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"Poor people dont plan long-term. Well just get our hearts broken"
Added on : Sunday September 21st 2014 05:00:07 PM
g: 0 Posted By: Roaringone
Views: 130 Replies: 0 A super interesting read on one person's experience of living in poverty. She specifically addresses her rationalizations for eating junk food, smoking, not working hard, and not saving (and more!) while living in poverty.

http://www.theguardian.com/society/2014/sep/21/linda-tirado-pove...

And a follow up interview, if you're inclined to read more. Spoiler: she's no longer poor:
http://www.theguardian.com/society/2014/sep/21/linda-tirado-pove...
Discussion Deals
g: 0 Posted By: MrVietnam
Views: 1048 Replies: 24 RA 9/21-9/27

BOGO Quilted Northern and Brawny multipacks

2/$5 Cheerios, Miniwheats, Nutri Grain Bars

$2.22 Simply Purified Water

3/$10.98 with $1 UP Coke 12 pk

$5 UP WYB $15 Garnier/Maybelline L 4 (Monthly Deal)

P.2 is food deals

DiGiorno $2.99 6.5" Pizza and Hot Pockets

$3.49 Bisquick

2/$5.00 Ragu Pasta Sauce

$1 Kraft macaroni & cheese, Campbell's Spaghetti-os

$3.49 Tropicana Pure Premium Orange Juice

P.3 More Food Deals

2/$6 with $1 UP L 4 Raisinets, Weight Watchers, & Skinny Cow 6 pk

3/$3 with $1 UP L 4 Junior Mints, Dots, Mike & Ike

p.4 Halloween sales and Candy

$10.99 with $1 UP L4 Mars, Hershey's or nestle Variety Pack

3/$2 with $1 UP wyb 3 L 2 Mars, Reeses or Peeps single serve Halloween Candy

$5.99 with $1 UP L 4 Whitman's Sampler or Russel Stover Boxed Candy 8-12 oz

P. 5 RA Brand

$19.99 RA Omeprazole $19.99 with $6 In-ad

2/$5 RA Maxi Pads/ Pantiliners/ Tampons / Feminine CLoths $1 UP wyb 2 L 4 (monthly)

2/$10 RA 3 or 5 blade razor with $3 UP wyb 2 L 4 (Monthly)

2/$15 Tugaboos $3 UP wyb 2 L 4 (monthly)

2/$6 Simplify Tissue $1 UP wyb 2 L 2

$4.99 Simplify Peanuts or Trail Mix $4.99, $3 Up WYB $10 L 4

p. 6

$7.99 with $2 UP L 2 Dove, Degree, Secret, or Gillette Clinical AP/Deo or Secret,
Old Spice, Gillette Twin pk

$5 wyb $15 L 2 L'oreal Advanced Hair Care, Studio Stylers or Hair Color (bo50%)

2/$5 with $2 UP WYB 2 L 2 (monthly) Dove or Degree invisible Solid, Degree for men solid

$3.49 Softsoap/Irish Spring BW with $2 In-ad

$2 In-ad Jergens Natural Glow and BB Lotion or Shea Oil

p.7

40% of WNW cosmetics and Fergie Nail Enamel with "coupons in Sunday Paper" verbiage

$2 wyb $5 Sinful Colors, Bonita, and NYC Enamel

$5 with $2 UP Clear Scalp & Hair L 4 (monthly)

$39.99 with $10 UP L 2 Rogaine ($5 VV September) (and Viviscal with $5 coupon
for viviscal in Sunday paper)

Almay bo50% with $5 wyb $20 Monthly on cleansers/removers

P. 7

$10 wyb $30 Mucinex, Delsym L 4 (monthly)

Breathe Right 28-30? ct $5 UP

Prevacid 42 ct $24.99 with $3 UP L 4 ($5 Sept VV)

$3.99 Excedrin FREE($2 MC in Sunday Paper) and $2 current FB coupon

Allegra $23.99 with $4 UP L 3

2/$8 Ricola $3 UP wyb 2 L 2?

p. 9

$17.99 Abreva with $1 UP L 4

$7.99 One a Day $2 MC in Sunday's Papers

Theratears $9.99 with $3 UP L 2

p. 10

Huggies 18.99 big box

16.99 Luvs big box with $2 UP L 2

Similac and Pediasure $3 UP L 2

2/$4 with $1 Up wyb 2 Carefree pantiliners, stayfree pads, ob tampons

$2.99 Colgate TP (Total and Total Advanced) $2 UP L 2

p. 11

$2.99 Tide Simply Laundry detergent

Nothing else worth typing

p. 12

bo50 Arm & Hammer $10 Up WYB $25 L 4 (monthly)

2/16 Nyquil/Vaporub/Dayquil with $2 Up wyb 2 L 2

Gillette Cartridge with Razor Handle $10 Up wyb both L 2 (must buy both in
fine print)

2/$6 Lays/ Doritos $1 UP L 2

$5 UP wyb any sunglassess and reading glasses excludes ASOTV
In Store Promos Deals
Amazon Closing Payment Account
Added on : Sunday September 21st 2014 01:00:09 PM
g: 0 Posted By: ToddC
Views: 115 Replies: 3 Amazon is closing my Payment Account. Has anyone here been subject to this?

Greetings from Amazon Payments,

Our records show you have not used your Amazon Payments account associated with this e-mail address in over a year. We will close your account on October xx, 2014. No action is required. If you prefer to keep this account open, please contact us before October xx, 2014 by calling us at 866-384-6586 or by visiting https://payments.amazon.com/contact.

Please note that this closure does not affect your Amazon.com account. You can still use your Amazon.com account to make purchases.

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

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


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

PS FRN means Federal Reserve Notes i.e.US Dollars
Discussion Deals
Free Rental Car Credits And Damage Waivers
Added on : Sunday September 21st 2014 07:00:15 AM
g: 0 Posted By: robronson
Views: 33 Replies: 1 It's my understanding that credit cards only offer their damage coverage if you pay for the full rental on the card. One "trick" I've heard is to book a rental with your credit card that offers the best reward points (2% Cash Back, perhaps), and if you damage the vehicle, when you return it, ask them to change the credit card payment to a card that offers a better rental car insurance coverage.

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

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

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

What are the FWF-approved ways of safely using these free rental car days?
Discussion Deals
Cuisinart SM-55BK 5-1/2-Quart 12-Speed Stand Mixer, Black $200 at Amazon
Added on : Sunday September 21st 2014 12:00:04 AM
g: 0 Posted By: myonlyday
Views: 167 Replies: 0 Amazon.com has theCuisinart SM-55BK 5-1/2-Quart 12-Speed Stand Mixer for $199.99. This is the lowest price.

http://www.amazon.com/Cuisinart-SM-55BC-2-Quart-12-Speed-Brushed...

800-watt stand mixer housed in durable die-cast metal
12 speeds; 5-1/2-quart stainless-steel bowl; slow-start and gentle-fold functions
15-minute countdown timer; 3 power outlets; auto shutoff; tilt-back head
Chef's whisk, flat mixing paddle, dough hook, and splashguard included
Product Built to North American Electrical Standards

Appliance Deals

Amazon Coupons
g: 0 Posted By: ctgolfer
Views: 130 Replies: 0 one time purchase $7.99

$7.88 and free shipping with S&S

Each blade is individually wax paper wrapped
Each individual package is sealed and contains 5 blades
Made in Russia

www.amazon.com/dp/B001QY8QXM
Health & Beauty Deals

Amazon Coupons
Obamacare penalty will start on which date?
Added on : Saturday September 20th 2014 07:00:10 PM
g: 0 Posted By: ussrfw
Views: 77 Replies: 1 Anyone knows?
Thanks.
Question Deals
g: 0 Posted By: MrVietnam
Views: 874 Replies: 7 RA 9/21-9/27

BOGO Quilted Northern and Brawny multipacks

2/$5 Cheerios, Miniwheats, Nutri Grain Bars

$2.22 Simply Purified Water

3/$10.98 with $1 UP Coke 12 pk

$5 UP WYB $15 Garnier/Maybelline L 4 (Monthly Deal)

P.2 is food deals

DiGiorno $2.99 6.5" Pizza and Hot Pockets

$3.49 Bisquick

2/$5.00 Ragu Pasta Sauce

$1 Kraft macaroni & cheese, Campbell's Spaghetti-os

$3.49 Tropicana Pure Premium Orange Juice

P.3 More Food Deals

2/$6 with $1 UP L 4 Raisinets, Weight Watchers, & Skinny Cow 6 pk

3/$3 with $1 UP L 4 Junior Mints, Dots, Mike & Ike

p.4 Halloween sales and Candy

$10.99 with $1 UP L4 Mars, Hershey's or nestle Variety Pack

3/$2 with $1 UP wyb 3 L 2 Mars, Reeses or Peeps single serve Halloween Candy

$5.99 with $1 UP L 4 Whitman's Sampler or Russel Stover Boxed Candy 8-12 oz

P. 5 RA Brand

$19.99 RA Omeprazole $19.99 with $6 In-ad

2/$5 RA Maxi Pads/ Pantiliners/ Tampons / Feminine CLoths $1 UP wyb 2 L 4 (monthly)

2/$10 RA 3 or 5 blade razor with $3 UP wyb 2 L 4 (Monthly)

2/$15 Tugaboos $3 UP wyb 2 L 4 (monthly)

2/$6 Simplify Tissue $1 UP wyb 2 L 2

$4.99 Simplify Peanuts or Trail Mix $4.99, $3 Up WYB $10 L 4

p. 6

$7.99 with $2 UP L 2 Dove, Degree, Secret, or Gillette Clinical AP/Deo or Secret,
Old Spice, Gillette Twin pk

$5 wyb $15 L 2 L'oreal Advanced Hair Care, Studio Stylers or Hair Color (bo50%)

2/$5 with $2 UP WYB 2 L 2 (monthly) Dove or Degree invisible Solid, Degree for men solid

$3.49 Softsoap/Irish Spring BW with $2 In-ad

$2 In-ad Jergens Natural Glow and BB Lotion or Shea Oil

p.7

40% of WNW cosmetics and Fergie Nail Enamel with "coupons in Sunday Paper" verbiage

$2 wyb $5 Sinful Colors, Bonita, and NYC Enamel

$5 with $2 UP Clear Scalp & Hair L 4 (monthly)

$39.99 with $10 UP L 2 Rogaine ($5 VV September) (and Viviscal with $5 coupon
for viviscal in Sunday paper)

Almay bo50% with $5 wyb $20 Monthly on cleansers/removers

P. 7

$10 wyb $30 Mucinex, Delsym L 4 (monthly)

Breathe Right 28-30? ct $5 UP

Prevacid 42 ct $24.99 with $3 UP L 4 ($5 Sept VV)

$3.99 Excedrin FREE($2 MC in Sunday Paper) and $2 current FB coupon

Allegra $23.99 with $4 UP L 3

2/$8 Ricola $3 UP wyb 2 L 2?

p. 9

$17.99 Abreva with $1 UP L 4

$7.99 One a Day $2 MC in Sunday's Papers

Theratears $9.99 with $3 UP L 2

p. 10

Huggies 18.99 big box

16.99 Luvs big box with $2 UP L 2

Similac and Pediasure $3 UP L 2

2/$4 with $1 Up wyb 2 Carefree pantiliners, stayfree pads, ob tampons

$2.99 Colgate TP (Total and Total Advanced) $2 UP L 2

p. 11

$2.99 Tide Simply Laundry detergent

Nothing else worth typing

p. 12

bo50 Arm & Hammer $10 Up WYB $25 L 4 (monthly)

2/16 Nyquil/Vaporub/Dayquil with $2 Up wyb 2 L 2

Gillette Cartridge with Razor Handle $10 Up wyb both L 2 (must buy both in
fine print)

2/$6 Lays/ Doritos $1 UP L 2

$5 UP wyb any sunglassess and reading glasses excludes ASOTV
In Store Promos Deals
Free Kindle Book- CHEMISTRY Principles and Applications (was $59.99)
Added on : Saturday September 20th 2014 05:00:08 AM
g: 0 Posted By: remick
Views: 148 Replies: 0 http://www.amazon.com/gp/product/B00HTWJ2OM/

The author presents this volume I of chemistry a teaching guide for instructors and students. This book gives first time students of chemistry a useful and compelling introduction to chemistry. To this end, this text book retains qualities that will be familiar to long time users.
The overall goal of this text book is to produce a book that introduces the students to the relevance and excitement of chemistry. This text book addresses the increasing close relationship among various disciplines and shows the relevance of chemistry to contemporary issues in a pedagogically approachable manner. This text book provides a format that allows the instructor to tailor the emphasis to the needs of the class. Step-by-step instructions and plenty of examples are given. This text book, in addition to chemistry majors, discusses exciting and relevant aspects of biological, environmental, and materials science in order to accommodate the needs of first-year chemistry students aspiring for biologically and medically relevant topics.
Books Deals

Amazon Coupons
g: 0 Posted By: st4rdust
Views: 245 Replies: 0 Today only, Amazon has theGraco Pack 'n Play Playard Smart Station(Tangerine) on sale for$134.99with Free Super Saver Shipping.

4.6/5 stars based on 41 customer ratings.

Portable changing station w/ integrated storage
Portable travel bed
Removable hamper
Music and nature sound soother w/ sleep timer
Soft look-light lets you peek in on babys sweet slumber
Overhead toy bar with brightly colored detachable toys
Signature Graco push-button fold to close conveniently
Airy mesh on all sides provides maximum ventilation
Convenient carrying bag for no-fuss travel and storage



According to Google Products, the next lowest price available for this online is $178.68.
Baby Deals

Amazon Coupons
Considerations for going from a 2 income to 1 income household
Added on : Friday September 19th 2014 09:00:13 AM
g: 0 Posted By: BostonOne
Views: 149 Replies: 10 Right now DW and I are both professionals who bring home about the same income. Combined puts us in the top 0.5%. We've considered becoming a one income family which would be doable, but obviously cut our income in about half. Like many FWFers, we live significantly below our means, so there wouldn't be a ton of lifestyle adjustment, it would mostly impact our savings/investment rate and retirement date. Wanted this thread to be a discussion of the considerations others have made when making this move. Most helpful would be an understanding of approximate HH income before & after and what financial & lifestyle decisions you had to make.

Considerations for us:
Retirement- Two incomes puts us easily on track for an early retirement with significant nest egg. One income probably delays this 5-10 years.
House - happy where we are. One income would likely prevent us from living in amazing home in an amazing neighborhood if we wanted to upgrade.
Cars - we buy used and drive our cars to the end of their useful life, so no change here.
Kids - n/a for us, but obviously you can eliminate/reduce child care expenses if one spouse isn't working.
Spending - Would probably cut back moderately on eating out/entertainment. Like to travel, so will likely only marginally trim the budget there.
Money management - Would likely switch from separate direct-deposit into separate accounts to direct deposit into joint account and distribution of 'spending money' to separate accounts.



Personal Finance Deals
Mini Clutch Bag in Leather with Shoulder Strap, part of the Lock Fly Collection, is crafted in saffiano printed calf leather in a beautifully constructed form that goes elegantly from clutch to shoulder bag day or night. Featuring detachable curb chain with fly and medallion signature charms, flap top magnetic closure, gusseted sides create an accordion for three compartments, internal card pockets and gold tone signature hardware detail. Signature dust bag included.Special offers and rebates for Fujitsu LIFEBOOK® notebooks and Tablet PCs, STYLISTIC® tablets and mobile accessories.
g: -1 Posted By: moola502
Views: 58 Replies: 3 Hi all,

Long time visitor, first time poster.

Istood in front of a Verizon store at 5am to get an iPhone 6 this morning. Because I don't have a verizon account, I asked my friend to add two lines to his account. He came with me so that he could upgrade his line as well.

I told him I would pay for the phones, and port the numbers to T-Mobile so that they would reimburse the etf fees of $350 per line. The manager overheard a said he would refuse to sell me any phones.

I was intending to buy the phones and transfer to T-Mobile. I was probably going to use the phones on T-Mobile, or sell them for a profit.

My question is do I have any recourse against Verizon or the store manager? I was open up front with my friend and a Verizon employee, so fraudulent misrepresentation is out of the question. Additionally, the etf fee contemplates cancellation. There's nothing wrong with entering a contract with the intent to cancel, if a cancellation clause has been negotiated.

Thank you all for your help and answers.
Personal Finance Deals
Viator Credit Card Data Breach
Added on : Friday September 19th 2014 06:00:17 AM
g: 0 Posted By: burgerwars
Views: 94 Replies: 0 Viator is a website where you can book vacation tours.

September 19, 2014Dear Viator Customer

We want to make you aware that Viator has experienced a data compromise that could potentially affect payment card data used to make bookings through Viator's websites and mobile offerings. If you have created a Viator account, this compromise may also affect your email address, password and Viator "nickname." We deeply regret any inconvenience this may cause. The protection of our customers' personal information is of paramount concern. We are dedicating all the resources necessary to investigate and resolve this incident.

We have alerted the credit card companies and law enforcement, in addition to taking appropriate steps to secure our systems. We are writing to make you aware of the occurrence so that you can also monitor your accounts as a prudent measure, and take any other precautions you believe may be appropriate. We are offering our customers in the U.S. free identity protection services, including credit monitoring.

Meanwhile, we are continuously working to strengthen our security measures to help minimize the potential for incidents of this nature in the future. While our investigation is ongoing, here is some important information to be aware of.

What Happened:
On September 2, we were informed by our credit card service provider that unauthorized charges had been made on a number of our customers' credit cards. We have hired forensic experts, notified law enforcement and we have been working diligently and comprehensively to investigate the incident, identify how our systems may have been impacted, and secure our systems. Although our investigation is continuing, we currently believe that some forms of your data may be affected by the compromise. This information includes encrypted credit or debit card number, along with card expiration date, name, billing address, email address and, if you have created a Viator account, the associated email address, encrypted password and Viator "nickname." At this time, we have no reason to believe that the three or four digit value printed at the back or front of your card was compromised. Additionally, debit PIN numbers are not collected by Viator and could therefore not be compromised.

Steps You Can Take To Further Reduce Your Risk of Identity Theft/Fraud:
We recommend that all affected customers monitor their card activity and report any fraudulent charges to their credit card company. It is always a good practice to review your credit and debit card account statements regularly for suspicious activity. If you notice suspicious activity involving your account, please report it immediately to the appropriate financial institution or credit card company. You will not be responsible for fraudulent charges to your account if you report them in a timely manner.

To assist our customers in the U.S., we are offering free identity protection services, including credit monitoring. More information on that offer is below.

Additionally, we encourage you to reset your Viator password the next time you sign in to your Viator account, and change it on any other sites where you used the same password.

To change passwords on the Viator site, click on the "Change Password" on the "My Profile" tab, once signed in. Here are some tips to help you create a strong password: (1) make sure your password is at least six characters in length; (2) combine numbers and letters and dont include commonly used words; (3) include punctuation marks; and (4) mix capital and lowercase letters. It is also advisable to use a different password on different sites.

If you have questions related to this situation, you can contact us anytime through our dedicated toll-free information helpline at 888-680-0710 or at 702-939-9819. 1

Responding properly to this incident is our top priority, and we are committed to taking all appropriate steps to safeguard your personal information. For over 10 years, Viator's mission has been dedicated to offering travelers the best tours and activities worldwide, and to delivering a superior experience in all our customer interactions. That mission continues. We deeply regret any inconvenience or concern this may cause you and we thank you for your patience as we continue our investigation. We are focused on doing everything possible to maintain your trust so that we can continue to serve you in the future.

Sincerely,

Barrie Seidenberg
CEO, Viator creative_images_transparentspacer.gifcreative_images_transparentspacer.gifcreative_images_spacer.gifSteps You Can Take To Further Protect Your Information creative_images_transparentspacer.gifcreative_images_spacer.gifReview Your Account Statements
As a precautionary measure, we recommend that you review your account statements and credit reports closely. If you detect any suspicious activity on an account, you should promptly notify the financial institution or company with which the account is maintained. You also should promptly report any fraudulent activity or any suspected incidence of identity theft to proper law enforcement authorities, your state attorney general, or the Federal Trade Commission. In some states, you may also obtain a police report regarding this incident.

Free Credit Monitoring
To help protect your identity, we are offering a complimentary one-year membership of Experian's ProtectMyID Alert. This product helps detect possible misuse of your personal information and provides you with superior identity protection support focused on immediate identification and resolution of identity theft.

Activate ProtectMyID Now in Three Easy Steps
1. ENSURE That You Enroll By: December 31, 2014 (Your code will not work after this date.)
2. Visit the ProtectMyID Web Site to enroll: www.protectmyid.com/redeem
3. PROVIDE Your Activation Code:

If you have questions or need an alternative to enrolling online, please call 866-926-9801 and provide engagement #:

Additional details regarding your 12-month ProtectMyID Membership:

A credit card is not required for enrollment.

Once your ProtectMyID membership is activated, you will receive the following features:

Free copy of your Experian credit report
Surveillance Alerts for:
creative_images_spacer.gif o Daily Bureau Credit Monitoring: Alerts of key changes & suspicious activity found on your Experian, Equifax and TransUnion credit reports. creative_images_spacer.gif Identity Theft Resolution & ProtectMyID ExtendCARE: Toll-free access to US-based customer care and a dedicated Identity Theft Resolution agent who will walk you through the process of fraud resolution from start to finish for seamless service. They will investigate each incident; help with contacting credit grantors to dispute charges and close accounts including credit, debit and medical insurance cards; assist with freezing credit files; contact government agencies.
creative_images_spacer.gif o It is recognized that identity theft can happen months and even years after a data breach. To offer added protection, you will receive ExtendCARE, which provides you with the same high-level of Fraud Resolution support even after your ProtectMyID membership has expired. creative_images_spacer.gif
$1 Million Identity Theft Insurance2: Immediately covers certain costs including, lost wages, private investigator fees, and unauthorized electronic fund transfers.

Once your enrollment in ProtectMyID is complete, you should carefully review your credit report for inaccurate or suspicious items. If you have any questions about ProtectMyID, need help understanding something on your credit report or suspect that an item on your credit report may be fraudulent, please contact Experians customer care team at 866-926-9801.

Credit Report Monitoring
You may obtain a free copy of your credit report from each of the 3 major credit reporting agencies once every 12 months by visiting http://www.annualcreditreport.com, calling toll-free 877-322-8228, or by completing an Annual Credit Report Request Form and mailing it to Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348. You can print a copy of the request form at
http://www.consumer....equest-form.pdf.
Or you can elect to purchase a copy of your credit report by contacting one of the three national credit reporting agencies shown below.
creative_images_spacer.gifEquifax
(800) 685-1111
www.equifax.com
P.O. Box 740241
Atlanta, GA 30374
creative_images_spacer.gifcreative_images_spacer.gifExperian
(888) 397-3742
www.experian.com
535 Anton Blvd., Suite 100
Costa Mesa, CA 92626
creative_images_spacer.gifcreative_images_spacer.gifTransUnion
(800) 916-8800
www.transunion.com
P.O. Box 6790
Fullerton, CA 92834
creative_images_spacer.gif
Additional Free Resources on Identity Theft
You may wish to review the tips provided by the Federal Trade Commission on how to avoid identity theft. For more information, please visit http://www.ftc.gov/idtheft or call 1-877-ID-THEFT (877-438-4338). Maryland residents may also wish to review information provided by the Maryland Attorney General on how to avoid identity theft at http://www.oag.state.md.us/idtheft, or by sending an email to idtheft@oag.state.md.us, or calling 410-576-6491. North Carolina residents may wish to review information provided by the North Carolina Attorney General at http://www.ncdoj.gov, by calling 877-566-7226, or writing to 9001 Mail Service Center, Raleigh, North Carolina 27699.

Fraud Alert
You may consider placing a fraud alert on your credit report. This fraud alert statement informs creditors of possible fraudulent activity within your report and requests that the creditor contact you prior to establishing any accounts in your name. To place a fraud alert on your credit report, contact any of the three credit reporting agencies identified above. Additional information is available at http://www.annualcreditreport.com.

Security Freeze
In some U.S. states, you have the right to put a security freeze on your credit file. This will prevent new credit from being opened in your name without the use of a PIN number that is issued to you when you initiate the freeze. A security freeze is designed to prevent potential creditors from accessing your credit report without your consent. As a result, using a security freeze may interfere with or delay your ability to obtain credit. Additionally, if you request a security freeze from a consumer reporting agency there may be a fee up to $10 to place, lift, or remove the security freeze; however, this fee may be less in certain states (in MA, up to $5). In order to place a security freeze, you may be required to provide the consumer reporting agency with information that identifies you including your full name, Social Security number, date of birth, current and previous addresses, a copy of your state-issued identification card, and a recent utility bill, bank statement or insurance statement. You must separately place a security freeze on your credit file with each credit reporting agency.
Discussion Deals
g: 0 Posted By: ctgolfer
Views: 172 Replies: 1 Features:

Recovery Program
Extend Program
Relax Program
Refresh program
Intelligent roller system - Flexible, conforms to the contour and shape of your back

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.

www.ebay.com/itm/Black-Brown-Burgundy-New-Full-Body-Shiatsu-Mass...
Furniture Deals

eBay Coupons
How much do I need to make to move out to SF? Recommendations? **Venting**
Added on : Thursday September 18th 2014 06:00:07 PM
g: 0 Posted By: Niftyone33
Views: 140 Replies: 6 Here I am a year later from my original post: Original post 2013.My question is the title, what is a reasonable amount to make to move out to San Francisco? What would you recommend I do?


Financial Situation:
Currently I'm at $60k gross.I have $22k in my ROTH ($18k principal), $12K in non-retirement account, small amount of cash, relatively small amount of debt at 0% (car payment). Mid-late 20s.I graduated with a finance degree, and have some post graduate studies done.
I've been saving and working diligently with the sole intention to move to San Francisco; moving out from my parents place. Excel spreadsheets and budgets are easy for me to run, and as much as I break down the numbers, I cannot make them work. I'm in a unique situation where I work for my family business.

I do not want to leave this business, I really love it and enjoy it, therefore I cannot and will not leave the bay area or this business (an exponential amount of earning potential in the future, 10 years maybe). Sadly, I'm getting inpatient and just need money now. I see literally, every other one of my friends making six figures, plus equity compensation, and have already moved out, either to San Francisco or across the nation. Maybe I'm comparing myself with the "Jones'," but I can't help myself much anymore; I've been struck with anxiety and depression for quite some time now -yes I am getting help from a doctor for this.

I expect to get a raise to maybe $75k gross in the beginning of 2015, but by than rent will increase even more (~$1.5k w/ roommates and $2k studio), and currently that still is not enough to move out. I can't think of any probable solution except to just stick it out, work hard, do what is right, and eventually move out.

There's my rant, thanks for listening.
Discussion Deals
g: 0 Posted By: ctgolfer
Views: 163 Replies: 0 4 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 500 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

No Tools Required for Assembly

Maximum Weight Capacity for entire Unit: 2000 lbs.

Maximum Weight Capacity per shelf: 500 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/Black-Chrome-Commercial-4-Tier-Shelf-Adjustable...
Home & Garden Deals

eBay Coupons
g: 0 Posted By: remick
Views: 97 Replies: 0 http://www.amazon.com/gp/product/B00LP2SIVU

The Homesteading Handbook vol. 3: The Heirloom Seed Saving Guide is the 3rd book in the well-received Homesteading Handbooks series of books. It's your guide to collecting seeds from a number of popular garden fruits, vegetables and herbs. If you've ever considered saving seeds, this book is your key to unlocking the secrets of seed saving.

The following topics are covered in this handy guide:
Why seed saving is important and how it can save money while protecting the world's food supply.
The 4 most common types of seeds, including 2 seed types you never want to attempt to save seeds from.
The many ways plants can produce seeds and how flowers are pollinated.
How to ensure the genetic lines of your heirloom plants stay pure.
How to attract pollinators from long distances away.
Growing healthy plants that develop healthy seeds.
Saving seeds from wet-seeded and dry-seeded crops.
How to safely store seeds to ensure longevity.
A simple method of testing seed viability.
A discussion on whether organic seeds are absolutely necessary.

In addition to the invaluable general information on saving seeds, there are in-depth instructions provided for collecting seeds from 48 of the most popular garden vegetables, herbs and fruits. If you're saving seeds, you're going to want this handbook.
Totally Free Deals
Rite Aid 9/21 - 9/27 (free Colgate toothpaste)
Added on : Wednesday September 17th 2014 04:00:12 PM
g: 0 Posted By: MrVietnam
Views: 740 Replies: 1 RA 9/21-9/27

BOGO Quilted Northern and Brawny multipacks

2/$5 Cheerios, Miniwheats, Nutri Grain Bars

$2.22 Simply Purified Water

3/$10.98 with $1 UP Coke 12 pk

$5 UP WYB $15 Garnier/Maybelline L 4 (Monthly Deal)

P.2 is food deals

DiGiorno $2.99 6.5" Pizza and Hot Pockets

$3.49 Bisquick

2/$5.00 Ragu Pasta Sauce

$1 Kraft macaroni & cheese, Campbell's Spaghetti-os

$3.49 Tropicana Pure Premium Orange Juice

P.3 More Food Deals

2/$6 with $1 UP L 4 Raisinets, Weight Watchers, & Skinny Cow 6 pk

3/$3 with $1 UP L 4 Junior Mints, Dots, Mike & Ike

p.4 Halloween sales and Candy

$10.99 with $1 UP L4 Mars, Hershey's or nestle Variety Pack

3/$2 with $1 UP wyb 3 L 2 Mars, Reeses or Peeps single serve Halloween Candy

$5.99 with $1 UP L 4 Whitman's Sampler or Russel Stover Boxed Candy 8-12 oz

P. 5 RA Brand

$19.99 RA Omeprazole $19.99 with $6 In-ad

2/$5 RA Maxi Pads/ Pantiliners/ Tampons / Feminine CLoths $1 UP wyb 2 L 4 (monthly)

2/$10 RA 3 or 5 blade razor with $3 UP wyb 2 L 4 (Monthly)

2/$15 Tugaboos $3 UP wyb 2 L 4 (monthly)

2/$6 Simplify Tissue $1 UP wyb 2 L 2

$4.99 Simplify Peanuts or Trail Mix $4.99, $3 Up WYB $10 L 4

p. 6

$7.99 with $2 UP L 2 Dove, Degree, Secret, or Gillette Clinical AP/Deo or Secret,
Old Spice, Gillette Twin pk

$5 wyb $15 L 2 L'oreal Advanced Hair Care, Studio Stylers or Hair Color (bo50%)

2/$5 with $2 UP WYB 2 L 2 (monthly) Dove or Degree invisible Solid, Degree for men solid

$3.49 Softsoap/Irish Spring BW with $2 In-ad

$2 In-ad Jergens Natural Glow and BB Lotion or Shea Oil

p.7

40% of WNW cosmetics and Fergie Nail Enamel with "coupons in Sunday Paper" verbiage

$2 wyb $5 Sinful Colors, Bonita, and NYC Enamel

$5 with $2 UP Clear Scalp & Hair L 4 (monthly)

$39.99 with $10 UP L 2 Rogaine ($5 VV September) (and Viviscal with $5 coupon
for viviscal in Sunday paper)

Almay bo50% with $5 wyb $20 Monthly on cleansers/removers

P. 7

$10 wyb $30 Mucinex, Delsym L 4 (monthly)

Breathe Right 28-30? ct $5 UP

Prevacid 42 ct $24.99 with $3 UP L 4 ($5 Sept VV)

$3.99 Excedrin FREE($2 MC in Sunday Paper) and $2 current FB coupon

Allegra $23.99 with $4 UP L 3

2/$8 Ricola $3 UP wyb 2 L 2?

p. 9

$17.99 Abreva with $1 UP L 4

$7.99 One a Day $2 MC in Sunday's Papers

Theratears $9.99 with $3 UP L 2

p. 10

Huggies 18.99 big box

16.99 Luvs big box with $2 UP L 2

Similac and Pediasure $3 UP L 2

2/$4 with $1 Up wyb 2 Carefree pantiliners, stayfree pads, ob tampons

$2.99 Colgate TP (Total and Total Advanced) $2 UP L 2

p. 11

$2.99 Tide Simply Laundry detergent

Nothing else worth typing

p. 12

bo50 Arm & Hammer $10 Up WYB $25 L 4 (monthly)

2/16 Nyquil/Vaporub/Dayquil with $2 Up wyb 2 L 2

Gillette Cartridge with Razor Handle $10 Up wyb both L 2 (must buy both in
fine print)

2/$6 Lays/ Doritos $1 UP L 2

$5 UP wyb any sunglassess and reading glasses excludes ASOTV
In Store Promos Deals
Alibaba IPO this Friday 9/19
Added on : Wednesday September 17th 2014 03:00:15 PM
g: 0 Posted By: xerty
Views: 96 Replies: 4 The IPO is scheduled to start this Friday and the old discussion thread got archived.

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

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

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

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

Disclosure: already long
Discussion Deals
Chase Freedom - No more 10%+10 12/31/15
Added on : Wednesday September 17th 2014 02:00:07 PM
g: 0 Posted By: tjguitar85
Views: 41 Replies: 0 Received something from Chase that effective 12/31/2015 the 10+10 program is going away. I understand that others had this happen already. It's a bit perplexing that the would notify 15 months ahead of time

They are directing folks to chase.com/freedom25 to read the new program rules.

Got a similar notice about reward changes for Chase ink at chase.com/ink10
Discussion Deals
Unused Gift Cards
Added on : Wednesday September 17th 2014 12:00:15 PM
g: 0 Posted By: avi0lpz
Views: 99 Replies: 4 How do people feel about receiving gift cards?

I'm torn between gift cards being the best gift idea and what do I do with all the gift cards I don't need... My other dilemmas is that I'm left with gift cards with such a small balance and I tell myself that I will use the card again but now I just have a pile of them with such a small balance.

Does the same thing happen with your gift cards?
Is it just me?
What do you guys think?
Discussion Deals
New Arrivals: Marni - Metal Trunk Carbon Black Handbag
Added on : Wednesday September 17th 2014 09:00:09 AM
Metal Trunk Carbon Black Handbag is crafted in luxurious leather in a box silhouette with metal side gusset, is a glammed up version of the original iconic version inspired by the chic bicycle culture popping up from NY to London. Featuring gusseted sides with gold tone metal detail, three compartments, including a zipped section, a front pocket and lockable front flap closure. Gold tone hardware detail. Special feature is the three way adjustable strap with metal studs with extension strip that allows you to go from handbag to shoulder bag to crossbody bag depending on your style needs. Made in Italy.
New Arrivals: Philipp Plein - Mia Red Small Handbag
Added on : Wednesday September 17th 2014 09:00:09 AM
Mia Red Small Handbag is crafted in supple calf leather in a chic structured silhouette for day pop or evening pizzazz. Featuring extra large top zip closure, detachable leather shoulder strap, embossed logo on front and signature logo plaque on back, round double handles with spike cuffs, metal spiked corner detail, snap gusseted sides and gold tone hardware detail. Signature dust bag included.
SEC spends 25 years and $8.6 million to collect $3.7 million
Added on : Wednesday September 17th 2014 05:00:10 AM
g: 0 Posted By: brettdoyle
Views: 67 Replies: 1 Somewhat of a continuation of this thread This guy took FW H&B advice and ran with it"the victim of three heart attacks by the age of 30"

http://elitedaily.com/news/world/instagram-straight-flexin-dan-bilzerians-instagram-absolutely-ridiculous/

This was an entertaining piece that describes his father, a corporate raider who spent decades setting up trusts, shuffling around assets, and playing games with the SEC to avoid judgements.
WSJ said: 25 years after Mr. Bilzerian became a Wall Street felon, the Securities and Exchange Commission is quitting the fight, winding down its quest to collect a $62 million civil judgment against him for securities fraud.

To a mention of his bank accounts, he says: "What bank accounts? Do you think I'd be stupid enough to have a bank account?"

His is an extreme example of the challenges, and often failures, financial watchdogs encounter in trying to collect judgments after announcing them with fanfare. Mr. Bilzerian consistently thwarted their efforts, according to a review by The wall street journal of thousands of pages of documents from civil and criminal cases and interviews with people familiar with them.

A 1980s Corporate Raider Holds Off the SEC

Discussion Deals
g: 2 Posted By: st4rdust
Views: 516 Replies: 0 Amazon hasRocksmith 2014 Edition w/ Cable(Xbox 360, PC/Mac or PS3) on sale for$39.99with Free Super Saver Shipping.

4.4/5 stars based on 788 customer reviews.

Newly redesigned menus and in-game interfaces are now clear, smooth, and blazing fast. It's never been easier to play along and get feedback on your performance as you go.
Select from over 50 hit tracks, ranging from alternative rock, to heavy metal, and more. You will learn to play your favorite songs, step-by-step and note-for-note, with tutorials along the way.
A new fully-customizable Riff Repeater lets you select your section, difficulty, and speed on-the-fly.
Master Mode has been revamped to make learning by memory more approachable.
Rocksmith 2014 Edition is compatible with the original Rocksmith Real Tone Cable that plugs any real guitardirectly into Xbox 360, PS3, PC, or Mac. (Guitar requires standard 1/4" output jack.)


If you are looking for a starter kit to play this game, hereis an option for $199 and anotherfor $100.

When this deal was posted in June, there was some great FW member discussion. Check it out here.

Review: 9/10 at IGN
PS3 Deals

Amazon Coupons
Shoprite - Bensalem: Coupons.com prints
Added on : Wednesday September 17th 2014 03:00:08 AM
g: 0 Posted By: alienjedi
Views: 7 Replies: 0 Just wanted to give you guys a heads up. Bensalem Shoprite is showing their ignorance in how to read. If you print your coupons.com coupons in color read no further. If your print in B&W, the yellow circles that are in the expiration box do not print. They will not accept the coupon without the yellow circles. They claim it is because on the coupon it says:
"Do not accept without a dot-scan barcode below the expiration date."
I explained that this is the bar code, not the yellow circles but if someone has their mind set, explanation is hopeless. We will see if other stores begin to do the same thing.
Discussion Deals
Singer Futura Quintet 5-in-1 Sewing & Embroidery Machine $599.99 @ Woot
Added on : Wednesday September 17th 2014 01:00:06 AM
g: 0 Posted By: ctgolfer
Views: 202 Replies: 0 shipping adds $5


5-in-1 Fashion, Home Dcor, Quilting, Heirloom & Embroidery Machine

One machine, five functionsfashion, home dcor, quilting, heirloom and embroidery

250 Built-In NEW Embroidery Designs

200 Large & Small Hoop Designs plus 50 Endless/Continuous Hoop Designs

Endless/Continuous Embroidery Hoop

Create endless borders and edgings
With a field size of 6.75 x 4, you can add the perfect accent to dresses, tablecloths, quilts and more
Simply place the fabric and stabilizer on the Endless Embroidery Hoop and with one click you have hooped your fabric
When the hoop is filled with embroidery, one click releases the fabric and stabilizer
A jump stitch marks the matching point for perfect placement of the next embroidery
Slide the fabric and stabilizer forward, take one stitch for perfect placement, click the hoop in place and embroider

Knee Lifter

The knee lifter allows for hands-free raising and lowering of the presser foot and is vital when appliquing and embroidering

Software Included

Software CD including Installation Software, AutoPunch, HyperFont and Advanced Editing
AutoPunch converts clip art, logos and self-created designs into embroidery
HyperFont converts all TrueType fonts on your PC into embroidery
Advanced Editing allows you to edit existing embroidery designs

Multi-Hooping Capabilities with Fabric Positioning System

Large multiple hoop embroidery designs can be easily created on screen providing the sewer with the capability to precisely match stitches and designs
Embroider designs up to 12 x 20

20 Popular Fonts for Monogramming

Select from 20 embroidery fonts to personalize or monogram your projects
Letters can be sized, rotated and shaped with 30 lettering frames, such as arc, banner, wave and more
English, French, German, Italian, Dutch, Spanish, Turkish, Norwegian and Russian

Sewing Machine Features:

215 Built-in Sewing Stitches
6 Fully Automatic 1-Step Buttonholes Plus 1 Endless Buttonhole
Long Arm Design
Electronic Auto Pilot
6 StayBright LED Lights
SwiftSmart Threading System
Drop & Sew Bobbin System
Exclusive Buttonhole Underplate
Programmable Needle Up/Down
Drop Feed
Extra-High Presser Foot Lifter
Heavy Duty Metal Frame
Optimum Power Control
Automatic Tension
Dual Accessory Tray
LED Indicator Light
Speed Control Lever
13 Needle Positions

Embroidery Machine Features:

250 Built-In Embroidery Designs
Endless Embroidery Hoop
Knee Lifter
Bonus Software Included (AutoPunch, HyperFont, Editing)
Multi-Hooping Capabilities with Fabric Positioning System
Windows XP, Vista, 7 & 8 Compatible
20 Popular Fonts for Monogramming
Connects Directly to the Computer via USB Cable
Operational Tutorial Included
Outline Lettering
Design Browser
3-D Realistic View
3-D Realistic Print
Four Design Transmission Methods
Trace Design
Reduce or Enlarge Design
Embroidery Block Indication and Selection
1 Degree Increment Rotation
Auto Feed Dog Drop
Design File Compatibility: FHE, CHE, XXX, PSW, DST, EXP, HUS, SHV, VIP, PES, PEC, PCS, SEW, JEF

3 Embroidery Hoops Included

Endless Hoop with a field size of 6.75 x 4
Large Hoop with a field size of 6 x 10
Small Hoop with a field size of 4 x 4

Included Standard Accessories

All-Purpose Foot, Zipper Foot, Satin Stitch Foot, Button Sewing Foot, Blind Hem Foot, Buttonhole Foot with Underplate, Embroidery Presser Foot, Needles, Bobbins (Class 15J), Auxiliary Spool Pin, Spool Pin Felt, Spool Pin Caps, Seam Ripper / Lint Brush, Screwdrivers, Thread Spool Nets, Vinyl Accessory Bag, Scissors, Embroidery Software CD with AutoPunch, HyperFont and Advanced Editing, Embroidery Hoops, USB Cable

Value Added Accessories

Darning & Freehand Embroidery Foot, Even Feed / Walking Foot, Invisible Zipper Foot, Parallel Stitch Foot, Pintuck Foot, Presser Foot Shank, Quarter Inch Foot with Guide, Ruffler, Side Cutter, Twin Needle, Wing Needle

Instruction ManualShipping Note:Shipping to Alaska, Hawaii, and APO addresses is not available for this itemWarranty:25 Year Limited Singer

www.woot.com/offers/singer-futura-quintet-sewing-machine



Art Supplies Deals

woot! Coupons
Rocksmith 2014 Edition w/ Cable (Xbox 360 or PS3) - $39.99 + FSSS @ Amazon
Added on : Wednesday September 17th 2014 01:00:05 AM
g: 1 Posted By: st4rdust
Views: 238 Replies: 0 Amazon hasRocksmith 2014 Edition w/ Cable(Xbox 360 or PS3) on sale for$39.99with Free Super Saver Shipping.

4.4/5 stars based on 788 customer reviews.

Newly redesigned menus and in-game interfaces are now clear, smooth, and blazing fast. It's never been easier to play along and get feedback on your performance as you go.
Select from over 50 hit tracks, ranging from alternative rock, to heavy metal, and more. You will learn to play your favorite songs, step-by-step and note-for-note, with tutorials along the way.
A new fully-customizable Riff Repeater lets you select your section, difficulty, and speed on-the-fly.
Master Mode has been revamped to make learning by memory more approachable.
Rocksmith 2014 Edition is compatible with the original Rocksmith Real Tone Cable that plugs any real guitardirectly into Xbox 360, PS3, PC, or Mac. (Guitar requires standard 1/4" output jack.)


If you are looking for a starter kit to play this game, hereis an option for $199 and anotherfor $100.

When this deal was posted in June, there was some great FW member discussion. Check it out here.

PS3 Deals

Amazon Coupons
Beware Mass Pike tolls
Added on : Tuesday September 16th 2014 03:00:12 PM
g: 0 Posted By: PapaSkip
Views: 55 Replies: 1 Visiting Boston, MA some weeks ago, stayed in Beverly, MA and drove into Boston on Sundayvia the Mass Pike. There was a notice of a toll which I was prepared to pay, however, there were no toll booths. I received a letter from the rental car company that MassPike - TC has assessed me a charge of $4.85 and a fee of $13.00. Would be great if the Ma Highway Department put signs up informing visitors of the inflated charges. Boston is kind to tourist.
Discussion Deals
g: 0 Posted By: remick
Views: 59 Replies: 0 http://www.amazon.com/gp/product/B007SQBG4S

4.7 out of 5 stars (71 customer reviews)

Strategic Posing Secrets - Hands & Arms!
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:

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 within an hour you will never again be at a loss as to how to pose hands and arms!
Flights from Chicago to Moscow for $482
Added on : Tuesday September 16th 2014 03:00:02 AM
g: 0 Posted By: tarmanorama
Views: 152 Replies: 0 Not as good as the JFK-Catania find but if somebody needs to visit Russia, its a pretty good price:

http://www.secretflying.com/2014/09/return-flights-chicago-mosco...
Flight Deals Deals
kingsizedirect. com free backpack with a minimum of a $25 purchase
Added on : Monday September 15th 2014 03:00:02 PM
g: 0 Posted By: DaysFan
Views: 206 Replies: 0 Http://www.kingsizedirect.com

code:KBACKPACK25 FREE SPORT BACKPACK with orders of $25 or more. Supplies limited. Offer not applicable to gift cards or prior purchases. Applies to merchandise total. Cannot be combined with other offers or redeemed for cash. Excludes PlusSizeLiving, eBags, non-KingSize items on OneStopPlus.com, Shoes, Sports Fan Shop, The Sportsman's Guide, and items that ship directly from the manufacturer. Expires 9/29/14 at 11:59 pm ET
g: 82 Posted By: dshibb
Views: 1203 Replies: 8 Just as the title describes:

This is a thread that lists all of the Master Threads, Topic FAQ Threads, Large Guide Threads, etc. on FWF in one place (the Quick Summary).

Anybody can add a Master/FAQ/Guide/etc. thread to the Quick Summary presuming it fits with the spirit of being a Master, FAQ, Large Guide, etc. and it's listed in an appropriate category in the quick summary. How we define that may not be exact, but like the Supreme Court we may know it when we sit it.Typically that often means some combination of:
1) A broader subject matter (loading the quick summary with each deal/bank/etc. thread probably overkill)
2) Maybe a decent amount of Q&A
3) Subject matter has broad utility to numerous members as opposed to few or the one who created the thread



Discussion Deals
g: 0 Posted By: zmaster
Views: 115 Replies: 2 Just receive email from Savingstar.

Dear SavingStar Member,

Important Account Change:
Kroger, Dillons, Baker's, Gerbes, Fred Meyer, Fry's, JayC, King Soopers, City Market, Payless, Owen's, QFC, Ralphs, and Smith's.
The way you save at Kroger-owned stores will soon change. Starting October 1, Kroger will transition from an "automatic" (loyalty card) retailer and instead participate as a receipt-scanning retailer. This means that you will redeem SavingStar offers at all Kroger-owned stores by submitting a picture of your receipt instead of linking SavingStar offers to their loyalty card. This change impacts all Kroger-owned stores, including: Kroger, Dillons, Baker's, Gerbes, Fred Meyer, Fry's, JayC, King Soopers, City Market, Payless, Owen's, QFC, Ralphs, and Smith's. This was a corporate decision made by Kroger.

All SavingStar offers redeemed at Kroger-owned stores using your loyalty card must take place by September 30 (rewards will post to your account on or before October 9). Starting October 1, all redemptions will be credited when you submit a picture of your receipt, either through the SavingStar app or SavingStar.com.To learn more go here.Get the iPhone app here Get the Android app here

New Retailers
We are pleased to announce that also starting in October, you'll be able to redeem SavingStar offers at new stores Safeway, Vons, Food 4 Less and H-E-B by submitting a picture of your receipt using the SavingStar app or through SavingStar.com.Get the iPhone app here Get the Android app here.

Other recently added retailers include: WalMart, Target, Kmart, BJs, Costco, Sams Club, Walgreens, Dollar General, Family Dollar, Meijer, and WinCo.

Thank you for using SavingStar!
Sincerely,
The SavingStar Team



I don't know if this is good thing or bad. Kinda upset since it was nice to have automatic report.
In my opinion it is more work on my part, more time
Discussion Deals
Thank you
Added on : Monday September 15th 2014 07:00:15 AM
g: -6 Posted By: melindalynchorama
Views: 449 Replies: 17 Thank you for the messages. I had no idea how many rude people there were out there.
Discussion Deals
Injured Cat and No $ to help it!
Added on : Monday September 15th 2014 06:00:16 AM
g: -3 Posted By: melindalynchorama
Views: 241 Replies: 13 I need advice on how to help my 2 year old tiger cat, Milo! He is the sweetest cat and had recently started escaping outside when my kids get home from school. He didn't come home last night and when I woke up this morning, he was crying by the door. I went to let him in but he couldn't get up the step into the house! I carried him while he cried and cried and he seems to have a broken rib or dislocated hip. No bleeding but some swelling is visible. I'm not capable of spending $160 for the vet visit and the xrays and I'm wondering if there is a free or low cost option that I could use to get him the treatment that he needs. It's not his fault that I don't have any money.

Can anyone help?

Thank you!

Pittsburgh Pa area
Discussion Deals
g: 0 Posted By: Savvymommy03
Views: 201 Replies: 1 Kmart has the Gourmet Microwave-Safe Food Storage Set (54-pc.) on sale for $6.99 w/ free in-store pickup.

54-piece set includes 27 clear containers and 27 tinted blue lids
Multiple container shapes and sizes to accommodate a variety of foods
Stackable design keeps your cupboards neat and organized
Convenient transparent design makes it easy to see what you have stored
Ideal for leftovers and packed lunches
Microwave-safe for easy heat and serve
Dishwasher-safe for no-fuss cleanup
Freezer-safe for storing leftovers and pre-cooked items
Designed for food storage, but can also be used to store craft supplies and other items

Home & Garden Deals

Kmart.com Coupons
BenQ W770ST 2500 Lumen 720p Home Theater Projector $499.99 @ Woot
Added on : Sunday September 14th 2014 08:00:03 PM
g: 0 Posted By: ctgolfer
Views: 142 Replies: 0 shipping adds $5

Specifications: Projection System: DLP Native Resolution: 720p (1280 x 720) Brightness: 2500 ANSI Lumens Contrast Ratio: 13000:1 Display Color: 1.07 Billion Colors Lens: F=2.6-2.78, f=10.2-12.24mm Aspect Ratio: Native 16:9 (5 aspect ratio selectable) Throw Ratio: 0.72-0.87 (62.5"@1M ) Image Size (Diagonal): 36"-300" Zoom Ratio: 1.2:1 Lamp Type: 210W Lamp Mode (Normal/Economic/SmartEco/LampSave/LumenCare): 4000/5000/6500/NA/NA hours Keystone Adjustment: 1D, Vertical 40 degrees Projection Offset: 115% 5% Resolution Support: Up to UXGA(1600 x 1200) Horizontal Frequency: 15K-102KHz Vertical Scan Rate: 23-120Hz Interface: Computer in (D-sub 15pin) x 1
HDMI (v1.4a) x 2
Composite Video in (RCA) x 1
S-Video in (Mini DIN 4pin) x 1
Component Video in x 1
Audio in (Mini Jack) x 1
Audio L/R in (RCA) x 1
Audio out (Mini Jack) x 1
Speaker 10W x 1
USB (Type mini B) x 1
RS232 (DB-9pin) x 1
IR Receiver x2 HDTV Compatibility: 480i, 480p, 576i, 567p, 720p, 1080i, 1080p Video Compatibility: NTSC, PAL, SECAM, SDTV 3D Support and Compatibility: Refer 3D Compatibility control table Audible Noise (Normal/Economic Mode): 34/30 dBA Power Supply: AC 100 to 240 V, 50/60 Hz Power Consumption: 275W (typical), Standby< 0.5W On-Screen Display Languages: Arabic/Bulgarian/Croatian/Czech/Danish/Dutch/English/Finnish/French/German/Greek/Hindi/Hungarian/Italian/Indonesian/Japanese/Korean/Norwegian/Polish/Portuguese/Romanian/Russian/Simplified Chinese/Spanish/Swedish/Turkish/Thai/Traditional Chinese (28 Languages) Picture Modes: Dynamic/Standard/Cinema/3D/User 1/User 2/User 3 Dimensions: 12.78"(W) x 4.48"(H) x 9.98"(D) Weight: 5.95 lbs
In the box:

BenQ
W770ST 2500 Lumen 720p Home Theater Projector
Carry Bag
Remote Control
Power Cord
VGA (D-sub 15pin) Cable



http://electronics.woot.com/offers/benq-2500-lumen-720p-home-the...
Projectors Deals

woot! Coupons
boscovs.com FREE Clinique gift with any $27 or more Clinique purchase.
Added on : Sunday September 14th 2014 06:00:03 PM
g: 0 Posted By: DaysFan
Views: 218 Replies: 0 FREE Clinique gift with any $27 or more Clinique purchase.
Use Promo Code: BONUSSEP14.
http://www.boscovs.com/shop/dept/clinique/2500000.htm

Free Shipping with your Standard Rate Shippable order of $49 or more!
Limited Time Only! Exclusions apply.

Choose your FREE 7 Piece Gift - Violets or Pinks.


Choose your FREE Clinique Moisture Cream Shade.

http://www.boscovs.com/
Makeup Deals

Boscov's Coupons
Charlotte Russe Sale: 25% Off Sitewide + $5 Off $30
Added on : Sunday September 14th 2014 04:00:05 PM
g: 0 Posted By: hellokitty27
Views: 213 Replies: 0 TODAY ONLY - Charlotte Russe is offering 25% Off Sitewide + $5 Off $30+ Purchasesw/ coupon code GLAM5OFF.

25% Off Sale expires 9/14.
$5 Off $30 Coupon Code expires 6/16.
Clothing Deals

Charlotte Russe Coupons
g: 0 Posted By: Revenant
Views: 170 Replies: 0 Alesis Practice/Monitor Electronic Drums Amp - $159.00 with free shipping at Musicians Friend/Stupid Deal of the Day

Stupid Deal of the Day LINK
Product LINK for extra information.

This amp was $299, now $140 off today for $159.

Speaker Size: 10" low frequency driver; 1" tweeter
Bluetooth Input
Power: 100W RMS
Input Connectors: Balanced 1/4 TRS jacks, RCA
Output Connectors: Stereo Link Input/Output: 1/4 TRS


Next lowest price on Google Products is $249.99 at B&H Photo.
Music Deals

Musician's Friend Coupons
Lunch with Buffett Helps Man Realize He Is A Jerk
Added on : Saturday September 13th 2014 06:00:14 AM
g: 1 Posted By: sublimebri
Views: 136 Replies: 1 http://finance.yahoo.com/news/the-oracle-of-love--how-lunch-with...

Apparently, it was worth every penny of the 300k that the guy bid to have lunch with Warren Buffett... I could have told him he was a d-bag for much less and also told him that spending 300k for a lunch is insane.
Discussion Deals
g: -3 Posted By: TheDiggler
Views: 180 Replies: 0 Not sure if this thread is more appropriate in Deal Discussion, but if it's do-able, this is beyond a HOT DEAL.

At the moment, TD is advertising an AMD FX-4130 Quad-Core CPU/Kingston DDR3 1866 Memory/ 128GB SSD Barebones bundle for $49.99 AC on its DAILY DEAL SLASHERproduct page (see image attachment #1). This is for ITEM #B69-00305, whose actual product pagelists the bundle for $279.99 before $40 CPN (see image attachment #2).

When clicking the BUNDLE LINK(or the ADD TO CART button) on the DAILY DEAL SLASHER,it opens up the page for (or adds to cart) a WD Green 2TB HDD (for $89.99).

My guess is the DAILY DEAL SLASHER page should be showing the WD HD, but it's still showing the Barebones Bundle (including the $40 CPN for the Barebones bundle). The $49.99 "after coupon" price on the DAILY DEAL SLASHER page seems to be the $89.99 price of the WD HD - the $40 actual bundle CPN.

So, any ideas on how to score the advertised DAILY DEAL SLAHSER? (I'm tempted to order it now and fight w/ TD and/or charge them back later via my CC since it's so blatantly advertised for $49.99 AC).

BTW, the actual bundle also has a $20 MIRon the Kingston RAM, so it would effectively drop the price of the DAILY DEAL SLASHER to $29.99.
SSD Deals

Tiger Direct Coupons
WalMart Savings Catcher
Added on : Friday September 12th 2014 04:00:09 PM
g: 1 Posted By: juniorjam
Views: 144 Replies: 6 In case you didn't know (I can't believe there's not a substantive topic on this), WalMart has a SavingsCatcher program.After purchasing items, they use a 3rd party service to see if local stores (to you) offer lower prices. If they do, you get the difference on a WalMart gift card. You can let it accumulate, or cash it out on a gift card immediately.

I get all of my groceries from Wally World and used it about a week ago. I spent $120.76, set up an account on their website (WalMart.com/savingscatcher),and entered my receipt number when I got home. After a few days, I got back $4.25 (3.5%).

You can enter receipts for the last 7 days. You can earn up to$599.99 per year. Their FAQ is worth reading and is here: https://savingscatcher.walmart.com/faq.

Considering a lot of people (myself included) fight for an extra percent or two on reward cardsfor groceries, this is pretty freaking awesome. I submitted my second receipt tonight. We'll see if it's at the 3.5% mark. This is especially awesome sincemy WalMart is already noticeablycheaper than all of my local grocery competitors.

Good luck!




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

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

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

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

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

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


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

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

This is from the 1st posting...

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

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

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



Discussion Deals
PayPal rounds transferring money amounts from/to banks.
Added on : Friday September 12th 2014 10:00:23 AM
g: -1 Posted By: burgerwars
Views: 107 Replies: 1 I noticed while transferring money within PayPal from or to a bank account, that they're chopping of the cents. It looks like they're rounding off, so the transfers are whole dollars. No biggie. A candy bar costs a dollar, so cents are getting to the point of being irrelevant.
Discussion Deals
g: 0 Posted By: kickerstarter
Views: 123 Replies: 0 BofA has a Platinum Privilege status for customers with combined assets of $50K+. Previous discussion:

http://www.fullofdeals.com/forums/finance/1214126/

They now rolled out a new Preferred Rewards program:

https://www.bankofamerica.com/preferred-rewards/

There are 3 tiers; Gold ($20K+), Platinum ($50K+), Platinum Honors ($100K+)

Some key benefits are:

Bonus Reward on Credit Card (25%, 50%, 75% for each tier)
Fee waivers
No-fee ATM (depends on tier)

(BofA tries to promo its Rewards Money Market Savings using an example base interest rate of 1.00%, with 5/10/20% bonus, but in real life its base rate is just 0.03%)

What I found most interesting is its Reward Credit Cards.

http://promo.bankofamerica.com/preferredrewardsbonuscreditcard/

The Travel Reward earns 1.5 pt per $1 spending. Even using the more conservative assumption that bonus is made to base point (1 pt). Platinum Honors customer gets 2.25% in rewards. This is better than the Platinum Privilege Travel Rewards card which gives 2.1pt per $1 spending (including an annual 10% bonus). Travel rewards can be applied on a wide range of charges. Including many spendings with little to no relationship with travel. So it is as good as cash to me. If the bonus is applied to the 1.5 pt, then it becomes 2.625%!

The Cash Rewards is also a tiered card with 2 pts on Grocery and 3 pts on Gas. If the reward is applied to the final points, similar to Platinum Privilege, it becomes 5.25% reward on Gas.
Credit Deals
Vote for Master of Master Threads Sticky
Added on : Friday September 12th 2014 06:00:20 AM
g: 3 Posted By: dshibb
Views: 64 Replies: 0 Maybe not the best timing with the acquisition going on, but I was thinking that there are a lot of FAQ threads, master threads, etc. that are just floating around and some potentially at risk of archive. Everything from HSA faq, to HELOC faq, to Test Drive Vehicles, etc.

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

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

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

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


P.S. This might cut down a little on the quantity of new threads created to ask same questions over and over.
Discussion Deals
g: 0 Posted By: kickerstarter
Views: 2 Replies: 0 BofA has a Platinum Privilege status for customers with combined assets of $50K+. Previous discussion:

http://www.fullofdeals.com/forums/finance/1214126/

They now rolled out a new Preferred Rewards program:

https://www.bankofamerica.com/preferred-rewards/

There are 3 tiers; Gold ($20K+), Platinum ($50K+), Platinum Honors ($100K+)

Some key benefits are:

Bonus Reward on Credit Card (25%, 50%, 75% for each tier)
Fee waivers
No-fee ATM (depends on tier)

(BofA tries to promo its Rewards Money Market Savings using an example base interest rate of 1.00%, with 5/10/20% bonus, but in real life its base rate is just 0.03%)

What I found most interesting is its Reward Credit Cards.

http://promo.bankofamerica.com/preferredrewardsbonuscreditcard/

The Travel Reward earns 1.5 pt per $1 spending. Even using the more conservative assumption that bonus is made to base point (1 pt). Platinum Honors customer gets 2.25% in rewards. This is better than the Platinum Privilege Travel Rewards card which gives 2.1pt per $1 spending (including an annual 10% bonus). Travel rewards can be applied on a wide range of charges. Including many spendings with little to no relationship with travel. So it is as good as cash to me. If the bonus is applied to the 1.5 pt, then it becomes 2.625%!
NASA FCU - Adveristing 0% down / No PMI mortgages
Added on : Thursday September 11th 2014 04:00:17 PM
g: 1 Posted By: Logan71
Views: 123 Replies: 6 I heard this on the radio on the way home, and then checked out their website a short while ago.

Their blurb...

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

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

Link
Discussion Deals
Plink has shut down
Added on : Thursday September 11th 2014 04:00:16 PM
g: 0 Posted By: doveroftke
Views: 77 Replies: 1 It seems these types of independent linked-card cash-back programs (there's an industry term for it, but I can't recall it) just can't stay in business as Plink has ceased operation today without any advance warning. As you might expect, any un-redeemed points are worthless now. Per Plink.com:
Plink.com said: To Our Loyal Plink Members

With much sadness and heavy hearts, we are sorry to tell you that Plink is closing its doors. As of today, the Plink site will be shut down and the program will cease to function.

As a start-up, we are reliant on continued funding and over the last year we have been unable to secure any additional funding. Unfortunately, without that funding, Plink can no longer continue to operate. As a team, we did everything we could to keep Plink alive, but we have now run out of time and options.

We owe a huge debt of gratitude to our loyal members who have supported us for the last three years. As a team, we want to thank all of our members, for their loyalty and continuing to stick with us to the end. We couldn't have made it this far without such a loyal, committed group of members.

We also want to thank all of our advertisers and partners who supported us over the last three years. It was their belief in us and willingness to support a small start-up that allowed Plink to grow. We are proud to have partnered with some of the largest restaurant and retail brands in the United States.

Moving forward, all Plink accounts will be closed. No further points can be redeemed.

Thanks to all from the Plink Team.

Any further questions can be directed to support@plink.com.

Sincerely,
The Plink Team

Oh well, got a few bucks out of it while it lasted.
Discussion Deals
g: 0 Posted By: BADADVICE
Views: 151 Replies: 4 http://www.washingtonpost.com/blogs/wonkblog/wp/2014/09/11/where...

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


Discussion Deals
New Arrivals: Marni - Fussbett Black Brushed Leather Embellished Sandals
Added on : Thursday September 11th 2014 09:00:04 AM
Made in Italy.
Interstate bus lines charging booking fee for online tickets
Added on : Thursday September 11th 2014 06:00:17 AM
g: 0 Posted By: atikovi
Views: 46 Replies: 0 I sold a car and will deliver it to western Massachusetts and take buses back to DC. Both Peter Pan and Megabus are charging a "booking" fee for tickets bought onlinewhich they make no mention of until the very last page after you've entered in all you information. Seems a little crooked but I'm sure most just go ahead and buy the tickets since they've come this far. At $1.50 per ticket it's not a big deal, but isn't the point of online automated ticketing to save the companies labor in not having as much telephone calls, and so the tickets would be cheaper? I wonder how long an airline would be able to keep this up.
Discussion Deals
g: 0 Posted By: tedhawkins
Views: 174 Replies: 0 Saucony Men's Peregrine 4 Trail Running Shoes $69.95 Fs @ Usoutdoor (Amazon $100)

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

Description: Saucony Peregrine 4 Trail Running Shoes
Saucony's Peregrine 4 Trail Running Shoes are a new favorite in the train running community for its versatility and low-profile feel while remaining durable. The outsole features a super-aggressive multi-directional lug design for superior traction on a wide range of terrain. The rock plate is upgraded to nylon fiber mesh for reduced weight and added flexibility. The PowerGrid replaces ProGrid for optimal cushioning in the heel.
Features of the Saucony Peregrine 4 Trail Running Shoes

Upper: FlexFilm/HyrdraMAX collar lining/HRC Strobel Board
Outsole: XT-900 premium carbon rubber outsole/High Traction Rubber
Midsole: PowerGrid Insert/Co-molded External Bedrock Outsole/Nylon fiber rock plate at forefoot
Liner: ComfortLite sockliner
Weight: 9.4 oz.
Tongue: Gusset tongue


Shoes Deals
The IRS wants to tax your free lunch
Added on : Thursday September 11th 2014 05:00:36 AM
g: 0 Posted By: Krazen1211
Views: 251 Replies: 11 Link

In fact, the agency has added the issue of employer-provided meals to its list oftop tax prioritiesfor the coming year.Were the meals to be treated as taxable, the cost of the food would be considered income to the employee. That means the employer would owe its share of payroll tax on that money and the employee would oweincome and payroll taxon it as well.

Link

A Gourmet magazine article last year raved about the "mouthwatering free food" at Google's headquarters in Mountain View, Calif. The article cited dishes such as porcini-encrusted grass-fed beef and noted that nearly half the produce was organic.What would a food tax on Google's meals look like for the average employee? Assuming a fair-market value of between $8 and $10 per meal, a Googler chowing down two squares a day could get dinged for taxes on an extra $4,000 to $5,000 a year.
Discussion Deals
g: 0 Posted By: hellokitty27
Views: 195 Replies: 0 6PM has the Nike Women's Printed Relay Crop Leggingsfor $31.99 w/ free shipping. Available in Black, Geranium or Turbo Green.

Contrast elastic waist with interior drawstring provides a comfortable and secure fit
Slanted zipper pocket at back waist
Mesh insert with triangular-shaped gusset for increased comfort and range of motion
Reflective features increase visibility in low-light conditions
Cropped length
Swoosh logo at left thigh
92% polyester, 8% spandex
Gusset Lining: 100% recycled polyester

Clothing Deals

6PM Coupons
Amazon Payments eliminates person-to-person payments - panic?
Added on : Wednesday September 10th 2014 11:00:17 AM
g: 5 Posted By: cpaynter
Views: 92 Replies: 1 Is this the end of the CC->cash gravy train?

Just got this email from Amazon (emphasis mine).

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

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

...blah, blah, blah...

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


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

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

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


Discussion Deals
g: 0 Posted By: tedhawkins
Views: 230 Replies: 0 the north face Horizon Convertible To Capri Pants - Women's $32.73 @ REI Fs on $50+

http://www.rei.com/outlet/deal-of-the-day

Durable, lightweight nylon dries quickly and offers outstanding UPF 50+ sun protection
Crotch gusset and relaxed fit free up leg movements
Internal drawcord fine-tunes the fit
Welt zippered pocket on right hand pocket; 2 rear patch pockets
Horizon Convertible To Capri Pants convert to 17 in. capris
Closeout
Clothing Deals

REI Coupons
g: 0 Posted By: bittul
Views: 229 Replies: 2 http://www.sears.com/search=05734351000p|05734350000p|0573435200...

Make sure to pay at least $0.01 oop to earn $30 in points. (paying all in cash increases the earned points slightly.)

Headphones & Speakers Deals

Sears Coupons
Apple Pay
Added on : Tuesday September 09th 2014 02:01:28 PM
g: 0 Posted By: GodelianKnot
Views: 61 Replies: 3 Interested in people's thoughts on Apple's new payment system:
http://www.apple.com/apple-pay/

Given the Target and Home Depot hacks, I find this part especially interesting:
Apple said: With Apple Pay, instead of using your actual credit and debit card numbers when you add your card, a unique Device Account Number is assigned, encrypted and securely stored in the Secure Element, a dedicated chip in iPhone and Apple Watch. These numbers are never stored on Apple servers. And when you make a purchase, the Device Account Number alongside a transaction-specific dynamic security code is used to process your payment. So your actual credit or debit card numbers are never shared with merchants or transmitted with payment.
Curious how people think this will work. Apple claims they aren't tracking purchases in any way, so are the unique account numbers being setup directly by the respective banks? Basically, Apple got all these banks to setup a virtual credit card number API for them? Thoughts on if this is really more secure? Does it matter?

This also just seems like a good way to organize credit cards. I tried to use Google Wallet a while back, but never really got it to work well. I'm hoping Apple has the drive to really push this to be universal. Looks like they have most of my banks supported already, with a few more to come. Though I guess missing Discover is a big gap for some here.

In-app purchases is another interesting facet. Especially with something like OpenTable to pay at a restaurant without having to give them your card.
Discussion Deals
Has auto insurance gotten a lot higher over the last several years?
Added on : Tuesday September 09th 2014 11:00:07 AM
g: 0 Posted By: told
Views: 29 Replies: 0 I've only had personal auto insurance once in my life over 2007-2008 in California when I was around 21 insuring an old 80's chevy blazer with Allstate, liability only. Came to a paltry $30 a month or so. Sold it and cancelled the insurance when I moved out of the country. Since then and now I've survived on a combination of bikes trains and other people's insurance plans. I now am moving to Buffalo and will need a car for the first time since. Planning on a cheap used 5 grand civic hybrid again with liability only and Geico is by far the cheapest quote I've gotten and I'm still getting a quote of $80+ a month. I know different states have different rates and expecting to pay the same price now for anything you were paying for in 2008 is a little naive but I also figured being a little older and over that <25 age hump is when your insurance tends to go down. Just looking for feedback if auto insurance in general has climbed that much higher in the last several years or if there's maybe just a chance the online quotes providers give aren't as accurate as they could be going through a live agent.
Discussion Deals
New Obama budget may require Roth IRA distrubution at 70 1/2
Added on : Monday September 08th 2014 02:00:10 AM
g: 0 Posted By: stormdog123
Views: 94 Replies: 1 http://online.wsj.com/articles/should-i-leave-a-roth-to-my-heirs...
[L=http://online.wsj.com/articles/should-i-leave-a-roth-to-my-heirs... said: http://online.wsj.com/articles/should-i-leave-a-roth-to-my-heirs-1410120116?ru=yahoo?mod=yahoo_itp]Two[/L] proposals in President Obama's 2015 budget, if approved, would change all that. The first would require Roth owners to start taking distributions at age 70. If that happens, "that asset pool might be pretty much wiped out by the time I get to leave anything to my heirs," says Jamie Hopkins, a professor in the retirement income program at the American College in Bryn Mawr, Pa. The second would end the ability of nonspousal IRA beneficiaries to stretch distributions. Instead, inherited IRAs would have to be disbursed within five years of the owner's death. (Certain beneficiaries would be exempt.)

It is just a proposal now. I hope this does not pass.

Discussion Deals
g: 0 Posted By: JayMatt19
Views: 228 Replies: 1 http://www.groupon.com/deals/gg-lexar-16gb-jumpdrive-twistturn-u... JumpDrive TwistTurn USB Flash Drives

Four USB drives
Flash storage
16GB capacity per drive
Capless design
Rotating case
LED activity light
Compatible with high-speed USB ports
Designed for use with Mac and Windows
Weight: 0.8oz.
Dimensions: 7.5" (L) x 5" (W) x 0.2" (H)
1-year warranty from from Lexar
Condition: new

For questions pertaining to this deal, click the Ask a Question button below. For post-purchase inquiries, please contact Groupon customer support.

View the Groupon Goods FAQ to learn more. Like Groupon Goods on Facebook for hand-picked deals, product giveaways, and more Goods stuff.Ask a Question In a NutshellUSB drives in fun colors and patterns, with a capless design and LEDs that blink during file transfer for visual confirmation of activityThe Fine PrintLimit 3 per person, may buy 2 more as gifts. Free returns. Does not ship to AK/HI/Canada/Puerto Rico. Most orders are delivered within 7 business days from the purchase date. Does not ship to PO boxes. See return policy. Must pay applicable tax and provide name and shipping address at checkout, which will be shared to facilitate shipping. 1 year warranty from from Lexar. Goods sold by Groupon Goods.
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USAA Raising Rates in Texas ?
Added on : Saturday September 06th 2014 02:00:04 PM
g: 0 Posted By: insidetheloop
Views: 109 Replies: 3 I have been with USAA for 20+ years. I just signed up a new driver last year (16 year old son) and rates jumped big time. I expected that with a new driver. Its now one year later and all 3 drivers in the family have clean records. Since the new driver is now a year into his license with no incidents I wanted to compare policies. Current USAA policy with standard coverage and $1000 deductibles across the board is $3600 for a 6 month term. Geico and Progressive were both less than $2,000. I made sure both quotes were same exact coverage and consulted with USAA agent to make sure I was not missing something. Let them know of the huge discrepancy and asked if they could re-evaluate my policy b/c I did not want to leave. Her response was simply "we don't price match". Double the cost is too much even for the best customer service in the business. I am going to have to switch.

I just wonder how many customers are like me- I always trusted that the policy amounts were competitive but SUCH A BIG DIFFERENCE IS VERY DISAPPOINTING. I feel they are taking advantage of a very trusting customer base .

Am I way off base here or is this the reality of the competitive insurance business.
Discussion Deals
g: 0 Posted By: ctgolfer
Views: 79 Replies: 1 use coupon code: 6PMCNBDAY14

Successor to the GEL-Kayano 18, SKU# 7881893.
A running shoe built for the moderate overpronator who requires a combination of cushioning and enhanced stability.
Breathable mesh upper.
Durable synthetic overlays.
Biomorphic Fit is created with a stretch material that is strategically placed throughout the upper to reduce buckling and provide an exceptional fit and feel.
Discrete Eyelets - Independently placed eyelets evenly distribute lace tension for an enhanced fit.
Heel Clutching System is made up of an exoskeletal heel counter that promotes an improved fit and increased support.
PHF (Personalized Heel Fit) creates a custom fit as the two layers of memory foam that line the collar mold to your heel.
ComforDry sockliner offers antimicrobial properties for a drier, healthier environment.
I.G.S (Impact Guidance System) is an ASICS design philosophy that employs linked componentry to enhance the foot's natural gait from heel strike through toe-off.
Rearfoot & forefoot Gel cushioning systems work together to better attenuate impacting shock and allow the foot to move fluidly throughout the gait cycle.
Gender-Specific Forefoot Cushioning - A top layer of injected Solyte for increased underfoot cushioning.
DuoMax Support System is a dual-density midsole that is positioned for optimal support and stability.
Plus 3 - A gender-specific technology in which 3mm of height is added to help alleviate achilles tension.
Trusstic System reduces overall weight of the sole unit, while retaining the structural integrity of the shoe.
Space Trusstic System mid-foot stabilizer creates a pocket between the Trusstic System unit and the midsole, promoting more controlled midsole deformation, as well as more efficient foot function.
Guidance Line technology employs a vertical flex groove that decouples the tooling along the line of progression for maximum stride efficiency.
AHAR (ASICS High Abrasion Rubber) is known for its supreme durability and is strategically placed throughout high-wear areas of the outsole.
DuraSponge forefoot outsole material is comprised of a blown AHAR rubber for superior cushioning and long-lasting wear.

www.6pm.com/asics-gel-kayano-19-lightning-turquoise-iris
Shoes Deals

6PM Coupons
Destiny in-game codes - Redeem @ Bungie
Added on : Saturday September 06th 2014 08:00:03 AM
g: 0 Posted By: ctgolfer
Views: 109 Replies: 0 join or sign in to redeem Destiny in-game codes

NumberTypeNameCode
1GrimoireWarlockYKA-RJG-MH9
2GrimoireHunterMVD-4N3-NKH
3GrimoireTitan3DA-P4X-F6A
4GrimoireRixisTCN-HCD-TGY
5GrimoireOld-RussiaHDX-ALM-V4K
6GrimoireHive473-MXR-3X9
7GrimoireMoonJMR-LFN-4A3
8GrimoireGjallorhornHC3-H44-DKC
9GrimoireDuke MK.4469P-KRM-JJA
10GrimoireThe Tower69P-VCH-337
11GrimoireThe Hive: Ogre69R-CKD-X7L
12GrimoireValley of the kings, Mars69R-DDD-FCP
13GrimoireThe Fallen69R-F99-AXG
14GrimoireRed Death69R-VL7-J6A
15GrimoireThe Cabal69X-DJN-74V
16GrimoireThe Devastated Coast, Venus6A7-7NP-3X7
17GrimoireVex Minotaur6A9-DTG-YGN
18EmblemSign of the Finite7F9-767-F74
19EmblemBinding FocusFJ9-LAM-67F
20EmblemIllusion of LightJD7-4CM-HJG
21EmblemAb AeternoJDT-NLC-JKM
22EmblemField of LightJNX-DMH-XLA
23EmblemLone Focus, Jagged Edge7CP-94V-LFP
24ShaderDouble Banshee7MM-VPD-MHP
25ShaderOrakel 99RXC-9XJ-4MH



www.bungie.net/en/User/coderedemption





Video Games Deals
prAna Saxton Pant - Men's $39.48 Campsaver Fs on $50+
Added on : Saturday September 06th 2014 04:00:02 AM
g: 0 Posted By: tedhawkins
Views: 54 Replies: 0 prAna Saxton Pant - Men's $39.48 Campsaver Fs on $50+

http://www.campsaver.com/saxton-pant-men-s


Warm and thick corduroy is always a comfort when cold weather comes around. The prAna Saxton Pant has a touch of spandex added for stretch, giving you a little more leeway in your leaps over patches of slurry sidewalk.
18 Wale Stretch corduroy
Light hand sanding for a worn in look
5-pocket styling
Free Range Gusset for range of movement

High Sierra Summit 45 Internal Frame Pack $49.99 @ Woot
Added on : Friday September 05th 2014 08:00:03 PM
g: 0 Posted By: ctgolfer
Views: 158 Replies: 0 45-liter, top-load main compartment with gusseted drawstring closure and adjustable top lid
Front-load sleeping bag compartment with divider
Padded backpack straps, with adjustable load-lifters, is constructed with Vapel mesh Airflow
Single, contoured aluminum frame bar
Molded foam back panel with Airflow channels
Adjustable waist belt, with Vapel mesh Airflow padding
Adjustable side and bottom compression straps keep gear secure
Internal hydration reservoir sleeve and dual exit ports for tube (reservoir not included)
Removable media pocket
Adjustable sternum strap stabilizes pack
Soft lashing hardware
Dual mesh pockets hold water bottles
Tuck-away rain cover

www.woot.com/offers/high-sierra-summit-45-frame-packs
Sports & Outdoors Deals

woot! Coupons
g: 0 Posted By: ctgolfer
Views: 83 Replies: 0 shipping adds $5

Specifications: Projection System: DLP Native Resolution: WXGA (1280x800) Brightness: 3000 ANSI Lumens Contrast Ratio: 2600:1 Display Color: 1.07 Billion Colors Lens: F= 2.7, f=5.45mm Aspect Ratio: Native 16:10 (5 aspect ratio selectable) Throw Ratio: 0.37 (87@0.73m) Image Size (Diagonal): 60"-300" Zoom Ratio: Fixed Lamp Type: 225W Lamp Mode (Normal/Economic/SmartEco/LampSave/LumenCare): 2500/4000/NA/NA/NA hours Keystone Adjustment: 1D, Vertical 40 degrees Projection Offset: 125%5% Resolution Support: VGA(640 x 480) to UXGA(1600 x 1200) Horizontal Frequency: 31K-102KHz Vertical Scan Rate: 23-120Hz Interface: Computer in (D-sub 15pin) x 2 (Share with Component Video in)
Monitor out (D-sub 15pin) x 1
HDMI (V1.3) x 1
Composite Video in (RCA) x 1
S-Video in (Mini DIN 4pin) x 1
Audio in (Mini Jack) x 1
Audio L/R in (RCA) x 1
Audio out (Mini Jack) x 1
Microphone in (Mini Jack) x 1
Speaker 10W x 2
LAN (RJ45) x 1
USB (Type A) x 2 (Wireless display/USB Reader/Remote Desktop)
USB (TypeB) x 1 (work for PD pen/ FW download)
USB (mini TypeB) x 1 (USB display)
RS232 (DB-9pin) x 1
IR Receiver x 2 HDTV Compatibility: 480i, 480p, 576i, 576p, 720p, 1080i, 1080p Video Compatibility: NTSC, PAL, SECAM 3D Support and Compatibility: PC: 120Hz Frame Sequential 3D for resolutions up to WXGA
PC: 60Hz Top-Bottom 3D for resolutions up to SXGA+
Video: 60Hz Frame Sequential 3D for resolutions up to 480i Audible Noise (Normal/Economic Mode): 33/31 dBA Power Supply: AC100 to 240 V, 50 to 60 Hz Power Consumption: 310W (typical), Standby<1W On-Screen Display Languages: Arabic/Bulgarian/ Croatian/ Czech/ Danish/ Dutch/ English/ Finnish/ French/ German/ Greek/ Hindi/ Hungarian/ Italian/ Indonesian/ Japanese/ Korean/ Norwegian/ Polish/ Portuguese/ Romanian/ Russian/ Simplified Chinese/Spanish/ Swedish/ Turkish/ Thai/ Traditional Chinese (28 Languages) Picture Modes: Dynamic/Presentation/sRGB/Cinema/User 1/User 2 Dimensions: 12.99"(W) x 6.06"(H) x 10.94"(D) Weight: 9.1 lbs
In the box:

BenQ
MW870UST BenQ
3000Lm WXGA Ultra Short-Throw DLP Projector
Remote Control
Power Cord
VGA (D-sub 15pin) Cable
USB cable (B to A type)


http://electronics.woot.com/offers/benq-3000lm-wxga-ultra-short-...
Projectors Deals

woot! Coupons
EB-5 -- "Give Us Your Rich, Your Money"
Added on : Friday September 05th 2014 07:00:07 PM
g: 0 Posted By: bighitter
Views: 116 Replies: 2 Interesting article in Bloomberg's Business Week about the government's EB-5 program. The EB-5 program requires wealthy foreign investors to invest a minimum of $500,000 in job-producing US real estate developments or businesses. In exchange for their money, the foreign investors receive green cards for themselves and their families. read article here

The EB-5 program was purportedly initially designed to generate jobs in targeted economically depressed or rural US cities. This Marriott hotel in Downtown Los Angeles's South Park district (populated by expensive high-rise apartments) is one of the development properties financed with EB-5 funding. New Marriott Downtown Los Angeles. and this luxury apartment project in Texasdiscussed here

Interesting concept in that it promotes new development, which adds significantly to the city's and state's property tax revenue coffers. But it looks as if the program is helping developers line their own pockets rather than create any long-term jobs in low income areas.

Discussion Deals
Rental lease terms advice_Massachusetts
Added on : Friday September 05th 2014 10:00:09 AM
g: 0 Posted By: spinkan
Views: 97 Replies: 4 I have a few questions regarding my lease agreement and what my options are in that regard. Here's the story: I recently moved into a new apartment in Massachusetts (about a month ago). Per the conditions of the lease, all utilities are included (i.e., heat, hot water, gas for cooking, and electric) for $900/mo. However, I received a phone call from the realtor this afternoon stating that there was "human error" when the lease was written and, in fact, my building does not include electric in the rent. There are four total buildings in the complex and, according to the realtor, my building and the adjacent building have a meter and thus, require the tenants to pay electric separately. In the lease under "Heat and Other Utilities," it specifically states (with two asterisks), "**Heat, Hot Water, Gas for cooking, & Electric is included in rent." Aside from this column, it notes, "Tenant: This section governs utility payments. Be sure to discuss with the Lessor those payments which will be required of you for this payment." Attached to the lease in an "Addendum to Lease Agreement" which also states, "Utilities and Services. Tenant shall be responsible for phone, & cable. Landlord will provide the following: Heat, gas stove cooking, electric, hot water, sewer, and refuse." The lease as well as the addendum are signed by both myself and the lessor. When I inquired about how "human error" is something I should be penalized for, she responded by saying that I could move out of the apartment if I was unhappy with having to pay electric and that she could help in my search to relocate. Clearly, I am not looking to move (it's a hassle, not to mention costly, and I've finally settled in). But that's besides the fact. I signed the lease with the impression that all of my utilities would be included which is a large part of why the unit was so appealing to me, considering I am a graduate student and need to save where I can.

Nonetheless, what are you thoughts? Any advice about how I should go forward with this? What are my options?

I appreciate all the help I can get. Thank you!!
Personal Finance Deals
1.99% Unsecured "AnythingLoan"
Added on : Friday September 05th 2014 06:00:12 AM
g: 0 Posted By: LordB
Views: 153 Replies: 1 Found this over at bogleheads. Have not tried myself, but apprently https://www.lightstream.com/ offers it. They say it is for car loans, but they do not ask for VIN # and it appears to be an unsecured loan.

Bogleheads discussion with further info: http://www.bogleheads.org/forum/viewtopic.php?f=2&t=146234&newpo...
Deal Deals
New Fed report states the obvious: Uneven recovery
Added on : Thursday September 04th 2014 09:00:10 AM
g: 0 Posted By: fwcompid
Views: 23 Replies: 0 Fed released their Survey of Consumer Finances today

Link to page: Here

Direct Link to report: Here

Bloomberg story: Here

tl;dr: In the past three years, mean family income went up 4% in real terms, but median income fell 5%. Report basically outlining that the rich are getting richer and the poor getting poorer.
Discussion Deals
Renters insurance Claim woes. Advice appreciated!
Added on : Thursday September 04th 2014 07:00:15 AM
g: 0 Posted By: mp3ster
Views: 129 Replies: 4 So ill make this story as short as possible. My girlfriend and I live in a Condo that we rent. We have had renters insurance with the same company for the last 5 years, and had not made a claim until this one, and we are not happy.

What happened :
-Our cable line got hit by lightning, this fried all of our cable boxes, and modem. This also fried all of the HDMI ports on the TV's and projectors that the cable boxes were attached to. It also fried my router.

Resolution:
-WOW! (our cable provider) replaced all of the cable boxes and the modem 3 days after the lightning strike. At that time it was determined (by the tech that came to our house) that all of the HDMI ports for the devices that their boxes were connected to got fried. He hooked every box up via component cables instead. And that the router is no longer functional.

Insurance Claim:
-Assurant is our insurance company. The adjuster that was assigned to our claim contacted me a few days after i opened the claim over the phone.
The Adjuster said that we had to itemize all of the items damaged, and had to get a "certified electronic repair person" to verify damages and provide an estimate for the repairs. That repair person would have to provide a replacement / repair cost to the insurance company.
I contacted WOW! and had one of their service tech's call Assurant to verify the damages. This did not satisfy the insurance company's request.

Here is my irritation:
This is all done on my dime and my time. I have to take the TV's and hardware that was damaged to the electronic store. I have to pay the $35 per device for him to diagnose the issue. And i have a $500 deductible. So if they are able to fix it, its all coming out of my pocket (assuming HDMI boards are under $500)
I complained to the insurance company that this is the adjuster job, that we pay for insurance to be covered, not to have to fight. If a tree fell on my car, would my insurance company make me drive to a Body Shop and make an estimate? No.

Needless to say, this is the only claim that i will have with this insurance company. As soon as this claim is resolved, i will be switching company's'.

If you guys could provide me some feedback on how to handle this with my insurance company, or if you had a similar, or way different experience, chime in!

List of damaged electronics :

55" 1080p Panasonic smart TV
32" 1080p LCD TV
Optoma 1080p Projector
Onkyo reciever
Asus Router
Xbox 360
Chromecast

Discussion Deals
g: 0 Posted By: luv2shop80
Views: 194 Replies: 0 Musician's Friend has theMichael Kelly Dragonfly 4-Fretless Acoustic-Electric Bass Smokeburstfor$299.99with free shipping.

Set-Neck Construction
Quilt Maple Back, Sides, and Top
Mahogany Neck
2-way Adjustable Truss Rods w/ 2 Graphite Rods
Scalloped Bracing
Rosewood Fingerboard
12" Radius and 34" Scale
Dragonfly and Vine Custom Inlay of Pearl and Abalone with Solid Abalone INlay SOundhole
Michael Kelly Rosewood Acoustic Bridge

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FSA in a new job
Added on : Thursday September 04th 2014 06:00:05 AM
g: 0 Posted By: Moosy
Views: 18 Replies: 0 I am switching jobs both have an FSA. I maxed and used my entire $2,500 in FSA in my old job - which is great since I only contributed $1,875. Now comes the question whether in my new job for 2014 I can only contribute ($2,500-$1,875) = $625 or I can contribute the full $2,500 from scratch (assuming I can use it in 2014).
Discussion Deals
How is inflation affecting me?
Added on : Thursday September 04th 2014 05:00:07 AM
g: 0 Posted By: alienjedi
Views: 140 Replies: 7 So I read through a lot of the posts on savings and a big argument is that a savings account of 1% is losing me money due to inflation being higher than the return. For me, I don't really see inflation directly causing my cost of living to increase. My question is where is inflation hitting me that I am not seeing?

I have a budget and have been tracking spending for the past year.My expenses in order of magnitude are as follows:
Rent - unchanging our landlord is very happy with us and wants to keep us
Food - I always shop with coupons and wait for meat to go on sale and buy in bulk and freeze. I buy produce when it is in season (on sale).While the trade costs of grains may be going up, I am not feeling it.
Car (Gas/insurance/repairs) - Car is paid off and runs well (2010 Forte 120k miles) and I do all my upkeep. Trade in value is between 5-6k. Cost for a new equivalent model with warranty would be 16k, since I don't have any repairs which would cost 10k, it doesn't make sense for me to get a new car. Cost for a new forte with equivalent features has remained the same since I bought my car so still not seeing inflation there. Gas prices while cyclical have actually been dropping, or at least normalizing for the past 3 years (Gas Chart). Insurance has gone down or remained the same since I bought the car.
Shopping/travel - Always do it on a budget, airfare is really the only thing that I see a continual increase in price for...
Medical - No major expenses here

So aside from airfare how is my money losing value due to inflation?
Discussion Deals
Amazon - Several History Books - Free KINDLE
Added on : Thursday September 04th 2014 01:00:04 AM
g: 0 Posted By: CindyLouWho2
Views: 58 Replies: 0 ~~Amazon - Several Books on History - Free KINDLE
Here are several eBooks from Amazon that are currently free KINDLE:The Forgotten Women Heroes: Second World War Untold Stories - The Women Heroes in the Extraordinary World War Two [KindleThis is a short and Untold Stories of the Women Heroes in the Extraordinary World War Two ***These women have been footnotes in history and at least one of them was a model for women in James Bond books and movies. The women however have remained in the shadows of the stories of the Second World War. These women fade into history even though their actions were crucial in changing the outcome of the war.This book is an effort to remember these forgotten women and remove the shrouds from the memory of these amazing and courageous women.http://www.amazon.com/Forgotten-Women-Heroes-Stories-Extraordina...
*********************War Stories: The American Civil War, Remembered by Those Who Were There [Kindle Edition]
See the Civil War through the eyes of the people who lived through it: spies, soldiers, generals, escaping slaves, nurses, and more.When one thinks of the American Civil War, it is easy to conjure up images of great generals developing brilliant strategies and influential politicians making historic decisions; but there was a great deal more going onIn this book, you will find Civil War stories most people have never heard before, told by people who actually lived during those momentous times. From intrepid young men who went aloft in balloons and viewed the enemys position, to the joys and miseries of the private soldier, to the daring activities of secret spies...Laugh as Sir Henry Morton Stanley recounts his adventure, as a young private, raiding the farm of a Unionist to forage for he and his messmates Christmas dinner. Or, be amazed as Sarah Edmonds tells how she disguised herself and made her way deep within Confederate lines. These accounts and many more make up this unique collection of amazing Civil War stories...From camp pranks to close, bloody conflict; and from the jubilation of victory to the misery of defeat, you can find it all in War Stories: The American Civil War, Remembered by Those Who Were There.
http://www.amazon.com/War-Stories-American-Civil-Remembered-eboo...
The Memoirs of Colonel John S. Mosby [Kindle Edition]
John S. Mosby (AuthorJohn Singleton Mosby served as commander of the 1st Virginia Cavalry, known as Mosby's Rangers. His memoirs describe his experiences and recollections of Robert E. Lee and JEB Stuart, among others. A table of contents is included.http://www.amazon.com/Memoirs-Colonel-John-S-Mosby-ebook/dp/B00A...
"Boots and Saddles" or Life in Dakota with General Custer [Kindle Edition]
Boots and Saddles or Life in Dakota with General Custer, written by George Armstrong Custer's wife Elizabeth, is an incredible look into the life of the Custers and their life on the Great Plains.A table of contents is included.
http://www.amazon.com/Boots-Saddles-Dakota-General-Custer-ebook/...
******************************************Memoirs of the Confederate War for Independence [Kindle Edition]
Heros von Borcke (1835-1895), was a German cavalry officer who served for the Confederacy. His memoirs are sympathetic to the Confederate cause, and discuss some of the most notable events in the Civil War.http://www.amazon.com/Memoirs-Confederate-Independence-Heros-Bor...
The 15 Decisive Battles of the World from Marathon to Waterloo [Kindle Edition]Creasy's The 15 Decisive Battles of the World from Marathon to Waterloo is a fascinating history of history's greatest battles.A table of contents is included.http://www.amazon.com/Decisive-Battles-World-Marathon-Waterloo-e... of Greece Volume 2: Grecian History to the Reign of Pisistratus at Athens [KindleHistory of Greece Volume 2: Grecian History to the Reign of Pisistratus at Athens, is part two of George Grotes epic history of Greece.
http://www.amazon.com/History-Greece-Grecian-Pisistratus-Athens-... of Greece, Volume 1: Legendary Greece [Kindle Edition]
George Grote
History of Greece, Volume I: Legendary Greece, from the Gods and Heroes to the Foundation of the Olympic Games (776 B.C.) is part one of George Grotes epic history of Greece.http://www.amazon.com/History-Greece-1-Legendary-ebook/dp/B009QA...
History of Greece Volume 3: From the Age of the Despots to the Western Colonies [Kindle Edition]
George Grote (Author)
History of Greece Volume 3: From the Age of the Despots to the Western Colonies is the third part of George Grotes epic history of Greece.
http://www.amazon.com/History-Greece-Despots-Western-Colonies-eb...
History of Greece Volume 4: Greeks and Persians [Kindle Edition]
George Grote (Author)
is part four of George Grote's epic history of Greece.
http://www.amazon.com/History-Greece-4-Greeks-Persians-ebook/dp/... Heroes and Great Chieftains [Kindle Edition]
Charles A. Eastman (Author)Indian Heroes and Great Chieftains is a fantastic collection of brief biographies of famous Native Americans such as Red Cloud, Sitting Bull, Crazy Horse, and more.A table of contents is included.
http://www.amazon.com/Indian-Heroes-Chieftains-Charles-Eastman-e... Life and Times of Akhnaton [Kindle Edition]
Arthur Weigall (Author)
Arthur Weigall's The Life and Times of Akhnaton is a fascinating biography of one of Egypt's most controversial pharaohs.http://www.amazon.com/Life-Times-Akhnaton-Arthur-Weigall-ebook/d... Hessians and the Other German Auxiliaries of Great Britain in the Revolutionary War [Kindle Edition]
Edward J. Lowell (Author)
The Hessians were greatly feared mercenaries from Germany and they fought for the British in many of the battles of the American Revolutionary War. This version of Lowells The Hessians and Other German Auxiliaries of Great Britain in the Revolutionary War includes a table of contents.http://www.amazon.com/Hessians-German-Auxiliaries-Britain-Revolu...
Totally Free Deals
The North Face Women's Oso Boots (Shiny Black) - $54.99 w/ FS at 6PM
Added on : Wednesday September 03rd 2014 06:00:03 PM
g: 0 Posted By: jskins
Views: 320 Replies: 0 The North Face Women's Oso Boots (Shiny Black)- $54.99 with free shipping at 6PM.

Sizes 5-10
B-Med Width
Water-resistant, Element-shedding, 100% recycled P.E.T. Ripstop Vamp
Water-resistant, Oso Fleece Shaft
Protective Synthetic Mudguard (Equivalent to 600 Fill Goose Down)
ThermoBall Insulation
Bungee Drawcord at Cuff
Cushioned, Lightweight, Injection-molded EVA Outsole
Inset TNF Winter Grip Rubber Center Pod w/ IcePick Temperature-sensitive Lugs


These boots are selling for $123.49 shipped on Amazon.

Available in Prussian Bluefor $64.99.


Shoes Deals

6PM Coupons
kenneth cole reaction business bag, black, for 129.66, amazon
Added on : Wednesday September 03rd 2014 05:00:03 AM
g: 0 Posted By: Goldie53
Views: 97 Replies: 0 http://www.amazon.com/Kenneth-Cole-Reaction-Business-Black/dp/B004AK9Z2K/ref=sr_1_26?s=pc&ie=UTF8&qid=1409756341&sr=1-26
List Price: $460.00 Price: $129.66&FREE Shipping.FREE Returns.Details You Save: $330.34 (72%)
4 inch double gusset flapover portfolio/ 15.4 inch computer case with pull through handle

Leather
Imported
12.5" high
15.5" wide
Handsome business case in flapover construction featuring full-grain cowhide leather exterior with front compartment and fully-lined interior
Front compartment features a padded computer pocket made to hold most 15.4 inch laptops and three padded open top accessory pockets
Removable, adjustable, and padded shoulder strap

Luggage Deals

Amazon Coupons
Best Credit Card for large purchases
Added on : Wednesday September 03rd 2014 02:00:05 AM
g: 0 Posted By: busterblader
Views: 18 Replies: 0 I am going to be spending roughly 7k a semester for school for tuition, and I was going to pay for it via credit card. What would be a good card to maximize my rewards? I already signed up for the Chase United MileagePlus Explorer card with 50,000 bonus miles, and from research I saw Capital One has a flat 1.5% on all purchases.

Any more suggestions?

Thanks
General Discussion Deals
Rite Aid 9/21 - 9/27
Added on : Tuesday September 02nd 2014 05:00:08 PM
g: 0 Posted By: MrVietnam
Views: 105 Replies: 0 RA 9/21-9/27

BOGO Quilted Northern and Brawny multipacks

2/$5 Cheerios, Miniwheats, Nutri Grain Bars

$2.22 Simply Purified Water

3/$10.98 with $1 UP Coke 12 pk

$5 UP WYB $15 Garnier/Maybelline L 4 (Monthly Deal)

P.2 is food deals

DiGiorno $2.99 6.5" Pizza and Hot Pockets

$3.49 Bisquick

2/$5.00 Ragu Pasta Sauce

$1 Kraft macaroni & cheese, Campbell's Spaghetti-os

$3.49 Tropicana Pure Premium Orange Juice

P.3 More Food Deals

2/$6 with $1 UP L 4 Raisinets, Weight Watchers, & Skinny Cow 6 pk

3/$3 with $1 UP L 4 Junior Mints, Dots, Mike & Ike

p.4 Halloween sales and Candy

$10.99 with $1 UP L4 Mars, Hershey's or nestle Variety Pack

3/$2 with $1 UP wyb 3 L 2 Mars, Reeses or Peeps single serve Halloween Candy

$5.99 with $1 UP L 4 Whitman's Sampler or Russel Stover Boxed Candy 8-12 oz

P. 5 RA Brand

$19.99 RA Omeprazole $19.99 with $6 In-ad

2/$5 RA Maxi Pads/ Pantiliners/ Tampons / Feminine Cloths $1 UP wyb 2 L 4 (monthly)

2/$10 RA 3 or 5 blade razor with $3 UP wyb 2 L 4 (Monthly)

2/$15 Tugaboos $3 UP wyb 2 L 4 (monthly)
In Store Promos Deals
Give Me Some Lip Set (6-pc.) - $30.95 shipped @ Sephora
Added on : Tuesday September 02nd 2014 03:00:03 PM
g: 0 Posted By: hellokitty27
Views: 260 Replies: 0 Sephora has the Give Me Some Lip Set (6-pc.)for $25.00 w/ $5.95 shipping. Use coupon code HELLOWOW at checkout to receive a free sample of Benefit foundation.

0.03-oz. Urban Decay Mini Naked Revolution Lipstick
0.12-oz. Nars Deluxe Orgasm Lip Gloss
0.07-oz. Buxom Mini Full On Lip Cream in White Russian
0.02-oz. Marc Jacobs Mini Lust for Lacquer in Kissability
0.05-oz. Deluxe Bite High Pigment Lip Pencil in Meritage
0.20-oz. Full-size Smashbox Be Legendary Gloss in Pout

Makeup Deals

Sephora Coupons
Exchange Traded Fund (ETF) discussion
Added on : Tuesday September 02nd 2014 11:00:11 AM
g: 0 Posted By: SeattleNative
Views: 86 Replies: 0 There is a FW discussion thread for individual stocks. May we start a discussion thread for exchange-traded funds (ETFs)?
Investing Deals
New Arrivals: Patrizia Pepe - Dark Atmospher Purple Leather Pochette Bag
Added on : Tuesday September 02nd 2014 09:00:10 AM
Dark Atmospher Purple Leather Pochette Bag crafted in supple leather with signature padlock finish, is ravishingly retro. Featuring flap top magnetic closure, gusseted sides for roomy compartment, removable wristlet, signature logo padlock detail in light gold and enamel, detachable fly key fob, internal zip pocket and gold tone hardware detail. Signature dust bag included. Made in Italy.
Got a Barbara's Bakery settlement check today.
Added on : Tuesday September 02nd 2014 09:00:09 AM
g: -1 Posted By: atikovi
Views: 45 Replies: 0 $46 for just filling out an online form. Free money. WOOHOO!
Discussion Deals
Trusts Final Income Tax Returns Recommended books?
Added on : Tuesday September 02nd 2014 06:00:09 AM
g: 0 Posted By: rpi1967
Views: 28 Replies: 0 Will need to close a simple trust. Have filed previous 1041 as simple trust with H&R Block tax software.
When closing the trust and distributing assets I will need to file a complex trust return and a final return also.
Recommendations for a book or guide to do so.
Of course if it is too complicated after I read the instructions, I will seek expensive help.
Discussion Deals
g: 1 Posted By: remick
Views: 75 Replies: 0 http://www.amazon.com/gp/product/B00L0N6O6U/

4.9 out of 5 stars (17 customer reviews)

WHAT IS THE SINGLE GREATEST THING THAT WILL KEEP YOUR RELATIONSHIP AFLOAT FOR YEARS?

This book answers that question.
The book revisits the notions of love and physical chemistry, giving you easy and powerful tips to revive or maintain the romantic spice in your couple. A must-read for everyone seeking to improve the energy flow in his or her relationship, from singles and active daters to newlyweds and those in long-established marriages. To compile this list, we researched the current literature, delving into subjects as varied as psychology, relationship counseling, romance at work, and family planning.
>>> The book contains a helpful Discussion Guide and a sample chapter of sequel March with Venus - 94 Creative Love Games to Heat Up Your Bedroom. Through burning questions, the book gives extensive advice on how to use the discussion guide, how to inform decisions related to the topics at hand, and how to best read it alone, in reading groups, with your partner, or as part of learning activities, among others.

>>> After reading this book, you will know how to:

Capture the energy flow within your couple, especially what truly matters in your relationship;
Set the right priorities for your couple from the get-go;
Apply the five key elements that constitute the foundation of a strong, long-lasting relationship; and
Understand why nonverbal communication can be an effective to ignite passion in your couple.
>>> Who will benefit from this book?

You and your lover.
Books Deals

Amazon Coupons
g: 0 Posted By: nyuhipster
Views: 216 Replies: 0 http://www.ebay.com/itm/301196503474
Watches Deals

eBay Coupons
Dumpster Diving
Added on : Monday September 01st 2014 05:00:08 AM
g: 0 Posted By: javaman2003
Views: 65 Replies: 0 New light on dumpster diving from the media.
BBC link

Old FW dumpster diving thread.

I guess there is safety in numbers. So many people doing it.
General Economics Deals
g: 0 Posted By: ctgolfer
Views: 45 Replies: 0 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.

www.ebay.com/itm/New-Full-Body-Shiatsu-Massage-Chair-Recliner-w-...
Home & Garden Deals

eBay Coupons
New Arrivals: Patrizia Pepe - Large Black Leather Shopper
Added on : Sunday August 31st 2014 09:00:04 AM
Large Black Leather Shopper is crafted in supple leather with gold laminate piping detail, part of the Golden Fly Collection, is an extra touch of chic to an updated classically structured tote. Featuring double flat handles with variegated pyramid stud detail, gusseted sides for extra room, top zip closure, detachable adjustable shoulder strap, internal zip pocket, signature logo detail at top front and gold tone hardware. Signature dust bag included. Made in Italy.
Deal Extreme Dash cam for under $20 with free shipping
Added on : Saturday August 30th 2014 07:00:07 PM
g: 0 Posted By: jeeperscreepers
Views: 135 Replies: 0 Deal Extreme (DX.COM) Dash cam for under $20 with free shipping. They are in Hong Kong but I have had excellent service from them over the years.
linkyhttp://deals.dx.com/team.php?sku=315172

info on camera

Mini Size 1.5" TFT 5.0MP 12 IR LED Car Vehicle CAM Video Dash Camcorder (SKU 315172)
Detail
Color Black
Model C600
Quantity 1 Set
Packing List 1 x Car DVR
1 x Car charger (12~24V / 400cm)
1 x USB cable (60cm)
1 x Car mount
1 x English / Russian / Chinese user manual
Chip
Sunplus 1521
LCD
1.5"TFT LCD Screen
Lens
90 Degree Wide Angle Lens 7670 Camera
Night Vision
Support(12 lights)
Video Resolution
1280*720 (720P 30 fps) 848*480(30 fps) 640*480 (30 fps)
Video Format
MJPEG (AVI)
Photo Format
JPEG
Photo Resolution
8M/5M/3M/2MHD/VGA/1.3M
Media Storage
Internal Memory 64MB
TF card, up to 32GB
Optional Language
English, simplified, traditional, Spanish, French, Portuguese,Russian, German, Japanese, Korean, polish, Hungarian, Czech.
Interface
support USB 2.0
Night vision nfrared lamp
Support
motion detection function
Support
network camera function
Support
Audio
Built in microphone/speaker
Battery
Built-in battery, 380mAH, working time of 90 minutes
Accessories
User Manual, USB cable, car charger, mount framer,
Manual Language
English, simplified, traditional, Spanish, French, Portuguese,Russian, German, Japanese, Korean, polish, Hungarian, Czech





Cameras Deals
g: 0 Posted By: DizzyT71
Views: 272 Replies: 0 Kmart hasJaclyn Smith Accent Chair (Various Styles)$75.99 with free store pickup.

Compare at Mygofer for $109.99


Available in:

Floral
Red
Beige
Zebra

Furniture Deals

Kmart.com Coupons
g: 0 Posted By: ctgolfer
Views: 94 Replies: 0 Brand New Commercial 6 Shelf Adjustable Steel Wire Shelving. The weight limit per shelf is 500 LBS without wheels.

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 500 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: 3000 lbs.

Maximum Weight Capacity per shelf: 500 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/311065527298
sears.com EXTRA 30% OFF CLEARANCE CLOTHING
Added on : Saturday August 30th 2014 06:00:05 AM
g: 0 Posted By: DaysFan
Views: 198 Replies: 0 Up to 50% offbedding

furniture & luggage
Online only, extra 10% off
with code: CLASS14

shop homeLABOR DAY BLOWOUTEXTRA 30% OFF CLEARANCE CLOTHINGno code requiredMembers get $100 back in points on allKitchenAid Pro 600 Stand Mixerslimit 1 per member - offer good through 9/1shop nowBuy more, save moreon clothing, shoes & accessories30% off $200+ with code: BTS3025% off $100+ with code: BTS2520% off up to $100 with code: BTS20FREE shipping on orders $59+Up to 50% offCraftsman mechanic's tool sets

& tool storage

shop nowUp to 50% offback-to-school fashion

Extra 20% off clothing & shoes
with code: BTS20

shop back-to-school
shop clothing
Clothing Deals

Sears Coupons
High Sierra Appalachian 75 Internal Frame Backpack - $59.99 @ woot
Added on : Saturday August 30th 2014 02:00:02 AM
g: 0 Posted By: st4rdust
Views: 223 Replies: 0 Today only, woot! sport has theHigh Sierra Appalachian 75 Internal Frame Backpackon sale for$59.99with $5.00 shipping.




75-liter, top-load main compartment with gusseted drawstring closure and adjustable top lid
Drop-bottom sleeping bag compartment with divider
ERGO-FIT shoulder harness constructed with Vapel mesh Airflow and foam padding
Dual, contoured aluminum frame bars
Molded foam back panel with Airflow channels
Padded waist belt
Side and bottom compression straps secure gear
Internal hydration reservoir sleeve and dual exit ports for tube
Removable media pocket
Front access to the main compartment
Adjustable sternum strap
Mesh pockets for water bottles
Tuck-away rain cover, stored in a bottom pocket
1680D Ballistic nylon
Nylon Mini-Diamond Ripstop
Limited Lifetime Warranty



4.4/5 stars based on 87 customer reviewsherefrom Amazon.
Luggage Deals

woot! Coupons
Cost of Nail Salon?
Added on : Saturday August 30th 2014 12:00:05 AM
g: 0 Posted By: RiceBOX
Views: 36 Replies: 0 Thinking of opening a Nail salon but wondering the cost. The space is basically a new construction, I will have to go in there and start from scratch. Cost is $18 a square feet. looking at a 1000-1200sqft space. Just wanna see if anyone in the construction business know a rough estimate for plumbing, electrical, washroom and wall work for that size? Probably a medium grade salon, not super fancy, just modern.

Discussion Deals
Chase mortgage pre qualification
Added on : Friday August 29th 2014 01:00:05 PM
g: 0 Posted By: deeder
Views: 85 Replies: 2 Received pre qualification letter from Chase for a home. Credit score showed 817 out of 818 on equifax but it showed two negatives where one was clearly untrue and the other was only partially true. Said high balances on credit lines when its all paid in full monthly and I use very little and it said there an account with too short a history and I have been using my latest account and paying it back in full all the time with significant balance. Account is probably roughly a year old perhaps, not sure of the exact date offhand but I pay it each and every month and had large paybacks on multiple accounts including this one.

Guess after the account is opened longer I will get the full 818? Not that it matters. It isn't like I didn't already know my credit score was immaculate.


Discussion Deals
Liberty Mutual insurance-your expeince
Added on : Friday August 29th 2014 01:00:05 PM
g: -2 Posted By: ShakuniMama
Views: 106 Replies: 2 I am looking for people's experience withLiberty Mutual insurance.

Also, any suggestions as to how to deal with them if they don't do what they are supposed to do regarding claims.
Discussion Deals
Liberty Mutual dragging it's feet over Total Loss Valuation claim
Added on : Friday August 29th 2014 11:00:07 AM
g: -1 Posted By: ShakuniMama
Views: 59 Replies: 1 It's been almost 4 weeks since my car accident as discussed here

My 2002 Honda accord was rear ended and is deemed a total loss by the appraiser. The at fault driver's (NJ plates) Liberty Mutual insurance has bee dragging it's feet over the valuation. It's been almost four weeks since the accident. After multiple calls/emails, It took them two weeks to send an appraiser who told me that someone from the total loss department will contact me within 2-3 days. When no one contacted me after 3 days, I emailed the assigned total loss claim specialist but receive no response for one week. I kept on emailing daily without any response. Finally, I called only to find an answering machine and received a message on my answering machine that this matter cannot be handled via emails and I have to "discuss" it with him.
I emailed the corp:krista.young@libertymutual.com,presidentialsvcteam@libertymutual.com as well as called his supervisor Djessica Lopesbut no response so far.

I finally managed to talk with the above mentioned claim specialist Michael Green @ total loss department today. He asked me few questions about my car and said that they don't have the mileage from my car despite the fact that the appraiser noted it down in front of me! He asked me to email him (see the irony) the picture of the odometer reading. What I don't understand is that he refused to discuss anything about a rental (I have been paying for it for last 4 weeks) saying it's company policy not to discuss about rental till valuation is completed. However, my insurance company specialist told me that they are supposed to provide a rental from the day one for "loss of use" till the payment is made and new car is bought.

I called again after emailing the pictures of odometer reading as well as my car's service history but got the answering machine again.

What are my options regarding rental and his refusal to answer emails ?
g: 0 Posted By: ctgolfer
Views: 203 Replies: 0 Nintendo Wii U
Dungeons & Dragons: Chronicles of Mystara $6.75
DuckTales: Remastered $7.49
Monster Hunter 3 Ultimate $15.99 (pictured)
Resident Evil Revelations $19.99
Street Fighter II: The World Warrior $4.99
Super Street Fighter II: The New Challengers $4.99
Street Fighter II' Turbo: Hyper Fighting $4.99
Street Fighter Alpha 2 $4.99

Nintendo 3DS
Phoenix Wright Ace Attorney Dual Destinies $17.99. Thanks himeko123 [Discuss]
Monster Hunter 3 Ultimate $19.99
Resident Evil Revelations $8.99
Resident Evil Mercenaries 3D $8.99
Super Street Fighter IV 3D Edition $9.99

www.nintendo.com/whatsnew/detail/dmJB-_0euLpZ6tAmaZlPNQemeqV0d29...
Video Games Deals
g: 2 Posted By: CPAESQ
Views: 951 Replies: 7 I got an e-mail from the NRA and they are offering Teledoc for $15 a month. No additional charges - but you pay for prescription at pharmacy. Just a flat $15 fee per month fee for unlimited calls / consultations with no additional fees at all for up to 6 family members.

http://www.nraendorsedinsurance.com/teladoc?tab1=Sign%20Up%20Now

Seems like what I need -- you get poison ivy, need an antibiotic, etc you can call a doctor and they can call in the prescription for you.

Has anyone used this? I am posting this here because I have a high deductible health insurance program and a HSA so this may help me save some cash, and time off of work if I do need a quick prescription. It covers up to 6 family members.

You do not need to be an NRA member. Your health insurance may provide this, or you just pay $40 per call
http://www.teladoc.com/what-is-teladoc/

Figured I would see if anyone here can vouch for this program / share it with other FW'ers
Discussion Deals
g: 0 Posted By: ctgolfer
Views: 165 Replies: 0
Body Material: Solid Spruce Top with Laminated Purpleheart Back and Sides
Body Finish: Gloss Urethane
Body Shape: Dreadnought Cutaway
Bracing: Quartersawn Scalloped "X"
Rosette: Checkerboard
Body Binding: Multiple
Body Top: Solid Spruce
Neck Material: Maple
Neck Finish: Gloss Urethane
Neck Shape: "C" Shape
Neck Binding: Aged White
Scale Length: 25.3" (643 mm)
Fingerboard: Rosewood
Fingerboard Radius: 11.81" (300 mm)
Number of Frets: 20
String Nut: Bone
Nut Width: 1.69" (42.9 mm)
Position Inlays: Dot
Truss Rods: Dual-Action
Headstock: Standard Stratocaster
Controls: Integrated Electronic Tuner with On/Off Switch, Volume, Bass, Mid, Treble, Body (Mid-Sweep), Low Battery Indicator Light
Special Electronics: Fishman Presys Pickup System with Active Onboard Preamp and Tuner
Bridge: Rosewood Vintage-Style Fender "Viking" Bridge with Compensated Bone Saddle
Hardware Finish: Nickel-Plated
Tuning Machines: Vintage-Style
Strings: Fender Dura-Tone 880L (.012-.052 Gauge)
Unique Features: Fender Stratocaster Headstock Shape, Matching Headstock Overlay, Gold and Black Fender Spaghetti Logo, Fender Tight Dreadnought Body Shape, 3-Ply Gold/White/Gold Pickguard, Factory Mounted Forward Strap Button with Internal Block Reinforcement, Single Wing String Tree, White Dot Position Inlays, Checkerboard Rosette, Multiple Aged White/Black Body Bindings, Bone Nut and Saddle, Dual Action Truss Rod


www.worldmusicsupply.com/Fender-Sonoran-Wildwood-Acoustic-Electr...
World Music Supply Deals
Anyone use Teledoc? Could save money on doctor visits.
Added on : Thursday August 28th 2014 03:00:04 PM
g: 0 Posted By: CPAESQ
Views: 141 Replies: 0 I got an e-mail from the NRA and they are offering Teledoc for $15 a month.

Seems like what I need -- you get poison ivy, need an antibiotic, etc you can call a doctor and they can call in the prescription for you.

Has anyone used this? I am posting this here because I have a high deductible health insurance program and a HSA so this may help me save some cash, and time off of work if I do need a quick prescription. It covers up to 6 family members.

http://www.teladoc.com/what-is-teladoc/

Figured I would see if anyone here can vouch for this program / share it with other FW'ers
Discussion Deals
What Other Credit Card Benefits Do You Make Sure to Use?
Added on : Thursday August 28th 2014 12:00:05 PM
g: 0 Posted By: justignoredem
Views: 124 Replies: 0 Odd Question, but I was scrolling through my Citi card and seeing the different benefits they offer:

Price Rewind - Register a product purchased on the card and they will monitor the price for 60 days and give you a refund of any difference in price.
Rental Car Warranty - some others do this I hear
etc... others do extended warranty for products.

All I usually ever give a crap about is the standard reward... CashBack! (Or miles for some people). When I am at a rental car agency my first thought process is "Which one of my cards will give the most CashBack on Travel related services?" and if I can't find one I just give any random one. I'm not thinking "Which one will give me free rental car insurance?"

So I'm curious, which one's are the most crucial to you guys? Because I really want to start taking advantage of them more often, but I'm usually too lazy. I'm always thinking they aren't worth the time or money to call up and register or whatever.

Now what I CAN say is worthy as far as card benefits outside of standard CashBack is this: Whenever I am skeptical of ANY charge or any merchant. I always just tell myself: "Put it on the AMEX". Because I always know if there is a problem with the charge there hasn't been a single time that AMEX hasn't sided with me. I had a cab driver rip me off with a $10 added tip... guess he enjoyed having no-tip more
Discussion Deals
Free Kindle Book- The Mystery of Garabandal
Added on : Thursday August 28th 2014 02:00:47 AM
g: 0 Posted By: remick
Views: 89 Replies: 0 http://www.amazon.com/gp/product/B00GHMAQQ8

4.6 out of 5 stars (11 customer reviews)

Fifty years ago, four young girls in a small Spanish village began falling into rigid trances, marching backward up hills, and levitating, seemingly, inches above the ground. Eyes fixed on a mysterious point in the air, they were mesmerized by something which was invisible to everyone else.
What the girls said they saw--and heard--sent shock waves that are still reverberating today. The messages the four girls claimed to receive revealed a picture of a Catholic church in crisis and a world that faced an earth-shattering future that would unfold in their lifetime.
The girls pronouncements about coming trouble in the church and world were met with fierce skepticism from the first. Some charged the girls with being possessed by demons (based on the girls strange physical poses and apparent levitation), and others claimed the girls were putting on an act (revealing their true colors when they chose ordinary married lives instead of the convent). There was also a third body of critics: those who believed that a group of girls on the CUSP of adolescence in a remote and insular society conjured up a psychodrama which, fueled by the spotlight and mounting frenzy, gained a frightening life of its own.
There was one other possibility--that the strange events in Garabandal, Spain actually did occur, and the girls received an apocalyptic warning for both the church and the modern world.
The warning to the world included a prediction that a newly militant Russia would rise again. The prophecies of Garabandal also foretell a World-Wide Warning and a Global Miracle, whose purpose is to convince a world reeling from one catastrophe to the next that God exists. But the Warning and Miracle, dramatic as they sound, are not even the most unsettling of the messages. One night, the young girls dissolved into screams. During this so-called Night of the Screams, the girls say they were shown a tragic chastisement that would befall the entire world if the Warning and Miracle failed to trigger global change.
As disquieting as those messages were, the most shocking message at Garabandal was for the hierarchy of the Roman Catholic Church. Why were the messages of Garabandal so effectively suppressed? Did it have to do with the fact that the messages presciently warned of coming scandal and turmoil in the Roman Catholic Church itself?
Did a portal open between worlds on a Spanish mountaintop in that summer of 1961? And if so, who opened the door--an angel of God or an angel of darkness? Did a young girl's flight of fancy one summer night spin wildly out of control? Or was it a visitation from God?
Now that the girls at the center of this drama are 60-year-old women, should their claims be discredited or re-examined? Are the apparitions bogus or fast-approaching their fulfillment? If the events are false, Garabandal is a fascinating and perhaps tragic human interest story with several explanations. If the events and warnings are true--then what do we do?
By the end of this book, readers can judge whether the visions of four young seers on a mountaintop in Spain were historical fact, a devilish fraud, or the creative confusion of four girls who would spend the rest of their lives trying to escape a human tragicomedy that they themselves had produced.
Totally Free Deals
tax court rules frequent flyer miles are taxable
Added on : Wednesday August 27th 2014 03:01:10 PM
g: 0 Posted By: BradMajors
Views: 26 Replies: 0 tax court rules frequent flyer miles are taxable:http://taxprof.typepad.com/taxprof_blog/2014/08/tax-court-allows...

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

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

Has anyone else created something similar? What were your strategies of encryption and storage? What type of things did you include that I didn't? An outline similar to what I created is posted in the quick summary so it can be elaborated. If there is enough interest, I'll create a generic word template / wizard for creating something similar.
Discussion Deals
Financial implications of running a dashcam in your car
Added on : Wednesday August 27th 2014 01:00:44 PM
g: 0 Posted By: nasheedb
Views: 61 Replies: 1 Dashcams seem to be very popular overseas, especially in Russia. In fact, there are entire YouTube channels dedicated to videos recorded using these dashcams (link,link). In the US though, its use is not very widespread outside of law enforcement. Is there a particular reason for this? In case of an incident, are they considered an asset or more of a liability?

There are plenty of videos where dashcams were used to foil insurance scams (link,link). However, I'm worried that a dashcam could hurt you. What happens if you get into an accident where it is clearly someone else's fault, yet your dashcam shows driving slightly faster than the average speed of traffic? Is the recorded footage your property that the police will need a warrant to obtain, or is it automatically confiscated as evidence once the police see that you have one? In case you get into an at-fault accident do you even have to tell them you have the video, or can you just hide your dashcam? Is that against the law?

What is the general consensus on dashcams? Do you run one in your car? If not, would you?
Tax Court: Citi Thank You points for account opening are taxable
Added on : Wednesday August 27th 2014 12:00:10 PM
g: 0 Posted By: tuphat
Views: 91 Replies: 1 See link below to recent decision by Tax Court.

IMPORTANT: Strictly speaking, this case involves only the points earned upon opening an account, which were reported by Citi on a Form 1099-MISC. It does NOT involve points earned through spending, the non-taxability of which the court defers to a previous IRS ruling holding same.

Basic facts: Taxpayer received 1099-MISC for $668, for redemption of 50k Thank You Points for an airline ticket. Taxpayer omitted income from his return.
Court held that (i) Citi's issuance of the 1099 outweighed, from an evidentiary perspective, taxpayer's argument that nothing of value was received, and (ii) that the item should betreated as noncash award for opening a bank account and therefore be treated as gross income.

https://www.ustaxcourt.gov/InOpHistoric/ShankarDiv.Halpern.TC.WPD.pdf

Edit to add: Receipt of the Citi 1099s is discussed in various archived threads, including:

http://www.fullofdeals.com/forums/arcmessageview.php?catid=52&thre...
http://www.fullofdeals.com/forums/arcmessageview.php?catid=52&thre...
http://www.fullofdeals.com/forums/arcmessageview.php?catid=52&thre...
Discussion Deals
Classic Red Runaway Embossed Lizard Tote is crafted in smooth and embossed leather, is a beautifully structured statement bag that will add a rich elegance to your style. Featuring side gussets, compact flat handles, signature 440 bar across top opening with double magnetic snap closure, detachable shoulder strap, detachable logo tab, internal zip pocket and gold tone hardware detail. Signature dust bag included.
g: 0 Posted By: ctgolfer
Views: 0 Replies: 0 After receiving a devastating cancer diagnosis and the staggeringly costly treatment plan that comes along with it, high school chemistry teacher Walter White (Bryan Cranston) puts his expertise to use by taking up an unorthodox new hobby: creating the perfect methamphetamine. When he develops a reputation for quality goods, Walter finds himself deeply immersed in the drug world, his part-time job having become a full-time preoccupation before he could truly understand the repercussions it would bring upon himself, his family, and his partner in crime Jesse Pinkman (Aaron Paul). This collection includes all five seasons of the groundbreaking television show from AMC.

www.bestbuy.com/site/breaking-bad-the-complete-series-with-bonus...
g: 1 Posted By: Ayla
Views: 172 Replies: 1 Charlotte Russe's Tuesday Shoes Day Sale All Shoes from $5-$35 - F/S - at Charlotte Russe



http://www.charlotterusse.com/thumbnail/Shoes/2115.uts?icid=HERO...


Shoes Deals

Charlotte Russe Coupons
Today Only! Free Shipping, No Minimum @ Charlotte Russe
Added on : Tuesday August 26th 2014 07:00:09 PM
g: 0 Posted By: st4rdust
Views: 120 Replies: 0 Today only, Charlotte Russe is offering free shipping with no minimum. LINK

You can sign up for their email list at the top of their website to get a 10% off coupon. Their free shipping threshold is usually $50.00.


They also have all shoes on sale for $5.00-$35.00, as Ayla pointed out here.I, for one, am going to try and grab some boots for autumn.


Clothing Deals

Charlotte Russe Coupons
g: 0 Posted By: calwatch
Views: 84 Replies: 0 Two years ago, when I was 27, I took all my savings and bought a $425,000 house in Toronto with the goal of being mortgage-free in four years. With two years to go, the goal is in sight.Im going to own my own three-bedroom bungalow in Scarborough by my 31st birthday.But the cost has been high financially and personally. I lived in the basement and rent out the rest. To save further, I dont own a cellphone or have cable TV or a car. On top of a full-time job, I work part-time evenings and weekends. And Ive been committed to this frugal lifestyle for some time; while at Ryerson University studying business management, I lived with my parents. While my friends were out driving cars, buying fast food, drinking and partying, I worked three part-time jobs, purchased used textbooks, brown-bagged my lunch, and cycled to school.

http://www.theglobeandmail.com/globe-investor/personal-finance/m...

Well, that and trolling your story to every media outlet in Canada, and much of the States as well.
Discussion Deals
Honda Civic 2012 end of lease option? Finance?
Added on : Tuesday August 26th 2014 11:00:53 AM
g: 0 Posted By: penelope31
Views: 37 Replies: 0 Hi,
I have a Honda civic 2012 LX model with 29000 miles on it. My lease is ending by Oct 1st. I am considering to buy my car at the end of lease (residual value $13600.00) as my civic is in excellent condition with no accident. Initially I was considering leasing another brand new car, but after much discussions I have come to the conclusion that by buyingmy Civic out I will pay the minimum amount every month. I am really looking to reduce my monthly spending on the car. I do not want to look for another certified preowned car as I would not be sure about the cars actual condition.
So is my decision regarding buying my car a good one?
Also if I need to finance , what places I should look for ? Any tips?
Will look forward for your responses.

Question Deals
New Arrivals: Marc by Marc Jacobs - Spotted Haircalf Ankle Boot Flat
Added on : Tuesday August 26th 2014 09:01:53 AM
Spotted Haircalf Ankle Boot Flat crafted in tan spotted haircalf with smooth leather accents, balance style and sophistication with a biker boot edge. Featuring side buckle detail, slip on design with small buckle gusset, rounded toe and stacked heel with rugged lugged rubber sole. Signature box and dust bag included.
g: 1 Posted By: rockymast
Views: 27 Replies: 0 http://www.amazon.com/Powerful-Affirmations-Awake-Inner-Happier-...

Digital List Price: $21.46
Length: 146 pages (estimated)
WHEN WAS THE LAST TIME YOU WERE IN GOOD SPIRITSFOR NO (CLEAR) REASON?
This book shows you potent techniques and affirmations to awaken the happier, crazier, more jovial you the inner you, the child in you.
Life isnt quite easy these days, is it? Every day we are bombarded by cues and clues that gradually and ultimately depress us: bills, the news, relationships, politics, unemployment, parenting, neighborhood violencewell, you get the idea. Surprisingly, there are people who can smartly isolate themselves from this collective feeling of gloom and doom and live a happier, simpler and fuller life by reciting regularly a number of specific affirmations. Let us share them with you!
>>> The book contains a helpful Discussion Guide and a sample chapter of sequel Thanks! In Our Stars 97 Lessons of Gratitude to Ignite Your Life and Make People Like You. Through thought-provoking questions, the book gives extensive advice on how to use the discussion guide, how to inform decisions related to the topics at hand, and how to best read it alone, in reading groups, with your partner, or as part of learning activities, among others.
Totally Free Deals
Obermeyer Claire Womens Insulated Ski Jacket $149.95 Fs @ usoutdoor
Added on : Tuesday August 26th 2014 07:00:45 AM
g: 0 Posted By: tedhawkins
Views: 149 Replies: 0 Obermeyer Claire Womens Insulated Ski Jacket $149.95 Fs @ usoutdoor

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

With the Claire jacket, Obermeyer has delivered exactly what lady skiers want: a ski jacket that functions well and looks great both on and off the slopes. The design is super slimming, with a hip gracing length and extra long vertical zippers through the torso plus a removable hood for stylish versatility. The Claire has plenty of brawn as well, made of tough poly twill with HydroBlock waterproof protection and Thinsulate insulation for comfort and warmth. Zipper gussets, an adjustable hem and built in wind guard are just bonus. Seriously, what more could a girl want in a ski jacket?
Features of the Obermeyer Claire Jacket - Womens

Fabrics/Materials: 100% polyester twill with HydroBlock
Insulation: Thinsulate
Waterproof: Yes
Pockets: Interior cell phone pocket, Interior zip stash pocket, Tricot-lined handwarmer pockets
Hooded: Removable hood
Fit: Short, Tailored Cut
Zipper: YKK Metaluxe
Hem: Adjustable interior hem drawcord
Lining: Satin lining
Cuffs: Zip cuff gussets
Shaped seams for fit
Ski Contour
Accessory ring
Detachable, scratch-free goggle cloth
Interior windguard


Clothing Deals
g: 0 Posted By: Ayla
Views: 131 Replies: 0 Thirty Seconds Over Tokyo DVD - $7.19 at WB Shop - F/S on larger orders.



http://www.wbshop.com/product/thirty+seconds+over+tokyo+dvd+1000...




Price: $4.69

Reg Price: $19.97


Shipping: $2.50


Thirty Seconds Over Tokyo is a 1944 American war film released by Metro-Goldwyn-Mayer. It is based on the true story of the Doolittle Raid, America's first retaliatory air strike against Japan four months after the December 1941 Japanese attack on Pearl Harbor.

Mervyn LeRoy directed Thirty Seconds Over Tokyo and Sam Zimbalist produced the film. The screenplay by Dalton Trumbo was based on the 1943 book of the same name, written by Captain Ted W. Lawson, a pilot who participated in the raid. In both the book and the film, Lawson gives an eyewitness account of the training, the mission, and the aftermath as experienced by his crew and others who flew the mission on April 18, 1942. Lawson piloted "The Ruptured Duck", the seventh of 16 B-25s to take off from the aircraft carrier USS Hornet aka, "Shangri-La."

Thirty Seconds Over Tokyo stars Van Johnson as Lawson, Phyllis Thaxter as his wife Ellen, Robert Walker as Corporal David Thatcher, Robert Mitchum as Lieutenant Bob Gray and Spencer Tracy as Lieutenant Colonel Jimmy Doolittle, the man who planned and led the raid. The film is noted for its accurate depiction of the historical details of the raid, as well as its use of actual wartime footage of the bombers in some flying scenes.



Running Time: 138 minutes
DVD Deals

WBShop.com Coupons
g: 0 Posted By: robstrash
Views: 10 Replies: 0 I just got a letter in the mail stating:
letter said: Currently, your credit card is issued and administered by FIA Card Services, N.A. and governed by Delaware and federal law. As of October 1, 2014, your credit card account will be issued and administered by Bank of America, N.A. and governed by North Carolina and federal law....


Discussion Deals
Blacklisted by car dealership?
Added on : Monday August 25th 2014 04:01:00 AM
g: 1 Posted By: DVDAPEX
Views: 98 Replies: 3 Short Story (read below this for the full details): I want to buy a car from Dealer A which is $1100 cheaper than Dealer B. Dealer B says that their offer is the lowest possible bid and Dealer A is out to scam me and will not send me the car for that amount. Dealer A needs to do a dealer trade to get the car and when they contact dealers with stock, they happen to contact Dealer B. Dealer B asks if the car is for "DVD Apex" and when Dealer A says "yes", Dealer B refuses to do the dealer trade.


Long Story:
I'm going through the process of buying a new car (using the "FW Style" thread) for the first time in my 20+ years of car ownership.

I used truecar to get a starting point and then I sent to all of the dealerships with the lowest cost (as well as a couple that don't seem to be involved with truecar but are still within a 50 mile radius) the "lowest out-the-door price" email that was noted in the "Buying a new car FW Style" thread.
The best offer was $1100 cheaper than Dealer B (which is local to me). (I've since had a late reply from a different dealership that's $1150 cheaper.)
There were other offers $400 - $600 cheaper than Dealer B.
Dealer A indicated that they would have to do a dealer trade to get the car.
Dealer B had the car I wanted in-stock.

I sent a follow-up to Dealer B saying they were $1100 off from the lowest bid (at that point, I didn't tell about the others who were $400 - $600 less).
Dealer B lowered their offer by $200, but said that there's no way Dealer A was going to give me the car for that price.

I figured since I was close by, I'd stop in and do a test drive (I'd previously driven the car as a rental.).
While I was at the dealership, I told the salesperson who I was and he recalled our emails. When I was done with the test drive I was told that there's no way the lowest dealership was going to be able to sell me the car for that amount. At that point, I told him that I'd had offers $400 - $600 lower than Local Dealership, so I don't think that's as "low as anyone can go."
He offered to have me talk to his manager. I told him I'll say "hi", but that we're so far apart of price that it's probably not going to result in a sale.

The minute I walked into the manager's office and he hears my name, he starts in on me telling me that Dealer A is pulling a scam as he knows what the cost is and even at the offer he gave me he's making 0 profit and that he's not going to lose money on a deal and not be able to feed his family and I look like the type of guy who wouldn't want to lose money on a deal...
When he took a breath, I mentioned that I'd had other offers for $400 - $600 less than what Dealer B was offering, but maybe they had lower overhead or some other way that they could beat Dealer B's offer.
I thanked the salesman and the manager, shook their hands and walked out the door.
As I walked out, the manager said that when Dealer A reneged on the deal, I could come back.
I said "have a nice day."

I told Dealer A that I was going to work with them and that they could source the car.
Dealer A contacted 3 dealerships showing stock and when they'd called to update me they hadn't heard from two dealers, they did mention that one of the dealerships they contacted was Dealer B and Dealer B specifically asked if the car was for DVD Apex. When Dealer A said it was, Dealer B refused to do the dealer trade.

Clearly Dealer B is trying to scupper the deal. Anyone experience this before?
Discussion Deals
American Express Membership Rewards Up To 30% Discount On GCs YMMV
Added on : Monday August 25th 2014 12:00:41 AM
g: 0 Posted By: doctorofcredit
Views: 36 Replies: 0 Just received an e-mail from amex offering a 30% discount on some gift cards when redeeming MR points. Apparently some people only received an e-mail for 10 or 20% discount, so check your e-mails.

Not that much use for myself as I don't redeem MRs for gift cards, but some of you may find it helpful.
Discussion Deals
g: 0 Posted By: ctgolfer
Views: 131 Replies: 0 Title: BioShock Triple Pack
Genre: Action, RPG
Developer: Irrational Games, Aspyr (Mac), 2K Marin, 2K China, Digital Extremes, 2K Australia, 2K Boston
Publisher: 2K Games, Aspyr (Mac)
Release Date: Dec 19, 2013
Languages: English, French, German, Italian, Spanish, Polish, Portuguese-Brazil, Russian, Japanese, Korean
Listed languages may not be available for all games in the package. View the individual games for more details.

Single-player

Steam Achievements

Steam Cloud

Full controller support

Steam Trading Cards

Multi-player

Partial Controller Support


http://store.steampowered.com/sub/36223/
Steam.com Deals
Merchant account and POS for a small convenience store
Added on : Sunday August 24th 2014 07:00:50 PM
g: 0 Posted By: npetunina
Views: 80 Replies: 0 My wife is about to start a convenience store
The majority of transactions are expected to be cash (area specifics).
Some will be credit. Most transaction size will be small (estimating <$10-15 average). Monthly transaction volume is expected to not reach a $1000 in CC.
I like what the paypals and squares and even ems+ have to offer, but this is a retail place, and we are not going to swipe customer's credit cards on a phone or make customers sign an iPad.
So ideally
- no transaction fees
- no monthly fees
- higher percentage OK as tradeoff..
- works over internet (not another phone line).. we have wireless
- ability to call in transaction if internet is down.. we are in the boonies (i liked that about EMS+)

pluses
- integrates with POS systems.

Speaking of POS systems.. we have a regular sharp register, but would like to keep track of inventory.
Anyone used opensource like Unicenta or OpenBravo? I am relatively computer savvy and not afraid of opensource.

Edit1: Looks like Square has an offline mode, but shows up as Square on customer's bills.. still no fan of Square other than pricing.

edit2: What Unicenta supports:Right now uniCenta oPOS comes withAuthorize.netFirst DataLa CaixaPayPointPaymentsGatewayPlanetauthorize

edit3: looks like merchant warehouse (highly regarded on FW) uses authorize.net.. sent them a msg.
edit4: costco evalon, has mixed feedback on this site, but even their relatively low fees (not sure about additional fees they may have beyond) make only transactions north of 17$ better suited for retail plan than "mobile" plan they offer:http://www.costco.com/merchant-account.html
Discussion Deals
ASICS GT-2000 Men's Running Shoes - $54.99 w/ FS at 6PM
Added on : Sunday August 24th 2014 12:00:10 PM
g: 0 Posted By: jskins
Views: 2 Replies: 0 ASICS GT-2000 Men's Running Shoes - $54.99 with free shipping at 6PM.

Sizes 9.5-14
Men's D-Med Width
Breathable Mesh Upper
Durable Synthetic Overlays
PHF (Personalized Heel Fit)
ComforDry Sockliner
I.G.S (Impact Guidance System)
Solyte Midsole
Rearfoot & Forefoot Gel Cushioning Systems
DuoMax Support System
Trusstic System
Guidance Line Technology
AHAR (ASICS High Abrasion Rubber)
DuraSponge Forefoot Outsole Material


These shoes are currently selling for $84.00 at Amazon.
Please evaluate my Business Idea
Added on : Saturday August 23rd 2014 11:00:33 PM
g: 0 Posted By: jdvb
Views: 37 Replies: 1 Hello all, I plan to buy a digital billboard and rent out ad space on said billboard.
I will be choosing a build location that is highly trafficked by both vehicles and pedestrians.
This location will be surrounded by businesses, and their owners, on all sides.
I expect my Target market (the people I sell ad space too, not foot traffic) will be a mix of business owners within viewing distance of the digital billboard. Also some larger businesses that are within a 30 minute drive of my digital billboard will be included in my list of targeted customers.

The going rate for an ad slot on a digital billboard in my area is between 2000-4000$ per 4 week period (Slightly less than 1 month).
I plan to have the digital billboard hold a maximum of 7 ad slots.
Each ad slot will present the advertisement for 8 seconds, then switch to the next ad slot in an infinite loop. Similar to any other digital billboard.
In my current area I have seen 2-3 digital billboards. Each billboard seems to have a minimum of 5 ad slots filled. Some have had 6-7 ad slots filled at one time. Most advertisements come from big businesses like local casinos and car dealerships.

The cost to buy, setup, and implement a digital billboard is less than 130,000$ - This is at a pixel density of 19mm. This estimate includes permits, construction, and supporting structure fees.
The cost of the digital billboard alone is about 76,000$, again at a pixel density of 19mm. - I have this from a price inquiry I made in the early months of 2014.
The costs to setup and implement a digital billboard are roughly 55,000$.This estimate includes permits, construction, and supporting structure fees.

The above financial information does NOT contain the cost of land that the billboard will be placed on. Please assume this cost to be waived.

The monthly operating cost of a single digital billboard is about 1,200$ for electricity and internet connectivity.

I expect to expand to as many digital billboards as possible, after about 3 digital billboards I plan to hire employees to manage the implementation of advertisements in ad slots. Employee pay will be roughly 60,000$ a year, a single employee will be tasked to manage and implement ads on 4 digital billboards at any given time. So a digital billboard may have an additional yearly management cost of 15,000$.

Now then am I missing something? Are there any glaring holes in this plan? - Minus my omission of land costs. | Does anyone here own a digital billboard or plain billboard?
Discussion Deals
car dealership credit report/requiring SS# in IRS Form 8300
Added on : Saturday August 23rd 2014 01:00:25 PM
g: 0 Posted By: juggle
Views: 116 Replies: 2 I am clear with car dealer that I'm paying cash. Their efforts to get me to fill out their credit app are rejected. They press that it's needed for their DMV info sharing. I give in & fill out my name, address,& DL#. Later when I'm pressed to sign that long form, I sign, but right above that- in a blank part- I write that the form isn't to be used for any credit chks. Later, I see my sales guy showing & flailing the form at his boss in frustration about dealing with me. Ha ha! Somewhere in there were comments about their need to know who they're dealing with. Again- I'm not applying for financing, but you have my ID anyway. Well, he says they can be fake. Yeah the cops are up & down the street all the time for fraud problems. They insist I'll have to fill out IRS Form 8300, Report of Cash Payments over $10k.I'll be back the next day & say I'll take the form now. He gives itto me.Today I had to call to reschedule the appt. for Mona.m. & the asst mgr makes a comment that I'llhave to provide my SS# with that form. --I don't know that it's necessary for them to have my SS#. Does anyone know if I truly do need to fillit out? Don't remember filling it out for my last car.Thoughts?
Discussion Deals
Comparison Sites for Credit Cards Under Fire (WSJ)
Added on : Saturday August 23rd 2014 05:00:30 AM
g: 0 Posted By: tuphat
Views: 122 Replies: 2 CFPB potentially holding credit card issuers liable for misinformation on third-party sites, e.g., blogs. Stupid.

http://online.wsj.com/articles/credit-card-comparison-sites-unde...
Discussion Deals
Home window/door replacement
Added on : Saturday August 23rd 2014 01:00:35 AM
g: 0 Posted By: hdpq
Views: 1 Replies: 0 I searched FWF and don't (can't!) believe this topic hasn't been discussed yet. If it has, please point me to the discussion and close this thread.

We purchased a home built in 1965 and some of the windows are original to the home. To put it bluntly, the windows are not completely drafty or in need of immediate replacement, but I'm sure they're costing me money since heat is escaping from them with our cold winters. We're looking to replace about 6-7 windows and have begun talking to various companies. We've already had one person come out to quote and measure and he informed us that since the home was built in 1965, the home most likely does have lead based paint (assumption based on visual inspection of peeling based on 25 years of experience in the business) and we'll have to remove the windows using a protective sheath to reduce the amount of dust in the home.

We're also looking to replace our front door as well as the framing around it allows in a massive amount of cold air (likewise, I'm sure cold air escapes it in the summer when we are running the air).

We have Andersen, Pella, Home Depot, and a local company coming out to quote us in the next couple of weeks. Is there any suggestions/comments/thoughts to share about your experience?

Do you NEED a branch?
Added on : Friday August 22nd 2014 04:00:58 PM
g: 0 Posted By: timgodsil
Views: 143 Replies: 10 I bank online, rarely visit branches, use my card to get cash at Free ATMs. If I have cash to deposit, I have a checking account with a CU that has "shared branching" which allows me to deposit/withdraw at over 5,000 credit union branches.

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

Credit cards can be applied for online, but things like auto loans and mortgages, does one need a physical branch to go to?
Discussion Deals
Get 60% off Featured WeatherHandler Floor Mats $3.99 & up @ Sears
Added on : Thursday August 21st 2014 09:00:44 PM
g: 0 Posted By: ctgolfer
Views: 153 Replies: 0 Get 60% off Featured WeatherHandler Floor Mats

www.sears.com/automotive-interior-accessories-floor-mats-floor-l...
Auto Parts Deals

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

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

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

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

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

I haven't seen any other discussions like this on the forums. I do know typically, most small business owners just splurge on stuff in late December if their accountant suggests they do. I don't want to be one of those people because then I'll have to pay full price for things. If I know that I should buy a new computer in a given year to reduce my tax liability, if I realize this in August, then I have 5 months to look for a sale and also possibly get an additional 5 months use out of it.
Discussion Deals
Quicken Mac 2015 released
Added on : Thursday August 21st 2014 05:00:06 PM
g: 0 Posted By: DrForce
Views: 68 Replies: 2 Intuit has released the final version of the venerable quicken software for Mac version 2015. The two biggest features of this release are mobile integration and investment tracking. It's still not at feature parity with quicken 2007 Mac or quicken windows but it is getting closer. Still no bill pay but that is a likely feature for a future release. Costs $75.http://www.quicken.com/mac
Discussion Deals
g: 0 Posted By: billrubin
Views: 18 Replies: 0 I recently had my Capital One debit card hacked and there were around a dozen withdrawals made from a total of 3 ATM's over the period of 3 days, for around $2k, I believe all of them were in the UK. When I called Capital One and asked how they allowed these to go thru when I had not told them I was traveling (as I always do), they told me that because they were PIN based they allowed them. Shouldn't someone in their security department have noticed these and tried to contact me? I only noticed it because they got downloaded into Quicken, but sadly not until they had ended. Am I expecting too much???

It took about a week but I got a provisional credit and I trust they will make it final since I didn't use it. I have no idea how they got the PIN, maybe I was skimmed at one point a while ago. I rarely use this card, only when I'm traveling, which is not that often, and haven't been to Europe since last summer.

I did call another bank I have a checking account with to see if they could put a block on all overseas withdrawals and they were able to. I wouldn't have thought that I would need to, but I guess better safe than sorry.
Discussion Deals
g: 0 Posted By: Gauss44
Views: 125 Replies: 4 I'm about ready to go back to school to do some post bacc work before applying to graduate school. Last time I was enrolled as an undergraduate student I had a lousy experience where half way through the semester, I was told (by my financial aid adviser from my college's financial aid office) that a mistake was made (the financial aid adviser goofed and overlooked something) and I was NOT eligible for over $10k that was promised to me before the semester began.

Even though the mistake wasn't on my end, I did everything I could think of to catch problems like this. It happened even though I read every piece of mail and every message that was sent to me regarding financial assistance, and even though I did substantial research about the process in my own time. (My school also has a policy where you are ONLY allowed to meet with YOUR assigned financial aid adviser, so you cannot get second opinions there.) Hopefully this was a one-time rare incident, but I definitely cannot afford to have that happen again.

I just want to know what ways there are to protect oneself from this sort if issue?

Question Deals
10% Off All Melissa & Doug Toys @ Sears
Added on : Wednesday August 20th 2014 01:00:05 PM
g: 0 Posted By: makurosu
Views: 163 Replies: 0 Sears.com is currently having a sale forat least10% off all of their Melissa & Doug toys. Link shows only items sold directly by Sears, but you can see all of the eligible itemshere.
Toys Deals

Sears Coupons
McDonald's coffee coming to supermarkets in ground and KCUPS
Added on : Wednesday August 20th 2014 06:00:14 AM
g: 1 Posted By: MISTERCHEAP
Views: 112 Replies: 1 http://money.cnn.com/2014/08/19/news/mcdonalds-coffee/index.html...
Discussion Deals
Corona Beer Recall (glass shards MMMM) see link for affected items
Added on : Wednesday August 20th 2014 06:00:13 AM
g: 0 Posted By: MISTERCHEAP
Views: 75 Replies: 0 http://pix11.com/2014/08/20/corona-recalls-beer-bottles-because-...
Discussion Deals
g: 0 Posted By: tedhawkins
Views: 78 Replies: 0 ASICS GEL-DS Trainer 18 Road-Running Shoes - Men's - 2014 Closeout $49.73 REI Fs on $50+

http://www.rei.com/product/877834/asics-gel-ds-trainer-18-road-r...

This cult favorite is lighter weight than the previous version so you can run farther faster
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g: 0 Posted By: remick
Views: 139 Replies: 0 http://www.amazon.com/dp/B00KZYVO42

5.0 out of 5 stars (18 customer reviews)

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

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

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

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

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

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

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

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

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

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

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

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

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

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

These numbers are absolutely staggering to me and I can't help but think my math and/or assumptions are off somewhere. But it definitely enforces my argument that my friend should buy in town. For those that managed to make it through all this, please chime in and offer any corrections to my reasoning. Yes, I understand there are many assumptions made here but again, the purpose of this post is to get an average figure most people can relate to. I think very few people actually consider the real cost of driving and they end up making mistakes by either buying or renting far distances from their place of employment and other desired activities because they assume they are saving money by doing so. This analysis only takes into account the direct financial costs of driving longer distances... it doesn't take into account the plethora of other considerations (which I find vastly more important) like compromised health and well-being, increased stress, quality time away from family/friends/gym/activities/alone time/relaxing/sleep, etc etc. Sitting in traffic for hours on end every day is a huge quality of life issue for me personally, money aside. If the 30 mile commute was FREE, I would still pay the $200K difference.
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1/3 of people have no savings for retirement - new article
Added on : Monday August 18th 2014 07:00:06 AM
g: 0 Posted By: cyberfire
Views: 246 Replies: 3 Pretty interesting stats, especially the "60% have less than $25,000" - although they are leaving out potential home equity and pension plans, which may be a substantial amount.

Some highlights:
USA Today said: 14% of people ages 65 and older have no retirement savings; 26% of those 50 to 64; 33%, 30 to 49; and 69%,18 to 29, according to the survey of 1,003 adults, conducted for Bankrate.com, a personal finance website.

....

=14pxOther recent research confirms that many people aren't saving enough for their golden years. About 36% of workers have less than $1,000 in savings and investments that could be used for retirement, not counting their primary residence or defined benefits plans such as traditional pensions, and 60% of workers have less than $25,000, according to a survey of 1,000 workers from the non-profit Employee Benefit Research Institute and Greenwald and Associates.


Full article:
http://www.usatoday.com/story/money/personalfinance/2014/08/18/z...

Shows the importance of saving for sure, but I personally know most of my peers (millennials as well) that fall into the "no savings" bucket.
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g: 0 Posted By: aga1000
Views: 39 Replies: 1 Just got this alert on my phone from CNN -

http://money.cnn.com/2014/08/18/technology/security/hospital-chs...

Community Health Systems that operates about 206 hospitals across US reported that 4.5 million patient names, DOB, SSN were stolen by Hackers. No clinical data was stolen.

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70% Off Valvoline Wiper Blades + P/U @ Sears
Added on : Monday August 18th 2014 01:00:05 AM
g: 0 Posted By: st4rdust
Views: 220 Replies: 0 Sears is offering70% Off Valvoline Wiper Bladeswith free in-store pickup. Prices start at $2.39.



Silver Series:

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"REQUEST - The Great Turkey"
Added on : Monday August 18th 2014 12:00:07 AM
g: 0 Posted By: HarDav143
Views: 36 Replies: 1 Turkey is one of the beautiful country in the world. Every year number of people are going for tour in Turkey. Small part of Turkey is coming under Southeastern Europe and its larger part in Western Asia. Turkey is an Mediterranean Country. Climate of Turkey is hot in summer, cool in winter and rain in mansoon season. Istanbul is the largest city in Turkey and its capital is Ankara. Many of the Bollywood and Hollywood movies shot in Turkey is Taken 2, race 2, Hitman, Ek Tha Tiger, Harry Potter and the Order of the Phoenix, Guru, The Rebound, Game, Skyfall, Accidental Spy and many more. The famous place in Istanbul is Blue Mosque and The Grand Bazaar is the world largest covered markets in Istanbul. There are many beaches, mountainous region and many more. Turkey is famous for Wine and Carpets.
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Chase cheapest on NY jumbo mortgages?
Added on : Sunday August 17th 2014 02:00:12 PM
g: 0 Posted By: deeder
Views: 69 Replies: 0 If I do stay in the USA the home I want is 2 million. Was looking around for jumbo mortgages and thought some deals were cheaper like Investors Savings Bank but then noticed Chase had 4.0 with .88 points and a 4.07% APY and no other fees listed. It also gives 1% mortgage Cash Back with a checking account so that should be 15000 less over 30 years.

Am I correct to assume that Chase is the better bank to use for closing a mortgage? Know of an attorney who was happy with Chase for his mortgage awhile back while I know of others happy with Wells Fargo but Wells seems to have a higher rate.

So much competition on jumbos with large rate and fee variations.


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clearance towels and such at sears $.97 - $3.97 ymmv B&M?
Added on : Sunday August 17th 2014 11:00:03 AM
g: 0 Posted By: hgreeniii
Views: 140 Replies: 0 Sears has some Cannon towels and such on clearance
just ordered some towels to replace the ones i lost in the "FLOOD OF 2014"
you can order online and do instore pickup

price filtered link

reg price. washcloths 8.99 now .97 or 1.97 (pending color)

reg. price hand towels 11.99 now 2.97

reg. price towels 15.99 now 3.97

first post was deleted so im posting again
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amazon: $49.99 Star Wars: The Blueprints (F/S)
Added on : Sunday August 17th 2014 11:00:02 AM
g: 0 Posted By: VivYip
Views: 150 Replies: 0 Amazon's lightning deal today is the following:

$49.99 Star Wars: The Blueprints with free shipping


Ships from and sold by Amazon.com.

Star Wars: The Blueprints brings together the original technical drawings from deep within the Lucasfilm Archives. Combined with insightful commentary from best-selling author J. W. Rinzler, the collection maps in precise, vivid, and intricate detail the very genesis of one of the most enduring and beloved stories to appear onscreen.
The meticulously researched text gives voice to the groundbreaking and brilliant engineers, designers, and artists that have, in film after film, created the most imaginative and iconic locales. Blueprints shows how in bringing this extraordinary epic to life, early concepts were translated into iconic setsthe rebel blockade runner, the Millennium Falcon, the bridge of General Grievouss flagship, Jabba the Hutts throne room, and many othersthanks to the exquisite craftsmanship and artistry of successive art departments.

Special Features:
More than 250 blueprints
More than 500 photographs and illustrations
Ten gatefolds

Hardcover: 336 pages
Publisher: 47North (April 2, 2013)
Language: English
ISBN-10: 1611097967
ISBN-13: 978-1611097962
Product Dimensions: 17.3 x 15.8 x 2 inches

Personally, if I was more of a star wars fan, I'd get this, but I'm more of a FarSide fan. (Considering this is cheaper than the Far Side collection that I splurged on over 10 years ago, this is probably a decent deal to star wards fans) Pricewise, it seems decent. Hope this might help someone. Thank you for reading.
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g: 0 Posted By: DaysFan
Views: 255 Replies: 1 http://www.brylanehome.com

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Credit markets opening back up?
Added on : Sunday August 17th 2014 08:00:07 AM
g: 0 Posted By: Tyoneon2
Views: 90 Replies: 0 Here we go again: stated income loansare back. 0% no-fee BTis back. CC sign-on bonuses are up. Good for us, but what about for the rest of the country? This thread is not meantto discuss specific deals, because those are all well-covered. Just postif you have any opinion of the general state of the credit market, what it means,and where it's headed, or maybe just a quick note about the combined results of a recent AOR compared to a year or two ago. I think it's easier now. My general experience this week:Mini-AORyielded 5 CCs with 10k+CLs instant,onedeferred, one declined. Seven new checking accounts, buttwo arefrozen. Not sure I could have done that 2 years ago. They were busy trying to shut me down.


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g: -1 Posted By: MrsF
Views: 156 Replies: 2 Unbroken: A World War II Story of Survival, Resilience, and Redemption - [Kindle Edition] -Laura Hillenbrand(Author)

LINKY: Unbroken: A World War II Book


Price is $ $9.12

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From Laura Hillenbrand, the bestselling author ofSeabiscuit,comesUnbroken, the inspiring true story of a man who lived through a series of catastrophes almost too incredible to be believed. In evocative, immediate descriptions, Hillenbrand unfurls the story of Louie Zamperini--a juvenile delinquent-turned-Olympic runner-turned-Army hero. During a routine search mission over the Pacific, Louies plane crashed into the ocean, and what happened to him over the next three years of his life is a story that will keep you glued to the pages, eagerly awaiting the next turn in the story and fearing it at the same time. Youll cheer for the man who somehow maintained his selfhood and humanity despite the monumental degradations he suffered, and youll want to share this book with everyone you know.--Juliet Disparte -The Story ofUnbrokenby Laura Hillenbrand -Eight years ago, an old man told me a story that took my breath away. His name was Louie Zamperini, and from the day I first spoke to him, his almost incomprehensibly dramatic life was my obsession.It was a horse--the subject of my first book,Seabiscuit: An American Legend--who led me to Louie. As I researched the Depression-era racehorse, I kept coming across stories about Louie, a 1930s track star who endured an amazing odyssey in World War II. I knew only a little about him then, but I couldnt shake him from my mind. After I finishedSeabiscuit, I tracked Louie down, called him and asked about his life. For the next hour, he had me transfixed.Growing up in California in the 1920s, Louie was a hellraiser, stealing everything edible that he could carry, staging elaborate pranks, getting in fistfights, and bedeviling the local police. But as a teenager, he emerged as one of the greatest runners America had ever seen, competing at the 1936 Berlin Olympics, where he put on a sensational performance, crossed paths with Hitler, and stole a German flag right off the Reich Chancellery. He was preparing for the 1940 Olympics, and closing in on the fabled four-minute mile, when World War II began. Louie joined the Army Air Corps, becoming a bombardier. Stationed on Oahu, he survived harrowing combat, including an epic air battle that ended when his plane crash-landed, some six hundred holes in its fuselage and half the crew seriously wounded.On a May afternoon in 1943, Louie took off on a search mission for a lost plane. Somewhere over the Pacific, the engines on his bomber failed. The plane plummeted into the sea, leaving Louie and two other men stranded on a tiny raft. Drifting for weeks and thousands of miles, they endured starvation and desperate thirst, sharks that leapt aboard the raft, trying to drag them off, a machine-gun attack from a Japanese bomber, and a typhoon with waves some forty feet high. At last, they spotted an island. As they rowed toward it, unbeknownst to them, a Japanese military boat was lurking nearby. Louies journey had only just begun.That first conversation with Louie was a pivot point in my life. Fascinated by his experiences, and the mystery of how a man could overcome so much, I began a seven-year journey through his story. I found it in diaries, letters and unpublished memoirs; in the memories of his family and friends, fellow Olympians, former American airmen and Japanese veterans; in forgotten papers in archives as far-flung as Oslo and Canberra. Along the way, there were staggering surprises, and Louies unlikely, inspiring story came alive for me. It is a tale of daring, defiance, persistence, ingenuity, and the ferocious will of a man who refused to be broken.The culmination of my journey is my new book,Unbroken: A World War II Story of Survival, Resilience, and Redemption. I hope you are as spellbound by Louies life as I am.From Publishers WeeklyStarred Review. From the 1936 Olympics to WWII Japan's most brutal POW camps, Hillenbrand's heart-wrenching new book is thousands of miles and a world away from the racing circuit of her bestselling Seabiscuit. But it's just as much a page-turner, and its hero, Louie Zamperini, is just as loveable: a disciplined champion racer who ran in the Berlin Olympics, he's a wit, a prankster, and a reformed juvenile delinquent who put his thieving skills to good use in the POW camps, In other words, Louie is a total charmer, a lover of life--whose will to live is cruelly tested when he becomes an Army Air Corps bombardier in 1941. The young Italian-American from Torrance, Calif., was expected to be the first to run a four-minute mile. After an astonishing but losing race at the 1936 Olympics, Louie was hoping for gold in the 1940 games. But war ended those dreams forever. In May 1943 his B-24 crashed into the Pacific. After a record-breaking 47 days adrift on a shark-encircled life raft with his pal and pilot, Russell Allen "Phil" Phillips, they were captured by the Japanese. In the "theater of cruelty" that was the Japanese POW camp network, Louie landed in the cruelest theaters of all: Omori and Naoetsu, under the control of Corp. Mutsuhiro Watanabe, a pathologically brutal sadist (called the Bird by camp inmates) who never killed his victims outright--his pleasure came from their slow, unending torment. After one beating, as Watanabe left Louie's cell, Louie saw on his face a "soft languor.... It was an expression of sexual rapture." And Louie, with his defiant and unbreakable spirit, was Watanabe's victim of choice. By war's end, Louie was near death. When Naoetsu was liberated in mid-August 1945, a depleted Louie's only thought was "I'm free! I'm free! I'm free!" But as Hillenbrand shows, Louie was not yet free. Even as, returning stateside, he impulsively married the beautiful Cynthia Applewhite and tried to build a life, Louie remained in the Bird's clutches, haunted in his dreams, drinking to forget, and obsessed with vengeance. In one of several sections where Hillenbrand steps back for a larger view, she writes movingly of the thousands of postwar Pacific PTSD sufferers. With no help for their as yet unrecognized illness, Hillenbrand says, "there was no one right way to peace; each man had to find his own path...." The book's final section is the story of how, with Cynthia's help, Louie found his path. It is impossible to condense the rich, granular detail of Hillenbrand's narrative of the atrocities committed (one man was exhibited naked in a Tokyo zoo for the Japanese to "gawk at his filthy, sore-encrusted body") against American POWs in Japan, and the courage of Louie and his fellow POWs, who made attempts on Watanabe's life, committed sabotage, and risked their own lives to save others. Hillenbrand's triumph is that in telling Louie's story (he's now in his 90s), she tells the stories of thousands whose suffering has been mostly forgotten. She restores to our collective memory this tale of heroism, cruelty, life, death, joy, suffering, remorselessness, and redemption.
Books Deals

Amazon Coupons
g: 0 Posted By: ctgolfer
Views: 151 Replies: 0 WeatherHandler 4 Piece Floor Mat Set $9.99

www.sears.com/search=weatherhandler%20all%20season%204%20pc.%20r...
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g: 0 Posted By: ctgolfer
Views: 59 Replies: 0 Northwest Territory Big Boy Recliner Chair fabric model is a go-anywhere portable chair for all outdoor activities
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The Foot Book: Dr. Seuss's Wacky Book of Opposites Amazon $2.76
Added on : Saturday August 16th 2014 10:00:05 PM
g: 1 Posted By: Donedealzz
Views: 213 Replies: 2 http://www.amazon.com/Foot-Book-Seusss-Wacky-Opposites/dp/067988...

The Foot Book: Dr. Seuss's Wacky Book of Opposites Amazon $2.76

~~A toe-tapper babies will love--the classic Seussian book about opposites: "Wet foot, dry foot. Low foot, high foot..."
Books Deals

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Get 25% off DieHard Auto Batteries @ Sears
Added on : Saturday August 16th 2014 08:00:11 PM
g: 0 Posted By: ctgolfer
Views: 134 Replies: 0 get 25% off DieHard Auto Batteries

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Sylvania Auto lighting Settlement https://autolightclaims.com/
Added on : Saturday August 16th 2014 12:00:05 PM
g: 0 Posted By: bb6619
Views: 75 Replies: 0 Received a post card for class action lawsuit for Sylvania Automotive Lighting

If you received a postcard no need to fill out a form

https://autolightclaims.com/
Discussion Deals
Free HD/SD Episode of the Last Ship on Amazon
Added on : Saturday August 16th 2014 08:00:09 AM
g: 0 Posted By: remick
Views: 223 Replies: 0 http://www.amazon.com/Welcome-to-Gitmo/dp/B00KPQ9Q0E/

The Last Ship: Phase Six - Captain Tom Chandler and the crew of the USS Nathan James set out for the Arctic with two civilian virologists who claim to be studying birds. / Falling Skies: Ghost in the Machine - The Mason Clan and the remaining 2nd Mass suddenly find themselves under brutal attack by a new Espheni war machine.

Runtime:1 hour 28 minutes
Original air date:June 22, 2014
Movies & Music Deals
Has anyone used Acme (PA/DE) MyMixx yet?
Added on : Saturday August 16th 2014 04:00:05 AM
g: 0 Posted By: Milay
Views: 106 Replies: 0 Hey guys,

I was wondering if anyone has registered for/used ACME's (PA/DE) new MyMixx grocery coupon savings program. It looks like another digital coupon app similar to Rite Aid or Walgreens where you clip coupons online that load to your store card. I was looking to find out if anyone's been successful with both a digital and physical coupon in the same transaction. I may be giving this a try today myself.

Thanks!
Discussion Deals
g: 0 Posted By: ctgolfer
Views: 170 Replies: 0 use code: BUYMORE3 to get 20% off entire purchase, 25% off $50+ or 30% off $60+

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Added on : Saturday August 16th 2014 12:00:06 AM
g: 0 Posted By: DaysFan
Views: 167 Replies: 0 $50 off $100+ order.
Expires: Aug 17
Code: KS81421http://www.kingsizedirect.com/http://images.plussizetech.com/images/site_images/ksd/KSD_081514_HP_07.jpg


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Free Drug Discount Card (for insured & uninsured) - click for details
Added on : Friday August 15th 2014 09:00:06 PM
g: 0 Posted By: Gauss44
Views: 207 Replies: 0 http://psychcentral.com/blog/archives/2011/08/11/announcing-the-...

"up to 80% off prescription costs"

"accepted at over60,000 pharmacies, including major chains such as WalMart, CVS, Walgreens, Rite Aid and at regional chains and local stores."

(Moderators: Feel free to move this to free stuff if you think it belongs there. My impression is that this is worth over $10 which may qualify it for Hot Deals.)
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g: 0 Posted By: DizzyT71
Views: 73 Replies: 0 World Music Supply has theGuild AF-50E Acoustic Electric Guitar w/ Caseon sale for $899.99 - $350.00 coupon code "JUMBOTONE"= $549.99 with free shipping.

*** These are the NEW upgraded versions just recently released (mid 2014) where a GLOSS TOP was added (with hand rubbed satin back, sides, & neck) was added as a new feature mid 2014! The prior versions were satin finish all the way around. These are all the new upgraded version.

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Albertsons, Shaws, Osco, etc: stores hacked for credit card data
Added on : Friday August 15th 2014 09:00:11 AM
g: 0 Posted By: MISTERCHEAP
Views: 98 Replies: 0 http://money.cnn.com/2014/08/15/technology/security/albertsons-s...SuperValu said the virtual break-in affected credit cards swiped at228 storesbetween June 22 and July 17. Albertson's did not say how many of its 1,060 locations were affected by the hack. But it believes more than 700 were affected.That includes every Acme, Jewel-Osco, Shaw's and Star Market -- plus all Albertson's stores in Southern California, Idaho, Montana, North Dakota, Nevada, Oregon, Washington, Wyoming and Southern Utah.
Discussion Deals
g: 0 Posted By: ctgolfer
Views: 100 Replies: 0 Six adjustable triple-truss wire shelves

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g: 1 Posted By: rain74
Views: 256 Replies: 4 Cash in $40 or more at the Coinstar kiosk in participating stores and get a $10 store coupon off your next purchase of $40 or more. Offer valid August 17 thru September 5, 2014. Limit one coupon per Coinstar transaction. Exclusively at: A&P, Food Basics, Food Emporium, Pathmark and Waldbaum's.

*$10 off $40 coupon is redeemable August 17 thru September 12, 2014 at any A&P, Food Basics, Food Emporium, Pathmark and Waldbaum's. Limit one coupon per order. Minimum purchase of $40 required. Coupon will print on any Coinstar product you choose.

Note the two requirements:
1. Put $40 or more into the Coinstar kiosk
2. The coupon requires you spend at least $40 at the store to get $10 off.
Discussion Deals
Inside the Dark, Lucrative World of Consumer Debt Collection
Added on : Friday August 15th 2014 07:00:07 AM
g: 0 Posted By: NEDeals
Views: 59 Replies: 1 " ...These huge, routine sell-offs have created a vast market for unpaid debts not just credit-card debts but also auto loans, medical loans, gym fees, payday loans, overdue cellphone tabs, old utility bills, delinquent book-club accounts. The scale is breathtaking. From 2006 to 2009, for example, the nations top nine debt buyers purchased almost 90 million consumer accounts with more than $140 billion in face value. And they bought at a steep discount. On average, they paid just 4.5 cents on the dollar. These debt buyers collect what they can and then sell the remaining accounts to other buyers, and so on. Those who trade in such debt call it paper. That was Aaron Siegels business.

It turned out to be a good one. Siegel quickly discovered that when he bought the right kind of paper, the profits were astronomical. "

Full Article
www.nytimes.com/interactive/2014/08/15/magazine/100000003056642....
Discussion Deals
g: 1 Posted By: rain74
Views: 37 Replies: 0 Cash in $40 or more at the Coinstar kiosk in participating stores and get a $10 store coupon off your next purchase of $40 or more. Offer valid August 17 thru September 5, 2014. Limit one coupon per Coinstar transaction. Exclusively at: A&P, Food Basics, Food Emporium, Pathmark and Waldbaum's.

*$10 off $40 coupon is redeemable August 17 thru September 12, 2014 at any A&P, Food Basics, Food Emporium, Pathmark and Waldbaum's. Limit one coupon per order. Minimum purchase of $40 required. Coupon will print on any Coinstar product you choose.

Note the two requirements:
1. Put $40 or more into the Coinstar kiosk
2. The coupon requires you spend at least $40 at the store to get $10 off.
General Discussion Deals
Lancome 5-PieceTravel Size Skin Care Gift + Free Shipping w $49 Orders
Added on : Thursday August 14th 2014 04:00:02 PM
g: 0 Posted By: quasarcat
Views: 103 Replies: 0 Lancome is offering a free 5-piece travel size gift plus free shipping with all orders $49 and over. Use promo code DELUXE at checkout.
Five pieces include: Creme Mousse Confort
Advanced Genifique
Visionnaire Serum
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Definicils Mascara

Offer valid through 11:59pm PDT 8/18/14. Quantities are limited and all offers are subject to availability while supplies last. A maximum of 5 units of a single item may be placed in one order. No more than 5 orders may be placed in a 30 day time period. Only one sample offer may be applied to each order. Sample offers may not be combined with any other deluxe sample offer, additional discounts or the purchase e-gift cards.

Lancome






g: 0 Posted By: bighitter
Views: 38 Replies: 0 According to this recent article atBloomberg "An employee who completes $1.6 million of loans in a month would earn a base commission of $11,200, up from $10,800

This compensation to residential loan officers for filling out an application and soliciting Realtors to steer their buyers to Wells Fargo for home loans seems excessive to me. I'm not singling out Wells Fargo for criticism -- I would imagine all the banks are offering similar compensation to their residential loan staff.

Based upon this quote from the article about incentives from other Wells Fargo employees, probably not a good idea to rely on any bank employee's recommendation about good loan programs without shopping around independently on your own behalf.
:
"Thats putting more emphasis on loan officers who draw referrals from local real estate agents, home builders and even employees within their organization. The banks plan increases the incentive for referrals from other Wells Fargo employees."
Discussion Deals
Idea for a part time business
Added on : Thursday August 14th 2014 02:00:07 PM
g: 0 Posted By: atikovi
Views: 110 Replies: 1 Thought of this out of necessity as I have a small warehouse condo with a 16 foot ceiling. How would you access the ceiling lights to change the florescent bulbs or service the heater mounted on the ceiling. Its too high to safely use a ladder. Man lifts are $150 a day plus delivery so for a 10 minute job, not very economical. My idea is to buy a bucket truck for $3,000 to $4,000 and rent it out two or three days a month. There are probably 75 other units in my complex. Id charge like $75 for up to one hour, $15 each additional quarter hour. Id bring it to the location and stay there while they use it. They wouldnt drive it. Id line up 6-8 appointments all on the same day to make around $500. Expenses would be minimal. Hardly any gas expense as I would service those in my complex or those nearby, I could do most any maintenance myself. The truck itself wouldnt really depreciate as it would already be over 10 years old and I would buy it wholesale anyway. My only concern is liability. If someone falls out of the bucket, or they hit something with it causing damage to the property. Would a well worded waiver form address that? Other aspects I'm missing?
Discussion Deals
The Marvelous Pamukkale, of Turkey.
Added on : Thursday August 14th 2014 01:00:08 AM
g: 0 Posted By: edgarpowell2
Views: 34 Replies: 0 Pamukkale is situated in Turkey's Inner Aegeanregionandis one of the marvel's of this country and the world, this is the reason why this is the most visited site. This place is also included in the list of World Heritage sites by UNESCO. This place is a beauty can not described in words, it is enriched with natural as well as archaeological phenomenon. It's natural beauty and hot healing waters make it a popular spa destination for tourist, It host more than one million visitors every year. There's a calcium oxide rich healing springs and thermal water cascading down the cliffs to watch out for. There are several thermal hotels in Pamukkale and in nearby locations. Places of interest in Pamukkale are, the Travertines which are considered to be a geological phenomena. Hierapolis Archaeological Museum is also a treat to experience. There are more to catch in this wonderful place and if your are planning to have a wonderful vacation around here, trust me you won't be disappointed.
Discussion Deals
Tell me about your worst customer service story.
Added on : Wednesday August 13th 2014 04:00:09 PM
g: -4 Posted By: timgodsil
Views: 89 Replies: 2 Let's hear it
Discussion Deals
New Arrivals: Marni - Chelsea Aliseo Leather Ankle Boot
Added on : Wednesday August 13th 2014 09:01:57 AM
Chelsea Aliseo Leather Ankle Boot, part of the Runway Collection, is crafted in high shine calf leather with gold metallic accents for a glamorous touch. Featuring zip closure on instep, round toe; detail on toe and back in gilded metal, elastic side gussets, stitched welt and stacked leather sole. Made in Italy.
Update on Hamburger Helper at Walmart Rebate (Offer now expired)
Added on : Wednesday August 13th 2014 06:00:12 AM
g: 0 Posted By: yoregano
Views: 970 Replies: 2 Original thread is now archived:http://www.fullofdeals.com/forums/grocery-coupons/1358640/

I still haven't got mine. Need to followup, but there is no direct contact info on rebate form. Anyone here get their's yet?

Update: searching for info and many people still waiting. Someone heresays they called WM CS and were told the rebate is fraudulent! Seems strange to me to suggest this; the rebate form was accessible via a coupons dot com link.
Discussion Deals
Organic Cat Food: $3 off or B1G1 (USA or Canada)
Added on : Tuesday August 12th 2014 09:00:05 PM
g: 0 Posted By: Gauss44
Views: 54 Replies: 0 http://www.castorpolluxpet.com/facebook-coupons-cat
Printable Coupon Deals
Discover Card Cashback for Charitable Donations
Added on : Tuesday August 12th 2014 04:00:09 PM
g: 0 Posted By: rain74
Views: 79 Replies: 0 I have a Discover card and the 4th quarter CashBack category is "online shopping and department stores." I spoke with customer service and confirmed that charitable donations through the internet would qualify for this bonus. This is to use the credit card to make a charitable donation, which is different than applying your existing CashBack reward to a charity, which I think you can do at any time.
Discussion Deals
g: 0 Posted By: jkotharibot
Views: 72 Replies: 0 All fellow FW'ers.
I need advice on my recent experience and how to proceed or what do you think. Please be kind - Here is what happened:

1. I call them to book an urgent ticket - My dad passed away. (Prior to calling them - i called delta directly and got a price, but since I might need internal tickets to the country of travel (india), i thought of using them).
2. Agent starts with a price range(~$1600 range), while trying to book me a confirmed seat after 1 hrs of hold and wait - he comes with $3000 price tkt. I ask for bereavement fare / or something such that there is no change fee (delta was giving me this option).
3. I ask him to cancel it and suggest i am getting confirmed on delta for ~1800 range. He puts me on hold - after sometime - tells me - he is on phone with delta agent and all seats are full and not available. Gives me BS about - i should not worry abt money and get confirmed seats and i should make decision now - as the current airline is on hold and will confirm asap.
4. I confirm and pay them (he has price little north of $6k for 2 adults tkts+infant) - but then throws me a discount and charges me $6k round number.
5. Flight was for later in the night. (i called at 4 in morning PST).
6. During the day, my baby is not feeling well. I call to change the tkt by 1 day. Agents are not responding or putting me on long wait. After a long time, when i do get them and after long discussion, they say "i will be charged $2500 as cancellation fee" and after buying the new tkts - i still owe them $500 more.
7. I am given reason that airline is charging them cancellation fee. I ask if I can talk to airline and leave a note in system.
8. I call airline and explain the situation for change. They say " you tkts are flexi-fare (singapore airline) you can change as many time as you want - we dont charge". I ask agent to put note in system about this. I also find out - agent used some promo code- such that return tkt was free and they only paid for oneway, while booking. (I believe that to be the reason for such steep cancellation fee). I ask singapore agent - if they can credit money to me directly. They could not as it was booked by agent. I asked if they can credit the agent everything they way it was booked. They said yes - if agent calls.
9. I call MMYT again. Trying to talk to manager and explained the scenario. - She says best we can do is - $2500 change fee and whatever extra for the new ticket. I tell about my discussion with singapore air - she was like - doesnt matter - its within 24 hrs and we will charge you. (I was told its for inconvenience to them - "really??"). I remind her, that i had asked for bereavement fare booking - i should not be charged. No change in offer or attitude. I asked, if I could get credit for the amount - I will book myself for the new flight, since airline is not charging them and is willing to credit them the way they booked. I was told - NO.
10. So I end up booking next day flight and paying extra $500. I was not provided new invoice with details about change fee (cancellation fee or whatever they dubbed it as) - or new tkt price. Just one line Total fare is $6000 (previously paid)+$500.
11. In the meantime I had called delta 3-4 times - and was still able to get a confirmed seats with them for ~$1800 (increased during last call at 9pm) and agent said - we have lots of open seats - probably plane will fly not full. (I felt I was cheated during the first call where agent said he is on phone with delta and they dont have seats) and since they didnt want to credit back the money (when airline was ready to).
11. They book us in 2 different PNR's, as a result - we dont get seats together the whole trip (back and forth), no bassinet or meals (as requested).
12. On my way back - I logged into the airline (for mileage purpose) - and saw the invoice price for our tkts (which is now removed - once I escalated the issue for charging me change fee - not anywhere in there website). They had booked tkts for $704 per adult.
13. I sent numerous email all the time asking for invoice and price and in writting about $2500 change fee. What i was told - I didnt get in writting.
14. When I return back to US. I file dispute with Amex, on above grounds. During my followup - amex said - they agreed to credit and we are waiting to receive once we receive we will close the case. But when the resolution came - I was denied stating "merchant sent proof of my booking and travel". Here merchant shows $500 as cancellation fee.
15. I called and explain Amex again - my dispute is not tkt - its being lied about seat/price availability, poor service, charging me change fee (which is not listed as this big amount) and not giving me invoice, and overcharging (i provided amex proof of $704 paid for tkt). Agent opens case again.
16. Very next hrs - I receive email - amex made a decision - again closed and sided with merchant. I call and get this "Merchant responded saying - they will re-bill if amex favors client", so amex agreed to there side.
17. After convincing the amex agent again - I tell her that I am not happy with resolution. we agree to open the case again - but for partial amount. Basically change fee what i was told and actually charged. and fare diff (to delta at available time).

What I want to understand is: if the last dispute again comes in merchant favor, what are my options. Am I unreasonable to ask for fair pricing and not be charged such hugh change fee (which they are giving in writing as lower amount)? I had asked amex to ask them for call records to know, they lied on phone. What are my options.
They used the emotional status I was in to their benefit at max. I dont want them to walk away with this.

Thanks for all your responses in advance. Please stick to the topic, i really need advice.


Recommendation Needed Deals
Undergear: Sexy/Dirty Mens Underwear - $5 F/S
Added on : Tuesday August 12th 2014 08:00:04 AM
g: 0 Posted By: Gauss44
Views: 301 Replies: 0 http://www.undergear.com/mens-clothing-sale/?sz=all

Limited time only.
Clothing Deals
Join the FIRE Student Network and get a free FIRE t-shirt
Added on : Tuesday August 12th 2014 07:00:07 AM
g: 0 Posted By: remick
Views: 275 Replies: 0 http://www.thefire.org/student-network/register/

The FIRE Student Network (FSN) is a coalition of students and faculty members who recognize the importance of advancing civil liberties on their campuses. Signing up for the FSN is free!
As an FSN member, you will:
be mailed a free FIRE t-shirt
receive a once-a-month email update specific to students
receive invitations to exclusive educational opportunities and FIRE events
receive updates when there is a FIRE event at your college
have direct access to FIRE staff to discuss the best ways to promote student rights at your college
By organizing students and faculty, the FIRE Student Network strives to change the culture of censorship on college campuses from the inside!

You will recieve an email confirming your sign-up
Totally Free Deals
Free Kindle Book- CHEMISTRY Principles and Applications (was $59.99)
Added on : Tuesday August 12th 2014 07:00:04 AM
g: 0 Posted By: remick
Views: 686 Replies: 0 http://www.amazon.com/gp/product/B00HTWJ2OM

Length: 855 pages

The author presents this volume I of chemistry a teaching guide for instructors and students. This book gives first time students of chemistry a useful and compelling introduction to chemistry. To this end, this text book retains qualities that will be familiar to long time users.
The overall goal of this text book is to produce a book that introduces the students to the relevance and excitement of chemistry. This text book addresses the increasing close relationship among various disciplines and shows the relevance of chemistry to contemporary issues in a pedagogically approachable manner. This text book provides a format that allows the instructor to tailor the emphasis to the needs of the class. Step-by-step instructions and plenty of examples are given. This text book, in addition to chemistry majors, discusses exciting and relevant aspects of biological, environmental, and materials science in order to accommodate the needs of first-year chemistry students aspiring for biologically and medically relevant topics.
Books Deals

Amazon Coupons
Free Kindle Book- CHEMISTRY Principles and Applications(was $59.99)
Added on : Tuesday August 12th 2014 06:00:10 AM
g: 0 Posted By: remick
Views: 622 Replies: 0 http://www.amazon.com/gp/product/B00HTWJ2OM

Length: 855 pages

The author presents this volume I of chemistry a teaching guide for instructors and students. This book gives first time students of chemistry a useful and compelling introduction to chemistry. To this end, this text book retains qualities that will be familiar to long time users.
The overall goal of this text book is to produce a book that introduces the students to the relevance and excitement of chemistry. This text book addresses the increasing close relationship among various disciplines and shows the relevance of chemistry to contemporary issues in a pedagogically approachable manner. This text book provides a format that allows the instructor to tailor the emphasis to the needs of the class. Step-by-step instructions and plenty of examples are given. This text book, in addition to chemistry majors, discusses exciting and relevant aspects of biological, environmental, and materials science in order to accommodate the needs of first-year chemistry students aspiring for biologically and medically relevant topics.
Books Deals

Amazon Coupons
Free Kindle Book- CHEMISTRY (was $59.99)
Added on : Tuesday August 12th 2014 02:00:04 AM
g: 0 Posted By: remick
Views: 201 Replies: 0 http://www.amazon.com/gp/product/B00HTWJ2OM

Length: 855 pages

The author presents this volume I of chemistry a teaching guide for instructors and students. This book gives first time students of chemistry a useful and compelling introduction to chemistry. To this end, this text book retains qualities that will be familiar to long time users.
The overall goal of this text book is to produce a book that introduces the students to the relevance and excitement of chemistry. This text book addresses the increasing close relationship among various disciplines and shows the relevance of chemistry to contemporary issues in a pedagogically approachable manner. This text book provides a format that allows the instructor to tailor the emphasis to the needs of the class. Step-by-step instructions and plenty of examples are given. This text book, in addition to chemistry majors, discusses exciting and relevant aspects of biological, environmental, and materials science in order to accommodate the needs of first-year chemistry students aspiring for biologically and medically relevant topics.
Books Deals

Amazon Coupons
g: 0 Posted By: bighitter
Views: 96 Replies: 0 If you live in California and use prepaid phone service -- AB 1717 will impose a UUT tax on prepaid phone services. AB 1717 passed the Assembly. The bill will go the Senate Appropriations Committee in early August and then be voted on by the full Senate toward the end of August.

As a point of reference, UUT tax in my city is currently 6.5%. At this time I don't know whether there will be any additional taxes (911 surcharges etc) imposed above my city's UUT tax as a result of AB 1717.

Excerpts from MuniServices discussing AB 1717:

"On Wednesday, June 25th the Senate Governance and Finance Committee approved AB 1717 by a 6-0 vote with two important amendments. AB 1717 protects existing local taxes and establishes a uniform, state-wide collection mechanism for prepaid wireless services based on the point of sale for retail stores and known address for internet sales. ...Many California cities and counties impose a local UUT on the users of telecommunications services. Currently, prepaid wireless makes up 30% of the wireless market and over 50% of new wireless sales are prepaid. That trend is likely to increase. Each year, UUT public agencies are losing existing UUT as a result of more and more wireless customers switching from post-paid contracts to lower cost prepaid wireless service....Many California cities and counties impose a local utility users tax (or UUT) on the users of telecommunications services, and receive over $650 million a year in vital tax revenues. ...

"THE DIFFERENCE BETWEEN PREPAID AND POSTPAID
UUT is usually collected by the service providers from postpaid or contract customers, by including the UUT on the customers monthly invoices. However, with prepaid wireless, there is no contract and no monthly invoices, and the service is often sold by retailers to the users (e.g., WalMart, Target, etc.), rather than the service providers. Since approximately 70% of the prepaid transactions are sold by retailers, the bypass of our local UUT has become a major problem.

"COLLECTING, REMITTING, PROCESSING THE REVENUES
AB 1717 solves the collection problem by requiring California retailers to collect the local UUT at the same time that it collects the sales tax on its other retail products, based on the point of sale (whether from a store or over the internet). In some states that adopted similar legislation as AB 1717, the amount of state 911 taxes on prepaid wireless more than doubled.

"ACHIEVING ADMINISTRATIVE EASE AND EFFICIENCY
Under AB 1717, the local tax would be remitted to the BOE at the same time that the retailer remits its sales taxes to the BOE. The BOE would distribute the revenues to the locals. For administrative ease, however, the number of different UUT rates would be reduced to eight tiers, with almost no city losing more than % from its existing rate. AB 1717 could also be used as a mechanism for collecting the state 911 and CPUC surcharges."

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

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

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

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

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

Is TDBank which has the longest teller hours actually that bad where they will find a way to fee you hard or keep funds on hold?
Discussion Deals
Beware of Bitcoin CFPB
Added on : Monday August 11th 2014 11:00:08 AM
g: -2 Posted By: nsdp
Views: 143 Replies: 2 http://files.consumerfinance.gov/f/201408_cfpb_consumer-advisory...

You have now been given your Miranda warning.
Discussion Deals
Point of Sale - Advice and pointers
Added on : Sunday August 10th 2014 06:00:10 PM
g: 0 Posted By: kogerk
Views: 103 Replies: 0 I am aware that there are several small business owners on this forum. Can you please chime in your experiences with POS systems that you currently use. Currently we have a very basic (a $300 system from Office Depot) system that we are looking to upgrade.

I am looking for one in a retail store setting (C-store) with mostly basic requirements. Some features that we are looking for are charge accounts, pay outs (lottery), ability to add check cashing.

I am looking for advice on hardware aspects and also software aspects. I understand that most charge a monthly fee for support. How critical is to have this service. I am not sure what issues frequently arise.

We are reasonably comfortable in dealing with software/hardware.

Further, please provide some resources that provide honest reviews/comparisons. Most of them we encounter are promotional and we are not sure how much we can trust them.

Thanks for any input.
Discussion Deals
George Foreman Indoor/Outdoor Grill (GGR50B) - $60.99 w/ FS @ Amazon
Added on : Sunday August 10th 2014 05:00:04 PM
g: 0 Posted By: hellokitty27
Views: 350 Replies: 1 Amazon has the George Foreman Indoor/Outdoor Grill (GGR50B)for $60.99 w/ free shipping when you "Clip Coupon". According to Camel, this is the lowest price for this grill since 2012.

No-fuss grilling made easy, for use indoors or outside
Grill can be used on pedestal (stands about -1/2 feet high) or on tabletop
Uses electric heat, with adjustable range from low to high
Sloping grate base draws fat away from food to collect in easy-to-empty tray
Product Built to North American Electrical Standards

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Looking for insurance risk knowledge and Car Share ideas
Added on : Sunday August 10th 2014 04:00:07 PM
g: 0 Posted By: nyccpa
Views: 11 Replies: 0 Hi All,

I am reaching out to the FWF community to pick your knowledge and brains. I live in NYC and keep a car in a garage. A good friend of mine and I have been discussing starting a car share where he would generally have whatever access he wants to my car when I am not using/needing it. There are two issues: a) insurance concerns and b) cost structure

Car - 2007 Hyundai Santa Fee, 93k miles
My fixed expenses for the car:
$820 for insurance
100 per month for parking (after effective tax benefit)
Total = $168 monthly, $2,016 yearly

A) Insurance concerns:
My main concern around this is if an accident happens, and my insurance skyrockets (from $800 a year to 2k, 3k, and up) or I become uninsurable as a result. I have Geico - I called Geico to ask if I can add my friend to my insurance as he may be driving my car sometimes. They had no issue with it and adding him did not result in a premium increase. However, when I asked them is it easy to remove him if he no longer needs my car they seemed to have some issue with it, indicating they would need proof that he is insured elsewhere (meanwhile he doesn't have his own car...). Does this make sense to anyone? Also, are there any pitfalls that I am not thinking of here?

B) Cost Structure:
I was thinking something like a flat fee per month to have access to the car and share in the fixed costs (70-100), which would also allow some kind of estimates miles. I was worried tons of mileage could get put on if he took a ski trip or something to Vermont and put on 500-600 miles, so I was thinking there would be a charge for miles above the miles allotted for the "fixed costs miles."

I welcome any ideas/risks on the above. Am I being penny wise, pound foolish in even considering taking on this kind of risk? I also have a side business and could potentially create some kind of empoyer/employee relationship and having the business insure the car, etc... but I know nothing of this area.

Thanks in advance,
David
Discussion Deals
Best ways to make money while traveling the world
Added on : Sunday August 10th 2014 09:00:09 AM
g: 0 Posted By: eddierd
Views: 32 Replies: 0 Permanently traveling the world sounds like it could quickly drain your finances. But for Derek Earl Baron, 37, founder of wanderingearl.com, it was the most lucrative decision of his life. Hes been on the road for 5,268 days over 14 years visited 88 countries, and worked 10 different jobs.After graduating college, Baron was only planning to travel for three months before buckling down to start his career in sports management. But a week into his trip, he decided corporate life wasnt for him.In just that one week I had so many life-changing travel experiences, that [I thought] there must be so many more of those experiences out there in the world. I decided that I couldnt go back, Baron told Yahoo Finance. Determined to make a living while on the road, he was able to find money-making opportunities that allowed him to save money while seeing the world.Article Continues: http://finance.yahoo.com/news/how-i-saved--24-000-while-travelin...
Discussion Deals
Upromise sucks.
Added on : Saturday August 09th 2014 05:00:09 PM
g: -1 Posted By: timgodsil
Views: 118 Replies: 2 I was told as part of my 529 plan I could sign up for upromise, which is like ebates, but gives you CashBack to your 529 for college.

So I saw this page.


When Cash Back is deposited:*=11px
=11pxVaries. Cash Back is funded once payment is received from the contributing company, usually within 45-90 days after the Cash Back is posted.

90 days?

Is ebates any better?

Discussion Deals
MBA at a local Cal state Univ or try for a part time in a top school
Added on : Saturday August 09th 2014 05:00:09 PM
g: 0 Posted By: CAguyIP
Views: 122 Replies: 1 Greetings FWF community! My employer informed me that I was selected to do an MBA at the local CSU ( fully paid). I was actually looking to do a part time at UCLA( Anderson) full program cost 110k+..50k of it would be covered by my employer which option would you take CSU fully paid of UCLA partially paid?

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

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

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

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

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

Thanks again!



Discussion Deals
g: 3 Posted By: remick
Views: 332 Replies: 1 http://www.amazon.com/dp/B00B853VB6/
4.9 out of 5 stars (19 customer reviews)

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


Can I Be Sure I'm Saved?
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4.6 out of 5 stars (89 customer reviews)

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



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



All About Jesus: The Single Story from Matthew, Mark, Luke, & John
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4.5 out of 5 stars (134 customer reviews)

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



Who is the Holy Spirit? (Crucial Questions Series Book 13)
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4.4 out of 5 stars (150 customer reviews)

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



Five Lessons from the Carmelite Saints That Will Change Your Life
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4.6 out of 5 stars (99 customer reviews)

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



The Walk of the Spirit - The Walk of Power: The Vital Role of Praying in Tongues
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4.9 out of 5 stars (244 customer reviews)

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



Foundlings (The Peleg Chronicles, book one 1)
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4.6 out of 5 stars (103 customer reviews)

Awarded Best Book of the Year 2010-2011 from The Old Schoolhouse Magazine!
#1 Bestseller in Historical Fiction from Christian Book Distributors Spring 2011!
#1 Bestseller in Fantasy from Christian Book Distributors Summer 2012!
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g: 0 Posted By: remick
Views: 67 Replies: 0 http://www.amazon.com/gp/product/B00A7YPGNK

Visual Manual with 400+ High Quality Samples!!!

Chapters:
- Nature Inspired Home Interior Design
- Modern living room
- Teen's Room
- Kitchens
- Bathrooms



How to Create the BEST of You in Your Home
http://www.amazon.com/gp/product/B00HI4HYXM/

How to Create the Best of YOU in Your Home combines the very best of fabulous and affordable advice from the How to Make it Mine book with the more personal touches found in the How to Find YOU in Your Home book. This two book special offering is jam packed with ideas and practical directions on how to make any space YOUR space, easily, affordably and unimaginably YOU.
This book is all about YOU and how to define your space to create harmony, balance and beauty using what you have where you have!
From the beginning college student to the decorator, this book offers something useful and effective in creating you in your own home.This two year anniversary celebration offer is dedicated to all the DIY creative geniuss who routinely look at a spool and see a table; and can find perfect end tables in old wheels. Your reuse, recycle and rebuild attitude inspires the universe!
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Methodology used to calculate FICO scores changing
Added on : Thursday August 07th 2014 08:00:04 PM
g: 0 Posted By: brettdoyle
Views: 67 Replies: 0 A change in how the most widely used credit score in the U.S. is tallied will likely make it easier for tens of millions of Americans to get loans.

Fair Isaac Corp. FICO -1.19% said Thursday that it will stop including in its FICO credit-score calculations any record of a consumer failing to pay a bill if the bill has been paid or settled with a collection agency. The San Jose, Calif., company also will give less weight to unpaid medical bills that are with a collection agency.

The moves follow months of discussions with lenders and the Consumer Financial Protection Bureau aimed at boosting lending without creating more credit risk. Since the recession, many lenders have approved only the best borrowers, usually those with few or no blemishes on their credit report.

As of July, about 64.3 million consumers in the U.S. had a medical collection on their credit report, according to data from credit bureau Experian. And of the 106.5 million consumers with a collection on their report, 9.4 million had no balanceand won't be penalized under the new credit-score system.

FICO Recalibrates Its Credit Scores

Interesting... looks like lenders are running out of people to loan money to and reaching into the bottom of the barrel.

Paying off a collection may actually make sense now that it won't have an impact on your score... this may be useful for people negotiating debts in a situation where the creditor refuses to remove the tradeline.
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Does anyone here not keep a budget or balance their checkbook?
Added on : Thursday August 07th 2014 05:00:06 PM
g: 0 Posted By: timgodsil
Views: 116 Replies: 7 I feel no reason to, for two reasons..

Budgeting: doesn't make sense in my opinion, you budget $20 a month for clothing, but what if you don't spend that amount? Breaking your money into categories which you may or may not spend seems silly.

Checkbook register: I find it weird a lot of people my age (20s) still do this. I have the ability to check my balance 24/7, I live below my means, so I don't run out of money, and I log into my bank every week to see if any transactions popped up I didn't know about.

Anyone else in the same boat as me?
Discussion Deals
Signature dust bag included. French design.
New Arrivals: Jerome Dreyfuss - Franky Fabric and Leather Crossbody Bag
Added on : Thursday August 07th 2014 09:02:09 AM
Signature dust bag included. French design.
New Arrivals: Jerome Dreyfuss - Johan Petrol Blue Leather Shoulder Bag
Added on : Thursday August 07th 2014 09:02:09 AM
Signature dust bag included. French design.
Signature dust bag included. French design.
Signature dust bag included. French design.
Signature dust bag included. French design.
g: 0 Posted By: ctgolfer
Views: 177 Replies: 1 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
Ideal for natural-looking shots; excellent color balance
Measures 2.7 inches in diameter; 1-year warranty

www.ebay.com/itm/Canon-EF-50mm-F-1-8-II-Standard-Auto-Focus-Lens...
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g: 0 Posted By: yoregano
Views: 143 Replies: 0 Original thread is now archived:http://www.fullofdeals.com/forums/grocery-coupons/1358640/

I still haven't got mine. Need to followup, but there is no direct contact info on rebate form. Anyone here get their's yet?

Update: searching for info and many people still waiting. Someone here says they called WM CS and were told the rebate is fraudulent! Seems strange to me to suggest this; the rebate form was accessible via a coupons dot com link.
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You'll Be Rich in the Military - in Ways You Don't Think
Added on : Wednesday August 06th 2014 11:00:09 PM
g: 0 Posted By: rachelmark7922
Views: 79 Replies: 0 I hear "You'll never be rich being in the military" all the time, from lower enlisted to command level officers. The military perpetuates the mentality that we don't make that much money. I'd like to argue that we do make a lot, and that the military is an incredible steppingstone to the middle class.

When I got shipped off to boot camp, I was making about $400 every two weeks. I always thought to myself how much more I had made in the civilian world. But I wasn't taking into account what didn't show up in my paycheck. Here are 10 big financial benefits of serving in the military:

Training. Depending on your service and military occupational specialty, you'll get up to two years of training before reaching your first duty station. Much of this training translates straight into college credits -- and it looks great on a rsum.
Retirement. The military is one of the last employers in America to offer retirement plans. After serving a mere 20 years, service members can choose to separate with 50 percent of their base pay every month for the rest of their lives. If they're eligible, they can stay up to 30 years to receive 75 percent of their base pay, and high-grade officers can retire with 40 years to receive 100 percent.
Health care. While serving on active duty, service members and their families (spouse and children) will have free health care through Tricare so they are in the peak physical and medical condition they need for their jobs.
Dental. Dental is free for service members, because good oral hygiene is necessary to maintain a deployable status.
Commissary. The commissary is pretty much just an enormous grocery store, with better-than-WalMart (WMT) prices (most of the time). They also have enormous "lot sales" every so often where they have blowout prices of stuff you actually want.
Basic Allowance for Housing. When you're a low enlisted rank, they'll stick you in the barracks (or dorms in the Air Force). The barracks, as terrible as they may seem at the time, save you so much money it's incredible. Typically, they're in the same parking lot as your workplace, so the commute is eliminated. Utilities are included, too. And you don't need to write a check for rent and worry that you won't have enough money, because the basic allowance for housing is granted to all military members. The allowance also gives you the ability to rent a house off-base or to use base housing.
Tuition assistance. Depending on your branch of service, you could be eligible for up to $4,500 per year toward college classes. By taking full advantage of this, you could have an associates's degree in one enlistment and a bachelor's in two. And don't forget that you could earn college credit for your training through the College-Level Examination Program or Defense Activity for Non-Traditional Education Support.
The GI Bill. Typically used after separation, the GI Bill allows you to go to college at no extra cost to you. During the first year of your service, you will pay $100 per month toward the GI Bill. After that, you owe nothing. Service members can choose among two versions (the Montgomery GI Bill and the Post 9/11 GI Bill), and there is a way to get a few extra free credit hours if you switch between them in a specific way. It's also transferable to your spouse or children, although you need to serve at least four extra years after the election has been made.
Thrift Savings Plan. If a pension plan wasn't enough, military members have access to the retirement savings plan, with a traditional and Roth option. It bases allocations on stock indexes and has extremely low operating costs -- read: very, very low expense ratios.
Veterans Affairs loans. VA loans resemble Federal Housing Administration loans -- with a few awesome advantages. These include no down payment and no mortgage insurance requirement. They also usually let you have access to the best current rates available. And you maintain this benefit for life. Married to another service member? Then you each get your own VA loan to use.
Other benefits include military discounts (thank you business owners!), networking (you'll meet hundreds, if not thousands of people during your tour), experience (management and occupational), VA benefits and free simple income tax filings.

I'm not advocating that you join the military for financial reasons, but I am trying to highlight some of the financial perks that you wouldn't see in your paycheck.
Discussion Deals
Wenzel Stow-N-Go Air Mattress $29.99$39.99 @ Woot + $10 off
Added on : Wednesday August 06th 2014 11:00:06 PM
g: 0 Posted By: ctgolfer
Views: 184 Replies: 0 shipping adds $5

use promo code: TENOFFWOOT1

Soft touch flocked top holds bedding in place
Powerful 4D battery pump for effortless inflation and deflation
Stow-n-go carry bag included
Indoor and outdoor use
Standard coil construction for extra support
Extra thick 9 inch gusset
Repair kit included


Your Choice:

Twin
Price: $29.99

Queen
Price: $39.99
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g: 0 Posted By: Xenocrates
Views: 106 Replies: 0 QNIX (QX2710) LED Evolution II Multi TRUE10 SE 27" 2560x1440 Overclockable Monitor- $269.99 FS @ eBay

Note: There is some discussion out ther claiming that this version of the QNIX monitor that has both HDMI and DVI-D doesnt actually overclock without problems. If overclokcing is your main concern then this is probably not the deal for you.

27" (2560 x 1440 - QHD) LED Backlit LCD Display

Matte Finish Screen
60Hz
4ms Response Time (Newegg lists 8ms)
1000:1 Contrast Ratio
350 cd/m2 Brightness (Newegg lists 300cd/m2)
1 HDMI and 1 DVI-D Input
1 Year Warranty

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g: 0 Posted By: DaysFan
Views: 88 Replies: 0 The Childrens Festival of the Arts
Date/Time
Date(s) - 08/10/2014
12:00 pm - 4:30 pm

Location
Paramount Pictures Studio
5555 Melrose Ave.
Los Angeles, CA

,Free
http://www.hollywoodartscouncil.org

noon-4:30 p.m.
Paramount Pictures,
5555 Melrose Ave.,
L.A. , CA

For the 29th year, the Hollywood Arts Council stages this special (and free) day where kids can experience the arts.

There will be an assortment of workshops led by professional artists where kids can create their own art pieces.

The event will include scheduled appearances from actors like McKenna Grace, Victoria Grace, Xolo Mariduea and Mavrick Moreno and there will also be face painters, strolling costumed characters (including Bugs Bunny from Six Flags Magic Mountain) and performances by the Lyte Dance Studio, Cleary Irish Dance, Gevorkian Dance Academy, The Amazing Dave (Magician Dave DeVito), Thai Performance Group, Plaza de la Raza Folklorico and The Stunt Kids of Hollywood. (LA)HOLLYWOOD ARTS COUNCIL TO PRESENT
29TH ANNUAL FREE CHILDRENS FESTIVAL OF THE ARTS
SUNDAY, AUGUST 10TH AT PARAMOUNT PICTURESMedia Contact: Steve Moyer Public Relations @ 818.784.7027 moyerpr@earthlink.netFREE One-Day Only Festival on Sunday, August 10, 2014 from 12 Noon 4:30 p.m.Will Feature Live Performances of Dance & Music From Around The World,
Celebrities, Family Art Workshops, Face Painting and Puppet Making and more!
=mediumHOLLYWOOD, CA (July 15, 2014) The Hollywood Arts Council (HAC) will present their family fun-filled FREE 29th Annual Childrens Festival of the Arts on Sunday, August 10, 2014 from 12-Noon to 4:30 p.m. at Paramount Pictures, 5555 Melrose Avenue in Hollywood, CA 90038. Casey McCabe, on-air talent for AMP Radio 97.1 FM will serve as the Event Emcee.

The Childrens Festival is a celebration of the arts and culture in Hollywood. Festivities will include performances featuring a variety of music, dance and entertainment from around the world for all ages. An assortment of art workshops led by professional artists will provide children with the opportunity to create their own art pieces as souvenirs. The event will include the appearances of child film and television celebrities, face painters and strolling costumed characters, including Bugs Bunny from Six Flags Magic Mountain and The Amazing Dave (Magician Dave DeVito). This wonderful non-commercialevent has become a family tradition, according to HAC executive director Shauna McClure. People whose parents brought them to the festival in the past are now bringing their own kids.=mediumThe Festival is partially funded by the City of Los Angeles Department of Cultural Affairs, along with generosity of other sponsors including: Paramount Pictures, Los Angeles County Arts Commission, Childrens Hospital of Los Angeles, Zimmer Childrens Museum, Hollywood Hotel, Hollywood Hills West Neighborhood Council, AMP Radio 97.1 FM, Hollywood Studio District Neighborhood Council, East Hollywood Neighborhood Council, Barnsdall Arts, Councilmember Mitch OFarrell, representing Los Angeles City Council District 13 and Councilmember Tom LaBonge, representing Los Angeles City Council District 4. Community Participants include Sweet! Hollywood and Page Private School.

Food and drinks will be available for sale at the event. Enter at Bronson Gate, where there will be ample free parking on site. For more information, call 323-871-2787 or visit online at www.hollywoodartscouncil.org. The Hollywood Arts Council can also be reached at www.facebook.com/HwArtsCouncil and on Twitter at @Hwartscouncil.The schedule of Performers will include: 12:15 12:45 p.m.: Lyte Dance Studio; 1:00 1:30 p.m.: Cleary Irish Dance; 1:45 2:15 p.m.: Gevorkian Dance Academy; 2:30 3:00 p.m.: The Amazing Dave (Magician Dave DeVito); 3:15 3:45 p.m.: Thai Performance Group; and 4:00 4:30 p.m. and Plaza de la Raza Folklorico. In addition, The Stunt Kids of Hollywood will perform from 1:00 1:30 p.m. The performance schedule is subject to change and revision.Workshop Artists at this years Festival will include: 12-Noon 2:00 p.m.: Australian Aboriginal Dot Painting (Patty Sue Jones) and Beaded Bracelets (Imani Afi); 12-Noon 4:00 p.m.: Puppet Making (Iris Strauss); 12:15 2:15 p.m.: Wind Chimes (Quan Yen Trang); 1:00 3:00 p.m.: Artist Trading Cards (Howard Marshall) and Handcrafted Musical Instruments by Big Brazos World Village (Rachel Day); 2:00 4:00 p.m.: Mask Making (Ana Miro of Zimmer Childrens Museum) and Wizard and Fairy Wands (Nicola Vruwink) and 2:30 4:30 p.m.: Calypso Shakers (Gayle Gale). The workshop schedule is subject to change and revision.Confirmed child film and television celebrities who will sign autographs and hang out with their fans from 12:30 1:30 p.m. in the lobby of the Paramount Theatre in front a Hollywood Arts Councils Step and Repeat banner On The Red Carpet will include: McKenna Grace (Goodbye World; The Young and the Restless; The Bridge); Victoria Grace (Ronin; Tracks; A Matter of Choice); Xolo Mariduea (Imagen Award-nominated actor, Parenthood; Major Crimes); Mavrick Moreno (Every Witch Way; Parental Guidance); Ashley Romeo (The Lesson; Girl of my Dreams); Kendall Ryan Sanders (Every Witch Way; The Odd Life of Timothy Green; Criminal Minds); Paris Smith (Imagen Award-nominated actress, Every Witch Way; Modern Family), Justin Tinucci (Standing Up; Trophy Wife; iCarly) and Elias Washington (Hope For Love; Real Husbands of Hollywood). Additional child celebrities will soon be announced.
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g: 0 Posted By: DaysFan
Views: 150 Replies: 0 2014 Natsumatsuri Family FestivalFREE ALL DAY!
Saturday, August 9, 2014
11 a.m.5 p.m
.http://www.janm.org/events/2014/natsumatsuri/Los Angeles | Aug. 9
The Japanese American National Museum hosts its annual Natsumatsuri Family Festival, a summer celebration including origami workshops, a karaoke contest, taiko drumming and more family fun.JAPANESE AMERICAN NATIONAL MUSEUM
100 N Central Avenue
Los Angeles, California 90012
phone: 213.625.0414
toll-free: 800.461.5266
fax: 213.625.1770
http://www.janm.org/

Join us for Natsumatsuri, our annual summer celebration featuring traditional Japanese and Japanese American performances, crafts, and activities.ALL DAY ACTIVITIES

Omikuji
What does your future hold? Find out through omikuji, a Japanese fortune-telling method.
Natsumatsuri Photo Booth
Don a traditional happi coat and get your picture taken against a fireworks-filled sky, a common sight during Japanese summer festivals. (One print per family. A Members Express Line will be available for JANM members.)
Paper Lanterns
Create your own string of paper lanterns, a popular festival decoration.
Baseball Buttons
Design your own baseball button to show off your team spirit and celebrate our exhibition Dodgers: Brotherhood of the Game.
Paper Hats
Make a colorful paper hat to wear while you enjoy Natsumatsuri!
Ruthies Origami Corner
Make a festive origami kimono with Ruthie.
Face Painting
Get in the spirit of our exhibition Perseverance: Japanese Tattoo Tradition in a Modern World and have your face painted by Party Face Magic. (For children only. Line ends at 4:30 p.m. A Members Express Line will be available for JANM members.)
Toddler Room
A fun place for our youngest guests to hang out (with an adult who brought them).
Scavenger Hunt
Follow the clues and look for special items throughout the museum to win a prize! (While supplies last.)

SCHEDULED ACTIVITIES
11 a.m.1 p.m.3 p.m. Screenings of 42
Enjoy screenings of the film 42 (2013, rated PG-13), which documents Jackie Robinsons life story and his inspirational legacy with the Brooklyn Dodgers. 11:30 a.m.12:30 p.m. Taiko Demonstrations
Learn taiko drumming! JANM docent Hal Keimi will give a basic lesson in the exciting Japanese art of taiko. 1 p.m. Obon History & Traditions
What is obon? Rinban Bill Briones of Los Angeles Hompa Hongwanji Buddhist Temple will discuss the obon festival, which honors and celebrates the spirits of ancestors, and what his temple does to prepare for obon season. 1 p.m.2 p.m. Perseverance Artists Collaborative Art Piece
The UGLARworks arts collectivecomposed of Perseverance: Japanese Tattoo Tradition in a Modern World artists Chris Horishiki Brand, Espi, and Evan Skrederstuhave been making acclaimed murals throughout Los Angeles since the early 2000s. The group will be on site to collaboratively create a new art piece at JANM. 1:30 p.m. Common Ground Tour
Discover Japanese American history and culture with a tour of JANMs core exhibition Common Ground: The Heart of Community led by experienced docents. 1:30 p.m. Bon Odori
Celebrate summer with a bon odori (traditional dance) led by Los Angeles Hompa Hongwanji Buddhist Temple. 2:30 p.m. Karaoke Competition
Sing your heart out in our karaoke competition! Prizes will be awarded to winners. Up to 15 contestants; registration opens at the beginning of the festival and is first come, first served.Karaoke Competition Rules2 categories:12 and up11 and under


The first 15 contestants to sign up for either age category will complete. They must select a song by 2:15 p.m., competition will begin at 2:30 p.m.Performers will be judged on three criteria, earning up to 90 points total. The performers from each age group with the highest total points win.Criteria for judging:A. Song execution: How well was the song executed? Were the correct notes hit? Was timing good? Were words sung clearly? (30 points)B. Stage Presence: How confident did the singer appear? Did he/she engage the audience and judges? Did he/she command attention? (30 points)C. Audience/Judge Response: Was the performance well received in terms of applause and other types of approval? Did the performer make a lasting impression? (30 points)


Judges: Gina Hiraizumi, Denise Iketani, and Randy Guiaya, all friends of the Little Tokyo community with experience in the entertainment industry. 3 p.m.4 p.m. Hello Kitty
Hello Kitty, the subject of a major exhibition opening at JANM in October,will be onsite for photos. 4 p.m. East LA Taiko Performance with Lysa Flores
Enjoy a unique blend of Latin rhythms and taiko drumming with an energetic performance by East LA Taiko with Lysa Flores. Before the performance, JANM will screen an excerpt from Maceo: Demon Drummer of East LA, the award-winning film about East LA Taikos leader Maceo Hernandez. The film was produced and directed by John Esaki, Director of JANMs Frank H. Watase Media Arts Center.

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GEVALIA $21 = 5 boxes of coffee and a mug
Added on : Wednesday August 06th 2014 05:00:04 PM
g: 0 Posted By: Gauss44
Views: 217 Replies: 0 http://www.gevalia.com/BMKAL/BMKAL,default,sc.html?

promo code BMKAL
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g: 0 Posted By: VegasVegan
Views: 156 Replies: 0 RK9100 Rockwell Jawhorse Welding Station Accessory
$50 free shipping from Rockwell Tools via eBay

LINK

Thick aluminum jaws hold the main piece, while the fully adjustable holding arm positions the second piece at any angle desired for welding. Cast aluminum primary jaws for maximum conductivity. Extra deep V-groove holds pipes securely. Front and rear ground lead bosses insure perfect, no-fuss connection. Primary (aluminum jaw) clamping capacity: 0-16". Secondary (c-clamp) capacity: 3-1/2".

Accessory to the Rockwell Jawhorse
Rockwell Jawhorse sold separately
Helps hold items while welding them together
Thick aluminum jaws
Fully adjustable holding arm

Also comes in handy as a "3rd Hand" on other projects besides welding
Runs $70 - $80 at most other retailers
4.5 / 5 Stars on Amazon





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Paradise Beach Club Vacations screwed me at the last minute
Added on : Wednesday August 06th 2014 10:00:08 AM
g: 0 Posted By: jonle
Views: 69 Replies: 0 On Dec 3rd, 2013 I booked a 2 bedroom condo at Wyndham Waikiki Beach Walk via VBRO - Paradise Beach Club Vacations. I paid $1895 for rental from 8/12-8/19 2014.
On 7/27 I received an email fromPBCV with topic "Regarding prior notices - 3rd and final email" with the below content:
On Sun, Jul 27, 2014 at 7:57 AM, vrbo 332900<vrbo332900@gmail.com>wrote:
Dear Guest, This is our final notice to you regarding your reservation. We have sent you 2 attempts to contact you regarding your reservation.We are advising all our guests that due to circumstances beyond our control that have just recently arisen. We are not able to provide to you the accommodations that you have reserved in Hawaii. We sincerely apologize, however we can provide you California, Florida and or Mexico. We realize that this could be a inconvenience to you. For some of you this may be coming at a late date. . We will be sending within the next 30 days a refund voucher that you will be able to use with available dates for these locations for your future travel.Obviously if Hawaii is your only destination then you do have the choice of cancelling this reservation through your credit card company. (please contact them directly if this is your choice )Please contact us by email if you would like to rebook for one of the above listed locations.Again our sincere apologiesThank youCustomer Service Department

I have been calling and emailing demanding a full refund but PBCV insist on issuing me a voucher which expire in 1 year.
What can I do to get full refund? I had a contract signed with PBCV to book the 2 bedrooms.

Below are the corresponding emails:
Dear Jon
As the email states there was a issue, but we have sent everyone notices. Please let me know
as to a location that we can plan a future date for. Again we can rebook you for one of the locations listed in the prior emails
Jeff
Customer service

Dear Jon, I understand you just called I tried to pick up the line but lost you. From what I understood you have not received or understand instructions regarding your reservation. As it states in the prior email as well as notices sent. That if Hawaii is your only destination and you are choosing not to accept the refund voucher for accommodations. We would like to accommodate you in one of our places that were offered. We do not understand as why you are responding at such a late dates as this was the 3rd notice for refund. As it stated in the original reservation on of the terms that was stated is to buy trip insurance, if you did please contact your instance company. Or please alert me to a destination as per the email that was sent to you for a future location and date.
Please respond by email.
Thank you Jeff

http://www.tripadvisor.com/ShowTopic-g60982-i38-k7171324-Paradis...

Jeff,
Had I received any of the prior notices, I would've acted right away
like right now with this serious matter. How can anyone overlook at
such issue when my vacation had been ruined before it even started?
I really need the money credit back to me, because I can't make
payment on my credit card with this new balance. I had to frantically
booked for 2 rooms at an outrageous price with such short notice and
peek season. That's why we planned ahead and booked ahead back in Dec
'13.
Also, my family does not take a vacation every year, we can only
afford every other year to travel far.
Please understand my situation, your company had held on to my payment
for the last 8 months and had not delivered based on the contract.

Regards,

Jon Le





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New Arrivals: Versace - New Icon Patent Leather Microvanitas Bag
Added on : Wednesday August 06th 2014 09:02:04 AM
New Icon Patent Leather Microvanitas Bag is crafted in quilted patent leather with stitched matte leather trim and accents that make this classic handbag a timeless sophisticated addition for every day. Featuring top rolled handles, detachable shoulder strap, gusset sides, two open compartments and one zipped one, a zipped internal pouch, snap-fastening strap closure with signature Medusa plaque and gold-tone hardware Made in Italy. Signature dust bag included.
Kraft Foods not happy with coupon stacking
Added on : Wednesday August 06th 2014 09:00:12 AM
g: 1 Posted By: PutThatCoffeeDOWN
Views: 145 Replies: 0 http://www.foodnavigator-usa.com/Manufacturers/Food-industry-is-caught-up-in-a-promotional-trap-Kraft-CEO


Meanwhile, bosses needed to keep a closer eye on online trade spending, he added: The most important dynamic in couponing today is the stacking thats going on enabled by the internet. And really all of us are working through what is an incredible change and how consumers are able to process the coupon and stack them up and if were not careful the consumer is getting a discount thats more than they need."
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g: 0 Posted By: remick
Views: 68 Replies: 0 http://www.amazon.com/gp/product/B00C4CF03E/

4.4 out of 5 stars (22 customer reviews)

Understanding DSLR Lenses will painlessly provide help and insight into the often confusing and intimidating world of DSLR Camera Lenses. The ability to change lenses is one of the greatest strengths of the DSLR camera but Lens Selection requires some insight. If you get serious about photography, you will spend much more money on Lenses than Cameras. The good news is that Lenses retain their value over decades and can often be used on with each new camera release. Some Lenses designed for film cameras can still be used on their digital counterparts. A wise Lens purchase will dramatically improve the quality of your images.

Digital Cameras dont have to be intimidating. The underlying principles are surprisingly simple but rarely presented in laymans terms. Like any other area of specialization, photography has its own language. Fortunately, you only need to understand a few of terms and concepts to get started.

This guide to PHOTOGRAPHY BASICS builds a solid foundation of photographic knowledge with easy-to-follow discussions of everything that you need to know in order to get started with confidence. Every photographic term used in the book is clearly defined and thoroughly explained. All terms are also highlighted by using BOLD CAPS so that you can easily find them again to refresh your memory.

This Photographic Guide will take the mystery out of digital cameras, camera choices, and Photographic Jargon.

This book is filled with charts, illustrations and photos that take the discussion to new levels. You will not only understand the terminology and techniques discussed, but you will have a much better understanding of how your camera works and what is actually happening when you make adjustments. The charts and photos should help you to retain what you learn and put it to good use immediately.
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Single vs. Dual vs. Multiple Entry Visa
Added on : Tuesday August 05th 2014 06:00:05 PM
g: 0 Posted By: fr
Views: 35 Replies: 0 If they are all the same cost, is there any reason not to apply for a multiple-entry visa? Is it harder to get one of those for some countries? Why would I just limit myself to one entry for the same price?
Discussion Deals
g: 0 Posted By: DizzyT71
Views: 224 Replies: 0 Kmart is offeringCanvas Shoes for the Family: Buy One Pair, Get One for $1.00with free store pickup.


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Kashi Rebate/Class Action Settlement
Added on : Tuesday August 05th 2014 06:00:07 AM
g: 1 Posted By: StillCouponing
Views: 115 Replies: 0 Kashi recently settled a class action lawsuit over certain Kashi products that were marketed and sold as All Natural or Nothing Artificial but contained allegedly synthetic ingredients. There were about 100 different foods at issue, including protein bars, granola bars, waffles, cereal, granola, oatmeal, crackers, cookies, microwavable dinners, pizza, pasta, etc.

If you are a California resident and purchased any of these foods between August 24, 2007 and May 1, 2014, you could receive payment for anything that you purchased up to $25.00, even if you dont have a receipt. You might be able to claim more if you actually have receipts though.

For more details, see the Kashi settlement website here: http://www.naturalclasssettlement.com/. It explains more about the case and how to claim a refund. THE DEADLINE IS MONDAY, AUGUST 25, 2014.
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g: 1 Posted By: DaysFan
Views: 196 Replies: 2 http://www.qvc.com/LG Tracfone Prepaid Cell Phone w/ 1500 Minutes & Protection PlanRetail Value: $249.99QVC Price: $88.00Today's Special Value Price:$71.97Good until August 6, 2014 2:59 a.m. ETFree ShippingLooking for the convenience of a mobile phone without the hassle of a monthly plan? Set yourself free from contracts and enjoy calls, text, email, and the Web with the LG306G prepaid TracFone.

Why deal with the fuss of fees, monthly bills, and replacement costs? The LG306G offers everything you want and need in a phone--like built-in Wi-Fi for Internet and email--but without a contract to tie you down. And of course, you can call, text, and send pictures, too--in fact, a 1,000-contact phone book makes it easy to store those important names and numbers.

The included accessories let you get even more out of your TracFone. A phone cover in your choice of colors keeps the LG306G protected while showing off your personality. The car charger keeps you powered up during road trips, so you'll never be out of reach.

And don't forget the 1,500 minutes/one year of service that's included--once you're set up, you've got plenty of minutes to use right away for talking, texting, and data. Triple minutes for life lets you get more mileage out of all future TracFone minutes you purchase. Plus, you also get the Wireless 4 Life replacement plan which means you can replace your phone if it is lost, stolen, or damaged--and you will always have the LG306 or a comparable phone.

From LG.

Your phone must be activated within 60 days from the order date in order to redeem the promotional minutes.

Wireless capability may require a network connection, accessories, and/or a service fee. Use of Bluetooth technology may require software and accessories.

Please consult the manufacturer's documentation regarding the safe and proper use, handling, storage, charging, and disposal of products containing lithium-ion batteries.

Includes LG306G TracFone with pre-installed 4GB microSD card, AC adapter, car charger, phone cover, Wireless 4 Life premium protection plan, and 1,500 minutes for one year
Compatible with GSM 3G networks
TracFone operating system
3.2" diagonal capacitive touchscreen display with 240x320 resolution
256MB internal memory
802.11b/g Wi-Fi
Bluetooth 2.1+EDR wireless technology
2 megapixel rear-facing camera with video recording, 1600x1200 resolution, continuous shot, night mode
Supports many audio, video, and image files
Limited Web browser
Email
Text, picture, video, and voice messaging
TracFone game and app store; not compatible with Android apps
Preloaded tools: 1,000-contact phone book, alarm clock, calendar, notepad, tasks, calculator, tip calculator, stopwatch, and unit converter
1,500 mAh battery
microSD memory card reader
Micro USB port
Measures approximately 4"L x 2-1/2"W x 3/8"D; weighs 3.72 oz
Cannot ship to Guam, PR, VI, P.O. Boxes
CSA listed adapter; 1-year LMW
Imported

Easy Pay! 3 Installments of $23.99, plus Tax.See Easy Pay details
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Article: P&G to sell up to 100 brands to revive sales, cut costs
Added on : Monday August 04th 2014 09:00:10 AM
g: 0 Posted By: PutThatCoffeeDOWN
Views: 78 Replies: 0 Link
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g: 0 Posted By: Deals4mykids
Views: 66 Replies: 0 Ten tales of mundane science fiction, of a universe askew, where things are slightly off.

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

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

He's been, at various times, a cottonpicker, a sod buster, a surgical orderly, the guy who paints the little white line down the middle of the road, a weatherman, and a gun-totin' door-kickin' lawman. He's married over 35 years now (yep, same woman), and has a wildman bass guitarist for a son.
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g: 6 Posted By: MoogLiberation
Views: 1260 Replies: 48 I'm in a unique situation and wanted to get your advice on what I should be doing financially. I have my own ideas but I'll keep that to myself right now because I want to hear your unbiased suggestions. I'm 30 years old and was diagnosed with an inoperable brain tumor in November. I haven't been given any kind of definitive prognosis, but for those that don't know, there isn't a cure for brain cancer and I've been told a pretty wide range in regards to prognosis that ranges anywhere from a few years up to 30 years (thankfully my biopsy results showed that it is very slow growing, so there is some hope). Anyways, here's a few other details about me: I live (rent) in NYC so the cost of living is pretty high. I'm on a commission based salary so it's hard to give an exact figure, but let's say I'm making about $120k/year. I got married last year and don't currently have any kids although they are in the near term plans. Also, I didn't have a life insurance policy before aside from the one I have through my work that is only equal to 1X my salary. There is an option to ramp that up as high as 8X my salary, but I couldn't do that until open enrollment in the fall and I don't even know if I would be able to do that now given my diagnosis. I'd love to hear of any other ideas you may have regarding life insurance though.

Some specifics about my financial situation:

$60k cash in savings
$0 credit card balance
$7,400 federal student loans at 2.1%. Yeah, that's not a typo. I'm currently just paying the minimum on the balance and just plan on riding it out.
$20k in Roth IRA invested in S&P500 ETF.
$60k in 401k. I just changed this recently to be about 70% invested in short duration taxable bonds, and 30% in an S&P500 ETF.

So what would you guys be doing if you were me? The old me pre-brain cancer would have had at least $50k of that $60k cash that's in my savings account invested in something like an S&P500 ETF but I'm hesitant to do anything that has that kind of risk associated with it now. Please let me know if any other details would help. I think I covered it all.

I'd be grateful for any and all ideas. Thanks guys.

Edit: A few more details:

I was already on short-disability for 3 months while I was receiving and recovering from radiation and chemo. Surprisingly, I was very responsible and elected to pay for the extra long-term disability insurance which pay 60% of my salary.

I have pretty good private health insurance with an out of pocket maximum of $1,650 that I literally hit on January 2nd because I was receiving radiation and chemo at the time. I maxed out my FSA at $2,500 for the year as well.

I have no idea what kind of benefits I would be entitled to through SSA/SSI. Does anyone know how I can figure that out?
Discussion Deals
g: 0 Posted By: MoogLiberation
Views: 127 Replies: 6 I'm in a unique situation and wanted to get your advice on what I should be doing financially. I have my own ideas but I'll keep that to myself right now because I want to hear your unbiased suggestions. I'm 30 years old and was diagnosed with an inoperable brain tumor in November. I haven't been given any kind of definitive prognosis, but for those that don't know, there isn't a cure for brain cancer and I've been told a pretty wide range in regards to prognosis that ranges anywhere from a few years up to 30 years (thankfully my biopsy results showed that it is very slow growing, so there is some hope). Anyways, here's a few other details about me: I live (rent) in NYC so the cost of living is pretty high. I'm on a commission based salary so it's hard to give an exact figure, but let's say I'm making about $120k/year. I got married last year and don't currently have any kids although they are in the near term plans. Also, I didn't have a life insurance policy before aside from the one I have through my work that is only equal to 1X my salary. There is an option to ramp that up as high as 8X my salary, but I couldn't do that until open enrollment in the fall and I don't even know if I would be able to do that now given my diagnosis. I'd love to hear of any other ideas you may have regarding life insurance though.

Some specifics about my financial situation:

$60k cash in savings
$0 credit card balance
$7,400 federal student loans at 2.1%. Yeah, that's not a typo. I'm currently just paying the minimum on the balance and just plan on riding it out.
$20k in Roth IRA invested in S&P500 ETF.
$60k in 401k. I just changed this recently to be about 70% invested in short duration taxable bonds, and 30% in an S&P500 ETF.

So what would you guys be doing if you were me? The old me pre-brain cancer would have had at least $50k of that $60k cash that's in my savings account invested in something like an S&P500 ETF but I'm hesitant to do anything that has that kind of risk associated with it now. Please let me know if any other details would help. I think I covered it all.

I'd be grateful for any and all ideas. Thanks guys.
Discussion Deals
Accepted into AppAcademy - Web/Software Development
Added on : Saturday August 02nd 2014 10:00:12 PM
g: 0 Posted By: topic
Views: 42 Replies: 0 Recently while working my job as a rideshare driver, a passenger mentioned to me a program in SF called AppAcademy which is a 12 week intensive course focused on teaching Ruby on Rails, JS, and full stack web development. I quickly learned other programs such as HackReactor and Dev Bootcamp charge upwards of $10,000+ for tuition. AppAcademy differs by charging 18% of first year's salary upon job placement. I applied, took several coding challenges, and was accepted for the October class.

Some background, I took an introductory CS course at Berkeley my last semester and learned basic python. Going through the homeworks, labs, and projects of that course certainly helped.From my other thread, http://www.fullofdeals.com/forums/finance/1270609/, I returned and graduated as quickly as possible.

From here, what's the best way to maximize my time before and during the program in order to become a junior developer?


Discussion Deals
Best way to move funds out of the USA?
Added on : Saturday August 02nd 2014 09:00:08 PM
g: 0 Posted By: deeder
Views: 63 Replies: 1 Looking to move out all my funds from the USA and move elsewhere. Possible candidates include Israel, Cayman Islands, and others. What happens depends on future circumstances as to which nation but I am leaving the USA and will not be coming back due to a horrific experience here, somewhere I can have a much better quality of life and a much better class of people and be outside the USA proper.

Thanks.


Discussion Deals
'Summer Job? Time to Start a Roth I.R.A.' (NYT)
Added on : Saturday August 02nd 2014 04:00:04 AM
g: 0 Posted By: tuphat
Views: 24 Replies: 0 No rocket science, but useful backup for those of us who encourage young people to set up Roth IRAs, for summer jobs, etc., esp. where parents can help max out the contribution.

Also: Interesting discussion at end of article about college financial aid and student-owned retirement accounts.

http://nyti.ms/1qCArAA
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Highlander (Director's Cut) (Blu-ray) (Widescreen) $5 @ Walmart
Added on : Friday August 01st 2014 09:00:06 PM
g: 0 Posted By: ctgolfer
Views: 174 Replies: 0 Christopher Lambert and Sean Connery star in the epic tale of immortality that launched one of the most beloved action-adventure series in film and TV history. After Scottish clansman Connor MacLeod (Lambert) discovers his true identity as a member of a legion of immortals, he embarks on a legendary journey spanning continents and centuries, eventually landing in modern-day New York City. Connor faces his ultimate test when other immortals begin to appear in the city, leading to a titanic showdown where only one can claim victory. Directed by Russell Mulcahy and featuring a soundtrack by Queen, this is the modern classic that has attracted millions of warrior fans worldwide. This is "Highlander".

Audio Commentary, Deleted Scenes.

Languages: English, French and Spanish, Subtitles: English SDH, French and Spanish.

www.walmart.com/ip/14977810
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g: 0 Posted By: alamo11
Views: 0 Replies: 0 I know it's Fox but..

This is how unethical servicers make money!


One of the country's largest overseers of troubled home loans, Nationstar Mortgage Holdings Inc., is quietly trying to sell a $100 million insurance agency that doesn't appear to exist.Harwood Service Co. has no website, no independent offices and only a single registered agent. The switchboard operators at Nationstar's headquarters in Lewisville, Texas, haven't heard of Harwood. Call-center employees of Assurant Inc., the insurance carrier whose policies Harwood sells, say the company is just a name used to refer Nationstar business.Only one thing justifies Harwood's nine-figure price tag: The ethereal company has long collected commissions on high-priced insurance that Nationstar compels otherwise-uninsured homeowners to buy. If homeowners can't pay for this "force-placed" coverage, Nationstar forecloses on their homes and sends the bill to mortgage bond investors.New rules by the Federal Housing Finance Agency, investigations by state regulators and class-action settlements now prohibit servicers from collecting commissions on such insurance policies, and the country's biggest brand-name banks have renounced the practice.But some large subprime-mortgage servicers appear to be trying to skirt those rules. They are selling or have sold the nearly nonexistent insurance agencies or have already made profitable business arrangements to try to comply with the new rules.The multimillion-dollar deals illustrate how regulators are still wrestling with messy banking practices more than six years after the housing market's collapse. They also mean that newly sold insurance subsidiaries have an incentive to compel struggling homeowners to buy costly policies, to justify the high sales prices commanded when the insurance agencies were sold.Harwood collected more than $40 million last year on more than $200 million worth of insurance billed to homeowners, according to two people familiar with Nationstar's confidential sales pitch for the business but who spoke on condition of anonymity because they were not authorized to discuss it.Force-placed insurance is a type of backup property insurance meant to protect mortgage investors' stake in uninsured properties. Standard mortgages require borrowers to maintain homeowners insurance and authorize the loan's servicer to buy coverage when borrowers don't. If the borrowers don't pay for the new insurance, servicers foreclose on their properties and stick the bill to mortgage investors.Nationstar's first attempt to sell its affiliated insurance agency fell through early this month after The Associated Press raised questions about the deal, prompting New York's Department of Financial Services to take a look. Nationstar is still seeking to sell the insurance agency, said one person who is familiar with its efforts and requested anonymity to discuss its business affairs without authorization to do so publicly.Nationstar declined to discuss details of Harwood's business.In court, however, Nationstar has opted not to fight to defend its arrangements. Earlier this month, Nationstar and Assurant Inc. reached a deal to settle a class-action lawsuit in the U.S. District Court for the Southern District of Florida that alleged Harwood existed solely to "funnel profits" to Nationstar at borrowers' expense.It's unclear how or whether the Federal Housing Finance Agency, the industry's principal U.S. regulatory agency in Washington, will respond to such sales. In a statement, it expressed concern about the deals. But it said it could not stop servicers from selling their insurance agencies, even as it said it would work with Fannie Mae and Freddie Mac if the companies were circumventing the new rules.The nation's third-largest servicing company, Walter Investment Management Corp., disclosed in its Securities and Exchange Commission filings that rules banning commissions will cost it roughly $20 million a year and said it was "actively looking at alternatives" to giving up the cash. A spokeswoman, Whitney Finch, declined to explain further but said the company would comply with all rules and regulations.Another company, Carrington Mortgage Services LLC of Santa Ana, California, didn't sell its insurance agency. It just agreed to let someone else collect the profits.In an Irish bond prospectus filed last year, Carrington's parent company disclosed that a buyer had paid it $21.25 million in late 2012. If Carrington doesn't send back at least that amount to the agency's buyer in commissions, it will have to give back some of the money it received.Carrington executives denied that its obligation to deliver $21.25 million of commissions would in any way affect homeowners or mortgage investors, and noted that it is not subject to the finance agency rules because it services loans owned by private investors. In its Irish prospectus, however, Carrington warned that some regulators believe the commissions "may constitute an improper 'kickback'," and added: "Should any regulator decide to take action, we may be forced to pay restitution."

http://www.foxbusiness.com/markets/2014/08/01/some-subprime-mort...
Sephora Favorites Summer Crushes Kit $45.95 Shipped @ Sephora
Added on : Friday August 01st 2014 04:00:08 PM
g: 0 Posted By: DizzyT71
Views: 184 Replies: 0 Sephora is offering their Favorites Summer Crushes Kiton sale for $40.00 + 5.95 shipping = $45.95.

Compare at Amazonfor $73.49.

What it is:
An 11-piece kit with all the essential summer products for face, body, hair, and lips in a chic travel bag.

What it does:
Play with products from Sephoras top brands to tan, style, protect, soothe, scent, and relax this summer. This comprehensive collection of summer products gives nourishment to the skin, hair, lips, and body and provides all you need for a bountiful, beautiful summer. The original beach bag fits all the products so they can be carried in style wherever summer may take you.


This Set Contains:

0.5 oz Caudalie Divine Oil
0.84 oz Vita Liberata pHenomenal 2-3 Week Tan Mousse in Medium
Mini tanning mitt
1.7 oz Bumble and Bumble Surf Spray
0.13 oz Lavanila The Healthy Fragrance in Vanilla Coconut
1 oz Living Proof Restore Mask Treatment
1 oz Shaveworks The Cool Fix
0.1 oz Jack Black Intense Therapy Lip Balm SPF 25 in Shea Butter & Vitamin E
0.33 oz Supergoop! City Sunscreen Serum Broad Spectrum SPF 30 PA+++
0.33 oz Murad
Essential-C Sun Balm Broad Spectrum SPF 35 PA+++
1 oz DERMAdoctor Shrinking Beauty
Travel bag

Beauty Deals

Sephora Coupons
Fuel Rewards Tracking
Added on : Friday August 01st 2014 10:00:08 AM
g: 0 Posted By: QuadesFather
Views: 117 Replies: 0 Does anyone know of a good place to track the current fuel rewards promotions at the various supermarkets? I try my best to coordinate any purchases I make with double points offers. But my job sometimes requires me to travel on somewhat short notice. It would be very handy to have a place to look for Southwest gift card buying opportunities. This may be an idea for a sticky thread at the very least if a better resource doesn't already exist.
Discussion Deals
US bank deposits... how safe??
Added on : Friday August 01st 2014 09:00:08 AM
g: -3 Posted By: awilst
Views: 91 Replies: 2 Happened to hear a talk show discussing federal reserve new regs. that could allow u.s. banks in "financial distress" to confiscate depositors money to help refinance without depositor approval (think Cyprus). Deposits involuntarily converted into some "special issue" pepetual bank stocks. According to broadcast, this reg. will be being "quietly" implemented in the event of another financial meltdown. Would appreciate any info as to validity of claim. thanks.


Deposits Deals
MoneyPak Opens Path to Fraud Schemes
Added on : Friday August 01st 2014 01:00:05 AM
g: 0 Posted By: NEDeals
Views: 75 Replies: 0 Federal authorities are sounding alarms about a wide range of fraudulent schemes involving a popular prepaid money card product.

Thousands of consumers have been lured into sending money through the card, called MoneyPak. For online fraudsters, the reusable green-and-white paper card that can be used to quickly reload, or transfer, hundreds of dollars in cash onto another prepaid card is often the money conduit of choice, regulators and law enforcement officials say.

The abuses are mounting as the market in prepaid cards is increasingly finding favor with Americans who dont have access to a traditional bank account or credit card. The roughly $80 billion that consumers are expected to put on prepaid debit cards this year is double the amount put on those products in 2010, according to the Mercator Advisory Group, a banking industry consulting firm. Consumers also use the cards to transfer money into PayPal accounts to shop online...

dealbook.nytimes.com/2014/07/31/popular-prepaid-money-card-opens-path-to-fraud-schemes/

mobile.nytimes.com/blogs/dealbook/2014/07/31/popular-prepaid-money-card-opens-path-to-fraud-schemes/
Discussion Deals
g: 2 Posted By: scripta
Views: 40 Replies: 0 I stumbled upon some slightly disappointing news on the Citibank website. The new ThankYou Points Earning Chart (attached) on this page shows that Basic Banking and Citibank Student Account relationships will no longer earn rewards, and the remaining levels (Citigold, Citi Private Bank Account, and The Citibank Account) will earn less. The changes will be implemented in December.

If you have $15K to spare, upgrading to The Citibank Account may not be worth the opportunity cost ($15K min to avoid $20/mo fee and earn $6.75-$10 in TYP). I'm sad to say good bye to the $6/mo worth of TYP I won't be getting.
Discussion Deals
g: 0 Posted By: ShoppingChick
Views: 605 Replies: 1 Kmart has the Samsung 7" 8GB Galaxy Tab 3 Litefor $139.99 with free in-store pickup. PlusShop Your Way Members will earn$51.40 in points from this purchase. If you are not a SYW Member, it is free to joinhere.

7"(1024 x 600) WSVGA Display Resolution
1.2 GHz Dual-Core Processor
1GB Ram and 8GB On-Board Memory
microSDCard Slot (Up to 32GB)
Android 4.2, Jelly Bean
2MP Rear Camera

The lowest price on Google Productsis $139.00 from B&H Photo.

Android Tablets Deals

Kmart.com Coupons
Best Deals on RV Rentals?
Added on : Thursday July 31st 2014 06:00:13 AM
g: 0 Posted By: LilyBelle83
Views: 87 Replies: 0 I'm planning to take a road trip cross country. Would love to take an RV or some sort of rental vehicle/sleeper situation. I know that the mileage is always a killer and the rental is rather costly. Anyone know of some great deals or different ways of road tripping across US?

Thanks!
Discussion Deals
g: 0 Posted By: ShoppingChick
Views: 176 Replies: 0 Kmart has the Samsung 7" 8GB Galaxy Tab 3 Litefor $139.99 with free in-store pickup. PlusShop Your Way Members will earn$51.40 in points from this purchase. If you are not a SYW Member, it is free to joinhere.

7"(1024 x 600) WSVGA Display Resolution
1.2 GHz Dual-Core Processor
1GB Ram and 8GB On-Board Memory
microSDCard Slot (Up to 32GB)
Android 4.2, Jelly Bean
2MP Rear Camera

The lowest price on Google Productsis $139.00 from B&H Photo.

Android Tablets Deals

Kmart.com Coupons
Trustage auto insurance for credit union members
Added on : Thursday July 31st 2014 04:00:07 AM
g: 0 Posted By: sam008
Views: 59 Replies: 1 Guys

Yet another letter in the mail that claims they can save me $450 over Geico prices since I'm a credit union member. Before I go through all the calls giving them my details to run a quote, has anybody has experience with this company and its rates - they are supposedly partnered with liberty mutual

Thanks
Discussion Deals
New rules will require banks, brokers to identify beneficial owners
Added on : Thursday July 31st 2014 03:00:05 AM
g: 0 Posted By: tuphat
Views: 53 Replies: 0 The U.S. Treasury Dept., through the Financial Crimes Enforcement Network (FinCEN), recently proposed rules that will, among other things, require banks, brokers and others to verify theidentity of the beneficial owners of
legal entity customers (i.e., the natural persons who own or control legal entities like LLCs and partnerships).

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

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

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

Discussion Deals
Tweeting and flying can be dangerous or ........!
Added on : Wednesday July 30th 2014 04:00:12 PM
g: 0 Posted By: javaman2003
Views: 82 Replies: 0 Minnesota man asked to leave Southwest flight after critical tweet
http://www.reuters.com/article/2014/07/24/us-usa-southwest-tweet-idUSKBN0FT25E20140724
Discussion Deals
BELIEVE the bs that your boss pays half of your SS?
Added on : Wednesday July 30th 2014 02:00:08 PM
g: -7 Posted By: nicj4070
Views: 169 Replies: 5 No, you pay all of it. your boss just helps Big Bro steal it from you, like he does your other taxes. Say you're my boss, you pay me $10 an hour. SS, unmploye, etc, add another $1 per hour. you must be able to turn a profit, after paying the ENTIRE $11 per hour. He doesn't CARE who it goes to, it's still all of it one of his expenses. Say SS magically disappeared, can he STILL charge you that $1 an hour "extra" out of your check? what if his competitor is paying the full $11 an hour to HIS workers, hmm? who will you soon work for? Whom will you be mad at? To whom will you tell everything you know about your old boss? So you see, you ARE paying all of your SS 15%. it's a tax, just like all the rest of it, and if you're less than 50 years old, you'll never see a dime of it, either. The $ bill is going to collapse before you're 70 (which will be YOUR minimum retirement age. The baby boomers are going to collapse SS, and with it, the $. Politicians don't DARE touch current SS policies, so they will just inflate the $ the rest of the way into worthlessness. it's already only worth 1.5c on what USED to be a $ (vs price of gold) A $20 bill, 100 years ago, bought an oz of gold. Now it takes (approx) 65 of those same $20 bills to buy that oz of gold.
Discussion Deals
Not many REALLY understand inflation.
Added on : Wednesday July 30th 2014 01:00:10 PM
g: -2 Posted By: nicj4070
Views: 113 Replies: 4 Inflation is calculated the same way as compound interest. when prices double, on the average, every 15 years, you're averaging 5% per year of inflation, in ALL "investments' or expenses that are calculated in US $ AND, if you get pay raises = to the rate of inflation, the increased pay quickly puts you into a higher tax bracket. Not only are you losing due to price increases, but you are also losing due to the increased taxes (assuming that you ARE getting that much increase in pay, which is quite rare, actually.
Discussion Deals
u truly CAN 'marry money".
Added on : Wednesday July 30th 2014 01:00:09 PM
g: -2 Posted By: nicj4070
Views: 80 Replies: 1 Thousands of 3rd world MD's, engineers, Physicists, etc, will do pretty much anything to become US citizens. Each one of them can get 20k per year of loans, grants and scholarships until they get a bachelor's degree from a US college, and then they get 40 k per year for 2 years, to get a master's degree. Since many of them can earn 200k per year, they could not care less that they end up owing 100k by the time they are Citizens (which takes 5 years, minimum) Of course, you have to know how to protect your stuff by having a Nevada corporation own it, and you have to be careful who you choose, but it can be done, and very little money and no special ability, training or education is required. If you care careful where they go to school, it costs 5k per year up to the bachelor's degree, 10k per year from bachelor's to a master's degree. They can only go half time, cause you'll have them working full time, at some lesser (but still well paid) job. they can't divorce you right at the 5 year mark, either, cause that will get Immigration looking and having them deported anyway, as the marriage being a "sham". So, basically, you can have 25-30k per year, cash, untaxed, per year, for 5-6 years. If you can't figure out a way to retire on that much of a head start, I feel for you.
Discussion Deals
g: 0 Posted By: RhizzleBop
Views: 86 Replies: 3 I've done the reading and research on borrowing from a 401k And how its generally a bad idea.
I get that the opportunity cost of the money not being there is potentially a big hit. I'm torn as to whether double taxation is a myth or not as I'm not sure when you're paying back the loan if it comes out pretax or not.

In my families situation we have paid for our wedding and paid off my wife's student loans and a car and we are now saving rapidly for a home purchase. We need more space and our current house will become a rental. This will happen in about a year.

So as we currently stand I put money in my 401k each month and get the company match. The rest of our income that doesn't go to expenses is being saved (obviously post tax) with the intent to use much of it for a large downpayment on our next home.

The question I had was, when considering the fact that not maxing the 401k pretax is an opportunity I can never get back after 2014 cause I can only out so much a year, would I be better off maxing the 401k and then when we are ready to move on the house, borrow from that so that going forward I can continue to max that in 2015 as well as pay back the loan.

For some perspective my plan is to out down around 45-50k on a home when we are ready to do that.

I would consider borrowing as much as half of that from 401k if I saved less in my bank account and maxed the 401k this year.

If I did that borrow its likely to happen between jan and July of 2015 and if it w ere roughly 20-25k then I would be paying that 401k loan off in 12 to 14 months.

Bascally it comes down to opportunity to max 401k in. 2014 that I can never get back again vs opportunity cost of having money pulled from the 401k for about a year that I will aggressively pay right back in.

Discussion Deals
g: -1 Posted By: ionelpapusoi
Views: 51 Replies: 3 Also posted a topic in Deal Discussion, but think also can get some opinion here. I took the decision to go for a prepaid plan and one guy says H2O is good for GSM and Pageplus for CDM. Still, H2O is not a reseller of Verizon as far as I see herehttp://www.allprepaidplans.com/network/verizon... And I want one of those normally. But if you guys also think H2O is a good service, it will help me a lot to take a decision easier. So, what can I see? Thank you from now!

Discussion Deals
NomadList the best cities to live and work remotely
Added on : Wednesday July 30th 2014 06:00:09 AM
g: 0 Posted By: eddierd
Views: 68 Replies: 0 NomadScoreTM is based on all of a city's attributes, with priority given to cost of living, internet speed, weather and level of safety. NomadCostTM is based on staying in a hostel, hotel or apartment in the center, working in a coworking space
List: http://nomadlist.io/
Discussion Deals
Passive Income Strategy
Added on : Wednesday July 30th 2014 06:00:08 AM
g: 0 Posted By: Princeoid
Views: 88 Replies: 1 "Passive income can make your life a whole lot easier by increasing the amount of money that you earn and decreasing your dependency on your work income. A passive income stream can even shave years off your active working years until retirement."

Let's discuss some Passive Income strategies to benefit the community...
General Economics Deals
Possible $3 in CVS Extra Bucks for logging in! expires 8/4 YMMV
Added on : Wednesday July 30th 2014 03:00:08 AM
g: 0 Posted By: MISTERCHEAP
Views: 70 Replies: 1 FYI, had $3 in Extra Bucks just for logging in and viewing circular.

$3 off $3+ valid to 8/4.

Worth a try to log in, hope most of you get this too! YMMV www.cvs.com
Discussion Deals
Federal Direct Graduate PLUS loan vs private loans
Added on : Tuesday July 29th 2014 07:00:08 PM
g: 0 Posted By: garyshultz
Views: 81 Replies: 1 Hey guys,

I am trying to choose between Federal Direct Graduate Plus loans vs Private loans like Discover Student loans.

What are the pros and cons?

I am going to for sure get Federal Direct Unsubsidized Stafford loans which is reasonable but the Federal Direct Graduate Plus Loans are straight up expensive. These origination fees should not exists!
See below:
The Federal Direct Unsubsidized Stafford loan interest rate for loans disbursed between July 1, 2014 and June 30, 2015 is 4.66% fixed for undergraduate students and 6.21% fixed for graduate students. Interest does accrue on the loan while you are enrolled. The Dept of Ed will deduct a 1.072% origination fee from the loan disbursements. You must be enrolled at least half-time status to receive your disbursements. Repayment begins six months after you are no longer enrolled at least half-time status.
$20,500.00 DGP The Federal Direct Graduate PLUS loan is a credit-based loan. By accepting the loan I consent to the Dept of Ed and its agents obtaining a report of my credit record and using that information in determining whether to make a Direct PLUS loan to me. The interest rate for loans disbursed between July 1, 2014 and June 30, 2015 is 7.21% fixed. The Dept of Ed will deduct a 4.288% origination fee from the loan disbursements. You must be enrolled at least half-time status to receive your disbursements. Repayment begins six months after you drop below half-time status.
Now im also considering a private loan like Discover Student loans that dont have origination fees. However if in the future, if the government decides to bail us out or if i work for the government with a student loan assistance program, would my discover student loan fall under these rules?

Thanks.

Discussion Deals
TransUnion Privacy Litigation Class Action - Checks Arriving
Added on : Tuesday July 29th 2014 06:00:05 PM
g: 1 Posted By: onedollarinmywallet
Views: 101 Replies: 1 I was surprise when I received checks via the mail (for myself and my wife) in what was apparently a class action settlement between TransUnion and Axicom. I don't even remember submitting this but anyhow, it was a nice surprise - even if it's just $25.80 each.

Just a heads up, since I almost threw it away without opening it thinking it was junk mail!

Details on the letter mentions:
http://www.listclassaction.com/
http://www.listclassaction.com/content/Summary_Notice.pdf

Discussion Deals
Free Tote Bag and Birthing Center Information Packet - TX
Added on : Tuesday July 29th 2014 10:00:10 AM
g: 0 Posted By: remick
Views: 59 Replies: 0 http://christusspohn.org/Birthing

All in- and out-of-state residents are welcome to sign-up for CHRISTUS Spohn's informative pregnancy eNewsletters. However tote bags will only be sent to Texas residents.
Totally Free Deals
g: 0 Posted By: tedhawkins
Views: 79 Replies: 1 Clothing Arts Pick-Pocket Proof Travel Pant (Men's) $79.95 + $4.99 Shipping @ 98main

http://www.98main.com/



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

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

Any other tips related to Beijing, Datong, and Pingyao very much appreciated.
Discussion Deals
g: 0 Posted By: jaytrader
Views: 226 Replies: 3 http://money.cnn.com/2014/07/29/pf/debt-collections/index.html?i...
cnn money said: An estimated 1 in 3 adults with a credit history -- or 77 million people -- are so far behind on some of their debt payments that their account has been put "in collections."

That's a key finding from a new Urban Institute study.

It examined non-mortgage debt, including credit card bills, car loans, medical bills, child support payments and even parking tickets.
...
The debt in collections ranged from as little as $25 to a whopping $125,000. But the average amount owed was $5,200.
...
Among the states,Nevadahad the highest percentage of residents with debt in collections -- 47% - as well as the highest average amount owed - $7,198. That was helped in part by the Las Vegas metro area, where 49% of residents had debt in collections.
...
The study, conducted with Encore Capital Group, is based on a random sample of 7 million people's TransUnion credit files in 2013.

Damn, we got issues, son! Basically, according to the article*, every other person that lives in Vegas has a collections account or accounts. That is mind-boggling. I bet that doesn't include the money they owe to loan sharks, either.

*sample of 7 million TU files.
Discussion Deals
How much was your mobile phone bill last month?
Added on : Monday July 28th 2014 04:00:08 PM
g: 1 Posted By: wtfu
Views: 262 Replies: 5 How much did you pay for your mobile carrier?


I paid $20 with Ting's pay as you go service.

Use less than 500 mins
0 text (using Google voice as alternative)
less than 100mb 4G Wimax (using Freedompop as alternative)
Discussion Deals
g: 0 Posted By: hellokitty27
Views: 612 Replies: 0 The Children's Place is offering 20% Off All Orders, 25% Off Orders $50+ or 30% Off Orders $60+with coupon code SAVEMORE3. Shipping is free on all orders through 7/29.
Kids Clothes Deals

The Childrens Place Coupons
Request for long term financial guidance for my retiring mother
Added on : Monday July 28th 2014 02:00:10 PM
g: 0 Posted By: Dell4600
Views: 46 Replies: 0 Hi guys, yet another post where one of us bares all (or bares enough to ask the question) and asks for financial guidance and advice.
My mother called me this weekend to lay out her current situation, asked if I was 'good at investing' and could help her. Well given that my portfolio is down about $14,000 in the last five days I can definitively say I'm not good at investing, but as a long term member of this board I know quite a few people that are

Her current situation:
Age 67. Divorced 40+ years ago, never remarried.
Her mother recently died (which is what is driving her to reconsider her current financial situation), leaving her a small inheritance. On the order of $50,000 already received, with another $100,000 to $200,000 still being sorted out.
She bought a smaller 2 bedroom condo in Chandler, AZ about 13 years ago (before the bubble), paid about $60k for it. In the time since then it doubled in value, then dropped again like everyone else's. She recently paid it off with the initial proceeds of her inheritance. She hasn't kept it current and modern and it sounds like it needs a little work, but we didn't get into details. In her mind it would sell for $35,000 to $40,000, but according to Zillow and Trulia it's worth right at $90,000.
Still working at the same job she's been working at forever (dozen years or more), recent pay raise to about $15 / hour. Raises haven't been plentiful nor numerous, and she said that over the past ten years she's been averaging between $24,000 and $28,000 per year income. I include this information to help with the Social Security calculations.

Needless to say, she's risk averse, and doesn't have the means to replace her inheritance if it vanishes. One of her concerns is that she leave me something when she eventually passes (insurance policy), but I am doing ok for myself and would rather she live a fuller life.

I asked her about the possibility of having a studious college age young woman share her condo (ie, roommate situation, not sure that's the right term when you rent to a college age kid), but she is very much against that idea.

-=-

Some of my math:
Condo breakdown : PITI - PI = ~$400 / month. Taxes = ~$40 / month. Condo fees : $170 / month. Since the condo just got paid off the $400 / month is no longer, but I mention it for baselining historical expenses vs income.

Her monthly take home has been somewhere in the $2,000 / month range, which defines her monthly outlay. She was paying all her bills from that, has no debt, but no real savings either. Thus I estimate her monthly was roughly $1900 / month including the condo $400 / month, meaning she could continue her current standard of living on roughly $1500 / month, not indexed for inflation.

Given that her mother just died, if her mother was 87'ish, I would estimate her savings would need to last her 20 years (plus or minus).

She's of the age to go onto Social Security without the 'retire early' penalties. I used the quick SS estimator to ballpark her monthly SS benefits at approximately $1150 / month. Thus she needs another $350 / month to maintain her current lifestyle, but honestly she's been living it pretty spartan and I'd like to see her have a little more to enhance her life (ie, she may not run the air conditioner in order to save money, even in the Arizona summer.)

Options include :
- The Vanguard investment fund mentioned in the last post (someone in NYC asking what to do with $250,000), so her $150,000 +/- at 4% would yield $6,000 / year ($500 / month) in passive income pretty much forever without touching the principle. Is sufficient, actually, but doesn't index for inflation so she may run thin later on in life when groceries / gas / whatever gets more expensive.
- Reverse mortgage. Requesting ideas and discussion on this one, as I'm not familiar with it from a practical perspective beyond the commercials on TV.
- I considered buying her condo from her at a price somewhere between what she thinks what it is worth and current market value, let her live in it forever (she intends on leaving it to me in her will, but if it is still in her name when she gets to means tested assistance (medicade, etc) the will likely take it from her and she won't have anything to leave behind for me, one of her concerns.) If I buy it from her now, that money can go into her investment fund (returning 4% or whatever) to increase her standard of living for the long run, and when it is finally time for her to pass I will still own it, 10-20 years from now, as it was mine, not hers for the government to liquidate before they provide her with means tested assistance. I don't know how all that works (arms length transaction is the phrase that comes to mind, but if I buy it for fair market value we weren't trying to hide it or anything.) If I have the means to buy it from her (without ripping her off), please compare and contrast this vs Reverse mortgage.
- Annuities - I've heard the phrase used plenty of times but generally in a news piece about an elderly person getting scammed. Requesting some real guidance and experience here to keep that from happening to her.

Finally, she could keep working a few more years, but does that really buy her anything. In other words, if she postpones retiring / going on SS for another two years, will her SS benefits be more each month, or would she get the same as if she retired today (thus she can decide whether she wants to stop going to work today and between her SS and investment income still have enough to live on.) ARG!!! According to this (http://www.ssa.gov/retire2/whileworking.htm ) she could have started receiving full benefits a year ago (when she turned 66) regardless of her income from work. Double ARG!! - she can apply for it retroactively, but they only back-pay 6 months worth. ARG!!! - Any advice here?

Actually given that I know that, I'm going to get her to start the paperwork on her SS, get her back pay and she can augment her monthly income by that $1150 / month (she will feel rich!). I figure she will work another year or two (or as long as they let her keep coming, she's a trooper!) But what about after that...

In light of all that, please help me point her in the right direction.

Thanks much,
Dell4600
Inflation has averaged 5% annually since 1970 so 6% APR sux.
Added on : Monday July 28th 2014 01:00:07 PM
g: -2 Posted By: nicj4070
Views: 75 Replies: 3 as an investment (pretax) if that's all you're making, all you're doing is staying even and at 4% per year, you are losing money.
Discussion Deals
g: 0 Posted By: hellokitty27
Views: 237 Replies: 0 The Children's Place is offering 20% Off Everything, 25% Off Orders $50+ or 30% Off Orders $60+ with coupon code SAVEMORE3. Shipping is free on all orders through 7/29.
Kids Clothes Deals

The Childrens Place Coupons
Kmart Coupon: Additional 30% Off Summer Clothing Clearance
Added on : Monday July 28th 2014 10:00:04 AM
g: 0 Posted By: ShoppingChick
Views: 139 Replies: 0 Kmart is offering an Additional 30% Off Summer Clothing Clearance with coupon code CLEAR30with free shipping on orders $59+.

Baby & Toddler Clearance starting at $1.17
Kids' Clearance starting at $1.31
Women's Clearancestarting at$1.67
Junior Clearance starting at $2.20
Men's Clearance starting at$2.27

Clothing Deals

Kmart.com Coupons
become a travel agent looking for pointers
Added on : Monday July 28th 2014 09:00:20 AM
g: 0 Posted By: iomongol
Views: 40 Replies: 0 Hi,

I book fishing trips for my clients, but sometimes clients ask for hotels, rental cars, air and shuttle services.We still book the same, but make no money.
Ideally,I would like to become a travel agent under someone's else umbrella and get a commission split.

Have a couple questions:
1.What is the normal commission split percentage wise ?
2.Any links, ideas on companies that are interested in such arrangment ? At present, the volume is 650-800K in sales.

Thank you,
ilya
Discussion Deals
Tap Water as an Investment?
Added on : Monday July 28th 2014 05:00:05 AM
g: -5 Posted By: a783783
Views: 178 Replies: 7 Here's another crazy idea. Let's say you rent an apartment where water is included. Let's say you could get away with using as much water as you want.

Watersupposedly has the potentialto be an increasingly scarce resource. Could you just stockpile as much as possible and re-sell it 50 years from now? Hell, is there a way to export it to Africa or India RIGHT NOW for a profit?
Discussion Deals
maximizing moving expense reimbursement
Added on : Monday July 28th 2014 01:00:09 AM
g: 0 Posted By: dagr8vik
Views: 57 Replies: 1 Relocating for a job is often accompanied by perks like employer reimbursed moving expenses. Sometimes this is paid as a lump sum to 'help offset moving costs' and other times employers reimburse actual costs up to a certain limit.

Is it possible (or does anyone have any experience with) moving yourself and keeping the reimbursement. This might be facilitated by forming your own moving company, or having a friend or family member do it, and hiring them for your move (or part of it). For example, one might hire a moving company to move most of their stuff and drive their car up themselves. The car transport might be expensive, but reimbursable, and you might think to yourself, 'I could compete with that price, or even beat it.'

I have not seen a lot of discussion on this, but there was a similar thread in maximizing employer reimbursed closing costs a few years ago - http://www.fullofdeals.com/forums/finance/704849/
The consensus there seemed to be - 'keep it reasonable'
I am not suggesting outright fraud, but paying yourself for your own hard work in moving (rather than paying someone else) seems reasonable to me.
Any other ideas on maximizing this benefit?

Question Deals
g: 0 Posted By: ctgolfer
Views: 87 Replies: 0 Steel truss framework supports 250 pounds
Sling style one-piece seat and back features additional padding with channel stitching
Built-in mesh beverage holder
Wide fabric armrests
Oversized for comfort and lightweight enough to transport for camping, trekking and spectator sports
Rugged fabric construction is resistant to moisture and staining
Light enough for hand-carrying and sturdy enough for home use
Plastic feet protectors added to prevent scuffing on most surfaces

www.kmart.com/search=089w004914762002p%7C089w004914762001p%7C?st...
maximizing moving expense reimbursement
Added on : Monday July 28th 2014 12:00:06 AM
g: 0 Posted By: dagr8vik
Views: 15 Replies: 0 Relocating for a job is often accompanied by perks like employer reimbursed moving expenses. Sometimes this is paid as a lump sum to 'help offset moving costs' and other times employers reimburse actual costs up to a certain limit.

Is it possible (or does anyone have any experience with) moving yourself and keeping the reimbursement. This might be facilitated by forming your own moving company, or having a friend or family member do it, and hiring them for your move (or part of it). For example, one might hire a moving company to move most of their stuff and drive their car up themselves. The car transport might be expensive, but reimbursable, and you might think to yourself, 'I could compete with that price, or even beat it.'

I have not seen a lot of discussion on this, but there was a similar thread in maximizing employer reimbursed closing costs a few years ago - http://www.fullofdeals.com/forums/finance/704849/
The consensus there seemed to be - 'keep it reasonable'
I am not suggesting outright fraud, but paying yourself for your own hard work in moving (rather than paying someone else) seems reasonable to me.
Any other ideas on maximizing this benefit?

Question Deals
Kenneth Cole Tribute Backpack Reg. $100.00 Sale $49.99 macys.com
Added on : Sunday July 27th 2014 01:00:02 PM
g: 0 Posted By: DaysFan
Views: 217 Replies: 0 item 1377646
http://www.macys.com
http://akimages.shoplocal.com/dyn_li/400.0.90.0/Retailers/Macys/140723BS_111_10_5a.jpgKenneth Cole Tribute Backpack
Web ID: 1377646
linkedReg. $100.00
Sale $49.99 Sale ends 8/24/14Take on the day. A dual compartment design with dedicated space for notebooks, folders, tablets, laptops & more gets your gear in order. Multiple exterior pockets, like a lined stash pocket for sunglasses & MP3 players & a front zippered pocket with organizational panel for pens, business cards & more, keep all the essentials you need right within reach.

Printed polyester
Imported
Roomy dual main compartments
Front compartment is great for files, folders & notebooks
Rear compartment ha a padded iPad/tablet holder & a padded computer pocket that fits laptops with screens up to 17.3"
Front gusseted zipper pocket features an extensive organizational panel, key fob & zipper pockets
Front soft-lined stash pocket for valuables
Easy-access front open top pocket
2 side elastic top accessory holster pockets
Ergonomic shoulder straps have a sternum strap for added support
Padded top haul handle
Laptop pocket measures 12.5" x 16.2" x 1.5"
Weight: 2 lbs.
Dimensions: 15"W x 20"H x 10"D
Weight: 2 lbs



Office & School Supplies Deals

Macy's Coupons
g: 0 Posted By: Gauss44
Views: 194 Replies: 0 http://www.undergear.com/mens-underwear/shape-enhancers/
Clothing Deals
g: 0 Posted By: daggett
Views: 164 Replies: 1 Blade-Tech Praetor Defense Glock and M&P holsters $11.70+s&h with code PRAETORCLEARANCE

Made by Blade-Tech for Praetor Defense. There are still right and left handed Glock and left handed M&P Compact holsters left, and various SIG/M&P mag pouches from $6.48. Enter codePRAETORCLEARANCE at checkout. I've run their LH G19 holster for years in matches, classes, and daily carry. I generally dislike OWB holsters but this one is slim, sleek and rides close. Due to my build and attire, I generally can't conceal an OWB at all but this one is almost as easy to conceal as an IWB. It is absolutely one of my favorite holsters at full price, and is a no-brainer at less than $20 shipped.

Just to head this off at the pass, and in the interest of full disclosure - the founder of Praetor Defense is an acquaintance of mine and is in a difficult situation right now. I assume that Weaponoutfitters.com is aggressivley dumping the inventory. The legal difficulties of the founder are outside the scope of this deal and discussion.

Link to respresentative holster: http://www.weaponoutfitters.com/praetor-glock17-rh.html
Link to all Praetor Defense products on site:http://www.weaponoutfitters.com/praetor-defense.html
Guns & Ammo Deals
5/5 vs 15/15 vs 30
Added on : Friday July 25th 2014 10:00:12 AM
g: 0 Posted By: pucelle
Views: 258 Replies: 4 So I'm a first time home buyer and decided to buy new construction townhouse in a planned new planned community where I had been looking at apartments. As such, I got a pre-approval from a broker I had met and was waiting until I got a closing date/finishing date from the builder before I went any further. I'm currently going through underwriting with said broker (which I found out is a Wells Fargo affiliate) and just got word the townhouse will be completed next month with a close date of the beginning of September. So I figure now is the time to start looking around at rates and I was originally looking at the 30 year fixed even though I know that I hope to be the house for 3 years and ideally 5-7 before moving to a different state or out of the country. Given that, it doesn't really make sense to me to get a 30 year fixed and when I was looking around I saw the 15/15 from PenFed and the discussion on this site regarding it. 5/5 ARMs seem to also be popular with the increase caps at 2%.

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

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

I know that I could have gotten an existing townhouse in the neighborhood cheaper for the most part but the market is tight where I am so most people are paying above listing price and none of the places I looked at were worth the listing price. My credit is only average so I know that I don't qualify for the best rates. Chase quoted me 4.75% on a 30 year fixed with a mean CS of 670.
Personal Finance Deals
g: 0 Posted By: quasarcat
Views: 108 Replies: 0 At Lancome get 5 travel size skin care favorites with your $49 order. Use promo code SUMMERLOVE at checkout. 1 day only - offer valid through 11:59pm PDT 7/25/14.
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Slimy pop-up from Paypal for paying w/Credit card
Added on : Friday July 25th 2014 04:00:10 AM
g: -7 Posted By: yurgreat
Views: 112 Replies: 1 when you pay with paypal, it defaults to your bank acct.
the only other option on that page is Bill-me-later.

You have to click to a different page to select credit card. (and I think this is also slimy too.)
There's no way to default to your credit card.

but Paypal has gone to a new low.
there's now a pop-up when you select credit card:

"Save money when you pay with your bank account:
If you use a credit card to pay for your international purchase, your card issuer might charge you a fee (typically up to 3% of your purchase amount). That's about $1.35 USD for this purchase. Use your bank account and you won't have to pay this fee."

get charged 3%?!?! WTF sleezeballs!?!
my credit card gives me 2%

edit:
hm.. International? the website I bought from used US dollars. dontthink they're overseas??
anyway, Should not be any different from buying from China suppliers that use US dollars?
Discussion Deals
JetBlue 20% coupon with Dunkin Coffee?
Added on : Thursday July 24th 2014 05:00:05 PM
g: 0 Posted By: rsuaver
Views: 29 Replies: 0 Supposedly in certain markets, Dunkin has Jetblue coupons for 20% off on specially marked packages. Any ideas on markets? Anyone seen these in NJ? Anyone has a code willing to part? Looking at booking 5 tickets for the end of October and this will be worth it...

TIA...
Discussion Deals
New Tutorial: Shopping for Life Insurance
Added on : Thursday July 24th 2014 02:00:07 PM
g: 5 Posted By: dshibb
Views: 196 Replies: 0 Carryover from discussion elsewhere and big thanks to RBirns who referenced the last important piece to put this strategy together.

Today when you buy insurance from any independent agent out there (whether if they're life only, life and securities, etc.) you don't really realize it, but you're actually working with a small number of insurance brokerage wholesale operations in the US. They process all of the cases, give all of the insurance advice to the agents(in most cases), deal with the insurance carriers, handle contracting, etc. All the agent does is turn it over to them right away: client --> agent --> life brokerage --> carrier.

Now these life brokerage firms go by several different names, but they essentially mean the same thing: Insurance Marketing Organization (IMO), Field Marketing Organization (FMO), Broker General Agent (BGA), and Managing General Agent (MGA) are all insurance life brokerage agencies. They are all in the business of providing back end support to those with insurance licenses and their segment effectively dominates the insurance industry as practically every agent uses them and almost every carrier sells through them.


This also means that a very small number of insurance firms are actually at the epicenter of all insurance information. The people that work at them know the most knowledgeable insurance agents in very large networks, they have staff that are on a first name basis with the underwriters/case managers at many insurance carriers, out of sheer volume they've processed they know all the health related and process related quirks at the different insurance carriers, etc. They are also much more likely than retail agents to post their carrier list on their website so you can check quickly what carriers any agent that uses them has access to.


For the first time(I think anywhere online) I'm actually suggesting that customers (not agents) call these firms directly for referral or better yet if there is someone at their offices that will do personal production on the side then just use them since you'd likely get more efficient processing than going any other route.

The new method:

Step 1: (assuming term): Go to term4sale.com for quotes from the largest term insurance public aggregator

Step 2: (thanks to RBirns): Go tohttp://nailba.org/,click "Membership", and "Member Search". Pick your state (or potentially near by state(s) and click "apply". You will see a surprisingly small number of firms listed for an entire state. That is likely at least 50% if not 75% of the life brokerages in that state (not all pay for membership apparently).

Step 3: Go to each companies website where you will see information targeted not to attract insurance customers, but to attract agents. And usually there is a place on the website to view their carrier list and typically if there isn't you should be able to find the parent firm somewhere on their website (Crump, CPS, Brokers Alliance, LifeMark, Partners Advantage, Dunhill, etc. that are the national life brokerage firms). From there you can compare the best term results from term4sale.com with the carrier list they have on their website. You also may be able to pick up certain details about the types of agents that would pick such a place to handle their backroom. Do they mention having their own underwriters on staff? Do they provide support for advanced markets cases(that is code for they have smart people on staff)? Do they have template medical questionnaires on their website(if you have health issues that is a pretty good sign that they actively try to screen carriers based on how they look at particular health issues)? Do they mention "informal underwriting" on their website or mention that they order parameds on their website (valuable if you have health issues and you're above certain medium sized premium thresholds--think like $1.5-2+ million term insurance).

Step 4: Once you've picked out a couple life brokerage firms that seem appealing call them directly. Since this has never been done in mass before I can't attest to how this is going to go in every case, but I think it should work just fine. Just to make sure you don't get odd responses I would say/do one of the following:
--Look up on their website to see if there is a list of names/titles, etc. and if any of them say "wholesaler", "marketing", "sales support", or something like that then just ask for that person.
--"Hi do you have a wholesaler available right now by any chance?"
--"Hi can I get sales support, please?"

If you just say you're a customer and not an agent to the first person that picks up it's possible a receptionist could say something dumb like "we only work with agents here not customers."

Wait until you have a wholesaler on the phone to explain you're a life insurance customer "and that it was suggested to call a life brokerage directly since they're the ones that know the business the best and know everybody. So if anybody at your office is interested in processing a personal production term case(or whatever product you're interested in) that would be great otherwise I can take a referral to one of your agents who you think is [state desired quality such as easiest to work with, most knowledgeable, least pushy, etc.]. Most life brokerage wholesalers probably work with at least 150 insurance agents so their networks are pretty wide and that is just 1 wholesaler at 1 of these firms. If they have 4 wholesalers than that little office probably has at least 600 around the country.


A few additional points. If you are:
1) A normal small term case without any known health issues: You're probably looking for signals on their website of good case management at the firm. For you the best possible situation is to probably land someone at the office to take your case on the side. Why? Because the guy/gal is probably only one cube over from the case manager that processes everything and this is likely a nice little bonus commission to a person that either is salaried or doesn't make much override commission on each wholesale(as opposed to retail) case run through. This means that you're case will probably process in record time because it'll be the wholesaler's #1 priority who will probably bother the case manager daily about having everything go through as fast and smooth as possible.

2) A larger term case with known health issues:You're looking for references to informal underwriting or "ordering their own parameds" on their website. If they mention that it means they will in certain cases take possession of the health records. If they do that then that means they have the capacity to submit them informally to a bunch of carriers and get health classes/ratings back from each of the carriers. If you have health classes/ratings from carriers than you no longer have just "quotes" you have the actual end prices. Then they can compare the best end prices and have the client resubmit an app one more time to the carrier that gave the best price and they take the records and paramed from the first application (to somewhere else) and submit that to this carrier for very quick turnaround. The nice thing being that you don't have to do underwriting/physical/etc. a second time.

An analogy of this would be applying to ABC bank and getting one hard pull and then being able to take the credit report from ABC bank and sending this to as many banks as you liked to see if what they would hypothetically give such a person. Then knowing the exact terms of every bank you submitted to you then pick the one you want and apply only with them. The only difference of course being that medical underwriting sucks a lot more than a hard pull for credit.

3) A smaller term case with known health issues:You want references to health/underwriting questionnaires, "underwriting guides", "underwriting tools", etc. on the life brokerage's website. It's a signal that they'll at least attempt to screen for carriers that are likely to be more forgiving of whatever health issue you have. But since it's a smaller case the carriers wont participate in informal offers so they can't do what is mentioned in #2. This is also a case where you likely will receive a financial benefit if you work directly with a person at the physical life brokerage. Why? Because these people are practically the only people in the country that "build up favors" with insurance carriers. I.e. in certain cases they can really bring pressure on a senior underwriter to move a client from one health rating to another. They typically only can get away with really pushing a few times a year (as opposed to only sort of token pushing because they have a pissed off agent that has written only 3 cases with them on the phone). Guess what if it's their own personal retail case they'll push a lot harder than if it's wholesale case with an agent they're working with.

4) Business/Estate/Trust case: You want references to advanced markets on their website. If it's something ongoing like COLI, BOLI, deferred comp, etc. you want to ask them who they use for an advanced markets TPA. If they say they are their own advanced markets TPA then ask if they provide ongoing reporting services to the companies. If they say no than ask them if they work with an advanced markets TPA that does (regardless if you need it). Also, if you're a big Business/Estate/Trust than M Group needs to be one of the life brokerage firms in the mix since they're basically the only major life brokerage in the business (that I'm aware of) that has been granted proprietary carrier pricing instead of just proprietary access that many advanced markets TPAs are capable of getting.
Discussion Deals
Shopping Life Insurance Tutorial Update
Added on : Thursday July 24th 2014 01:00:06 PM
g: 1 Posted By: dshibb
Views: 12 Replies: 0 Carryover from discussion elsewhere and big thanks RBirns who referenced the last important piece to put this strategy together.

Today when you buy insurance from any independent agent out there (whether if they're life only, life and securities, etc.) you don't really realize it, but you're actually working with a small number of insurance brokerage wholesale operations in the US. They process all of the cases, give all of the insurance advice to the agents(in most cases), deal with the insurance carriers, handle contracting, etc. All the agent does is turn it over to them right away: client --> agent --> life brokerage --> carrier.

Now these life brokerage firms go by several different names, but they essentially mean the same thing: Insurance Marketing Organization (IMO), Field Marketing Organization (FMO), Broker General Agent (BGA), and Managing General Agent (MGA) are all insurance life brokerage agencies. They are all in the business of providing back end support to those with insurance licenses and their segment effectively dominates the insurance industry as practically every agent uses them and almost every carrier sells through them.


This also means that a very small number of insurance firms are actually at the epicenter of all insurance information. The people that work at them know the most knowledgeable insurance agents in very large networks, they have staff that are on a first name basis with the underwriters/case managers at many insurance carriers, out of sheer volume they've processed they know all the health related and process related quirks at the different insurance carriers, etc. They are also much more likely than retail agents to post their carrier list on their website so you can check quickly what carriers any agent that uses them has access to.


For the first time(I think anywhere online) I'm actually suggesting that customers (not agents) call these firms directly for referral or better yet if there is someone at their offices that will do personal production on the side then just use them since you'd likely get more efficient processing than going any other route.

The new method:

Step 1: (assuming term): Go to term4sale.com for quotes from the largest term insurance public aggregator

Step 2: (thanks to RBirns): Go tohttp://nailba.org/,click "Membership", and "Member Search". Pick your state (or potentially near by state(s) and click "apply". You will see a surprisingly small number of firms listed for an entire state. That is likely at least 50% if not 75% of the life brokerages in that state (not all pay for membership).

Step 3: Go to each companies website where you will see information targeted not to attract insurance customers, but to attract agents. And usually there is a place on the website to view their carrier list and typically if there isn't you should be able to find the parent firm somewhere on their website (Crump, CPS, Brokers Alliance, LifeMark, Partners Advantage, Dunhill, etc. that are the national life brokerage firms). From there you can compare the best term results from term4sale.com with the carrier list they have on their website. You also may be able to pick up certain details about the types of agents that would pick such a place to handle their backroom. Do they mention having their own underwriters on staff? Do they provide support for advanced markets cases(that is code for they have smart people on staff)? Do they have template medical questionnaires on their website(if you have health issues that is a pretty good sign that they actively try to screen carriers based on how they look at particular health issues)? Do they mention "informal underwriting" on their website or mention that they order parameds on their website (valuable if you have health issues and you're above certain medium sized premium thresholds--think like $1.5-2+ million term insurance).

Step 4: Once you've picked out a couple life brokerage firms that seem appealing call them directly. Since this has never been done in mass before I can't attest to how this is going to go in every case, but I think it should work just fine. Just to make sure you don't get odd responses I would say/do one of the following:
--Look up on their website to see if there is a list of names/titles, etc. and if any of them say "wholesaler", "marketing", "sales support", or something like that then just ask for that person.
--"Hi do you have a wholesaler available right now by any chance?"
--"Hi can I get sales support, please?"

Then once you have that person explain you're a life insurance customer "and that it was suggested to call a life brokerage directly since they're the ones that know the business the best and know everybody. So if anybody at your office is interested in processing a personal production term case(or whatever product you're interested in) that would be great otherwise I can take a referral to one of your agents who you think is [state desired quality such as easiest to work with, most knowledgeable, least pushy, etc.]. Most life brokerage wholesalers probably work with at least 150 insurance agents so their networks are pretty wide and that is just 1 wholesaler at 1 of these firms. If they have 4 wholesalers than that little office probably has at least 600 around the country.


A few additional points. If you are:
1) A normal small term case without any known health issues: You're probably looking for signals on their website of good case management at the firm. For you the best possible situation is to probably land someone at the office to take your case on the side. Why? Because the guy/gal is probably only one cube over from the case manager that processes everything and this is likely a nice little bonus commission to a person that either is salaried or doesn't make much override commission on each case run through. This means that you're case will probably process in record time because it'll be the wholesaler's #1 priority who will probably bother the case manager daily about having everything go through as fast and smooth as possible.

2) A larger term case with known health issues:You're looking for references to informal underwriting or "ordering their own parameds" on their website. If they mention that it means they will in certain cases take possession of the health records. If they do that then that means they have the capacity to submit them informally to a bunch of carriers and get health classes/ratings back from each of the carriers. If you have health classes/ratings from carriers than you no longer have just "quotes" you have the actual end prices. Then they can compare the best end prices and have the client resubmit an app one more time to the carrier that gave the best price and they take the records and paramed from the first application (to somewhere else) and submit that to this carrier for very quick turnaround. The nice thing being that you don't have to do underwriting/physical/etc. a second time.

An analogy of this would be applying to ABC bank and getting one hard pull and then being able to take the credit report from ABC bank and sending this to as many banks as you liked to see if what they would hypothetically give such a person. Then knowing the exact terms of every bank you submitted to you then pick the one you want and apply only with them. The only difference of course being that medical underwriting sucks a lot more than a hard pull for credit.

3) A smaller term case with known health issues:You want references to health/underwriting questionnaires, "underwriting guides", "underwriting tools", etc. on the life brokerage's website. It's a signal that they'll at least attempt to screen for carriers that are likely to be more forgiving of whatever health issue you have. But since it's a smaller case the carriers wont participate in informal offers so they can't do what is mentioned in #2. This is also a case where you likely will receive a financial benefit if you work directly with a person at the physical life brokerage. Why? Because these people are practically the only people in the country that "build up favors" with insurance carriers. I.e. in certain cases they can really push on a senior underwriter to push someone from one health rating to another. They typically only can get away with really pushing a few times a year (as opposed to only sort of token pushing because they have a pissed off agent that has written only 3 cases with them on the phone). Guess what if it's their own personal case they'll push a lot harder than if it's an agent they're working with.

4) Business/Estate/Trust case: You want references to advanced markets on their website. If it's something ongoing like COLI, BOLI, deferred comp, etc. you want to ask them who they use for an advanced markets TPA. If they say they are their own advanced markets TPA then ask if they provide ongoing reporting services to the companies. If they say no than ask them if they work with an advanced markets TPA that does (regardless if you need it). Also, if you're a big Business/Estate/Trust than M Group needs to be one of the life brokerage firms in the mix since they're basically the only major life brokerage in the business (that I'm aware of) that has been granted proprietary carrier pricing instead of just proprietary access that many advanced markets TPAs are capable of getting.
Discussion Deals
Staples great deal (if you are a NY State agency)
Added on : Thursday July 24th 2014 04:00:11 AM
g: 1 Posted By: stormdog123
Views: 153 Replies: 2 http://online.wsj.com/articles/when-staples-offered-items-for-a-...
wall street journal said: Staples Inc. made the State of New York quite a promise: Buy your office supplies from us, and we'll sell you a bunch of things for a penny apiece. This unleashed a rush on the retailer as government offices and qualifying organizations across the state gobbled up the one-cent items. A Brooklyn charity benefiting disabled people ordered 240,000 boxes of facial tissue and 48,000 rolls of paper towels, according to documents obtained in a public-records request. Rome, N.Y., wanted 100,000 CD-Rs. A State Department of Motor Vehicles office ordered 8,000 rolls of packaging tape.


I think someone is going to be fired.

Discussion Deals
Free Kindle Book- Understanding Explosure
Added on : Thursday July 24th 2014 02:00:10 AM
g: 0 Posted By: remick
Views: 58 Replies: 0 http://www.amazon.com/gp/product/B00C5TP504

A photography book discussing various techniques of photographing moments of destruction including wiring diagrams and full instructions on how to do so. The book starts with a description of basic methods of switching the flash for high speed photography and progresses to triggering a 30 000 volt spark with an ignition coil connected to the flash. An extensive chapter on using a sound activated flash trigger for high speed water balloons and smashing light bulb images follows. After that is a chapter on wiring up a high powered silicon controlled rectifier to explode a piece of wire for special effects photography. Finally the Trigatron is discussed, a device used for switching very high currents, and instructions are shown for making and wiring up a Trigatron to the camera flash switching circuit for explosive photography.
g: 0 Posted By: aerilo1919
Views: 177 Replies: 0 http://item.ebay.com/321159647440


=12pxBody
=12pxHard Case
=12pxSoft Case
=12pxCleaning Towels
=12pxGauze towel
=12pxShoulder Strap
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Manual :=12pxJapanese, English, German, French, Spanish, Chinese, Russian, Korean
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Music Deals

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HELOC Spreadsheet?
Added on : Wednesday July 23rd 2014 03:00:08 PM
g: 0 Posted By: JoeRobb
Views: 26 Replies: 0 I've been to the end of the Internet and back and still can't find a suitable spreadsheet to track and future plan against an interest-only HELOC. I've developed something very crude and not pretty, but can't quite get the exact interest amounts as the statements. The PNC HELOC is interest-only with a variable rate (currently @ the floor of 3.25%) for a 20-yr term (currently in year 6).

Anybody got anything that would help?


Discussion Deals
Free USMLE downloads
Added on : Wednesday July 23rd 2014 09:00:16 AM
g: 0 Posted By: Gauss44
Views: 135 Replies: 0 http://apolloaudiobooks.com/page.php?id=276
Totally Free Deals
Free Kindle Book- Mastering Digital Cameras: An Illustrated Guidebook
Added on : Wednesday July 23rd 2014 02:00:05 AM
g: 1 Posted By: remick
Views: 207 Replies: 0 http://www.amazon.com/gp/product/B009QW4A2C/

4.7 out of 5 stars (27 customer reviews)


Many people are walking around with expensive cameras that they barely know how to use and others are missing great photo opportunities because they have been misinformed by well-meaning friends.

This book is based on the premise that a solid understanding of photographic equipment results in a faster learning curve and better photos. The technology is actually quite simple when it is broken down and clearly explained.

Without an understanding of cameras, you are at the mercy of others in all your buying decisions. You will only scratch the surface of your camera's capabilities until you take on its manual settings.

You need to read this book because:
It will take the confusion out of Photographic terminology by clearly defining every important term used.
Your learning will be enhanced by 120 charts and photos that will simplify discussions and help you to remember what you learned.
You will learn why buying a camera based on Megapixels alone is a bad idea.
You will learn how sensor size and lens selection affect image quality more than any other factors.
Strange photographic terms will loose their mystique once you learn how they were carried over from film photography.
˃˃˃ You will also learn:
How digital images are created and stored.

Which file format to use when editing photos.

Which file format to use when sharing photos.

How to select a lens for your DSLR camera.

How to properly adjust exposure.

Why a zoom lens can be a very good investment.

Why you should care about focal length, aperture, shutter speed, and ISO as well as what these terms mean.
Totally Free Deals
Lancome gift with min $35 purchase at dillards.com
Added on : Tuesday July 22nd 2014 05:00:02 PM
g: 0 Posted By: DaysFan
Views: 135 Replies: 0 http://www.dillards.com/images/endeca/banners/071114banner_b_lancome_bastille_infographic.jpghttp://www.dillards.com/shop/Lancome/_/N-lg41imageLancome Bastille Day BagI

tem #: 04331373DMS: 0022 364 T13955

SKU: 0141294Description:Happy Bastille Day!

Lancome Free Gift With Purchase is your 6-piece gift, free with any $35 or more Lancome purchase.

Receive Advanced Genifique, Hypnose Drama Mascara and a Lancome exclusive tote bag. Choose a moisturizer, a cleanser and one makeup product.

Another free gift, yours with any $70.00 Lancome Purchase. Choose an eye & night moisturizer duo, plus choose a body essential.


While supplies last. One per client please. Receive a bag, a hypnose drama mascara and a deluxe 0.27-oz. genifique.

Then choose a moisturizer: hi-resolution, Benefiat Multi Vitale or Renergie Multi Lift. Choose a cleanser: Cream Mousse Comfort or Cream Radiance Cleanser.

Choose one makeup product: Color Design lipstick in the new pink, Color Design lipstick in Ooh La La or Blush Subtil in AplumThis is a special offer with purchase item and cannot be purchased separately. To receive this item, please add the qualifying items to your shopping bag. For more information please call Dillard's Customer Service at 1-800-345-5273
Beauty Deals

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g: 0 Posted By: tedhawkins
Views: 172 Replies: 0 Chauvet Lighting FreedomPar Quad-5 RGBA Wireless Quad Color LED Wash - Black $249.99 FS Pssl

http://www.amazon.com/Chauvet-Lighting-FreedomPar-Quad-5-Wireles...

Product Description

The Freedom Par Quad-5 pairs the familiar Freedom Par form with high-power quad-color LEDs. Five, 5-watt RGBA quad-color LEDs produce vivid, saturated colors and nearly eliminate multicolored shadows. A completely wireless DMX control option is available and made easy using built-in battery power and an integrated D-Fi 2.4 GHz system. For even easier operation when wireless DMX isn't needed, point-and-shoot operation is available using the IRC (infrared remote control).
Features

100% TRUE wireless, battery-operated, quad-color LED Par with built-in D-Fi 2.4GHz wireless control Create rich colors and pastels with amber LEDs Master/slave wirelessly using D-Fi 2.4 GHz with other Freedom fixtures for a coordinated light show Send and receive wireless DMX signals using the built-in D-Fi 2.4GHz transceiver Create coordinated light shows by linking other COLORstrip, COLORstrip Mini and Freedom fixtures in master/slave mode using D-Fi 2.4GHz technology Extended run time of up to 20 hours with the rechargeable, lithium-ion battery Achieve precise color mixing with 5 (5W) quad-color LEDs Extend the batterys lifespan with built-in discharge protection Shine light where it is needed using the adjustable, tilting head Access built-in, eye-catching automated and sound-activated programs via wireless DMX, IRC remote or master/slave mode IRC remote provides wireless non-DMX control Compact design easily fits inside sticks of TRUSST Easily charge, store and transport your fixtures from gig to gig in the Freedom Charge P
Specifications

DMX Channels: 4 or 5 DMX Connectors: 3-pin Light Source: Light Source: 5 (quad-color) 5W (350mA x 4) LEDs 50,000hrs Beam Angle: 24 Field Angle: 48 Operating Frequency: 2.433 - 2.481GHz Illuminance: 605 lux @ 2m Maximum Run Time (all on): up to 8hrs Maximum Run Time (single color): up to 20hrs Recharge Time: 6hrs Power Linking: 12 units @ 120V; 20 units @ 230V Input Voltage: Auto-ranging 100-240VAC 50/60Hz Power and Current: 110W, 0.9A @ 120V 60Hz Power and Current: 116W, 0.5A @ 230V 50Hz Weight: 9.9lbs (4.5kg) Size: 9.3 x 8.5 x 8.8in (236 x 215 x 223mm) Included Controllers: IRC Approvals: CE, FCC

Bullet Points

DMX Channels: 4 or 5
DMX Connectors: 3-pin
Light Source: Light Source: 5 (quad-color) 5W (350mA x 4) LEDs 50,000hrs
Beam Angle: 24
Field Angle: 48
Operating Frequency: 2.433 - 2.481GHz
Illuminance: 605 lux @ 2m
Maximum Run Time (all on): up to 8hrs
Maximum Run Time (single color): up to 20hrs
Recharge Time: 6hrs
Power Linking: 12 units @ 120V; 20 units @ 230V
Input Voltage: Auto-ranging 100-240VAC 50/60Hz
Power and Current: 110W, 0.9A @ 120V 60Hz
Power and Current: 116W, 0.5A @ 230V 50Hz
Weight: 9.9lbs (4.5kg)
Size: 9.3 x 8.5 x 8.8in (236 x 215 x 223mm)
Included Controllers: IRC
Approvals: CE, FCC
Electronics Deals

Amazon Coupons
Shady Gas Stations?
Added on : Tuesday July 22nd 2014 09:00:13 AM
g: 3 Posted By: naranja
Views: 37 Replies: 1 I've been pumping my own gas since that became a thing back in the 1970s. I always buy "regular". Within the past month I've been "tricked" into buying premium at two stations.

The first was at a QT. I swear I hit the regular but after filling up I saw I was charged for premium. I chalked it up to operator error maybe the hose hit premium or something. A week later at the same station a family member had it happen only they caught it before they started pumping, reset and all was ok. I suppose it could have been operator error twice but we just avoid that station now.

Cut to yesterday at an Exxon station. Unlike every other station I've been to "Premium" is the first button to the left where one would instinctively hit for "Regular". Luckily I was paying attention and caught it before I started pumping. I bet lots of folks are fooled. Pretty sneaky in my book.
Discussion Deals
OUTDOOR RESEARCH Women's Ferrosi Capris $34.98 FS on $48+ @ EMS
Added on : Tuesday July 22nd 2014 06:00:05 AM
g: 0 Posted By: tedhawkins
Views: 123 Replies: 0 OUTDOOR RESEARCH Women's Ferrosi Capris $34.98 FS on $48+ @ EMS

http://www.ems.com/product/index.jsp?productId=13238043

OUTDOOR RESEARCH Women's Ferrosi Capris
Ideal for rock climbing and hiking, the soft shell Ferrosi Capris from Outdoor Research are lightweight, rugged, wind and water resistant, and highly breathable. These capris provide ample stretch for free-flowing movement and protection against abrasive rock.

Features/Benefits:

Lightweight, durable stretch woven soft shell fabric of nylon ripstop and spandex
Wind and water resistant
Highly breathable to let excess heat escape
Stretch for smooth, unrestricted movement
Tough abrasion resistance against rough rock or hard miles on the trail
Low-profile waist fits under harness
Brushed tricot-lined waistband for moisture-wicking comfort
Dual-snap and zipper fly closure with ribbon drawcord
Belt loops
Crotch gusset for mobility and comfort
Zippered back pocket
Front slash pockets
Zippered thigh pocket
Vent at side hem for style and an easy stride
Standard fit: a looser fit for comfort in both technical and casual apparel
Inseam/size 8: 17.5 in. (44 cm)


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Eastern Mountain Sports Coupons
Difference between 3 different foreign stock tickers
Added on : Monday July 21st 2014 09:00:08 AM
g: 0 Posted By: brettdoyle
Views: 145 Replies: 2 With all of the recent Russian events I am looking to park a small amount of money in the Russian oil corporation LUKOIL. This is obviously a risky investment... I am not recommending anyone go out and buy since it may not be suitable for many.

With that out of the way here was my question... My brokerage (interactive brokers) offers three different ways of buying it that prompts many questions...

1) OTC Pink sheets ADR ticket
2) London stock exchange
3) Moscow stock exchange

The big different I see is that the Pink sheets pays dividends in USD whereas the others are in RUB. The other exchanges operate at different hours. From my own research it seems Russia has a 15% tax rate on dividends which will then be taxed again by Federal US tax. When I compare the price movements in all 3 instruments they are almost identical meaning that market participants are doing a good job arbitraging any price differentials between the three.

What are some of the other advantages and disadvantages to each option? Are there different legal, taxation, reporting, fees & costs, and risk advantages? Would the London stock exchange ticker also be subject to UK taxes and regulations?
Investing Deals
g: 0 Posted By: st4rdust
Views: 174 Replies: 0 Ulta is offering a selection of beauty essentialswith items priced between $1.00 and $5.00. Shipping is $5.95, or free on orders of $25 or more.


$1.00 Items:

Automatic Lip Liner
Automatic Eye Liner
Lip Pencil

$2.00 Items:

Eye Liner
Salon Nail Lacquer
Pro Nail Lacquer

$3.00 Items:

Mousse Blush
Lipstick
Tinted Lip Balm
Cheek Color

$4.00 Items:

Eye Shadow
Lip Color

$5.00 Items:

Mascara
Powder
Bronzer
Foundation
Sculpting Palettes
Concealer
Complete Eye Palettes

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ULTA Coupons
g: 0 Posted By: remick
Views: 31 Replies: 0 http://www.amazon.com/dp/B00AFYBRTY/

4.8 out of 5 stars (12 customer reviews)

Mind Mapping for Kids helps elementary school students develop higher-level thinking and improve their reading comprehension using mind maps and eight reading comprehension strategies.

KEY FEATURES

Learn mind map basics in a few hours and start mind mapping in a day.

- Written by a mind mapper and features mind maps by other mind mappers.
- Includes over 50 mind maps created with over 10 different mind mapping programs.
- Full case study on reading comprehension using mind maps.

DESCRIPTION

We are all visual learners, at least in part. We absorb information visually more than in any other way. Yet, visual literacy is mostly missing from mainstream education. So, how can elementary school students visually represent information and ideas to improve their ability to build on what they already know, think critically, and learn meaningfully?

This question is the central theme of Mind Mapping for Kids. MMFK offers elementary school teachers a blueprint for how to introduce mind maps in their classrooms to help students think more rigorously and increase engagement by transforming linear, static information into connected, dynamic maps.

Part I of the book discusses the fundamentals of mind mapping for teachers, parents, and students. Part II demonstrates how to use mind maps and the eight reading comprehension strategies to help students develop critical thinking and better comprehend what theyre reading. Part III provides 15 examples of mind mapping uses in school and at home and 5 templates to use in the classroom.

Give mind maps a try. They can be used independently or in conjunction with other literacy instruction programs. Either way, they will bring fun and excitement to the classroom while simultaneously improving thinking, reading, and learning.

FREE BONUS

To help you get started with mind maps, each book also comes with a free 6-month trial of ConceptDraw, DropMind, Inspiration, MindMeister, or XMind Pro. To get your free download code, e-mail the author with your proof of book purchase and program preference.
Books & Magazines Deals
Leather Trunk Bag by Marni, is crafted in luxurious leather in a box silhouette and was inspired by the new, chic bike culture popping up from NY to London. Featuring gusseted sides that fan out creating five compartments, including two zipped sections, a front pocket and a lockable front flap closure. Gold tone hardware detail. Special feature is the three way adjustable strap with metal studs with extension strip that allows you to go from handbag to shoulder bag to crossbody bag depending on your style needs. Made in Italy.Special offers and rebates for Fujitsu LIFEBOOK® notebooks and Tablet PCs, STYLISTIC® tablets and mobile accessories.
Carter's Clothing for Kids 25% Off $50
Added on : Saturday July 19th 2014 11:00:08 PM
g: 0 Posted By: paperclip777
Views: 184 Replies: 0 http://www.sears.com/baby-toddler-clothing&Carter%27s/b-1030217?...

Code:GOCARTERS
Kids Clothes Deals

Sears Coupons
Moving to TX update : Picked Austin
Added on : Saturday July 19th 2014 05:00:05 PM
g: 0 Posted By: needhelpplease
Views: 82 Replies: 0 Can't post in my OP here http://www.fullofdeals.com/forums/finance/1316596/

Thanks for the great replies there. After much deliberation we picked ATX.

Will be renting for some time to avoid buying during the summer rush and try out the neighborhoods...Are there any property tax "deals" in the "top" schools http://childrenatrisk.org/wp-content/uploads/2014/05/2014-Greater-Austin-District-Rankings.pdf


Looking for an apartment/condo rental in the same elementary school while we look/build. Wife wants master planned community and I need public transportation access to the triangle area (hate ATX traffic!!)

Also looking for a new build rebate realtor and/or someone who "specializes" in REO/Foreclosures?

Thanks!


Discussion Deals
Micro-transactions not being processed at gas station.
Added on : Saturday July 19th 2014 04:00:04 PM
g: 0 Posted By: tedteddy
Views: 70 Replies: 2 One of the banks I signed up with has a $100 bonus for new accounts if you do 15 debit card transactions.

I went to a gas station and did 18 transactions that ranged from 10 cents to about $1.50. I kept the receipts.

I went online to look at my account about a week later. I noticed something odd right away. None of the transactions under 70 cents appeared. I obviously did get the gas, so what is happening here? Did the gas station simply not process the small transactions because of processing fees? Did my bank void the small transactions?

I told my wife about this and she flipped out! She mentioned that there is a law in my state that you automatically lose your driver's license if you drive off without paying for gas. I'm not too worried about it, as I attempted to pay.

I realize this post is dangerously close to breaking the Chipotle rule, but I am genuinely curious about how all of this works. Anyone care to share your thoughts on this?
Discussion Deals
g: 1 Posted By: Revenant
Views: 125 Replies: 0 Celestion 100W 12-in. 16-ohm Guitar Speaker (G12K-100)- $99.99 with free shipping at Musician's Friend/Stupid Deal of the Day

Stupid Deal of the Day LINK- $99.99
Product LINK - $139.99

Nominal diameter: 12-in.
Power rating: 100Wrms
Nominal impedance: 16Ω
Sensitivity: 99dB
Chassis type: Pressed steel
Voice coil 1.75-in. Round copper
Magnet: 50-oz. Ceramic
Frequency range: 80-5500Hz
Resonance frequency, Fs: 85Hz

Next lowest price on Google Products is $139.99 at Guitar Center
thegearpage.net has a forum post and discussion
Music Deals

Musician's Friend Coupons
g: 0 Posted By: st4rdust
Views: 170 Replies: 0 Today only, Sierra Trading Post is offering 40% off sitewide when you use coupon code "SAFB071814" at checkout. Shipping starts at $5.95. You can find more detailed information for your estimated shipping rates here.


Valid through 11PM PT. Some exclusions apply.
Sports & Outdoors Deals

Sierra Trading Post Coupons
g: 1 Posted By: Marvinomatic
Views: 413 Replies: 3 I just received 2 coupons, for 75 cents off from http://www.coupons.com/. I used this zip code 33043. I know the Potato chips are $2 at Shop Rite, but not sure how much the crackers are?
Discussion Deals
Eliot Pony Hair and Leather Small Bag is crafted in fawn print pony hair and burgundy leather for chic contrast. Featuring flap and magnetic snap closure, three compartments with one center zip, two way adjustable chain shoulder strap, integrated mirror and flashlight and gold tone signature hardware detail. Signature dust bag included. French design.
Bobi Tejus Navy Leather Crossbody Bag is crafted in supple calfskin leather in a rockin 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.
ON SALE: Juicy Couture - Robertson Leather Daydreamer Satchel
Added on : Friday July 18th 2014 09:01:55 AM
Robertson Leather Daydreamer Satchel is crafted in soft leather with trapunto stitching on gussets adding that special touch of glamour to your look. Featuring heart padlock detail, magnetic snap closure, adjustable leather and chain shoulder straps, double flat handles with stud detail, protective feet and gold tone hardware. Genuine Juicy.
"Food should taste good" Brown Rice Cracker
Added on : Friday July 18th 2014 09:00:05 AM
g: 0 Posted By: Marvinomatic
Views: 34 Replies: 0 I just received 2 coupons, for 75 cents off from Coupons.com. I used this zip code 33043. I know the Potato chips are $2 at Shop Rite, but not sure how much the crackers are?
Discussion Deals
Making speeches for fun and profit
Added on : Thursday July 17th 2014 02:00:13 PM
g: 0 Posted By: tuphat
Views: 167 Replies: 1 Say you're a famous person who is able to command $275k per speaking engagement. You should consider copying the recently-posted speaking contract of another famous person, under which your speaking fee is paid (through your agent) to your personal foundation. Although you probably won't get a 1099 for the fee, be extra sure to remember at tax time that the fee is actually self-employment income to you, offset (within limits) by a charitable deduction to the foundation. If you forget, you can always claim it was TurboTax's mistake.

https://s3.amazonaws.com/s3.documentcloud.org/documents/1219565/...
Discussion Deals
FW HR services
Added on : Thursday July 17th 2014 01:00:05 PM
g: -2 Posted By: tmonkey
Views: 110 Replies: 2 It looks like FW finance should be renamed FW employment advice or similar. 4 of 8 'Hot Threads' on my Todaypage are dealing with employment advice...
Discussion Deals
Important fact about new Serve Am Ex prepaid card
Added on : Thursday July 17th 2014 11:00:10 AM
g: -1 Posted By: evagoblog
Views: 32 Replies: 0 On the application they make a big deal of the fact that there is no credit check but on the application they ask for you SS#. I was wondering why they needed that if they didn't do the credit check, so I put in my SS# one digit off, don't do that ,if not a credit check they do something VERY similar to that and what happens is that it sends a red flag and you are in for a shit (can I say that, if not monitor, put in-lot-instead) load of hassle. You have to mail or fax a copy of social security card AND a picture ID so put in the RIGHT number. On another forum a lot of people said they had to do that so don't know if people were doing that or leaving the ss# out, but that's why.
Discussion Deals
Haggled with Dish Network and got 50% off!!!
Added on : Thursday July 17th 2014 11:00:09 AM
g: 0 Posted By: tantuti
Views: 101 Replies: 0 Long time Dish customer and was paying 90.00 a month for top 200 with DVR, etc.

Went on dish chat and asked for breaks, first offer was typical 3 months free HBO, Showtime etc, told them that I don't want it since directv offers were 55 a month with free NFL package.

Got switch over to another customer specialist and offered free redzone for 3 months, I said not good deal. He came with with 46.00 month with no contract.

So happy!!!!!
Discussion Deals
Finance Hall Of Fame....
Added on : Thursday July 17th 2014 10:00:13 AM
g: 4 Posted By: letsspendlotsofmoney
Views: 294 Replies: 3 Can we get some votes for our all time favorite FWF thread?
///M3- Engine died in my car at 72k miles
http://www.fullofdeals.com/forums/finance/1283276/

{cke_protected}{C}%3C!%2D%2D%20google_ad_region_start%3Dtitle%20%2D%2D%3E
http://www.fullofdeals.com/forums/finance/1372847/

I am sure many have older post that are classics...






Discussion Deals
g: 1 Posted By: Revenant
Views: 120 Replies: 1 Zildjian ZBT20R-X Ride Cymbal - $39.99 with free shipping at Musician's Friend/Stupid Deal

Stupid Deal of the Day LINK
Product LINK
Music Deals

Musician's Friend Coupons
g: 0 Posted By: ctgolfer
Views: 38 Replies: 0 7-Channel powerful surround sound
105W per channel (8 Ohms, 1kHz, 0.9% THD, 2-ch. driven)
90W per channel (8 Ohms, 20Hz - 20kHz, 0.09% THD, 2-ch. driven)
HDMI (6 in / 1 out) with 4K Ultra HD upscaling, 3D, Audio Return Channel and MHL support
The latest HDMI version support for 4K Ultra HD 50 / 60p input
AirPlay, Pandora, Rhapsody, Spotify, SiriusXM Internet Radio music streaming service and AV Controller App
HTC Connect for music streaming from HTC Connect compatible smartphones
HDMI input on front panel, USB digital connection for iPod, iPhone and iPad
FLAC, WAV 192kHz / 24-bit, Apple Lossless 96kHz / 24-bit playback and gapless playback compatibility
Virtual CINEMA FRONT provides virtual surround sound with five speakers in front
YPAO Reflected Sound Control sound optimization for automatic speaker set up
YPAO Volume to ensure natural sounds even at low volume
Multi-zone audio support (Zone 2)
Dialogue Lift and Dialogue Level Adjustment for natural dialogue and vocals
Advanced GUI on-screen display with (English, German, French, Spanish, Russian, Italian, Japanese and Chinese)
ECO mode operation for about 20 percent less power consumption

FREE GIFT:Polk Audio RM6750 Black 5.1 CH Home Theater Speaker System

www.newegg.com/Product/Product.aspx?Item=N82E16882115479




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g: 0 Posted By: ctgolfer
Views: 23 Replies: 0 Wi-Fi Built-in and Wireless Direct Compatible for Easy Set Up
4K Ultra HD Pass-through for Super High Resolution Images
HDMI with 3D and Audio Return Channel
HDMI CEC for Easy Operation
Discrete Amp Configuration for High Sound Quality
AirPlay Allows Streaming Music to AV Receiver
Stream Millions of Songs with Spotify Connect
HTC Connect for Wireless Streaming
AV Controller App for Easy, Convenient Operation
USB Digital Connection for iPod and iPhone on the Front Panel
7-channel powerful surround sound
115 W per channel (8 ohms, 1 kHz, 0.9% THD, 1-ch driven)
80 W per channel (8 ohms, 20 Hz-20 kHz, 0.09% THD, 2-ch driven)
HDMI (6 in / 1 out) with 4K Ultra HD pass-through for super high resolution images
AirPlay, Pandora, Spotify music streaming service and AV Controller App
HTC Connect for music streaming from HTC Connect compatible smartphones
Front panel USB digital connection for iPod and iPhone
FLAC, WAV 192 kHz / 24-bit, Apple Lossless 96 kHz / 24-bit playback
Virtual CINEMA FRONT provides virtual surround sound with five speakers in front
Extra Bass enriches powerful bass sound even with small speakers
Assignable amplifiers for bi-amp connection and speaker Zone B function
Two subwoofer outputs (simultaneous outputs)
Gapless playback compatibility allows play without interruption
YPAO sound optimization for automatic speaker setup
Multilingual color OSD for improved visibility (English, German, French, Spanish, Russian, Italian, Japanese and Chinese)
ECO mode operation for about 20 percent less power consumption
Includes Receiver, Remote, and Antenna
Dimensions: 17.1 x 6.4 x 12.4
Weight: 17.9 pounds
Brand: Yamaha
Model: RX-V577
Condition: New
Warranty: 30 Day
Packaging: Retail
Expected to ship within 1-3 Business Days

http://1sale.com/electronics/tv-home-theater/wifi-network-av-rec...
TV Deals

1Sale.com Coupons
Run a small business or sell anything? Use this free iPhone app
Added on : Tuesday July 15th 2014 04:00:13 PM
g: 0 Posted By: Luniz97
Views: 83 Replies: 0 Pretty sweet app to track your sales for anything you sell. Free for a limited time. I use it to track my sales on Amazon & eBay.
https://itunes.apple.com/us/app/bottomline-sales-customer/id8865...

Discussion Deals
g: 0 Posted By: hellokitty27
Views: 79 Replies: 0 Amazon has Clauss 8-in. Bent Titanium Bonded Adjustable Tension Shearsfor $3.00 w/ free Super Saver shipping on orders $35+. Also available for the same pricefrom Home Depot w/ free in-store pickup.

Titanium-Bonded, Bent, Heavy-Duty Shears
Comfortable Ultra-Flex Handles with Extra-Large Finger Bows
Adjustable Tension Oversized Blades w/ Knife Edges

RC & Hobbies Deals
g: 1 Posted By: helloimalbert
Views: 370 Replies: 5 Taken from TheRewardBoss.com (apologies in advance for the formatting - not sure how to copy and paste it properly)


Have an upcoming vacation? Looking at a Hyatt Hotels?
Before you book, check outthis extensive 60+ page thread on Hyatt Discount Codes.As discussed inthe FlyerTalk thread,the hotel has the right to request for support of your affiliation with the company whose corporate code you are using typically a business card will suffice.My friendhas used the Credit Suisse code at the Hyatt Regency Tsim Sha Tsui in Hong Kong and was asked for support via email several days prior to check in. A simple email reply from her CS work email served as support. IBMs corporate code, 13717, appears to consistently offer the best rates for many locations.

If you are a risk taker, browse through the thread and test each code out at the specific Hyatt property you wish to stay. Not all of the codes are Corporate Codes.
If you are not a risk taker, you may want to just stick withHyatts My Elite ratewhich typically offers up to 20% off the Hyatt Daily Rate.

WARNING
I must stress that I do not endorse using any of the Corporate codes withinthe FlyerTalk threadunless you can prove affiliation with the company whose code you are using. It is very surprising that the FlyerTalk social media specialists for Hyatt have not taken down this page which started 10 years ago. Folks at Starwood, on the other hand, have proactively taken down posts that mention any corporate codes to be used on spg.com

LIST OF CORPORATE CODES
Here is a list of Hyatt discount codes (some Corporate) to save readers from sifting throughthis extensive 60+ page thread on Hyatt Discount Codes. Please post in comments below if you find other codes that work.

12114
13717
17500
15985
17497
90010
12624
99800
68083
57039
23079

Hotel Deals
Armada Women's Spectrum Ski Pants $99.95 FS Usoutdoor
Added on : Tuesday July 15th 2014 08:00:03 AM
g: 0 Posted By: tedhawkins
Views: 56 Replies: 0 Armada Women's Spectrum Ski Pants $99.95 FS Usoutdoor

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

The Armada Spectrum pant is for girls who rock the park. The relaxed fit is loose all the way down the leg and in the crotch, for plenty of room to move when stomping a 360. Made of MegaRex fabric and low bulk poly insulation, the Spectrum also keeps you warm and dry, no matter how many times you miss a trick and land rump first. Mesh lined inner leg vents let heat out with a quick zip, while an inner waist band lets you adjust over other layers. The Spectrum snowboarding pant was designed with the world's most progressive female riders in mind. Can you keep up?
Features of the Armada Spectum Pants - Women's

Fabrics/Materials: MegaRex
Windproof: Yes
Fit: Relaxed fit
Gusseted: Lower-leg boot gussets
Lining: Thermal Lining System
Insulation: 40g polyfill insulation
Waterproof Rating: 10,000mm
Seam Sealing: Fully Sealed
Vents: No-snag, mesh-lined inner-leg vents
Gaiters: Boot gaiters
Cuffs: Reinforced cuffs


Clothing Deals
g: 0 Posted By: remick
Views: 43 Replies: 0 http://www.amazon.com/dp/B008B9G7WM/

4.4 out of 5 stars (33 customer reviews)

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


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

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

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

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

After reading this book you will:

Know what you can gain from running
Know what to wear to be comfortable when out running
Know how to be a consistent runner
Know how to run correctly
Have an easy to follow program - The Running4B Program
Know how to measure progress
Know how to keep motivated
Have access to the downloads area on the support website for free!
Totally Free Deals
High Sierra Appalachian 75 Internal Frame Pack $59.99 @ Woot
Added on : Monday July 14th 2014 08:00:02 PM
g: 0 Posted By: ctgolfer
Views: 114 Replies: 0 shipping adds $5

75-liter, top-load main compartment with gusseted drawstring closure and adjustable top lid
Drop-bottom sleeping bag compartment with divider
ERGO-FIT shoulder harness constructed with Vapel mesh Airflow and foam padding
Dual, contoured aluminum frame bars
Molded foam back panel with Airflow channels
Waist belt, with Vapel mesh Airflow and high-density foam padding
Side and bottom compression straps secure gear
Internal hydration reservoir sleeve and dual exit ports for tube
Removable media pocket
Front access to the main compartment
Adjustable sternum strap
Soft lashing hardware
Mesh pockets hold water bottles
Tuck-away rain cover, stored in a bottom pocket

1680D Ballistic
1680D Ballistic is a standard, even weave of durable nylon material originally specified by the Federal Government for military use. The term "denier" (D) refers to the size of the yarn used: the larger the denier, the bigger the yarn.

Nylon Mini-Diamond Ripstop
Exclusive Nylon Mini-Diamond Ripstop combined with our Mini-Weave Duralite provides superior durability through special ripstop technology.This lightweight fabric provides better stain- and water-resistance.

Rain Cover
Water resistant rain cover.

Hydration Port
Internal hydration reservoir sleeve and exit port.

Shoulder straps
Are designed for comfort and ease of carrying. Most are adjustable to fit your height. Non-slip shoulder pads disburse weight more evenly on your shoulder.

Shipping Note: Eligible for shipping to all 50 states

Warranty: Limited Lifetime High Sierra

http://sport.woot.com/offers/high-sierra-frame-packs-1
Daily Deals

woot! Coupons
Sams Club New travel website (Members only)
Added on : Monday July 14th 2014 06:00:09 AM
g: 0 Posted By: pradeepkrcv
Views: 31 Replies: 0 i searched for the topic, but it seems no one posted anything about new travel site by sams.

Link

here's a review on the site by fool.com
Review
Discussion Deals
3 Cigars for $5.00 + $1.95 S/H @ Cigar.com
Added on : Sunday July 13th 2014 09:00:04 PM
g: 0 Posted By: st4rdust
Views: 110 Replies: 0 Cigar.com is offering 3 cigars for $5.00. Shipping adds $1.95. LINK

I have never personally heard of this site, but you can check out via PayPal. This deal also did pretty well herein February, with lots of FW members chiming in great discussion.

​Includes:

Macanudo Cafe
Gurkha Beauty
5 Vegas Gold


Strict limit of 1 per customer. Due to availability, contents are subject to change without notice.
Cigar.com Deals
Get 50% off WeatherHandler Floor Mats @ Sears
Added on : Sunday July 13th 2014 09:00:04 PM
g: 0 Posted By: ctgolfer
Views: 129 Replies: 0 Get 50% off WeatherHandler Floor Mats

www.sears.com/automotive-interior-accessories-floor-mats-floor-l...
Auto Parts Deals

Sears Coupons
SUV Vs Truck Value
Added on : Sunday July 13th 2014 04:00:07 PM
g: 0 Posted By: iyrishraven
Views: 164 Replies: 3 Hello,

I appreciate feedback from members on this. Thank You!

*note: I enjoy the crown vic comments, but also value other inputs

I am not a car person, I need a dependable, safe, sturdy and comfortable vehicle and as I am planning on keeping it for a long time, I prefer buying new.

1.I currently drive a mid size nissan crossover which I bought used at 20k miles. I am payment free for last 4 years as of now. (owned for 9 yrs)
2.Exploring options to buy a new vehicle (Kid on the way) and lock in some low interest rates available through PenFed and keep it for 10+ years
3.I am seeing that a double door truck (tacoma@25k) and SUV (highlander@36k) are similar mechanically, but price varies dramatically. Prefer a larger vehicle due to road conditions, safety etc.,
4.I will use the vehicle for driving to work and some day to day shopping no hauling etc.
5. I can afford both very easily, but looking for better value.

Q1. I am wondering, what are the advantages/disadvantages of having a double door, short bed truck to a SUV?
Q2. Does the quality of the ride differ say after 5 years?
Q3. I see a value in the double door truck (tacoma), will it limit any feature/s other vehicles provide for transporting a baby?
Q4. I do see that your outward image looks different when you arrive in a truck - is the SUV worth the money to get a better image?
Q5. In the long run, which would provide me more value to the $?

Help appreciated.




Discussion Deals
Collecting house keys from tenant
Added on : Sunday July 13th 2014 07:00:08 AM
g: 1 Posted By: megaFat
Views: 85 Replies: 1 My friend who leaves in different state has a house in the city I live . Recently he called me and told me to collect keys from the tenant who is moving out from his house. I thoughtsince I am in the same city I probably will help him out by collecting the keys.He gave my number and name to tenant .Later I came to know that tenant has not signed lease release form? and my friends agent is trying to get that from the tenant. Tenant is also planning to go to court for some reason not very clear to me. This came during my further discussion with my friend

I did question why agent cannot collect the key directly from tenant ,my friend said he just want me to be there during the transaction and once I collect the keys I can handover to agent.
.My friend also asked me not to sign any paper.

I want to help my friend but at the same time don't to be in a legal trouble such as party to some transaction . Am I being paranoid, do I need to take any steps to prevent me from getting into trouble.
As always fatwallet help was invaluable in the past , I am completely nave of landlord / tenant laws .I know many fatwalleters are successful landlords and can chime in their thoughts.

Sorry for long post
Real Estate Deals
Switch from Allstate to Geico
Added on : Sunday July 13th 2014 05:00:08 AM
g: 0 Posted By: spydermonkey
Views: 96 Replies: 7 I recently married within the past year and I expected my car insurance to go down a good bit but it didn't. We just received our renewal from Allstate and its $1374.26 /6 mth, $230/mth. Ive been a Allstate customer for over 20 years, my wife over 15 years. I started getting quotes from other major insurance carrier, and Geico will give us the policy for $583.92 /6 mth, $103/mth! $127 cheaper per month. I usually stick with companies that Ive been a customer with for a long time but this is a pretty significant price difference. Im also not the type of person that just wants to save a buck, since I dont mind paying a premium for something if its worthwhile. Everything I've read about Geico seems to be good, from what I understand the reduced cost is due to them not having any B&M agents. This is no biggie to me since I haven't seen my Allstate agent in well over 15 years.

Fellow FWers, should I switch?
Discussion Deals
Solutions for Underwater Vehicle
Added on : Saturday July 12th 2014 07:00:05 PM
g: 2 Posted By: Tumbler
Views: 22 Replies: 0 I own an aging car, it's an ancient 2008. I owe 23k on it. I plan to trade it in for a loss, or sell it for a loss, and use that money towards a new vehicle so that the new vehicle will be above water.

I bring home roughly $9,000 after tax per month. These are my expenses:
House Payment: $2500
Car payment: $900
Donation to my favorite political party: $5,600. This is untouchable.

Keep in mind that Fatwallet has a "no politics or religion rule". Therefore, any discussion pertaining to my untouchable monthly political donation will be removed.

I make 175k per year but I'm still poor. How do I pay off my car without earning extra income or cutting back money in other categories?
Personal Finance Deals
Going after a mortgage broker
Added on : Saturday July 12th 2014 03:00:11 PM
g: 0 Posted By: alamo11
Views: 49 Replies: 0 I'm coming to the FWF community for help with a situation involving a close friend. This person is very deserving and has done a lot of good for others in the community myself included. Recently he purchased a short sale. His DTI wasn't good enough for a 15 year so the broker his mortgage guy put him in a 30 year at a high rate (4.875%) but with no closing costs so he could refinance after he bought the place.

Anyhow he closed and came to me asking for help.Naturally I hopped on Bankrate and found a broker who just happened to be not too far from where I used to live. After a few emails I talked him into doing 2.75% with a .75% rebate on a 15 year with a 1% broker fee. Total closing costs about $3,400. Pretty incredible so he paid for the appraisal and had that done. Three weeks later broker saids the lender denied the loan because of seasoning. Not to worry he found someone with the same rate just a much smaller rebate (about $100). Still an awesome deal so we said fine.

Another three weeks or so of stalling later broker sends an updated GFE with points, higher broker compensation, and a bunch of fees tacked on. I tell him "No Way" and he saids he will get it taken care of. Another two weeks of stalling we decide we've had enough and drive down to his office. Office looks like it was setup overnight; guy looks shocked we showed up and sends us to his secretary. She announces "Maybe we will close next week." "Your cash at close is about $9,000". We flip our shit and leave.

Now: Clearly what happen is a bait-and-switch. During this time I have a number of GFEs and emails saying "ignore the GFE. It's wrong" and now I found out he doesn't have an NMLS license. In fact no one we saw or dealt with has a licence. Just some guy who doesn't even sit in his office. How do I go about reporting this goon and his unlicensed tactics? Friend suffered real damages in increased interest charges and almost had his credit trashed when they said not to worry about paying the mortgage. This is in FL.

Since then I'm working with a direct lender and got a similar deal as he was supposed to get just about $800 more in costs. How do I go about getting this guy arrested or in serious trouble? I wanted to put the fear of god into this guy but my friend restrained me from beating the living shit out of him.
Discussion Deals
g: 0 Posted By: BADADVICE
Views: 82 Replies: 1 The WSJ published a piece by Gates describing his favorite book, "Business Adventures" by John Brooks. It was little-known book sent to him by Warren Buffett.

WSJ Article

A couple copies have already sold on eBay for over $250. Looks like Amazon is listing a re-release of the book that will come out later this year (probably the reason this article was published).
Discussion Deals
ON SALE: Michael Kors - Large Sutton Satchel
Added on : Saturday July 12th 2014 09:00:12 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.
Fidelity Cash Management Account Transactions
Added on : Saturday July 12th 2014 09:00:12 AM
g: 0 Posted By: NEDeals
Views: 66 Replies: 1 For those of you with Fidelity Cash Management Accounts, have you noticed that the transaction listings do not include the origin or destination of credits and debits? For example, an ACH transaction pushed to the account shows up as "DIRECT DEPOSIT" with no further explanation of where it came from.

Even the Fidelity Amex bonuses are now posting as a mysterious direct deposit, so you don't have a clue what it is.

Not a great way to run a bank, and it makes reconciling your account very time consuming.

Is anyone else noticing the lack of transaction data?
Discussion Deals
The North Face Grizzly Jacket - Men's - 2013 Closeout $79.73 Fs rei
Added on : Saturday July 12th 2014 04:00:02 AM
g: 0 Posted By: tedhawkins
Views: 37 Replies: 0 the north face Grizzly Jacket - Men's - 2013 Closeout $79.73 Fs REI

http://www.rei.com/outlet/deal-of-the-day

Inspired by bear fur, Polartec Thermal Pro Grizzly high-loft fleece gives the north face Grizzly Jacket an exceptional warmth-to-weight ratio and packability for backcountry adventures.

Like animal fur, Grizzly polyester fleece uses a combination of textured and non-textured yarns, and long- and short-pile heights to trap warm air close to the body
Stretch panels at collar, back neck, gussets and cuffs let you move freely
Hem cinch cord with internal pocket adjustment
the north face Grizzly Jacket for men has 2 zippered hand pockets and 1 chest pocket
How do you deal with collecting daily spending data
Added on : Friday July 11th 2014 05:00:05 PM
g: 0 Posted By: calvin888
Views: 68 Replies: 2 I would appreciate all FWers here to share their successful experiences dealing with the tedious work of tracking and logging down daily spending, especially cash spending?Things getting really bad, family members are not helping. Wife and kids dont like to log down their daily spending and hate to be questioned for those numbers they dont like to remember everyday. Lots of vague descriptions and incomplete receipts are left for me to figure out. That is hours of detective work to put the broken pieces together, and the results are still not precise.

So much time and efforts,I am so tired but can not quit. Theworst part is no one appreciates it.
Discussion Deals
Electric company thinks I don't have service
Added on : Friday July 11th 2014 11:00:06 AM
g: 0 Posted By: dobby10
Views: 178 Replies: 5 I just realized this week that I hadn't seen an electric bill in a while. So I logged into my account and saw the last bill from early June, that was only for 5 days of service. I dug deeper and saw that their website stated my account was closed so I would be unable to pay online, or submit meter readings.
I sent them an email inquiring (their phone hours suck and there's always a wait on the phone). They email back 2 days later, "our records show you're service is disconnected as of may, please call if that's incorrect". I replied back, that their records are wrong and they need to correct them, should they need to speak to me, here's my number.

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

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

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

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

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

Beyond: Cant comment, this is where I am

Note: many (if not most) credit card rejections can actually be overturned if you pick up the phone and call the reconsideration line for that lender to talk to an underwriter. Dont be afraid to ask What can you do for me? If youve been a customer for that bank for a while, let them know etc.
Discussion Deals
g: 0 Posted By: Kingofthenet
Views: 16 Replies: 0 I see a lot of offers for Big free money on various online gambling sites, many run by legitimate Casinos, even if it' just 'Free' play like a Casino Voucher and you have to win money to take it out, it still seems good. Anyone make money on the Casinos dime? Worth it?
Discussion Deals
Homeowners: A new class of fools (CNBC)
Added on : Thursday July 10th 2014 08:00:06 AM
g: -1 Posted By: SangioveseW
Views: 247 Replies: 4 Here's an interesting article that I just came across:http://www.cnbc.com/id/101826458

As you can see, the author does not exactly think that the future of housing is particularly attractive. Quote:"According to the U.S. Department of Housing and Urban Development, privately-owned housing starts in May dropped an unnerving 6.5 percent from a downwardly revised April reading. And single-family housing didn't fare much better either, as starts fell by 5.9 percent against a lowered April print. This signals what is likely to be a brutal third and fourth quarter for the sector.As economist Karl "Chip" Case, the co-creator of the highly regarded S&P/Case-Shiller home price index, recently pointed out: "Every time [housing starts] have gotten below a million in the past, it's come right back. Every time except the Great Recession."
Discussion Deals
g: 0 Posted By: NonReturnable
Views: 103 Replies: 2 My wife's biological mother lives in Argentina. We live in the US.

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

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

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

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

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

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

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

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

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

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

TL;DR - Wife's broke deadbeat mom is dying of brain cancer in Argentina.. Any advice about how to get burial or ashes worked out, any personal belongings the wife wants shared shipped up here, and any possibility of life / burial insurance worked out.
Personal Finance Deals
g: 0 Posted By: CanisMajor
Views: 97 Replies: 0 The threads mentioning this have been archived as far as I can tell, I also posted this in the deal discussion forum Class Action thread. Just got this email today:

A federal court appointed us Settlement Administrator of what is known as the ING Rate Renewal Settlement Program. We previously mailed you a letter notifying you that you will be sent a check from this class action settlement. The minimum payment will be $25 per loan, and the average paymentis expected to beapproximately $175 per loan. You should read that letter in its entirety. This email simply serves as a courtesy reminder of your legal rights and options. Your legal rights will be affected by this Settlement, whether or not you take any action in response to it.

If you either (1) got an Orange Mortgage or Easy Orange Mortgage from ING during the period from October 1, 2005 through May 31, 2009, or (2) had an Orange Mortgage from ING before October 1, 2005 and did a Rate Renewal of your Orange Mortgage some time from October 1, 2005, through May 31, 2009, you can:

1. Do Nothing The borrowers on your ING loan will get a check for at least $25. You give up all claims against ING relating to Rate Renewal.
2. Exclude Yourself You will get no payment. This is the only option that allows you to be part of any other lawsuit against ING that involves the legal claims in this case.
3. Object or Go to a Hearing Write to the Court about why you dont like the Settlement or ask to speak in Court about the fairness of the Settlement.

To find out how much you will be paid if you do not exclude yourself from the Settlement, visit: https://www.ingraterenewalsettlement.com/ . You can log on using the 9-digit Notice # (located at the top of this email) and the last four digits of your social security number to find out the estimated amount of your expected payment, review your detailed notice and obtain other information about this lawsuit, the Settlement, and your rights.=12ptYou can also see the address to which your Settlement check will be sent.

Important Note: prior to 7/8/14, the website was not displaying the proper address for all users. The issue has now been corrected, and we encourage you to verify the address that now appears on the website. You can also call 1-855-770-6954 or write to

ING Rate Renewal Settlement Administrator
PO Box 85006
Richmond, Virginia 23286-9303

Sincerely,
Settlement Administrator
ING Rate Renewal Settlement Program


Discussion Deals
Car Rental Damage -- My Story
Added on : Tuesday July 08th 2014 09:00:05 PM
g: 0 Posted By: jpfulton
Views: 817 Replies: 0 Just want to share my story as it has unfolded so far related to car rental.

I took my car into the dealer last week for repair. Extended warranty covers vehicle rental for me. I went to Enterprise and got a vehicle which I then promptly backed into a building and caused bumper damage. I chose not to get Enterprise's insurance.

I talked to a collision shop before turning the vehicle in and he said that I would need a brand new bumper put in. No way to repair the existing bumper (Ram 1500 chrome bumper). Cost would be $635. I decided to wait until I turned the vehicle in and see what they said. They had me fill out an incident report and give them $500 on the spot which is equivalent to my insurance deductible EVEN THOUGH I hadn't yet decided to put it through insurance. Enterprise called me a couple days later to tell me what the collision shop would charge (technically I called them a few days in a row before I finally got them info). Shop wanted $533. If the true final cost was $533 then I would just pay out of pocket. Problem is that there will also be an administrative fee. No one can commit to exactly what that will be. There will also be a daily loss of use fee. No one can commit to what that will be per day nor how many days I'll be charge. Basically I'm estimating a total of $652. AAA cannot commit to whether loss of use and/or the administrative fee will be covered --- I suspect not but they can't tell me until I file a claim and I'm contacted by a claim handler. Also, in my research I have found that under $500 in damage is a $50 admin fee, over $500 is a $100 fee. I can't help but think that the collision shop's estimate being just over $500 is not random chance (I have read online about other's experience with this). I contacted Chase Sapphire. Though I used my card to put a deposit down, Chase won't cover anything since I didn't use the card to pay in full (extended warranty paid it).

I have been advised that I can call my local Enterprise in a few days to ask how many days I'll be charged for loss of use. I will be contacted by MAIL in 3 weeks by the Damage Recovery Unit with final numbers etc.

That is current status. I'll try to update this thread as I find out more.
Discussion Deals
How much do you spend on groceries each month?
Added on : Tuesday July 08th 2014 06:00:06 PM
g: 2 Posted By: cyberfire
Views: 225 Replies: 10 I've been reassessing my budget recently, and noticed that for a family of 3 (2 adults, 1 toddler), we're spending about $1,000 / mo on groceries. I'm curious what other FWF members spend on groceries each month, because I feel like I might be on the high end of the spectrum. We don't but a ton of snacks, but I do enjoy eating quite a bit of meat - I love to BBQ, and that can add up, even when it's on sale. We don't bother with "organic" labeled food, as the regular stuff is cheaper.

Most sites and blogs I've read basically recommend either coupons or essentially having your own mini-farm. Couponing isn't as great as it used to be - we did used to coupon until the time vs money just didn't make sense, as over the past couple years the savings we've seen have just gotten weaker with couponing. And having crops / mini-farm setup in an urban environment is often not practical or possible.

So, how much do you spend?
Family size?
Discussion Deals
Chase doesn't want to lend to ex-cons
Added on : Tuesday July 08th 2014 05:00:07 PM
g: 0 Posted By: Coto
Views: 52 Replies: 0 I have posted my story here once before but long story short I did a ten year stretch from age 20-30. Got out with no money and moved to a warmer climate. 13 years later, I own a business which will probably do 10 million in sales this year. I have a staff of about 50. Married to a girl who couldn't even speak English when we met and who now makes herself a low 6 figure salary and has her MBA. Will be sending our child to the most prestigious prep school kindergarten this year at a cost of $20,000 (which sickens me somewhat as I'm from Mass and I don't know about now, but public school was good enough for all of us). I drove by Milton Academy 500 times and never knew anyone who went there. But alasI live in a state where public education is poor.

Anyway I have never had trouble getting loans, small lines of credit, equipment financing etc. At one point I owed GE a million dollars. So I wanted to buy a commercial piece of property and was told that due to my past, it would probably fly with the SBA underwriters but Chase will not lend me more than $100,000 (anything above that asks if I have ever been a felon).

This is the same Chase that for the last month while I did my ATM check deposits I had to sit there and stare at a notice telling me that it's LGBT month. (I am not against them, I just don't need to know who is sleeping with whom). I am not too worried as I know I can go to another bank but I liked Chase. This crime happened over 20 years ago, why should I have to explain myself to anybody?

It's funny because my wife works in compliance and I don't know what bank it was, but they just got an approval to open an account for someone who was convicted of money laundering. The difference between that guy and me: he is a billionaire and I am not.

Anyway just a slight rant. I made it this far and still have a long way to go. Chase can go stick it!
Discussion Deals
g: 0 Posted By: bigdinkel
Views: 87 Replies: 2 http://www.washingtonpost.com/posteverything/wp/2014/07/08/this-is-what-happened-when-i-drove-my-mercedes-to-pick-up-food-stamps/

It seems like this family had a few bad life experiences happen within a few months. It's scary that this can happen to many. Besides an Emergency Fund, what's the best way to plan for something this serious?
Discussion Deals
Small Pension Buyout
Added on : Tuesday July 08th 2014 08:00:09 AM
g: 0 Posted By: mythosaz
Views: 30 Replies: 0 OK folks, I'd like to borrow upon your wisdom for a moment.

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

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

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

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

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

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

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

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

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

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

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

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

Thanks for listening
Discussion Deals
Car Rental Damage -- My Story
Added on : Tuesday July 08th 2014 05:00:09 AM
g: 0 Posted By: jpfulton
Views: 22 Replies: 0 Just want to share my story as it has unfolded so far related to car rental.

I took my car into the dealer last week for repair. Extended warranty covers vehicle rental for me. I went to Enterprise and got a vehicle which I then promptly backed into a building and caused bumper damage. I chose not to get Enterprise's insurance.

I talked to a collision shop before turning the vehicle in and he said that I would need a brand new bumper put in. No way to repair the existing bumper (Ram 1500 chrome bumper). Cost would be $635. I decided to wait until I turned the vehicle in and see what they said. They had me fill out an incident report and give them $500 on the spot which is equivalent to my insurance deductible EVEN THOUGH I hadn't yet decided to put it through insurance. Enterprise called me a couple days later to tell me what the collision shop would charge (technically I called them a few days in a row before I finally got them info). Shop wanted $533. If the true final cost was $533 then I would just pay out of pocket. Problem is that there will also be an administrative fee. No one can commit to exactly what that will be. There will also be a daily loss of use fee. No one can commit to what that will be per day nor how many days I'll be charge. Basically I'm estimating a total of $652. AAA cannot commit to whether loss of use and/or the administrative fee will be covered --- I suspect not but they can't tell me until I file a claim and I'm contacted by a claim handler. Also, in my research I have found that under $500 in damage is a $50 admin fee, over $500 is a $100 fee. I can't help but think that the collision shop's estimate being just over $500 is not random chance (I have read online about other's experience with this). I contacted Chase Sapphire. Though I used my card to put a deposit down, Chase won't cover anything since I didn't use the card to pay in full (extended warranty paid it).

I have been advised that I can call my local Enterprise in a few days to ask how many days I'll be charged for loss of use. I will be contacted by MAIL in 3 weeks by the Damage Recovery Unit with final numbers etc.

That is current status. I'll try to update this thread as I find out more.
Discussion Deals
Co-op with cell phone towers on the roof.
Added on : Tuesday July 08th 2014 03:00:06 AM
g: 0 Posted By: unnamedny
Views: 95 Replies: 1 I'm looking to buy an apartment in NYC and I found pretty good building. Friendly community, fair price, close to train, very low crime, plenty of parking. Problem is, apartment is located on 6th floor, which is top floor, and right above on the roof are cell phone towers. I'm not a health freak or germaphobe, but I don't like the idea being so close to such huge amount of RF radiation. Would you take that apartment? If you wouldn't, what would be a minimum distance of of you living away from cell phone towers? There is another apartment offer just a few floors below.
General Discussion Deals
Anyone ever look for a job while getting a MBA?
Added on : Monday July 07th 2014 06:00:06 AM
g: 0 Posted By: garyshultz
Views: 77 Replies: 2 So I see tons of articles online on what to do to get yourself ready for your Post MBA job. But I dont see any regarding getting a JOB while you are still going to school to get your MBA.

I would be going to a part time Fully Employed MBA program here in California. I was thinking of leveraging this MBA experience on my resume before I even graduate. Kind of like when I was attending UC back in the days we would put it on our resume with a graduation expected date. I assume I would do something like that for my resume while attending MBA.

What are your thoughts?


Discussion Deals
Union Tools shovels and rake @Sears $4.25 - $6.15
Added on : Monday July 07th 2014 06:00:03 AM
g: 0 Posted By: momoman
Views: 190 Replies: 0 link

D-handle garden spade shovel $6.15 (reg. $17.99)
D-handle garden digging shovel $6.15 (reg. $17.99)
Poly steel leaf rake $4.25 (reg $11.99)

Garden Deals

Sears Coupons
g: 0 Posted By: bittul
Views: 111 Replies: 0 www.childrensplace.com

Free Shipping no minimum --> no code needed.

Additional 40% off --> use code: EXTRA3

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ETA: Boys Flip Flops for $0.72 shipped!
Toddler: http://www.childrensplace.com/webapp/wcs/stores/servlet/en/usstore/p/kids-clearance-clothing/baby-boy-clothes/sneaker-flip-flops-2022761-593
Youth: http://www.childrensplace.com/webapp/wcs/stores/servlet/en/usstore/p/kids-clearance-clothing/boys-clothing/sneaker-flip-flops-2022757-593
Kids Clothes Deals

The Childrens Place Coupons
g: 1 Posted By: ctgolfer
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Daily Deals

Amazon Coupons
Lots of turnover at work- impact on career choices?
Added on : Sunday July 06th 2014 04:00:10 PM
g: 0 Posted By: SodiumChlorida
Views: 152 Replies: 2 Got hired in in 2011 out of college. Steady progression, including a promotion a year ago. Money is enough to pay my mortgage andbills,but nothing special (46k). Work for a large financial services company. My particular department hasbeen very stable, up until recently. Our dept headgot terminated and mydirect supervisor left shortly after that. We are left with one supervisor (my formerboss). He is on the verge of retirement (likely after a new management team isbrought in). Considering the workers in my dept, I think there willbe opportunities for me to get promoted again.

With what will likely amount to all new management, do you think I wouldbebetter off jumping ship to getbetter pay? Or stay put.and hopefully move upwards with the turnover? I have 3 years of experience at this point, and I think if I move to a new company, it would have tobe a lateral move. Although Iwould definitely get abump in pay which would be nice.

What do you think thebest move is for me career wise?
Discussion Deals
benefits of starting a retail business at the end of the year
Added on : Sunday July 06th 2014 04:00:09 PM
g: 0 Posted By: davidbeckham
Views: 91 Replies: 0 Hi all

I am a single professional in service industry, and of course I get killed in taxes(36% combined for fed and state). I get paid as an independent contractor for one of my part time jobs. I have now come to a career point where I am ready to start my own shop soon. I need some tax gurus helping me out with this one. I am thinking of signing the lease for space and starting buildout before the end of the year since construction would be the biggest expense of my endeavor, and this way I would be allowed to write the cost of construction off my tax this year. Next year I'd see a drop of my income because the new business would require significant advertising and me investing my time while I could work for an established business and make a decent income. I am hoping to be eligible for a lower tax bracket. If I did everything in one year, I might not have sufficient income to enjoy the tax writeoff. The idea here is to split the project in two tax years and maximize tax savings. Is this plan reasonable? Is there any advantage to squeeze equipment or supplies purchases this year as well?
Discussion Deals
Tips and Tricks for Insurance - Inventory Of Assets?
Added on : Sunday July 06th 2014 01:00:06 PM
g: 0 Posted By: robronson
Views: 85 Replies: 1 My neighbor in the apartment across from mine got robbed recently and it made me think about my renter's insurance. I barely have much in the realm of receipts and documentation on my things. If it was me that robbed, I'd be pretty screwed.

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

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

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

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

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

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

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


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

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

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

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

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

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

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

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

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






Question Deals
Free VIP Gift Kit from Little Hussy with 5 sign ups - FB (YMMV)
Added on : Saturday July 05th 2014 07:00:04 PM
g: 0 Posted By: remick
Views: 99 Replies: 0 https://www.facebook.com/LittleHussyShop?v=app_150794994973742

YMMV - the compnay is in australia but they do international shipments but seems legit as they have done a Groupon as below and the main website links to their FB pagehttp://www.littlehussyusa.com/
http://www.groupon.com.au/deals/national-deal/gg-little-hussy-au...

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

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

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

I have little previous knowledge on how to structure these types of things and i'm by nature very risk-adverse so I figured i would leverage the collective wisdom of the FW community to provide some insight. Thanks in advance for any advice and please let me know if you would like additional details .....
Discussion Deals
g: 0 Posted By: DaysFan
Views: 211 Replies: 0 http://www.kingsizedirect.com Does not apply to Shoes. Cannot be combined with any other discount offer. Free Standard Shipping on orders of $25 or more applies to merchandise total, not including shipping and handling or taxes. Express/Superfast charges are extra. Not applicable on purchases from The Sportsman's Guide, PlusSizeLiving, eBags, non-KingSize items on OneStopPlus.com, and all merchandise that is shipped directly from the manufacturer and shipped internationally. Enter KS07059 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. Expires 7/7/14 at 11:59pm ET.
Clothing Deals

King Size Direct Coupons
g: 0 Posted By: curvesahead
Views: 17 Replies: 0 http://www.huffingtonpost.com/2014/07/02/cole-taylor-higher-one-...

"On Tuesday, the Federal Reserve Boardlevied a $3.5 million penaltyagainst Cole Taylor Bank of Chicago for its participation in deceptive practices with a former partner, Higher One, the leading provider of campus debit cards.Cole Taylor will payanother $600,000to the Illinois Department of Financial and Professional Regulation, for a combined penalty of $4.11 million.'
Discussion Deals
Kmart.com Adam Levine Men's Short Sleeved Shirts $9
Added on : Friday July 04th 2014 05:00:04 PM
g: 0 Posted By: labboypro
Views: 239 Replies: 0 Regularly $19.99-24.99 each. Currently $9 each, with free store pickup or free ship with SYWMax. Don't forget 6% Kmart CB and SYWR points for members.

http://www.kmart.com/clothing-shoes-jewelry-clothing-men-s-cloth...


Clothing Deals

Kmart.com Coupons
Foster Farms chicken recalled due to salmonella outbreak
Added on : Friday July 04th 2014 06:00:08 AM
g: 0 Posted By: turtlebug
Views: 119 Replies: 0 ​Link

"...The U.S. Department of Food and Agriculture said it has found evidence directly linking Foster Farms boneless-skinless chicken breast to a case of Salmonella Heidelberg, an antibiotic-resistant strain of the disease that has sickened more than 500 people in the past 16 months and led to pressure from food safety advocates for federal action against the company.

As a result, Foster Farms issued a recall for 170 different chicken products that came from its Fresno facilities in March.

The USDA said its investigators first learned of the salmonella case on June 23, and the recall was issued as soon as the direct link was confirmed. The location of the case and identity of the person were not released.

Foster Farms says the products have "use or freeze by" dates from March 21 to March 29 and have been distributed to California, Hawaii, Washington, Arizona, Nevada, Idaho, Utah, Oregon and Alaska.

The long list of products in the recall include drumsticks, thighs, chicken tenders and livers. Most are sold with the Foster Farms label but some have the labels FoodMaxx, Kroger, Safeway, Savemart, Valbest and Sunland. No fresh products currently in grocery stores are involved..."
Discussion Deals
Traveling to Costa Rica on a whim!
Added on : Friday July 04th 2014 04:00:12 AM
g: 0 Posted By: wale
Views: 13 Replies: 0 Flying into Liberia and out of San Jose, two weeks early January.

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

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

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

Wide open itinerary.





Discussion Deals
Guitar Center 15% off one idem $299+ good through 7-6-14
Added on : Friday July 04th 2014 04:00:02 AM
g: 0 Posted By: puggle
Views: 1 Replies: 0 ~~Exclusions and limitations for the July 4th 15% Off non-sale single-item $299 or more offer:15% off non-sale single-item $299 or more. Not to be used in conjunction with other coupons, promotions or offers. Excludes discounted and clearance items, price matches, used gear, tax/shipping charges, scratch and dent, vintage equipment, Gift Cards, String Club and Stick Club memberships and musician services (Pro Coverage, GC Garage & GC Studios). No cash value. Offer valid 7/3/14 - 7/6/14.
Products from the following manufacturers do not qualify for this offer:
3 Monkeys Amps, 3rd Power Amps, 65amps, A Designs, ADAM Audio, Aguilar, Akai Professional, AKG, Alesis, Allen & Heath, Alto, Altus, Alvarez, American Audio, American DJ, Ampeg, Antelope Audio, Antoine Courtois Paris, Aphex, Apogee, Apple, Armstrong, ART, Arturia, Audio-Technica, Audix, Auralex, Avalon, Avanti, Avid, Axl, Azumi, B&S, B3 Guitars, Bach, Bad Cat, BAM, BeatKangz, Beats By Dre, Bedell, Behringer, Belkin, Benchmark, Benchmark Media Systems, Benedetto Guitars, Besson, Bixonic, Black Cat, Blackheart, Blackstar, Blue, Bogner, Bosch, Bose, Boss, Breedlove, Bricasti, Brio, BSS Audio, Budda, Buffet Crampon, Bugera, Bundy, Carl Martin, Casio, Cerwin-Vega, Chameleon Labs, Chandler Limited, Charvel, Chauvet, Cleartone, Cloud, Conn, Cordoba Music Group, Courtois, Crate, Crown, Cusack, Daking, Dangerous Music, dbx, ddrum, Dean, Death By Audio, Diamond Amplification, Diezel, DigiTech, Dime Amplification, Disney by Washburn, DLS Effects, Drawmer, Dunnett, Drum Workshop, Earthquaker Devices, EBS, Eden, Edirol, Elation, Electro-Harmonix, Electro-Voice, Elysia, Emerson, EMG, Eminence, EMMA Electronic, Empirical Labs, Empress Effects, Engl, Epiphone, ESP, Euphonix, Eventide, EVH, Evil Robot, F. Loree Paris, Fano Guitars, Fargen Amps, Fender, Fender Custom Shop, Fishman, Focal, Focusrite, Fox, Friedman, Fryette, Fuchs, Fulltone, Furman, G7th, Gallien-Krueger, Galway, Gator, Gemeinhardt, Genz Benz, Getzen, Gibson, Gibson Custom, Gibson USA, Giffin Guitars, GNI Pedals, Godlyke, Gold Tone, Golden Age, Golden Age Project, Grace Design, Great Divide, Great River, Gretsch, Gretsch Drums, Gretsch Guitars, Guild, Guyatone, Hagstrom, Hans Hoyer, Hao, Harden Engineering, Harman, Haynes, Hercules, HHB, Hohner, Holton, Ibanez, ISP Technologies, J Puchner, Jackson, JamHub, Jasmine by Takamine, JBL, Jet City Amplification, Jody Jaz, Jupiter, K&M, Kanstul, Kawai, Keeley, Keilwerth, Keith McMillen Instruments, Kemper, King, Koll Guitars, Korg, Kramer, KRK, Kurzweil, Kush Audio, Laney, Langevin, Leblanc, Lexicon, Line 6, LovePedal, LP, LsL Instruments, Ludwig, Luna Guitars, M-Audio, Mackie, Mad Professor, Malekko Heavy Industry, Manley, Mapex, Markbass, Marshall, Martin, Martin-Leblac, Matchless Amps, Maxon, Meinl, Meinl Weston, Millennia, Miraphone, Mixosaurus, Mogami, Mojave Audio, Moog, Morgan, MOTU, Music Man, MusicXPC, N-Tune, Neumann, Neve, Nord, Novation, NS Design, Numark, Olympus, On-Stage Stands, Option 5, Orange Amplifiers, Ortofon, Ovation, P. Mauriat, Pacific Drums & Percussion (PDP), Paiste, Parker Guitars, Pearl, Peavey, Pelonis Sound and Acoustics, Perris, Phonic, Pigtronix, Pioneer, Powell, Prelude by Conn-Selmer, PreSonus, Propellerhead, PRS, Purple Audio, QSC, Quik Lok, Radial Engineering, Rainsong, Randall, Rane, Reunion Blues, Rickenbacker, Rivera, RME, Roc-N-Soc, Rockbag by Warwick, Rockbass by Warwick, Rockcase by Warwick, RockStand by Warwick, Rode Microphones, Roland, Royer, Rupert Neve Designs, Sabian, Sample Logic, Schecter Guitar Research, Scherzer, Schilke, Schreiber, Schroeder, Schroeder Guitars, Selmer, Selmer Paris, Sennheiser, Serato, Shure, SKB, SM Pro Audio, Softube, Soldano, Solid State Logic, Sonare, Sonivox, Soul, Soundcraft, Squier, Stanton, Steinberg, Steinberger, Stephanhouser, Sterling by MusicMan, Summit Audio, Sweet Sound Electronic, Splawn, SWR, T-REX Engineering, Takamine, Tama, Tapco, Tascam, Taylor, TDK, Tech 21, Telefunken, Thermionic Culture, Toadworks, Tobias, Toca, Tone King, Tortuga, Traveler Guitar, Traynor, True Systems, Tube-Tech, Two Rock, Ultimate Support, Universal Audio, Vestax, Violet Audio, Vito, VMI, Voodoo Lab, VOX, W. Nirschl, Waldorf, Wampler, Warwick, Washburn, Weber Speakers, Western Digital, Xotic Effects, Yamaha, Yamaha Band & Orchestra, Yanagisawa, Zildjian, Zoom, ZVex Effects
http://www.guitarcenter.com/?
Music Deals

Guitar Center Coupons
Zildjian ZBT20R-X Ride Cymbal $40 @ Musicians Friend
Added on : Friday July 04th 2014 03:00:03 AM
g: 0 Posted By: veckle
Views: 119 Replies: 0 A balanced, medium-weight ride made for intermediate players.

Link

This is selling for $109.95 at most of the other stores I found it at.
Music Deals

Musician's Friend Coupons
Eastbay - World Cup Exit Deals - $50 Ivory Coast, Italy Others...
Added on : Thursday July 03rd 2014 09:00:07 AM
g: 0 Posted By: rumblingandbumblin
Views: 341 Replies: 3 **Please, do not make this into a pro/cons of soccer thread**

Now that the World Cup is down to the final 8 teams, I figured that stores must be looking to unload jerseys for teams that are out.

With a little research, I found some warm, but not yet hot deals. Eastbay now has the closest to hot items... $50 for many of the exited teams.. with free shipping. e.g. (Eastbay Soccer Jerseys).

Dick's also has some good deals.. some also discounted to $50.

Here are the best prices I found from other sites. Please improve upon this... there must be better deals. Please also be sure to only count stores selling the actual merchandise (lots of knockoffs out there).

Algeria - $63 (World Soccer Shop)
Cameroon - $70 (World Soccer Shop)
Italy - $68 (Sports Authority)
Ivory Coast (Cote d'Ivoire) - $70 (World Soccer Shop)
Mexico - $60 (World Soccer Shop)
Portugal - $68 (Sports Authority)
Russia - $63 (Adidas)
Spain - $45 (Sports Authority)
USA - $90 - 25% (Dick's Sporting Goods)



Clothing Deals

World Soccer Shop Coupons
New Arrivals: Jerome Dreyfuss - Thomas Moka Leather Satchel
Added on : Thursday July 03rd 2014 09:00:05 AM
Signature dust bag included. French design.
New Arrivals: Jerome Dreyfuss - Roland Black Leather Backpack
Added on : Thursday July 03rd 2014 09:00:05 AM
Signature dust bag included. French design.
New Arrivals: Jerome Dreyfuss - Roland Khaki Fabric Backpack
Added on : Thursday July 03rd 2014 09:00:05 AM
Signature dust bag included. French design.
New Arrivals: Jerome Dreyfuss - Carlos Burgundy Leather Tote
Added on : Thursday July 03rd 2014 09:00:05 AM
Signature dust bag included. French design.
Signature dust bag included. French design.
New Arrivals: Jerome Dreyfuss - Billy Bubble Beige Leather Tote
Added on : Thursday July 03rd 2014 09:00:05 AM
Signature dust bag included. French design.
Signature dust bag included. French design.
Signature dust bag included. French design.
Signature dust bag included. French design.
New Arrivals: Jerome Dreyfuss - Eliot Lips and Watersnake Small bag
Added on : Thursday July 03rd 2014 09:00:05 AM
Signature dust bag included. French design.
Signature dust bag included. French design.
New Arrivals: Jerome Dreyfuss - Bobi Blue Leather Crossbody Bag
Added on : Thursday July 03rd 2014 09:00:05 AM
Signature dust bag included. French design.
New Arrivals: Marni - Fussbett Antracite Felt Sling-back Flat Sandal
Added on : Thursday July 03rd 2014 09:00:05 AM
Fussbett Antracite Felt Sling-back Flat Sandal from Marni is crafted in beautiful dark gray felt for a chic alternative to suede. Featuring lateral, metal buckle, double banded detail set onto anatomic insole and rope-and-rubber sole. Made in Italy.
Soccer National Team Jersey Deals - World Cup Exit
Added on : Thursday July 03rd 2014 08:00:08 AM
g: 0 Posted By: rumblingandbumblin
Views: 241 Replies: 3 **Please, do not make this into a pro/cons of soccer thread**

Now that the World Cup is down to the final 8 teams, I figured that stores must be looking to unload jerseys for teams that are out.

With a little research, I found some warm, but not yet hot deals. Here are the best prices I found. Please improve upon this... there must be better deals. Please also be sure to only count stores selling the actual merchandise (lots of knockoffs out there).

Algeria - $63 (World Soccer Shop)
Cameroon - $70 (World Soccer Shop)
Italy - $68 (Sports Authority)
Ivory Coast (Cote d'Ivoire) - $70 (World Soccer Shop)
Mexico - $60 (World Soccer Shop)
Portugal - $68 (Sports Authority)
Russia - $63 (Adidas)
Spain - $45 (Sports Authority)
USA - I can't find any discounts



Clothing Deals

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

http://www.musiciansfriend.com/stupid

Product Description

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

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

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


Music Deals

Musician's Friend Coupons
WeatherHandler Tarps - 40% off @ Kmart
Added on : Thursday July 03rd 2014 12:00:18 AM
g: 0 Posted By: ctgolfer
Views: 111 Replies: 0 WeatherHandler Tarps & Covers 40% off

www.kmart.com/automotive-exterior-accessories-racks-carriers-tar...
Auto Parts Deals

Kmart.com Coupons
Claritin 45 gel-caps $5.00 clearance WM B&M
Added on : Wednesday July 02nd 2014 03:00:02 PM
g: 0 Posted By: gently
Views: 104 Replies: 0 The shelf said normal price was $25.xx clearance price was $5.00.
I usually buy store brand, but this was much cheaper.

Purchased 7/2/14 at WalMart King of Prussia PA - they had about 7 boxes on the shelf.
All the other versions of Claritin were regular price -- 3x-4x as much per tablet.
Expiration on my box - 06/15

Good luck finding it at your store.
UPC 041100809735

Less picky mobile check capture..paypal alternative
Added on : Wednesday July 02nd 2014 02:00:08 PM
g: 0 Posted By: mariemill
Views: 131 Replies: 3 Hello,

I am a very small ebayer and receive a few checks each month, usually from my older clients that are still "old school". (sometimes more than 5, sometimes less). I use paypal for everything (and use their debit card), it is basically my bank. I was very upset when the cancelled remote check capture as I used it every month. I know that many other debit card online banks offer the service but I have not found them to be as easy to use as paypal, most notably in what they will accept for deposit. I receive checks from a lot of people that either mispell my name, (I have one customer that often put eBay before my name etc, or put my eBay username infront of my name, looking like a business name etc.) and I found that as long as my name was on the check, no matter misspelled etc. that Paypal would accept it for deposit, hold it for 6 days and then credit my account. I have tried other online banks (for example SIMPLE bank) and they are SUPER picky with what they take (rejecting a check for a name misspelled etc), or not bright enough picture, etc. I have just found the paypal mobile deposit to be the easiest to use.

Does anyone know of any other entity like paypal that uses the same check processor etc. A debit card perhaps that takes mobile deposits that they aren't super strict with. I was really just hoping that paypal would change it's mind and bring back mobile check capture but who knows when that will change. I have been with paypal since the beginning and I really don't want to change. I will still use them for electronic payments and receivables but that leaves me with checks. Also, I have some mobility issues so I do everything from my house and I hate local bank fees.

any ideas from past experience of what others have used?

Thanks,
Discussion Deals
Fidelity Banning US Investors Living Overseas from Buying Mutual Funds
Added on : Wednesday July 02nd 2014 12:00:11 PM
g: 0 Posted By: NEDeals
Views: 104 Replies: 0 Fidelity is enforcing a tough new policy that prevents ex-pats from purchasing or making additional contributions to their mutual funds in their personal Fidelity accounts. Ex pats can still keep existing holdings. Employer plans are exempt (e.g. 401(k), 401(a), 403(b)) from the ban. Other companies are doing the same.

This seems to be in response to the US cracking down on international financial shenanigans. The recent fines and criminal cases levied against Credit Suisse and BNP Paribas have gotten the attention of financial institutions and they are looking to avoid any exposure.
Wall St Journal said: Observers said fund managers are becoming more conservative in the wake of global developments such as the U.S. Foreign Account Tax Compliance Act and other U.S. efforts....David Kuenzi, an investment manager in Madison, Wis., who works with Americans abroad, said that selling U.S. mutual funds to those investors had long been prohibited. "But it was matter of 'Don't ask, don't tell.' Now the firms are getting more aggressive about compliance," he said.Other fund companies also are changing policies for investors who live abroad.A spokesman for Putnam Investments said the firm is no longer accepting additional investments into existing accounts held by non-U.S. residents.The spokesman said the changes were made "in accordance with U.S. anti-money-laundering and 'Know Your Customer' policies" and in response to recent tightening of European laws limiting sales of funds not registered in their jurisdictions.


http://online.wsj.com/articles/fidelity-bans-overseas-investors-...
http://www.ibtimes.com/fidelity-ban-mutual-fund-trading-non-us-c...

Discussion Deals
ON SALE: Bric»s - Life Portofino Backpack
Added on : Wednesday July 02nd 2014 09:00:16 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.
Jersey Shore?
Added on : Wednesday July 02nd 2014 09:00:09 AM
g: -1 Posted By: brooklynguy
Views: 37 Replies: 1 Any good deals for staying near a major boardwalk and beach on the New Jersey shore?
Discussion Deals
Buying cars thru Copart, iaa, and others for fun and profit
Added on : Wednesday July 02nd 2014 09:00:08 AM
g: 0 Posted By: wagner03
Views: 129 Replies: 0 Hi,
looking to buy cars online thru copart, iaa or any of the other wholesale auction websites.

would use a broker, like Ing easy export or ridesafely or some others.

anybody have any experience using these companies? (Either the broker or the website itself)

i have been watching some of these auctions and see some of the same cars get put up for auction week after week, apparently, no one meets the reserve price.

thanks for your advice.



Discussion Deals
Lufthansa cracks down on lounge-food freeloaders
Added on : Wednesday July 02nd 2014 06:00:14 AM
g: 1 Posted By: newbiee1986
Views: 238 Replies: 6 "The man used the flexibility of the one-way fare to Zurich to repeatedly reschedule his travel plans after gaining access to food and drink, Munich district court said in a statement. Lufthansa canceled the ticket after more than a year and refunded the price, only for the man to purchase a replacement."

http://www.bloomberg.com/news/2014-07-02/no-free-lunch-at-lufthansa-as-court-fines-lounge-food-freeloader.html

Would you get free lunch if you work at the airport?
Discussion Deals
g: 1 Posted By: JohnnyHot
Views: 307 Replies: 0 Bad ass guitar.
Time to shred.Free ship. Don't be a yussp. m/m/
Music Deals

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

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

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

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

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

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

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

Discussion Deals
g: 0 Posted By: JohnnyHot
Views: 169 Replies: 0 Time to shred.Free ship. Don't be a yussp. m/m/
440 Currency Mini Metallic Lizard Embossed Wallet Clutch by DVF crafted in beautiful lizard printed metallic leather with the 440 signature metal and resin bar, has you turning heads with this little piece of glam. Featuring detachable leather handle chain strap for wear over the shoulder comfort, magnetic flap closure, gusseted sides, internal zip compartment and gold tone signature hardware detail. Signature dust bag included.
Different Credit Cards Benefits
Added on : Monday June 30th 2014 09:00:06 PM
g: 0 Posted By: Grizz73
Views: 133 Replies: 1 I've learned a lot about credit card rewards in FWF over the last several months, and it has been a really fascinating experience. Many credit cards also have benefits such as additional warranty on products purchased fully with a card such as Amex, and Visa Signature. What are some of the most valuable cards that offer great benefits both AF, and no AF cards? What card companies/banks are the most difficult to work with to claim benefits such as car rental collision waiver etc.? If there is already a thread discussing different cards and their unique and interesting benefits, please feel free to link it.
Credit Deals
Car Accident : How to deal with the other party's insurance?
Added on : Monday June 30th 2014 07:00:09 PM
g: 0 Posted By: ThriftGuy
Views: 92 Replies: 1 Hello FWF community,

I was rear ended by an SUV last weekend (Saturday - 6/28) and my Accord will most likely get totaled. There were no serious injuries, so the cops didn't file an accident report. The officer simply exchanged each others insurance information and gave me a blue form that I can complete and mail it to the state (TX). My car was towed to a Honda dealer. Same day, I've reported the incident to my insurance (Geico) and provided them with the other party's insurance (Old American Mutual Fire Insurance Co) info. Geico tried to reach them, but were closed over the weekend. Geico finally were able to talk to them today (Monday - 6/30) and the other insurance company, Empower (actual insurance provider) called me to get my statement. The agent said it would take at least 48 hours for them to send an appraiser to look at my car and so cannot get back to me until the beginning or mid of next week. Later, I looked up their reviews online and got terrified. I do not want to file a claim with my insurance but the other insurance has got the worst possible rating. Any one has any input on which way to go?

Unfortunately, I don't have rental coverage through my insurance and not sure if the other insurance would reimburse me even though the agent said they cover upto $30/day. Its already been 3 days without my car and been relying on friends and colleagues.

I would greatly appreciate if you can provide your valuable advise/input on how to handle this situation.


Discussion Deals
Which online retailers DO NOT yet charge sales tax for california?
Added on : Monday June 30th 2014 12:00:09 PM
g: 0 Posted By: SanDiegoDude
Views: 114 Replies: 1 Hey guys, I'm trying to find a list of internet retailers that do not charge sales tax for California residents yet.
Anyone point me in the right direction?
Thanks in advance!
Discussion Deals
Select Blu-ray James Bond Movies (22 titles) for $4.99 @ Best Buy
Added on : Sunday June 29th 2014 11:00:03 PM
g: 0 Posted By: ctgolfer
Views: 146 Replies: 0 Casino Royale (both the 1967 & 2013 versions)
Quantum of Solace
GoldenEye
Diamonds are Forever
From Russia With Love
The Spy Who Loved Me
A View To A Kill
Goldfinger
On Her Majesty's Secret Service
Moonraker
The Man With The Golden Gun
The World Is Not Enough
Die Another Day
Live And Let Die
Dr. No
Tomorrow Never Dies
Octopussy
The Living Daylights
You Only Live Twice
License To Kill
For Your Eyes Only

www.bestbuy.com/site/promo/save-on-select-blu-ray-123968
Movies Deals

Best Buy Coupons
Guarantee Issue vs Fully Underwritten Disability
Added on : Sunday June 29th 2014 09:00:05 PM
g: 0 Posted By: BNizzle
Views: 49 Replies: 0 I'm currently shopping for long term individual disability insurance, and I've been presented with a dilemma. There are two identical policies which differ by guarantee issue vs medically underwritten, that have initial yearly costs that are the same. I'm healthy, and I'm fairly certain that nothing serious will turn up on the physical, but you never know. Is there any reason why I would not purchase the guarantee issue policy over the underwritten one? Are rates more prone to increase on the GI? I'd be interested to hear your thoughts.
Discussion Deals
Balancing Luxury and Thrift
Added on : Sunday June 29th 2014 01:00:07 PM
g: 0 Posted By: BigManonCampus
Views: 106 Replies: 3 I'm currently looking at a new position which would increase my salary significantly, to the point that if we take the rule of thumb that housing should be 25% of your gross income, I could pretty much afford to rent anything in the metro area, McMansion in the burbs, high rise condo downtown, etc. That being said, I don't see the wisdom in spending every penny I can on housing just because it fits my budget guidelines. While I could live in a hole in the wall for about $400/month, I've worked hard to avoid having to do just that. On the other hand, I don't see the wisdom in spending five times that every month on rent either. There are a lot of options which would fit my needs for $650-$1,200 per month, obviously with the $1,200 per month apartments offering many more amenities and luxuries which I would enjoy, but could also live without.

Obviously, I could balance this out by spending $400/month on rent, then $2,000 on H&B, but at that point, I'm still putting the luxury ahead of the thrift.

So, I'm curious how the FWF crowd balances luxury and thrift and this discussion goes far beyond renting an apartment. Let's say that you have enough in the bank to buy a crown vic or a BMW //M5 (and pay for the new engine you'll need a year later after posting an FWF thread about it) obviously one is nicer, but how do you put a price on that additional luxury?

tl;dr: How do you price something that is purely a luxury good over a commodity which will serve the same purpose? (Based on the assumption that you can afford both options)
Discussion Deals
New Arrivals: Marni - Large Leather Trunk Bag
Added on : Sunday June 29th 2014 09:00:05 AM
Large Leather Trunk Bag by Marni, is crafted in luxurious leather in a box silhouette and was inspired by the new, chic bike culture popping up from NY to London. Featuring gusseted sides that fan out creating five compartments, including two zipped sections, a front pocket and a lockable front flap closure. Gold tone hardware detail. Special feature is the three way adjustable strap with metal studs with extension strip that allows you to go from handbag to shoulder bag to crossbody bag depending on your style needs. Made in Italy.
New Arrivals: Marni - Leather Trunk Bag
Added on : Sunday June 29th 2014 09:00:05 AM
Leather Trunk Bag by Marni, is crafted in luxurious leather in a box silhouette and was inspired by the new, chic bike culture popping up from NY to London. Featuring gusseted sides that fan out creating five compartments, including two zipped sections, a front pocket and a lockable front flap closure. Gold tone hardware detail. Special feature is the three way adjustable strap with metal studs with extension strip that allows you to go from handbag to shoulder bag to crossbody bag depending on your style needs. Made in Italy.
g: 0 Posted By: View
Views: 28 Replies: 1 I have a 15 years old house built by a reputable builder. (It wasa model home when they were building this community.)
We had a hail in our area that lasted for about 10 minutes. After that the street was flooded with roofing contractors and it seemed like everyone is getting a new roof.
The problem is that I have a 10k deductible on my insurance thinking I'm only insuring for major disasters. I do plan to pay out of pocket(and have enough savings) to self-insure up to 10k if there is a real need for any repairs.

My wife is getting really nervous that everyone is replacing their roof so our roof "MUST have hail damages".
So I went up totake a look and it seemed like the asphalt shinglesall looked just fine everywhere. I even tried to poke a few of them with a screwdriver but they seem steady.

Since I have a 10k deductible, should I even bother getting the insurance involved?
Or could my home be "the only super home on the street" that does not have hail damage?
Am I wrong to carry a 10k deductible to save my insurance premiums? I did it for a reason because the insurance premiums have gone up by more than 100% in since 2008.

I would appreciate any feedbacks. Thanks.
Discussion Deals
Financial Considerations of Working in The Adult Industry
Added on : Friday June 27th 2014 02:00:08 PM
g: 0 Posted By: mwa423
Views: 217 Replies: 9 While perusing the want ads today, I came across an ad for a finance position at a local sex toy manufacturing and distribution company. This is a pretty typical Senior Financial Analyst gig, which I'm perfectly qualified for. While I have no problem with what the business does, I realized that there is a strong potential for negative repercussions if I were to leave that company for any reason and try to move to a different one.

My concern stems from the fact that (as most (all?) of you are aware), my most recent job was I worked for a large circus. I've had a surprising number of employers who have told me that they were incredulous that my work there was relevant to the position to which I was applying. Some employers I have interviewed with actually told me they looked at it negatively that I would leave a "good job" and go run away with the circus. If employers see an issue with the circus on my resume, I can only imagine how poorly a potential candidate with experience from the company that sells the "Joy-Ride Vibrating Male Masturbation Sleeve" would be received in HR departments across the land.

An extension of this would be how concerned should an employee be of the reputation of their employer? For example, did a IT guy at Enron have trouble finding a new gig? Did the secretary at Madoff Investments get screwed by having Madoff on her resume? As an alternative, would it be reasonable to demand a premium in salary for working in a politically incorrect business?

tl;dr: How concerned should an employee be about the companies they have on their resume, assuming that their job titles and experience are in generally accepted fields?
Question Deals
g: 0 Posted By: mwa423
Views: 53 Replies: 1 While perusing the want ads today, I came across an ad for a finance position at a local sex toy manufacturing and distribution company. This is a pretty typical Senior Financial Analyst gig, which I'm perfectly qualified for. While I have no problem with what the business does, I realized that there is a strong potential for negative repercussions if I were to leave that company for any reason and try to move to a different one.

My concern stems from the fact that (as most (all?) of you are aware), my most recent job was I worked for a large circus. I've had a surprising number of employers who have told me that they were incredulous that my work there was relevant to the position to which I was applying. Some employers I have interviewed with actually told me they looked at it negatively that I would leave a "good job" and go run away with the circus. If employers see an issue with the circus on my resume, I can only imagine how poorly a potential candidate with experience from the company that sells the "Joy-Ride Vibrating Male Masturbation Sleeve" would be received in HR departments across the land.

An extension of this would be how concerned should an employee be of the reputation of their employer? For example, did a IT guy at Enron have trouble finding a new gig? Did the secretary at Madoff Investments get screwed by having Madoff on her resume? As an alternative, would it be reasonable to demand a premium in salary for working in a politically incorrect business?

tl;dr: How concerned should an employee be about the companies they have on their resume, assuming that their job titles and experience are in generally accepted fields?
Question Deals
g: 0 Posted By: remick
Views: 114 Replies: 0 Beginners Guide To Knitting Socks: Learn how to Knit Socks Quick and Easy
http://www.amazon.com/gp/product/B00E9M0H3U

4.8 out of 5 stars (8 customer reviews)

With this book you will learn:

Sock knitting basics such as sizing and knitting test swatches
How to choose the correct yarns and needles for knitting your socks
Sock Cast-on techniques, such as, long tail cast on, Eastern/ Turkish cast on
How to knit socks from the top down
How to knit sock from the toe up
How to avoid the dreaded sock knitting gusset hole.
How to knit two socks at once using circular needles
This book also includes 1 basic sock pattern and 1 ribbed sock pattern for you to work on.

BONUS: As an added bonus this book includes a knitting glossary at the end, for you to use to help understand knitting jargon!



One-Day Crochet: Christmas: Easy Christmas Projects You Can Complete in One Day
http://www.amazon.com/gp/product/B00L9LP608/

Create a beautiful Christmas craft in just one day!

Have you always wanted to learn to crochet but thought it was too difficult?

Have you considered crocheting a Christmas project but thought it would take too long?

Would you like to create a special and meaningful gift for someone or an ornament for yourself?

Are you looking for fun, easy and quick crochet projects to complete in just a day?

Have you seen those beautiful crocheted angels and snowflakes and wondered if it was possible to actually make one?

If any of these questions resound with you, then this book is for you! Inside you will find a review of the main crochet stitches and materials often used in crochet projects, in case you are new to the craft, or are looking for a refresher. Finally, you will find 10 beautiful Christmas patterns that can be completed in just one day. Note that these patterns will help you complete one Christmas project, or perhaps even a few ornaments in one day. For multiple copies of a project or ornament, you can expect that you will need more than one day to complete.

With this book, you can create the following Christmas projects:

- Santa napkin holders
- Reindeer hat
- Traditional ornaments
- Granny square stocking
- Tree ornaments
- Snowflake ornaments
- Wreath ornaments
- Christmas doily
- Mini stocking ornament
- Elf hat


(3 Book Bundle) "Beginners Guide to Knitting" & "How to Knit Hats: The Easy Way" & "How to Knit Fingerless Gloves and Mittens" (Learn How to Knit 7)
http://www.amazon.com/gp/product/B00IO6ZBXI

Book 1: "The Beginners Guide to Knitting"
This book will teach you:

Proper Knitting Needle Sizes
How to Choose Yarn
How to Cast on Knitting
The Most Popular Knitting Stitches
How to Start a New Ball of Yarn
Binding Off
Basic Color Knitting
How to Read a Knitting Pattern
Seaming and Finishing
Increases and Decreases
Knitting in the Round
How to Purl
How to Use Circular Knitting Needles
Knitting Wool
Book 2: "How to Knit Hats: The Easy Way"
This book will teach you:

Hat knitting basics such as sizing and how to determine your gauge
How to choose the correct yarns and needles for knitting your socks
Hat Cast-on techniques
How to complete the Knit Stitch
How to complete the Purl Stitch
How to complete the Stockinette Stitch
How to complete the Ribbed Stitch
Binding off your hat
This book also includes 4 hat patterns for you to work on (Rolled Brim Hat, Spiral Rib Hat, Seeded Slouch Beanie, Seeded Slouch Beanie).
Book 3: "How To Knit Fingerless Gloves And Mittens"
This book will teach you:

Fingerless Gloves And Mittens knitting basics, such as how to knit test swatches
How to choose the correct yarns and needles for knitting your gloves and mittens
Cast-on techniques
How to size your gloves and mittens
2 fingerless glove patterns
1 basic mitten pattern
1 mini-mitten pattern
Get Started Knitting a Fun Project Today!

Totally Free Deals
Where do you have your Roth IRA?
Added on : Thursday June 26th 2014 05:00:05 PM
g: 0 Posted By: travelbro
Views: 138 Replies: 9 I am going to use vanguard. What are you using and what made you choose them?
Discussion Deals
Liquor license costs by state
Added on : Thursday June 26th 2014 07:00:12 AM
g: 0 Posted By: gatormcse
Views: 127 Replies: 1 I have tried looking and run into sites which provide links to different states - some of which tell you what a package store license would run and others that do noot. Is there a site that any FW'erknows of which compiles all of the states adn their license costs and specifics?
Discussion Deals
List of Banks/CUs "Good" To Have For Various Reasons
Added on : Thursday June 26th 2014 05:00:10 AM
g: 0 Posted By: robronson
Views: 183 Replies: 1 In the past, opening a bunch of new bank accounts in a short period time was not a problem. In modern days, it can lead to adverse action as data mining/aggregation is more widespread, government anti-money laundering rules are stricter, and banks view this as risky behavior. Further, the account opening bonuses for many banks are becoming either non-existent, or much smaller. Thus, it may make sense to pre-plan opening a smaller number of bank accounts as small bonuses become available, not for the meager bonus money, but for access to the account. This could be for rate-chasing purposes or for access to best-in-class products one institution may offer over another.

For example, NFCU offers amazing 0% fee BT deals. They also, on occasion, offer a small bonus to sign up ($20 I think). It's a good idea to have an NFCU account (if you're eligible), but if you don't need one right now, it makes sense to wait for the next $20 account opening promo, and then just sit on that account until the next BT deal. That allows you to maximize the bonus while spacing out the account opening to look less suspicious.

Another example is Barclays. They seem to offer really high CD rates. I'm not currently in the market for a CD, but I may be next year, so I'm looking for any small bonus to open an account with them. I'm in no rush to do so, because I am at least 1 year out from needing to buy a new CD, so I have the luxury of waiting for the small bonus, and spacing out the account opening from other accounts.

The purpose of this thread is two fold:

1) To discuss whether this is a worthwhile strategy.

2) To make a list of banks and credit unions for us to keep an eye for bonuses that might not be worth the Chex inquiry/hard pull for the $20 bonus, but might be worth having the account for actual use, and free money is free money.

If the consensus is this a good idea, we can keep the quick summary updated with links to other FWF threads as small bonuses arise for any worthwhile banks/CUs.

I'll start:

Alliant Credit Union - offers a meager signup bonus on occasion. Has decent rates on HSAs and checking/savings account. Used to be one of the highest rates of any bank, has gone down over time, but is still very respectable and in the top quartile.

Navy Federal Credit Union - amazing credit card BT deals. Offer an obscenely high credit limit to people who probably don't deserve it, which could be you.


Deposits Deals
For all you realestate buyers - why ever set a price?
Added on : Wednesday June 25th 2014 06:00:09 PM
g: 0 Posted By: pillsdoughboy1
Views: 90 Replies: 4 I was thinking about this a little bit along with how arbitrary a home price is. Why would I ever structure an offer with a direct price?

Why not say something like, I offer 100k to 130k and my offer will be 5k more than the highest offer up to the maximum 130k?

This guarantees you have the highest offer, up to what you are willing to spend on the place. I wonder if their is some legislation against this because it is somewhat auction like. Additionally, not sure how the seller would disclose other offers.

Anyone try something like this?
Discussion Deals
Screening tenants
Added on : Tuesday June 24th 2014 11:00:07 PM
g: 0 Posted By: shankman007
Views: 36 Replies: 0 Long time lurker and sometime poster here. I purchased my first "rental" townhouse two months ago and have been looking for a suitable tenant since. The townhouse is in the Tampa Bay area. I am using a realtor to screen potential tenants and have also advertised on various websites (CL, hotpads, Trulia etc). The problem I am having is that the profile of tenants I have seen in the rental market I am looking is very disappointing. I have tried to follow the due diligence that is often discussed in this forum (credit history, past rentals, no major collections, etc) and most of the applicants who eventually put in an application (3x of them in total so far) have had various issues with their credit history or did not have enough cash to do a first/last month deposit (especially the person with no prior rental history). Also, I have put in a pet clause and have advertised an addition $25 per month pet fee + last month deposit. Pet owners are shying away because of this additional fee. The advertised rent is in the 1300-1500 range (so not exactly low end for that market). I have lowered the advertised rent twice since I first put up the townhouse for rent (the rent is down by $100 now). There are similar townhomes renting for the same price in that area. I did do some research on the supply/demand situation and the community I purchased the townhouse in seems to have few renters and the school district is stellar from what I hear. Further, there is not a whole lot of townhomes for rent in that community. There are clearly other factors at play here which is preventing me from finding a good tenant.

Any advice on how to find a decent tenant?
Question Deals
g: 0 Posted By: SwingNinja
Views: 51 Replies: 0 Hi,
I'm planning to go to Cuba some time this year. For some political reason, if you exchange USD straight to CUC (Cuban Convertibles), you only get 87 of a dollar. But not with other currencies like Canadian dollar or Euro or Sterling. So, is there a good place in US where I can get those currencies with minimal or no fee?

I read other forum post likehttp://www.fullofdeals.com/forums/travel-discussion/1370041/ and Google search and couldn't find any info.

Thanks.


Discussion Deals
g: 0 Posted By: washerdreyer
Views: 225 Replies: 0 ConEd is offering these as part of their CoolNYC program: https://www.coolnycprogram.com/about/. They'll send you up to five "modlets" that go between the plug on your ac unit and the outlet and allow for access over the internet and temperature scheduling, plus a $25 giftcard to a national retailer to be named later at the end of the summer. In order to participate you have to allow ConEd remote access, so they can decrease your power usage remotely on very hot days, though they also state that they'll send an e-mail warning before any such event and you can individually opt out each time.

I've seen this discussed on Fatwallet for previous years when it was available for central AC only, but don't think I've seen this exact program anywhere
Electronics Deals
g: 1 Posted By: remick
Views: 221 Replies: 0 http://www.amazon.com/gp/product/B00ATLF84I

Book I of the Big Book On Dissociate Identity Disorder was written for the general reader to educate them on the various types of dissociation in the dissociative contimuum. Book II is the second half of the book and is written for Counselors and Psycholigists in order to train them on the deeper aspects of the disorder. I have gone into details on the inner structuring of the mind and how it develops. Included is a breakdown of the 7 layers of the mind, conditioning and mind control programming.


also free

Hierarchy of Needs Counselling Care & Support
http://www.amazon.com/gp/product/B00FAPKYAQ

Discussing the meaning of Person Centred Philosophy in various settings. An insightful book discussing the Hierarchy of Needs and how these are enhanced by using Rogerian Core Humanistic/ Person centered principles. This examination focuses on the practitioner's values which contribute to a therapeutic growth based environment. The theories of Maslow and Rogers are dominant throughout. This book was created as part of a workshop discussing the attitudes required in delivering a Person Centered service in counselling/psychotherapy and social care, but many people have adapted these principles to teaching and parenting. This book contains some deviations in grammar and maybe little repetitive at times, but the insights contain essential understanding of the process of personal growth in a way that can be easily understood and appreciated. Subjects included are:

Environment, Actualising Tendency and Transcendence.
Conditions of Growth.
Congruence.
Unconditional Positive Regard
Empathy
Hierarchy of Needs
Basic Physiological Needs
Safety Needs
Social Needs
Esteem
Actualisation Needs
Books Deals

Amazon Coupons
BofA "ShopSafe desktop client is no longer in use"
Added on : Monday June 23rd 2014 12:00:08 PM
g: 0 Posted By: TheDiggler
Views: 86 Replies: 0 Last Friday (June 20, 2014),when launching the BofA ShopSafe Desktop Client, it responded with:
ShopSafe desktop client is no longer in use.

But you may still enjoy the ShopSafe online
shopping experience. Just access your accounts
online and select ShopSafe on either the
Account Overview or Account Activity pages.
That same day, when trying to access ShopSafe via the on-line account method above, it was unavailable (wouldn't even launch). Contacted BofA who put me through to a technical support dept. They(Tech Support) advisedthat software updates were being performed that day (and throughout the weekend) which would be completed by today (Monday, June 23rd). Until then, ShopSafe would remain down. Uponmentioningthe "no longer in use"message from theDesktop Client,theyadvised that they'reunaware of any plans to retirethat application, so itshould work again Monday.

Well,the on-line version of ShopSafe once again works today (Monday), but the Desktop Client continues to give the same error message as last Friday.I guess that's end of the BofA ShopSafe Desktop Client. Looks like I'll have to switch back to using Citi's Virtual Account Number (VAN) program, since they still have a working Desktop Client (although for a while they abandoned theirs as well, whichwas when I switched to BofA's client).

For those interestedin trying out theShopSafe Desktop Client for themselves, the Windows version can be downloadedhere:
https://www.mbnashopsafe.com/ShopSafe_Setup.exe
Discussion Deals
g: 0 Posted By: remick
Views: 32 Replies: 0 http://www.amazon.com/dp/B007S4ZJZM/

4.7 out of 5 stars (45 customer reviews)

In this "On Target Photo Training" volume we continue our discussion of light. Last time we covered hard light and how to work with it... this time we cover soft light, how to work with it - and when - and how to create and modify it.

This is the lighting most used in photo studios and no photographer should overlook this important topic.

As a bonus...you will also learn how to make your own softbox - no need to spend hundreds of dollars buying one when you can make it for under $10! Actually, you will learn to make two versions!

Here is the table of contents. this will show you some of what is included in this easy to understand volume.

Introduction
Dynamic Range
Narrowing The Lighting Ratio
Exposing For The Extremes
Dynamic Range Hierarchy
Why Care About Dynamic Range?
High Dynamic Range (HDR) Photography
Shadows
Shadows Determine What Type Of Light You Should Use
Spotlights
When You Don't Want Shadows!
When You DO Want Shadows
Deciding On Hard Or Soft Light
Soft Light
Soft Light Defined
The Photography Diffuser - A Portable Cloud
Hard And Soft Light From The Same Source!
Soft Light Advantage
The Umbrella
The Softbox
Make Your Own Softbox
Test Your New Softbox!
Other Soft Light Options
Composition
Composition Defined
Framing
Vignette
Shape
Size
Space
Mood
Diagonals
Symmetry
Clutter
Photo Exercise
Additional Photo Training
Totally Free Deals
Get 70% off Valvoline Wiper Blades @ Kmart
Added on : Sunday June 22nd 2014 10:00:04 PM
g: 1 Posted By: ctgolfer
Views: 173 Replies: 1 Get 70% off Valvoline Wiper Blades

www.kmart.com/automotive-replacement-auto-parts-wiper-blades&Kma...
Auto Parts Deals

Kmart.com Coupons
Death of Spouse, whats next?
Added on : Sunday June 22nd 2014 07:00:08 PM
g: 0 Posted By: whyhello
Views: 101 Replies: 1 Hello all-

A friend of mine has passed away, and now there have been a few questions arisen.
They were married. Man and woman. Man has passed away. Any insight information will be appreciated.
There is no will. There is no power of attorney.

Mortgage?
Under both names, husband death, widow does not work. (Contacting mortgage company to see if there was any insurance to cover the rest of the loan.)

Credit Cards? (Widow may be just an authorized user.)
Under both names, husband death. Widow liable?

Husband business?
Under husband only, husband death. Assets go to widow?

Medical Bills?
Under husband only, husband death. Widow liable?

Husbands assets - such as car, jewelry, etc?
All goes to widow?



What about for the kids of the dead spouse?

Are there any benefits in this matter?

Social Security benefits?

Kind Regards. Thanks
Discussion Deals
2015 Insurance price hikes - post yours here
Added on : Sunday June 22nd 2014 07:00:06 AM
g: 0 Posted By: xerty
Views: 312 Replies: 6 Depending on your state, you may have or will soon be getting a letter informing you of the coming changes to your 2015 insurance premiums under ACA. Please post yours premium change and your state if you're willing to share. I guess all those insurance company bailouts (via the HHS general budget) must not be kicking in yet, because they're planning to increase mine a fair bit:

+20% NY

So much for efficiency and cost savings.
Discussion Deals
2015 Obamacare price hikes - post yours here
Added on : Sunday June 22nd 2014 06:00:08 AM
g: 0 Posted By: xerty
Views: 188 Replies: 4 Depending on your state, you may have or will soon be getting a letter informing you of the coming changes to your 2015 insurance premiums under ACA. Please post yours premium change and your state if you're willing to share. I guess all those insurance company bailouts (via the HHS general budget) must not be kicking in yet, because they're planning to increase mine a fair bit:

+20% NY

So much for efficiency and cost savings.
Discussion Deals
Kaiser Bill via ObamaCare Bronze Plan...
Added on : Saturday June 21st 2014 04:00:09 PM
g: 0 Posted By: inac
Views: 25 Replies: 1 So, I got a Bronze Plan via ObamaCare. Being an independent contractor, I pay everything out of pocket - and, it didn't make sense to pay the penalty for not having health care.

I went in for the suggested initial checkup and screening. Doc told me everything was fine. All test results came clear. AFAIK preventative screening and checkup's are covered in full by the Bronze Plan. Two months later, I receive an extra ~$500 bill (I'd already prepaid $77 to Kaiser + $150 or so to ObamaCare's Kaiser Bronze Plan monthly).

I tried using their bill estimate tool online, and was told this should be free.

Unfortunately, I have to call in during work hours (9am to 5pm). But, yeah, $500 is kind of a shock - I wish that they gave me a ballpark in advance.

Has anyone visited Kaiser for a preventative screening under the Bronze Plan?
How much were you billed afterwards?




Discussion Deals
g: 0 Posted By: hellokitty27
Views: 177 Replies: 1 bestchoiceproducts via eBay has the 61-Key Electronic Piano w/ Standfor $69.95 w/ free shipping.

61 Keys
LCD Display
8 Percussions/Keyboard Percussion
10 Demonstration Songs
Rhythm Programming Function/Record & Playback
Sustain/Vibrato/Tune/Transpose
Keyboard Split Feature

Music Deals

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Solar Power
Added on : Saturday June 21st 2014 03:00:09 PM
g: 0 Posted By: dipeshpatel
Views: 6 Replies: 0 I am thinking of solar power for my house. Would you recommend leasing or purchasing. Any experiences? I have someone coming to my house with $0 lease plan. Willing to listen.

Thank you for any help.
Discussion Deals
First Kaiser Bill via ObamaCare Bronze Plan - Expensive?
Added on : Saturday June 21st 2014 11:00:09 AM
g: 0 Posted By: inac
Views: 71 Replies: 2 So, I got a Bronze Plan via ObamaCare. Being an independent contractor, I pay everything out of pocket - and, it didn't make sense to pay the penalty for not having health care.

I went in for the suggested initial checkup and screening. Doc told me everything was fine. All test results came clear. AFAIK preventative screening and checkup's are covered in full by the Bronze Plan. Two months later, I receive an extra ~$500 bill (I'd already prepaid $77 to Kaiser + $150 or so to ObamaCare's Kaiser Bronze Plan monthly).

I tried using their bill estimate tool online, and was told this should be free.

Unfortunately, I have to call in during work hours (9am to 5pm). But, yeah, $500 is kind of a shock - I wish that they gave me a ballpark in advance.

Has anyone visited Kaiser for a preventative screening under the Bronze Plan?
How much were you billed afterwards?




Discussion Deals
g: 0 Posted By: riznick
Views: 28 Replies: 0 Halfbrick games for IOS (iPad, iPhone) are free right now.



Colossatron: Massive World Threat
by Halfbrick Studios
$.99 -> Free
https://itunes.apple.com/us/app/id680436745?mt=8

Fish Out Of Water!
$.99 -> Free
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Fruit Ninja: Puss in Boots HD
by Halfbrick Studios
$2.99 -> Free
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Monster Dash
by Halfbrick Studios
$.99 -> Free
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Fruit Ninja HD:
by Halfbrick Studios
$.99 -> Free
https://itunes.apple.com/us/app/id370066032?mt=8

Age of Zombies
by Halfbrick Studios
$.99 -> Free
https://itunes.apple.com/us/app/id395627741?mt=8
Lewis N Clark Wheeled Duffel or Upright $49.99 @ Woot
Added on : Friday June 20th 2014 10:00:03 PM
g: 0 Posted By: ctgolfer
Views: 107 Replies: 0 shipping adds $5

Your Choice:

Lewis N. Clark 27 Inch Wheeled Duffel Bag:

Unique design also allows it to stand upright
100% Polyester
Locking handle trolley system with two heights and heavy-duty corner and bottom protectors
Large main zip compartment
Front and side zippered pockets
Rugged inline skate wheels
~or~

Lewis N. Clark Luggage 25 Inch Wheeled Upright:

100% Polyester
Reinforced carry straps and compression strap with side release, secure your load for rough handling
This case features a unique 60/40 split between the two main compartments that helps you organize more efficiently
7 inch bottom compartment includes two compression straps and 2.5in expandable gusset

http://home.woot.com/offers/lewis-n-clark-wheeled-duffel-or-upri...
Luggage Deals

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

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

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

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

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

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

Here's some random ideas that may work:

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

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

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

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

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

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

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

I'm writing this for student loan debt forgiveness but feel free to use this to discuss any current 2014 debt forgiveness/insolvency testing issues.
Discussion Deals
Miracle-Gro Garden Soil and others MiracleGro Products - Rebates
Added on : Thursday June 19th 2014 07:00:05 AM
g: -1 Posted By: deals4travel
Views: 2715 Replies: 11 Miracle-Gro Garden Soil FAR

https://scottsmiraclegrorebates.com/PrintableVersion.aspx?offer=14REB11&clientnumber=71549&offerid=109319

All the Rebates listed here. Many more rebates still active currently

https://scottsmiraclegrorebates.com/Step2.aspx?manufacturer=71549

here are the 2 items discussed available at ACE

http://www.acehardware.com/product/index.jsp?productId=1335644
http://www.acehardware.com/product/index.jsp?productId=1335645

They are similarly priced to Amazon

www.amazon.com/Miracle-Gro-Garden-Soil-Shrub-Cubic/dp/B00GTDI19Y
www.amazon.com/Miracle-Gro-Garden-Flower-Vegetable-Cubic/dp/B00G...

You can mix and match the bags upto 10 bags. Get $2 back per bag minimum is 2 bags.

Garden Deals
banking opperations
Added on : Thursday June 19th 2014 02:00:07 AM
g: 0 Posted By: tink3975
Views: 64 Replies: 2 I recently read quite a few responses to(what banks fingerprint you and which ones don't) . I heard some of the funniest responses, not just one. First off banks are only allowed to ask for you state i'd. If they ask for your social or your fingerprint and you decide not to give out that information then that is your right as an American citizen to keep your debtor number, as it should be called. You use your as card to keep up with your debt. Today if you owe money to the bank you are put on check systems. Which turns over every 5 years. Not you credit. The only way they can garnish your wages, throw you in jail or apply it to your credit is through the courts. They have to sue you and prove without a doubt you owe this money. They never think you will show up so they never bring the correct documents. Ask for one page if they can't produce it case dismissed. Now the reason I HAD to say something is because Americans recieve the wrong information through different sources such as these message boards. Spend more time at a library studying the constitution and all amendment. If a bank turns you down for not giving them your social you can sue them. Nothing besides credit cards go through you social. Banks use your I'd to list you on check systems. NOW the funny thing I heard many people say which horrifies me as an American citizen that there are so many uneducated Americans. More than once and I quote the only people whose fingerprints show anything is if they have been scanned before for either for getting in trouble or having a business license or some sort of document you put your print on. Ok first and funniest everyone has been fingerprinted....when you are born. And since so many are so undereducated let me guide you to investigate more about what your rights are. You can even deny fingerprinting in jail. The process may take a but longer but that up to you. Most just listen and do what they are told. The only thing you are even required to give the police is what they ask for first off. Licence and registration. Now back to the bank not letting you open some kind of account without giving your social. You syes because they defiled your right to withhold your private information. That is against the constitution. Bank don't have time for court usually well maybe...bend over backward- REALLY? At least they're honest. All a bank does is take your money, keep up with your amount that you are letting them hold on to for a price usually. And most of our money is tied up in the stock market. You are investing in that bank and if it fails to properly use their customers money they go bankrupt and get out quick. Now for a normal person you say my money is right there they are not using it for profit..... A bank is a business just like any other. They must pay their employees which some make triple digits btw and we pay them to not mess up. Now there are I m not going to say good but decent banks with great interest rates as long as they don't go under or get our ol famous bailouts. Check how many banks got OUR money to decide how to fix the problems. A lot of banks still couldn't make it or where not close enough to the government to get the bailouta or become an elite group of bankers who work the treasury dept. If I m not mistaken please forgive me for my ignorance but I believe there are 5 treasury dept employees that not only got the biggest bailout, enough for personal 20000 $ bonuses inside the company but then they manage all our debt cause we don't have money, but they sure do. Extensive paychecks, personal vehicles, gascards, you name it. State government are finally getting recognized for all OUR money. I know I m going on and on. Last info before I go the government has you on record wether you have done anything wrong or good. They hear your calls, they check your email..... In the name of safety and security.lol yea if they need to find you they will. It may take 20 years or even after you are pronounced dead.....Jesus were dumb. Or just be Snowden and go tell the people we owe millions of trillions of $ to that we are illegally spying on them and asked for protection. Some say he is a traitor I personally think he is doing right by himself. He knew he saw stuff and dipped. Cause here we kill people that are problems or disagree with our misguided used of what our founding fathers stood for, or the homeless sick and old veterans starving on food stamps if at all, we give little pricks all the power. Everyday all day. Why would one person matter. Why do we not stock together like Egypt? Why do we constantly allow the few to speak geberish and fight over the most trivial things....I could fix all our problems: no job? To many people. I m not racist in anyway but how does it make any sense that we don't have enough work for American born citizens why would we continue to accept new visas. If you became a citizen correctly and not hopped over the border and pop a kid out. Sound harsh? You pay for them. They get grants for a house, a car and a tax free business for 5 years then switch it to another family members name to avoid taxes. I have an Indian friend who explained what he has been soon for years. Then instead of pumping the $ into our amazing country that they had to come to they send it home. Now I do believe black people (yes I m white) and black people came from all over under the assumption they too would work and be taken care of only to be enslaved and kept here against their will. And they don't get approved for grants half as much as they should and usually its nowhere near what they deserve or what they need. The majority fight in the streets for not even a quarter of old Richey rich who is older than sort most the time. Or even the American Indians. No foreigner should be allowed to take our hard earned cash to make a living. I don't mean to sound heartless but if your country is that bad, then God places you there for a reason. I think some.not all of 3rd world countries are better off. We eat things that we created- we have horrible FDA standards- our income gaps are atroshish. Who ever thought a man that plays a game would make millions and our teachers,police officers, and emergency personal make barely over min. Wage. Let the visas run out and shot since we give then grants anyways help the get on their feet at home until population control and the economy gets back to Clinton days. Oh who cares he got his young sec to go down on him, if his wife obviously didn't care. He made us money, I could leave out one day and have five jobs. Now we live on too of one another either so rich the the united states were suing him for monopolizing the internet, which how do you monopolize on something you created..anyway- or we have the I'm middle class who look rich but have nothing because their pride and greed.or you have the almost what 75% of our population is starving and then they buy the most cheap groceries which are full of hormones and God knows what else. I know I said I would stop and I am but last last thing I would recommend finding out more about you social security card all together. Find out what all the numbers and letters mean. It will shock you
Discussion Deals
Walt Disney World
Added on : Thursday June 19th 2014 02:00:07 AM
g: 0 Posted By: TeryJack
Views: 8 Replies: 0 Walt Disney World is an amazing attraction in Florida. It attracts thousands of people every year especially families for its fun and entertaining activities. The Magic Kingdom, ‎Epcot, ‎Disney's Hollywood Studios and ‎Animal Kingdom are the most attractive places to visit there. Here I am going to share some links that are very useful to get further details about things to do at Walt Disney World:
https://disneyworld.disney.go.com/activities/
http://en.wikipedia.org/wiki/Walt_Disney_World
Guys! Have you ever been there? Let me know about your favorite things to do there.
Discussion Deals
g: 0 Posted By: ctgolfer
Views: 130 Replies: 0 Wi-Fi Built-in and Wireless Direct Compatible for Easy Set Up
4K Ultra HD Pass-through for Super High Resolution Images
HDMI with 3D and Audio Return Channel
HDMI CEC for Easy Operation
Discrete Amp Configuration for High Sound Quality
AirPlay Allows Streaming Music to AV Receiver
Stream Millions of Songs with Spotify Connect
HTC Connect for Wireless Streaming
AV Controller App for Easy, Convenient Operation
USB Digital Connection for iPod and iPhone on the Front Panel
7-channel powerful surround sound
115 W per channel (8 ohms, 1 kHz, 0.9% THD, 1-ch driven)
80 W per channel (8 ohms, 20 Hz-20 kHz, 0.09% THD, 2-ch driven)
HDMI (6 in / 1 out) with 4K Ultra HD pass-through for super high resolution images
AirPlay, Pandora, Spotify music streaming service and AV Controller App
HTC Connect for music streaming from HTC Connect compatible smartphones
Front panel USB digital connection for iPod and iPhone
FLAC, WAV 192 kHz / 24-bit, Apple Lossless 96 kHz / 24-bit playback
Virtual CINEMA FRONT provides virtual surround sound with five speakers in front
Extra Bass enriches powerful bass sound even with small speakers
Assignable amplifiers for bi-amp connection and speaker Zone B function
Two subwoofer outputs (simultaneous outputs)
Gapless playback compatibility allows play without interruption
YPAO sound optimization for automatic speaker setup
Multilingual color OSD for improved visibility (English, German, French, Spanish, Russian, Italian, Japanese and Chinese)
ECO mode operation for about 20 percent less power consumption
Includes Receiver, Remote, and Antenna
Dimensions: 17.1 x 6.4 x 12.4
Weight: 17.9 pounds
Brand: Yamaha
Model: RX-V577
Condition: New
Warranty: 1 Year
Packaging: Retail

http://1sale.com/electronics/tv-home-theater/wifi-network-av-rec...
Electronics Deals

1Sale.com Coupons
Help with 457 options, allocation and investments
Added on : Wednesday June 18th 2014 05:00:07 PM
g: 0 Posted By: beefynacho
Views: 82 Replies: 0 I've gotten a late start to retirement planning, but hopefully getting my ducks in a row now. I'm meeting with my employer ING rep next week to choose and discuss my 457 options.

Background:
38 years old. City employee with pension. Can retire at 57 with 100% of highest year salary (estimating 90K)
Just started maxing out a Roth IRA last year: Vanguard Target 2035

ING/Voya 457 Options under 1.00% ER (I plan to invest up to $500/month)

VY T. Rowe Price Capital Appreciation Portfolio .90
Fidelity VIP Contrafund Portfolio .64
Fidelity VIP Equity-Income Portfolio .56
Voya Index Plus LargeCap Portfolio .45
VY BlackRock Large Cap Growth Portfolio .81
Fidelity VIP Growth Portfolio .66
742 Voya Large Cap Growth Portfolio .67
Pioneer Mid Cap Value VCT Portfolio .72
Voya Index Plus MidCap Portfolio .50
Voya Index Plus SmallCap Portfolio .51
Voya International Index Portfolio .58
Voya International Value Portfolio .96
VY Oppenheimer Global Portfolio .75
Fidelity VIP Overseas Portfolio .85
Voya Global Bond Portfolio .70
VY PIMCO Bond Portfolio .83
Voya Targets .98

Does anyone have suggestions how to allocate my 457 options or other investment advice? Any questions? Thank you!
New User Question Deals
How to get the pricemaking algorithms give the best price?
Added on : Wednesday June 18th 2014 09:00:14 AM
g: 0 Posted By: swampwiz
Views: 232 Replies: 1 I was reading this (amazingly quite old) article about how retailers use algorithms to figure out how to best set a price to maximize revenue (which obviously we would like to be as low as it can go!)

http://edition.cnn.com/2005/LAW/06/24/ramasastry.website.prices/

I am wondering how to goose up this algorithm to get the lowest price. Any ideas or good articles about this?
Discussion Deals
Charlotte Russe: B1G1 for $10 Sitewide
Added on : Wednesday June 18th 2014 07:00:06 AM
g: 0 Posted By: ShoppingChick
Views: 221 Replies: 0 Charlotte Russe has Buy 1 Get 1 for $10 sitewide. Shipping is free when you spend $50.
Clothing Deals

Charlotte Russe Coupons
Any real benefit to HRA over FSA?
Added on : Wednesday June 18th 2014 04:00:11 AM
g: 0 Posted By: NonReturnable
Views: 0 Replies: 0 My employer has 3 options for health insurance.

3. No frills, no HRA
2. $1000 HRA, but costs you $1000 more a year over option 3.
1. $2500 HRA, costs you $2500 more a year over option 3.

I have option 2. I also pay $500 into an FSA to help cover some of my wifes prescription drugs over the year.

As of right now, my FSA has been emptied. I have $1500 in my HRA.

I had a root canal done yesterday. Turns out, even though the IRS says HRAs can be used to pay for dental, my companies HRA will not. I do not know why they made that decision. I also can not move money from my HRA to my FSA.

Is there any advantage of an HRA, over an FSA? Or, next year, should I just go with the cheaper option, and put an extra $1000 into my FSA myself, this way I'm not limited on what I can use the money for (as long as its medical related)?

Looking through what my company deems I can use the HRA money for, its really trimmed down compared to what the IRS says I can use HRA for. Eg, I also can't use it for paying for a gym membership (my doctor said she would write me a letter for it) even though the IRS says that's ok.

Only advantage I can think of is my company prefunds my HRA. But, I have a pretty even spend over the year, so its not a big deal to me.

Very frustrated right now that I have this money sitting in this HRA account, but I have to pay for a root canal and cap out of my own pocket.

I've discussed this with HR, and they say "well, we fund that HRA for you! We're giving you money!" No your not, I still have to pay an extra $1000 over the course of a year for it, so its not free at all.
Problems with CITI bill payment system
Added on : Tuesday June 17th 2014 07:00:04 PM
g: 0 Posted By: ptiemann
Views: 31 Replies: 0 I got a call this morning from a dentist (about 80 miles away, I never heard of him) - they had received a check from by business account over $232 .. supposedly a patient's payment and they wanted to know for which patient / invoice this was to apply.

- I had never been to that dentist
- I never paid any medical bill out of this checking account

I was able to talk the lady from the dentist office into mailing the check to me. I looked at my bill payment section on citibank.com and no payment of $232 had been taken out of my account.
CITI's bill pay feature removes the funds from your account, then a paper check is mailed out.
It appears that the funds are taken from the source account (mine), put into an intermediate account and the payee receives a check drawn from the intermediate account - so that does not show my account information.


I am posting this to see if this has happened to anyone else. I do use CITI's bill payment quite a bit (~10 payments a month) -- this is a business account, and I am the only one with access to it. I believe that my password is fairly strong and I never use it from a public computer.

And before anyone comments about it - yes, there might also be a potential to scam CITI for $232. (Return the unused check in a CITI branch) - no I won't do that.

edit:
interesting research technique would be to ask the dentist for a list of all customers with an open bill of $232.
Discussion Deals
g: 0 Posted By: hellokitty27
Views: 150 Replies: 0 acc-mart via eBay has the Oulm Men's Russian Military Dual Time Watchfor $7.99 w/ free shipping.

Quartz battery
Faux leather strap
Stainless steel case
Dual time display

Watches Deals

eBay Coupons
Amex Blue Cash, no Amazon prime, no $100.00 credit
Added on : Tuesday June 17th 2014 01:00:09 PM
g: 0 Posted By: Churchland
Views: 94 Replies: 1 I applied for the Amex Blue cash offer earlier this year offering 1 year of Amazon prime & $100.00 statement credit. After fulfiling the requirements, nothing. I called customer service and said it would take 6-8 weeks to investigate (stall tactic?). Filing a complaint with consumer CFPB & BBB did not help. Amex claimed I never applied for that offer. I guess you need to take screenshots when you apply, not sure if that does any good with these companies.
Discussion Deals
FBAR Reminder (June 30, 2014)
Added on : Tuesday June 17th 2014 10:00:19 AM
g: 2 Posted By: posthaste
Views: 118 Replies: 1 http://www.nestmann.com/why-you-shouldnt-gamble-with-uncle-sam
Discussion Deals
Savingstar to Expand to More Stores in July
Added on : Monday June 16th 2014 08:00:14 AM
g: 0 Posted By: yoregano
Views: 114 Replies: 0 I just read this post from Savingstar on FB:
Savingstar said: We're excited to announce that you'll be able to redeem SavingStar offers at these great stores in July: WalMart, Target, Kmart, Meijer, Walgreens, Dollar General, Family Dollar, and WinCo! Stay tuned for more details in July. Which store are you most excited about?

Glad to see this. More options is always better, with more potential for MM opportunities.
Discussion Deals
Free Advance Screening of HBO's new series - the leftovers
Added on : Monday June 16th 2014 06:00:11 AM
g: 0 Posted By: remick
Views: 149 Replies: 0 https://usscpromotions.com/ew/theleftovers_screening/

Atlanta
Chicago
Dallas
Houston
Minneapolis
San Francisco
Seattle
Washington DC
Totally Free Deals
Using Enterprise discount codes FYI
Added on : Monday June 16th 2014 02:00:11 AM
g: 0 Posted By: JiggleTheHandle
Views: 40 Replies: 0 General FYI... I never saw this before, and I have been using Enterprise for years...

Started the booking process with no corporate account ID and no coupon, and it gave me $290 for a weekly rental.

Put in some corporatediscount codes, and the price increased by varying amounts to as much as $329 for the same car and time. Some codes decreased the $290 by a few dollars.

Anyway, this is the first time I have ever seen using a code INCREASE the cost from a base no-discount-code price.

I would suggest starting your booking in one browser with no codes,see what the base prices is and keep it active (Enterprise.com has a timeout limit), while using a different browser totest out codes.
General Discussion Deals
g: 0 Posted By: remick
Views: 1 Replies: 0 http://www.amazon.com/gp/product/B00BLVGPRO/

4.6 out of 5 stars (17 customer reviews)

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

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

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

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



also free

6 Lies People Believe About Divine Healing
http://www.amazon.com/gp/product/B00BDV03XO

Theological Terms in Layman Language
http://www.amazon.com/gp/product/B003WQBECM

Amazing God Stories: Inspirational Christian Stories of Miracles From God
http://www.amazon.com/gp/product/B00HPJNHIQ/
Cloud Hashing - Opinion?
Added on : Sunday June 15th 2014 02:00:12 PM
g: 0 Posted By: burgerwars
Views: 93 Replies: 1 I'm willing to throw $299 into Cloud Hashish's bronze contract. Since I can pay with Bitcoin (I got a couple I purchased for a cheap price last year) it's nothing new out of my pocket. Just play money.

How much do you think I'll lose or maybe earn? I've never been a fan of bitcoin, but since it exists, maybe I shouldn't totally ignore it.
Discussion Deals
Amazon: 20 Popluar Fiction eBooks $1.99 *Today Only*
Added on : Sunday June 15th 2014 10:00:07 AM
g: 0 Posted By: SieSilverStars
Views: 82 Replies: 0 Amazon is offering 20 popular fiction titles that are on sale for $1.99 ea. Here's the list:

When I Found You by Catherine Ryan Hyde
The Mighty Storm (The Storm Series) by Samantha Towle
Wethering the Storm (The Storm Series) by Samantha Towle
The Wretched of Muirwood (Legends of Muirwood: Book 1) by Jeff Wheeler
The Blight of Muirwood (Legends of Muirwood: Book 2) by Jeff Wheeler
The Scourge of Muirwood (Legends of Muirwood: Book 3) by Jeff Wheeler
Angelfall (Penryn & the End of Days: Book 1) by Susan Ee
World After (Penryn & the End of Days: Book 2) by Susan Ee
Wild Montana Sky (The Montana Sky Series) by Debra Holland
Starry Montana Sky (The Montana Sky Series) by Debra Holland
Stormy Montana Sky (The Montana Sky Series) by Debra Holland
Brainrush (Brainrush 1) by Richard Bard
The Enemy of My Enemy (Brainrush 2) by Richard Bard
Beyond Judgement (Brainrush 3) by Richard Bard
The Righteous (Righteous Series: Book 1) by Michael Wallace
Might & Strong (Righteous Series: Book 2) by Michael Wallace
The Wicked (Righteous Series: Book 3) by Michael Wallace
The Blessed and the Damned (Righteous Series: Book 4) by Michael Wallace
Destroying Angel (Righteous Series: Book 5) by Michael Wallace
The Gates of Babylon (Righteous Series: Book 6) by Michael Wallace
Burning Man (A Gideon and Sirius Novel) by Alan Russell

Books Deals

Amazon Coupons
Black and White Optical Print Leather Loafer by Proenza Schouler, is crafted in embossed calf leather and sleek leather in a classic smoking slipper design. Featuring almond toe, elasticized gussets, black leather topline, heel tab and outsole. Leather lining and sole. Made in Italy.
20% off all "hair care" @ Drugstore.com
Added on : Sunday June 15th 2014 08:00:02 AM
g: 0 Posted By: bittul
Views: 36 Replies: 0 Click link below to activate.

http://www.drugstore.com/templates/featured/default.asp?catid=33...

Shipping is free with Shoprunner (most items) of after $35.

I'll try and post a few nice deals as I find them, just note that the promo is once per account.

Here are a few for starters (all with Free Shoprunner shipping):

Studio 35 Beauty, set of 12 Hair Elastics and 12 Headwraps: $0.71
http://www.drugstore.com/studio-35-beauty-hair-elastics-and-head...

Vidal Sassoon Pro Series Waves Hair Primer Spray (5.07 fl oz): $1.11
http://www.drugstore.com/vidal-sassoon-pro-series-waves-hair-pri...

TRESemme Flawless Curls, Bouncy Curls Defining Gel (8 oz) $1.88
http://www.drugstore.com/tresemme-flawless-curls-bouncy-curls-de...

Aussie Daily Clean Shampoo (13.5 fl oz): 4 for $6.48
http://www.drugstore.com/aussie-daily-clean-shampoo/qxp457706?ca...
New Amex account
Added on : Sunday June 15th 2014 06:00:11 AM
g: -1 Posted By: txguy6016
Views: 30 Replies: 0 My wife opened a new Amex account 10 days ago. She received the card and began using it without trouble. She received an email today saying there was a security concern and that the card was shut off until everything could be cleared up. My wife called and Amex says they need to contact our financial institution to verify her information on her application to make sure it wasn't fraudulent. Has anyone ever gone through this. It seems ridiculous, but didn't know if this was common with new accounts.

Thanks!
Discussion Deals
g: 0 Posted By: ctgolfer
Views: 121 Replies: 0 shipping adds $5

PROTECT YOUR STUFF
2-year protection plan: $11.99 Buy Now
Bluetooth Powered Outdoor Speaker - Incredible sound in the great outdoors - A single large stereospeaker provides excellent sound in a wide sound stage - Optional AirPort Express (1st generation) connections for use with Apple AirPlay*
*System uses either the Bluetooth adapter or the AirPort Express they cannot be used simultaneously

Wireless Freedom
The AirGo Outdoor Sound System is a portable amplifier Bluetooth speaker dock, with the option of using an AirPort Express (1st generation). With the AirGo Outdoor you can stream music from an AirPlay compatible device via the Apple AirPort Express, or use the included Bluetooth Adaptor for use with Android or iOS.

Hotspot Flexibility
Since the Apple AirPort Express also has the ability to simultaneously act as a Wi-Fi repeater, the AirGo can also offer a Wi-Fi hotspot while listening to music at the same time, virtually anywhere.

Great Sound in the Great Outdoors
As a high performance, quality outdoor sound system, the single large stereo speaker provides excellent sound quality and a wide sound stage. Place it on the deck near the house to cover the deck and backyard while having a cookout. Put it on the driveway near the garage when washing the car. Place it on the ground near the front door during seasonal events to play music and sound effects of your choice to match the occasion!

Fun to the Next Level
The AirGo Outdoor is easy and fun to use. With the Bluetooth adapter installed, simply stream music from your iOS or Android device. When upgrading to an AirPort Express, you can surf the net from your internet device at the same time. The bottom line is the AirGo Outdoor is fun, sounds great and brings outdoor recreation to the next level.


http://electronics.woot.com/offers/airgo-bluetooth-outdoor-speak...
Headphones & Speakers Deals

woot! Coupons
g: -1 Posted By: ctgolfer
Views: 95 Replies: 0 After receiving a devastating cancer diagnosis and the staggeringly costly treatment plan that comes along with it, high school chemistry teacher Walter White (Bryan Cranston) puts his expertise to use by taking up an unorthodox new hobby: creating the perfect methamphetamine. When he develops a reputation for quality goods, Walter finds himself deeply immersed in the drug world, his part-time job having become a full-time preoccupation before he could truly understand the repercussions it would bring upon himself, his family, and his partner in crime Jesse Pinkman (Aaron Paul). This collection includes all five seasons of the groundbreaking television show from AMC.

www.bestbuy.com/site/breaking-bad-the-complete-series-with-bonus...


Breaking Bad: The Complete Series [21 Discs] (DVD) - $84.99
www.bestbuy.com/site/breaking-bad-the-complete-series-21-discs-d...
Blu Ray Deals

Best Buy Coupons
Tote Bag and Birthing Center Information Packet
Added on : Saturday June 14th 2014 10:00:10 AM
g: 0 Posted By: sunpuppy
Views: 120 Replies: 0 http://christusspohn.org/Birthing
Totally Free Deals
kingsizedirect.com 2 Days Only: Extra 40% Off
Added on : Saturday June 14th 2014 04:00:09 AM
g: 0 Posted By: DaysFan
Views: 195 Replies: 0 2 Days Only: Extra 40% Off http://www.kingsizedirect.com
Does not apply to Clearance items or Shoes. 40% off your highest priced item and 40% off your next highest priced item with the purchase of 3 or more items applies to merchandise total, not including shipping and handling or taxes. Discount applies to single units of items. 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 KS41604 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 6/15/14 at 11:59pm ET
Clothing Deals
IRA - Required Minimum Distribution Request - In Person REQUIRED?
Added on : Friday June 13th 2014 02:00:07 PM
g: 0 Posted By: mikk1
Views: 108 Replies: 2 Mom has an IRA with a local bank. She's at the point where she has to take required minimum distributions from the IRA. She's also at the point where she doesn't want to go into the bank to fill out the paperwork. Bank says requests can only be submitted in person, refuses to mail forms.

I call BS, as an "in person" requirement couldn't exist for any of the online only banks.

Beyond pulling the funds from this bank, anyone have relevant facts/examples I might use for a discussion with the bank's management team? How is this handled for people confined to nursing homes or others who might be physically unable to go into a bank?
Question Deals
False tracking from Groupon, class action lawsuit?
Added on : Friday June 13th 2014 01:00:06 PM
g: 0 Posted By: deeder
Views: 132 Replies: 9 Ordered an item from Groupon and I received a tracking number which is not an acceptable tracking number. I received two letters in place of where the number codes should go which identifies the ups method of shipment. I brought this up to Groupon in an email and am awaiting their reply.

I looked on the internet and apparently this has happened to others as well so I believe it was no accident and am wondering if anyone here has also experienced this and would like to be part of a class action lawsuit so we can recover assets from Groupon in a civil matter and pursue criminal charges for manipulation of tracking numbers and giving purchasers false information intentionally in violation of the fair credit act and other laws.

Waiting to see what will happen in 48 hours but if answer is not acceptable or manipulation has occurred I will issue immediate chargeback and pursue this matter in the courts on behalf of a larger class.

As as a tech firm there is no reason they should not have UPS checksum checking to make sure these events don't happen.

This smells of fraud all over it unfortunately.
Discussion Deals
ON SALE: Versace Jeans - Blue Patent Eco Leather Vertical Tote
Added on : Friday June 13th 2014 09:00:10 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.
Need help maximizing Nerf/Quaker chewy coupon
Added on : Friday June 13th 2014 07:00:13 AM
g: 0 Posted By: timx
Views: 183 Replies: 0 WalMart had some tear pads on the Quaker Chewy display (for those that don't know, these are kind of a granola bars for kids). My kids eat these anyway so any bonus is a free bonus for me. Coupon says $5 off any Nerf item ($9 or more) when you buy 1 Quaker chewy 20-24 count box or 2 Quaker chewy 10-14 count boxes. Doesn't appear to be limited if you have more than one coupon, I think any Nerf buy one/ get one 50% off sale would be in play as long as its over $9... exp 6/30.. I'm not even sure what forum I should be posting this in, as it really isn't a "hot deal" more like a call for help... Figure its gotta be a store that sells both, ie WalMart, Target, Kmart, etc...
Discussion Deals
All DieHard Work Boots 50% off w/FS @ Sears
Added on : Friday June 13th 2014 06:00:05 AM
g: 0 Posted By: ctgolfer
Views: 146 Replies: 0 Get 50% all DieHard work boots

free shipping

www.sears.com/clothing-shoes-jewelry-shoes-men-s-shoes-men-s-wor...
Shoes Deals

Sears Coupons
UNITED Airlines changing how mileage is earned
Added on : Thursday June 12th 2014 05:00:09 PM
g: 0 Posted By: gotsmack
Views: 86 Replies: 0 Starting March 1, 2015 they are basing miles earned on the price of the ticket.

Member = 5 miles per $1
Premier Silver = 7miles per $1
Premier Gold = 8 ​miles per $1
Premier Platinum = 9 ​miles per $1
Premier 1K = 11 ​miles per $1

I don't know if they're changing the cost of miles per free flight though

http://mileageplusupdates.com/
Discussion Deals
Your carryon luggage may be obsolete
Added on : Thursday June 12th 2014 12:00:06 PM
g: 1 Posted By: DSJ
Views: 74 Replies: 0 Effective today,American Airlines cut its carry-on restrictions to a max width of 14 inches, down from the former 15. DeltaandUnitedhave followed suit.
Discussion Deals
g: 0 Posted By: MISTERCHEAP
Views: 92 Replies: 0 http://www.shoprite.com/mobile-apps/?utm_campaign=AdHo
Discussion Deals
HELOC: Penfed vs other CUs in California
Added on : Wednesday June 11th 2014 09:00:08 PM
g: 0 Posted By: muskan123
Views: 27 Replies: 0 Hello,

Need some feedback on Penfed loans in California. I have a single family home which has increased in value since I bought and would like to take some equity out for investment purposes(~150k). I am looking for max out LTV for max term (15 yrs). I am considering Penfed vs Local CUs like StarOne, Provident etc.

Any information on the following would be helpful.
1) How have the appraisals fared for Penfed vs other CUs. (Local CUs directionally seems to follow Zillow, but not sure about PenFed)
2) Time and hassle for Penfed HELOC approval for HELOCs vs other CUs
3) Hidden costs

Interest rates of Local CUs are comparable to Penfed (3.75%), though LTV is on the lower end (75% Local CU vs Penfed).

Is it better to go with Local CU for HELOC/HEL?



Discussion Deals
ON SALE: Francesco Biasia - Pigalle Gray Saffiano Leather Tote
Added on : Wednesday June 11th 2014 09:00:16 AM
Pigalle Gray Saffiano Leather Tote is crafted in beautifully textured saffiano leather in an elegant and timeless form. Featuring double flat top handles, hanging crystal encrusted signature fob, double zip compartments, silver tone hardware and snap gusseted suede side panels. Signature dust bag included. Made in Italy.
Pigalle Lime Green Lizard Embossed Leather Tote is crafted in beautiful lizard embossed calf leather in an elegant and timeless form. Featuring double flat top handles, hanging crystal encrusted signature fob, double zip compartments, silver tone hardware and snap gusseted suede side panels. Signature dust bag included. Made in Italy.
ON SALE: Francesco Biasia - Pigalle Orange Saffiano Leather Tote
Added on : Wednesday June 11th 2014 09:00:16 AM
Pigalle Orange Saffiano Leather Tote is crafted in textured saffiano leather in an elegant and timeless form. Featuring double flat top handles, hanging crystal encrusted signature fob, center zip compartment, silver tone hardware and gusseted side panels. Signature dust bag included. Made in Italy.
ON SALE: Francesco Biasia - Pigalle Violet Lizard Print Leather Tote
Added on : Wednesday June 11th 2014 09:00:16 AM
Pigalle Violet Lizard Print Leather Tote is crafted in beautiful lizard embossed calf leather in an elegant and timeless form. Featuring double flat top handles, hanging crystal encrusted signature fob, center zip compartment, silver tone hardware and gusseted side panels. Signature dust bag included. Made in Italy.
The Children's Place Coupon: 40% Off Sitewide + Free Shipping
Added on : Wednesday June 11th 2014 06:00:03 AM
g: 0 Posted By: ShoppingChick
Views: 224 Replies: 0 The Children's Place has 40% Off Sitewide with code SHOP3 plus free shipping. Coupon code also stacks with clearance items!
Clothing Deals

The Childrens Place Coupons
g: 0 Posted By: remick
Views: 106 Replies: 0 http://www.amazon.com/gp/product/B00AKBIJ16
4.7 out of 5 stars (21 customer reviews)

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

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

Key Highlights of Exploring HDR:

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



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

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


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

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

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



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

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

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

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

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

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

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

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

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

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

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

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

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



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

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

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

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


Books & Magazines Deals
g: 0 Posted By: ctgolfer
Views: 163 Replies: 0 shipping adds $5

Specifications:
Projection System:DLP
Native Resolution:WXGA (1280x800)
Brightness:3000 ANSI Lumens
Contrast Ratio:2600:1
Display Color:1.07 Billion Colors
Lens:F= 2.7, f=5.45mm
Aspect Ratio:Native 16:10 (5 aspect ratio selectable)
Throw Ratio:0.37 (87@0.73m)
Image Size (Diagonal):60"-300"
Zoom Ratio:Fixed
Lamp Type:225W
Lamp Mode (Normal/Economic/SmartEco/LampSave/LumenCare):2500/4000/NA/NA/NA hours
Keystone Adjustment:1D, Vertical 40 degrees
Projection Offset:125%5%
Resolution Support:VGA(640 x 480) to UXGA(1600 x 1200)
Horizontal Frequency:31K-102KHz
Vertical Scan Rate:23-120Hz
Interface:Computer in (D-sub 15pin) x 2 (Share with Component Video in)
Monitor out (D-sub 15pin) x 1
HDMI (V1.3) x 1
Composite Video in (RCA) x 1
S-Video in (Mini DIN 4pin) x 1
Audio in (Mini Jack) x 1
Audio L/R in (RCA) x 1
Audio out (Mini Jack) x 1
Microphone in (Mini Jack) x 1
Speaker 10W x 2
LAN (RJ45) x 1
USB (Type A) x 2 (Wireless display/USB Reader/Remote Desktop)
USB (TypeB) x 1 (work for PD pen/ FW download)
USB (mini TypeB) x 1 (USB display)
RS232 (DB-9pin) x 1
IR Receiver x 2
HDTV Compatibility:480i, 480p, 576i, 576p, 720p, 1080i, 1080p
Video Compatibility:NTSC, PAL, SECAM
3D Support and Compatibility:PC: 120Hz Frame Sequential 3D for resolutions up to WXGA
PC: 60Hz Top-Bottom 3D for resolutions up to SXGA+
Video: 60Hz Frame Sequential 3D for resolutions up to 480i
Audible Noise (Normal/Economic Mode):33/31 dBA
Power Supply:AC100 to 240 V, 50 to 60 Hz
Power Consumption:310W (typical), Standby<1W
On-Screen Display Languages:Arabic/Bulgarian/ Croatian/ Czech/ Danish/ Dutch/ English/ Finnish/ French/ German/ Greek/ Hindi/ Hungarian/ Italian/ Indonesian/ Japanese/ Korean/ Norwegian/ Polish/ Portuguese/ Romanian/ Russian/ Simplified Chinese/Spanish/ Swedish/ Turkish/ Thai/ Traditional Chinese (28 Languages)
Picture Modes:Dynamic/Presentation/sRGB/Cinema/User 1/User 2
Dimensions:12.99"(W) x 6.06"(H) x 10.94"(D)
Weight:9.1 lbs


In the box:

BenQ
MW870UST BenQ
3000Lm WXGA Ultra Short-Throw DLP Projector
Remote Control
Power Cord
VGA (D-sub 15pin) Cable
USB cable (B to A type)

http://electronics.woot.com/offers/benq-3000lm-wxga-ultra-short-...
Projectors Deals

woot! Coupons
Are Immediate Annuities Ever a Good Idea?
Added on : Tuesday June 10th 2014 04:00:09 PM
g: 0 Posted By: burgerwars
Views: 129 Replies: 1 Forbes says no: http://www.forbes.com/sites/davidmarotta/2012/08/27/the-false-pr...

Anyone differ? I'm quite a ways off from retiring, but have been bouncing around figures in my mind. Estimating my social security, my pension (my employer still offers one) and my 401k, if I put most of my 401k in an annuity, my total retirement income can actually exceed my income from working. I know the issues doing this, but playing with figures in my mind is free.
Discussion Deals
g: 0 Posted By: DizzyT71
Views: 215 Replies: 0 Sears has theCiao Luggage Set 3-piece(Various Colors)$14.97 with free store pickup.

Includes:

Softsided Suitcase
Tote Bag
Essentials Bag

Available in the following colors:

Black
Blue
Purple
Zebra
Cheetah


Note: Availability may vary based on location.
Luggage Deals

Sears Coupons
3 Major U.S. Airlines Fight to Cancel Cheaper International Travel
Added on : Tuesday June 10th 2014 05:00:08 AM
g: 0 Posted By: eddierd
Views: 129 Replies: 0 A measure aimed at grounding an upstart airline offering affordable fares for transcontinental travel appears headed for a vote in the House of Representatives.The transportation appropriations bill is seen as a vehicle for an amendment targeting Norwegian Air Internationals new service at U.S. airports, airline officials were told by consultants.Norwegian Air International, headquartered in Ireland, says it is offering economical fares and improved customer service for international travelers and providing new job opportunities in the United States. But union leaders, who have leaned on the U.S. Department of Transportation to deny Norwegians application for low-fare international services, claim the competing airline has engaged in unfair labor practices.At issue are the actions of Norwegian Air International, the newest affiliate of the Norwegian Group, which obtained an air operator certificate in February from the Irish Aviation Authority in Dublin. Under the U.S.-EU Open Skies Agreement, an Irish airline can operate among all European cities and all cities in the United States.In addition, as an Irish air carrier, NAI enjoys the full range of traffic rights to other countries available to an airline of an EU member state, which are substantially greater than the rights of a carrier of a non-EU country such as Norway.
Article Continues: http://dailysignal.com/2014/06/09/3-major-u-s-airlines-fight-can...
Discussion Deals
g: -2 Posted By: Farfisa850
Views: 143 Replies: 2 http://www.ebay.com/itm/New-Chrome-Commercial-4-Layer-Shelf-Adju...

Four 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: 2400 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
Home & Garden Deals

eBay Coupons
Craigslist scammer trying to send ME money via western union?
Added on : Monday June 09th 2014 09:00:05 PM
g: 0 Posted By: thepineapple
Views: 58 Replies: 1 I've used craigslist for years. I usually ignore the weird out of state scam numbers, but occasionally I'll mess with them. Well, i was bored, and started responding to one, and HE wants to send ME money via Western Union. Isn't it the other way around for scammers? Isn't he just going to send me a bunch of money and have no way to get it back? What am I missing?
Discussion Deals
g: 1 Posted By: ctgolfer
Views: 146 Replies: 0 Synopsis

This side splitting release from the classic sitcom Gilligan's Island includes all 98 episodes of the show, following the ongoing antics of a mismatched group of tourists, stranded together on one desert island when their three hour tour aboard the S.S. Minnow goes awry. ~ Cammila Collar, Rovi
Cast & Crew

Bob Denver - Gilligan
Alan Hale Jr. - Jonas Grumby (The Skipper)
Jim Backus - Thurston Howell III
Tina Louise - Ginger Grant
Russell Johnson - Roy Hinkley (The Professor)

www.bestbuy.com/site/gilligans-island-the-complete-series-17-dis...
DVD Deals

Best Buy Coupons
g: 0 Posted By: ctgolfer
Views: 37 Replies: 0 Features:

Recovery Program
Extend Program
Relax Program
Refresh program
Intelligent roller system - Flexible, conforms to the contour and shape of your back

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.


www.ebay.com/itm/New-Full-Body-Shiatsu-Massage-Chair-Recliner-Be...
Furniture Deals

eBay Coupons
Las Vegas, grand Canyon , Califronia Trip
Added on : Monday June 09th 2014 08:00:15 AM
g: 0 Posted By: ggmon
Views: 47 Replies: 0 We are planning for aLas Vegas, Grand Canyon , Califronia Trip Aug Last week and returning on first week on Sept. This is our first time to these area . Hence any comments /suggestion/ideas are welcome.

#of Travelers : 2 Adults/ 2 Kids
#of Days : 11 days
#
Flying In: PHL to OAK
Flying Back: LVS to PHL
Other accessible airport: EWR , Trenton, ACY
Airline: South WestCost of Ticket: ~$1300 ( 850 onward, 450 return)
Car Rental: Fox ( CarRentals.com )
Car Rental Cost: Total 750 ( Full size ) 250 drop off charge( OAK to LVS).
Places to visit: San Francisco,Yosemite, Los Angeles, Sequoia, Death valley, Las Vegas, Hoover Dam, Grand Canyon.

The car rental charges are astronomical from Oakland to Las Vegas. Its way cheaper from Las Vegas to SFO. Hence I was planning to reverse the course.South west doesn't charge change fees.

=11ptFrom Las vegas to San Francisco(SFO) which saves me around $250.Is that a good idea?
=11ptOr go from Las Vegas-> Hoover Dam-> Grand Canyon->Dealth Valley-> Sequoia->Yosemite-> SFO-> LAX(by Rt 1 scenic route)-> Las vegas

I am wondering if 11 days are good enough(option 2).
Thanks in advance
Discussion Deals
Traavel Plans
Added on : Monday June 09th 2014 05:00:13 AM
g: 0 Posted By: scorpio0414
Views: 68 Replies: 0 Hi,
We are planning to travel to California and Nevada this August 22nd and coming back on 3rd. We are planning to travel from Philadelphia to Las Vegas and then drive to San Francisco or Oakland. Our initial plan was to fly from Philadelphia to Oakland and then drive to LasVegas and then back to Philadelphia. But the car rental in San Francisco or Oakland is very costly. So , we decided to fly to Vegas instead and then drive to San Francisco as car rentals are cheap in Vegas. We are a family of four two adults and two kids ages 11 and 5 . We would really like to use our time to the maximum and see places and spend time together as a family cause these are memories. We really appreciate any suggestions like good places to stay and things for kids to see about how to make this a fun and budget friendly trip. Thank you.
Discussion Deals
g: 0 Posted By: remick
Views: 260 Replies: 0 http://www.amazon.com/dp/B00B853WHY

4.0 out of 5 stars (25 customer reviews)

The relationship between a father and a son is like none other. Dads have a God-given role to protect and provide for their families, always striving to teach their sons the life skills they'll need to grow into honorable men. But many dads struggle with feelings of inadequacy regarding their fathering abilities. They want to be better dads.

Rick Johnson can show them how. In this insightful and practical book, Johnson shows how fathers can be equipped and inspired to be positive role models for their sons. He stresses the significance of male bonding, discipline, and spiritual leadership; discusses important topics such as sexual purity, respect, and self-discipline; and reveals the top ten mistakes to avoid as a father.

From commitment and courage to honesty and humility, Better Dads, Stronger Sons helps men strive to be the dads God designed them to be--so their sons can grow to be everything they are meant to be.
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Mazda3 2014 private party
Added on : Sunday June 08th 2014 07:00:08 PM
g: 0 Posted By: sultansana
Views: 142 Replies: 5 Wanted to get FWF opinion on this. I was looking at a mazda 3 2013 itouring at a dealership. I was looking for an OTD price of max $16200 +taxes. Dealer had it listed at $18000. He didn't budge so I walked. Price on their website is down to $16800. I still have about 2 months before I need a car so I am waiting. According to cargurus this is a fair-good deal. Car has 42miles on it.

I now have come across a private party deal on a mazda 3 2014 isport with 450miles on it. The person who bought it has passed away (not in the car) and the daughter (sorry no pictures) is selling it. She listed a price for $17700. I offered $16500, we are settling around $17000. Dealer trade-in-value for this car is $15000. Fair purchase is $18000 and per carguru anything less than 17300 is a good deal. Car has 2.5 years on the warranty left and I believe transferable, title is clean.

Three questions:
1) Would you go for the private deal or wait out the dealer deal till I get the price I want
2) Carfax is clean, would you still have a mechanic check this out?
3) Will I still have taxes to pay, even though this car was bought in Jan (state is MA)

Discussion Deals
Bring your own device phone plans (Sprint vs T-mobile)
Added on : Sunday June 08th 2014 12:00:06 PM
g: 0 Posted By: BenH
Views: 39 Replies: 0 Just thought I would share some interesting numbers as I'm shopping for a new plan.

I'm in an interesting situation where I would definitely prefer to have a contract even if I pay more monthly with my phone included because the way I can expense my monthly bill for work. I wouldn't be able to expense an additional monthly line item for a phone, but if the expense is built into the plan itself, that's better for me.

Anyway, I've been looking mostly at Sprint and T-Mobile (currently on Verizon, and not staying with them mostly to bad 4G coverage in my area). I'll be putting myself, wife, and 2 inlaws on my plan (and no - I won't expense all of them).

I'm not choosing any "bring your own device" options because if you want a new phone you have to go out and buy on off-contract for close to full price or else get one in a subsidized contract.
Our phones are 4 years old at this point and we want new tech. So I either buy it from a 3rd party new (and warrantied) for full price, find a used one (I don't consider a safe option), or buy it through the provider - either with an upfront 2 yr. contract cost, or with their "monthly" charge.

So, all comparisons are with the "Unlimited" options and include 4 lines and 4 new HTC One M8 Phones. Taxes left off as should be equivalent:

T-Mobile - Monthly charge: $326 yearly, $7824 over 2 years
Sprint - Monthly charge: $260, $6240 over 2 years

That's $1584 more for T-Mobile over 4 years.

Now with Sprint I will probably have activation fees of around $144 which it looks like T-Mobile will waive (although Sprint may waive them, but I have heard it isn't as likely).

That's still $1440 in favor of Sprint.

Of course, with T-Mobile, that cost included the full price of the phones billed monthly. With Sprint I need to purchase the phones which currently are $200 each with contact ($800 total)

That's still $640 more at T-Mobile over the course of the 2 year contract.

I could likely save even more if I went with a cheaper phone, though that would bring the monthly T-Mobile amount down as well.
However, the M8 has seemed to be going on sale quite a bit, I'm hoping for a $100 sale on Father's Day. That would put the savings with Sprint over $1000 again.

So, sure if you have your own device or you want to go and buy second hand phones with no warranties at all the bring your own device plan may work out.

I suspect however that the majority of people signing up on contract with T-Mobile aren't bringing their own phones, they are opting for the monthly charge where they have to pay off the full cost of the phone over 2 years.

I thought when the "bring your own device plans" came out that they were simply surreptitious ways for the providers to make more money and, sure enough, it would appear that way.
Discussion Deals
g: 0 Posted By: DaysFan
Views: 161 Replies: 0 The Art Of Shaving Full Size Kit - Sandalwood AV042 $137 Value
http://www.skinstore.com/p-4060-the-art-of-shaving-full-size-kit-sandalwood.aspx
Subtotal: $115.00 Promo Code Mens20: -$23.00 My Refills Savings: $0.00 (Calculated during checkout) Tax: Shipping Method: Estimated Shipping: FREE
=18pxTotal: $92.00
Great Skin Is Always InWho doesn't want their skin to look its best? Whether you're shopping for your faves or looking for something special for the men in your life, now is the time to find 15% savings in every department with code JUNE15.Speaking of the guys, for a limited time, save 20% on select men's brands. Shop now for your guysand spoil them with the best.Certain items are excluded from offers.

Additional Save 15% Storewide InformationSale ends Wednesday, June 11, 2014.Use promo code JUNE15 during checkout to get 15% off your purchase. Certain items are excluded from offers. Each product detail page indicates if the promotion does not apply. Sale pricing, promotional codes and other special offers cannot be applied toward prior purchases. Promotional codes may not apply to already discounted items. Refunds on item(s) purchased during a dollar-off or tiered promotion will be calculated based on the total bag value of the item(s) kept and any discount associated with the revised total. Cash Back, mileage or rebate offers are only recognized from the single partner visited immediately prior to purchase. eGift Certificates cannot be purchased with a discount and do not count as part of a total for an order that is eligible for a dollar-off or tiered discount.Save 20% on Select Men's ProductsSave 20% on select men's products below including Billy Jealousy,Art of Shaving,Anthony Logistics,ZIRH,Lab Seriesand Grooming Lounge.Use code MENS20 - Sale ends 6/12/14.For the Main Man in Your LifeThe modern man knows that taking care of himself is a big part of looking good and feeling his best. We make it easy with high performance products just for him that deliver results without a lot of fuss. So whatever you call the father figure or special man in your life, treat him to something other than another tie this year.Get it in Time for Father's Day!
Order in stock items by 5 p.m. ET on Tuesday, June 10 to receive in time for Father's Day.


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Lexus Es 300h 2013 - Dealer
Added on : Saturday June 07th 2014 07:00:14 PM
g: 0 Posted By: DEAL007
Views: 69 Replies: 2 Went to a lexus dealer they have one 2013 es 300h in the lot they are trying to get rid of it. it has 200 miles on it and its full loaded to the top and if i buy it , i will be the first owner. the lowest they are willing to go is 45k out the door included in this deal is my old trade in which is $2k.

i am not certain if its a great deal, but would like some advice. I was hoping to be 39k out the door..

Their math - 46562, they are willing to go down to 41995 on the price minus 2k for the trade + taxes and fees = 45kish
Discussion Deals
Chef's Choice M130 knife sharpener $119.99 Amazon platinum color only
Added on : Saturday June 07th 2014 05:00:03 PM
g: 0 Posted By: blueberrypie
Views: 130 Replies: 1 May be my first deal post so forgive any posting errors. Average price for this is $149 at most stores. Other colors are not a deal. The $119.99 is for platinum only.
Amazon Chef's Choice 130

Much discussion about different models all over the internet. This model 130 is the one Cook's Illustrated/America's Test Kitchen chose. It is not for putting a new edge on a bad knife. First slots sharpen, second slots are not mechanized and manually hone, third slots strop. Different combinations are used to put a different edge on the knife depending upon use (i.e. slick sharp for paring or micro serrated for more bite).The 120 model, from what I gather, has 3 mechanized slots. The first takes off the most metal, the second finer sharpening (perhaps like slot one of the 130). The third slots are the stropping. So, there is no honing on the 120. These models mentioned are not for 15 degree knives (like Japanese) but are for the usual western 20 degree bevel.
Home & Garden Deals

Amazon Coupons
ON SALE: 3.1 Phillip Lim - Black and Silver Pashli Medium Satchel
Added on : Saturday June 07th 2014 09:00:05 AM
Black and Silver Medium Pashli Satchel is crafted in rich textured leather in the iconic Philip Lim bag. Featuring detachable shoulder strap, double top rolled handles, flap top with push lock closure, silver tone hardware detail, exterior zipper gussets to create a fan silhouette and internal zip pocket. Signature dust bag included.
ON SALE: 3.1 Phillip Lim - Nude Orange Pashli Mini Satchel Bag
Added on : Saturday June 07th 2014 09:00:05 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.
ON SALE: Alexander Wang - Rocco Soft Meringue With Pale Gold
Added on : Saturday June 07th 2014 09:00:05 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.
ON SALE: Badgley Mischka - Violet Bi Color Leather Clutch
Added on : Saturday June 07th 2014 09:00:05 AM
Violet Bi Color Leather Clutch, crafted in soft leather with black and white wide stripes creating an elegant oversize clutch. Featuring snap lock flap closure, slinky shoulder chain, side gussets, internal zip pocket and gold tone hardware.
ON SALE: Carven - Asy Black Shoulder Bag
Added on : Saturday June 07th 2014 09:00:05 AM
Asy Black Shoulder Bag by Carven Paris 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.
ON SALE: Carven - Carnet Green Shoulder Bag
Added on : Saturday June 07th 2014 09:00:05 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.
ON SALE: Carven - Carnet Perforated Leather Tote Bag
Added on : Saturday June 07th 2014 09:00:05 AM
Carnet Perforated Leather Tote Bag by Carven Paris is crafted in calf leather with perforated detail with contrasting leather background in a modernized, structured shopper style. Featuring side gussets, double rolled handles, magnetic snap closure, external button close pocket, internal zip pocket, and detachable shoulder strap. Made in Italy.
ON SALE: Class Roberto Cavalli - Kirsten Leather Satchel
Added on : Saturday June 07th 2014 09:00:05 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.
ON SALE: Diane Von Furstenberg - Sutra Bold Leather Duffle Bag
Added on : Saturday June 07th 2014 09:00:05 AM
Sutra Bold Leather Duffle Bag by DVF, is crafted in supple pebbled leather is designed for the woman on-the-go. Featuring detachable, adjustable shoulder strap, signature Sutra hardware, top zip closure, double rolled handles, side gusset open pockets, signature leather with lip fob and gold tone hardware. Signature dust bag included.
ON SALE: Gerard Darel - Divine Purse Organizer
Added on : Saturday June 07th 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.
ON SALE: Gerard Darel - So Divine! Leather Tote
Added on : Saturday June 07th 2014 09:00:05 AM
So Divine! Leather Tote is crafted in smooth full grain calfskin leather in a stylish bucket bag form and is part of the Gerard Darel contemporary Divine! line. Featuring single wide adjustable handle, zippered side gussets that allow you to change the shape of the bag, embossed logo on top line, three zippered compartments, magnetic closure, internal slip pocket with embossed logo and brass hardware detail. Signature dust bag included.
ON SALE: Giuseppe Zanotti - Black Leather and Crystals Sneaker
Added on : Saturday June 07th 2014 09:00:05 AM
Black Leather and Crystals Sneaker is crafted in a beautiful calfskin leather upper in an updated classic model with a secreted suede insert. Featuring double side zip closure with iridescent crystal-embellished suede gussets, leather lace-up, rounded toe and thick white rubber sole. Signature dust bag and box included. Made in Italy.
ON SALE: Giuseppe Zanotti - Black Leather Metal Chain Sneaker
Added on : Saturday June 07th 2014 09:00:05 AM
Black Leather Metal Chain Sneaker is crafted in textured calfskin leather with signature zip gusset closure and chain accents that gives these sneakers a distinctive look. Featuring leather laces, silver tone zip closure gussets on sides & back with leather pull accents. Silver logo plaque on tongue, buckle with chain detail across front and at ankle, leather lined interior and rubber outsole. Made in Italy.
ON SALE: Giuseppe Zanotti - Camo Leather High-Top Sneakers
Added on : Saturday June 07th 2014 09:00:05 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.
ON SALE: Giuseppe Zanotti - Eagle High-Top Khaki Leather Sneaker
Added on : Saturday June 07th 2014 09:00:05 AM
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.
ON SALE: Giuseppe Zanotti - High-top Brown Leather Sneaker
Added on : Saturday June 07th 2014 09:00:05 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.
ON SALE: Giuseppe Zanotti - Lorenz Animal Print Sneakers
Added on : Saturday June 07th 2014 09:00:05 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.
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.
Giuseppe Zanotti White and Black Metal Straps High-Top Sneakers are crafted in smooth calfskin leather with suede and patent leather accents. Featuring leather laces, gold tone zip closure gussets on sides & back with leather pull accents, metal straps across top front and toe, logo patch on tongue, leather lined interior and rubber outsole. Made in Italy.
ON SALE: Jerome Dreyfuss - Alain Yellow Leather Shoulder Bag
Added on : Saturday June 07th 2014 09:00:05 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.
ON SALE: Jerome Dreyfuss - Billy M Blue Malachite Shoulder bag
Added on : Saturday June 07th 2014 09:00:05 AM
Jerome Dreyfuss Billy M Blue Malachite Shoulder bag crafted in relaxed calfskin leather, is a feminine functional bag which will soon become a favorite. Featuring double handles, belted adjustable shoulder strap, fold over snap button closure, exterior zip pocket, one interior zip pocket and brass hardware detail. Signature detachable flashlight and dust bag included. French design.
ON SALE: Jerome Dreyfuss - Carlos Nuts Leather Tote
Added on : Saturday June 07th 2014 09:00:05 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.
ON SALE: Jerome Dreyfuss - Florent Rosewood Leather Backpack
Added on : Saturday June 07th 2014 09:00:05 AM
Jerome Dreyfuss Florent Rosewood Leather Backpack crafted in smooth calfskin leather, adds a feminine touch to a traditionally utilitarian bag. Featuring a single top handle to hold by hand, detachable chain and leather shoulder straps, signature embossed flap with drawstring closure, exterior side zip pocket, rear zip opening and gold tone hardware detail. Signature detachable flashlight and keychain. Signature dust bag included. French Design.
ON SALE: Jerome Dreyfuss - Igor Yellow Shoulder Bag
Added on : Saturday June 07th 2014 09:00:05 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.
ON SALE: Jerome Dreyfuss - Johan Caviar Mondrian
Added on : Saturday June 07th 2014 09:00:05 AM
Johan Caviar Mondrian is crafted in multiple types and textures of leather lending it that eclectic chic vibe. Featuring double handles, removable shoulder strap, internal zip pocket, front flap concealing two external pockets, gusseted zip sides that allow you to adjust volume and capacity, gold tone hardware detail and signature flashlight and key hook. Signature dust bag included.
ON SALE: Jerome Dreyfuss - Jojo Nude and Noir Perforated Shoulder Bag
Added on : Saturday June 07th 2014 09:00:05 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.
ON SALE: Jerome Dreyfuss - Max Punk Splash Men»s Tote Bag
Added on : Saturday June 07th 2014 09:00:05 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.
ON SALE: Jerome Dreyfuss - Momo Caviar Mondrian Mini Crossbody
Added on : Saturday June 07th 2014 09:00:05 AM
Caviar Mondrian Mini Crossbody crafted in textured calfskin leather, is a mighty versatile mini bag in bold color block style. Featuring front flap closure that secures over removable snap pocket, three interior zip pockets with tassel accents, six card slots and mirror on inside flap. Gold tone hardware detail. Signature dust bag included.
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.
ON SALE: Jerome Dreyfuss - Roland Rouille Backpack
Added on : Saturday June 07th 2014 09:00:05 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.
ON SALE: Jerome Dreyfuss - Thomas Black Matte Satchel
Added on : Saturday June 07th 2014 09:00:05 AM
Jerome Dreyfuss» Thomas Black Matte Satchel is crafted in calfskin leather for a subtle yet stylish look. Featuring a single top handle to hold by hand, removable cross body strap, zipped leather pouch on logo detailed front flap, double strap fasterners, zip closure and the signature detachable flashlight and bottle opener. Signature dust bag included.
ON SALE: Jerome Dreyfuss - Vladimir Nude and Noir Tote
Added on : Saturday June 07th 2014 09:00:05 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.
ON SALE: Jil Sander - Black and Cream High Heel Slingback
Added on : Saturday June 07th 2014 09:00:05 AM
Black and Cream Leather High Heel Slingback is crafted in shiny leather with signature chunky heel. Featuring round cap toe is butter with open mid and black upper elastic gusset sling, covered jazz heel and leather sole. Signature box and dust bag included. Made in Italy.
ON SALE: Jil Sander - Jil Bag Laminated Mini Satchel
Added on : Saturday June 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.
ON SALE: Jil Sander - Large Jil Bag in Black Beaded Leather
Added on : Saturday June 07th 2014 09:00:05 AM
Large Jil Bag in Black 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, tonal beaded detail, side gussets with slip pockets, detachable shoulder strap, removable signature leather fob, soft leather lining and internal slip pockets. Made in Italy.
ON SALE: Jil Sander - Large Jil Bag in White Beaded Leather
Added on : Saturday June 07th 2014 09:00:05 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.
ON SALE: Jil Sander - Tootie Shoulder Bag w/Ring
Added on : Saturday June 07th 2014 09:00:05 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.
ON SALE: Juicy Couture - Robertson Leather Daydreamer Tote
Added on : Saturday June 07th 2014 09:00:05 AM
Robertson Leather Daydreamer Tote is crafted in soft leather with trapunto stitching on gussets adding that special touch of glamour to your look. Featuring heart padlock detail, magnetic snap closure, adjustable leather and chain shoulder straps, double flat handles with stud detail, protective feet and gold tone hardware. Genuine Juicy.
Since the 1950»s, L.A.P.A. has been synonymous of finely crafted briefcases and luggage made with high quality leathers. It now presents its new clutch in stylish and refined croco leather, closing with a flap. Made in Italy
ON SALE: L.A.P.A. - Double Gusset Women»s Leather Briefcase
Added on : Saturday June 07th 2014 09:00:05 AM
A beautiful briefcase contains two compartments with one internal zip pocket. The front pocket includes pen holders, a cell phone pocket and business cards slots with two zips on the sides, opens completely. Made in Italy
ON SALE: Marc by Marc Jacobs - Hail To The Queen Elizabeth Satchel
Added on : Saturday June 07th 2014 09:00:05 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.
ON SALE: Marc by Marc Jacobs - Washed Up Novelty Tote
Added on : Saturday June 07th 2014 09:00:05 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.
ON SALE: Marc Jacobs - Big Big Apple Black Leather Tote
Added on : Saturday June 07th 2014 09:00:05 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.
ON SALE: Marc Jacobs - Slip on Suede High Top Sneaker
Added on : Saturday June 07th 2014 09:00:05 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.
ON SALE: Marc Jacobs - The Big Big Apple Tote Bag
Added on : Saturday June 07th 2014 09:00:05 AM
Big Big Apple Tote Bag is crated in grained luxurious Taurillon leather in an elegant carry all style. Featuring double rolled handles, open top, snap side gussets, outer zip pocket, protective metal feet, internal zip pocket and silver tone hardware detail. Signature dust bag included.
ON SALE: Marc Jacobs - The Cabochon Not So Big Apple Leather Satchel
Added on : Saturday June 07th 2014 09:00:05 AM
The Cabochon Not So Big Apple Leather Satchel is crated in sleek leather with bold gold tone cabochon accents for a Victorian inspired bag with a 70»s retro twist. Featuring double rolled handles, open top, collapsible side gussets with snaps, outer zip pocket, protective metal feet, internal zip pocket, gold tone hardware and cabochon detail. Signature dust bag included.
ON SALE: MCM - Elda Crossbody Mini
Added on : Saturday June 07th 2014 09:00:05 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.
ON SALE: McQ Alexander McQueen - Text Print Canvas Slip on Sneaker
Added on : Saturday June 07th 2014 09:00:05 AM
Text Print Canvas Slip on Sneaker by Alexander McQueen 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.
ON SALE: Moreschi - Calf Leather Double Gusset Briefcase
Added on : Saturday June 07th 2014 09:00:05 AM
A streamlined and versatile double gusset briefcase in handsome calf leather by Moreschi offers function and impeccable style with two spacious main compartments featuring pen, card and mobile pockets. Dust bag included, Made in Italy
ON SALE: Moschino - Blue and White Striped Canvas Slip-On
Added on : Saturday June 07th 2014 09:00:05 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.
ON SALE: Moschino - Large Portable Home Tote
Added on : Saturday June 07th 2014 09:00:05 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.
ON SALE: Philipp Plein - Iridescent Ankle Boot
Added on : Saturday June 07th 2014 09:00:05 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.
ON SALE: Philipp Plein - Punk Laminated Leather Sneaker
Added on : Saturday June 07th 2014 09:00:05 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.
ON SALE: Piquadro - Vibe - Leather Flap Wallet
Added on : Saturday June 07th 2014 09:00:05 AM
A double gusseted zip pocket for change is paired with nine card slots and two long pockets for cash to create a practical, easy-to-carry design in rich grained leather, sure to become a well-loved accessory. Signature box included.
ON SALE: Pratesi - Genuine Leather Document Case
Added on : Saturday June 07th 2014 09:00:05 AM
Rich, vegetable tanned leather with sueded lining offers an Old World sophistication with timeless elegance. Double gussets, a large zippered front pocket and an organizational panel for pens and small objects make this classic bag a must-have for any professional. Shoulder strap and dust bag included. Made in Italy.
This women»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
ON SALE: Roberto Cavalli - Black Satin Snake Clutch
Added on : Saturday June 07th 2014 09:00:05 AM
Black Satin Snake Clutch is crafted in elegant satin with gold lame leather gussets in a tubular vintage form. Featuring gold tone diamante encrusted snake that wraps around the circumference of the bag, detachable box chain shoulder strap, magnetic popper fastening, interior pouch pocket and gold leather finishing trim. Signature dust bag included.
ON SALE: Roberto Cavalli - Hera Medium Tiger Printed Shoulder Bag
Added on : Saturday June 07th 2014 09:00:05 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.
ON SALE: Roberto Cavalli - Juno Small Tiger Printed Leather Clutch
Added on : Saturday June 07th 2014 09:00:05 AM
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.
ON SALE: See by Chlo� Augusta Leather and Suede Tote
Added on : Saturday June 07th 2014 09:00:05 AM
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.
Lucien Black and Multicolor Striped Leather Tote is crafted in soft leather with Sonia Rykiel»s iconic stripe motif. Featuring drawstring closure, embossed logo, striped leather side gussets, removable adjustable crossbody strap, internal zip pocket and gold tone hardware detail. Signature dust bag included.
Lucien Garnet Red and Multicolor Striped Leather Crossbody Bag is crafted in soft leather with Sonia Rykiel»s iconic stripe motif. Featuring flap top magnetic snap closure with embossed logo, striped leather side gussets, adjustable crossbody strap, internal zip pocket and gold tone hardware detail. Signature dust bag included.
ON SALE: Valentino - Medium Shoulder Bag
Added on : Saturday June 07th 2014 09:00:05 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.
ON SALE: Versace Jeans - Fluo Pink Patent Eco Leather Satchel
Added on : Saturday June 07th 2014 09:00:05 AM
Fluo Pink Patent Eco Leather Satchel features double rolled handles, detachable adjustable shoulder strap, zip top closure, gusseted sides, embossed logo plaque front with rivet detail and gold tone signature logo hardware detail. Interior is fully lined in signature fabric and has one zip and two slip pockets. Signature dust bag included.
ON SALE: Zadig & Voltaire - Sunny City Bag
Added on : Saturday June 07th 2014 09:00:05 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 Personal Finance Software Gauging Interest
Added on : Saturday June 07th 2014 08:00:09 AM
g: 0 Posted By: samiam68
Views: 137 Replies: 3 I have been using Quicken since the 1990s, the latest version being 98. That is correct Quicken 98 is the last version that I consider useful, well put together, and actually "quick". Every version since has become more bloated, less useful, buggier, and slower.

Even though I cannot get online updates from financial institutions for transactions, bill pay, or stock quotes, I find the tool indispensable and cannot see organizing my financial life without it. I enter all transactions manually, which actually helps me weed out any errors during reconciliation. I have caught a number of mistakes by banks over the years using this method.

I currently have about 40 active accounts, over 50 archived accounts, have never truncated yearly data, and the program handles tens of thousands of transactions almost 20 years worth - with ease.

However, I had to do some hacking with the actual EXE files and font files to get this program to work properly in Windows 7, and I cannot get it to behave well in Windows 8 at all. I wont even get into how I got the 16-bit installer to work in a 64-bit OS.

I have tried replacing it with MS-Money, AceMoney, Moneydance, Grisbi, YNAB, GNU-Cash, and a recent version of Quicken, only to be greatly disappointed with all of these products. I will not get into the details, but all of these programs either lack features, have too many useless features, have horrible user interfaces, are slow, are buggy, or are not able to import historical data in QIF format.

Im an experienced developer and have been toying with the idea of writing my own Personal Finance program. However, this would be significant enough of an effort that I would like to capitalize on it and actually make some money for my troubles. I am reaching out to the FWF folks to see if there is any interest in a new Finance Software and the features that would be desired.

These are the features that are important to me:
- Ability to run on current and future versions of Windows.
- High strength encryption for data file(s).
- Ability to split all income/expense transactions into multiple categories.
- Ability to track stock portfolios with easy ways to see annualized returns.
- Ability to handle stock splits, spinoffs, return of capital, margin interest, and other advanced transactions.
- Ability to record loan payments with automatic amortization.
- Ability to track rewards points and airline miles.
- Some basic built-in financial calculators.
- Yearly budgeting with auto-create feature and weekly/monthly/quarterly views.
- Scheduled transactions with reminders.
- Ability to handle many years of data without having to do year-end truncations.
- Easy/automatic backups.
- Automatic recovery in case of data corruption.
- Customizable reports and graphs.
- Comprehensive import of QIF files.
- Comprehensive export of all data to Excel or Access.
- Very fast execution / performance. I mean everything should be nearly instantaneous.
- No sunset policy on anything.

Features that I may consider implementing:
- Cross-platform compatibility Linux, Mac.
- Automatic updates of stock prices.
- Online connector ability to upload encrypted files and access/synchronize using a secure web application.
- Online backup.
- Portable app for iOS, Android, and Windows Phone (in conjunction with an online connector).

Features I am not considering:
- Automatic transaction download from financial institutions this is extremely tedious and complex to implement.
- Advertising no way!
- Marketing of add-on products.
- Making this open source.

If you have any suggestions for other features, please share.

I would also like to get some feel on whether folks would be interested in purchasing something like this and which price point do you think is fair.

$30 for each new version.
$40 for one version and 3 free upgrades.
$50 for one version and unlimited future upgrades.

Again, this is just a concept at this point, and will likely take about a year to actually build the software if I go forward with it, but your feedback is greatly appreciated.

P.S. Please dont point out that Yodlee and Mint are the way to go. I, and some other folks, do not trust the security of online aggregation services (due to very good reasons).

P.P.S. I know some here will suggest using Excel or equivalent, but I am looking to create a comprehensive and integrated solution with far more capabilities than a spreadsheet could provide.


Discussion Deals
Drove 700 miles to pick up parts and save on shipping.
Added on : Saturday June 07th 2014 02:00:04 AM
g: 0 Posted By: atikovi
Views: 78 Replies: 2 Can't say whetherI was stupid or just in full Fat Wallet mode to be as cheap as possible. Drove round tripfrom DC to just north of Poughkeepsie NY to pick up a bumper, fender and head light from a junkyard. Also found a nice set of hard to findtires at a good price as a bonus. They wouldn't ship the bumper, but even if they did, it would probably cost $60 to $80 just for that part, but I wanted to see the conditionof the parts before buying them anyway. Drove a 2000 Honda Insight so the cost of gas was just $45. And instead of driving up I95 through NJ and NYC with all the tolls, I drove an extra hour up through PA so the only toll was $1.50 eastbound across the Hudson river instead of probably $30 on 95. Am I the only cheap bastard that has driven long distances to pick up somethingto save shipping costs?
Discussion Deals
g: 0 Posted By: jskins
Views: 187 Replies: 0 Commercial 6 Layer Shelf Adjustable Steel Wire Metal Shelving Rack (Black or Chrome)- $69.99 with Free Shipping at eBay with Value Massage.

Heavy duty steel construction
3,600-pound capacity (600 pounds per shelf)
Shelves are adjustable height at 1" increments
Triple-Truss support
Includes both stationary feet and locking castor wheels
No Tools Required for Assembly

The next lowest price for this item on Google Shoppingis $110.00.

This item is currently selling for $98.01 shipped at Amazon.
Furniture Deals

eBay Coupons
g: 0 Posted By: remick
Views: 53 Replies: 0 http://www.amazon.com/gp/product/B00J8VJHJ2

2 Knitting Book Bundle!!

Book 1: Knitting Stitches Handbook

Learn How To Knit 40 Interesting Knitting Stitches
With this book you will learn:
1. How to read patterns and charts
2. Basic stitches like the Purl Stitch
3. Slipped Stitches, like the Heel Stitch, Slanting Slipped Stitch and the Slipped Columns
4. Knit stitches, such as the Stockinette Stitch, Moss Stitch and Seed Stitch
5. Lace Stitches, such as the Leafy Columns, Zigzag Lace and Diamond Lace
6. Cable Stitches like the Braid Cable and X-Cord Cables
7. This book also includes an easy Afghan pattern to help you practice the new stitches you will learn
BONUS: As an added bonus this book includes a knitting glossary at the end, for you to use to help understand knitting jargon!

Book 2: How to Knit Socks: Quick And Easy

How To Knit Socks Quick and Easy
This book will teach you:
1. Sock knitting basics such as sizing and knitting test swatches
2. How to choose the correct yarns and needles for knitting your socks
3. Sock Cast-on techniques, such as, long tail cast on, Eastern/ Turkish cast on
4. How to knit socks from the top down
5. How to knit sock from the toe up
6. How to avoid the dreaded sock knitting gusset hole.
7. How to knit two socks at once using circular needles
8. This book also includes 1 basic sock pattern and 1 more advanced sock pattern for you to complete.
Totally Free Deals
Illegal usage of washing machine in rent comtrol area
Added on : Thursday June 05th 2014 10:00:05 PM
g: 0 Posted By: junkmailncrap
Views: 61 Replies: 3 Its my lucky month. I only have a couple of properties and I happen to have multiplecomplicated issues.

I recently purchased a four unit apartment in a rent control area of los Angeles. When I took over the property I realized that one of the tenants bought a washer and dryer unit hoping I didn't know that the original contract states that there is no cloths washing. He tapped a gas line and connected the washer to the kitchen sink.
I just served him a three day notice to get rid of the washer and dryer . He told me that I will have to pay for his storage if I want it out of the house.
I will most likely be forced to take him to court.The lawyers who handle rent control cases I have discuss this matter with have told me that this is not enough for the judge to evict the tenant. In addition, there are a bunch of lawyers who are waiting to jump at the chance to represent these poor renters by billing the tax payers $350 per hour. It will cost me a minimum of $10,000 to pursue this and it may not guarantee an eviction.
I'm going to see if they have complied or not tomorrow any advice on how handle this tricky tenant?



Real Estate Deals
Charlotte Russe $5 Jewelry Sale ($5.00) @ Charlotte Russe
Added on : Thursday June 05th 2014 05:00:05 PM
Charlotte Russe $5 Jewelry Sale
Added on : Thursday June 05th 2014 05:00:03 PM
g: 0 Posted By: DizzyT71
Views: 227 Replies: 0 Charlotte Russe is having a $5 Jewelry Sale. Free shipping on $65+, otherwise shipping adds $6.99.

Excludes watches.
Jewelry Deals

Charlotte Russe Coupons
g: 0 Posted By: jskins
Views: 119 Replies: 0 Select Maidenform Bras 79% Offwith free in-store pickup at Sears.com. (Prices Starting at $7.99)

Maidenform Pure Genius Front Close Under-wire Bra- Originially: $38 Now: $7.99
Maidenform Women's Demi Cup T-Shirt Bra- Originally: $38 Now: $7.99


*Sizes and color choices available are limited*
Clothing Deals

Sears Coupons
Experience with First Command Financial Services?
Added on : Thursday June 05th 2014 01:00:07 PM
g: 0 Posted By: diffeldoof
Views: 90 Replies: 3 Hello all,

I think this is my first thread in FWF, but I've probably read almost every thread over the last year or so and have learned a lot.

I have an appointment with First Command in a few days to discuss our financial goals and they offer a complimentary financial plan to first-time military clients. I hear they are pretty big but there's nothing in FWF about them... just a lot about financial advisors in general. Does anyone use them and care to share their experience and what to expect?

Generally speaking I'm not really looking for advice on our personal situation, but the background is I have a pretty good idea on what we can do investment-wise from reading all the "I have $50K how should I invest?" threads . My wife won't entertain us investing in anything other than TSP until we speak to a "professional."

I'll post our experience if it helps...
Discussion Deals
401k/IRA questions
Added on : Thursday June 05th 2014 10:00:12 AM
g: 0 Posted By: coolcomp
Views: 145 Replies: 6 Changing employers and want to get my 401k out. The best plan as I have researched suggests doing a 401k to IRA conversion. The 401k is managed through a smaller company sponsored firm. Couple of questions

1) Is rolling over to IRA the best option for people on temporary visas (H1). I saw quite a few threads discussing this, but there was no real conclusion I could make out. The general idea has been to maintain a IRA accnt now. And when you immigrate back to your home country (India), convert to a Roth IRA every year upto your std deduction (10.5k now) and then withdraw. Is this right? Will there be taxation in the home country when you withdraw from roth IRA later on?

2) Is backdoor roth conversion a way of avoiding taxes when you convert from IRA to roth?

3) I saw some firms for IRA accounts like Fidelity/Scottrade etc. None of them take any fees for opening and maintaining the account. Is the idea to earn money only from the trades? As of now, want to invest in something safe and leave it for some years like the vanguard retirement 2040 etc. So once I invest into Vanguard 2045, I will pay a one-time commission fee of 5-10$ and that's it?


Investing Deals
g: 0 Posted By: ctgolfer
Views: 71 Replies: 0 use promo code: MPOWENGI

Mpow Engine is the smallest (Height:1.69 inch Diameter:1.25 inch) bluetooth speaker in the world, with the internal 3W speaker, it won't sacrifice audio quality for portability.
Move your music which moves you. Play the music where you play: With the rubber lanyard clip to your belt or bag, making it ideal for on-the-go lifestyles.
Mpow Engine Bluetooth Speaker delivers full, natural sound from an ultra-compact speaker that fits in the palm of your hand.
The unit's built-in, rechargeable lithium battery lasts up to five hours and can be charged via the included USB cable, letting you enjoy your music without the fuss of entangled power cords or the need for an electrical outlet.
Smart Bluetooth Connection - automatically connects to your device. Compatible with all Bluetooth enabled devices

www.amazon.com/dp/B00KBSH5QI/
Mpow Deals

Amazon Coupons
g: 0 Posted By: DizzyT71
Views: 105 Replies: 0 Value Massage via eBay has theElectric Full Body Shiatsu Massage Chair Recliner w/ Heat Stretched Foot Rest 06Con sale for $719.99 with free shipping.

Compare at $1099.00 @ Amazon.

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.
Chop Action Tapping and Flapping: Reduces soreness and ache fasten, relax stiff muscles and soften thick layers of fatty deposits, stimulate nerves and stressed muscles.
Easy to follow install video
1 year limited warranty

4.2/5 Stars based on 44 customer reviews on Amazon.
Home & Garden Deals

eBay Coupons
A way dental insurance makes sense: not requiring a wait period
Added on : Tuesday June 03rd 2014 07:00:08 AM
g: 0 Posted By: Gauss44
Views: 81 Replies: 2 I'm doing some research to figure out if all individual dental insurance policies, as oppose to group policies (that require working for a certain employer), require new subscribers to wait some number of months before their coverage begins. I will post results as I get them.

Delta Dental - Requires a wait period
BCBS - Has no individual plan (only plans through employers)

(The significance is that no wait period means, I think it means, you can just buy the insurance before heading to the dentist if and when it's needed.)
Discussion Deals
g: 1 Posted By: tedhawkins
Views: 105 Replies: 0 Fender Vince Ray "SpookShow" T-Bucket Acoustic-Electric Guitar $249.99 FS @ MF

http://www.musiciansfriend.com/stupid

Product Description

Fender and acclaimed hot rod artist Vince Ray have once again put their creative minds together for another deranged custom guitar sure to turn heads. The Vince Ray Spook Show T-Bucket acoustic puts the dread in dreadnought, with one-of-a-kind, over-the-big-top graphics that evoke the creep-tastic circus sideshows of yesteryear.

Under the hood its a genuine Fender T-Bucket that sounds as bold as it looks. Features include a cutaway for easy access to the upper reaches of the 20-fret rosewood fingerboard, spruce top with quartersawn scalloped X bracing for balanced tone, mahogany back and sides for mellow midrange, mahogany neck with a comfortable C-shaped profile, pinstriped Fender F inlay at 12th fret, rosewood bridge with compensated saddle, and Fishman Isys III pickup/preamp system with on/off switch, 3-band EQ and chromatic tuner.
Features
Body Shape: Dreadnought cutaway
Body Material: Spruce top with laminated mahogany back and sides
Body Finish: Gloss urethane
Bracing: Scalloped quartersawn spruce X bracing
Headstock: Traditional Fender
Neck: Mahogany, C shape
Neck Finish: Gloss urethane
String Nut: Graph Tech NuBone, 1.69" (42.9mm)
Fingerboard: Rosewood, 11.81" (300mm) radius
Frets: 20
Position Inlays: White dot
Scale Length: 25.5" (648mm)
Hardware: Chrome
Tuning Machines: Die-Cast
Bridge: Rosewood with Compensated Graph Tech NuBone Saddle
Strings: Fender 60L, Phosphor Bronze, (.012-.052 Gauges)
Controls: Built-In Chromatic Tuner with On/Off Switch, Volume, Bass, Mid, Treble
Special Electronics: Fishman Isys III System with Active Onboard Preamp and Tuner
Other Features: Custom-designed spook show graphics on top, back and headstock,
Graph Tech NuBone nut and saddle, inlaid Fender "F" and pinstriping motif at 12th fret, dual-action truss rod, white front and side dot position inlays, factory-mounted forward strap button with internal block reinforcement, black with white dot bridge pins, chrome endpin jack
Electronics Deals
g: 0 Posted By: ctgolfer
Views: 50 Replies: 0 With a minimum of fuss and expense, R Series speakers ably reproduce accurate sound with impressive volume, in attractive, solidly built cabinets.
Superior home theater and music performance.
Slim tower design conserves floor space, occupies less than one square foot.
Polk Audio's exclusive Dynamic Balance drivers and tweeters for wide response and low distortion.
Wide dispersion drivers and tweeters project sound over a wide area so every listener in a room hears open, three-dimensional sound.
Dual 6.5 inch (165mm) drivers provide nearly the bass radiating surface area of a 10 inch woofer but with the imaging, clarity and detail advantages of smaller drivers.
Front-firing bass port for high efficiency and powerful bass response.
Arched grille design eliminates grille interference with the port output, lowering turbulence and distortion (and it looks real cool too!).
Carpet spikes ensure mechanical stability on carpeted floors for precise bass response and superior imaging.
High efficiency design allows them to be driven by unpretentious amplifiers and receivers, revealing that classic Polk sound...open, spacious and clear.
Magnetically shielded for safe placement near TVs and computer monitors.
5-way binding posts provide a wide array of secure wire-hook up options.

www.newegg.com/Product/Product.aspx?Item=9SIA36V1B24839
Headphones & Speakers Deals

Newegg Coupons
g: 0 Posted By: tedhawkins
Views: 99 Replies: 0 Russell Athletic Youth Dri-Power Zip Sweatshirt $10.96 @ Campmor FS on $50+

http://www.campmor.com/outdoor/gear/Product___32914

Sizes: S(8-10), M(10-12), L(14-16), XL(18-20)

Russell Athletic makes this sweatshirt for kids with a hood and a full zipper front.

Made from 50% cotton/50% polyester using Russell Athletic Dri-Power technology, creating a moisture-wicking, quick-drying fabric.
Set-in sleeves.
Rib knit cuffs and waistband.
Muff front pocket.
.
Clothing Deals

Campmor Coupons
New FATCA (H.R. 2847) provisions take effect on July 1, 2014
Added on : Monday June 02nd 2014 05:00:09 AM
g: 1 Posted By: MasterSplinter
Views: 429 Replies: 4 In a nutshell, FATCA will require foreign banks/brokerages to report financial information about accounts owned by Americans to the US Government or face severe penalty. The reporting requirements are stringent and a large number of foreign banks are no longer taking Americans as customers.

One of the under-reported risks to the American economy stemming from FATCA is the potential for wide-scale disinvestment from the United States by foreign institutions seeking to avoid the IRS, penalties, and huge compliance costs. The 30-percent FATCA "withholding tax' represents a powerful incentive to get out of U.S. markets entirely. The implications for the stock market, bonds, the dollar, and more could be monumental.

Smaller firms that aren't able to deal with the compliance costs or the crippling withholding taxes, seem especially likely to ditch American markets.

How do you see this playing out?

Discussion Deals
g: 1 Posted By: remick
Views: 127 Replies: 0 http://www.amazon.com/gp/product/B004SIR422

Many of us are crazy about money. We spend too much of it and save too little. We hoard it and we sink into debt over it. We lavish it and are stingy with it. We lie about it and fight over it. We think about it all the time and we avoid thinking about it at all.
What makes us act this way? We like to believe that our choices and actions are guided by rationality and common sense. But in fact, reason and common sense often have little to do with our money behavior. Even trained financial professionals can be crazy about money. Rather, our decisions are governed by our emotions and money beliefs.
If these emotions and beliefs are balanced and clear, we will act wisely with our money. If they are confused, we will make poor decisions, creating financial havoc and deep unhappiness. Crazy About Money helps you identify the unconscious emotions and beliefs that typically develop in childhood and drive your money decisions as an adult. It also shows you how to change misguided attitudes that lead so many people into money trouble.
Crazy About Money uses real and composite cases drawn from author Maggie Bakers 30 years of clinical psychology practice. Youll learn about Mary, who has a basement full of useless Internet purchases she made to get even with her seemingly indifferent husband. And about Harry, an 89-year-old multi-millionaire bachelor who nearly decided to move into a state-assisted living facility for fear he would run out of money. You will also meet others who, perhaps just like you, over-spend, under-save, and make poor investment decisions.
In-depth discussions explain how many people, once they understand their motivations, are able to break short-sighted or destructive money attitudes and patterns of behavior. Exercises at the end of each chapter will help you examine your own feelings and actions and point the way toward smarter choices with money, whether in saving, investing, spending, giving, or sharing.
In todays economic climate, its crucial to understand how you make money decisions and how you can improve them. Emotional clarity about money and financial literacy are necessary 21st-century survival skills.

Praise for Crazy About Money from other money experts:

Funny, humane, and to the point, this will be the most fun youve had while learning why we act as we do. It is a bible for anyone who teaches or counsels people about their money. Kent Engelke, Managing Partner and Chief Strategist, Capitol Securities Management

Read this book and insist that your financial advisors read it as well! G. Scott Budge, Ph.D., Psychologist/Managing Director, RayLign Advisory, LLC

"Crazy About Money takes a uniquely direct approach to how and why so many of us struggle with money. Dr. Baker draws on her extensive professional experience and her personal journey with her own finances to teach us that a healthy relationship with money is both freeing and attainable... this book a great read for anyone looking to understand his/her own attitudes and spending habits."
Leslie Gordon Mayer, Ph.D. President &CEO, Mayer Leadership Group; Fellow, Wharton School of Business

"... A priceless contribution to the field of money psychology, this book is a must-read for individuals and couples facing money conflicts or money avoidance. Mental health professionals, money coaches and financial professionals will also find it a great resource for themselves and their clients."
Olivia Mellan, psychotherapist, money Coach, speaker, and author of Money Harmony and The Client Connection (with Sherry Christie)(moneyharmony.com)
Totally Free Deals
g: 0 Posted By: bittul
Views: 146 Replies: 0 Got (almost) all my Children's Place shopping done during the past week (with the crazy deals, and then the 40% off), but I always browse through their site when they have Free Shipping no minimum to see if there's anything else I need

These are cute and cheap.

http://www.childrensplace.com/webapp/wcs/stores/servlet/en/usstore/p/kids-clearance-clothing/baby-boy-clothes/multi-striped-tie-2013805-AF

http://www.childrensplace.com/webapp/wcs/stores/servlet/en/usstore/p/kids-clearance-clothing/baby-boy-clothes/rugby-striped-tie-2013806-IV

Use code: D4F6572 for 20% off.

$1.96 shipped.
Kids Clothes Deals

The Childrens Place Coupons
New FACTA (H.R. 2847) provisions take effect on July 1, 2014
Added on : Sunday June 01st 2014 06:00:03 PM
g: 0 Posted By: MasterSplinter
Views: 46 Replies: 0 In a nutshell, FACTA will require foreign banks/brokerages to report financial information about accounts owned by Americans to the US Government or face severe penalty. The reporting requirements are stringent and a large number of foreign banks are no longer taking Americans as customers.

One of the under-reported risks to the American economy stemming from FATCA is the potential for wide-scale disinvestment from the United States by foreign institutions seeking to avoid the IRS, penalties, and huge compliance costs. The 30-percent FATCA "withholding tax' represents a powerful incentive to get out of U.S. markets entirely. The implications for the stock market, bonds, the dollar, and more could be monumental.

Smaller firms that aren't able to deal with the compliance costs or the crippling withholding taxes, seem especially likely to ditch American markets.

How do you see this playing out?

Discussion Deals
Inheritance situation (mother-in-law NOT dead)
Added on : Sunday June 01st 2014 01:00:05 AM
g: 0 Posted By: jhuflyer
Views: 0 Replies: 0 Mother-in-law, verbally, told us about her intent of inheritance. We haven't seen the will and probably won't until executed.

She has a house which is completely paid off on the East Coast and it will go to my wife and her sister upon death, current worth about$320k. There's a clause however that her 3rd husband (deadbeat: b&e, marijuana poss, constantly on unemployment, DUI, credit issues, foreclosure), is allowed to live in the house until he dies, or wants to move out. Supposedly he has no right to the house according to a prenup (I have no access to this either).

i don't want to be laden with a house I own in the future where some deadbeat isn't paying for utilities, trashing the house, or paying property tax. Any thought,discussion, or experience?

BTW, I posted here more for entertainment purposes than anything as I'm very prepared to use a lawyer when the situation arises. And will also conjecture with a lawyer within the next couple months.
g: 0 Posted By: st4rdust
Views: 156 Replies: 0 eBags (via the Newegg Marketplace) has the Samsonite Classic Three Gusset Briefcase(SM43270) for$49.99with free shipping.



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Office & School Supplies Deals

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PayPal Prepaid Debit $4.95 monthly fee
Added on : Saturday May 31st 2014 11:00:12 AM
g: 0 Posted By: PennySaved9
Views: 42 Replies: 0 I opened a PayPal Prepaid debit card account with the Savings account (up to $5000) that gets about 5% in Feb 2013. I avoided the $4.95 per month fee by keeping the debit account balance at zero (as was explained to me by other users). The fee would only be charged is there was a balance in the debit account supposedly. I recently checked the account and now see I have been charged a $4.95 fee for April 2014, so the debit account shows a negative $4.95 balance. This effectively lowers the return I would be getting on the $5000 in the the savings account from 4.91% to 3.72%. Still not bad. So I guess there is no way of getting around this fee now.
Discussion Deals
Getting screwed on a special assessment
Added on : Saturday May 31st 2014 11:00:12 AM
g: 0 Posted By: NYC-606
Views: 111 Replies: 2 Hey guys,

So I think I'm getting screwed here on a special assessment. I'm being charged $7,200 on balcony repairs when in my opinion they knew about the repairs coming and knew they would be a special assessment. I bought my place in May 2012 and the 22.1 provided said this:
22.1 Disclosure said: Except as noted on budget, in meeting minutes or stated here, no additional capital expenditures/specials are currently being discussed.

When I asked the management company about the special assessment, they claimed they knew about it since 2008.
Management said: The 2008 Reserve Study [updated in 2013] recommended that the balconies be addressed in 2014. [This study was updated in 2013 to say that it was still needed and then they started planning the assessment]

Management said: Check the documents provided as part of your buyer package. Minutes of meetings, the 2008 Reserve Study, and budgets should be part of that package.

Management said: Balconies are limited common elements and the responsibility of the unit the balcony is associated with. The Association has no responsibility in paying for balcony repairs, and cannot use capital reserve funds to pay for the repairs.



As I've stated, these documents were not provided and the only thing I see is a document actually saying that there is nothing planned.

I called the management out on this, and they then changed their tune to this:
Management said: Paid assessment letters state only whether special assessments are being discussed or planned for a finite period. They do not address what will funding will be expended beyond what is stated in the budget for that year, or is present in minutes.

It is not reasonable to expect that there will never be a special assessment. To determine costs of ownership, it is the responsibility of prospective unit owners and their advisors [lawyers and realtors] to request any documents which will assist in determining those costs, and then use those documents to determine whether special assessments will be required.


They are claiming that since it wasn't official, that they don't have any liability in this, but I feel that they have claimed they knew they would need to be addressed, and also that it would always be a special assessment.


I'm trying to contact my real estate lawyer, but he isn't responsive so far. Any help on these forums? Do I have a case to not pay this?


Discussion Deals
g: 0 Posted By: ctgolfer
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New GE Interest Plus Investments NO MORE!
Added on : Friday May 30th 2014 03:00:06 PM
g: 0 Posted By: BrunoB
Views: 116 Replies: 0 I tried to check the current GE Interest Plus rate but it was no more! I also noticed the following. Does anyone know the current max. rate (last I checked, the max. rate was 1.05%) and why GE Interest Plus was taken off the market?
http://www.gecapitalinvestdirect.com/index.html

Important Information About New GE Interest Plus Investments:
New investment accounts in GE Interest Plus and GE Interest Plus for Businesses are currently not being offered. If you continue, you will only be able to open a new investment in GE Capital Select term notes or complete a previously started GE Interest Plus application.
Discussion Deals
MAGI & ROTH IRA limit question
Added on : Friday May 30th 2014 09:00:10 AM
g: 0 Posted By: CoastieRob
Views: 26 Replies: 0 I searched and saw some threads related to this, but none directly addressed this question. Hoping FWF can answer for me:

The income limit for single filers is $114k to contribute fully to a ROTH IRA. I understand this is based on MAGI (http://www.rothira.com/roth-ira-limits). Say I make $130k, but contribute the full $17.5k to my 401k, my taxable income is now $112.5k, under the limit. Am I eligible to contribute to a ROTH IRA via the regular method (not the backdoor) ? So I guess my question is how MAGI is calculated, and from what I found online, MAGI adds back certain deductions to AGI, but 401k contributions are not specifically listed, hence my confusion.

On a side note, I typically contribute to my ROTH IRA fully in early January each year. I suppose one advantage to waiting until Mar/April of the following year is to gain better insight into your income, huh? For some people this will not be a concern I realize, as their salaries may be very stable/known.

TIA!


Discussion Deals
Get 50% off Valvoline Wiper Blades @ Sears
Added on : Thursday May 29th 2014 08:00:02 PM
g: 0 Posted By: ctgolfer
Views: 162 Replies: 0 Wipe away rain, sleet or debris with wiper blades from Valvoline. The Valvoline Silver Series ensures clear performance up to speeds of 65 mph. When you're cruising down the highway, you'll have a cleaner, streak-free windshield, giving you a clear view of the road ahead.

The Valvoline Silver Series Wiper Blade is constructed with heavy-gauge steel. The anti-rust finish provides strength and durability for longer life. The rubber blade gives you a consistent, streak-free finish over the entire wiping surface. The Valvoline Silver Series comes with a pre-installed adapter to fit 98% of domestic vehicles.

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Auto Parts Deals

Sears Coupons
g: 0 Posted By: Gauss44
Views: 183 Replies: 0 http://nutellausa.tumblr.com/post/86208709048

http://www.boston.com/news/local/massachusetts/2014/05/29/nom-th...


(I cannot speak to how generous they will or will not be.)
Limited Eligibility Deals
g: 0 Posted By: Gauss44
Views: 125 Replies: 0 http://nutellausa.tumblr.com/post/86208709048

http://www.boston.com/news/local/massachusetts/2014/05/29/nom-th...


(I cannot speak to how generous they will or will not be.)
Limited Eligibility Deals
AAA TMOBILE discount EXPIRES
Added on : Thursday May 29th 2014 03:00:05 AM
g: -1 Posted By: Sangel
Views: 36 Replies: 0 Well after a bunch of WRONG info from TMO chat sessions and employees.. I have finally figured out Tmobile AAA discount no longer is going to apply and TMO has ended the relationship with AAA discount.
Anyone have any ideas of other discounts I can apply to lower my AAA bill. Self employed so nothing through work.

HONESTLY I'm gonna have to jump ship if I don't find anything because that AAA discount was what was holding me there for YEARS. I pay for a total of 5 lines plus a tablet and accepted the TMOBILE flaws because the discount but I might as well go with better phone service .

Please no number crunching replies while I appreciate the effort I KNOW TMO can be a BIT cheaper ,but without the AAA discount I would rather just get better service. Phone purchases don't figure in either since I have a huge assortment of available phones to jump ship.

I been with these guys like 10 years being loyal through ups and downs and crappy reception now they are cutting my little discount as THANKS for that and take one up the wazoo!!!!!

Discussion Deals
'Median Income of an Uber Driver in NYC Is Nearly $100k'
Added on : Thursday May 29th 2014 02:00:05 AM
g: 0 Posted By: tuphat
Views: 106 Replies: 2 Since we have discussed the economics of Uber before:

UBER LUCRATIVE The Median Income of an Uber Driver in NYC Is Nearly $100,000, by Entrepreneurs Geoff Weiss: Transportation startup Uber announced some staggering figures on its company blog [T]he median UberX driver in New York City who works 40 hours per week pockets an annual salary of $90,766. This stands in stark contrast to the average New York taxi drivers salary, whose median take-home is $38,357 per year, according to Salary.com. http://goo.gl/SBA2Cs

via Politico Capital
Discussion Deals
Financial Implications of UberX
Added on : Wednesday May 28th 2014 08:00:05 PM
g: 0 Posted By: BigManonCampus
Views: 56 Replies: 3 I know this idea has partially been discussed here:http://www.fullofdeals.com/forums/finance/1337560/ but I wanted to go into a bit more detail and go with a slightly better thought out "business plan" for UberX driving. I recently finished my MBA and so I suddenly have what feels like a ton of free time at night and on weekends. There are the obvious FWF solutions of how to spend this time (H&B, etc.) but it seems like some amount of this time could be spent making more money and getting me out of the house. I had an idea today to start driving for UberX a couple nights a week (I'm thinking a weekday night and a weekend night) and how it could potentially be profitable.

My current vehicle is a pickup truck, so I'd have to obtain a second vehicle for Uber driving. Their requirements are <10 years old, clean title (not salvage/rebuilt), "excellent cosmetic and mechanical condition" (frighteningly vague) and 4 doors. A bit of basic craigslist/autotrader browsing suggests I can get a suitable 4 door vehicle with ~100k miles on it that is exceptionally unpopular (Suzuki Forenza/Verona, Chrysler Sebring/PT Cruiser, Chevy HHR, etc.) for around $3,500-5k. Alternatively, there are some nicer options (Lexis IS250, Cadillac CTS/Deville) in the $7-9k range. The hope would be that I could essentially drive these cars around 20k miles and do little maintenance beyond oil changes and treat this car as my UberX whipping boy then just sell them for roughly I have in them (alternatively, if something serious breaks or the car is totaled, consider it a capital loss and see what I can get for scrap, I'm cool with this risk).

So, here's my math:
Shift Mileage $ from Mileage $ from Time (Assuming 80% time/mile ratio) $ from Base fares (assuming 5 mi/ride*$2) Total Gross Earnings Uber's Cut Gas Cost @ 25 mpg @ $3.7/gal IRS Mileage Deduction (.56/mi) Taxable Amt Tax Burden ( assumed @30%) Net Earnings 20 28 22.4 8 58.4 11.68 2.96 15.82 30.9 9.27 21.63 40 56 44.8 16 116.8 23.36 5.92 31.64 61.8 18.54 43.26 60 84 67.2 24 175.2 35.04 8.88 47.46 92.7 27.81 64.89 80 112 89.6 32 233.6 46.72 11.84 63.28 123.6 37.08 86.52 100 140 112 40 292 58.4 14.8 79.1 154.5 46.35 108.15 120 168 134.4 48 350.4 70.08 17.76 94.92 185.4 55.62 129.78 140 196 156.8 56 408.8 81.76 20.72 110.74 216.3 64.89 151.41 160 224 179.2 64 467.2 93.44 23.68 126.56 247.2 74.16 173.04 180 252 201.6 72 525.6 105.12 26.64 142.38 278.1 83.43 194.67 200 280 224 80 584 116.8 29.6 158.2 309 92.7 216.3
Here's my explanation of my assumptions/numbers
Shift Mileage: Assumed mileage driven with a paying passenger

Income:
$ from Mileage: Assumed mileage x mileage rate
$ from Time: I took my last twenty UberX trips and the average Mileage $/Time $ was around .8, so I just multiplied $/Mile * .8
$ from Base Fare: Obviously this is highly dependent on number of trips. I punted on this one and assumed each trip was 5 miles, so every 5 miles I make $2/base fare.
(Not Calculated): Any weekend night I don't spend partying in bars, I don't spend money on drinks/rides home.

Deductions:
Uber's Cut: 20%. I would probably also drive for Lyft as well, in my travels, I've seen many drivers do both UberX and Lyft at the same time, but I'm assuming whomever I'm driving for, that's commission.
Gas: My assumptions per mile
Taxes: Assume 30% for taxes and 56.5 cents per mile deducted.

The obvious things ignored here are miles with no earnings going to pick somebody up (to which I have no idea how to calculate) and insurance costs. I assume my insurance costs will be minimal because it'll be a second car on my current single driver policy and carry liability only insurance. If I have a $3,500 car that is only the UberX whipping car and I total the thing, I assume my insurance and Uber's $1 million liability will pick up the liability, and I'll just get rid of the wrecked car and decide that UberX wasn't worth it.

I'm assuming that using a normal distribution with the above numbers and assuming 60-120 paid miles, I'll average $100/night (I suspect it would be more like $50/weeknight, $150/weekend night) Whether this is realistic or not, I don't have a good way to determine, Uber's community managers swear that everybody gets $1000+ a week, blah blah blah.

So, my only unknowns are the real UberX market in my city, if I bought a car and immediately had to put a significant amount of money into it ($500 repair or something two weeks after I get it), but that is just a risk I have to take with this plan.

So, FWF, anything I'm missing?
Question Deals
my experience with the ACA; does this mean I'm poor?
Added on : Wednesday May 28th 2014 06:00:03 PM
g: 0 Posted By: bluegreenturtle
Views: 132 Replies: 2 I see no reason to create an Alt for this - I have no idea why people do when asking personal questions. So last month, I was looking through various health insurance options for next year (we opted to "keep our insurance" because it was very cost efficient, a $3500 deductible HSA) and the site redirected me to a "community adviser" which is what my state (Oregon) is using to sign people up for ACA compliant plans (because, as you might have heard, our website is dadgum broken). It gave some details on "Healthy Kids" which is our state's low income assistance for people under 19 and it seemed like we might qualify, so I signed up for a call from the adviser.

To my surprise, using our tax return as an income qualifier, we not only qualified for assistance, our children qualified for the "no cost" options for assistance and the adviser took their info and signed them up right away because our income was "so low". We signed up for new insurance that is similar to in cost, though slightly worse coverage than what we had, but getting the kids on the healthy kids plan cut our premiums way down. I'll post the qualifications for the plan at the bottom of the post - basically if you're at 300% or below of the poverty level, you qualify for full coverage for your kids.

The number that brought this about was that our AGI on our return was $55,000. The insurance adviser said that the state considers anything below an income of $78,000 for a family of four to be qualified for free health coverage for the kids. To arrive at the AGI, we also contributed $16k to my SEP IRA, $5500 each to our trad. IRA's, and $3250 each to our HSA, so we put away about $33k this year in tax deferred accounts and paid all our bills too. To me, this doesn't seem like a family that should qualify for public assistance.

So my question is this: am I poor? Does this mean we're on public assistance? I'm a long time member of Fatwallet, have always felt we were doing well above average, even among members of this forum - the above information shocked me; our state considers us to be in need of public assistance. Maybe I'm deluded. I grew up poor and am usually happy with our little successes. I feel like I'm missing something - the forms have all come with our children signed up, and now we don't have to pay for their premiums, and their coverage is complete, supposedly, much better than what we had buying it. I have no idea if they verified our income - it seems like they must have, but I'm not sure how they had time.

Here is a link to the qualification guidelines. Obviously every state is different. Perhaps ours is overly generous. http://www.oregonhealthykids.gov/families/qualifications.html

Discussion Deals
Question about multiple claims against my homeowner's insurance.
Added on : Wednesday May 28th 2014 03:00:09 PM
g: 0 Posted By: chocula
Views: 31 Replies: 0 I have a couple of questions about making another claim against my homeowner's insurance.

I have had the same insurance company for my house and car for about 15 years or so. I never had a claim until about 8 years ago when our town was hit pretty hard by tornadoes and an extremely large tree landed on our house. Somehow our chimney took the brunt force of the tree (i was sleeping under where the tree landed on the house), it still did about $30k in damage to our house.
We filed an insurance claim and they paid everything but our deductible. Other than about 3 or 4 back and forth messages there were no issues with getting the work approved and the contractor paid.

About 2 years ago, I got a chip in my windshield and was told that the insurance company would repair those for free. We had a guy come out to the house and he repaired the windshield.

We have lived in our current house for almost 7 years and have never had a claim against it. Last year, we had a really bad storm and about 60% of the houses on our street had their roofs replaced. We decided against repairing the roof or filing a claim since we had one previously. In the 7 years we have lived here, we have had several bad storms.
Last week, we had another pretty bad storm and the builders were out in force trying to get people to replace their roofs.

After the most recent storm, we had a very small amount of water in our garage where you could see it leaked from the roof area.

My wife and I were discussing whether or not we should get our roof replaced and decided to have someone inspect the roof. You can clearly see the damage from the hail on the shingles and the flashing. Several of our screens were damaged as well. My vehicle has a few hail marks on it, but it is 8 years old and a few marks on it are no big deal.

The builder that inspected our roof said that the front part of our roof has a great deal of damage, but surprisingly the back part of the roof is not that bad.

I have read here that just calling your insurance company about these issues can count against you, so I wanted to get some advice before calling them.

My questions:
1. Will having another claim cause my premiums to go up?
2. Can they cancel my insurance if I have a 2nd claim? I am guessing it will be $5-6k to replace the roof (based on the costs for my neighbors to get their roofs repaired).
3. The builder said that my insurance company may not pay for the back part of my roof because it was not that bad. Would an insurance company only repair half a roof?
3A. Our house that was hit by a tree in Atlanta was a split level and only one roof was damaged. We paid for one roof and the insurance company paid for the other one,
4. Do you have any advice for me with this situation?

Thanks in advance. We are obviously trying to get the roof repaired, but at the same time do not want to lose our insurance.


Question Deals
g: 0 Posted By: remick
Views: 69 Replies: 0 Why watch PlayStations E3 Press Conference on a puny browser window when you can see it on the silver screen? On June 9th, were inviting PlayStation fans in the US and Canada to experience the E3 press conference in a new way live, on a massive screen in more than 40 movie theaters.
Join us and host Geoff Keighley for the PlayStation E3 Experience, featuring an HD simulcast of the PlayStation E3 Press Conference. Attendees will also see 30 minutes of extra content, including exclusive extended game footage and interviews with the worlds biggest game developers. And hey, if you show up, we might even cough up a few surprise gifts.
Best of all, its free. Space is limited, so make sure to register for the event soon here: http://eventgrid.com/Custom/playstatione3
If you dont live near one of the fine cinemas listed below, never fear: Youll be able to watch all the gaiety from your computer or smart phone right here on PlayStation.Blog (or PlayStation.com and Ustream.tv/playstation).

PlayStation E3 Experience The TL;DR Version
When: Monday June 9th at 8:30pm ET / 5:30pm PT (show starts at 9:00pm ET / 6:00pm PT)
Where: 40-50 theaters across US and Canada
What: Watching the PlayStation Press Conference LIVE in HD from the comfort of a movie theater with other PlayStation fans. Event features 30 minutes of exclusive content, including extended game footage and developer interviews. Plus surprise giveaways!
RSVP: Free to attend, but space is limited. RSVP here: http://eventgrid.com/Custom/playstatione3

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AK Anchorage Cinemark Anchorage 16 with XD
AL Birmingham Regal Trussville 16
AZ Phoenix AMC Ahwatukee 24
BC Vancouver Cineplex Cineplex Odeon International Village (Tinseltown)
CA Los Angeles AMC Century City 15 with IMAX
CA San Diego AMC Mission Valley 20 with IMAX
CA San Francisco Cinemark Century 9 San Francisco Centre with XD
CO Denver Regal Pavilions 15
DC Washington AMC Mazza Gallerie 7
FL Miami AMC Sunset Place 24 with IMAX
FL Orlando Regal Waterford Lakes Stadium 20 with IMAX
FL Jacksonville Regal The Avenues Stadium 20
GA Atlanta Regal Hollywood 24 @ North I-85
ID Boise Regal Boise Stadium 22 with IMAX
IL Chicago Regal City North 14 with RPX
IN Indianapolis Regal Galaxy 14
KY Louisville Cinemark Tinseltown Louisville
LA Baton Rouge Regal Citiplace 11
MA Boston Regal Fenway 13 with RPX
MN Minneapolis Regal Brooklyn Center 20
MO Fenton Regal Gravois Bluffs Stadium 12
MO Kansas City Regal Kansas City 18 Cinemas
NC Charlotte Regal Stonecrest 22 @ Piper Glen with IMAX
NE Omaha AMC Oakview 24 with IMAX
NM Albuquerque Regal Cottonwood 16
NV Las Vegas Regal Village Square 18
NY New York Regal Union Square Stadium 14
NY Buffalo Regal Transit Center Stadium 19 with IMAX
OH Columbus Regal Georgesville Stadium 16
OK Oklahoma City Cinemark Tinseltown USA
ON Toronto Cineplex Yonge & Dundas
OR Portland Regal Lloyd Center 10 with IMAX
PA Philadelphia Regal Riverview Plaza
PA Pittsburgh Cinemark Pittsburgh North 11
PQ Montreal Cineplex Scotiabank Theatre Montreal + IMAX
SC Columbia Regal Columbiana Grande Stadium 14
TN Nashville Regal Opry Mills 21 with IMAX
TX Houston Regal Houston Marq*E Stadium 22 plus IMAX
TX San Antonio Regal Cielo Vista 18
TX Dallas Regal Galaxy Theatre
UT Salt Lake City Cinemark Salt Lake City 16
VA Virginia Beach AMC Lynnhaven 18 with IMAX
WA Seattle AMC Pacific Place 11
Totally Free Deals
Sold AA points and got this
Added on : Wednesday May 28th 2014 08:00:16 AM
g: 0 Posted By: DesiVibe
Views: 411 Replies: 21 I had sold 55K AA points in Marchand got this email from AA this morning. Has anyone else gotten the same? I got lots of points in my account and am worried about adverse action! Should I reply back or should I just forget about the account

.~~My name is XXXXXX, and I am an analyst with American Airlines. One of my responsibilities is investigating possible instances of fraud, misrepresentation, and violations of the General AAdvantage Program Conditions. Today, Im writing you about your AAdvantage account # XXXXXXXX

We have reason to believe that the transactions listed below violate one or more of the AAdvantage program conditions. This includes, but is not limited to, prohibition of purchase, sale, or barter of mileage credit and or award tickets. As a result, American Airlines has suspended your AAdvantage membership privileges and use of AA.com in conjunction with your account and may terminate your account as a result of our findings. We are in the process of completing the investigation into this matter, and I would like to hear the events as they occurred from your perspective. Please respond to this message by May 30, 2014, with complete and accurate information regarding the activities listed below
:XXXXXXXXXXXXXXXXX

Required Information:
Passenger name
Origin and destination cities on the travel itinerary
Purchaser name (individual, company and/or website), including:
Copy of any advertisements to which you responded offering to purchase/broker the use of your AAdvantage miles
Purchaser contact information, such as:
Mailing address
Email address
Telephone number
Website profile name
Your statement fully disclosing the details surrounding the sale/barter transaction referenced above
Copy of all communication between yourself and the purchaser
Documentation that you received payment

To protect and retain the integrity of the AAdvantage program, it is vital that firm action be taken as a result of any violation of the AAdvantage Program Conditions, whether intentional or not. Failure to respond completely and accurately by May 30, 2014, will result in the termination of your AAdvantage membership and all its benefits, including all remaining AAdvantage miles in your account and any award tickets issued from it.Please, understand that our overall motivation is to preserve the benefits of the AAdvantage program, rather than to take punitive action against individuals. To that end, its not unusual for us to release the AAdvantage account suspension once we receive all the detail we request and reconcile it with the results of our investigation. We hope to hear from you soon.Regards,
Discussion Deals
Potentially Dangerous Tree?
Added on : Wednesday May 28th 2014 03:00:06 AM
g: 0 Posted By: nhokt
Views: 78 Replies: 3 Since the tree thread can has been opened again....

We have about 2 acres of land, most of which is heavily wooded forest that abuts a few neighbors smaller lots, the property boundaries aren't clearly marked that I can see.

On what appears to be very near the edge of our(?) property and close to a neighbors house there is a ~80' pine tree that is rotting at the base due to previous wind damage. An arborist eyeballed it from a distance, said it looked dangerous and recommended it be taken down. Tree service would most likely need to access the tree through neighborsproperty to take it down.

This is the one neighbor we don't know well. I stopped over and had a quick discussion where they didn't seem concerned and didn't want to do anything about it.

Situationseems like a giant liability to me, myidea is to use my legal plan to have a liability release drawn up for any potential damage or harm the tree may cause if it falls and have the neighbors sign it.

What I am missing? Is this risk still too high with the liability release?

Personal Finance Deals
g: 0 Posted By: bittul
Views: 163 Replies: 0 http://www.sears.com/clothing-shoes-jewelry-shoes-men-s-shoes&U.S.%20Polo%20Assn._0-9.99/b-1325051907?filter=Brand_Price&previousSort=ORIGINAL_SORT_ORDER&subCatView=true&viewItems=50&lastSelectedFilter=Price
Shoes Deals

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g: 0 Posted By: ElGuache
Views: 161 Replies: 0 Here is the coupon.
In Store Only.
Item no. 990176
Expires 05/31/14
Office & School Supplies Deals

Staples Coupons
Worst estate plan ever.
Added on : Tuesday May 27th 2014 03:00:07 PM
g: 0 Posted By: CptSavAHo
Views: 226 Replies: 5 So here goes...

Mother in law has 3 different life insurance policies and 3 daughters. They all have different value. Not sure but I'd guess the total is less than $20k. Each daughter is 100% beneficiary on a different policy. MIL sent letters to each to divide the money equally should she pass away. There's tons of ways this could go bad. None of the letters have witness or notary. MIL thinks I'm crazy for trying to get her to witness and notarize new letters and won't call to get the insurance companies to specify 33% each. Can the 3 daughters all sign am agreement to split among themselves and have it notarized? Would it hold any weight if the FIL sued? Extended family has a history of poor financial planning and I don't want to be in the middle of a battle for smallish sums of inheritance.
Discussion Deals
FYI -- Yodlee now working with Computershare accounts
Added on : Tuesday May 27th 2014 02:00:07 PM
g: 1 Posted By: boden11
Views: 60 Replies: 1 I noticed a few odd alerts at yodlee these past few days -- large net worth changes + and - but every time I logged in I didn't see anything different and just chalked it up to transaction posting at weird times. However today I noticed that for the first time in YEARS that my Computershare accounts updated on their own and appear to be working fine!! Took a while, but finally working!! Haven't tried the other sites like mint/personal capital but get a feeling that some of those sites may start working shortly too.
Discussion Deals
IRS considering a plan to tax airline and hotel loyalty benefits
Added on : Tuesday May 27th 2014 09:00:09 AM
g: 1 Posted By: workindev
Views: 125 Replies: 0 Article said: FIRST LOOK: TRAVEL GROUPS RAISE LOYALTY PROGRAM TAX CONCERNS. Four major travel associations today will send a letter to Treasury Secretary Jack Lew on the future of loyalty programs, calling for him to reject including any projects related to the elimination of long-standing tax treatment of customer loyalty programs under r 451. The groups Airlines for America, U.S. Travel Association, the American Hotel & Lodging Association and American Resort Development Association write that the IRS is currently considering a plan that would negatively impact loyalty programs by making changes to the accounting methods. Let us be clear, the IRS proposal to alter the tax treatment of loyalty programs will impose a significant new tax on existing and future loyalty points that travel customers enjoy and rely upon, the letter reads. Ultimately, any change or clarification of loyalty program accounting should be made through the legislative process, not IRS promulgation.
http://www.politico.com/morningtax/0514/morningtax14014.html

I know the discussion about taxing loyalty points comes up fairly often here (particularly when talking about Manufactured Spending), but it's pretty clear that some bureaucrats and politicians want to get their grubby hands on your airline miles and hotel points.

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credit card processing merchant for business
Added on : Tuesday May 27th 2014 09:00:09 AM
g: 0 Posted By: eddiecuenca
Views: 110 Replies: 2 Hey all-
Looking for a good and reliable credit card processing service for my business.

Bluepay?
Square?

Chase paymentech?
Wells Fargo?

500-2k a month in transactions through credit and debit cards.

Anyone have good recommendations?

Thanks in advance.
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New Arrivals: Buti - Black and Red Leather Satchel Bag
Added on : Tuesday May 27th 2014 09:00:04 AM
Black and Red Leather Satchel Bag crafted in textured calf leather in a vintage style with rock appeal. Featuring double rolled handles in red leather with contrast stitching, red tab slip top zip closure, side snap gussets, front piping and stitching, embossed logo, detachable fringe key fob, interior zip pocket and silver tone hardware detail. Made in Italy.
g: 4 Posted By: remick
Views: 302 Replies: 0 http://www.amazon.com/dp/B004ZLB9WI

4.7 out of 5 stars (36 customer reviews)

Too often Christians carry a lot of guilt and baggage when it comes to their relationship with God. The problem is that so many of us believe unbiblical, damaging things about how critical God is and how fed up he must be with us. But many of the things we think Jesus would say to us--things like "I can't believe you call yourself a Christian," "If you really loved me, you'd try harder," and "I'm so disappointed in you"--are things he never said. The solution, says Will Davis Jr., is to stop believing the lies and start believing the things Jesus did say.

In 10 Things Jesus Never Said, Davis unmasks commonly believed myths about our relationship with God and shows readers how to replace this pervasive theology of failure with the truth of how Jesus really feels about them. Discussion questions at the end of each chapter help small groups or individuals apply these truths to their current situations. Anyone who has ever felt that they didn't measure up to God's standards will love this freeing exploration of grace and forgiveness.
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g: 0 Posted By: remick
Views: 74 Replies: 0 http://www.amazon.com/Our-Worlds-Story-Eric-Burnett-ebook/dp/B00...

Do you know how we got to here?

Well, if you're like 97.4% of the people walking the planet, you haven't got a clue. Sure, you might know a bit about a couple rivers in Mesopotamia, how Socrates wandered around Athens asking questions or how Martin Luther got ticked off one day and nailed a really long essay to the door of a church. But to be honest (and don't be embarrassed), you've got some gaps.

Be dense no more. In "Our World's Story," Eric Burnett takes you through all the major tales, traditions and turning points of world history - not just European history, but WORLD history. You'll figure out real quick that the West might have had some crowning moments, but for the whole of human history, it's been the Persians, the Indians, the Chinese, the Muslims or some horse peoples from the steppe that have truly turned us into the clever little creatures we are today.

And when most world history books fade off once the Cold War comes to a close, this sometimes cheekily-written tome just gets going. It finishes with a distinctively comprehensive look at the 21st century challenges facing the nine major regions of today's world - Africa, Latin America, Japan, China, the Middle East, India, Russia, Europe and the United States.

"Eric Burnett expertly understands exactly what his audience wants to know, what they need to know. A page-turning account of our proudest achievements and our most colossal bumblings. It's world history for the rest of us." - Ibn Battuta



An Introduction to World Religions
http://www.amazon.com/gp/product/B00CSC1XD6

A companion to a Sophomore level introductory course in World Religions. Developed initially to accompany a course (REL.2300) offered at Eastern Florida State College.
This text is designed to serve as either a Companion Text (to be used along with a typical commercial text) or as a stand-alone text for an introduction to the field of World Religions.
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Tips for my last AOR for the forseeable future?
Added on : Monday May 26th 2014 12:00:11 PM
g: 0 Posted By: bytem3
Views: 58 Replies: 0 ETA: I need to do this by Thursday (5/29).

I have some CCs with annual fees about to become due. Since I may be moving to Canada shortly (and should be able to hit several thousand in USD spend; after that, most/all spend would be in foreign currency), I'd like to get in one final AOR. Air Canada (Star Alliance) is the main airline that services the nearby airport, though it is also serviced mostly by Air Transat, Alaska, Delta, Lufthansa, United, and WestJet. There is also a nearby airport that is serviced by Alaska, Allegiant, and Frontier. I am generally more interested in travel miles (for first class international flights) than hotel nights, but am open to suggestions. I haven't checked my credit score in a while, but it's usually 750+. Last mini-AOR was in February.

Cards I currently have:
Chase: Ink Plus, Freedom/Marriott/IHG; IHG up for renewal, but think I will keep it; I got the Ink Plus in February, but think I just passed the 90-day mark a week or two ago, but didn't think to ask Chase to match the ongoing 60k signup bonus offer
Amex: PRG/BCP/Costco; BCP and PRG up for renewal - have all the MR points unused, but not sure what to convert/transfer the MR points or the cards to
Discover: It
Barclays: Arrival; up for renewal, previously denied any promo/retention offer, and they recently changed the card to their new Arrival Plus World Elite...should I keep this card? Apparently, now more things qualify as travel purchases for 2.2% Cash Back redemption.
US Bank: Cash+/general
BoA: Better Balance Rewards
FIA: Amex/Visa

Cards I am thinking about:
- US Bank Club Carlson 85k promo (50k first purchase, 35k after $2.5k) - not sure if I should get Visa Premier ($75 AF, more perks) vs Business Rewards ($60 AF, but fewer perks) -http://www.clubcarlsonvisa.com/credit/compare.do
- Chase Bold Plus 60k promo ($5k spend, $95 AF waived 1 year)
- ?Chase Sapphire Preferred
- ?Chase United
- ?Amex Starwood
- ?Amex Delta Gold (35k with $1k spend and $50 statement credit on a Delta purchase; $95 AF waived) - now, this card has no FTF. It is a bit confusing, though, since this is a targeted offer I receive after entering my SkyMiles # and last name, but it says "For Personal Use: Welcome bonus offer not available to applicants who have or have had this product" and I already got this card two years ago and held it until just over 12 months ago.
- ?Barclays US Air 40k (first purchase, $89 AF not waived); I already have ~40k miles from getting this same card ~two years ago

Things I'm also thinking about:
- ?What to do with the 50k Amex MR points attached to the PRG? (downgrade to a no-AF MR card?)
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Football Manager 2014 [Online Game Code] $12.49
Added on : Monday May 26th 2014 10:00:03 AM
g: 0 Posted By: GreenTrash
Views: 14 Replies: 0 LINK

Play it whenever, wherever, however
Inclusion of cloud-save technology which means that managers can now pursue a single career from any computer, anywhere in the world. FM14 also includes integration with Steam Workshop making it easy for managers to create and share customised FM content such as photo/logo packs, new and custom competitions and tailor-made challenges using the new Challenge Editor.

Improved Match Engine
The 3D Match Engine has seen extensive improvements, including enhanced AI, improved lighting and player animation, individual player character and kit models, more realistic player reaction to on-field incidents and a range of optimisations which combine to make this the best looking and fastest FM Match Engine yet.

Tactical overhaul
There has been a complete redesign of how tactics are created, selected and implemented with player roles and team strategies becoming even more prominent, definable roles for players for multiple positions, new player roles and instructions and improvements to rival managers' AI so that theyll adapt their tactics more readily over time.

More realistic transfers and contracts
FM 2014 features a revamped transfer module where opposing clubs and managers adopt a more realistic approach when making or responding to transfer offers. In addition, a number of new real world transfer clauses have been added, such as the facility to loan a player back to the club hes just been bought from and the option to offer a combination of cash and loan players, as well as new contract clauses such as a sub bench appearance fee. On top of this, the old turn-based system of transfer negotiations can now be done two ways, the tried and tested system and a new live system, similar to that used in FMs contract negotiations.

More sophisticated board interaction
Contract negotiations are more realistic in FM 2014, as managers and boards can now make demands and lay down their respective visions for the club in both initial job interviews and contract renewal discussions. Managers can also attempt to renegotiate transfer and wage budgets as a reward for staying loyal if theyve been offered a job by another club, with the outcome helping aid their decision on whether to move or not.

Improved interaction with players, staff and media
There is now better interaction between players, managers, their rivals and the media; for example, members of the coaching staff now offer feedback on how reserve and youth team players are performing. Managers can also ask key players to have a word with unhappy squad members, while the introduction of an end-of-season meeting allows the manager to let the squad know how they have performed and set targets for the coming season.

News system
The news system has been overhauled so managers can now deal with many club matters directly from their inbox. In addition, news is now colour-coded, based on category, and contains more detail for example, scout reports now appear as a single news item with a top-line report on all players scouted and the facility to shortlist or make an offer for each of these players.

Enhanced user interface
Major changes have been made to FM 2014s user interface. Key areas have been redesigned including the training overview page, the transfer centre and the news homepage while widespread changes have been made across the games user interface. The language employed throughout the game has also enjoyed a major overhaul and now corresponds more closely to the language of real world football.

Football Manager Classic evolved
Managers can now choose more than three playable nations in Classic mode for a more immersive experience. In addition, FMs fast play mode now includes Transfer Deadline Day, a Match Plan wizard and new unlockables.


PC Minimum System Requirements:

OS: Windows XP, Vista, 7, 8
Processor: Intel Pentium 4, Intel Core AMD, Athlon. Windows XP: 1.6GHz+, Windows
Vista/7/8: 2.2GHz+
Memory: 1 GB RAM
Graphics: NVidia GeForce FX 5900 Ultra, ATI Radeon 9800, Intel GMA X3100: 128MB VRAM
DirectX: Version 9.0c
Network: Broadband Internet connection
Hard Drive: 3 GB available space

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g: 0 Posted By: bittul
Views: 148 Replies: 0 www.childrensplace.com

Free Shipping no minimum automatically applies in cart.

Use code: A8E7P72 for 20% off, or sign up to their email for a one-time 25% off code.
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best commuter car to buy
Added on : Sunday May 25th 2014 01:00:05 PM
g: 0 Posted By: buzylady
Views: 32 Replies: 1 I drive 120 highway miles roundtrip daily to/from work (for which I earn +/- $25k/year more than a comparable job in my hometown). I'm not willing to move asit's in the middle of nowhere. I'm looking for a good gas mileage (no electric car charging stations are available at work), quiet, small (I'm 5'2"), reliable car. I tend to drive with a lead foot (80 mph-ish), and would rather not drive something that feels like a golf cart. Any recommendations?

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TCPA enforcement for fun and for profit up to 3k per call
Added on : Sunday May 25th 2014 08:00:11 AM
g: 3 Posted By: codename47
Views: 146 Replies: 1 Just wanted to get some feedback on the latest experiences people are having with automated calls. So, the TCPA (telephone consumer protection act 47 usc 227) regulates such calls, and generally without "express written consent" or an emergency purpose.

TCPA updates:

Now, previously, before October 2013, there was an implied, express written consent where if you gave your telephone number to someone, it was considered by some courts to be "consent" or was allowed under an "established business relationship", but that all changed in the fall of 2013, so here are have a requirement for unambiguous written consent required and no established business relationship loophole as of October 2013, because the FCC says so. http://www.kleinmoynihan.com/publication/new-tcpa-rules