Home » Search "USS" Results

USS hot deals search results



 1 2 3 4 5 6 7 >  Last ›
g: 0 Posted By: MisterEd
Views: 40 Replies: 0 Not sure if this really is a FINANCE deal since no banks are involved but ........ 20,000 United miles if you switch to Energy Plus electric for 3 months (25,000 miles if you have the Chase UA Credit Card which I just canceled )

energyplusrewards.com/ual6509

After th 3 months their rates aren't so great and for the first three they are "competitive" but it's just about a free RT.

Earn 20,000 MileagePlus award miles as a bonus after your second month as an Energy Plus customerand as a special offer, MileagePlus credit cardmembers automatically earn an additional 5,000 bonus award miles for a total of 25,000 award miles.*
Earn award miles on the supply portion of your electric bill.*

Earn 2 award milesfor every $1 you spend automatically
Earn 3 award miles for every $1 you spendif you are a MileagePlus credit cardmember

Special promotional supply price for your first 3 months (3 billing cycles) as a new Energy Plus customer, youll receive a promotional electric supply price that is 5% lower than your local utility companys supply rate in effect on 10/1/14.* Click here to view the promotional supply price based on your utility and account type.
Flexible month-to-month plan after your promotional period ends, your ongoing electric supply price will be variable and can change each month. The supply price may be different, including higher, than the supply rate charged by your local utility company. Because Energy Plus has a Plan Ahead Feature, you can call us to find out what your electric supply price will be for your upcoming bill. Each month, you can evaluate your plan to determine whether it's working for you. And remember, you can also cancel without a cancellation fee.*


Discussion Deals
$400 with Citigold
Added on : Saturday October 25th 2014 12:00:05 AM
g: 0 Posted By: SinbadS
Views: 44 Replies: 0 This has been probably already posted and discussed but I couldn't find (recent) link. I am going to open today!

Embrace life's most rewarding moments. Earn $400 with Citigold.
Life's more rewarding with Citigold. Look below to see why.
Or visit a Citibank branch, or call 1-866-422-1484 and mention code CZWG.
Personal Finance Deals
Eidos 34-Game & DLC Anthology PC for $52 @ Steam
Added on : Friday October 24th 2014 11:00:05 AM
g: 0 Posted By: ctgolfer
Views: 192 Replies: 0 Package Details

Title: Eidos Anthology
Genre: Action, Strategy, RPG, Adventure, Early Access, Free to Play, Simulation
Developer: Eidos Studio Hungary, Eidos Interactive, Ion Storm, Eidos Montreal, Feral Interactive (Mac), Square Enix, IO Interactive, Avalanche, Crystal Dynamics, Crystal Dynamics Inc., Psyonix, Eidos-Montral, Looking Glass Studios, Core Design
Publisher: SQUARE ENIX, Eidos Interactive, Square Enix, Eidos Interactive, Feral Interactive (Mac), Square Enix
Release Date: Oct 24, 2014
Languages: English, French, German, Italian, Spanish, Polish, Russian, Turkish, Czech, Korean, Traditional Chinese, Dutch, Portuguese-Brazil, Arabic

http://store.steampowered.com/sub/52123/
Video Games Deals
LCD antitrust class action
Added on : Friday October 24th 2014 05:00:09 AM
g: -2 Posted By: marcusfan
Views: 79 Replies: 2 Missouri Attorney General announced today that distribution was approved by the court overseeing the litigation. $43 for each monitor or laptop and $86 for each television. More information is available at http://ago.mo.gov/lcd/lcdsettlement.htm
Discussion Deals
Rite Aid 11/2 - 11/8 (free Trident gum)
Added on : Friday October 24th 2014 12:00:07 AM
g: 3 Posted By: MrVietnam
Views: 535 Replies: 2 RA +UP Deals:

$1 UP WYB 2 L22/$5 Kelloggs Cereal (Frosted Flakes,
Rice Krispies, Apple Jacks, Corn Pops, Corn Flakes,
Raisin Bran, Pop-Tarts or RK Treats)

$4 UP WYB $12 L 2
BO50% Maybelline Cosmetics
$4/1 Maybelline Dream Wonder Liquid coupons.com

$2 UP L 1
$8.99 Zantac 24-38 ct ($4 MC coupon adv)

$1 UP L 2
$5.99 Dulcolax or Dulcolax for Women $1 MC adv

$3 UP L 2
Oxytrol 8 ct $8 MC advertised

$10 UP WYB $25 L 2
All e-p-t Pregnancy Test Kits, Preconception Health, Home Fertility
and Ovulation Tests

$1 UP L 1
$5.99 Thermacare, Robitussin, Dimetapp, Advil $1/1 MC adv

$1 UP L 2
$13.99 Vicks Nyquil, Dayquil or Clearquil Twin pack

$2 UP L 2
$15.99 Muicinex Fast Max Liquid/Caplets

$5 UP L 2
$29.99 Nasacort Allergy ct?

$4 UP WYB 4 L 2
$4.99 Neo/Benadryl/Aveeno
BO50% Band Aid Bandages and Tapes
2/$6 Band Aid Badages, Hurt Free Wash, Neo Kid Wound Cleanser

$5 UP WYB 2 L 2
$5 ProFoot Care and Pro Clearz Antifungal Products

$10 UP WYB 2 L 1
BO50% I-Caps Eye Vitamins $5 MC adv

$3 UP L2
$5.99 Renu Multipurpose Solution 12 oz $1.50 MC adv

$1 UP L 2
$11.49 REfersh Tears

$20 UP L 1
Omron BP Monitors

$2 In-Ad for Visine Eyedrops any 15mL or larger

$2 UP L 2
Bo50% All One A Day, Citracal, Flintstones, TruBiotics
TruHeart, Phillips ColonHealth and Berocca

$5 UP WYB $15 L 2
Excedrin Extra Strength or Migraine Formula, or Mild Headaceh Formula

$3 UP L 2
$24.99 Nexium 42 ct $5 MC adv

$1 UP L 2
$6.99 Prep H $2 MC adv

$5 UP WYB $25 L 3
Carex Home Healthcare Products

$10 UP L 2
IcyHot Smart Relief Tens Unit

$1 UP L 2
$5.99 Bic Flex3, Hybrid3, or Soleil Disposable Razor $2/1 MC adv

$2 UP L 2
$2.99 Reach Adult Toothbrush

$1 In-Ad Listerine Mouthwash 1-1.5 L or 16-32 oz Whitening or Total Care

$1 UP L 2
$5.99 Tampax Tampons 48ct, Always 20-48 ct

$3 In-Ad Tena and Serenity Products

$2 UP WYB 2 L 2
2/$7 Caress or Dove Body Wash 12 oz, Select Dove/Degree AP/Deo,
Dove or Caress Bar Soap 2 pack, Dove Hair Care

$6 In Ad Roc Skin care (no bar code so not sure if MC or RQ) BUT
adv a $3 MC in "Most Sunday Papers" (In Ad excludes facial Cleansers)

$4 WYB $12 L 4 MONTHLY
Bo50% AmLactin/Aquaphor, Bio-Oil, CeraVe, Lubriderm, Cetaphil
Eucerin, Lubriderm, Panoxyl, Sebamed
BOGO Dove Adv Deo Get Dove Adv Shampoo Free OR
Buy Dove Adv Shamp/Cond and GET Dove Deo Free

$3 WYB 2 L ? MONTHLY
$4 Tresemme Shm/Con/Sty
$5 Tresemme Premium $2 MC adv

$3 WYB2 L 2
Conair or Scunci Hair Accessories, Brushes, Combs, or Rollers

$5 UP L 2
$34.99 Rogaine or Viviscal

$1 UP WYB 2 L 2
2/$7 Revlon Color Silk HC

$4 UP WYB $12 L 4
$3 Glade Candles, Wax Melts, Sense & Spra Refills
$8 Glade Automatic Spray and Sense & Spray Kits
$2/2 here


$2 Up L 2
$8.99 Swiffer Wet or Dry Refills

$5 UP WYB $25 L 2
toysrus GC

$6 Up WYB $25 L 2
Applebees, IHOP

$1 UP WYB 2 L 2
2/$7 Brookside, Lindt, Hershey's, Ghirardelli, Godiva

$1 WYB 3 L3
3/$3 Single Pack Gum

$1 UP WYB 2 L 2
2/$4 Mentos Bottle Packs
Grocery Deals
The North Face Grizzly Pack Jacket - Men's $69.73 Fs Rei
Added on : Thursday October 23rd 2014 10:00:10 PM
g: 0 Posted By: tedhawkins
Views: 185 Replies: 0 the north face Grizzly Pack Jacket - Men's $69.73 Fs Reihttp://www.rei.com/product/878798/the-north-face-grizzly-pack-jacket-me...

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
FlashDry panels at collar, back of neck, gussets and cuffs stretch freely and wick moisture to keep you dry and warm
Thumbholes at cuffs provide extra coverage and warmth
Hem cinch cord with internal pocket adjustment
the north face Grizzly Pack Jacket has 2 zip hand pockets and 1 zip chest pocket



Clothing Deals

REI Coupons
g: 1 Posted By: MrVietnam
Views: 1492 Replies: 17 Rite Aid 10/19-10/25

3/$9.99 with $1UP L2 COKE 12 packs

40% off L'Oreal Cosmetics with $5 WYB $20 MONTHLY ongoing L4

3/$9 GM Cereals and BUY 3 GET $3 OFF 1 Gallon of Milk (This is an IN-AD)

$3 UP WYB $12 Halloween Candy L 2
$5 Hershey's Reese's Mars M&M's or Nestle Big Bags
RA "Gusset???" Bags
$3 Reese's or Hershey's Snack Size Candy Bags
$7 Charms Candy Carnival, Tootsie Child's Play, Mike/Ike Variety Pack, Wrigleys Astd

$3 UP WYB $12 L 2 2/$6 Lindor/Lindt Premium Candy Pouches
(this is part of a MONTHLY deal)

3/$9.99 7 UP and 7UP Products 12 pk with $1 UP L 2

$2.99 Nestle Pure Life Water 24 pk

$2 Up L 2? Mucinex Fast max or Sinus Max or Hot tea $10.99

$2 UP L 1 Correctol $5 Adv Price (5mg/50ct?) $3/1 MC in most sunday papers

$1 UP L 1 Coricidin HBP $5.99 with $3/1 MC in most Sunday papers

$3 UP L 2 Nexium 24hr 28 ct $18.44 advertised price

$2 Up L 3? Aleve Caplets/tablets 200ct Bayer Aspirin 300ct $13.99

$3 Up WYB 2 L 2 Aleve 50ct, Bayer 50ct+ 2/$13

$2 In-Ad Pepto Bismol Max Strength 12 oz, Reg Strength 18?oz Children's chews 24ct

$3 Up Men's Women's One-A-Day $8.99 adv price
Men's/Women's 140ct? 50+ ?ct, Pro Edge 50?ct
Active Metabolism 54?ct, Energy, Petites and Vitacraves

$2 WYB 2 L 1 BO50% Estroven/AZO/i-Cool or Brainstrong

$20 Up WYB Omron BP Monitors Model-specific and unreadable L2?

$2 In-Ad L'Oreal Colour Expert, Healthy Look, Highlighting Kit or Elnett Hair Spray
(Has Sunday Paper MC advertisement, fuzzy, but appears to be $2/1)

$1 In-Ad L'Oreal Preference or Mousse AbsolueHair Color

$2 UP WYB $6 Suave L 4 MONTHLY(includes Suave hair and BW)

$8 UP WYB $20 L2 BO50% All Garnier Skin Care

$7 UP WYB $15?? L3 Cetaphil Skin Care

$3 Up WYB 2 L 4 MONTHLY
BO50% Jergens, Curel or Biore Skin Care Products

$1 In-Ad All Clean & Clear and Lubriderm 16oz

$1.99 Softsoap Liquid Hand Soap 7.5 oz
Zest or Coast Bar Soap 2?pack
Zest Body Wash

$1 UP WYB 2 L2
2/$4 Dial Liquid Hand Soap 7.5oz
Tone Bar Soap 2 pk
Dial Bar Soap 2/3?

$2 UP L 3? Simple Cleansers $4.99 adv price

40% off WNW Cosmetics $1/1 MC in Most Sunday Papers

$10 WYB $15 Physicians' Formula Face and Eye

$5 WYB $10 Artificial Nails and Lashes L 2

$7 Up WYB $15 Neutrogena Cosmetics L 2

2/$5 Babylips (Maybelline)

$3 UP WYB 2 L 2
2/$8 Tresemme Shampoo or Conditioner/Stylers

$3 UP WYB 2 L 2
2/$10 Tresemme Premium Shampoo or Conditioner/Select Stylers

$10 up L1 $10 Puracyn wounds wash

$10 UP L1
RePHresh and Replens Feminine Care Product

$10 UP L1? DNA paternity test kits, SpermCheck Fertility Kit, or Gender Prediction Kit

$5 UP L 2 $13.99 Trojan Condoms 10-32 ct Exc Natural? 10ct?)

$2 UP WYB 2 L 2 Oxytrol 4 ct or Kegel Exercisers

$5 L2 Trojan Lubricants

$4 UP WYB 2 L2
BO50% KY Entire line

$5 UP WYB 2 L 2
BO50% RA Gloves and Mask

$1.50 UP WYB 2 L 2
2/$3.50 Crest TP and Oral B TB Indicator 1ct

$1.50 UP L 2
$6.99 Always Infinity 24-36 ct, Ultra Thin Jumbo Pack 36-44ct
Pantiliners 100ct?+, Tampax Pearl Tampons 32-50ct?

$5 WYB $20 L 4 MONTHLY
$3.99 RA Pediatric Electrolytes

$2 UP L 2
$10.99 Gillette ProGlide Flex Ball Razor

In-Ad NO Denomination noted in this ad, for Gillette Select Disposable Razors 2-12ct

$2 In-Ad Schick Disposable or Shave Preps (Edge Shave Gel)

$4 In-Ad for Schick Cartridges

$3 Up WYB $10 L 2 (MONTHLY)
2/$5 Lysol All Purpose Cleaners Liquid 40oz, Sprays 22 or 32 oz,
Toilet Bowl Cleaner 24 oz or Wipes 35 ct

$5 Up WYB 2 L 3
BO50% GE CFL bulbs 1ct, Halogen 2pk

$2 UP WYB 2 L?
$4.99 Glade Lasting Impressions Refills, Plugins Scented Oil 2pk,
Auto Spray Refill 6.2oz?

$5 UP WYB $15 MONTHLY
2/$6 Xtra Laundry Det, Nice 'n Fluffy Softener, Palmolive 25 oz

$2 Up 50' Pocket Hose or Slip Stone Frying Pan $19.99

$2 UP Sandisk SD cards and flashdrives (many at 75% off clearance might count)
advertised 25% off L 2

There are some GC UP reward deals for Google Play, Xbox Live, Green Dot and American Express Secure Pay no coupons for fees.
Health & Beauty Deals
g: 1 Posted By: MrVietnam
Views: 1481 Replies: 17 Rite Aid 10/19-10/25

3/$9.99 with $1UP L2 COKE 12 packs

40% off L'Oreal Cosmetics with $5 WYB $20 MONTHLY ongoing L4

3/$9 GM Cereals and BUY 3 GET $3 OFF 1 Gallon of Milk (This is an IN-AD)

$3 UP WYB $12 Halloween Candy L 2
$5 Hershey's Reese's Mars M&M's or Nestle Big Bags
RA "Gusset???" Bags
$3 Reese's or Hershey's Snack Size Candy Bags
$7 Charms Candy Carnival, Tootsie Child's Play, Mike/Ike Variety Pack, Wrigleys Astd

$3 UP WYB $12 L 2 2/$6 Lindor/Lindt Premium Candy Pouches
(this is part of a MONTHLY deal)

3/$9.99 7 UP and 7UP Products 12 pk with $1 UP L 2

$2.99 Nestle Pure Life Water 24 pk

$2 Up L 2? Mucinex Fast max or Sinus Max or Hot tea $10.99

$2 UP L 1 Correctol $5 Adv Price (5mg/50ct?) $3/1 MC in most sunday papers

$1 UP L 1 Coricidin HBP $5.99 with $3/1 MC in most Sunday papers

$3 UP L 2 Nexium 24hr 28 ct $18.44 advertised price

$2 Up L 3? Aleve Caplets/tablets 200ct Bayer Aspirin 300ct $13.99

$3 Up WYB 2 L 2 Aleve 50ct, Bayer 50ct+ 2/$13

$2 In-Ad Pepto Bismol Max Strength 12 oz, Reg Strength 18?oz Children's chews 24ct

$3 Up Men's Women's One-A-Day $8.99 adv price
Men's/Women's 140ct? 50+ ?ct, Pro Edge 50?ct
Active Metabolism 54?ct, Energy, Petites and Vitacraves

$2 WYB 2 L 1 BO50% Estroven/AZO/i-Cool or Brainstrong

$20 Up WYB Omron BP Monitors Model-specific and unreadable L2?

$2 In-Ad L'Oreal Colour Expert, Healthy Look, Highlighting Kit or Elnett Hair Spray
(Has Sunday Paper MC advertisement, fuzzy, but appears to be $2/1)

$1 In-Ad L'Oreal Preference or Mousse AbsolueHair Color

$2 UP WYB $6 Suave L 4 MONTHLY(includes Suave hair and BW)

$8 UP WYB $20 L2 BO50% All Garnier Skin Care

$7 UP WYB $15?? L3 Cetaphil Skin Care

$3 Up WYB 2 L 4 MONTHLY
BO50% Jergens, Curel or Biore Skin Care Products

$1 In-Ad All Clean & Clear and Lubriderm 16oz

$1.99 Softsoap Liquid Hand Soap 7.5 oz
Zest or Coast Bar Soap 2?pack
Zest Body Wash

$1 UP WYB 2 L2
2/$4 Dial Liquid Hand Soap 7.5oz
Tone Bar Soap 2 pk
Dial Bar Soap 2/3?

$2 UP L 3? Simple Cleansers $4.99 adv price

40% off WNW Cosmetics $1/1 MC in Most Sunday Papers

$10 WYB $15 Physicians' Formula Face and Eye

$5 WYB $10 Artificial Nails and Lashes L 2

$7 Up WYB $15 Neutrogena Cosmetics L 2

2/$5 Babylips (Maybelline)

$3 UP WYB 2 L 2
2/$8 Tresemme Shampoo or Conditioner/Stylers

$3 UP WYB 2 L 2
2/$10 Tresemme Premium Shampoo or Conditioner/Select Stylers

$10 up L1 $10 Puracyn wounds wash

$10 UP L1
RePHresh and Replens Feminine Care Product

$10 UP L1? DNA paternity test kits, SpermCheck Fertility Kit, or Gender Prediction Kit

$5 UP L 2 $13.99 Trojan Condoms 10-32 ct Exc Natural? 10ct?)

$2 UP WYB 2 L 2 Oxytrol 4 ct or Kegel Exercisers

$5 L2 Trojan Lubricants

$4 UP WYB 2 L2
BO50% KY Entire line

$5 UP WYB 2 L 2
BO50% RA Gloves and Mask

$1.50 UP WYB 2 L 2
2/$3.50 Crest TP and Oral B TB Indicator 1ct

$1.50 UP L 2
$6.99 Always Infinity 24-36 ct, Ultra Thin Jumbo Pack 36-44ct
Pantiliners 100ct?+, Tampax Pearl Tampons 32-50ct?

$5 WYB $20 L 4 MONTHLY
$3.99 RA Pediatric Electrolytes

$2 UP L 2
$10.99 Gillette ProGlide Flex Ball Razor

In-Ad NO Denomination noted in this ad, for Gillette Select Disposable Razors 2-12ct

$2 In-Ad Schick Disposable or Shave Preps (Edge Shave Gel)

$4 In-Ad for Schick Cartridges

$3 Up WYB $10 L 2 (MONTHLY)
2/$5 Lysol All Purpose Cleaners Liquid 40oz, Sprays 22 or 32 oz,
Toilet Bowl Cleaner 24 oz or Wipes 35 ct

$5 Up WYB 2 L 3
BO50% GE CFL bulbs 1ct, Halogen 2pk

$2 UP WYB 2 L?
$4.99 Glade Lasting Impressions Refills, Plugins Scented Oil 2pk,
Auto Spray Refill 6.2oz?

$5 UP WYB $15 MONTHLY
2/$6 Xtra Laundry Det, Nice 'n Fluffy Softener, Palmolive 25 oz

$2 Up 50' Pocket Hose or Slip Stone Frying Pan $19.99

$2 UP Sandisk SD cards and flashdrives (many at 75% off clearance might count)
advertised 25% off L 2

There are some GC UP reward deals for Google Play, Xbox Live, Green Dot and American Express Secure Pay no coupons for fees.
Health & Beauty Deals
IRS expands 401(k) limit to $18K for 2015...
Added on : Thursday October 23rd 2014 07:00:08 AM
g: 1 Posted By: HotSalami
Views: 54 Replies: 0 Unsurprising news:

http://www.cnbc.com/id/102115185


No change to IRA/Roth amounts.


<edit>

I'd ignore the ambiguously written paragraph: "If a worker is investing in both an after-tax Roth IRA (where withdrawals are tax-free), as well as a pre-tax program, then the contribution limit applies to the amalgamation of both accounts." I think that refers to the amalgamation pre and post tax 401K contributions. It was probably written by Suze Orman
Discussion Deals
Free on iTunes - CamScanner HD Pro for iPad (reg $5)
Added on : Thursday October 23rd 2014 04:00:07 AM
g: 0 Posted By: remick
Views: 0 Replies: 0 https://itunes.apple.com/us/app/id569846869?mt=8

Please note the subscription is automatically renewed at the end of the period unless you choose to cancel the subscription.

Celebrating major update v3.0, CamScanner HD Pro is free for a limited time! $4.99 -> FREE

The worlds No. 1 mobile document scanning and sharing today!
* Installed on over 60 million devices in over 200 countries around the world
* Over 50,000 new registrations per day
* CamScanner, 50 Best iPhone Apps, 2013 Edition TIME
* App Store 2011/2012 Rewind Top Productivity App
* The application employs its own image cropping and enhancing algorithm that leads to clearer images. Makeuseof.com
* CamScanner may just be the best deal for scanning documents on your iPhone. CNET.com

CamScanner helps you scan, store, sync and collaborate on various contents across smartphones, iPads, tablets and computers.

Features:

*Quickly Digitize Document
Just use your iPad camera to scan and digitize all kinds of paper documents: receipts, notes, invoices, whiteboard discussions, business cards, certificates, etc.

*Optimize Scan Quality
Smart cropping and auto enhancing ensures the texts and graphics in scanned documents are clear and sharp with premium colors and resolutions.

*Extract Texts from Image
OCR (optical character recognition) feature recognizes texts in document images and extract them from images for later searching, editing or sharing. (Paid app only)

*Share PDF/JPEG Files
Easily share documents in PDF or JPEG format with friends via various ways: post on social media, send attachment or document download link through email.

*AirPrint & Fax Documents
Instantly print out any documents in CamScanner with nearby printer via AirPrint; directly select document and fax to over 30 countries from the app.

*Collaborate on Documents
Want to get feedback on your documents? Invite friends or colleagues to collaborate on documents. They can view, comment and exchange ideas on documents in groups. (Registrants only)

*Advanced Document Editing
Make annotations on documents with a full set of editing tools. Also adding customized watermarks are made available to mark your own documents.

*Quick Search
When you have plenty of documents, you can use Tags to categorize and easily find them. In addition, OCR for Search helps you find texts inside image and notes. Just enter one keyword, you can quickly find the document you want.
*Secure Important Documents
If you want to protect confidential contents, you can set passcode for viewing important documents; also, while sending document download link, you can set password to protect others from seeing it.

*Sync across Platforms
Sign up to sync documents on the go. Just sign in to any smartphone, tablet or computer (visit CamScanner website) you own and you can view, edit and share any document. (Registrants only)
Premium Subscription Service:
1. Edit OCR results and notes of the entire doc, exporting as .txt file
2. Add 10G cloud space
3. Add 40 extra collaborators
4. Send doc link with password protection and expiration date
5. Batch download PDF files in web app
6. Everything benefit registrants enjoys
7. Everything paid app offers

Payment models for Premium subscription:
-$ 4.99/month
-$49.99/year
Please note the subscription is automatically renewed at the end of the period unless you choose to cancel the subscription.
Rite Aid 11/9 - 11/15
Added on : Thursday October 23rd 2014 03:00:12 AM
g: 0 Posted By: MrVietnam
Views: 75 Replies: 0 $5 WYB $20 L'Oreal L 2
BO50% L'Oreal Cosmetics $1 MC adv
BO50% L'Oreal Haircare/color $1 MC adv
BO50% L'Oreal Skin care $1 MC adv

$1 UP WYB 2 L 2
2/$5 M&Ms

$1 UP L 2
$4.99 Hershey's Pot o Gold, Russell Stover and Whitman's Holiday Tins and Gift Boxes
or Ghirardelli Holiday pouches

$2 UP L 2
$8.99 Folgers Coffee

$2 UP L 2
$6.99 Afrin, Coricidin HBP

$4 UP L 2
$34.99 Claritin 70ct $10 MC adv

$1 UP L 3
$8.99 Mucinex Children's 4 oz

$5 UP L 3
Advil Tablets and Caplets 2?0 ct
Liquigels 1?0ct and PM caplets 12? ct

$4 UP L 2
$24.99 42 ct Prevacid

$2 UP L 2
$4.99 Peroxi clear

$2 UP L 2
$8.99 Clear Care, optic Free, Pure Moist, Replenish and Express $3 MC adv

$1 UP L 2
$7.99 Cortizone 10, Gold Bond Anti-Itch Products $1 MC adv

$3 UP L 3
Wet, ID, Astroglide Personal Lubricants

$5 UP L 2
Trojan Personal Lubricants 3 oz

$5 UP L 2
$19.99 Trojan condoms 24ct+

$2 UP WYB 2 L 2 MONTHLY
BOGO Arm & Hammer Oral Care and Orajel Oral Care

$1 UP L 2 MONTHLY
$3.49 Crest TP 3D White/ProHealth/PHClinical
$3.49 Oral B Manual TB 3d White/ProHealth, Oral B Floss

$10 WYB $30? L 2
Gillette Styler, Proglide, Fusion, Mach3, Venus Refills, Shave Preps,
Skin Care, and OS and Gillette BW

$1 UP L 2
$3.49 Colgate Enamel Health and Optic White TP, Manual TB

$1 UP WYB 2 L2
2/$8 U by Kotex Pads and Tampons

$1 UP L 2 MONTHLY
$16.99 Luvs Family Pack Diapers

$2 UP WYB $10 L 2
2/$6 J&J Baby Items
2/$8 J&J Bedtime, Naturals, Intense Moisture, Soothing Vapor, Aveeno Baby

$10 UP L ?
Fragrances $40+

$3 UP WYB $10 L 2
All Artificial Nails and Eye Lashes

$4/2 Revlon In-Ad Nail Polish

$4 UP WYB $10 L 2
Eco Bath and Beauty Tools

$5 UP WYB 2 L 2
BO50% All Veet or Clearasil

$1 UP WYB 2 L 2?
BOGO Softsoap Liquid Handsoap

$2 UP WYB 2 L 2?
2/$8 Dial or Tone BW, Dial 8 pack or liquid hand soap refill,
Right Guard BW or Bar Saop 6 pk, Dial Acne

$1 UP WYB 2
2/$5 Old Spice or Dry Idea AP/Deo, Secret Inv Solid AP

$2 Up WYB 2 L 2
2/$6 Nabisco Cookies and Crackers .75/2 MC adv

$1 UP WYB 2 L 2
2/$7 Saltines, Wheat Thins, Fiber One Cereal/Bars, Kashi Cereal/Bars, Cascadian Farm Cereal

$1 UP L2
$3.99 Haagen-Daz Ice Cream 14 oz

$1 UP WYB 2 L 2
2/$7 Dove Chocolate covered fruit

$1 UP WYB 2 L 3
2/$3 Allure, Fuji Water 1 L, Perrier Sparkling Water 1 L

$2 UP WYB 2 L 2
2/$7 Purex Laundry Detergent

$2 UP WYB 3 L 4
3/$3 Renuzit Cones

$2 UP WYB 2 L 2
2/$7 Purex Softener and Crystals

$1 UP WYB 2 L 2
2/$5 Palmolive or Clorox Beach

$7 WYB $25 L 2?
BO50% Futuro, Ace Splints, Braces, Supports and Hosiery

$10 WYB $30 L?
BO50% Olay, Ivory and Safeguard Skin or Bath Products

$2 Up L 2
$10.99 Mucinex Allergy

$1 UP WYB 2 L 1
2/$3 Halls Cough Drops

$1 UP WYB 2 L 2
2/$5 Post Cereals

Just a quick type up of what I can make out so far...
Health & Beauty Deals
g: 0 Posted By: remick
Views: 166 Replies: 0 http://www.amazon.com/gp/product/B00LOWZZ0I

The Book of Online Dating: The Complete Step-by-Step Guide to Finding Love Online - and Enjoying It Offline
5.0 out of 5 stars (19 customer reviews)

TIRED OF BEING SINGLE AND UNLUCKY WITH RELATIONSHIPS? TRY ONLINE DATING BUT PLEASE DO IT THE RIGHT WAY.
This book reveals easy and clear steps to plan and execute your online dating strategy.
No need to sift through several websites to find your potential mate. With this book, you cut out the clutter and focus on sites that really fit with your priorities, using an exclusive approach based on scientific research and empirical data. The end result is a quick yet effective approach to find love online while safeguarding your privacy, reputation and physical safety.

>>> The book contains a helpful Discussion Guide and a sample chapter of sequel The Art of Seductive Communication - How to Win Friends and Persuade Anyone to Do What You Want. 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:

Distinguish reputable sites from the fishy;
Write an impeccable and attractive user profile;
Prepare effectively for the first date; and
Follow up on successful first dates and potential mates.




ALSO FREE


Played: understanding and dealing with players
http://www.amazon.com/Played-understanding-dealing-Greg-Figueroa...


Always Hit on the Wingman: ...and 9 Other Secret Rules for Getting the Love Life You Want
http://www.amazon.com/Always-Hit-Wingman-Secret-Getting-ebook/dp...


Street Game: Day Game Tactics
http://www.amazon.com/Street-Game-Day-Tactics-ebook/dp/B00HY0CHE...



Simple Tricks To Get The Guy Of Your Dreams: Learn how to find the man you want and get him to love you
http://www.amazon.com/Simple-Tricks-Get-Your-Dreams-ebook/dp/B00...


Little Book of Dating Secrets - Finding Mr. Right Has Never Been This Much Fun
http://www.amazon.com/Little-Book-Dating-Secrets-Finding-ebook/d...



Books Deals

Amazon Coupons
is it hard to fire the manager if he is mismanaging the LLC?
Added on : Wednesday October 22nd 2014 11:00:09 PM
g: 0 Posted By: 1abcdranger
Views: 54 Replies: 0 I have a manager that controls our LLC. And he is elderly and is becoming forgetful and letting others do the work and not reviewing their work. Is there anything i can do to replace him?
Discussion Deals
New Privacy Policy for Coupons.com Effective from November 3, 2014
Added on : Wednesday October 22nd 2014 06:00:06 PM
g: 0 Posted By: imanemokid
Views: 95 Replies: 0 New Privacy Policy for Coupons.com Effective from November 3, 2014

Coupons.com Policy Preview

There was a few things I found interesting, but something I didn't realize (as far as browser settings) ... which I want to look into personally ...

"California Do Not Track Disclosure: Because at this time, there is no general agreement on how companies should interpret Do Not Track signals, we do not currently respond to Do Not Track signals, whether a signal is received on a computer or on a mobile device. However, we offer you choices about how we use the information we collect through online tracking. For information about how to opt out of receiving behavioral advertisements from us please visit this website: http://www.couponsinc.com/privacy-opt-out/."

Discussion Deals
Virtual Credit card
Added on : Wednesday October 22nd 2014 04:00:15 PM
g: 0 Posted By: aares
Views: 42 Replies: 1 I just realized (and upset) that discover cancelled its virtual credit card service. I really liked having that option available...

So now I am trying to request a check from paypal, and I NEED to enter a credit card just to get a check mailed to me. Ridiculous I know, but its paypal. I tried entering a older CC with expired date (I tried changing the date so it wasnt expired) but it wouldnt let me, so this is where Im at right now. This is why I was going to use a virtual CC, so paypal could cut my check and I wouldnt have my personal CC on their website.

Any other ideas for a virtual CC? I also have a Chase CC but they dont offer the service.
Discussion Deals
g: 1 Posted By: phils725
Views: 442 Replies: 0 Just got back from Verizon Wireless when discussing porting 6 lines from AT&T, and the rep told me that each line ported will automatically receive a $150 bill credit in 2-3 bill cycles if I buy a phone using their Edge program, or sign a 2 year contract. This was not advertised anywhere in the store, hence the YMMV, but I called 3 other stores in the area when I got home, and they all confirmed the same details when asking about a "bill credit of some sort".

For me, this equates to $900 in service which is huge! But even 1-2 lines will give anyone a few free months worth of service.

Note: Edge has no activation fee, while a 2 year agreement will charge $35.

Great deal for anyone considering to jump ship from their current carrier. Best offer like this I have seen before was $100.
Services Deals

Verizon Wireless Coupons
g: 0 Posted By: phils725
Views: 257 Replies: 0 Just got back from Verizon when discussing porting 6 lines from AT&T, and the rep told me that each line ported will automatically receive a $150 bill credit in 2-3 bill cycles if I buy a phone using their Edge program, or sign a 2 year contract. This was not advertised anywhere in the store, hence the YMMV, but I called 3 other stores in the area when I got home, and they all confirmed the same details when asking about a "bill credit of some sort".

For me, this equates to $900 in service which is huge! But even 1-2 lines will give anyone a few free months worth of service.

Note: Edge has no activation fee, while a 2 year agreement will charge $35.

Great deal for anyone considering to jump ship from their current carrier. Best offer like this I have seen before was $100.
Services Deals

Verizon Wireless Coupons
Rug Closeouts at Macys.com plus an additional 10% off + shipping
Added on : Wednesday October 22nd 2014 07:00:06 AM
g: 0 Posted By: DaysFan
Views: 132 Replies: 0 http://www1.macys.com/shop/rugs/rug-closeouts?id=47143&edge=hybridhttp://www.macys.comEXTRA 10% OFFEnjoy 10% off select merchandise! CODE: STAR
rug closeouts

rug sale
CLOSEOUT! Kenneth Mink Rugs, Empress Trellis BurgundyCloseoutOrig. $395.00 - 1,595.00
Now $99.97 - 399.97
CLOSEOUT! Kenneth Mink Rugs, Empress Aubusson CreamCloseoutOrig. $395.00 - 1,595.00
Now $99.97 - 399.97Couristan Rugs, Tamena TAM183 Mashad IvoryCloseoutOrig. $129.00 - 1,399.00
Now $39.97 - 449.97MANUFACTURER'S CLOSEOUT! Kenneth Mink Rugs, Northport J101 MultiCloseoutOrig. $395.00 - 1,995.00
Now $118.97 - 598.97CLOSEOUT! Sphinx Area Rug, Clique 3261B Cydney 7'8" x 10'10"Closeout}Orig. $1,099.00
Now $499.97MANUFACTURER'S CLOSEOUT! Safavieh Area Rug, Heritage HG510A Multi / Navy 7' 6" x 9' 6"CloseoutOrig. $1,749.00
Now $659.97MANUFACTURER'S CLOSEOUT! Sphinx Area Rug, Tribecca 85T Green 7'10" x 10'CloseoutOrig. $449.00
Now $269.00MANUFACTURER'S CLOSEOUT! Sphinx Area Rug, Yorkville 1251E 5' X 7'3"Closeout{ Orig. $249.00
Now $149.00MANUFACTURER'S CLOSEOUT! Sphinx Area Rug, Yorkville 1251E 7'10" X 10'CloseoutOrig. $519.00
Now $309.00


Decor Deals

Macy's Coupons
Bear Cub Ventures Into Oregon Rite Aid
Added on : Wednesday October 22nd 2014 05:00:22 AM
g: 0 Posted By: MISTERCHEAP
Views: 42 Replies: 0 http://www.nbcnews.com/news/us-news/bear-cub-ventures-oregon-rit...
Discussion Deals
g: 0 Posted By: 59belowzero
Views: 171 Replies: 0 https://seuss.earlymoments.com/


Get 5 Dr. Seuss Books + a free activity book for just $3.95 plus free shipping (high-quality, hard cover editions)! Each of these books normally retail for $8.99.

With this offer you are joining the Early Moments Dr. Seuss & His Friends book club, meaning you are signing up to receive books every month. But its no big deal as you can cancel at ANY time, risk free. To manage your account, call 1-800-353-3140 or login to your account online: https://www.earlymoments.com/Login/

Early Moments (the company offering this great deal) has an A+ rating with the Better Business Bureau.
Books Deals
If and how to retain an attorney for contingencies
Added on : Tuesday October 21st 2014 01:00:06 PM
g: 5 Posted By: ssgcinty
Views: 2066 Replies: 46 I love watching the TV show The Good Wife.
One recurring theme is someone gets in trouble and is able to call a very competent lawyer right away to represent him/her - even in the middle of night. (edited to add)

I already have an umbrella. But that does not protect me in all situations.
In case of an unforeseen event (e.g. My car skids and hits someone or my college kid screws up big time), how can I get a decent lawyer right away to get me out of a jam? Or stop my kid from saying something stupid?
In my line of work, I have no interaction with the police or attorneys. So I don't know anyone personally.

Does it make sense to have a good attorney on a retainer? How much does it cost - say in Chicago where the show is based?
Am I being paranoid?

PS:I repeat - It is TV show. So everything it shows must be true.
On top of that, I watch it on the internet. So all that must be doubly true.

edited typo

Discussion Deals
g: 1 Posted By: MrVietnam
Views: 1364 Replies: 16 Rite Aid 10/19-10/25

3/$9.99 with $1UP L2 COKE 12 packs

40% off L'Oreal Cosmetics with $5 WYB $20 MONTHLY ongoing L4

3/$9 GM Cereals and BUY 3 GET $3 OFF 1 Gallon of Milk (This is an IN-AD)

$3 UP WYB $12 Halloween Candy L 2
$5 Hershey's Reese's Mars M&M's or Nestle Big Bags
RA "Gusset???" Bags
$3 Reese's or Hershey's Snack Size Candy Bags
$7 Charms Candy Carnival, Tootsie Child's Play, Mike/Ike Variety Pack, Wrigleys Astd

$3 UP WYB $12 L 2 2/$6 Lindor/Lindt Premium Candy Pouches
(this is part of a MONTHLY deal)

3/$9.99 7 UP and 7UP Products 12 pk with $1 UP L 2

$2.99 Nestle Pure Life Water 24 pk

$2 Up L 2? Mucinex Fast max or Sinus Max or Hot tea $10.99

$2 UP L 1 Correctol $5 Adv Price (5mg/50ct?) $3/1 MC in most sunday papers

$1 UP L 1 Coricidin HBP $5.99 with $3/1 MC in most Sunday papers

$3 UP L 2 Nexium 24hr 28 ct $18.44 advertised price

$2 Up L 3? Aleve Caplets/tablets 200ct Bayer Aspirin 300ct $13.99

$3 Up WYB 2 L 2 Aleve 50ct, Bayer 50ct+ 2/$13

$2 In-Ad Pepto Bismol Max Strength 12 oz, Reg Strength 18?oz Children's chews 24ct

$3 Up Men's Women's One-A-Day $8.99 adv price
Men's/Women's 140ct? 50+ ?ct, Pro Edge 50?ct
Active Metabolism 54?ct, Energy, Petites and Vitacraves

$2 WYB 2 L 1 BO50% Estroven/AZO/i-Cool or Brainstrong

$20 Up WYB Omron BP Monitors Model-specific and unreadable L2?

$2 In-Ad L'Oreal Colour Expert, Healthy Look, Highlighting Kit or Elnett Hair Spray
(Has Sunday Paper MC advertisement, fuzzy, but appears to be $2/1)

$1 In-Ad L'Oreal Preference or Mousse AbsolueHair Color

$2 UP WYB $6 Suave L 4 MONTHLY(includes Suave hair and BW)

$8 UP WYB $20 L2 BO50% All Garnier Skin Care

$7 UP WYB $15?? L3 Cetaphil Skin Care

$3 Up WYB 2 L 4 MONTHLY
BO50% Jergens, Curel or Biore Skin Care Products

$1 In-Ad All Clean & Clear and Lubriderm 16oz

$1.99 Softsoap Liquid Hand Soap 7.5 oz
Zest or Coast Bar Soap 2?pack
Zest Body Wash

$1 UP WYB 2 L2
2/$4 Dial Liquid Hand Soap 7.5oz
Tone Bar Soap 2 pk
Dial Bar Soap 2/3?

$2 UP L 3? Simple Cleansers $4.99 adv price

40% off WNW Cosmetics $1/1 MC in Most Sunday Papers

$10 WYB $15 Physicians' Formula Face and Eye

$5 WYB $10 Artificial Nails and Lashes L 2

$7 Up WYB $15 Neutrogena Cosmetics L 2

2/$5 Babylips (Maybelline)

$3 UP WYB 2 L 2
2/$8 Tresemme Shampoo or Conditioner/Stylers

$3 UP WYB 2 L 2
2/$10 Tresemme Premium Shampoo or Conditioner/Select Stylers

$10 up L1 $10 Puracyn wounds wash

$10 UP L1
RePHresh and Replens Feminine Care Product

$10 UP L1? DNA paternity test kits, SpermCheck Fertility Kit, or Gender Prediction Kit

$5 UP L 2 $13.99 Trojan Condoms 10-32 ct Exc Natural? 10ct?)

$2 UP WYB 2 L 2 Oxytrol 4 ct or Kegel Exercisers

$5 L2 Trojan Lubricants

$4 UP WYB 2 L2
BO50% KY Entire line

$5 UP WYB 2 L 2
BO50% RA Gloves and Mask

$1.50 UP WYB 2 L 2
2/$3.50 Crest TP and Oral B TB Indicator 1ct

$1.50 UP L 2
$6.99 Always Infinity 24-36 ct, Ultra Thin Jumbo Pack 36-44ct
Pantiliners 100ct?+, Tampax Pearl Tampons 32-50ct?

$5 WYB $20 L 4 MONTHLY
$3.99 RA Pediatric Electrolytes

$2 UP L 2
$10.99 Gillette ProGlide Flex Ball Razor

In-Ad NO Denomination noted in this ad, for Gillette Select Disposable Razors 2-12ct

$2 In-Ad Schick Disposable or Shave Preps (Edge Shave Gel)

$4 In-Ad for Schick Cartridges

$3 Up WYB $10 L 2 (MONTHLY)
2/$5 Lysol All Purpose Cleaners Liquid 40oz, Sprays 22 or 32 oz,
Toilet Bowl Cleaner 24 oz or Wipes 35 ct

$5 Up WYB 2 L 3
BO50% GE CFL bulbs 1ct, Halogen 2pk

$2 UP WYB 2 L?
$4.99 Glade Lasting Impressions Refills, Plugins Scented Oil 2pk,
Auto Spray Refill 6.2oz?

$5 UP WYB $15 MONTHLY
2/$6 Xtra Laundry Det, Nice 'n Fluffy Softener, Palmolive 25 oz

$2 Up 50' Pocket Hose or Slip Stone Frying Pan $19.99

$2 UP Sandisk SD cards and flashdrives (many at 75% off clearance might count)
advertised 25% off L 2

There are some GC UP reward deals for Google Play, Xbox Live, Green Dot and American Express Secure Pay no coupons for fees.
Health & Beauty Deals
List of Data Breaches (Last Updated 10/21)
Added on : Tuesday October 21st 2014 07:00:07 AM
g: 29 Posted By: bargainr
Views: 3076 Replies: 25 I'll update this as and when new breaches are announced. Updates will be noted in the Title and include the Last Update Date. "!!" Next to the retailer will note the new update.

Chase JP Morgan Data Breach
Announced: Oct 2014
Customers Affected: 76 million + 7 million businesses
https://www.chase.com/services/customer-notice-faq

Dairy Queen
Announced: Oct 9, 2014
Dates Affected: Unknown
Customers Affected: Unknown
http://www.dq.com/us-en/datasecurityincident/affected-stores/?lo...

Home Dept Data Breach
Announced: Sept 8, 2014
Dates Affected: April 2014 to September 2014
Customers Affected: Unknown
https://corporate.homedepot.com/mediacenter/pages/statement1.aspx

Jewel Osco Data Breach
incl. Alberstons, ACM Markets, Shaw's, Star Markets
Announced: Aug 14 2014
Dates Affected: Jun 2014 to Jul 2014
Customers Affected: Unknown
http://www.jewelosco.com/2014/08/ab-acquisition-llc-confirms-inc...

Jimmy John's Data Breach
Announced: Sep 24, 2014
Dates Affected: Jun 2014 to Sep 2014
Customers Affected: Unknown
https://www.jimmyjohns.com/datasecurityincident/

K Mart Data Breach
Announced: Oct 10, 2014
http://www.kmart.com/en_us/dap/statement1010140.html?adcell=hpne...

Neiman Marcus Data Breach
Announced: June 15, 2014
Dates Affected: July 16 and October 30, 2013 (may be as early as March)
http://www.neimanmarcus.com/NM/Security-Info/cat49570732/c.cat

PF Changs Data Breach
Announced: Aug 4, 2014
http://www.pfchangs.com/security/

!!Staples (Reported, not yet announced)
Reported: Oct 21, 2104
No formal announcement, reported on MSN and other sites.
http://www.msn.com/en-us/money/companies/staples-says-investigat...

Target Data Breach
Announced: Dec 2013
https://corporate.target.com/about/shopping-experience/payment-card-issue-FAQ

UPS Stores Data Breach
Announced: Aug 2014
Dates Affected: Mar 26 2014 - Aug 10 2014
Customers Affected: Unknown. 51 locations, 24 states
http://www.theupsstore.com/security/Pages/default.aspx

Viator Data Breach
Announced: Sep 19, 2014
Dates Affected: Unknown
Customers: 1.4million
http://www.viator.com/about/media-center/press-releases/pr33251

NOTES
I have seen people repeatedly suggest this be a sticky or summarized. So starting this master list of retail or banking data breaches. Not exhaustive, I just did the ones I know. If someone wants to take over and make it a sticky I think that's a good idea.

There's actually a *currently* 180+ page report that you can download here(PDF) that lists all data breaches across EVERY category (retail, banking, government, education, etc). It looks pretty exhaustive.


Discussion Deals
worth it to join AARP?
Added on : Tuesday October 21st 2014 05:00:11 AM
g: 0 Posted By: echo4747
Views: 104 Replies: 1 Recently turned 50 and now eligible to join. For those who are/were members what are your thoughts about AARP?
Discussion Deals
g: 0 Posted By: remick
Views: 2 Replies: 0 http://www.amazon.com/Making-Jewelry-Beads-Silver-Beginners-eboo...

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




also free

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

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


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


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


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


21 Fun Crafts for Kids: Easy Fabric and Paper Crafts for All Four Seasons
http://www.amazon.com/21-Fun-Crafts-Kids-Seasons-ebook/dp/B00OL0...
Amazon Coupons
Staples says investigating possible payment card data breach
Added on : Monday October 20th 2014 10:00:11 PM
g: 0 Posted By: nick555
Views: 40 Replies: 0 Staples says investigating possible payment card data breach


looks like it might be limited to stores in northeastern US, per article.
Discussion Deals
If and how to retain a attorney for contingencies
Added on : Monday October 20th 2014 11:00:14 AM
g: 1 Posted By: ssgcinty
Views: 72 Replies: 1 I love watching the TV show The Good Wife.
One recurring theme is someone gets in trouble and is able to call a very competent lawyer right away to represent him/her.

I already have an umbrella. But that does not protect me in all situations.
In case of an unforeseen event (e.g. My car skids and hits someone or my college kid screws up big time), how can I get a decent lawyer right away to get me out of a jam? Or stop my kid from saying something stupid?
In my line of work, I have no interaction with the police or attorneys. So I don't know anyone personally.

Does it make sense to have a good attorney on a retainer? How much does it cost - say in Chicago where the show is based?
Am I being paranoid?

PS:I repeat - It is TV show. So everything it shows must be true.
On top of that, I watch it on the internet. So all that must be doubly true.

Discussion Deals
WalMart Coupon Policy eff 10/19/2014
Added on : Monday October 20th 2014 10:00:06 AM
g: 0 Posted By: MISTERCHEAP
Views: 128 Replies: 0
In all situations, we reserve the right to limit purchase quantities to typical retail purchase quantities or one-per-customer or household and to exclude dealers.
Store Managers have the final decision in taking care of the customer.
SNAP items purchased in a SNAP transaction are ineligible for Cash Back.
WIC items purchased in a WIC transaction are applied to the basket purchase and may not be eligible for Cash Back. Refer to state-specific WIC guidelines.
The system will prompt for supervisor verification for:

4 or more like coupons per transaction.
A coupon of $5 and over.
$50 or more in coupons in one transaction.
Coupons totaling a percentage (%) off of the total sale.

http://corporate.walmart.com/coupon-policy

thnx lrwc for some info.
Discussion Deals
Citibank Private Banking
Added on : Monday October 20th 2014 09:00:15 AM
g: 1 Posted By: GrandmaS
Views: 61 Replies: 1 Hello,

Does anyone know what credit cards for Citibank are geared towards Private Banking Clients? Trying to compare this with the other offers I received. Thanks!
Discussion Deals
g: 0 Posted By: tedhawkins
Views: 166 Replies: 0 Fender Modern Player Jazz Bass Olympic White Rosewood Fingerboard $379.9 Fs @ MF

http://www.musiciansfriend.com/stupid

Product Description

Throughout its history, Fender has always made a special point of welcoming new players to the family by offering entry-level instruments of remarkable style and substance (such as the Duo-Sonic, Mustang and Musicmaster models), with great sound, classic looks, solid performance and eminent affordability. The Modern Player Series continues that great my-first-Fender tradition, with thoroughly modern features and several distinctively unconventional new takes on our most revered instruments-all with outstandingly attainable value.

The Modern Player Jazz Bass is a volcanic new take on the time-honored Jazz Bass thanks to its dual Modern Player humbucking Jazz Bass pickups. Other features include an alder body, C-shaped maple neck, rosewood fretboard with 9.5" radius and 20 jumbo frets, three-ply pickguard, vintage-style four-saddle bridge with brass saddles, open-gear tuners and nickel/chrome hardware.
Features
Neck

Shape: C
Wood: Maple
Joint: Info not available
Scale length: 34"
Truss rod: Standard
Finish: Gloss polyester

Pickups

Active or passive: Passive
Layout: HH
Neck: Not applicable
Middle: Modern Player Humbucking Jazz Bass
Bridge: Modern Player Humbucking Jazz Bass
Brand: Fender
Series or parallel: parallel
Active preamp: Not applicable
Special electronics: Not applicable

Fretboard

Material: Rosewood
Radius: 9.5"
Fret size: Jumbo
Number of frets: 20
Inlays: Dot
Nut width: 1.5" (38.1mm)
Neck width at 12 fret: Info not available

Body

Style: Double cutaway
Construction: Solidbody
Body material: Solid wood
Body wood: Alder
Top wood: Not applicable
Body finish: Gloss polyester
Orientation: Right handed

Controls

Control layout: Volume 1, volume 2, master tone
Pickup switch: Not applicable
Coil tap or split: Not appicable
Kill switch: Not applicable

Hardware

Bridge type: Fixed
Bridge design: 4-Saddle vintage-style with brass saddles
Tailpiece: Not applicable
Tuning machines: Open-geared
Color: Nickel/chrome

Other

Number of strings: 4
Special features: no
Case: Sold separately
Accessories: Info not available
Country of origin: China


Music Deals

Musician's Friend Coupons
Rite Aid 11/2 - 11/8
Added on : Monday October 20th 2014 02:00:06 AM
g: 0 Posted By: MrVietnam
Views: 120 Replies: 0 RA +UP Deals:

$1 UP WYB 2 L22/$5 Kelloggs Cereal (Frosted Flakes,
Rice Krispies, Apple Jacks, Corn Pops, Corn Flakes,
Raisin Bran, Pop-Tarts or RK Treats)

$4 UP WYB $12 L 2
BO50% Maybelline Cosmetics
$4/1 Maybelline Dream Wonder Liquid coupons.com

$2 UP L 1
$8.99 Zantac 24-38 ct ($4 MC coupon adv)

$1 UP L 2
$5.99 Dulcolax or Dulcolax for Women $1 MC adv

$3 UP L 2
Oxytrol 8 ct $8 MC advertised

$10 UP WYB $25 L 2
All e-p-t Pregnancy Test Kits, Preconception Health, Home Fertility
and Ovulation Tests

$1 UP L 1
$5.99 Thermacare, Robitussin, Dimetapp, Advil $1/1 MC adv

$1 UP L 2
$13.99 Vicks Nyquil, Dayquil or Clearquil Twin pack

$2 UP L 2
$15.99 Muicinex Fast Max Liquid/Caplets

$5 UP L 2
$29.99 Nasacort Allergy ct?

$4 UP WYB 4 L 2
$4.99 Neo/Benadryl/Aveeno
BO50% Band Aid Bandages and Tapes
2/$6 Band Aid Badages, Hurt Free Wash, Neo Kid Wound Cleanser

$5 UP WYB 2 L 2
$5 ProFoot Care and Pro Clearz Antifungal Products

$10 UP WYB 2 L 1
BO50% I-Caps Eye Vitamins $5 MC adv

$3 UP L2
$5.99 Renu Multipurpose Solution 12 oz $1.50 MC adv

$1 UP L 2
$11.49 REfersh Tears

$20 UP L 1
Omron BP Monitors

$2 In-Ad for Visine Eyedrops any 15mL or larger

$2 UP L 2
Bo50% All One A Day, Citracal, Flintstones, TruBiotics
TruHeart, Phillips ColonHealth and Berocca

$5 UP WYB $15 L 2
Excedrin Extra Strength or Migraine Formula, or Mild Headaceh Formula

$3 UP L 2
$24.99 Nexium 42 ct $5 MC adv

$1 UP L 2
$6.99 Prep H $2 MC adv

$5 UP WYB $25 L 3
Carex Home Healthcare Products

$10 UP L 2
IcyHot Smart Relief Tens Unit

$1 UP L 2
$5.99 Bic Flex3, Hybrid3, or Soleil Disposable Razor $2/1 MC adv

$2 UP L 2
$2.99 Reach Adult Toothbrush

$1 In-Ad Listerine Mouthwash 1-1.5 L or 16-32 oz Whitening or Total Care

$1 UP L 2
$5.99 Tampax Tampons 48ct, Always 20-48 ct

$3 In-Ad Tena and Serenity Products

$2 UP WYB 2 L 2
2/$7 Caress or Dove Body Wash 12 oz, Select Dove/Degree AP/Deo,
Dove or Caress Bar Soap 2 pack, Dove Hair Care

$6 In Ad Roc Skin care (no bar code so not sure if MC or RQ) BUT
adv a $3 MC in "Most Sunday Papers" (In Ad excludes facial Cleansers)

$4 WYB $12 L 4 MONTHLY
Bo50% AmLactin/Aquaphor, Bio-Oil, CeraVe, Lubriderm, Cetaphil
Eucerin, Lubriderm, Panoxyl, Sebamed
BOGO Dove Adv Deo Get Dove Adv Shampoo Free OR
Buy Dove Adv Shamp/Cond and GET Dove Deo Free

$3 WYB 2 L ? MONTHLY
$4 Tresemme Shm/Con/Sty
$5 Tresemme Premium $2 MC adv

$3 WYB2 L 2
Conair or Scunci Hair Accessories, Brushes, Combs, or Rollers

$5 UP L 2
$34.99 Rogaine or Viviscal

$1 UP WYB 2 L 2
2/$7 Revlon Color Silk HC

$4 UP WYB $12 L 4
$3 Glade Candles, Wax Melts, Sense & Spra Refills
$8 Glade Automatic Spray and Sense & Spray Kits
$2/2 here


$2 Up L 2
$8.99 Swiffer Wet or Dry Refills

$5 UP WYB $25 L 2
toysrus GC

$6 Up WYB $25 L 2
Applebees, IHOP

$1 UP WYB 2 L 2
2/$7 Brookside, Lindt, Hershey's, Ghirardelli, Godiva

$1 WYB 3 L3
3/$3 Single Pack Gum

$1 UP WYB 2 L 2
2/$4 Mentos Bottle Packs
Grocery Deals
Select Makeup/Vanity Mirrors - From $1.74 - $3.74 + P/U @ Sears
Added on : Sunday October 19th 2014 08:00:08 PM
g: 0 Posted By: st4rdust
Views: 158 Replies: 0 Sears has a selection ofMakeup/Vanity Mirrorson sale with pricesstarting at $1.74. Choose free in-store pickup to save on shipping.
Makeup Deals

Sears Coupons
Rite Aid 10/19 - 10/25 (free Puracyn Wounds wash, Tresemme, Correctol)
Added on : Sunday October 19th 2014 06:00:06 PM
g: 1 Posted By: MrVietnam
Views: 1233 Replies: 11 Rite Aid 10/19-10/25

3/$9.99 with $1UP L2 COKE 12 packs

40% off L'Oreal Cosmetics with $5 WYB $20 MONTHLY ongoing L4

3/$9 GM Cereals and BUY 3 GET $3 OFF 1 Gallon of Milk (This is an IN-AD)

$3 UP WYB $12 Halloween Candy L 2
$5 Hershey's Reese's Mars M&M's or Nestle Big Bags
RA "Gusset???" Bags
$3 Reese's or Hershey's Snack Size Candy Bags
$7 Charms Candy Carnival, Tootsie Child's Play, Mike/Ike Variety Pack, Wrigleys Astd

$3 UP WYB $12 L 2 2/$6 Lindor/Lindt Premium Candy Pouches
(this is part of a MONTHLY deal)

3/$9.99 7 UP and 7UP Products 12 pk with $1 UP L 2

$2.99 Nestle Pure Life Water 24 pk

$2 Up L 2? Mucinex Fast max or Sinus Max or Hot tea $10.99

$2 UP L 1 Correctol $5 Adv Price (5mg/50ct?) $3/1 MC in most sunday papers

$1 UP L 1 Coricidin HBP $5.99 with $3/1 MC in most Sunday papers

$3 UP L 2 Nexium 24hr 28 ct $18.44 advertised price

$2 Up L 3? Aleve Caplets/tablets 200ct Bayer Aspirin 300ct $13.99

$3 Up WYB 2 L 2 Aleve 50ct, Bayer 50ct+ 2/$13

$2 In-Ad Pepto Bismol Max Strength 12 oz, Reg Strength 18?oz Children's chews 24ct

$3 Up Men's Women's One-A-Day $8.99 adv price
Men's/Women's 140ct? 50+ ?ct, Pro Edge 50?ct
Active Metabolism 54?ct, Energy, Petites and Vitacraves

$2 WYB 2 L 1 BO50% Estroven/AZO/i-Cool or Brainstrong

$20 Up WYB Omron BP Monitors Model-specific and unreadable L2?

$2 In-Ad L'Oreal Colour Expert, Healthy Look, Highlighting Kit or Elnett Hair Spray
(Has Sunday Paper MC advertisement, fuzzy, but appears to be $2/1)

$1 In-Ad L'Oreal Preference or Mousse AbsolueHair Color

$2 UP WYB $6 Suave L 4 MONTHLY(includes Suave hair and BW)

$8 UP WYB $20 L2 BO50% All Garnier Skin Care

$7 UP WYB $15?? L3 Cetaphil Skin Care

$3 Up WYB 2 L 4 MONTHLY
BO50% Jergens, Curel or Biore Skin Care Products

$1 In-Ad All Clean & Clear and Lubriderm 16oz

$1.99 Softsoap Liquid Hand Soap 7.5 oz
Zest or Coast Bar Soap 2?pack
Zest Body Wash

$1 UP WYB 2 L2
2/$4 Dial Liquid Hand Soap 7.5oz
Tone Bar Soap 2 pk
Dial Bar Soap 2/3?

$2 UP L 3? Simple Cleansers $4.99 adv price

40% off WNW Cosmetics $1/1 MC in Most Sunday Papers

$10 WYB $15 Physicians' Formula Face and Eye

$5 WYB $10 Artificial Nails and Lashes L 2

$7 Up WYB $15 Neutrogena Cosmetics L 2

2/$5 Babylips (Maybelline)

$3 UP WYB 2 L 2
2/$8 Tresemme Shampoo or Conditioner/Stylers

$3 UP WYB 2 L 2
2/$10 Tresemme Premium Shampoo or Conditioner/Select Stylers

$10 up L1 $10 Puracyn wounds wash

$10 UP L1
RePHresh and Replens Feminine Care Product

$10 UP L1? DNA paternity test kits, SpermCheck Fertility Kit, or Gender Prediction Kit

$5 UP L 2 $13.99 Trojan Condoms 10-32 ct Exc Natural? 10ct?)

$2 UP WYB 2 L 2 Oxytrol 4 ct or Kegel Exercisers

$5 L2 Trojan Lubricants

$4 UP WYB 2 L2
BO50% KY Entire line

$5 UP WYB 2 L 2
BO50% RA Gloves and Mask

$1.50 UP WYB 2 L 2
2/$3.50 Crest TP and Oral B TB Indicator 1ct

$1.50 UP L 2
$6.99 Always Infinity 24-36 ct, Ultra Thin Jumbo Pack 36-44ct
Pantiliners 100ct?+, Tampax Pearl Tampons 32-50ct?

$5 WYB $20 L 4 MONTHLY
$3.99 RA Pediatric Electrolytes

$2 UP L 2
$10.99 Gillette ProGlide Flex Ball Razor

In-Ad NO Denomination noted in this ad, for Gillette Select Disposable Razors 2-12ct

$2 In-Ad Schick Disposable or Shave Preps (Edge Shave Gel)

$4 In-Ad for Schick Cartridges

$3 Up WYB $10 L 2 (MONTHLY)
2/$5 Lysol All Purpose Cleaners Liquid 40oz, Sprays 22 or 32 oz,
Toilet Bowl Cleaner 24 oz or Wipes 35 ct

$5 Up WYB 2 L 3
BO50% GE CFL bulbs 1ct, Halogen 2pk

$2 UP WYB 2 L?
$4.99 Glade Lasting Impressions Refills, Plugins Scented Oil 2pk,
Auto Spray Refill 6.2oz?

$5 UP WYB $15 MONTHLY
2/$6 Xtra Laundry Det, Nice 'n Fluffy Softener, Palmolive 25 oz

$2 Up 50' Pocket Hose or Slip Stone Frying Pan $19.99

$2 UP Sandisk SD cards and flashdrives (many at 75% off clearance might count)
advertised 25% off L 2

There are some GC UP reward deals for Google Play, Xbox Live, Green Dot and American Express Secure Pay no coupons for fees.
Health & Beauty Deals
g: 9 Posted By: remick
Views: 928 Replies: 1 http://www.amazon.com/gp/product/B00OM729CY

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

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


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

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



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

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




also free

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

YOU ARE IN DANGER

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

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

Real online security is all about:

...the things you need to KNOW

...the things you need to DO

...and the things you need to AVOID doing

to truly stay safe online.

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

For example, some of the topics covered include:

...How to get free virus protection

...Other free defenses you should install

...Keeping your children safe online

...Vital information about safe surfing

...How to recognize and avoid online scams

...Securing your PC and its private data

...How to spot unscrupulous marketers

...Guarding your personal privacy online

...Staying safe from criminal intrusion

...Keeping your home Wi-Fi network secure

...Crucial advice regarding password security

and much, much more!

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

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

As well as being an incredible communications hub that can link you to a virtual treasure trove of knowledge, the Internet also offers a plethora of work from home opportunities. However, if you want to make money online from home, you need to be very, very cautious. There are thousands of money-making schemes online that are really just traps for the unwary. ITRAPS spells them out and points you in the right direction. The book even has a section on finding the ideal 'work from home' opportunity, if that is what you really want.
Books & Magazines Deals
g: 1 Posted By: MrVietnam
Views: 655 Replies: 3 Rite Aid 10/26-11/1
This is new month of monthly deals, if you see MONTHLY DEAL it indicates a NOVEMBER monthly deal.

$10 UP WYB $30 L1
P&G BO50% Covergirl
BO50% Olay, Ivory, Safequard Skin and Bathcare
2/$8 Secret Outlast/ScExp/Natl Min/FrshEff
Gillette 2.6-4oz, OS Redzone, Wild or Fresh Collections AP/Deo
2/$8 Pantene Sh/Con/Sty (adv $4/2 MC in Sunday Paper)
$7.99 Vicks Nyquil or DayQuil (adv $1 MC in Sunday Paper)
$9.94 Bounty/Charmin/Basic
$5.94 Tide ($2/1 adv in Sunday Paper)
$10.99 Duracell big packs
$8.99 Pampers Jumbo Pk $2 off WYB both diapers/wipes
$5.99 Pampers Baby Wipes 100-216ct
$3.99 Always Radiance Infinity Maxi Pads 12-?ct Tampax Radiant ?ct $1 MC advertised
$3.00 Crest TP 3D White, Oral B 3d White, ProHealth or Complete Manual TB .50/1 MC Advertised
Gillette Styler, ProGlide, Fusion Body, Mach3, Venus Refills, Shave Preps, Fusion
$10.99 Gillette ProGlide, Flex Ball Razor, Gillette Razor (Advertises $3 UP L 2 and $3 MC advertised)
2/$10 Clairol Nice 'n Easy Root Touch Hair Color $5/2 MC advertised

$5 UP WYB $15 L 2
L'Oreal Haircolor $1 In-Ad
L'Oreal Pref Mousse Absolue HC $14.99 with $1 In-Ad $3 MC advertised
2/$8 L'Oreal Adv Sh/Cond/Sty $3/2 MC advertised

$1 UP L 2
Marc Anthony Shampoo, Conditioner, Stylers
Organix Hair Care or Bath or FX Stylers

$3 UP WYB 2 L 2
BO50% JF Sh/Cond/Sty/Tx

$10 UP WYB $?? (Completely unreadable 50?) L 2
Conair Dryers, Straighteners, Curling Irons, Hot Rollers, Hair Cut Kits or Shavers

$10 UP WYB $20 L 2
Nexxus Sh/Con/Sty
Toni & Guy Haircare

$10 UP WYB $30 L 2 MONTHLY
BO50% L'Oreal Skincare

$5 UP WYB $15 L 2
ALL Burts Bees, Gud Skin, Bath or Lip Care

$10 UP WYB $15 L 2
Physicians Formula All Cosmetics

$5 UP WYB $20 L 2 or 3?
BO50% Sally Hansen Cosmetics (excludes bleaches/depil)

$1 UP WYB 2 L 2
2/$7 Softsoap or Irish Spring Body Wash
Softsoap Liquid Handsoap

$3 Up WYB 2 L 4 MONTHLY
2/$9 weekly Axe AP/Deo, Spray, Shower Gel, Shampoo,
Shave Gel, Face Wash

$2 UP L 2
$7.99 Secret or Gillette Clinical AP/Deo $2 MC advertised

$1 UP L 2
$2.99 Speed Stick or Lady Speed Stick AP/Deo .50/1 MC advertised

$15.00 UP L 2
Crest 3d White Whitestrips $7 MC advertised

$3 UP L 2
$12.99 Colgate Optic White TB with Whitening Pen

$4 UP L 2
$23.99 Allegra and Claritin Allergy products

$2 UP L 3?
$6.99 Mucinex Hot Tea Cold Relief

$1 UP WYB 2 L 2?
2/$4 Halls Cough Drops

$4 UP WYB 2 L 2
2/$49 Prilosec OTC 42ct, with $6/2 MC advertised

$1 UP L 3?
$16.99 Metamucil, NetaBiotic Probiotic $1 MC advertised

$2 UP L3?
$19.99 Miralax $5 MC advertised

$3 UP L 2 or 3?
$19.99 Prevacid 28 ct Benefiber Powder 125 doses

$1 UP L 2
$3.99 Tums Antacid 50-150ct

$2 UP L 2
$14.99 Renu MultiPurpose Solution Twin Pack

$3 UP L 2 Clear Care, Opti Free Pure Moist, Replenish and Express

$1 UP L 2
$9.99 Sarna Anti Itch Lotion $2 MC advertised

$2 UP L 2 or 3?
Excedrin 100 ct 9.99

$4 In -Ad Bayer Aspirin, Aleve, Phillips Colon Health Probiotics Trubiotic (big counts)

$6 UP L 2
One A Day Women's or Men's, Citracal, Flintstones

$4 UP L2
$5.99 Nature Made Vitamelts

$1 UP L 2
$18.99 Huggies Big Pack Diapers

$2 UP WYB $8 L 2
2/$4 Nivea For Men Shave Gel/Foam/Creme $2/2 MC advertised
$4.99 Nivea for Men Balm, Splash, Face Wash, Scrub, Daily Prot Face Lotion $2/1 MC

$2 UP WYB 2 L 2
2/$6 Listerine Mouthwash 250 mL, Pocket Paks, Total Care & Listerine Floss or Dentotape

$2 UP WYB 2 L 2
2/$12 Kotex Maxi Pads 28-44ct, Lightday Pantiliners, Poise Pads 20-22 ct

$2 UP WYB $2 L 4
2/$8 A&H Laundry Det, Oxi Clean Dish Det, Stain Remover, Spray

$1 UP WYB 2 L 2
2/$4 Toblerone, Andes, Whoppers

$1 UP WYB 2 L 3
2/$7 Hershey's Bliss ? size

$3 UP L 2
$3.50 Colgate TP Maxfresh, Sensitive, Optic White, Total Advanced Total .50/1

$4 UP WYB $12 L 4 MONTHLY
$6 Dove Body Wash, Dove or Men + Care Bar Soap/BW?

$1 UP WYB L 2
$4.99 Keri Lotion/Bath Oil $3/1 MC advertised

$1 UP WYB 2 L 3
2/$6 Cheez It, Fritos, Cheerios, Munchies, Nabisco, Pepperidge Farm Cookies,
Original Gourmet Butter Cookies, Planters Peanuts

$1 UP WYB 4 L 2
4/$4 Gatorade, Aquafina, Kickstart, Litpon Tea 1L

Thx misspt/sd
In Store Promos Deals
Any AmEx Small Business Saturday Nov 29 for 2014?
Added on : Sunday October 19th 2014 08:00:13 AM
g: 0 Posted By: SinbadS
Views: 108 Replies: 3 I haven't seen any reference to AmEx Small Business Saturday Nov 29 for 2014 like last year (2013). Any sites to sign up or register our AmEx cards for $25 (?) credit shopping at a Small Business?
Discussion Deals
g: 0 Posted By: remick
Views: 86 Replies: 0 http://www.amazon.com/gp/product/B00OM729CY

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

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


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

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



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

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




also free

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

YOU ARE IN DANGER

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

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

Real online security is all about:

...the things you need to KNOW

...the things you need to DO

...and the things you need to AVOID doing

to truly stay safe online.

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

For example, some of the topics covered include:

...How to get free virus protection

...Other free defenses you should install

...Keeping your children safe online

...Vital information about safe surfing

...How to recognize and avoid online scams

...Securing your PC and its private data

...How to spot unscrupulous marketers

...Guarding your personal privacy online

...Staying safe from criminal intrusion

...Keeping your home Wi-Fi network secure

...Crucial advice regarding password security

and much, much more!

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

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

As well as being an incredible communications hub that can link you to a virtual treasure trove of knowledge, the Internet also offers a plethora of work from home opportunities. However, if you want to make money online from home, you need to be very, very cautious. There are thousands of money-making schemes online that are really just traps for the unwary. ITRAPS spells them out and points you in the right direction. The book even has a section on finding the ideal 'work from home' opportunity, if that is what you really want.
Books & Magazines Deals
g: 0 Posted By: bittul
Views: 186 Replies: 0 www.childrensplace.com

Use code: FRIENDS3 (additional 30% off sitewide). Free Shipping no minimum today only (no code needed).

Baby Girl: bootcut jeans - odyssey (6m-4t)
http://www.childrensplace.com/webapp/wcs/stores/servlet/en/usstore/p/bootcut-jeans---odyssey-1124495-B4

Girl: skinny jeans - odyssey (4-14)
http://www.childrensplace.com/webapp/wcs/stores/servlet/en/usstore/p/skinny-jean---odyssey-1150073-B4

Girl: skinny jeans - new black (4-14)
http://www.childrensplace.com/webapp/wcs/stores/servlet/en/usstore/p/skinny-jeans---new-black-2009982-3B

Baby Boy: straight jeans - aged stone (6m-5t)
http://www.childrensplace.com/webapp/wcs/stores/servlet/en/usstore/p/straight-jeans---aged-stone-1107408-1M

Boy: straight jeans - black (4-14)
http://www.childrensplace.com/webapp/wcs/stores/servlet/en/usstore/p/straight-jeans---black-1108678-3B
Clothing Deals

The Childrens Place Coupons
g: 0 Posted By: Gergor
Views: 86 Replies: 1 A few days ago we lost water supply in our house. I saw a city truck on our street within minutes and later on when I drove out a few block away I saw city workers doing some ground work with water everwhere. I suspect they may be while doing some ground work, they broke the water main or something of that sort. DIdn't care to find out the details at the time.

When I came home in the evening water was back. I turned on the tap and water/air gushed out initially and I didn't think much of it and I was just happy that water was back.

This afternoon was the first time I went to my backyard and I noticed that water was gushing out of a drip pipe in my sprinkler system. I suspected that when water was back a few days ago the water/air pressure was so high that it boke the water valve and also bursted the pipe open. So I had water gushing out in my backyard for days.

Now that it happened just now I don't know what my water bill will be, but probably in the order of hundreds if not more. And this makes me worried.

I don't have any proof that this is the reason why my pipe broke. Should I discuss with the City Water department about this at all? Should I do it right away or should I wait til my water bill comes?

Another thing that worries me is that we are in a drought and the city implemented measures to fine people with certain excess water use. Would the city turn around and fine me for negligence since the water was left running for days?

Question Deals
g: 0 Posted By: Gergor
Views: 27 Replies: 0 A few days ago we lost water supply in our house. I saw a city truck on our street within minutes and later on when I drove out a few block away I saw city workers doing some ground work with water everwhere. I suspect they may be while doing some ground work, they broke the water main or something of that sort. DIdn't care to find out the details at the time.

When I came home in the evening water was back. I turned on the tap and water/air gushed out initially and I didn't think much of it and I was just happy that water was back.

This afternoon was the first time I went to my backyard and I noticed that water was gushing out of a drip pipe in my sprinkler system. I suspected that when water was back a few days ago the water/air pressure was so high that it boke the water valve and also bursted the pipe open. So I had water gushing out in my backyard for days.

Now that it happened just now I don't know what my water bill will be, but probably in the order of hundreds if not more. And this makes me worried.

I don't have any proof that this is the reason why my pipe broke. Should I discuss with the City Water department about this at all? Should I do it right away or should I wait til my water bill comes?

Another thing that worries me is that we are in a drought and the city implemented measures to fine people with certain excess water use. Would the city turn around and fine me for negligence since the water was left running for days?

Question Deals
Rite Aid 10/19 - 10/25 (free Puracyn foot wash, Tresemme, Correctol)
Added on : Saturday October 18th 2014 05:00:14 PM
g: 1 Posted By: MrVietnam
Views: 1092 Replies: 5 Rite Aid 10/19-10/25

3/$9.99 with $1UP L2 COKE 12 packs

40% off L'Oreal Cosmetics with $5 WYB $20 MONTHLY ongoing L4

3/$9 GM Cereals and BUY 3 GET $3 OFF 1 Gallon of Milk (This is an IN-AD)

$3 UP WYB $12 Halloween Candy L 2
$5 Hershey's Reese's Mars M&M's or Nestle Big Bags
RA "Gusset???" Bags
$3 Reese's or Hershey's Snack Size Candy Bags
$7 Charms Candy Carnival, Tootsie Child's Play, Mike/Ike Variety Pack, Wrigleys Astd

$3 UP WYB $12 L 2 2/$6 Lindor/Lindt Premium Candy Pouches
(this is part of a MONTHLY deal)

3/$9.99 7 UP and 7UP Products 12 pk with $1 UP L 2

$2.99 Nestle Pure Life Water 24 pk

$2 Up L 2? Mucinex Fast max or Sinus Max or Hot tea $10.99

$2 UP L 1 Correctol $5 Adv Price (5mg/50ct?) $3/1 MC in most sunday papers

$1 UP L 1 Coricidin HBP $5.99 with $3/1 MC in most Sunday papers

$3 UP L 2 Nexium 24hr 28 ct $18.44 advertised price

$2 Up L 3? Aleve Caplets/tablets 200ct Bayer Aspirin 300ct $13.99

$3 Up WYB 2 L 2 Aleve 50ct, Bayer 50ct+ 2/$13

$2 In-Ad Pepto Bismol Max Strength 12 oz, Reg Strength 18?oz Children's chews 24ct

$3 Up Men's Women's One-A-Day $8.99 adv price
Men's/Women's 140ct? 50+ ?ct, Pro Edge 50?ct
Active Metabolism 54?ct, Energy, Petites and Vitacraves

$2 WYB 2 L 1 BO50% Estroven/AZO/i-Cool or Brainstrong

$20 Up WYB Omron BP Monitors Model-specific and unreadable L2?

$2 In-Ad L'Oreal Colour Expert, Healthy Look, Highlighting Kit or Elnett Hair Spray
(Has Sunday Paper MC advertisement, fuzzy, but appears to be $2/1)

$1 In-Ad L'Oreal Preference or Mousse AbsolueHair Color

$2 UP WYB $6 Suave L 4 MONTHLY(includes Suave hair and BW)

$8 UP WYB $20 L2 BO50% All Garnier Skin Care

$7 UP WYB $15?? L3 Cetaphil Skin Care

$3 Up WYB 2 L 4 MONTHLY
BO50% Jergens, Curel or Biore Skin Care Products

$1 In-Ad All Clean & Clear and Lubriderm 16oz

$1.99 Softsoap Liquid Hand Soap 7.5 oz
Zest or Coast Bar Soap 2?pack
Zest Body Wash

$1 UP WYB 2 L2
2/$4 Dial Liquid Hand Soap 7.5oz
Tone Bar Soap 2 pk
Dial Bar Soap 2/3?

$2 UP L 3? Simple Cleansers $4.99 adv price

40% off WNW Cosmetics $1/1 MC in Most Sunday Papers

$10 WYB $15 Physicians' Formula Face and Eye

$5 WYB $10 Artificial Nails and Lashes L 2

$7 Up WYB $15 Neutrogena Cosmetics L 2

2/$5 Babylips (Maybelline)

$3 UP WYB 2 L 2
2/$8 Tresemme Shampoo or Conditioner/Stylers

$3 UP WYB 2 L 2
2/$10 Tresemme Premium Shampoo or Conditioner/Select Stylers

$10 up L1 $10 Puracyn foot wash

$10 UP L1
RePHresh and Replens Feminine Care Product

$10 UP L1? DNA paternity test kits, SpermCheck Fertility Kit, or Gender Prediction Kit

$5 UP L 2 $13.99 Trojan Condoms 10-32 ct Exc Natural? 10ct?)

$2 UP WYB 2 L 2 Oxytrol 4 ct or Kegel Exercisers

$5 L2 Trojan Lubricants

$4 UP WYB 2 L2
BO50% KY Entire line

$5 UP WYB 2 L 2
BO50% RA Gloves and Mask

$1.50 UP WYB 2 L 2
2/$3.50 Crest TP and Oral B TB Indicator 1ct

$1.50 UP L 2
$6.99 Always Infinity 24-36 ct, Ultra Thin Jumbo Pack 36-44ct
Pantiliners 100ct?+, Tampax Pearl Tampons 32-50ct?

$5 WYB $20 L 4 MONTHLY
$3.99 RA Pediatric Electrolytes

$2 UP L 2
$10.99 Gillette ProGlide Flex Ball Razor

In-Ad NO Denomination noted in this ad, for Gillette Select Disposable Razors 2-12ct

$2 In-Ad Schick Disposable or Shave Preps (Edge Shave Gel)

$4 In-Ad for Schick Cartridges

$3 Up WYB $10 L 2 (MONTHLY)
2/$5 Lysol All Purpose Cleaners Liquid 40oz, Sprays 22 or 32 oz,
Toilet Bowl Cleaner 24 oz or Wipes 35 ct

$5 Up WYB 2 L 3
BO50% GE CFL bulbs 1ct, Halogen 2pk

$2 UP WYB 2 L?
$4.99 Glade Lasting Impressions Refills, Plugins Scented Oil 2pk,
Auto Spray Refill 6.2oz?

$5 UP WYB $15 MONTHLY
2/$6 Xtra Laundry Det, Nice 'n Fluffy Softener, Palmolive 25 oz

$2 Up 50' Pocket Hose or Slip Stone Frying Pan $19.99

$2 UP Sandisk SD cards and flashdrives (many at 75% off clearance might count)
advertised 25% off L 2

There are some GC UP reward deals for Google Play, Xbox Live, Green Dot and American Express Secure Pay no coupons for fees.
Health & Beauty Deals
Drivers License cancelled by error costing me a fortune | What can I do?
Added on : Saturday October 18th 2014 12:00:06 PM
g: 0 Posted By: ivo09
Views: 120 Replies: 4 On Thursday night (10/16), my mom got pulled over for speeding. When the officer ran her license, it came back as cancelled (not suspended). She has no prior tickets so naturally she was surprised. She called my dad and I to come and get the car so it doesn't get impounded. When my dad and I show up, the officer asks to run my dad's license which also comes back as cancelled. He tickets my dad for driving and I ask him to run mine which is also cancelled. All three licenses were cancelled on 10/14 without an explanation according to the cop. We didn't get anything in the mail at either address (I don't live with rents). Now the three of us are sitting on the side of the road with 2 cars that no of us can drive away. Cop calls a tow truck and they pick up the cars.

The next day we found some friends to help us get the cars and drive them home. It costs us about $700 roughly. We go to the DMV to see why our licenses have been cancelled and they tell us that they don't know why. Apparently our all 3 of our DL's were cancelled mysteriously without explanation and we have to speak to a case worker to schedule a hearing. At this point my mom calls our lawyer and tells him to see what is going on. Roughly two hours later, the lawyer's secretary calls and tells us this was done by error and they will fix it, but it may take up to TEN business days!! Today the lawyer called us again and told us there was an administrative error that caused our licenses to be cancelled, but it may be a couple days to fix it.

Now here's where the plot thickens. My dad and I both drive commercially for a living. We own our own small transportation company and this is really costing us a small fortune. They have essentially shut down our business for the time being, while we still have high overhead costs. I have already turned down multiple clients and lost their business. I am not exactly sitting on a pile of money right now. I have two small children at home and my wife doesn't work, so me not being able to work for up to 2 weeks while still having to pay the high overhead costs is really going to hurt me financially. My mom is forced to take a car service to her work and back just so she doesn't lose her job!

If this is straightened out by Monday (which I doubt), it will have cost my family roughly $4-5,000 ($1500 in fees and around $3000 in lost revenue). If this drags out for another week, it will easily cost my family $10,000+. All because of an administrative error by someone working for the Secretary of State. This is happening in Illinois. I haven't talked to the lawyer yet. I never thought about suing the government, but its extremely unfair to suffer hardship and lose precious finances because someone cocked up some paperwork. There should be restitution for the fees we paid and the opportunity costs. Is suing the state viable in this case?

TLDR; My whole family's driver licenses were erroneously cancelled by the state of Illinois costing us a small fortune in towing fees, legal fees, and missed business costs.

Discussion Deals
Driveway Easement - any concerns?
Added on : Friday October 17th 2014 11:00:02 PM
g: 0 Posted By: dblevitan
Views: 43 Replies: 0 We're considering a house in WA that has a driveway easement along one edge of it. This part of the driveway is shared between this house and the next property. The only information I've found (from public documents) is that there is a non-exclusive right of ingress and egress to the owner of the other property, that maintenance costs are shared between the two houses, and that no structure can be built within 55 feet from this edge of the property. I don't know, at this time, whether other agreements exist. This would be our first home purchase and neither of us has experience with such easements, so hopefully someone can answer a few questions from the financial side of things:

The properties are both on a relatively steep hill, so if you accidentally drove off the road you'd drop 10 feet or so. Should we have any concerns about liability from someone visiting the neighbors house and crashing while on this part of the driveway?
How is maintenance typically shared? Who decides that the driveway needs to be repaved?
What is the requirement for something like snow removal in this situation? Can we be forced to get a snow removal service even if we don't want it (primarily because snow falls only a few times a year around here)?
Given that the easement specifies nothing about the width, can we be forced to expand the width of the driveway? At the moment it's actually pretty narrow and two cars could probably just pass each other.

Thanks for any help you may have!

Discussion Deals
Gilligans Island DVD-Complete Series $29.99 Rakuten.com +Free Shipping
Added on : Friday October 17th 2014 05:00:03 PM
g: 0 Posted By: COOLBLEU
Views: 172 Replies: 0 http://www.rakuten.com/prod/gilligans-island-complete-series/221687257.html


After a three-hour pleasure tour, the SS Minnow is washed ashore on an uncharted South Pacific island, leaving behind what would become TV's most famous castaways.

Stars: Bob Denver, Alan Hale Jr., Jim Backus, Tina Louise, Dawn Wells, Dawn Wells and Natalie Schafer.Technical Info
Release Information Studio: Turner Home Entertainment Release Date: 9/30/2014 Original Release Date: 1964 UPC: 00883929164875 Number of Discs: 9 Audio & Video Available Audio Tracks: Video: Color
Cast & Crew
Russell Johnson Jim Backus Natalie Schafer Tina Louise Alan Hale Jr. Bob Denver Dawn Wells Sherwood Schwartz-Creator
Product Attributes
Video Format: DVD


Compare :

WBShop - $28.59 + $4.99 standard shipping

Amazon.com - $44.99 w/free shipping

Bestbuy.com - $54.99 w/free shipping



DVD Deals

Rakuten.com Shopping Coupons
LCD Class Action Lawsuit - checks coming
Added on : Friday October 17th 2014 08:00:18 AM
g: 1 Posted By: FroginMyPants
Views: 103 Replies: 1 Forgot all about this until I recently received an email re: it. Previous thread in this forum is closed. I received an email stating that checks will be going out within 4 weeks of the final court hearing, which was to be Oct 17 (today), but from what I see in the link, it may have already happened. $43.64 per laptop/computer and $87.28 per tv.

https://lcdclass.com/Portals/0/Documents/10-7-14%20LCD%20Reply%20iso%20Distribution%20Motion.pdf
Discussion Deals
Allstate Auto Insurance Policy Change
Added on : Friday October 17th 2014 07:00:15 AM
g: 0 Posted By: overafter
Views: 84 Replies: 6 My wife and I have had an Allstate Platinum non-cancellable policy for about 10 years. We've maxed out our deductible award, get our 5% back every 6 months, etc. Our agent recently contacted us asking if we want to switch to a credit score based policyand only lose the non-cancellable feature. The agent swears up and down that no one gets cancelled except for DUIs, multiple accidents, etc. We have not had any at fault accidents during this time and only have had 2 windshields replaced for cracking, it is only the 2 of us on the policy and we have no children. Savings over our current plan will be between $800 and $900, or 30-35% of our policy costs. I've asked about all of the questions that I can think of, has anyone else had made this switch or have other input?
Discussion Deals
Corporate Donations Tax Dedecution Limit
Added on : Friday October 17th 2014 06:00:19 AM
g: 0 Posted By: lotusgardener
Views: 36 Replies: 1 Corporate charitable contribution limitation

While corporations are entitled to tax deductions for charitable donations they make, the maximum deduction for any tax year is 10% of the corporation's taxable income. For this purpose, however, taxable income must be specially computed without regard to the following:

(1) the charitable deduction itself, of course (which has not yet been determined).
(2) the special corporate deduction for dividends received (generally 70% of the dividends received).
(3) any net operating loss (NOL) carried back into the year from a future tax year.
(4) any capital loss carried back into the year from a future tax year.

Note that in 3 and 4, above, only if the NOL or capital loss is being carried back into the year from a future tax year is it disregarded. An NOL or capital loss that is carried forward into the year from an earlier year is used in determining taxable income for purposes of the charitable donation limitation.Example (1): In Year 1, XYZ Corp. has $200,000 in earnings from its operations, $20,000 of capital gain, and $10,000 in dividend income from corporations in which its interest is below 20%. It has $40,000 in tax deductions not counting a charitable deduction or the dividends received deduction. It donated $25,000 to qualifying charities in Year 1. In Year 2, XYZ has a $5,000 capital loss which is carried back into Year 1.The Year 1 charitable deduction is limited to $19,000: 10% of taxable income of $190,000 as determined solely for these purposes. The $190,000 figure is arrived at by adding the earnings ($200,000), the capital gain without reduction for the Year 2 capital loss carryback ($20,000), and the dividend income without regard to the dividend received deduction ($10,000). This total of $230,000 is then reduced by deductions other than the charitable deduction ($40,000) to obtain $190,000.XYZ's real taxable income can then be computed as follows: $200,000 earnings, plus $15,000 capital gains after the loss carryback, plus $10,000 in dividends, but minus a $7,000 (70%) dividends received deduction, the $19,000 charitable deduction, and the $40,000 remaining deductions. This comes to $159,000.

Charitable contribution carryovers. Any charitable donations which cannot be deducted due to the limitation discussed above are carried forward into the following year where they can be deducted on top of the corporation's deduction for contributions made in that following year, subject to the same limitation as it applies in that year. If it can still not be deducted in the following year, it continues to be carried forward. However, if it is not used within five years after the year of the donation, it expires. Note as well that charitable donations in excess of the limitation amount can never be carried back to an earlier year, only forward.If a contribution of property (as opposed to cash) is made by the corporation, the same rules that apply to noncorporate taxpayer contributions apply to determine the amount of the donation. These rules are applied first and then the total amount donated during the year is subject to the 10% limitation.

I found the above online, in regard to charitable contributions by a corporation, and was wondering if anyone could offer some clarifications. We are an S-Corp, and we sell "classes", about 2-3 hours long, we do corporate team events, and birthday parties, etc. This is our first year in business, and I doubt we will be producing a profit by tax time.

The questions stand:

1. Taxable income? Is this defined as Gross Income - Expenses/Deductions or am I missing something.
2. How is the value of the donation determined? Is it ARV or Direct Costs? Say we give away a bday for 8 kids. Normally we charge say, $20/kid, so is the value of donation $160, or our cost?

Thanks, guys.
Tax Deals
g: 0 Posted By: remick
Views: 199 Replies: 0 http://www.amazon.com/gp/product/B00BLVGPRO

4.5 out of 5 stars (44 customer reviews)

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

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

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

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



also free

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

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



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

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



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

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



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

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

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

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



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

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

Amazon Coupons
g: 1 Posted By: remick
Views: 651 Replies: 0 http://bitfountain.io/course/mini-iOS8/?couponCode=loyalcustomer...

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

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



Kindle book

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

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



Services Deals
New Source for Printable Coupons?
Added on : Thursday October 16th 2014 04:00:09 PM
g: 0 Posted By: PutThatCoffeeDOWN
Views: 125 Replies: 0 Previously extrasforme dot com...it is now redirecting to w w w dot thecouponbooksavings dot com (launching on November 1 (company behind the site is NYC-based Synergistic Marketing)

Could be a great source for IPs...
Discussion Deals
g: 0 Posted By: remick
Views: 222 Replies: 0 http://bitfountain.io/course/mini-iOS8/?couponCode=loyalcustomer...

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

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



Kindle book

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

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



Services Deals
Sears Tempur-Pedic Pillow B1G1 Free Sale: $99.00 - $199.00 FS @ Sears
Added on : Thursday October 16th 2014 09:00:07 AM
g: 0 Posted By: Farfisa850
Views: 179 Replies: 1 http://www.sears.com/search=tempur-pedic%20pillow&Buy%20One%20Ge...

Tempur-Pedic TEMPUR Cloud: Breeze Dual Cooling Queen Pillow -$199.00

Tempur-Pedic TEMPUR-Breeze Pillow -$179.00

Tempur-Pedic TEMPUR Cloud: Soft & Conforming Queen Pillow -$149.00

Tempur-Pedic TEMPUR-Symphony Pillow Queen -$129.00

Tempur-Pedic TEMPUR-Neck Pillow Queen -$129.00

Tempur-Pedic TEMPUR-Symphony Pillow Standard -$99.00

Tempur-Pedic TEMPUR-Neck Pillow Standard -$99.00

Tempur-Pedic TEMPUR-Traditional Pillow Soft -$99.00

Tempur-Pedic TEMPUR Cloud: Soft & Lofty Queen Pillow -$99.00
Bedding Deals

Sears Coupons
AT&T MOBILE CUSTOMERS MAY BE ELIGIBLE FOR REFUNDS ($105 M available)
Added on : Thursday October 16th 2014 04:00:10 AM
g: 1 Posted By: eddierd
Views: 108 Replies: 1 AT&T Mobility, LLC, has agreed to settle allegations that it charged mobile customers without their permission for third-party services like ringtones, wallpapers, and text message subscriptions for horoscopes, flirting tips, and celebrity gossip. Current and former AT&T customers who paid for unauthorized third-party charges after January 1, 2009 may apply for refundsThe FTC has hired Epiq Systems to process refund requests for this case. You should not expect to receive your refund for at least 9 months.If you have questions, call 1-877-819-9692. Claims can't be taken over the phone, but you can request a paper claim form. Or use the link below to apply online.

To check if you qualify and more information: http://www.ftc.gov/es/node/581031
Discussion Deals
g: 0 Posted By: BennyZz
Views: 207 Replies: 0 It's back.

http://www.walmart.com/ip/Ematic-7-Tablet-8GB-Memory-Quad-Core-B...

Lots of discussion about this tablet and rooting in the last post.

If you missed last time, get it now.

Specifications
Platform: Android
Primary Color: Black
Processor Type: Quad-Core Processor
Processor Speed: 1.50 GHz
System Ram: 1 GB
Hard Drive Size: N/A
Laptop Screen Size: N/A
Screen Type: Capacitive Touch Display
Battery Life: 4 hours 30 minutes
Battery Type: Lithium Ion
Network Connection: 802.11b/g/n Wireless LAN
Connector Type: 1 x HDMI, 1 x Headphone, 1 x USB 2.0
Operating System: Google Android
Accessories Included: AC Adapter
Operating System Version: Android 4.2 Jelly Bean
Model No.: EGQ307BL
Android Tablets Deals

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

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

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

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

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

Motif is at https://www.motifinvesting.com.
Investing Deals
g: 0 Posted By: francded
Views: 175 Replies: 0 http://www.newegg.com/Product/Product.aspx?Item=9SIA1640BW5702

was: $89.95



Descriptions:
? 61 Keys / MP3 Play / LCD Display
? 16 Tones Select
? 10 Rhythms Select
? 6 Demo Songs
? Percussion / Chord/ Sound Effects
? Sound Effects/ Lesson Mode
? Record/ Program / Drum / Fill-in
? Microphone / Adaptor
? Eye catching Design!
The microphone jack and included microphone allow you to plug-in and sing along with the songs that are coming from your keyboard. This keyboard also includes Lesson mode that lets you practice at your own pace.
As connectivity is always so important in today's music world, the MQ-809USB features a USB port, and you can listen your MP3s from keyboards' 2 way speakers . You will be impressed by its superior sound quality .
Suitable for everyone.
Contents:
Electronic Organ MQ-809USB, Adaptor,Microphone
Requirements:
Requires 6 x AA batteries(not included)


Music Deals

Newegg Coupons
Shopify vs BigCommerce
Added on : Tuesday October 14th 2014 01:00:09 PM
g: 0 Posted By: ICMATULKASPRMKY
Views: 66 Replies: 0 Anyone want to chime in about either platform? Pros/Cons..Trying to gauge how sentiment is towards both.
Discussion Deals
Washington Post 80% off - today only - $19/year (digital subscription)
Added on : Tuesday October 14th 2014 10:00:02 AM
g: 0 Posted By: Gauss44
Views: 0 Replies: 0 https://subscribe.washingtonpost.com/acquisition/acquisitionapp....

(Mods: I believe I trimmed this link correctly. If not, feel free to modify.)
g: 0 Posted By: 1abcdranger
Views: 45 Replies: 1 The smart phone is quite incredible. I am typing this out on a Inexpensive smart phone now. Is there any applications of the smarphone which saves you time or money?
Discussion Deals
g: 3 Posted By: remick
Views: 263 Replies: 1 http://www.amazon.com/101-Life-Altering-Things-Before-You-ebook/...

5.0 out of 5 stars (13 customer reviews)

IF TODAY WERE THE LAST DAY OF YOUR LIFE, WOULD YOU WANT TO DO WHAT YOU ARE ABOUT TO DO TODAY?


Steve Jobs asked this question a few years ago.

What is your answer? Like most people, you certainly would answer with a big no. So what is preventing you from doing the things you love, the things that exhilarate you, the things you should do before you kick the proverbial bucket? This book is not your usual bucket list book. It will blow your mind with items as easy-to-implement and original as sending a love letter and flowers to your future self; writing sycophantic letters to the President of the United States; shower in a waterfall with your lover; and finishing a 1,000-piece Jigsaw Puzzle.

>>> The book contains a helpful Discussion Guide and information about sequel Pop!!! The Power of Positive How to Completely Change Your Life in 7 Days. 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.
Books Deals

Amazon Coupons
Strategy for first house
Added on : Monday October 13th 2014 11:00:06 AM
g: 0 Posted By: tempium
Views: 189 Replies: 5 Background

Wife and I (30 years old, no kids yet) are considering buying a house. Our HHI is ~155K. We have about 60K saved for downpayment + emergency fund + ~175K in retirement assets. Only debt is ~30K in student loans @ 2.75 variable. We are currently able to save 30% of our gross income paying ~1800 in rent.

We live in a major metro area and are looking at "fixer upper" homes in the 300K range. The hope is to spend the next 3-7 years in this home building "sweat equity" funding renovations with cash flow while maintaining a high savings rate, then rent it out when we retreat to the burbs. We have experience renovating a family vacation property ourselves and are managing it for short term rentals on behalf of the family.

Options

1. Condo in decent part of the city
2. Single family just outside the city
3. 2 Unit multifamily in a less desirable neighborhood just outside the city
4. Go to the burbs now (unlikely because it limits career options)
5. Keep renting and saving

We've looked at properties in all these categories and have been discussing the pros and cons of each. Right now we're leaning towards option 2. What say ye gods of FWF?

Personal Finance Deals
The Wanderers on DVD - $12.78 on Ebay
Added on : Monday October 13th 2014 11:00:04 AM
g: 0 Posted By: Ayla
Views: 186 Replies: 2 The Wanderers on DVD - $12.78 on eBay



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


$19.98 List Price

$9.99 + $2.79 Shipping


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


Compare: $17.97 at Amazon Marketplace

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

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

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


List Price: $19.98

Price: $13.98 + $3.99 shipping = $17.97

~~~~~

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

eBay Coupons
VUDU - 31 Free TV 1st Episodes
Added on : Monday October 13th 2014 06:00:02 AM
g: 0 Posted By: RadioheadNC
Views: 6 Replies: 0 VUDU link to 31 Free TV First Episodes

True Blood - Strange Love (S1E1)
Gracepoint - Episode 1 (S1E1)
Bad Judge - Pilot (S1E1)
Manhattan Love Story - Pilot (S1E1)
Town of the Living Dead - Jasper Needs Zombies (S1E1)
Survivor's Remorse - In The Offing (S1E1)
Duck Dynasty - The Grass & The Furious (S2E1)
Community - Pilot (S1E1)
From Dusk til Dawn The Series - Pilot (S1E1)
Being Human - Turn This Mother Out (S2E1)
Hell On Wheels - Viva La Mexico (S2E1)
Damages - Get Me A Lawyer (Pilot) (S1E1)
Mulaney - Mo'Laney Mo' Problems (S1E1)
Manzo'd with Children - The Princess Bride (S1E1)
Nail'd It - Nail Pride (S1E1)
Haven - Welcome to Haven (S1E1)
Rookie Blue - The First Day of the Rest of Your Life (S3E1)
Africa - Kalahari (S1E1)
Hidden Kingdoms - Under Open Skies (S1E1)
In Search of Aliens - The Hunt For Atlantis (S1E1)
Last Man Standing - Here's the Kicker (S4E1)
Counting Cars - Electric Ride (S3E1)
Epic Ink - Comedians, Zombies and Space Cats, Oh My! (S1E2)
Pawn Stars - Get In The Ring (S13E1)
10 Things You Don't Know About: The Flag (S3E1)
Dora and Friends: Doggie Day! (S1E1)
Plankton Invasion - Operation Sandstorm / Operation John Quixote / Operation Methane (S1E1)
Plankton Invasion - Operation Big Fish / Operation Blackout / Operation Star Junior (S2E1)
Rocky & Bullwinkle - Episode 1 (S1E1)
Rocky & Bullwinkle - Episode 1 (S2E1)
Fractured Fairy Tales - Goldilocks / Fe-Fi-Fo-Fum / Rapunzel / Puss and Boots (S1E1)
Buy 1 Pack Duracell Batteries, Get 1 Free w/FS on $25+ @ Quill
Added on : Monday October 13th 2014 01:00:07 AM
g: 0 Posted By: ctgolfer
Views: 228 Replies: 0 Buy 1 Pack Duracell Batteries, Get 1 Free

free shipping on $25+

www.quill.com/lists/nonbrowseskussetgrid.aspx?SkusetId=815536
Quill Coupons
g: 0 Posted By: ctgolfer
Views: 14 Replies: 0 ww.Amazon.com/Cybersonic3-Complete-Sonic-Toothbrush-System/dp/B0011MVZFU/

free shipping on $25+

www.quill.com/lists/nonbrowseskussetgrid.aspx?SkusetId=815536
Amazon Fire TV: $81 (Rewards Price) $64.80 (A/C) @ Staples
Added on : Sunday October 12th 2014 02:00:07 PM
g: 0 Posted By: dazviking
Views: 248 Replies: 0 Staples
Amazon Fire TV
$81.00 for Rewards Members
-$16.20 (after Coupon)
$64.80

I know there has been some discussion about the Fire TV, including using the 20% coupon, but the price for me rang up lower than any previous posted deal.

Story:
I wanted to check if the 20% coupon would work (it did), and when my rewards number was entered the FTV was discounted further. I'm not sure how the pricing worked prior to my Rewards number, but presumably it was $84 as advertised. The two other coupons attached are the $10 off $50, and two Rewards. Both were given after the $81 pricing and 20% were confirmed.

Electronics Deals

Staples Coupons
g: 0 Posted By: Gauss44
Views: 146 Replies: 0 Clearance Sale
http://www.undergear.com/mens-clothing-clearance/?sz=all
Luxor Navy Blue Haircalf Sneaker crafted in tactile haircalf, is a hybrid shoe-trainer lending a modern tailored twist to the classic slip-on sneaker. Featuring wide elastic side gussets, tab pull on heel, pointed toe, leather lining, white rubber sole and padded insole. Signature dust bag and box included. Made in Italy.Special offers and rebates for Fujitsu LIFEBOOK® notebooks and Tablet PCs, STYLISTIC® tablets and mobile accessories.
Free Kindle Book- How To Crush Texas No Limit Hold'em Games
Added on : Sunday October 12th 2014 03:00:08 AM
g: 0 Posted By: remick
Views: 90 Replies: 0 http://www.amazon.com/gp/product/B00OD197N8

How To Crush Texas No Limit Holdem Games is meant for the average losing player. This book guarantees to help losing players by helping them in the following. 1. Making them aware of odds and outs and the hands they should play from various positions. 2. Helping them understand pre-flop ranges and effect of ranges on equity. Helping Live Poker Players in showing them pre-flop ranges and hand equities using Poker Stove. 3. Helping average players understand profitable situations in which they crush their opponents and avoiding marginal situations. 4. Discussing the broker based model 5. Discussion on Poker Tells and how to benefit from them in live poker. 6. Secrets to crush live Texas Holdem No Limit games.
Books & Magazines Deals
g: 0 Posted By: ctgolfer
Views: 163 Replies: 0 use promo code: MPOWENGI

free shipping with Prime or on $35+

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.
Mow Engine is not just a shower speaker, but not just the shower room. You can bring it to everywhere you want, shower room, sleeping room, kitchen and more.
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/Wireless-Bluetooth-Waterproof-Cellphones-Activiti...
Headphones & Speakers Deals

Amazon Coupons
g: 0 Posted By: tedhawkins
Views: 113 Replies: 0 Cesar Wet Dog Food (Pack of 24) as Low as $12.39 with 20% OFF coupon and S&S (various flavors) Fs Prime

http://www.amazon.com/gp/coupon/cesar-wet-dog-food/A1HS8EKVRYK6L...

Pack of twenty-four, 3.5-ounce each (total of 84 ounces)
Great taste with exceptional palatability to tempt even the fussiest dogs
Complete and balanced dog food nutrition for small dogs, fortified with vitamins and minerals
Convenient ready-to-serve fresh sealed tray
Pets Deals

Amazon Coupons
Cesar 3.5oz Dog Food $12.55 24pk @ Amazon - S/S and coupon
Added on : Saturday October 11th 2014 10:00:07 AM
g: 0 Posted By: ffrob
Views: 197 Replies: 1 Amazon has this deal: Cesar's
The deal requires you to order via Subscribe and Save at the price of $15.69 for 24. Use the Save 20% More coupon, and this makes it $12.55 (plus tax) for a total of 24 packs.

Pack of twenty-four, 3.5-ounce each (total of 84 ounces)
Great taste with exceptional palatability to tempt even the fussiest dogs
Complete and balanced dog food nutrition for small dogs, fortified with vitamins and minerals
Convenient ready-to-serve fresh sealed tray
Gourmet Filets 12 Filet Mignon Flavor and 12 New York Strip Flavor

Pets Deals

Amazon Coupons
Alternatives or non-traditional ways around Obamacare
Added on : Saturday October 11th 2014 09:00:11 AM
g: 0 Posted By: myfrogger
Views: 29 Replies: 1 I'm self employed, healthy, and I was able to keep my grandfathered individual health insurance plan through the end of 2014. I was paying $70/mo before and coverage now is $180-$350/mo. A comparable plan is around $260-$320/mo depending on the company. That's a lot of extra money! If I invested that money over the next 30 years I would have $200k-$250k! I'm interested in how to avoid parting with that money.

So how do I avoid paying the obamacare penalty and then covering my health care needs a different way?
How do I purchase a high deductible insurance and supplement the policy another way?

Some of my ideas:
-- Buy a short term policy (some can go to 364 days) and then buy another short term policy when it expires
-- Enroll in a Christian share program. I've found 3--Medishare, Semaritan Ministries, & Christian Health Care Ministries. Are their others?
-- Buy some sort of supplemental insurance to help bridge the gap. I see all kinds of plans from $10/mo to $250/mo.
-- I read that someone bought a large "medical payment coverage" on their auto insurance to cover injuries while driving. I'm not sure if this works like this but it's an idea worth exploring.
Discussion Deals
List of Data Breaches
Added on : Saturday October 11th 2014 07:00:10 AM
g: 1 Posted By: bargainr
Views: 75 Replies: 1 Chase JP Morgan Data Breach
Announced: Octo 2014
Customers Affected: 76 million + 7 million businesses
https://www.chase.com/services/customer-notice-faq

Dairy Queen
Announced: Oct 9, 2014
Dates Affected: Unknown
Customers Affected: Unknown
http://www.dq.com/us-en/datasecurityincident/affected-stores/?lo...

Home Dept Data Breach
Announced: Sept 8, 2014
Dates Affected: April 2014 to September 2014
Customers Affected: Unknown
https://corporate.homedepot.com/mediacenter/pages/statement1.asp...

Jewel Osco Data Breach
incl. Alberstons, ACM Markets, Shaw's, Star Markets
Announced: Aug 14 2014
Dates Affected: Jun 2014 to Jul 2014
Customers Affected: Unknown
http://www.jewelosco.com/2014/08/ab-acquisition-llc-confirms-inc...

Jimmy John's Data Breach
Announced: Sep 24, 2014
Dates Affected: Jun 2014 to Sep 2014
Customers Affected: Unknown
https://www.jimmyjohns.com/datasecurityincident/

K Mart Data Breach
Announced: Oct 10, 2014
http://www.kmart.com/en_us/dap/statement1010140.html?adcell=hpne...

Neiman Marcus Data Breach
Announced: June 15, 2014
Dates Affected: July 16 and October 30, 2013 (may be as early as March)
http://www.neimanmarcus.com/NM/Security-Info/cat49570732/c.cat

PF Changs Data Breach
Announced: Aug 4, 2014
http://www.pfchangs.com/security/

Target Data Breach
Announced: Dec 2013
https://corporate.target.com/about/shopping-experience/payment-c...

Viator Data Breach
Announced: Sep 19, 2014
Dates Affected: Unknown
Customers: 1.4million
http://www.viator.com/about/media-center/press-releases/pr33251

NOTES
I have seen people repeatedly suggest this be a sticky or summarized. So starting this master list of retail or banking data breaches. Not exhaustive, I just did the ones I know. If someone wants to take over and make it a sticky I think that's a good idea.

There's actually a *currently* 180+ page report that you can download here(PDF) that lists them all across EVERY category. It's sad that there's so many.
Discussion Deals
Payment breach system
Added on : Saturday October 11th 2014 06:00:13 AM
g: 0 Posted By: delhel
Views: 84 Replies: 2 Since everyday a new retailer coming out with bare rear end to expose their lame payment system, I think we can start a new thread to address this situation as a whole. This is particularly a major problem for FWFers as we have dozens of credit cards and loan acconts. The situation is so out of control that I feel things will be really bad in a year or so when the hackers will have enough time to consolidate all the information they stole from various sources. As for myself, I started to change my online passwords systematically. However I have zero control over other personal records.I am curious to know what other FWFers are thinking to safeguard their financial/personal data in coming future.
Discussion Deals
g: 0 Posted By: gr8f8
Views: 21 Replies: 0 Looking for a fee CFP with RSU and california real estate experience,
age 50, in california, looking to have basic(50-70Kper year) option for retirement(no pension,non gov. married only 1 income) by 54

Thought of three threads but will pose the three questions here, this is a one time situation in my life which has to be addressed by end of year

1)Tax related- RSUs vested and company took 54% to pay gov. (tagged to my income say 500K), by time that company let me sell My short term capital gains was actually a loss of 200K which I'm told I can only offset against other capital gains and not my income. Thus I have a 200K loss and I don't play in the stock market since 2007, and was told I'd be in AMT this year so home interest deduction and donations and persinal are out
I've got 4 rentals, 1 owned outright and 3 with mortgages(>50% equity, loans 4.25-4.5%).They make 30K a year which is covered by their depreciation, except if I'm in AMT. Which I've been told this year I am. Thinking of selling one with all about same value same area etc and would have gain of 170K. Then if one with mortgage pay off other two mortgages. This would recoup most of the loss this year(I usually have no capital gains.I believe the biggest increases in real estate are over for now until interest rates go back to normal but if we are in Japan situation, that can be a long time.

2)Been looking for an entry point with IRA that has been cash since 2007(say 200K), some thoughts since markets have gone down some,
I'm diversified into real estate already so thinking equities for 3-6 years
Have looked for a point to start to invest
Like dollar cost averaging since if his is the long slide(think Japan) I didn't buy at top and get more on way down, If it goes back up then at least got some at discount. If it goes flat not loosing anything
For time duration=D of reentering
Look at last 4 corrections take maximum duration=D
Frequency? No clue but for right now I'll say 10, so 20K per investment
a) Look at the best world wide dividend stocks which are available take top ten and buy 20K per Dmonths
b) do dividend ETF for us and then 1 for emerging markets, if dollar is strong(will take today as start) like now buy emerging if weaker buy US every Dmonths
Planning to convert to ROTH after retirement in 3-6 years if early retirement at lower tax base.


3) Have say 300K cash Owe ~250K on house at 4% since home deduction blown this year and probably next year(AMT) thinking of paying off as then I would be 1 step closer to retirement options in next 3-6 years.
I don't see any other investments, On the shows I listen to they always talk about getting 6-8% like it is guaranteed, at least this 4% is.

It's weird that my accountant told me that even though I have a short term capital loss of 200K I may owe a lot of taxes because of AMT this year. My with holding was based on my regular deductions

Any thoughts?
Thanks
Discussion Deals
what is your investment style in stocks, and that make money?
Added on : Saturday October 11th 2014 03:00:05 AM
g: 0 Posted By: 1abcdranger
Views: 190 Replies: 2 I have many investment styles. One is looking for value and anticipiting revenue and earnibgs growth. Example: gopro went ipo and and since i could not get the ipo, I bought the supplier of their hd chip, AMBA. As gopro exploded up so did amba. Amba went up from 30 to 41 dollars. They also have no debt.

I have seen people on this board sell options. I have seen people buy large amounts of stock and if the stocks goes up just a little they sell it. Are these really profitable strategies?
Discussion Deals
what is your investment style in stocks that make money?
Added on : Friday October 10th 2014 08:00:09 PM
g: 0 Posted By: 1abcdranger
Views: 40 Replies: 2 I have many investment styles. One is looking for value and anticipiting revenue and earnibgs growth. Example: gopro went ipo and and since i could not get the ipo, I bought the supplier of their hd chip, AMBA. As gopro exploded up so did amba. Amba went up from 30 to 41 dollars. They also have no debt.

I have seen people on this board sell options. I have seen people buy large amounts of stock and if the stocks goes up just a little they sell it. Are these really profitable strategies?
Discussion Deals
Get Up to 80% Off Jessica Simpson Outerwear @ Sears
Added on : Friday October 10th 2014 08:00:03 PM
g: 0 Posted By: ctgolfer
Views: 33 Replies: 0 Jessica Simpson Women's Outerwear

www.sears.com/clothing-shoes-jewelry-clothing-women-s-clothing-w...
Georgia Tech OMS CS - Application Window Open Again!
Added on : Friday October 10th 2014 03:00:05 PM
g: 0 Posted By: idfubar
Views: 0 Replies: 0 Past discussion regarding the same: http://www.fullofdeals.com/forums/finance/1303868/

TheOnline Master of Science in Computer Science (OMS CS) degree programis accepting applications again (until October 26th); anyone else thinking about submitting another application? The only thing one stands to lose is the application fee (and hope, again)... right? Seems like, aside from a thread on something like a "boot camp" there isn't much else as compelling (and accessible) for the same price... MOOCs are still flourishing (and thriving) but a degree program has its obvious advantages...
KMart Payment Card Breach
Added on : Friday October 10th 2014 12:00:05 PM
g: 1 Posted By: NEDeals
Views: 55 Replies: 1 Sears just announced that Kmart stores have had a payment systems breach. Will anyone notice?


Way to disclose this late on a Friday! Typical P.R. strategy to dump bad news.
Perhaps FWF should have a breach subforum after all.

Press Release:
http://money.cnn.com/news/newsfeeds/articles/prnewswire/CG35337....

CNBC Article
http://www.cnbc.com/id/102078876

Discussion Deals
Big Pharma and the Price of Life
Added on : Friday October 10th 2014 08:00:16 AM
g: 0 Posted By: mrmonty
Views: 145 Replies: 2 More in line with the $100-per--pack-tylenol. I had seen the '60 Minutes' segment on how there is cancer drug price gouging, and these are the shenanigans that the ACA failed to address.

http://www.economicpopulist.org/content/big-pharma-ripoffs-cance...
Discussion Deals
account error, sue them???
Added on : Thursday October 09th 2014 10:00:06 PM
g: 0 Posted By: ynotme
Views: 29 Replies: 1 Ok, so I posted about the case where I terminated the contract and got sued.

well I lost the case and ready to pay but something came up.

I was doing my taxes few weeks back found out that company cashed a check for wrong amount, it was $55 but they charged $551 because when I put the dollar amount I put the slash 55/xx but in the words I put "Fifty Five 00/xx---------"
Now I can just call them and ask for the difference but since we had case going on I'm thinking about taking it to court.
worth it? stupid? will lawyer take this case?

this happend may 2013, and I have the copy of canceled check

TIA
Discussion Deals
Gift Taxes on Interest of $60k Interest-Free Loan?
Added on : Thursday October 09th 2014 04:00:10 PM
g: 0 Posted By: RussellJohnson
Views: 89 Replies: 1 Premise:
My aunt, who is a non-US citizen, has $60,000 sitting in her US bank account earning 0.01% APY. The money serves no purpose other than to sit there.

Goal:
I have a savings account which earns 0.95% APY and I suggest that she park $60,000 in my account to earn the higher interest rate. She requires that I return only the principal amount in 3 years.

Concerns:
What taxes are owed and by who?
If this is an interest-free loan, am I subject to gift taxes incurred by the "gift interest"?
If so, don't I already pay taxes on earned interest income?
Where does the federal interest rate come into play here?
http://apps.irs.gov/app/picklist/list/federalRates.html

Thanks!
Question Deals
Redeeming points (Penfed CU) Visa
Added on : Thursday October 09th 2014 09:00:09 AM
g: 0 Posted By: Doua
Views: 83 Replies: 2 I just went into my rewards account to try to redeem my accumulated points for some prepaid visa cards. I noticed that Pentagon Federal is now charging/deducting extra points above and beyond what is needed to request the your points and Cash Back. For example, you can no longer get $100 (10,000 points) or $500 (50,000 points) as pre-paid visa cards. It now costs: $100 (11,800 points) or $500 (58,900 points). That is like imposing an extra $18 or 1800 points per $100. For taking $500, that's an extra $89 or 8900 points (you get a 100 point discount on $500 request lol). With these fees... this card isn't really a true 5% gas card anymore... it's more like 4.5%. Arrgghhh...
Discussion Deals
Free Kindle Book- The Tango Zone: The Brave Lovers' Tactical Field Guide
Added on : Thursday October 09th 2014 09:00:08 AM
g: 0 Posted By: remick
Views: 1 Replies: 0 http://www.amazon.com/gp/product/B00HH1TYJ8

Welcome to The Tango Zone

You often hear couples rant about their wild and amazing sex life. How they had sex on a beach in Cancun, made love in the elevator on the way to the show, did it like crazed minks in the car wash, or even joined the exclusive Mile High Club aboard a rocketing airplane.

But what exactly is involved in accomplishing these great feats of unbridled passion?

What about the risk?
What happens if you get caught?
What about the law?

The Tango Zone goes where no book has ever gone before. Exploring 15 of the most amazing sexual feats on the planet, taking readers deep into mystery and to the very edge of passionate danger.

The Tango Zone: the brave lovers tactical field guide includes:

1. Sex On A Beach
2. Hayloft Heaven
3. Lay Me Down In a Field of Plenty
4. Rocking The Boat: Sex In A Canoe
5. The Alley Cat Hustle
6. Shaking The Treetops
7. How Deep Is Your Love: SCUBA Sex
8. Love In An Elevator
9. The Horseback Giddy-up
10. Dashboard Delights
11. The Car Wash Rush
12. Mountaintop Bliss & The Climbing Spider
13. The Mayan Hammock
14. Mile High Club Membership Flight Rules
15. The Big Score: Sex On A Zamboni

Written by outdoor adventurist DJ Johnson and based on over 20 years of research experience, each entry discusses in detail the parameters involved in these feats of daring passion accomplished safely, within the law, and with consideration for both partners. Theres even a Laurel Scale of Orgasmic Thrill, The Eiffel Tower TZ Awards system, a guide to sexual positions, and a glossary.
Even if you would never dare it in a thousand years, The Tango Zone is a laugh-out-loud fantasy thrill-ride that you and your partner wouldnt want to miss.
How exactly would you go about making love while dangling from a cliff at 12,000 feet?
Check out The Tango Zone and see.

NOTE: This book is intended for a mature readership. Parental Discretion is advised.


also

Funny Sutra - Gluten Free Edition
http://www.amazon.com/gp/product/B00N49QBJ8

Kama Sutra, Ananga Ranga, Perfumed Garden and the others... None of them managed to give their readers the happiness they deserved. Why?
Funny Sutra was written in search of an answer to that question. The Funny Sutra Team had to make love with everyone from pristine African jungles to Chinese Steppes, from the massage parlours of Philippines to Denmarks brothels. This magnificent team sacrificed themselves just for the world to be a happier place and made love to beautiful women and handsome men, non-stop day and night. Their lives changed so drastically that they cannot enjoy their soups without doing the two shallow - one deep spoon strokes.
But their efforts were successful and Funny Sutra was born. The smile is waiting to blossom on your lips as 101 illustrated positions. Thats right; the treasure which will bring you happiness is a click away. If you miss this chance, you no longer have the right to complain about how miserable your love life is!...
g: 0 Posted By: remick
Views: 153 Replies: 0 http://www.amazon.com/gp/product/B00CXDZRKK

4.6 out of 5 stars (16 customer reviews)

What Promises Can You Believe?
In The Promises of God, Dr. R. C. Sproul shows how Godthe one true Promise Keeperalways keeps His promises. Drawing from his expansive theological background, Dr. Sproul addresses questions such as these:
How do we know that God will fulfill His promises to us?
What can we learn about Gods faithfulness as we wait for His promises to be fulfilled?
What was the agreement God the Father had with Jesus before the beginning of the world?
What does Gods covenant with Adam mean for us today?
What common covenant do atheists and other non-Christians participate in with God?
What does Gods covenant have to do with His forgiveness of our sins today?
Why did Jesus have to die to complete Gods covenant with us?

Gods promises throughout history are the foundation for your relationship with Him. Here you will see how and why He keeps His promises to you, from now through eternity.



The Precipice: When Everything We Know Ends
http://www.amazon.com/gp/product/B00JCHQSBW/
4.7 out of 5 stars (29 customer reviews)

Scan the headlines of any news outlet and it doesnt take long to realize the world as we know it is teetering on the edge of extinction. What will it look like if it falls? This book is divided into three short stories designed to give you a glimpse into the possible outcomes if humanity falls over the cliff. Each story paints a vivid picture of an out-of-control oppressive government scrambling to maintain order. These end times futuristic scenarios may seem absurd until they are compared with modern events that clearly show the world is closer to the precipice than we care to admit.
Each story is followed by a series of Discussion Questions that will challenge readers to ponder what they would do in similar situations of religious persecution. These questions should help readers identify where they stand in Christ, help them determine how much faith they place in modern comforts, and then encourage them to have a healthy fear of an expanding government coupled with a reverent fear of God. The Precipice could easily be used as a Bible Study in a small group setting.
There is much debate regarding the mix of politics and religion. Despite whether you believe they are intrinsically entwined or as unalterably distinct as oil and water, this book is for you. Liberty can only be maintained by an educated people willing to face the tough realities currently before us. This book will equip Christians to be Apologetic in an unapologetic way.



On Which Side of the Road Do the Flowers Grow?
http://www.amazon.com/gp/product/B009F15U3C
4.5 out of 5 stars (217 customer reviews)

Synopsis: During his years pastoring an inner-city church, Wendell Mettey discovered that God uses even the most blemished vessels to bring beauty into the world. In On Which Side of the Road Do the Flowers Grow?, Pastor Mettey shares the humorous and touching stories of his diverse congregation ordinary people whose lives were infused with an awareness of God's real and abundant grace.
On Which Side of the Road Do the Flowers Grow? is an excellent text for use in a small group or study class. The story-chapters provide a comprehensive, close-ended format for each session. Study guides are available to be used in conjunction with the book.


Raising Kids with Character That Lasts
http://www.amazon.com/gp/product/B004EPYQ1G

Poise your children for a life of success
Strong character that stands the test of time and circumstances does not develop automatically in children. It happens each day, a little bit at a time. Raising Kids with Character That Lasts shows you how to set and achieve the goals necessary for developing eight essential character traits in your children:

integrity
faith
a teachable spirit
a servant's heart
self-discipline
joy
compassion
courage



Straight Talk to Christian Singles: Moving from "Hi, how are you?" to "Yes, I do"
http://www.amazon.com/gp/product/B00MYS1DZ2
5.0 out of 5 stars (6 customer reviews)

If youre like many singles in the church today, youve probably followed the advice of spiritual leaders, dating gurus, or friends. Youve read the standard dating books, listened to the relationship talks, and attended the Christian meet-up events. Yet, perhaps youre still longing for God, an angel, or just someone whos been there before you, to cut through the cultural dating propaganda and give you straight answers to your tough questions. The author and his fun, insightful contributors will do just that. Join these wise Christian leaders and relationship veterans on their inspiring journey through Straight Talk to Christian Singles.
In this book, youll

Receive biblical understandings that will help you find and catch a keeper.
Learn to overcome the obstacles and invisible forces hindering your relational life.
Find some missing keys for Gods relational blessings for you.
Receive insights that put you inside the minds of members of the opposite sex.
Discover mindsets that inspire confidence and help you attract great relationships.
Receive a relational map to guide you through the dating maze to kingdom marriage.



All About Jesus: The Single Story from Matthew, Mark, Luke, & John
http://www.amazon.com/gp/product/B009MTOBCI
4.5 out of 5 stars (147 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).



Get Off Your Knees And Do Something: 17 Things To Do After You Pray
http://www.amazon.com/gp/product/B008F15KI8
4.6 out of 5 stars (62 customer reviews)

You want to be a prayer warrior. You want get results. But something isn't working. Even though you've prayed scripture and chosen your words wisely, you still aren't getting results. The words you speak are vitally important. But so is the action that you take afterwards.
We all know, "Faith without works is dead," but we too often forget that activating our faith requires a bit of action on our part. We have to do something.And its important that we do the right things.Quick and easy read. Inspiring pages of inspirational quotes, christian humor, and true personal testimonies. Learn from biblical examples how to pray and declare what God says and then get up and take action. Learn to replace your negative self-talk with positive Faith talk. Declare favor over your life and then get up and take hold of it! This book can be used as a daily devotional. It will help you focus your faith and take action to get results and change your life.
Books Deals

Amazon Coupons
g: 1 Posted By: MrVietnam
Views: 429 Replies: 2 Rite Aid 10/26-11/1
This is new month of monthly deals, if you see MONTHLY DEAL it indicates a NOVEMBER monthly deal.

$10 UP WYB $30 L1
P&G BO50% Covergirl
BO50% Olay, Ivory, Safequard Skin and Bathcare
2/$8 Secret Outlast/ScExp/Natl Min/FrshEff
Gillette 2.6-4oz, OS Redzone, Wild or Fresh Collections AP/Deo
2/$8 Pantene Sh/Con/Sty (adv $4/2 MC in Sunday Paper)
$7.99 Vicks Nyquil or DayQuil (adv $1 MC in Sunday Paper)
$9.94 Bounty/Charmin/Basic
$5.94 Tide ($2/1 adv in Sunday Paper)
$10.99 Duracell big packs
$8.99 Pampers Jumbo Pk $2 off WYB both diapers/wipes
$5.99 Pampers Baby Wipes 100-216ct
$3.99 Always Radiance Infinity Maxi Pads 12-?ct Tampax Radiant ?ct $1 MC advertised
$3.00 Crest TP 3D White, Oral B 3d White, ProHealth or Complete Manual TB .50/1 MC Advertised
Gillette Styler, ProGlide, Fusion Body, Mach3, Venus Refills, Shave Preps, Fusion
$10.99 Gillette ProGlide, Flex Ball Razor, Gillette Razor (Advertises $3 UP L 2 and $3 MC advertised)
2/$10 Clairol Nice 'n Easy Root Touch Hair Color $5/2 MC advertised

$5 UP WYB $15 L 2
L'Oreal Haircolor $1 In-Ad
L'Oreal Pref Mousse Absolue HC $14.99 with $1 In-Ad $3 MC advertised
2/$8 L'Oreal Adv Sh/Cond/Sty $3/2 MC advertised

$1 UP L 2
Marc Anthony Shampoo, Conditioner, Stylers
Organix Hair Care or Bath or FX Stylers

$3 UP WYB 2 L 2
BO50% JF Sh/Cond/Sty/Tx

$10 UP WYB $?? (Completely unreadable 50?) L 2
Conair Dryers, Straighteners, Curling Irons, Hot Rollers, Hair Cut Kits or Shavers

$10 UP WYB $20 L 2
Nexxus Sh/Con/Sty
Toni & Guy Haircare

$10 UP WYB $30 L 2 MONTHLY
BO50% L'Oreal Skincare

$5 UP WYB $15 L 2
ALL Burts Bees, Gud Skin, Bath or Lip Care

$10 UP WYB $15 L 2
Physicians Formula All Cosmetics

$5 UP WYB $20 L 2 or 3?
BO50% Sally Hansen Cosmetics (excludes bleaches/depil)

$1 UP WYB 2 L 2
2/$7 Softsoap or Irish Spring Body Wash
Softsoap Liquid Handsoap

$3 Up WYB 2 L 4 MONTHLY
2/$9 weekly Axe AP/Deo, Spray, Shower Gel, Shampoo,
Shave Gel, Face Wash

$2 UP L 2
$7.99 Secret or Gillette Clinical AP/Deo $2 MC advertised

$1 UP L 2
$2.99 Speed Stick or Lady Speed Stick AP/Deo .50/1 MC advertised

$15.00 UP L 2
Crest 3d White Whitestrips $7 MC advertised

$3 UP L 2
$12.99 Colgate Optic White TB with Whitening Pen

$4 UP L 2
$23.99 Allegra and Claritin Allergy products

$2 UP L 3?
$6.99 Mucinex Hot Tea Cold Relief

$1 UP WYB 2 L 2?
2/$4 Halls Cough Drops

$4 UP WYB 2 L 2
2/$49 Prilosec OTC 42ct, with $6/2 MC advertised

$1 UP L 3?
$16.99 Metamucil, NetaBiotic Probiotic $1 MC advertised

$2 UP L3?
$19.99 Miralax $5 MC advertised

$3 UP L 2 or 3?
$19.99 Prevacid 28 ct Benefiber Powder 125 doses

$1 UP L 2
$3.99 Tums Antacid 50-150ct

$2 UP L 2
$14.99 Renu MultiPurpose Solution Twin Pack

$3 UP L 2 Clear Care, Opti Free Pure Moist, Replenish and Express

$1 UP L 2
$9.99 Sarna Anti Itch Lotion $2 MC advertised

$2 UP L 2 or 3?
Excedrin 100 ct 9.99

$4 In -Ad Bayer Aspirin, Aleve, Phillips Colon Health Probiotics Trubiotic (big counts)

$6 UP L 2
One A Day Women's or Men's, Citracal, Flintstones

$4 UP L2
$5.99 Nature Made Vitamelts

$1 UP L 2
$18.99 Huggies Big Pack Diapers

$2 UP WYB $8 L 2
2/$4 Nivea For Men Shave Gel/Foam/Creme $2/2 MC advertised
$4.99 Nivea for Men Balm, Splash, Face Wash, Scrub, Daily Prot Face Lotion $2/1 MC

$2 UP WYB 2 L 2
2/$6 Listerine Mouthwash 250 mL, Pocket Paks, Total Care & Listerine Floss or Dentotape

$2 UP WYB 2 L 2
2/$12 Kotex Maxi Pads 28-44ct, Lightday Pantiliners, Poise Pads 20-22 ct

$2 UP WYB $2 L 4
2/$8 A&H Laundry Det, Oxi Clean Dish Det, Stain Remover, Spray

$1 UP WYB 2 L 2
2/$4 Toblerone, Andes, Whoppers

$1 UP WYB 2 L 3
2/$7 Hershey's Bliss ? size

$3 UP L 2
$3.50 Colgate TP Maxfresh, Sensitive, Optic White, Total Advanced Total .50/1

$4 UP WYB $12 L 4 MONTHLY
$6 Dove Body Wash, Dove or Men + Care Bar Soap/BW?

$1 UP WYB L 2
$4.99 Keri Lotion/Bath Oil $3/1 MC advertised

$1 UP WYB 2 L 3
2/$6 Cheez It, Fritos, Cheerios, Munchies, Nabisco, Pepperidge Farm Cookies,
Original Gourmet Butter Cookies, Planters Peanuts

$1 UP WYB 4 L 2
4/$4 Gatorade, Aquafina, Kickstart, Litpon Tea 1L

Thx misspt/sd
In Store Promos Deals
Rite Aid 10/19 - 10/25 (free Puracyn foot wash, Tresemme)
Added on : Thursday October 09th 2014 03:00:07 AM
g: 1 Posted By: MrVietnam
Views: 828 Replies: 4 Rite Aid 10/19-10/25

3/$9.99 with $1UP L2 COKE 12 packs

40% off L'Oreal Cosmetics with $5 WYB $20 MONTHLY ongoing L4

3/$9 GM Cereals and BUY 3 GET $3 OFF 1 Gallon of Milk (This is an IN-AD)

$3 UP WYB $12 Halloween Candy L 2
$5 Hershey's Reese's Mars M&M's or Nestle Big Bags
RA "Gusset???" Bags
$3 Reese's or Hershey's Snack Size Candy Bags
$7 Charms Candy Carnival, Tootsie Child's Play, Mike/Ike Variety Pack, Wrigleys Astd

$3 UP WYB $12 L 2 2/$6 Lindor/Lindt Premium Candy Pouches
(this is part of a MONTHLY deal)

3/$9.99 7 UP and 7UP Products 12 pk with $1 UP L 2

$2.99 Nestle Pure Life Water 24 pk

$2 Up L 2? Mucinex Fast max or Sinus Max or Hot tea $10.99

$2 UP L 1 Correctol $5 Adv Price (5mg/50ct?) $3/1 MC in most sunday papers

$1 UP L 1 Coricidin HBP $5.99 with $3/1 MC in most Sunday papers

$3 UP L 2 Nexium 24hr 28 ct $18.44 advertised price

$2 Up L 3? Aleve Caplets/tablets 200ct Bayer Aspirin 300ct $13.99

$3 Up WYB 2 L 2 Aleve 50ct, Bayer 50ct+ 2/$13

$2 In-Ad Pepto Bismol Max Strength 12 oz, Reg Strength 18?oz Children's chews 24ct

$3 Up Men's Women's One-A-Day $8.99 adv price
Men's/Women's 140ct? 50+ ?ct, Pro Edge 50?ct
Active Metabolism 54?ct, Energy, Petites and Vitacraves

$2 WYB 2 L 1 BO50% Estroven/AZO/i-Cool or Brainstrong

$20 Up WYB Omron BP Monitors Model-specific and unreadable L2?

$2 In-Ad L'Oreal Colour Expert, Healthy Look, Highlighting Kit or Elnett Hair Spray
(Has Sunday Paper MC advertisement, fuzzy, but appears to be $2/1)

$1 In-Ad L'Oreal Preference or Mousse AbsolueHair Color

$2 UP WYB $6 Suave L 4 MONTHLY(includes Suave hair and BW)

$8 UP WYB $20 L2 BO50% All Garnier Skin Care

$7 UP WYB $15?? L3 Cetaphil Skin Care

$3 Up WYB 2 L 4 MONTHLY
BO50% Jergens, Curel or Biore Skin Care Products

$1 In-Ad All Clean & Clear and Lubriderm 16oz

$1.99 Softsoap Liquid Hand Soap 7.5 oz
Zest or Coast Bar Soap 2?pack
Zest Body Wash

$1 UP WYB 2 L2
2/$4 Dial Liquid Hand Soap 7.5oz
Tone Bar Soap 2 pk
Dial Bar Soap 2/3?

$2 UP L 3? Simple Cleansers $4.99 adv price

40% off WNW Cosmetics $1/1 MC in Most Sunday Papers

$10 WYB $15 Physicians' Formula Face and Eye

$5 WYB $10 Artificial Nails and Lashes L 2

$7 Up WYB $15 Neutrogena Cosmetics L 2

2/$5 Babylips (Maybelline)

$3 UP WYB 2 L 2
2/$8 Tresemme Shampoo or Conditioner/Stylers

$3 UP WYB 2 L 2
2/$10 Tresemme Premium Shampoo or Conditioner/Select Stylers

$10 up L1 $10 Puracyn foot wash

$10 UP L1
RePHresh and Replens Feminine Care Product

$10 UP L1? DNA paternity test kits, SpermCheck Fertility Kit, or Gender Prediction Kit

$5 UP L 2 $13.99 Trojan Condoms 10-32 ct Exc Natural? 10ct?)

$2 UP WYB 2 L 2 Oxytrol 4 ct or Kegel Exercisers

$5 L2 Trojan Lubricants

$4 UP WYB 2 L2
BO50% KY Entire line

$5 UP WYB 2 L 2
BO50% RA Gloves and Mask

$1.50 UP WYB 2 L 2
2/$3.50 Crest TP and Oral B TB Indicator 1ct

$1.50 UP L 2
$6.99 Always Infinity 24-36 ct, Ultra Thin Jumbo Pack 36-44ct
Pantiliners 100ct?+, Tampax Pearl Tampons 32-50ct?

$5 WYB $20 L 4 MONTHLY
$3.99 RA Pediatric Electrolytes

$2 UP L 2
$10.99 Gillette ProGlide Flex Ball Razor

In-Ad NO Denomination noted in this ad, for Gillette Select Disposable Razors 2-12ct

$2 In-Ad Schick Disposable or Shave Preps (Edge Shave Gel)

$4 In-Ad for Schick Cartridges

$3 Up WYB $10 L 2 (MONTHLY)
2/$5 Lysol All Purpose Cleaners Liquid 40oz, Sprays 22 or 32 oz,
Toilet Bowl Cleaner 24 oz or Wipes 35 ct

$5 Up WYB 2 L 3
BO50% GE CFL bulbs 1ct, Halogen 2pk

$2 UP WYB 2 L?
$4.99 Glade Lasting Impressions Refills, Plugins Scented Oil 2pk,
Auto Spray Refill 6.2oz?

$5 UP WYB $15 MONTHLY
2/$6 Xtra Laundry Det, Nice 'n Fluffy Softener, Palmolive 25 oz

$2 Up 50' Pocket Hose or Slip Stone Frying Pan $19.99

$2 UP Sandisk SD cards and flashdrives (many at 75% off clearance might count)
advertised 25% off L 2

There are some GC UP reward deals for Google Play, Xbox Live, Green Dot and American Express Secure Pay no coupons for fees.
Health & Beauty Deals
g: 0 Posted By: ganeshwar
Views: 114 Replies: 1 http://www.ftc.gov/enforcement/cases-proceedings/refunds/att-mob... Mobility, LLC, has agreed to settle allegations that it charged mobile customers without their permission for third-party services like ringtones, wallpapers, and text message subscriptions for horoscopes, flirting tips, and celebrity gossip. Current and former AT&T customers who paid for unauthorized third-party charges after January 1, 2009 may apply for refundsThe FTC has hired Epiq Systems to process refund requests for this case. You should not expect to receive your refund for at least 9 months.
Discussion Deals
London Black Leather High Top Studded Sneaker crafted in supple leather with all over soft round stud detail, offers a modern twist to the classic high-top for a polished sport luxe look. Featuring tab zip at heel counter with gold lame leather gusset, gold tone stud detail and logo metal plaque, double front zip tab closure and black rubber sole. Signature box and dust bag included. Made in Italy.
g: 0 Posted By: DaysFan
Views: 189 Replies: 0 code: KS50SAVE
http://www.onestopplus.com/Promo Code: KS50SAVE, 50% off your entire order. Does not apply to Clearance, Shoes or items that ship directly from the manufacturer. Not applicable on purchases from PlusSizeLiving, eBags, non-KingSize items on OneStopPlus.com, or The Sportsman's Guide. Not redeemable for cash or applicable to prior purchases. Cannot be combined with other offers. Expires 10/09/14 at 03:00 AM, ET
Clothing Deals

One Stop Plus Coupons
g: 0 Posted By: ctgolfer
Views: 130 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/390888742974
Health Deals

eBay Coupons
g: 0 Posted By: unit9174
Views: 65 Replies: 1 I am posting this in FWF rather than FWOA because I think there are some financial issues (ex, laws requiring a merchant to refund small value GCs, expiration of GCs, etc)

As most regular FW members know, office supply stores and drugstores occasionally offer 100% back in rewards on purchases. (ex buy batteries at OD for $7.99 and earn $7.99 Worklife Rewards card or purchase a $5 item at Walgreens and earn $5 in Register Rewards)

I am an Amazon Marketplace (and occasional eBay) seller and over time have acquired certain items I should not have bought and was ultimately planning on dumping a good portion (possibly in 0.99 no reserve auctions) but would like to make back as much of what I got put in plus other overhead like storage unit costs.

As some portion is likely to be hard to sell online, one idea I had was to offer (possibly through a flyer distribution in my area) items for sale at original price with 100% back in rewards, possibly subject to social media activity (ex. like us on FB or twitter). That is, i'd prefer to make the original sale in cash and then give a promotional credit similar to Worklife or Register Rewards. It is preferable that original sale takes place directly so buyer would have to pay in cash and can't receive and spend rewards and later file CB on original purchase were I to take Paypal on original purchase.

My concerns are that some states have laws not allowing GCs to expire and allowing people to cash out their gift cards. I am in Texas. Is there any way to doing so could create a nexus in another state (ex. buyer from CA is staying with family here, buys items, receives GC from me, returns home and claims since I provided GC to CA resident and since I offer items for sale with shipping to CA, I must honor CA GC law and refund amount of GC) or even if not any law that would prohibit the GC from expiring if not used or prevent blackout dates, if the buyer were notified before making the purchase? Any other potential legal issues?

BTW, has California Civil Code Section 1749.5 (d)(1) "Gift certificates that are distributed by the issuer to a consumer pursuant to an awards, loyalty, or promotional program without any money or other thing of value being given in exchange for the gift certificate by the consumer." ever been challenged as every loyalty program requires purchases to earn rewards, hence rewards would never be given "without any money or other thing of value being given" to the merchant/operator of the loyalty program?
Discussion Deals
The $1,000 Pill That Could Cripple the VAs Budget
Added on : Wednesday October 08th 2014 05:00:14 AM
g: 0 Posted By: SangioveseW
Views: 38 Replies: 0 CNBC article: http://www.cnbc.com/id/102070424?trknav=homestack:topnews:6

A few quotes:

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

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

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

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

Although Gilead and the VA negotiated down the price of a tablet from $1,000 to $543, according to one source, the long-term cost of Sovaldi to the VA could be staggering and will eclipse the treatment costs of most other diseases, including cancer.Federal and state officials, for example, likely will be able to negotiate big discounts with the drug manufacturers or establish clinical protocols that limit the number of people eligible for treatment."Now that's a valid point," Salo added. "But the concern a lot of my members have is that they don't actually think those types of protocols, while they are certainly medically justified, are going to get upheld in the courts."Salo said he could imagine the courts bowing to pressure from the Centers for Disease Control and other public health advocates who say, "This is a communicable infectious disease and it is unconscionable not to cover everyone."
Discussion Deals
Stila Best of Black Holiday Gift Set - $55.20 AC + FS @ Stila
Added on : Wednesday October 08th 2014 04:00:08 AM
g: 0 Posted By: st4rdust
Views: 128 Replies: 0 Stila has their Best of Black Holiday Gift Set on sale for $69.00 - coupon code "WELCOME" =$55.20.

Includes:

Jewel Eye Shadow - Black Diamond (smoky, shimmery black)
Smudge Stick Waterproof Eye Liner - Stingray (jet black)
Stay All Day Waterproof Liquid Eye Liner - Intense Black (jet black)
Major Major Mascara (jet black)
Pave & White Gold Pyramid Bracelet by BaubleBar
$10.00 BaubleBar.com Gift Card
White Gold Gusset Clutch

Beauty Deals

Stila Cosmetics Coupons
The North Face Freedom Shell Pants - Men's $64.73 Fs Rei Dotd
Added on : Tuesday October 07th 2014 09:00:03 PM
g: 0 Posted By: tedhawkins
Views: 113 Replies: 0 the north face Freedom Shell Pants - Men's $64.73 Fs REI Dotd

http://www.rei.com/product/873649/the-north-face-freedom-shell-p...

2-layer HyVent shell pants are waterproof, windproof and breathable; seams are sealed to prevent moisture from seeping through
Chimney Venting design uses StretchVent gaiters and zippered outer thigh vents with mesh gussets to let you control airflow and your comfort
Shell pants have a relaxed fit with articulated knees? for excellent freedom of movement
Rip-and-stick? tabs on waistband adjust the fit; zippered, snap-closure fly
Zippered handwarmer pockets; single, roomy cargo pocket
the north face Freedom Shell Pants feature reinforced cuffs that resist abrasion from boots, boards and skis
Closeout
Clothing Deals

REI Coupons
2014 Mustang instead of 2015
Added on : Tuesday October 07th 2014 08:00:11 AM
g: 0 Posted By: itsmeprinceus
Views: 90 Replies: 1 Hi Guys,

I am planning to buy a 2014 Mustang as there is a $4000 incentive on the new 2014's as 2015's are releasing end of this month.

I would like to know how to find out the invoice price of the car so I can get the best deal. The best price I got so far is $23,500 Out the door for a V6 with a good package. I can get a BASE BASE car nothing auto in it (including seats) I would get it for $20,500 OTD.

How can I know I am getting the best price ?

Discussion Deals
Groupon Voucher Class Action Settlement
Added on : Tuesday October 07th 2014 05:00:10 AM
g: 0 Posted By: wonderwoman1978fl
Views: 95 Replies: 0 Just called Groupon to ask about some super old vouchers that I never used. Found out vouchers purchased from Nov. 1, 2008 and Dec. 1 2011 can receive a refund for expired vouchers. I asked the rep can she look my old vouchers and tell me which ones fell into that time frame and I had 4 of them. The rep said I could call 1-800-5891256 or go to grouponvouchersettlement.com

Discussion Deals
g: 0 Posted By: DaysFan
Views: 164 Replies: 1 Terry Velour Hooded Maxi Robe
linked
http://www.kingsizedirect.com/Item #: 1177-76146-1152Nothing says comfort like 100% cotton plush terry velour.Our terry hooded velour robe is so soft it's like a walk-around blanket!

full hooded robe with a roomy big and tall fit
57" length in Big and 60" in Tall for a true "maxi" fit
classic robe collar
full-length sleeves
two front patch pockets
double belt loops and self belt
inside locker loop to hang up robe
100% soft cotton
machine wash; importedMens hooded robe in sizes XL/2XL, 3XL/4XL, 5XL/6XL, 7XL/8XL, 9XL/10XL, LT/XLT, 2XLT/3XLT, 4XLT/5XLT, 6XLT/7XLTRead more:Our maxi robe is long enough to help you through chilly fall and winter nights, and even has a hood and deep pockets for extra warmth. Throw on some slippersto run out and get the paper in the morning, or put it on in the evening to relax in bed. This roomy maxi robe is perfect for after the shower, lounging around the house, or even sleeping! Watch TV, read a book, have a cup of tea - no matter what you're doing, you're sure to be comfortable. In fact, the worst part about this robe is taking it off!Reasons to Buy:Our customers say they love to wear this robe lounging around the house and at bedtime. They love how soft and warm it is, plus they love the large selection of rich, dark-hued colors we offer this robe in!

Promo Code: KSEI40, 40% off highest priced item + FREE returns.

Returned items will be credited at discounted price. Not applicable to gift cards or prior purchases. CANNOT BE COMBINED WITH OTHER OFFERS or redeemed for cash. Excludes PlusSizeLiving, eBags, non-KingSize items on OneStopPlus.com, Clearance, Shoes, Sports Fan Shop, The Sportsman's Guide, and items that ship directly from the manufacturer. Applies to merchandise total.
Expires 10/30/14 at 11:59pm ET
Clothing Deals
g: 0 Posted By: Kariput
Views: 237 Replies: 3 Why wear a girly watch when you can have this beast on your wrist? Everybody will know that you know what time it is! The case measures 52 mm -- that's more than 2 inches across! Heck, it can probably even double as a flask for your favorite beverage with the canteen style crown. Be the envy of your watch challenged friends and colleagues!

On sale right now for $59.99. MSRP is somewhat exaggerated at $595.00

Hurry, sale ends at 7:00 PM Eastern time.

EDIT: If the price doesn't show as $59.99 for you, apply code CBD106274


Invicta Russian Diver
Watches Deals

World of Watches Coupons
g: 0 Posted By: Farfisa850
Views: 160 Replies: 0 http://www.ebay.com/itm/New-Chrome-Commercial-6-Layer-Shelf-Adju...

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
Home & Garden Deals

eBay Coupons
$19.99 any size Essential Home Microfiber Comforters @kmart.com
Added on : Monday October 06th 2014 09:00:03 AM
g: 0 Posted By: DaysFan
Views: 59 Replies: 0 Essential Home ComforterslinkedEssential Home microfiber comforter set - Soft FloralEssential Home microfiber comforter set-LatticeEssential Home microfiber comforter set - Brushed Stripeetc.
Bedding Deals

Kmart.com Coupons
What cost you the most money this year?
Added on : Monday October 06th 2014 08:00:11 AM
g: 0 Posted By: wfay
Views: 19 Replies: 0 In the same spirit as this thread(but the opposite)...what cost you the most money this year??
Discussion Deals
g: 1 Posted By: Farfisa850
Views: 231 Replies: 0 http://www.rei.com/product/878761/the-north-face-cipher-jacket-w...

Gore Windstopper has a durable water repellent? finish that beads up light rain and snow so it rolls off
Side panels are made of TNF Apex Aerobic, a breathable polyester blend with added stretch
Underarm gussets further ensure full mobility
the north face Cipher Jacket for women features 2 zippered hand pockets
Closeout

Please note: the north face products can only be shipped to U.S. addresses.

Imported.

Item 878761
Clothing Deals

REI Coupons
$10 Cash or $15 in Red Bull for Class Action Settlement
Added on : Monday October 06th 2014 04:00:05 AM
g: 2 Posted By: prezb11
Views: 88 Replies: 1 Overview Of The Proposed SettlementBenjamin Careathers v. Red Bull North America, Inc., Case No. 1:13-CV-00369 (KPF)
Wolf, et al. v. Red Bull GmbH, et al., Case No. 1:13-CV-08008 (KPF)This settlement addresses two consumer class action lawsuits currently consolidated and pending in the United States District Court for the Southern District of New York: (1) Benjamin Careathers v. Red Bull North America, Inc., Case No. 1:13-CV-00369 (KPF); and (2) Wolf et al. v. Red Bull GmbH, et al,. Case No. 1:13-CV-08008 (KPF). The consumers who brought these lawsuits as class representatives, Benjamin Careathers, David Wolf, and Miguel Almaraz, are called the Plaintiffs, and the company they sued, Red Bull, is called the Defendant.Plaintiffs brought these lawsuits, alleging that Red Bulls marketing and labeling misrepresents both the functionality and safety of Red Bull beverages. Plaintiffs made claims against Red Bull for breach of express warranty, unjust enrichment, and violations of various states consumer protection statutes. Red Bull denies any and all wrongdoing or liability and maintains that its marketing and labeling have always been entirely truthful and accurate

CHOOSE YOUR SETTLEMENT BENEFIT:

Cash reimbursement of $10.00.

OR

Free Red Bull products with a retail value of approximately $15.00.
The Red Bull products selected on the Claim Form will be shipped by Red Bull directly to Class Members at Red Bulls cost.
1. Red Bull Energy Drink
2. Red Bull Sugarfree

Eligibility
Under penalty of perjury in accordance with 28 U.S.C. 1746
(1) I bought one or more Red Bull beverages (Red Bull Energy Drink, Red Bull Sugarfree, Red Bull Total Zero, or Red Bull Editions) in the United States between January 1, 2002 and October 3, 2014
(2) I did not purchase such Red Bull beverages for purposes of resale
(3) I am not an employee, officer, director, agent, or representative of Red Bull North America, Inc. or any of its corporate affiliates, or a distributor, wholesaler, retailer, or licensor of Red Bull products
and (4) All of the information on this Claim Form is true and correct to the best of my knowledge.

Link to form
http://rdb.gcg-dev.com/index

Discussion Deals
Lancome Gift with purchase Dillards.com
Added on : Sunday October 05th 2014 02:00:03 PM
g: 0 Posted By: DaysFan
Views: 73 Replies: 0 http://www.dillards.com

http://www.dillards.com/images/endeca/banners/100514banner_b_lancome_gwp_graphic_stepup.jpg

Lancome Fall Bonus
As your gift with any Lancome purchase of $35 receive:

Your Choice of Grey or Purple bag
Your Choice of Visionnaire or Genifique serum
Your Choice of Eye & Night Moisturizer Duo in Renergie Eye & Renergie Night or Absolue Eye & Absolue Night or Genifique Eye & Bienfait Night
Your Choice of Face or Eye Look Duo: La Base Pro & Blush Subtil in Shimmer Mocha Havanna or Definicils Mascara In Black & Color Design 5 Pan Eye Shadow Palette In Coral Crush
Bi-facil Eye Makeup Remover


Limit one per customer please, while supplies last.


Lancome Fall Bonus Step Up
With your Lancome purchase of $70 or more you will also receive:

Your choice of moisutrizer: Renergie Multi Lift SPF15 or Bienfait Multi Vital Cream SPF 30 or Absolue Premium BX Cream
Your choice of cleanser: Creme Mousse Confort or Creme Radiance
Your choice of Color Design Lipstick in: Curtain Call or Groupie or Oh My

Limit one per customer please, while supplies last.
Health & Beauty Deals
g: 0 Posted By: Farfisa850
Views: 0 Replies: 0 http://www.musiciansfriend.com/stupid?icid=206243

Features
Neck
Shape: C
Wood: Maple
Joint: Info not available
Scale length: 34"
Truss rod: Standard
Finish: Gloss polyester
Pickups
Active or passive: Passive
Layout: HH
Neck: Not applicable
Middle: Modern Player Humbucking Jazz Bass
Bridge: Modern Player Humbucking Jazz Bass
Brand: Fender
Series or parallel: parallel
Active preamp: Not applicable
Special electronics: Not applicable
Fretboard
Material: Rosewood
Radius: 9.5"
Fret size: Jumbo
Number of frets: 20
Inlays: Dot
Nut width: 1.5" (38.1mm)
Neck width at 12 fret: Info not available
Body
Style: Double cutaway
Construction: Solidbody
Body material: Solid wood
Body wood: Alder
Top wood: Not applicable
Body finish: Gloss polyester
Orientation: Right handed
Controls
Control layout: Volume 1, volume 2, master tone
Pickup switch: Not applicable
Coil tap or split: Not appicable
Kill switch: Not applicable
Hardware
Bridge type: Fixed
Bridge design: 4-Saddle vintage-style with brass saddles
Tailpiece: Not applicable
Tuning machines: Open-geared
Color: Nickel/chrome
Other
Number of strings: 4
Special features: no
Case: Sold separately
Accessories: Info not available
Country of origin: USA
bankruptcy/new home mortgage
Added on : Sunday October 05th 2014 09:00:25 AM
g: 0 Posted By: bloketion
Views: 19 Replies: 0 had auto accident and due to judgement from bill(s) am in process of chapter 7 bc of judgement lien placed on current home..am looking to purchase another home that is currently handicapped/wheelchair accessible or would require minimal costs to renovate to accomplish that; my current home is 100 yrs old and renovation cost are hightrying to get insurance to invest reno costs into purchase of another home, but if they don't fully pay for the home will have to finance the balancesubstantial $ down, prob 80%, but how unrealistic is it of me to be able to fund mortgage company to finance the remainder

Discussion Deals
Selling rewards points creates capital gains?
Added on : Sunday October 05th 2014 07:00:13 AM
g: 0 Posted By: CreditCrunch
Views: 91 Replies: 3 I have about 300k in credit card points with a cash rebate value of 1c per point. However, I regularly get quoted 1.5c from a third party willing to buy. I am certain rebates are free from income tax, but if I go this route, do you think the proceeds above the rebate value should be taxed at the appropriate capital gains rates?
Discussion Deals
g: 0 Posted By: DaysFan
Views: 177 Replies: 0 http://www1.bloomingdales.com/shop/product/gift-with-any-4250-lancome-purchase?ID=1121160&CategoryID=6864&brandIndex=1#pdp_tabslinkedhttp://assets.bloomingdales.com/navapp/dyn_img/cat_splash/Lancome_GWP_Main_Sept29_FA14_1004290.jpg

Receive an 8-piece giftincluding your choice of a Paris-inspired cosmetics bagwith any $42.50 Lancme purchase.

CHOOSE YOUR SERUM:
- Advanced Gnifique
- Visionnaire Advanced Skin Corrector

CHOOSE YOUR DAY MOISTURIZER:
- Rnergie Lift Multi-Action
- Absolue Premium Bx
- Bienfait Multi-Vital SPF 30 Cream

CHOOSE YOUR CLEANSER:
- Crme Radiance Clarifying Cream-to-Foam Cleanser
- Crme Mousse-Confort Foam Cleanser

CHOOSE YOUR MAKEUP LOOK:
- Face: Blush Subtil in Cedar Rose and Color Design Lipstick in Oh La La
- Eyes: 5-Pan Color Design Eye Palette in Kissed by Gold and Dfinicils Mascara in Black

CHOOSE YOUR COSMETICS BAG
- Rose
- Eiffel Tower

RECEIVE BOTH:
- La Base Pro Perfecting Makeup Primer
- Bi-Facil Eye Makeup Remover

Shop the Lancme Boutique

One per customer. While supplies last.
Your gift will be added automatically at checkout with any $42.50 Lancme purchase.
Web ID: 1121163

In the event you return qualifying item(s), please be sure to include the bonus with the return. If you would like to keep the bonus but not the qualifying item(s), your account will be charged for the value of the bonus.
Makeup Deals

Bloomingdales Coupons
Provident Bank SmartChecking: 1.51% APY for upto $15K (no minimum)
Added on : Sunday October 05th 2014 05:00:12 AM
g: 0 Posted By: love4money
Views: 36 Replies: 0 LINKY

Other benefits include:

FREE Online Banking
FREE Provident Debit MasterCard
ATM fee refunds2 nationwide when requirements are met
No monthly fees or minimum balance requirements

Jaydeep
Discussion Deals
Company recalls ground beef sold at HEB after metal complaints
Added on : Sunday October 05th 2014 04:00:06 AM
g: 0 Posted By: MISTERCHEAP
Views: 102 Replies: 0 http://www.cnn.com/2014/10/04/us/texas-meat-recall/index.html?hp...
Discussion Deals
Norton 360 1yr 3pc Get 2 for $9.99 each + 15% cash back
Added on : Saturday October 04th 2014 08:00:07 AM
g: 0 Posted By: russ9
Views: 233 Replies: 3 Norton 360 1yr 3pcs Get 2 for $9.99 each + 15% Cash Back
Go through FW :Linky

Change quantity to 2

codes:GCGN360US40OFF and N360US40OFF


Enjoy!
Software Deals
Marriott to stop jamming personal hotspot data acess
Added on : Saturday October 04th 2014 02:00:05 AM
g: 0 Posted By: DeGlass
Views: 4 Replies: 0 If I'm reading it correctly, we should have unfettered access to our peronsal data plans while staying, or even just attending events, at any Marriott in the US.

http://transition.fcc.gov/Daily_Releases/Daily_Business/2014/db1...

The complainant alleged that the Gaylord Opryland had
used wireless technology to prevent him from using his Wi-Fi mobile hotspot in the hotels conference
center.
...
Specifically, such employees had used this capability to prevent users from connecting to the
Internet via their own personal Wi-Fi networks when these users did not pose a threat to the security of the
Gaylord Opryland network or its guests.
...
Within thirty (30) calendar days after the Effective Date, Marriott
shall establish Operating Procedures designed to ensure that Covered Personnel do not engage in
activities described above in paragraph 6 in violation of the Communications Act, including Section 333,
or the Commissions Rules
...
At the same time that it files each Compliance Report, Marriott
shall identify whether in the preceding three months Marriott has used the containment capability or any
similar functionality or technology described in paragraph 5 above, at any U.S. property Marriott
manages
...
The Termination Date shall be three years after the Effective Date of
this Consent Decree.
Discussion Deals
g: 0 Posted By: fwcompid
Views: 78 Replies: 2 Take the quiz and see how you compared to your fellow Americans...

http://www.pewresearch.org/quiz/the-news-iq-quiz/

Then freak out at the results....
Makes me want to move to Europe

Edit: Result: 11 of 12 Correct - Missed the poverty question
Discussion Deals
Ben can't refi.
Added on : Friday October 03rd 2014 09:00:08 AM
g: 0 Posted By: javaman2003
Views: 54 Replies: 0 Hilarious news Mr.Helicopter cant refi.

Ben bernanke cant refi
Discussion Deals
Diminished Value after accident
Added on : Friday October 03rd 2014 07:00:08 AM
g: 0 Posted By: releasefoobar
Views: 104 Replies: 0 Sorry for starting yet another diminished value thread but i want to clarify my understanding. I'm pretty sure its not worth the time/money to pursue diminished value in my case but i want to make sure.
State: Maryland
Car: 2005 VW Jetta TDI valued at 9k
I was parked on the street in my neighborhood by my house (residential neighborhood in a city). A tractor trailer came through the neighborhood trying to turn around, got stuck, and side swiped my car. Trucks are forbidden in the neighborhood.
Police were called, they refused to do a report because there was no bodily injury and did not issue the truck driver a citation for being where he shouldn't have been
We got all of his information for the truck and trailer plus his license
We spent several weeks calling to try to file a claim but the truck and trailer had different insurances, and were both rented by different companies and then rented again by a third company, the end result was no one would take our claim and pointed to another company to call. After a month of trying, I called my insurance company, explained the issue, and they suggested that at this point i should file with them (my own insurance), get the car fixed, and they will pursue the driver for the damage.
Fast forward a few months. My car is fixed and the bill was 3k.
My understanding is that if i want to pursue diminished value i would have to sue the truck driver directly instead of requesting it from my insurance company or whatever company ultimately ends up paying the claim? It is also my understanding that the car is too old to bother with diminished value?
Discussion Deals
Secret recordings from Inside the Fed - How will it affect the future?
Added on : Friday October 03rd 2014 06:00:13 AM
g: 0 Posted By: faloun
Views: 27 Replies: 0 I was really surprised there wasn't already a thread on this. A former Fed examiner, hired in after the 2008 financial crisis, becomes so dismayed by what she sees that she begins secretly recording conversations and meetings at the Fed. The article and/or radio show raise very serious concerns about the Fed's ability to regulate banks, showing instead a culture that's overly cautious and defers judgement to the banks they are supposed to regulate. It shows a culture rife with regulatory capture that puts so much emphasis on consensus building that findings are consistently watered down. In the words of one examiner, the Fed is"this giant Titanic, slow to move." It also references the Beim Report, an extraordinarily candid report about the inner workings of the Fed following the 2008 crisis, which was never intended to be viewed by the public and got surprisingly little coverage when it was leaked.

My question to you, fellow FWF's, is what do you think this means for the future of the Federal Reserve, and the financial industry as a whole?

Article on Propublica:
http://www.propublica.org/article/carmen-segarras-secret-recordings-from-inside-new-york-fed

NPR Story:
http://www.thisamericanlife.org/radio-archives/episode/536/the-secret-recordings-of-carmen-segarra

Beim Report:
http://www.propublica.org/documents/item/1303305-2009-08-18-frbn...
Discussion Deals
UPDATE to recent Top Cashback/Virgin Mobile Hot Deal (make $20 cb )
Added on : Friday October 03rd 2014 05:00:06 AM
g: 1 Posted By: MISTERCHEAP
Views: 117 Replies: 0
Hello,I hope you dont mind, but we needed to get in touch with you, so we have created a support ticket in your TopCashback Account.Our message is shown below, if you need to reply, please log in and send us a message by visiting the support section.Information about your Virgin Mobile transaction

Hi there,

We just wanted to reach out with a bit of information about the recent Virgin Mobile offer of "$35 on an $11.99 handset over the weekend of 9/19 through 9/22.

This week, we have been in discussion with Virgin Mobile and their agents regarding this issue. Although we placed their offer correctly on our site and despite repeated requests, Virgin have informed us that they will not pay out CashBack on your order unless the handset is activated. However, we don't feel that this is fair to our members and I am pleased to tell you that, in line with our fair play policy, TopCashback will honour the offer displayed on our site.

As long as the transaction has tracked to your TopCashback account, we will make the $35 payable within the next 2-3 weeks.

To be clear, if you do decide to activate the handset, TopCashback will receive the $35 from Virgin rather than paying for this ourselves, but whatever you decide to do with the handset, you will receive the full amount of CashBack you expected.

We are however aware that some transactions have not appeared at all. If your transaction hasnt tracked, Im afraid wed only be able to honor this CashBack if you can provide us with proof of activation. Similarly, if you have made multiple transactions we can only offer on the initial one.

This is an unfortunate situation and we are very sorry for any confusion and inconvenience this may have caused.

Many thanks,
TopCashback Support
Snap by Groupon - new grocery rebate app
Added on : Friday October 03rd 2014 04:00:09 AM
g: 1 Posted By: briarycliffs
Views: 165 Replies: 1 http://snap.groupon.com/

Has great intro offers including $1 off gallon milk, $1 off any bread, $2 on Huggies wipes. Also earn $1 on each friend referral who redeems an offer.
Discussion Deals
Partnership scenario...
Added on : Friday October 03rd 2014 01:00:07 AM
g: 0 Posted By: Patieboy40
Views: 40 Replies: 0 Hi all -

Thought the FW community might be a good place to ask this. Opening a business with a partner , who will be hands off. It's a franchise. He's putting up 75% of the capital and 75% of the monthly overhead. Comes out to about $80K over the first year compared to my 25K. He'll get paid back first -- up to 75% of the revenue until payback which we anticipate will happen sometime around month 18.

At that point, he becomes a 15% owner of the business. We're trying to decide if this is the best approach or , should his addition cash contributions (above mine) be considered a note loan, etc.

Anyone have any experience in this type of agreement ? It's a very time consuming business - will be 50-60 hour weeks for at least the first few years.

Thanks!
Discussion Deals
Norton 360 $9.99 3 users/1year no rebate
Added on : Thursday October 02nd 2014 12:00:06 PM
g: 0 Posted By: russ9
Views: 173 Replies: 1 $80 Off Symantec Norton 360 2014 (1 Year/3 PCs) Now Only $9.99
Symantec Norton 360 2014(


Use the following codes:

$40 OffN360US40OFF
$40 OffSVNGSN360US40OFF
Software Deals
Faster Check and Debit Posting at Wells Fargo Bank
Added on : Thursday October 02nd 2014 08:00:31 AM
g: 0 Posted By: burgerwars
Views: 292 Replies: 7 Wells Fargo sent me a notice about items clearing faster, but recently it has started to happen. It used to be on my checking account, debit items (except debit card) only showed the morning after they cleared. Now they're showing throughout the day. If a check or debit item cleared during the day, it shows immediately with the item marked as pending and the amount deducted from my balance. This gives the bank more of an opportunity to lower your balance below a service charge threshold, or overdraw your account. More fees your bank can get at.
Discussion Deals
Missing Sticky Topics
Added on : Thursday October 02nd 2014 08:00:27 AM
g: 0 Posted By: AZpennypincher
Views: 103 Replies: 0 Is anyone else missing stickied threads? For instance, I can find the thread on the BOA Better Balance Rewards card by searching. I have it as a sticky but it's not there as one of my stickied threads. I've tried re-setting it, cleaned cache and cookies, all the usual things but it's still missing as a sticky.

Other stickied threads still show properly.


Discussion Deals
Revised PUBLIX Coupon policy, issued 10/1/14
Added on : Thursday October 02nd 2014 07:02:32 AM
g: 1 Posted By: MISTERCHEAP
Views: 65 Replies: 4 http://www.publix.com/savings/coupons/coupon-policy
Discussion Deals
Rite Aid 10/26 - 11/1
Added on : Thursday October 02nd 2014 07:02:31 AM
g: 1 Posted By: MrVietnam
Views: 49 Replies: 0 Rite Aid 10/26-11/1
This is new month of monthly deals, if you see MONTHLY DEAL it indicates a NOVEMBER monthly deal.

$10 UP WYB $30 L1
P&G BO50% Covergirl
BO50% Olay, Ivory, Safequard Skin and Bathcare
2/$8 Secret Outlast/ScExp/Natl Min/FrshEff
Gillette 2.6-4oz, OS Redzone, Wild or Fresh Collections AP/Deo
2/$8 Pantene Sh/Con/Sty (adv $4/2 MC in Sunday Paper)
$7.99 Vicks Nyquil or DayQuil (adv $1 MC in Sunday Paper)
$9.94 Bounty/Charmin/Basic
$5.94 Tide ($2/1 adv in Sunday Paper)
$10.99 Duracell big packs
$8.99 Pampers Jumbo Pk $2 off WYB both diapers/wipes
$5.99 Pampers Baby Wipes 100-216ct
$3.99 Always Radiance Infinity Maxi Pads 12-?ct Tampax Radiant ?ct $1 MC advertised
$3.00 Crest TP 3D White, Oral B 3d White, ProHealth or Complete Manual TB .50/1 MC Advertised
Gillette Styler, ProGlide, Fusion Body, Mach3, Venus Refills, Shave Preps, Fusion
$10.99 Gillette ProGlide, Flex Ball Razor, Gillette Razor (Advertises $3 UP L 2 and $3 MC advertised)
2/$10 Clairol Nice 'n Easy Root Touch Hair Color $5/2 MC advertised

$5 UP WYB $15 L 2
L'Oreal Haircolor $1 In-Ad
L'Oreal Pref Mousse Absolue HC $14.99 with $1 In-Ad $3 MC advertised
2/$8 L'Oreal Adv Sh/Cond/Sty $3/2 MC advertised

$1 UP L 2
Marc Anthony Shampoo, Conditioner, Stylers
Organix Hair Care or Bath or FX Stylers

$3 UP WYB 2 L 2
BO50% JF Sh/Cond/Sty/Tx

$10 UP WYB $?? (Completely unreadable 50?) L 2
Conair Dryers, Straighteners, Curling Irons, Hot Rollers, Hair Cut Kits or Shavers

$10 UP WYB $20 L 2
Nexxus Sh/Con/Sty
Toni & Guy Haircare

$10 UP WYB $30 L 2 MONTHLY
BO50% L'Oreal Skincare

$5 UP WYB $15 L 2
ALL Burts Bees, Gud Skin, Bath or Lip Care

$10 UP WYB $15 L 2
Physicians Formula All Cosmetics

$5 UP WYB $20 L 2 or 3?
BO50% Sally Hansen Cosmetics (excludes bleaches/depil)

$1 UP WYB 2 L 2
2/$7 Softsoap or Irish Spring Body Wash
Softsoap Liquid Handsoap

$3 Up WYB 2 L 4 MONTHLY
2/$9 weekly Axe AP/Deo, Spray, Shower Gel, Shampoo,
Shave Gel, Face Wash

$2 UP L 2
$7.99 Secret or Gillette Clinical AP/Deo $2 MC advertised

$1 UP L 2
$2.99 Speed Stick or Lady Speed Stick AP/Deo .50/1 MC advertised

$15.00 UP L 2
Crest 3d White Whitestrips $7 MC advertised

$3 UP L 2
$12.99 Colgate Optic White TB with Whitening Pen

$4 UP L 2
$23.99 Allegra and Claritin Allergy products

$2 UP L 3?
$6.99 Mucinex Hot Tea Cold Relief

$1 UP WYB 2 L 2?
2/$4 Halls Cough Drops

$4 UP WYB 2 L 2
2/$49 Prilosec OTC 42ct, with $6/2 MC advertised

$1 UP L 3?
$16.99 Metamucil, NetaBiotic Probiotic $1 MC advertised

$2 UP L3?
$19.99 Miralax $5 MC advertised

$3 UP L 2 or 3?
$19.99 Prevacid 28 ct Benefiber Powder 125 doses

$1 UP L 2
$3.99 Tums Antacid 50-150ct

$2 UP L 2
$14.99 Renu MultiPurpose Solution Twin Pack

$3 UP L 2 Clear Care, Opti Free Pure Moist, Replenish and Express

$1 UP L 2
$9.99 Sarna Anti Itch Lotion $2 MC advertised

$2 UP L 2 or 3?
Excedrin 100 ct 9.99

$4 In -Ad Bayer Aspirin, Aleve, Phillips Colon Health Probiotics Trubiotic (big counts)

$6 UP L 2
One A Day Women's or Men's, Citracal, Flintstones

$4 UP L2
$5.99 Nature Made Vitamelts

$1 UP L 2
$18.99 Huggies Big Pack Diapers

$2 UP WYB $8 L 2
2/$4 Nivea For Men Shave Gel/Foam/Creme $2/2 MC advertised
$4.99 Nivea for Men Balm, Splash, Face Wash, Scrub, Daily Prot Face Lotion $2/1 MC

$2 UP WYB 2 L 2
2/$6 Listerine Mouthwash 250 mL, Pocket Paks, Total Care & Listerine Floss or Dentotape

$2 UP WYB 2 L 2
2/$12 Kotex Maxi Pads 28-44ct, Lightday Pantiliners, Poise Pads 20-22 ct

$2 UP WYB $2 L 4
2/$8 A&H Laundry Det, Oxi Clean Dish Det, Stain Remover, Spray

$1 UP WYB 2 L 2
2/$4 Toblerone, Andes, Whoppers

$1 UP WYB 2 L 3
2/$7 Hershey's Bliss ? size

$3 UP L 2
$3.50 Colgate TP Maxfresh, Sensitive, Optic White, Total Advanced Total .50/1

$4 UP WYB $12 L 4 MONTHLY
$6 Dove Body Wash, Dove or Men + Care Bar Soap/BW?

$1 UP WYB L 2
$4.99 Keri Lotion/Bath Oil $3/1 MC advertised

$1 UP WYB 2 L 3
2/$6 Cheez It, Fritos, Cheerios, Munchies, Nabisco, Pepperidge Farm Cookies,
Original Gourmet Butter Cookies, Planters Peanuts

$1 UP WYB 4 L 2
4/$4 Gatorade, Aquafina, Kickstart, Litpon Tea 1L

Thx misspt/sd
In Store Promos Deals
Online Only! Today Only!! 40% Off @ Childrens Place & 50% Off Denim & FS
Added on : Tuesday September 30th 2014 11:00:06 AM
g: 0 Posted By: JayMatt19
Views: 168 Replies: 0 http://www.childrensplace.com/webapp/wcs/stores/servlet/en/ussto...


Kids Clothes Deals

The Childrens Place Coupons
SuperValu Reports Second Hacking Incident ... next ...
Added on : Tuesday September 30th 2014 10:00:18 AM
g: 0 Posted By: imanemokid
Views: 99 Replies: 0 SuperValu Reports Second Hacking Incident

August Data Breach Affects Certain Albertsons, Acme, Jewel-Osco and Shaw's Stores

Customer service: (877) 932-7948

HERE star tribuneor HERE cnn

Updated Sept. 29, 2014 8:37 p.m. ET

Supervalu Inc. said Monday it discovered a second data breach into its customer payment system, just weeks after catching one that hit its grocery stores earlier in the summer.

The supermarket operator, which provides technology services to thousands of grocery stores such as Cub Foods and Jewel-Osco, said it found malicious software on some of its check-out systems attempting to capture customer data from customers' credit card or...

The breach could affect Albertsons stores in California, Idaho, Montana, Nevada, North Dakota, Oregon, Utah, Washington and Wyoming; Acme Markets stores in Delaware, Maryland, New Jersey and Pennsylvania; Jewel-Osco stores in Illinois, Indiana and Iowa; and Shaw's and Star Markets stores in Maine, Massachusetts, New Hampshire, Rhode Island and Vermont. The Boise, Idaho-based company has a total of 1,081 stores.
Discussion Deals
g: 2 Posted By: Farfisa850
Views: 130 Replies: 0 http://www.worldmusicsupply.com/guild-ao-5ce-acoustic-electric-g...premium features include a bone nut and saddle, koa rosette, pearl inlays, hand-rubbed stain finish, dual-action truss rod and bolt-on neck construction. Guild lightweight polyfoam case included.

Series: Arcos Series
Body Material: Solid Sitka Spruce Top with Arched Laminated Rosewood Back and Sides
Body Shape: Orchestra
Body Back: Arched Laminated Rosewood
Body Sides: Laminated Rosewood
Body Top: Solid Sitka Spruce
Bracing: Scalloped Sitka Spruce
Rosette: Koa Wood with B/W/B Outer and Inner Rings
Purfling: Black/White/Black
Body Binding: White ABS
Number of Frets: 20
Position Inlays: Pearl Dot
Fingerboard Radius: 12" (305 mm)
Fretboard: Rosewood
Neck Material: Mahogany
Neck Finish: Hand-Rubbed Satin Polyurethane
Nut Width: 1.75" (44.45 mm)
Scale Length: 25.5" (648 mm)
Special Electronics: Fishman Presys Plus, Side-Mounted Preamp with Built-In Electronic Tuner
Hardware Finish: Chrome
Bridge: Rosewood Base
Bridge Pins: Ivory Colored Plastic with Abalone Dots
Tuning Machines: Die-Cast
String Nut: Bone
Pickguard: 1-Ply Black
Strings: Guild L-350C Standard Tension Coated Phosphor Bronze, (.012-.053 Gauges)
Unique Features: Arched laminated rosewood back, koa wood rosette, hand-rubbed satin finish, bolt-on neck construction, gloss top
Case: Deluxe Polyfoam
Made In Mexico

Music Deals
Best site for condo or timeshare rental
Added on : Tuesday September 30th 2014 09:00:20 AM
g: 0 Posted By: petebauer
Views: 36 Replies: 0 I want to go to the Florida keys in January and everything is so high priced. Does anyone know of any sites that would help me find a place to rent. It can be a hotel with a free breakfast or a condo with a kitchen. Thanks, Mary
Discussion Deals
g: 4 Posted By: remick
Views: 344 Replies: 0 http://www.amazon.com/gp/product/B00KWOQ2WE

4.9 out of 5 stars (17 customer reviews)

SCARED OF LIFE? YOU SHOULDNT BE! LEARN HOW POWERFUL YOUR MIND IS.

This book reveals the crippling effects that fear has on you and shows you how to crush them.
Fear is everywhere around us, dictating its requirements to us. We are scared of death, birth, success, failure, weight gain, sickness the list goes on. And what are we happy about? Well being alive, working (maybe), enjoying good health (maybe), savoring a mutually beneficial relationship (maybe), etc. So many maybe on the happy side, and so many certainties on the fear side Let us help you change that equation!

The book contains a helpful Discussion Guide and a sample chapter of sequel 98 Powerful Affirmations to Awake the Inner, Happier You The Complete Law of Happiness, But Simplified. 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.


In this book, you will discover many things, including:
Identify, mitigate, manage or destroy any fear;
Boost your self-esteem; and
Achieve success faster by unleashing your personal potential.

Who will benefit from this book?:
Everyone particularly people who are currently coping with childhood trauma or lifelong phobias, working in the mental-health field, struggling with public speaking, and feeling stuck in their careers or relationships.



also free

Life Coach: Personality Development: A Good Book' Packed with Self Improvement Techniques To Immediately Build Your Confidence & Self Esteem
http://www.amazon.com/gp/product/B00JDMMAP4

Do you want to have more control over your life? Do you want to become more self-aware and more successful at solving your personal problems? Do you want to feel more confident?
If you do, then you should read this remarkable book. Its simple and straightforward. It encourages everyone to take responsibility for themselves and shows how this can be done. Case histories are included, and advice is given on how behaviour patterns can be changed with thought, effort and practice.



When Wisdom Whispers: The Art of Following Your Heart to a Life You Love
http://www.amazon.com/When-Wisdom-Whispers-Following-Heart-ebook...
4.7 out of 5 stars (7 customer reviews)

Let me ask you something:
On a scale from 1-100, how skilled are you at making decisions?
Choices are your lifeblood: they represent the difference between your success story...and just another sob story.
Do you have the happiness and success you desire?
If not, then look no further than your own choices. Instead of making purely "logical" decisions like most people, I want to show you a better way.
When Wisdom Whispers is a beautiful book that talks about the reality of decision making, and how the best choices always come from the heart.
Although very informative, this book is also poetically riveting. You will be on the edge of your seat...you will laugh...you will cry...you will be uplifted, refreshed, and inspired!
The concepts covered in this book are absolutely crucial to living a fulfilling life. Following your heart is no joke. It's not a fantasy. It's not a nicety.
It's REAL. And to show you how real it is, I have included three very serious and incredible stories from my own life that demonstrate just how mysteriously powerful the human heart really is.



Success and Happiness - Quotes to Motivate Inspire & Live by
http://www.amazon.com/Success-Happiness-Quotes-Motivate-Inspire-...
4.4 out of 5 stars (43 customer reviews)

Motivational quotes to follow your conscience. Inspirational quotes to succeed with your integrity and character intact. Quotes organized by real life topics:



Mind Over Money: How to Program Your Mind For Wealth
http://www.amazon.com/Mind-Over-Money-Program-Wealth-ebook/dp/B0...

This simple 30-day training manual will help you change your life in every imaginable way. Discover the little-known secrets of thinking rich in order to finally created financial freedom in your life and avoid the critical mistakes that keep most people trapped in a cycle of money problems.



Dealing with Difficult Parents
http://www.amazon.com/gp/product/B00JEIIVF0/

Do you feel your relationship with your parents could be better?
When you talk to your parents, do you feel like a child again?
Do you find yourself behaving in ways you thought you'd grown out of when you argue with them?
It is hard to talk to them honestly about your life?
This book is for anyone who wants to build a more adult relationship with their parents.
Books Deals

Amazon Coupons
g: 0 Posted By: remick
Views: 97 Replies: 0 http://www.amazon.com/dp/B007S0LTPU/

4.6 out of 5 stars (82 customer reviews)

Master Photo Lighting... Hard Light!

Revised addition!
Here in Volume 7 of the "On Target Photo Training" series we are concerned with hard light and how to shape it to get some pretty stunning results!

For most of us, the sun is our primary light source. Unless it is hidden behind a bank of clouds, it is a hard light source. Learning how to work with hard light is vital to our progression as photographers!

Once you are comfortable with working and shaping hard light, life gets pretty exciting... you can control your viewers emotions at will.

It's when you start putting emotion into your photography that you stop creating "snapshots" and start making "art."
Here is the table of contents to show you SOME of what is included...

Contents

Introduction

Ambient Light

Ambient Light Defined

Light Qualities

Hard Light

Hard Light Defined

Light Quality

Control Viewer Emotions

Light Angles Matter

Photo Exercise 1

Light Shaping

Barn Doors

The Snoot

Making Your Light Bigger

Flags, Dots And Fingers

Cookies and Gobos

Photo Exercise 2

Additional Photo Training

First we review some lighting concepts regarding Ambient light. ambient light can be hard or soft and learning to work with it is vital.

Hard Light: Then we discuss what hard light is and some of the situations where we might find it being used.

Control Viewer Emotions: How hard light is used to elicit and control emotion in our photos.

Light Angles Matter: With hard light, the angle of the light is a key consideration. Shoot at the wrong angle and you could create a portrait that will absolutely be hated... and possibly create an enemy for life.

Shoot at the right angle and you may see your work on the wall of a gallery someday!
Light Shaping - Cookies, Snoots, Flags Fingers & Dots: Do you know what "Flags", "Fingers", "Dots", "Cookies", "Gobos" and "Snoots" are?

You will in an hour or so after getting this volume of the "On Target Photo Training" series. Not only will you know what they are, but you will know how and when to use them!
Totally Free Deals
Black Patent Leather with Rubberized Leather Derby crafted in shiny patent leather with woven textured rubberized leather details, is part of the Elegance Collection that is classically elegant with a modern edge. Featuring single lace with anthracite metal logo, patent leather upper, elasticized gussets, rubberized leather quarter and heel panel, stacked heel and leather sole. Signature dust bag included. Made in Italy.
Black Carbon Fiber Fabric and Suede Single Lace Derby crafted in carbon fiber fabric with suede details, is part of the Elegance Collection that is classically elegant with a modern edge. Featuring single lace with anthracite metal logo, carbon fiber upper, elasticized gussets, suede quarter and heel panel, stacked heel and leather sole. Made in Italy.
Have Chase Sapphire Pref, what next?
Added on : Sunday September 28th 2014 05:00:06 AM
g: 0 Posted By: Thisiswhaticanafford
Views: 79 Replies: 2 All,
Adult daughter was able to get Chase SP when they had 50K bonus a while ago. She is due for a $5K home improvement purchase and I would like to see her get another high-value card and she'd be able to meet a spend bonus with that improvement. Just missed the United 50K which would have been a consideration for her travel fun.

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

Thanks for any and all help/opinions!
Discussion Deals
NATIONWIDE M&M's THEATER SIZE BOXES Candy Recall, see link for details
Added on : Sunday September 28th 2014 04:00:10 AM
g: 0 Posted By: MISTERCHEAP
Views: 60 Replies: 0 http://www.wfla.com/story/26637548/nationwide-m-m-recall
Discussion Deals
Is this legal: bank claims my credit info in their file:
Added on : Saturday September 27th 2014 09:00:12 AM
g: 0 Posted By: duna
Views: 59 Replies: 0 is " proprietary information" ? How is any information affecting your credit is a secret only for that bank to know information? Regardless what such info is---especially since there are many mistaken or miscoded information in one credit--if you do nto know that their secret reason how can you discuss it or haow can you correct ? Any such expreience?
Question Deals
CVS Black Friday 2014 Sneak Peek 11/27-11/29
Added on : Saturday September 27th 2014 08:00:16 AM
g: 0 Posted By: zmaster
Views: 105 Replies: 0 Here we go with Black Friday preview.

Thanks to Giasmom09 and didie at wuc for the info

FREE AFTER ECB Limit 1?

$0.79 ECB wyb Hershey Singles $0.79

$0.79 ECB wyb Wrigley's Gum $0.79

$1 ECB wyb Orbit Gum $1

$4.19 ECB wyb CVS AA, AAA 4 pk. batteries $4.19

$1 ECB wyb Dawn $1

$2 ECB wyb Gum Toothbrushes $2

$2.50 ECB wyb Colgate Max toothpaste $3.99
Discussion Deals
School Charging $$$$$ if a teacher leaves. Legal?
Added on : Saturday September 27th 2014 12:00:05 AM
g: 2 Posted By: biggsben
Views: 4230 Replies: 80 Good Afternoon all,
I am posting on behalf of my Girlfriend. She was working at an inner city title 1 charter school teaching 2nd grade. She signed a 1 year contract that does state that a $1500 dollar fee can be charged if the teacher does not give 30 days notice. However due to the workingenvironmentand that the school has given her nothing in regards to training or other that she should not owe that money.
The administration was very loose and not very strict when dealing with students. Consequently the workingenvironmentwas not the best. My Girlfriend had student taught at an inner city school 2 years ago and another title 1 school last year. Student discipline and classroom management were not an issue. However back up by admin was lacking.
There were 4 issues that were not addressed by admin. On the first day 2 students got into a fight and when she broke it up there was no help from admin in dealing with the students. Neither was suspended or disciplined by the school at all. Another instance of children fighting in the school yard. Students trying to punch teachers. A student slapped a Para (teachers aide) and nothing was done. A student tried to shove my Girlfriend down the stairs when she was at the top standing and asking the student to get back to class. Another student elbowed her when she got close to him and asked him to come to the nurse (in order to take his medicine). None of these students have had anyrepercussionsfrom the administration. When specific events are brought to the attention of admin through email they do not respond to email but instead go directly to the teacher and speak in person. They will not (and have not) email any information that forces them to take action. They have gone so far as to side step the rules about DFS reporting about issues at home by coming directly in person to teachers and not emailing them.
The school is only a few students over minimum enrollment for the school. If they lose a few more then they will be shut down due to lack of funding. I believe this is the reason for not making waves with parents.
My GF was called for an interview at a school and offered the job at a much safer environment where the admin backs up their teachers. She planned on giving two weeks and if they demanded the 30 then speak then. She had another incident with a student trying to injure another student. She handled the incident brought it to the administrations attention and they dismissed it and said that it was fine. That there doesn't need to be any punishment. She told them then that she would have her things out by the end of the dayandthat she could not work in thatenvironment. She told them on the exit interview that she would not be paying the fee due to an unsafeenvironment; Today (6 days later) sent a letter demanding payment today.


My question is do you think there is any standing for a school that has an unsafeenvironment to fine the teacher for leaving?

Should this be brought to Department of Educations attention or would it be better to go to Department of Labor?

Just chalk it up as a lesson learned pay the fee be glad to be out of that situation into a new job and be happy that she is no longer there?

Talk to an employment lawyer and start paying him/her to get on the case?

P.S. no pics, can't have them floating around and make this identifiable.

EDIT: I edited the amount of money in title so that it would not be as identifiable.
Personal Finance Deals
Rite Aid 10/19 - 10/25 (free Puracyn foot wash)
Added on : Friday September 26th 2014 03:00:12 AM
g: 1 Posted By: MrVietnam
Views: 553 Replies: 1 Rite Aid 10/19-10/25

3/$9.99 with $1UP L2 COKE 12 packs

40% off L'Oreal Cosmetics with $5 WYB $20 MONTHLY ongoing L4

3/$9 GM Cereals and BUY 3 GET $3 OFF 1 Gallon of Milk (This is an IN-AD)

$3 UP WYB $12 Halloween Candy L 2
$5 Hershey's Reese's Mars M&M's or Nestle Big Bags
RA "Gusset???" Bags
$3 Reese's or Hershey's Snack Size Candy Bags
$7 Charms Candy Carnival, Tootsie Child's Play, Mike/Ike Variety Pack, Wrigleys Astd

$3 UP WYB $12 L 2 2/$6 Lindor/Lindt Premium Candy Pouches
(this is part of a MONTHLY deal)

3/$9.99 7 UP and 7UP Products 12 pk with $1 UP L 2

$2.99 Nestle Pure Life Water 24 pk

$2 Up L 2? Mucinex Fast max or Sinus Max or Hot tea $10.99

$2 UP L 1 Correctol $5 Adv Price (5mg/50ct?) $3/1 MC in most sunday papers

$1 UP L 1 Coricidin HBP $5.99 with $3/1 MC in most Sunday papers

$3 UP L 2 Nexium 24hr 28 ct $18.44 advertised price

$2 Up L 3? Aleve Caplets/tablets 200ct Bayer Aspirin 300ct $13.99

$3 Up WYB 2 L 2 Aleve 50ct, Bayer 50ct+ 2/$13

$2 In-Ad Pepto Bismol Max Strength 12 oz, Reg Strength 18?oz Children's chews 24ct

$3 Up Men's Women's One-A-Day $8.99 adv price
Men's/Women's 140ct? 50+ ?ct, Pro Edge 50?ct
Active Metabolism 54?ct, Energy, Petites and Vitacraves

$2 WYB 2 L 1 BO50% Estroven/AZO/i-Cool or Brainstrong

$20 Up WYB Omron BP Monitors Model-specific and unreadable L2?

$2 In-Ad L'Oreal Colour Expert, Healthy Look, Highlighting Kit or Elnett Hair Spray
(Has Sunday Paper MC advertisement, fuzzy, but appears to be $2/1)

$1 In-Ad L'Oreal Preference or Mousse AbsolueHair Color

$2 UP WYB $6 Suave L 4 MONTHLY(includes Suave hair and BW)

$8 UP WYB $20 L2 BO50% All Garnier Skin Care

$7 UP WYB $15?? L3 Cetaphil Skin Care

$3 Up WYB 2 L 4 MONTHLY
BO50% Jergens, Curel or Biore Skin Care Products

$1 In-Ad All Clean & Clear and Lubriderm 16oz

$1.99 Softsoap Liquid Hand Soap 7.5 oz
Zest or Coast Bar Soap 2?pack
Zest Body Wash

$1 UP WYB 2 L2
2/$4 Dial Liquid Hand Soap 7.5oz
Tone Bar Soap 2 pk
Dial Bar Soap 2/3?

$2 UP L 3? Simple Cleansers $4.99 adv price

40% off WNW Cosmetics $1/1 MC in Most Sunday Papers

$10 WYB $15 Physicians' Formula Face and Eye

$5 WYB $10 Artificial Nails and Lashes L 2

$7 Up WYB $15 Neutrogena Cosmetics L 2

2/$5 Babylips (Maybelline)

$3 UP WYB 2 L 2
2/$8 Tresemme Shampoo or Conditioner/Stylers

$3 UP WYB 2 L 2
2/$10 Tresemme Premium Shampoo or Conditioner/Select Stylers

$10 up L1 $10 Puracyn foot wash

$10 UP L1
RePHresh and Replens Feminine Care Product

$10 UP L1? DNA paternity test kits, SpermCheck Fertility Kit, or Gender Prediction Kit

$5 UP L 2 $13.99 Trojan Condoms 10-32 ct Exc Natural? 10ct?)

$2 UP WYB 2 L 2 Oxytrol 4 ct or Kegel Exercisers

$5 L2 Trojan Lubricants

$4 UP WYB 2 L2
BO50% KY Entire line

$5 UP WYB 2 L 2
BO50% RA Gloves and Mask

$1.50 UP WYB 2 L 2
2/$3.50 Crest TP and Oral B TB Indicator 1ct

$1.50 UP L 2
$6.99 Always Infinity 24-36 ct, Ultra Thin Jumbo Pack 36-44ct
Pantiliners 100ct?+, Tampax Pearl Tampons 32-50ct?

$5 WYB $20 L 4 MONTHLY
$3.99 RA Pediatric Electrolytes

$2 UP L 2
$10.99 Gillette ProGlide Flex Ball Razor

In-Ad NO Denomination noted in this ad, for Gillette Select Disposable Razors 2-12ct

$2 In-Ad Schick Disposable or Shave Preps (Edge Shave Gel)

$4 In-Ad for Schick Cartridges

$3 Up WYB $10 L 2 (MONTHLY)
2/$5 Lysol All Purpose Cleaners Liquid 40oz, Sprays 22 or 32 oz,
Toilet Bowl Cleaner 24 oz or Wipes 35 ct

$5 Up WYB 2 L 3
BO50% GE CFL bulbs 1ct, Halogen 2pk

$2 UP WYB 2 L?
$4.99 Glade Lasting Impressions Refills, Plugins Scented Oil 2pk,
Auto Spray Refill 6.2oz?

$5 UP WYB $15 MONTHLY
2/$6 Xtra Laundry Det, Nice 'n Fluffy Softener, Palmolive 25 oz

$2 Up 50' Pocket Hose or Slip Stone Frying Pan $19.99

$2 UP Sandisk SD cards and flashdrives (many at 75% off clearance might count)
advertised 25% off L 2

There are some GC UP reward deals for Google Play, Xbox Live, Green Dot and American Express Secure Pay no coupons for fees.
Health & Beauty Deals
Cable Modem Zoom 5341J DOCIS 3.0 for $59 at Amazon
Added on : Thursday September 25th 2014 10:00:04 PM
g: 0 Posted By: thesandman2
Views: 71 Replies: 0 http://www.amazon.com/Zoom-DOCSIS-Cable-Modem-5341J/dp/B0063K4NN...

Zoom 5341J at Amazon for $59. Fantastic price for a DOCSIS 3.0 modem with a reputation for being workhorse.

I had a Motorola SB6121 that after 2 years started dropping signal several times a day. I read that this is fairly common for the SB6121 due to powersupply failing with time. I wanted the replacement to be different brand from motorolla and the Zoom has a great reputation going back decades to the dial up modem days. The Zoom been rock solid over the last month

As a side note, the 5341J is capable of bonding 8 down stream channels and 4 upstream channels for the few who need this (the older zoom 5341 without the "J" was a 4x4 modem). This makes the 5341J comparable to the motorolla SB6141 rather than the SB6121

Here is a discussion on comcast forums of the 5431J vs SB6121. They feel the 5431J to be a superior modem.
Electronics Deals

Amazon Coupons
School Charging $1500 if a teacher leaves. Legal?
Added on : Thursday September 25th 2014 08:00:19 AM
g: 0 Posted By: biggsben
Views: 106 Replies: 6 Good Afternoon all,
I am posting on behalf of my Girlfriend. She was working at an inner city title 1 charter school teaching 2nd grade. She signed a 1 year contract that does state that a $1500 dollar fee can be charged if the teacher does not give 30 days notice. However due to the workingenvironmentand that the school has given her nothing in regards to training or other that she should not owe that money.
The administration was very loose and not very strict when dealing with students. Consequently the workingenvironmentwas not the best. My Girlfriend had student taught at an inner city school 2 years ago and another title 1 school last year. Student discipline and classroom management were not an issue. However back up by admin was lacking.
There were 4 issues that were not addressed by admin. On the first day 2 students got into a fight and when she broke it up there was no help from admin in dealing with the students. Neither was suspended or disciplined by the school at all. Another instance of children fighting in the school yard. Students trying to punch teachers. A student slapped a Para (teachers aide) and nothing was done. A student tried to shove my Girlfriend down the stairs when she was at the top standing and asking the student to get back to class. Another student elbowed her when she got close to him and asked him to come to the nurse (in order to take his medicine). None of these students have had anyrepercussionsfrom the administration. When specific events are brought to the attention of admin through email they do not respond to email but instead go directly to the teacher and speak in person. They will not (and have not) email any information that forces them to take action. They have gone so far as to side step the rules about DFS reporting about issues at home by coming directly in person to teachers and not emailing them.
The school is only a few students over minimum enrollment for the school. If they lose a few more then they will be shut down due to lack of funding. I believe this is the reason for not making waves with parents.
My GF was called for an interview at a school and offered the job at a much safer environment where the admin backs up their teachers. She planned on giving two weeks and if they demanded the 30 then speak then. She had another incident with a student trying to injure another student. She handled the incident brought it to the administrations attention and they dismissed it and said that it was fine. That there doesn't need to be any punishment. She told them then that she would have her things out by the end of the dayandthat she could not work in thatenvironment. She told them on the exit interview that she would not be paying the fee due to an unsafeenvironment; Today (6 days later) sent a letter demanding payment today.


My question is do you think there is any standing for a school that has an unsafeenvironment to fine the teacher for leaving?

Should this be brought to Department of Educations attention or would it be better to go to Department of Labor?

Just chalk it up as a lesson learned pay the fee be glad to be out of that situation into a new job and be happy that she is no longer there?

Talk to an employment lawyer and start paying him/her to get on the case?

P.S. no pics, can't have them floating around and make this identifiable.
g: 1 Posted By: MISTERCHEAP
Views: 97 Replies: 4 http://help.target.com/help/subcategoryarticle?childcat=Coupon+p...



The Changes in a Nutshell:

1. All valid manufacturers coupons will be accepted, regardless of store suggestions printed on them (i.e. Redeemable at WalMart)

2. Clarification now made in the policy as to the difference between per purchase and per transaction fine print on a coupon.
Discussion Deals
Bought a home with childcare in basement
Added on : Thursday September 25th 2014 05:00:11 AM
g: -11 Posted By: americano
Views: 169 Replies: 12 We recently bought a home. It seems the previous owners ran a childcare/montessori in the basement. There was no mention of it in the disclosure. We came to know recently through neighbors etc. Have I been tricked? Did they break any law by not disclosing it (Pennsylvania)? Should I file a lawsuit and ask for some compensation? Thanks in advance.
Discussion Deals
g: 0 Posted By: remick
Views: 212 Replies: 0 http://www.amazon.com/dp/B00NTTPM9S/

A book detailed with the story of a young entrepreneur (Nate O'Bryant) giving intellect and wisdom on how he became a 6- figure in less than 1 year. Jam packed with professional coaching, motivation, and testimony onunlocking and activating the true entrepreneur in you. The purpose of this book is to educate and entertain.



also free

Small Business Marketing: An Insider's Collection of Secrets
http://www.amazon.com/gp/product/B00EJ72EBI/

This is a book for the Small Business Owner, who wants to know the secrets of how to rocket sales through a structured, yet multifaceted Small Business Marketing and Public Relations campaign. Inside you will discover how reach a Target market with maximum return for your time and money invested.

This book is about turning your company into a booming successful business right now, while not spending fortune trying to do so. Written with the small business marketing budget in mind; this book shares hard won practical experience learned over four decades.

"An integral part of the success of a small business marketing campaign is trying to find the Wow! factor in all that you do. It is also examining closely what works, and keeping what does, and tossing out what does not. This book is about sharing ideas and strategies that can help you achieve the Wow factor on a low budget and at the same time adhere to the tools that are working.

Just like a three ring circus, one clown dancing does not Wow the crowd. So one needs to include the elephant, the daring trapeze, the balancing act and the lion tamer and have them all going on at the same time seven days a week to start approaching the audience Wow factor. One does not just run a single advertisement and wait.

One runs the advertisement, hosts an event, sends direct mail, makes calls, hands out flyers in the community, calls a press conference, etc. One thinks like a circus, and is always looking to have as many 'acts' in motion at one time."
~ Michael Delaware, Author

If you want to achieve consistent growth and prosperity with your business, then this new book - "Small Business Marketing: An Insiders Collection of Secrets" - gives you the answers to dozens of important questions and challenges every Small Business Marketers faces, including:

- How to market successfully on a small budget
- How to maximize ones marketing investment dollars
- How to be effective in marketing on the internet & social media
- What works and what does not in traditional marketing methods today
- How to run a viable, multifaceted and successful marketing campaign in a competitive environment
... and more!

So, if you're serious about wanting a booming business and you want to experience prosperity in your business, then you will want to grab a copy of "Small Business Marketing: An Insiders Collection of Secrets" right now, because Small Business Marketing Expert and Author Michael Delaware, will reveal to you how every Small Business Marketers, regardless of experience level, can succeed - Today!



Habits of Successful People: Learn The Powerful Lessons To Be Successful
http://www.amazon.com/dp/B00JI5SEGA/

What this book is about:
Developing the right mindset for success in both life and business
Achieving your goals with the Habits of Successful peopl mindset
Setting foot on the best path for your career, with the right way of thinking

This book isnt about millions falling into your lap out of thin air, rather, it teaches you the right state of mind to know when theres an opportunity for millions, and then go and get it! Mark Snyders book connects your mind with your reality, helping you manipulate it as to get into the most favorable situations for you!



The Productive Person Action Guide: How to be more productive and maximize your work-life balance in 2 weeks
http://www.amazon.com/Productive-Person-Action-Guide-productive-...

Anyone privileged with the choice of how they spend their time is cursed with a common struggle...work-life balance. Whether you're a student, entrepreneur, or even stay at home parent, dividing your free time between productivity and personal time can be difficult.
How do you maximize each hour of productivity so that you are only focused on the task at hand, leaving you free to do other more enjoyable things?
And...how do you make sure your free time is truly FREE...free of guilt, free of stress, and free of feeling anxious for not being "busy"?
Both of these things require practice and can be tough to implement and manage with your already overloaded schedule.
In this practical and lighthearted Action Guide, James Roper and Chandler Bolt explain how you can be productive with your time without sacrificing your social life and the freedom you cherish.
By drawing examples from their time as students, entrepreneurs AND years of coaching student-entrepreneurs, they show the reader how be more productive while also creating more time freedom.
In this Action Guide, the reader will be given:
Productivity Hacks for becoming instantly more productive
Daily schedules that work perfectly for people who need to get stuff done, but also want to have some "me" time too
Prework that will alter their mindset and perspective on how they make decisions
Actionable Steps to create your new productive habits in a hurry
But, don't get it twisted...The Productive Person Action Guide is not meant to be the end all be all for productivity management. (instead, think of these productivity tips as a whole new set of tools for your productivity tool bag.)
The Productive Person is concisely written with your valuable free time in mind, and it teaches time management for entrepreneurs, college students, or anyone who struggles with work-life balance.
The Productive Person Action Guide takes it a step further by only providing the actionable steps and exercises from The Productive Person. If you want further explanation of what's covered in the Action Guide, you can check out the full version of The Productive Person on Amazon.
Don't let your time keep slipping away...take it back, make it productive, and enjoy your new life.




The Small Business Planning Guide For Professionals
http://www.amazon.com/Small-Business-Planning-Guide-Professional...

One of the most vital elements of our worlds economy is based on small businesses, usually a single owner and at most just a few employees providing vital services for their community. Often these are professionals seeking to improve themselves at their trade, and very few have substantial experience running a business, and even fewer have business degrees. Creating your own business can be one of the most rewarding and profitable moves you can make in your career, but without someone to guide you along can be a difficult and financially frightening process. Running your own business if you know your profession well, however, does not have to be hard.

This guide brings you through the processes of forming the structure and method of your business, to filing as a company and being aware of some of the most common tax questions. If you are looking to build a small business, or feel like the business you own is not as smoothly running and organized as you would like, The Small Business Planning Guide For Professionals is a superb text to help you wrap your mind around your business, get planning moving, and fill in gaps you might not have realized were there.




How to start your own business: The first 5 steps
http://www.amazon.com/How-start-your-own-business-ebook/dp/B00J8...

An excerpt from the book:
...When you are setting goals, put into consideration that it is only you that knows that you have started a new business and that unless the public gets to know, you do not have a business. Someone once said that having a business without advertising is like smiling to someone in the dark.




5 Crucial Ingredients of the Perfect Business Idea
http://www.amazon.com/Crucial-Ingredients-Perfect-Business-Idea-...

Will Mitchells 5 Crucial Ingredients of the Perfect Business Idea is an insightful guide for aspiring entrepreneurs who want to know how to come up with a good new business idea to work on, and more importantly, how to separate the good business ideas from the bad. The author says you need to cater to a responsive audience that actually needs your idea, product, or service, and show how what you offer is different from what competitors can deliver. He also discusses how to develop a realistic business plan with clearly defined goals.




How To Talk To Anyone: The Ultimate Guide On How To Talk To Anyone! - Use Charisma And Self Confidence To Talk To People And Get Anything You Want
http://www.amazon.com/How-Talk-Anyone-Confidence-Conversation-eb...

This book contains proven steps and strategies on how to easily persuade people and get what you want!
Most people don't realize the incredible power we have in our words, if we just open our mouth in front of the right people we will undoubtedly get what we want, if we say it with the proper delivery and self confidence
Charisma is a learned skill and anyone can be self confident and influence people if you know the proper steps and strategies outlined in this book.
At the same time, this book will show you how you can be impressive and charming just by being yourself. Yes, you are bound to be liked by the people you encounter everyday for being who you are. Everyone is free to attract the people that they need in their life, and that means that you can continuously grow your network and fill it with relevant people, as long as you know how to develop yourself. This book will show you how to do that. You will also learn the secrets of making the perfect first impressions, and getting the most out of the most ordinary conversations.




How To Set Goals: Your Goal Setting Bible For Maximum Personal Achievement
http://www.amazon.com/gp/product/B00BOVMRYG/

Setting goals gives every ordinary person the power to be extraordinary.
The bad news is about 99% of the population never discovers the power of goal setting.
The good news is I have the proven methods of the elite 1% and an exclusive invitation inside for you to join them.








Books Deals

Amazon Coupons
g: 0 Posted By: ctgolfer
Views: 153 Replies: 0 free shipping with Prime or on $35+

Collection includes the following titles on Blu-ray:
Bus Stop
A naive but stubborn cowboy falls in love with a saloon singer and tries to take her away against her will to get married and live on his ranch in Montana.

Niagara
Marilyn Monroe and Joseph Cotten are an ill-suited couple staying in the cottage next to happy newlyweds Casey Adams and Jean Peters near Niagara Falls. While sightseeing, the newlyweds see Monroe kissing her young lover (Richard Allen) and hear them plot to kill her husband, making it look like suicide. When the latter goes missing, Monroe is asked to identify a body and discovers it's her lover. Her husband's vengeance threatens them all.

Gentlemen Prefer Blondes
Marilyn Monroe and Jane Russell sizzle, sing and dance as a couple of gold diggers out to land rich husbands. This Technicolor film fable follows the exploits of two gorgeous women aboard a luxury ocean liner. One (Monroe) loves diamonds and the other (Russell) loves men. On the ship with them are an elderly diamond mine owner (Charles Coburn), a team of handsome and muscular Olympic athletes, a fascinating but very young millionaire (George Winslow) and a nosy private eye. Packed with 40 minutes of production numbers, Gentlemen Prefer Blondes includes the legendary title song and "Diamonds Are a Girl's Best Friend."

How to Marry a Millionaire
Three New York models, Shatze, Pola and Loco set-up in an exclusive appartment with a plan: tired of cheap men and a lack of money they intend to use all their talents to trap and marry three millionaires. The trouble is that's it's not so easy to tell the rich men from the huxters and even when they can, is the money really worth it?

River of No Return
After his wife dies, Matt Calder (Robert Mitchum) and his young son begin a new life in the breathtaking, rugged Northwest wilderness, where Calder is robbed and beaten by ruthless gambler Harry Weston (Rory Calhoun). When Weston's beautiful fiance (Marilyn Monroe) then decides to nurse Calder back to health, the insanely jealous Weston risks their lives by taking them all on a ride down a treacherous river in this spectacular looking Western.

There's No Business Like Show Business
Molly and Terry Donahue, plus their three children, are The Five Donahues. Son Tim meets hat-check girl Vicky and the family act begins to fall apart.


The Seven Year Itch
It's every man's fantasy - a summer romance with the sexiest woman he can imagine. Richard Sherman (Tom Ewell) is a happily married man whose wife and son are off on vacation when his tempting new neighbor (Monroe) sneaks in one hot summer night to cool off in his air-conditioned apartment. How does an ordinary man deal with this irresistible temptation after seven years of marriage? Find out in this 1955 treasure featuring Evelyn Keyes and Marguerite Chapman and directed by Oscar winner Billy Wilder.

Some Like it Hot
When two musicians witness a mob hit, they flee the state in an all female band disguised as women, but further complications set in.

The Misfits
A sexy divorce falls for an over-the-hill cowboy who is struggling to maintain his romantically independent lifestyle in early-sixties Nevada.

www.amazon.com/dp/B00FC1ZC9Q
Blu Ray Deals

Amazon Coupons
Bank of America - Check your Credit Card, it might be 'closed' for safety
Added on : Wednesday September 24th 2014 07:00:09 PM
g: 1 Posted By: forbin4040
Views: 108 Replies: 2 I got a bit of a rude awakening as I logged into my BofA credit card account and POOF, it's not on the list of accounts.
So I called the number and the computer told me my card is Closed.

Freaking out, (And considering I used that same card about 3 hours ago), I asked for a Live Operator.

I found out that BofA has detected some kind of fraud on my card (Duh, with all the data breaches I'm not surprised) and they 'closed' my account and removed it off my online reports. And is mailing me a new one (Without ANY NOTIFICATION BTW)

Turns out BofA 'shuts off' online access to a card when they are in the transition between an old number and a new one. Honestly that's pretty dumb in my book. But if you have used their cards, their website looks like it was written in 1997. (Balances are wrong, payments are hard to track, etc)

Well at least NOW I know I'm getting a new card in the mail and I can see my online transactions again in a couple of days.

So check your account and if your card is missing, call them and get assurance that you are getting a new card in the mail.
Discussion Deals
Starting a real estate business with partners - Need Advice
Added on : Wednesday September 24th 2014 05:00:07 PM
g: 0 Posted By: RailroadTrack
Views: 71 Replies: 5 I need some advice. I plan on going into business with two friends/co-workers, guys I trust. We plan on saving 20% to 25% for an $800K property with some buffer cash for any issues that arise, so $80K each. Once we buy a property, we plan on re-investing the profits in order to con This isn't going to be an overnight thing. We plan to save this over a three year period and purchase a property at that point. We want to establish an account where we can only withdraw funds if all three sign, and plan to have a business charter drafted by an attorney that covers situations like this so we don't end up having issues as business partners. I have some general questions, what do we need to get started? Do we need to start an LLC? What type of business account do we need to establish? We're obviously in the early stages of this and want to get over the hurdle of generating capital to get this started.

If it matters, we each have decent paying jobs. $80K-85K / year, none of us have kids, we're all late 20's, credit scores over 740, some debt (cars), two of us have mortgages, one in Hawaii and one in Virginia, both are being rented out and are near military installations.

I'm all ears, good and bad. What do you guys think and how do we get this started?
Discussion Deals
g: 0 Posted By: jskins
Views: 90 Replies: 0 Fender Pawn Shop Super Sonic Electric Guitar (Apple Red Flake) - $349.99 with free shipping at Sam Ash.

9.5-in. Radius Rosewood Fingerboard
22 Medium Jumbo Frets
Maple Neck w/ Bullet-Style Truss Rod
Distinctive Reverse Body Design


Sunfire Orange Flake also available for $349.99 with free shipping.

The next lowest price for theFender Pawn Shop Super Sonic Electric Guitar (Apple Red Flake) from a rated merchant on Google Shopping is $799.99.
Music Deals
Another Data Breach report - Jimmy John confirmed
Added on : Wednesday September 24th 2014 10:00:19 AM
g: 0 Posted By: Paks12
Views: 4 Replies: 0 Another data breach report. This time it's Jimmy John stores -http://www.chicagotribune.com/business/breaking/chi-jimmy-johns-...
Discussion Deals
can I do better ? PHL to BOD
Added on : Wednesday September 24th 2014 09:00:15 AM
g: 0 Posted By: mikebeets
Views: 41 Replies: 0 $1,075.50 per person RT : PHL to BOD

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

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

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

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

Can I find a lower price for my flights ?

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

Thanks in advance
Discussion Deals
Considerations For Buying A Primary Home In Cash - No Mortgage
Added on : Wednesday September 24th 2014 06:00:18 AM
g: 0 Posted By: robronson
Views: 109 Replies: 4 I've never owned a home, though I consider it as a possibility in the next few years. I'm a life long renter in my 30s and have always chosen to live in modest cost of living areas. My rent over the last 10 years since I left college has been no more than $1000 per month in any place I've lived, and typically in the $600/month range. I have no interest in living in a place like NYC, LA, SF, Seattle, and that's pertinent to this post because if I did want to live there, then this strategy would be impossible.

I've built a nice nest egg in the $300k range and am shooting for early retirement, roughly in the $700k to $1M range in late 30s, early 40s. Currently able to net and save around $100k per year after taxes/living expenses and if I can keep that up, I'm well on track.

One of the major reasons for me avoiding home ownership is the mortgage process in general. While it may seem like a routine thing for most, I have a stronger-than-most protection of my privacy, and the process of getting a mortgage, for me, in my mental state, falls somewhere in the middle between root canal and prison rape. No need to go into details of my psychological fears of showing a stranger my finances, employment, and credit history, because it's how I feel and strangers commenting on this post won't fix me.

Thus, if I want to own a home, I would almost certainly do so with "cash" (certified check or whatever). Most of the areas I want to live have really nice homes in the $150k to $200k range. Given I am netting $100k per year (after living expenses, to my savings account), I can save enough money for a house in 2 to 3 years.

If I can get the liquid cash to buy a home in 2 to 3 years of work, should I do it? Any downsides? The alternative isn't getting a mortgage because I won't get a mortgage. Discussions about opportunity cost for lack of tax credits from mortgage interest aren't applicable to my situation. My alternative is continuing to rent.
Personal Finance Deals
g: 0 Posted By: Gauss44
Views: 35 Replies: 0 It seems to me that every time a medical disaster strikes (SARS, Ebola, H1N1, etc.), there is almost always a technology race to follow. Companies competeto develop the best line of defense including drugs and equipment. The same is sometimes true of non-medical disasters. Of course, there have been many articles about this in the news lately that have got me thinking: Every couple years or so, there's a new technology race, where adispassionate, analytical investormight come up with a strategy to significantly profit of of the winning companies - and by investing in their stock, he would in a sense, be rewarding the heroes.

Of course, after a disaster the last thing most people want to think about is investing. But that could lead to less competition and more time to invest before stocks rise - an advantage to the cool minded well-focused investor. Next time a disaster strikes (so long as I survive it and have internet access), I'm going to brainstorm about which companies will do the rebuilding or fixing of the problem, and invest in them. Any thoughts? Have you tried this?
Discussion Deals
Why does PenFed push their 5/5 ARM so much?
Added on : Tuesday September 23rd 2014 03:00:06 PM
g: 0 Posted By: fryth
Views: 89 Replies: 2 It is pretty obvious that this is the product they want everyone to go into. Is it because the current fixed rate is too low for them make it worth their while holding your loan? So they hope you go with the 5/5, knowing that the rates will be going up down the road? But that doesn't make a lot of sense either as so many people will refi around the first 5 year rate reset.

It's just strange how other banks want people to be in fixed loans to avoid the problems in the housing crash with the ARMs.
Discussion Deals
Concrete contractor not responding after taking advance for driveway work
Added on : Tuesday September 23rd 2014 10:00:18 AM
g: 0 Posted By: mrmonty
Views: 130 Replies: 4 I would like to seek your wisdom for a situation I am in. I received several bids for driveway replacement at my home in Denver, mostly from Craigslist. I selected this contractor to work on my driveway and he needed 1/3rd of the bid amount ($1000) to secure the roll-off truck for stripping the old driveway. I gave him a check yesterday, as he declined credit card, but I wrote 'Driveway repair advance' in the check's memo (made to the contractor not his company, curse me!!). He was supposed to start stripping the driveway yesterday, but no signs of him yet (2pm MT). He won't respond to calls or texts. He cashed the check yesterday within an hour of getting it. The bank can't stop the payment now.Should I be worried or give him some time?I have his name and phone no. for police report (if it comes to that). Please advise.
Discussion Deals
Zippo A-Frame Chrome Hand Warmer - $12.46 @ Amazon (Prime/FSSS)
Added on : Tuesday September 23rd 2014 03:00:02 AM
g: 0 Posted By: st4rdust
Views: 234 Replies: 0 Amazon has theZippo A-Frame Chrome Hand Warmeron sale for$12.46with Free Super Saver Shipping on orders of $35 or more. Also ships for free if you are an Amazon Prime member.


3.8/5 stars based on 462 customer reviews.

Up to 12 hours of warmth with one filling
Low odor, used for hunting, snowmobiling, skiing, ice fishing and football
Includes hand-warmer, warmer bag and filling cup (lighter fluid not included)
4 1/4 x 1 3/4 x 8 1/4 inches



Looks like this did well when it was posted in Januaryfor a few cents more; there's some good discussion in that thread as well!
Sports & Outdoors Deals

Amazon Coupons
Sellout.woot.com: Comic Book & Trading Card Surprise Bundles
Added on : Tuesday September 23rd 2014 02:00:04 AM
g: 0 Posted By: JayMatt19
Views: 244 Replies: 1 Linky

25 Random Comic Book Bundle: $14.99 + Shipping
2000+ Card set (Baseball, Football, Hockey or Basketball) $29.99 + Shipping

From the Baseball Cards Link:Recommended Age: 5+ Years

The perfect way to get a young collector started in the world of sports card collecting
Includes over 2000 Baseball cards from the 1970's to the present
Includes a number of rookie cards, stars, and "Hall of Famers"
Each box is a unique collection; no two boxes are the same
Each box includes either an autographed or used game jersey card
Collection includes cards from major card makers, Topps, The Upper Deck, Donruss and Fleer

The Benefits of Sports Card Collecting:

Sports card collecting bridges the gap between generations of sports fans and collectors from young to old and vice versa, making it a great way to bond
Teaches organizational skills when a child organizes and establishes a collection in proper fashion
Improves academic skills by promoting understanding of subsets, math, reading and logistical skills
Understanding the values of cards promotes research, basic economic skills and values
Unlike other activities sports card collecting is a positive outlet for children that can continue well into adulthood
It's just plain fun!

Shipping Note: A physical address within the 48 contiguous states is required for delivery, shipping to Alaska, Hawaii, APO/FPO and PO Boxes is not available for this item
Magazines Deals

woot! Coupons
Health Insurance Premium Increase?
Added on : Monday September 22nd 2014 07:00:07 PM
g: 1 Posted By: SinbadS
Views: 158 Replies: 1 I don't want to blog here but I am attaching some recent articles from NY Times for reference. I have a catastrophic plan with HealthNet and I called to see if they are going to raise the premium and they said there is no plan at this time. I joined this private plan following ObamaCare turmoil. My question is: Do you think the premiums will be raised as I read a lot that many insurers are planning to do so?

In Context, Health Premium Increases Don't Actually Look Like Increases
With New Health Law, Shopping Around Can Be Crucial
Health Law Has Caveat on Renewal of Coverage
Limiting Choice to Control Health Spending: A Caution
Discussion Deals
HealthNet Premium Increase?
Added on : Monday September 22nd 2014 06:00:10 PM
g: 0 Posted By: SinbadS
Views: 49 Replies: 0 I don't want to blog here but I am attaching an article from NY Times for reference. I have a catastrophic plan with HealthNet and I called to see if they are going to raise the premium and they said there is no plan at this time. I joined this private plan following ObamaCare turmoil. My question is: Do you think the premiums will be raised as I read a lot that many insurers are planning to do so?

http://www.nytimes.com/2014/09/23/upshot/in-context-health-premi...
Discussion Deals
$128,430.01 in student loans, what to do?
Added on : Monday September 22nd 2014 02:00:12 PM
g: -1 Posted By: CinderellaMan
Views: 178 Replies: 7 Is there an online forum that focuses on discussions of repayments of student loans?

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

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

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

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

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

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

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

Disadvantages

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

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

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

Disadvantages

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

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

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

Disadvantages

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

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

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

Disadvantages

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

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

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

Disadvantages

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

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

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

Disadvantages

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






Question Deals
Lending money to a Real Estate Investor?
Added on : Monday September 22nd 2014 08:00:14 AM
g: 0 Posted By: ssquare
Views: 91 Replies: 2 Wanted to get your opinion on what all one should be thinking about if one is loaning some amount to a real estate professional (< 40K). I have not done it before, but I have a lead currently that someone interested in borrowing money for a year at 10% APY. As a collateral, second lien on a house owned by the professional is being offered.

I don't really have any insight into which project or how this money will be used by the investor. The questions that comes to mind is

1. Is a simple promissory note and second lien provide good enough security?
2. If you were offered the same deal, would you take it?
3. Any good/bad experiences
4. What kind of questions one should be asking before proceeding with something like this?
5. A one year loan at 10% in current environment is obviously a very high risk loan. Is the collateral quality good enough to minimize the risk? Are lawsuits too messy/expensive that it is not a practical option for this sum of money if things go bad.

Appreciate your feedback.
SS
Discussion Deals
7 Common Mistakes When Shopping With Coupons
Added on : Monday September 22nd 2014 03:00:05 AM
g: 0 Posted By: cpamykel
Views: 169 Replies: 1 1. Clipping Every CouponI used to cut out each coupon, one at a time, from the nine coupon inserts that we receive with our newspaper. Then I learned the time-saving secret that 1st graders use in art class. Stack like pages together from all of your inserts first, and then cut them out, using a single action.If you use the coupon binder method, this saves you a lot of time. If you use the whole insert method of storing your coupons, put like pages together, and file the entire inserts. Use a paper cutter for cutting multiple inserts. In addition, make sure to quickly scan the coupon inserts and discard coupons you dont need. This makes sorting quicker and easier.2. Buying Every Great DealOnly buy items that you need to buy. Otherwise, you will buy products you do not need, or buy products that expire before you have a chance to use them. Jumping on every great deal out there significantly lightens your wallet, and defeats the whole purpose of couponing.3. Buying Anything on SaleJust because an item is on sale doesnt mean it is a good sale. An item thats usually $2.99, and has a sale price of two items for $5.00, isnt much of a sale.Wait for a better sale to splurge and use your coupons. When you use your coupons for items that are deeply discounted, you will save the most money.Before you buy an item, calculate the price of the discount item, plus your coupon savings, to see if the resulting price offers a real savings.Remember, you set the price you want to pay for an item. If a stores sale prices and your coupons wont save you enough money, dont buy the item!4. Using a Coupon on a Full-Priced ItemIf you use a $1.00 off coupon on a full-priced box of cereal priced at $4.99, you dont save much money. This actually violates the two tenets of extreme couponing: Only buy items that are on sale, and combine that sale with one or more coupons.Wait until the cereal is on sale to use the coupon. For example, if the store has a two for $4.00 promotion, charging $2.00 for one box of the $4.99 cereal, you can buy the cereal, use the coupon, and only pay $1.00 for the box. Thats an 80% savings off of the original price! You are not obligated to buy two boxes on a sale like this.5. Printing Coupons You Dont UseOnline printable coupons from websites like Coupons.comcan save you money. However, you must use computer paper and ink to print the coupons, which costs money and wastes paper. Many people print every online coupon available, and then throw most of them away. Print online coupons as you need them, to use during store sales.6. Being Brand LoyalPost or Kelloggs Raisin Bran? Skippy peanut butter or Jif? Which brands should you buy? The answer: Whichever one you can get for free or close to free using your coupons.Many people start down the road to extreme couponing because of a major impetus in their life, like a loss of income, a baby on the way, or too much debt. This is not the time to be brand loyal. You need to save money, and you cant do that if you pass on good deals because you prefer a different brand.If you can buy a necessary item for free or close to free, dont worry about the brand; just take advantage of the savings.7. Using Every CouponSome coupons dont represent a real savings. For example, a coupon for $0.50 off of two boxes of brand name cereal wont result in a real savings. Thats only $0.25 off each box of cereal. Even during a good sale, the coupon may not take the total price down to what you want to pay for the cereal. Wait for a better coupon and for another sale.Sometimes you will have good coupons but no sales on the items you need, and the coupons approaching expiration date. Let them expire! You dont have to use the coupons and make mistake #1, using a coupon on a full-priced item.Our family routinely throws out expired coupons because the items didnt go on sale, the sale wasnt good enough, or the coupon wasnt enough of a savings. Pass on deals that dont represent a true savings. If you really need the item, buy one or two of them now, and wait to buy in bulk until the item is discounted.
Discussion Deals
g: 0 Posted By: remick
Views: 0 Replies: 0 http://www.amazon.com/gp/product/B007SANLJC

4.5 out of 5 stars (86 customer reviews)

Revised and expanded edition!
We all want to include emotion in our photographs - it's what separates the "snapshooter" from the artist!

Color is one of - if not THE most important tool we can use to insert emotion. But few of us really know how.
Once you've read through this lesson (it's fast and easy) you will never think of color the same again!

For example... we all know that red is a good accent to attract attention. It can also indicate heat, passion or even stop! But there is more, a lot more.

Learn how Baboon Butts affect the way we look at the color red!

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

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

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

Introduction:

Composition Review:

Leading Lines

Diagonal Lines

The Rule Of Thirds

Power Points

Horizontal Power Lines

Vertical Power Lines

Controlling The Viewer With Color

Using Color

Color Is Additive

How Film And Digital Sensors Work

Controlling Emotion With Colors

Changing The "Feel" Of A Photo With Color

Cross Processing And Other Techniques For Edgier Color Effects

The Meaning And Affects Of Various Colors

Color Used To Harmonize

Tying It All Together

The Color Wheel

Get Better Landscape Photography By Using Kodak Yellow!

Focus On People - Not Clothing

Hand Tinting

How Baboon Butts And Red Dresses Affect Your Portrait Photography

Shooting Color - Techniques

How To Intensify The Colors In Your Portrait Photography!

How To Get Stunning Colors In Your Sunset Photography!

Adding Filters

Here Is An Indispensable Filter For Great Landscape Photography!

Photo Exercise

Additional Photo Training


In the section on Using Color - We discuss the concept of color management, how and why it works to elicit emotion in our viewers.

The Color Wheel - The color wheel is a graphic representation that will make it easy to select what colors harmonize and which ones don't. Sometimes you will want harmony, and other times you will want to jar your viewer. Now you will know what colors to use.

And more...and more...and more...

Color is a key element in photo composition but very few photo courses even mention it!
Once you have Volume 10: Control Viewers! Make Your Color Photography "POP!" you will KNOW how the colors in your photos are affecting the viewer!
Totally Free Deals
Widener's has PPU .45ACP ammo $14.99/box 50 plus ship
Added on : Sunday September 21st 2014 06:00:03 PM
g: 2 Posted By: faldoc
Views: 210 Replies: 0 Prvi Partizan 230 gr FMJ, brass cased, boxer primed, non-corrosive, new ammo, $14.99/box 50. This is as low as reloaded lead ammo, or Berdan or boxer primed Russian bimetal jacketed polymer coated steel cased ammo. It is made in Serbia.
For those who want US made reloaded ammo, please look it up at gunbot or ammoseek. The purpose of this post is for folks who want quality new manufactured ammo which they can reload. Most new handguns have a voiding of the warranty using reloaded ammo. The least expensive NewUS made ammo I found in a brief search is Blazer and it's about 20% more expensive.
http://www.wideners.com/itemdetail.cfm?item_id=100000103&dir=18|829|842
Guns & Ammo Deals
"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.
USB & Flash Drives Deals

Groupon Coupons
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

Music Deals

Musician's Friend Coupons
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
Impact Guidance System employs linked componentry to enhance the foot's natural gait from heel strike to toe-off
Propulsion Trusstic technology mimics the connective tissue in the foot by creating tension as the foot enters propulsion stage
Vertical Flex Groove decouples the line of progression for enhanced gait efficiency
High-performance outsole design provides enhanced traction and feel, even on wet surfaces
Closeout
Shoes Deals

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

5.0 out of 5 stars (18 customer reviews)

LEARN THE EXTRAORDINARY SECRET LYING IN THE WORDS THANK YOU.

This book shows you the power of gratitude, and how every day the most successful people use it to thrive, seek happiness and help others.
Most of us say thank you reflexively to show good manners, appreciate favors received, enjoy serendipity or comply with etiquette. But research has shown that properly applied gratitude (not automatic or fake gratefulness) can exponentially improve your life and help you succeed in everything yes, EVERYTHING you undertake. The key lies in constantly following several things discussed in the book.
>>> The book contains a helpful Discussion Guide and a sample chapter of sequel The Power of Patience: 96 Traits of Highly Effective People - A Dip in the Minds of Successful Folk, From Leaders to Laymen. 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.

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

Identify where yourpassion truly lies, and how to effectively follow your heart;
Use gratitude to succeed in every activity you undertake; and
Communicate and negotiate more effectively (the promise in compromise)
Books Deals

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

....

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


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

Shows the importance of saving for sure, but I personally know most of my peers (millennials as well) that fall into the "no savings" bucket.
Discussion Deals
g: 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.

Discussion Deals
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:

16" Valvoline Silver Series Wiper Blade-$2.39
17" Valvoline Silver Series Wiper Blade-$2.39
18" Valvoline Silver Series Wiper Blade-$2.39
19" Valvoline Silver Series Wiper Blade-$2.69
20" Valvoline Silver Series Wiper Blade-$2.69
21" Valvoline Silver Series Wiper Blade-$2.99
22" Valvoline Silver Series Wiper Blade-$2.69
24" Valvoline Silver Series Wiper Blade-$3.29



Gold Series:

19" Valvoline Gold Series Wiper Blade-$3.29
20" Valvoline Gold Series Wiper Blade-$3.29
21" Valvoline Gold Series Wiper Blade-$3.29
24" Valvoline Gold Series Wiper Blade-$4.19
26" Valvoline Gold Series Wiper Blade-$4.19
28" Valvoline Gold Series Wiper Blade-$4.19

Auto Parts Deals

Sears Coupons
"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.
Discussion Deals
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.


Discussion Deals
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
Home & Garden Deals

Sears Coupons
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.
Books Deals

Amazon Coupons
g: 0 Posted By: DaysFan
Views: 255 Replies: 1 http://www.brylanehome.com

Home http://secureimages.plussizetech.com/images/site_images/BrylaneH...
Storage & Org http://secureimages.plussizetech.com/images/site_images/BrylaneH...Pet Supplies


linked
Plush Pet Wing Chair CoverItem #: 1547-26461-1150$59.99 Now: $29.99 Save 50%
shipping $9.9930% off

Promo Code: BHCOMEBACK
will cover the shipping costs
This deluxe quilted, fleece-like furniture cover is designed to wrap all the way around your wing chair for optimum protection against pet hairs and dirty paws.

fits wing chair seat up to 23"W
oversized backdrop and generous front seat drop
four ties at all four corners to keep cover in place
polyester
machine wash
imported
and protect your floors with our beautiful selection of rugs!
we offer a wide range of slipcoversto fit your different needs, all at great values.

Why Buy?Furniture covers help prevent scratches, burns & more, while refreshing decor with different colors and styles. Not to mention these pet-friendly designs are comfortable so your cats & dogs can relax right next to you.


Furniture Deals

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


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

LINKY: Unbroken: A World War II Book


Price is $ $9.12

Regularly $16.00


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

Sears Coupons
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
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=4914762?storeId=10151&catalogId=10104&viewI...
Sports & Outdoors Deals

Kmart.com Coupons
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

Amazon Coupons
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

www.sears.com/automotive-batteries-car-batteries&DieHard_Sears/b...
Tools & Automotive Deals

Sears Coupons
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+

$5 flat rate shipping or free on $75+

www.childrensplace.com/webapp/wcs/stores/servlet/en/usstore/home
Baby & Kids Deals

The Childrens Place Coupons
.kingsizedirect.com/ $50 off $100+ order.
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


Clothing Deals

King Size Direct Coupons
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.)
Services Deals
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.

Arcos Series guitars feature Guilds signature arched-back body design. First introduced in the 1950s on some of our earliest acoustic guitar models, the Guild arched-back design enhances volume and projection while providing excellent structural stability. All Arcos Series models feature Guilds slim satin-finish mahogany neck and new larger medium jumbo frets for smooth, comfortable feel and effortless playability.

Other premium features include a solid Sitka spruce top, rosewood fingerboard and bridge, bone nut and saddle, koa rosette and Fishman electronics. An affordable guitar doesnt have to be a compromise, and Arcos Series guitars offer legendary Guild sound and playability at a very accessible price.

Series: Arcos Series
Body Material: Solid Sitka Spruce Top with Laminated Maple Back and Sides
Body Shape: Jumbo
Body Back: Laminated Maple
Body Sides: Laminated Maple
Body Top: Solid Sitka Spruce
Hand-Rubbed Satin Polyurethane
Bracing: Scalloped Sitka Spruce
Rosette: Koa Wood with B/W/B Outer and Inner Rings
Body Binding: Cream
Neck Shape: "C" Shape
Number of Frets: 20
Fret Size: Vintage-Style
Position Inlays: Mother-of-Pearl Dot
Fingerboard Radius: 12" (305 mm)
Fretboard: Indian Rosewood
Neck Material: Mahogany
Neck Finish: Hand-Rubbed Satin Polyurethane
Nut Width: 1.75" (44.45 mm)
Scale Length: 25.5" (648 mm)
Truss Rods: Dual-Action
Special Electronics: Fishman Presys Plus, Side-Mounted Preamp with Built-In Electronic Tuner
Hardware Finish: Nickel-Plated
Bridge: Rosewood
Tuning Machines: Die-Cast
String Nut: Bone
Pickguard: Black
Strings: Guild M-450C Standard Tension Coated Phosphor Bronze, (.013-.056 Gauges)
Unique Features: Laminated Maple Back, Koa Wood Rosette, Hand-rubbed Satin Finish, Gloss Top, Cream Body Binding, Cream with Black Dot? Bridge Pins, Bone Nut and Saddle
Case Gig Bags: Deluxe Polyfoam
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

3" commercial castor wheels with two that lock for safety

Height adjustable non-rolling/stationary feet included, allows shelving to hold up to 600 lbs. per unit

NSF rated for food safety

Shelves adjust at 1" increments

Dimensions: 72H x 48"W x 18"D

Heavy Duty Steel

Shelves are adjustable height at 1" increments

Commercial Grade Chrome Wire

Triple-Truss support

No Tools Required for Assembly

Maximum Weight Capacity for entire Unit: 3600 lbs.

Maximum Weight Capacity per shelf: 600 lbs. equally distributed

Maximum Weight Capacity for entire Unit when using the casters (wheels) instead of leveling feet is 500 lbs.

Dimensions: 48"L x 18"W x 72"H

www.ebay.com/itm/131262037751
Home & Garden Deals

eBay Coupons
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
Genifique Eye Cream
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
General Economics Deals
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

Appliance Deals

Amazon Coupons
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?
http://www.amazon.com/gp/product/B00428MY0U
4.6 out of 5 stars (89 customer reviews)

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



The Daily Walk Bible NLT: 31 Days with Jesus
http://www.amazon.com/gp/product/B00FEOFT0S
4.7 out of 5 stars (218 customer reviews)

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



All About Jesus: The Single Story from Matthew, Mark, Luke, & John
http://www.amazon.com/gp/product/B009MTOBCI
4.5 out of 5 stars (134 customer reviews)

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



Who is the Holy Spirit? (Crucial Questions Series Book 13)
http://www.amazon.com/gp/product/B00AW02OZ2
4.4 out of 5 stars (150 customer reviews)

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



Five Lessons from the Carmelite Saints That Will Change Your Life
http://www.amazon.com/gp/product/B00DBBA1BS/
4.6 out of 5 stars (99 customer reviews)

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



The Walk of the Spirit - The Walk of Power: The Vital Role of Praying in Tongues
http://www.amazon.com/gp/product/B00ARFNII4/
4.9 out of 5 stars (244 customer reviews)

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



Foundlings (The Peleg Chronicles, book one 1)
http://www.amazon.com/gp/product/B0073EXXO6/
4.6 out of 5 stars (103 customer reviews)

Awarded Best Book of the Year 2010-2011 from The Old Schoolhouse Magazine!
#1 Bestseller in Historical Fiction from Christian Book Distributors Spring 2011!
#1 Bestseller in Fantasy from Christian Book Distributors Summer 2012!
Books Deals

Amazon Coupons
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!
Totally Free Deals
Methodology used to calculate FICO scores changing
Added on : Thursday August 07th 2014 08:00:04 PM
g: 0 Posted By: brettdoyle
Views: 67 Replies: 0 A change in how the most widely used credit score in the U.S. is tallied will likely make it easier for tens of millions of Americans to get loans.

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

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

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

FICO Recalibrates Its Credit Scores

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

Paying off a collection may actually make sense now that it won't have an impact on your score... this may be useful for people negotiating debts in a situation where the creditor refuses to remove the tradeline.
Credit Deals
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...
SLR & dSLR Deals

eBay Coupons
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.
Discussion Deals
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
Daily Deals

woot! Coupons
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

Monitors Deals

eBay Coupons
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.
Totally Free Deals
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.

Totally Free Deals
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
Grocery Deals

Gevalia Coupons
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





Tools Deals

eBay Coupons
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





Discussion Deals
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."
Discussion Deals
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.
Totally Free Deals
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.


Women's
Men's
Kids'
Toddler
Shoes Deals

Kmart.com Coupons
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.
Discussion Deals
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
Cell Phones Deals

QVC Coupons
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
Discussion Deals
g: 0 Posted By: Deals4mykids
Views: 66 Replies: 0 Ten tales of mundane science fiction, of a universe askew, where things are slightly off.

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

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

He's been, at various times, a cottonpicker, a sod buster, a surgical orderly, the guy who paints the little white line down the middle of the road, a weatherman, and a gun-totin' door-kickin' lawman. He's married over 35 years now (yep, same woman), and has a wildman bass guitarist for a son.
Totally Free Deals
g: 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
Discussion Deals
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
Movies Deals

Walmart Coupons
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/



The Clothing Arts Adventure Travel Pant is a no-nonsense take on comfortable, travel clothing. These pick-pocket proof pants have three levels of security to protect your passport, ID, credit cards, and valuables. Cargo pockets resist cuts to protect your property. The Clothing Arts Travel Pant is also wrinkle-free, lightweight, and quick drying.

100% nylon Nature-Like fabric
Wrinkle-free and quick-drying for convenience
Lightweight and breathable, for comfort
Gusseted, snapping, buttoned, and zippered pockets for incredible security
Diamond gusset crotch for greater movability
Internal front pockets on both sides fit smartphones, ID, credit cards, cameras and more
Cut-resistant, double-secure side cargo pockets at your fingertips
Patented rear cargo pockets are gusseted to fit guidebooks
Hidden passport pocket within three levels of security


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.
Gift includes: Bi-Facil eye makeup remover
Creme Mousse Confort
Genifique Eye
Tonique Confort
Absolue Premium BX Creme
Bonus: Absolue Oleo Serum added with $75 order.

Free shipping at $49.

Lancome

Beauty Deals

Lanc�me Coupons
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
=12pxProduct Manual
Manual :=12pxJapanese, English, German, French, Spanish, Chinese, Russian, Korean
=12pxProduct Warranty
Music Deals

eBay Coupons
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

Dillard's Coupons
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)


Clothing Deals

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

Beauty Deals

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




Home Theater & Audio Deals

Newegg Coupons
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

~~~~~~~~~~~~~
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
Views: 131 Replies: 1 See Size OptionsSHANY Studio Quality Natural Cosmetic Brush Set with Leather Pouch, 24 Count

$18.50
$17.57Subscribe & Save
=1emSave more with monthly Subscribe & Save deliveries.
FREE Shipping on orders over $35
(831)
Show only SHANY Cosmetics items

See Style OptionsSHANY Cosmetics The Cosmopolitan Nail Polish Set (24 Colors Premium Quality and Quick Dry), 40 Fluid Ounce

$29.95
FREE Shipping on orders over $35
(374)
Show only SHANY Cosmetics items

SHANY Professional Makeup Kit, 78 Color

$18.95
$18.00Subscribe & Save
=1emSave more with monthly Subscribe & Save deliveries.
FREE Shipping on orders over $35
(223)
Show only SHANY Cosmetics items

See Scent & Size OptionsEO Hand Soap, Refill Size, Peppermint & Tea Tree, 32-Ounce Bottles

$16.90$16.68
FREE Shipping on orders over $35
(13)
Show only EO items

Fekkai Salon Tech Mask 7 Oz

$24.99$17.91
$17.01Subscribe & Save
=1emSave more with monthly Subscribe & Save deliveries.
FREE Shipping on orders over $35
(3)
Show only Fekkai items

Fekkai Prx Reparatives Mask 7 oz,

$23.23$17.15
$16.29Subscribe & Save
=1emSave more with monthly Subscribe & Save deliveries.
FREE Shipping on orders over $35
(5)
Show only Fekkai items

See Color Optionse.l.f. 83 Piece Essential Makeup Collection, 2.84-Ounce

$35.00$29.20
FREE Shipping on orders over $35
(40)
Show only e.l.f. Cosmetics items

Fekkai Prx Starter Kit, 1.000-Kit

$13.93$10.38
$9.86Subscribe & Save
=1emSave more with monthly Subscribe & Save deliveries.
FREE Shipping on orders over $35
(1)
Show only Fekkai items

Fekkai Salon Starter Kit, 1-Kit

$14.99$14.97
$14.22Subscribe & Save
=1emSave more with monthly Subscribe & Save deliveries.
FREE Shipping on orders over $35
(7)
Show only Fekkai items

Fekkai Essential Shea Pot De Crme 5.2oz, 5.200-Fluid Ounce

$23.23$20.58
$19.55Subscribe & Save
=1emSave more with monthly Subscribe & Save deliveries.
FREE Shipping on orders over $35
(19)
Show only Fekkai items

Fekkai Sheer Shape Styling Mousse 6 Oz, 6.000-Fluid Ounce

$18.58$12.63
$12.00Subscribe & Save
=1emSave more with monthly Subscribe & Save deliveries.
FREE Shipping on orders over $35
(2)
Show only Fekkai items

Fekkai Full Blown Volume Starter Kit, 1.000-Kit

$13.93
$13.23Subscribe & Save
=1emSave more with monthly Subscribe & Save deliveries.
FREE Shipping on orders over $35
(2)
Show only Fekkai items

Fekkai Full Blown Volume Aerosol Styling Whip 6oz

$19.99$13.37
$12.70Subscribe & Save
=1emSave more with monthly Subscribe & Save deliveries.
FREE Shipping on orders over $35
(24)
Show only Fekkai items

SHANY Cosmetics Mineral base Loose Pearl Eye Shadow Glitter/Eye Shadow 40pc Set with 2 Free Eye Shadow Brush and...

$59.95$49.74
FREE Shipping
(98)
Show only SHANY Cosmetics items

Fekkai Prx 3day Transformation Kit, 1.500-Fluid Ounce

$46.48$37.02
$35.17Subscribe & Save
=1emSave more with monthly Subscribe & Save deliveries.
FREE Shipping
(1)
Show only Fekkai items

Fekkai Essential Shea Mask 7 Oz

$24.99$21.77
$20.68Subscribe & Save
=1emSave more with monthly Subscribe & Save deliveries.
FREE Shipping on orders over $35
(3)
Show only Fekkai items

SHANY COSMETICS Makeup Brush Set for Professionals

$34.95
FREE Shipping on orders over $35
(27)
Show only SHANY Cosmetics items

SHANY Cosmetics Urban Gal Collection Brush Kit (18 Piece Pro Brushes with Zebra Magnetic Pouch), 13 Ounce

$19.95
FREE Shipping on orders over $35
(38)
Show only SHANY Cosmetics items

Fekkai Best Of Hair Care Trial Kit

$22.00$19.60
FREE Shipping on orders over $35
(9)
Show only Fekkai items

SHANY Cosmetics Urban Gal Collection Brush Set (9 Piece Natural Brushes with Roll-Up Pouch), 13 Ounce

$19.99$17.89
FREE Shipping on orders over $35
(13)
Show only SHANY Cosmetics items

e.l.f. 80 Piece Eye Makeup Palette

$20.00
FREE Shipping on orders over $35
(7)
Show only e.l.f. Cosmetics items

SHANY Cosmetics NY Collection Pro Brush Kit, 13 Ounce (22 Piece All Natural Bristles with Black Cotton Smooth...

$49.95$49.94
$47.44Subscribe & Save
=1emSave more with monthly Subscribe & Save deliveries.
FREE Shipping
(12)
Show only SHANY Cosmetics items

SHANY 100% Mineral Eye Shadow, Eye Shades, 8 Ounce

$39.95$31.12
$29.56Subscribe & Save
=1emSave more with monthly Subscribe & Save deliveries.
FREE Shipping on orders over $35
(8)
Show only SHANY Cosmetics items

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