k TY point sign up)
Citi dividend (4.2k limit) (Opened December 2013) ($100 sign up + the $300 from the first quarter categories)

Total Credit line 78.8k

Just got a mortgage March 2013 (30yr fixed 3.625%) and dont anticipate needing a loan anytime soon. (Was told by my mortgage broker I had a 745 at the time)Credit Karma currently has me at a 687. I havent otherwise pulled my own credit.

Questions:

1. Long story short a payment was missed on my chase south west business visa. Im 99% sure I requested the payment to be made and the money was just never taken from my checking. They waved the late fee but, the CSR said the late payment was most likely already reported to credit agencies. In the moment I had them cancel the card because I already had the bonus and didnt think I needed it anymore. This is my first missed payment on a CC. Is this a big deal? My plan is to get my free credit reports in a month or two, see if it appears, and then dispute it. It hasnt shown up on credit karma yet.I probably should have kept this card to transfer the line to a different business card (chase ink) but, its too late now.

2. Is there any reason to keep my personal chase southwest visa? Do I cancel and request they move the credit line to my chase freedom? So, I can churn the card again in the future? I had the personal and business plus cards. When my companion pass runs out I could get the premier cards in 2015. Then eventually get the plus cards again in the distant future? (assuming any 50k point offers come up in the future)

3. It there any reason to keep the citi thank you preferred card after I get the bonus? Ive only received 10k of the 30k points so far. I took the first 10k points as a $100 Staples GC to try to monetize it buying free after rebate items but, I have yet to find a free after rebate item in stock. (Im a Staples noob)

4. Is there any way to get the annual fee on the amex BCP waived? Do I keep it just to get the $285 each year? (6% x $6000 = $360 - $75 AF = $285)

5. Any advice on how long I should wait until I do another AOR? (I know the two Ive done were only 3 cards each and were weak but, I have yet to be denied a credit card)

Any other comments, tips, suggestions would be appreciated.
Discussion Deals
g: 8 Posted By: slervik
Views: 803 Replies: 1 **WalMart has select PS3 and Xbox 360 on sale starting at $8.00

Bad Company 2 Platinum Hits (Xbox 360)- $7.96
Def Jam Rapstar (Xbox 360)- $4.96
Kinect Puss in Boots (Xbox 360)- $6.96
SSX (PS3)- $9.96
Legends of War: Patton (Xbox 360)- $9.96
Guitar Hero II & Guitar Hero Aerosmith Dual Pack (Xbox 360)- $3.96
Fallout 3 (Xbox 360) - $9.96
Deus Ex: Human Revolution (Xbox 360)- $9.96
BioShock 2 (Xbox 360) - $9.96
Madden NFL 11 (PS3) - $9.96


WalMart has free shipping on orders over $50.00 or free in-store pickup.


**Microsoft Store also has some games on sale:

Anarchy Reigns (Xbox 360) - $6.99
Once Upon a Monster (Xbox 360)- $6.99
Nickelodeon Dance (Xbox 360)- $14.99
Major League Baseball 2K12 (Xbox 360)- $6.99
Darksiders II: Limited Edition (Xbox 360)- $12.99
Steel Battalion (Xbox 360)- $6.99
Star Trek (Xbox 360)- $6.99
Adidas miCoach (Xbox 360)- $6.99
The Walking Dead (Xbox 360)- $17.99
Steel Battalion: Heavy Armour (Xbox 360)- $6.99
Blackwater (Xbox 360)- $6.99
GRID 2 (Xbox 360)- $21.99
Hitman: Absolution (Xbox 360) - $6.99
Medal of Honor: Warfighter (Xbox 360)- $6.99
Darkspore (PC)- $4.99
Prototype 2 (PC)- $6.99
The Darkness 2 (PC)- $2.99
Stronghold 3 (PC)- $4.99
Rift (PC)- $6.99
Saints Row IV (PC)- $21.99


Microsoft Store has free shipping.

**Xbox Live has Sleeping Dogs on sale for FREE for Gold Members Sleeping Dogs LINK

**Sony Entertainment has a list of FREE games for Playstation Plus members:

Don't Starve: Console Edition
Devil May Cry
Dyad
Borderlands 2
RESOGUN
Binary Domain
ibb & obb
Poker Night 2
Shadow of the Colossus
ICO
Galaga Legions DX
Uncharted 3: Drake's Deception
XCOM: Enemy Unknown
LittleBigPlanet: Karting
Urban Trial Freestyle PS Vita
Sonic @ All-Stars Racing Transformed
Oddworld: Stranger's Wrath HD
Wipeout 2048
Uncharted: Golden Abyss
Gravity Rush



**GameStop has new and pre-owned games on sale

God of War: Ascension (PS3)- $19.99
Tomb Raider (Xbox 360)- $14.99

PREOWNED (GameStop)

Madden 11 (PS3)- $1.00
Madden NFL 09 (Xbox 360) - $0.50
Madden NFL 09 (Xbox 360) - $0.50
NCAA Football 08 (Xbox 360) - $0.50

Video Games Deals

Walmart Coupons
Select PC, PS3 & Xbox 360 Games on Sale @ Walmart, Microsoft, Sony
Added on : Wednesday January 08th 2014 06:00:18 AM
g: 5 Posted By: slervik
Views: 485 Replies: 0 **WalMart has select PS3 and Xbox 360 on sale starting at $8.00

Bad Company 2 Platinum Hits (Xbox 360)- $7.96
Def Jam Rapstar (Xbox 360)- $4.96
Kinect Puss in Boots (Xbox 360)- $6.96
SSX (PS3)- $9.96
Legends of War: Patton (Xbox 360)- $9.96
Guitar Hero II & Guitar Hero Aerosmith Dual Pack (Xbox 360)- $3.96
Fallout 3 (Xbox 360) - $9.96
Deus Ex: Human Revolution (Xbox 360)- $9.96
BioShock 2 (Xbox 360) - $9.96
Madden NFL 11 (PS3) - $9.96


WalMart has free shipping on orders over $50.00 or free in-store pickup.


**Microsoft Store also has some games on sale:

Anarchy Reigns (Xbox 360) - $6.99
Once Upon a Monster (Xbox 360)- $6.99
Madagascar 3: The Video Game- $6.99
Motion Explosion (Xbox 360)- $5.99
Dead Island: Riptide (Xbox 360)- $9.99
Major League Baseball 2K12 (Xbox 360)- $6.99
Walking Dead: Survival Instinct (Xbox 360) - $9.99
The Walking Dead (Xbox 360)- $17.99
Metal Gear Rising: Revengeance (Xbox 360)- $9.99
Big League Sports (Xbox 360)- $9.99
Just Dance 4 (Xbox 360)- $6.99
Steel Battalion: Heavy Armour (Xbox 360)- $6.99
Blackwater (Xbox 360)- $6.99
GRID 2 (Xbox 360)- $21.99
Hitman: Absolution (Xbox 360) - $6.99
Medal of Honor: Warfighter (Xbox 360)- $6.99
Darkspore (PC)- $4.99
Prototype 2 (PC)- $6.99
The Darkness 2 (PC)- $2.99
Stronghold 3 (PC)- $4.99
Borderlands 2 (PC)- $4.99


Microsoft Store has free shipping.

**Xbox Live has Sleeping Dogs on sale for FREE for Gold Members Sleeping Dogs LINK

**Sony Entertainment has a list of FREE games for Playstation Plus members:

Don't Starve: Console Edition
Devil May Cry
Dyad
Borderlands 2
RESOGUN
Binary Domain
ibb & obb
Poker Night 2
Shadow of the Colossus
ICO
Galaga Legions DX
Uncharted 3: Drake's Deception
XCOM: Enemy Unknown
LittleBigPlanet: Karting
Urban Trial Freestyle PS Vita
Sonic @ All-Stars Racing Transformed
Oddworld: Stranger's Wrath HD
Wipeout 2048
Uncharted: Golden Abyss
Gravity Rush



**GameStop

God of War: Ascension (PS3) - $19.99
Tomb Raider (Xbox 360) - $14.99
Madden 11 (Pre-Owned)(PS3) - $1.00

Video Games Deals

Walmart Coupons
Q: why does best buy require entering DL # in their systems for returns?
Added on : Tuesday January 07th 2014 04:00:11 PM
g: 2 Posted By: xit
Views: 116 Replies: 6 I purchased some gifts at best buy for xmas. They verified my identity by comparing the cc to the DL but did not copy any info.
Tonight, I made a return of bose headphones and a couple of pre-paid phones. I had the original receipts and none of the boxes had been opened. These were duplicate gifts so I would be buying something else instead but not a best buy. The associate at the return counter asked to see my DL and attempted to take it out of my hand. I informed her she is welcome to verify my identity but due to identity theft issues that I've had before that none of the info could be scanned or entered into their computer. she told me she could not do the return without out. She called the store manager. He came up and gave me the same story. I offered to leave the merchandise and call AMEX. The store manager stated their return policy changed about a year ago and it requires them to enter the DL # in they system for returns. He told me I was welcome to talk to HQ (he didn't provide a contact). He also stated that I shouldn't do any returns if I'm not willing to have my DL entered in their system. He made an exception for me tonight and processed the returns without entering the DL but he asked for my phone number. I was already in their system by phone number.

I know some folks will call me names and accuse me of being paranoid. I just don't see the need to risk identity theft for a return. Costco never does this. I don't have a lot of returns and given this experience I'm not sure Best Buy is a good place for me to shop given their return policy.

why is the DL need to be entered in their system? I have no issue showing them my DL but I'm not comfortable with them entering my DL in their system due to recent security breaches at retailers (such as Target)
is there a contact at Best Buy HQ that I can talk to?

Discussion Deals
Interpreting Early IRA Distribution Rules for Education Expenses
Added on : Tuesday January 07th 2014 12:00:13 PM
g: 0 Posted By: Gauss44
Views: 53 Replies: 0 I withdrew money from an IRA to pay for expenses that may or may not be considered "educational expenses" by IRS's standards.

The IRS's rules are here:http://www.irs.gov/publications/p970/ch09.html

The most relevant part seems to be this line: "Qualified education expenses.For purposes of the 10% additional tax, these expenses are tuition, fees, books, supplies, and equipment required for enrollment or attendance at an eligible educational institution."

My situation: I have 2 kinds of educational expenses. 1. The first kind of expense is preparation for the MCAT exam. IMO, any tutoring, books, prep courses, etc. to prepare for the MCAT might be "required for enrollment or attendance at an eligible educational institution" because you cannot go to medical school without a satisfactory score on the MCAT. However, I suspect that while this might fit IRS's definition, it might not be what they meant when writing those rules. 2. The second type of educational expense I had in 2013 includes tutoring, a calculator, pens, and notebooks required to complete free online courses offered by MIT (Massachusetts Institute of Technology). I looked up the definition of "enroll" online and it didn't say that paying tuition is a requirement for "enrolling." Since I registered for these classes on the website, I wonder if I was "enrolled" for tax purposes. Since it says "enrolling or attending" I'm wondering if "attending" classes virtually by watching the classes online and taking part in online discussions counts.

I suspect that this is a "gray area" that IRS reps won't be helpful with or will have conflicting advice. Before checking with a tax attorney, I figured I would post this here to see if anyone else has had these questions in the past, in 2012 or whenever, and if you have an opinion about whether or not any of this qualifies as an "educational expense" by IRS's standards.

Tutoring was from Wyzant: www.wyzant.com
Free online courses were from MIT here:http://ocw.mit.edu/courses/
Investing Deals
How to confirm a credit union is insured by NCUA?
Added on : Tuesday January 07th 2014 03:00:06 AM
g: 0 Posted By: ussrfw
Views: 53 Replies: 1 I check the website of NCUA.
It seems not a link like FDIC says "Whether my bank is insured?".
How to confirm a credit union is insured by NCUA?

Thanks.
Question Deals
g: 0 Posted By: heyyl0w
Views: 165 Replies: 0 Familyvideo.com has Jaws: Universal 100th Anniversary Blu-Ray+DVD+Digital Copyfor $9.99 with $1.99 shipping.

"From the best-selling novel by Peter Benchley, Steven Spielberg directed this thrill ride of terror. During the height of beach season, the Massachusetts resort town of Amity Island is terrorized one summer by surprise attacks from a great white shark. Three unlikely partners team up to hunt down the rogue and destroy it: the new chief of police from New York (Roy Scheider), a young university-educated oceanographer (Richard Dreyfuss), and a crusty old-time fisherman (Robert Shaw). The film shoot was notoriously difficult for the young Spielberg, who had directed only one feature film before JAWS. The mechanical shark seldom operated correctly, and Spielberg was frequently forced to create the idea of terror without actually showing the shark. However, after the film premiered it went on to become the highest-grossing film of all time--surpassing THE GODFATHER and becoming the first film to gross more than a hundred million dollars. Composer John Williams created the score to JAWS, which has since become a well-known theme of impending doom. Ron and Valerie Taylor were responsible for filming live sharks in Australia; their sequences were later mixed with footage of the mechanical shark. "
DVD Deals
g: 1 Posted By: Tuba2
Views: 589 Replies: 1 Moosejaw.com has aNorth Face Women's RDT 300 Jacket (Brilliant Blue / Prussian)on sale for $74.99 - coupon code "DIMPLE" =$63.74 with FS.
Clothing Deals

Moosejaw Coupons
The North Face Women's RDT 300 Jacket - $63.74 with FS at Moosejaw.com
Added on : Monday January 06th 2014 08:00:07 AM
g: 0 Posted By: Tuba2
Views: 317 Replies: 1 Moosejaw.com has aNorth Face Women's RDT 300 Jacket (Brilliant Blue / Prussian) on sale for $74.99 - coupon code "DIMPLE" =$63.74 with FS.
Clothing Deals

Moosejaw Coupons
Free Verse-By-Verse Computer Bible Study Library CD-ROM
Added on : Monday January 06th 2014 07:00:15 AM
g: 2 Posted By: remick
Views: 170 Replies: 0 http://freebiblecommentary.org/us_request/forms/us_request.htm


The new free Verse-By-Verse Computer Bible Study Library CD-ROM and Bonus DVD by Dr. Bob Utley, retired Professor of Hermeneutics (Biblical Interpretation) contains over 8,000 pages of verse-by-verse exegetical Old Testament & New Testament commentaries as well as OT & NT Surveys. Also included are Bible commentaries in Afrikaans, Armenian, Amharic, Arabic, Bengali, Bulgarian, Burmese, Chinese, Croatian, Eritrean, Farsi, French, Hebrew, Hindi, Hungarian, Indonesian, Japanese, Malayalam, Mongolian, Nepali, Oriya, Oromo, Pashto, Portuguese, Romanian, Russian, Saraki, Serbian, Shona, Sindhi, Slovak, Somali, Spanish, Swahili, Tamil, Telugu, Thadou, Thai, Turkish and Vietnamese. The Bonus DVD contains more than 850 minutes of video and audio files from Dr. Bob's latest "You Can Understand the Bible" TM Bible Interpretation Seminar.
Totally Free Deals
g: 1 Posted By: slervik
Views: 155 Replies: 0 Musician's Friend has the Fender Blacktop Jaguar Black Rosewood HH Electric Guitar on sale for $399.99.

Series: Blacktop
Body shape: Jaguar
Body material: alder
Neck: maple
Neck finish: gloss urethane
Fretboard: rosewood
Position inlays: white dots
String nut: synthetic bone
Bridge pickup: Hot Vintage alnico humbucking pickup with nickel cover
Neck pickup: Hot Vintage alnico humbucking pickup with nickel cover
Pickup switching: 3-Position toggle: Position 1. Full bridge pickupPosition 2. Full neck & bridge pickupsPosition 3. Full neck pickup
Controls: Volume, tone 1 (neck pickup), tone 2 (bridge)
Hardware: nickel/chrome
Tuning keys: standard cast/sealed tuning machines
Bridge: Adjusto-Matic with Anchored Tail Piece
Strap buttons: vintage style
Control knobs: skirted amp knobs
Pickguard: 3-ply black Strings: Super 250L's, NPS (.009-.042 gauges)
Included accessories: truss rod adjustment wrench


Review: Fender

GUITAR LINK
Music Deals

Musician's Friend Coupons
Fund a new bank or credit union account via a credit card
Added on : Monday January 06th 2014 12:00:09 AM
g: 0 Posted By: ussrfw
Views: 59 Replies: 0 The online application section ofsome bank and credit union (like PNC)allows you to fund it via a credit card.
Whether it will be treated as purchase or cash advance?
I need tomake $5000 purchasewith my new Chase Ink Plus card to get the 50000 welcome points.
Thanks.
Question Deals
g: 0 Posted By: zimphella
Views: 63 Replies: 0 The Wonderful World of Dr. Seuss: 20-Hardcover Miniature Cover Box Set Collection @ Groupon - $29.99
Compare at $45.99
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Books Deals

Groupon Coupons
Possible AOR advice needed
Added on : Sunday January 05th 2014 02:00:05 PM
g: 0 Posted By: leknows
Views: 205 Replies: 3 Hello all,I am relatively new to the miles game, and I am looking for a little advice.

My family is flying to Seattle mid July from Austin (or I could go from Houston, as I have family there). I am contemplating getting a new credit card in my name and my wife's name for a hefty bonus to make the flights cheap (or free). I am hoping someone could help point us in the right direction. We have previously traveled via Southwest, but connections can be painful (we have 2 small children), so we are hoping to fly nonstop.

From Austin, Alaska is the only game in town (nonstop). And via houston it looks like Continental, Delta (or Southwest via Hobby).

I have the following (all family miles):SWest - less than 10k
Ultimate Rewards - about 150k (100k currently, and 50k more about to post)
Avios (BAirways) - about 100k
Marriott- about 70k

I currently have the following:
Ink Bold
Chase Sapphire (x2, wife and my name)
MarriottChase

In the past I have had:
Southwest Chase (x2, both canceled a month or so ago)
BA Chase (x2, both canceled about a year ago)

I was looking at the:
United Milesplus explorer (but looks like the current offer is only about 35k)

I would love any advice someone could give about what card to grab, I know there might be another Star Alliance card that would be helpful. I should have jumped on the Alaska 50k offer recently, but drug my feet too long, and now it is gone!Thanks in advance!

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

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

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

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

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

Meeting Spend:
For the current spend, I can wipe out the Cap1 VC with AP ($1k / month for three months). The remaining two - Arrival and SWA total $3k spend which in the next next three months equals to $1000/month everyday spending which is manageable without any undue effort.
Discussion Deals
Renter's Insurance: How to Best Document Belongings in Apartment
Added on : Saturday January 04th 2014 09:00:08 AM
g: 0 Posted By: Gauss44
Views: 7 Replies: 0 I am planning on purchasing insurance for an apartment I'm going to rent and live in. The insurance company suggested that I make a video of the apartment and the belongings in the apartment so that I can prove that I had belongings in case of a fire, serious flood, or other disaster that ruins belongings.

My question is about filming this video. For anyone who's done this before, do you suggest unpacking every last box in your storage room to film every last item? Did you go through your closet and boxes of clothes to film every name-brand tag on every piece of clothing? Where did you draw the line and where should you? How did you make your video?
Personal Finance Deals
g: 0 Posted By: gizmo
Views: 37 Replies: 0 FS with SYWM, Free store pickup or add $7.75 shipping. Check your SYWR account for points coupons.

Exclusive wreath gives you the technology to choose whether you have glowing warm white lights, beautiful multi colored lights, or a flashing pattern between the two styles.An exclusive remote control allows you to change your LED lights with the touch of a button
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+MORE






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Sears Coupons
g: 0 Posted By: remick
Views: 177 Replies: 1 Trusting God for Life to the Fullest
http://www.amazon.com/Thriving-Trusting-God-Life-Fullest-ebook/dp/B00B85M180

Jesus made believers a bold promise: life and life to the fullest. He offers us more than just barely getting by when challenges come our way. But that kind of life doesn't happen automatically. It takes knowing and using what Jesus offers.

Thriving equips readers to live the abundant life through leaning into the God who cares, knowing they are more than enough in Christ, and living the adventure of life in the Spirit. Author Nancy Grisham brings scriptural truths to the forefront. Using personal stories and insights, she helps readers appropriate Jesus's promise in their own lives. Each chapter concludes with a practical reflection and application section perfect for individual study or small group discussions.


10 Minutes a Day with Jesus
http://www.amazon.com/10-Minutes-Day-Jesus-Growing-ebook/dp/B00AKHM7HC

What difference can ten minutes a day make? Plenty, says Jim Reapsome. Especially if that ten minutes is devoted to getting to know Jesus better. In this fresh devotional, readers will find more than just pietistic platitudes to start the day. They'll ponder the question of what Jesus has to say to his followers living in a deeply troubled and hurting world. They'll explore some of his most important teachings. And they'll see how Jesus calls each of us to look beyond ourselves.
Anyone looking for a renewed passion for Jesus's message and a deeper understanding of his life will find both in 10 Minutes a Day with Jesus.




Also free at the time of posting:

In The Pit
http://www.amazon.com/Pit-Nancy-Hagerman-ebook/dp/B0071N8F0Q

In The Pit: A Testimony of Gods Faithfulness to a Bi-polar Christian, gives six practical steps that anyone can apply as they search for victory. The author, Nancy Hagerman, knows her subject well. The book details her struggle with bi-polar disorder from the brink of suicide to the heights of mania. Nancy found Jesus in that pit of despair. She learned that Jesus, instead of condemning her for lack of control, treasured her and wanted to help. Nancy offers much-needed help to Christians struggling with depression or mania, and to their families. This book will also prove to be a valuable resource to friends and family members as they seek to understand and support loved ones battling the illness.

"When you find your life turned upside down through a chemical imbalance, it poses many serious questions for the Christian believer. Nancy Hagerman, a faithful and spiritual woman of God, has been there. This book will bring understanding and hope to anyone struggling in this area." ~ Pastor Jim Hale, Spirit of Life Christian Fellowship


The Christian Professor in the Secular University: Singing and Soaring on Paths of Joy
http://www.amazon.com/Christian-Professor-Secular-University-Singing-ebook/dp/B00HIRCU6K

Finding creative ways to share his love of the Lord is a high priority for Dr. Keilstrup, and this book was written not only to share his memories with family, friends, and others of his generation but also to encourage all to find the joy that comes from God's blessings and their own sharing of faith through a variety of ministries.
Books Deals

Amazon Coupons
g: 0 Posted By: remick
Views: 201 Replies: 0 http://www.amazon.com/Impressive-Idiots-Veg-Recipes-Mohan-ebook/dp/B00HJ8XNSW


Top 30 Spanish Vegetarian Recipes in Just And Only 3 Steps
http://www.amazon.com/Spanish-Vegetarian-Recipes-Just-Steps-ebook/dp/B00HM9B30S

Top 30 Lebanese Vegetarian Recipes in Just And Only 3 Steps
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Top 30 Swedish Vegetarian Recipes in Just And Only 3 Steps
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Top 30 Russian Vegetarian Recipes in Just And Only 3 Steps
http://www.amazon.com/Russian-Vegetarian-Recipes-Steps-Most-Popular-ebook/dp/B00HMTEER2

Top 30 Tex-Mex Vegetarian Recipes in Just And Only 3 Steps
http://www.amazon.com/Tex-Mex-Vegetarian-Recipes-Just-Steps-ebook/dp/B00HL1TRBO

Top 30 GERMAN VEGETARIAN Recipes in Just And Only 3 Steps
http://www.amazon.com/GERMAN-VEGETARIAN-Recipes-Just-Steps-ebook/dp/B00HLKYGCU

Top 30 SCOTTISH VEGETARIAN Recipes in Just And Only 3 Steps
http://www.amazon.com/SCOTTISH-VEGETARIAN-Recipes-Just-Steps-ebook/dp/B00HLKY0SU

Top 30 Thai Vegetarian Recipes in Just And Only 3 Steps
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Raw Vegan Recipes: An indispensable guide for mental clarity, improving energy, weight loss, superfoods, herbs, and total body nourishment with the use of organic plants.
http://www.amazon.com/Raw-Vegan-Recipes-indispensable-nourishment-ebook/dp/B00HN2ZIP0

Breville presents Make It Vegan: Recipes from the Yiddish-speaking, Nebraska-living, post-punk vegan, Isa Chandra Moskowitz
http://www.amazon.com/Breville-presents-Make-Vegan-ebook/dp/B00GCMR3RI

Green Smoothie Recipes: Vegan Style! - The Complete Guide To Using Vegan Green Smoothies For Weight Loss, Detox and Vibrant Health! (My Vegan Weight Loss)
http://www.amazon.com/Green-Smoothie-Recipes-Smoothies-ebook/dp/B00EV1D8OO

50 Tofu Recipes - The Delicious Tofu Recipe Vegetarian Cookbook (Vegetarian Cookbook and Vegetarian Recipes Collection)
http://www.amazon.com/gp/product/B00EXVXSYW

Vegetarian and Salad Recipes - Israeli-Mediterranean Cookbook (Cook In Israel - Kosher Recipes, Mediterranean Cooking)
http://www.amazon.com/Vegetarian-Salad-Recipes-Israeli-Mediterranean-Mediterranean-ebook/dp/B00HJ3R022

Vegetarian Side Dishes: Delicious, Healthy Recipes to Add Variety to Any Meal (Healthy Natural Recipes Series)
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Macys.com Men's Accessories sale + 15% off
Added on : Thursday January 02nd 2014 06:00:03 PM
g: 0 Posted By: DaysFan
Views: 105 Replies: 0 http://www1.macys.com/shop/mens-clothing/mens-belts?id=47665&edge=hybrid

EXTRA 15% OFF ENDS TODAY!Enjoy 15% off select merchandise! CODE: NYEAR


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g: 0 Posted By: jessicadabears
Views: 175 Replies: 0 Gerber Short Sleeve Onesies One Piece Size 6 to 9 Months (5-Pack) for $9.99w/ Free Shipping at Buy Buy Baby.

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US Army Caught Pirating $180M in Software to save a buck
Added on : Thursday January 02nd 2014 01:00:04 PM
g: -1 Posted By: josh4606
Views: 63 Replies: 0 The US Army was recently caught pirating $180 million in software from a company named Apptricity. The Army ended up settling out of court for $50 million, which essentially meant a 73% discount on what it would have paid for Apptricity's services under fair circumstances. Lissette Padilla and Elliot Hills discuss how this settlement ended up saving taxpayers $130 million in this clip from the Lip News.

https://www.youtube.com/watch?v=uHbBtr0N4sc

Discussion Deals
Heavy Hitters of 2013 thread
Added on : Thursday January 02nd 2014 07:00:08 AM
g: 1 Posted By: brandon032586
Views: 225 Replies: 6 I know the last thread still has recent posts in it, but I wanted to start a new for the new year. The game changer (the Dodd Frank Act; I like to call it the one act to rule them all) significantly increased profits for everyone. I have thought about this and I feel there should be three levels of HH:

Low Level: $24,000 for the year. Easily reachable with bluebird+MO

Mid level: $48,000 for the year

The 1% of HH: $96,000 or more for the year.


I just came in below the Mid level amount for the year, hoping to get to 100k for 2014, but it will be tough to do.
Discussion Deals
Hamilton Honda, NJ south Timing belt for 389.99 ( Back again)
Added on : Wednesday January 01st 2014 08:00:11 AM
g: 1 Posted By: dontcare4myname
Views: 282 Replies: 1 Tming Belt coupon link

Please refer to the prior thread for more details:
Previous thread discussion

edison Honda matches any NJ dealer prices - link:Edison Hondas pricematch
Tools & Automotive Deals
Canon 2514A002 Canon EF 50mm f/1.8 II Camera Lens New 94.99 shipped @ moofi
Added on : Wednesday January 01st 2014 07:00:12 AM
g: 0 Posted By: whatsupwitdis
Views: 218 Replies: 0 ~50mm standard lens with f/1.8 maximum aperture
Traditional Gauss-type optical design is extremely sharp
Focuses as close as 18 inches for extreme close-ups
Autofocus: Yes
Ideal for natural-looking shots
Excellent color balance
Measures 2.7 inches in diameter.
linkage
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5-hour energy supplement claims possibly in their 11th hour
Added on : Wednesday January 01st 2014 12:00:06 AM
g: 0 Posted By: jeffwastaken
Views: 55 Replies: 0 article

oregon has taken the bull by the horns but 33 additional states are a party to the lawsuit which seeks to force 5-hour energy to completely and exactly disclose the contents in the bottle.
Discussion Deals
Hire your kids in your business for their IRA contribution
Added on : Tuesday December 31st 2013 12:00:08 PM
g: 0 Posted By: VAIndigo
Views: 154 Replies: 7 Came across this article and am surprised if it is that simple? Sounds very good to me and just wonder if there is any catch..

Having a one person S-Corp (IT Consulting) and two kids (10 and 5) can this be done? any success stories and pointers that need to be aware of ..
Any tips on what i can hire them for?

My objective is to fund their college into their Roth instead of 529 and disburse tax free ..what am i missing

http://beginnersinvest.about.com/od/rothira/a/Opening-A-Roth-IRA-For-Kids-Can-Help-Your-Children-Build-Serious-Wealth.htm
Discussion Deals
Stackable Rewards Programs
Added on : Tuesday December 31st 2013 12:00:05 AM
g: 1 Posted By: DrToxic
Views: 119 Replies: 0 Recently, I came across Southwest Airlines' Rapid Rewards Dining program,and it got me thinking. Because of how the Rapid Rewards Dining program works, you could potentially collect rewards points on your credit card, as well as collecting Rapid Rewards points for the amount you spent on your card at the restaurant, essentially double-dipping in rewards. Likewise, if a rewards program could be found for shopping somewhere online, one could, for example, enroll in that program, shop through Fat Wallet, and use their rewards cards to "triple-dip". Maybe this ideacould also apply to programs that give some kind of credit in a rebate or future discount form for previous purchases. Does anyone have any experience using programs that could yield this benefit, or know of any? I considered the UPromise program for example, a while back, but it didn't seem nearly rewarding enough...

I understand that the FWF is full of ideas like this, but I did not see a topic dealing with finding stackable programs specifically, so I created this thread. Let's pool our brain power and scour for some programs that might yield layers of benefits!
Discussion Deals
Can Robots Manage Your Money Better Than You?
Added on : Monday December 30th 2013 08:00:06 PM
g: 0 Posted By: theboogeyman
Views: 112 Replies: 0 Several new companies are designing intelligent algorithms that automatically manage your finances:

http://www.npr.org/blogs/alltechconsidered/2013/12/30/257551881/can-robots-manage-your-money-better-than-you-startups-say-yes

I can't believe NPR didn't ask one very important and obvious question (at least to me): Are the executives of these companies using these algorithms to manage their own investment accounts? I'll be convinced when they have enough faith in their products put their own money on the line. I'll manage my own accounts until then.
Discussion Deals
g: 0 Posted By: ArtieLange
Views: 306 Replies: 0 Searsis taking 83% off select Activewear. Even better, get an additional 15% off with coupon Code: "DECSAVE15" (Exp 12/31). Buy Online, Pick Up in Store.

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24 Free mp3s from Amazon - Artists to Watch
Added on : Monday December 30th 2013 12:00:06 PM
g: 0 Posted By: remick
Views: 204 Replies: 0 http://www.amazon.com/b/ref=dm_hp_1226_atw?ie=UTF8&node=7933257011&pf_rd_m=ATVPDKIKX0DER&pf_rd_s=merchandised-search-2&pf_rd_r=1FCAW0DYWV1AX2XJHZ4X&pf_rd_t=101&pf_rd_p=1695771982&pf_rd_i=163856011

Coast to Coast - Waxahatchee
Deficit- Russian Circles
Ghosts - On An On
Canary Island - Houndstooth
The Swan [Explicit] - Cheatahs
Behind the Light - Red Fang
Games - Claire
Defeated No More [feat. Edward Macfarlane] - Disclosure
Dust in the Gold Sack - Swearin'
Awaken the Serpent - Toxic Holocaust
Dark Star - Jaymes Young
Demons - Jessica Hernandez & the Deltas
Run - Dale Earnhardt Jr. Jr.
Tiny Raindrop - Balance And Composure
Desire [Explicit] - Meg Myers
Swift Arrows - Shelby Earl
Never Give In - Will Hoge
Boston Square - Deaf Havana
Black Widow - Superhumanoids
Tony's Song - Tijuana Panthers
Got It Wrong - The Wild Feathers
Lightning - Nico Vega
Let God Lead [Clean] - Jon Batiste and Stay Human
Ritmo De Amor - Los Macuanos
Movies & Music Deals
Woodman's Coupons Doubling
Added on : Monday December 30th 2013 11:00:05 AM
g: 0 Posted By: slervik
Views: 133 Replies: 1 So, I was strolling through Woodman's the other day, and I found out from a cashier that customers are able to double their coupons with those that Woodman's hangs up with their logos on them, with manufacturers coupons that come in papers, internet, etc. You can definitely get some pretty good deals from doing this. Just thought I'd fill everyone in.

Note: Woodman's Grocery Stores are available in and around Wisconsin.
Discussion Deals
Thank you FW members - How did I better my life
Added on : Monday December 30th 2013 10:00:06 AM
g: 0 Posted By: jba
Views: 101 Replies: 0 Thank you FW!

There are certain advancements in my financial life and it would not have made possible without your expert (selfless) advice. Some of them are:

Don't pay off mortgage. Its free money over the years and reinvest. I have made 3x of my investments.
Deals! Deals! Save $$$ on items i need to buy.
Buy only essential and get family latched onto FW posts.
Lots of advices on my few problems (check my past posts).

Thank you! fellow FW members.

Please add yours and appreciate the community.
Discussion Deals
Important files and passwords
Added on : Monday December 30th 2013 06:00:10 AM
g: 0 Posted By: samandy
Views: 83 Replies: 3 With cloud and web 24 x7, how do you remember store your passwords securely?
How do you protect your soft copies?
Which banks /email accounts offer double protection (One time password to email) or text message before every login>

Few of the ideas I was thinking :
1) Files on password protected hard drives andpasswordprotected fileswheneverpossible. But where do you store all PWs
2) Use double protection whenever possible

Ideas are welcome!!

Discussion Deals
g: 0 Posted By: remick
Views: 233 Replies: 0 http://www.amazon.com/Sensor-Technologies-Healthcare-Environmental-Applications-ebook/dp/B00EBCGHZA

Sensor Technologies: Healthcare, Wellness and Environmental Applications will discuss the key aspects of sensor technologies, covering wired, wireless, and discrete sensors for the specific application domains of healthcare, wellness and environmental sensing. It references the social, regulatory, and design considerations; specific to these domains.

The book provides an application-based approach using real world examples to illustrate the application of sensor technologies in a practical and experiential manner. The book will guide the reader from the formulation of the research question, through the design and validation process to the deployment and management phase of a sensor application. The processes and examples used in the book will be primarily based on research carried out by Intel or by joint academic research programs.
Books Deals

Amazon Coupons
g: 0 Posted By: remick
Views: 209 Replies: 0 http://www.amazon.com/Instant-Family-Devotions-Discussions-Anywhere-ebook/dp/B0080K3SA6

4.4 out of 5 stars (9 customer reviews)

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

All 52 studies require zero pre-session preparation and can be used in a variety of settings and times--around the dinner table, during family-night activities, or just before bedtime. They are also perfect for impromptu lessons in Sunday school classes and elementary-aged youth groups.
Books Deals

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Career Thoughts and Compensation - 2013 Edition
Added on : Sunday December 29th 2013 07:00:08 AM
g: 0 Posted By: zhelder
Views: 250 Replies: 1 Greetings and Happy New Year! It's time to start the 2013 Career Thoughts and Compensation Thread! I started doing these threads annually on the FatWallet Finance board in 2006. When I originally started this thread, I thought that it could serve as a great resource for people to learn about the ups and downs of various careers, including information such as salaries and benefits. Over the years, a wide variety of people in all sorts of careers have contributed to these threads, and it's my hope that these threads have proven to be a valuable resource for those who are contemplating their career options.

DA RULES:

If you participate, please try to keep this a positive, informative thread, and let's not get into any arguments about how one's career/education/compensation makes him/her superior/inferior to other people. Please do not insult people by claiming they are overpaid, do no work, etc. Contribute as much or as little information as you're comfortable sharing, but please be honest so that this may serve as a truly informative thread for people mulling their career options.

So, now that the ground rules have been set, how did your job go this year? Did things go well or not so well? How well were you compensated for 2013? Did the poor (but allegedly improving) economy have a serious effect on your career? Maybe each person can give a brief description of themselves, their job, their education levels, and their salaries, present and maybe even projected salaries for the future. As always, since I'm starting the thread, I have to bite first:

Gender: Male

Age: 41

Location: Northern NJ

Occupation: Urban Educator (My fancy title for a teacher in a city of low socioeconomic standing)

Education: M.A., plus 33 additional credits

2013 Compensation: $101,600 - Pretty much base pay. Not too much extra $$$ this year.

Future Salary Projection: Not too much further to go from here in my current position. Salary will go up maybe $3000 next year. Then, it might go up $1700 or $1800 per year.

Benefits: Full medical, although teachers in NJ now have to pay a percentage of their salaries for their medical benefits. (It's currently based on a sliding scale, based on income, but no less than 1.5% of base salary.) We get modest dental, generous sick and personal time, a decent pension plan (at least if the state doesn't default on the benefits). While teachers still get tenure in most states, the protections afforded by tenure have been significantly weakened in many states, including NJ.

What's the job like?

Very difficult and getting more difficult by the year. Tremendously long hours, almost no down time during the school day (I don't take lunch very often), lots of work at home, deplorable working conditions, with some classrooms reaching temperatures of 90+ degrees and others below freezing. You will also most likely need to spend a decent amount of money on supplies for students because your school won't provide them, even though they insist on your using them. Very little respect and support from most supervisors, parents, and students, although I will admit that things seem to have gotten a hair better between teachers and administration in my district (overall, anyway).

Revision of tenure laws and new evaluation systems have made a very difficult job even more difficult.

Would you recommend the career to others?

Every year, my recommendation for entering education has become a little less enthusiastic. At this point, I have to say that I can't recommend education as a career, at least until things change significantly. The public employee bashing in the U.S. is still strong, with teachers still at the top of the "Bash List", and it doesn't look like attitudes are going to change anytime soon.

The weakened tenure laws and new evaluation systems have exacerbated an already tough situation. IMHO, these changes aren't meant to improve educators. They're meant to enrich private corporations (the testing and evaluation companies are making gobs of money off the schools), and to make it easier to weed out older, higher paid teachers (like me).

This is not an easy job. If you're doing it correctly, it's at least a 50-60 hour a week job, and it's 50-60 hours of grueling work. Teachers in urban districts in particular have taken a real beating. They are expected to be miracle workers, solving all of our society's ills. And, sadly, new workers are likely going to suffer the most. NJ has already cut pension benefits and increased retirement ages for newer workers, and, honestly, it wouldn't surprise me to see pensions eliminated for new employees as well as two or three different salary tiers for teachers based on their time of service in the near future.

If you still want to go into education, be prepared for a very tough road ahead.
Discussion Deals
g: 0 Posted By: DaysFan
Views: 249 Replies: 0 http://www.sears.com/clothing-men-s-pants&Dresswear_Dockers_Sears/b-1020818?filter=Occasion_Brand_storeOrigin&keywordSearch=false&previousSort=ORIGINAL_SORT_ORDER&viewItems=50

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Delaying a Short Sale from hitting the courthouse auctions
Added on : Sunday December 29th 2013 06:00:06 AM
g: 0 Posted By: alamo11
Views: 25 Replies: 0 Hello Everyone!

Since in my area this has been an issue lately, I thought I'd make a thread where us investors can discuss how to prevent this from happening. For example there's a property with Chase I'm looking at. Offered at full list (320k) Thursday; signed, sealed, and delivered Friday. Auction is on Monday. Any tips on how to stop this? Attorney is on the case. Owner is going to trash the place right after the auction takes place..

Grad Student Goes to Extreme to Pay off Stu Loan Debt
Added on : Sunday December 29th 2013 06:00:06 AM
g: 0 Posted By: tolamapS
Views: 97 Replies: 0 From yahoo:

http://finance.yahoo.com/news/duke-grad-student-secretly-lived-i...

Duke Grad Student Secretly Lived in a Van to Avoid Debt.

Summary:
- undergraduate major in History and English, racks up $30K in debt,
- upon graduation, gets rejected from 25 paid internships,
- has a stint pushing carts at $8 / hour at HomeDepot; gets depressed,
- goes to Alaska to work in an environment with no stores within 250 miles, no cell service, no place to spend money, and room / board paid; saves everything earned, and uses to pay off stu debt,
- enrolls in grad school at Duke, but lives in a van to avoid taking additional debt.

Read the rest of the story to see play-by-play of how he managed to live in the van.

"Kudos" to Duke University for "worrying" that he might hurt himself once they found out he lived in a van. Hence, they asked him to sign a waiver that if he got hurt, he won't sue the University. Nicely done, Duke University!
Discussion Deals
​The North Face Alpine Short - Men's $32.48
Added on : Sunday December 29th 2013 06:00:01 AM
g: 0 Posted By: tedhawkins
Views: 44 Replies: 0 the north face Alpine Short - Men's $32.48

http://www.backcountry.com/the-north-face-alpine-short-mens

Whether you're on a mission to bag a few fourteeners this summer or simply need to stretch your legs after a day of office work, slip on the north face Men's Alpine Short and hit the trail.

A DWR coating sheds lightly falling rain
Lightweight, quick-dry, four-way-stretch nylon handles hikes, bouldering sessions, and impromptu ball games at the park
UPF 50-rated fabric shields your skin from the sun's harmful UV rays
Active fit and gusseted crotch provide plenty of unrestricted movement
Waist snap closure and belt loops offer a secure, comfortable fit
Secure infused rear pocket and hand pockets stash your cell, wallet, and keys
g: 7 Posted By: remick
Views: 776 Replies: 3 http://www.amazon.com/Hunters-Guide-Shotguns-Upland-Game-ebook/dp/B00DJ5RZEW

Recommendations for purchasing the ultimate all-around shotgun
The best shot to use for quail, grouse, woodcock, partridge, doves, pheasants, and rabbits
Instruction on handloading to tailor shells to different birds and situations
Hunter's Guide to Shotguns for Upland Game is a valuable reference that educates hunters about how to find the perfect shotgun to match their needs. The book takes a pragmatic approach for the average hunter looking to get the most bang for his buck and shows that hunters don't have to break the bank to buy a versatile shotgun. It discusses the best guns for various species of upland game and examines the all-important criteria for choosing a shotgun: the hunter's physique, preferred action type and gauge, gun features, price range, whether or not he's hunting with dogs, and other possible uses for the gun such as deer hunting or clay Target games. Profiles of major manufacturers and models showcase a wide variety of shotguns to give readers a good idea of the relative strengths and weaknesses of available products. Once a hunter has selected a shotgun, he will discover how to use custom loads and make modifications to personalize his gun and improve its performance.


Deer Hunting Secrets [Kindle Edition]
http://www.amazon.com/Deer-Hunting-Secrets-Joe-Pineland-ebook/dp/B00DEXCOQS

Learn what it takes to become a legend at hunting whitetail! Let me be your guide. I have been where you are and I know where you want to go.
Growing up in a hunting family with just about everyone being a hunter and having so many diverse ideas about hunting was priceless. And over the years I have met some amazing hunters all over North America. I would like to share with you everything Ive learned from the legends Ive known, and of course everything from my own fantastic hunting success.
Now you can gain in a short period of time, what has taken me years to accomplish.

The 10 Sins of Turkey Hunting with Preston Pittman [Kindle Edition]
http://www.amazon.com/Turkey-Hunting-Preston-Pittman-ebook/dp/B00D7NQFS8

If you dont commit one of the 10 sins of turkey hunting, your chances of bagging a gobbler go up by at least 500 percent. If you go back and replay all the turkey hunts youve been on and failed to bag a bird that youve heard gobble, more than likely youll be able to identify one of these 10 sins that has caused you not to be successful. The 10 Sins of Turkey Hunting is just one of the chapters from How to Hunt Turkeys With World Champion Preston Pittman, where Preston shares more of his knowledge and wisdom from hunting turkeys, winning calling contests and being a turkey call manufacturer for many years.

Gun Safety Guide [Kindle Edition]
http://www.amazon.com/Gun-Safety-Guide-ebook/dp/B00BGH9ECG/

How to Smoke Salmon: an American Indian Guide to Smoking Salmon [Kindle Edition]
http://www.amazon.com/How-Smoke-Salmon-American-Smoking-ebook/dp/B00H7JHQGI

If you are serious about smoking salmon and want to learn how to smoke salmon then this book is for you. This is an introduction as there is a lot to learn. This book draws on more than 10,000 years of ancestral knowledge from Alaska and the Yukon.
Men and Women have been smoking salmon for thousands and thousands of years. Cory Mann / Gutchqena, a Native American, walks you through how to create and obtain smoked fish from an Alaska / Yukon Tlingit American Indian point of view.
Cory Mann / Gutchquena directed the award winning documentary movie Smokin Fish. There is a shorter version on PBS and it is all about Smoking Salmon and this book takes off where that movie falls short. Like the movie this book is a bit of a comedy as well.


Books Deals

Amazon Coupons
g: 1 Posted By: remick
Views: 303 Replies: 1 http://www.amazon.com/Hunters-Guide-Shotguns-Upland-Game-ebook/dp/B00DJ5RZEW

Recommendations for purchasing the ultimate all-around shotgun
The best shot to use for quail, grouse, woodcock, partridge, doves, pheasants, and rabbits
Instruction on handloading to tailor shells to different birds and situations
Hunter's Guide to Shotguns for Upland Game is a valuable reference that educates hunters about how to find the perfect shotgun to match their needs. The book takes a pragmatic approach for the average hunter looking to get the most bang for his buck and shows that hunters don't have to break the bank to buy a versatile shotgun. It discusses the best guns for various species of upland game and examines the all-important criteria for choosing a shotgun: the hunter's physique, preferred action type and gauge, gun features, price range, whether or not he's hunting with dogs, and other possible uses for the gun such as deer hunting or clay Target games. Profiles of major manufacturers and models showcase a wide variety of shotguns to give readers a good idea of the relative strengths and weaknesses of available products. Once a hunter has selected a shotgun, he will discover how to use custom loads and make modifications to personalize his gun and improve its performance.


Deer Hunting Secrets [Kindle Edition]
http://www.amazon.com/Deer-Hunting-Secrets-Joe-Pineland-ebook/dp/B00DEXCOQS

Learn what it takes to become a legend at hunting whitetail! Let me be your guide. I have been where you are and I know where you want to go.
Growing up in a hunting family with just about everyone being a hunter and having so many diverse ideas about hunting was priceless. And over the years I have met some amazing hunters all over North America. I would like to share with you everything Ive learned from the legends Ive known, and of course everything from my own fantastic hunting success.
Now you can gain in a short period of time, what has taken me years to accomplish.

The 10 Sins of Turkey Hunting with Preston Pittman [Kindle Edition]
http://www.amazon.com/Turkey-Hunting-Preston-Pittman-ebook/dp/B00D7NQFS8

If you dont commit one of the 10 sins of turkey hunting, your chances of bagging a gobbler go up by at least 500 percent. If you go back and replay all the turkey hunts youve been on and failed to bag a bird that youve heard gobble, more than likely youll be able to identify one of these 10 sins that has caused you not to be successful. The 10 Sins of Turkey Hunting is just one of the chapters from How to Hunt Turkeys With World Champion Preston Pittman, where Preston shares more of his knowledge and wisdom from hunting turkeys, winning calling contests and being a turkey call manufacturer for many years.

Gun Safety Guide [Kindle Edition]
http://www.amazon.com/Gun-Safety-Guide-ebook/dp/B00BGH9ECG/




Books Deals

Amazon Coupons
g: 0 Posted By: remick
Views: 18 Replies: 0 http://www.amazon.com/Hunters-Guide-Shotguns-Upland-Game-ebook/dp/B00DJ5RZEW


Recommendations for purchasing the ultimate all-around shotgun
The best shot to use for quail, grouse, woodcock, partridge, doves, pheasants, and rabbits
Instruction on handloading to tailor shells to different birds and situations
Hunter's Guide to Shotguns for Upland Game is a valuable reference that educates hunters about how to find the perfect shotgun to match their needs. The book takes a pragmatic approach for the average hunter looking to get the most bang for his buck and shows that hunters don't have to break the bank to buy a versatile shotgun. It discusses the best guns for various species of upland game and examines the all-important criteria for choosing a shotgun: the hunter's physique, preferred action type and gauge, gun features, price range, whether or not he's hunting with dogs, and other possible uses for the gun such as deer hunting or clay Target games. Profiles of major manufacturers and models showcase a wide variety of shotguns to give readers a good idea of the relative strengths and weaknesses of available products. Once a hunter has selected a shotgun, he will discover how to use custom loads and make modifications to personalize his gun and improve its performance.
Books Deals

Amazon Coupons
HELP Needed Understanding Wash Sale Rules
Added on : Saturday December 28th 2013 05:00:05 PM
g: 0 Posted By: fwbuckeye
Views: 69 Replies: 2 So I have read this http://www.tradelogsoftware.com/resources/definitive-guide-to-wa... and other sites http://www.schwab.com/public/schwab/resource_center/expert_insig... about wash sale rules and i am still a little confused. Here is my situation, I bought and sold various stocks in a cash account making a decent gain throughout the year in september and november i bought positions in a new stock. These positions are since down about 40%. Now I bought this stock at various levels on the way down so the initial large purchase has a huge loss but subsequent losses are smaller. So far it's all clear, the tricky part is I also bought the same stock in my Roth IRA and SEP IRA (again a few months ago). I would like to sell the cash account position (if possible only the first purchased one --largest loss to offset the capital gains in other stocks throughout the year). I would like to keep the IRA positions. Everything I read seems to say close out all open positions in which you are taking a large capital loss by the end of the year--I don't think the IRS mandates this but it seems to be general advice. I think the stock will rebound within the next year so I would like to keep the IRA positions since I get no losses from them. I don't want to do anything to jeopardize the large capital loss though so if there's any chance that something will be questioned, I would liquidate the IRA positions. I do plan on buying this stock again in February after the 31 day period has lapsed. Can someone with some experience in this clarify whether I need to sell my IRA holdings if I'm taking the loss and also whether I can keep an open position in the stock (ie some shares I purchased in November and sell only the ones I bought in September). I have about 2 trading days to decide so any help soon would be appreciated.
Discussion Deals
Rite Aid 1/5 - 1/11
Added on : Saturday December 28th 2013 09:00:05 AM
g: 0 Posted By: MrVietnam
Views: 80 Replies: 0 Week 2 of the +UP Rewards Games (They run from 12/29-1/25/14).

Looks like the same Nicorette/Nicoderm deal from the week of 12/29:

Buy 5 Nicorette/Nicoderm that's part of the up rewards games at $39.99 $199.95
Buy something that's .99 that's part of the up rewards games
=$200.94
-5 $15/1 manu q from the 12/29 Parade magazine
-5 $5/1 Dec. VV or Jan. VV
-$50 in ups
=$50.94 for 5 Nicorettes/Nicoderms and the $.99 item

Also looks like the Rogaine will be a part of the up reward games and is a DD with the $10 wyb $30 up. Hopefully there's a MIR for it as well as the likely $10 manu q.

Wow, Free Vitamins to roll up those ups from the reward games, unless there's a manu q that makes them a MM.
Discussion Deals
Rite Aid +UP Reward Games 2014 Earn Up to $50 in +UP Rewards 12/29-1/25
Added on : Saturday December 28th 2013 07:00:14 AM
g: 0 Posted By: MISTERCHEAP
Views: 128 Replies: 1 Rite Aid +UP Reward Games 2014Starting Sunday, 12/29, Rite Aid will kick off their +UP Reward Games promotion. The promotion will run through Saturday, 1/25/14. During this time, Rite Aid wellness+ members can receive up to $50 in +UP Rewards onthousandsof items.The following are the +UP Rewards that can be earned during the promotional period:

Spend $100, receive $15 in +UP Rewards
Spend $150, receive $30 total in +UP Reward
Spend $200, receive $50 total in +UP Rewards

*These +UP Rewards can be earned over a period of time, but please note that the +UP Rewards do still expire after 14 days.There are thousands of products that can help you reach your +UP goal. Simply look for the Buy & Earn badge in-store for participating items! You can also see a complete list of the+UP Reward Games Participating Products.

thnx lrwc/cindy
Discussion Deals
Possible settlement with ex-employer what to ask about
Added on : Saturday December 28th 2013 07:00:13 AM
g: 2 Posted By: 77Rus
Views: 200 Replies: 6 Was asked to resign or to be terminated on the spot in October after spending 8+ years with a large company (internal IT department).
Took my case to Equal Employment Opportunity Commission (the only Russian-American of 700 people; new CIO with 12 years of military service during Cold War got totally crazy after finding out that I have concealed weapon permit and allowed to keep firearms in my car after a newstate gun law took effect in August told everybody that I will be killing people one day; started lying about me to senior management; made me to resign after Ive complained to CEO; when still employed for another 3 weeks, they ordered a security with a revolver to escort me to my car in front of everybody first time in history).

We will have mediation at some point in about 2 months. I want my job back. CEO has called me that they can't - CIO doesn't want me. EEOC folkssee a constructive discharge, and said that unless the company takes me back, they will have to offer me a financial compensation of some sort (the company is extremely profitable, but it is not the point Id rather take my job back ).

The question I have, dear FW people: what is right compensation to ask about if they dont take me back? I dont have a job since then (may get it next month), not eligible for unemployment, no health insurance etc. Somebody said I can only ask for actual financial damages. Another person said to ask for 12 months of pay (I was making around $42K plus overtime). Another person said to sue hell out of them, including punitive damages. Unless they object and the case goes to court, I will be glad to settle for 12 months pay. Do you think it is reasonable? Anybody has experience with EEOC mediation process?
Thank you
Personal Finance Deals
eBay bucks big changes 1/1/14 (no payout under $5, eBay motors removed)
Added on : Saturday December 28th 2013 06:00:05 AM
g: 0 Posted By: 77Rus
Views: 85 Replies: 1 Just got an email:

Were writing to let you know about upcoming changes to the eBay Bucks Rewards Program. In order to continue offering meaningful benefits, we regularly look at the programs performance to learn where changes are necessary. As a result of our latest program review, the eBay Bucks Certificates to be issued for the quarter ending December 31, 2013, will be the last sent for Rewards that total less than $5.00.Effective January 1, 2014, program members must earn a minimum of $5.00 in eBay Bucks during a quarterly Earn Period in order to receive a Certificate at the end of the period. Quarterly balances below the $5.00 threshold will be forfeited.Also effective January 1, 2014, purchases from eBay Motors Parts & Accessories will not be eligible for Rewards.To learn more about these changes, please visit our Frequently Asked Questions page, and review the updated eBay Bucks Terms & Conditions.As always, please know that we appreciate your eBay Bucks membership, and look forward to rewarding your participation with significant benefits.Sincerely,eBay Bucks Team

Discussion Deals
Any ideas to exit a naked option position early?
Added on : Saturday December 28th 2013 06:00:05 AM
g: 0 Posted By: spiffyjwc
Views: 83 Replies: 2 I bought a naked call position for a january 2014 strike that is now out of the money and without buyers. As it was essentially a lotto ticket, I'm not bothered much by the loss, except I'd like to find a way to eat this loss now to offset my 2013 gains as opposed to 2014. My broker wont do a discard of worthless securities for the option, so i was wondering if anyone had any other ideas to liquidate this instead of waiting for it to expire?
Discussion Deals
Going to be in Mexico between Jan 3 and Jan 15
Added on : Friday December 27th 2013 12:00:11 PM
g: 0 Posted By: protomind
Views: 56 Replies: 0 I am going to mexico and would like to be able to use a phone while there. Ideally I would use my own number while there. I use an iphone and I am on ATT network.
I have heard that an ATT go phone would work there, I wonder if I could put an ATT go phone sim in my phone while I am there. Any ideas?

I will be in Playa Del Carmen FYI
Discussion Deals
New comissionless broker- Robinhood
Added on : Thursday December 26th 2013 10:00:08 AM
g: 0 Posted By: cheezedawg
Views: 84 Replies: 2 Haven't seen this discussed here yet- this is a new startup with some good funding that promises to offer commission free stock trades. They claim that they will make money on margin balances and API access some other "premium features".

https://www.robinhood.io/


General Economics Deals
g: 0 Posted By: itsausername
Views: 139 Replies: 0 In the wake of yet another instance of widespread data compromise for the purposes of financial fraud, I thought we should have a discussion of information security as viewed mainly from a financial perspective. While in the case of the Target_ compromise, there may be little that we can personally do to avoid a repeat, the more routine sorts of fraud are more readily influenced by individual behavior.

None of this is particularly new as I expect that it has been repeatedly discussed over time in disparate threads of this board. I would like a more concentrated form of that to be established here.

Financial security is often compromised by our own activities and careless guarding of related details. Not all of this is even under our direct control, but being circumspect about what we can protect is crucial_.

If someone has targeted you for theft, be it digital or otherwise, it is likely you will be compromised to some extent. Over the years, many of our personal details become widely distributed. Further, information aggregation business are out there, simplifying research done by others, including unscrupulous parties.

Most of what I'm concerned about herein is the prevention of casual/incidental abuses that stem from our personal lapses in privacy/security.

Has all this worked for me? Yes and no. Over the years, I've had the occasionally fraudulent CC charge appear and have always been able to get it expunged, sometimes also replacing the related card. So far so good, but the less of it the better.

Also, I don't do all of these things. This is time consuming and somewhat endless due to the moving target_ that is the information age. Securing things often means much less convenience will follow; it is a balance to be sure. Yet I do much of the below and am interested in seeing what others do in addition to this and/or how the FWF community adapts them to their own situations.

The better content should be placed in the quick summary along with proper credits to their posters since reading a long thread (if this becomes that) is not something a lot of casual readers will be inclined to do.

What follows is my personal list, many aspects of which are 'obvious' or will surely not suit others here. It is also far from comprehensive but provides a discussion starting point. To each his own, of course:
:
Online accounts

userid/password/security keys
- Randomize them all, make them strong! After that, you'll probably need to look them up with each usage or trust an account management program. Backups will become crucial_.
- Avoid use of the same entries across multiple sites.
- Verification questions need not have relevant answers. E.g.: What was your first pet's name? "^BxaAp43O", sure seems like a mouthful, but it's more secure than 'Spot'.
- Secondary security elements may be simple/weak as long as they are encapsulated by a strong initial layer which itself cannot be bypassed. I'll leave the 'connecting of dots' to the reader, but the next topic is one encapsulation method I like.

Encryption

Use TrueCrypt; learn how to apply it. Protect all media containing financial information. Specifically, I suggest usage of device level encryption. If not TC, use what you like, but encrypt that financial data! I personally question the strength of Microsoft Office's (and other application suites) built in file encryption/password protection, but something is better than nothing. Do it. Do it now.
Selectively encrypting your email is nice too, but should be rarely need and often means educating recipients which can be royally painful. As an alternative, call or visit the other party if it is necessary to convey sensitive information. Never plain text email account credentials to anyone. Use your online account's 'secure email' option when communicating with your financial institutions.

Digital backup

Use the 'cloud' to store strongly encrypted backups and keep them current. Such could even be posted to Usenet. Trust in your encryption, not the service provider.
Store copies on solid state media like USB sticks. I've had sticks go through the laundry and survive unscathed, but all things fail so treat accordingly.
- Off-site a routinely refreshed copy, e.g. work/home exchange of a pair of encrypted sticks.

Physical records

Shred them before you throw them out: bills, application forms, courtesy checks, statements, etc.
- Storage should not be on the kitchen counter for any persons to see/browse/appropriate; keep them under lock and key and destroy when no longer useful.
- Consider elimination of billing statements via auto pay methods.
Alter the CVV codes on the back of your physical cards. Adopt a secret method of alteration and write the new number in place of the original. Writing an altered form of that often forgotten or rarely used ATM/Debit card PIN on the card itself becomes relatively safe to do as well. While I'm on the topic, don't sign your CCs, it often causes cashiers to check for photo ID. A thief can sign it of course, but it would provide more evidence that you did not authorize the usage in the event of a signature verification.

Email

Limit what details are routinely sent to your email account by bill payment systems.
- Providers, among others, all along the delivery chain are known to do 'market research' via scans of your email content; this is *not* encrypted. Consider what you receive/send by email as equivalent to having been posted on a public bulletin board.

Swipes

Inspect publicly accessible readers (e.g. pumps, ATMs) for skimming paraphernalia. The 'good stuff' may be hard to spot, but observation over time at the same device can help you recognize 'normal' and give pause when something has changed.

Online CC

When available, use the virtual account number features of your CC provider.
- Setting a preauthorize transaction limit and near-term expiration can prevent all sorts of unauthorized tomfoolery.
Avoid saving/registering payment details such as card numbers with each vendor.

Other access restriction*

Disable the cash advance feature of your CC if you don't intend to use it. A call to the issuing bank or online secure email may be all it takes to set this limit to $0. Bonus to doing this is that charges which are not known to be cash advances at the time of the attempt will be declined, avoiding the related advance fee which is often quite substantial.
Disable the debit card functionality of ATM cards if you don't need it. Many ATM debit cards have VISA/MC logos and can be used in credit mode instead. Loosing possession of your card while it has debit enable features can lead to the quick zeroing of your associated account balance.

* It has been my experience that some banks will refuse to do either of the above. So much for consumer focus.

Aggregators

Find them and request that your records be excluded from searches. I leave it to the community to indicated which providers to pursue for this and give related (if any) links/instructions. I'm lazy like that. This would be good content for the quick summary.
Wallet services - one stop shops are run by someone, probably many someone's, all with administrative rights to your account details. How much trust are you willing to seed in them?

Monitoring

Credit/account monitoring services let you know when there is suspicious activity and/or new credit inquiries going on. They can help resolve issues too. I'm personally on the fence regarding these and generally not willing pay for the benefit. They are yet another aggregator like group, but ostensibly 'on your side'.
Some people go as far as placing a security freeze on their accounts for each of the big three credit reporting companies. I've heard third hand that it may require some type of adverse action before it is permitted. Experian's Description

RFID enabled devices/documents

For example, gas pump dongles. Maybe this is more a matter of paranoia, but be aware that it's always 'on' and can be scanned without your knowledge. Not only gas pumps do this.
These chips can be intentionally burnt out or masked if you're sufficiently concerned. I might like to do that to a passport, but doing so may substantially slow usage at the border.

Miscellanea

When all else fails, cash is king?


Let the constructive criticism barrage begin...


General questions for the community:

Which privacy/security practices are of the highest value in return for their corresponding effort to maintain?
How should incapacitation/death be handled, when another trusted party needs to know?


PS: I realize that this discussion scope is in danger of being far too broad already, so though it seems a logical follow up question, I suggest we avoid the 'what do I do now that I have been compromised?' tangents, focusing instead on prevention versus remediation.
Discussion Deals
Stamp prices to go up nearly 7% on Jan. 26
Added on : Tuesday December 24th 2013 02:00:04 PM
g: 1 Posted By: Krazen1211
Views: 252 Replies: 5 Normally its a poor idea to stock up on stamps, which have historically risen at inflation rates.

But, this is a rather large increase. I think I might grab 4 booklets or so.


LinkRegulators on Tuesday approved a temporary price hike of 3 cents for a first-class stamp, bringing the charge to 49 cents a letter in an effort to help the Postal Service recover from severe mail decreases brought on by the 2008 economic downturn.Many consumers won't feel the price increase immediately. Forever stamps, good for first-class postage whatever the future rate, can be purchased at the lower price until the new rate is effective Jan. 26.
Discussion Deals
Oreck codes - price mistake? (stackable codes)
Added on : Tuesday December 24th 2013 05:00:02 AM
g: 0 Posted By: bittul
Views: 209 Replies: 2 copied/pasted from chuck4rooke @ SD. (quite a discussion there)

www.oreck.com has several stackable codes for their products:
Holiday1 - may not be stackable. Remove the discount if it comes up with an "Oops..." message.
Holiday2, Holiday4, Holiday5, Holiday6 - all 20% codes that are stackable.

For example, you can score their Oreck Orbiter Ultra Multi-Purpose Floor Machine, ORB700MB, for $204.78. Normally $399-499.

Or the Oreck Orbiter Multi-Purpose Floor Machine for $163.82.

Lots of vacuums, HEPA air purifiers, etc. All on sale.
Home & Garden Deals
g: 0 Posted By: vnuts21
Views: 87 Replies: 0 Pardon the lengthy post, but I wanted to get some general advice on how best to prepare for buying our first home in the next few years. Ages: 26 (Me), 27 (Her).

We will be married in September, 2014.

Income:
Me - $78k/yr
Her - $76k/yr
Average take home pay: ~7200/mo
Other income: Credit Card/MS shenanigans - ~$500/mo

Expenses:
~5000/mo (includes rent, student loan payments, Roth IRA contributions, food, traveletc) (high cost of living area)

Currently not maxing retirement savings- only contributing max Roth IRA (5500 each) and minimum to get company match. This will change once student loans are paid off (~9 months)

Assets:
Me:
$40k in 401k
$26k in Roth IRA
$5k Liquid

Her:
$35k in 401k
$10k in Roth IRA
$9k Liquid

Debts:
Me - $40k in student loans (3.5%)(being generously paid off by my brother at $14k/year, and by me at a rate of $4k/yr) - will bepaid offin ~2.5 years
Her - $10k in student loans (5% average) (will be paid off in 1 year)

I will most likely be taking a temporary new job in the DC area for 1 yearwhich will greatly increase our savings ability. The job covers all living expenses and provides a daily food stipend, allowing us to live rent, utilityand food-free (will end up saving ~30k extra over 1 year) (this assumes my fiancee will be able to find a job in DC at the same time). Paying off the student loans over the next year or so would also free up almost1000/mo.

Job prospects:
Overall good - we are both ambitious engineers

Me: BS (high ranked private university), MS in Mechanical engineering (no-name state school). Currently working for US Government (decent job security, but will most likely be leaving after the DC position in search of something higher paying and more challenging).
Her - BS in Manufacturing Engineering (high ranked private university), MBA (decently ranked private university) in May 2014. Currently working for amedical instrumentcompany (decent job security, but overall underpaid given her position, experience level). Will most likely be looking for a new job coinciding with my DC position.

2-3 year goals:
-Live in DC for 1 year
-Live in California for 1-2 years
-Settle down in northern east coast (NY, PA, VA, MD etc)(near family) in ~2017 and purchase a home (~300-350k range). I'd like to be able to put 20% down onthe house. This would require 60k, which is easy to do even now (if saving for a few months and tapping into Roth IRA), but I'd prefer not to touch the Roth accounts to do so.

Here's my questions:
- How to handle manufactured spending/credit card sign ups in the 2-3 years leading up to buying a house? Our credit scores are excellent, and we have leveraged those scores into great vacations, and a lot of extra income from manufactured spending techniques. When should we stop the spending, so that lenders do not ask questions and are not put off by the ~20 open credit cards per person?
- How to best stagger the accounts to get approved for a mortgage? I know the lenders want to see an account capable of paying off the mortgage and will scrutinize every transaction dating back almost a full year. Would opening a joint account and having the paychecks deposited into it be ok? I would keep all other accounts (rewards checking, bluebird, etc) separate. This would be our only joint account from the time we are married until the time we buy a house.
- Any other words of wisdom, advice on how to improve our financial situation?



Discussion Deals
Fad jewelry - worth it? Alternatives?
Added on : Monday December 23rd 2013 11:00:07 AM
g: 0 Posted By: CowbellMaster
Views: 29 Replies: 0 It seems like every few years some sort of fad comes along, and through brilliant marketing the owners get their hooks into women. The longest running of all time is, of course, diamonds. There are man made diamonds now, and other knockoff alternatives (various degrees of acceptability).

More recently, there's this 'grown up bead' trend that I recently learned has caught DW's eye. Pandora seems to be the front-runner but there are a couple other alternatives.

Anyways, I went to a local retailer and got her a bracelet, picked out a few beads that are meaningful, and died a little inside when the cashier gave me the total. It came to around $900, and I got to thinking, "am I really about to pay almost a grand for a silver bracelet and some beads??"

These things seem to be ridiculously popular now so I thought it might warrant a thread to discuss others' thoughts, and also any discoveries of more reasonable alternatives. As far as I can see, there is no actual value to these beads outside of their 'brand name' and a quick search shows various knockoff options. Has anyone explored these options, and were they acceptable? Am I just being a cheapskate?
Question Deals
g: 2 Posted By: remick
Views: 284 Replies: 1 http://www.amazon.com/Jesus-Present-Tense-Statements-Christ-ebook/dp/B005MTBJKE

4.6 out of 5 stars (46 customer reviews)

In Jesus in the Present Tense, Dr. Warren W. Wiersbe explores the I AM statements of Godfrom His burning bush conversation with Moses, to His powerful reassurances to the Israelites, to Jesuss startling claim to be the Light of the World.

Many Christians find themselves mired in past regrets or future fears, but the name of God itself reminds readers that God wants them to live in the present. The more readers understand and apply Gods I AM statements from the Old and New Testaments, the more they will realize Gods peace and joy. Then they will be free to live, serve, and know God more richly in the present tensewhich is just where He wants them to be.
Books Deals

Amazon Coupons
Building Your Book for Kindle [Kindle Edition] free
Added on : Sunday December 22nd 2013 08:00:09 PM
g: 0 Posted By: ArtieLange
Views: 77 Replies: 0 Building Your Book for Kindle [Kindle Edition] free

http://www.amazon.com/Building-Your-Kindle-Direct-Publishing-ebook/dp/B007URVZJ6/ref=sr_1_56?s=digital-text&ie=UTF8&qid=1387780431&sr=1-56

This free guide will walk you through the necessary steps in creating a professional digital file of your book using Microsoft Word 2010 for quick upload to Kindle Direct Publishing.

These are the topics we'll discuss:

Before You Write

Building the Front Matter of Your Book

Building Your Table of Contents

Preparing a Cover

Finishing Your Book

Uploading and Checking the Quality of Your Book

Just Before Publishing Your Book

Making Changes After Publishing Your Book

We've written this guide with you in mind. We'll walk you through the key steps for every part of the process, and while it may seem repetitive at times, we want to make sure you have exactly the information you need, when you need it.

And don't forget this is a process! Publishing on Kindle is easy and takes only 5 minutes of your time but correctly preparing your book for success on Kindle takes time and effort. Don't worry; if you follow the steps we outline here, you should feel confident you'll end up with a successfully designed and formatted book and one you will be proud to see for sale on Amazon.
Totally Free Deals
The Single Greatest Predictor of Future Stock Market Returns
Added on : Sunday December 22nd 2013 01:00:06 PM
g: 0 Posted By: ArthurDent
Views: 97 Replies: 0 Saw this interesting blog post today on a supply-demand framework for stock prices rather than a valuations framework.
http://philosophicaleconomics.wordpress.com/2013/12/20/the-single-greatest-predictor-of-future-stock-market-returns/
From the above link:
In this piece, Im going to do five things. First, Im going to explain, in very simple terms, the accounting principles behind the metric. The explanation will include instructions (with ready-made links) for how to graph the metric in FRED. Second, Im going to discuss the dynamics of asset supply, with a special focus on equities. Third, Im going to challenge the conventional framework for understanding the relationship between valuation and stock market returns. Fourth, Im going to introduce a new framework, one that relates stock market returns to equity asset supply. Fifth, Im going to present a scatterplot of the predictive performance of the metric alongside other metrics, and discuss what the metric is currently forecasting for U.S. equity returns. Im going to conclude by briefly touching on the question of whether or not the current U.S. stock market is overvalued.

General Economics Deals
Can low incomers benefit from Obamacare?
Added on : Saturday December 21st 2013 07:00:09 PM
g: 0 Posted By: ussrfw
Views: 26 Replies: 0 I live in New Jersey, lost my job earlier this year. My six month state UI benefit runs out.
It is pretty hard for my major to find a job, and I am too young to collect pension and SS payment.
The 2014 federal Emergency Unemployment Compensation has not passed by the congress. It may end by the end of 2013.
I have some saving money in the bank accounts. The interest of saving is my only certain income next year, although it is very low.
I searched Obamacareonline. It seems if your income is less than $15857, you are recommend to apply for state Medicaid.
New Jersey Medicaid program required at least 5 years Green Card history, which I have only 2 years.

It seems I have to pay several thousand Obamacare premium in full or waiting for the penalty.
Can low incomers like me benefit from Obamacare? If yes, how?

Thank you very much!
Personal Finance Deals
ON SALE: Bric»s - Life Leather - Double Gusset Laptop Briefcase
Added on : Saturday December 21st 2013 09:00:16 AM
A spacious main compartment divided into two gussets offers large organizational pockets complemented by a zippered front pocket. Smooth tan leather packages this practical design in a refined, easy-going elegance. Italian design.
ON SALE: Bric»s - Life Leather - Triple Gusset Laptop Briefcase
Added on : Saturday December 21st 2013 09:00:16 AM
Three gussets allow you to keep your files in perfect order, while a laptop pocket in the center gusset and pockets for pens, cards and keys keep everything else at your fingertips. The detachable shoulder strap measures approx. 130 cm. Signature dust bag included. Italian design.
This men»s double gusset briefcase is produced in the heart of Tuscany with vegetable extracts used in the tanning that produces a slow and natural process which maintains the original properties of the leather, enhancing its quality and fragrance. Made in Italy
Antivirus company; What kind of business model it is.
Added on : Saturday December 21st 2013 06:00:06 AM
g: 0 Posted By: delhel
Views: 106 Replies: 1 I sort of intrigued by the business model of Antivirus software companies.It seems they dole out a major chunk of their product free after rebate. So, does their product development cost is minimal or they just think 70% of of people who buy free after rebate software will simply fail to cash in their rebates?
Discussion Deals
g: 0 Posted By: DSJ
Views: 51 Replies: 0 http://www.buzzfeed.com/bananastandard/15-people-youll-encounter-at-the-airport-that-wil-g03z

Safe travels.
Discussion Deals
Do you think I have a case to sue my employer?
Added on : Thursday December 19th 2013 08:00:13 PM
g: 0 Posted By: 77Rus
Views: 32 Replies: 0 Sorry for long story, tried to make it as short as possible but it is still too long. Just need your opinion what to do, if anything to do. Thank you.

Im Russian-American, naturalized citizen, speak Russian at home. Wasone of 12IT technicians,the rest of the guys are Americans.In July Ive complained to our new CIO (ex-military from Cold War time, chief warrant officer, served 12 years) about porn and violent behavior of one of the company owners (700 people law firm with large internal IT; I dont care about porn, have seen tons of it at work, but in that case a senior partner was just driving me crazy pointing on his desktop XXX files, screaming and beating the desk why, why they keep getting rearranged!!!). Anyway, I email and tell CIO, he investigates, tells me that Im right, did a good thing to complain and that he told the guy to behave properly and to remove porn. He asked me if Ive told anybody else. I tell him 2 names of IT folks (another tech and our senior tech). Next day Im told not to work on that PC, it is too much for you to handle, then me and 2 guys Ive told about porn get Final warning to improve work performance" within 120 days (bogus reasons, never had any warnings, CIO has put some crap in it Ive never did, like reinstalling programs trying to fix them, bad customer service not a single example , did the same to the other guys). Im probably the best tech of the firm at that time tons of positive feedback from users, everybody likes me, no kidding here that idiot with porn was the only issue Ive had for 8 years . I ask CIO WTF, he points on his army medals on the wall and tells me that he wants me to succeed, that he has trained hundreds of folks in the military and will do it to me. OK, shit happens, whatever.
I work like never before (Alabama, single income with a wife a 3 yo, scared to lose my job), run around pleasing everybody, positive feedback skyrockets to the point senior partners call CIO and email the whole firm saying how good Im.
One day had to work on printer of the secretary of the guy who had porn (Ive complained about), went to his PC to print and saw all the porn still there. Whatever.Sometime in August Ive emailed HR about new gun law in Alabama (do they need a copy of concealed carry or not if we keep it in cars in closed container), never ever said that I have a pistol in my car just asked what their policy is. 2 weeks later CIO comes to department and says in front of other folks that he will be the first one I will shoot in the office one day. No kidding. WTF I say. Why? Russians have serious weapons in their possession. Dung, OK, whatever.In September I bring him his new phone and he asks me how Im doing. Working like crazy, pleasing everybody. Yeah, he replies, I get emails about you every day. But you know what, it is not about customer service, it is about tech skills. OK, whatever.In October an attorney Ive upgraded with Windows 7 months ago (finally, he was on broken XP and didnt want to move), calls CIO and screams on him because his PC drives him crazy and he never wanted Windows 7. Attorney is a patent guy, often mad, but actually a very nice person did that crap many times, but never so loud I get a call for him, run, he says that all is good, he called CIO to bitch for no reason, Helpdesk was slow to unlock a document, he is sorry. OK, whatever.
I email my manager (new guy who doesnt know the attorney) that attorney is always like that, he is frustrated with his patenting crap, gets mad often, but it goes away quickly. Say I will deal with it.
Next day talk to that patent attorney again. He says my CIO is sending bad emails about me, he is so sorry, can talk to CIO to tell him that it is not my fault and not to use it against me. WTF?Later on that day I work on IT committee leader PC (CIOs boss). Outlook issues nobody can fix, told by Microsoft girl to check his emails blah-blah-blah see my email first thing. CIO forwarded it to CEO, IT Board guy etc that basically Im an idiot cant write emails properly, dont have skills, frustrate users. Dont see a single email about anybody else, only about me. I say WTF, it is too much.10/4/13 I go to CEO and tell the Man that CIO is hostile towards me without any reason. Sends emails with lies about me, gives bogus final warnings, says he gets tons of emails from happy users but still I dont have freaking skills, our system shows I have tons of positive feedback, said in front of all that I will kill him first one day.
CEO listens and says that the only resolution he sees is for me to talk to CIO like man to man. He says he sees cultural differences, he will arrange meeting. He says CIO is like that because he (CEO) is giving him hard time. Crap, whatever.10/8/13 I print that email for meeting. Microsoft girl is there - a witness from HR CIO says. Cant talk like man to man, CIO refuses to talk until I tell him how I found about the email. An attorney told me about it. No, I called everybody Ive emailed it to, they didnt tell you. Did you see it on a computer while you were working on it? Sure thing I did. I printed it for you. He is happy, tells me he sent it because there were 6 follow up after upgrade, nobody else has so many, I dont have skills, most of the positive feedback I have is solicited blah-blah-blah. Tells me to go and check tickets. I tell him that everybody except him likes me, how the hell I can solicit 100+ feedback from users when some of them I barely know, that I cant sleep and eat because of all his lies and I just dont understand why he is throwing me under the bus like a dog. I was a little bit loud and was crying, yes, but I didnt call him names or anything of that sort. Like I said Microsoft girl was there all the time.10/9/13 I check the tickets of the patent guy. 6 calls, none is my problem. Web site didnt work, Java didnt run, document was locked crap like that. Talk to managers (nice people, were always saying Im their best tech) they also say there was nothing wrong I did. I put everything into I nice email and email CIO the results. hey, sorry blah-blah-blah, here are the results, nothing wrong I did, Sir.
2 hours later Im called to HR, CIO smiles to me and CEO tells me to be terminated or to resign. It is bad to print emails without permission and we just cant work together with CIO. If resign, they will keep me on payroll for another 3 weeks and I will be with the Firm, but dont need to come to work. Whatever, screw them, I resign.
No threats, no firearms on me or in my car, no violence, never had a single complaint of that sort, never arrested, didnt have a freaking traffic ticket. They bring my things from IT and an armed security takes me to my car with a facility manager. Always in a case like that it is just a manager, but for me they arranged an armed security. For 8 years I have never seen an armed security in our building, nobody else did, Ive checked later on. We go to the car, security is holding his hand on his handgun, and the whole freaking firm (10 floors) stares through the windows to see what is going on before I drive away. Im not kidding, it was the most humiliating thing I ever had in my life. 8 years over there, zero complaints, and they called a freaking guy with a revolver.
Ive got 45 very nice feedbacks on LinkedIn after Ive left, including from company owners (freaking CIO himself only has got 10 in his life). People I still talk to say they were in shock to see what has happened.
Ive send a letter to HR 2 weeks ago about CIO (mentioned porn and him saying I will start killing people one day, asked to investigate), CEO called me and said that they will investigate it internally since Im no longer with the Firm, and they will not inform me on the results. They cant hire me back because CIO manages IT and it is his decision blah-blah-blah.
Called an attorney I found in yellow book for a free consultation, but he said he doesnt deal with voluntary resignations and advised to contact Equal employment opportunity commission. Thats basically my story.
Thank you all for reading it
Question Deals
g: 0 Posted By: tedteddy
Views: 36 Replies: 0 http://www.techdirt.com/articles/20131218/14533925607/intelligence-task-force-hints-nsa-manipulating-financial-systems-changing-amounts-bank-accounts.shtml
"Recommendation #31 (B) Governments should not use their offensive cyber capabilities to change the amounts held in financial accounts or otherwise manipulate the financial system."

Good god the banks might end up feeling it too. Does this mean that if the NSA doesn't like you one day you wake up and realize all the money's gone from your bank account?We can't trust the big tech companies with our personal info now our money isn't safe either. Put it in the mattress I suppose.What a bleak future for both banks and cloud tech companies, nothing's safe or secure now. Yet they tell us what they're doing makes us safer. Black is white.
Discussion Deals
g: 0 Posted By: Kattah
Views: 0 Replies: 0 Linkymart

Most Men's sizes available, in Majolica Blue.
32X32 is the only size available in Canteen Color

$12.00
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g: 1 Posted By: scripta
Views: 2397 Replies: 0 Not as good as the previous $20 deal discussed here,and Mastercard isn't included, but Amazon is (and some others, may be store-dependent). As seen in the online weekly ad:
Buy $100 in select* gift cards Offer valid 12/11/13 12/17/13 *See store for participating gift cards. $10 free grocery coupon issued at checkout and may be redeemed on your NEXT grocery purchase. Coupon expires (1) week after issuance. Coupon not valid for previous purchases and cannot be used to purchase gift cards. Limit one coupon per qualifying and redeeming transaction - see coupon for additional restrictions. While supplies last. No rain checks. Gift cards brands are subject to availability and selection varies by store product offer may not be available in all States. See gift cards for details, terms and conditions and (if applicable) fees. All trademarks are property of their respective owners. Amazon.com is not a sponsor of this program. For complete gift card terms and conditions, see www.amazon.com/gc-legal. ,, Amazon.com Inc. and/or its affiliates, 2013. No expiration date or service fees.
This deal is running for another week:12/18-12/25.
Albertsons Deals
Target hacked, check your accounts for unauthorized charges
Added on : Wednesday December 18th 2013 06:00:06 PM
g: 0 Posted By: Ananrefugee
Views: 40 Replies: 0 USA Today articleFrom Black Friday to December 15th is the estimated period of the hack, I got hit for $550 (my debit MC got denied at lunch and I logged in and found the charge from Target Brooklyn). I cancelled my card and put a block on it, so check with your financial institution.
Discussion Deals
g: 1 Posted By: MightySlacker
Views: 129 Replies: 5 I will try not to TLDR; this but also not skim over important details. I will already assume that YANML if you respond. I also am waiting to speak with him to get some clarification on some things. Ohio is state.

Original lease expired Sep '12, so we were month to month. Verbal notice provided Sep 13 that October 13 would be last month, and last months rent was pre-paid. Security deposit was $650.

House was in very good condition, though I did not get all the trash out before the 31st. Acknowledged that was going to be a ding in the deposit. Trash was on back porch and a bookcase with some misc in basement. Landlord sent text asking if all was trash so he could put it by road, said yes and apologized.

No contact from landlord in the 30 day required window. Waited a few extra days, then sent a letter of demand. Landlord called next day incredulous and shocked that I would not contact him before such a "threatening" letter, asked if was still possible to work it out. I said yes, you can send your list of damages and I will compare them with my pictures and receipts. Said he was sending out last week. Sent a text yesterday informing him nothing received, said he just mailed it out because he had to "talk to counsel" first". Got it today (no supporting documentation).

Front page of letter makes many references to lease, which expired in Sep 12. His claim is that in fact the repair bill is $1125.83, and that if I dont cease and desist he will countersue for $475.83. "indemnification Deposit Infractions" listed are 1) Residence not damaged beyond normal wear and tear 2) Management not in possession of final bills 3)Resident not signed move in/out forms (there was no move in form).

Obviously, there is no way in hell that if he really thought I owed him that, he was going to just let me slide and not say anything. Pretty much sure this is an attempt to mitigate his loss if we go to court because he knows I'd get double damages.

Misc info: Landlord lived right across the street, so was pretty nosy. No complaints of any kind while we were there except one time we had a BBQ and people parked on both sides of street. When talking with him last week, he let a lot of things slip, including admitting tampering with mail that didn't get forwarded properly. That has nothing to do with security deposit, and I'm trying hard to not make it personal even though he seems on purposely insulting my intelligence. Here are some of the deductions:

Pool closing services - $470.00 (2 x 235). Nothing in lease about pool maintenance, was verbal agreement). I am assuming that x2 means for this year and last. Last year, I had him help me and he said to give him $50 for chemicals, which on the next months rent check I added and made a notation on the bottom (says Nov Rent + Pool), so I'd have no idea why he'd try and charge me this much now without mentioning it before. This year, I drained the pool myself, disconnected everything and put in chemicals. The next day, when I arrived, people were closing the pool. Landlord said my chemicals didnt work (less than 24 hours after I put them in) and said the chemicals cost $32 that he used. Landlord gave no notification that he was coming to close the pool, or gave me any sort of deadline to have the pool closed.

Landscaping - $48 (8.00 x 6 hours). This was done mid-October, as he asked to do some of the stuff before I left so he could rent it out sooner and I agrees. Can he turn around and charge me for things done before I moved out? Isn't it unreasonable to assume that I wouldn't have done that?

There is $325.96 for living room carpet damage, $225.96 original cost and $100 replacement cost. Not sure what this means. There was no holes, burn marks, pet damage, stains, anything. There were a couple of runs on the basement stairs carpet when moving furniture.

$50 for swimming pool carpet damage?, was cheap indoor/outdoor carpet. Did not take a picture of this. There was no major damage or tears, 2 years and 2 months of weather did a toll though. There is a clause in the old lease that says $50 for carpet cleaning, can this be extrapolated to outside pool carpet?

There is also $320 for kitchen repainting because of a giant bubble in the paint behind our stove. Our stove was brand spanking new. It was Glidden latex paint. Landlord extrapolates since that we did concessions we use stove more than normal. My counter is that we didnt prep that much concession food at home, and that we had that job on weekends and both had 40 hour a week jobs we used the oven less than most normal people because we were never there. Sherwin Williams guy said the bubble was caused by the painting not being prepped right (wasnt dry) and the heat caused the water to evaporate. Said normal paint will chip, not blister, and that if you could peel the paint like a sunburn, it's not primed right.

Another $100 for repair materials.

So, the questions I am wondering.

1) Since the lease is expired, are we still bound by all the terms, or does a standard become "normal wear and tear"? I got an answer that mentioned a holdover clause, but the one in our old lease just says I have to deliver the residence in good order and repair. The lease mentioned no holes in the wall, and we had a minor amount of pictures hung that would be considered normal (less than 5 in living room). Not sure if the lease language still applies.

2) Can things that were done by landlord before we moved out still be held against our security deposit? Agreement was only made that he could do those things, not that we were hiring him to do them for us?

3) Even if his lease "Infractions" still apply to me, is that an excuse to not abide by the 30 day limit for withholding a deposit?

Any other insight would be appreciated.

Dave
Discussion Deals
g: 0 Posted By: iznogould
Views: 298 Replies: 1 The well reviewed LP-2020A+ Lepai Tripath Class-T Hi-Fi Audio Mini Amplifier with Power Supply for $16.12. The lowest price till date as per Camel.

Linky

You can also get it still cheaper for $15.88 through 3rd party seller on Amazon.Product Description:

This Lepai Tripath-based mini audio amplifier is ideal for both home and car audio applications. The amplifier's TA2020 amp chip is a 20W/ch continuous average two-channel Class-T Digital Audio Power Amplifier IC that incorporates Tripath's proprietary Digital Power Processing technology. Class-T amplifiers offer the audio fidelity of Class-AB amps combined with the power efficiency of Class-D amplifiers. The Lepai amp's clean, 20 watt output makes it perfect for most any auto or home audio project or DIY application. Google Lepai TA2020 and you'll find this little amp has been discussed and raved about! Each unit has an RCA Left and Right channel input, or you can use the 3.5 mm stereo input jack for plugging in almost any music source, such as iPods, cell phones, or MP3 players. Convenient spring terminals make connections to your speakers quick and easy! The Lepai mini amplifier has an aluminum enclosure that is lightweight, yet sturdy, and acts as a heat sink to keep the amp running cool. Color may vary.Includes 12V, 2A power supply. Specifications: Power output: 2 x 20 watts RMS ; Input impedance: 47k ohms ; Frequency response: 20 Hz - 20 kHz ; Input sensitivity: 200 mV ; Minimum THD: <0.05% ; Dimensions (D x W x H): 120 x 147 x 42 mm.
Electronics Deals

Amazon Coupons
Multiple Insurance Claims (Multiple Deductibles) - "One" Accident
Added on : Wednesday December 18th 2013 12:00:05 PM
g: 0 Posted By: mjohnson
Views: 132 Replies: 0 I was recently involved in a multiple car accident due to icy and snowy conditions in California.

My car slid off the road and hit the side of a hill. I was subsequently hit by a 2nd car that slid of the road as well. I also felt a 2nd impact (not sure if a 3rd car hit me, or if the 3rd car hit the 2nd car that was resting against mine).

Due to the conditions outside (snowing and safety), CHP had everyone stay in their cars (there were a total of 15-20 cars by the end of it) until they could get cars driving away or put on tow trucks and off the side of the highway. Due to these conditions, no information (names, insurance companies, etc) was exchanged between parties.

After informing my insurance (Wawanesa) I was told they had to open up 3 separate insurance claims, each with their own deductible (1 for when my car slid off, 1 for when I was hit by the 2nd car, and 1 for the 2nd impact my car had).

Does anyone have any experience in multiple car accidents and multiple claims each with a deductible? I would think one claim for the whole accident would be sufficient, not 3.....


Discussion Deals
Self-employed face a retirement crisis
Added on : Wednesday December 18th 2013 12:00:05 AM
g: 0 Posted By: raspino
Views: 36 Replies: 0 http://www.usatoday.com/story/money/columnist/brooks/2013/12/16/...

When I started working, I happened to have joined a company that was employee owned and even though I did not actively participate in the retirement program, many years later when the company was sold, I got a very good share of it to put down for retirement. I assume that if I were self employed then, I would have missed the opportunity to save for retirement. It is probably that kind of forced or automatic and simplicity of retirement programs in 9 -5 jobs that the self employed May be missing.
Discussion Deals
g: 0 Posted By: imanemokid
Views: 49 Replies: 0 Coupon Network.com shutting down - Jan 6, 2014 - (aka Catalina Printables, does not affect instore OYNO)

(thanx MISTERCHEAP ... fixed - maybe??)

Coupon Network Coupons

was going to shutdown Dec 11, 2013 ... but ??
Discussion Deals
Microsoft exec to oversee Obamacare website!
Added on : Tuesday December 17th 2013 08:00:09 AM
g: -2 Posted By: Marvinomatic
Views: 160 Replies: 5 After the Microsoft 12 days of Deals, fiasco, no one will be able to get insurance!

http://money.cnn.com/2013/12/17/technology/obamacare-website-mic...
Discussion Deals
g: 0 Posted By: stanolshefski
Views: 25 Replies: 0 http://techcrunch.com/2013/12/16/amazon-reportedly-buys-mobile-payments-startup-gopago-working-on-an-ambitious-new-project/

We know what happened last time Amazon started running a payment network. I'd look for new MS opportunities here.
Discussion Deals
New Brokerage with zero commission, where's the catch?
Added on : Monday December 16th 2013 07:00:08 PM
g: 0 Posted By: noelandres
Views: 40 Replies: 0 I just came across this:

https://www.robinhood.io/

They have to make money someway right? Maybe your order gets a worse fill price? Let's see what the FW trading gurus have to say about it.
Discussion Deals
AMEX Platinum dropping American and US Airways Lounges
Added on : Monday December 16th 2013 04:00:10 PM
g: 2 Posted By: bigdinkel
Views: 1511 Replies: 3 We are writing to give you advance notice of changes to your travel benefits and remind you about other valuable features of your PlatinumCard.

As of March 22, 2014, Platinum Card Members will no longer receive complimentary access to American Airlines=9pxAdmirals Club lounges and US Airways=9pxClub locations.

We recognize the inconvenience this may cause.However, you will continue to have access to a large network of airport lounges, including complimentary access to:
Delta Sky Clubs=9px=9px1 Priority Pass Select=9px2membership for entry to more than 600 participating airport lounges worldwide Airspace Lounges=9px3at select airports in New York (JFK), Cleveland, and Baltimore


New Complimentary Access to The Centurion=9pxSMLounge=9px4While partners and benefits may change over time, we remain dedicated to enhancing your travel experiences. With this in mind, we are pleased to announce that you now have unlimited, complimentary access to The Centurion Lounge in two locations:
Dallas/Fort Worth International Airport Las Vegas McCarran International Airport
The Centurion Lounge is a premier airport lounge space exclusively for American Express=9pxCard Members,with signature services and amenities designed to exceed your expectations. Each lounge features seasonal fare created by renowned chefs, signature cocktails, curated wine lists, Member Services and other specialfeatures.We look forward to opening additional locations in the future.

Additional Exclusive Travel BenefitsWe would like to remind you of these exclusive travel benefits:
$200 Airline Fee Credit.=9px5Offset airline incidental fees such as airport lounge day passes, baggage fees, and flight-change fees.* Enroll by selecting American Airlines, US Airways, or one of eight other eligible domestic airlines and receive up to $200 a year in credits for incidental fees charged by the airline to your PlatinumCard.*American Express relies on accurate airline transaction data to identify incidental fee purchases. If you do not see a credit for a qualifying incidental purchase on your enrolled Card after 4 weeks, simply call the number on the back of your Card. See terms & conditions for moredetails. Save time and bypass arrival lines=9px6at most major U.S. airports when you return from international travel. Global Entry is a U.S. government program that allows expedited clearance for pre-approved travelers. When you use your eligible Platinum Card to apply for Global Entry membership, we'll credit the application fee. Card Members can receive one $100 credit every 5 years for an application fee charged to each eligible Card. Additional Cards tied to Centurion and Platinum Cards are also eligible for the $100 statement credit. To receive the credit, the application must be charged on the AdditionalCard. Pay no foreign transaction feeson purchases while travelinginternationally.
We hope you continue to take advantage of all the benefits that make your Platinum Card a valuable resource when you travel.

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

The facts as he relayed them to me are:

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

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

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

Any tax or legal experts here who can be any more definitive about these questions? I wore out my Google-Fu trying to get answers, but the only information I could find wasn't specific to these details.
Thanks!
Discussion Deals
g: 0 Posted By: limitsc
Views: 217 Replies: 1 I know this type of thing has been discussed at length on here and I have read a lot of it out of general interest (I am a new loan officer and try to learn when I can).

Still I am not 100% how to go about this situation, because I guess I thought when it came to stuff like this, the debt in collections was usually either valid where prior notice was given, or completely invalid (where the advice was usually to dispute and request validation).

In my case, I got a new job. Had insurance at old job, new job insurance didn't kick in for like 1.5 months. I take a prescription med, refilled monthly. A little over a month after starting my new job, it came time to get a refill. Honestly, I had no clue whether my old insurance was still active. I did ask several people, and was told that I would be notified when it was cut off. Still not 100% sure, I went to my pharmacy and spoke to them about the issue and whether I would have to pay out of pocket that month, which would have been fine...we are talking probably ~$200 vs the crappy $60 copay for that previous insurance. They said they would just submit it in their system and see, and once they did that they confirmed it was covered, no problem. I thought it was that simple, anyway. That was on 7/15/13.

Never heard anything else about it. By the next month (August), my new insurance had started. Also, I was on the phone with my old insurance several times around this time because I had to get a cert. of credible coverage. I am pretty sure I remember them saying they had not received notice of my cancellation and were going to do it at that point (because I had told them).

Fast forward to last Friday (12/13/13), I get a letter in the mail from RMS, what appears to be a collection agency. It states the INS company has placed my account for collection (for $130) due to overpayment on prescription drug coverage. It also says "They have sent you previous notice(s) on this account requesting payment." It also has a blank and asks me to furnish my phone number. So I am pretty upset at this, because I am 27 and started my credit when I was 18. I still have that first credit card that started with $250 CL and now is just south of $20K. I have over 35 accounts on my report without a single negative. Also, I would very much like to buy a house, hopefully in the next year. Also, I am pretty certain the INS company NEVER sent anything notifying me of this. The phone number they had on file was my parents' home number where I no longer reside, however I am certain that if they had ever called then my parents would have told me. I stop by weekly to pick up mail that still gets sent there also.

The only thing I have done so far is contact the original INS company today. The lady said that accoridng to her record, my coverage ended on 6/30, however they weren't notified until 7/28 which must have been why they approved the prescription on 7/15. She said I should have received notices, and could not explain why I did not and all she could do was apologize and tell me to call the collection agency. I don't care about the $130....if my coverage had ended then that's fine. My main concern is a collection account showing on my CR, but I feel like if I go ahead and pay the collector it will show up anyway. Does anyone have suggestions on how to proceed?
Question Deals
g: 1 Posted By: Ferrari72
Views: 277 Replies: 2 Enjoy a family fun movie night with a Blu-Ray Disney movie! Titles vary by store. Includes DVD & Blu-Ray.

Choose from:

The Sorcerer's Apprentice
I Am Four
Toy Story
Jonas Brothers 3D
James and the Giant Peach
The Prince of Persia
Beverly Hills Chihuahua 2
Mars Needs Moms
A Christmas Carol
Race to Witch Mountain
(Varies by store)

http://www.biglots.com/p/c/new-arrivals/assorted-blu-ray-disc-dvd-movies

Or:

Dr. Seuss' The Lorax Blu-ray Combo Pack & Plush Toy Gift Set

http://www.biglots.com/p/c/new-arrivals/dr-seuss-lorax-bluray-combo-plush-toy-gift-set


Music & Movies Deals
g: 0 Posted By: mysteryAgain
Views: 1509 Replies: 7 My gf and I are leaving NYC Jan 19 and driving to Las Vegas. Flying back to nyc on Jan 1. We are both in early 30, adventurous, active and both of us are drivers. Here is the itinerary for our trip. Please let us know how doable is it.


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

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

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

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


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


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

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

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

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

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

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

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

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

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

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


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

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

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

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

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


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

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

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

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

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

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

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

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

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

Please advise.
Discussion Deals
Get off my lawn (snow edition)
Added on : Monday December 16th 2013 07:00:10 AM
g: 3 Posted By: chantspel
Views: 178 Replies: 10 Would like to get the advice from the community regarding my situation. It seems that I have the best yard in the neighborhood for sledding. Every time we have any snow it inevitably happens: I'll look out and there is kids running up in down in my yard with sleds. Now I have asked them to leave before and its not always the same group of kids (our neighborhood has a lot of kids). Also I don't think me asking them not to or yelling at them make's much of a difference as I can't be home all the time to monitor the situation.

My questions are thus:
1) What am I potentially exposing myself to liability wise if this continues and
2) How do I prevent this from happening in the first place

If it turns out that 1) I don't have anything to worry about then I'll just leave well enough alone. If not I'd be interested in some answers to # 2.

Possible options:
1) Become that "guy" who yells "get off my lawn!" all the time
2) Build a tall fence (costly - not ideal)
3) Outdoor signs (wife won't approve)
4) Some other FWF idea

If there is a post related to this please point me in that direction and I'll be sure to check it out. Thanks

Discussion Deals
Return of the IHG Rewards Big Win Promotion
Added on : Sunday December 15th 2013 01:00:09 PM
g: 0 Posted By: WideOpenSpaces
Views: 1 Replies: 0 In August, we alerted everyone about the IHG Big Win promotion, where everyone was guaranteed at least 50,000 points for performing a variety of tasks.

The program is returning for stays January 1, 2014 to April 30, 2014.

Link

In the last promotion, both my wife and I were offered 50,000 points, which we elected to pass on both. This time we were both offered 31,000. I can't even imagine why they would offer us less points this round, when we didn't bother to earn any the last quarter. Maybe others will have better luck.


Discussion Deals
Crock-pot 3 Quart (SMALL) in 4 styles $8.99 w/ in store p/u @ KMART
Added on : Sunday December 15th 2013 11:00:03 AM
g: 0 Posted By: iLetTheDogsOut
Views: 133 Replies: 0 http://www.kmart.com/search=crock-pot&30_Crock%20Pot_2-4%20quart...
Appliance Deals

Kmart.com Coupons
health insurance solution?
Added on : Saturday December 14th 2013 03:00:06 PM
g: 0 Posted By: honorabledeadbeat
Views: 56 Replies: 1 Our insurance company dropped our coverage because our plan was "non-compliant" with Obamacare and our state regulator said they didn't have to grandfather/extend it.

A "Bronze" ACA plan would cost us $630/month without subsidies. I have no idea how much money I will make next year but I probably will not qualify for subsidies. Still, it is a nice feature of that plan to know that if you don't make any money, you get part of your health insurance paid for in the form of a tax credit!

That being said, my existing plan has the same deductible as a bronze ACA plan for HALF THE MONTHLY PREMIUM!

Anyway, my solution to obamacare is to prepay for temporary, non-obabacare health insurance for the first 3 months of the year, ($2 million per person coverage, $5k deductible) for only $250/month. Then in early March I'll sign up for Obamacare (afterall, they have to take us no matter what!). There's even a chance that obamacare implodes and more free market plans come online.

The key is to be off of temporary insurance when the open enrollment window closes. Only use it when it is open.

Can anyone find any faults to my plan? It will save me $1200 next year and theoretically be just as good as if I were covered all year by the Bronze plan.



Discussion Deals
g: 2 Posted By: remick
Views: 323 Replies: 0 http://www.amazon.com/Purpose-Power-Love-Marriage-ebook/dp/B0051GN8S4

4.9 out of 5 stars (21 customer reviews)

Probably no other dimension of human experience has been pondered, discussed, debated, analyzed, and dreamed about more than the nature of true love. Love is everywherein songs and in books, on televisions and on movie screens. Yet, for all of our thinking and talking, how many of us truly understand love and where can we turn for genuine insight in matters of true love? In The Purpose and Power of Love & Marriage, Dr. Myles Munroe provides the answers to questions surrounding the true nature of love as he also exposes the false images created in our culture. Throughout this book he eloquently illuminates the many facets of love while at the same time tackling the really tough subjects of separation and divorce. This book is sure to become a classic that will last for a lifetime and beyond as it responds gently and practically to those seeking to resolve the challenges of human relationships.


also free at the time of posting

How to Rekindle an Unhappy Marriage: Overcome Resentment and Regain the Trust You Need (The Marriage Guide Series) [Kindle Edition]
http://www.amazon.com/gp/product/B00BBFR3N0

How to Get the Spark Back in Your Marriage - A Complete Guide for Women to get the Love back in Your Marriage(marriage counseling,marriage help) [Kindle Edition]
http://www.amazon.com/How-Spark-Back-Your-Marriage-ebook/dp/B00H6TF4KE

Making Your Differences Work for Your Marriage (Ebook Shorts) [Kindle Edition]
http://www.amazon.com/Making-Differences-Marriage-Ebook-Shorts-ebook/dp/B00CZALQ1K

How To Save Your Relationship... From Yourself: A Myth-Busting Guide To Successful Love [Kindle Edition]
http://www.amazon.com/gp/product/B00BXPURNQ

Books Deals

Amazon Coupons
Free Kindle Book- The Purpose and Power of Love & Marriage (was $15.99)
Added on : Saturday December 14th 2013 01:00:03 AM
g: 1 Posted By: remick
Views: 43 Replies: 0 http://www.amazon.com/Purpose-Power-Love-Marriage-ebook/dp/B0051GN8S4

4.9 out of 5 stars (21 customer reviews)

Probably no other dimension of human experience has been pondered, discussed, debated, analyzed, and dreamed about more than the nature of true love. Love is everywherein songs and in books, on televisions and on movie screens. Yet, for all of our thinking and talking, how many of us truly understand love and where can we turn for genuine insight in matters of true love? In The Purpose and Power of Love & Marriage, Dr. Myles Munroe provides the answers to questions surrounding the true nature of love as he also exposes the false images created in our culture. Throughout this book he eloquently illuminates the many facets of love while at the same time tackling the really tough subjects of separation and divorce. This book is sure to become a classic that will last for a lifetime and beyond as it responds gently and practically to those seeking to resolve the challenges of human relationships.
Books Deals

Amazon Coupons
g: 0 Posted By: RhizzleBop
Views: 138 Replies: 4 I hope this is the right place to post this.I have what I feel is a very strong idea for an app/site.Technology-wise, there is nothing ground breaking about what I want built. But, the overall business idea itself has not been donehow I want to do this.I am meeting next week with a think tank group. They collaborate and work on projects under the community entity of this think tank business. They sometimes work for hire, sometimes they invest their time for a % ownership, sometimes they get investors involved.I asked the owner about signing my NDA, and he said it was possible, not out of the question, but difficult because he can't sign anything that would interfere with other projects he is working on. He said he had to know specifically what IP I wanted to protect in the NDA before he could sign.He said everyone in his organization has signed an honor code which prevents them from taking anyones ideas.As I've thought about this more, and tried to drill down to what is unique enough to protect its gotten difficult. I'm not sure what I have to protect IP wise. People have made apps, people have registered accounts on apps. People have posted offerings on apps, people have communicated between each other on apps. So, I'm not sure what my IP is, other than the summation of all that together for my specific purpose, along with well done marketing to make it go.Am I being way too lax on this? Can I do a simple site schematic writeup on some letterhead and ask him to sign that this specific document is my idea? I have an NDA doc created. It basically says anyone who signs cannot work on any idea discussed. But that was his point. Its vague to say, what was discussed might apply to a piece of something else he is working on, which might infringe on another idea he is working on.Thoughts?I really feel like building the site/app is not earth shattering in and of itself. It'll be the marketing and operating the business that will define its success or failure. So, that makes me think I'm being overly cautious. This isn't the next Twitter. But it could be the next "stronginternet business".
Personal Finance Deals
g: 0 Posted By: Bagofchips
Views: 153 Replies: 3 Let's suppose I can predict variousleading macroeconomic and industrialindicators to varying degrees and with varying success, using both proprietaryand derivativedata, anywhere from 3 days toa week prior to release. Which indicators would be more lucrative if I could get them more accurate? Where would you spend more effort? For example, would you rather be able to nail gas supplies or same-store sales for broad-line retailers?

Seems to me you've got at least3 things playing into this:

How much unpredictability is there in the indicator? Does the street typically get it more wrong than right, even if the market reacts to it in lockstep?
How much correlation there really is in market reaction to the indicator
How much expectations are already cooked in? (This is probably tough to model.)

Another way to think about it: I know there are proprietary information services for just these kinds of things... which ones seem to garner the most interest?
Discussion Deals
g: 1 Posted By: bpvh
Views: 202 Replies: 0 OfficeMax MaxPerks Bonus Rewards week of 12/15/2013: 20 pack Duracell AA or AAA batteries pay 16.99, get back $16.98 in rewards


At the moment in-store only. Will update when the OfficeMax.com MaxPerks page updates soon after midnight Sunday morning.


DURACELL CopperTop AA or AAA Batteries, 20-Pack
YOU PAY $16.99 - YOU GET $16.98 back in MaxPerks Bonus Rewards* = 1 cent
2225-9681/2225-6773
Limit 2. Available in store only.


This offer is valid from 12/15/2013 thru 12/21/2013.


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

bpvh's unofficial OfficeMax MaxPerks FAQ LINK

=======================
Batteries & Chargers Deals

OfficeMax Coupons
g: 0 Posted By: scripta
Views: 82 Replies: 0 Not as good as the previous $20 deal discussed here,and Mastercard isn't included, but Amazon is (and some others, may be store-dependent). As seen in the online weekly ad:
Buy $100 in select* gift cards Offer valid 12/11/13 12/17/13 *See store for participating gift cards. $10 free grocery coupon issued at checkout and may be redeemed on your NEXT grocery purchase. Coupon expires (1) week after issuance. Coupon not valid for previous purchases and cannot be used to purchase gift cards. Limit one coupon per qualifying and redeeming transaction - see coupon for additional restrictions. While supplies last. No rain checks. Gift cards brands are subject to availability and selection varies by store product offer may not be available in all States. See gift cards for details, terms and conditions and (if applicable) fees. All trademarks are property of their respective owners. Amazon.com is not a sponsor of this program. For complete gift card terms and conditions, see www.amazon.com/gc-legal. ,, Amazon.com Inc. and/or its affiliates, 2013. No expiration date or service fees.
Albertsons Deals
g: 0 Posted By: jetsfan92588
Views: 88 Replies: 2 I just bought a used car and in one of the seller's emails to me he said that he just put new brakes on the car.

I purchased the car and it turns out the calipers were sticking or something like that because the rotors were warped and the mechanic said it looks like someone recently replaced the brake pads without replacing the brakes. I spent about 800-1k to replace all the rotors and shave down something (I don't know about cars, but I trust the mechanic I took it to).

The contract states the car is sold "as is" but I was wondering, due to the misrepresentation (which should overrule the as is clause), whether people think I could get this guy to pay for some of the repairs.
Discussion Deals
Ideal Time to Upgrade A Car?
Added on : Wednesday December 11th 2013 03:00:07 PM
g: 0 Posted By: justignoredem
Views: 216 Replies: 4 Hello FatFinancers.

I'm in a bit of a quandary. For the first time I am having a bit of a disagreement over a purchase. That purchase being our next vehicle. Apparently she has been having some trouble recently - the coolant (I'm guessing radiator fluid?) seems to be leaking, and her car is overheating. She finds it a hassle to have a car taken care of, and just wants to get a new one with a warranty.

Currently she has a 2008 Mini Cooper. I have a 2006 Acura TSX.

My ideals: Ride it until the wheels fall off.
Her ideals: Ride it for 4-6 years and then upgrade to one slightly used with a warranty.

I'm trying to instill that a car is the fastest depreciating asset you could ever own, and everytime you buy a new one should be limited and avoided if possible. I REALLY don't want to drop another $10-20k bomb on our bank accounts. But hell - maybe I'm wrong. Maybe all the car maintanance costs do cost more over time. Can anyone confirm for me on a cash-by-cash basis where you should or should not upgrade your car? When? How often? Whats the most ideal for the most monetary savings?

Any links/guides that may be rampant (IE: Charts of average costs) would be appreciated. Sorry I'm bad at finding this type of stuff.


Discussion Deals
CBO: Top 40% Of Income Earners Pay More Than 100% Of Federal Income Taxes
Added on : Wednesday December 11th 2013 01:00:06 PM
g: 2 Posted By: SangioveseW
Views: 225 Replies: 2 The above numbers are found in the latest CBO report and are based on the2010 IRS and Census Bureau figures.Here is just one of several news stories that is reporting this information contained in the latest CBO report:http://www.cnbc.com/id/101264757

Interestingly,"For most income groups, average federal tax rates in 2010 were near the lowest rates for the 1979-2010 period," reads the report. "The exception was households in the top 1 percent,whose average federal tax rate in 2010 was significantly above its low in the mid-1980s."

Here is a CBSnews article, which contains some additional information:http://www.cnsnews.com/news/article/terence-p-jeffrey/cbotop-40-paid-1062-income-taxes-bottom-40-paid-91-got-average-18950

Since it's the end of the year and many of us are looking at year-end tax planning, future tax strategies and discuss tax policies, I thought that this article would be of interest to people, as this topic is very much on people's minds.


Tax Deals
What do you think of allowing cell phone use on flights?
Added on : Wednesday December 11th 2013 10:00:12 AM
g: 0 Posted By: MrsF
Views: 24 Replies: 0 I've been hearing this on the news the last few days, and I really hope this does not happen! Can you imagine flying with 100+ people yapping on their cell phones?
And why is it some people have to YELL into them?!!

I would probably never fly commercially again if this is allowed!

What are your thoughts?
Discussion Deals
Intel D34010WYK Core i3 Barebone NUC $267 at Frys
Added on : Wednesday December 11th 2013 09:00:08 AM
g: 1 Posted By: mistadeal
Views: 335 Replies: 4 Text- Price appears to be valid 12/11-12/12/13

You'll need to add mSATA SSD (or use flash drive to boot OS), laptop memory, and (optional) wifi card.

Discussion of item on XBMC forums- typical reason to get one of these

Included in the box 19V, 65W power adapter (brick)
Power cord options (Types B, E, G, or no cord)
VESA* mounting bracket
Integration guide
Wireless antennae (integrated into the chassis)
Intel Core i3 logo
NOTE: 1.5V DDR3 memory modules are not supported.
Desktop Computer Deals
g: 0 Posted By: Hoogineer
Views: 147 Replies: 3 Link

$99.99 + $0.99 S&H (or free if you have Shoprunner)

Recent expired threads if you'd like to read previous discussion:
- Topic
- Topic
- Topic

Item has Iron Egg Guarantee, which means:

Returnable through Jan 31, 2014 without restocking fee
Price match (to Newegg or competitor site) once within 14 days of purchase

Electronics Deals

Newegg Coupons
Wal-Mart bans man for life for matching ads
Added on : Tuesday December 10th 2013 03:00:12 PM
g: 0 Posted By: Donedealzz
Views: 3 Replies: 0 Wal-Mart bans man for life for matching ads
http://t.money.msn.com/saving-money-tips/wal-mart-bans-man-for-life-for-matching-ads

Discussion Deals
Request: URGENTLY Need Codes for Car Rental at PHX
Added on : Tuesday December 10th 2013 11:00:08 AM
g: 0 Posted By: WayWeird
Views: 106 Replies: 1 REQUEST - for cheaper price on compact car or bigger from one of the major rental companies (Hertz, National, Budget, Alamo, Dollar, Thrifty, etc)
Pickup/Dropoff: Phoenix Skyharbor Airport or within 1 mile of airport
Dates: From 12/11/2013 at noon to 12/18/2013 at noon
Car Class: Compact
Best price: Priceline at $175 total
Tried Hotwire at $206, AAA codes, and bjs travel site

I greatly appreciate any of your suggestions.
Car Rental Deals
WestJet 2013 Holiday Cheer
Added on : Tuesday December 10th 2013 10:00:10 AM
g: 0 Posted By: WideOpenSpaces
Views: 35 Replies: 0 The awesome marketing people over at WestJet offer up a rather inspiring holiday video for passengers onboard a flight.

https://www.youtube.com/watch?v=zIEIvi2MuEk

Spreading cheer for all to hear!
Discussion Deals
Honey Baked coupons + Today's Special 25% off a 10 in. Tuxedo Mousse Cake
Added on : Tuesday December 10th 2013 07:00:03 AM
g: 1 Posted By: DaysFan
Views: 211 Replies: 0 http://www.honeybakedonline.com/HBOnline/promotions/offers.asp
image

Don't be surprised when guests start asking you for a recipe. Complementary flavors of creamy white and dark chocolate mousse are layered in with moist chocolate cake. Pre-sliced.
Serves 14.

10 in. Tuxedo Mousse Cake PRICE: $39.95 SPECIAL PROMOTION: $29.96
Restaurants & Entertainment Deals
Minimum wage isn't what it used to be
Added on : Tuesday December 10th 2013 04:00:09 AM
g: -1 Posted By: tightpapa
Views: 786 Replies: 9 This article points out a generous earned-income tax credit offsets the lose of earning power of the minimum wage.
http://economix.blogs.nytimes.com/2013/12/09/the-minimum-wage-aint-what-it-used-to-be/

edit splleing lol
Discussion Deals
Minumim wage isn't what it used to be
Added on : Monday December 09th 2013 05:00:10 PM
g: 0 Posted By: tightpapa
Views: 176 Replies: 0 This article points out a generous earned-income tax credit offsets the lose of earning power of the minimum wage.
http://economix.blogs.nytimes.com/2013/12/09/the-minimum-wage-aint-what-it-used-to-be/
Discussion Deals
Advice on job opportunity, financial planning...
Added on : Monday December 09th 2013 02:00:14 PM
g: 0 Posted By: peteron
Views: 386 Replies: 3 Hello FWers, my phd program is coming to an end, and I was recently awarded a postdoc fellowship at a govt research center located at mountainview, or silicon valley. The job will start in next April. Before accepting this offer, I have some concerns on financial arrangements. I was awarded a stipend of $64k, which I believe is non-taxable. My wife and 20 month son will relocate with me. Family insurance is shared between me and the research institute. I need to pay $167.55 monthly out of pocket. The insurance does NOT cover dental or vision.
About this job, I consider it a good opportunity - only the living cost is a concern to me. My phd program mostly produces scientists and professors. We donot earn 120k+bonuses like other new grads in the silicon valley tech companies.So this is not a discussion of 'why dont you find a better pay or go to industry?'. I mostly want to know how likely it is to maximize our living at (around) moutainview at my salary level.
My financials are: $20k in saving account. No student loans. No significant credit card debts. Car loan of $16800 with APR 0.71% (monthly payment is around $389). Car insurance of $472 for six months (Geico).We are not big spenders and always pay in full credit cards. I am thinking of starting to invest in stock in near future. My questions are, Is it like to rent a 2-bedroom or a big-size 1-bedroom at 1500-1800/month near the area? I will avoid the expensive places and a radius of 15-20 miles should be acceptable. Is public transit conveneient, so I can commute to save on gas? I will have to buy full coverage on the car since it is not paid off. I donot know how much would that be in MV. We usually go to Asian market to save on grocery, and I suspect this can be done at MV, am I right? Also I probably need to purchase dental and vision insurance by ourselves. Finally, there will be day care needs for my son... We are trying to save as much as we can, so we can start to own our own place once we settled down. Please give me advice or tips on how to arrange my finance at this new place.

Edit:
I am sure the stipend is not taxable, and should not have withholding.
Personal Finance Deals
Advice on job opportunity
Added on : Monday December 09th 2013 01:00:07 PM
g: 0 Posted By: peteron
Views: 48 Replies: 0 Hello FWers, my phd program is coming to an end, and I was recently awarded a postdoc fellowship at a govt research center located at mountainview, or silicon valley. The job will start in next April. Before accepting this offer, I have some concerns on financial arrangements. I was awarded a stipend of $64k, which I believe is non-taxable. My wife and 20 month son will relocate with me. Family insurance is shared between me and the research institute. I need to pay $167.55 monthly out of pocket. The insurance does NOT cover dental or vision.
About this job, I consider it a good opportunity - only the living cost is a concern to me. My phd program mostly produces scientists and professors. We donot earn 120k+bonuses like other new grads in the silicon valley tech companies.So this is not a discussion of 'why dont you find a better pay or go to industry?'. I mostly want to know how likely it is to maximize our living at (around) moutainview at my salary level.
My financials are: $20k in saving account. No student loans. No significant credit card debts. Car loan of $16800 with APR 0.71% (monthly payment is around $389). Car insurance of $472 for six months (Geico).We are not big spenders and always pay in full credit cards. I am thinking of starting to invest in stock in near future. My questions are, Is it like to rent a 2-bedroom at 1500/month near the area? I will avoid the expensive places and a radius of 15-20 miles should be acceptable. Is public transit conveneient, so I can commute to save on gas? I will have to buy full coverage on the car since it is not paid off. I donot know how much would that be in MV. We usually go to Asian market to save on grocery, and I suspect this can be done at MV, am I right? Finally, I probably need to purchase dental and vision insurance by ourselves. We are trying to save as much as we can, so we can start to own our own place once we settled down. Please give me advice or tips on how to arrange my finance at this new place.
Personal Finance Deals
HELP! NYC Monthly Budget Planning
Added on : Monday December 09th 2013 11:00:08 AM
g: 0 Posted By: jessicalf
Views: 165 Replies: 4 This is my first post so please be gentle

I just moved back to the US from London and was lucky enough to score a job in NYC paying me $85k. I'm trying to get my head around what is realistic for out goings. In reality, as rent will be my largest outgoing, I'm wondering how much I can afford for a place without feeling strapped financially. I'm between two options at the moment, with a big price difference, among others..

Monthly Budget Option A:
Net Income: about $4500
Rent option a.) 1,033
Utilities: $170 with TV etc
Travel: $130
Groceries: $400
Dry cleaning: $100
Student loans: $150
Gym: $100

Leaves about $2,417 for discretionary money. (My work pays for my cell phone bill.)

Monthly Budget Option B:
Net Income: about $4500
Rentoption b.)1,830
Utilities: $170 with TV etc
Travel: $130
Groceries: $400
Dry cleaning: $100
Student loans: $150
Gym: $100

Leaves $1,620for discretionary money.

I realize that's a pretty big difference, but the rent of $1.830 is in a two story 2/2 and is much larger and downtown. For the other place I'm getting a shoe box on the UES sharing a bathroom with two others. I'm not all that fussy, but worried about savings, discretionary spending etc versus having a significantly nicer place... Wondering what other people's experiences have been in NYC. I don't want to get into a situation where I'm tied into a lease I feel I can't afford. I tend to go out on weekends and am sure I can definitely spend quite a bit of money experiencing all the great things NYC has to offer..

Any helpful insight would be much appreciated Thanks!
Personal Finance Deals
g: 0 Posted By: MISTERCHEAP
Views: 50 Replies: 0 NOTE: This is the on box peelie rebate, not the smartsource gelpacs AND jet dry rebate. Please respond only if you have info on the "TRY ME FREE" peelie on box rebate.

What a bunch of nonsense. Mailed this rebate back in September, 3 months later, still no rebate. Call the # on the Finish box to inquire, get the run around, well, we need to know what PO Box you mailed it to? I ask 'well, don't you just have a website I can track this at"...."no sir we are just the manufacturer, we have nothing to do with those rebates"....well....aren't you FUNDING these rebates? If this is your CUSTOMER SERVICE #, shouldn't you have a way to look up the info?

TheyGive me some BS that they'll take my name and address and "research it". I'm like...so when will I hear back? Girl cops an attitude about it. Just hung up. Never had so much hassle over a $3.99 rebate in my life! What a crappy/rude and unresponsive company.

Anyone else get their's? What's been the turn around time?


Discussion Deals
g: 1 Posted By: remick
Views: 160 Replies: 0 http://www.amazon.com/gp/product/B00DUGSQNY

With their voracious feeding habits and spectacular aerial antics, snook may be saltwater fly fishing's most exciting gamefish. These elegant creatures can be elusive, but once they're hooked, they strike hard, run far, and jump high. Zeigler introduces the thrills of fly fishing for snook to beginners and provides new insights for experienced snookers looking to build their knowledge and skills. He shares effective techniques for snooking in different seasons and environments, from mangrove estuaries to night fishing to sight fishing along the beaches. After discussing the necessary gear for snook fishing, Zeigler gives specific instructions on how to tie essential knots for snook and the best flies to use under various conditions. Sure to inspire, entertain, and enlighten fly fishers who have ever pursued or dreamed of pursuing these magnificent gamefish.
Books Deals

Amazon Coupons
Quick Credit Card Tip
Added on : Sunday December 08th 2013 11:00:06 PM
g: 1 Posted By: cheapedy
Views: 155 Replies: 1 A quick credit card tip that proved to be really useful......have the Customer Service number of each card listed in your cell phone contacts. I was in Las Vegas this past Thanksgiving weekend and managed to misplace one of the three credit cards in my wallet. As soon as I realized it was gone I quickly called and cancelled it, then continued enjoying my trip.
Discussion Deals
Question: Rite Aid $ off coupons and +UPs
Added on : Sunday December 08th 2013 06:00:07 PM
g: 0 Posted By: 100Clams
Views: 64 Replies: 0 I received in the mail a set of Rite Aid coupons, $6 off $30 purchase. Today I went to a store and assembled a $30 purchase. I had about $23.50 in +UPs on my card. The cashier rang it up, and when I handed over the coupon for $6 off of $30, the total was already (before the $6.00 coupon) about $7.80 with tax instead of $30.00 before tax. So the $30 purchase had been diminished by the $23.50 of +UPs, making the $ off coupon inapplicable. This came as a surprise; I considered +UPs to be a form of payment -- to be used to pay the balance. Was there a way to do the following?

Subtotal (before tax and coupons): $30.00
$5 off of $30.00 purchase: (6.00)
+UPs: ($23.50)
Subtotal (after coupons, before tax): $0.50

Discussion Deals
g: 0 Posted By: iLetTheDogsOut
Views: 179 Replies: 0 http://www.kmart.com/bensussen-deutsch-ds-pok-233-mon-hard-case-...
Nintendo DS Deals

Kmart.com Coupons
g: 0 Posted By: DaysFan
Views: 190 Replies: 0 *50% off your highest priced item + Free Standard Shipping on orders over $25 applies to merchandise total, not including shipping and handling or taxes.Discount applies to single units of items. Express/Superfast charges are extra. Does not apply to Clearance items or Shoes. Not applicable on purchases from The Sportsmans Guide, PlusSizeLiving, eBags, non-KingSize items on OneStopPlus.com, and all merchandise that is shipped directly from the manufacturer and shipped internationally.


Enter KS16125 in the Promotion Code box in your Shopping Cart, then click Apply.

Your discount and free shipping will be applied automatically. Not redeemable for cash. Not applicable to payment of prior purchases, charges, gift cards or e-gift cards.

Cannot be combined with any other discount

offer.Expires 12/16/13 at 11:59pm ET

http://www.kingsizedirect.com/
Clothing Deals

King Size Direct Coupons
Charlotte Russe - Buy 1/Get 1 50% off everything, including clearance
Added on : Saturday December 07th 2013 04:00:08 AM
g: 0 Posted By: aunttk
Views: 193 Replies: 0 FS on orders of $65 or more

http://www.charlotterusse.com
Clothing Deals

Charlotte Russe Coupons
Free pint glass BIGASSFANS
Added on : Friday December 06th 2013 06:00:11 PM
g: 0 Posted By: hussaroo
Views: 206 Replies: 0 Visit bigassfans.com/offer and enter promo code MPEL1213 or call 877-358-0672

have to give business info
Home, Auto & Pets Deals
2013 - A Lucrative Year For Churning.. Or Was It?
Added on : Friday December 06th 2013 03:00:10 PM
g: 0 Posted By: BradisBrad
Views: 114 Replies: 3 Tell us about your experiences in the arena this year. Inspire us.

How was your 2013 churning through AORs/CB/Resale/Rebates/Miles/etc?



(FYI - pics or it didn't happen)
Discussion Deals
Free Swim Ring
Added on : Friday December 06th 2013 02:00:05 AM
g: -1 Posted By: sarahlast
Views: 173 Replies: 1 Free swim ring: https://www.facebook.com/tenplusservice/app_190322544333196
Totally Free Deals
Musings of a mad man - why I think the economy may be in big trouble
Added on : Thursday December 05th 2013 06:00:09 PM
g: -3 Posted By: fixfox69
Views: 368 Replies: 3 Sure, the Stock Market is making new record high, but I'm seeing "cracks in the economic egg", here's why:
Online:
*In recent months I noticed that merchants, Staples and Amazon in particular, have been pushing more and more bulk items - huge packs of TP, paper towels etc..
* "Black Friday" was the worst ever - most of the deals I thought were "phantom" deals, merchants were dumping old stock and their SALE prices unlike years past, were about the same as what "completed listings" showed on eBay (speaking of which, I stopped selling on eBay earlier this year).
* Amazon raised their free shipping minimum a whopping 40%. Staples "Black Friday" was such a "success" they're extending it with more lame deals, their mostly junk emails informed me.
WalMart, Kmart ads/flyers I thought were waste of paper.
B&M:
For the first time, some merchants started "Black Friday" early in the week and some were opened early on Thanksgiving in an effort to suck in shoppers.
Went to Staples on "Black Friday" (they opened at 8PM on Thursday) - there were more employees than customers same @ WAG/RA/CVS. The streets, which in past years were full of shoppers looked deserted.
I don't subscribe to the school of thought that says that "phantom" deals are actually a sign of of economic strength. I'm sensing merchants nervousness if not desperation.
At least that's the way I see it.
End of musings.
PS
Happy 2014.

Discussion Deals
auto accident. wife in pain
Added on : Thursday December 05th 2013 04:00:06 PM
g: 0 Posted By: jblake86
Views: 143 Replies: 1 Earlier this week myself and my wife were going through an intersection and got hit by someone who in our minds ran a red light. Witness statements agreewith this. The accident Iitself iis going through due diligence. The problem I have is my wife has really sore legs starting today. She Iis in pain when walking up or down stairs or pretty much anything where her legs are used much. Normally I would just tell her to go to the doc and have it looked st. Problem is I just switched jobs and have no insurance until jan 1. What can the other driver be on the hook for and how should I handle this. I am by no means looking to screw anyone but without insurance (health) what are my options.?
Discussion Deals
Road trip suggestions NYC -gt; New Orleans -gt; Las Vegas
Added on : Thursday December 05th 2013 11:00:07 AM
g: 0 Posted By: mysteryAgain
Views: 29 Replies: 0 Continuing from this thread,we (a couple in late 20s, adventurous) decided to drive from NY to Las Vegas via New Orleans,leaving NYC on Dec 20 and returning (by plane) from Las Vegas on 31. ( I am fully aware that we're celebrating New Years in the sky). So we have about 11 days to make the trek.

How feasible is it and what are must see spots along the road? Please suggest.

Discussion Deals
Supreme Court Taking on Frequent Flyer AA
Added on : Wednesday December 04th 2013 03:00:08 AM
g: 3 Posted By: rsrvoir
Views: 53 Replies: 1 http://www.cnn.com/2013/12/03/politics/court-frequent-flyer/

Airline doesn't like how a frequent flyer complains about service issues so they close his account and clawback his earned rewards citing "abuse". Frequent flyer sues and his case has made it to the supreme court. Not sure how/when they will rule, and how applicable it will be to other industries (at least in part due to the unique issues of airline deregulation), but it seems like it could have some interesting implications for anyone fighting for lost rewards (could it help recover TY points, UR points, etc, etc.??)
From the Article said: "If the airline has an unreviewable right to terminate this agreement for any reason or for no reason, then it's an illusory contract," said Justice Ruth Bader Ginsburg. "If one party can get out willy-nilly, what kind of bargain is it" for the consumer?
Discussion Deals
Kids' Bicycles @ Kmart.com - From $24.99
Added on : Tuesday December 03rd 2013 05:00:04 PM
g: 0 Posted By: Virgil27
Views: 213 Replies: 0 Kids' Bicycles @ Kmart.com - From $24.99
Free In-Store Pick-Up  (FatWallet Deal Hunter staff posts are certified ad-free. No money, bribes, or candy have been accepted.)
Bicycle Deals

Kmart.com Coupons
g: 2 Posted By: oabcdes
Views: 362 Replies: 0 http://www.kmart.com/search=kids%20bike&24.99-25?filter=Price&ca...

Looking to buy a bike for my niece for Christmas and came across a bunch of these on sale marked down from $49.99 to $24.99 with free instore pickup or shipping for SYWMAX at Kmart.
Toys Deals

Kmart.com Coupons
g: 0 Posted By: Gauss44
Views: 314 Replies: 2 Warning: If you try to sell bitcoin, you WILL have to deal with scammers <----- And I REALLY mean that. (This is as true as it gets, not one person's experience. Google it if in doubt.)

That being said, there seems to be an opportunity for those of us who are daring or smarter than the bad guys. If you look on eBay, or almost anywhere bitcoin is being sold right now, you'll notice that it's selling at all different prices. One bitcoin can go from anywhere between $950 to $3000 for just one. And it's being bought up quickly. The opportunity is buy low, sell high (and double your money if you can sell without being scammed).

The trouble with this seemingly easy plan, is the execution of it. How to get around triangle scams and middleman scams from dishonest buyers (described below). Anyone have any luck selling bitcoin? Or any tips?


Descriptions of scams below (no need to read if you are familiar):

Example of a common scam: Person A is a matchmaker between the buyer and the seller. Person A tells the buyer to send money to the seller. And Person A tells the seller to send bitcoin to the buyer. Instead of providing the buyer's bitcoin account, Person A provides his own account or wallet number. The Result: Person A gets bitcoin. Meanwhile the buyer gets nothing. The buyer then accuses the seller of fraud, and requests his money back....

An alternative version: An eBay customer or hacked eBay account starts buying bitcoin on eBay. The seller receives a payment, or payment on hold, at Paypal. The seller sends bitcoin to what he thinks is the seller's account or wallet. Then buyer calls Paypal and says their eBay account was hacked and Paypal reverses the payment, refunding the buyer. The seller is stuck with nothing (bitcoin was sent, payment was reversed. Note that these crooked eBay buyers often have hundreds of positive reviews.




Discussion Deals
g: 0 Posted By: altseeker
Views: 54 Replies: 0 Hello FWF community,

I'm hoping you can offer some sound advice for my particular situation, as you've helped many others in the past. Apologies for the abundance of text to follow, but I'll try to be as concise and clear.

Situation:
I inherited my grandfather's dwelling (studio apartment) in Moscow, Russia, after his passing last year. The property has been in my name since last October (I believe). My grandmother and my cousin have power of attorney to conduct various business related to the property (leasing, collecting rent, paying bills, etc.). They do not, however, have power of attorney to sell the property.

My grandmother has been renting out the place for the last year and collecting rent on it (it's been supplementing her monthly pension). She has also been the one paying the various bills, taxes, etc. I've been very hands-off on the whole process. Speaking with grandma the last few weeks, she's asking me to just sell the place, as it's getting difficult for her to manage all the activities on her own (I'm actually surprised she hasn't asked sooner, as she's in her 80s). While my cousin does have power of attorney, I would not count on her to get much done. The only reason she was really given power of attorney is in case something happened to grandma and I required her urgent help with the apartment.

Ideally, I would like to hold on to the property and have a property management company take care of all the necessary work associated with renting, paying bills, etc. However, I'm weary of dealing with a company located in Russia, and would much rather work with someone in the U.S. that can take care of things over there (my English is far better than Russian and I feel that if things were to go south, it's far easier to deal with an entity on U.S. soil, especially if legal action needs to be taken). So far, I've not been able to locate a company that provides this service within the U.S.

If selling the place, I would also much rather go through a company located in the U.S. that can take care of all related activities. Through my searching, I've only found Sotheby's as a possible option here. But looking through their site, it appears they only specialize in high-end real-estate abroad. I doubt they would want to touch a studio apartment in Moscow (it's not located in a high cost of living part of Moscow, and from what I've been told is worth around $130k).

If the two options above aren't realistic, I need to rely on my grandmother and cousin to take care of the sale. This means I would need to give them power of attorney to conduct the sale. From past experience, this was a big pain. In a perfect world, this is supposed to be a fairly easy thing to do via the Russian consulate. In the real world, this was a waste of time due to the consulate's general incompetence and lack of giving a sh*t (I was working with the Russian consulate in San Francisco). After spending weeks trying to get this done remotely, I finally ended up booking a flight to Moscow and spending a week there going through the process of granting grandma/cousin power of attorney. I would like to avoid travelling to Russia if at all possible.

My questions are:
*Are there any property management companies based in the US that help with properties in Moscow, Russia? If not, are there any third parties based in the US that would act as a liaison between myself and a property management company in Russia?
*If I were to sell the apartment, are there any US based companies that can facilitate the entire transaction? As above, if no US company can do this, are there any that can act as a liaison?
*If the above two aren't an option, are there at least any resources that can help with granting the needed power of attorney to my grandmother/cousin without me having to deal with the Russian consulate in the US or having to travel to Russia?

Thanks in advance.
Real Estate Deals
kingsizedirect.com/ Free Shipping
Added on : Monday December 02nd 2013 06:00:08 PM
g: 0 Posted By: DaysFan
Views: 252 Replies: 0 http://www.kingsizedirect.com/

Free Shipping applies to merchandise total, not including shipping and handling or taxes. Express/Superfast charges are extra. Does not apply to Clearance items or Shoes. Not applicable on purchases from The Sportsmans Guide, PlusSizeLiving, eBags, non-KingSize items on OneStopPlus.com, and all merchandise that is shipped directly from the manufacturer and shipped internationally. Enter KSCYBER in the Promotion Code box in your Shopping Cart, then click Apply. Your free shipping will be applied automatically. Not redeemable for cash. Not applicable to payment of prior purchases, charges, gift cards or e-gift cards. Cannot be combined with any other discount offer.
Expires 12/2/13 at 11:59pm ET.

free shipping code KSBR092
EXPIRES 1/7/2014

1-800-846-1600


Clothing Deals

King Size Direct Coupons
g: 0 Posted By: 116sloppyjoe116
Views: 1 Replies: 0 Link

Movies include:

Pee Wee's Big Adventure (1985)
Beetlejuice (1988)
Batman (1989)
Batman Returns (1992)
Mars Attacks! (1996)
Corpse Bride (2005)
Charlie and the Chocolate Factory (2005)

More discussion in old threads hereand here
g: -1 Posted By: mrsmom1992
Views: 142 Replies: 1 All, unsure if it's a great deal.. but passing it on:

IPAD MINI -- http://fullofdeals.com/redirect/bounce.php?afsrc=1&mid=18146369&eurl=http%3A%2F%2Fwww.radioshack.com&orig=forums.deal-discussion that are "refreshed" sold out online for the 16GB. Anyone know what refreshed means to http://fullofdeals.com/redirect/bounce.php?afsrc=1&mid=18146369&eurl=http%3A%2F%2Fwww.radioshack.com&orig=forums.deal-discussion. Here is the description on the web:

NOTE: This product is a customer return unit that has been reset and refreshed like new to manufacturer's specifications. The manufacturer's warranty period is 1 year from the date of initial customer purchase.

http://fullofdeals.com/redirect/bounce.php?afsrc=1&mid=18146369&eurl=http%3A%2F%2Fwww.radioshack.com%2Fproduct%2Findex.jsp%3FproductId%3D29461396%26retainProdsInSession%3D1%26filterName%3DBrand%26filterValue%3DApple&orig=forums.deal-discussion
32GB Apple iPad mini with Wi-Fi 32GB (White, Refreshed)
Model: MD532LL/A (Refreshed) NOTE: This product is a customer return unit that has been reset and refreshed like new to manufacturer's specifications. The manufacturer's warranty period is 1 year from the date of initial customer purchase.

| Catalog #: 25-3798
Web Only PriceSale Price:$309.00
ADD: $10 FOR EVERY $50 YOU SPEND HOLIDAY CASH
Receive a $10 Holiday Cash coupon for every $50 in qualifying purchases per transaction (before tax/shipping) at participating stores and http://fullofdeals.com/redirect/bounce.php?afsrc=1&mid=18146369&eurl=http%3A%2F%2Fwww.radioshack.com&orig=forums.deal-discussion through 1/4/14. A maximum of nine Holiday Cash coupons can be earned per transaction, but only one coupon can be redeemed per transaction. Coupons will be valid starting three days from date of purchase.

iPads Deals

RadioShack Coupons
Pebble SmartWatch $130 today with Free Shipping
Added on : Monday December 02nd 2013 04:00:11 AM
g: 0 Posted By: RancidYeti
Views: 241 Replies: 0 The Pebble SmartWatch is $20 off today with free shipping. Most colors are still available.

​Link


Watches Deals
g: 2 Posted By: imanemokid
Views: 551 Replies: 0 Publix Super Deal = FREE ?? Seafood Shrimp Appetizers & Frozen Food til 12/4 + (Gas GC Today Only 12/1/13)

Publix Premium Panko Breaded Pollock Fillets ...BUY 1 GET 1 FREE Wild Alaskan, 12-oz box ... SAVE UP TO $5.99 ... use 2 of the T $2 of Qz and get them for $1 each (they are tasty) ... ValidthruDecember 4, 2013

Also, Publix Jumbo Butterfly Shrimp is on advantage buy for $4 (reg $5.49) - use $2 off Q - pay $2 ea (really tasty)

And Publix Premium appetizers are on advantage buy for 2/$5 (reg $3.49) - use $1 off Q - pay $1.50 - (mozzarella stix / green beans / spinach cheese puffs / fried cheese ravioli)

You should be able to use the $5 off $ 25 Frozen Food Qz (2) and $2.00 off Simply Balanced seafood Qz and $1 off appetizer Qz

$5 off Frozen food purchase of $25+ (12-24-13).pdf

$2 off Simply Balanced Seafood (12-7-13).pdf

8 Pollock / 4 shrimp / 4 appetizers = $50 minus $38 in T Qz = $12.00 ( that's not counting $10 gas GC and if you have the ETC WD Qz)

FINAL PRICE COULD BE FREE ( or less )

and can also use 2 of the Enjoy The City $5 off $30 Winn Dixie Q w/ $60 and the "<<" marked below as competitor Qz

$1 off 7.2 to 32oz Market Pantry frozen appetizer (12-7-13) <<
$1 off California Pizza Kitchen frozen pizza (12-1-13)
$1 off two 1.5qt.+ Market Pantry frozen dessert items (12-7-13) <<
$1.25 off two Archer Farms frozen pizzas or flatbreads (12-7-13) <<
$1.50 off 40oz+ Market Pantry frozen fruit (12-7-13) <<
$1.50 off 57 to 96oz Stouffer's partysize frozen entree (12-1-13)
$1.50 off WPO two Market Pantry frozen chicken (12-7-13) <<
$2 off Simply Balanced frozen seafood item (12-7-13) <<
$2.50 off four Marie Callender's chicken or turkey pot pies (12-7-13)

above Qz available at link below

more TQz available for a limited time at LOFz Official Target Printable Coupons Master Thread (cont.)



EXPIRED >> $1O OFF THE PURCHASE OF ONE (1) $5O GAS CARD WITH A GROCERY PURCHASE OF $50 OR MORE - TODAY ONLY 12/1/13 ** << EXPIRED

**3 DAYS ONLY COUPON EFFECTIVE FRIDAY, NOVEMBER 29 THROUGH SUNDAY, DECEMBER 1, 2013. Original coupon and single receipt for $50 grocery purchase required for each deal. Gas card(s) must be purchased during same visit. Selection may vary by store. Excluding all phone and gift cards, tobacco, alcohol, lottery items, money services, fuel, postage stamps, and prescriptions. Customer is responsible for all applicable taxes. Reproduction or transfer of this coupon constitutes fraud. LU#10115
Seafood & Meats Deals
g: 0 Posted By: imanemokid
Views: 143 Replies: 0 Publix Super Deal = FREE ?? Seafood Shrimp Appetizers & Frozen Food til 12/4 + Gas GC Today Only

Publix Premium Panko Breaded Pollock Fillets ...BUY 1 GET 1 FREE Wild Alaskan, 12-oz box ... SAVE UP TO $5.99 ... use 2 of the T $2 of Qz and get them for $1 each (they are tasty) ... ValidthruDecember 4, 2013

Also, Publix Jumbo Butterfly Shrimp is on advantage buy for $4 - use Q - $2 ea (really tasty)

And Publix Premium appetizers are on advantage buy for 2/$5 (reg $3.49) - use $1 off Q - pay $1.50 - (mozzarella stix / green beans / spinach cheese puffs / fried cheese ravioli)

$1O OFF THE PURCHASE OF ONE (1) $5O GAS CARD WITH A GROCERY PURCHASE OF $50 OR MORE - TODAY ONLY **

You should be able to use the $5 off $ 25 Frozen Food Qz (2) and $2.00 off Simply Balanced seafood Qz and $1 off appetizer Qz

$5 off Frozen food purchase of $25+ (12-24-13).pdf

$2 off Simply Balanced Seafood (12-7-13).pdf

8 Pollock / 4 shrimp / 4 appetizers = $50 minus $38 in T Qz = $12.00 ( that's not counting $10 gas GC and if you have the ETC WD Qz)

FINAL PRICE COULD BE FREE ( or less )

and can also use 2 of the Enjoy the City $5 off $30 Winn Dixie Q w/ $60 and the "<<" marked below as competitor Qz

$1 off 7.2 to 32oz Market Pantry frozen appetizer (12-7-13) <<
$1 off California Pizza Kitchen frozen pizza (12-1-13)
$1 off two 1.5qt.+ Market Pantry frozen dessert items (12-7-13) <<
$1.25 off two Archer Farms frozen pizzas or flatbreads (12-7-13) <<
$1.50 off 40oz+ Market Pantry frozen fruit (12-7-13) <<
$1.50 off 57 to 96oz Stouffer's partysize frozen entree (12-1-13)
$1.50 off WPO two Market Pantry frozen chicken (12-7-13) <<
$2 off Simply Balanced frozen seafood item (12-7-13) <<
$2.50 off four Marie Callender's chicken or turkey pot pies (12-7-13)

above Qz available at link below

more TQz available for a limited time at LOFz Official Target Printable Coupons Master Thread (cont.)



**3 DAYS ONLY COUPON EFFECTIVE FRIDAY, NOVEMBER 29 THROUGH SUNDAY, DECEMBER 1, 2013. Original coupon and single receipt for $50 grocery purchase required for each deal. Gas card(s) must be purchased during same visit. Selection may vary by store. Excluding all phone and gift cards, tobacco, alcohol, lottery items, money services, fuel, postage stamps, and prescriptions. Customer is responsible for all applicable taxes. Reproduction or transfer of this coupon constitutes fraud. LU#10115
Seafood & Meats Deals
g: 0 Posted By: agertzen
Views: 170 Replies: 2 Yes, this is not my blog, etc, but I thought the FW community would enjoy reading this article:
http://www.nydailynews.com/news/national/late-seattle-man-wore-holes-clothes-leaves-behind-188m-article-1.1532305

Discussion Deals
g: 2 Posted By: bpvh
Views: 312 Replies: 1 OfficeMax MaxPerks Bonus Rewards week of 12/01/2013: 20 pack Duracell AA or AAA batteries pay 16.99, get back $16.98 in rewards


At the moment in-store only. Will update when the OfficeMax.com MaxPerks page updates soon after midnight Sunday morning.


DURACELL CopperTop AA or AAA Batteries, 20-Pack
YOU PAY $16.99 - YOU GET $16.98 back in MaxPerks Bonus Rewards* = 1 cent
2225-9681/2225-6773
Limit 2. Available in store only.


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

bpvh's unofficial OfficeMax MaxPerks FAQ LINK

=======================
Electronics Deals

OfficeMax Coupons
Whats your take on economy direction
Added on : Friday November 29th 2013 11:00:12 AM
g: 0 Posted By: VAIndigo
Views: 184 Replies: 2 I heard strong opinions on both sides. Some articles and personal opinions suggest we are on a strong footing while there are other respected analysts believe things are largely covered up and economic and financial future here is ugly.
Which side of the fence are you and what is your reasoning?

You see articles in papers stating housing recovery is great while you see some analysts saying its doomed. I am in no means saying this guys is a reputed and noteworthy but the sentiment is there.
http://www.etfguide.com/commentary/1152/Is-the-U.S.-Housing-Market-Far-Worse-than-Reported/

Has housing market in up trend or not yet? My personal experience from Northern Virginia area is ... builders are saying "Good you want to buy a house .. let me put you on waiting list .. sorry i am oversold for this month. I can't sell anymore until next month..." .. Hmmm
Discussion Deals
REQUEST: Info about Norwalk Connecticut
Added on : Friday November 29th 2013 08:00:22 AM
g: 0 Posted By: FWOB
Views: 158 Replies: 2 I need information for a family member regarding the Norwalk, Connecticut area. The person is a young, single female starting a new job there and needs to know anything that would help. I would appreciate any information regarding apartment rentals and other information regarding safety, shopping, and generally useful things for a resident of another state. Thanks.
Discussion Deals
Individual James Bond Blu-ray movies $3.99 @ Bestbuy (B&M & Online)
Added on : Friday November 29th 2013 07:00:13 AM
g: 0 Posted By: thedbn
Views: 183 Replies: 0 Licence to Kill
The Man with the Golden Gun
Live and Let Die
From Russia With Love
Dr. No
Die Another Day
For Your Eyes Only
Goldfinger
The World is Not Enough
On Her Majesty's Secret Service
You Only Live Twice
Octopussy
Goldeneye
Diamonds Are Forever
The Spy Who Loved Me
Tomorrow Never Dies

Skyfall $7.99

The first 9 are ultimate editions
Blu Ray Deals

Best Buy Coupons
Nest Thermostat Deals - Multiple Offers - YMMV
Added on : Friday November 29th 2013 07:00:09 AM
g: 0 Posted By: silverteg2nv
Views: 179 Replies: 0 Ok, so I am in the market for a Nest Thermostat and after doing some research, here is what I have found -

www.nest.com
- FREE Nest withan agreement from an energy company - Green Mountain Energy, Infinite Energy, NRG Residential Solutions and Reliant Energy...
- The agreement terms vary and obviously not available everywhere so YMMV

- $100.00 Instant Rebate available from National Grid and New Jersey Natural Gas - Already discussed in a previous post but I wanted to include in this as a summary

- Additional MIR are available from multiple providers (these MIR are available regardless of where you purchase the Nest.........so keep this in mind when shopping)

www.apple.com
- $249.99 and get a $50.00 Apple Gift Card with purchase (appears to be BF only, but I cannot confirm.....)
- 1.0% Cash Back

If anyone else has anything to share, please add.





Electronics Deals
Samsung toner 40% off at Newegg today (BF) only
Added on : Friday November 29th 2013 06:00:05 AM
g: 0 Posted By: b100
Views: 75 Replies: 0 I know it's not as sexy as a tablet or a TV, but genuine Samsung toner is on sale for 40% off at Newegg today only (until funds run out) with promo codeEMCWWVL222. Max discount of $75, coupon can be used 1 time per account. For my printer's cartridge, it was the lowest price I've seen this year on genuine toner. For my printer, there was another seller with a slightly lower price than Newegg, so be sure to select Newegg as the seller to be able to use the promo code.

This code was buried in their giant BF email from last night...apologies if it's being discussed elsewhere, but I searched and couldn't find anything.


Ink & Toner Deals

Newegg Coupons
Nintendo DS Lite $39.99, Wii - 49.99 (used/refurb. consoles) - Gamestop
Added on : Friday November 29th 2013 02:00:06 AM
g: 0 Posted By: Gauss44
Views: 83 Replies: 0 Nintendo DS Lite (backwards compatible with Gameboy Advance) -http://www.gamestop.com/browse?nav=16k-3-nintendo+ds,28zu0
Wii (unavailable online, available in stores) -http://www.gamestop.com/browse?nav=16k-3-wii+console,28zu0
Nintendo DS Deals

GameStop Coupons
$39.99 Bedding Sets (8 pieces, all sizes) - Macys B&M or pay shipping
Added on : Friday November 29th 2013 01:00:02 AM
g: 0 Posted By: Gauss44
Views: 0 Replies: 0 http://www1.macys.com/shop/bed-bath/bed-in-a-bag?

In the left column, sort by price $39 to $40 to find the ones on this sale.
g: 0 Posted By: ziolo
Views: 131 Replies: 0 http://www.amazon.com/Seuss-Grinch-Christmas-Deluxe-Edition/dp/B...

Free Shipping with Amazon Prime.
DVD Deals

Amazon Coupons
g: 0 Posted By: Gauss44
Views: 0 Replies: 0 http://www.sears.com/rival-7-qt-stoneware-slow-cooker-w-bonus-travel/p-00864475000P?

Regular price is $44.99

I saw this in the store today. It didn't have any plastic, which is a healthy choice. Even the lid is made of glass.
How to quickly load money to Serve without a fee?
Added on : Thursday November 28th 2013 01:00:16 PM
g: 0 Posted By: billrubin
Views: 79 Replies: 0 I don't know what happened to the old main Serve thread so I am posting a new thread. I tried loading some rebate debit cards into my Serve accounttoday. It stopped allowing it after the first two. Found some threads here (locked) which say it's nowbeing frowned upon. I need to get another $150 into the account so I can use it at OfficeMax for their discounted credit card deal in a few hours. Are there credit cards which are known not to consider a Serve load a cash advance so I can get the money into the account to use ISIS(for the 20% back) for the purchase and not pay a fee to get it there?Thanks..
Discussion Deals
KMart Gray Thursday Layaway Deal Seiki 50" LED HDTV @ 6am TODAY
Added on : Thursday November 28th 2013 12:00:04 AM
g: 0 Posted By: imanemokid
Views: 168 Replies: 0 Kmart Gray Thursday Layaway Deal Seiki 50" LED HDTV @ 6am TODAY

Sale Ad is $399.99 - Save $100.00

BUT ...

the layaway says 4 payments of $68.00 + $30.00 down (+ tax) ...

which is actually only $$ 302.00 ... so I would definitely try the layaway ...

YMMV ... but it's worth a discussion ... (love a good argument before a big meal) ...


LED TV Deals

Kmart.com Coupons
g: 0 Posted By: fivetalents
Views: 143 Replies: 0 I just saw that e Bay has a huge Nikon D7000 kit as a daily deal (already almost sold out) for $1,079 + FS

NEW Nikon D7000 Digital SLR Camera + 4 Lens: 18-55mm 55-200 + 24GB Complete Kit

In The Box

EN-EL15 Rechargeable Li-ion Battery
MH-25 Quick Charger; EG-D2 Audio/Video Cable
UC-E4 USB Cable
BM-11 Monitor Cover
DK-21 Rubber Eyecup
AN-DC1 Camera Strap; DK-5 Eyepiece Cap
BF-1B Body Cap; BS-1 Accessory Shoe Cover


Additional Items Included

Nikon D7000 DSLR Camera (Body)
Nikon 18-55mm f/3.5-5.6G AF-S DX VR Nikkor Zoom Lens Import White Box
Nikon Normal-Telephoto 55-200mm f/4-5.6G IF-ED AF-S DX VR Zoom-Nikkor Autofocus Lens for Nikon Digital Cameras
52mm 2X Professional Telephoto Lens
High Definition 52mm Wide Angle Lens
Digital DSLR Auto Power Slave Flash
Transcend 16GB Class 10 SDHC Card (TS16GSDHC10)
Transcend 8 GB Class 10 SDHC Flash Memory Card TS8GSDHC10
Tru Digital Camera Lens & Accessory Backpack Black/Silver
50" Photo Video Quality Tripod
Water Resistant Shock Proof Camcorder & SLR Camera Case
Hi-Speed SD USB Card Reader
3 Piece Filter Kit (UV-CPL-FLD) 52mm
52mm Ultraviolet UV Protector Filter
ML-L3 Wireless Remote Control
Camera & Lens 3 Piece Cleaning Kit
Tri-fold Memory Card Wallet
LCD Screen Protectors (Clear)
Table Top Tripod

SLR & dSLR Deals
g: 0 Posted By: Gauss44
Views: 79 Replies: 0 http://www.us.mensa.org/welcome-to-our-site/prior-testing-scores-for-free/

"Right now, American Mensa will review, at no cost to you, prior test scores that could be your ticket into Mensa. If you have previously