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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
Having a family member help with down payment of a home in bay area.
Added on : Thursday September 11th 2014 12:00:23 PM
g: 0 Posted By: CaliforniaDriver
Views: 155 Replies: 7 Hello,
Family wants to help my wife and I buy our first home in the bay area.
Age: 28
Household income: $180k
Debt: Student loans about $20k
Car loan: $22k
Money for down payment: $60k

So as most of you know that bay area homes are crazy high priced but we dont foresee this to crash anytime soon. We would like to purchase a home since rent is around $2500 and feel like we are throwing it away every month. Our family wants to help but instead of a traditional loan and paying them back. We thought that maybe they can invest their part of the down payment with us. What I mean by that is if they put down $60k and match our $60k, we can put down 20% on a home. If we sell it in 5, 10, or 20 years, we would give them back the $60k along with the capital gains that would have come out of the $60k.

Any downfall with this plan? Worst case scenario is that we payback my family member the original $60k if the house doesnt go up in value. So no matter what, my family member would just lose out on opportunity cost of the interest they would receive on $60k but we will make sure they get it back. Are you able to designate title percentages on a home? I never owned one before. I just wonder if there is a way to designate like 10% of the title to my family member.
Real Estate 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
Amazon - List of Cookbooks, Canning Books & Recipes - Free KINDLE
Added on : Tuesday September 09th 2014 06:00:05 AM
g: 0 Posted By: CindyLouWho2
Views: 46 Replies: 0 ~~Amazon - List Of Food Books & Recipes - Free KINDLE
Amazon = Several Food Books and Cookbooks - healthy & unhealthy! Free Kindle
JeBouffe Home Canning Step by Step Guide (second edition) Revised and Expanded [Kindle Edition]This guide is intended to provide you with the essential information to make your first small jars in a safe and enjoyable way. It will guide you through all stages from preparation to storage of your products.You will discover the principles of conservation for different types of food, the benefits of home canning, the recommended methods as well as the ones to avoid.Then you will learn the two proper methods of treatment: the boiling water bath and the pressure canning methods. You will find a list of essential equipment and the detailed steps for a successful canning experience.Finally you will gain some hands on experience with our easy and delicious recipes.This guide do not claim to be scientific or complete. We simply wants to give you the tools you need to get into the fun activity of preparing your home preserves.About this second edition:
Following the success of the first edition, and thanks to some suggestions from our readers, we offer this revised version, corrected and expanded. We have included the imperial and some tables on the processing time for the preservation of the most popular fruits, vegetables, meat, poultry and fish. We also cover the effect of altitude on the processing time and pressure required for the safe canning of foods.Improving on the initial contents of this document we have also redesigned it to make it more educational, more fun to read and use.We hope that this new revision will meet your expectations and wish you a successful canning experience and "Bon appetit"=====12 recipes that will allow you to practice the canning techniques. They are divided into three levels of complexity:Level 1 = easy. The recipes are very simple. You can focus on techniques for canning without too much worry about the recipe itself.
Recipe # 1 - Apple sauce with a touch of nutmeg and vanilla (boiling water method)
Recipe # 2 - Canned Pears (boiling water method)
Recipe # 3 - Canned fresh tomatoes (pressure canning method)
Recipe # 4 - Canned Carrots (pressure canning method)2 = medium level. The recipes are a little more elaborate. There are more steps before moving on to canning.
Recipe # 5 - Tangerine marmalade (boiling water method)
Recipe # 6 Pork Cretons la JeBouffe (pressure canning method)
Recipe # 7 - Quick and Tasty Green Ketchup (boiling water method)
Recipe # 8 - Marinara Sauce (pressure canning method)Level 3 = complex. The recipes are longer and more complex. There are more steps before moving on to canning.
Recipe # 9 - Plum jam with cinnamon (boiling water method)
Recipe # 10 - Nectarine Chutney (pressure canning method)
Recipe # 11 - Cherries and Raspberries Spread (boiling water method)
Recipe # 12 - Kedjenou chicken (pressure canning method)By following these recipes step by step, we guarantee the success of your first home preserves. After having practiced the basic techniques you can apply them to your favorite recipes and get our book "JeBouffe Home Canning Recipes volume1" for even more idea.http://www.amazon.com/JeBouffe-Canning-second-Revised-Expanded-e... Recipes: Lose Weight And Feel Great With Fat Burning Nutribullet Recipes [Kindle Edition]
Sarah Harvey (Author)
5.0 out of 5 starshttp://www.amazon.com/Nutribullet-Recipes-Weight-Great-Burning-ebook/dp... in Your Skillet: A Collection of Skillet Recipes [Kindle Edition]
Dennis Weaver (Author)
3.8 out of 5 starshttp://www.amazon.com/Baking-Your-Skillet-Collection-Recipes-ebook/dp/B...
Easy Appetitzer Recipes
http://www.amazon.com/Easy-Appetizer-Recipes-Instructables-Autho...
Green & Lean: 20 Vegetarian and Vegan Recipes for Building Muscle, Getting Lean, and Staying Healthy [Kindle Edihttp://www.amazon.com/Green-Lean-Vegetarian-Recipes-Building-ebook/dp/B...
Canning and Preserving Basics for Sustainable Living (Sustainable Living & Homestead Survival Series... by Gaia Rodale (Jul 30, 2014) - Kindle eBookhttp://www.amazon.com/DIY-Pantry-Preserving-Sustainable-Homestead-ebook... Flour Recipes - 40 Gluten Free Rice Flour Recipes For All Occasions [Kindle Edition]
Sarah Stevens (Author)http://www.amazon.com/Rice-Flour-Recipes-Gluten-Occasions-ebook/...
Ten Brides Ten Heroes Cookbook
http://www.amazon.com/Ten-Brides-Heroes-Cookbook-ebook/dp/B00L4D... Free Cookbook for Busy People on a Budget: 50 Delicious 30-Minutes-or-Less Recipes for Weight Loss, Energy & Optimum Health [Kindle Edition]
Helen Marie (Author)http://www.amazon.com/Gluten-Cookbook-People-Budget-30-Minutes--...
***
Slow cooker chicken recipes
http://www.amazon.com/Slow-Cooker-Chicken-Recipes-Goodies-ebook/...
***'
Just Desserts [Kindle Edition]
Kemberlee Shortland (Editor)
http://www.amazon.com/Just-Desserts-Kemberlee-Shortland-ebook/dp... Ice Cream : 30 Home Made, Paleo Friendly, Ice Creams To Keep You Cool And Happy! [Kindle Edition]
Dan Thompson (Author)
4.9 out of 5 stars See all reviews (13 customer reviSummer is here and don't we all just love our ice cream!But what is you are committed to a Paleo Diet? Would you let some ice cream break your commitment?Now, you don't have to!With this book, Paleo Ice Cream. you can enjoy delicious ice cream free of Gluten, Dairy and any kind oof artificial ingredientet. Simply follow the recipes and have you own, Paleo Frienfly ice cream prepared right in your home.http://www.amazon.com/Paleo-Ice-Cream-Friendly-Creams-ebook/dp/B...
****
Burger Recipes: Juicy, Succulent Burgers Everyone Will Love (Everyday Recipe) [Kindle Edition]
Ranae Richoux (http://www.amazon.com/Burger-Recipes-Succulent-Everyone-Everyday...
Totally Free Deals
How to find fair market value of a house and lot
Added on : Monday September 08th 2014 11:00:12 AM
g: 0 Posted By: drdobro
Views: 79 Replies: 4 I am a babe in the woods when it comes to real estate dealings. My wife and I bought our home28 years ago and have lived there since, and that transaction is the extent of my experience. I hope some knowkedgeable folks can offer me advice on the following.My mother, 85 years old and widowed, has decided that her single-family home (3 bedroom ranch and acre lot) is too much. She and my father bought the place in 1967 and it has been kept up well. She wants to move into Section 8 housing, at a nice elderly apartment complex less than a mile from her house.On the Section 8 application, she has to list the "fair market value" of her property, which will not be sold until after she moves (waiting list 12 to 18 months). I asked the people at the housing office what they need, and they said they need a statement of fair market value from a realtor.What would be a typical fee for this kind of appraisal? Should we make any promises about listing the property with the realtor when it comes time to sell? Any pitfalls I should watch out for?Thanks in advance for any assistance.
Question Deals
Monoprice 10% off sitewite Today Only 9/8/2014
Added on : Monday September 08th 2014 08:00:07 AM
g: 0 Posted By: tinman951
Views: 207 Replies: 0 Monoprice.comis offering an additional 10% off Sitewide when you apply coupon code 10SLICKDEALS at checkout.
I confirmed on chat with Monoprice sales at 12pm MDT and it was valid. "that coupon code is still active until the end of the day today. It is for 10% off your entire order up to $500. "
There are a few exclusions. Limit one coupon per customer. Offer excludes the following brands: Yamaha, Xbox, PlayStation, Tamron, ORIGIN and 3D printer.
Remember the Monoprice Cash Back of 2%. (If anyone wants to tell me how to add that link I would appreciate it)
Electronics Deals

Monoprice Coupons
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
New Balance 470 Men's Running Shoe $34.99 @ Joe's New Balance
Added on : Friday August 29th 2014 01:00:04 AM
g: 0 Posted By: ctgolfer
Views: 207 Replies: 0 shipping adds $3.50

Built for the runner who wants a well cushioned ride with a great fit and feel.

Blown rubber forefoot for lightweight cushioning
Synthetic/mesh upper provides lightweight comfort and support
Ndurance rubber compound for maximum outsole durability
Color: Silver with Black & Red

www.joesnewbalanceoutlet.com/detail.asp?style=M470WRL3
Shoes Deals

Joe's New Balance Outlet Coupons
g: 1 Posted By: remick
Views: 260 Replies: 1 http://www.amazon.com/gp/product/B00E1O6VG8/

4.6 out of 5 stars (84 customer reviews)

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

No one ever said life was going to be easy. Between financial struggles, marital issues, health scares, and the regular, run-of-the-mill problems of everyday life, its easy to feel weighed down and trapped by your circumstances. In times like these, its tempting to just throw in the towel and quit. Well, dont do it!

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

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



also free

Charisma on Command: Inspire, Impress, and Energize Everyone You Meet
http://www.amazon.com/gp/product/B00MX95J48
4.9 out of 5 stars (9 customer reviews)


Anger Management: Effective Anger Management Using an Easy and Practical Approach to Cognitive Behavioral Therapy and Mindfulness Meditation (Anger Management ... Behavioral Therapy Made Simple Book 1)
http://www.amazon.com/gp/product/B00MNZU0W8/
5.0 out of 5 stars (6 customer reviews)


FLOW
http://www.amazon.com/gp/product/B00FARDD0M/
4.8 out of 5 stars (6 customer reviews)

FLOW: Written for people of PASSION - coaches, consultants, authors, artists, teachers, trainers, mentors, marketers, enlightened entrepreneurs and everyone who truly wants to wake up the WORLD through your work........
FLOW is about finding your place - and discovering your purpose - and most of all....finding magic, meaning and MOJO while following a professional path that is uniquely yours.
If you've ever struggled with how to turn your passion and purpose into a profitable brand, blog, BOOK or business that you love .......FLOW was written for You.
Books Deals

Amazon Coupons
To file or not to file? Homeowner's insurance claim..
Added on : Saturday August 23rd 2014 11:00:33 PM
g: 0 Posted By: featherz
Views: 36 Replies: 0 Just had our well pump go out - so no water (fun fun). We called out a bunch of guys to look at it and clueless (sorry honey!) hubby picked a really pricey guy when I was off at work. The price to fix the pump NOW was most likely jacked up as he told my DH that it was a lightning strike and that it would be covered by homeowner's insurance. DH thought 'woohoo, free!'. Pump was replaced, cost about 1K too much, but that's water under the bridge. Background - this is possibly a 40 year old well pump, almost 300 foot deep, galvanized pipe that was also replaced during the fix.

When examining the pump, it looks like the contractor may have been correct - there are small burned holes on either side of the pump. We have had lots of lightning lately and even a storm the day of the pump going out. I don't see any obvious strike, but not sure that matters.

Hubby wants to file a HO claim to pay the bill - after deductible, this would be a $2600 claim. We pay about $900/year in insurance and have a $243 'claims free' discount.

What think the FW community? We've already paid for it - and I'm not sure the insurance will allow this charge since it's already been repaired and they had no chance to come out first (we had no water so it was a rush job). They may disallow all or part of the claim for the age of the pump and/or replacing the galvanized pipe (not technically necessary to restore water).

I say it's not worth the claim and we just have to suck it up.. but if I am wrong, we could get part of this pricey fix back so I figured it was worth a check.
Real Estate Deals
New Balance 470 Women's Running Shoe $34.99 @ Joe's New Balance
Added on : Saturday August 23rd 2014 10:00:08 PM
g: 0 Posted By: ctgolfer
Views: 98 Replies: 0 Description
Built for the runner who wants a well cushioned ride with a great fit and feel.

Blown rubber forefoot for lightweight cushioning
Synthetic/mesh upper provides lightweight comfort and support
Ndurance rubber compound for maximum outsole durability
Color: White with Pink

www.joesnewbalanceoutlet.com/detail.asp?style=W470WPL3
Shoes Deals

Joe's New Balance Outlet Coupons
g: 0 Posted By: remick
Views: 161 Replies: 0 http://www.amazon.com/gp/product/B00MG7BYFU/

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

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

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

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

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

"Ira Berkow is one of the best sportswriters around, so it is no surprise that his basketball odyssey is one of the best sports books of this or any other year."George Plimpton
Books Deals

Amazon Coupons
Partner paying rent in house you own
Added on : Tuesday August 19th 2014 06:00:11 AM
g: 0 Posted By: LucJoe
Views: 229 Replies: 8 Hi guys, posting due to concerns brought up in this thread:Taxes for receiving "gifts" from friends living with me

My GF currently chips in a fixed amount to split rent with me. I never thought there were any tax implications from this, we're both on the lease but the landlord wants one check so she just pays me. Should be fine.

I am buying a house very soon. She will not be on the mortgage at all and I will be paying a large down payment by myself. The house is a very nice upgrade over our previous rental, about twice the size, etc. But my monthly cost is going to remain about the same, so I was planning to ask her to continue to chip in the same fixed amount as before. Do I need to write up a renter's agreement and count this as income?
Personal Finance Deals
g: 0 Posted By: remick
Views: 43 Replies: 0 http://www.amazon.com/dp/B001KW08ZY

4.4 out of 5 stars (49 customer reviews)

Basic Music Theory takes you through the sometimes confusing world of written music with a clear, concise style that is at times funny and always friendly. The book is written by an experienced teacher using methods refined over more than ten years in his private teaching studio and in schools. Lessons are short, well-paced and enjoyable. Whether you're a beginner of any age, whether you're an experienced player who wants to bone up on your theory, or whether you teach music and need a fun way to do it, you'll find this book valuable and will refer to it again and again.

You will discover how easy it is to:

* Learn quickly and efficiently with easy lessons designed by a professional teacher.
* Learn the symbols used in written music.
* Understand the terms musicians use.
* Learn the piano keyboard and the guitar fretboard.
* Use memory devices to learn terms and symbols.
* Use the included study guides to remember it all.
* Apply what you have learned with short, easy Practical Use sections at the end of each Chapter.
* Tune in to radio shows, television shows and the Internet to find musicians demonstrating great music.


With Interludes On:

* How to practice. Some topics: equipment, how to improve, ear training, listening, private teachers.
* Conducting. What does all that arm-waving mean? How does it help? Find the answers and learn how!
* Learn Some Italian. Many musical terms are in Italian. Learn them in this section.
* Ultra-brief history of music notation.

Special Features:

* Piano Keyboard w/ Note Names
* Guitar Fingerboard w/ Note Names
* Practice Aids
* Staff Paper
* Specially Designed Reviews
* Practical Use Exercises
* Extensively Cross-Referenced
* Musical Terms Dictionary
* Book Index
* If you are a teacher, you might be interested in the FREE Teacher's Supplement. It contains quizzes and keys, each with four different versions to curb cheating.
Books & Magazines Deals
g: 0 Posted By: tedhawkins
Views: 70 Replies: 0 Accutire Digital Tire Gauge with LCD Display $7.49 Fs to store @ Sears

http://www.sears.com/accutire-digital-tire-gauge-with-lcd-displa...

Accutire Digital Tire Gauge Lets You Drive Safely

Everyone knows how important it is to keep your tires inflated properly with a digital tire gauge, right? Well if you're new to driving, or just didn't know how necessary it is, now's the time to make sure all of your tires have just the right air pressure. With a trusted name like Accutire, you know your tires are in good hands. The digital gauge provides you with features like an ABS rubber-coated handle and an easy-to-read, extra-large LCD, so you can tell psi at a glance. Accutire Digital Tire Gauge makes it simple for anyone to use and feel confident in its reading.

The accuracy that the Accutire Digital Tire Gauge gives you will have you so amazed, you'll be buying them to stuff in everyone's stocking's, even if it's not Christmas! The Accutire Standard Digital Tire Gauge includes a long-lasting lithium battery, convenient and ideal. No one wants to have to pull over on the side of the road and deal with changing a tire, so with a tire that is deflating, you'll want as accurate of a read as you can get. You'll be sure to get that with this gauge!
Tools & Automotive Deals

Sears Coupons
g: 0 Posted By: Ayla
Views: 93 Replies: 0 Stephen King: Mr. Mercedes: A Novel [Kindle Edition] - $11.99 at Amazon


http://www.amazon.com/Mr-Mercedes-Novel-Stephen-King-ebook/dp/B0...


Print List Price: $30.00

Kindle Price: $11.99



If you purchase this book, you will automatically receive a promotional code via email to get other, selected Kindle books for only $1.99 each. Please note that the promotional code will not apply to orders placed in the Amazon Kindle Store prior to the receipt of this email




In a mega-stakes, high-suspense race against time, three of the most unlikely and winning heroes Stephen King has ever created try to stop a lone killer from blowing up thousands.

In the frigid pre-dawn hours, in a distressed Midwestern city, hundreds of desperate unemployed folks are lined up for a spot at a job fair. Without warning, a lone driver plows through the crowd in a stolen Mercedes, running over the innocent, backing up, and charging again. Eight people are killed; fifteen are wounded. The killer escapes.

In another part of town, months later, a retired cop named Bill Hodges is still haunted by the unsolved crime. When he gets a crazed letter from someone who self-identifies as the perk and threatens an even more diabolical attack, Hodges wakes up from his depressed and vacant retirement, hell-bent on preventing another tragedy.

Brady Hartsfield lives with his alcoholic mother in the house where he was born. He loved the feel of death under the wheels of the Mercedes, and he wants that rush again. Only Bill Hodges, with a couple of highly unlikely allies, can apprehend the killer before he strikes again. And they have no time to lose, because Bradys next mission, if it succeeds, will kill or maim thousands.

Mr. Mercedes is a war between good and evil, from the master of suspense whose insight into the mind of this obsessed, insane killer is chilling and unforgettable.



Books Deals

Amazon Coupons
g: 5 Posted By: VivYip
Views: 375 Replies: 0 Amazon has the kindle edition of the following for $0.99:

Oz: The Complete Collection (All 14 Oz Books, with Illustrated Wonderful Wizard of Oz, and Exclusive Bonus Features)
Welcome to the Wonderful World of Oz!

Fans of L. Frank Baums Oz books, you are in for a treat. Collected here is the ultimate Kindle edition of the beloved series starring such timeless characters as Dorothy, the Tin Man, the Scarecrow, the Cowardly Lion, and the Wicked Witch of the West.

Included in OZ: The Complete Collection are:

All fourteen Oz books written by L. Frank Baum.
The first book, The Wonderful Wizard of Oz, is illustrated with the classic W.W. Denslow artwork.
Links to free, full-length audio recordings of all the Oz books in this collection.
An individual, active Table of Contents for each book accessible from the Kindle go to feature.
Perfect formatting in rich text compatible with Kindles Text-to-Speech features.
A low, can't-say-no price!

Fourteen Complete Works

All fourteen of L. Frank Baum's Oz books, in order and unabridged. Books included:

1. The Wonderful Wizard of Oz (1900)* Includes Original Illustrations by W.W. Denslow!
2. The Marvelous Land of Oz (1904)
3. Ozma of Oz (1907)
4. Dorothy and the Wizard in Oz (1908)
5. The Road to Oz (1909)
6. The Emerald City of Oz (1910)
7. The Patchwork Girl of Oz (1913)
8. Tik-Tok of Oz (1914)
9. The Scarecrow of Oz (1915)
10. Rinkitink in Oz (1916)
11. The Lost Princess of Oz (1917)
12. The Tin Woodman of Oz (1918)
13. The Magic of Oz (1919)
14. Glinda of Oz (1920)

Beyond the Yellow Brick Road

Also included are special features for any Oz enthusiast, including:

A complete list of all Oz books in the official canon by other authors.
A list of Oz films and television series, both directly and indirectly inspired by L. Frank Baums masterpiece.
Links to free, full-length audio recordings of all the Oz books in this collection

This version has illustrations and has all of the books in one location. However, if person doesn't need the illustration or just wants the books free, I am including the Gutenberg Project's link for the author:
http://www.gutenberg.org/ebooks/author/42

Frankly, I would rather pay the $0.99 since I had fond memories of going to the library and checking out the paperback versions and really liking a few of the series. I hope this might help someone. Thank you for reading.
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Amazon Coupons
Where is the money?
Added on : Wednesday August 13th 2014 03:00:06 PM
g: 0 Posted By: readytofly
Views: 171 Replies: 4 As I write this, I am contemplating my next move. Actually, I have been contemplating for a while. I am currently trying to finish my degree in finance. I took a construction job making more money than I thought I would be making, but its not what I want to do forever, its just paying the bills. Everyday my parents are breathing down my neck, asking me what I am going to do. My dad always tells me "I can get you this job here making XXXX", and its always something I dont want to do, and it just makes me so mad, but I know he just wants me to figure everything out.

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

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

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


New User Question Deals
Nokia Lumia 635 (T-Mobile) LTE Windows Phone 8.1 $105 FS @newegg
Added on : Wednesday August 13th 2014 11:00:04 AM
g: 1 Posted By: sproqit
Views: 211 Replies: 1 Not super hot, but a goodbuy for anyone wants a new beginner Windows phone 8.1.

Newegg.comhas Nokia Lumia 635 (T-Mobile) LTE Quad-Core 1.2GHz Windows Phone 8.1 Cell Phone for $105 ($120 with $15 off prom code CEWK1918). Free shipping.

Windows Phone 8.1
Wi-Fi/GPS
4.5" IPS LCD Touch Screen
5.0 MP 720p HD Video Capture
8GB Memory
MicroSD card slot (up to 128GB)

Review: 4.5/5 onAMZN ($130 as of 8/13/14 1:30pm PDT)

Make it even better:
Buy with Citi Wallet MasterCard deal for $25 additional savings, could bring the cost down to $80
http://www.fullofdeals.com/forums/hot-deals/1380386/


Cell Phones Deals

Newegg Coupons
Former employer wants money back
Added on : Monday August 11th 2014 04:00:09 AM
g: 0 Posted By: rjdoc74
Views: 111 Replies: 3 Just trying to see if someone is knowledgeable about this on here. Long story short, my wife just finished a 1 year long medical fellowship program at a major university. She was considered an employee of the hospital and received a monthly salary. Mid-year, we received a letter stating that the hospital re-classified all the fellows from being "trainees" to being "clinical instructors" and her that her federal and state contributions will change. Because of this, her paycheck went down by ~$300 per month. Fine, there was nothing we could do. Now, her employment concluded on 7/7/14. Last night we had received a letter stating that now they want ~$1500 BACK for overpayment due to this issue for first 6 months of her employment. We could not believe this. They told us that this "reclassification" took place as of 1/1/14 but now they want money back for previous 6 months as well. Do we just tell them to go pound sand? Or Do they have any kind of legal standing here? Any advice is appreciated!
Personal Finance Deals
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
g: 0 Posted By: KidCharliemain
Views: 147 Replies: 0 Summer clearance time at Lord & Taylor, they have lots of nice items but this post will focus on mens sport coats & blazers. Discount code AUGUST takes 25% off clearance items and 15% off regular priced & sale items with quite a few EXCLUSIONS,but as far as I can tell the code works on all the items I'll be posting here. Free two day shipping with Shoprunner, if you don't have Shoprunner L&T gives free standard shipping on orders $99 and up. All sizes mentioned in stock at time of posting, listed in no particular order. Even though I try and stay away from acrylics and man-made fabrics, I'll include them for completeness. Brand name in caps, sizing information available on linked pages:

CALVIN KLEIN JEANS Simple Two Button Blazer
In black, sizes Large and Extra Large, WEB ID #: 0150-MF33J03, original price $129.50 now $64.75 - 25%
FINAL PRICE $48.56
Subtle yet dashing, this simple two-button blazer by Calvin Klein is an effortless addition to your professional wardrobe. Match it with a solid or patterned dress shirt underneath for a chic and stylish look.

Notched collar
Front button closure
Decorative pockets
Approximate length from shoulder to hem for size 38R: 30"
Sleeve length: 29"
Shell: polyester/rayon/spandex; lining: polyester
Dry clean
Imported

BLACK BROWN 1826 Tweed Two Button Sport Coat
In coal tweed, size Large, WEB ID #: 0204-B1F3WJ9003EA, original price $129.50 now $49.98 - 25%
FINAL PRICE $37.49
This tweed sport coat from Black Brown 1826 calls to mind classic European style. Designed with patch and zip pockets with herringbone elbow patches and a regular fit, this sport coat boasts a casual, polished vibe, perfect for the modern gentleman.

Notched lapels
Two-button closure
Four-pocket design
Functioning button placket at sleeves
Back double vent
Wool/nylon; lining: polyester
Dry clean
Imported

BLACK BROWN 1826 Tweed Sport Coat
In light brown, sizes Small and Large, WEB ID #: 0204-B1F3WJ9004EA, original price $129.50 now $49.98 - 25%
FINAL PRICE $37.49
This tweed sport coat from Black Brown 1826 calls to mind classic European design. Crafted with patch and zip pockets, velvet elbow patches and a regular fit, this sport coat boasts a casual, polished vibe, perfect for the modern gentleman.

Notched lapels
Two-button closure
Four-pocket design
Back double vent
Wool/nylon; lining: polyester
Dry clean
Imported

BLACK BROWN 1826 Slim-Fit Herringbone Sport Coat
In coal grey, sizes Large & Extra Large, WEB ID #: 0204-B1F3WJ9001EA, original price $129.50 now $49.98 - 25%
FINAL PRICE $37.49
Complement denim to dress pants with this slim-fit herringbone sport coat from Black Brown 1826. Crafted with notched lapels, a double back vent, and elbow patches, this sport coat boasts a classic design with modern details.

Notched lapels
Two-button closure
Patch pockets and welt-zip pockets
Back double vent
Wool/nylon; lining: polyester
Dry clean
Imported

BLACK BROWN 1826 Checked Sport Coat
In camo brown, size Medium, WEB ID #: 0204-B1F3WJ2000EA, original price $250.00 now $87.99 - 25%
FINAL PRICE $65.99
English sport coat meets avant-garde style in this sport coat from Black Brown 1826. Featuring a checked wool-blend fabrication, a double back vent, and elbow patches, this sport coat boasts a modern design, perfect for everyday polish.

Notched lapels
Two-button closure
Patch pockets at sides and chest
Welt-zip pockets at side and interior
Wool/nylon; lining: polyester/viscose
Dry clean
Imported


BLACK BROWN 1826 Twill Sport Coat
In blue print, size Extra Large, WEB ID #: 0204-B1F3WJ1000EA, original price $250.00 now $69.98 - 25%
FINAL PRICE $52.49
This twill sport coat from Black Brown 1826 calls to mind English countryside style. Designed with flap pockets, topstitched elbow patches and a regular fit, this sport coat boasts a casual, polished vibe, perfect for the modern gentleman.

Notched lapels with button tab
Two-button closure
Three-pocket design
Back double vent
Wool/polyester; lining: polyester/viscose
Dry clean
Imported

BLACK BROWN 1826 Twill Sport Coat
In coal grey, sizes Small Medium Large & Extra Large, WEB ID #: 0204-B1F3WJ1002EA, original price $250.00 now $69.98 - 25%
FINAL PRICE $52.49
This twill sport coat from Black Brown 1826 calls to mind English countryside style. Designed with flap pockets and seaming details with a regular fit, this sport coat boasts a casual, polished vibe, perfect for the modern gentleman.

Notched lapels
Three-button closure
Three-pocket design
Functioning button placket at sleeves
Back double vent
Wool/nylon; lining: polyester/viscose
Dry clean
Imported

BLACK BROWN 1826 Corduroy Cotton Sport Coat
In burnt copper, sizes Small Medium & Large, WEB ID #: 0204-B1F3WJ2002EA, original price $250.00 now $49.98 - 25% FINAL PRICE $37.49
Classic and versatile, this corduroy sport coat from Black Brown 1826 is a wardrobe staple. Featuring a pure cotton fabrication, a double back vent, and peaked lapels, this sport coat boasts modern, casual style.

Peaked lapels
Two-button closure
Flap-patch and slip pockets
100% Cotton; lining: polyester/viscose
Dry clean
Imported


There are more clearance items available as well but the wife wants to go out tonight and I've gotta go change, so here's the main link to blazers etc. sorted by price:

LINK & TAYLOR

Be forewarned, the site is dog slow and the search and sort functions SUCK, so be prepared to invest some time. If the markdown price is followed by CLEARANCE, code deducts 25%. If the markdown is followed by SALE, code deducts 15%. If the markdown is followed by SMART VALUE, item is exempt and code won't work. HAPPY HUNTING!
Clothing Deals

Lord and Taylor Coupons
Friend wires large-sum money from overseas
Added on : Wednesday August 06th 2014 06:00:03 AM
g: -1 Posted By: dtzboy
Views: 127 Replies: 3 Hi All
a close friend wants to wire large-sum ( > 300k) into my bank account, and i would use this money to help him buy some big ticket items and pay off his bills.
is this okay? will i have any issue with IRS?
i am not making $$ on this. i am just trying to help a friend.

Thanks FWers.


Personal Finance Deals
g: 0 Posted By: DaysFan
Views: 36 Replies: 0 linked
http://www.kingsizedirect.com/Moisture Wicking Pullover HoodieWas: $54.99 Now: $11.99 - $14.99 Clearance: Up to 78% offItem #: 1165-94225-1087The cold is no problem at all in this warm and comfortable mens pullover sweatshirt. Drawstring hood for an adjustable fit around the neck. Ribbed-knit cuffs and hem keep hoodie in place. Convenient pouch pocket.

roomy fit designed for big and tall men
cotton/polyester knit
machine wash; imported

Big and tall pullover hoodie in sizes XL, 2XL, 3XL, 4XL, 5XL, 6XL, 7XL, 8XL, LT, XLT, 2XLT, 3XLT, 4XLT, 5XLTBig length - abt. 32"Tall length - abt. 34"Read more:
Allover comfort with room to spare, this durable hoodie is a go-to for anyone's winter wardrobe. The drawstring hood and spacious front pocket can ensure your triumph over any wind or weather. The ribbed knit cuffs allow for maximum comfort for the man who wants to relax in style, or stay snug on the go. This sturdy sweatshirt can be worn again and again, and with a wide variety of colors to choose from, you'll look great in any situation. The simple machine wash makes for an easy turnaround for washing and wearing over and over.Reasons to Buy:Customers love the soft comfort and warmth of this pullover

http://www.kingsizedirect.com/Big-and-Tall-View-All.aspx?DeptId=24341

Clothing Deals
Retracted stock option grant in latest review
Added on : Thursday July 31st 2014 07:00:13 PM
g: 0 Posted By: ihaslittledolla
Views: 76 Replies: 0 In my most recent review, I was granted an additional x number of shares. Before the board meeting where this could be approved, an offer was put on the table to acquire the company. Now the company wants me to sign a letter agreeing to give up those shares as it is "not in the best interest of the company and its stockholders". The way it's been explained to me is that once the offer was on the table, the company has a different valuation. Hence, the strike price of the shares goes up to the same amount of the offer on the table. Hence, it would be of no gain to me since the price for me to acquire it would be the same price the shares would sell at.

Instead, they want me to sign a release agreement agreeing to give up those shares and they claim that in the retention package, this has been factored in and the retention package is now higher (presumably) as a result. I have no way to verify this portion other than to trust them.

Is this a valid thing (ie. legal) for the company to do? And if so, should I go ahead and sign? Has anyone experienced this and can share what happened?
Investing Deals
What kind of roommate agreement do I need?
Added on : Tuesday July 29th 2014 04:00:10 PM
g: 0 Posted By: jonny4
Views: 167 Replies: 3 I own a home and I have a spare bedroom. I have a friend, 1 of 3 people I trust, who needs a place to stay. I am looking to get her to sign a roommate agreement but she is describing items she would like included and some stuff seems more like roommate items and some seem like owner and renter/subletter.

She wants the room completely to herself and wants me to never come in even if I have to fix items, basically like the roomis an apartment or home.
Shekeeps to talking about decorating the shared areas of the house.
She wants to add her stuff to my living room, dining room and kitchen, she has more than me right now because I had been renovating and threw a bunch of old stuff out.
I also think she wants to store what she can't fit in the room in my garage and she is moving out of a 1 bedroom apartment so I am assuming she has a lot.

I am looking at different example contracts or agreements and it seems like a roommate is a co-habitation type item and this would be decorating and adding her stuff.
It seems like owner/tenant agreement/contracts are more what she wants when she talks about the room being completely off limits.

I can admit that even though I trust her I don't trust some of the people she knows and do worry about my stuff disappearing.

I am curious what you guys suggest I do. I am going to sit down and talk to her tomorrow and get a clear set of expectations from her to further clarify.
Question Deals
g: 0 Posted By: letsspendlotsofmoney
Views: 90 Replies: 0 My sister wants to buy this car and I have a feeling that this was part of a "buy back" or lemon..

It's currently listed on eBay http://www.ebay.com/itm/Ford-Taurus-Limited-Navigation-Heated-Cool-Leather-Back-Camera-used-4-dr-sedan-warranty-v6-bluetooth-/231262430538?forcerrptr=true&hash=item35d850a54a&item=231262430538&pt=US_Cars_Trucks

They are heading down friday to pick the car up and I am thinking the red flags are a reason to run from this car. We are a loyal Ford family but when a vehicle less than 2000 miles and needed the engine replaced and battery recently I would think that would be reason to run.


Below is the carfax report:
05/25/2013 NICB Vehicle manufactured
and shipped to original dealer 05/31/2013 New York
Motor Vehicle Dept.
East Elmhurst, NY Registration issued or renewed
Titled or registered as rental
vehicle
Passed safety inspection 06/21/2013 New York
Motor Vehicle Dept.
Virginia Beach, VA Title issued or updated
First owner reported
Loan or lien reported 08/12/2013 1,846 Auto Auction
Northeast Region Sold at auction

Millions of used vehicles are bought and sold at auction every year.


08/13/2013 Ohio
Motor Vehicle Dept. Vehicle purchase reported 10/24/2013 1,857 Dealer Inventory Vehicle offered for sale 11/04/2013 Elyria Ford
Elyria, OH
440-366-3673
elyriaford.com Engine removed to complete repair
Engine checked
Engine replaced 01/22/2014 Ohio
Motor Vehicle Dept.
Elyria, OH
Title #4702813463 Title issued or updated
Dealer took title of this vehicle
while it was in inventory 03/13/2014 1,895 Elyria Ford
Elyria, OH
440-366-3673
elyriaford.com Maintenance inspection completed
Battery replaced
Battery/charging system checked
Battery/charging system/starter checked
Starter replaced
Tire condition and pressure checked 05/29/2014 Ford Motor Company Manufacturer Safety recall issued
Recall #14S08
LICENSE LAMP ASSEMBLY REPLACEMENT

Locate an authorized Ford or Lincoln Mercury dealer or call 866-436-7332 to obtain more information about this recall

Question Deals
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
Pay off student loans or fund 401K?
Added on : Sunday July 27th 2014 08:00:08 AM
g: 2 Posted By: dyslexiateechur
Views: 135 Replies: 8 Hi all. Hubby and I have just paid off a mortgage and we can't agree on what to do next with our spare funds.

I already fund my 401K to the full match that my company offers (3% full and then a smaller match up to 5%), but I started paying into it late so it's less than what it should be for someone my age (32) IMO.

On the other hand, I have student loan debt that I pay slightly above the monthly payment on--and I have a long way to go to pay it off. No private loans, just federal. Interest rate is around 4% I believe (I'd have to look it up to give the exact).

Hubby wants to aggressively pay down the student loans, but I'm thinking that (for tax purposes at least), it would be better to start putting more money into the 401K, even if it's not yielding a lot at the moment.

Which one (if either) would you pick?
Investing Deals
Free Chromatic Tuner with Tone Generator for iOS
Added on : Thursday July 24th 2014 05:00:20 AM
g: 0 Posted By: remick
Views: 75 Replies: 0 https://itunes.apple.com/us/app/id528923171?

***Featured on Apple's "New and Noteworthy","New", in US, UK, Australia and many more stores.***
*** Featured by FWA Mobile "Mobile of the Day" ***

insTuner is a chromatic tuner that helps you tune instruments quickly and accurately. It also features a Tone Generator just like a pitch pipe with four different wave forms.

With advanced DSP (Digital Signal Processing) algorithm, it is highly accurate (1/1000 semitone or 0.1 cent precision). Rather than providing only one mode like other tuners, insTuner supports different tuning units applicable to different situations, such as Instant Tuning Unit for quick tune and play, Fine and Strobe Units for accurate tuning, FFT Unit for sound analysis etc. What's more, many advanced features are provided such as Concert A calibration, historical temperaments and transpositions, which make it more powerful than other tuners.

insTuner is well-designed and easy to use. It features a unique "fixed" note wheel, which helps you to find the position of detected pitch easily. You can also use it as an electronic pitch pipe to tune by ear, matching the generated tones.

It is suitable for tuning acoustic or electric guitar and bass, ukulele, mandolin, banjo, bouzouki, bowed strings, woodwinds, brass, timpani and more. In fact, almost any instrument that sustains a tone can be tuned using insTuner. It supports Built-in Microphone as well as Line-in and other audio interface such as Apogee One. Clip Microphone is supported too.


=== FEATURES ===
* Universal App, purchase once, available on all of your iOS devices: iPhone/iPhone5/iPod/iPad.
* Supported both Landscape and Portrait mode
* Precise to 1/1000 semitone (0.1 cent)
* Tuning Range from C0 to B8, covering the range of almost all of musical instruments
* Instant Tuning Unit
* Strobe Tuning Unit
* Fine Tuning Unit with a highly responsive tuning meter for perfect tuning
* Historical Curve Unit that shows tuning results over time
* FFT Tuning Unit for frequency analysis with Log, Linear or Note Display options
* Real-time Spectrogram Unit with Log, Linear, Note and Median Frequency Display options for real-time audio analysis
* Well-designed "Fixed" note wheel display
* Adjustable A4 (Concert A) calibration in 0.1 Hz increments
* >30 historical temperaments
* Customizable temperaments
* 12 notations
* Needle damping
* Customizable transposition options for transposing instruments
* Tone generator with four wave forms
* Line-in and Built-in Microphone Modes
* Customizable Input Channels
* Supported Apogee One


Our customers said:

Best tuner Ive ever had. Im a professional clarinetist, and Ive told all of my musician friends to use this app.

I highly recommend this app and who can beat the price. My violin teacher compared it to her personal device. She wants an ipad to get the app for her personal use.

I have the iPhone 5 and play tenor sax, I compared this to a 40 dollar tuner and its perfect

As a high school band director, I use this tuner more often than my strobo tuner. Besides the obvious portability, it is actually a bit more sensitive than the multi thousand dollar strobo and I Iove the multitude of options!

Absolutely love this app. I use it for my guitar, my sons violin and upright bass. The new features are even more amazing
Totally Free Deals
Free ($5) 5,000 Points on Shopyourway
Added on : Tuesday July 22nd 2014 03:00:08 PM
g: 0 Posted By: ronmax
Views: 0 Replies: 0 If you signup with a Personal Shopper by Thursday 07/24/14 On Friday you will get ($5) 5,000 in points Free.
They are good for three days.


My link if anyone wants to join with mehttp://syw.co/lovincoupons
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
Making money on the side at foreclosure sales.
Added on : Saturday July 19th 2014 07:00:08 AM
g: 0 Posted By: atikovi
Views: 114 Replies: 2 I was watching HGTVs Flip It To Win It show about flipping foreclosures. It shows buyers bidding against each other to win a house. Say you know another bidder really wants a house that is worth about $500,000 and you are pretty sure he will bid that high and so will you. Why not make a deal with him that if you stop at $450,000, and he gets the house for the next bid, he pays you $10,000? He gets the house for $40,000 less than what he would have to pay if you had kept on bidding, and you get a quick $10K. Is this a realistic proposition?
Investing Deals
FREE Slim Jim to a Military Person, customized by you.
Added on : Saturday July 19th 2014 12:00:04 AM
g: 0 Posted By: imagine1128
Views: 55 Replies: 0 Send a FREE Slim Jim to a Military Person

In appreciation for their service, Slim Jim wants to send 1 million Slim Jims each with a unique message to our military troops.

Help #SaluteTheTroops with a taste of home.http://www.slimjim.com/troops.jsp


Food & Grocery Deals
Switching jobs - is it worth in this situation?
Added on : Thursday July 17th 2014 07:00:04 AM
g: 0 Posted By: regor1000k
Views: 141 Replies: 1 This is for a friend of mine who appreciates my input to plan his career. I though i will pick brains of folks here as you guys are awesome and practical. Thanks in advance!

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

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

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

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

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

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

What do you people think?





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

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



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

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


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

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



Shanghai Stories TOP3 - a travel guide and tour as with the best local guide
http://www.amazon.com/gp/product/B007UN45V0

Istanbul Tour Guide Top 3 - a travel guide and tour as with the best local guide
http://www.amazon.com/gp/product/B00EJMPCTO

Tallinn Tour Guide Top 3 - a travel guide and tour as with the best local guide
http://www.amazon.com/gp/product/B007V0CW5I

The Must Sees of Seoul (Bravo Your City! Book 70)
http://www.amazon.com/gp/product/B00FJDEQQ2

Montmartre Neighborhood Guide (Bravo Your City! Book 6)
http://www.amazon.com/gp/product/B00EDE3RC2
Totally Free Deals
g: 0 Posted By: CindyLouWho2
Views: 33 Replies: 0 ~~Remington College - Free Haircuts for Children Under 17 - August
Children under 17 can get a free haircut at Remington College during the entire month of August. Visit the bottom of the page for a list of all locations and dates. NOTE: Anyone who brings in a donation pens, pencils, notebooks, etc. will receive a free haircut, manicure or pedicure.
~~Remington College - Free Haircuts for Children Under 17 - August
Children under 17 can get a free haircut at Remington College during the entire month of August. Visit the bottom of the page for a list of all locations and dates.

~~In addition to helping students, Remington College also wants to help local schools. Throughout August, Remington College student salons will be collecting school supplies for local schools. Anyone who brings in a donation pens, pencils, notebooks, etc. will receive a complimentary haircut, manicure or pedicure
NOTE: Anyone who brings in a donation pens, pencils, notebooks, etc. will receive a free haircut, manicure or pedicure.Who: any child under 17
What: complimentary haircuts!
When: The entire month of August
How: See our list of participating campuses below to see if there's one near you. Appointments are recommended but not necessary - first come, first serve!
http://community.remingtoncollege.edu/reaches_out/cuts_for_kids....
Totally Free 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
Negotiating Equity in a Start up
Added on : Tuesday July 08th 2014 04:00:06 PM
g: 0 Posted By: colnelforbin
Views: 36 Replies: 0 A family friend has a therapy device that he wants to bring to market.He's reached out for me for help and insight. I know I could add a lot of value and met with him to give my thoughts. He offered me5% of the company for a $1 to help him get it off the ground. It's a nice gesture but told him it's not enough equity to give him the time commitment to make it successful and I told him I'd try to come up with something that would be attractive for each party.I'm thinking I'd want at least 20% and preferably 25% to spend real time and energy into it. I wouldn't think it would fly for him to give me that equity for $1 but at the same time I can't put a value on the business at the moment. I don't want to invest upfront at this timeand he's 65 retired with plenty of money so he's not really looking for capital. I have a high paying position in medical sales so I will only dive in but keep my day job if the payoff is substantial.Can you think of anyway I can make it attractive for him to give up more but also be able to get out if I don't bring value to the company? Any thoughts are appreciated
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
Bought second house, previous owner wants it back.
Added on : Tuesday July 08th 2014 02:00:20 AM
g: 0 Posted By: CptSavAHo
Views: 31 Replies: 1 We bought a second house as an investment rental. It's in a mediocre neighborhood and modest size. It needs a lot of updating, was an old man who died and didn't do much but hoard for the last 20 or so years. The garage is full of stuff some of it looks potentially valuable like these bikes from 1930s or so all in decent shape. When we closed we offered the son of the owner 48 hours to take whatever he wanted off the property. He didn't take anything as far as we know. Now some letter has surfaced in the family talking about how much some of what his dad collected is worth and his son is offering, almost demanding, to buy the house back. There are 3 rooms packed with stuff mostly in boxes and a garage crowded with stuff a lot under tarps. The funny thing is the son gave us a concession at sale because of the estimated cost of removing all the junk. So...

What's my best option to have someone estimate the value of all this? There seems to be a big variety of items some paintings some jewelry a lot of clothes records some books tons of magazines bicycles rugs and some furniture. What's my tax liability if it ends up with some kind of value?

What's the risk from the son? I offered to turn over any personal effects like photos but maybe thats a bad idea? I could see him saying we promised to give him whatever he wanted etc etc.
Tax Deals
g: 18 Posted By: LivFast
Views: 2586 Replies: 11 My 2-year old daughter is joining me in my mid-life crisis and wants to give skateboarding a try. I found these when looking for decent pads on the cheap and appears to be a real nice price drop.

Boys Set - "http://www.amazon.com/Schwinn-Boys-Knee-Elbow-Gloves/dp/B0072NKU6C/"

Girls Set - "http://www.amazon.com/Schwinn-Girls-Knee-Elbow-Gloves/dp/B004LMTYAU/"



Update - I saw the prices dropped to $6.06 for the boys and $5.94 for the girls today.
Sports & Outdoors Deals

Amazon Coupons
g: 1 Posted By: LivFast
Views: 86 Replies: 1 My 2-year old daughter is joining me in my mid-life crisis and wants to give skateboarding a try. I found these when looking for decent pads on the cheap and appears to be a real nice price drop.

Boys Set - "http://www.amazon.com/Schwinn-Boys-Knee-Elbow-Gloves/dp/B0072NKU6C/"

Girls Set - "http://www.amazon.com/Schwinn-Girls-Knee-Elbow-Gloves/dp/B004LMTYAU/"
Sports & Outdoors Deals

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

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

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

I have little previous knowledge on how to structure these types of things and i'm by nature very risk-adverse so I figured i would leverage the collective wisdom of the FW community to provide some insight. Thanks in advance for any advice and please let me know if you would like additional details .....
Discussion Deals
college student, house with dad after graduation
Added on : Thursday July 03rd 2014 11:00:04 AM
g: 0 Posted By: mccyjcb
Views: 134 Replies: 6 I'm a 21 year old college student going in to the field of finance and I have two years left. My dad has been looking to buy a house for the last year but since he is 53 and a blue collar worker, he didn't want to buy too expensive of a house. He has recently learned that his whole plant may be shutting down in the next 2-4 years and so he is going to lose his $45k job. After that, he says he is just going to become a trucker. That ruined his plans of buying a house. He came to me with a plan: wait til I get out of college and find a job (hopefully at least $45k a year), and then get a VA loan using his veteran status. So I won't need any down payment and we won't have to pay mortgage insurance and we get the better mortgage rate versus a conventional loan. We will live together obviously, but I will be in a house of my choosing at the age of 23 or 24, we will both be paying $800-$900 a month towards the mortgage. My name will go on the loan that way if he dies, I take over the loan which is fine by me. When I graduate, I will have about $16k in student debt. I already have a 730 FICO score. I do have a part time job and I am saving money for when I move out. My dad wants me to live a better life than him so there is no reason to think he would be trying to screw me over in any way, we are very close. This obviously depends on how long he keeps his job so we can secure a loan, and how long it takes me to find a job. I also have a friend who I know would move in with me so there's an extra $300 a month for the mortgage.

Basically:
Two years left of college, me and my dad want to buy a house after I graduate and find a job using his veteran status for a VA loan. I get no down payment, no mortgage insurance, a better interest rate and a house of my choosing at the age of 23 or 24. I don't see any downsides to this. Help me point out flaws that way I can go over them with him.
Question Deals
g: 0 Posted By: ctgolfer
Views: 454 Replies: 2 This DEWALT 204 Piece Mechanics Tool Set equips you with everything you will need for the job. This Mechanic Set is ideal for the Professional on the job that wants to get the job done right. The Guaranteed Tough philosophy was implemented in designing this set allowing you to easily identify your sockets with the laser etched markings. The durable molded case allows for easy storage and tool protection.
Knurled beauty rings provide a non-slip gripping surface
Deep laser etched markings for easy socket size identification
5 degree arc swing and slim head design for maneuverability in constricted areas
72 tooth gear system for high torque ratcheting
Includes 1/4 in., 3/8 in. and 1/2 in. SAE and Metric sockets and ratchets, extensions, universal joints, torx bits, hex bits, combination wrenches and hex keys

www.homedepot.com/p/DEWALT-Mechanics-Tool-Set-204-Piece-DWMT7216...
DeWalt Deals

Home Depot Coupons
g: 0 Posted By: esteckis
Views: 224 Replies: 0 It's not a screaming deal, but if anyone wants a cheap 15 inch non touchscreen here ya go. The memory is 4 gigs and not upgradeable. I am going to get it to use as an HTPC. LINK
AMD Quad-Core A8-6410 Accelerated Processor with AMD Radeon R5 graphics
4GB DDR3L SDRAM
Multiformat DVDRW/CD-RW drive
15.6" WLED-backlit high-definition display
With BrightView technology and 1366 x 768 resolution clearly presents media
750GB hard drive (5400 rpm)AMD Radeon R5 graphics
Deliver lush visuals. An HDMI output enables flexible connectivity.
Built-in front-facing HP TrueVision high-definition webcam
With an integrated digital microphone makes it easy to video chat with loved ones.
Multiformat media reader Supports Secure Digital format.
1 USB 3.0 port and 2 USB 2.0 ports
Built-in high-speed 1x1 wireless LAN (802.11b/g/n) Built-in 10/100Base-T Ethernet LAN
Weighs 4.8 lbs. and measures just 1" thin

Supposedly there are a lot of HP updates to increase the video performance.
Laptops Deals

Best Buy Coupons
g: 0 Posted By: ctgolfer
Views: 138 Replies: 0 This DEWALT 156 Mechanics Tool Set equips you with everything you will need for the job. This Mechanic Set is ideal for the Professional on the job that wants to get the job done right. The Guaranteed Tough philosophy was implemented in designing this set allowing you to easily identify your sockets with the laser etched markings. The durable molded case allows for easy storage and tool protection.
Deep laser etched markings for easy socket size identification
5-degree arc swing and slim head design for maneuverability in constricted areas
72 tooth gear system for high torque ratcheting
Low profile directional lever helps reduce catch points and for easy one-hand operation
Includes 1/4 in. and 3/8 in. metric and SAE sockets and ratchets, torx sockets, Allen wrenches and combination wrenches

www.homedepot.com/p/DEWALT-Mechanics-Tool-Set-156-Piece-DWMT7216...
Tools Deals

Home Depot Coupons
g: 0 Posted By: ctgolfer
Views: 127 Replies: 0 This DEWALT 204 Piece Mechanics Tool Set equips you with everything you will need for the job. This Mechanic Set is ideal for the Professional on the job that wants to get the job done right. The Guaranteed Tough philosophy was implemented in designing this set allowing you to easily identify your sockets with the laser etched markings. The durable molded case allows for easy storage and tool protection.
Knurled beauty rings provide a non-slip gripping surface
Deep laser etched markings for easy socket size identification
5 degree arc swing and slim head design for maneuverability in constricted areas
72 tooth gear system for high torque ratcheting
Includes 1/4 in., 3/8 in. and 1/2 in. SAE and Metric sockets and ratchets, extensions, universal joints, torx bits, hex bits, combination wrenches and hex keys

www.homedepot.com/p/DEWALT-Mechanics-Tool-Set-204-Piece-DWMT7216...
Tools Deals

Best Buy Coupons
Mechanics Tool Set (118-Piece) $79 w/FS @ Home Depot
Added on : Wednesday July 02nd 2014 12:00:03 AM
g: 0 Posted By: ctgolfer
Views: 104 Replies: 0 This DEWALT 118 Piece Mechanics Tool Set equips you with everything you will need for the job. This Mechanic Set is ideal for the Professional on the job that wants to get the job done right. The Guaranteed Tough philosophy was implemented in designing this set allowing you to easily identify your sockets with the laser etched markings. The durable molded case allows for easy storage and tool protection.
72 tooth gear system for high torque ratcheting
Low profile directional lever helps reduce catch points and for easy one-hand operation
5-degree arc swing and slim head design for maneuverability in constricted areas
Deep laser etched markings for easy socket size identification
Includes 1/4 in. and 3/8 in. metric and SAE sockets, ratchets, extensions, universal joint, combination wrenches and hex keys

www.homedepot.com/p/DEWALT-Mechanics-Tool-Set-118-Piece-DWMT7216...
Tools Deals

Home Depot Coupons
Native Instruments MASCHINE MK2 Black Restock $449.99 FS @ MF
Added on : Thursday June 26th 2014 05:00:01 AM
g: 0 Posted By: tedhawkins
Views: 0 Replies: 0 Native Instruments MASCHINE MK2 Black Restock $449.99 FS @ MF

http://www.musiciansfriend.com/stupid

Product Description

MASCHINE MK2 is the second edition of Native Instruments highly respected groove production system and it comes stacked with numerous enhanced workflow improvements for an even more intuitive experience and faster performance. All 16 of MASCHINEs touch-pads have been upgraded with a heightened sensitivity response, and each pad can now be individually assigned a unique color to easily identify and separate sounds, patterns, groups, and scenes. You now also have the ability to time stretch samples directly from the MASCHINE MK2 hardware, eliminating the need to jump back and forth from host systems.

The hardware design has also been improved. One notable addition is the new master push encoder with grid, and the 47 all-new click-buttons that help to speed up the workflow. After all, who wants to waste valuable time digging through menus when the inspiration is running? The displays on MASCHINE MK2 have also been refreshed, now featuring high contrast screens with a higher viewing angle that will help keep your work visible both in the studio and on stage. More hardware and less software, MASCHINE allows for Host Transport Control, meaning that the hardwares transport controls can be used to control the host DAW when the unit is being used as a VST, Audio Unit or RTAS plug-in.

There are also some new effects such as Transient Master, Tape and Tube Saturators that will further help to sculpt performances, and a full version of the MASSIVE synthesizer is included with 1,300 earth-shattering sounds to play with. Additional design features include a fully customizable look; magnetic faceplates and removable knobs let you incorporate your own style with optional MASCHINE CUSTOM KITS that can be purchased separately.

STUDIO POWERHOUSE
MASCHINE integrates easily into your computer-based studio setup. Use the hardware controller to find, load, and play sounds, automate parameters, and arrange patterns on the fly. Combine this with the ability to control and sequence all of your external hardware instruments, or switch to MIDI mode to control other software.

After quickly and intuitively developing your ideas, drag and drop your patterns as MIDI or audio files directly into your DAW to finalize and mix your production. Youll soon realize MASCHINE is a powerhouse capable of revolutionizing the way you make music.

CREATIVE PERFORMANCE TOOL
MASCHINE is fast becoming the ultimate performance tool for creative musicians. MASCHINE controller is super-sturdy, yet easily portable. The highly responsive pads now have heightend sensitivity and can easily be assigned different colors to keep your kits organize. The new Master Push Encoder and endless rotary knobs are addictively playable, while the two improved high-resolution backlit displays keep you informed of what's going on - perfect for any club or stage.

Use MASCHINE as an instrument for performing your own tracks, or sync it with other gear like TRAKTOR PRO 2 (sold separately) to add more dynamics to your live set.

SUPREME SOUNDS INSIDE
MASCHINE comes with over 6GB of ready-to-use, professional and inspiring sounds. Create rhythms and melodies right away with the included drum kits, one-shot samples, basses, synths, and acoustic instruments - all fully tagged for easy browsing. It also includes KOMPLETE ELEMENTS, providing more than 1,000 stunning sounds drawn from the flagship KOMPLETE 7, and a full version of the MASSIVE synthesizer with 1,300 earth-shattering sounds used widely in all styles of music today. And now, you can add extra fuel to your MASCHINE with the new range of MASCHINE EXPANSIONS - premium sample kits created by renowned sound designers and artists.

New Software Enhancements in Version 2.0
Enhanced 8GB sound library
Multi-core processing support
Powerful drum synthesis
MK2 controller support
Colors for Groups, Sounds, Scenes, and Patterns
Full version of MASSIVE synthesizer
Offline time stretching and pitch shifting
New effect: Transient Master
New effect: Tape and Tube Saturators
Save group with samples feature
Host Transport Control: If MASCHINE is run as a plug-in, the hardware transport controls can be used with the host
Sample play position indicator on the waveform (hardware and software)
AutoWrite pinning
AutoWrite on MASCHINE MIKRO
Improved handling of missing samples
Pre-hear samples from the hardware browser before loading them
Choke all playing sampler voices feature ("panic button": Shift + Mute)
Revised select page (hardware) with access to note length
Quick select events of a sound in a pattern (Shift + Select + Pad)
Quick erase events of a sound in a pattern (Erase + Select + Pad)
Features

Industry-standard groove box workflow
Sampler, arranger, mixer, effects, and more
16 highly sensitive, multi-color performance pads
Two high-contrast displays with 64x256 resolution
Eight display knobs to tweak parameters and browse presets
Browse, scrub, and adjust tempo, volume, and more with intuitive push encoder
23 high-quality effects for instant sound enhancement
Step sequencing, real-time recording, note repeat, slicing, and auto-mapping
Extensive MIDI-mapping capabilities to control other hardware and software
Easy-to-use browser with tagging of kits, instruments, samples, and effects
Intuitive automation recording and step automation editing

g: 11 Posted By: ltcm
Views: 5686 Replies: 99 I'm considering purchasing a house that needs substantial updating to use as my primary residence. The house is on nearly an acre, was built in the 1950s, added on to in the 1970s, and not much has been done since. It appears to be an estate sale, and the property hasn't changed hands in 25+ years. The sellers are asking $290K, and it's only been on the market for a few days. The market around here is really hot right now, but I don't think this property will necessarily be a super hot commodity. I'm prepping an offer around $250K, and would be willing to go up from there, but I'm not sure how high.

The concern I have is overbuilding the house for the neighborhood. The neighborhood is a total mixed bag, but is in a very desirable location. The nearby properties include houses just like this, and new properties in the range of (EDIT) $600K - $1M+ that were recently build after tearing down the old house and starting over (it's a small neighborhood, these properties are literally three houses down the street and the neighborhood is probably 1/2 old and new, but this particular street skews toward older properties). My agent thinks the land is the most valuable part of the property, valuing it at around $200K, but she says she wouldn't personally put any money into this house and would instead tear it down. This is one of the larger lots in the neighborhood -- many of the others are only 1/2 of an acre, so this is nearly double.

If I put a reasonable amount into rehabbing ($50-60K as a ballpark), I think this could easily be a $400K+ property for someone who wants to live in this area, but who can't afford the $1M+ new properties. The other potential complication is that another neighborhood is slated to go in across the highway within 3-5 years. My agent thinks these will be $500K-$600K properties, but on much smaller lots. I think, like me, there are people that value a really large lot in a good location, but I've not done something like this before and would like to get some good counsel first.

Any thoughts from all of the real estate pros on here?

UPDATE with inspection photos below, thoughts welcome.

Real Estate Deals
g: 1 Posted By: remick
Views: 183 Replies: 0 http://www.amazon.com/gp/product/B009SGITDW

TRAVEL MONEY TIPS for anyone who wants their travel dollar to go further. Want to travel the world, but don't think you are rich enough? In this book a life-long traveler will show you how to travel further, for longer, for less. sometimes much less, money than you'd ever imagine.

Learn how to set a realistic budget for your next trip, and learn the single most important factor that determines your trip's price tag (Hint: it's not the quality of your hotels or the length of your trip).

Once on the road, this book describes how to best setup your financial life to manage your money while you travel.It also covers tips and tricks to minimize those pesky transaction fees that your bank like to charge, just because you want to use your own money overseas!

The last third of the book the author shares her favorite tricks and tips developed over 30 years of travel: tips to save money on everything from accommodation to sightseeing.
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g: 0 Posted By: remick
Views: 165 Replies: 0 http://www.amazon.com/gp/product/B004NSV0VS

4.9 out of 5 stars (9 customer reviews)

In todays society, from the inner-city to suburban America, nearly every woman has a gay best friend - the one who gives it to them straight about life, clothes, sex, and relationships. For example, on the number-one cable show on the Bravo Network, The Real Housewives of Atlanta The break-out star of the show, NeNe, has introduced the world to her gay best friend, Dwight Eubanks. Just like most must-haves for women: Manolo Blahnik shoes, a Louis Vuitton handbag, and La Perla lingerie - Having a gay best friend has become the new accessory for women. And, no woman wants to be without one.

Straight, From Your Gay Best Friend gives women direct, and poignant, though often tongue in cheek, advice from Terrance Dean, their new gay best friend, on some of lifes most challenging issues--family, friends, career, love, sex, and intimate relationships with men. Dean offers direct and to-the-point insights, mixed with a little sass, wit, humor, forwardness, and spirituality, as only a gay man can do. He speaks candidly to women on healing their souls of past hurts in order to tap into their fabulousness.

Also included are meaningful and powerful inspirational stories from women who were seeking to live fabulous and fierce lives filled with abundant love and joy, as well as have intimate relationships with men. These women learned to reclaim, rediscover, and heal themselves.

Dean also dedicates a chapter to the most controversial topic in the black community--down low gay men. I am often asked by women, How can I tell if my man is on the down low? Or, What are some signs I need to look out for so I do not end up in a relationship with a down low man? This chapter will help women identify if the man they are in a relationship with or considering dating may be on the down low.

Dean gives gives straight answers on when to leave a relationship, how to make it last, how to open up, how to get into the dating game, when to stop being a doormat, and how often times the woman may just not be into the man. When many women experience a tumultuous break-up or suffer through a challenging relationship, they turn to their gay best friends. Sure, they seek advice from their girlfriends, but its always the gay best friend who's unique perspective helps them through the rough spots, encouraging her, inspiring her, and giving her the straight truth about relationships, and herself.

His book will help women discover the power they need for a life of abundant success, prosperity, and happiness with loving relationships. It dispense practical advice and tips on creating healthy and loving relationships with themselves and any man they desire. And, its all done from a place of love, from their gay best friend.
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g: 0 Posted By: ctgolfer
Views: 66 Replies: 0 Includes:
The Wizard of Oz (1939), MPAA Rating: G

The Wizard of Oz
The third and definitive film adaptation of L. Frank Baum's 1900 children's fantasy, this musical adventure is a genuine family classic that made Judy Garland a star for her heartfelt performance as Dorothy Gale, an orphaned young girl unhappy with her drab black-and-white existence on her aunt and uncle's dusty Kansas farm. Dorothy yearns to travel "over the rainbow" to a different world, and she gets her wish when a tornado whisks her and her little dog, Toto, to the Technicolorful land of Oz. Having offended the Wicked Witch of the West (Margaret Hamilton), Dorothy is protected from the old crone's wrath by the ruby slippers that she wears. At the suggestion of Glinda, the Good Witch of the North (Billie Burke), Dorothy heads down the Yellow Brick Road to the Emerald City, where dwells the all-powerful Wizard of Oz, who might be able to help the girl return to Kansas. En route, she befriends a Scarecrow (Ray Bolger), a Tin Man (Jack Haley), and a Cowardly Lion (Bert Lahr). The Scarecrow would like to have some brains, the Tin Man craves a heart, and the Lion wants to attain courage; hoping that the Wizard will help them too, they join Dorothy on her odyssey to the Emerald City. Garland was MGM's second choice for Dorothy after Shirley Temple dropped out of the project; and Bolger was to have played the Tin Man but talked co-star Buddy Ebsen into switching roles. When Ebsen proved allergic to the chemicals used in his silver makeup, he was replaced by Haley. Gale Sondergaard was originally to have played the Wicked Witch of the West in a glamorous fashion, until the decision was made to opt for belligerent ugliness, and the Wizard was written for W.C. Fields, who reportedly turned it down because MGM couldn't meet his price. Although Victor Fleming, who also directed Gone With the Wind, was given sole directorial credit, several directors were involved in the shooting, included King Vidor, who shot the opening and closing black-and-white sequences. Harold Arlen and E.Y. Harburg's now-classic Oscar-winning song "Over the Rainbow" was nearly chopped from the picture after the first preview because it "slowed down the action." The Wizard of Oz was too expensive to post a large profit upon initial release; however, after a disappointing reissue in 1955, it was sold to network television, where its annual showings made it a classic

www.bestbuy.com/site/wizard-of-oz-75th-anniversary-aniv-annivers...
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g: 0 Posted By: remick
Views: 139 Replies: 0 http://www.amazon.com/gp/product/B00IFKLW9U/

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


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

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


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


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


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


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

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


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

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


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

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

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g: 0 Posted By: remick
Views: 108 Replies: 0 http://www.amazon.com/dp/B005LXW7UW

4.6 out of 5 stars (28 customer reviews)

Couples Money - What Every Couple Should Know About Money and Relationships is written by a married couple in the financial serives industry, Marlow and Chris Felton. They share their personal story of financial transformation and insights they have gained from thousands of couples they have worked with over the last 12 plus years.

Couples Money is an introspective look at a leading cause of divorce; money. Most couples think they are alone in their financial struggles and they have the stories to prove they are NOT! Marlow and Chris help couples get on the same page with easy to follow concepts and action steps they have personally seen work. They believe they have the cure for "financial cancer" that plagues many couples and share their stories to help save millions of relationships.

Couples Money is for any couple that wants to improve their financial situation and the quality of their relationship. This is the book to read if you are in a relationship and looking for money management books to read together.



also free

How to Cope With Money-Related Stress: Dealing With Financial Stress During the Recession
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Finally Fix Your Credit: An Insider's Secrets to Getting the Credit Score You Need
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Specific mortgage request, Loan officers please review
Added on : Friday June 20th 2014 04:00:13 AM
g: 0 Posted By: SoCalJohn
Views: 31 Replies: 0 Much to my dismay, my wife has decided that she wants a bigger house with a bigger yard. I currently own 2 houses in the same city, I will have to cashout both houses to come up with the downpayment for the new house and possibly sell one or both after acquiring the new mortgage.

I am just about done with a cashout refi on a condo owned free and clear, 70% ltv investment property 4.875% no costs no fees 30 year fixed $500k value
Primary residence $1.3M value owe $500k on first mortgage with Heloc of 170k with third federal

Issue is that we have a short sale from 3+ years ago, it did not effect the cashout conventional with our 700+ fico scores, but I have been shut down by morgan stanley and bank of america for jumbo cashout with short sale.

Can any of you mortgage guru's steer me to a lender that will cashout a jumbo loan with a short sale?

I have found financing on the 2M purchase, 40% down stated income 1 year arm at 4% for a .25 discount point cost. Only requirement is 60 months PITI reserves, which we will have after cashing out both properties with 60% of 401k counted.

Thanks for any help

Properties are all located in Southern California, Primary is SFR
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g: 0 Posted By: MISTERCHEAP
Views: 49 Replies: 0 I CAN CONFIRM this worked perfectly for me this evening on a bunch of breakroom items!

1. Purchase any one item from any qualifying category as shown in this coupon. COUPON IS ALREADY VALID, scans w/o beeps. YMMV on cashier refusing to honor it prior to 6/22.

save 25% INSTANT

2. Also have scanned the 25% back in rewards coupon avail here

www.staples.com/coupons

3. In other words, after these two stacked offers on a $100 item, you would pay $56.25 ($25 instant savings + $18.75 rewards back on $75) + tax.

I can upload my receipt later if anyone wants proof both these coupons attached to the receipt w/o issues.
Amazing Alex Premium: Appstore for Android FAOTD for $0 @ amazon.com
Added on : Wednesday June 18th 2014 03:00:05 AM
g: 0 Posted By: Deals4mykids
Views: 182 Replies: 0 http://www.amazon.com/Rovio-Entertainment-Ltd-Amazing-Premium/dp...

Meet Amazing Alex! This whiz kid has a boundless imagination and a houseful of fun toys that can turn anything into an adventure!

From cleaning up His Room to battling cardboard robots in his backyard, Alex creates amazing chain reactions to get the job done with the maximum amount of fun! Now he has some challenges for you -- and he wants to see the most creative solutions YOU can create!

With more than 100 challenging levels across four fun-filled locations, theres a whole world of creations to explore!

Normally $0.99
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g: 0 Posted By: papajoker
Views: 8 Replies: 0 For those who wants these now:
Link.2.Newegg
Link.2.Amazon

These speakers were on sale for $95 during the Thanksgiving time last year. But $139.99 w. free shipping isn't a bad price at all.

From Newegg:SpecSold AsSingleDriver UnitsTweeter Diameter: 1" (2.54cm), Dynamic Balance silk/polymer composite dome
Midrange Diameter: 5 1/4" (13.34cm), Dynamic Balance bi-laminate composite cone driverPower Rating20-200 watts per channelFrequency ResponseTotal Frequency Response: 38Hz-25kHz
Upper -3dB Limit: 24 kHz
Lower -3dB Limit: 48 HzNominal Impedance8 OhmsSensitivity90 dBConnectorsDual 5-way binding posts inputsFeaturesColorBlackSpecDimensions & WeightDimensions: 37" H x 7" W x 12 1/16" D
Weight (each): 31 lbs.
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g: 0 Posted By: remick
Views: 96 Replies: 0 http://www.amazon.com/gp/product/B00HFA58IM

4.8 out of 5 stars (5 customer reviews)

The Program: Personal Evolution is the definitive, evidence-based guide to developing the lean, muscular physique you have always wanted.

Stop wasting your precious time! One of the biggest fallacies in the world of exercise is that you have to spend hours a day in the gym, day after day, in order to build muscle and burn body fat. As a result, many people give up before they reach their fitness goals.

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Is Buying A Condo Ever a Good Idea? When?
Added on : Sunday June 15th 2014 06:00:08 PM
g: 0 Posted By: robronson
Views: 16 Replies: 0 We know that in general, buying a condo is a terrible idea. a few highlight bullet points:

1) HOA restrictions. Keep you from doing what you want. It's like having a second government. Or mother.
2) HOA Special Assessments. HOA gets to decide when you need to drop an extra $20k on Project X.
3) HOA Lawsuits. HOA gets sued for doing something stupid. You foot the bill for the amount that exceeds their insurance.
4) Restrictions on renting. By the HOA.
5) Inability to sell, if too many units are not owner-occupied because no bank will issue a mortgage to the person who wants to buy your unit.
6) HOA requiring you to buy something you may not want. Like a community pool. Or monthly cable TV.

I don't mean for this to be a Condo-bashing thread. I'm citing the common issues that I've read on FWF against condo ownership. I started this thread to explore the possibility that in limited circumstances, buying a condo may be a good thing. In nearly all cases, buying a timeshare is a terrible idea. But I'm sure there's limited circumstances an FWFer could exploit the deal.

Tell me, FWF, when does buying a condo make sense?
Bean's Explorer Backpack for $19.99 + free shipping @ llbean.com
Added on : Sunday June 15th 2014 04:00:05 AM
g: 0 Posted By: Deals4mykids
Views: 199 Replies: 0 http://www.llbean.com/llb/shop/81107

Reg. Price: $39.95
Sale: $19.99

Free Ship
Ice blue.

[*]Trail-tested features in a classroom-ready style
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Imported.
Capacity 1,395 cu. in.
Weight 1 lb. 3 oz.
Dimensions 16"H x 12"W x 8"D.
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g: 9 Posted By: ltcm
Views: 4285 Replies: 83 I'm considering purchasing a house that needs substantial updating to use as my primary residence. The house is on nearly an acre, was built in the 1950s, added on to in the 1970s, and not much has been done since. It appears to be an estate sale, and the property hasn't changed hands in 25+ years. The sellers are asking $290K, and it's only been on the market for a few days. The market around here is really hot right now, but I don't think this property will necessarily be a super hot commodity. I'm prepping an offer around $250K, and would be willing to go up from there, but I'm not sure how high.

The concern I have is overbuilding the house for the neighborhood. The neighborhood is a total mixed bag, but is in a very desirable location. The nearby properties include houses just like this, and new properties in the range of (EDIT) $600K - $1M+ that were recently build after tearing down the old house and starting over (it's a small neighborhood, these properties are literally three houses down the street and the neighborhood is probably 1/2 old and new, but this particular street skews toward older properties). My agent thinks the land is the most valuable part of the property, valuing it at around $200K, but she says she wouldn't personally put any money into this house and would instead tear it down. This is one of the larger lots in the neighborhood -- many of the others are only 1/2 of an acre, so this is nearly double.

If I put a reasonable amount into rehabbing ($50-60K as a ballpark), I think this could easily be a $400K+ property for someone who wants to live in this area, but who can't afford the $1M+ new properties. The other potential complication is that another neighborhood is slated to go in across the highway within 3-5 years. My agent thinks these will be $500K-$600K properties, but on much smaller lots. I think, like me, there are people that value a really large lot in a good location, but I've not done something like this before and would like to get some good counsel first.

Any thoughts from all of the real estate pros on here?

UPDATE with inspection photos below, thoughts welcome.

Real Estate Deals
g: 1 Posted By: remick
Views: 318 Replies: 0 http://www.amazon.com/dp/B004TS1M74/

Every dad wants to be a great dad. But what does it take to build a great dad? What raw materials does one need? And how do you put them all together?

Designed for the do-it-yourselfer in every man, Project Dad is a humorous, biblically based guidebook to becoming a great dad. With short, entertaining chapters that cover five key components, this guidebook encourages fathers to raise their children with a renewed sense of purpose in order to positively impact them in their adult life. Cartmell shows dads that the way they look at, talk to, connect with, act toward, and lead their children is what separates a good dad from a great dad.



The Happy Family: A Blueprint for a More Joyful, Balanced and Fulfilling Family Life
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Balance Your Work and Family Life with Less Stress and More Fun! A Coach Me Quick! Guide for Working Moms
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100 Favorite Kids Meals- Kid Friendly Dinner Recipes (Family Menu Planning Series)
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To My Sons: Lessons for the Wild Adventure Called Life
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g: 0 Posted By: remick
Views: 44 Replies: 0 http://www.amazon.com/dp/B004TS1M74/

Every dad wants to be a great dad. But what does it take to build a great dad? What raw materials does one need? And how do you put them all together?

Designed for the do-it-yourselfer in every man, Project Dad is a humorous, biblically based guidebook to becoming a great dad. With short, entertaining chapters that cover five key components, this guidebook encourages fathers to raise their children with a renewed sense of purpose in order to positively impact them in their adult life. Cartmell shows dads that the way they look at, talk to, connect with, act toward, and lead their children is what separates a good dad from a great dad.



The Happy Family: A Blueprint for a More Joyful, Balanced and Fulfilling Family Life
http://www.amazon.com/gp/product/B00CUT359M
g: 0 Posted By: remick
Views: 106 Replies: 0 http://www.amazon.com/gp/product/B00AKBIJ16
4.7 out of 5 stars (21 customer reviews)

Using Photoshop, Photomatix and Topaz Adjust, Blake Rudis, creator of the award winning blog Everyday HDR, walks you through the wonderful world of High Dynamic Range photography. There are many methods that are discussed in Exploring HDR from the typical multiple exposure tone mapped HDR image to the single Raw file technique. Blake gives away many of his secrets in this book with 6 different HDR techniques, 9 HDR post processing techniques, over 130 detailed pictures, and bonus content in every Chapter.

Blake knows the importance of post processing your HDR images and has included several detailed post processing techniques. These techniques include adding depth to your tone mapped photo, combating chromatic aberrations, HDR specific noise reduction and so much more! If you are looking for a highly detailed, tutorial based HDR book, Exploring HDR is the one for you!

Key Highlights of Exploring HDR:

*Designed for Beginner to Advanced skill levels
*Bonus Content in every chapter
*Downloadable files to follow along with the tutorials on select Chapters
*Step by step tutorials to help you better your HDR photography



The DSLR Survival Guide: A Beginner's Guide to Surviving Digital SLR Photography
http://www.amazon.com/DSLR-Survival-Guide-Beginners-Photography-...
Did you recently buy a new DSLR camera, but have no clue how to use it?
Have you owned a DSLR camera for quite some time and still find yourself shooting in Auto Mode?
Do you find yourself scratching your head at all of the terms in your Owner's Manual?
If you answered yes to any of these questions, the DSLR Survival Guide is the beginner's book for you. Blake discusses everything DSLR related to help you breakdown that awful communication barrier between you and the language of your DSLR camera. Follow along with the information in this guide and you will be producing better photographs in no time! For less than the cost of a fast food meal you can be learning about your DSLR camera!

Photo Composition
Aperture
Shutter Speed
ISO
Camera Modes
Image File Formats (RAW, JPEG)
Lighting and Light Sources
Lenses and Lens Selection


A Beginners Guide To DSLR Photography - How To Create Stunning Digital Photography Like A Pro
http://www.amazon.com/Beginners-Guide-DSLR-Photography-Stunning-...

So you just got that new DSLR camera or you are planning on getting one shortly. Maybe photography has always been a small passion of yours and you finally want to take the leap and start taking amazing photographs using a DSLR camera. Where do you even begin when you get one? What are the basics you should know before you attempt to get started? Taking one peak at the owners manual might get your head to start spinning.

Dont worry because we have you covered. We will cover important things like exposure, flash, shutter speed, and aperture to name a few. We will also give you great tips and guidance and even debunk some common photography myths. We will also cover some important questions to ask yourself while you are shooting that will help you start to think like a professional photographer. You are one your way to starting a new hobby that is very exciting and rewarding. We want you to be able to feel comfortable and confident with your DSLR camera so step inside this guide to get started today!



Photo Mastery - Shadows, Form And Texture
http://www.amazon.com/Photo-Mastery-Shadows-Texture-Training-ebo...

Although photography is all about light...it's actually the shadows that define form and textures!

When you get tired of flat, boring, 2d photos and want to have lifelike images that pop off the page, this Volume of the "On Target Photo Training" course is the answer!

Here is a copy of the table of contents to show a little of what is covered...

Introduction
Light Makes Shadow
Color Temperature - Kelvin Scale
Light Meters
Reflected Light Meter
Problems With Reflected Light
Incident Light Meter
Ambient Light
Ambient Light Qualities
Shadows From Hard Ambient Light
Soft Ambient Light Shadows
The Main/Key Light
Planning The Shadow
Squinting
Raccoon Eyes
Do You HATE Those Pesky Shadows?
Shadows Define Form And Texture
The Fill Light
Learning Photography Lighting Techniques!
Photo Exercise
Photo Exercise 2
Fixing Problem Areas
Shadow Lighting Patterns
Split Light
Loop Light
Butterfly Light
Texture Requires Shadow!
Glare
Photo Exercise 3
Additional Photo Training

We spend a lot of time discussing light and various qualities of light - to get a better understanding of shadows!

Ambient Light: This is the light we will be using the most. Here we thoroughly cover what is is and how to work with it! Once we know how to control the light, we can control the shadows that define our shapes and textures.

The Main/Key Light: Before you can learn to master the shadows, you need to understand the light that is making them! Each light source whether it is ambient light or studio light (or both) creates it's own set of shadows. And it's own set of problems and opportunities!

Shadows: The shape, position and depth of the shadows - and your mastery of them - is what will turn your photos from dull lifeless "pictures" into something you will be proud to not only put on the wall...but you will be proud to sign them too!

The Fill Light: Here is the key to controlling the depth of your shadows and bringing emotion into your art.

Fixing Problem Areas With (Or Without) Shadows: Every face and every scene has flaws that you can "fix" in your camera. Every subject you shoot wants and deserves to look like a million bucks! It's your job as a photographer to make that happen.

Glare: Glare in glasses can easily ruin a photo. Plus it's incredibly difficult to "fix" in Photoshop. Fixing it in camera is really easy once you know how.

You are closer than you think to creating truly amazing photographs that will be the envy of your friends and family!



11 Things Every Photographer Should Know About HDR Photography
http://www.amazon.com/gp/product/B00EJZD9BE/

HDR photography can be pretty complicated and if you go into it without knowing what you are doing, you are in for some trouble! "11 Things Every Photographer Should Know About HDR Photography" is something every photographer should read prior to jumping into the world of HDR photography. Blake Rudis has been teaching HDR photography techniques for over 3 years and knows how to make HDR images that pop off the page!

What you will receive from reading "11 Things..." :

- A better understanding of the HDR process and how to create an HDR image using several different techniques.
- A considerable amount of knowledge about file formats used during the HDR process.
- A plethora of examples as to what you should and should not be HDR'ing!
- A worthy understanding of HDR tone mapping software and how to use it to make better HDR images through the bonus content provided.
- A guide to post processing HDR images that outlines what to look out for after the image has been tone mapped to make it look its absolute best!


Books & Magazines Deals
Craigslist scammer trying to send ME money via western union?
Added on : Monday June 09th 2014 09:00:05 PM
g: 0 Posted By: thepineapple
Views: 58 Replies: 1 I've used craigslist for years. I usually ignore the weird out of state scam numbers, but occasionally I'll mess with them. Well, i was bored, and started responding to one, and HE wants to send ME money via Western Union. Isn't it the other way around for scammers? Isn't he just going to send me a bunch of money and have no way to get it back? What am I missing?
Discussion Deals
How to deal with this insurance claim?
Added on : Monday June 09th 2014 06:00:07 AM
g: 0 Posted By: kubakj
Views: 0 Replies: 0 I am in the insurance claim loop now and looking for some idea how to proceed. I have a condo insured thru Allstate. Condo by-laws require to insure anything inside the apartment. Building has a building wise insurance as well to cover common elements. In January there was huge leak in the building from few floors above during the night into my living room as I was sleeping in the bedroom, so water was dripping like crazy whole night. As a result many my personal items was destroyed/damaged as well as portion of wood floor was damaged and ceiling as well. This leak initiated from one of the condo member and they quick announced that no one made a negligence and we should just ask our insurance for payment. Of course I was pissed as I have $1k deductible and Allstate DENIED reimbursement for my floors and ceiling (two major expenses) damages. I have to change sheet rock for my entire ceiling and few sq^2 of wood floor needs to be replaced. Allstate stated that bylaws says any casualty in the building like that should be covered by building insurance. I asked building management to initiate claim with building insurance, but their agent calls me and says that my responsibility, as others have been paid by their insurances for all damages and I should go back to allstate. I asked him to anything in writing, nothing. After few months now I asked ALL parties to either get paid or denied for the damages and provide in writing why. Building insurance agent is not responding to any phone calls, management and condo board just talked to him and he assured them that will take care of it with Allstate. Building insurance didn't even start any claim and their agent's secretary ALWAYS says he is not available and HE will call me back, but never does.

So now I have damaged floor and ceiling with not my fault and no one wants to talk to me. I didn't go to any lawyer for advice yet, as I don't have much free time for that, but now I am ready to take some action.

Any suggestion how I should deal with it? Also I think I should be responsible for my deductible if leak came from other unit. Its either that tenant should pay for it or HOA for not protecting building system from freezing.

I am just afraid now that in case there was fire or something worse, I will be left with nothing.

NYC condo location.
T-Mobile Free 4G LTE data every month through 2014 + Free SIM
Added on : Thursday June 05th 2014 06:00:02 PM
g: 0 Posted By: GOMIGOMI
Views: 371 Replies: 0 My wife has iPad Gen 3 with SIM slot and found this deal on the web site. I also have a phone plan, Simple Choice Plan, with 2 phones.
Here is a copy text from the site. You can also get new SIM Free by using FREESIM promo code. Just go to T-Mobile site and you can find more detail.

=====
Free 4G LTE data every month through 2014.Who says you can only surf inside a 50-foot Wi-Fi zone in some coffee shop? Your tablet should work where you are, like in the car or at a park. Werent tablets meant to set us free? We think so.New and existingT-Mobilecustomers, when you add a tablet to your voice plan, youll get:

Up to1GB FREE 4G LTE data per monththrough 2014
PLUS up to200 MB FREE monthly 4G LTE datafor as long as you own your tablet

Thats over 1GB of FREE 4G LTE data each month until 2015!How does it work? Weve discounted our most popular mobile internet plans by $10 for the rest of the year. That means for voice customers, our 1GB plan available for only $10 per month is now free through the end of the year.
======

UPDATE: If you place an order via tmobile.com, you will get an error message. But don't worry. You can still get it. The reason for the error is TMO wants to verify you as an existing TMO customer before they ship SIM. On the same error message, you will find a toll-free phone to call TMO agent. Also on the same message you can find your order number. So call TMO agent, give that order number and the agent will ask for your name, address and phone number to verify you. You will also require to give a credit card number even though there is a $0 charge. They just want to secure the order and you will not be charged.Another option is to click a Chat link on the same error message (this is what I did), but you will end up talking with agent anyway and go through same steps so I recommend just call that toll-free number and complete your order. Good Luck!!
Services Deals

T-Mobile Coupons
Borrow money to friend add name to 1st deed of trust?
Added on : Wednesday June 04th 2014 08:00:09 PM
g: 0 Posted By: RagingBull
Views: 7 Replies: 0 I have a friend who wants to borrow some funds and he wants to purchase some property. However, my other friend suggested that i get my name added to the first deed of trust. Does first deed of trust really offer me protection in case the debtor does not pay?
Question Deals
Skip seller agent and talk to home seller directly?
Added on : Wednesday June 04th 2014 03:00:08 PM
g: -2 Posted By: dxulab
Views: 150 Replies: 4 It's a new build. Seller's agent is a bit hard to work with. Is it ok to contact the builder directly? I asked the agent for his representation agreement, he would not share. So the terms are unknown. I think it is up to the seller to decide if he wants to (or may) deal with me directly. If he does, do I have any legal liability in this situation?
Question Deals
Selling first house, had some questions about fees
Added on : Wednesday June 04th 2014 02:00:10 PM
g: 0 Posted By: Al3xK
Views: 73 Replies: 5 So my family really wants me to use their Cent21 agent, who is smart/good, but I had some questions on the fees and was curious if these are typical or unusual. The house is going to list for ~$230k and was built in ~1920 in Indiana. Their fee estimate shows a $219k sale sample. 7% is the typical "rate" for selling a house.

Sale price $219k

Listing brokerage fee: $7665

3.5%

Selling brokerage fee: $7665

3.5%

Broker Commission fee: $179
Owner title policy: $603

Is this mandatory or recommended? I thought the buyers buy a policy and I have my title insurance policy from when I bought it.

Deed & Affidavit: $60
Search & Exam Fee: $280
Prorated taxes: $2600

Property taxes for the year are $1940 so is this just a high guess and I would receive money back?

TIEFF: $5
Wire Fee: $25
Overnight courier fee: $50

I'm in Arizona so this seems high but ok

Home warranty: $420
Miscellaneous: $100

Huh?


Total deductions: $19652
Estimated net to seller: $199,348

This puts my effective rate at like 8.97%. Are these numbers typical?
Question Deals
Economics of Rehabbing a House (i.e., am I overbuilding an old house?)
Added on : Wednesday June 04th 2014 04:00:10 AM
g: 1 Posted By: ltcm
Views: 136 Replies: 10 I'm considering purchasing a house that needs substantial updating to use as my primary residence. The house is on nearly an acre, was built in the 1950s, added on to in the 1970s, and not much has been done since. It appears to be an estate sale, and the property hasn't changed hands in 25+ years. The sellers are asking $290K, and it's only been on the market for a few days. The market around here is really hot right now, but I don't think this property will necessarily be a super hot commodity. I'm prepping an offer around $250K, and would be willing to go up from there, but I'm not sure how high.

The concern I have is overbuilding the house for the neighborhood. The neighborhood is a total mixed bag, but is in a very desirable location. The nearby properties include houses just like this, along with $1M+ properties that were recently build after tearing down the old house and starting over (it's a small neighborhood, these properties are literally three houses down the street and the neighborhood is probably 1/2 old and new). My agent thinks the land is the most valuable part of the property, valuing it at around $200K, but she says she wouldn't personally put any money into this house and would instead tear it down. I don't know if I believe this. If I put a reasonable amount into rehabbing ($50-60K as a ballpark), I think this could easily be a $400K+ property for someone who wants to live in this area, but who can't afford the $1M+ new property. The other potential complication is that another neighborhood is slated to go in across the highway within 3-5 years. My agent thinks these will be $500K-$600K properties, but on much smaller lots. I think, like me, there are people that value a really large lot in a good location, but I've not done something like this before and would like to get some good counsel first.

Any thoughts from all of the real estate pros on here?

Real Estate Deals
Inheritance Question
Added on : Tuesday June 03rd 2014 06:00:06 AM
g: 0 Posted By: dd564
Views: 16 Replies: 0 Family situation:
I have 3 brothers and a sister. All five of us are married and are in our late 30's - early 40's.
My parents are 82 and 67 and they live on a farm where we all grew up. The farm has been in the family for a couple generations and it is important to my dad that after they pass away that the farm stays in our family name.

Because of this, they don't want my sister to move to the home because she has a different last name.
I don't want to move to it because my wife and I aren't interested. We live about 30 minutes away, and don't see ourselves moving there in the next 5, 10, 20, 40 years. Two of my other brothers don't want it or couldn't afford to buy it. The other no one wants to take it, because it would turn into a junkyard of waste like his current house.

One of the things they are trying to put into the will / trust is that the farm must stay in the family name. I'm not sure if this is for a number of years, or until we all die, or what. No one has any idea who would actually live there or be able to purchase it, or want to. They think just renting out the land is good income that could be split five-ways. Meanwhile, the house and home place doesn't have a logical new owner.
Also, my three brothers who live nearby all use the current buildings for storage, work-space, etc., and my sister and I assume they'll continue this use (thus they like the idea of the farm staying in the name) after they pass.

I believe the way it is written, this would be shared property. My concern is that in this situation, what is to prevent anyone (a sibling, or an in-law) to use the inherited land as collateral, essentially creating a cesspool of debt if they should desire.

Is my concern unwarranted?

Free Kindle Book - Javascript for Beginners
Added on : Tuesday June 03rd 2014 02:00:06 AM
g: 0 Posted By: remick
Views: 52 Replies: 0 http://www.amazon.com/Javascript-Beginners-Mark-Lassoff-ebook/dp...

Have you wanted to learn how to program? Have you wanted to improve your web site, or your web site development skills? Do you know some HTML and want to take the next steps? Are you a graphic or web designer who wants to be more employable?

These days competent programmers have identified Javascripts real potential and uses, and it has gone from a toy language to the main language of the browser. It has become one of the most useful languages of this era. Every developer needs at least a basic understanding of Javascript. A developer who knows Javascript is the rockstar of the company and is in constant demand by employers. This Javascript Book will get you started by teaching all the essential aspects of coding in Javascript.

Based on the author's popular classroom and internet class, this is not just a book, but an interactive course on Javascript complete with lab exercises and dozens of code examples. You'll not only learn the Javascript syntax but be well practiced in basic Javascript development as you work through the code examples and labs.
Totally Free Deals
g: 0 Posted By: invisible
Views: 78 Replies: 0 Perhttp://www.fullofdeals.com/forums/arcmessageview.php?catid=52&thre... did the NFL Visa card deals that has been sock drawer-ed.

Issuer says use or we close ... what is best course of action: let it close (one less thing to worry about) or do a $1 transaction & pay off keeping it alive?

From credit score perspective does that make any (much) difference? Anything else to consider?
Question Deals
Inheritance situation (mother-in-law NOT dead)
Added on : Sunday June 01st 2014 01:00:05 AM
g: 0 Posted By: jhuflyer
Views: 0 Replies: 0 Mother-in-law, verbally, told us about her intent of inheritance. We haven't seen the will and probably won't until executed.

She has a house which is completely paid off on the East Coast and it will go to my wife and her sister upon death, current worth about$320k. There's a clause however that her 3rd husband (deadbeat: b&e, marijuana poss, constantly on unemployment, DUI, credit issues, foreclosure), is allowed to live in the house until he dies, or wants to move out. Supposedly he has no right to the house according to a prenup (I have no access to this either).

i don't want to be laden with a house I own in the future where some deadbeat isn't paying for utilities, trashing the house, or paying property tax. Any thought,discussion, or experience?

BTW, I posted here more for entertainment purposes than anything as I'm very prepared to use a lawyer when the situation arises. And will also conjecture with a lawyer within the next couple months.
may not be as simple as it seems ?
Added on : Friday May 30th 2014 11:00:06 AM
g: 0 Posted By: vistaluck
Views: 146 Replies: 5 so long story short. some 1 owe me about $30,000 cash 1 year ago but he doesn't have cash to return it back to me so he is trying to give me some electrical equipments to cover the debts. The initial plan was to make at least double of that $30,000 but I only got $5000 as interest. The equipment worth $1800 a piece market value. However, he changed his mind again since these equipiments can sell so he don't want to give all to me at once. If its all at once, it would be 16.7 pieces of equipments so I guess its 16 pieces + $1200 cash or something.

So now, he just wants to give me discounts as pay back. He sold it to me at $1600/piece but $200 is paying the debts to me. I still have to pay him $1400/piece cash to buy. So lets say I buy 10 pieces, he is paying off $2000 debts to me. so it will take a while to pay off. Each month, I may just take 10 pieces.

My question is which method is actually a better deal. Have him give me all 16 pieces + $1200 or the slower method and may look more like a better deal because the price per piece is only $1600.

I know I made a mistake anyways. However, this guy already gave me a lot of deals before and I already made some money from him. Therefore, I can really go flip on him and get him pissed off.

Through this, I learned its never a good idea to loan money to any of your friends even the ones who made you money before because you never know when they may scam you and get a portion of your hard earn money back.

I still think this is a huge loss for me. You know how I calculate it. So if you got $30,000. You can pay this to principle of your mortgage, you will instantly save another $30,000. And when you pull out equity loan from your house, you can pull out another 75% of that $30,000 you just put in so thats $22,500 so you just put in $30,000 in and make $52,500. Plus you shorten your loan time a few years by putting in that $30,000. So this $30,000 probably has just make you $82,500 total.
Personal Finance Deals
Lawyer wants to be fired
Added on : Tuesday May 27th 2014 04:00:08 PM
g: 0 Posted By: LOOPHOLE
Views: 276 Replies: 4 Serious dilemma here, my divorce lawyer of 9 monthskeeps "asking" me to fire her, she's even tried to provoke me to fire her. The problem is thatthere's a trial scheduled for next week! I don't think she's prepared and is looking for a way out as she would never be allowed to withdraw at this stage. She's assured me all along that her "nice strategy" was going to work & she had an understanding with the enemy,but then opposing counsel started hammering and dropped a bombshell yesterday with respect to property settlement, now I feel like I'm about to be slaughtered here. I called her out on blatant lies in her emails. I am definitely going to report her to the state bar, but not sure how to proceed otherwise. Any advice appreciated.
Question Deals
g: 0 Posted By: remick
Views: 74 Replies: 0 http://www.amazon.com/Our-Worlds-Story-Eric-Burnett-ebook/dp/B00...

Do you know how we got to here?

Well, if you're like 97.4% of the people walking the planet, you haven't got a clue. Sure, you might know a bit about a couple rivers in Mesopotamia, how Socrates wandered around Athens asking questions or how Martin Luther got ticked off one day and nailed a really long essay to the door of a church. But to be honest (and don't be embarrassed), you've got some gaps.

Be dense no more. In "Our World's Story," Eric Burnett takes you through all the major tales, traditions and turning points of world history - not just European history, but WORLD history. You'll figure out real quick that the West might have had some crowning moments, but for the whole of human history, it's been the Persians, the Indians, the Chinese, the Muslims or some horse peoples from the steppe that have truly turned us into the clever little creatures we are today.

And when most world history books fade off once the Cold War comes to a close, this sometimes cheekily-written tome just gets going. It finishes with a distinctively comprehensive look at the 21st century challenges facing the nine major regions of today's world - Africa, Latin America, Japan, China, the Middle East, India, Russia, Europe and the United States.

"Eric Burnett expertly understands exactly what his audience wants to know, what they need to know. A page-turning account of our proudest achievements and our most colossal bumblings. It's world history for the rest of us." - Ibn Battuta



An Introduction to World Religions
http://www.amazon.com/gp/product/B00CSC1XD6

A companion to a Sophomore level introductory course in World Religions. Developed initially to accompany a course (REL.2300) offered at Eastern Florida State College.
This text is designed to serve as either a Companion Text (to be used along with a typical commercial text) or as a stand-alone text for an introduction to the field of World Religions.
Totally Free Deals
Accutire Digital Tire Gauge with LCD Display $6.49 in-store @ Kmart
Added on : Saturday May 24th 2014 09:00:06 PM
g: 0 Posted By: ctgolfer
Views: 123 Replies: 2 The accuracy that the Accutire Digital Tire Gauge gives you will have you so amazed, you'll be buying them to stuff in everyone's stocking's, even if it's not Christmas! The Accutire Standard Digital Tire Gauge includes a long-lasting lithium battery, convenient and ideal. No one wants to have to pull over on the side of the road and deal with changing a tire, so with a tire that is deflating, you'll want as accurate of a read as you can get. You'll be sure to get that with this gauge!

With the digital tire gauge at your service, you'll feel confident you're driving safely, always
Trusted, reliable brand like Accutire lets you know your tires are in good hands
ABS rubber-coated handle, and easy-to-read, extra-large LCD are features you want in a gauge
Long-lasting lithium battery is convenient and ideal
No more deflated tires to deal with!

www.kmart.com/shc/s/p_10151_10104_082W004660611002P
Tools & Automotive Deals

Kmart.com Coupons
Selling My Vehicle - Buyer Financing Purchase
Added on : Monday May 19th 2014 07:00:10 AM
g: 0 Posted By: Lappie
Views: 52 Replies: 1 Forgive me if this is commonplace these days, its been a while since I sold a vehicle outright.

Selling a Jeep Wrangler in Florida 14K.
Buyer is Financing with his Credit Union.
His Credit Union wants me to transfer title and add them as lien holder at DMV before they disperse funds to me.
Is this normal, should I do something to protect myself before transferring title in the paperwork.

Thanks!
Personal Finance Deals
Accutire Digital Tire Gauge with LCD Display $7.99 in-store @ Kmart
Added on : Saturday May 17th 2014 09:00:04 PM
g: 0 Posted By: ctgolfer
Views: 133 Replies: 0 The accuracy that the Accutire Digital Tire Gauge gives you will have you so amazed, you'll be buying them to stuff in everyone's stocking's, even if it's not Christmas! The Accutire Standard Digital Tire Gauge includes a long-lasting lithium battery, convenient and ideal. No one wants to have to pull over on the side of the road and deal with changing a tire, so with a tire that is deflating, you'll want as accurate of a read as you can get. You'll be sure to get that with this gauge!

With the digital tire gauge at your service, you'll feel confident you're driving safely, always
Trusted, reliable brand like Accutire lets you know your tires are in good hands
ABS rubber-coated handle, and easy-to-read, extra-large LCD are features you want in a gauge
Long-lasting lithium battery is convenient and ideal

www.kmart.com/shc/s/p_10151_10104_082W004660611002P
Accutire Deals

Kmart.com Coupons
Free Kindle Books- The Goodness of Ghee and Easy Indian Recipes
Added on : Thursday May 15th 2014 02:00:06 AM
g: 0 Posted By: remick
Views: 162 Replies: 0 http://www.amazon.com/gp/product/B00BB3OKD8

For thousands of years, Ayurvedic practitioners have held ghee in high esteem for its flavor, rich nutritional profile, and curative properties. Despite being a staple in Indian cuisine, ghee is rarely seen as an ingredient in traditional Western cookbooks. Many Westerners have never even heard of ghee and if they have, they arent entirely sure how to use it. Thats where this book comes in.
This handy guide provides quick tips and easy recipes to help you learn how to incorporate ghee into your daily cooking, health, and beauty routine.
The Goodness of Ghee explains:
What is ghee
How to prepare your own ghee from home


Easy Indian Recipes: Simple Homemade Indian Food You Can Make At Home
http://www.amazon.com/gp/product/B00JAQMY2M

Boasting over 30 delicious recipes, EASY INDIAN RECIPES: Simple Homemade Indian Food You Can Make at Home is a helpful resource for anyone who loves Indian food or wants to explore the wide variety of Indian cuisine and create their own Indian food dishes at home. Recipes are simple and delicious, and include traditional meals that can be found at any Indian restaurant. Recipes are for breakfast, lunch and Dinner and also for bread and rice, soups, salads and chutneys, as well as desserts. You'll learn how to blend spices, make chutneys and curries, bake sweet treats, and more.
How to cook with ghee
How to make butter-free dishes for every meal of the day
How to use ghee as a salt-free substitute for oil and butter
How to use ghee to relieve indigestion, constipation, dry skin, and sleeplessness
Totally Free Deals
Free Kindle Books- The Goodness of Ghee Easy Indian Recipes
Added on : Thursday May 15th 2014 01:00:05 AM
g: 0 Posted By: remick
Views: 79 Replies: 0 http://www.amazon.com/gp/product/B00BB3OKD8

For thousands of years, Ayurvedic practitioners have held ghee in high esteem for its flavor, rich nutritional profile, and curative properties. Despite being a staple in Indian cuisine, ghee is rarely seen as an ingredient in traditional Western cookbooks. Many Westerners have never even heard of ghee and if they have, they arent entirely sure how to use it. Thats where this book comes in.
This handy guide provides quick tips and easy recipes to help you learn how to incorporate ghee into your daily cooking, health, and beauty routine.
The Goodness of Ghee explains:
What is ghee
How to prepare your own ghee from home


Easy Indian Recipes: Simple Homemade Indian Food You Can Make At Home
http://www.amazon.com/gp/product/B00JAQMY2M

Boasting over 30 delicious recipes, EASY INDIAN RECIPES: Simple Homemade Indian Food You Can Make at Home is a helpful resource for anyone who loves Indian food or wants to explore the wide variety of Indian cuisine and create their own Indian food dishes at home. Recipes are simple and delicious, and include traditional meals that can be found at any Indian restaurant. Recipes are for breakfast, lunch and Dinner and also for bread and rice, soups, salads and chutneys, as well as desserts. You'll learn how to blend spices, make chutneys and curries, bake sweet treats, and more.
How to cook with ghee
How to make butter-free dishes for every meal of the day
How to use ghee as a salt-free substitute for oil and butter
How to use ghee to relieve indigestion, constipation, dry skin, and sleeplessness
Totally Free Deals
g: -3 Posted By: ArtieLange
Views: 90 Replies: 1 Avalanche Playful Puppies 2014 Wall Calendar $3.49 free pickup WalMart

http://www.walmart.com/ip/Avalanche-Playful-Puppies-2014-Wall-Ca...



The Avalanche Playful Puppies 2014 Wall Calendar is sure to win its way into the viewer's heart. These photographs of playful puppies will help keep you feeling warm and joyful all year long. This calendar forms part of a premium-quality line of calendars featuring exquisite photography and art. The Avalanche decorative Wall Calendar line comes with vivid imagery and designs and many titles include inspirational quotes, poetic verse and religious scriptures. This decorative wall calendar can be hung up easily with a nail to brighten up the ambiance of a space. This calendar would make a great gift to someone who enjoys puppies and wants to be display new images of them every month on a wall.
Avalanche Playful Puppies 2014 Wall Calendar:

Premium-quality calendar
A great gift idea for dog lovers
Avalanche calendar features exquisite photography and art
Vivid imagery and designs

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g: 1 Posted By: remick
Views: 194 Replies: 1 http://www.amazon.com/dp/B00GIAWDQK

Who Else Wants to Easily Repair and Maintain Their Bicycles At Home, With Tools That Can Be Found Anywhere?

At Last! Everything you ever wanted to know about bike repair - revealed!

Did you ever want to repair your own bicycle at home?
Do you dream of being able to remove, clean or replace individual parts of your bike with zero anxiety?
Are you interested in repairing and maintaining your bicycle/s at home?

If you answered "yes" to any of the questions above, then this may very well be the most exciting message you've read all day. Here's why...

You're about to discover a proven system for bike repair that is so easy to follow that anyone can do it. This system works whether this is your first bike or tenth bike already - anyone can learn this system in a matter of days.

Here's the thing: repairing your bike is NOT rocket science.

Anyone can learn it and absolutely anyone who wants to can master it, too.

When you know how to use basic tools like the screwdriver or the wrench, you can learn how to repair a bike like a pro.

What most people don't realize is that maintaining a bike is also extremely easy to do. I know, because...

I've been repairing and maintaining more than five different bikes for over fifteen years!


Here's just a taste of what you'll discover...

You'll discover much more in this rare and candid guide to expert bike repair.
How to winterize your bicycle with these 3 simple techniques...
3 little known, yet simple ways to avoid damaging the braking mechanism...
Secret of expert bike mechanics that few people ever know about...
3 proven steps to better lubrication...
2 simple keys (that are right in front of your eyes) to rust-free hinges and joints...
WARNING: 3 things you should never do when it comes to using antirust agents like WD40...
You'll discover in just a few short minutes how to properly remove a wheel...
6 time tested and proven strategies for lubricating all of the parts of a bike...
When to apply antirust and when to apply machine oil to your bike parts...
7 everyday but often overlooked tips and tricks for preserving your shock system...
A pennies on the dollar approach to preserving the metal frame of a bike...
How often to apply lubrication...
How to properly remove nuts and bolts from tight corners of a bike...
The once famous but forgotten secret that instantly allows you to repair a deformed rim even when you are on the road...
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g: 0 Posted By: dxulab
Views: 167 Replies: 5 I made an all cash offer on a $240k new construction home to be built. In the builder's counter offer, he wants $3k earnest money deposit to be released to him 15 days after the contract is executed and an additional $9k non-refundable deposit directly to him after final plans are signed. I see this risk on my end, but don't want to back out of the deal yet. What can I write in my counter offer to move things closer to a final agreement and minimize my risks at the same time?
Thanks!
g: 2 Posted By: remick
Views: 245 Replies: 1 http://www.amazon.com/dp/B007KO2F7U/

4.8 out of 5 stars (56 customer reviews)

You absolutely can reign in life and be the overcomer God intends you to be, taking charge of your personal world and changing the world around you. You don't have to allow sin, Satan, or the circumstances of life to weigh you down.
Beginning with your private world--your thoughts, body, actions, and ultimately your God-ordained destiny--you can take charge. Authority is yours for the taking.
Then, because God established and so honors the principle of authority, He will back you as you walk in the government He has delegated to you concerning your extended world--your home, family, business, and possessions.
Finally, God's plan is for you to partner with Him on the earth in broader realms of influence and authority--your universal world. Jesus, the sovereign King over the earth, wants to rule institutions, cultures, societies, and governments through you and your prayers.
Authority in Prayer will show you how to take hold of God's promises and pray with the authority He wants you to have. God needs you. Are you ready to use your God-given authority to further His kingdom?


Beginning at The End (Finding God When Your World Falls Apart)
http://www.amazon.com/gp/product/B00599RFCI

5.0 out of 5 stars (20 customer reviews)


His Masterpiece: Discovering the Greatness Within
http://www.amazon.com/gp/product/B00IKXW5LQ


Bible Character Daily Devotions For A 366-day Calendar
http://www.amazon.com/gp/product/B00DTAKLBQ


I Might Bend But God Won't Let Me Break! 21 Inspirational Devotions and Positive Attitude Quotes
http://www.amazon.com/gp/product/B00HX46JKQ/
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Accutire Digital Tire Gauge with LCD Display $7.49 in-store @ Kmart
Added on : Tuesday April 29th 2014 09:00:05 PM
g: 0 Posted By: ctgolfer
Views: 147 Replies: 0 The accuracy that the Accutire Digital Tire Gauge gives you will have you so amazed, you'll be buying them to stuff in everyone's stocking's, even if it's not Christmas! The Accutire Standard Digital Tire Gauge includes a long-lasting lithium battery, convenient and ideal. No one wants to have to pull over on the side of the road and deal with changing a tire, so with a tire that is deflating, you'll want as accurate of a read as you can get. You'll be sure to get that with this gauge!

With the digital tire gauge at your service, you'll feel confident you're driving safely, always
Trusted, reliable brand like Accutire lets you know your tires are in good hands
ABS rubber-coated handle, and easy-to-read, extra-large LCD are features you want in a gauge
Long-lasting lithium battery is convenient and ideal
No more deflated tires to deal with!

www.kmart.com/shc/s/p_10151_10104_082W004660611002P
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Auto Loan Trouble
Added on : Monday April 28th 2014 07:00:12 AM
g: 0 Posted By: whyhello
Views: 163 Replies: 3 Started July-2013 - July 2018
13k Car
Interest Rate 15%
12k Balance Amount
$350/monthly payment - 60/months
Car Insurance - $220

^^^^These are rough estimates -


She is expecting a baby in November and plans to work after a couple of months after the baby is born. Providing childcare and this car payment/insurance, she will not have enough money. She has an uncle who is giving her an old civic which she can use for transportation, but wants to get out of this auto loan. Any suggestions?

Personal Finance Deals
Home seller wants to rent house after it is sold.
Added on : Monday April 28th 2014 02:00:07 AM
g: 0 Posted By: Luser
Views: 17 Replies: 0 Hi FWF,

I am purchasing my first home. The seller wants to rent the house after it is sold to me. They said their goal is not to stay at the house, but to look for a new one. No rent amount has been discuss at this time. I know this situation has come up for some of you. Is there anything I should as my lawyer to add in the contract? Any precaution? Please share you story if you were in this situation.

Thanks
Real Estate Deals
g: 0 Posted By: remick
Views: 37 Replies: 0 http://www.amazon.com/gp/product/B009TE79XO

4.7 out of 5 stars (29 customer reviews)

#1 Amazon Bestseller ● #1 Rated College Success Book in America (Voice of Youth Advocates Review)

"I read Kick Ass in College cover to cover in only 3 days. After the first hour, I felt a great sense of motivation to pursue my studies and enjoy college... The chapters unfold with urgency, frankness, and humor. Gunnar really speaks the truth..." ~U. Phan / 5.0 out of 5 stars

"Head and shoulders above the rest... I searched for words of wisdom that would ease my daughter's transition into college life. I ended up buying her 3 books. But it was Kick Ass in College that she found to have the best information and helpful hints to survive... We liked this book so much it has become my standard high school graduation gift!" ~Gayle Keller / 5.0 out of 5 stars

Limited-Time Price! ● Click On Book Cover Above to "Look Inside" for a Quick VIDEO INTRODUCTION!

"The most succinct, practical, engaging and immediately useful success-in-college book available." ~Voice of Youth Advocates Library Review

"I absolutely love Kick Ass in College. I have read the book twice before, and now for the third time. I re-read it before each semester, and I have been kicking ass ever since. I had to leave school with a 1.5 G.P.A. but when I came back my grades jumped to a 3.4. I graduated with a 3.8! The book is wonderful and I recommend it to every college student I know!" ~K. Williams, Bowie State University | 5.0 out of 5 stars

"...will save students a lot of heartache... invaluable coaching for college." ~Professor John Barberet, University of Central Florida

"I wanted to give you a big THANK YOU! I'm returning to college in the spring (UCLA). I was feeling very intimidated... I appreciate the things you've demystified and clarified for me and the organized, concise and fun way you delivered this information!" ~Raquel Brejtfus, Barnes & Noble customer

"Must-read material for students seeking to use their degree as a springboard to an exciting career." ~Barbara Eureste, Director of the Career Placement Center, University of Texas at Austin

YES, Kick Ass in College is laugh-out-loud funny. But author Gunnar Fox is out for more than his readers' laughter: he wants their full attention and commitment to his study techniques and life strategies. In addition to providing a blueprint for classroom success and preparing students for the highly competitive job market that awaits them, this instant college classic tackles relationships, substance abuse and many other real-world issues.
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g: 0 Posted By: ArtieLange
Views: 134 Replies: 0 ZALMAN CNPS9500 AT 2 Ball CPU Cooling Fan/Heatsink $12.99 after $20.00 rebate w/code EMCPFWB85 Newegg

http://www.newegg.com/Product/Product.aspx?Item=N82E16835118003&...



For the PC-enthusiast who wants a desktop that looks sizzling hot, yet stays remarkably cool, check out the Zalman CNP9500 AT CPU Cooler featuring a fan and heatsink! This hi-tech cooling device lends a rich, bright look to your PC with its flashy heatsink and frame, durably crafted out of pure copper.The heatsink saves space with an architecturally sound 3-pipe system that effortlessly whisks heat away with the help of the automatic fans 92mm blades and 2 ball bearings. Controlling the fan is a PWM chip, which automatically adjusts the fans speed based on CPU temperature. It operates at a stealthy 18.0 dB at 1300 RPM and quietly revs to 27.5 dB at 2650 RPM during heated PC action.

PWM Control Fan A low-noise 92mm PWM Control fan automatically controls fan speeds ranging from 1,300rpm to 2650rpm for silent cooling in relation to CPU temperatures.
Unique Heatpipe Design Three innovative and curved heatpipes provide a heat capacity matching up to six heatpipes for maximized heat transfer.
Optimized Heatsink Layout and Ultra-Slim Fins A 100% copper heatsink with an aerodynamically optimized "tunnel" design and 0.2mm ultra-slim fins maximize heatsink efficiency with minimal weight and smoother airflow for optimum cooling.
Intel Platform Compatible Compatible with the Intel LGA 775/1155/1156 platforms, the Zalman CNPS9500 AT provides an ideal cooling solution for Intel Pentium 4, Celeron D, Pentium D, Core 2 Duo, Core 2 Quad, Core 2 Extreme, and Core i7, Core i5, Core i3 processors.

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Bank Asking to Authorize Tax Transcript from IRS for Credit Card
Added on : Thursday April 17th 2014 08:00:09 AM
g: 1 Posted By: PerkGetter
Views: 172 Replies: 3 I applied for a Credit Card for cash bonus purposes ($100 after $1,000 in purchases, etc...) I usually get approved instantly. This bank wants me to sign a form authorizing an entire copy of my tax transcript from the IRSbefore approving me. This seems pretty extreme for a credit card. They've already done a hard pull and have a copy of my driver's license and all the standard info an application requests. I thought I'd check here and ask if there is a reason not to authorize this request. I applied with honest figures, so there is nothing to hide, but certainly this is very personal information that I don't want to provide to just anyone. I already even have a checking account with them.
Personal Finance Deals
Boat Repair Scam?
Added on : Thursday April 17th 2014 06:02:01 AM
g: 0 Posted By: joemah
Views: 127 Replies: 2 Morning FW,

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

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

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

Any similar experiences? Any other suggestions?

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g: 0 Posted By: remick
Views: 171 Replies: 0 http://www.amazon.com/gp/product/B00ATHPR7U

4.2 out of 5 stars (18 customer reviews)

This penetrating novel-style memoir gives an unflinching glimpse into a subject taboo by much of mainstream society. Author Birgit Waldschmidt shares how she dealt with the dangers of selling herself and promoting sex as the greatest "high" a human can achieve. She dealt this intoxicating lust-drug as a "Starlight" of the night until her need to present a superficial image to the world almost destroyed her.

Some people deal Heroin, others Cocaine, but what about dealing Flesh? Are prostitutes the only ones who peddle their bodies for cash, or do we all use physical attraction to get what we want? Women resort to flirting or sexually flaunting their bodies to hypnotize the opposite sex. And men cannot resist the allure of a girl who wants to be America's next top model sporting a seductive hairdo, dazzling make-up or a tight mini-skirt. But the temptation to "prostitute" ourselves is a corrosive evil that permeates all cultures and flourishes, robbing lives and whole societies of innocence and our "essential organic nature."

This book contains the soul story of a once innocent girl named Birgit, who after losing her beloved father to divorce, discovers how pornography helps her escape her feelings of abandonment. Soon she embarks on a path of self-destruction that ultimately entangles her in a web of prostitution, obsessive fantasy, and impossible romance-and don't forget her relentless desire for stardom. Driven by her intense need to attain perfection so that somewhere, the "man of her dreams" would be forever hers, Birgit leaves Germany to test her fate in America. Little does she know that she's in for one hell of a ride ... one that nearly wipes her off the face of the Earth.

Ultimately, and above all, this is a story of hope ... a "shrinking violet" thrust into a twisted world finds a creative way to deal with her inner person and face the realities of sexual addiction and money lust that lead her to become a responsible adult. See how the implosion of Birgit's aha moment moves her to turn fate around.
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g: 4 Posted By: remick
Views: 629 Replies: 0 Intel Trusted Execution Technology for Server Platforms: A Guide to More Secure Datacenters
​http://www.amazon.com/gp/product/B00DREFPK6

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



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

4.1 out of 5 stars (19 customer reviews)

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




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g: 0 Posted By: remick
Views: 93 Replies: 0 http://www.amazon.com/Database-Driven-Website-using-MySql-ebook/...

Connecting a database to a webpage leads to interactive participation and not as static information being displayed. MySQL database can store records in tables which can be accessed (both updated and retrieved) through webpage forms.

This book will be useful for anyone who wants to understand how to connect a MySQL database to a web page. It is also intended for someone, who has ever wondered, How a webpage displays the result of a candidate given her unique_id as input? As in every remote school, colleges results are published on their respective notice boards, the same can be done in their website and viewed by all. Also one can prepare feedback forms that can be filled up online. Such data can be either used to update a table or make any query. The possibilities are many.
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How to handle obamacare as an employer?
Added on : Sunday April 13th 2014 11:00:10 AM
g: 0 Posted By: fleetwoodmac
Views: 91 Replies: 0 This is a question for a friend
He is a self employed person and he has one employee working for him, with wife and 2 kids working for him including himself he is 5 person company.

None of these 5 people had health insurance before.
He knows he is late because the due date was 3/31/2014 but he wants health insurance now for himself, wife and 2 kids.
He is also wondering if this is advantageous to give health insurance to 1 non family employee and then deduct this expense from income and charge this 1 employee accordingly.

So how is he supposed to handle this? I showed him texas health insurance exchange website but there is nothing for an employer there.

Please help!!


Question Deals
Activation vis a vis Heartbleed
Added on : Thursday April 10th 2014 04:00:08 AM
g: 0 Posted By: shinobi1
Views: 86 Replies: 1 I had already posted on activation, in general, earlier this year:

Link to old thread

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

So given:

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

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

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

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



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

5.0 out of 5 stars (12 customer reviews)

INSIDE: Download FREE Bonus Collections!

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

5 STAR reviews say:

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

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

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

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

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

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

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

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

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



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

5.0 out of 5 stars 3 customer reviews)

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

What Happy Kids Know is the first book on the subject of happiness written specifically for young readers. What Happy Kids Know uses well-established principles of cognitive psychology to provide step-by-step instructions and examples to help young minds find balance, perspective, and happiness to last them a lifetime.
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Son wants to be a Pediatrician, what's a backup plan if he fail?
Added on : Monday April 07th 2014 08:00:06 PM
g: 0 Posted By: OneBread
Views: 51 Replies: 2 My son is a senior in HS and he wants to become a pediatrician as a career goal. That would be great if he cando it and I support him all the way. But frankly I have serious doubt if he can do it. I just don't think he has the smarts. I'm not just being hard on him; just realistic. He tries very hard in HS but the grades and tests don't reflect his effort. As an example, he already took Calculus and currently taking AP Calculus, but his college assessment test shows his math level should be intermediate Algebra. So my question is this:

What if he pursuit the pediatrician path but does not make the cut? What is a relevant backup plan? Does he become a medical lab technician or work in a hospital lab or something?
Question Deals
g: 1 Posted By: Deals4mykids
Views: 123 Replies: 1 http://www.amazon.com/gp/product/B00GOZV3TM
4.4 out of 5 stars.

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

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

ENDORSEMENTS

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

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

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

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

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

ABOUT THE AUTHOR

Dr. Stephen R. Covey (1932-2012) was a world-renowned authority on leadership and family relations. He held a Bachelor of Science from the University of Utah, an MBA from Harvard, and a PhD from Brigham Young University. Dr. Covey served as Vice Chairman of FranklinCovey Co., and was an in-demand speaker, teacher, and organizational consultant. Throughout his career, Dr. Covey brought new insight and understanding to millions of readers and students.
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A member of my family is facing a lawsuit of $35,000 by her landlord.
Added on : Wednesday April 02nd 2014 01:00:07 PM
g: 1 Posted By: noelandres
Views: 189 Replies: 10 My grandmother apparently has a lease signed with a landlord in the United States since 2005. My grandmother lives in the Dominican Republic, and only goes back to the United States and Puerto Rico to visit her sons and daughters for 1-2 months. The reason she signed that lease was to help her niece. Apparently the niece would have not been able to get the place without my grandmothers help. The lease if for a commercial space. The niece has a hair salon in that place.

The niece stopped paying the rent in October 2013. The niece has been having personal and financial problems due to her son being arrested for theft. This event is probably what has caused all this. Apparently, she stopped working on the salon, and she subleased the salon to another person, not sure on when exactly this took place. Probably the person who subleased the salon didnt pay her, or didnt pay the landlord. I dont know if the landlord was aware of this sublease or not.

In December 2013, the niece was served the lawsuit, but didnt mention anything about it to my grandmother. My family found out yesterday (almost 4 months after the lawsuit was served), because a sister of my grandmother went to the nieces place to stay a couple of months, and saw the letter with my grandmothers name. The letter was in English, and she couldnt understand what it said. But she was clever enough to take photocopies of it, and sent it to my mother. I translated the document to my mom, and she gave the bad news to my grandmother.

The landlords lawyers are asking for back rent, late fees, legal fees, security, water & sewer and real estate taxes, totaling about $35,000. The funny thing is that the late fees are greater than the back rent. They are also asking for a warrant to remove the respondents from the premises. These are the details:

Back Rent: $10,120
Late Fees: $14,400
Legal Fees: $1,500
Security: $430
Water & Sewer: $6,400
Real Estate Taxes: 3,600
TOTAL: $36,450

My grandmother doesnt have that amount of money. She owns a house in the Dominican Republic, in which she lives, and she receives a Social Security check of $400/month. Her bank account barely has $1,000. Im amazed that she was able to secure that contract, given her income and assets. I guess this was way back in 2005, when creditors barely checked applications. Im not a lawyer, but I understand that you are considered served only when the letter is given to you in person. The person who delivered the lawsuit served an employee of the salon, who I assume gave it to my grandmothers niece. I am guessing that legally my grandmother is not at fault for not attending court when she had to, since she was unaware of this situation. She can prove that she has been in the Dominican Republic all this time. But my grandmother is a responsible person, and she is making plans to go personally to attend to this issue. I would have to go to, since she doesnt speak English.

I would like to know how to best help my grandmother. What are her best options. Is her house in the Dominican Republic at risk of being taken by the landlord? Is her social security check at risk? Are the landlords lawyers being reasonable with their request? Might there be an arrest warrant on my grandmothers name at this point? This is some serious stuff that just fell on my familys lap. So what are our best options?

tl;dr My grandmother signed the commercial lease of her niece back in 2005. For some reason, the lease is still on my grandmothers name. The niece stopped paying rent in October 2013. The landlord is suing my grandmother for back rent, late fees, security, water & sewage, real estate taxes, and legal fees in the amount of $36,450. My grandmother doesnt have the money, just a house in the Dominican Republic, which she owns free and clear, about $1,000 in her bank account, and an income of $400/month of Social Security. She wants to travel from the Dominican Republic to the United States to solve this issue, and I will be meeting her to help her. I need advice from my friends at FWF.
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g: 0 Posted By: remick
Views: 118 Replies: 0 http://www.amazon.com/gp/product/B004BSGJFW

4.8 out of 5 stars (1,320 customer reviews)

In this tranquil bedtime story, a baby sea turtle hatches on the beach and wants to find his mother. And he knows just how -- he'll follow the moon! From his gentle struggles to break free of his egg to his determination to dig his way out of the sand nest and his eager shuffles toward the ocean, we follow the baby sea turtle on each step of his instinctive journey back to his loving mother who awaits him in the sea. Stephanie Lisa Tara's gentle verse along with Lee Edward Fdi's soft, earth-toned illustrations capture the gentle natural beauty of this nocturnal beach migration. Your young readers and listeners will be rooting for the young sea turtle as he works his way toward the sea and be thrilled to see him reunite with his mother, even as they discover the beauty of this real life struggle of the green sea turtle.
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Renter wants to move out before end of lease
Added on : Monday March 31st 2014 09:00:11 PM
g: 0 Posted By: mdtails
Views: 58 Replies: 2 I have a renter that wants to move out before the end of her lease. She signed a one year lease with a onemonth security deposit. Now 6 months into the lease, she wants to move out as she bought a residence nearby. She is moving out regardless and is not going to pay the remainder of her rent. I'm in CA. What are my options as a landlord? Do I have to take her to court to obtain a judgement against her or can I report her directlyto a collection agency and have them obtain the money owed from her?
Question Deals
Trying to sell property
Added on : Saturday March 29th 2014 06:00:08 PM
g: 0 Posted By: Sania
Views: 135 Replies: 3 I am trying to sell a piece of land which I purchased while market was at the peak in 2005. Due to personal financial crisis I am trying to sell it. When I looked at the market rate, it seems that I am not going to get the purchase price. So to try to save some money from the realtor commission, I am trying to sell it myself. While looking up online I found few web sites which helps the people who wants to sell by themselves. Here is one example: http://www.mlsmyhome.com/. They will charge some flat fee to create an MLS number and add it to the master database.

I wanted to know from my fellow Fwers, does anyone sees any catch with this? It is too much work that a normal person can't deal with? Any feedback will be greatly appreciated.
Real Estate Deals
Direct Deposit to someone else?
Added on : Saturday March 29th 2014 03:00:08 PM
g: 0 Posted By: tjguitar85
Views: 105 Replies: 3 help! I have an out-of-state landlord who wants me to set up a recurring direct deposit to their account for rent. They gave me an account number and routing number. I haven't a clue how to set up a recurring ACH to somebody else - I did not know that was even possible. i certainly don't want to pay wire transfer fees every month...does anyone have any experience with this?
Deposits Deals
Independent broker doesn't want to reimburse cash
Added on : Monday March 24th 2014 03:00:09 AM
g: 0 Posted By: fleetwoodmac
Views: 0 Replies: 0 He is my agent as a buyer and we just closed on a house. He says it is illegal to reimburse as cash and instead he wants to pay the first 2-3 mortgage payments

Does anyone know why it is illegal?

And also, if I received cash from him, would it be taxable?
g: 5 Posted By: remick
Views: 1046 Replies: 0 Developing Your Assertiveness Skills and Confidence in Your Communication to Achieve Success, How to Build Your Confidence and Assertiveness to Handle Difficult Situations and People Successfully
http://www.amazon.com/Developing-Assertiveness-Confidence-Commun...

4.9 out of 5 stars (8 customer reviews)

Would you like to be better at communicating your ideas and feelings? This book will provide you with the tools and techniques to become a more assertive communicator. It is full of practical tips, case studies and exercises, which can be found at http://www.uolearn.com.These will build your skills and change the way you communicate to help you achieve your goals. There are different types of behavior: high level aggression, low level aggression, submissive and assertive. This book helps you to identify the behavior and develop a strategy to deal with it. There are lots of exercises and suggested techniques that work on developing your confidence and skills when dealing with a wide range of situations. There is advice on choosing the best thing to say and the way to do it. The book gives plenty of advice on how to say no, raise award issues and stand your ground. An important part of being assertive is to prepare yourself for the conversation before it takes places and there is a step by step formula for helping you to do this. Build you confidence, self-esteem and skills to be able to get your point across even when working with difficult situations. There are over 31 practical ideas to help you learn to communicate assertively. About the author - Deborah Dalley Deborah was a trainer with the Greater Manchester Police and lectured at Salford University. For the last 12 years she has been running a successful training, coaching and consulting business. Deborah has been delivering assertive communication workshops for over 25 years for groups in the public, private and voluntary sectors. She delivers training sessions, coaches individuals and facilitates team events that specialize in helping people successfully deal with difficult situations. She is also the co-author of the book Developing your Influencing Skills. What do people think of this developing your assertiveness skills book? This is the first time that I have really understood the difference between being aggressive and being assertive. This has helped me to develop new strategies for dealing with someone at work who I realize uses a lot of low level aggression to get what she wants. Practical and engaging! I have already used several of the suggested ways to say no to great effect so thank you! I always imagined that other people just knew how to deal with difficult situations, I now believe that with practice anyone can manage it. The book has opened my eyes, I feel empowered and ready to take responsibility for my life. I thought this book was excellent, readable and easy to work through.
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Retailers sends wrong product, wants to charge to correct it
Added on : Friday March 21st 2014 08:00:17 AM
g: -1 Posted By: medion
Views: 89 Replies: 3 Long story made short, my wife broke the remote to our 6 year old Samsung HDTV. I looked at generic universal remotes, but opted instead to go the OEM route. Ordered from this page:

http://www.samsungparts.com/Products/Parts_and_Accessories/PID-B...

After shipping and handling charges, the order came to $53.25. When I got my shipping notice, they instead shipped me this item:
http://www.samsungparts.com/Products/Parts_and_Accessories/PID-B...

Despite the similar price on their website, trust me when I say that these are NOT equivalent items. I called them and this is what they confirmed for me:

When they are out of stock or back ordered, they will, as a courtesy and at their discretion, substitute a "comparable" item. There is no need for them to provide notice to the customer for this.
I may return what they send me within 30 days. However, I must pay return shipping, and they will only refund the $42, not the $53.25 that I paid.

I find this to be unacceptable. But, I don't want to jump the gun and issue a chargeback yet. Wanted to see what the FWFers have to say on this matter.

Some things I've considered (I'm a smartass):

issue chargeback (strongly considering this)
tell them that they can have their remote back that they accidently shipped to me, provided that they pay shipping (strongly considering this)
remove the remote, insert my broken remote and/or a rock and tell them, "as a courtesy and at my discretion, I have substituted a comparable item and did not see a need to notify you of this." (not seriously considering it, because it's wrong on so many levels, but so tempting...)

Personal Finance Deals
g: 1 Posted By: remick
Views: 164 Replies: 0 Developing Your Assertiveness Skills and Confidence in Your Communication to Achieve Success, How to Build Your Confidence and Assertiveness to Handle Difficult Situations and People Successfully
http://www.amazon.com/Developing-Assertiveness-Confidence-Commun...

4.9 out of 5 stars (8 customer reviews)

Would you like to be better at communicating your ideas and feelings? This book will provide you with the tools and techniques to become a more assertive communicator. It is full of practical tips, case studies and exercises, which can be found at http://www.uolearn.com. These will build your skills and change the way you communicate to help you achieve your goals. There are different types of behavior: high level aggression, low level aggression, submissive and assertive. This book helps you to identify the behavior and develop a strategy to deal with it. There are lots of exercises and suggested techniques that work on developing your confidence and skills when dealing with a wide range of situations. There is advice on choosing the best thing to say and the way to do it. The book gives plenty of advice on how to say no, raise award issues and stand your ground. An important part of being assertive is to prepare yourself for the conversation before it takes places and there is a step by step formula for helping you to do this. Build you confidence, self-esteem and skills to be able to get your point across even when working with difficult situations. There are over 31 practical ideas to help you learn to communicate assertively. About the author - Deborah Dalley Deborah was a trainer with the Greater Manchester Police and lectured at Salford University. For the last 12 years she has been running a successful training, coaching and consulting business. Deborah has been delivering assertive communication workshops for over 25 years for groups in the public, private and voluntary sectors. She delivers training sessions, coaches individuals and facilitates team events that specialize in helping people successfully deal with difficult situations. She is also the co-author of the book Developing your Influencing Skills. What do people think of this developing your assertiveness skills book? This is the first time that I have really understood the difference between being aggressive and being assertive. This has helped me to develop new strategies for dealing with someone at work who I realize uses a lot of low level aggression to get what she wants. Practical and engaging! I have already used several of the suggested ways to say no to great effect so thank you! I always imagined that other people just knew how to deal with difficult situations, I now believe that with practice anyone can manage it. The book has opened my eyes, I feel empowered and ready to take responsibility for my life. I thought this book was excellent, readable and easy to work through.
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Tall, Dark Alpha Boxed Set (10 full-length stories) for 99 Cents
Added on : Tuesday March 18th 2014 09:00:04 AM
g: 0 Posted By: cocobuttr72
Views: 94 Replies: 0 Tall, Dark and Alpha Boxed Set $. 99 Cent For 10 Full-Length StoriesTall, Dark and Alpha Boxed Set is a collection of 10 full-length stories about alpha males. Value saved for getting this boxed set is $30

Amazon :http://www.amazon.com/Tall-Dark-A...B00IUQ872Y

Barnes & Noble:http://www.barnesandnoble.com/w/t...8097&itm=1

LIST OF INCLUDED BOOKS

Rock My Boat by Afton Locke:Rhonda Simms embarks on a cruise to create an ad campaign. Instead, she lands Simon Mann, a blue marlin shape shifter who will do anything to be human again. Will she let him rock her boat?

Silver Tongued Devils by Dawn Montgomery:Captain Na'varr and his executive officer, Brom, know they have a good thing when they capture stowaway hacker, Raesa, with her hot temper and dangerous curves. They want her, body and soul just as she wants them. But such trust endangers them in ways none of them can anticipate. Dare they risk it all?

Fight for Love by Delaney Diamond:Rafael Lopez, former professional wrestler and "Sexiest Athlete Alive," is back and determined to hold onto the woman he lost, but still loves, and the son he never knew existed.

Crazy (Vampire Love) by Eve Langlais:Ella hears voices and they don't like anyone. But not even poltergeists can stand in the way of a vampire in love.

Sex with an Ex by Eve Vaughn:When these two divorcees reunite in the bedroom, the sex is hotter than ever. But can their hearts survive the second time around?

In Her Wildest Dreams by Farrah Rochon :When Erica Cole, owner of "Your Wildest Dreams" event planning, requests his help in creating a Valentine's Day fantasy date for her clients, chocolatier Gavin Foster sees it as the perfect opportunity to show her just how sweet their reality could be.

Player's Challenge by Koko Brown:Sports agent Gemma Clarke must face the biggest challenge of her young career: represent her former lover and bad boy footballer, Devin Spencer. Their passionate love affair ended badly. Now he's back to prove to Gemma he's changed and convince her to give them one more chance.

Two Cops, a Girl, and a Pair of Handcuffs by Paige Tyler:Cilla Garner has it bad for hot cops Hayes Prescott and Reed Lockwood. If they both end up asking her out, she doesn't know how she'll choose. Having a threesome doesn't even enter her mind until they hint at it, and then it's all she can think about.

Chase and Seduction by Randi Alexander:Country music superstar/actor Chase Tanner has never wanted anything or anyone more than gorgeous screenplay writer Reno Linden. To Reno, Chase is larger than life, sinfully sexy and hell-bent on getting her into bed. Reno risks the plunge into Chase's arms, but will their attraction survive the glitz and stress of fame?

Tall, Dark and Apocalyptic by Sam Cheever: He's a hunter in a world turned upside down. She's his prey, a creature of dark magic. But the passion burning within them may be their undoing.
Books Deals

Amazon Coupons
Free Ebooks 3-12-14
Added on : Wednesday March 12th 2014 04:00:09 AM
g: 0 Posted By: jhall1822
Views: 97 Replies: 0 Note: As always check the price of the books before you purchase, they do not stay free forever! I am posting any books rated 4 stars or higher from FreeEbooksToday

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

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

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

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

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

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

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

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

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

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

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

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

A serial murderer nicknamed the Blood Dahlia has been terrorizing the quiet suburbs of Pennsylvania. Brutally mutilating his victims in the fashion of the most famous murder in Hollywood, the killer leaves no trace behind.
The FBIs elite Behavioral Science Unit, the section responsible for the study and investigation of serial murder, has little evidence to go on. Believing the killer to be beyond their reach, the agents in the BSU decide they must simply wait for the killer to make a mistake until they meet Sarah King.
Sarah, a mysterious outcast of the Pennsylvania Amish community, claims she has a unique ability: she can speak to the dead. And the victims of the Blood Dahlia are calling out to her.
When the FBI enlists her help, special agent Giovanni Adami is skeptical of her abilities, but begins falling for the young woman. His feelings for her are clouded with his distrust of psychic phenomena, but as the Blood Dahlia grows in his barbarism, he knows the FBI has little choice but to explore every avenue available.
Whether or not Sarah can speak with the dead ultimately doesnt concern Giovanni. He is interested in results, and when Sarah begins providing some, he must question everything he knows about the world and his place in it. She is either the cleverest fraud he has ever met, or a true psychic with an unexplainable gift.
But when the Blood Dahlia takes an interest in Sarah personally, it will take every ounce of strength she has to survive. And as she prepares for him to come for her, she realizes that not everyone is what they seem
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g: 1 Posted By: remick
Views: 157 Replies: 0 http://www.amazon.com/100-Years-Of-Baseball-Intimate-ebook/dp/B0...

"No One Who Wants to Know Baseball History Should be Without this Book"-- Portland Press Herald

The story of America's pastime is rooted in our history. The most commonly told stories of baseball are no mystery. They can easily be found in any of the thousands of books on this team or that player. In100 Years of Baseball, we get to look even further into the past at the stories that didn't make the headlines.

Down through the years as baseball grew, Lee Allen traces the development... the New York knickerbockers of yesteryear; Jackie Robinson; the dark days of 1919, to the shenanigans of Durocher and MacPhail, and the New York Yankee world series monopoly.

For a full-fledged history of professional baseball with all its crises, climaxes and heroes100 Years of Baseballis a book that will excite you like no other.
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Estate Planning and Inheritance
Added on : Thursday March 06th 2014 02:00:08 PM
g: 0 Posted By: sonofangryparents
Views: 164 Replies: 3 First, sorry for the Alt-ID...
This post is spurred by my mother who spends a lot of time thinking about her death and what will happen to her possessions afterwards.
Our family consists of her, my dad, my sister and myself. My parents are getting into their 70s, my sister is in her mid 30s, and I am in my early 30s.
My mom and dad don't get along - but they've stayed married through it all (they still live together), and will likely continue to do so until death. My mom does not wish any of "her" assets to go to my father if she should die first, and wants to start doling out her estate now to also lessen any taxes. She refuses to consult a lawyer and create a will. She has instead put money into various joint accounts (Mom/Me, Mom/Sister) and has directed us children to take the money out as soon as she dies. However, both my sister and I are happy with our lives and are not chomping at the bit for such an inheritance; we are happy to let my dad have what we consider to be his money given that it should be considered community property.
A) Is this sort of sheltering even legal for my mother to be doing?
B) Can my mother actually create a will that can distribute certain possessions to her children and exclude her husband? She doesn't believe she can do so (which she uses as her rationale for not wanting to speak with a lawyer and draw up a will).

Also, my parents also own a couple homes in the SF bay area that are paid off and are currently used to garner rental income. My mom would like to pass these on to us - although neither of us are particularly interested in living on these properties in the future (although we would be happy to either continue getting rental income or selling them and using the proceeds to buy homes that we would actually wish to live in). What are the best ways to minimize the tax implications on gifting these? I know this is a loaded question, but it seems like this is a situation that would benefit from the creativity here at FWF.

It does seem like they should have gotten divorced a long time ago, but it doesn't look like that's going to happen...

Also, for the pics crowd - do you really need to see a picture of an angry 70 year old woman?
Personal Finance Deals
$80k in the bank....what to do?
Added on : Thursday March 06th 2014 05:00:22 AM
g: 0 Posted By: Scottiedug
Views: 102 Replies: 4 Hey FW'er's,

So I am generally not on the finance form because I keep burning through all my money buying deals listed on FW . However, I have a close friend that has just over $80k in the bank and she doesn't know what to do with it. I suggested to go and see a financial adviser, which she did, but the guy wants $2k per year to manage her money.....and so far has been very sketchy with what he would actually do. So, before she goes down that path I thought I would just ask what you all think.

Is $2k a year to manage a portfolio kinda expensive? I thought it would be more based on a percentage of the performance of her cash/his work.

If you did have $80k in the bank, and assuming you have zero debt, what would you do to invest the money? The checking account the money is in has very little interest, so I would guess its loosing value with inflation. The requirement only is, that she would like to get to the money in an extreme emergency, however a full $80k seems a lot, maybe $20k immediately, $60k sitting in some fixed term account as I suggested.

So I know its probably been posed a number of times, searching through the threads I pulled up some older answer, but if you have any thoughts what you would do today with that money, I'd love to give her some ideas!

Bitcoins and gold are probably out
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Free Ebooks 3-5-14
Added on : Wednesday March 05th 2014 07:00:10 AM
g: 0 Posted By: jhall1822
Views: 46 Replies: 1 Note: I only posted the books from FreeEbooksToday.com that have a rating of 4 or more, there are others if you are interested. Please make sure the books are still free on Amazon before purchasing!


Introducing Windows 8.1 For IT Professionals
Rating - 4.3 (20 reviews)Get a head start evaluating Windows 8.1 - with early technical insights from award-winning journalist and Windows expert Ed Bott. Based on the Windows 8.1 Preview release, this guide introduces new features and capabilities, with scenario-based advice on how Windows 8.1 can meet the needs of your business. Get the high-level overview you need to begin preparing your deployment now.
Preview new features and enhancements, including:How features compare to Windows 7 and Windows XPThe Windows 8.1 user experienceDeploymentSecurity featuresInternet Explorer 11Delivering Windows appsRecovery optionsNetworking and remote accessManaging mobile devicesVirtualizationWindows RT 8.1

50 Popular Types of Herb (The Herb Books)
Rating - 4 (4 reviews)~On the following pages you will find all the well-known culinary herbs together with many that have familiar names but which are not so widely used today. The herbs have been chosen for their flavouring and seasoning properties, as well as their special therapeutic qualities. These are the herbs which have the greatest variety of uses, and while it is not intended that all the herbs should be grown in the garden, the list offers a worthwhile selection from which to make your choice. The majority of the herbs are familiar as culinary herbs but many are also good medicinal or cosmetic plants.When you are considering which herbs to grow in your garden, you must first decide the purpose for which they are to be grown. Is it your intention to use herbs only in cooking? Would you prefer to grow a bed of medicinal herbs to make natural remedies and herbal teas? Perhaps you wish to grow the cosmetic herbs which are so fragrant and colourful.All the plants described in this section are comparatively easy to grow, and once established in their plot, need little attention. If you cannot grow them from seed, you will find the majority are obtainable at your local garden centre or herb nursery. A few such as elder, yarrow and marshmallow, can easily be found growing in the wild - so the seed can be collected from the plants in the appropriate season.To preserve the plants in the countryside from extinction, it is important that you only gather the seeds. It is also essential to correctly identify the plant before collecting any seeds from a herb growing in the wild. Although most herbs do run true to form, some plants cross fertilize with the result that scents and flavours become mixed. If you are in doubt about the appearance of a particular herb, try to see it growing by visiting herb gardens and nursery centres. This will often give you a better idea of how to fit a particular herb into your own garden arrangement.When planning your garden, list all the herbs you would like to grow, making a note of their heights and how you wish to use them. In this way you will find you have a good selection of herbs and a clear idea of how they can be used to their best advantage. By tradition, many herbs have a specific use, but with the emphasis today largely on the culinary herbs, most of the alternative uses remain untried. There are a great many herbs which can be used in cosmetics, and with the rising cost of these preparations in the shops, it is well worth making your own.

Jumpstart!: Your Way to Healthy Living With the Miracle of Superfoods, New Weight-Loss Discoveries, Antiaging Techniques & More
Rating - 4.3 (15 reviews)

A step-by-step plan to supercharge every area of your health Everybody wants to look and feel their best. Jumpstart! takes a multipronged approach to heath and wellness that provides impressive results quickly. Emphasizing the connection between mind, body and spirit, the author shows you how to:

Reset your weight to its optimal level
Reprogram your mind for success
Tap into the most powerful power source

When you start to drop the excess pounds and cleanse your body of stress and toxins, your body will begin to function at its optimal level, revving up your metabolism and immune system. Jumpstart! your health and get excited about the new life that is just around the corner!

The Juice Lady's Remedies for Stress and Adrenal Fatigue: Juices, Smoothies, and Living Foods Recipes for Your Ultimate Health
Rating - 4.3 (7 reviews)

~Dont let stress ruin your health.
Fight back with these all-natural juice remedies.
You dont have to suffer with the effects of stress and exhaustion. By simply adding more raw food to your diet, you increase your intake of essential nutrients and decrease the harmful effects of stress and adrenal fatigue on your body.

With recipes and recommendations for healing teas, juices, and smoothies, this quick-reference guide helps you naturally repair, rejuvenate, and reclaim your health. You also get valuable tips on stopping stress and adrenal fatigue at the source, including:

The connection between chronic stress and adrenal fatigue
Practical ways to lower your stress levels
Nine common symptoms of adrenal fatigue
Seven steps you can take to combat stress eating, and more!

Breaking Out Of A Broken System
Rating - 4.9 (88 reviews)~Has your life turned out exactly as planned?When you were younger did you have dreams of being a rockstar?
...a fireman?
...a doctor?Who did you want to be before the world told you who you should be?

When we're born, we enter a world full of systems, most of which are out of our control. There are tons of unwritten rules and social pressures we feel forced to follow.We're pressured to:
- study hard and get good grades
- get accepted and attend college
- graduate and find a secure job
- get married and start a family

We're trained not to stray too far from the path.If we follow this recommended path, why do we still feel that we're missing something?In Breaking Out of a Broken System, Seth & Chandler Bolt give you the tools to re-draw the lines, chart new roads, and expand the borders around your life.

Each of the brothers writes a totally different perspective on the 15 most important life lessons taught by their parents. These are things they thought everyone learned growing up, but they realized otherwise after going out into the "real world".

As you read, you'll have the option to read two completely different perspectives on each life lesson.You can start with the artistic account written by Seth, bass player for the southern rock band NEEDTOBREATHE.Or...Dive into Chandler's entrepreneurial story told from the perspective of the younger brother.There are two major benefits that will manifest from reading these intriguing tales. First, your life will gain a fresh new outlook on how blazing new trails can be the perfect addition to your own path.
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any way for my sister to pay bills without losing benefits?
Added on : Tuesday March 04th 2014 07:00:11 PM
g: 0 Posted By: IStillPickUpPennies
Views: 123 Replies: 3 My sister was diagnosed with cancer a few months back. She worked at a call center for almost a decade. There was lousy insurance there, and no job security at all. (you could be fired if your typing speed dropped just a little, etc.)

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

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

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

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

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

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

Can anyone think of a simpler way for her to pay her bills in a check-like fashion (mailing out some form of payment) without having to first deposit the money into her accounts? I am not really coming up with any good solutions for this, so I'd appreciate suggestions. Thanks so much for any helpful ideas you might have to try.
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Post Nup agreement
Added on : Tuesday March 04th 2014 04:00:03 PM
g: 0 Posted By: budryan
Views: 72 Replies: 1 Hey FWers,
I am heading down the divorce route with my wife of 1.5 years. She says that she does not want any of my money/asset and we can split evenly (her asset before marriage sticks to her and mines to mine). I believe her but I am wondering if I should get this in writing maybe as a post-nup agreement. What do you all think? We don't have a pre-nup. I don't want to piss her off and next thing I know she wants half. Also I am planning to get a divorce online so no lawyers are required and I can fill out the divorce application together with her. I don't know how many of you all have experience with this but curious what you all think.
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g: 0 Posted By: remick
Views: 1 Replies: 0 Holy Fire: A Balanced, Biblical Look at the Holy Spirit's Work in Our Lives (was $15.99)
http://www.amazon.com/Holy-Fire-Balanced-Biblical-Spirits-ebook/...

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

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


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

4.6 out of 5 stars (101 customer reviews)

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


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

4.5 out of 5 stars (88 customer reviews)

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


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

4.8 out of 5 stars (84 customer reviews)

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


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

4.5 out of 5 stars (51 customer reviews)

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


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

5.0 out of 5 stars (27 customer reviews)

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


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

4.6 out of 5 stars (11 customer reviews)

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


g: 0 Posted By: remick
Views: 563 Replies: 0 http://www.amazon.com/Jumpstart-Superfoods-Weight-Loss-Discoveri...

4.5 out of 5 stars (14 customer reviews)

A step-by-step plan to supercharge every area of your health Everybody wants to look and feel their best. Jumpstart! takes a multipronged approach to heath and wellness that provides impressive results quickly. Emphasizing the connection between mind, body and spirit, the author shows you how to:

Reset your weight to its optimal level
Reprogram your mind for success
Tap into the most powerful power source

When you start to drop the excess pounds and cleanse your body of stress and toxins, your body will begin to function at its optimal level, revving up your metabolism and immune system. Jumpstart! your health and get excited about the new life that is just around the corner!



Fight Now: Eat & Live Proactively Against Breast Cancer
http://www.amazon.com/Fight-Now-Proactively-Against-Breast-ebook...

4.5 out of 5 stars (22 customer reviews)

Dr. Tabors FIGHT NOW book provides information on lifestyle choices that might improve breast health and overall health. The purpose of Dr. Tabors medical research is to empower you to become proactive against breast cancer now with specific food and lifestyle choices. We can make specific food and lifestyle choices to lower the risk of getting breast cancer, risk of recurrence, and risk of dying from breast cancer. The only alternative is to be reactive after you get breast cancer or have a recurrence of breast cancer. The choice is clear

Whether you are currently fighting breast cancer; are a survivor; or, simply trying to lower your risk, Dr. Tabors FIGHT NOW book will give you concise, critical information that you can start using today. You dont have to read hundreds of pages, or have a medical degree to reduce your cancer risk. Spend just a few hours reading this book and you will be empowered to Fight Now.



Also Free in Healthy Living:

SMART SCHOOL TIME RECIPES: The Breakfast, Snack, and Lunchbox Cookbook for Healthy Kids and Adults
http://www.amazon.com/SMART-SCHOOL-TIME-RECIPES-Breakfast-ebook/...

3.9 out of 5 stars (181 customer reviews)


The 3 Essential Oils: Olive Oil, Coconut Oil and Castor Oil
http://www.amazon.com/The-Essential-Oils-Coconut-Castor-ebook/dp...

4.8 out of 5 stars (8 customer reviews)


Improve Your Health Naturally
http://www.amazon.com/Improve-Your-Health-Naturally-Rongione-ebo...

4.2 out of 5 stars (8 customer reviews)
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g: 0 Posted By: stopsignhank
Views: 239 Replies: 5 http://www.cbsnews.com/news/nj-teen-sues-parents-claims-they-kic...
MORRIS PLAINS, N.J. -- A bitter family battle was playing out in a New Jersey courtroom Monday, as an 18-year-old student has sued her parents claiming they kicked her out and demanded she pay for her own college education.
As CBS New York's Christine Sloan reported,Rachel Canning's parents could not believe it."We're being sued by our child," said Sean Canning, a former police chief in Lincoln Park, N.J.

"I'm dumbfounded, so is my wife, so are my other daughters.

"Rachel Canning is a cheerleader and an honor student at Morris Catholic High School in nearby Denville.In court papers, she alleged her parents abandoned her when she turned 18 and have now refused to pay for her to go to college - even though she has received acceptance letters from several universities.

But her father told a different story."I know Rachel is a) a good kid, b) an incredibly rebellious teen, and she's getting some terrible information," Sean Canning said.He claimed Rachel ran away from home in November because she did not want to follow house rules."Living in our house, there's rules," he said. "There's minor chores. There's curfews - when I say curfew, it's usually after 11 o'clock at night."

Rachel did not want to be interviewed Monday.

She is staying with the family of her best friend - which includes attorney John Inglesino.Inglesino is funding the lawsuit, telling CBS New York it is the only way the bright and focused teen will be able to go to a college appropriate for her to become a biomedical engineer.

Rachel, who has a $20,000 scholarship, said the University of Vermont is her first choice.

But Sean Canning said he is not refusing to pay for her college education."I reject the whole question on that -- the whole premise," he said. "We have a college fund that's available to her - there's no doubt about that.

But it's the equivalent ... of going shopping at a high-end store and sending somebody the bill."

Rachel has said she did not run away, but was given the option of dumping her boyfriend or getting out.

"Me and my wife are distraught," Sean Canning said.Both sides will be in court Tuesday.

Rachel Canning wants the court not to emancipate her, because under the law, a parent has an obligation to support any child who cannot stand on his or her own financially.Rachel also said every piece of financial paperwork she fills out asks her that question and shows she clearly doesn't have the means to support herself.

Inglesino said he has spent more than $12,000 on the lawsuit because he wants Rachel to have a great future.Sean Canning said Inglesino is just butting in where he shouldn't and is influencing Rachel inappropriately.
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g: 0 Posted By: remick
Views: 18 Replies: 0 http://www.amazon.com/Jumpstart-Superfoods-Weight-Loss-Discoveri...

4.5 out of 5 stars (14 customer reviews)

A step-by-step plan to supercharge every area of your health Everybody wants to look and feel their best. Jumpstart! takes a multipronged approach to heath and wellness that provides impressive results quickly. Emphasizing the connection between mind, body and spirit, the author shows you how to:

Reset your weight to its optimal level
Reprogram your mind for success
Tap into the most powerful power source

When you start to drop the excess pounds and cleanse your body of stress and toxins, your body will begin to function at its optimal level, revving up your metabolism and immune system. Jumpstart! your health and get excited about the new life that is just around the corner!
Would you take this job offer?
Added on : Monday March 03rd 2014 03:00:10 PM
g: 0 Posted By: t0pher
Views: 261 Replies: 9 Disclosure: I don't have an offer yet but I want to get some feedback in the event that I do get one this week.

Current Job

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

New Job

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


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

I've never used an offer to negotiate a higher salary at a current job. I'm willing to try it but I don't want to have my boss thinking that I'm a flight risk if I end up staying. I'm thinking if I get an offer I will present it to my boss in the most non-threatening way possible. What do you guys think?
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g: 4 Posted By: remick
Views: 995 Replies: 0 http://www.amazon.com/Diet-Industry-Lies-That-Weight-ebook/dp/B0...

Everyone knows that Eating Less and Exercising More is the only way to lose weight. The only problem is, that for 95% of people who diet and exercise, this strategy fails miserably. Thats because the cause of overweight is not eating: thats only the symptom. Dieting to lose weight is like removing the glowing check engine light in your car, instead of investigating whats wrong with the motor.

What IF. The entire concept of dieting is flawed? Being over-weight is just a symptom of a different problem, that you alone can reverse!

Why is it your friend can eat all she wants cake, ice-cream, chocolate, carbs and the rest of the food you love but avoid, and SHE doesnt gain weight? Why do you lose weight and then yo-yo back up to past your original weight?

Its not so much what youre eating, but whats eating you. Think about what started you on the path to overweight. The majority of overweight people had a stressful event that precipitated their weight gain. So why would dieting be the solution to get rid of excess weight? It wont! Dealing with the cause is the way to permanently end your losing battle and make peace with your body and food.

This book gives an alternative view to starving, frustrated and depressed dieters who have allowed the Diet Industry to hold them responsible for gaining and re-gaining weight. Stop, blaming yourself because of your inability to maintain weight loss. Learn the key to release yourself from your self-imposed diet prison!
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Reward Credit Cards - ANY TOP $$ BONUS OFFERS?
Added on : Thursday February 27th 2014 06:00:08 PM
g: -1 Posted By: futurechipper10
Views: 141 Replies: 1 Hi! Does anyone know any hot reward credit card deals that are currently going on? I've seen quite a few good ones on here and SD before. I am talking about ones that allow gift card or cash redemption and are offering $200+. Also, if a credit card waves a fee in the first year, and you cancel the card within the first year, is a fee usually applied? I'm sure it's probably different depending on the card, but I'm talking about the majority of the time. One last thing...if anyone wants to explain the negative impact having 10+ credit cards has on your credit score, it would be greatly appreciated.

Thanks in advance!
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g: 0 Posted By: remick
Views: 0 Replies: 0 http://www.amazon.com/Diet-Industry-Lies-That-Weight-ebook/dp/B0...

Everyone knows that Eating Less and Exercising More is the only way to lose weight. The only problem is, that for 95% of people who diet and exercise, this strategy fails miserably. Thats because the cause of overweight is not eating: thats only the symptom. Dieting to lose weight is like removing the glowing check engine light in your car, instead of investigating whats wrong with the motor.

What IF. The entire concept of dieting is flawed? Being over-weight is just a symptom of a different problem, that you alone can reverse!

Why is it your friend can eat all she wants cake, ice-cream, chocolate, carbs and the rest of the food you love but avoid, and SHE doesnt gain weight? Why do you lose weight and then yo-yo back up to past your original weight?

Its not so much what youre eating, but whats eating you. Think about what started you on the path to overweight. The majority of overweight people had a stressful event that precipitated their weight gain. So why would dieting be the solution to get rid of excess weight? It wont! Dealing with the cause is the way to permanently end your losing battle and make peace with your body and food.

This book gives an alternative view to starving, frustrated and depressed dieters who have allowed the Diet Industry to hold them responsible for gaining and re-gaining weight. Stop, blaming yourself because of your inability to maintain weight loss. Learn the key to release yourself from your self-imposed diet prison!
**Dead** Tuscan Natural Dog or Cat Food Samples
Added on : Monday February 24th 2014 07:00:06 AM
g: -1 Posted By: dee16
Views: 201 Replies: 3 http://tuscannatural.com/free-sample/

Enjoy a FREE sample of Tuscan Natural (limit one of each recipe per household).Tell us which flavor your pet wants most and its on its way! Let us know if you want to continue receiving special discounts and notices of new and exciting things happening in the world of happy pets.
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Tuscan Natural Dog or Cat Food Samples
Added on : Monday February 24th 2014 06:00:09 AM
g: 0 Posted By: dee16
Views: 60 Replies: 0 http://tuscannatural.com/free-sample/

Enjoy a FREE sample of Tuscan Natural (limit one of each recipe per household).Tell us which flavor your pet wants most and its on its way! Let us know if you want to continue receiving special discounts and notices of new and exciting things happening in the world of happy pets.
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Free Social Media Book was $2.99
Added on : Sunday February 23rd 2014 04:00:05 AM
g: 0 Posted By: ilovecrafts
Views: 109 Replies: 0 The Busy Parent's Guide to Social Media: A Concise Introduction to Twitter, Facebook, Instagram, Pinterest, YouTube and Snapchat: Link

Descrtiption: This book is for the parent with no time to waste who wants to get up to speed quickly. If you're not looking to be an expert, but you need quick and easy steps that you can implement today to begin engaging with your children online, this book is for you. Whether you're interested in becoming a pest to your children or simply want to be able to talk intelligently about social media, you'll learn simple steps and tips that you can apply today.

This book reviews history, basic navigation and posting, privacy settings and specific parenting tips for Twitter, Facebook, Instagram, Pinterest, Youtube and Snapchat. Parent's who are already very familiar with these social media platforms may prefer to purchase a more advanced book.


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Plight of the overeducated, starving scientist. Advice?
Added on : Thursday February 20th 2014 02:00:10 AM
g: 0 Posted By: Rommie2k6
Views: 117 Replies: 4 First, I would like to share my experience as an overeducated, starving scientist, and then I hope to solicit some feedback and advice from fellow FWF readers (who I assume have some level of financial literacy) on how to get out of this hole that I have dug myself into.

Foremost, let's examine on why people pursue a graduate or professional degree after getting the basic Bachelors, so we're talking PhD, MBA, PharmD, MD, etc... The high minded bullshit aside (I want to save lives, it's intellectual challenging, etc...), it's all for money. Generally, the higher your education level, the higher your salary. Most people with professional degrees easily hit $100k/yr shortly after graduation and peak at $200k-500k/yr depending on your profession.

All except me. I'm an overeducated (PhD), starving scientist, working at the interface of chemistry and biology, which is unfortunately overcrowded. I did NOT know this until I was 3 years into my degree, that I had joined an overcrowded field, where supply is way more than demand. In about a year, I'm going to graduate, and I feel royally screwed.

Here's the hole that I have dug myself into. For the past 4 years of my life, I have been preparing myself for a career in the ivory tower, i.e. professor. To be honest, a professor's salary ain't too bad, most of them earn >$100k/yr. The problem is:
a) Intense competition to get a professor position that pays well (we're talking about tenure-track positions at R1/R2 institutions for those who know the lingo, not instructor positions, not teaching positions and definitely not adjunct). In today's world, I'd say you have a 10% chance of getting it.
b) Extremely long times of temporary underpaid "holding pattern" positions between graduation and landing that coveted professor position, also known as postdoc positions. As a grad student, I earn $25k. As a postdoc I earn $40-50k. In comparison, a tech with only a bachelor degree doing "grunt work" in industry gets $50k/yr. Hell, I bet most blue collar jobs earn as much or more than I do!!! In my field, it is the norm that fresh PhD graduates do not get hired as professors. Instead, they spend 5 to 7 years postdoc-ing to get more scientific publications and just hang around until they get a job. To illustrate this problem, I know of a rising superstar in my field, he spent 17 years as a student and postdoc before he finally landed a position at a R1 institution.
c) Combining (a) and (b) together, I am taking a tremendous financial hit to my earnings and retirement. I have run "salary projections" on hypothetical scenario of academic vs industry jobs, based on what information I could gather from sources like glassdoor. I won't bog down with details, but I'll highlight two scenarios:
- For a career in industry that is equally successful (in terms of salary growth) as academia, the industry path will have AT LEAST $1 million more at retirement, which is equivalent to about $300k in today's dollars. The number is conservative, I've only used base salary for these calculations, and not bonuses which are common industry but not in the academy.
- A successful academic career (no more than 5 years postdoc, no more than 10 years for promotion to full professor) will yield the same amount of money at retirement as an industry career that is mediocre (never hitting $100k/yr, some unemployment years).
If these highlights startle you, yes I was dumbfounded as well. Numbers don't lie. The reason for the huge discrepancy comes from the first 5-10 years after graduation. A high paying industry job from the start allows one to save more, and magic of compounding interest works in your favor. Not so, if you are an academic.

Now, here is the REAL kicker. I am GOOD at doing what professors do. Going by metrics like number and quality of papers published (which is how academics are evaluated), I am one of the best students to come out from the lab, I'll say top 10% to give it a number. I've got awards/fellowships that are extremely prestigious (less than 10% success rate). For all my success and good performance, what I am getting in return? NOTHING! If I stick onto the academic path, I'm salary capped below $50k for the next 5 years, regardless of how well I do, and it's unlikely I won't hit a six figure salary until 10 years after I graduate. When I compare myself to others with professional degree, PharmD, PhD in engineering, etc..., those careers make $100k almost immediately after graduation. For those who are not in the ivory tower, I'm sure this comes off as puzzling. I've read a number of finance/career blogs on how to present yourself to get raises and stuff, and it is truly another world inside the ivory tower. There is this perverse culture in the ivory tower that we all do science because we love it and not for money. Yes, I love my work, but screw it if I am not going to see tangible returns anytime soon. The anti-money culture in my opinion is religious and cult-like within the academic world, and it's really frustrating because unlike other clueless PhDs, I am financially aware of the price I am paying.

So why not go to industry then? After all, I have been doing salary comparisons between industry and academic jobs haven't I? That's tricky, here are the considerations:
- From what I have figured, preparing for an industry career is very frequently at odds with preparing for an academic career. I have to chose. Industry values skills, academe values accomplishments and papers. To give an example, let's say that I invented a new cool method to do some sciency stuff. The smart academic will basically milk this method for all its worth and publish a gazillion papers out of it. But that would mean that I have specialized in only 1 thing for the last 5 years, and unless it so happens to fit into the needs of an industry position, that ain't going to cut it. To maximize odds of getting an industry job, one would need to have diverse set of skills with some level of depth, but that would translate to less papers, since the time spent learning new and diverse skills is time taken away from using those skills to get results and publish more papers.
- A likely scenario is that I may not get any industry job offers. What do I do then? Do a postdoc, bide my time and retool/reinvent myself as the industry guy? That's a sound plan, BUT the longer I do a postdoc, the more it makes sense to go into the academic route, especially since I am already doing so well as an academic. Remember that the source of the huge financial differences comes from the first 5 years after graduation. If I can't get an industry job immediately after graduation, and spend the next 3 or so years retooling and rebranding myself for industry and finally get a job in my 4th year after graduation, the salary numbers will look pretty similar as the academic path. Sure industry salary may be a bit higher, but the fact is that 4 years of underpaid postdoc has already happened and the damage is done.

I'm going to stop here now. I'd really appreciate comments and advice from the board. Even if you are not in this field, an outside perspective is going to be a refreshing change.

Lastly, as bit of service to the FWF community, if you know of any young idealistic punk who wants to pursue a PhD in Chemistry/Biology, tell them to run salary projections on possible career path. Honestly, I wish I did it in my first year. If I had, I would have developed myself for an industry position from day 1. But as of now, I'm way deep into the academic hole, and I can't really see any easy way out.

Question Deals
g: 0 Posted By: NantucketSunrise
Views: 222 Replies: 8 Fortunately, my teeth are in really good condition. Most dentists I have gone to in the last few decades have told me I just need onecheckup/cleaning a year, although of coursesome of them have saidthat having a 6-month checkupis always recommended.

My previous dentist retired, so last February I went to a new dentist.

I went to one of those perhaps-franchised kind of clinicsthat seem to employ various dentists who, for whatever reason, don't have their own stand-alone, long-term kind of private practice.

I went to that clinic because 1) they had a special "coupon" offerfor new patients (everything for about $70) and 2) my teeth don't have any big issues, so I knew the dentist's assessment of myteethwould be perfunctory no matter who the dentist was, and generally I just wanted to havea cleaning done by a hygienist.

The clinic required a full set of x-rays to be taken at the start of my appointment, and I was okay with that, because it had been about 3 years since I'd hada full set done, and I understand that when you go to a new practice, they like to do a full imaging.

The dentist's assessment of me was very quick - a couple of minutes - no problems, "just keep doing what you are doing". I received an adequate cleaning from the hygienist (not the best I've ever had, but I wasn't paying a whole lot for the appointment, so I had no complaints).

Now, 12 months on, I called the same clinicto book my next appointment. The full exam price applies this time,of course, and that's fine with me -- I think it's $150 or something for a cleaning by the hygienist and a look-over by the dentist.

The receptionist told me that the dentist I saw there last year has moved on to another city where he's opened up his own private practice. I asked her if my records went with him to his new practice, or if my records remain at this clinic. She said, "Oh, your records have remainedwith us -you are considereda patient of our clinic."

I asked her how much another cleaning by the hygienist & fly-by viewing by the dentist would be, and she said it would be about $150, "...and, also,naturally, our new dentist will require you to have another full set of x-rays taken because you have never been her patient before, and there would bean extra charge for those."

I replied, "But I just had a full set of x-rays taken by your clinic last year, and my teeth are in good health. You just told me that your office has all my records from my appointment there last year. Also -- I thought the full set of dental x-rays on healthy patientswas only taken about once every 5 years?"

She said, "No, you would need to have the full set repeated, because of course you would be going to a new dentist since Dr. X has left us,andnew dentistslike to start out with a full set of x-rays for theirnew patients."

Does this make sense?It doesn't seem so to me.

The typical guideline for just bite-wing (not the full mouth) x-rays foradults with no decay is only once every 2-3 years: http://my.clevelandclinic.org/services/x-rays/hic_Dental_X-rays.aspx.

Therefore, I wouldn't really want that clinic even to do bite-wings on me, since I just had a huge amount of imaging done by them last year.

I toldthe receptionist thatI'd have to think about it, and that I'd call back if I wanted to set up an appointment.

Obviously, they are trying to make money. But the ADA warns againstdoing excessive x-rays on patients. Do you think that the receptionist wassimplywrong in her information,and maybe I should call back and ask to speak to the hygienistwho cleaned my teeth last year (the receptionist said thatthis hygienistis still on staff there) to ascertain if they really would require me to do a full set of x-rays again?

If Imove on toanothernew practice somewhere else in my vicinity, they might make me do a complete set again anyway -- do you think they would?
Personal Finance Deals
Bank wants to know my occupation
Added on : Tuesday February 18th 2014 08:00:13 AM
g: 0 Posted By: TommyWay
Views: 56 Replies: 3 Hello everybody
Receivedweird letter to provide bank with my occupation which I already provided when opened account.
Anybody received something like this?
Should I bother to respond?
Shark Rotator NV501 $167.88 With Kohl's Charge
Added on : Monday February 17th 2014 05:00:01 AM
g: 0 Posted By: Yeldarb1
Views: 2 Replies: 0 Just got the Shark Rotator nv501 for 167.88.

Price matched Target Ad at $229
used 30% off coupon
used $10 off $30 coupon
with tax and everything it came out to $167.88 and i got $30 Kohl's cash on top of that.So it reall comes out to $137.88 when you factor in the Kphl's cash

Kohl's cash ends today so if you want to buy it hurry up!
I told the cashier that I called customer service and it was ok to use the price match and the %30 off.
Good luck if anyone wants one.
Hold rental home or sell now Fw advice requested
Added on : Saturday February 15th 2014 01:00:03 AM
g: 0 Posted By: fljeremy
Views: 80 Replies: 0 Dear FW community,

I purchased a home in 2003 and moved to another home in 2007 and have been renting out my original home. With last years nice appreciation and rates looking like they might start to rise my current tenant (a mortgage broker) wants to buy with a USDA loan. He gave me a pretty good offer 230k zillow currently says it's 197 but we all know they run low. In speaking with a real estate agent last October said it should go for about 220. So I am torn should I sell now which has the advantages of no listing commission as it's a deal between him and I. Or hold for maybe 3 more years or more. Currently I am getting below market rent of 1400 market rents are now 1550 so if I sell I also lose an income stream. And based on my research property values will continue to climb for at least next 3 years, 5-6% a year? I am in North Florida , holding out could mean a much bigger payday down the road.


In addition if I had some cash in hand from the sale I could refinance my primary and lower the rate by at least 1 percentage point and lower my monthly payment by 1000 a month but also taking out another 30 year mortgage. Currently I have 25 left on primary and 20 left of rental. Hmmm options options. help me out with your knowledge please. Thank you in advance
Question Deals
g: 0 Posted By: remick
Views: 209 Replies: 0 http://www.amazon.com/Autism-Children-Spectrum-Inspiration-Happi...

5.0 out of 5 stars (6 customer reviews)

Doris Duan-Young, considered by many to be the world's leading expert on helping families with
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After seeing 20,000 transformations of children with through various forms of therapies
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She knows what patterns work and what doesn't and wants to share this with the rest of the world
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Each core value provides great inspiration to set up the parental support system for true success
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FAQs About Autism: Why I Love Kids With Autism - An amazing guide for parents of children with
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New home construction the FWF way
Added on : Thursday February 13th 2014 11:00:08 AM
g: 1 Posted By: adamc
Views: 224 Replies: 1 Hi all,

I am about to embark on the construction of a new home. I want to apply FWF strategies to accomplish two major goals: First, and most obviously, I want to reduce the cost. Second, I want to extract cash out of the process to end up with no net money down.

My GC is willing to run the job until the house is under roof and weather tight and then let me take over as GC. If I get in over my head or have problems with a specific sub, he will help out. He will also allow me to get his discounts with suppliers. The reason for this strategy is two-fold. The lender wants a 1.5 point additional origination fee if I do true owner-builder, and the foundation and framing are aspects of the job that are outside my comfort zone. All of the rest of the jobs are things that I am comfortable either working with the subs or doing myself.

My primary cost savings strategies:

Sweat equity. As described above, I will do a lot of the GC work and a lot of jobs myself.
Shop hard. Take advantage of outlets, sales, rebates, etc. on appliances, cabinets, flooring, etc.
Gift cards for CC rewards and fuel points wherever possible.
Choose energy efficiency features that will reduce the overall cost of ownership (extra insulation, air sealing, etc.)

Extracting Cash Back out of the project is where I need a little more advice. My basic plan is to set up a business entity for the project. No, I don't want to try this. My goal would basically be to loan the money to the business for the down payment, and then have the GC sub completion of the job to my business. The business would then repay me for the loan with the "profit" from my sweat equity. At the end of the project, the business would have no net profit or loss after repayment of the loan.

In order for this to work, the house will have to appraise high enough to keep me below 20% LTV.

Outside of opening a bank account and possibly getting some contractors insurance, what snags does anyone see?

Adam


Personal Finance Deals
g: 1 Posted By: remick
Views: 214 Replies: 0 Personalities in Love: Understanding the Man in Your Life
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Romantic relationships are always an experiment in chemistry. Just like elements in the periodic table, personalities combine and react in predictable ways. In her candid style, bestselling author Donna Partow helps women identify their own personality type and that of their man in order to bring harmony to their relationship. She gives a woman concrete advice on how to make the most of her personality, how to complement her significant other, and how to avoid potential sources of conflict. Anyone who has ever asked with exasperation "Why are we so different?" will benefit from this interesting and insightful look at what makes couples click.



Your Heart's Desire: 14 Truths That Will Forever Change the Way You Love and Are Loved (was $15.99)
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4.5 out of 5 stars (50 customer reviews)

Hope and healing for every woman who has ever loved a man
Bestselling author and Bible life Coach Sheri Rose Shepherd shares 14 truths that will forever change the way you love and are loved. This book is written for the married woman who loves her man but struggles in her marriage. Its for the single woman who wants to find a godly man to love and for the divorced woman who believed in her marriage until her man walked out.
Each chapter has life-challenging love stories, love coaching, powerful prayers, inspiring scriptural love letters, and a Transforming Truth.
If youre ready for a refreshing perspective on love, men, and marriage, this book is for you.



Also free at the time of posting:

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Wait to get in better shape for term life insurance?
Added on : Tuesday February 11th 2014 02:00:13 PM
g: 0 Posted By: yorkie345
Views: 1 Replies: 0 My son is 27 years old and married expecting his first child in 6 months. He used to be in great shape throughout college but has slacked the last few years. He asked me today about getting term life insurance, which I told him is a must, and he inquired about getting a better rate if he was in better shape. When he puts his mind to something he has no problem achieving it. He's about 6' tall and 205 lb with some muscle but wants to drop 20 pounds of fat in the next 6 months before the baby comes. Would he get a much better rate for himself if he was healthier? What factors play into your rate besides age? His wife is very active and I could imagine her getting back to her prebaby weight in no time with nursing and knowing her very well.
g: 1 Posted By: cr3s
Views: 146 Replies: 4 Question: Am I stuck with this lease or can I get out? Landlord is not open to renegotiating the rent $.

Location: California.

Short Version:

1. Renewed 1 year lease 3 months ago.
2. 1 month in, landlord sent 60 day notice to all residents of change in lease terms, essentially increasing rent. He wants residents to pay water and sewage and trash disposal. This is an apartment complex.

Long version:
Currently on month 3 of 1 year lease agreement. Landlord for a 50+ units decided he's tired of paying water and trash so he's going to make all residents pay them to the util companies. He sent out a 60 day notice beginning Jan 2014 stating that in March, we'll be assessed and it will go from there.

The contract has a standard verbiage as well as an addendum.
Verbiage in Contract:
Utilities: Payment of all utilities shall be the responsibility of the Resident(s). Landlord does not pay for any utilities. If landlord were to pay any utilities, Resident(s) shall not make excessive or unreasonable use of such utilities. (It goes on to say, if landlord has to pay on the residents behalf, then he'll bill them...etc]

Utilities Addendum: Resident is responsible for paying for utilities at the above address and unit number stated above. IT is the resident's responsibility to pay directly to the companies listed below for their utilities (Electricity) each month.
Resident agrees to provide owner/agent with the account number for the following utility companies before moving in.
[Electricity Co Acct #]
....


Question Deals
g: -1 Posted By: remick
Views: 102 Replies: 0 Reclaiming God's Original Purpose for Your Life
http://www.amazon.com/Reclaiming-Gods-Original-Purpose-Your-eboo...

5.0 out of 5 stars (5 customer reviews)

Have you ever wondered why you are living here and now in this particular place and time in history?
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Best-selling author of more than 10 life-changing books and devotionals, Dr. Myles Munroes series on the Kingdom of God shows how your heavenly Father wants to make the earth a place of Kingdom harmony and peacebeginning within you!

You will discover things about Gods love and plan, such as how:
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Your decisions make a big difference in what happens on earth.
Dr. Munroe explains how Reclaiming Gods Original Purpose for Your Life will bring you joy, peace and abundant living. This big idea [of reclaiming Gods original purpose] is the only answer to the deep cry in the heart of every human, and it can satisfy the perpetual vacuum in the spirit of humankind, writes the author.

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4.6 out of 5 stars (10 customer reviews)

Ignite your passion to live an extraordinary life.

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Car Accident Law suit?
Added on : Sunday February 02nd 2014 01:00:04 PM
g: 0 Posted By: AMV75
Views: 4 Replies: 0 My wife was in a accident a week ago, she was traveling home from work on the expressway and was rear ended, she was behind a salt truck moving at 45 mph, the car that struck her was moving at 60 mph, she spun out of control hitting the side rails several times, our 2013 Kia was a complete loss. payoff amount $13,500. The cops came on seen and sighted the other driver 100% in fault of the accident. I took my wife to the emergency room where she had a M.R.I. and x-rays. She suffers from severe whip lash and bruising from the airbag impact. Her doctor took her off work for at-least 3 weeks and recommended physical therapy. Her 1st day of therapy will be on Monday. She earns a salary of $80,000 annually. I contacted an attorney and he really wants the case, but they take 33% and I would like to get a settlement without the use of an attorney... according to my research this is what attorneys do....

Obtain and review the Accident Report
Speak to the investigating officer
Locate witnesses
Obtain photographs of the vehicles involved
Review your medical records
Speak to your doctor
Review your medical bills
Communication with the insurance company
Review potential lost wages
Review the at-fault drivers driving record
Review the at-fault drivers criminal record
Negotiate a settlement
File a lawsuit only if necessary

and in the state of Ohio where the accident happened these are the different things we can go after money for.....I am reaching out to anyone who wants to offer an opinion on how much I should ask for or accept from the insurance company (Progressive) in total for all of these items, I have included estimated cost for what I know so far..

Medical treatment expenses ($5,000)
Income loss from missing work ($6,000 and counting)
Pain and suffering (????)
Emotional distress (????, she is terrified to drive in snowy weather)
Loss of enjoyment (????,she will not be able to see her son wrestle in at-least 3 big tournaments,)
Property loss ($13,500)
Punitive damages (????)

thanks in advance, and ask any questions you need to help me figure this out.


Personal Finance Deals
Save The Internet Sticker- Net Neutrality Matters! FreePress.net
Added on : Thursday January 30th 2014 03:00:12 PM
g: 0 Posted By: FrugalFreak
Views: 99 Replies: 0 "Show Your With This Free Sticker!, Everything we know and love about the Internet is at risk thanks to the recent court decision that gutted the Net Neutrality rules. But the Federal Communications Commission could take immediate action to change all this and protect the Internet once and for all.Free Press is offering this lovely free sticker to anyone who wants to join this fight. Just fill out the form to the right and then let your friends know you support Net Neutrality by sharing this on Facebook,Twitterand wherever else you spend your time.We know that nothing will happen unless we make waves, make noise and pressure policymakers to do the right thing.Lets plaster the nation with these stickers and show our love for the Internet."

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g: 0 Posted By: remick
Views: 48 Replies: 0 http://www.amazon.com/Life-Outside-Matrix-Supernatural-Lifestyle...

The world is shaking. Anyone can see it. Governments are collapsing. Economies are failing. Nations are in turmoil. People are realizing that things that appeared so stable and promising are subject to fall. The solution? Stepping out in faith and experiencing the miraculous as your new normal.

God wants you to live a supernatural lifestyle! Venetia Carpenter learned this first hand, as she shares inspired insights and compelling testimony from personal experiences that show you a lifestyle of faith is not only possible, but should be normal.

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g: 0 Posted By: jessicadabears
Views: 241 Replies: 0 Looper (Ultraviolet Digital Copy) (Blu-ray Disc)- $4.99 at Best Buy w/ $1.99 Shipping. 4.3/5 stars based on 34 customer reviews.

Synopsis:

A hired gun from the future discovers that his greatest adversary is himself in this twisting sci-fi mindbender starring Bruce Willis and Joseph Gordon-Levitt, and directed by Rian Johnson (Brick, The Brothers Bloom). In the year 2047 time travel has yet to be invented. Thirty years later, however, it has. Though immediately outlawed, time-travel technology is quickly appropriated by the mob, and used to cleanly dispose of anyone deemed a threat. The process is simple: When the mob wants someone to disappear, they simply send them back to the year 2047, where an assassin known as a "looper" quickly carries out the hit, and disposes of the body. Joe Simmons (Gordon-Levitt) is one of the most respected loopers around. Each kill earns him a big payday, and he's got big plans to retire to France. Then, one day, as Joe patiently awaits the appearance of his next Target near the edge of a remote corn field, he's shocked to come face-to-face with his future self (Bruce Willis). When the younger Joe hesitates, the older Joe makes a daring escape. Now, in order to avoid the wrath of his underworld boss (Jeff Daniels), young Joe must "close the loop" and kill his older counterpart. Meanwhile, the revelation that a powerful crime boss in the future has set the underworld ablaze pits the two Joes on a violent collision course, with the fate of a devoted mother (Emily Blunt) and her young son hanging in the balance. Paul Dano and Piper Perabo co-star. ~ Jason Buchanan, Rovi
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Do FAR items sell or not worth it?
Added on : Tuesday January 28th 2014 12:00:04 AM
g: 0 Posted By: lorymills1
Views: 3 Replies: 0 Searched and was surprised that I couldn't find anything on this topic in FW. If there is a thread, could someone provide the link?

Thinking of buying and selling FAR items. No large scale eBay stuff, just maybe Craigslist, coworkers, and garage sale market. Question is, will these FAR items sell or is it just stuff that no ones wants anymore and thus why they are FAR. I recently purchased the Staples copy paper and the Tiger Direct USB keyboards but some friends that are ebayers say this stuff won't sell.
Any any threads out there to refer me to or any FW input? As always, thanks for sharing your expertise.

Question Deals
Traditional to Roth Ira Conversion Rationale
Added on : Monday January 27th 2014 06:00:08 PM
g: 0 Posted By: pgb7540
Views: 46 Replies: 1 I am trying to understand the necessity of extra steps needed when one wants to continue contributing money to ROTH ira when their income is over the maximum allowed limit.

My understanding is that:
1. Roth IRA has contribution limits. If income >112,000 no additional(reduced)investments can be made.
2. From the linkhttps://www.fidelity.com/retirement-ira/ira/roth-ira-faqit seems that this can be easily bypassed by creating Traditional IRA and then converting to Roth.
3. Taxes would have to be paid on the amount invested prior to converting as to prevent people saving on both pre-tax and distribution savings.

My question is why have people jump through the extra hoop of first opening Traditional IRA and then converting to Roth: remove Roth income restrictions, have people pay the taxes on their full income
and then have them add up to 5,500 USD a year to Roth IRA.

Seems needlessly complicated, but then I'm probably missing some detail.

PS: Also, the above brings up a technical question.
If I want to do the conversion procedure year after year do I have to open separate traditional IRA just to convert it to yet another newly opened Roth? Or can these be somehow consolidated?

thanks
Investing Deals
g: 0 Posted By: remick
Views: 1 Replies: 0 Photography Composition Revealed
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Discover one of the most important things that set's apart the beginner from the master photographer, and learn what every photographer who wants to create breathtaking photography should know about composition...


Nature Photography Without a Tripod
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g: 3 Posted By: remick
Views: 890 Replies: 2 http://www.amazon.com/Gospel-According-Breaking-Bad-ebook/dp/B00...

4.5 out of 5 stars (21 customer reviews)

Breaking Bad showrunner Vince Gilligan wants to believe that heaven exists, but he "can't not" believe there's a hell.
Throughout this fascinating show depicting the shocking life and tragic times of Walter White, Gilligan offers his singular glimpse into a morally amoral universe, a place not unlike the world we live in.
The Gospel According to Breaking Bad takes a thoroughly Christian look at AMC's popular and critical TV hit.
Totally Free Deals
Free Relgious Kindle Book - The Gospel According to Breaking Bad
Added on : Wednesday January 22nd 2014 06:00:09 AM
g: 0 Posted By: remick
Views: 0 Replies: 0 http://www.amazon.com/Gospel-According-Breaking-Bad-ebook/dp/B00...

Breaking Bad showrunner Vince Gilligan wants to believe that heaven exists, but he "can't not" believe there's a hell.
Throughout this fascinating show depicting the shocking life and tragic times of Walter White, Gilligan offers his singular glimpse into a morally amoral universe, a place not unlike the world we live in.
The Gospel According to Breaking Bad takes a thoroughly Christian look at AMC's popular and critical TV hit.
How should I report this income on my tax return?
Added on : Sunday January 19th 2014 05:00:13 PM
g: 0 Posted By: MisterEd
Views: 152 Replies: 2 Please, not looking for morality lectures or "why did I accept it" lectures, or "why didn't I quit" lectures all I want to find out is how to report this income properly.

Been working part time low hours, low pay for the last year (I am retired, well actually I guess I am not). For a few months out of the year my boss paid me by CHECK (he calls it cash) made out to me (yea, he's an idiot) and didn't deduct any taxes because he simply didn't want to pay them. I owned a retail business for many many years up until the late 1990's before I retired. I told him he's an idiot because if he ever gets audited he's f'd but I wanted to keep the job for convenience and mostly to be busy. The rest of the year I was paid "on the books" and in fact just got my W2. I told him after the first check payment that I am reporting all the income (he wasn't happy but didn't tell me to leave).

My question is how would I report it? Not on line 21 it seems. It wasn't a lot of money (under $2K) but I want to report it to CMA. Just for the record, he also has 2 "kids" (well, compared to me they are kids) working for him for a few years and he has ONLY paid them by CHECK with no taxes deducted. I'm tempted to sit them down and tell them how much deep shit they will be in for but I decided it's NOMFB.

There is a lot more detail to this but it doesn't matter because it doesn't change my question, I don't care what happens to him if he gets audited as long as my ass is covered. The other 2 guys are dumb enough just to do what he wants and/or simply don't understand the ramifications. If he was paying CASH I might have thought twice about it but with a check he might as well bend over and spread his cheeks if he gets audited because the checks are written to the names of his employees. At least this way I can say I reported the income and simply didn't want to lose my job. As a point of info I do have an EIN because I used to have a small eBay business and while it has been dormant for a couple years I have maintained the business name. It seems just as bad if I put it towards that long dormant business because that isn't where the income came from.

I know it's only a small amount of money but I want to report it correctly so my arse is covered when he eventually gets audited. BTW, this idiot employer is an accountant by trade (he was schooled as an accountant in Egypt where he came from) and the business is a national franchise. It's a "small" location with not a lot of business and not making a lot of meney. He probably bought it strictly for tax purposes. Maybe that's how they do it in Egypt? He's such a nice guy but definitely not a businessman.



Tax Deals
Free app for android - Swingworm (physics-based game)
Added on : Sunday January 19th 2014 04:00:04 AM
g: 0 Posted By: remick
Views: 95 Replies: 0 http://www.amazon.com/gp/product/B006VYYNCU

4.5 out of 5 stars (11 customer reviews)

Product Features
Exciting, intuititive, and simply fun to play
Revolutionary "worm physics"
GameCircle leaderboards and achievements
Product Description
SWINGALICIOUS!
Swing, stretch, smash, and grab your way up a giant tree!

Meet Swingy, the brave hero of this swinging tale. It is spring in the Whispering Woods and like all other Swingworms of his age, Swingy wants to climb highest tree in the forest - The tree that reaches all the way up to the Moon. The only thing standing in the way is the berry-hoarding Big Bug and his countless spiky minions...

Controlling Swingworm is a one-of-a-kind experience. His head and tail will tenaciously grab surfaces and his stretchy, rubbery body allows him to reach far longer than it seems. It's a race against time as Swingy tries to gather all Rubbaberries to pay the Big Bug for an elevator ride further up the tree.
Free Apps Deals
*UPDATE* Official 2013 Tax Software / E-Filing Roundup Thread
Added on : Friday January 17th 2014 11:00:08 AM
g: 8 Posted By: slervik
Views: 797 Replies: 2 As we get closer and closer to the tax time, we're going to see a lot more deals on Tax Software & E-Filing coming in and out of the thread. I figured I would go ahead and try to round everything up in one post to make it easier for everyone to sort through. I've previously just gone to H&R Block and just had them do my taxes for me, but I believe this year I'm going to try and do this all on my own. Below are deals that I have found on Fatwallet and just looking around different sites. So any tips for me and anyone else who may just be starting up would be highly appreciated. Mods, feel free to sticky this, as I will be updating this thread as much as I can!

I did notice that Fat Wallet is currently doing a contest for the Turbo Tax Federal/ State Software Deluxe Edition. I'm going to provide the link to anyone else, besides myself, who wants to see if they could win it. Instructions for entry are posted lower on the page. Good luck! Fat Wallet Contest Link

*Please update the Quick Summary with any new tax software deals you come across or remove expired/ OOS ones. Thanks all for the help!


Tax Resource Threads:
2013 Free File Taxes Your AGI $58,000 or Less - Various Programs(Thanks to terriprg)
Turbo Tax's Software Download on KingDeals4U Appears to be Scam(Thanks to tracksupr)
FAFSA Tax Input for College Students for 2014-2015 School Year(Thanks to Wizard83)
Tax Deductibles Volunteering Vacations(Thanks to mooingmooseman)


Turbo Tax Deals:
Free Federal Filing: Intuit TurboTax Freedom Edition(Thanks to terriprg)
Free Access to Turbo Tax 2013 Preparation for State Farm Customers(Thanks to CSREwallet)
Win A Deluxe Edition of Turbo Tax's Federal/State Software(Thanks to akmckenna)
Amazon: $45 Off TurboTax + Quicken Additional for Amazon Prime ($35 Non Prime)(Thanks to rhornor)
Costco: $10 Off Online or B&M(Thanks to SlimTim)
Amazon: Turbo Tax Deluxe Federal + EFile + State - $40 w/ FS for Amazon Prime(Thanks to johnny98)
Amazon: 10% Gift Card Using Refund(Thanks to xelint)
Amazon: $10 Off Home & Business w/ Prime(Thanks to Rookie 555)

H&R Block Deals:
Free Federal Edition Tax Filing(Thanks to terriprg)
State Tax Filing for Non Qualifying Customers - $14.99
Simple Tax Basic Edition - $19.99
Investors/ Homeowners Deluxe Edition - $29.99
Amazon: $24.99 - $64.99

Quicken Deals:
Amazon: $45 Off TurboTax + Quicken Additional for Amazon Prime ($35 Non Prime)(Thanks to rhornor)

Multiple Deals:
Office Depot FAR Software & Tax Software Purchase Rebates for 2014(Thanks to bpvh)
Amazon: Save Up to $25 on Tax Software & Norton Bundles

Tax Software Deals

Amazon Coupons
Official 2013 Tax Software / E-Filing Roundup Thread
Added on : Friday January 17th 2014 10:00:09 AM
g: 7 Posted By: slervik
Views: 429 Replies: 2 As we get closer and closer to the tax time, we're going to see a lot more deals on Tax Software & E-Filing coming in and out of the thread. I figured I would go ahead and try to round everything up in one post to make it easier for everyone to sort through. I've previously just gone to H&R Block and just had them do my taxes for me, but I believe this year I'm going to try and do this all on my own. Below are deals that I have found on Fatwallet and just looking around different sites. So any tips for me and anyone else who may just be starting up would be highly appreciated. I will be updating this thread as much as I can!

I did notice that Fat Wallet is currently doing a contest for the Turbo Tax Federal/ State Software Deluxe Edition. I'm going to provide the link to anyone else, besides myself, who wants to see if they could win it. Instructions for entry are posted lower on the page. Good luck! Fat Wallet Contest Link

*Please update the Quick Summary with any new tax software deals you come across or remove expired/ OOS ones. Thanks all for the help!


Tax Resource Threads:
2013 Free File Taxes Your AGI $58,000 or Less - Various Programs(Thanks to terriprg)
Turbo Tax's Software Download on KingDeals4U Appears to be Scam(Thanks to tracksupr)
FAFSA Tax Input for College Students for 2014-2015 School Year(Thanks to Wizard83)
Tax Deductibles Volunteering Vacations(Thanks to mooingmooseman)


Turbo Tax Deals:
Free Federal Filing: Intuit TurboTax Freedom Edition(Thanks to terriprg)
Free Access to Turbo Tax 2013 Preparation for State Farm Customers(Thanks to CSREwallet)
Win A Deluxe Edition of Turbo Tax's Federal/State Software(Thanks to akmckenna)
Amazon: $45 Off TurboTax + Quicken Additional for Amazon Prime ($35 Non Prime)(Thanks to rhornor)
Costco: $10 Off Online or B&M(Thanks to SlimTim)
Amazon: Turbo Tax Deluxe Federal + EFile + State - $40 w/ FS for Amazon Prime(Thanks to johnny98)
Amazon: 10% Gift Card Using Refund(Thanks to xelint)
Amazon: $10 Off Home & Business w/ Prime(Thanks to Rookie 555)

H&R Block Deals:
Free Federal Edition Tax Filing(Thanks to terriprg)
State Tax Filing for Non Qualifying Customers - $14.99
Simple Tax Basic Edition - $19.99
Investors/ Homeowners Deluxe Edition - $29.99
Amazon: $24.99 - $64.99

Quicken Deals:
Amazon: $45 Off TurboTax + Quicken Additional for Amazon Prime ($35 Non Prime)(Thanks to rhornor)

Multiple Deals:
Office Depot FAR Software & Tax Software Purchase Rebates for 2014(Thanks to bpvh)
Amazon: Save Up to $25 on Tax Software & Norton Bundles

Tax Software Deals

Amazon Coupons
Free Kindle Book- Money Saving Tips For the Underachiever
Added on : Tuesday January 14th 2014 07:00:08 AM
g: 0 Posted By: remick
Views: 133 Replies: 0 http://www.amazon.com/dp/B00H3T562I/

4.8 out of 5 stars (31 customer reviews)

#2 in Kindle Store > Kindle eBooks > Business & Investing > Personal Finance > Financial Planning
#4 in Kindle Store > Kindle eBooks > Business & Investing > Personal Finance > Money Management
#4 in Kindle Store > Kindle eBooks > Business & Investing > Personal Finance > Budgeting

In this book readers are given simple suggestions on how to either put money back into their pockets or prevent money from fleeing in the first place. The author speaks from the experience of being a former haphazard spender to developing a disciplined frugal mind by using strategy and creativity to save money. This book is ideal for people who never took, or had time to educate themselves on how to maintain a frugal lifestyle while not cutting into their couch time. The underachievers.

No mistaking, this book isn't just for the underachievers, it contains numerous money saving tips and strategies that everyone can benefit from. This isn't just a book, it's a reference manual that you can continually refer back to for guidance and motivation. I promise that If you follow and execute any of these simple steps, you will start seeing savings immediately. I put my name on it.

5 Important Tips You'll Learn In This Book:
Creative strategies that when implemented will save you thousands of dollars. GUARANTEED!
You will learn to properly automate your bill payments and a lot of your monotonous shopping needs without ever having to leave your couch.
I will show you how I saved over $20,000 a year just by improving the way I shop and paid for my entertainment. You will learn to do the same thing.
I will show why everyone should have credit cards and how to make them make you money without the threat of interest charges.
I will show you how frugality is more than just saving as much money as you can. Frugality is a mentality that when perfected will change your view of life in general. You will learn that what you thought you really wanted, you do not need. The difference between needs and wants is what the frugal person is exceptional at identifying.
Totally Free Deals
MSI R9 290 Non-Reference $469.99 + FS
Added on : Monday January 13th 2014 03:00:02 AM
g: 0 Posted By: cfennerr12
Views: 1 Replies: 0 Amazon has the R9 290 non-reference version for 469.99 + Free shipping.

http://www.amazon.com/MSI-R9-290-GAMING-4G/dp/B00HPS4AFG/ref=sr_...

With all the markup above MSRP this seems like a decent deal, especially since it doesn't have a reference cooler.

Only downfall is its showing as ships within 1 to 2 months, but Amazon usually overestimates the ship date.

This is good for someone who wants a non-reference version at close to MSRP and who wants to stop refreshing to check if a 290 is in stock.
Family member likely being laid off...sort of
Added on : Friday January 10th 2014 08:00:05 PM
g: 0 Posted By: chaster86
Views: 127 Replies: 0 So this is going to come as kind of a unique situation (sorry, it's kind of long), and I'd appreciate any insight as to how this can be handled in the best way and potentially to get the most payout (from the severance).

My mother started working for a company in February 2011 or thereabouts, in California. She was an executive assistant for 2 senior VPs (medium-sized company). She liked working there, liked her bosses, never had any real issues and always received great feedback and excellent performance reviews. Around Spring of last year I started hearing grumblings from her about the job, a couple of executive assistants and other employees were let go, younger and younger people started coming in as replacements. The company had really become quite different than when she started, in her opinion, and it wasn't treating employees well.

My mom has had serious issues with her knees due to being a semi-pro, rated tennis player in her younger years.Fast forward to summer 2013.She decided it was time to have knee replacement surgery on the worse of the two knees last September. Shefollowed all the right procedures with HR and notifying her bosses that she'd be out for an extended period of time of around 3 months (under FMLA provisions, I think). The surgery went ok, but there was more damage than the surgeon anticipated, including some additional nerve damage that prevented my mom from walking (her foot dragged). So instead of 3 months recovery it would take maybe an extra month or so. She's been doing physical therapy and the process has worked great, she's walking much, much better now.

During the recovery my mom moved back into the house she owns (she was renting previously, and renting out her house) which is about 45 minutes away from said job. During her period of disability from September to December, a family member asked her if she would like to be his employee as his personal/executive assistant (he does a great deal of financing for house flipping partners, and flies his plane around to scope properties around the Western states).

All the while she did keep in touch with her then boss; she was honest with him in telling him she had moved back for the recovery. He commented point blank 'you're not coming back are you...?' to which she responded that it hadn't been decided yet. She ultimately did decide to take the job with our relative, and was going to put in her two-week notice to her employer once she had her 'back to work' date from her doctor when she goes to the appointment on January 16th.

Earlier this week the company's HR department called her asking if January 16th was her back to work date. She said no, that was the date of her doctor's appointment, and she would likely get her back to work date at that time (she said this was a suspicious call the way they phrased the question). Interestingly enough, today my mom got a phone call from a colleague of hers in the Chicago office asking if she had read her email, and my mom said no, she hadn't read emails for weeks. When she did she saw an email from yesterday announcing a MAJOR 'reorganization' of the company. Many in the executive suite were let go, including BOTH my mom's bosses (who had been with the company 24+ years). So, you do the math...

What my mom wants to do now is try to call their bluff, rather than give her notice. On January 16th she expects the doctor will tell her she can go back to work 2 weeks later. She will communicate the same to her employer. She thinks the employer will either straight up tell her she is being laid off, or will send some sort of certified letter to that effect in the two week time period, offering a severance package as well. If they don't she says she will tell them the day before she is to re-start that she will not be coming back. She really doesn't want to go back to the office, and plans on shipping back her iPad and cell phone to them rather than going in person, regardless of what happens.I chimed in and said she really should go back in person regardless of the outcome because I've been laid off before and they did it in person, not via letters or phone calls. She thinks it would be humiliating and embarrassing which I understand. I also told her it's not good to burn bridges in case she needs a job in the future, that not giving proper notice (in case they call her bluff) would be recorded in her file. She's close to retirement age anyways and says she won't need a job in the future after this new one. Keep in mind they ELIMINATED her position by laying off her bosses.

So, my question is what course of action should she take? Should she:

1) Put in her two week notice once she has the back to work date, and forfeit any severance package
2) See if they really are going to lay her off and offer a package
3) Same as 2, but they want to do it in person on her first day back, to which she won't go and she'd put in her notice one day prior to re-start date
4) Same as 3, but try to get her to go back on the first day to see what happens

Another thing I see with this is the company may be smart and think if they lay her off right away that it will look really suspicious (having been off work for 4 months due to legal disability) and put them at a legal crossroads. I don't know how the FMLA works, my mom seems to think she outside that protection but I haven't researched it yet.

Now, yes ethics comes into play here. My mom was fully intending on doing the proper thing by quitting with two weeks, but I don't feel sorrow for what the company has done with this restructuring. The company was not performing badly at all, performance and profit sharing bonuses were given out the two years my mom was there. The guys replacing my mom's bosses are out of the Houston office, hired 2 months ago in their 30s (as told to her by her counterpart in Chicago). I told my mom JOKINGLY just to go with the nuclear legal route, but in reality I would like her to just play her unique situation to her advantage and get a nice payout from company. But I don't want her to burn bridges at the same time.

What would you do in her shoes? I appreciate any insight.
Discussion Deals
ON SALE: Sonia Rykiel - Dauphine - Tote Black/White
Added on : Friday January 10th 2014 09:00:13 AM
Dauphine tote by Sonia Rykiel is made for the urban warrior who wants to stay in style no matter how busy she is. Cotton canvas in black and white stripes, gold toned zip and round »jewel» accents, leather front pocket. Ample room for iPad, makeup, and all the other things you need on the go.
Rayman Legends (PS4 or Xbox One) Pre-Order - $39.99 + FS @ Amazon
Added on : Thursday January 09th 2014 03:00:10 PM
g: 1 Posted By: heyyl0w
Views: 273 Replies: 0 Amazon currently has Rayman Legends (PS4or Xbox One) up for pre-order for $39.99. Shipping is free.

The game is set to be released on February 18. Amazon's pre-order guarantee promises that if the price drops between order date and release date, you'll be charged the lowest price.

For comparison, GameStop has the same pre-orderfor $59.99

Critically Acclaimed Platformer: The highest rated platformer of the year arrives on next-gen consoles! Join Rayman and friends in this epic new adventure
4-Player Co-op Gameplay: Up to 4 players can play at once. At any time if someone wants to leave or join in, the game will continue without interruption
Online Challenges: Connect with your friends through a variety of challenges that will test your skill and speed. Check the leaderboards to see where you rank around the world
Rayman Rocks: Jump to the beat of a drum, punch to the bass line, even zip-line during a guitar sustain. Timing and rhythm are the key to beat these maps set to music. See if you have what it takes to be a Platforming Hero
PlayStation 4 Exclusives: Use the new DUALSHOCK 4 wireless controller and touch pad to move platforms, turn wheels, and tickle your enemies into submission! Take the experience with you wherever you go with PS Vita remote-play

Xbox One Games Deals

GameStop Coupons
Car rear ended, back hurts
Added on : Wednesday January 08th 2014 01:00:07 PM
g: 0 Posted By: Al3xK
Views: 184 Replies: 0 My girlfriend has liability only, and was rear ended by a dry-cleaning van with commercial insurance. At a red light with plenty of cars lined up, it turned green, he just rammed into her stopped car. Damage isn't too bad, but it's been 2 days and her back is pretty sore and it was hard enough to knock her water bottle out of the cup-holder and spill it and lock up her seat belt. We called and started a claim directly with their insurance. Her insurance hasn't been contacted at all, since it's just liability.

What are the best steps for possible medical? It was a fairly low-speed accident with the other driver admitting fault (no police report). I'd just guess a several chiropractor visits and a massage and she'd be fine. I know insurance companies fight paying chiropractors without a real doctor visit. Do I send her to a doctor of our choice for X-Ray/check and then just send insurance company bill or what? Should I tell their adjuster she wants to go to a doctor and have him confirm a place they'll pay for?
Question Deals
g: -1 Posted By: remick
Views: 112 Replies: 0 A Confident Heart, Learning to Live in the Power of God's Promises
http://www.amazon.com/dp/B0055PLK2C

4.8 out of 5 stars (497 customer reviews)

Often the biggest obstacle to living out our faith is our own doubt--about our worth, our abilities, our relationship with God, and situations in our lives. A Confident Heart gives voice to the questions, doubts, struggles, and hopes so many women have. Author Renee Swope shows women how to identify, overcome, and even use doubt in order to live confidently in God's power, truth, and grace. Perfect for women's small groups or individuals, A Confident Heart is an authentic, insight-filled and encouraging message for any woman who wants to exchange destructive thought patterns with biblical truth that will transform the way she thinks, feels, and lives.



Also free at the time of posting:

The Year Of The Lord's Favor?: A Dramatic Vision of 9/11 Two Days Before it Happened and How it Can Change You Today
http://www.amazon.com/dp/B00CKEUDFG
4.9 out of 5 stars (26 customer reviews)

31 Powerful Prayers - Guaranteed To Make Tremendous Power Available and Avail Much!
http://www.amazon.com/dp/B007JWGKH4
4.5 out of 5 stars (23 customer reviews)
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How much of the deposit to return? lease take over
Added on : Sunday January 05th 2014 12:00:04 PM
g: 0 Posted By: SFcapitalist
Views: 155 Replies: 7 I took over someone's lease in early 2013 and he had placed a $1000 when he first moved in. We agreed that once this lease takeover ends and I move out that I will send him whatever I get from the office. As a side note, had I moved in on my own and not a lease takeover, I would've only been required to put down $500 deposit.
Due to some personal circumstances, I had to extend the contract. He's not willing to wait until the end of this extension and wants his deposit back. He believes that he should get the full deposit because the apartment was in good shape when he left it. But I explained to him that there could be mandatory deductions as well as other charges. I verified this with the office and there are mandatory deductions ($65 for carpet cleaning, $110 for required full/partial paint, etc).

He is asking for $500 by end of Friday to settle this and I will keep whatever I get back when I move out. Does this sound fair?

Deposits Deals
g: 1 Posted By: remick
Views: 248 Replies: 0 What Are You Afraid Of?: Facing Down Your Fears with Faith
http://www.amazon.com/What-Are-You-Afraid-Facing-ebook/dp/B00CH7L73I

4.7 out of 5 stars (42 customer reviews)

What Are You Afraid Of?
What is it that immobilizes you? What is stealing your joy and destroying your hope? What is robbing you of sleep night after night? What keeps you from living by faith and taking risks? What keeps you from giving your life wholly to a loving God who wants nothing but the best for you?
Regardless of your answer to these questions, one thing is absolutely certain: God is the answer to all your fears.


Through the Psalms with Derek Prince
http://www.amazon.com/Through-Psalms-Derek-Prince-ebook/dp/B002QMLEPU

4.9 out of 5 stars (9 customer reviews)

No literature in the world excels the psalms of David in their ability to provoke the human soul to meditate on the deepest and most abiding truths of God.
In this daily devotional, Derek Prince unfolds the multifaceted Psalms, which are at once deeply emotional and thoroughly practical. These eternal songs are a springboard to authentic worship and a glimpse into the heart of David's Father-and yours! Prince illuminates the Psalms through 101 engaging meditations, each based on a specific passage and theme and concluding with a one-sentence faith response for focus and application.



There Is More!: The Secret to Experiencing God's Power to Change Your Life
http://www.amazon.com/There-More-Secret-Experiencing-Change-ebook/dp/B00AHY0RNY

4.5 out of 5 stars (53 customer reviews)

God is not a God of carefully measured handouts. He longs to give you more--as much as you're willing to receive.
Books Deals

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Does anybody use furbuy? Need help.
Added on : Saturday January 04th 2014 03:00:05 PM
g: 0 Posted By: joel2007
Views: 0 Replies: 0 I'm not sure where to ask this question.
furbuy
My cousin sold a mascot costume for $1000 + $100 shipping.
The buyer address:
He's at a hotel for a convention and wants me to ship it to the hotel for him so 2 Convention center place South Wharf, Melbourne, Victoria, 3006, Australia.
He will pay by Paypal.

The buyer Squigz's comment:
"Hey, can you ship to australia? Can I get express shipping if I pay extra? I would really love this and can pay in full asap."

It is my cousin auction.
Is safe to ship from US to Australia? Do you think he is a scammer?

Thank you.
International Money coming into the US
Added on : Saturday January 04th 2014 09:00:08 AM
g: 0 Posted By: jones77
Views: 0 Replies: 0 Not a Nigerian scam story. So don't go there. Please address the questions I am asking.

Through a trusted friend of mine, who is over there,I have been in contact with a citizen of Yemen who is quite wealthy.
He wants to move a large amount of money out of his accounts there, into the US . He wants to acquire investment real estate here.
Additionally he may want to set up lending of some of his funds. The bottom line is he wants assets out of yemen as it is completely unstable and have returns.
Iwould be managing this. I own rental properties myself.

The following questions have come up:
Can a foreign individual just transfer six figure amounts into the US? How do they pay tax and get even a tax id?
With the eye on terrorism, that country is extremely scrutinized. Are there additional steps that need to be taken to assure the authorities that this legit and not laundered or otherwise tainted money?
Lending money, can one just do it on an individual basis, like a contract on a real estate purchase? must a company be setup?
Taxes on profits, how will they be paid?

It is a unique opportunity for me, I'm trying tomake this work. Any advice is welcome.
Mortgage loan ?
Added on : Monday December 30th 2013 04:00:07 PM
g: 0 Posted By: georgeojungle
Views: 104 Replies: 0 My wife and I live in West TN and are in process of receiving our first mortgage. TN is a spousal state, so we applied for the loan in just my wife's name. My wife was approved w/ conditions. It is my understanding that all debt in my name would not be included in her DTI. I refied our cars in my name to eliminate any debt in her name, but now the underwriter wants to see the sourced funds for the payoffs. I explained to the mortgage consultant what I did and why, but he seems to think that this will be included in her DTI which would screw us. I cannot be on the loan with such a short work history. Anyone have experience or knowledge in this situation?
Personal Finance Deals
Sony A77 body only with vertical grip $798 shipped
Added on : Wednesday December 25th 2013 11:00:02 AM
g: 0 Posted By: arckal
Views: 161 Replies: 0 I am sure this could save a lot to people who wants to buy Sony SLT A77 with vertical grip
here is the link:
Sony a77 link on amazon
Add both item in cart and use coupon code:WZU3OVHV
Cameras Deals

Amazon Coupons
g: 0 Posted By: remick
Views: 192 Replies: 0 http://www.amazon.com/dp/B005M3N3G8

4.6 out of 5 stars (80 customer reviews)

For every man there is a moment in life when he wants to give up. For Stanley Walters it was when he lost his son in a tragic accident. From that moment on he was trapped in a downward spiral of depression. Then he met a very special man named Charles who brought with him a very special message that he said has been passed down for thousands of years. This simple message changed Stanley's life forever. From Charles he learned what it truly means to succeed in every area of life.
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g: 2 Posted By: remick
Views: 284 Replies: 1 http://www.amazon.com/Jesus-Present-Tense-Statements-Christ-ebook/dp/B005MTBJKE

4.6 out of 5 stars (46 customer reviews)

In Jesus in the Present Tense, Dr. Warren W. Wiersbe explores the I AM statements of Godfrom His burning bush conversation with Moses, to His powerful reassurances to the Israelites, to Jesuss startling claim to be the Light of the World.

Many Christians find themselves mired in past regrets or future fears, but the name of God itself reminds readers that God wants them to live in the present. The more readers understand and apply Gods I AM statements from the Old and New Testaments, the more they will realize Gods peace and joy. Then they will be free to live, serve, and know God more richly in the present tensewhich is just where He wants them to be.
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Wii U + 2 games and $25 gc for $299 @bestbuy
Added on : Sunday December 22nd 2013 06:00:05 AM
g: 3 Posted By: mrlddst
Views: 235 Replies: 0 good deal if your kid wants one......

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g: 1 Posted By: Aeromark
Views: 135 Replies: 0 ClickedIn has a coupon for the Alamo Draft Houselocations in San Antonio and New Braunfels, TX.

http://www.clickedin.com/alamoDont trust the elves, get your gifts from Alamo Drafthouse 2 movie tickets + $10 gift card for $20

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Do you think I have a case to sue my employer?
Added on : Thursday December 19th 2013 08:00:13 PM
g: 0 Posted By: 77Rus
Views: 32 Replies: 0 Sorry for long story, tried to make it as short as possible but it is still too long. Just need your opinion what to do, if anything to do. Thank you.

Im Russian-American, naturalized citizen, speak Russian at home. Wasone of 12IT technicians,the rest of the guys are Americans.In July Ive complained to our new CIO (ex-military from Cold War time, chief warrant officer, served 12 years) about porn and violent behavior of one of the company owners (700 people law firm with large internal IT; I dont care about porn, have seen tons of it at work, but in that case a senior partner was just driving me crazy pointing on his desktop XXX files, screaming and beating the desk why, why they keep getting rearranged!!!). Anyway, I email and tell CIO, he investigates, tells me that Im right, did a good thing to complain and that he told the guy to behave properly and to remove porn. He asked me if Ive told anybody else. I tell him 2 names of IT folks (another tech and our senior tech). Next day Im told not to work on that PC, it is too much for you to handle, then me and 2 guys Ive told about porn get Final warning to improve work performance" within 120 days (bogus reasons, never had any warnings, CIO has put some crap in it Ive never did, like reinstalling programs trying to fix them, bad customer service not a single example , did the same to the other guys). Im probably the best tech of the firm at that time tons of positive feedback from users, everybody likes me, no kidding here that idiot with porn was the only issue Ive had for 8 years . I ask CIO WTF, he points on his army medals on the wall and tells me that he wants me to succeed, that he has trained hundreds of folks in the military and will do it to me. OK, shit happens, whatever.
I work like never before (Alabama, single income with a wife a 3 yo, scared to lose my job), run around pleasing everybody, positive feedback skyrockets to the point senior partners call CIO and email the whole firm saying how good Im.
One day had to work on printer of the secretary of the guy who had porn (Ive complained about), went to his PC to print and saw all the porn still there. Whatever.Sometime in August Ive emailed HR about new gun law in Alabama (do they need a copy of concealed carry or not if we keep it in cars in closed container), never ever said that I have a pistol in my car just asked what their policy is. 2 weeks later CIO comes to department and says in front of other folks that he will be the first one I will shoot in the office one day. No kidding. WTF I say. Why? Russians have serious weapons in their possession. Dung, OK, whatever.In September I bring him his new phone and he asks me how Im doing. Working like crazy, pleasing everybody. Yeah, he replies, I get emails about you every day. But you know what, it is not about customer service, it is about tech skills. OK, whatever.In October an attorney Ive upgraded with Windows 7 months ago (finally, he was on broken XP and didnt want to move), calls CIO and screams on him because his PC drives him crazy and he never wanted Windows 7. Attorney is a patent guy, often mad, but actually a very nice person did that crap many times, but never so loud I get a call for him, run, he says that all is good, he called CIO to bitch for no reason, Helpdesk was slow to unlock a document, he is sorry. OK, whatever.
I email my manager (new guy who doesnt know the attorney) that attorney is always like that, he is frustrated with his patenting crap, gets mad often, but it goes away quickly. Say I will deal with it.
Next day talk to that patent attorney again. He says my CIO is sending bad emails about me, he is so sorry, can talk to CIO to tell him that it is not my fault and not to use it against me. WTF?Later on that day I work on IT committee leader PC (CIOs boss). Outlook issues nobody can fix, told by Microsoft girl to check his emails blah-blah-blah see my email first thing. CIO forwarded it to CEO, IT Board guy etc that basically Im an idiot cant write emails properly, dont have skills, frustrate users. Dont see a single email about anybody else, only about me. I say WTF, it is too much.10/4/13 I go to CEO and tell the Man that CIO is hostile towards me without any reason. Sends emails with lies about me, gives bogus final warnings, says he gets tons of emails from happy users but still I dont have freaking skills, our system shows I have tons of positive feedback, said in front of all that I will kill him first one day.
CEO listens and says that the only resolution he sees is for me to talk to CIO like man to man. He says he sees cultural differences, he will arrange meeting. He says CIO is like that because he (CEO) is giving him hard time. Crap, whatever.10/8/13 I print that email for meeting. Microsoft girl is there - a witness from HR CIO says. Cant talk like man to man, CIO refuses to talk until I tell him how I found about the email. An attorney told me about it. No, I called everybody Ive emailed it to, they didnt tell you. Did you see it on a computer while you were working on it? Sure thing I did. I printed it for you. He is happy, tells me he sent it because there were 6 follow up after upgrade, nobody else has so many, I dont have skills, most of the positive feedback I have is solicited blah-blah-blah. Tells me to go and check tickets. I tell him that everybody except him likes me, how the hell I can solicit 100+ feedback from users when some of them I barely know, that I cant sleep and eat because of all his lies and I just dont understand why he is throwing me under the bus like a dog. I was a little bit loud and was crying, yes, but I didnt call him names or anything of that sort. Like I said Microsoft girl was there all the time.10/9/13 I check the tickets of the patent guy. 6 calls, none is my problem. Web site didnt work, Java didnt run, document was locked crap like that. Talk to managers (nice people, were always saying Im their best tech) they also say there was nothing wrong I did. I put everything into I nice email and email CIO the results. hey, sorry blah-blah-blah, here are the results, nothing wrong I did, Sir.
2 hours later Im called to HR, CIO smiles to me and CEO tells me to be terminated or to resign. It is bad to print emails without permission and we just cant work together with CIO. If resign, they will keep me on payroll for another 3 weeks and I will be with the Firm, but dont need to come to work. Whatever, screw them, I resign.
No threats, no firearms on me or in my car, no violence, never had a single complaint of that sort, never arrested, didnt have a freaking traffic ticket. They bring my things from IT and an armed security takes me to my car with a facility manager. Always in a case like that it is just a manager, but for me they arranged an armed security. For 8 years I have never seen an armed security in our building, nobody else did, Ive checked later on. We go to the car, security is holding his hand on his handgun, and the whole freaking firm (10 floors) stares through the windows to see what is going on before I drive away. Im not kidding, it was the most humiliating thing I ever had in my life. 8 years over there, zero complaints, and they called a freaking guy with a revolver.
Ive got 45 very nice feedbacks on LinkedIn after Ive left, including from company owners (freaking CIO himself only has got 10 in his life). People I still talk to say they were in shock to see what has happened.
Ive send a letter to HR 2 weeks ago about CIO (mentioned porn and him saying I will start killing people one day, asked to investigate), CEO called me and said that they will investigate it internally since Im no longer with the Firm, and they will not inform me on the results. They cant hire me back because CIO manages IT and it is his decision blah-blah-blah.
Called an attorney I found in yellow book for a free consultation, but he said he doesnt deal with voluntary resignations and advised to contact Equal employment opportunity commission. Thats basically my story.
Thank you all for reading it
Question Deals
Dr. Double-billing issue
Added on : Thursday December 19th 2013 07:00:10 AM
g: 0 Posted By: jj2292
Views: 51 Replies: 0 Can someone tell me if this is legal??!!

I had surgery (self-pay) with a doctor. He billed me for an additional surgery (never told me there would be an extra charge) that took place during the main surgery. I asked for them to put it through insurance to see what they would reimburse me, after paying $14000+ for the main surgery. I get reimbursed from the insurance company and pay the bill the doctor had given me. The doctor cashed my check AND now wants the insurance reimbursement check as well. He is out of network. Is this legal??? What can I do, if anything? They are now telling me they will add 50% to my bill if they have to put me in collections. WTF???!!!
Personal Finance Deals
g: 0 Posted By: bookieg
Views: 166 Replies: 0 NoMoreRack.com has the World Tech Toys DC Comics 2CH IR RC Helicopterfor $30 with $2 flat rate shipping. Calling all Bat fans...no collection is complete with out it. And no need to choose between your children, the Superman and the Heath Ledger Joker are also eager to be added to your cart. Ebay wants over $50 bucks.
Licensed by DC Comics
Twin rotors for stability and control Ready to fly Height: 7.5"
Wingspan: 6" Battery: internal LiPo battery (included) & 6AA alkaline batteries (not included)
Pick from Batman, Superman, or the Joker
IR Transmitter
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Eyeing a rental market play? Blackstone wants you
Added on : Wednesday December 18th 2013 12:00:05 AM
g: 0 Posted By: raspino
Views: 45 Replies: 0 http://finance.yahoo.com/news/eyeing-rental-market-play-blacksto...

looks like an opportunity for those interested in rental on a bigger scale.
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g: 0 Posted By: DirtCheapDad
Views: 90 Replies: 0 Frys.com (and in-store) has the Patriot 64GB Micro SDHC memory kit (includes USB and SD adapters) for only $29.99 AR and free shipping. Took a couple trys to get the order to go through successfully (for free shipping) because the site kept saying there was an error, but finally went through.

Great deal for everyone who has picked up the Asus Transformer T100 32GB/64GB and wants to max out the expandable memory, or add this to any tablet, camera, phone, etc.

Meets current SDA 2.0 and UHS-I 3.0 specifications
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Up to 20MB/s Write


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45k i can't do anything with
Added on : Thursday December 12th 2013 05:00:13 AM
g: 0 Posted By: mmdino
Views: 30 Replies: 0 This is kinda long for a question, but I want to get the background down. Found the finance forum on google so I thought this would be a good place to ask because I can't ask local people or anything. Me and a friend were doing demo on a abandoned house about 10 years ago for close to minimum wage pay plus a written contract saying we could keep whatever we found like copper pipes that were still there, appliances, any furniture, etc. We demoed a wall and found plastic wrapped money. A contractor there that day said it was in our best interest to tun it into the police because it was probably drug money or from a robbery and if we tried to spend it we would be in a world of trouble. This made sense so we ended up bringing in the haul, didn't even open the plastic--- at this point we didn't even know how much it was. I guessed 10k at most. So we filled out a few forms and gave a statement, get a case num. Cop says we aren't getting the money back because it was clearly crime related.

So a few months goes by and my friend calls the police a few times but they basically say nothing has happened with the case. After a while he stops calling and about a year later he moves out of state for some job. We weren't super good friends, we basically met before the demo work and he asked if I wanted in on the job after he got hired so I lost touch and to be honest forgot about the money except when I saw movies and tv shows that had briefcases of the stuff.

Six years later Ron calls my mom and tells them to tell me to call him back as soon as possible. I was living with my mom when were demoing, now I'm in a different city and I had changed cell numbers a few times, I'm surprised he even had my mom's number but I call him back and he tells me the police are releasing the money back to us. I thought he was screwing around but he insisted they did. H wants to met up at the police station to pick it up because we both have to be there. I was positive it was some kinda prank, but he planned to drive back to the state that weekend and meet up at my place.

He shows up like he said and tells me there were no significant trace of drugs on the money and even though a bunch of it was sequential they couldn't trace any of serial numbers on the money to a crime. So then he tells me its a little over 90k in cash. I couldn't believe it, and honestly wasn't going to believe it until I saw it. He says they tried to contact previous owners but there were condos on the property now and the bank had taken possession then sold to contractors and never could get in contact with whoever had th house. Next day we drive to the police station and after a long wait they bring out a cardboard box from evidence with all the money stacked up and in zip bags with amounts written on them. So we sign off on the stuff then the police are like you can't take our box, so they give us some trash bags to separate it out which I thought was ridiculous and felt weird and stupid to be carrying trash bag of money but luckily we separated it out in the back so people didn't see us.

So my friend leaves to drive back home, we didn't even want to stop for a drink anywhere we just wanted to get the money elsewhere safe. My bank is closed so I take it home and stuff it in a box in my closet and then pretty much can't sleep. I call in sick on sun and go to the bank right at 8 mon complete with my trashbac of money. I tel the teller what i have and she has like this freaked out look and says she has to get the supervisor. He has me come in to a office and asks me where I go the money and I tell him the above and he really doesn't buy it, I can tell. So we all take a look at the money, which is still in police plastic bags and he figures out most of it is sequential numbers, and none of have security strips because they are before whenever they added those and tells me he won't accept it. I'm like what do I do with it, and he just shrugs at me like it is no big deal. wtf. So I take this stuff home and sort through it and like a it is split into three groups of serials on 100s and then maybe 1k of random numbers. There is over five hundred in smaller bills which I take out.

I end up taking it to another rbranh and it turns out the other bank flagged my account and warned them not to take any large sums of cash from me. I ended up arguing with the bank manager at the second place and he tells me if the police will vouch for the money they will deposit. I call the police and not only will they not vouch for it, but they don't even want to talk to me about it. Open a new account somewhere else right. No one will take it. Sequential bills, no security strips. I even mixed up the 100s and after it took them forever to count it all they come back and tell me it is sequential. In fact one bank tells me there only has to be 5% sequential for that sum and they won't be able to take it. This is nuts right. So I go to my original bank and get a safety deposit box and dump most of it in there. Meahnwhile I think I can just spend it as needed but places won't even take them, no security strip they don't even care if it is legal, two places call the cops on me and I have to sit around while they look up the case number and everything. I manage to break one of the 100 at a fancy restaurant and that is it.

Finally I call Ron up a few weeks later and he says he is having the same problem and even tried to cash in at the casino but they wouldn't. He said he has put one or two in an ATM deposit but he didn't think he could keep doing that and doesn't know how long it would take for them to reject them through that system so he was waiting to do more. He has been able to deposit one or two in a new account each week and now one has said anything but he thinks is only a matter of time. A month later I can't even get ahold of him and he won't return my calls, and I'm wondering if he got arrested or his state was better able to trace the money to something or what. So now I'm afraid if I take it out of state or even out of the general area i'm could be a world of trouble. I was thinking I could buy a car from a private seller and then sell it but that would just get the buyer in the same place I am or worse. One drunk night I actually burned one of the hundreds just because. It was funny at the time but the next day I felt awful. I don't even know how much exactly I have because I haven't had the nerve to go to the bank and just sit there and count it all.

So what do I do with this money? I don't want to ask friends because I just think someone is going to rob me or something because who knows who they tell. My mom doesn't even know the whole story because I think she's gonna tell people too so all she knows is I got some cash from the police after a demo job. I have gotten rid of all the smaller bills and some of the 100 that were new enough to have strips in them but thats not even close to the total amount. Please help and sorry for the length.
Ideal Time to Upgrade A Car?
Added on : Wednesday December 11th 2013 03:00:07 PM
g: 0 Posted By: justignoredem
Views: 216 Replies: 4 Hello FatFinancers.

I'm in a bit of a quandary. For the first time I am having a bit of a disagreement over a purchase. That purchase being our next vehicle. Apparently she has been having some trouble recently - the coolant (I'm guessing radiator fluid?) seems to be leaking, and her car is overheating. She finds it a hassle to have a car taken care of, and just wants to get a new one with a warranty.

Currently she has a 2008 Mini Cooper. I have a 2006 Acura TSX.

My ideals: Ride it until the wheels fall off.
Her ideals: Ride it for 4-6 years and then upgrade to one slightly used with a warranty.

I'm trying to instill that a car is the fastest depreciating asset you could ever own, and everytime you buy a new one should be limited and avoided if possible. I REALLY don't want to drop another $10-20k bomb on our bank accounts. But hell - maybe I'm wrong. Maybe all the car maintanance costs do cost more over time. Can anyone confirm for me on a cash-by-cash basis where you should or should not upgrade your car? When? How often? Whats the most ideal for the most monetary savings?

Any links/guides that may be rampant (IE: Charts of average costs) would be appreciated. Sorry I'm bad at finding this type of stuff.


Discussion Deals
Free Kindle Book: Love on the Buchanan Ranch - Elizabeth Nelson
Added on : Wednesday December 11th 2013 11:00:08 AM
g: 0 Posted By: MrsF
Views: 206 Replies: 0 http://www.amazon.com/Love-Buchanan-Ranch-Romance-Story-ebook/dp/B00BNY5PR0/ref=sr_1_80?ie=UTF8&qid=1386796380&sr=8-80&keywords=free+kindle+books

Love em and Leave em Falling for Him

A deceased husband who leaves his wife nothing.

A woman who believed she was more than her husband supported.

An unexpected romance in the most unusual setting.

Starting over in a new state and hoping for a better life, Stacey leaves home after the funeral of her husband for twelve years. She wants to mourn, but cant find it in herself to feel sorry hes gone after the years of emotional abuse he put her through and the legal battles hes left her with. She doesn't know if shell be able to open herself up to that kind of vulnerability with anyone ever again.


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Short sale gone bad... Can Agent switch sides
Added on : Tuesday December 10th 2013 03:00:09 AM
g: 0 Posted By: elptrainerny
Views: 223 Replies: 3 Had an offer accepted for a short sale in July. Seller's bank turned down the short sale in Nov. My agent calls me this weekend saying seller wants him to represent them and get deal done. Agreed to a price 25k higher verbally but never signed any additional paper including dual agency agreement.

This morning I get an email:
I may go to the property with another interested client. Legally you can't purchase XXXXXXXX without mefor 180 days due to the terms in the listing agreement when shown to you.

Can a buyers agent do that?


Question Deals
Cashing stale-dated checks
Added on : Saturday December 07th 2013 01:00:08 AM
g: 0 Posted By: aares
Views: 62 Replies: 0 I've been trying to decide how I should go about cashing six or so stale-dated checks from my employer. This is a part time job on the weekends, and normally I would accumulate the checks instead of cashing them every single week, just to get my money all at once. I didnt mean to let them become stale-dated...my employers accountant decided to change the "Void after 6 months" to "Void after 90 days" wordage on the checks, and I didnt see it until I was going to cash them. So I have around six checks that need to be cashed.

My credit union wont cash them because they are "void"...I went once to try and cash them. My employers accountant wants me to pay $35 per check to have the check cancelled and reissued, which I think is BS when I can hand the checks back to them (not like I lost them).

Are there any ideas on how to cash these checks? I was thinking about going into the bank again, and try to distract the teller by asking questions about whatever and hopefully they wont see the "void after" on the check. A freind of mine said to deposit them through my phone and somehow block out the "void after", but Im pretty sure thats check fraud and I dont want to do that. All ideas are greatly needed!

Personal Finance Deals
Insurance claims that were pre existing conditions
Added on : Thursday December 05th 2013 03:00:06 PM
g: 0 Posted By: ridn4free
Views: 76 Replies: 1 I changed jobs and insurance companies this year, I had a injury in November and I got my last shot in January. I just want to pay the bill and add it too my deductible but the insurance called me and wants more info. Cant that just be added to my deductible or will that just be an expense I will have to pay ?
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$1,000's in free stuff for webmasters at SITEPOINT. Christmas sale 2013.
Added on : Friday November 29th 2013 01:00:07 PM
g: 0 Posted By: fkebay
Views: 224 Replies: 0 link

Freebie Bundle - for web designers or web masters or whoever wants some great web related stuff.

More than $1,000 worth of free stuff !

Its that time again!

This years freebie bundle includes more than $1,000 worth of free stuff, including icons, vector artwork, web hosting, marketing and project management tools, ebooks, and much more.

To claim the bundle, visit the link and just enter your email address (in the box provided at the link), and well send through the goods right away.

Merry Christmas!

link
Software Deals
Bulk Discount: Buy 6+ Kindle 4 for $49 each
Added on : Thursday November 21st 2013 02:00:06 PM
g: 4 Posted By: psy
Views: 458 Replies: 0 My kid's school PTA asked me to check into buying Kindles for a classroom project.
In order to buy six Kindles, you have to go to their Business and Education webpage and request to talk or email with them.
I was pleasantly surprised to be told that they have a promotional bulk discount rate of $49 each--$20 off the regular price.

Kindle for Business and Education

The Amazon rep said that this offer was good for orders of more than 5.
She also said that she did not see any information on when this promotion ended (thought it might be a month).

I realize that Best Buy is offering the same Kindle at the same price on Black Friday. That deal is a limit of one per person, and you get to stand in line in hopes of getting one.

I realize that not everyone wants a dedicated eReader with only an E-ink screen.

Yes, you can get a tablet for not much more, but some people just want their students/kids to read more.

So this bulk discount is good for large families, affinity groups, schools and others who would want to order more than five Kindles.


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Amazon Coupons
Parents falling for investing scams (Iraqi dinar), what to do?
Added on : Wednesday November 20th 2013 07:00:10 PM
g: 0 Posted By: magika
Views: 111 Replies: 0 My parents recently began "investing" in the Iraqi dinar based on the (mythical) idea that it will revalue to some enormous amount (something like $3 for every dinar they purchase). I put quotes around investment because its a well known scam and has been for the past 10 years, there are companies that pump up this "investment" by promising it will revalue. Its never going to happen, or if it does the chance of it happening is similar to winning the lottery.

Now, normally, this wouldn't impact me and I wouldn't care - but my parents have always been very conservative with their money. That means they didn't do the smart thing like investing their money in the market early in life. Both are retired. They have enough to live in retirement without me helping them, but only just barely. I don't know the size of the "investment" but its at least $15k and might be more, which for them is a large amount of money (they live in a VERY low cost of living area). I will be the one supporting them if they keep doing this, so I have a vested interest in stopping it.

The problem, of course, is that no one wants to hear they've invested in a scam. They are convinced this is going to make them rich. I need to find some way to dissuade them from this brand of stupidity, but just presenting the facts has not worked. Any ideas?

Link for those not familiar with this scam: http://www.learningmarkets.com/the-iraqi-dinar-scam/
Personal Finance Deals
Sitting on cash with a student loan decision to make...
Added on : Wednesday November 20th 2013 05:00:15 PM
g: 0 Posted By: jd2010
Views: 161 Replies: 0 Time for another installment of "pay your student loans, deadbeat."

Backstory: Over the past 2.5 years my financial picture has gone like this:
Then Now IRA 0 15000 401k 0 30000 Cash 0 25000 CC Debt -20000 0 Student Loans -140000 -125000
I am juggling a lot of variables and want to rely on the wisdom of FWF to help me make the best decision. There are multiple issues at play making the right call here murky (at least in my opinion)

As of today, all student loans are consolidated on Income Based Repayment (IBR) at a weighted 7.2%. My monthly payment is around $900, which covers interest but makes near 0 dent in principal.


1) Employment - Employment and promotion prospects are murky due to bureaucracy and being under the sales dept umbrella at Fortune 500 employer. I could be out on my ass in a month if we miss #s and mgmt wants the stock to go up a penny or two. Job is also semi unique and am not sure how easily I could find similar employment at a similar comp level. Changing comp changes my monthly loan payment, and thus, the entire game if something should happen to jobby.

2) House - I missed the bottom by a lot and am not in any rush to buy now, but I'd like the liquidity to take advantage of the next crash when helicopter ben runs out of steam, along with any other FWF shenanigans that require some capital to scale.

3)Car - Has several issues and the carfax is ugly to where I am probably best served driving it into the ground. I may need to make a vehicle purchase in next year or in 5 years, depending on how long bubblegum and duct tape holds it together.

4)Bailout possibilities/point of no return- I have been hesitant to start going hard at my loans so far. I am at the income and loan amount combination, where if I don't see a jump in pay, I am probably better off doing the status quo for a while and seeing what comes down the chute from govt. Once I commit $ to loans I am basically opting out of whatever bailout may come in the future because my debt/income will likely be too low to benefit. If I get a promotion I'll likely be making enough to where I can knock them out in 5 years or so and procrastinating won't make sense. But as it is now I feel stuck.

Wildcard: GF will be graduating with 200k in debt in 1.5 years and taking job in health sector, with potentially much more lenient student loan forgiveness terms. We have no plans of getting married or having kids. However, we would consider a paper marriage should it behoove us from a student loan perspective where my loans may be able to be shell-gamed in combination with hers to maximize forgiveness benefits and start attacking the ones that make the most sense jointly.


As I see my options, they fall into varying degrees of the following two scenarios...

Continue to stockpile cash and pay the IBR minimums, which will cover interest and wait for the house of cards to fall and pray for free $.
Pros:
1) Will be in good shape if I get canned
2) if my car takes a dump
3) if at some point I want to do a house
4) Most notably, am positioning myself as well as I can to take advantage of apotential wide-reaching student loan bailout when the whole higher ed bubble goes boom.

Cons:
1) Passing onrisk-free guaranteed 7+% return (assuming no bailout)

Throw most of the 25k at student loans
Pros
1)7% return and I am a responsible FWF citizen who PHBDB.
Cons:

1) Shoots all liquidity to hell, limited ability to do house or car for foreseeable future
2) Once I go down the path of actually paying back my loans, my loan total will shrink to where I will be far less likely to qualify for any govt cheddar. It is basically a 10 year decision if I decide to start paying them down.


Would appreciate outsider input as to whether Im overcomplicating this. If I do keep stockpiling, how aggressively do I then invest it ranging from 1% CD to putting it all on black in vegas?
Personal Finance Deals
g: 1 Posted By: Silverthunder
Views: 115 Replies: 0 This was a post (below) by dshibb from several months ago. I set off trying to take advantage of it several months ago. after web form contacting/ emailing about 15 places and not finding anything, I put the project on hold. is it worth it for me to keep searching?
-----------------
Okay I've known about this for a very long time and I don't know why I haven't just come out and shared it with the FWF crowd this whole time.

The AOR happy crowd on here is always looking for good safe yield that they can drop short term money in right?

What if I told you that I was aware of a way to put down unlimited quantities of capital on something safer than a money market account that depending on your age paid out 2-3% guaranteed after a year and likely to yield 4%+ after a couple of years and didn't have any yield curve risk(like a MMA and deposit account)? This product also has cash available on about 2-5 weeks notice(if you're smart on how you handle it likely 2 weeks).

The low interest rate environment has created an anomaly in the single premium life insurance market. Interest crediting to permanent insurance policies is based on longer duration rates which are higher than short duration rates. There are numerous single premium products that back load their expenses allowing you to have a policy that turns positive almost immediately. You can abuse these vehicles as a short term place to drop cash and get higher yields than what you can get out of a deposit account. And this is all before taking into account that you also have a death benefit in case you pass away during the few years you're holding it.

Basically the game works like this. Due to interest rate environment strong early cash value products are getting interest rates associated with long term fixed income. You take out one of them drop in your cash and either when you need the money in the future or when short term rates(deposit rates) move up high enough to close the gap you surrender the contract and take your money out.

The counterintuitive part is that when you surrender assuming your under 59.5 you'll pay ordinary income taxes and 10% penalty *on the gain*. But if you were going to be putting money in a reward checking account, CD, etc. you would be paying ordinary income taxes anyway. Under this deal you get those deferred until surrender. So the key difference here is the 10% penalty, but since it only applies to earnings even after you account for that it's still a pretty good deal. If you're earning 3.5% on your money and surrender paying a 10% penalty the yield only drops from 3.5% to 3.15%. Still better than what you can get out of a normal deposit account. Furthermore unlike a deposit account the yield keeps on getting better year after year and is likely to be in excess of 4% after only a few years. If deposit rates stay low for a while that could result in some rather lucrative interest spreads over deposit rates.

Also, unlike a medium term bond fund you have no yield curve risk. If rates rise the bond fund falls. Instead the insurance carrier retains the yield curve risk on it's own balance sheet just like a deposit account and money market account.

For those of you asking 'Why don't I just take out policy loans instead of surrendering and paying taxes' the answer is that a single premium is practically guaranteed to be a MEC. That means that policy loans are still taxed as ordinary income. So since that is already baked in the smarter move is either surrender or combo of withdrawal and reduced death benefit. The small problem with the latter is that MECs are taxed on a LIFO basis which means that you would be withdrawing earnings first and basis would remain in the policy.

For those asking 'Why don't you take out a policy that has a long enough pay period to no longer be a MEC so you can get tax free loans?' well those things A) don't turn positive right away so you're taking a risk that short interest rates will rise canceling out the anomaly before you've had a chance to capitalize on it and B) If you use policy loans you have to keep rather large chunk in the contract long term to keep it in force; that weds you to holding it over the long term and if that's the case most people would be better off holding fixed income inside of qualified account negating any perceived benefit(hence why the usual advice to everybody is to only look at permanent insurance for what would have been fixed income holdings after you've maxed out all of your qualified accounts).


Few notes:
1) Make sure you don't take any product with surrender charges because you might be in and out within a few years.
2) The standard hold up for a surrender is that most carriers delay it and inform the agent of your intent to surrender allowing him to try to 'rescue' the policy by convincing you to not surrender if he wants. You can have that agent waive his right to hold up the surrender by a couple weeks. I'm not positive that every carrier will accept this, but when taking out a policy having a letter signed by the agent waiving his right to hold up the surrender should make the time period to withdraw your funds much shorter(a money market account holds up funds for a few days this would hold it up only for a couple weeks).
3) Particularly among products very competitive in the short term the commissions on doing this are very low. Usually it's in the 2-4% of lump sum amount and nothing recurring. That is low for any advisor used to either a lot more up front or an AUM fee that is paid out annually. You might notice agents not particularly that excited about doing this.
4) Increasingly insurance carriers have been increasing their commission 'clawback' periods. That means that an agent could have almost all of his commission clawed back if you surrender within a couple years meaning he now owes the insurance carrier. You may want to weigh whether it's worth it to inform the agent of your likely surrender down the road. If you're not it's likely you wont be able to ask for the letter I mentioned in #2, and just be stuck calling him to expedite the surrender down the road. Maybe you can work out some other arrangement so he isn't worried about doing all this work for you only to have his small commission clawed back in a couple years.


So essentially we're talking about arbitraging the interest rate market through a permanent insurance product. You get the risks of very short duration fixed income(like a money market account) while getting the yields more indicative of longer duration fixed income. The anomaly wont last forever; when interest rates rise the anomaly disappears and you surrender and move your money to something higher yielding.


Personal Finance Deals
g: 0 Posted By: remick
Views: 173 Replies: 0 http://www.amazon.com/Christmas-History-Personalities-Meaning-Christs-ebook/dp/B008FZ3URW

Throughout the centuries, so many traditions have woven themselves into the celebration of Christmas that it's difficult to understand just what the season of Christ's birth is all about. Now beloved writer Warren W. Wiersbe and his son, fellow pastor David W. Wiersbe give adults their very own A to Z Christmas primer, cutting through the wrapping paper and pretty bows to expose and explain the backgrounds and reasons for our various symbols and traditions. From angels and Bethlehem to yuletide and Zechariah, the information in this unique collection is sure to enlighten. Anyone who wants to have a deeper understanding of Christmas will love this insightful resource.
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Need advice on renting out my primary home (Updated)
Added on : Tuesday November 12th 2013 04:00:12 PM
g: -1 Posted By: nasheedb
Views: 2820 Replies: 26 I'm the guy who is moving to Switzerland (http://www.fullofdeals.com/forums/finance/1300987). I am looking for some advice on renting out my primary home. Here are the details:

-Purchased the house in August of 2009 for $165,000 and I received the $8,000 credit, essentially bringing my purchase price down to $157,000
-Current value of the house is around $200,000
-It is in a cookie cutter neighborhood, and it is among the largest and most expensive in the neighborhood.
-I have a HEL at 3.99% fixed, 83 months left on the loan. Current balance $87,xxx

Monthly expenses (current):
$1214 - HEL payment
$424 - property tax (pay in full at the end of the year, this is the yearly cost /12. It will also be higher next year due to no longer being owner occupied)
$96 - insurance (pay in full, yearly cost /12)
$54 - HOA (pay in full, yearly cost /12)
Total: $1788

Property management fee will be 7% on top of this. I would need to charge at least $1925/month for rent just to break-even from a cashflow perspective, and that's before I take maintenance/repairs and vacancies into consideration.

I've had a realtor from the property management company advertise the house on MLS for $2000/month for the past 4 weeks. I've had 3 showings so far, which the realtor says is very low. When we set the $2000/month price, the realtor did a market analysis and said that price was fine. A week ago, a house that's very close to mine came on the market for rent at $1800 a month. My house is a little nicer on the inside, I have tons of landscaping work, I allow for pets on a case-by-case basis, I'm including all appliances, so I am adding a little bit of value compared to the other house, but probably not much. The realtor wants me to drop the price to $1800 a month. That would leave me in a pretty bad position from a cashflow perspective. I really don't want to go this low.

I'd like to try adding a bonus for the renter's realtor. Normally they get half a month's rent as commission. What if I were to increase this by say $500? That's 50% more than what they would get normally. Is this worth a try? Any advice is appreciated. I have to move by the end of December, but the sooner I move, the better.

I've also tried advertising the house on Craigslist for $1800 a month, but I haven't had any interest. A refinance is basically not an option, I don't want to deal with the headache of refinancing when I'm moving.
Personal Finance Deals
g: 0 Posted By: remick
Views: 198 Replies: 1 http://www.amazon.com/Database-Driven-Website-using-MySql-ebook/dp/B009OMFL0E

Connecting a database to a webpage leads to interactive participation and not as static information being displayed. MySQL database can store records in tables which can be accessed (both updated and retrieved) through webpage forms.

This book will be useful for anyone who wants to understand how to connect a MySQL database to a web page. It is also intended for someone, who has ever wondered, How a webpage displays the result of a candidate given her unique_id as input? As in every remote school, colleges results are published on their respective notice boards, the same can be done in their website and viewed by all. Also one can prepare feedback forms that can be filled up online. Such data can be either used to update a table or make any query. The possibilities are many.
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g: 0 Posted By: bittul
Views: 84 Replies: 0 $11.21 each (only Python style at this price. Other styles are $14.95)
Spend over $20 and get a VIOlife SLIM Sonic Fashion Toothbrush Free.
So add 2 to cart, and the 3rd gets added automatically.

Total for 3 = $22.42 + FS w/Shoprunner.

http://www.drugstore.com/violife-slim-sonic-fashion-toothbrush-python/qxp227453?catid=186721
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g: 1 Posted By: remick
Views: 130 Replies: 0 http://www.amazon.com/Brands-Dont-Grow-Trees-Engineering-ebook/dp/B00GJD2KDC

You would only read this book if you are brazen enough to think your message has a right to be heard in the marketplace. And that means you need to take another look beneath the ice-berg because frankly - snappy branding just doesnt cut it anymore.
Have you ever wondered what it takes for every part of your business to stay on brand? How many more times must you remind your team (and sometimes yourself) that going through the motions is not the same as delivering on the brand promise. Disappointing customers with generic service just because you have other things to get done or increases in loss of market share because of a weak brand message. Or poor business structures that fail miserably to amplify your brand.
Suddenly you begin to notice that being a brand is more than just a clever logo and for the first time you realize that your business if failing your brand.
If only you knew how to prevent your business from ruining your brand.
You are certainly not alone. Most leaders, whether in small business, not for profit or private practice wrongly attempt to understand first the science of business when instead they should concentrate on building an artful brand.
Brands Dont Grow on Trees is a vibrant business conversation that unites two seemingly opposing forces - the art of a mission marketing approach with the science of managing a business.
This culminates in the 4 Pillars of the BrandCULTURE EQ framework which states that there is an intelligence required to successfully execute a brand focused business growth strategy.
Those 4 Pillars include 1) Customer Advocacy 2) Brand Development 3) Cultural Mapping and 4) Management Structures. And as a result this process unravels the riddle that afflicts passionate leaders -which is how do I integrate my brand message with my business - not just for today for days to come?

Brands Dont Grow on Trees is written within the 4 sections of the BrandCULTURE EQ framework, and proposes the following:
1. Customer Advocacy says that before you undertake any strategic move in business you must first know and care about what your customers care about. To do this means as a leader you need to shift from a mindset that is product-orientated to one that is centered upon championing not just the wants or needs of your market but also the mission and the message that your market needs to hear.

2. Brand Development branding is just the tip of the ice-berg and the activity of branding does come close to what happens when you look beneath the ice-berg and start to develop your brand and connect your brand to your daily operations. Becoming a brand, whether on a local or global scale means you become more concerned with developing deep roots that are 100% aligned with brand message - that says we are here for a mission here for a purpose.

3. Cultural Mapping of all the species, humans are the only ones that ignore their instincts and activate the least amount of their senses. A bird can sense a change in weather signals and avoid perishing in a tsunami yet a boss fails to notice or take action when that staff member rolls their eyes when discussion on brand values is tabled at a meeting. Moving forward, mission leaders need to adopt a higher sensory awareness if they want to ensure that both the internal and external communication of their brand message remains positive.

4. Turnkey Structures For once and for all, if ever there was a good reason to finally get on top of implementing proper systems within your business all you need to do is take notice of the trillion-dollar global industry that is based upon selling a system. That industry is franchising. Franchising is known for building small businesses indicative of a strong brand and rock solid systems. And that very system that amplifies the brand.

But what is far more important is the thinking behind designing the system which is more about building a brand and not just building a business.
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Thoughts on a trip to Niagara?
Added on : Friday November 08th 2013 03:00:11 PM
g: 0 Posted By: Matrim33
Views: 34 Replies: 1 Hello. My wife's family wants to take a trip to Niagara next summer. We're all coming from the West coast (Seattle and LA). Last summer we all took a trip to Kona and rented a house, which ended up being very affordable for the 10 of us compared to a hotel. We stayed there and adventured around the island each day.

We would like to do something similar with this trip but I'm not sure the options. So far we thought of maybe combining a trip to Toronto and Niagara, or maybe doing a train trip in Canada. Were looking at at 7-10 days. Can you do a week at just Niagara?

I'd love to hear of any ideas or experiences with trips to Niagara if anybody has any. Thanks!
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Becoming a Part Owner
Added on : Friday November 08th 2013 05:00:09 AM
g: 0 Posted By: uberbartok
Views: 43 Replies: 1 Hey guys,

Within the last year or so my boss has approached me about becoming a part owner (30%) to be exact. He is owner of a small town pizza joint in which I have worked in for around 12 or 13 years.

This is a business that has almost always had two partners. Which was previously owned by two of my bosses uncles (before my time) and then sold down to him and his brother-in-law.

Over the last 5 or 6 years or so the brother-in-law has sold his 50% share giving my current boss 100% of the business. Also to add to this my boss decided that he would go back to university and become a school teacher; starting out as a supply teacher and now full time which he started last year. So he's been super busy with that and is lucky to make an appearance of one shift per week at the store, while his wife now works the full majority of the hours that he previously did.

My feeling is that my boss wants to both 'give my the opportunity I rightly deserve' as well as 'put the golden handcuffs on me' while he maintains a majority of the business and claims both it's profits and his teaching income. I believe his intentions are to gradually move away from the business over the next 5 years or so and focus more solely on his teaching, but that remains to be seen...

Anyone have any advice that they could give me before I plung head first into this?
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g: 9 Posted By: archena
Views: 1007 Replies: 4 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase

Financial Bondage: How to Quit Getting Screwed on the Ugly Side of Capitalism and Enjoy Real Freedom [Kindle Edition] was $9.99

Anonymous Debtors (Author)

http://www.amazon.com/dp/B00FG9B9DW

Publication Date: June 5, 2012

Publisher: Street Smart Publishing

2 Reviews ★★★★★

#9 in Kindle Store > Kindle eBooks > Business & Investing > Personal Finance > Money Management

Youll be shocked to know whos actually in Financial Bondage and who wants to keep people there as well as the tricks, techniques, and strategies used to capture millions of Americans.

What if you could break free? What if someone told you how the game really worked?

It is a common belief that just the foolish end up in Financial Bondage, but thats a myth. The part that may surprise you is that the vast majority of Americans are involved whether they are poor or wealthy. You might also be shocked to know your bank account or lack of it is not the only determining factor of Financial Bondage.

Youll learn symptoms of Financial Bondage and the four ways people can end up there. In Accidental Teachings, well look at why we learn so many false beliefs about money and perpetuate them as the truth. In The Truth, well talk about the real teachings regarding money. Fighting Back presents some clear strategies for those who want to free themselves from debt, including $214,000 of actual debt settlement for an average of 19%. Escaping is all about changing your financial mentality for good. And finally, Real Freedom, will leave you with a good understanding of what that is and will inspire you to get there as soon as you can so you enjoy your life even more.

You dont have to suffer in Financial Bondage anymore. No matter how bad your Financial Bondage is, it is possible to break free. You can feel an enormous release of stress and a new peace in your life.
Totally Free Deals
g: 0 Posted By: archena
Views: 86 Replies: 0 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase

Financial Bondage: How to Quit Getting Screwed on the Ugly Side of Capitalism and Enjoy Real Freedom [Kindle Edition] was $9.99

Anonymous Debtors (Author)

http://www.amazon.com/dp/B00FG9B9DW

Publication Date: June 5, 2012

Publisher: Street Smart Publishing

2 Reviews ★★★★★

#9 in Kindle Store > Kindle eBooks > Business & Investing > Personal Finance > Money Management

Youll be shocked to know whos actually in Financial Bondage and who wants to keep people there as well as the tricks, techniques, and strategies used to capture millions of Americans.

What if you could break free? What if someone told you how the game really worked?

It is a common belief that just the foolish end up in Financial Bondage, but thats a myth. The part that may surprise you is that the vast majority of Americans are involved whether they are poor or wealthy. You might also be shocked to know your bank account or lack of it is not the only determining factor of Financial Bondage.

Youll learn symptoms of Financial Bondage and the four ways people can end up there. In Accidental Teachings, well look at why we learn so many false beliefs about money and perpetuate them as the truth. In The Truth, well talk about the real teachings regarding money. Fighting Back presents some clear strategies for those who want to free themselves from debt, including $214,000 of actual debt settlement for an average of 19%. Escaping is all about changing your financial mentality for good. And finally, Real Freedom, will leave you with a good understanding of what that is and will inspire you to get there as soon as you can so you enjoy your life even more.

You dont have to suffer in Financial Bondage anymore. No matter how bad your Financial Bondage is, it is possible to break free. You can feel an enormous release of stress and a new peace in your life.
Totally Free Deals
Lien Error on Property in Georgia Causes Selling Headache
Added on : Tuesday November 05th 2013 06:00:11 PM
g: 0 Posted By: whodini
Views: 0 Replies: 0 My relative in the Atlanta area is trying to sell a house. The title search returns a $15k judgment lien from 1998 from a collection agency that is now out of business. He had no idea the lien ever existed. The judgment lien appears to be a "General Execution Docket" type claim (not sure what that means). The plaintiff on the lawsuit was listed as Citibank. My relative has no Citibank account, though he is listed as an authorized user on one Citibank credit card with his wife, which he hardly uses. He called the 1-800 on his Citibank card, and they were able to verify he has no balance whatsoever.

The lien is a mistake. Perhaps the deadbeat has the same name. Regardless, he wants to get rid of this lien as quickly as he can, so he can close on the sale. The state is Georgia. Anything he can do to remove the erroneous lien quickly?
using "tenancy at will" to push tenants around
Added on : Tuesday November 05th 2013 10:00:07 AM
g: 0 Posted By: Gauss44
Views: 216 Replies: 6 So, I live in Boston and have noticed an interesting situation. A friend of mine rents from a company that only allows tenancy at will after the first year (no leases). The rental company primarily rents to students and poor people (who can't afford high rent), and generally has very reasonably priced rental apartments in good neighborhoods.

But here's the deal, a bunch of people (my friend and his neighbors) complain that the rental company and landlord use the lack of protections associated with "tenancy at will" to do whatever they want without notifying tenants. If a tenant complains, they can move, it's been said. Tenants say, management/landlorddoesn't provide any notice when they want to enter the apartment or do construction on adjacent units. They complain that maintenance, exterminators, etc. just barge right in to their apartments unannounced. I was over at my friends house a couple days ago and we were interrupted by a very loud construction noise (possibly sawing through brick or metal) that left my ears physically hurting for a couple hours. No one had notified the tenant of construction and this took us by surprise. I was told that this rental company threatens to evict or raise the rent on anyone that complains. So, I guess management can do whatever they want?

While it would seem logical to just move in that sort of a situation, the problem is that some people can't afford to live elsewhere right away. Rental prices are very high. There's a long waiting list for, I believe all types of, low-income housing. In this city, many people can't or don't drive which would make the suburbs a difficult place to live. Plus people can get busy with classes or projects at work and might not be able to just take time off to move immediately either. (Sure people can move but not right away.)

From a landlord's pov, this might be a great place to make money if you don't mind pushing around tenants. On that note, this could also make an interesting discussion about how landlords could save money by limiting tenants rights. Does anyone have any tips for a tenant who wants tor remain in these cheap dwellings but also wants to reduce some of the intrusions (noise and barging in)?
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Looking for advice on buying a Kia Sorento
Added on : Tuesday November 05th 2013 06:00:12 AM
g: 0 Posted By: pwdbyamd
Views: 204 Replies: 8 I want to buy a Kia Sorento for my wife. I thought it would be a good idea to buy a 2013 model to save some money (assuming that dealerships want to get rid of old stock), but apparently Kia released the 2014 model early and so all of the 2013 models are gone in my area. I did find a 2013 Kia Sorento that is a RENTAL for the dealership in black (the color she wants) with leather seats (also highly wanted) and AWD. I believe it is an SX model, but it's not really clear what that means or what options are included. It has 16,000 miles right now. I think that getting a rental is great because I get the best of both worlds: a relatively new car that would have some guarantee that there haven't been any accidents, but yet I could ask for a huge discount because of the depreciation of value based on the mileage and use. I can't really afford a new 2014 with AWD and leather seats in a 2014 model.

Note: This is not a thread about the benefits or disadvantages of the car itself...this is what my wife wants so let's just stick to it.

I have some questions for the finance gurus in here.

(1) The dealer quoted me $32,999 over the phone. That sounds pretty high. I want a killer deal. What should I ask for? I really want to be in the $27,000 ballpark. Is that unreasonable? Can someone give me some ammo/arguments to help me negotiate this right?

base price may be $34,200??
http://www.autoweek.com/article/20130406/CARREVIEWS/130409931

Note: I am going to the dealership in about an hour, so not a lot of time. Sorry, but I just spoke to the dealership 30 minutes ago. I will be checking this thread for updates throughout the next 2 hours.

(2) Is a soft pull on my credit going to affect my ability to get financing. My credit score is about a 680-690. The dealership wants to do a soft pull to gauge what kind of financing they think I can get with them. I bought out my Honda Civic lease through PenFed at 1.5% financing last year and would love to do the same here, so I don't want the dealership to ruin a possibility like that by doing a soft pull. Then again, I haven't checked to see if PenFed has 1.5% or not.

(3) I assume that since it is used (rental), there may be some small scratches/dings. Is there a rule of thumb that I could use in terms of estimating depreciation based on each scratch/ding?

Personal Finance Deals
DDM Tuning HID kits $29.99 (35W) and $39.99 (55W)
Added on : Monday November 04th 2013 04:00:02 PM
g: 0 Posted By: Toadster
Views: 62 Replies: 0 http://www.ddmtuning.com/Product-Categories/HID-Kits-and-Components

$7.50 off until 11/30/13
All High Low Kits $7.50 off till 11.30.13 55W DDM Kits AreMailOrder Only

Just installed a set on my son's vehicle - really are plug-n-play; and SO much brighter than the halogen bulbs!!
Features Description
DDM HID (Also known as Xenon) headlight conversion kits significantly improve your visibility


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If you're anything like us at DDM Tuning, you're probably looking for that next thing to add to your vehicle to give it a different, but classy touch. That's one of the reasons you're looking at our HID kits! Our high quality HID kits are perfect for anyone that wants to make their ride look up to date, as well as improve night visibility. It's a great option for anyone car, truck or SUV that didn't come with the bright white / blue headlights from the factory. You've seen those bright headlights on any current style BMW, Lexus or Audi passing by, and you've always wanted them; you just can't justify the huge dealership pricing. This is why DDM Tuning set out to create a top-quality HID conversion kit at an extremely affordable price. This kit will make you stand out and turn heads.
DDM Tuning's HID kits are made with the highest quality material, unmatched craftsmanship and top quality assurance. Every HID kit has been put through extensive testing to ensure quality. Our High / Low HID kits come with a fused relay harness and controller that regulates the High / Low beam feature. With these HIDs your vehicle will look up to date, similar to that of current model BMWs, Lexus and Audi.
Best of all, our HID kits are three times brighter than your factory headlights, which will improve the safety of you and other motorists sharing the road. Not to mention, they look much better than the factory halogen head light bulb which projects a dull yellow hue. All DDM HID kits come with our Lifetime Warranty!

Tools & Automotive Deals
g: 0 Posted By: remick
Views: 3 Replies: 0 http://www.amazon.com/Good-Those-Trying-Harder-ebook/dp/B006T4YX...

Review
"Alan Kraft has charted a roadmap that points, in very clear and practical ways, a pathway of hope and help for Christians who are tired of stumbling and fumbling--tired of the treadmill of weariness with efforts that end in discouragement and defeat. If you want to understand how the joyous and dynamic life of a true disciple of Jesus can be experienced, here's the handbook. -- Dr. Jack W. Hayford, president, International Foursquare Churches, chancellor, The King's College and Seminary, and founding pastor of The Church On The Way

"For those of us who find ourselves cranky, sour, angry, or cynical while trying to do God's work, Alan Kraft eases our burden. Instead of trying to please God, Alan leads us to trust God. And delight in Him. This is a freeing book that redefines what it means to live by faith. Just what I needed." -- Marshall Shelley, editor, Leadership Journal and vice president, Christianity Today International

"God has a way of bringing us to the end of our resources in order that we may discover His. Sadly, many resist this brokenness, but it is the key to the victorious and what God intended to be the `normal' Christian life, which is `Christ in you the hope of glory.' Alan has discovered what it means to let the life of Christ live through him and to let it happen rather than struggle to make it happen. I highly recommend this book for every Christian pilgrim who wants to live a liberated, righteous and fruitful life by faith in the power of the Holy Spirit." -- Dr. Neil T. Anderson, founder and president of Freedom in Christ Ministries

"God speaks through Alan Kraft, and his book made my "must read" list. This message is for every Christian, but especially for pastors and ministry leaders who sometimes serve out of their own efforts instead of relying on God's Spirit. This book brought me to tears more than once. Read it and let God refresh your faith." -- Alan Nelson, executive editor Rev! Magazine and author of Me To We

"Good timing, Alan! This book has come into my hands precisely at a time when I am being made painfully aware that my own zeal and determination are insufficient to touch Kingdom fullness. Once again I am throwing myself upon the mercy of a God who is committed to working in us according to HIS zeal and determination (Phil. 2:13). And that's what this book is about--celebrating the power of God to do in us what we cannot do for ourselves. Alan's unfolding insights will skillfully guide you into a fresh discovery of the true freedom of the Gospel." -- Bob Sorge, author of Secrets Of The Secret Place

"In a very honest and compelling way, Alan Kraft shows us why believers still need the gospel every day. When Trying Harder Doesn't Work should help many people get off the performance treadmill in their relationship with God. I highly recommend it." -- Dr. Jerry Bridges, author of The Pursuit of Holiness

"Many who once took their faith seriously are either considering (or are currently) walking away from the church. Alan Kraft's gospel-clarifying and faith-restoring book addresses the core issue for this exodus and shows the path back to authentic faith. I love Alan's heart and honesty. Read, understand, and apply the truth in these pages. If you do it will change everything." -- Dan Webster, founder, Authentic Leadership, Inc.

The most readable, realistic and biblically "right-on" discussion of spiritual formation I've read in a long time. Try hard and you'll feel tired or proud. Get real and you'll trust Christ as never before. I felt a weight lift as I read it. You will too. -- Dr. Larry Crabb, speaker, founder of NewWay Ministries, and author of Shattered Dreams and The Pressure's Off

About the Author
Alan Kraft is the lead pastor of Christ Community Evangelical Free Church in Greeley, Colorado. He graduated with honors from Trinity Evangelical Divinity School. Alan and his wife, Raylene, have four children.
Getting paid "off the books" dilemma (I don't want to be)!
Added on : Sunday November 03rd 2013 05:00:10 AM
g: 0 Posted By: MisterEd
Views: 1 Replies: 0 I am retired and am working part time basically just to keep busy. I am also collecting social security but, due to my age, I can earn as much as I want without it reducing my SS so that isnt an issue for me. I came across a job last Jan at a local business (a national franchise whose owner has just 1 store) where I can and do literally walk to work. The hours are good, the job is relatively easy and I enjoy working there.The dilemma is this. The owner refuses to pay me properly. He only wants to pay me under the counter and by check. I have been fighting him with this over the 10 months I have been working there. I WANT TO show this income and be paid properly. I have wrangled about 5 months on the books payments out of him but his other 2 employees (kids in their 20s) have never been paid properly and dont care (not my problem). Going forward in 2014 he refuses to pay me properly.I dont want to quit. Its just too convenient. My question is: Am ** I** protected from IRS issues if I simply report all the income (he pays me by check!!!) in January as misc income? I dont care what happens to him for improper payroll procedures, just me. I do have a federal EIN number from a part time business I had and I could even report it as income for that business. I dont really make enough there to even have to report estimated taxes but I do anyway.My concern is the legal (IRS, STATE) issues I may create FOR MYSELF working there. Am I safe if I simply report everything I get paid from him? Since the dummy pays me by check (that is his cash) if he gets audited HES screwed. I just don't want to give up the convenience of this.
Need advice on renting out my primary home
Added on : Friday November 01st 2013 08:00:10 AM
g: 0 Posted By: nasheedb
Views: 184 Replies: 6 I'm the guy who is moving to Switzerland (http://www.fullofdeals.com/forums/finance/1300987). I am looking for some advice on renting out my primary home. Here are the details:

-Purchased the house in August of 2009 for $165,000 and I received the $8,000 credit, essentially bringing my purchase price down to $157,000
-Current value of the house is around $200,000
-It is in a cookie cutter neighborhood, and it is among the largest and most expensive in the neighborhood.
-I have a HEL at 3.99% fixed, 83 months left on the loan. Current balance $87,xxx

Monthly expenses (current):
$1214 - HEL payment
$424 - property tax (pay in full at the end of the year, this is the yearly cost /12. It will also be higher next year due to no longer being owner occupied)
$96 - insurance (pay in full, yearly cost /12)
$54 - HOA (pay in full, yearly cost /12)
Total: $1788

Property management fee will be 7% on top of this. I would need to charge at least $1925/month for rent just to break-even from a cashflow perspective, and that's before I take maintenance/repairs and vacancies into consideration.

I've had a realtor from the property management company advertise the house on MLS for $2000/month for the past 4 weeks. I've had 3 showings so far, which the realtor says is very low. When we set the $2000/month price, the realtor did a market analysis and said that price was fine. A week ago, a house that's very close to mine came on the market for rent at $1800 a month. My house is a little nicer on the inside, I have tons of landscaping work, I allow for pets on a case-by-case basis, I'm including all appliances, so I am adding a little bit of value compared to the other house, but probably not much. The realtor wants me to drop the price to $1800 a month. That would leave me in a pretty bad position from a cashflow perspective. I really don't want to go this low.

I'd like to try adding a bonus for the renter's realtor. Normally they get half a month's rent as commission. What if I were to increase this by say $500? That's 50% more than what they would get normally. Is this worth a try? Any advice is appreciated. I have to move by the end of December, but the sooner I move, the better.

I've also tried advertising the house on Craigslist for $1800 a month, but I haven't had any interest. A refinance is basically not an option, I don't want to deal with the headache of refinancing when I'm moving.
Personal Finance Deals
Hamilton Beach Breakfast Sandwich Maker $29.99 + fs @pcrichard.com
Added on : Tuesday October 29th 2013 04:00:04 PM
g: 0 Posted By: afreind
Views: 48 Replies: 0 http://www.pcrichard.com/Hamilton-Beach/Hamilton-Beach-Breakfast...

They say breakfast is the most important meal of the day. Unfortunately, mornings are hectic for most people, especially families with children. So how do you cope with hunger pangs at breakfast time? If youre like most people, you have to rush through the meal, gobble down whatevers handy in the kitchen, or grab a quick, on-the-go bite.

Thats where the Breakfast Sandwich Maker by Hamilton Beach comes to the rescue. Its all about making a fresh breakfast sandwich you can grab and go. Just choose your bread and layer on the fixings: egg, cheese, precooked meat, or the ingredients of your choice. In five minutes or less, your perfectly assembled breakfast sandwich is ready to eat. You can customize your breakfast sandwich with a practically endless variety of fresh ingredients. Now you know why everyone who loves breakfast sandwiches wants this product in their kitchen!

Dont let another morning go by without the Breakfast Sandwich Maker by Hamilton Beach. It lets you enjoy a homemade breakfast sandwich, made your way, in the comfort of your own kitchen. Cleanup is easy because all removable parts go in the dishwasher.
Appliance Deals

PC Richard & Son Coupons
Need travel tip for Hawaii - traveling solo
Added on : Thursday October 24th 2013 06:00:07 PM
g: 0 Posted By: Free1As1A1Bird
Views: 20 Replies: 0 Dear FW friends,
My college student son wants to visit Hawaii. He can afford the plane ticket and a few hundred dollars pocket money at the most. Do you have any tips or advise for him?
He was saying that he could stay at the YMCA. Have any one ofyou stayed at the Y in any of the Hawaiin islands? Any tips?
I saw on TV that thousands camp out at the beaches in Hawaii, but, I cannot allow my own kid to do that. What is the cheapest way to visit Hawaii and still stay safe?
Hawaii Deals
Lior Vanilla Halva Loaf $8.44 or $7.10 shipped with S&S or Prime
Added on : Wednesday October 23rd 2013 04:00:04 AM
g: 0 Posted By: Ank329
Views: 134 Replies: 0 Amazon has the Lior Vanilla Halva Loaf for $8.44 withSubscribeand Save, you can get it down to $7.10 if you have Amazon Mom.

This was 2x the price last month, so looks like a great deal for anyone that wants it. It's a product of Israel.


Grocery Deals

Amazon Coupons
NJ business - sales tax audit for NY
Added on : Tuesday October 22nd 2013 09:00:11 AM
g: 0 Posted By: britestar
Views: 70 Replies: 0 I need the expertise of fellow FWers.

I own an e-commerce business based solely in NJ and received a letter from NY Tax office for an audit of NY sales tax.
As we're in NJ and has no physical presence in NY, we are not obligated to collect sales tax in NY (apparently, that's not the case?)
I contacted the audit officer and was told that somebody has reported to NY state that we do installation in NY when we deliver the products.
We are a dropshipper and use 3rd party companies for shipping and installation (if customer requests).
Now NY state wants to see how much business we do to NY and they want to evaluate and see if they can establish Nexus and if we are liable for sales tax since 9/1/2007 (if we are, then I don't know how we will come up with the money).
We don't use any affiliates that is based in NY as well.
Is there a certain amount or # of transactions that they can use to establish Nexus? or is there a catch that I should take extra precautions of?

Thanks in advance!

Tax Deals
$88k left in student loan debt - am I on the right path?
Added on : Tuesday October 22nd 2013 03:00:06 AM
g: 0 Posted By: Killy215
Views: 122 Replies: 4 Hi there! I am new to the forums and have been reading over other posters financial woes when it comes to their student loan debt. For the last 2 years, I have been working to get myself out of all of my debt. This is going to be long, but I want to give the whole picture! A little bit of background:

3 years ago, I moved from Jersey to Maryland to take a new job, paying a decent amount over what I was making. To be immediately frugal, I moved to a much cheaper town about 30-40 minutes away from my job with my partner. When we first moved, my partner didnt have a job so I paid the bulk of the expenses, while she paid for a small part. She ended up going to school and getting her CDL, and within a year got a job. So for our first year in the house, I wasnt able to put much extra towards any of my debt. Once my partner got the job, we worked out an agreement where she took on my portion of the rent for a year, and I got to work attacking my credit card debt, which was about $15,000. I began paying it off in January of 2012 and finished in March of 2013. Im really proud of myself for this.

Now I know its time to work on my student loan debt, which is just an enormous, crushing weight on my shoulders. I know I can pay it off much sooner than the payments have me set to do, so thats what Im going to try to do. I got a B.A. degree in Psychology that I dont even use, but it did help get me the job Im in today. When I graduated college in 2007, I had $98,000 in student loan debt, and I went to a public school. I made poor choices, taking out more money than school cost so that I could live/pay rent/groceries, etc. Also, it took me 7 years to finish instead of 4 for about 65% of that time I was working full time and going part time. I wish I understood the consequences of what I was doing more, or that someone was there to guide me a bit more/answer my questions, but unfortunately, that is not the case. I take full responsibility for the loans and taking them out, and it has certainly given me a great lesson in all of this. Bottom line is, I have this debt now and Ive got to get it out of here. My student loans are split between federal and private. Ive been paying on the loans for 5 years, since 2008. The balances Im giving you are what is current. Heres the breakdown:

Private: $55,247.13 at 6.2735% (These are multiple loans that have been consolidated into one). Their minimum payment per month is $406 over 30 years. Federal: Total is $33,293.38, breakdown below. 1. Consolidation Loan: Subsidized = $5,330.42 at 2.875% / Unsubsidized = $12,426.18 at 2.875% 2. Stafford Loans: Subsidized = $3,862.02 at 6.8% / Unsubsidized = $5,143.56 at 2.35% / Unsubsidized = $6,531.20 at 6.8%The federal loans are currently in deferment because Im going to graduate school (employer-paid), but I AM paying the accrued interest. I need to get rid of these loans, and I know I need to work on the private loan first. Here are is my total amount of monthly expenses, which I have in a budget spreadsheet and keep track of throughout every month:

Rent: $425/month (split, per person)
Car payment: $396 + $102 extra for principal (paying $500/mth so that I can have the car paid off in 3 more years, shaving 2 years off of the initial term). Interest is 1.9%.
Car insurance: $530 per year I make 1-3 bulk payments in December/January.
Cell phone: $77
Gas/Heat (home): $86
Gas (car): $240
Life insurance: $20
Water/sewer/trash: $60
Netflix: $7.99
Misc: $150
Private student loan: $455.03 (I put an extra $50 each month towards the principle, Ive been doing this for about 2 years)
Federal loans interest: $260
Savings account: $100
League dues (roller derby): $35

I bring home around $3,170 per month, which leaves me around $873 per month extra. I also put 3% towards my 401k, where my company matches 50% up to 6%. (Next year, my healthcare is going up about $30 per month, so thats a factor as well). I would like to commit to putting an extra $800 on my private student loan each month. My partner and I live a pretty frugal, simple life, so I do believe this is possible, save for any weird expenses that may come up (i.e., our renters insurance or my AAA membership, which I never take into consideration for monthly expenses).

Ive already started looking for a second job, which means I would have to quit playing roller derby (I cant do 2 jobs, plus grad school, plus derby). This disappoints me because its definitely a great outlet and a way for me to keep up my spirits and exercise, but I know a second job would really help chip away at this money. Next, I received a balance transfer offer for my credit cards at 0% for 12 months with a 2% fee. So last week, I took $8,000 from this offer and paid it towards my $55,000 private loan. I can get the $8,000 paid off in a year with payments of $666 per month towards the credit card. Then Ill take another $150 every month and add it to the student loan payments with my $455. After the $8k is paid off, I hope to use another offer of 0% and do it again.

Does this sound like a reasonable plan? We dont have a lot of extras, and the ones we used to have have been cut when I started paying off my credit cards (i.e., cable). I recently looked into leaving my cell phone company, AT&T, as T-Mobile can get me a similar plan for about $20 less per month, however my cancellation fee of $260 does not make it worth it at this time. Maybe there is something Im missing with the cell phone situation that someone can give me information on. Also, Ive went through my house and pretty much sold all of my extra things on eBay and Craigslist. I have 1 or 2 other things that I might be able to get rid of. Otherwise, I take my breakfast and lunch to work every day except on Friday, where I splurge on an $8 lunch each week. This $32 is part of my $150 misc expenses.

Also, if you were me, where would you put any extra money you received (i.e., tax refund)? A part of me wants to put it on my car so I can get that paid off quicker (and thus freeing up $500 per month), but I also know it makes more sense to put it on the higher interest loan. Thoughts?

Ive really changed my outlook on money over the last few years, and Im trying to get to a better place. There are things I want to buy (like a house!) that I know I just cannot because I cant afford it. Id like to have kids, but they are going to have to wait because I cannot afford them at this time. I feel lucky to have landed such a good job and be in a place in my life where Im able to make this plan and actually execute it. Id really appreciate any insight, especially on things that Ive missed or could do better.

Thanks for listening.
New User Question Deals
g: 0 Posted By: remick
Views: 51 Replies: 0 http://www.amazon.com/dp/B00DI9SVQK

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Work any room and become a truly unforgettable networker
Write crisp, focused, highly-effective reports, emails, memos, and business plans
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Deepen and strengthen your relationships with every client, customer, and investor
Jam-packed with examples drawing on thousands of years of storytelling, literature, and experience

Indispensable for everyone who wants to win!
Books Deals

Amazon Coupons
College: Is there a reason to NOT get a computer science degree?
Added on : Sunday October 20th 2013 10:00:07 AM
g: 0 Posted By: JacksonX
Views: 126 Replies: 6 I'm considering the changing role in college, and what to counsel my own children;

It seems that just about every single job out there either requires or would appreciate advanced computer skills, pretty much regardless of the field.
It also seems like Computer Science/Computer Engineering is one of the most difficult and strenuous majors out there.
I was a chemistry major at an engineering school in the 1990's, and took some CS courses to "test the waters", and they were by far another level of difficulty.

My question is; is there a reason NOT to major in CS/CE (other than rigor)? Unless someone wants a specific career in, say, chemical engineering, it seems like all fields might respect this course of study.

For instance, someone who wants to go into finance; I'd imagine many companies would think someone with a CS (or maybe math?) degree have the ability to think and mine data appropriately, possibly more than someone with an economics degree.

Plenty of people get liberal arts degrees and end up going into some sort of field which utilizes computers, such as IT; why not just cut out the middle-man?

If you KNOW that you want to be a medieval historian at Harvard, that's a good reason to get a degree in such a subject; otherwise, should we be guiding pretty much everyone who insists on going to college to get a degree in CS/CE?
Personal Finance Deals
Cabelas Catch All Camo Bag, Pink or Standard $12.49 + S&H + 2% CB
Added on : Sunday October 20th 2013 09:00:03 AM
g: 1 Posted By: rjchase
Views: 77 Replies: 0 These are perfect for the tough girl that wants to support breast cancer month. Or the real man that supports women!

http://www.cabelas.com/product/Home/Web-Exclusive-Specials|/pc/105625080/c/436751280/Cabelas-Catch-All-Camo-Gear-Bag/753422.uts?destination=%2Fbrowse.cmd%3FcategoryId%3D436751280%26WTz_l%3DRightRail&WTz_l=RightRail%3Bcat436751280
Camping Deals
Car Dealer wants LoJack back. Any reason not to?
Added on : Friday October 18th 2013 05:00:06 AM
g: 0 Posted By: agielchinsky
Views: 203 Replies: 5 I recently bought a Toyota Sienna LE and did not pay for the Lojack option. The dealer called and asked me to bring the car back so they could remove the Lojack. Is there any reason not to? Is this something that comes standard or is usually an add on?

Thanks
Personal Finance Deals
Preliminary media scout, A good business idea?
Added on : Thursday October 17th 2013 11:00:08 AM
g: 0 Posted By: mastroadam
Views: 85 Replies: 7 My idea is to start a market place for travelers andreal estate investors to meet average joe's located in an area of interest.The buyers (travelers andreal estate investors)set a price for a task, video or picture of property of interest or vacation spots that would be inconvenient to travel for preliminary research.

Example: Mike wants to take his family on vacation to a bed and breakfast in Maine. He finds some reviews online but who knows who wrote them. He pays Kathy who lives in the general area of the B&B to take a current picture of the building and surrounding area.

Does this sound like a good business idea?
General Economics Deals
g: 0 Posted By: remick
Views: 135 Replies: 0 http://www.amazon.com/Reluctant-Prophet-Novel-ebook/dp/B006T4Z3H6/

4.8 out of 5 stars with 81 reviews

At age forty-two, Allison Chamberlain is still making a half-hearted attempt to figure out what she wants to be when she grows up. Although she has been a pew-sitting member of a church for seven years, prophet has never been on the short list of possible careers.
Then one Sunday Allison senses a divine nudge to buy a Harley motorcycle and go wherever it takes her. Soon she is wondering if she is called to present the reality of Christ to one of societys darkest cornersand challenge her own church to look beyond their fears.
The first in a brave trilogy from seasoned author Nancy Rue, The Reluctant Prophet shows how one persons response to Gods call can change a community forever.
Books Deals

Amazon Coupons
Dominicks (Safeway) Chain to Leave Chicagoland
Added on : Monday October 14th 2013 05:00:10 AM
g: 0 Posted By: yoregano
Views: 80 Replies: 0 Those that live in the Chicago area probably already know this, and those that live elsewhere probably don't care, but Dominicks is moving out of the area and all stores will either be sold to whoever wants them or will be shuttered by early next year.

http://articles.chicagotribune.com/2013-10-13/news/ct-met-domini...

Savvygrocery shoppers know that very good deals are possible through the J4U program, and that no other area chain offers a comparable system. This is a sad situation for grocery bargain shoppers like me.
Discussion Deals
MSI R9 290 4GD5. $9,999 +SH @newegg
Added on : Thursday October 10th 2013 11:00:03 AM
g: 0 Posted By: BloodKil
Views: 0 Replies: 0 Anyone wanna buy me one?

http://www.newegg.com/Product/Product.aspx?Item=N82E16814127758


While the above deal may not seem so good, I'm willing to shave 2k off the price for anyone that wants to pre order one through me. :wink:

Has anyone had success with Real Estate Master Lease Option?
Added on : Monday October 07th 2013 07:00:18 AM
g: 0 Posted By: partizanka
Views: 327 Replies: 3 I know that not everyone wants to share the details, but any success with Master Lease Option anyone? Just a simple "yes it worked for me" or "no it didn't" would suffice.

TIA!
Question Deals
Has anyone had success with Mater Lease Option?
Added on : Monday October 07th 2013 02:00:07 AM
g: 0 Posted By: partizanka
Views: 59 Replies: 0 I know that not everyone wants to share the details, but any success with Master Lease Option anyone? Just a simple "yes it worked for me" or "no it didn't" would suffice.

TIA!
Question Deals
Loan to Liquor/Beer store
Added on : Thursday October 03rd 2013 04:00:11 AM
g: 0 Posted By: zimma13
Views: 211 Replies: 9 I know someone who owns 2 liquor/beer stores outright and 50% of a third store (no loans, mostly cash business). He is buying a 4th store. I can loan him $20,000 at 25% for 1 year secured by one of the existing stores (not the new one). Written up in a contract and paid in cash each month (no taxes). If we mutually agree, the loan can keep rolling in yearly increments. He lives in my neighborhood. I sometimes get free beer already.

1. Would you do it?
2. Anything I should look out for to include in the contract to protect myself?
3. He only wants a loan, not for me to own a % of the store. Note I will do nothing but lend the money. He is the one that does all the work.

The alternative is that I buy a rental property which won't have as good of a cash return (once rented)but is secured by real estate andI hope the value increases. This is in Florida so $20k can nearly be 20% down on a house.

Personal Finance Deals
Occupy Debit Card
Added on : Wednesday October 02nd 2013 04:00:04 PM
g: 0 Posted By: debentureboy
Views: 242 Replies: 0 http://www.occupycooperative.com/the_occupy_card

Here's your chance at fame / infamy. The "Occupy" group (or at least someone who wants to exploit the name) is in the process of starting a debit card.

$1.95 for A.T.M. withdrawals and 99 cents for balance inquiries. No income requirements. DD is free. Swipe reload at Wally World $3.74 like others. 1%/4% fee for loading checks. $2.80 load from CC or debit (only 1 per year!). Free PIN and signature transactions (6 / 8 per month). DD or MoneyPak loading to get 15,000 OMC (Oh My Chagrin) points in order to avoid 99 cent monthly fee.

They are taking donations to get them going (NOT tax deductible)! I'm surprised they haven't posted on FWF yet, as this would be a GREAT place to scour up some supporters. Athletic supporters, that is.

They are aligned with Visa to provide access. It is a coop as far as membership goes.

Stick with the evil empire of AMEX and their attempt at repopulating the wonderful insect eating avian of cyan and crimson. Or, you could also join with Netspend and sacrifice yourself to a 5% savings account associated with your card.



Deal Deals
Jacob A60 CREE XR-E 3-Mode Thrower Flashlight $12.99 Shipped
Added on : Monday September 30th 2013 05:00:02 AM
g: 0 Posted By: purchaseacct
Views: 0 Replies: 0 http://www.aurabuy.com/jacob-a60-cree-q5-3-mode-310lm-white-led-flashlight-torch-w-strap-black-1-18650.html

So you may be asking why do I want to spend $13 for a CREE Q5 when there are other alternatives floating around for half the price?
This is a long-distance thrower, suitable for those who wants to see something far out there. It has specially designed reflector combined with the LED type and lens which make it serves its purpose. Read the in-depth review below with comparison with a couple other flashlight to determine if it's suitable for your need

In-depth review: http://budgetlightforum.com/node/19706

g: 0 Posted By: Ayla
Views: 310 Replies: 0 .
http://www.sears.com/little-house-on-the-prairie-the-complete-te...


Price: $61.99

Shipping: $16.00

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


THE NEXT PRICE UP IS:
~~~~~~~~~~~~~~~~~~~~~

http://www.ebay.com/itm/Little-House-on-the-Prairie-The-Complete...

Price: $76.99

Shipping: $2.98

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


AND THE NEXT:
~~~~~~~~~~~~~

http://www.valorebooks.com/movies/little-house-on-the-prairie-th...


Price: $86.00

Shipping: ? - I couldn't find out

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


And:
~~~~

http://www.amazon.com/dp/B005F96UP0?tag=coupon101-20

Price: $110.98



LAST I COULD FIND:
~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

http://www.memorylanedvd.com/product.php?productid=3497724&catid...


Price: $99.95

Shipping: $14.95



55-Disc Set

Follow The Ingalls from The Big Woods to Walnut Grove and beyond. This is the entire series of DVD's spanning all 9 seasons on 60 DVDs



Original Prices Range From $149.99 - $349.99 - Depending on which edition you get.


I hope that everyone that wants one, will get them at a decent price. But that's the best prices I can find right now.



DVD Deals

Sears Coupons
Builder wants additonal monies for landscaping
Added on : Wednesday September 25th 2013 11:00:09 AM
g: 0 Posted By: joeH1974
Views: 1 Replies: 0 My wife and I have entered into contract for new construction. The forms were laid yesterday, and the home is slated to be completed around mid-January.

The home is in a gated community, and the land parcels are quite large (1.28 acres for ours). On the original price breakdown, the builder quoted $4k for the front yard landscaping work. We agreed to the construction price, and signed off on the contract. The builder did as well. When we received the plans, we didn't like the placement of the home on the land, and asked that the front of the home be rotated around 10 degrees further to the south. The builder agreed, and we signed off on the plans.

Today I received an e-mail from the builder stating that the neighborhood architectural review committee requires that not only the front yard landscaping be completed prior to moving in, but side landscaping must be completed as well. This comprises around 10,000 sq feet of land between the street and the rock wall enclosing our yard. The builder is stating that they will eat the additional cost of landscaping for the front of the yard due to the home rotation, but that I need to advise them how I want to pay for the additional $8,000 in landscaping expenses for the side. (Change order, out of pocket, hire own landscaper). Apparently they did not know of the proposed requirement until it was levied on them at another home in the community they just finished building. The other homeowner apparently paid for the additional cost without issue.

My question is: can the builder ask me to pay for the side yard landscaping after a contract has been signed agreeing on construction price? Isn't it the responsibility of the builder to understand the covenants prior to determining an agreed price? Or should this really be my responsibility, as when we signed the contract they hadn't heard from the committee yet on the other home and therefore couldn't have known about the additional landscaping needed. So far, we've had a good working relationship between us and the builder, but $8k is something we definitely weren't expecting.

Opinions?
Orage Jimmy Ski Pants - Boy's $79.95 + Free shipping
Added on : Sunday September 22nd 2013 05:00:03 AM
g: 0 Posted By: tedhawkins
Views: 57 Replies: 0 Orage Jimmy Ski Pants - Boy's $79.95 + Free shipping

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

The day at the mountain when he ended up with his pants around his ankles is guaranteed to be a horror stamp on any young mans life, but the Orage Boys Jimmy Pants and their handy dandy suspenders wont let that become a reality. Amped up with plenty of insulation, waterproofing, and breathability, these roomy pants are perfect for advancing the skills of the freeriders of the future. Sweet 3D pockets give him space to stash anything he deems necessary, leg vents cool things down on the toastier days, and the suspenders are removable just in case he wants to switch things up. Let him take things to the next level with the Orage Boys Jimmy Pants.
Clothing Deals
g: 0 Posted By: tedhawkins
Views: 0 Replies: 0 POPUSHI Ice Pop Molds - New Exclusive Bright 2013 Colors - Set of 4 with lifetime guarantee $4.80 FS with Prime

http://www.amazon.com/POPUSHI-Ice-Pop-Molds-Exclusive/dp/B00EC9X...

Use 40% OFF code B5Z7AMK6

Set of 4 finest silicone popsicle mold in our New Exclusive Bright 2013 Colors; Pumpkin Orange, Light Pink, Lime Green, Sunny Yellow. Fun colors will brighten up your day and are great to bring for the kids to use on a hot summer day.
Soft, durable, flexible and compact design allows you to save space in your freezer. Lids are tight so you'll never have to worry about spillage. Our conical shape mold is easy to use and you don't have to worry about cleaning up and making a mess. Don't waste your precious time making snacks ever again, with these molds you will save time and hard earned money.
You can fill up your 120ml pop mold with your own special nutritious healthy frozen fruity smoothies, yogurts, puree, and juices on the go. As a health conscious consumer who wants to make healthy portioned snacks, this is perfect size for you and your kids. Our products are dishwasher safe and easy to clean.
Popushi molds are made of 100% food grade silicone and have passed FDA, EEC and LFGB certifications. They are environmentally friendly and non-toxic and conform to international food grade standards making our molds completely safe for you and your whole family to use.
We stand behind our products 100%, and always striving to provide the best quality. Manufacturing facility have passed social compliance audit by Disney and McDonalds. You are protected by our money-back lifetime guarantee!
g: 0 Posted By: Ayla
Views: 2 Replies: 0 http://www.amazon.com/Chef-Buddy-Sandwich-Panini-Waffle/dp/B005T...


List Price: $69.99
Price: $26.98

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Price: $26.98


This 3-in-1 Sandwich Panini and Waffle Press is perfect for someone that wants quick hot meals fast. Breakfast, lunch or dinner, this press has you covered. Waffles in the morning, Panini sandwich for lunch, and pizza pockets for dinner.



Includes 3 Sets of Detachable Heating Plates
Plates Have an 8.5 X 5-inch Cooking Surface
Non-Stick Plate Surface for Easy Cleanup
Dual Heating Zones for Faster Cooking
Power On Indicator Light
Ready To Cook Indicator Light
Easy Open Cool Touch Handle with Lock
38 Inch Power Cord
Measures 9.25 inches wide x 3.25 inches high x 9 inches deep
Tom Woods Liberty Classroom $24 for 1 Year Subscription - 75% off
Added on : Saturday September 21st 2013 03:00:09 PM
g: 0 Posted By: cavepilot
Views: 24 Replies: 0 This a great deal for anyone who is a fan of Tom Woods or just wants to learn about history and economics.

1 yr subscription for $24 usually $99. Use coupon code "book".

Liberty Classroom

Jump on this quick, not sure how long Tom is going to offer this deal.
Magazines Deals
g: 0 Posted By: DiMAn0684
Views: 165 Replies: 0 Open eZ or Premier checking, set up direct deposit of $500 or more and get a GoPro Hero (White Edition) camera. Also, refer two friends and get a camera for yourself.

Details:
https://www.easternbank.com/gopro/

If someone wants to be my friend, PM me
Deal Deals
Fighting HOA Condo Assoc Rules Cant sell Cant Rent
Added on : Tuesday September 17th 2013 09:00:06 AM
g: 0 Posted By: gdrum
Views: 195 Replies: 5 We listed a condo for rent for 950 month. 2 bedroom 1300 sq ft, 1 car. The amount owed is 80, and the property is worth 80. Instead after realitor comissions, inspection repairs I figured its better to rent it and walk away with 300-400 a month in the green then lose 7-10k. I figured I might have some problem with HOA as they have a cap for rentals but never thought it would escalate more then a warning. 3 days after listing for lease on mibor we received a letter and email from the president of the HOA advising if we do not change the listing from lease to sell we would face legal issues. Below is a blip of what they forwarded me.We of course immediately changedthe listing to for sale. The community is on the FHAnon-approved communitys due to number of rentals so there goes a large percentage of my buying market.

I requested additional informationin regards to the rules below. What were the total number of properties? What does 20% mean? How many are currently rented? How long is the waiting list? What is the current HOA budget?Ihad no response with any information or communication. I was made aware there were 3 or 4 lawsuits filed at this current point with the HOA. We do not know if its hoa to owner or owner to hoa.

Questions. What legal action could they tie me too? I have had 4 or 5 requests to rent it in the last week. What could they do legally? If I went to court could I stand before the judge and explain I am just someone trying to pay my bills and have no other options? Maybe I need to wait to sell another month then go that route? Can I waste his time requesting certified mail/letters/legal just because I feel like thats what I should do at this point? What are your suggestions, ideas for moving forward with this situation?


=12ptHere is a copy of that section for your records. We appreciate your immediate compliance.=12ptFurther communications will be answered they Courtney. =12ptArticle XI
Leasing of Condominium Units and Maximum Number of Condominium Units Owned =12ptSection 11.01. Limits on the Number of Leased Condominium Units ("Rental Cap").In order to insure that the residents within Avon Village share the same proprietary interest in and respect of the Condominium Units and the Common Areas and to assist in Avon Village purchasers being able to obtain federally insured or backed mortgages, no more than twenty percent (20%) of the Condominium Units may be leased or rented to non-owner occupants at any given time, except as may be otherwise provided in this Article XI. The Condominium Units described in the next paragraph of this Section 11.01 shall count towards the twenty percent (20%) "cap". If at any time such percentage of Condominium Units are leased or rented, an Owner who wants to rent or lease his or her Condominium Unit which is not already rented shall be placed upon a waiting list by the Board of Directors. When an existing tenant moves out, the Owner of that Condominium Unit shall immediately notify the Board of Directors or Managing Agent of such fact and that Condominium Unit cannot be re-rented until all prior Owners on the waiting list, if any, have had a chance to rent their Condominium Units. Prior to the execution of any lease, and in addition to the requirements set forth below, the Owner must notify the Board of Directors or the Managing Agent as to that Owner's intent to lease his or her Condominium Unit. After receiving such notice, the Board of Directors or the Managing Agent shall advise the Owner if Condominium Units may be leased or whether the maximum number of Condominium Units within Avon Village is currently being leased. If the maximum number of Condominium Units is being leased, the Board of Directors or the Managing Agent shall also notify the Owner of that Owner's position on the waiting list.
Personal Finance Deals
Renting room from a friend (just on paper) so kid can go to a nice school
Added on : Saturday September 14th 2013 07:00:06 PM
g: 1 Posted By: mrNorway
Views: 64 Replies: 3 I'm new to the US, live in a small house in the middle of nowhere, 50 miles from a bigcity where I have to drive every day to work. I was happy with everything (quiet life, cheap house, a lot of land) before I've got married and our kid became 4 yo.
Now, my wife keeps drinking my blood that we need to move to one of the nicest parts of the big city so the kid can go to one of the highest rated schools located over there. Personally, I don't think our local schools are too bad, but I'm called a heartless man who wants our only child to become a redneck without any future. To save my marriage and $$$ I came up with a simple plan. What if I ask somebody at work who lives in one of those nice areas to rent me a room (closet, garage - whatever), just to have a letter from them that I actually live there with my child. So, I will get a proof of residency to send my kid to a nice top rated school (bring the kid on my way to work etc).
Is the plan doable? Is it too much hassle for somebody to rent me a room for $200/month just on paper? Do the schools actually check where kids live? Is it illegal?
Sorry if it sounds very stupid but we have zero knowledge about how the system works. Thank you!
Question Deals
Help evaluating multiple offers
Added on : Monday September 09th 2013 10:00:05 AM
g: 0 Posted By: RastaPasta
Views: 189 Replies: 5 Hi FW-

Usually I can get some good feedback from this forum so I wanted to present a few work scenarios I am contemplating right now. Ive been working in accounting/finance for approx. the last 10 years. Most of the work is specialized within one particular industry (entertainment). Im not a CPA, but I also do a little bookkeeping on the side for various people both in my industry and in others. One of my clients is interested in basically having me go full time. His business is more engineering oriented. So here are my options:

Current employer: $70K annual salary, decent health benefits, I contribute about $1200/yr towards cheapest HMO. They have a 401k with 6% match but I dont contribute, Im 32 and plan to work until I drop dead or become disabled. I get 10 days PTO, 1 personal day, and we get XMAS through new years off (which is industry standard although this place seems to have a big debate about it every year). We also get some other days off like a few Fridays during the summer. The work environment is pretty relaxed (no overtime, cool bosses in my dept) and I am good at my job and I am also the only person who does this job. I dont see a lot of room for growth though, as it is a very top heavy organization, although my boss recently said the CFO wants me to take on some new projects from another dept. In the past (at other employers) this usually means hey, here is a bunch of extra work because you are good at it and I hope you are happy with your current salary. I did get a $3k bonus last year, but we were recently purchased by a PE firm and they laid off a bunch of people so I think that is up in the air now. So I am approaching my 2 year anniversary here and still at the same base salary I was hired at. This is a $100M company. My commute is OK by standards in this city, at around 45-50 mins each way (in heavy traffic) although I am getting really tired of it lately.

New Opportunity:Small business, gross revenue around $1M. Ive known the owner for around 10 years and consider him a friend. Also some of my closest friends work for him for quite a while now. I also would have the opportunity to delve into the engineering side of his business and learn some new skills. Particularly if I took the initiative to learn some of the software packages they work with. The commute is 10 minutes. He mentioned Id probably get around 3 weeks PTO but I know he has no formal vacation policy and as long as business needs can support it, he gives time off liberally. He also makes a concerted effort to keep employees happy with lunches, etc and I have seen him give out some nice bonuses too at the end of the year. Because of the nature of the business, I think OT is required when they are very busy or get a job that falls in off hours. I would do more than just the books, and would probably assume an overall business administration / operations role, doing whatever needs to be done on that end and also possibly even helping out with some of their jobs when they get slammed. My main concern is that if the economy goes south and his business suffers, he may find it not possible to retain me, since my compensation is fairly high compared to others there. I know in 2008 they had some hard times and he kept everyone on, but asked that they take pay cuts until business picked back up. At the end of the year things were much better and he gave out good bonuses to compensate. Anyway I have these two options:

Salaried: $72K ($6k/mo), PPO health plan I am sure I would have to contribute maybe around $100/mo for.
Contractor: $78K ($6500/mo), no benefits.

Im pretty sure I am going to go over to the new place for the obvious reasons (more cash, better commute, less bureaucracy). I still like entertainment but it has lost its luster after 10 years and I feel like I am trapped in this niche and need some new skills. I am also leaning towards the contract position. I could use the extra cash flow to better manage some of my debt and expenses, write off business expenses including a small portion of my extremely high rent, and also attempt to pursue some more business management contract opportunities with other contacts I made over my 10 years in entertainment. Of course the downside is no health insurance in case ish hits the fan, no unemployment if I get laid off or other protections afforded salaried employees, and most of all double FICA. So what would you choose in my situation? Mostly interested to hear salary versus contract but I gave info on my current employer for those few who say dont do it. If you say that please tell me why. I usually talk these over with my dad since he has years of experience with both but my mom is in the hospital and I just dont want to go there since I can tell he is stressed enough.

Thanks - RP
Personal Finance Deals
Looking for New/Used/No car advice
Added on : Sunday September 08th 2013 03:00:08 AM
g: 0 Posted By: TheBeagle
Views: 55 Replies: 2 I have no idea if this belongs in FWF or not, I just need a place to get some intelligent feedback.

I currently drive a 2003 Durango. Bought new, been paid off for 6-7 years, runs fine (has a small emmission leak and uses a lot of oil). I guess I'm getting tired of it because I've been thinking about getting a new car/truck. A few years ago (07) I bought a used Vette, loved it, but with a 1 year old at the time, I didn't get to drive it much so I sold it. Wife has a paid off 08 CRV.

So here I am trying to decide between a 4 door truck and a 4 seat sports car. If I get a truck, the Durango gets traded in (for next to nothing). If I buy the sports car, I keep the Durango. We have a 3 car garage, but things are tight with 3 cars in there.

My heart wants the sports car, my head tells me the truck, and my wallet tells me to keep the Durango. Anyone been in a similar situation and are happy (or regret) what you did?
Personal Finance Deals
Samsonite Luggage Set - Five Piece Set $99.99 at Amazon
Added on : Sunday September 08th 2013 12:00:01 AM
g: 1 Posted By: Ayla
Views: 339 Replies: 0
List Price: $250.00 Price: $99.99 FREE Shipping You Save: $150.01 (60%)

http://www.amazon.com/Samsonite-Piece-Nested-Luggage-Black/dp/B0...

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And at: Luggage Pros:

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10 Year Limited
Weight - 27.2 lbs

Our Price: $299.00
Sale Price: $105.99


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26" Wheeled Upright: 26" x 18" x 10"(11.4 lbs)
22" Wheeled Carrry-on Upright: 22" x 14" x 9"(9.4 lbs)
Duffel Bag: 13" x 19" x 12.5"(3.2 lbs)
Boarding Tote: 11" x 14" x 10"(2.6 lbs)
Travel Kit: 7" x 11" x 5"(0.6 lbs) Constructed of 1200D polyester In-line skate wheels Recessed, locking telescoping handle that reaches 42 inches from the floor Add-a-Bag strap on uprights Exterior pockets for last-minute items Fully lined interiors Hold-down straps in uprights Zippered mesh pockets in lid of uprights This is a new, unused item. Luggage Pros is an authorized retailer of Samsonite. Questions? Call 800-595-5456 to speak to one of the pros! Or Chat Live now.


Luggage Deals

Amazon Coupons
Tenant requesting to pay with Credit Card Check
Added on : Tuesday September 03rd 2013 07:00:13 AM
g: 0 Posted By: snarferer
Views: 204 Replies: 7 Hello,
I have an income property and my very first tenant is coming over to sign the lease today. When I told him to bring the funds as a certified check, he asked if he could bring a Credit Card Check. This is his check for the 1st month/security deposit/etc. Now, all I know about credit card checks is that they're not financial instruments that I personally would use, but I was wondering about their verifiability.

Can I verify the amount written on the check is available?

This situation does seem a little sketchy. However, his credit score is above 800, and he makes at least 3x of what I wanted the minimum necessary income to be for this unit. His criminal background is 100% clear. He's a white collar worker and just going through a divorce/breakup kind of thing and he wants a 3 month lease and beyond the CC check issue is an ideal tenant. The unit is attached to my residence, and his clean appearance and calm demeanor definitely makes him an attractive tenant as well.
Be gentle on me, this is my first time posting to fat wallet and my first income property.
General Economics Deals
Free September Artists on the Rise mp3's from Amazon
Added on : Sunday September 01st 2013 05:00:16 AM
g: 0 Posted By: remick
Views: 88 Replies: 0 http://www.amazon.com/gp/feature.html/ref=amb_link_369570382_5?ie=UTF8&docId=1000655511&me=ATVPDKIKX0DER&pf_rd_m=ATVPDKIKX0DER&pf_rd_s=auto-sparkle&pf_rd_r=0W94M5VTVPBGZK37V1JR&pf_rd_t=301&pf_rd_

1. Drunken Hearts Wallpaper
2. Turbine - Barbarossa
3. Separations - Diarrhea Planet
4. Shaker - The Cosmonauts
5. The Hearse Wampire
6. Pieces - Andrew Belle
7. Raise the Sun Anciients
8. She Wants To Know - Half Moon Run
9. The World It Softly Lulls - Hiatus Kaiyote
10. Cruz Del Sur Rvsb
11. Mississippi The Griswolds
12. Workin' Woman Blues - Valerie June
Movies & Music Deals
VERY Expensive eye exam, no notice of OOP expenses
Added on : Wednesday August 28th 2013 09:00:13 AM
g: 0 Posted By: mortgageornot
Views: 0 Replies: 0 I remember reading a FW Finance thread this year where the eye doctor wouldn't give the patient their glasses rx and the thread started going into how doctors make very little on the eye exam and make a killing on contacts/glasses.
I can't find that thread now (anybody have a link?), but boy is my experience totally different!

I have VSP insurance. My copay for an eye exam is $5 and there is a $125 allowance combined allowance for a contact lens exam and contacts.

Last year I accidentally went to a non-member doctor so this year I went to VSP's website and found a member doctor with good Yelp reviews.

Last month I went in for my eye exam. The DR performed just about every test under the sun. I've been going to what I thought were sophisticated eye doctors for years, but this was something totally different.

DR took these super high res photos of my eyelid/lashes and said they were dirty/clogged up. DR hands me some lid scrub and a spray and tells me to use them twice daily until the follow-up exam a month later.

Also suggested I take Omega3 supplements for either the same issue or something else, I can't remember. And also provides suggestions on how to change diet for eye health.

During the contact lens exam DR says the contacts I've been wearing may be too tight and suggests a different brand and taking both RXs down by .25.

No mention during the entire exam of any out of pocket costs for what DR is doing.

At the end of the exam I'm expecting a $5 copay, but am presented with a bill for $86. This is made up of
$49 for "Digital Screening" (I think those high-res pics)
$15 for the lid scrub
$22 for the eye spray

DR bills VSP:
$214 New Patient Comprehensive exam
$89 for Refraction
$89 for the contact lens evaluation
(above is based on my receipt, I don't know what VSP actually paid DR and VSPs website isn't overly informative even though I can see the exam details there).

Receptionist says after the $89 CL eval I have $36 left of my $125 allowance that I can put towards contacts. DR quotes me $240 ($60 per box x 4) for a 1-year supply of the new contacts. I tell them I'm good for now, knowing I'll buy them myself online.

Ok, $86 out of pocket, no biggie. I move on with my life.

I buy the 1-year supply of the new contacts (4 boxes) from VisionDirect for $97 total, not including another $15 ($15%) I'll get back from ShopDiscover, so basically $20 a box...

Was expecting to submit the receipt to VSP to get that other $36 back, but apparently their website shows my $125 is now exhausted...maybe from some of the charges above?


A month goes by and I go in for my follow-up.

DR says lid scrub/spray seems to have done the trick, my lids are much better.Newer, looser contacts are working out much better and helped fix whatever they were intended to fix.

They dilate me.Again, DR does a bunch of different tests. Now there are apparently two small holes in each of my retinas, but apparently theyve healed themselves nicely. Still DR recommends I take a supplement called 4sight or something for eye health. Again talks about diet changes for eye health.

Again, no mention during the entire exam of any out of pocket costs for what DR is doing.

At the end of this exam I'm expecting to pay $0, but am presented with a bill for $335.

Receipt is broken out as follows:
$200 Existing Patient Intermediate Exam
$230 Fundus photography$240 Scanning opthal diag
$140 External ocular
-$475 Doctor discount (presumably for having VSP?)
So I hand over the credit card and am out another $335 out of pocket.


So I guess my question is: what just happened? Is this normal? Because I really feel like I've been ripped off.

I've been getting eye exams approx every other year for over a decade and can't remember ever paying more than $50-100 out of pocket. Come to think of it I don't ever remember going back for a follow-up. Did I develop some serious eye problems and now this is just the price I have to pay?

DR wants me to go in for another follow-up 2 months from now to keep an eye on the retinas or something else I can't remember.

But I don't want to drop another $300 for what is quickly becoming apparent to me is for no reason. Who knows what new tests I'll undergo next time.

Time to find a new doctor?
Free MP3 - She Wants to Move by N.E.R.D. @ Google Play
Added on : Wednesday August 28th 2013 05:00:11 AM
g: 0 Posted By: remick
Views: 241 Replies: 0 https://play.google.com/store/music/album?id=Baljbe7b4wmxi6b4gsmcbmz2gyu&tid=song-Trpedosnpymy5d3dky6bsq7xyhi
Totally Free Deals
Giveaway of the Day - SoftSkin Photo Makeup Pro 1.1
Added on : Monday August 26th 2013 05:00:09 AM
g: 0 Posted By: remick
Views: 221 Replies: 0 http://www.giveawayoftheday.com/softskin-photo-makeup-1-1/

Windows 2000/ XP/ 2003/ Vista/ 7

As a professional photographer or an average user who likes taking and editing pictures, you certainly know that one of the most difficult things is dealing with portraits. Everyone wants to have perfect skin, bright eyes and beautiful make up, but that is not always the case in real life. Adobe Photoshop is the most popular program for processing images, but theres a new easier way to do it!Let us introduce SoftSkin Photo Makeup a program by SoftOribts, an award winning software development company.With this tool, you can easily and efficiently:

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Limited time offer!SoftOrbits are willing to give each user a FULL official personal license (with future updates) for SoftSkin Photo Makeup for placing a link and a short review (even 10-15 words) anywhere on the web. This can be your home page, a site, forum, etc. Then send a message to support@softorbits.com with the address of the review page. The offer will be valid for 1 week only.
Totally Free Deals
Amazon FREE eBooks for Kindle (repost, edited link)
Added on : Tuesday August 20th 2013 09:00:15 AM
g: 0 Posted By: jaarons
Views: 62 Replies: 0 I found this on another Deal site, apologies for the formatting:


Free For Now Kindle Books - Posted on 8-20 with most expiration dates and genreOne, Two ... He is coming for you (Rebekka Franck #1) by Willow Rose
Ends 8/23
Genre Mysteries

http://www.amazon.com/One-coming-...B004WPP8YW

30 reviews, 4 of 5 stars

Publication Date: April 14, 2011
INTERNATIONAL BESTSELLER!

NEW EDITED VERSION.
Another serious page-turner from Scandinavian Mystery Fiction.
Once you start One, Two ... He is coming for you - there is absolutely no turning back.

Book Description:
Set in the Danish coastal town of Karrebaeksminde, journalist Rebekka Franck returns to her hometown with her six year old daughter. She is trying to escape her ex-husband and starting a new life for her and her daughter, when the small sleepy town experiences a murder. One of the kingdoms wealthiest men is brutally murdered in his summer residence in Karrebaeksminde. While Rebekka Franck and her punk photographer Sune try to cover the story for the local newspaper another murder happens on a high society rich man. Now Rebekka Franck realizes that the drowsy little kingdom of Denmark has gotten its first serial killer and soon a series of dark secrets - long buried but not forgotten - will see the day of light.
One, Two ... He is coming for you is the first book in Willow Rose's mystery-series about the reporter Rebekka Franck and her photographer Sune. The second book is called Three, Four ... Better lock your door.
This ebook also includes an excerpt from Willow Rose's newly released shortstory Rock-A-Bye Baby.











The Teacher's Billionaire (The Sherbrookes of Newport Book 1) by Christina Tetreault
Ends 8/20
Genre Romance

http://www.amazon.com/Teachers-Bi...B007M8VCCS

409 reviews, 4 of 5 stars

Publication Date: March 18, 2012
Callie Taylor's life is turned upside down when she learns the truth about her birth following the death of her mother. Not only is her father alive, but he's none other than presidential candidate Senator Warren Sherbrooke.

Billionaire and confirmed bachelor, Dylan Talbot, is devoted to his family. When his stepfather Warren Sherbrooke receives a letter from a past love telling him they have a daughter together, Dylan is instantly suspicious. In order to keep the media vultures away and protect Warren's political aspirations, Dylan convinces Warren to let him handle the situation.

As Callie and Dylan spend time together, they can't resist the feelings that blossom between them. However, when Callie learns the real reason he has been spending time with her their fledgling romance is put in jeopardy and only complete honesty can save it.

This is a Contemporary Romance.

AN EDITED VERSION OF THIS BOOK WAS UPLOADED. HOWEVER, IT IS POSSIBLE THAT SOME READERS PURCHASED THE BOOK PRIOR TO THAT EVENT.


Some of the authors favorite lines:

I'm not sure. Maybe that is how you Englishman say hello to your friends. I've never been to England, Callie teased as she moved her hands to his shoulders. I might need more convincing, she said her voice all business.

There's no place I'd rather stay especially if it means more of your apple cinnamon pancakes for breakfast. Preferably served to me in bed by you completely naked, but I'm flexible.

Sounds like a challenge to me. One I look forward to undertaking.









Chasing the Lost (The Green Beret Series) by Bob Mayer
Ends 8/24
Genre Thrillers

http://www.amazon.com/Chasing-Gre...B00CFADU3

37 reviews, 4.5 of 5 stars

Publication Date: April 18, 2013
NY Times Bestselling Author, former Green Beret and West Point Graduate, Bob Mayer.

"A pulsing technothriller. A nailbiter in the best tradition of adventure fiction." Publishers Weekly ref Bob Mayer

Horace Chase arrives on Hilton Head Island to pay his last respects at the Intracoastal Waterway where his late mothers ashes were spread and to inspect the home his mother left him in her will. Hes been recently forced into retirement, his divorce is officially final, and now hes standing in the middle of the front yard of his new house where a tree has crashed right through the center of it.

What could possibly go wrong?

Within six hours of arriving on Hilton Head, Chase is exchanging gunfire with men whove kidnapped a young boy and tried to grab the boys mother, Sarah Briggs. Soon hes waist deep in an extortion plot to funnel a hundred million dollars of Superbowl on-line gambling money into an offshore bank account or else the boy dies.

Dave Riley has long retired from the military and living peacefully on sleepy Dafuskie Island off the coast of South Carolina. Sort of. Actually hes bored, feeling old, and just a bit cranky running his deceased uncles small-time bookie operation.

Horace Chase, meet Dave Riley. Riley-Chase.

Chase and Riley assemble a team of misfits and eccentrics as they take on the powerful Russian mob in the lawless tidal lands of the Low Country to get the boy back.

Meet Erin: Chases long-ago summer fling, now a veterinarian and not interested in men any more, at least that way. But her suturing skills and her knowledge of the island bring assets the team needs. Especially after Chases first visit with the Russian requires a bit of the former.

Meet Gator: an ex-Ranger, iron-pumping, fire-breathing hulk of a redneck, with a soft spot in his heart for Erin, and steroids burning in his muscles to hurt people. As long as Riley and Chase point him in the right direction, the rest of the populace should be all right.

Meet Kono: a Gullah, descendant of the free slaves who fled to the barrier islands in the 19th century and developed their own culture. He nurses his own pain and secrets, but heeds Chases call to renew their childhood friendship. Especially when he learns the target is the Russians.

It adds up to a fiery confrontation to rescue the young boy, and settle some old scores.

But Riley and Chase need to remember a basic tenet from their days in covert operations: Nothing is ever as it appears.











Eternity Base by Bob Mayer and Steven Cooper
Ends ???
Genre Thrillers

http://www.amazon.com/Eternity-Ba...29&sr=1-41

19 reviews, 4.5 of 5 stars

Publication Date: January 21, 2012
From the NY Times Bestselling Author, former Green Beret and West Point Graduate, Bob Mayer.

Maverick federal employee Sammy Pintella, obsessed with uncovering the fate of her MIA father, makes a startling discovery while rifling through some inactive government files. A dozen, faded black and white photos seem to point to the existence of a secret US Military base built in the frozen wastelands of Antarctica during the height of the Cold War.

Aided by Special Forces veteran Dave Riley, she heads for Antarctica. But they arent alone. Spies, North Koreans and other shadowy forces are also en route, because deep inside Eternity Base is something people will go to extreme lengths to get: a cache of nuclear warheads.


A federal employee intent upon discovering the truth about her missing in action father stumbles upon a closely-held secret about an Antarctic military base - a base illegally constructed and which has been kept a secret by a serious of murders. When she and her reporter sister fly to the base for an in-depth probe, murder begins to stalk them in this tense novel. Unlike most military stories this will appeal to general audiences as a fine thriller. Highly recommended, indeed. -- Midwest Book Review

The Green Beret Series:
Eyes of the Hammer
Dragon Sim-13
Synbat
Cut Out
Eternity Base
Z

And Introducing Horace Chase in:
Chasing the Ghost
Chasing the Lost









Chasing the Lost: The Green Beret Series, Book 3 by Bob Mayer and Jeffrey Kafer
Ends ???
Genre Thrillers

http://www.amazon.com/Chasing-Los...29&sr=1-44

37 reviews, 4.5 of 5 stars

Publication Date: April 18, 2013
NY Times Bestselling Author, former Green Beret and West Point Graduate, Bob Mayer.

"A pulsing technothriller. A nailbiter in the best tradition of adventure fiction." Publishers Weekly ref Bob Mayer

Horace Chase arrives on Hilton Head Island to pay his last respects at the Intracoastal Waterway where his late mothers ashes were spread and to inspect the home his mother left him in her will. Hes been recently forced into retirement, his divorce is officially final, and now hes standing in the middle of the front yard of his new house where a tree has crashed right through the center of it.

What could possibly go wrong?

Within six hours of arriving on Hilton Head, Chase is exchanging gunfire with men whove kidnapped a young boy and tried to grab the boys mother, Sarah Briggs. Soon hes waist deep in an extortion plot to funnel a hundred million dollars of Superbowl on-line gambling money into an offshore bank account or else the boy dies.

Dave Riley has long retired from the military and living peacefully on sleepy Dafuskie Island off the coast of South Carolina. Sort of. Actually hes bored, feeling old, and just a bit cranky running his deceased uncles small-time bookie operation.

Horace Chase, meet Dave Riley. Riley-Chase.

Chase and Riley assemble a team of misfits and eccentrics as they take on the powerful Russian mob in the lawless tidal lands of the Low Country to get the boy back.

Meet Erin: Chases long-ago summer fling, now a veterinarian and not interested in men any more, at least that way. But her suturing skills and her knowledge of the island bring assets the team needs. Especially after Chases first visit with the Russian requires a bit of the former.

Meet Gator: an ex-Ranger, iron-pumping, fire-breathing hulk of a redneck, with a soft spot in his heart for Erin, and steroids burning in his muscles to hurt people. As long as Riley and Chase point him in the right direction, the rest of the populace should be all right.

Meet Kono: a Gullah, descendant of the free slaves who fled to the barrier islands in the 19th century and developed their own culture. He nurses his own pain and secrets, but heeds Chases call to renew their childhood friendship. Especially when he learns the target is the Russians.

It adds up to a fiery confrontation to rescue the young boy, and settle some old scores.

But Riley and Chase need to remember a basic tenet from their days in covert operations: Nothing is ever as it appears.









The Highlander's Hope by Cali MacKay
Ends ???
Genre Contemporary & Historical Romance

http://www.amazon.com/The-Highlan...00A3M

270 reviews, 4 of 5 stars

Publication Date: November 7, 2012
When Dr. Catriona Ross discovers clues to a long lost highland treasure, her only hope of finding the jewels is to obtain the help of Scotland's most eligible bachelor and playboy, Iain MacCraigh.

Iain can't believe his luck when he finds out the jewels are hidden away somewhere on his land-- and it doesn't hurt that the historian looking for them has curves to go with her smarts. With his brother betting the family fortune, this is the life line he desperately needs.

The odds are against them, and with word getting out about the jewels, they're not the only ones on the hunt. Time's running out, but can they learn to trust each other, or will they lose the jewels and true love in the process?

* This is Book One in the series. *









Amelia's Story by D.G Torrens
Ends 8/21
Genre Bios & Memoirs

http://www.amazon.com/Amelias-sto...B0063PR97

165 reviews, 4 of 5 stars

Publication Date: November 4, 2011
A life of pain and rejection.
This is a powerful true story of one young girls struggle to survive the state care system in the 70's and 80's. Amelia has just one wish, to make it to adulthood, to hold her destiny in her own hands. This is a harrowing true story, one of survival and human strength. Amelia has been separated from all her siblings never to see them again for many years, she is moved from one children's home to another, until finally it's just too much for her to bear. Amelia starts to wonder about the peace and finality of her own death.








Evan Burl and the Falling by Justin Blaney
Ends ???
Genre Fantasy

http://www.amazon.com/Evan-Burl-F...B0090WXO16

87 reviews, 4.5 of 5 stars

Publication Date: May 20, 2013
Discover #1 bestselling novel, Evan Burl and the Falling
My father abandoned me when I was an infant.
My friends have turned against me.
My uncle beats me.
The most powerful men in the world want me dead.
They all have one thing in common.
They think I'm turning into a monster.

I'm starting to worry they're right.

An excerpt from Evan Burl and the Falling
I found myself in a kingdom of stars and clouds. Endless. Deadly. And blue as blood.

Stretching without blemish from one side of the world to the other, the sky was perfect but for one single black speck.

If anyone was watching, they might have wondered whether I was merely napping on a pillow of thin air.

But it was nothing so pleasant.

This was a falling.

For what felt like hours, the whole world seemed frozen below me. Except for the wind, everything was silent. It seemed as if I could stay up there forever. It was beautiful really, whenever I managed for a few moments together to ignore the fact that I was hurtling toward the ground at about 214 miles-per-hour.

I didn't really even feel sick to my stomach.

Until the last thirty seconds.

First, the rolling mountains and hills, which always seemed so solid and unshakable, lumbered toward me like hulking bullies begging for a fight.

Then houses and barns. They popped out of the ground, like grasping hands from a fresh grave. Pulling me down. Into the earth, where I belong.

Ten seconds later, what seemed like a bit of lint stuck to my eyelash transformed into a living human. Then more. Dozens, hundreds of people. Working, eating, anything but looking up to see me plummeting through the sky like a shooting star.

Another ten seconds--far too soon--and the whole world was rushing up at a speed that turned my stomach to acid.

It was the last hundred feet that really tested what I was made of.

Gasping one last lung full of air, I realized in that moment that I was far less brave and far more foolish than I could possibly have imagined.

And right before the end, I closed my eyes.

Because no one can watch a falling.

Praise for Evan Burl and the Falling
"Amazing!" -- Melissa Williard

"The best fantasy book I've ever read" -- Mitsy Princell

"I want more! It just isn't right that's over. Evan Burl is every bit as good as the top YA fiction out there right now, in my opinion, better. The characters are brilliant, each story line is captivating, the content is complex and unpredictable, and I am intrigued to read more." -- Bethany Canfield

"I'll never view a clear, blue sky the same! This book took ahold of my imagination and guided me through the forgotten hallways and secret rooms I've always dreamed of finding. A fantastic story about the burden of knowing one's destiny, and desperately trying to avoid it." -- Eric Nienaber

"Wickedly complex villains so entertaining and terrifying they'll get under your skin and never let go. Evan Burl's world will fascinate you, creep you out and leave you begging for more." -- Mary Weber

"This eerie world and amazing cast of characters grabbed my heart from the first page and never let go. I can honestly say I would do anything to get an advance copy of Evan Burl's next chapter." -- Natalie Medina

"I'm hooked. So many threads of greatness, I can't wait to see how the series ends." -- Annie Biondi

"Justin Blaney creates a wonderful world of intrigue, mischief, and magic that comes alive through vivid storytelling. This is a struggle of good and evil at its finest ... it will have your mind on edge as you race to the end." -- Kari Skinner

"I read Evan Burl and the Falling when I was supposed to be working on my homework. That should speak for itself, it was a fantastic distraction from reality." -- Jessie Crowthe









The Soulmate Experience: A Practical Guide to Creating Extraordinary Relationships by Mali Apple & Joe Dunn
Ends 8/21
Genre Religious & Inspirational

http://www.amazon.com/Soulmate-Ex...004Y5OJUY/

119 reviews, 4.5 of 5 stars

Publication Date: April 26, 2011
2012 International Book Awards Gold Medal Winner in the "Relationships" category
2012 Living Now Awards Silver Medal Winner in the "Relationships/Marriage" category

Create the Love of Your Life--Keep the Life in Your Love

Single, in a relationship, or married: people of all walks of life and all ages are finding this new book on enlightened relationships inspiring, accessible, and truly transformational. This revolutionary guide will help you create and sustain a relationship that is intimately connected on all levels--emotional, intellectual, sexual, and spiritual--and a continual source of love, inspiration, and joy.

In Part 1, chapters like "Loving Your Body," "Reducing Your Baggage," and "Raising Your Soulmate Potential" will help you release anything that might be preventing you from experiencing a deeply connected relationship. As you read, you will quickly begin to feel more loving and compassionate toward yourself, more connected to those around you, and more confident about and creating your own soulmate experience.

In Part 2, chapters such as "Creating a Context," "Turning Expectations into Invitations," "Transforming the Energy of Jealousy," "Exploring the Edges," and "Connecting on a Soul Level" will give you everything you need to approach even the most challenging aspects of relationships in ways that will actually deepen your experience of love and intimacy. You will discover the secrets to keeping the love, passion, and connection in your relationship fully alive--every single day. And you will learn how to lovingly guide each other to release limiting beliefs, heal the past, rise above perceived limitations, and unlock the potential in every area of your lives.

Whether you're on a quest for your soulmate, looking for deeper connection in the relationship you have right now, or just want to experience much more love in your life, the ground-breaking ideas in this book--and the many stories of real people putting them into practice--will fill you with love, inspiration, and possibility. Because The Soulmate Experience isn't just a book. It's a great way of living life.

About the Authors
Mali Apple and Joe Dunn host the very popular community "The Soulmate Experience" on Facebook. They have dedicated their relationship to discovering how to create magical relationships and keep the magic in any relationship alive. Their greatest joy is inspiring others to bring more of the soulmate experience into all their relationships.







The Pursuit of Happiness: 21 Spiritual Rules to Success by Jennifer O'Neill
Ends 8/21
Genre Advice & How-To

http://www.amazon.com/The-Pursuit...007RG

91 reviews, 4 of 5 stars

Publication Date: April 3, 2012
What do most people desire in life? It is not money, it is not even love, it is happiness!

Praise for The Pursuit of Happiness: 21 Spiritual Rules To Success:
One of the best inspirational books I have read in a long time. -- Aulani
These tools help shift your thinking, commit to your dreams and show you anything is possible -- Linda H.
If I find myself in a slump or needing motivation, it's a great resource to get me back on track. It really gave me a sense of peace and clarity -- Annette
The author uses personal example as a means of getting her message across, as well as provides exercises at the end of Spiritual Rules to assist the reader in better accomplishing their personal goals. Her key insights, into different situations, really hit home for me. -- Lamanda A. Nance
The Book:
Learn how unnecessary negativity in your life can be avoided.
Discover how to shift negative thinking into positive thinking.
A positive attitude will change your life, keeping a positive attitude
can be easier then you think when following these simple rules.
Everyone is searching for happiness. This book is a mini-course outlining 21
spiritual rules to finding success when you are in "The Pursuit of
Happiness." The book was designed with a specific purpose, as a guide to
help you tap into your natural ability to be happy. Everyone has the
ability to find happiness in his or her life, yet sometimes you need a
road map. "The Pursuit of Happiness" is your spiritual road map.
Buy a copy and learn to enjoy the journey!









Goddess Legacy: Goddess Series Book 1 (Young Adult / New Adult Series) by M.W. Muse
Ends ???
Genre Romance

http://www.amazon.com/Goddess-Leg...B00B9DN2Z

88 reviews, 4 of 5 stars

Publication Date: January 31, 2013
**An updated file was loaded April 23, 2013, to fix grammatical and conversion issues with the initial book file**

Legacy Kore is an average seventeen year old with your basic insane crush on the hottest guy in school... rather Adin Shepard was the hottest guy in school before he graduated a couple of weeks ago. Now it's summer vacation and she's not sure when she'll get to see him again. Until he shows up at her surprise seventeenth birthday party. Cue saliva glands--it's time to drool.

But her giddiness is cut short when her guardian delivers an emotional blow, telling Legacy her mother hadn't died when she was baby, but that she'd left for Legacy's protection all those years ago. After the initial shock, she expects some story about how her mother was in the Witness Protection Program or something else just as crazy, but when she's told that her mother is a Greek Goddess and that Legacy is changing into one too, she thinks her guardian needs a trip to a mental hospital. Legacy a goddess? Um, yeah. Right. And her BFF is the Easter Bunny.

While trying to make sense out of something that was impossible to believe, Adin asks Legacy out on a date. She is thrilled that her fantasy might become a reality, but when she meets the new guy in town, River, she discovers everything isn't always as it seems, and the legacy she wants just might not be the legacy she is destined to have.

Order of Goddess Series:
Goddess Legacy
Goddess Secret
Goddess Sacrifice
Goddess Revenge
Goddess Bared
Goddess Bound (Releases Early June 2013)
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Clever gift giving in mortgage process
Added on : Sunday August 18th 2013 03:00:08 PM
g: 0 Posted By: brotherchaos
Views: 73 Replies: 0 Question related to gift-giving when applying for a mortgage:I know that the only gifts you can receive are ones from family members and they must be verified to be gifts and not loans. However, I've thought of a (possibly) sneaky way to have anyone give you a gift without the lender noticing, but I'm wondering if anyone here has heard of it before.The reason I'm doing this is not to buy a home that I can't afford, but because someone (family friend) actually wants to give me a gift to help pay for other costs that may come up around the house-buying period and I have to tell them they can't.The way you could do it is simply have that person pay off your credit card debt from their own bank account. Since mortgage lenders only look at YOUR bank statements, they wouldn't notice any weird transactions and so it would basically be a sneaky way to receive a gift without anyone noticing.Does anyone see a problem with this?
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PSA: your website
Added on : Thursday August 15th 2013 05:00:03 PM
g: 0 Posted By: umcsom
Views: 0 Replies: 0 I am anal about everything related to my business. I checked my GoDaddy account tonight to make sure I was nowhere near my expiration on my web site. Good news is I have 5 years left on the contract (told you I was anal). Bad news is that GoDaddy has my website up for auction with a very low starting bid. I called as soon as I found out. Customer service couldn't explain it and wants me to write an email to someone because everyone is gone until tomorrow. Needless to say I will not write an email and will be calling tomorrow to figure out what is up. The odd part is one website that I have wanted for a while is also up for auction with a low starting price. I checked a few other sites I own or know the owners and none of them are up for auction.To be clear there is no indicator on my accounts page of my site being up for auction. It is only when you type in the name of my website into the GoDaddy homepage that it shows up that way. Just a reminder for everyone to occasionally check your internet page out to make sure everything is copacetic.
g: 0 Posted By: VivYip
Views: 83 Replies: 0 Newegg has this item at the regular price of $9.99 with free shipping and no tax in most statesRosewill RNX-G300LX Wireless Adapter Card IEEE 802.11b/g PCI Up to 54Mbps Data Rates 64/128bit WEP WPA WPA2 802.1x, 802.11i, AES, TKIP with 2 dBi AntennaIEEE 802.11b/g
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64/128bit WEP WPA WPA2 802.1x, 802.11i, AES, TKIPthe price seems decent to me. If a person wants something differentNewegg also offiersRosewill RNX-N250PC2 (RNWD-12001) IEEE 802.11b/g/n, PCI, Wireless-N Adapter (2T2R) Up to 300Mbps Data Rates, 64/128 bit WEP, complies with WPA/WPA2 standard (TKIP/AES), IEEE 802.1Xfor $12.99 after coupon code EMCXMWR68 with free shipping.Hope this might help someone. Thank you for reading
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g: 0 Posted By: DTASFAB
Views: 2365 Replies: 16 Ok I'm not proud to admit I screwed up a little. Hopefully it won't hurt me in the long run.Abridged version:
New car salesman has told me repeatedly that my $500 deposit has already been fully refunded to my credit card since the deal we originally agreed on fell through. However, it has been a week, and the credit has not posted yet. I'm also concerned that someone in the dealership may use my finance application for identity theft purposes, either in retaliation for not buying the car or simply as a crime of opportunity. Should I be concerned about this? Should I try to freeze my credit? I'm assuming it will cost money to put a freeze on at all three bureaus?TLDR version:
So I go into the first dealer and we agree on vehicle, trim, price, packages, and options, but they can't find the vehicle in the color scheme I want. Their computer isn't working properly and the sales manager tells me there's not a vehicle in the trim with the package I want within a 200 mile radius in any color. After checking again, he sees he has two such vehicles on his lot, but again, wrong color. So he says he'll do the deal if I'll settle for the color he has. I thank him for his time and tell him I'm going to continue searching for the color I want, but if anything changes, I'll let him know.I find a second dealer whose website says they have the exact vehicle I want with the exact color scheme I want. I call and they confirm. The next day I go in at lunch time and they tell me the color codes were entered on their website incorrectly. The exterior color is correct but the interior color is wrong. The interior only comes in two colors. I felt strongly about the interior color, but it wasn't non-negotiable the way the exterior color was. So they tell me if I really want the interior I want, they can find it from another dealer. I say ok, good, please try to do that. I tell them the trim, price, packages, and options the first dealer agreed to, and they agree to match it. The salesman asked, "If I can match this price, do we have a deal?" I responded, "If you can find the vehicle and match the price, we have a deal." They wanted me to put down a deposit, but I refused and told them I'll put down a deposit when they locate the vehicle I want.Three hours later, they call to tell me they found exactly what I wanted. Less then 90 minutes after that, I'm back in their showroom to put down a deposit on the vehicle they found from another location. Only problem now is that the other dealer who had the exact vehicle I wanted has sold it in the past 85 minutes and it's no longer available because I didn't put down a deposit at lunch time. Yeah, right, ok, sure.So I tell them I want to look at the car on their lot with the correct exterior color but the wrong interior color. After seeing it up close and in person, I decide to buy it. So we go back to the showroom and I put down a deposit on a credit card. They told me it's fully refundable if the deal falls through, but I screwed up and didn't get this promise in writing. I also filled out a finance application because financing through the car manufacturer was worth an extra $500 off the purchase price and there would be no prepayment penalty after 90 days. Otherwise, I never would have tried to finance since I have the cash available. I also only put down a deposit and didn't purchase the car right then and there because the sales manager who agreed to the price was gone for the day, so they told me I'd have to come back tomorrow to finish the paperwork.The next day, they call and tell me we're several hundred dollars apart on price, since the accessories I wanted were more expensive than the prices listed for them on the car manufacturer's website. By this time, I'm thoroughly disgusted with these people and I decide to walk away. Remember, I told them if they can find the vehicle and match the price, we'd have a deal. Well they didn't have the right color and now they were trying to squeeze more money out of me, so I wasn't going to let them manipulate me further. The salesman tells me he'll fully refund the deposit and there won't be any issues. He also suggests that he doesn't want to make me upset because even though this deal fell through, I'm still a potential future customer and he wants to make things right.I have a saved voicemail from the salesman telling me he needs my credit card account number so he can process the credit. I responded via e-mail with the credit card information and I have that saved in my sent messages folder. Otherwise, I have no real evidence that they've agreed to refund the deposit. I know they technically have 30 days to issue a credit, but I think they've been holding out, hoping I'd change my mind and buy the car.I'm also concerned that I left a finance application in the dealership containing my name, address, DOB, and SSN. I know they probably ran my credit as soon as I gave them that paper, but I don't even care about the hard pull at this point. I just want my deposit back and I don't want my personal information used by unauthorized persons.This dealer has several outstanding ratings on dealerrater.com but based on my experience with them, I can't understand why. They're obviously playing games and trying to screw me over. If I hadn't left that finance application there, I'd be kicking and screaming to get my deposit back, and I'd even stand on the sidewalk wearing a placard saying this dealer ripped me off in order to get their attention if necessary. But I'm afraid of ID theft, so I have to tread carefully.
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g: 5 Posted By: archena
Views: 3099 Replies: 0 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase.Photo Mastery - Shadows, Form And Texture (On Target Photo Training) [Kindle Edition] was $8.97Dan Eitreim (Author) http://www.amazon.com/dp/B007RSCOACPublication Date: April 5, 201218 Reviews - ★★★★★#1 in Kindle Store > Kindle eBooks > Arts & Photography > Photography > ReferenceRevised and expanded edition.Although photography is all about light...it's actually the shadows that define form and textures!When you get tired of flat, boring, 2d photos and want to have lifelike images that pop off the page, this Volume of the "On Target Photo Training" course is the answer!Here is a copy of the table of contents to show a little of what is covered...Introduction
Light Makes Shadow
Color Temperature - Kelvin Scale
Light Meters
Reflected Light Meter
Problems With Reflected Light
Incident Light Meter
Ambient Light
Ambient Light Qualities
Shadows From Hard Ambient Light
Soft Ambient Light Shadows
The Main/Key Light
Planning The Shadow
Squinting
Raccoon Eyes
Do You HATE Those Pesky Shadows?
Shadows Define Form And Texture
The Fill Light
Learning Photography Lighting Techniques!
Photo Exercise
Photo Exercise 2
Fixing Problem Areas
Shadow Lighting Patterns
Split Light
Loop Light
Butterfly Light
Texture Requires Shadow!
Glare
Photo Exercise 3
Additional Photo TrainingWe spend a lot of time discussing light and various qualities of light - to get a better understanding of shadows!Ambient Light: This is the light we will be using the most. Here we thoroughly cover what is is and how to work with it! Once we know how to control the light, we can control the shadows that define our shapes and textures.The Main/Key Light: Before you can learn to master the shadows, you need to understand the light that is making them! Each light source whether it is ambient light or studio light (or both) creates it's own set of shadows. And it's own set of problems and opportunities!Shadows: The shape, position and depth of the shadows - and your mastery of them - is what will turn your photos from dull lifeless "pictures" into something you will be proud to not only put on the wall...but you will be proud to sign them too!The Fill Light: Here is the key to controlling the depth of your shadows and bringing emotion into your art.Fixing Problem Areas With (Or Without) Shadows: Every face and every scene has flaws that you can "fix" in your camera. Every subject you shoot wants and deserves to look like a million bucks! It's your job as a photographer to make that happen.Glare: Glare in glasses can easily ruin a photo. Plus it's incredibly difficult to "fix" in Photoshop. Fixing it in camera is really easy once you know how.You are closer than you think to creating truly amazing photographs that will be the envy of your friends and family!
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ON SALE: Luciano Padovan - Color Block Patent Leather Platform Sandal
Added on : Saturday August 10th 2013 09:00:13 AM
Shiny red, black and beige leather exude luxury and bright personality, ideal for the uptown woman who wants to make a statement. A goldtone buckle and covered stiletto heel perfect the design. Signature dust bag and box included. Made in Italy.
New Arrivals: Sonia Rykiel - Dauphine - Tote Black/White
Added on : Saturday August 10th 2013 09:00:12 AM
Dauphine tote by Sonia Rykiel is made for the urban warrior who wants to stay in style no matter how busy she is. Cotton canvas in black and white stripes, gold toned zip and round »jewel» accents, leather front pocket. Ample room for iPad, makeup, and all the other things you need on the go.
g: 0 Posted By: RhizzleBop
Views: 147 Replies: 7 Wife teaches.Changed districts which effectively is a whole new payroll and budgeting school system here. She's supposed to be paid from the old district till late Aug, new dist will start paying after that.Basically, she was paid a base rate, plus a state supplement for her special certification, and a district supplement for the same special certification.She received steady pay from last Aug without issue till early july when the two supplement amounts suddenly stopped.Then her last July check, the supplements were still stopped, but they deducted almost a grand back from her base pay. (So she drew very little)After calling and trying to get someone ti figure out why for the past week, shes now told they overpaid her.
Basically, someone plugged in a number for her district supplement a few K too much. (She was told they put in the same number for the state and dist supp lines, but all year, those two pay lines have not been the same rate)Now, they are saying she owes back over 3.7k. They owe her two more checks this year. Told her someone would call today to setup payments for her to pay it back.I say this is BS, that if they plugged in to pay her whatever amount, that's what they paid and they have no recourse. thoughts?Furthermore, how would they possibly setup a payment plan when she doesn't work there anymore. No way in "H" she'll pay back money earned pretax with after tax dollars from a new district.We have a call in to the teacher association today to determine what to do here. She's already signed her contract with the new district.
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g: 0 Posted By: archena
Views: 104 Replies: 0 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase.Photo Mastery - Shadows, Form And Texture (On Target Photo Training) [Kindle Edition] was $8.97Dan Eitreim (Author) http://www.amazon.com/dp/B007RSCOACPublication Date: April 5, 201218 Reviews - ★★★★★#1 in Kindle Store > Kindle eBooks > Arts & Photography > Photography > ReferenceRevised and expanded edition.Although photography is all about light...it's actually the shadows that define form and textures!When you get tired of flat, boring, 2d photos and want to have lifelike images that pop off the page, this Volume of the "On Target Photo Training" course is the answer!Here is a copy of the table of contents to show a little of what is covered...Introduction
Light Makes Shadow
Color Temperature - Kelvin Scale
Light Meters
Reflected Light Meter
Problems With Reflected Light
Incident Light Meter
Ambient Light
Ambient Light Qualities
Shadows From Hard Ambient Light
Soft Ambient Light Shadows
The Main/Key Light
Planning The Shadow
Squinting
Raccoon Eyes
Do You HATE Those Pesky Shadows?
Shadows Define Form And Texture
The Fill Light
Learning Photography Lighting Techniques!
Photo Exercise
Photo Exercise 2
Fixing Problem Areas
Shadow Lighting Patterns
Split Light
Loop Light
Butterfly Light
Texture Requires Shadow!
Glare
Photo Exercise 3
Additional Photo TrainingWe spend a lot of time discussing light and various qualities of light - to get a better understanding of shadows!Ambient Light: This is the light we will be using the most. Here we thoroughly cover what is is and how to work with it! Once we know how to control the light, we can control the shadows that define our shapes and textures.The Main/Key Light: Before you can learn to master the shadows, you need to understand the light that is making them! Each light source whether it is ambient light or studio light (or both) creates it's own set of shadows. And it's own set of problems and opportunities!Shadows: The shape, position and depth of the shadows - and your mastery of them - is what will turn your photos from dull lifeless "pictures" into something you will be proud to not only put on the wall...but you will be proud to sign them too!The Fill Light: Here is the key to controlling the depth of your shadows and bringing emotion into your art.Fixing Problem Areas With (Or Without) Shadows: Every face and every scene has flaws that you can "fix" in your camera. Every subject you shoot wants and deserves to look like a million bucks! It's your job as a photographer to make that happen.Glare: Glare in glasses can easily ruin a photo. Plus it's incredibly difficult to "fix" in Photoshop. Fixing it in camera is really easy once you know how.You are closer than you think to creating truly amazing photographs that will be the envy of your friends and family!
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Social security benefit for the retiring overseas!!
Added on : Monday August 05th 2013 08:00:12 PM
g: 0 Posted By: ktnium
Views: 119 Replies: 2 I'm sorry if this question has been asked before. I couldn't find anything related to it. A close-relative* of mine is about to take early retirement at 62. He's an immigrant who has been here for 15 years and granted US citizenship. But due to health problem limitation, he's on/off the workforce for the duration of 15 years. My/his understanding is that retirement/social security benefits will only give him $300-$400/month. With this kind of money, he won't be able to make it here in the state (again, he can't have extra work to supplement his income). So...the plan is that he wants me to open an bank account with me being a co-signer. He will move back to his old home country, and I'll send the 300-400 a month to him (the money goes further there).I have a few questions. First, will social security payment stops when he leaves the US? Does he need to come back, be present in the US to file tax. Can he stay abroad continuously several years and have me sending him his retirement money? Second, Obviously, I'm not doing this for my own benefits. Should I be concerned about being a co-signer of the bank account (tax wise..)? I know most people on here are not tax/immigrant experts, any inputs are welcomed. thanks
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g: 6 Posted By: archena
Views: 2783 Replies: 3 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase.YouTube Video Marketing Secrets Revealed: The Beginners Guide to Online Video Marketing [Kindle Edition] was $9.97Montina "Sparkwisdom" Portis (Author)http://www.amazon.com/dp/B00E34F0ZOPublication Date: July 21, 20136 Reviews ★★★★★#1 in Kindle Store > Kindle eBooks > Business & Investing > Management & Leadership > Training
Do you want to be a YouTube Rockstar?
Do you want to get more views and subscribers on YouTube?
Do you wish you could get your YouTube videos to rank #1 in Google and YouTube?Want an EASY to read, simple to implement book that will empower you to make the impact on YouTube that YOU want? In life, we are all looking for a roadmap and Montina "Sparkwisdom" Portis has done just that for you. She started on YouTube in 2009 and in a few short years has built up a strong subscriber base of over 10k and has over 1.5 million video views. This book will teach you not only how to share your business, life and build memories - it will show you to make PROFITS doing it with YouTube video marketing.Ready to learn the #1 Mistake People Make and How You Can Use it to Your Advantage so that You Can Get More Views & Subscribers, Build Traffic and Make Money Online?According to YouTube statistics,
-More than 1 billion unique users visit YouTube each month
-Over 6 billion hours of video are watched each month on YouTubethat's almost an hour for every person on Earth, and 50% more than last year
-100 hours of video are uploaded to YouTube every minute
-According to Nielsen, YouTube reaches more US adults ages 18-34 than any cable networkThis book is for the person that:
*Is interested in YouTube but does not know how to get started
*Wants to see results in their YouTube Video Marketing
*Is an intermediate or advanced user that wants to get even more views and subscribers and learn how to build traffic
*Internet Marketers and bloggers that want to know how to effectively use YouTube in their video marketing in their strategy
*Wants to learn 12 ways to increase their YouTube views, grow subscribers, drive traffic and build a list
*Wants to use YouTube and video marketing to market their business
*Wonders how they can get more views and subscribers
*Wants to get their message of hope out to the world and has no idea where to start
*Dreams of sharing a message of hope with the world
*Wants to learn how to build traffic to their website using YouTube
*Wants to choose the best title for their videos
*Is curious how to make money online through YouTubeSecrets will be revealedHere are some of the questions that are answered:
- How do I get more traffic to my website from YouTube?
- Please help me understand how Google monetizing my video is going to make me any money because I'm not seeing it.
- How do I optimize my site for more traffic?
- How do you keep people engaged?
- I'd like to know to choose an Intro/Outro and how to get a good video quality without buying a DSLR.
- How the search algorithm works so I can optimize my videos for the search results.
- How to get more views on the channel.
- How do I get more subscribers?
- How to use this platform to reach ideal clients.
- How to grow my channel and create dialogue with the viewers
- For the people that make money from using YouTube (mainly people without a personal/business website) what are their secrets/tip to doing so?
- How do I get my videos to show up on the first page in my topic?
- How I can I use it to build my business?What youve done worked for you but how do I know it will work for me? That is a self-limiting belief! Video marketing is proven to work! I already have a You Tube Channelwhy do I need to do this? You dont. You can spend 4 years figuring out what works like she did or you can put a plan in action to be intentional and learn how to make money online. I have a channel with no views. Why are you still reading this? Get the book!About the Author: Montina "Sparkwisdom" Portis is a "YouTuber" and teaches part-time entrepreneurs how to achieve full-time success so that they can create content, build traffic and convert their passion into profits! Montina Portis is an employeepreneur that specializes in Social Media, Video Marketing, Podcasting, Passive Income Streams and Teaching Online.About the Author
Montina teaches part-time entrepreneurs how to achieve full-time success so that they can create content, build traffic and convert their passion into profits!
Montina Portis is an employeepreneur that specializes in Social Media, Video Marketing, Podcasting, Passive Income Streams and Teaching Online.
Books & Magazines Deals
Found a home not represented by broker
Added on : Thursday August 01st 2013 06:00:09 PM
g: 0 Posted By: burgerphone
Views: 122 Replies: 1 Long time lurker on fatwallet and I recently got myself into a pickle. I'm hoping to get some advice.I have been looking at homes to purchase with my real estate agent recently. I put in a few offers on some homes but nothing came of it. We signed a " Buyer representation exclusive" agreement and in it states we are obligated to compensate the broker if we close on a home within 90 days in a specific area. It also goes on to say only if the home we purchase is represented by the broker to buyer. Well, we also found a new construction house before we started looking at home with the broker. We didn't think we would get the new construction because of the long lines of people waiting to purchase.Well, recently the new construction came back and offered us a home which we jumped on it and signed within days. My question is, since we found this home on our own without the broker, are we obligated to compensate the broker with any commission? Our agent is telling us its not him charging us the commission but its his broker who wants the commission. I plan on seeing a real estate attorney tomorrow, but thought I would ask the folks here about their thoughts on this.
Real Estate Deals
Merit Scholarships/Grants for Adult College Students
Added on : Thursday August 01st 2013 05:00:06 PM
g: 0 Posted By: zhelder
Views: 0 Replies: 0 After many years, my brother decided to return to college a few years ago with the goal of obtaining a bachelor's degree in medical informatics. He began the program at a community college, and he just received the associate's degree in the field with a 3.9 GPA. He now wants to attend a public four year technical college to complete the bachelor's degree. The problem is, the cost per class are about triple what they were at the community college. He has a full-time job, but his salary certainly wouldn't light the boards up here, and the tuition reimbursement is meager. He squeezed out enough money to pay for one class, but he's likely not going to be able to pay for many more classes on his own.Does anyone know of any merit based scholarships or grants for adult students? Almost all of the information online is focused on high school students. He is trying to avoid taking out loans, because he's afraid of getting stuck in a position where he has to pay back a ton of money and might not have a job that pays enough to do so. Thanks for any tips or information.
g: 0 Posted By: archena
Views: 0 Replies: 0 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase.How to Use Positive Discipline in Your Home - With Your Children -Quick and Easy Ideas [Kindle Edition] worth $8.97Christina Smith (Author), JaNell Matthews (Editor)http://www.amazon.com/dp/B00E91CS3IPublication Date: July 30, 20131 Review - ★★★★★#8 in Kindle Store > Kindle eBooks > Nonfiction > Parenting & Relationships > Parenting > Child CareAre you tired of your children running all over you? Are you wondering how teachers can handle a whole classroom of kids? Are you wishing your children came with a users manual so you would know how to work with them? Or do you just want some new ideas that can strengthen the great things you are already doing with your children?
This book will give you step-by-step ideas of ways you can guide your child to being helpful and considerate. It will help you answer these challenges: How and why do I use positive language? What type of questions will get me respect? How do I teach my child everyday things? (Shouldnt they already know it?) How do I put some fun back into the everyday trying to be a good parent?
The strategies found inside are ones that you can implement now to move toward or give strength to a fun, peaceful home.
Christina Smith draws her experience first and foremost from her three children. They were her 'trial and joy by fire'. She also has an elementary and special education bachelors degree; working the last seven years in a post-high program for the severely disabled adult. She wishes she knew the strategies enclosed when she was raising her kids. 'It would have made life with my kids a lot easier.' She wants other parents to know that these strategies, if used, can help make their home life a little more like heaven.
"I found this book to be incredibly helpful with my kids (one of whom has special needs). The methods are practical and intuitive; not intimidating or unrealistic. I could go to any section and find the tools I needed for the different situations I come across every day in my parenting life. I would highly recommend this book for anyone with children."
--JaNell D. Mathews, Teacher, and mother for a child on the autism spectrum
new car dealer dragging feet refunding deposit & ID theft concerns
Added on : Thursday August 01st 2013 05:00:08 AM
g: 0 Posted By: DTASFAB
Views: 172 Replies: 0 Ok I'm not proud to admit I screwed up a little. Hopefully it won't hurt me in the long run.Abridged version:
New car salesman has told me repeatedly that my $500 deposit has already been fully refunded to my credit card since the deal we originally agreed on fell through. However, it has been a week, and the credit has not posted yet. I'm also concerned that someone in the dealership may use my finance application for identity theft purposes, either in retaliation for not buying the car or simply as a crime of opportunity. Should I be concerned about this? Should I try to freeze my credit? I'm assuming it will cost money to put a freeze on at all three bureaus?TLDR version:
So I go into the first dealer and we agree on vehicle, trim, price, packages, and options, but they can't find the vehicle in the color scheme I want. Their computer isn't working properly and the sales manager tells me there's not a vehicle in the trim with the package I want within a 200 mile radius in any color. After checking again, he sees he has two such vehicles on his lot, but again, wrong color. So he says he'll do the deal if I'll settle for the color he has. I thank him for his time and tell him I'm going to continue searching for the color I want, but if anything changes, I'll let him know.I find a second dealer whose website says they have the exact vehicle I want with the exact color scheme I want. I call and they confirm. The next day I go in at lunch time and they tell me the color codes were entered on their website incorrectly. The exterior color is correct but the interior color is wrong. The interior only comes in two colors. I felt strongly about the interior color, but it wasn't non-negotiable the way the exterior color was. So they tell me if I really want the interior I want, they can find it from another dealer. I say ok, good, please try to do that. I tell them the trim, price, packages, and options the first dealer agreed to, and they agree to match it. The salesman asked, "If I can match this price, do we have a deal?" I responded, "If you can find the vehicle and match the price, we have a deal." They wanted me to put down a deposit, but I refused and told them I'll put down a deposit when they locate the vehicle I want.Three hours later, they call to tell me they found exactly what I wanted. Less then 90 minutes after that, I'm back in their showroom to put down a deposit on the vehicle they found from another location. Only problem now is that the other dealer who had the exact vehicle I wanted has sold it in the past 85 minutes and it's no longer available because I didn't put down a deposit at lunch time. Yeah, right, ok, sure.So I tell them I want to look at the car on their lot with the correct exterior color but the wrong interior color. After seeing it up close and in person, I decide to buy it. So we go back to the showroom and I put down a deposit on a credit card. They told me it's fully refundable if the deal falls through, but I screwed up and didn't get this promise in writing. I also filled out a finance application because financing through the car manufacturer was worth an extra $500 off the purchase price and there would be no prepayment penalty after 90 days. Otherwise, I never would have tried to finance since I have the cash available. I also only put down a deposit and didn't purchase the car right then and there because the sales manager who agreed to the price was gone for the day, so they told me I'd have to come back tomorrow to finish the paperwork.The next day, they call and tell me we're several hundred dollars apart on price, since the accessories I wanted were more expensive than the prices listed for them on the car manufacturer's website. By this time, I'm thoroughly disgusted with these people and I decide to walk away. Remember, I told them if they can find the vehicle and match the price, we'd have a deal. Well they didn't have the right color and now they were trying to squeeze more money out of me, so I wasn't going to let them manipulate me further. The salesman tells me he'll fully refund the deposit and there won't be any issues. He also suggests that he doesn't want to make me upset because even though this deal fell through, I'm still a potential future customer and he wants to make things right.I have a saved voicemail from the salesman telling me he needs my credit card account number so he can process the credit. I responded via e-mail with the credit card information and I have that saved in my sent messages folder. Otherwise, I have no real evidence that they've agreed to refund the deposit. I know they technically have 30 days to issue a credit, but I think they've been holding out, hoping I'd change my mind and buy the car.I'm also concerned that I left a finance application in the dealership containing my name, address, DOB, and SSN. I know they probably ran my credit as soon as I gave them that paper, but I don't even care about the hard pull at this point. I just want my deposit back and I don't want my personal information used by unauthorized persons.This dealer has several outstanding ratings on dealerrater.com but based on my experience with them, I can't understand why. They're obviously playing games and trying to screw me over. If I hadn't left that finance application there, I'd be kicking and screaming to get my deposit back, and I'd even stand on the sidewalk wearing a placard saying this dealer ripped me off in order to get their attention if necessary. But I'm afraid of ID theft, so I have to tread carefully.
Personal Finance Deals
relative needs $8K for a certification program
Added on : Wednesday July 31st 2013 08:00:09 AM
g: 0 Posted By: rza1
Views: 60 Replies: 2 This relative has poor credit and is bad with money. She also has over 150k in student loan debt for BS + MS. Unfortunately, she wants to go through a certification program which she says will help her career. With bad credit, very high student loan debt, and other consumer debt, is it possible for this person to get a loan from a bank or somewhere? Since it can be considered educational costs, what are some options for someone in her situation?
General Economics Deals
g: 0 Posted By: calisoldier83
Views: 175 Replies: 2 Hey all,I sold my s3 on eBay. Upon selling it buyer wanted it shipped to a different address, I read up that you have to have the address confirmed in PayPal in order to get protection. I refunded him the money, he sent the money again once he fixed his address. I get a note on eBay from buyer stating the item was delivered but he didn't get it and asked for me to confirm address it was shipped to. I sent back the address from PayPal. At this point I thought he was going to pull a fast one. didn't hear from him for a couple days, he sent a dispute stating item does not match the description. Said he couldn't connect to 3g or 4g. He said he went to Sprint twice. I tried giving advice, getting the network reprovisioned and getting the software updated, etc. In his latest communication he's stating the phone has very poor reception and has some paperwork filled out by Sprint and has a copy of this.I called bs and I presented the facts that the phone turns on and connects to Sprint network and I'm not responsible for the reception, as that is the service Sprint provides. He wants to return the phone but I don't trust this guy and threatened to escalate to PayPal due to it being a service problem and not a phone/hardware issue. I did tell I have proof that we used that phone with 2 gigabytes of data used the prior month. I told him that I'm ready to escalate to PayPal.I'm not sure what shape the phone is in at this point because this guy sounds like a real winner. Wanted to see if there's any advice you all may have and how to approach the next steps. I know buyers have the upper hand however I think his case is weak. Any advice?He also has around 30 positive feedbacks but everything so far seems fishy and it seems he had a change of mind.
Question Deals
FREE Kindle Book - The Devil's Double Original Book was $9.99
Added on : Tuesday July 30th 2013 07:00:13 PM
g: 0 Posted By: archena
Views: 42 Replies: 0 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase.The Devil's Double Original Book, (which was made into a feature film of the same name, This Book Sold Over 6.7 Million Copies Worldwide in Twenty Languages.) [Kindle Edition] was $9.99Latif Yahia (Author)http://www.amazon.com/dp/B009SFWLXMPublication Date: October 15, 2012Publisher: Arcanum Media Group10 Reviews ★★★★#1 in Kindle Store > Kindle eBooks > Biographies & Memoirs > Leaders & Notable People > Presidents & Heads of State#1 in Kindle Store > Kindle eBooks > History > Americas > United States > Military History > Operation Desert StormTHE DEVILS DOUBLE:
is the first of 3 autobiographical books chronicling Latif Yahias incredible life story.
It vividly describes how Latif was forced to become Uday Husseins fidai (body double) and gives a unique insight into the extreme extravagance and cruelty of the Saddam regime.
Latif survived assassination attempts and witnessed Udays psychotic temper, rapes, orgy parties, torture atrocities, and sadistic murders. The book has recently been made into a highly acclaimed movie.THE BLACK HOLE:
gives a fascinating account of what happened to Latif in Europe after he escaped from Iraq. How he was treated by western governments and the CIA. How Uday sought revenge on Latif and vice-versa. How he was offered a British passport by Saudis to murder a dissident and how they beheaded Latifs Saudi princess lover. How Latif made and lost a fortune. How he strived in vain for a peaceful life and survived 4 more assassination attempts.Forty Shades of Conspiracy:
brings Latifs story right up to date by detailing his time in Ireland. His run-ins with drug-dealers, Corrupt Irish Garda officers and Irish politicians who continually denied him Irish citizenship.
His despair as a beggar on the streets and the happiness he found after he met the love of his life. His reaction to Uday and Saddams deaths and his opinion on the current political situation in Iraq all makes fascinating reading.Book Description:
In 1987, Latif Yahia was taken to Saddam's headquarters to meet Uday, Saddam's eldest son, and told that a great honour had been bestowed upon him: that because of the great likeness between them, he had been chosen to be Uday's double.
For many Iraqis it would have been the highlight of their lives, but for Latif, a peace-loving man who did not agree with Saddam's brutal regime, it was not. He refused. Following a week of torture, and realising he would be killed if he continued to refuse, Latif was forced to accept the role.
After a gruesome training programme during which he was made to watch over thirty films of torture, hours of tapes of Uday, and undertake a final remodelling of his appearance, Latif was deemed ready.
But it was only after the final test, a meeting with Saddam himself, that Latif made his first public appearance. And so began his life as Uday's double - a life on the perimeter of the inner circle of Saddam's eldest son, a witness to the horror of his insane life of debauchery, excess and brutality, and an experience for which he almost paid with his life on more than one occasion. From The Publisher:
Latif Yahia has never attained citizenship from another country, still stateless since his flight from Iraq in 1992, he attributes this to the fact that he refused to work with intelligence services against his country. There should be a distinction made between Saddam and Iraq, being against the invasion of Iraq in 2003 did not mean that he was for Saddam, he opposed the war because he knew what it would do to the Iraqi people and the country as a whole and also who would be appoionted Iraqs new leaders and what they too were capable of. At the beginning of the invasion, Latif Yahia warned the American led forces that they may remove one Saddam but they would create one hundred and they may remove one Uday but make one hundred more. This has been proved by recent events in Iraq, After his flight from Iraq Latif Yahia was considered by Saddam and the regime to be a Traitor, now within the new government he is considered to be a collaborator.
A no win situation.You may or may not be aware that Mr. Yahia is donating his royalties from all sales of the book, to the Iraqi children Orphaned by the American invasion of Iraq in 2003 and the subsequent warA note from the Author This book was written in 1992, originally it was 1,000 pages long with even more facts and details than contained in the pages herein, because of it's size the original publisher trimmed it down to the 300 or so pages that it is today. After the fall of Saddam Hussein and his regime in 2003 the facts in this book were confirmed. Many of Uday Hussein's employees found new masters over the years since my flight from Iraq, some work for the US intelligence services, some for the UK, but no matter how they may try to discredit me and my story the facts remain and as you now know I had already put them on paper in 1992, eleven years before the regime fell. I did not have a crystal ball to know all these things, I knew them because I was there, that was my life. Uday's employees have admitted in the Western media to being Pimps for him, they also admit to working as spies against him for the US and the UK intelligence services in return for citizenship of the respective country, what I ask is this, If a man is willing to sell women to a man that he knows to be a sadist, if he is willing to sell his country and himself, is it not then conceivable that he will sell his soul and say anything for money? I have paid a high price for my refusal to co-operate with the intelligence services, the CIA in particular, after twenty years in the West I am still stateless, I cannot return to Iraq because the new Government consider me a colaborator of the Hussein regime, although while they were in oppossition to Saddam they found my book to be a useful tool against him and his regime. Saddam while in power considered me a traitor. I do not regret my decision to leave Iraq or write my story, but I have not found the Western governments to be as open and democratic as they were portrayed to us in the Middle-East. In my search for a new counry to call home, I have found that those whose story is a fabrication are given the protection of the state as they are no threat, money is their only goal in life so they will not rock the boat', while I, who have an opinion and voice it openly (that is probably my biggest problem) am ignored, refused and while not told to leave am not made especially welcome either, I am tolerated. I do not nor did I ever seek fame, I have not made money from my story and if I do it will go to charity. It amuses me how the tables turn, when Saddam was in power my book was held up in the US Congress and given as a reason for Saddam's removal, now that Saddam is gone those that once used my story for their benefit have tried to denounce me, I have been interviewed by the world's biggest and best names over 1,800 TV, Print and Radio, journalist's who do their research and know who to ask for opinion, the old guard who took pride in their work and valued their reputation. While there are still some true journalists out there many work to order if their editor wants a specific story they make it, true or not, there is no oversight. Although it was never my intention, this book has been used as propaganda for the War on Iraq, my intention when I wrote it was to open the eyes of the world to the horrors and atrocities committed by the regime and to spur the Iraqi people into action. It will always disturb me that the Iraqi people never had a chance to participate in The Arab Spring and depose Saddam and his regime themselves, It may be a very different place today if they had had the chance to do so. Best regards to all, Latif Yahia . --A note from the Author.In Iraq, where political leaders have traditionally been the targets of assassination, there exists an institution called fidai (body double). The author, who bore a remarkable resemblance to Saddam Hussein's oldest son, Uday, was pulled out of the front lines during the Iran-Iraq War and transformed into an exact likeness of Uday. From that va --D. Smith, wall street journal.In Iraq, where political leaders have traditionally been the targets of assassination, there exists an institution called fidai (body double). The author, who bore a remarkable resemblance to Saddam Hussein's oldest son, Uday, was pulled out of the front lines during the Iran-Iraq War and transformed into an exact likeness of Uday. From that vantage point he was, he reports, privy to all the machinations and horrific excesses perpetrated on the Iraqi people by the family and government of Saddam Hussein. After serving in that capacity from 1987 to 1991, Yahia was imprisoned and tortured before being released?then fled to Europe, where he still lives. The author's message seems to be a warning to the rest of the world: If you thought Saddam was a cruel tyrant, just wait until Uday takes over! Although this work is easy enough to read, it is filled with graphic details of torture, murder, and rape. Recommended only for large collections in the subject area.? --David P. Snider, casa Grande P.L., Ariz. Library JournalThis is The Story of A man who knows too Much... He Looted Kuwait, Survived Assassina - Tion Attempts, and was at his Boss Uday Hussein's Side During Some of Iraq's Grisliest Moments. --D. Smith, wall street journal.
Totally Free Deals
g: 0 Posted By: archena
Views: 73 Replies: 0 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase.YouTube Video Marketing Secrets Revealed: The Beginners Guide to Online Video Marketing [Kindle Edition] was $9.97Montina "Sparkwisdom" Portis (Author)http://www.amazon.com/dp/B00E34F0ZOPublication Date: July 21, 20136 Reviews ★★★★★#1 in Kindle Store > Kindle eBooks > Business & Investing > Management & Leadership > Training
Do you want to be a YouTube Rockstar?
Do you want to get more views and subscribers on YouTube?
Do you wish you could get your YouTube videos to rank #1 in Google and YouTube?Want an EASY to read, simple to implement book that will empower you to make the impact on YouTube that YOU want? In life, we are all looking for a roadmap and Montina "Sparkwisdom" Portis has done just that for you. She started on YouTube in 2009 and in a few short years has built up a strong subscriber base of over 10k and has over 1.5 million video views. This book will teach you not only how to share your business, life and build memories - it will show you to make PROFITS doing it with YouTube video marketing.Ready to learn the #1 Mistake People Make and How You Can Use it to Your Advantage so that You Can Get More Views & Subscribers, Build Traffic and Make Money Online?According to YouTube statistics,
-More than 1 billion unique users visit YouTube each month
-Over 6 billion hours of video are watched each month on YouTubethat's almost an hour for every person on Earth, and 50% more than last year
-100 hours of video are uploaded to YouTube every minute
-According to Nielsen, YouTube reaches more US adults ages 18-34 than any cable networkThis book is for the person that:
*Is interested in YouTube but does not know how to get started
*Wants to see results in their YouTube Video Marketing
*Is an intermediate or advanced user that wants to get even more views and subscribers and learn how to build traffic
*Internet Marketers and bloggers that want to know how to effectively use YouTube in their video marketing in their strategy
*Wants to learn 12 ways to increase their YouTube views, grow subscribers, drive traffic and build a list
*Wants to use YouTube and video marketing to market their business
*Wonders how they can get more views and subscribers
*Wants to get their message of hope out to the world and has no idea where to start
*Dreams of sharing a message of hope with the world
*Wants to learn how to build traffic to their website using YouTube
*Wants to choose the best title for their videos
*Is curious how to make money online through YouTubeSecrets will be revealedHere are some of the questions that are answered:
- How do I get more traffic to my website from YouTube?
- Please help me understand how Google monetizing my video is going to make me any money because I'm not seeing it.
- How do I optimize my site for more traffic?
- How do you keep people engaged?
- I'd like to know to choose an Intro/Outro and how to get a good video quality without buying a DSLR.
- How the search algorithm works so I can optimize my videos for the search results.
- How to get more views on the channel.
- How do I get more subscribers?
- How to use this platform to reach ideal clients.
- How to grow my channel and create dialogue with the viewers
- For the people that make money from using YouTube (mainly people without a personal/business website) what are their secrets/tip to doing so?
- How do I get my videos to show up on the first page in my topic?
- How I can I use it to build my business?What youve done worked for you but how do I know it will work for me? That is a self-limiting belief! Video marketing is proven to work! I already have a You Tube Channelwhy do I need to do this? You dont. You can spend 4 years figuring out what works like she did or you can put a plan in action to be intentional and learn how to make money online. I have a channel with no views. Why are you still reading this? Get the book!About the Author: Montina "Sparkwisdom" Portis is a "YouTuber" and teaches part-time entrepreneurs how to achieve full-time success so that they can create content, build traffic and convert their passion into profits! Montina Portis is an employeepreneur that specializes in Social Media, Video Marketing, Podcasting, Passive Income Streams and Teaching Online.About the Author
Montina teaches part-time entrepreneurs how to achieve full-time success so that they can create content, build traffic and convert their passion into profits!
Montina Portis is an employeepreneur that specializes in Social Media, Video Marketing, Podcasting, Passive Income Streams and Teaching Online.
Books & Magazines Deals
Game Giveaway of the Day - Facebookeria (for Win & Mac)
Added on : Saturday July 27th 2013 06:00:10 AM
g: 0 Posted By: remick
Views: 81 Replies: 0 http://game.giveawayoftheday.com/facebookeria-for-win-mac/Facebook is ready for IPO and everyone wants its shares. Shoot Mark Zuckerberg and feed greedy capitalists with equities and money!Features:Awesome physics game!
20 addictive levels with different approaches.
Achievements and highscores.
Highscores and awards.
Computers & Software Deals
g: 0 Posted By: Echo5Zulu
Views: 90 Replies: 5 All,After having read the FAQ and done a diligent search of the forums, I have not found anything that can satisfy a somewhat unique inquiry. That being said, I'll dip my toes in the FW water and see if my diligence was adequate enough (go easy on me!).I'll make this as brief as possible. First time home buyer. I'm a veteran and used my VA home loan to purchase a 170k house. Not having to put anything down (VA guaranteed loan terms) allowed me to not dip in to my emergency / savings accounts, and still have enough capital left to purchase appliances, paint the interior, make the house our "home", etc. After a home inspector gave us a positive report of the home, I was confident that very little work was required on my part with the home. Without going in to the absolutely crazy details, it turns out that this log home has significant log rot, water intrusion, drainage issues, dangerous chimney problems, and black mold infestation. The reason these things weren't detectable by myself was because the previous owner used log chinking to reshape rotted logs on the exterior of the home. On the interior, they installed dry wall over the log rot, mold, and termite damage. The drainage issues appear only after a hard rain. The chimney had a crack, but I was told it was a minor stress crack... turns out it's a thermal crack, rendering the chimney / fireplace useless. The roof leaks, among other things. While much of the damage and problems with the home were concealed intentionally by the previous owner (this is not assumption on my part... I actually found mold treatment products and scraps from the building material used to cover the damage in a locked shed on the property), the insurance claims adjuster told me that there are tell tale signs of issues with the home that the inspector should have caught and annotated in his report (which he didn't).Long story short; I haven't been in the house 2 months (haven't even made my first mortgage payment) and there is no way I can afford the repairs to the home. I've gotten a lawyer (an expensive one), filed a lawsuit, paid the legal fees upfront, and informed the Department of Veterans Affairs. I filed a claim with my lender (who told me to go pound sand), and got estimates for all of the repairs that need to be made to the home. The previous owner is being sued for breach of contract, intent to misrepresent the condition of real estate, and some other legalities. The inspector is being sued for negligence. The lawsuit could take a year. I have my third child on the way... due in 6 weeks. The house is not safe for my family, but the codes office will not condemn it without a positive lab test of the toxic variety of mold (which I cannot afford at the rate of 3 thousand dollars). I have already spent my emergency money and savings trying to make the house at least livable for the duration of the lawsuit, but I'm at the end of my money and there is still about 7 thousand dollars worth of work to be done before the baby gets here. I haven't even begun to purchase baby stuff for the "thirdling" yet. /sigh/Keeping the home is not an option. I cannot bring a baby back from the hospital into these conditions. If I get the things done needed to make the home livable, I will be so far in debt, that much of what I may or may not win in the lawsuit will go just to recouping those losses during this year waiting period. In the meantime, my house will still have giant holes straight through the rotted logs, moist conditions perfect for regrowth of mold, slowly worsening condition of the overall structure, making damages more costly by waiting.Don't get me wrong here... I am all about personal accountability as an investor. I made a contract with my lender, and under normal circumstances, I would hold my self to this obligation come hell or high water out of principle. However, I feel I did my due diligence in ensuring the home was to standard. I had a report from two inspectors / appraisers agreeing with the condition / value of the home. What was done by the previous owner was criminal. The inspector I originally hired was negligent in his job. The lender has told me that they cannot help out unless I legally prove breach of contract (essentially... "go through the lawsuit, then we may or may not help). The VA told me I'm not only out of luck with them, but that I'm screwed out of the VA Home Loan benefit now because the difference between the purchase price and actual value with the damage will come out of any future guarantee I try to get with them (basically, my benefit that I fought in Iraq for... is gone). Nobody wants a piece of this. I'm being told "tough stuff" anywhere I go, and now, I'm thinking my only option is to give the house back to the bank and foreclose on the house. The lender will most likely come after me for the difference in value versus the purchase price, which I will be trying to get out of the previous owner and original home inspector in the lawsuit.Am I missing something here? I've been researching every possible avenue from here, and it looks like I'm just up a creek. I've budgeted for every possible outcome and there is simply no way to keep the home and not pay a ton of money up front without the risk of losing the home anyway (because I cannot afford it). The urgency comes from the house being unsafe, not being able to run the air conditioner (mold in the unit / ducts / basement /etc.) while my pregnant wife and children are in this Southern July heat, and a baby making landing in 6 weeks... with no money left over... period. I'm still active duty military, but just found out I'm being medically discharged. So on a relatively crummy paycheck (compared to what I was making in the civilian world), with potential loss of employment... am I overlooking a way around / out of this? I've researched the laws and contract front to back, top to bottom. My lawyer gets back in town in a few days, but when I approach him with the idea of walking out on the home, I want to be armed with sound FINANCIAL advice so that I can consider the legal stuff and make good decisions based on both aspects of this issue.Please no patronizing or flaming... I'm really looking for any sort of realistic analysis from money smart, experienced folks... and I'm already having a hard enough time with this. Your time in reviewing this ridiculously long post is GREATLY appreciated and of the utmost value to me. Thank you.
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Hit by an uninsured motorist
Added on : Thursday July 25th 2013 05:00:10 AM
g: 0 Posted By: wolferanger
Views: 82 Replies: 2 My wife was recently in an accident, in which the other driver rear ended her and claimed total responsibility. They exchanged insurance info etc. Later that night my wife filed a report with our insurance company. The other driver attempted to do the same only to discover that her insurance had lapsed a month earlier. Since the accident the other driver has contacted us several times requesting to pay for the damages directly and to try to avoid it going through insurance. I do honestly believe that the other driver was not aware that her insurance had lapsed (not that it justifies it). The woman was the one that called the police at the scene to report the accident, she shared all of her insurance info, called her insurance company to file a report. Therefore, I am somewhat sympathetic to her situation. My wife is not currently exhibiting any medical related issues to the accident. We took our car to the repair shop and got a detailed estimate for the damages. The other driver is asking that we allow her to pay the shop for our damages. Part of me wants to allow her the opportunity to do so and avoid further ramifications from the accident. However, my primary responsibility is to do what is the best interest of my family. If I allow the other driver to pay the shop, and my wife or the car later experience problems related to the accident I know it will be much more difficult to recover any damages. Also since we have already reported the incident to our insurance company even if the current repairs don't go against my uninsured motorist policy, isn't this other driver already going to be reported to the state? How does letting her pay for damages now effect my ability down the road to address future related issues? We do have a claim number so I would assume we could go through the insurance under this claim for a designated period of time, or am I mistaken? I know the easiest/safest course for me is to just let everything run through the insurance but I feel compelled to try and at least investigate all the angles and help this woman if possible as long as it doesn't jeopardize us.Any insight or suggestions would be appreciated.Thanks
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Capital gains on deceased grandmother's house
Added on : Tuesday July 23rd 2013 03:00:17 PM
g: 0 Posted By: maxfleischer
Views: 94 Replies: 2 Thanks in advance for all advice.My grandmother passed away a couple of weeks ago and left her house to my mother and my aunt (my mothers sister). Long story short, my mother wants to turn her half of the house over to my sister. House isnt worth a lot maybe $80K or so. Estate taxes/inheritance taxes are not an issue (estate is waaaaaay under limits). My sister wants the house and will buy the other half from my aunt and uncle. Aunt and uncle want to use a Realtor, get an appraisal, etc. My question is this (actually, two questions): 1. Am I correct in thinking that the basis for capital gains for my mom will be set at the homes market value when my grandmother died (Im assuming its in everyones interest to get an appraisal then?)? 2. And second, if my sister buys the house for $80K but only pays $40K to my aunt, will the value of the house for my sisters capital gains purposes be set at $40K or $80K? Or, if they intentionally sell the house under value so my sister can buy it, will she need to get an actual appraisal to establish the true basis (and if she fails to do so, what are the possible repercussions)?Again,thanks to all in advance.
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Paypal Wants to Divorce Me
Added on : Wednesday July 17th 2013 11:00:08 AM
g: -1 Posted By: BeanTech
Views: 304 Replies: 9 Anyone remember those $15 FAR mobile card readers that Staples was selling?
You could get 3 rebates per paypal account...each for $15.I purchased 12 total from Staples in 3 different transactions. This was back in February.
Redeemed 3 rebates per each of mine and the wife's 2 accounts (premier and personal). All of this was within the legal terms of the rebate, which stated 3 per eBay account, not 3 per person or household.Today, received notice via email that accounts are 'limited'.
Called up, and the 1st rep. said they couldn't discuss and had to transfer to another dept.
2nd rep. said it was indeed the purchase of the readers that caused the limitation on the accounts. He claimed it was viewed as too much risk and that Paypal did not want to continue our romance and I should find another provider. I told him I wasn't satisfied with that answer and asked to be escalated. He got a 'supervisor' to continue the call. The supervisor was nice, and asked what other questions I had. I asked why I was being shutdown over a rebate that I was legally entitled to receive. She asked why I had purchased so many readers and had not used any of them...and that they viewed it as too risky, since they did not know where the readers were or how they were being used. She seemed sympathetic, but she said the company just doesn't want to do business with me anymore. I told her that seemed very short-sighted over 12 $15 rebates that I was entitled to receive. She seemed to be willing to get a reconsideration for me.....put me on hold for 5 mins or so. When she came back, she said the person she needed to talk to wasn't available, but they would be in the morning. She took my number and said she would call back, but she couldn't guarantee anything.It doesn't really bother me if they keep me closed....I can survive without paypal. But it does bother me that they are attempting to close me and treating me like I did something illegal or against their terms.If she can't help me when she calls back, I will be sending a letter to the headquarters in CA to plead my case.
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Need Help: W2 vs W2 Contract Employee vs 1099 Contractor
Added on : Sunday July 14th 2013 03:00:09 PM
Long time lurker here looking for some advice. I'd rather not say the name of my former employer but it's well known in the health care IT community as a company that burns out employees quickly. I wound up leaving just north of two years in, which is actually very common for this company. My one-year non-compete agreement ends in 6 weeks and I'm able to enter consulting. This is a very striving marketplace and people with my skill set and certifications are in high demand. I should easily be able to pull in $100k on the low end which is nice for a 27 year old. I also have a few years of healthcare management experience and a healthcare related degree, which is rare for someone in my position. Most employees hired by my former employee have non-industry degrees such as art-history and other silly unrelated things. Then the clients get pissed that these employees don't know how a hospital runs. Surprise, surprise.That's all spilled milk and now I'll be able to take my few years of healthcare management experience, related degree, and two years of health IT experience and go into consulting. All of my friends who left and went into consulting got 10 phone calls within the first day of posting a resume. Apparently my former employer is a top keyword search for headhunters.The problem is that most of these consulting opportunities are W2-based. For the average dumbass former employee of my last company (who is in their mid-20s and doesn't know any better), a W2 job at $110k/year plus "amazing benefits" like $30/month gym membership stipend and top-of-the-line health insurance seems great. And for the average dumbass 24 year old, it would be.Obviously if I am 1099, I have to pay my half of SE-Tax that a W2 employer would otherwise pay. However, it's my understanding 1099 positions pay at least that much more to compensate.But I'm 27, have some financial savvy, and know that making $150k as a 1099, contributing the max plus 25% of net income as employer-contribution of an individual 401k, paying for my own HDHP, maxing out an HSA, writing off a second maxed-out phone as "business" while I maintain a prepaid per-minute plan as my personal phone for IRS auditing purposes, and other interesting tricks is significantly superior.To make matters worse, it seems like another large chunk of consulting jobs are W2-Contractor roles, which from my understanding means that I have the worst of both worlds. I can't collect unemployment between gigs and I can't contribute to an Individual 401k.Finally, I'm of the impression that as a W2 based employee, I become salary exempt and when the client needs me to work more than 40 hours a week, I'm screwed - no extra money but my company can bill the client for my extra hours and keep the money themselves. I'd really like as a 1099 if the customer sends me home at the 40 hour mark because I run a few small side businesses that I've stared over the last 11 months of my non-compete period. I can keep them going over 10 to 20 hours per week, so if I keep my consulting gig to 40, then it won't be an issue since I was used to working 80 hours per week at my last employer.I've only just begin my search so I'm sure there's at least a handful of 1099 gigs out there, but so far the first 10 places I found were W2 based. A few places I emailed said they'd consider using me as a 1099, but since I've never worked as one before, I feel like I might get screwed, especially if it's a company that normally doesn't 1099 people. The problem is best defined as: "I don't know what I don't know."I'm hoping the smart minds here can help me figure out what to do. A few issues I have that I don't know the answers to are:a) 1099 vs W2 vs W2 contractor - general thoughts?b) As a 1099, can I require the client to pay me extra for overtime? I know with W2 (non-exempt) work, it's a federal law to pay 1.5x hourly pay >40 hours. With 1099 IC work, I imagine it's not a law, but I can require it in my contract. Along those lines can I hit a second time frame like >60 or >80 hours = 2x pay? With the kind of work I do, it might be a project that the client will want me to work 40 hours per week for a 12 month period and then have me work 90 hours per week for the last 3 or 4 weeks of the project as it finalizes.c) How do travel reimbursements usually work for 1099s? I'm certain with a W2, the company takes care of everything. With a 1099, do I usually have to bill the client directly, or does my "consulting/staffing" company handle that as part of their cut?d) Does the kind of job I'm describing usually involve a non-compete? I'm pretty sure the correct term for the kind of company I'm looking to work for is a "staffing company". It's not a Consulting Firm like the big 4 (e.g. Deloitte) that W2s you, overworks you, bills the client hourly, and sends you different clients every week. With my kind of work, it will be one hospital that wants to hire me on a 6 month contract term (that may be extended at their discretion) to do a certain project role, and this hospital client will want to do a brief interview with me to ensure I'm a good fit. I imagine this interview is less intensive than a regular hiring interview because the hospital is assuming the staffing agency performed full due diligence on me.e) What other questions and considerations should I be making that I might have forgotten?Thanks so much for any help.
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House sale fell through -being sued -update
Added on : Saturday July 13th 2013 03:00:04 AM
I wanted to update those interested on what has happened so far. I had stopped posting, because I was worried the seller maybe also on this forum.
Archived topic:LINK
Original post:
A little background- (very long read)
I currently have a home with several mortgages due to (2) 100 year flood, national disasters (one right after another. Lucky me) My soon to be ex-husband is not on my primary mortgage, but is on the deed.
He was pre-approved for a loan and He went to buy a home, a short sale from BOA. The process started in dec 2011. He put 1500 down as good faith money with the normal contingencys that it would pass inspection and he could obtain financing.
in Jan the seller's still could not get written approval from BOA, he extended the contract. Come March BOA finally gave him approval and he order the house inspection. Due to the sellers not putting oil in the tank or winterizing , when the house inspection started the pipes burst from being frozen and the inspector found mold. He then extended the contract hoping they would fix the home. After his agent hassled the other one for weeks asking for info/ update etc, they finally decided to fix the home because BOA offered to pay the expenses. They fixed the pipes at the end of April(yes that long!) and my ex paid to have the house re-inspected. (about 1300 total) . The sellers did not fix the mold, hoping it would pass the assement and the mold could be mitigated later. My ex agreed because BOA closing deadline was getting close. It did not pass the assessment (about $500), so my ex again extended the contract while he awaited the mold to be fixed . BOA insisted that the house must close by the 15th of June. After hassling the sellers agent again, she finally had the mold mitigation done on Jun 11th. During this time he finds out through a friend at the town hall that the town is putting a lien on the house for an unpaid water bill. The agent contacts the sellers agent and they refuse to pay it and then proceed to call the town hall and try to see if they can stick him with the water bill
The mortgage broker ordered another assessment which was finished on the 14th ($75). The mortgage broker put in all the paperwork and tries to push in the closing for the 15th. It can't be done so they push the closing to the 18th with BOA approval. Come the 18th, my ex gets a call from his buyers agent, stating the loan did not go through because he is on 2 of the house mortgages, (due to the floods). These were found by the underwriters doing a deed search. He was not aware he was on the mortgages and because he was on the deed thought when he signed the forms he was just giving permission.( He is not on the main mortgage) In the beginning, He did bring this up to the finance guy when he was running his credit and asked if he was on the mortgages and the guy said no, and In fact they never show up on his credit report.
Now because of the debt, he no longer meets the ratio and the sale fell through. His agent called him in a panic and told him to release his good faith money or that the sellers agent was going to try and keep it and sue him for her out of pocket money. (unknown to him, the sellers agent had paid to put oil in the tank, and paid for all the repairs upfront) My ex tells her he will not release the funds because the contract clearly states he has to obtain financing, or the contract is void and he gets his money back. Plus he feels as though he got screwed out of money because he had to keep getting the inspectors to go back due to her procrastinating , but she tells him that the date of the contract was never extended past March. My husband feels that if the other agent hadnt procrastinated so long the loan people would have found the mortgages and we could have tried to fix it. As it is now Im filing a Quick Claim deed and will try and call the mortgages tomorrow to have a loan novation to have him taking off ( there is no way I can refinance) .
So several questions Does anyone know why these mortgages are not showing up on his credit? Should he release the funds ? The agent has been calling him all day and insisting that he will be sued and it will be expensive. UPDATE:
My ex-husband gave back the deposit. The prepaid lawyer told him that if he gave it back, and the seller accepted it, then the seller would technically give up all legal recourse. Unfortunately, no one explained this to the seller (whom is a lawyer), because he then took my ex-husband and the mortgage broker to small claims court. The seller lost in small claims but then brought it forth to superior court. Both my ex and the mortgage broker, at this point, hired separate lawyers. The seller represented himself, (probably not a good idea). The seller argued that he made the repairs because he was going to get reimbursed by the bank when the house sold. Since the house did not sell, he felt he was entitled to the repair money from my ex. My ex's lawyer argued that: the repairs would not have had to be made if the seller had kept the house in good repair ,(by purchasing oil in the winter), that the bank was supposed to reimburse the seller and that the seller did not have a contract signed by my ex stating he would assume financial responsibility for the repairs. The lawyer also argued that the bank would not have loaned the money without the repairs and that it was up to the sellers real estate agent to have had a contract with BOA for the repair money. After my ex's lawyer reviewed all the contracts, she found that in fact there was a contract that the seller signed stating that my ex would get his deposit back no matter what if the sale fell through. After my ex gets the decision from the court, the lawyer wants to sue the seller for lawyers fees and the deposit.
As far as the house.. the joke is, once it went into foreclosure , (several weeks after this deal fell through),a new relator took the house on and sold it in 5 days for $225,000 . My ex was going to buy it for $184,000. This helps prove my argument that this whole fiasco was the sellers realtors fault.
As far as a mortgage for my ex.. I did a quick claim deed the next day. SBA would not take my ex off the loans nor do a novation. (Dealing with the SBA was a whole 'nother horror show that could fill a forum!)Due to that, my ex could not get an FHA loan but was able to do a loan through TDBank through one of their other programs. He contracted with a new realtor (it was too awkward to use the old one), and he purchased a home , (oddly enough), directly in back of the one he is being sued over! The other ironic thing was this new house also needed some repairs and my ex's realtor had a contractor contract with the bank directly so the repairs were a separate transaction from the sale of the house. That way the contractor would be paid weather the house sold or not. (something the other relator should have done and supposedly she sells multi-million dollar homes!) When the decision from the court comes through, I will update.
Car Insurance Mess, What to Do?
Added on : Friday July 12th 2013 05:00:07 PM
In December 2007, my mother bough a new car. The car was financed with a local bank. In my state, you buy insurance for the car upfront. That is, you pay your coverage for the whole time the car is financed at once, when you buy the car. She paid $1,700 for a policy that would last until she paid off her car. She financed the car to 6 years. That means that she would have insurance coverage until December 2013, or so she thought until this week. A couple of weeks ago, she got a crack in the front windshield. It probably was a small rock in the road, as I can see where it impacted the glass. The crack grew to 3-4 inches before we even noticed it (it was in the lower passenger side, and there is a black tint). After noticing it, she called the insurance company to put the claim and see if they would cover a replacement of the windshield, or if it could be fixed. They told her she had to take the car to one of the shops that do business with them, and they would take a loot at it. When she took the car to the shop they told her that it has to be replaced, can't be fixed.The story gets interesting next. When she called the insurance, they were surprised that she was making a claim, since they had the policy cancelled on their end. She told them that she paid for insurance until December 2013. They told her that the insurance was cancelled on 2010, and that they send notification to the bank. The bank was the one that made the original paperwork for the insurance coverage, etc. But it was the dealer, where she bought the car, who offered her the insurance, and who took the information of my mother, and gave her a copy of the insurance policy she was buying. Apparently the insurance was cancelled because the physical address on the insurance policy was different from the address she lives. They found that out back in 2010 because my mother had a claim for some small accident, which they covered. Apparently the policy is more expensive where my mother actually lives, vs what they had in the policy. But that mistake was not my mother's fault. My guess is that the dealer made the error, but it could have been the bank too. And the address error is only in the TOWN where she lives. Everything else is correct. Also, the insurance company has the correct postal address, the physical address is incorrect. They should have noticed that the two addresses were the same, it was an error they could have noticed. Back in 2010 the insurance sent notification, to the bank, not my mother, that my mother had to pay $400 on top of what she already paid (change of address price increase), to continue with the same coverage, or the policy was getting cancelled. Since my mother did not receive this notification, she did not pay the money. And I don't think she has to pay it, since this mistake is the dealer's or the bank. She was given a price for a policy, in which she gave her correct address, and she paid what they said the policy was worth. The insurance company extended her the policy until July 15, 2013, since they at least understand that they did the mistake of not notifying her that the policy was being cancelled. They are letting her put the claim on the broken windshield (since now the policy is valid until July 15, 2013), but they are paying for a substitute windshield, not the original one. Basically the insurance will pay for a $300 job when if they had approved the manufacturer windshield, it would all cost $900. My mother is upset because she wants the windshield that came with the car. They claimed the car was old, which is B.S (car has 30k miles). My mother said the car is not even paid off. She also mentioned that the original one is safer. My mothers deductible is $250, so basically the insurance would cover only $75. That and the previous claim would put the insurance out of pocket at $175. My mother thinks it's unfair since she paid $1,700. I agree with her, she should get the same windshield that came with the car.My mother just wants two things: to have her insurance valid until December 2013, as prior agreement AND to have the insurance replace the cracked windshield with the exact one (not a cheap one). So what should she do to achieve this? So far the insurance has been playing hard and have been taking too long to resolve it. Extending the policy until July 15, 2013 is not going to fly with me, and paying $75 while my mother puts $250 deductible for a cheap windshield is also out of the question. It seems like the insurance should determine who made the error in the address of the policy (the bank or the dealer) and reach an agreement for the $400 extra. They do business all the time, particularly the dealer, who brought my mother as a client. Regarding the windshield, I don't know how insurances determine if the cheapest windshield is fine or if they have to cover the same part. My mother has a mess and can't find the paperwork, and I'm sure that if she asked the insurance for the paperwork, they would give her the wrong ones. I don't trust them anymore. Maybe the answer is that the windshield has to be what they say, maybe not. I want your opinions. Also, funny thing, the representative of the insurance who talk to my mother said that if she got a lawyer, she would win the case. I would like to avoid that, but sometimes it is the only way to move forward and make this company do the right thing.I know it is a Friday and all, so sorry for the long post. But it had a lot of details that I'm sure I would get asked down the thread. So there it is. Thanks for any help in this issue. Have a nice weekend everybody.
Renting Shop Space Gone Wrong - Advice Requested
Added on : Tuesday July 09th 2013 08:00:03 AM
I started renting space in a private shop/garage about two months ago. Rent is $300 and that gives me access to a sand blasting booth, air compressor and any tools I don't have. Owner is brother in law of one of my co workers. I needed the space because I'm restoring my grandfather's truck; I live downtown and don't have anywhere I can work on it. I knew that the owner was very particular going into the agreement. Signed for a month/month lease where I work on the truck outside but store my tools/parts indoors.Fast forward a few months. Owner has become increasingly particular about how he wants the shop kept up. Takes issue with me leaving a little bit of dirt from hand soap in the sink (I didn't notice it and the outside of the sink is filthy [From lack of cleaning before I got there]). Wants me to turn off all valves when I leave (The compressor is already turned off and will leak down anyway). Wants cords put up a certain way, wants me to vacuum every time I go outside, ect... In general just being excessive. I used his make shift paint booth to spray epoxy on some parts. Due to the design of his booth some of the epoxy got out and onto one of his cars. The only way to even know the epoxy is there (You can't see it) is to run your hand over the car, you basically feel the dust of the epoxy. He flips out. OK, my mistake, I shouldn't have painted in his booth when he wasn't there (Even though this was allowed). I offer to clay bar his car for him to get the epoxy off, he doesn't want that. Offer to pay to have someone detail it for him, he doesn't want that. Now he doesn't want to cash my check and isn't sure he wants me there.I understand if he doesn't want me there, I honestly don't want to be there anymore anyway. The problem I have is my truck is immobile at the moment. I have the rear end, bed and entire back portion of the truck apart. I can move all of my stuff but I don't know what to do about the truck itself. He had the blow up last Wed (7/3) and I haven't been by since, I've been waiting on him to call me. Since I'm not technically living there what kind of options do I have? Does he have to give me 15 days notice? Or am I just screwed?
Any advice would be greatly appreciated!
https://www.educents.com/national-deals/deal/family-music-curric...Dont know Beethoven from Brahms? Cant read music? No problem! Beethoven Who from Marcia Washburn shows you how to unlock the mysteries of musical notation with your whole family. Enjoy hands-on activities with your children as you explore songs together and grow comfortable using the vocabulary of music. Discover classical, traditional, folk, patriotic, and sacred music, and tie in this curriculum with other subjects and interests. Beethoven Who will guide you and your family into the wonders of music reading, music listening, and music making!Who is it for?People who dont read music (or who need a refresher)
People who dont know much about classical music (or who need a refresher)
Private music instructors who want to supplement their students lessons
Homeschoolers who are looking for a quality, inexpensive music appreciation course
Anyone who enjoys music and wants to expand their understanding
Is buyer unreasonable requesting 5.5K ?
Added on : Monday July 01st 2013 09:00:11 AM
Sorry for the wall of text. Buyer did not ask about fixing any of this, but wants a $5.5K credit for repairs. Does not seem reasonable, but want feedback from FW. What would be reasonable?00201 Driveway Concrete with cracks noted, suggest properly sealing cracks to prevent future/further moisture penetration.00202 Walkways Concrete with cracks noted, suggest properly sealing cracks to prevent future/further moisture penetration. Gap noted under the front steps. Suggest backfill00204 Stucco. Suggest keeping all seams/cracks in stucco properly sealed to prevent moisture penetration/deterioration. Some seperation noted between the stucco and faux stone siding at the front entry area. Suggest contacting a qualified contractor for further review and repairs as needed.00205 Extensive vegetation and overgrowth noted at the front right. This can promote moisture damage and wood deterioration to the siding and structure which is not always visible to the inspector. Suggest trimming/removal of vegetation to prevent damage to the home. This was a limited review of this area. My comments: I will trim the bushes. max 10 min
Weathered paint noted. Suggest house be re-painted in the near future as part of normal maintenance.00206 Trim Suggest client consider painting and sealing trim as part of routine maintenance to prevent moisture deterioration. Weathered paint and surface cracking noted at the trim around the front windows and garage doors. Suggest repairs and painting as needed. Minor deterioration noted to the trim under the rear middle breakfast area window.00208 Windows & Frames Damaged thermopane seals at at the front entry windows to the left and right of the door. These seals can not be repaired. Suggest contacting a qualified contractor for replacement of these windows.00209 ElectricalFixtures.The GFI outlet on the wall behind the patio steps will not reset. Suggest contacting an electrician for replacement of this outlet.00209 Electrical Fixtures. Light bulbs in the flood lights at the front entry have been caulked and sealed into the light fixtures.00210 Gutters & Downspouts.Suggest client ensure that gutter extenders are properly in place and secured at all times to the downspouts to ensure proper drainage away from the foundation.00213 Exterior Doors Door damaged at the rear screen door. Deterioration noted to the bottom corners of the front door frame. Suggest repairs/replacement as needed.Front exterior Door rubs on the door frame and the rear door hinges are loose. Suggest repairs/adjustments as needed.00215 Lot/Grade Drainage Adding dirt backfill to any/all low lying areas located around the foundation is recommended to ensure proper drainage away from the foundation at all times and assist in preventing moisture penetration into the foundation/basement. My comments: It has been this way since the home was built.00602 Flashing Flashing appears to be improperly installed at kickout flashings above the gutters on the front of the house to the left and right of the front entry. Suggest review by a licensed roofer for repairs/replacement as needed. My comments: It has been this way since the home was built.00706 Ventilation The attic is vented with ridge, roof and soffit vents. The combination of the ridge and roof vents could cause the roof vents to become intake vents for the ridge vents. This can cause moisture entry. Contact a roofer for corrections as needed.The openings for the ridge vents appear to be too small or have not been made. My comments: It has been this way since the home was built.00809 Garage Door Garage door is a roll up panel. Deterioration noted to the bottom garage door panels and to the trim on the garage doors. Suggest contacting a qualified contractor for further review and repairs/replacement as needed.00909 The dryer vent pipe has come disconected in the attic. Suggest repairs as needed.01002 Stairs Missing railing noted. This is a safety concern. Suggest client consider installation of handrail to enhance safety.My comments: It has been this way since the home was built01005 Basement Joists have been improperly cut at two areas near the front main support beam. Suggest review by a qualified contractor for repairs as needed. My comments: It has been this way since the home was built01208 Hail damage noted to the A/C coil fins. Suggest contacting a HVAC contractor for repairs as needed.01308 The sump pump drains too close to the foundation. Suggest routing the sump pump drain line 6-8 feet away from the foundation to ensure proper drainage. Suggest installing a back up sump pump and battery.My comments: It has been this way since the home was built.02406 Windows Screens Missing. two window screens noted. My comments: Will fix self
http://www.newegg.com/Product/Product.aspx?Item=N82E16811121124&...HEC Vigilance Black 0.5 mm Thickness SGCC MicroATX Mini Tower Computer Case with Dual 8cm Fan, 2x USB2.0 and HD Audio The HEC Vigilance is a MicroATX mini tower case that combines performance and function into an affordable package, ideal for building an inexpensive system or those who wants to spend money on the inside. High glossy front bezel with big power button and conveniently placed USB/Audio ports facilitates your daily use. Inside you'll get enough space for your MicroATX motherboard, multiple drives and expansion cards. Beyond your expectation from such a cost effective case, dual fans are pre-installed ensuring exceptional heat dissipation.
Newegg Coupons
Woot Bin Panel set, could save more when you buy without set
Added on : Thursday June 27th 2013 09:00:03 AM
Certainly it might not be as good as it looks but here is thing you could save few more bucks if you wants these bins with sets.Original item listed as:
Storage Bin + Louvered Panel - Choose Your Size for $54.99
Storage Bins Set: Panel and binsHere some of the items listed from the same set above, but if you add them individually you could save few more:
Individual item Bin, Panels
but if you pick them individually on Woot they will be $5 cheaper, as you all know shipping is always $5 on woot, no matter what you ordered.
woot! Coupons
For forty years, you started your day with usHoney Dew wants to thank our customers who have made us a part of their lives.Celebrate our 40th Anniversary. Get a featured item for a special anniversary price every Friday in June*.Friday, June 7th is 40 Iced Tea any size
Friday, June 14th is 40 Confetti donut
Friday, June 21st is 40 Cinnamon stick
Friday, June 28th is FREE medium hot or iced coffee* Plus tax. One item per person per visit at participating locations, while supplies last.Thank you for 40 great years and heres to being part of YOUR day for the next 40!!http://www.honeydewdonuts.com/promotions
LG Front Load Washer/Dryer
Added on : Monday June 24th 2013 05:00:03 AM
I am in the market for Washer/Dryer. My wife wants a front load set. Yesterday I was at Lowes and the sales person recommended the below set. I also did a brief research on this one, it has a 4.8 (out of 5) rating on all the sites. Both have steam wash/drying capability.LG WM2650HWA - Washer
LG DLEX2650W - DryerCost is about : $1400.00 (incl tax)
+5Yr Extended Warranty (on both): $180.00
Rebates : -$100 (AEP $50, Lowes $50)
Chase Lowes Credicard Rewards 5%: -$80
Net Cost: $1400.00 (Free delivery but hookup is not included).I have checked other retailers (BestBuy, Sears, HomeDepot) locally, they are ready to match the price but not the rebates or cost of extended warranty. Before pulling the trigger, I wanted to check here to see, if I am missing anything.
Lowe's Coupons
Tracfone Alcatel A382g at Amazon $20 free ship
Added on : Sunday June 23rd 2013 01:00:04 PM
Amazon has the Tracfone Alcatel A382g for $20. I have been watching this phone for a while and saw it on sale at Dollar General for $20 but the link did not work and they wanted $30. Tracfone wants $40. Amazon has free shipping with a $25 order so you may want to add some filler. The phone is basic but, with large buttons, it is ideal for older folks. It also includes double minutes for life. My plan is to add minutes to the current 3 year old Tracfone which has triple minutes. I will then transfer those minutes to this phone, thus converting it to a triple minute model. Amazon also offers this phone with a 400 minute/1 year card for $90. The 400 minutes gets doubled so a year of service and 800 minutes of usage costs an incremental $70 vs around $99 on the Tracfone website. We have used Tracfones for 7 years all over the country and are happy with them, especially at $8 or less per month.Link for PhoneLink for phone plus 400X2 minutes
Amazon Coupons
MAGMA Cabo Gas Grill $119.99 + Free shipping @ westmarine
Added on : Saturday June 22nd 2013 07:00:03 PM
MAGMA Cabo Gas Grill $119.99 + Free shipping @ WestMarinehttp://www.westmarine.com/webapp/wcs/stores/servlet/Product1_111...Extremely versatile to suit your needsWith a large, domed lid with a stay-cool plastic handle lets you grill, roast or even bake foods. And with 162 sq.in. of cooking area, the Cabo is large enough to cook up enough to feed the whole crew. One of the great things about the Cabo is that its not just for use on your boat. Its fold-away tabletop legs are great for use on your deck or patio as well. And its safe to use, too. A swiveling control valve/regulator allows quick, safe fuel canister exchanges. The Cabos easily regulated 11,200 But heat output gives you complete heat control so your meals come out just right. The Cabo uses standard 1lb. propane canisters or adapts to on-board LPG or CNG systems.
Designed and built for years of onboard service
No one wants to cook a meal on a nasty rusted, corroded old grill. And with the Cabos double-lined, 18-9 mirror-polished stainless steel construction, you wont have to! This 9" x 18" LP gas grill will withstand season after season of on-deck use.
Additional accessories expand the Cabos functions
Optional serving shelf with cutting board easily attaches for bonus serving space and instantly detaches for easy cleanup. West Marine also sells multiple mounting options, as well as a variety of grill covers to keep your Magma grill protected over the long haul. Form Factor: Rectangular
Burners: Stainless steel
Heat Output: 11,200BTU
Cooking Area: 162 sq.in.
Case/Kettle Material: Double-lined 18-9 mirror-polished stainless steel
Temperature Controls: Variable gas control valve
Overall Size: 22-1/2"W x 10"H x 11-1/2"D
Warranty: One year
West Marine Coupons
12 Free Fiction Kindle eBooks @Amazon
Added on : Saturday June 22nd 2013 09:00:07 AM
Hidden Moon http://www.amazon.com/Hidden-Moon-Keeper-Saga-ebook/dp/B00D1DL6B...
Seventeen year-old Nikki Harmon knows that her life will never be the same. Forced to move after her father's death, she was determined to keep what was left of her life together--even if she couldn't get cell service. What she didn't know, was that she would encounter mythical creatures in her quest to solve the mystery of the Trail Killer, and that she would be torn by her feelings for two very different guys. As she unearths the deadliest secrets of all...will she lose her heart to one of them? Or will she lose her life?A Dress In Red http://www.amazon.com/A-Dress-In-Red-ebook/dp/B00DGAJV06
Love, betrayal, murder...
Mary Klingforth is an awkward seventeen-year-old girl with love on her mind and a crush on the most popular jock in school, but the Candy Apples mean girls gang torment her and stand in the way of her dreams. Then one day, Mary falls madly in love with a tattered red velvet dress at an estate sale. Despite its condition, Mary just had to have it. Marys best friend, Lisa, fears the dress from the moment she touches it and sees a sinister presence lurking deep within it. It isnt long before Marys family, friends, and enemies discover what happens when you tangle with a woman wearing a dress in red.You dont own this dress. It owns you.Colin's Boys http://www.amazon.com/Colins-Boys-ebook/dp/B00D5ETP7W
Andrew Stalker is sixteen and is hunting out death on the streets. A year has passed since his brother's murder and he blames himself, feeling that his parents would have preferred him to die instead of Kevin. Andrew is an angry boy with few friends, alienating everyone by his attitude - and because an aura of loathing and the smell of the grave accompanies him. One boy, Alan Turner, wants to help but Alan has a secret in his own past. Then there is the whispering, a commanding and insistent sound that rises from some concealed place beneath the heart, from the point of the soul itself. The central Whisper is Colin, who himself was murdered as a child. It was too soon for him to leave this existence and so he has to wait, suspended in and out of time until his day to die arrives. But Colin cannot rest in peace and he enlists the forces of other whispers to control the minds of the living, seeking revenge on a society that allowed them to die. Andy believes that Colins whisper is the product of his tormented imagination but he comes to realize that it is a part of his life - and of how many lives Colin will destroy to satisfy his thirst for revenge. Yet someone else is walking the streets, someone alive, someone whose only mission is to leave a trail of destruction and brutal deaths as he once more passes through the town.When It Reigns http://www.amazon.com/When-It-Reigns-ebook/dp/B00DHSIPUO
In the sleepy community of Ravenswood Illinois, Detective Logan Crenshaw becomes entangled in the brutal slayings of two sisters. When the body count rises, secrets buried deep within his subconscious begin to surface. His only salvation is a childhood friend turned priest.
When It Reigns is a psychological horror linking a killer, detective and priest; with sexual taboos, demonic possession, religious strife and paranormal activity. The Haunting of Tyler May http://www.amazon.com/The-Haunting-Tyler-May-ebook/dp/B009K6WNE6
As Tyler May empties her classmate's bag she discovers a secret that turns her life upside down and challenges her perception of the known world. She begins a journey that takes her from the hunted to the hunter; from a disbeliever to the keeper of the truth. Will she and her friends have the courage to stand together and face the sinister forces that threaten humanity? As each day passes, Tyler must decide how far she is willing to go. After all, she is just one teenage girl.The Damned Summer http://www.amazon.com/Damned-Summer-Ruin-Trilogy-ebook/dp/B009OL...
When the paths of good and evil intersect, the resulting conflict can sometimes result in a scarring of the place where it happened. The town of Storm, Illinois is one such place, for long ago, a battle that resulted in a stalemate between the two forces had left a powerful imprint on the soil, an imprint that seems to scream out to the cosmos for a rematch, as if the land yearns for the battle to be finished so it can finally heal. The demon from the original fight hungers for the rematch as well, in desperate need for the prize that was fought for, a prize that seems to have finally returned to the mortal world after nearly 500 years. A prize that is held among a group of teenagers whose main focus is partying and having a great summer before their senior year. Easy prey as far as the demon is concerned. The side of good in this conflict is an ageing Vietnam vet and his small dog. The vet spent his youth running with the demon, but now fights against it every night in the meeting grounds of the physical world and the spiritual world, the place known as dreams. It is in this summer of celebration and sin that the final clash between the demon and the old man with his dog will finally come to an end. A summer where the older generation fights for the souls of the oblivious younger generation. A battle that will not only determine the fate of the teens, but also those close to them as well. The Remnant: Awakening http://www.amazon.com/The-Remnant-Awakening-Immortals-ebook/dp/B...
Karra has lived in the Cresthaven Psychiatric Hospital all her life, convinced that the things that she sees every minute of every day are all a hallucination. On the eve of her sixteenth birthday, Karra learns the truth, that everything she sees is real. Now Karra will enter a world of magic and swordplay whilst she tries to stay one-step ahead of the forces that hunt her. Her journey will take her to the very edge of her abilities and perhaps her sanity, as she learns the intricacies of magic as well as the secrets of her mysterious past.
Beware the shadowsthey are everywhereand they are hungryThe Hiders http://www.amazon.com/The-Hiders-ebook/dp/B0083WH03W
Cora, wakes up in a hospital to find out she died; only now, her body is miraculously healing. Then she meets others who have this same gift. And somehow they know her. They tell her stories of a life she once hada life, they say, she must begin again. They call themselves the Hiders and they are immortal. An underworld of Hiders with their own set of rules, wars, and way of life, walk amongst humans. An entire superior bloodline that has been struggling to remain unnoticed in order that all can live peacefully. Cora finds that here in their world, shes loved and hated. Here, a family and past romances have been awaiting her return yet shes a criminal for crimes she cannot remember. Some have come to protect her and others to destroy her. She must learn why she is special and try to remember her life as a Hider so that she may prove her innocence.Everburn http://www.amazon.com/Everburn-ebook/dp/B006PKXGBO
Ponce is thrust into the center of an ancient wager between the same cosmic leadersSotare and Perfidious, good versus evilwho hold Lencias future in their hands. Through redemption and love, Sotare uses Ponce to try and heal a broken world while Perfidious uses him to destroy it. The love of a woman sent to tempt Ponce will determine the victor and restoreor destroy.
More C.S. Lewis than J.R.R. Tolkien, Bunchs debut is a sweeping epic that strips bare the dangers of conformity and reminds us all that great things can be accomplished with nothing more than devoted friends and unflagging perseverance. His multi-layered allegory has a mythological complexity rarely seen in the fantasy genre, looking far beyond the physical world to expose universal, underlying truths as razor sharp dialogue and well-developed characters drive this rich, detailed world toward its ultimate date with destiny. A riveting journey full of danger, intrigue, and almost unbearable tension, Everburn signals the arrival of an important new voice in the world of fantasy.The Book of Abisan http://www.amazon.com/The-Book-of-Abisan-ebook/dp/B00D1CLT3Q
Do you believe in destiny? When two worlds collide a new hope is born. Yfrey is lost, alone in a world where her kind is persecuted. She has one hope, to find The Roghnaithe, one who is destined to help save her world from destruction by a tyrannical ruler. The Book of Abisan crosses multiple realities to follow the lives of two very different women, as they come together to battle armies, as well as their own personal demons. Step into an exciting world of adventure, magic and alternate realities in this fast paced, action packed fantasy. Ranger http://www.amazon.com/Ranger-ebook/dp/B00DFPQT5W
Ranger is a young wolf, the only survivor of a murderous attempt to kill his entire family, who learns that he has magical powers. This is the story of how he deals with the tragic loss of his family while learning to harness his newly discovered powers to satisfy his innate desire to help others.Beatific http://www.amazon.com/Beatific-Blood-Vampires-Novel-ebook/dp/B00...
I, Constance Ferrer, ached to be more than just a novice vampirea mere underling and fodder to the elite of the Blood Kin, an ancient, powerful, and cunning horde. I thrilled when Psylas, my maker, appointed me to a simple, routine assignment that yanked me well beyond my ordinary reach, finally granting me a chance to elevate in the ranks. But when that feat thrust me to the forefront of an unravelling prophecy, I found myself pitted between vicious factions vying for the possession of the cherished Truth and Peace. Suspicious of the prophecy itself, yet trapped within the sanctuary of its protectors, my previously bleak and mundane existence blooms into a frightening adventure. How does a weak and inexperienced vampire such as myself successfully sift through increasingly elusive schemes? How does she sort out a sudden influx of supposed allies and enemies? How does she determine who or what to fight or trust? And when presented with convenient comfortsCyriel, an epicurean, share-the-fun vampire; his lavish and libertine accommodations; and Huijghe, his strangely enamored and seriously decadent humanshould she dare indulge, if even just for a brief reprieve?
12 Free Kindle eBooks @Amazon
Added on : Saturday June 22nd 2013 08:00:06 AM
Hidden Moon http://www.amazon.com/Hidden-Moon-Keeper-Saga-ebook/dp/B00D1DL6B...
Seventeen year-old Nikki Harmon knows that her life will never be the same. Forced to move after her father's death, she was determined to keep what was left of her life together--even if she couldn't get cell service. What she didn't know, was that she would encounter mythical creatures in her quest to solve the mystery of the Trail Killer, and that she would be torn by her feelings for two very different guys. As she unearths the deadliest secrets of all...will she lose her heart to one of them? Or will she lose her life?A Dress In Red http://www.amazon.com/A-Dress-In-Red-ebook/dp/B00DGAJV06
Love, betrayal, murder...
Mary Klingforth is an awkward seventeen-year-old girl with love on her mind and a crush on the most popular jock in school, but the Candy Apples mean girls gang torment her and stand in the way of her dreams. Then one day, Mary falls madly in love with a tattered red velvet dress at an estate sale. Despite its condition, Mary just had to have it. Marys best friend, Lisa, fears the dress from the moment she touches it and sees a sinister presence lurking deep within it. It isnt long before Marys family, friends, and enemies discover what happens when you tangle with a woman wearing a dress in red.You dont own this dress. It owns you.Colin's Boys http://www.amazon.com/Colins-Boys-ebook/dp/B00D5ETP7W
Andrew Stalker is sixteen and is hunting out death on the streets. A year has passed since his brother's murder and he blames himself, feeling that his parents would have preferred him to die instead of Kevin. Andrew is an angry boy with few friends, alienating everyone by his attitude - and because an aura of loathing and the smell of the grave accompanies him. One boy, Alan Turner, wants to help but Alan has a secret in his own past. Then there is the whispering, a commanding and insistent sound that rises from some concealed place beneath the heart, from the point of the soul itself. The central Whisper is Colin, who himself was murdered as a child. It was too soon for him to leave this existence and so he has to wait, suspended in and out of time until his day to die arrives. But Colin cannot rest in peace and he enlists the forces of other whispers to control the minds of the living, seeking revenge on a society that allowed them to die. Andy believes that Colins whisper is the product of his tormented imagination but he comes to realize that it is a part of his life - and of how many lives Colin will destroy to satisfy his thirst for revenge. Yet someone else is walking the streets, someone alive, someone whose only mission is to leave a trail of destruction and brutal deaths as he once more passes through the town.When It Reigns http://www.amazon.com/When-It-Reigns-ebook/dp/B00DHSIPUO
In the sleepy community of Ravenswood Illinois, Detective Logan Crenshaw becomes entangled in the brutal slayings of two sisters. When the body count rises, secrets buried deep within his subconscious begin to surface. His only salvation is a childhood friend turned priest.
When It Reigns is a psychological horror linking a killer, detective and priest; with sexual taboos, demonic possession, religious strife and paranormal activity. The Haunting of Tyler May http://www.amazon.com/The-Haunting-Tyler-May-ebook/dp/B009K6WNE6
As Tyler May empties her classmate's bag she discovers a secret that turns her life upside down and challenges her perception of the known world. She begins a journey that takes her from the hunted to the hunter; from a disbeliever to the keeper of the truth. Will she and her friends have the courage to stand together and face the sinister forces that threaten humanity? As each day passes, Tyler must decide how far she is willing to go. After all, she is just one teenage girl.The Damned Summer http://www.amazon.com/Damned-Summer-Ruin-Trilogy-ebook/dp/B009OL...
When the paths of good and evil intersect, the resulting conflict can sometimes result in a scarring of the place where it happened. The town of Storm, Illinois is one such place, for long ago, a battle that resulted in a stalemate between the two forces had left a powerful imprint on the soil, an imprint that seems to scream out to the cosmos for a rematch, as if the land yearns for the battle to be finished so it can finally heal. The demon from the original fight hungers for the rematch as well, in desperate need for the prize that was fought for, a prize that seems to have finally returned to the mortal world after nearly 500 years. A prize that is held among a group of teenagers whose main focus is partying and having a great summer before their senior year. Easy prey as far as the demon is concerned. The side of good in this conflict is an ageing Vietnam vet and his small dog. The vet spent his youth running with the demon, but now fights against it every night in the meeting grounds of the physical world and the spiritual world, the place known as dreams. It is in this summer of celebration and sin that the final clash between the demon and the old man with his dog will finally come to an end. A summer where the older generation fights for the souls of the oblivious younger generation. A battle that will not only determine the fate of the teens, but also those close to them as well. The Remnant: Awakening http://www.amazon.com/The-Remnant-Awakening-Immortals-ebook/dp/B...
Karra has lived in the Cresthaven Psychiatric Hospital all her life, convinced that the things that she sees every minute of every day are all a hallucination. On the eve of her sixteenth birthday, Karra learns the truth, that everything she sees is real. Now Karra will enter a world of magic and swordplay whilst she tries to stay one-step ahead of the forces that hunt her. Her journey will take her to the very edge of her abilities and perhaps her sanity, as she learns the intricacies of magic as well as the secrets of her mysterious past.
Beware the shadowsthey are everywhereand they are hungryThe Hiders http://www.amazon.com/The-Hiders-ebook/dp/B0083WH03W
Cora, wakes up in a hospital to find out she died; only now, her body is miraculously healing. Then she meets others who have this same gift. And somehow they know her. They tell her stories of a life she once hada life, they say, she must begin again. They call themselves the Hiders and they are immortal. An underworld of Hiders with their own set of rules, wars, and way of life, walk amongst humans. An entire superior bloodline that has been struggling to remain unnoticed in order that all can live peacefully. Cora finds that here in their world, shes loved and hated. Here, a family and past romances have been awaiting her return yet shes a criminal for crimes she cannot remember. Some have come to protect her and others to destroy her. She must learn why she is special and try to remember her life as a Hider so that she may prove her innocence.Everburn http://www.amazon.com/Everburn-ebook/dp/B006PKXGBO
Ponce is thrust into the center of an ancient wager between the same cosmic leadersSotare and Perfidious, good versus evilwho hold Lencias future in their hands. Through redemption and love, Sotare uses Ponce to try and heal a broken world while Perfidious uses him to destroy it. The love of a woman sent to tempt Ponce will determine the victor and restoreor destroy.
More C.S. Lewis than J.R.R. Tolkien, Bunchs debut is a sweeping epic that strips bare the dangers of conformity and reminds us all that great things can be accomplished with nothing more than devoted friends and unflagging perseverance. His multi-layered allegory has a mythological complexity rarely seen in the fantasy genre, looking far beyond the physical world to expose universal, underlying truths as razor sharp dialogue and well-developed characters drive this rich, detailed world toward its ultimate date with destiny. A riveting journey full of danger, intrigue, and almost unbearable tension, Everburn signals the arrival of an important new voice in the world of fantasy.The Book of Abisan http://www.amazon.com/The-Book-of-Abisan-ebook/dp/B00D1CLT3Q
Do you believe in destiny? When two worlds collide a new hope is born. Yfrey is lost, alone in a world where her kind is persecuted. She has one hope, to find The Roghnaithe, one who is destined to help save her world from destruction by a tyrannical ruler. The Book of Abisan crosses multiple realities to follow the lives of two very different women, as they come together to battle armies, as well as their own personal demons. Step into an exciting world of adventure, magic and alternate realities in this fast paced, action packed fantasy. Ranger http://www.amazon.com/Ranger-ebook/dp/B00DFPQT5W
Ranger is a young wolf, the only survivor of a murderous attempt to kill his entire family, who learns that he has magical powers. This is the story of how he deals with the tragic loss of his family while learning to harness his newly discovered powers to satisfy his innate desire to help others.Beatific http://www.amazon.com/Beatific-Blood-Vampires-Novel-ebook/dp/B00...
I, Constance Ferrer, ached to be more than just a novice vampirea mere underling and fodder to the elite of the Blood Kin, an ancient, powerful, and cunning horde. I thrilled when Psylas, my maker, appointed me to a simple, routine assignment that yanked me well beyond my ordinary reach, finally granting me a chance to elevate in the ranks. But when that feat thrust me to the forefront of an unravelling prophecy, I found myself pitted between vicious factions vying for the possession of the cherished Truth and Peace. Suspicious of the prophecy itself, yet trapped within the sanctuary of its protectors, my previously bleak and mundane existence blooms into a frightening adventure. How does a weak and inexperienced vampire such as myself successfully sift through increasingly elusive schemes? How does she sort out a sudden influx of supposed allies and enemies? How does she determine who or what to fight or trust? And when presented with convenient comfortsCyriel, an epicurean, share-the-fun vampire; his lavish and libertine accommodations; and Huijghe, his strangely enamored and seriously decadent humanshould she dare indulge, if even just for a brief reprieve?
KIDS - 10 free ebooks for the young ones
Added on : Friday June 21st 2013 03:00:12 PM
1. Ella's Toys2. Where Is Silly Bear?3. The Fish with a Wish (Illustrated)4. Pixie Courage5. Baby Mika Wants Adventure6. Princess Tiffany: Tooth Fairy7. Petal the Nature Owl8. 20 Fun and Illustrated Animal Stories for Kids9. The Ugly Duckling (Illustrated) 10. Lessons from the Lion, the Ox and their little friends (illustrated)
10 Free eBooks (Ages 4yrs and under) [Kindle]
Added on : Friday June 21st 2013 04:00:23 AM
1. Ella's Toys http://www.amazon.com/Childrens-Ebook-Pumpkinheads-PumpkinheadsT...
2. Where Is Silly Bear? http://www.amazon.com/Childrens-Rhyming-Picture-Baby-6-ebook/dp/...
3. The Fish with a Wish(Illustrated)http://www.amazon.com/Fish-Wish-Childrens-Picture-ebook/dp/B00DF...
4. Pixie Courage http://www.amazon.com/Pixie-Courage-Series-ebook/dp/B00BTC9QWQ
5. Baby Mika Wants Adventure http://www.amazon.com/Baby-Mika-Wants-Adventure-ebook/dp/B00BWDU...
6. Princess Tiffany: Tooth Fairy http://www.amazon.com/Princess-Tiffany-Little-Collection-ebook/d...
7. Petal the Nature Owl http://www.amazon.com/Petal-Nature-Owl-ebook/dp/B007T5TADW
8. 20 Fun and Illustrated Animal Stories for Kids http://www.amazon.com/Zooland-Illustrated-Animal-Stories-ebook/d...
9. The Ugly Duckling(Illustrated)http://www.amazon.com/The-Ugly-Duckling-Illustrated-ebook/dp/B00...
10. Lessons from the Lion, the Ox and their little friends(Illustrated)http://www.amazon.com/Lessons-little-friends-illustrated-ebook/d...
Double Insurance through Delta Dental?
Added on : Friday June 14th 2013 03:00:06 PM
So, I have my job that can easily support my family comfortably and I have dental insurance and a flexible spending account. Based on my coverage, orthodontia for one of my children will more than deplete my maximum FSA contribution ($2500, thanks for limiting that ObamaCare). Anyhow, my wife just graduated from her nursing program and passed her licensing exam. She accepted a job today without really listening to my (I was particular concerned about tuition reimbursement because she still wants to finish her BS and maybe to an MS)... anyhow, they have dental coverage and it covers orthodontia at 100%. My plan and her plan are both through Delta Dental. Anyhow have any experience with this? We were already planning on fitting one kid with braces this year and maxed out the FSA (although we have used about $500 already between co-pays for visits and prescriptions), but we have two kids that could get braces right now, so if we can do the double coverage, we could just get both knocked out this year... We may miss out on some of our FSA contributions, but we could drop the double coverage next year and not have to contribute as much to the FSA as we had planned on maxing it out again.I have had double medical insurance before and it worked out really well because we were heavy consumers of medical services while my wife was ill (big ordeal that is over now), but we had different providers.Thanks in advance.
If you've never ordered a "blemished" stripped AR-15 lower receiver from Palmetto State Armory (PSA) before, you'll probably be like I was.....hard pressed to find the blemish! Seriously, so far as I was concerned, mine was flawless!These have been going for $99.99 recently, but they have a Fathers Day special, this weekend, for $69.99, plus shipping (usually $7 per lower). Remember, you MUST have these shipped to an FFL holder, as the ATF considers the lower receiver the actual "firearm" part of the AR-15. If you're not sure who in your area has an FFL, any private gun shop should have one, and you can usually arrange for them to fax a copy of their FFL to PSA, with nothing more than a phone call. A nominal fee will be charged by them, so ASK how much beforehand. If you're ordering more than one, many FFL holders will charge you just one transfer fee.This is an outstanding value for anyone who wants to build their own AR-15, using a quality lower receiver. Prices are falling, daily, on components, so go for it! http://palmettostatearmory.com/index.php/fathers-day-sale/palmet...
Veggie Grill - B1G1 entree for Dads on 6/14-6/17
Added on : Thursday June 13th 2013 03:00:02 PM
https://www.facebook.com/photo.php?fbid=10151492196857582This Friday through Sunday buy your meal and get Dads meal free at all Veggie Grill locations. Just make sure to bring your Dadhe wants time with you.
(one free entre for Dad when another entre is purchased at full value. Not valid with any other offers. Eat-in only.)
Buy 10 Get 10 Free Wings at Hooters for Father's Day & July 29th
Added on : Thursday June 13th 2013 08:00:06 AM
Saw this on Hooter's Facebook page https://www.facebook.com/Hooters
This Fathers Day offer is one of many deals that Hooters is giving customers during non-traditional holidays throughout the year. The Fathers Day free wing offer is good for everyone who dines in at participating Hooters restaurants. The offer is good on dine in orders only and there is a limit of one order per person.
https://www.facebook.com/notes/hooters/give-dad-what-he-really-w...On July 29th Hooters is offering a buy 10 get 10 free wing offer in celebration of National Chicken Wing Day. This Friday guests who dine in at Hooters will receive 10 Hooters nearly world famous chicken wings for free, with the purchase of 10, tossed in their favorite sauce.
https://www.facebook.com/notes/hooters/buy-10-get-10-free-wings-...
Free Kindle Books: June 13, 2013
Added on : Thursday June 13th 2013 03:00:08 AM
Insure Your Car for Less: A Practical Guide to Saving Money on Automobile Insurance [Kindle Edition] FREE @ Amazon. Please take a look!
http://www.amazon.com/dp/B00BV03ME4Insure Your Car for Less is a must read for anybody who wants to save money on their car insurance. The creator behind this book, David Goldstein, is a veteran of the insurance industry. He has worked as an insurance agent and adjuster for two of the largest insurance companies in the country, and now helps injured people take on the insurance companies at a successful law firm specializing in motor vehicle accidents.In Insure Your Car for Less, David focuses on how to save money when applying for an auto insurance policy, and presents unique information that has rarely been discussed before. He explains the guidelines that insurers use to underwrite the policy, and offers helpful hints on how to improve your own standing within these guidelines to save money. This book is written in a practical, no-nonsense way, and gives real life examples of how people have used his knowledge of insurance practices to save hundreds to thousands of dollars on their automobile insurance rates.
Yandex 3D Shell Launcher for Android
Added on : Monday June 10th 2013 07:00:09 PM
On my old win mobile phone I used to use SPB Shell. It was a massive improvement.This is free right now on the google play store for Android phones. I just tried and am quite impressed.So for anyone who wants to try it, check it out
Link to playstore here.
Hi All!I wanted to let you all know that MANGRATE wants every griller in America to own a MANGRATE and see the difference that the cast iron grate makes. I just saw the deal posted on the product review website, DamnGoodReviews.comI have a MANGRATE already for my whole grill but even just for someone to try one grate out is worth it! The deal is visit MANGRATE.com and purchase one MANGRATE and enter promo code "DAMNGOOD" and then just pay shipping -- around $12 (at least to my dad it was)Not familiar with the MANGRATE -- Damn Good Reviews did a video overview and review of it too!! The review video makes you hungry for sure. Enjoy!!MANGRATE Review on YouTUbe
Buy 1 gallon Griot's Car Product get a free 35oz bottle
Added on : Thursday June 06th 2013 02:00:02 AM
I'm new to both Griot's products and Spray on car washes, but I've read positive experiences about the Griot's spray on car wash on my FR-S forum. Since the pollen this year is awful, and my car duster doesn't get bugs/road grime off, I started looking in to the waterless car washes. Amazon has a deal where if you buy a gallon of any (I think) Griot's car care product, you get a 35oz bottle of any car care product free. This appears to be a better deal than my local Advanced Auto with coupon. Just thought I'd share in case anyone likes this brand and wants to stock up. Hopefully it works well in the winter too for our daily drivers!linky
http://www.lordandtaylor.comCode: FRIENDSIn-Stores 6/5 - 6/11In-Stores thru 6/4
Extra 20% on Regular, Sale and Clearance - see attached for exclusions
I have a career which I have no intentions of leaving. Typical office job. Living in my parents basement making 50k. My friend is 24. He has a solid weekend gig which pulls in $250-300 every week for about 10 hours of work. He is doing construction/home improvements otherwise, which are generally good in the spring/summer, sparse otherwise. He is attempting to build his own business. He generally brings friends onto his jobs for help when needed. I have worked with him a good amount. He knows what he is doing and owns most of the tools/equipment necessary. His parents divorced and both moved out of state when he was 18, so he has been on his own since then and has no way to get a big chunk of change and get the business started in a legitimate fashion. We are close friends. He wants to take his business to the next level. I am thinking of proposing some kind of partnership. I would be available by 3:30 PM and on weekends. My proposal would be to throw up $15,000 or so at start to buy a truck, form an LLC, get licensed and bonded, start a website, get in the yellow pages, advertising, etcWhat kind of a stake would be fair in this scenario? 25%?
Help me out with some housing decisions
Added on : Friday May 31st 2013 08:00:06 AM
Ok - I come to my FWF with open ears for some advice. This is a bit lengthy, so if you'd rather not read please move on. Those of you with real-estate experience, families, and the inner struggle of trying to be frugal but still wanting quality of life are most appreciated (though all constructive thoughts are welcome).
I'm currently in Chicago condo which I bought for $335K in 2006 and is now, if I'm lucky, worth about $250K. The condo is a 3BR - ~1300 sq ft, occupied by my wife and I (1 room), my 1 year old (1 room), and the 3rd room (which is legally a bedroom, but has french doors) acts as my office. This latter fact is important - as I work from home (company based in another state). We plan to have a second child (at least in my wife's belly) by the end of the year. We need (want?) to move. At first it was because we know we will need more space for the second child. Things are also a bit cramped with my working from home and getting a bit more space will be less of a distraction.
We also wanted a better school district and place to raise our kids, maybe a yard, and a place to play with toys that isn't in the middle of our living room.I've been looking around the suburban areas which are within the radius of where we want to be (that is no more than 45-60 mins from O'hare and some other suburbs where family lives). I've been using sites like Redfin and Zillow - I haven't actually engaged any realtors and gone out looking yet. What I am finding - exclusive of school districts - is that a place just the size and style I would prefer it at minimum $450K. Even moving up to $600K I wouldn't be getting what I would be fully happy with.Now let me stop and state to anyone not in the Chicago Suburban area - prices are ridiculous. Everyone who doesn't want to live in the city wants to live in the north, north-west, and western suburbs. They don't want to go too far out because either they commute to Chicago or they don't want to live out in the sticks. I honestly wouldn't mind living in the sticks, but we are beholden to these same higher-price areas because of where our family lives and my need to get to the airport with some regularity. There are of course some less ideal suburbs scattered throughout and their prices are lower, but it usually isn't just a matter of location - the houses just aren't as nice either.I am doing ok financially. I make low six figures (my wife is a home-maker), and we have pretty good savings (both retirement and otherwise). I would have ideally $250K from the sale of my condo (the mortgage to which I am good with, and should be even better when I take out a new one on the house). My father is planning to provide a very generous gift to the purchase of a new home - perhaps $200K. So, between these two sums I can meet my $450K no problem. I could even plunk down another $100-150K and while it would deplete a nice portion of my liquid savings, it wouldn't create any major financial stress.BUT...I hate the idea of a mortgage...the idea of debt and being tied down to it. Although I know that my life now means I can't run off and join the circus, or backpack through the Himalayas - I still don't like the idea of knowing I will be living to pay this off. However, I do have a family - they need a place to live - I'd like to make that place comfortable, safe, and perhaps a bit luxurious (or at least not sparse). So I have a couple of options right now. I am trying to weigh the financially responsible thing to do with the most livable options for me and my family. I'd love to hear your constructive comments:Option One - Buy as much as I can afford (without emptying my bank accounts)
This means spending close to $600K (with the various funds mentioned above).
Pros - Good sized house (2500-3000+ square feet) in a well rated suburb. Close to airport, family. In short, my laundry list above.
Cons - It still won't be what I want. I would be spending everything I could comfortably do and still only be getting a 3000 sq. ft. house in a location with some of the amenities I would want, but not all. I might have to buy a house that is 50+ years old (as opposed to newer construction), it might be too "suburban", etc. In short, I'd probably have to increase my spend closer to 800K+ which I am unable to do. Option Two - Buy something to match my current situation
This means spending about $450K with the sale of my condo and my father's gift
Pros - Probably a smaller house (max 2500 sq ft) in a slightly lower quality suburb. Still close to airport family - as this is pretty much not debatable.
Cons - Amplified cons of #1 above. However I'm spending less, and won't feel as "strapped" - my savings stay where they are and work for me.Option Three - Buy something closer to what I sell my condo for
This means spending $200-250K with the funds from the sale
Pros - I will likely get a better mortgage rate than I have now. After taxes and home maintenance increases with a home I would likely be about the same as I am now. This is a totally comfortable situation for me financially.
Cons - Amplified even more of #1/#2 above. What I am looking at doing is just saying "to heck with a nice suburb" and to a lesser extent "to heck with a nice place." I would probably get a place in an ideal location (geographically) regardless of the quality of the suburb (as long as it isn't a dangerous neighborhood). The house would most likely be 50+ years old, ~2000 sq. ft. It would, in effect give us the room we *need*, but not the space of quality we would really desire.Option Four, Five, Six????-With Option Three I am likely discounting good schools under the assumption that we will likely only stay there about 5 years and move again once my kids are ready to start elementary. I can also get a better ARM rate under this plan. Of course this means in 5 years home prices and mortgage rates may have gone up again and it will only be more expensive to find an ideal place. Of course, at this time, I hope my savings will have also increased.If I am considering option #3 then I also have to think with a renter's mentality. If my goal is to stay there for only 5 years - should I really buy?
What about buying it flat out so I have no mortgage? Should I just pay $250K straight out or is the mortgage debt better to keep?
If I am going to buy it flat out - should I keep my current place to rent until the value recovers? Or just get out now.
Another concern I have is my job. I've only been here a year and don't plan on leaving - and so far they seem very happy with me. However if I were to lose my job not only would it hurt financially, but I may have moved to an area that makes commuting to a job in the City, or a more populated burb more difficult.I'm sure none of these scenarios are new...but they are new for me. I'm hoping to get some balanced opinions other than just the standard FWF approach of "just live in a crown vic in your family's driveway."Let me close by saying that my wife and I are mostly home-bodies...so a comfortable living environment has always been appreciated. I look at a house as a home and not an investment - that being said I don't want it to be a poor financial decision.
Rental agreement 2 months prior to move in? First time landlord
Added on : Thursday May 30th 2013 01:00:09 PM
In MA, first time landlord. Listed our condo for rent beginning 8/1/13, posted listing today (5/30). People are already showing interest and many coming to see it this weekend. I thought I understood the application and agreement etc, but how do we handle it if someone wants to lock it in now for 8/1? Obviously, the application is filled out now, credit check etc. but do we require first, last, and security now -almost two months early? Seems strange to me, but not sure how else to make sure they don't walk away for something else in the next two months? Maybe require just the deposit now with language that it won't be returned if the walk away?Any help would be great. Thanks!
Chevron/7-11 Gas Mishap (On & IN car)
Added on : Wednesday May 29th 2013 12:00:06 PM
Girlfriend pulls up to pump to fill up her tank (which she has done hundreds of times). Puts her CC in and selects the gas she wants. Lifts nozzle (not by handle) and gas starts spraying everywhere in her excitement gas gets in her rolled down back window and all over her car. 2 gentlemen (they left after they helped so I can't use them as witnesses) run over and help her unclick the handle. 7-11 Employee says the manager will not be in until tomorrow morning and he can't help with the situation at all. Proceeds to give her the 7-11's public phone number and asks her to call back in the morning when manager is around.I arrive, I let the employee know we think the pump was faulty or someone had tampered with the pump prior to us using it and we would like the car placed back in the state it was prior to this accident. As expected 7-11 employee says people spill gas all the time and he cannot and will not help us any further than to give us the phone number of the manager. I called the police to check and see if there was any way I could get a police report made to use as evidence or something (excuse me as I'm really new at taking care of situations like this) and they explained since it wasn't malicious that they couldn't send a car. I didn't argue that and moved on.I've sent the girlfriend directly to the dealership to have them do whatever they need to do to make sure the gas doesn't damage the outside of the car or the leather interior, also asked her to obtain a receipt. I believe my best option from this point forward is to call the manager and let them know the situation and ask them to cover the total amount of the dealership receipt. (I would have been open to have the manager's opinion on a better way to remedy this if he had been available on site) but since he wasn't I didn't want to let the gas soak into the paint (I don't even know how exactly gas damages paint? or into the leather as it really stinks in the car now)I'm looking for advice on how to proceed?What if the manager tells me to kick rocks? Am I missing anything? Should I contact my car insurance?Thanks in advance!
Today's Free Kindle Books - May 29th 2013
Added on : Wednesday May 29th 2013 10:00:06 AM
Here is a list of kindle ebooks available for free today
I can only say that they were free when I posted, prices change, double check before getting anything**SIDE NOTE** I am unable to continue the daily posts. People have been kind enough to send me PMs asking me about it. If anyone wants to take the list over, please do, there seems to be a genuine interest in these daily posts. Anyone interested in taking over, send me a PM, and I will provide you with the sites which tell me which books are free.
procurement credit card from employer as AU
Added on : Wednesday May 29th 2013 07:00:15 AM
My employer wants me to get a credit card in my name to order office supplies. This goes through a separate division from personnel, so evidently, the procurement division doesn't have access to my personal information. In order to have the procurement card issued in my name, they need the last for digits of my SSN, which evidently I have to provide, since they can't get it from personnel.When my supervisor asked the person in procurement if this account would get reported on my personal credit profile, this was the answer back:[Employer] holds the main account number. The procurement cardholders are the authorized users of the [employer's] Citibank account and have sub account numbers that fall under the main number. [Employer] gets billed directly from Citibank, not each individual cardholder. If there were any credit issues with the card it would fall back on [employer]. If a cardholder misuses the card, they would be canceled as an authorized user by [employer], however, that would be an issue between [employer] and the cardholder, not Citibank.I guess the first pertinent question here is whether Citibank reports the account on my credit profile since I'd be an AU. I've never been an AU on anybody's credit card account before, and I'm not particularly interested in starting now.Also, if my employer defaults on the account, can Citibank come after me for payment? Could this subsequently lead to collections? Could they try to recover the full balance of the entire account (think of several hundred AUs) or only the amounts charged on my specific card?Anything else I should be aware/wary of?
Advice needed in selecting title and settlement company in IL
Added on : Thursday May 23rd 2013 01:00:07 PM
I am in the process of purchasing my first home in IL and I am going with BOX home loans. Box prefers Linear title company but the seller wants to go with different title company. Seller chosen company, Prairie title, is three times more expensive than what Box estimated title costs ($2000 vs $700). Does any one know how Box handles closing on a new purchase? My RE lawyer is telling me that we need to do the settlement at a physical location. Neither Box nor Linear has any physical office in IL. I asked Box about this and they said it can be handled. I want to let the seller go with their company and I will go with Linear as it is much cheaper. Please offer me whatever suggestions you could.
Rusty Wallace Racing Experience
Added on : Wednesday May 22nd 2013 04:00:02 AM
http://local.amazon.com/orlando/B00CPUCFRY?src=email&cid=em_dd_3...
Three-Lap Ride-Along or Ten-Lap Qualifier Racing Experience
Rusty Wallace Racing Experience
Sold by Rusty Wallace Racing Experience
The Details
Give Dad what he wants this Father's Day!
Strap on your seat belts and get ready for high-speed racing action with an authentic experience from Rusty Wallace Racing Experience https://www.racewithrusty.com/. Whether he rides shotgun or opts to sit behind the wheel, pick up today's deal for an experience that Dad will never forget! $49 ($99 value) for a three-lap ride-along
$124 ($249 value) for a qualifier ten-lap drive yourself experience
Ride in or drive a real, current stock car with a real racing professional
No racing experience necessary
What You Need to Know
Voucher valid for reservations on 7/13/13, 7/14/13, 11/2/13 or 11/3/13; reservations are required and subject to availability
Limit 1 voucher per purchaser per option; additional 3 vouchers per option as gifts
Must be 18 years of age or older with valid driver's license to participate in driving experience; must be 8 years of age or older to participate in the ride along experience
Height and waist restrictions apply; max height 78 inches, max waist 52 inches
Sales tax is not included and will be collected by the designated race track upon customer arrival
Voucher valid only for option purchased at designated track listed
Merchant cancellation/re-scheduling policy of 30 days applies; voucher subject to forfeiture and $50 re-scheduling fee
Laps may be forfeited for unsafe driving
Available for use beginning the day after purchase
PROMOTIONAL VALUE EXPIRES FOLLOWING NOVEMBER 3, 2013
PAID VALUE EXPIRES 5 YEARS FROM THE PURCHASE DATE EXCEPT IN THE FOLLOWING STATES, THE PAID VALUE NEVER EXPIRES: CA, CT, FL, ME, MA, MN, MT, NH, ND, NJ, OR, RI, WALocation:
New Smyrna Speedway
138 S State Road 415
New Smyrna Beach, FL 32168
1-855-22-RUSTY (78789)
Amazon Coupons
This deal is incredibly good if you are in US Cellular's coverage area: get a Samsung Galaxy SII (CDMA version) for only $94.86 with NO CONTRACT plus taxes. Saw this on SD and figured I'd pass the word along. You have to be in their coverage area because they will not ship it if not (believe me, I tried). This phone will only have 3G data, but for anybody that wants a really good older phone with excellent features, this ought to be the deal for you!This deal gives you a month of prepaid access for $65, and then you are not eligible for any other payment.
Enterprise Analytics: Optimize Performance, Process, and Decisions Through Big Data (FT Press Operations Management) [Kindle Edition] - was $49.99Thomas H. Davenport (Author), International Institute for Analytics (Author) http://www.amazon.com/dp/B0099RN76OPublication Date: September 13, 20127 Reviews ★★★.5#1 in Kindle Store > Kindle eBooks > Business & Investing > Industries & Professions > MISThe Definitive Guide to Enterprise-Level Analytics Strategy, Technology, Implementation, and Management
Organizations are capturing exponentially larger amounts of data than ever, and now they have to figure out what to do with it. Using analytics, you can harness this data, discover hidden patterns, and use this knowledge to act meaningfully for competitive advantage. Suddenly, you can go beyond understanding how, when, and where events have occurred, to understand why and use this knowledge to reshape the future. Now, analytics pioneer Tom Davenport and the world-renowned experts at the International Institute for Analytics (IIA) have brought together the latest techniques, best practices, and research on analytics in a single primer for maximizing the value of enterprise data. Enterprise Analytics is todays definitive guide to analytics strategy, planning, organization, implementation, and usage. It covers everything from building better analytics organizations to gathering data; implementing predictive analytics to linking analysis with organizational performance. The authors offer specific insights for optimizing supply chains, online services, marketing, fraud detection, and many other business functions. They support their powerful techniques with many real-world examples, including chapter-length case studies from healthcare, retail, and financial services. Enterprise Analytics will be an invaluable resource for every business and technical professional who wants to make better data-driven decisions: operations, supply chain, and product managers; product, financial, and marketing analysts; CIOs and other IT leaders; data, web, and data warehouse specialists, and many others.About the Author
THOMAS H. DAVENPORT, (Cambridge, MA) co-founder and Director of Research of the International Institute for Analytics, a world renowned thought leader and executive advisor on analytics. His book, Analytics at Work: Smarter Decisions, Better Results, was named a must-read for 2010 by CIO Insight. Davenport holds a Ph.D. from Harvard University, taught at Harvard Business School, and led research centers at McKinsey and CSC. He is President's Distinguished Professor of Information Technology and Management at Babson College; senior advisor, Deloitte Analytics, Deloitte Touche Tohmatsu; and member, Board of Sponsors, MIT Center for Information Systems.
Amazon Coupons
sorry if i'm reposting (jetlag from vacation...)I haven't seen anyone post these yet..and in case someone "really wants" the FAR...McAfee AntiVirus Plus 2013 - 3 PCs **Comes with $10 GC**
$50 -$50 MIR card exp 5/23/13TREND MICRO Titanium Maximum Security 2013 - 3 User
$60 - $60 MIR card exp 5/23/13AVG AntiVirus 2013 - 3 PC
$25 - $25 MIR card exp 5/23/13These have been added to the QS to the main thread. Thanks for reading.
Newegg Coupons
Non controlling interest shares
Added on : Friday May 10th 2013 11:01:16 AM
My partner and I had a buy-sell written 7 years ago. We cannot even remember who wrote the darn thing, but there is a clause in it concerning my partners shares that we don't understand. I know some of you are going to badger me and say I probably meant to put this in, but we both signed knowing full well what we were signing and now 7 years later just don't understand why it would be there. The clause is in regards to discounts being applied to my partner's shares if another entity (maybe me, or a 3rd party) purchases his shares, and by the way, he is 25% owner. It says that his shares will be reduced by 50%. So if his shares total $1,000,000 in value, it gets discounted to $500,000 where as mine do not get discounted at all in case I sell. So my partner asked me why that was in there and I said I didn't even remember that clause. I then told him that I vaguely remember us having a conversation with whomever the attorney was talking about non-controlling interest. Because if someone buys his shares, they are buying non-controlling interest shares. This is all I could think of, but honestly did not know.For those of you with experience in this area, is a minority shareholder's stock typically discounted like this, or in any fashion, in a buy-sell agreement? My partner wants it removed and I am not opposed to that. But I also don't want to just immediately say yes; I would first rather find out why it is in there in the first place and what is typical. Hope this all makes sense.
Purchasing a fleet rental for Teen, good idea or nightmare?
Added on : Friday May 10th 2013 08:01:21 AM
I am looking for a reasonably priced car for my 16-yr old teen. Of course he wants a mustang or a Jeep.. not happening.
And he says he won't get any dates with a Crown Vic.Has anyone had experience buying these type of cars from a large dealer that buys them from auction?The dealer is a reputable, local new car dealer with 6 dealerships in my region. Including trade ins, he has hundreds of these fleet vehicles in inventory.Low mileage (2011-2012 models) with 12-17,000 miles.
Impalas
Fusions
Elantras
Sentras
etc.AutoCheck links on them show:
Motor Vehicle Dept. REGISTRATION EVENT/RENEWAL
TITLED OR REGISTERED AS A RENTAL VEHICLE, OR PART OF A RENTAL FLEET
Free Shotguns In Chicago: Armed Citizen Project Wants To Arm Single Women, Homeowners http://www.cbsnews.com/8301-201_162-57582990/group-aims-to-give-...http://www.huffingtonpost.com/2013/05/05/free-shotguns-in-chicag...https://www.youtube.com/watch?v=-DgCa0QEzJEhttps://www.youtube.com/watch?v=hbTfKdJacOAA gun advocacy group announced this weekend their hope to distribute free shotguns to unarmed people living in some of the most high-crime areas of 15 U.S. cities, including Chicago.
Free 2 Day Shipping Upgrade and Mother's Day Delivery Guaranteed.
Expires: May 8
Code: MOM2TextMothers Day gifts are filled with delicious popcorn and snacks that she can enjoy while doing whatever she wants on her day off.
The Popcorn Factory Coupons
Generac pressure washer $539 (cat pump) home depot
Added on : Wednesday May 08th 2013 07:00:24 AM
http://www.homedepot.com/p/t/204223451?storeId=10051&langId=-1&c...
ends 5/15, online purchase only, but free shipping
I think it has 3% Cash Back, bringing it to $523.7
the sale is also on other generac models, but this is the best bang for the buck in my opinion. I could not find a single CAT pump power washer under $600 except this one. Even at $599 it seems to be a good deal.After a couple hours of searching and doing research, I just ordered this. Great reviews everwhere I could find. Listed on Amazon for well over $600. This really isn't a top secret deal like so many of the posts hereLittle backround on some of the info I found during research.The two most important things are the engine and the pump. Well, most small engines if maintained are going to far outlast the pump, so I pretty much concentrated on the pump. Generac is an american company that makes some large industrial/commercial equipment as well as small residential stuff. Generac is owned by briggs and stratton, and from everything I could find, Generac products with small engines are just rebranded briggs. There are a few different pump designs when it comes to pressure washer pumps. By far the two most common are axial cam pump and the triplex CAT pump. The axial cam pump is what you usually find on pressure washers $500 and under. There are different grades of quality, but most sources say the pumps are rated for about anywhere from 60-150 hours of use.The triplex CAT pump is typically used on commercial pressure washers, all sources seem to indicate they have atleast a 1000 hour rating. This model uses a Annovi Reverberi (commonly referred to as "AR") pump, which from what I can see is one of the best brands on the market. It is used on many of the more expensive machines. It seems the only thing this is lacking from the higher end models is the engine power. So I've come to the determination this unit is essentially residential power (high end of residential) but commercial grade quality.The pressure rating was something that I didn't really look at; as if spraying water at 3000psi is going to be that much better than 2700psi. It seemed more like a figure used for marketing because the tim allen in us wants an easy way to measure the performance, akin to speaker wattage ratings. I'm sure it is important for some applications, but none that I have found over the years.Anyway, I think this is the first deal I posted after reading for years.
Home Depot Coupons
FatWallet Welcomes FRS Healthy Products with 5% Cash Back!
Added on : Tuesday May 07th 2013 12:00:04 PM
0 Posted By: FatWallette
Views: 246 Replies: 0




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FRS Healthy Products Coupons
Generac Power washer $539 (cat pump) home depot
Added on : Tuesday May 07th 2013 07:00:02 AM
http://www.homedepot.com/p/t/204223451?storeId=10051&langId=-1&c...
ends 5/15, online purchase only, but free shipping
I think it has 3% Cash Back, bringing it to $523.7
the sale is also on other generac models, but this is the best bang for the buck in my opinion.After a couple hours of searching and doing research, I just ordered this. Great reviews everwhere I could find. Listed on Amazon for well over $600. This really isn't a top secret deal like so many of the posts hereLittle backround on some of the info I found during research.The two most important things are the engine and the pump. Well, most small engines if maintained are going to far outlast the pump, so I pretty much concentrated on the pump. Generac is an american company that makes some large industrial/commercial equipment as well as small residential stuff. Generac is owned by briggs and stratton, and from everything I could find, Generac products with small engines are just rebranded briggs. There are a few different pump designs when it comes to pressure washers. By far the two most common are axial cam pump and the triplex CAT pump. The axial cam pump is what you usually find on pressure washers $500 and under. There are different grades of quality, but most sources say the pumps are rated for about anywhere from 60-150 hours of use.The triplex CAT pump is typically used on commercial pressure washers, all sources seem to indicate they have atleast a 1000 hour rating.The pressure rating to me was not something that I didn't really look at; as if 3000psi is going to be that much better than 2700psi. It seemed more like a figure used mostly for marketing because the tim allen in us wants an easy way to measure the performance, akin to speaker wattage ratings.Anyway, I think this is the first deal I posted after reading for years.
VIZIO 70" Class (69-1/2" Diag.) LED 1080p 120Hz Smart HDTV
Amazon Prime Price: $1678 + FREE SHIPPING
Amazon Non-Prime Price: $1698 + FREE SHIPPING
BB Price: $1699.99 + FREE SHIPPING
Model: E701I-A3Inputs: 4 HDMI (2 rear, 2 side), 1 shared component/composite (rear), 1 PC (rear) and 1 RF (rear). Also includes a built-in Ethernet port, 2 USB ports, and a smart remote with QWERTY keyboard.
Outputs: 1 analog audio and 1 digital audio.Ambient Light Sensor:Yes
WiFi:802.11n
DLNA:YesPower Ratings
Power Consumption:103.22W
Standby Power Consumption:<1W
Energy Compliance:ENERGY STAR 5.3Wall Mount Specifications
Hole Pattern:400mm x 400mm
Screw Size:M6
Screw Length:10mm
Screw Pitch:1mmOfficial Vizio site link: http://store.vizio.com/e701ia3.htmlNote: This is not THE best price ever for this TV, but it's a pretty good one for someone that wants a 70" that doesn't have a wholesale store membership and doesn't want to wait.Amazon Link: http://www.amazon.com/VIZIO-E701i-A3-70-inch-1080p-120Hz/dp/B009SJNTIY (Prime members get an additional $20 off by clicking the link on the page that says "Prime Members Save $20 on This TV")BB Link: http://www.bestbuy.com/site/VIZIO+-+70%26%2334%3B+Class+(69-1/2%26%2334%3B+Diag.)+-+LED+-+1080p+-+120Hz+-+Smart+-+HDTV/7172054.p?id=1218832139374&skuId=7172054
Best Buy Coupons
TextPhilips HeartStart Home Defibrillator M5068Aprice: $1,199.00
save 40% ($796.00)in stock
drugstore.comOne of FORTUNE Magazine's 2004 Best Products of the Year: Home and Health.HeartStart provides clear voice instructions that guide you through every step of the defibrillation process. Safe and easy-to-use at home, where the majority of cardiac arrests occur. Learn more about this defibrillator

Please Note: There will be a $150 re-stocking fee on all returns of this item.Used to treat victims of sudden cardiac arrest (SCA), who are not responsive and not breathing normally. If in doubt apply the pads. Treats the most common cause of SCA by delivering a shock to the heart. Use HeartStart and CPR, as needed, until emergency professionals arrive.Easy To Use - Guides you with interactive voice prompts
Safe - Delivers a shock only if needed
Reliable - Runs daily self-tests for readiness
Important: With sudden cardiac arrest, every minute counts. Make sure your HeartStart Home Defibrillator is set up and ready for use in an emergency.Contents: "Philips HeartStart Home Defibrillator (an automated external defibrillator or AED)"
Red carry case with 911/EMS card
Adult SMART Pads cartridge (lasts 2 years)**
Battery (lasts 4 years)***
Training video
5-year warranty
Facts you need to know about adult SCA:For the best chance of survival, a defibrillator should be applied within 5 minutes.
Less than 5% of SCA victims survive. This is largely because defibrillators don't reach them in time.
Nearly 80% of all SCA's occur at homeHeartStart user considerations:You cannot use the HeartStart to treat yourself.
Users may need to perform CPR.
Responding to cardiac arrest may require you to kneel.
Voice instructions and enclosed materials are in English*.
HeartStart provides audible and visible indicators if the device requires maintenance.
If you have concerns about your health or an existing medical condition, talk to your doctor. A defibrillator is not a replacement for seeking medical advice.Who should own a HeartStart?
Anyone who wants to be prepared.Sudden cardiac arrest (SCA) is a leading cause of death in the U.S. The majority of victims have no previously recognized symptoms of heart disease - SCA typically strikes without warning. A defibrillator will not save every SCA victim, but more lives could be saved if victims were reached more quickly.
American Red Cross
The vision of the American Red Cross is that at least one person in every household be trained in life-saving first aid, CPR, and defibrillator use, and that every American be within 4 minutes of a defibrillator.*Contact Philips for information about other languages. 1-866-333-4246
**Infant/Child SMART Pads cartridge sold separately by prescription only. Talk to your doctor. 1-866-333-4246
*** Please note the date found on the battery is the "install by" date, once installed the battery has a four (4) year lifespan 
Warnings--------------------------------------------------------------------------------

It is important to understand how to use your HeartStart Defibrillator safely.
Please read these warnings and precautions carefully.
A warning describes something that could cause serious personal injury or death.
A precaution describes something that could cause minor personal injury, damage to the HeartStart, loss of data stored in the HeartStart, or less chance of successful defibrillation.
Question about Cash Deposits and Sales Tax
Added on : Monday April 29th 2013 08:01:20 PM
straightforward question for you guys:I have an online retail business. I collect sales tax for in-state online purchases as required by state law. My payments come via wire, Amazon payments, paypal, chase quickpay, checks, and cash. I receive cash (dollar bills and certified checks, money orders) in the mail from out of state buyers and I receive direct cash deposits into my bank accounts at out of state branches so buyers can avoid wire fees. I also deposit cash at my local branch as the $$ comes in.I do not operate a physical retail store presence in my state but I am registered as an online business in my state. In other words I don't have a cash register printing receipts and such.My annual in-state (sales tax applicable) sales are around $10,000 so I annually remit approx $600 that I've collected from these buyers(no one wants to pay sales tax so in state buyers shop elsewhere)My annual cash deposits into my business account are around $80,000 to $100,000 --> we're literally talking 20's and hundreds. For reference, my total annual sales are over $1M. So we're talking 10% of sales maybe a little under. I keep my books to the dollar and I report all of this cash as income and pay taxes on it. Do I run the risk of a State Sales Tax audit for having so many cash deposits compared to sales tax collected? There's nothing "funny" about the amount or frequency of deposits. I do not structure or anything, I deposit cash as soon as I get it. Most deposits are 1-3k. and most are made at same branch.Is it advisable for me to stop accepting payments this way? Many customers prefer being able to deposit cash directly into my account vs waiting for checks to clear.
Before you guys ask; no, I'm not cleaning money, and I'm not skimming. I am not worried about a federal income tax audit or even FBI looking into the large cash deposits because this is legit. JUST SALES TAX AUDIT.. I just have concerns about the state thinking I'm holding out on sales tax since I'm registered to collect sales tax on the few in-state sales I do have, so they have access to see that I've got $10k reported sales tax sales vs $1M total sales, then if they dig they'd see $100k cash deposits.. maaybe I am being paranoid.I am not in California.Thanks in advance...
Taxation of CC Rewards
Added on : Monday April 29th 2013 10:01:29 AM
Since no one wants to talk about it in the HH thread, here's a place to talk about it. Some say CC rewards are not taxable; some say they are. I have seen very little evidence to actual opinions of the IRS that it would be either way. Let the discussion begin.
Power Verbs for Job Seekers: Hundreds of Verbs and Phrases to Bring Your Resumes, Cover Letters, and Job Interviews to Life [Kindle Edition] - was $22.99Michael Lawrence Faulkner (Author), Michelle Faulkner-Lunsford (Author) http://www.amazon.com/dp/B00BHEY5E0Publication Date: February 19, 20134 Reviews ★★★★
Electrify all your job search communications and build the great career you want!  The right verbs make you unforgettable powerfully demonstrate your value attract employers like moths to flame  Grab the right verb and use it the right way to:Craft outstanding rsums, cover letters, and thank-you notesDraw attention to your best achievements and accomplishmentsGet your face-to-face interviewand ace itPitch yourself brilliantly, even if you only have a minuteWeave Crucial soft skills expertise into your career communicationsProve youre the person theyre looking for  Jam-packed with examples drawing on thousands of years of storytelling, literature, and experienceIndispensable for everyone who wants a rewarding, successful, well-paid career!About the AuthorDr. Michael Lawrence Faulkner is Professor at the Keller Graduate School of Management, DeVry University. He first learned leadership, management, and communication as a U.S. Marine Corps combat NCO, drill instructor, and classroom instructor. He then spent 30 years leading and coaching at Dun & Bradstreet, the Direct Marketing Association (DMA), entrepreneur startups, and his own family business. Michelle Faulkner-Lunsford, an experienced marketing manager, is a graduate of Middle Tennessee State University.
Amazon Coupons
I hesitate to post this for a number of reasons, it's a Huffy, and it's sold through a 3rd party (Dazadi.com). My wife wants one though, god knows why, and I figure big heavy bikes are probably all similar in quality. Considering all that, if you know what you're buying this is a hot deal. http://www.newegg.com/Product/Product.aspx?Item=9SIA1TD0PH3684
Newegg Coupons
Creating a corporation for credit card purposes
Added on : Saturday April 27th 2013 08:01:17 PM
I have become a big credit card churner and from what I have read a few companies make it harder to get a business credit card, especially AMEX. Combined with my wife deciding to be a stay at home I have been thinking about creating a corporation. Eventually, she wants to do video/photography work but I expect 90% of our activity to be credit card churns - thank you Vanilla. My biggest fear is that we create 20k a year in expenses on business cards and may have to file some tax forms.Basically, has anyone created a corporation mainly for credit card purposes? Pros? Cons? Is there a blog or step by step I can follow?
Mortgage Lender requiring signed 4506-T without line 5 filled out
Added on : Thursday April 25th 2013 03:01:52 PM
I know its acceptable practice for Lenders to require filling out form 4506-T, however this lender wants me to leave line 5 blank.. When I balked they said if I don't leave it blank they will cancel my loan app! Anyone ever run into this practice before?
Financial and Legal Considerations for an Unmarried Couple
Added on : Wednesday April 24th 2013 03:01:33 AM
I apologize in advance for using an altID, but when I originally signed up for FW, I made the error of selecting a username that gives away my full name, and I don't want to link together my name, current/former addresses (thanks pipl), income, assets, etc. on a public forum. Plus this username was available.Anyway, I am in a committed relationship where we are considering the option of remaining unmarried. For the record, we are still planning on getting (non-diamond) rings and having a reception/ceremony. It's just that we're also considering not signing any legal paperwork. We live in California. The primary concerns here are the marriage penalty, how that will change in the future based on significant life changes (from what I've calculated, it only gets worse), and how to deal with any rights/benefits we give up by not getting married. It seems we just might be creeping into AMT territory as well. We're 31 and 28, and I expect our salary increases to outpace increases in the AMT deduction, etc., so AMT may matter even more as time goes on. Anyway, here is a snapshot of our current financial situation:My income: $115k salary + $15k bonus + $25k stock options/RSU + $3k ESPP = $158k.
My investment income: $5k interest and dividends, also capital gains, but it's hard to predict what/when I sell.
Her income: $129k salary + $1k bonus = $130k.
Our retirement: I max out my 401(k) at $17.5k/year. She contributes 5% to a pension plan automatically. I believe she has some tax-deferred options available, but they're not set up (new job as of a few months ago). I'll go through her paperwork and make sure it's maxed out by the end of the year. (Also just learned about Backdoor ROTH -- will add this in, but I don't think it has any tax/marriage implications.)
Our assets: ~$750k, mostly in stocks or mutual funds, $25k of which is hers. About $150k of the total is in retirement funds.
Our debt: I have $16k of student loan debt @ 3% that I'm paying the minimum on.We're currently putting aside $6k/month ($3k each) into a joint account as a down payment for a $1M+ home within the next few years. The rest of our finances are separate. We plan to solely rely on "new" money for any joint purchases and to not liquidate any of our existing assets to buy a home, etc. More to the point, if we are in still in the AMT bracket after purchasing a home (mortgage interest might help keep us out for a little while), we will not be able to deduct property tax if married. Additionally, in the future, we're also considering having children (1 or 2), which could mean HoH filing status if we were still legally single.I want to establish a sort of checklist of things to consider that I may have not thought of already in my own external research and from extracting bits and pieces from various similar threads in the FWF archives. So far, this is what I've come up with (there are some things that I've omitted that don't apply to our particular situation):Health insurance: Currently, my company pays 100% of my premium, and allows me to add a spouse/dependents for free. She currently pays $100/month (her employer pays the rest), so this $1200/year would alleviate the marriage penalty somewhat.
Inheritance: She is my current beneficiary on all of my retirement accounts, as I am on hers. I have filed ToD paperwork for all of my brokerage accounts naming her as the sole beneficiary. I have named her as my sole beneficiary on my Group Life (hmm, I haven't checked hers... I'll make a note to look into this) and all stock awards.
SS/Pension Survivor Benefits: Only available if married. My thought here was that we could get married when we are at/near retirement age if we wanted to have access to this. We'd still be uncovered in the case of an early accidental death.
Capital gains (if > $250k) exclusion for sale of a home: Currently we do not own a home, but it seems that we could just get married if we found ourselves in this situation.
No bereavement leave from our employers with respect to each other's families: I don't see a way around this.
Lower insurance rates: Not a big concern because our insurance rates are very low to begin with (currently driving older/used cars, so liability only). While we admire fancy cars, neither of us really wants to purchase one.
Durable PoA (both healthcare and finance) and living will: Needs to be done.
Will: Seems redundant since she's already the beneficiary of all of my accounts/assets. But I guess it can't hurt. Also allows me to name an executor, although that in itself isn't related to being married or not.
So that's about everything I've pieced together. I'd be really interested in seeing if I missed anything. And if you made it all the way to the end of my post, thanks.
Auto Insurance - Teen Driver?
Added on : Tuesday April 23rd 2013 10:03:35 PM
I have a 16 year old step-son who wants to get his driver's license. Me and his mom have been trying to have him wait until he's 17 because it's going to cause our auto insurance premium to skyrocket like most, I have Geico now. Not that I'm trying to deceive them, but I've been trying to find out when would be the best time to add him once he gets it. I can't ask the insurance company of course and everything I read says I risk endangering my policy if I wait any amount of time once he has his license. But I'm wondering if I can wait until my policy is up for renewal to do it and be safe?E.g., if I just renewed my policy for the next 6 months, and let's say my step-son's birthday is Friday and I got him his license that day. Wouldn't I be better off waiting until my current policy is up for renewal to let them know about the new driver? I can't help but think it's a giant risk, but I don't know enough about the law to say if it's illegal. The last thing I want to do is get my policy cancelled and lapse my coverage and have trouble finding another carrier. Any fatwallet folks ever considered this?
GUNS PSA Premium Classic Lower Build Kit $146.95 shipped
Added on : Monday April 22nd 2013 04:00:03 PM
PSA Premium Classic Lower Build Kit 146.95 shippedFor what it worth, this can be a good deal if you do not want to waste time searching around for components. It is not so hard to find an LPK for around 70$+shipping but finding a stock assembly that has a receiver extension tube is problematic. Midway has a TAPCO kit for 71.99$ but first of all will be a mixture of the brands between LPK and stock plus TAPCO one is not that great as review says. Long story short - considering current prices it is still a best deal on the market. But for those who wants to live in the past, please move along there is no old prices anymore.
In your opinion, for a high school senior who's choosing a career path, which of the following requires the 1st most, the 2nd most, and the 3rd most:1. Training or education
2. Luck or abnormally high IQ
3. Overall likelihood of getting richA doctor, lawyer, investment banker, or something else (real estate, investing well, being thrifty, etc.)? Feel free to discuss specific specialties or practice areas in your response. Background: A bunch of us have been debating this lately, so I want to know what you think. Career counselor isn't helpful. Student has an A average and is a high school senior. He's well-rounded and kind of likes all school subjects equally.
Hawaii Trip With A Child
Added on : Sunday April 21st 2013 02:01:52 AM
My MIL wants to do a Hawaii trip for the family next year and wants a portion of it to be on Oahu to visit relatives and the latter half of the trip to be on one of the other islands. The initial consensus seems to be leaning toward either Maui or Kauai for the second half of the trip, but since those two islands are currently the trendy ones, I'm wondering if they aren't also more expensive and offer fewer kid-friendly options than the big island. We'll have an 8 year-old with us on the trip. Any suggestions on which island would be best suited for a multi-generational trip, with some eye on the budget, would be appreciated.
A family member has recently declared bankruptcy and wants to get a prepaid credit card that she can use in situations where she can't pay by cash or check. (I understand that she should get a secured credit card to start rebuilding her credit -- this is an interim measure.) A card that she could reload would be best.I was surprised to find so few questions or answers here about prepaid cards. I thought this would be a FAQ. Could anyone point me to a post or website that compares such cards -- I assume there is a significant variation on fees?If she will be able to open a new bank account so soon after filing, I assume this is a better option than prepaid, so long as they will give her a visa or mc branded debit card. Fees aside, are there any disadvantages to debit vs. prepaid?Thanks in advance for your help.
Wiring money to US after selling house in MOm's original country
Added on : Wednesday April 17th 2013 06:02:15 PM
My Mom who lives in Us since more than 20 years decided to sell the family house in her home country along with other small commercial that she owns in her original home country . She does not have bank account , (she never worked in Us and she is above 70 ) in US and she wants me to transfer the money into my bank account , planning to buy a house later in Us . IIs there any problem or concerns . The value is aroun 350K US ? Any advise
Gifting real estate
Added on : Monday April 15th 2013 07:02:31 PM
Hi Folks,I was hoping to get some advice here on how to proceed. Please let me know if more details are needed.My wife's Mother is leaving the country (at the end of this month, so time is of the essence) and wants to gift her some commercial real estate that she owns.a) The commercial property (a condo/office in a multi unit building) is worth under $200k and is under lease by a tenant (tenant has been there for 10+ years).
b) Property has no mortgage (completely paid off)
c) Property is in Maryland
d) We have NO intention of selling this property within the next 5-10 years.My wife has spoken to a couple different attorneys (by phone and email) as well as our accountant, but unfortunately she's received completely different advice from each person.Summary of suggestions by aid professionals (I'm getting this information second hand from my wife, so some details may have been misinterpreted):1) Have wife buy property from Mother as owner owned financing. Mother will then gift $14k a year to daughter and husband (me), paying down the balance.2) Accountant: Put the property into a trust and have Mother gift $14k a year (I have the least understanding of what was meant for this one).3) Lawyer: Open an s-corp or llc and have the Mother sign the deed over to the company. Liability protection was cited as for the reason to open an s-corp.Now I don't quite understand why it has to be so complicated. I think the 3rd suggestion is actually the best one, minus the s-corp part. We go to whatever office we have to go to (title company?), and the Mother signs the deed over to my wife. I see no reason to start a s-corp for liability purposes. The condo fees pay for anything that happens in the building/on property, and the tenant has insurance that would cover anything that happens within the office. The lawyer also quoted my wife $500 to open the s-corp (something I've actually done for myself recently in one day) and 'do the shares'. I don't know what the latter means (bless my wife's heart).Please me know if more details are needed and I appreciate any advice or insight that is shared.
Irrevocable Trust question
Added on : Monday April 15th 2013 02:01:27 PM
I am the owner/overseer on a trust that my parents setup a while back - they are both still living. Anyway, they want me to pull out $50K from the trust so that they can paydown on their mortgage on their house (the house is part of the trust, but the mortgage is not) so they can save some of the 6% on the interest for on the mortgage for the house. Does anyone know if there are tax implications for me (besides any gains the investment trust made) for pulling out $50K of the trust and then somehow paying their mortgage down $50K (the mortgage is in their name)?They were also told they could not refinance their mortgage because the house is in the trust - is that true?Unfortunately I am not real savvy or know all the proper terms when dealing with trusts - I just know that money wants to move from the trust over to a mortgage and the trust and mortgage are controlled by two different people - myself and my parents.Thanks in advance
Today's Free Kindle Books - 4/15/2013
Added on : Monday April 15th 2013 10:00:44 AM
All I can say is "They were listed as free when I posted on FW"
No Ordinary Hero (Keepers of Justice, Book 1) [Kindle Edition]
Dee J. Stone (Author)
http://www.amazon.com/dp/B00B6LP8GS
Book Description
Publication Date: January 26, 2013
The world is set to explode in three months.The source: a lonely girl with an extreme superpower fueled by the negative emotions inside her.The solution: send fourteen year old superhero-in-training Kale Zenith to be her friend and give her a reason to smile.The problem? The girl trusts no one.With the fate of the world in Kales hands, quitting is not an option. Perseverance is key to knocking down the many walls around her, and soon he gets to know Lindsay as more than just the girl who will destroy the planet.But theres trouble back home. A secret plot is brewing inside his superhero League, and its up to Kale to expose the traitor. But that takes time away from Lindsay when she needs him most. Can he save her and the world before its too late?
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Poster Girl (Friends Along the Way) [Kindle Edition]
Anne Emerick (Author), Laura Petrisin (Illustrator)
http://www.amazon.com/dp/B008PVQ2X0
Book Description
Publication Date: July 17, 2007
Paula wants to win the third-grade science poster contest more than anything. There's just one problem - and her name is Cynthia Lyden. Also known as Little Miss Perfect. Cynthia, a girl with a different hair scrunchie for every outfit. Cynthia, who handwrites whole pages without a single cross-out. Cynthia, who framed her poster and brought it in a day early. All Paula wants is a chance to shine a little. But is she smart enough to compete with Cynthia? And if so, will it matter? As the two girls compete, Paula makes a startling discovery that changes her desire to out-do her rival.
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Ten Interesting Things About Human Behavior [Kindle Edition]
Suzanne Davis (Author)
http://www.amazon.com/dp/B006RDFHCK
Book Description
Publication Date: October 1, 2011
Ten Interesting Things About Human Behavior is a short, lighthearted look at 10 things human beings do, why we do them, and their significance in our everyday lives. How do we resolve psychological conflict that occurs when our behavior violates our attitudes? Why are we so quick to blame others for their behavior while offering excuses for our own? What should we make of the talking heads on cable TV who argue about the cause of TV violence on children's behavior - whose explanation is correct? Why are reality TV shows, some of which portray contestants as pathetic and dysfunctional, so popular?Questions like these usually provoke different answers from different people, each of whom may attribute his or her answers to "common sense." One person argues that "of course children mimic violence they see on TV - my kids do" while another attributes it to "poor parenting - because my kids don't." Which is it, and why?Research psychologists try to answer these questions as best we can. This book is a brief look at the answers to 10 aspects of human behavior - answers derived from controlled behavioral research that is designed to test various theories about behavior. Certainly, there is more to human behavior than the 10 things I chose for this short book. And there are hundreds of primary sources and research reports that describe the research findings in more depth. They're out there if you'd like to read more.But for those who are new to the field of Experimental Psychology, 10 Things may pique your interest in learning more about the subject. And for those "armchair psychologists" out there who'd like a quick read about the most fascinating creatures on the planet - human beings - I think you'll like it, too.
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The Fireball Kid [Kindle Edition]
Bill Palmer (Author)
http://www.amazon.com/dp/B0054H3Z38
Book Description
Publication Date: June 4, 2011
The Sandlot meets The Wonder Years in The Fireball Kid - the story of 12-year-old Danny Voss, a South Side Chicago kid growing up in the racially charged mid '60s.
All Danny dreams about is playing baseball for the Chicago White Sox when he grows up, but 1964 presents some serious obstacles: The toughest teaching nuns in the Chicago Archdiocese. The Little League team and Coach from Hell. A major crush on beautiful, big-haired Gloria. Plus, a well meaning but extremely frugal father, a younger sister who wants to be a priest and a mother that thinks Danny's road to the Major Leagues is paved with her meatloaf.
Except for surviving a secret trip to Riverview, the worlds most dangerous amusement park, the summer of 1964 is hardly going Dannys way. But quicker than a Sandy Koufax fastball, Danny is flush with cash after taking a part-time clandestine job working for Willis, a charismatic black man who lures suckers to Riverviews African Dip" attraction. Dannys rep as the Fireball Kid earns him a spot on the Monarchs - an all black inner city ball team Willis manages. Its not long before the Fireball Kid finds himself playing in the game of his life with his big league dreams and his best friends life on the line.
The Fireball Kid is a hilarious and moving coming-of-age story that feels as good as spending a day at your favorite ballpark with a couple of best friends and a few cold beers.
-Matt Iseman, host of Sports Soup and Clean House.
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Make Him Commit and Think It's His Idea [Kindle Edition]
Nate Truman (Author)
http://www.amazon.com/dp/B008XT8KHA
Book Description
Publication Date: August 14, 2012
Introduction:
Why Should You Read This?  If guy after guy stops calling you 'out of
the blue', then this book is for you.  Hint: It's not 'out of the blue'- there are very specific
reasons why they quit calling you and I'm going to show you how to stop the
behaviors that are turning them off.  If you've had more than one guy 'shut down'
and quit talking during a disagreement, then you need to read this.  If you 'fight
a lot' with every guy you date... maybe you're not the unluckiest woman on the
planet that somehow 'finds all the jerks'...  Maybe it's YOU.  The fact
is, there are 5 very common things that women do unknowingly that really turn
men off... not only turn them off but have them running the opposite direction.  Most of
these you have no idea that you're doing... In fact, you probably think that it's
part of "playing the game", when in reality you're systematically turning him
off one mistake at a time.  A lot of
women think they know exactly what they're doing when it comes to dating and
reeling in the guy they want... but a lot of times the results speak for
themselves.  The
Next 30 Minutes Will Reverse Years of Frustration...  This
will only take you about 30 minutes to read... but it will help your dating
life out tremendously.  I've taken the biggest mistakes that women make
with us guys, and boiled them down into clear explanations that you'll
instantly "get"... and it will become very clear where your problems are.
_____________________________________________________________________________________________________________How To Talk To Your Kids & Grandkids: 10 Secrets To Being The Grandmother Everyone Adores [Kindle Edition]
Deborah Williams (Author), Linda A. Johnson (Author)
http://www.amazon.com/dp/B006P57THG
Book Description
Publication Date: December 21, 2011
How To Talk To Your Kids & Grandkids: 10 Secrets To Being The Grandmother Everyone Adores. The #1 Kindle Bestseller in Grandparenting.
This guide explores the 10 way to talk to your kids, as well as fun tips for opening up conversations with your grandkids. How To Connect Long Distance With Grandkids
Making the Most of Your Time with Grandchildren
Grandparent Visitation
Better Conversation with Grandkids
When Grandkids Visit
Step-Grandparentingand much, much more...The Ten Secrets are not just about becoming an amazing grandparent. They are about how to build, make, and keep strong relationships with your children, and create relationships with your grandchildren that will make a lasting difference in both your life and their lives.Whether your goal is to be a long distance grandmother or to be a key part of your grandchildren's lives, there's never been a better time to learn these skills.Curious? Scroll up and click the "Buy Now" button, and learn the 10 Secrets To Being The Grandmother Everyone Adores
__________________________________________________________________________________________________________________ Perfect Pierogi Recipes [Kindle Edition]
Rose Wysocki (Author)
http://www.amazon.com/dp/B00B0GC7YK
Book Description
Publication Date: January 11, 2013
In Perfect Pierogi Recipes Rose Wysocki shares both traditional and contemporary recipes for pierogi dough, fillings and toppings. Some are recipes from her Polish Mother and Grandmother. Others are recipes she's collected or developed over the years.You'll find a total of 51 recipes. They are very easy to make. Included are recipes for: 10 different pierogi doughs (traditional and contemporary), 15 savory fillings, 6 sweet fillings, 3 traditional pierogi toppings, 2 contemporary toppings, 9 compound butters and 6 sauces. You'll also find a list of 16 additional traditional toppings and 10 contemporary toppings (without recipes.) Finally you'll find a lot of information about the history of pierogi, how to make pierogi dough, different methods to cut, stuff and seal the pierogi, how to best boil, saute, deep fry or bake pierogi, how to freeze pierogi and more. Rose also provides information about a couple of pierogi cutting and sealing tools that will save you a lot of time in preparing pierogi.Making pierogi at home is really easy if you have the right directions. This book will give you a head start on making perfect pierogi for your family in your home.
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Out of Sight, Out of Mind - Easy Home Organization Tips and Storage Solutions for Clutter-Free Living [Kindle Edition]
Judith Turnbridge (Author)
http://www.amazon.com/dp/B008GSG64C
Book Description
Publication Date: July 1, 2012
Out of Sight, Out of Mind - Easy Home Organization Tips and Storage Solutions for Clutter-Free Living Do you feel trapped in a home too small and cluttered to breathe in? Would you like a designated place for everything?If you do, then Judith Turnbridge's latest book will provide you with all the answers you've been looking for.This easy-to-follow guide is jam-packed with practical tips and ideas for clutter-free home storage. It covers a host of topics on the separate areas of your home and gives you unique ideas on storing items such as shoes, makeup, books, and more. You'll learn how to utilize every inch of space, so you can say goodbye to being overwhelmed with clutter. You'll be able to stop wasting time and money looking for lost things and buying duplicates you already have. From now on your home will never be too small.Topics covered include: The living room
Storing toys in the living room
The kitchen - including a kitchen without many cabinets
The bedroom - including storage ideas for a small bedroom
Where and how to store clothes when there are no closets
How to keep nice/business clothes from getting wrinkled and dirty while in storage
How to store clothes in an under-bed storage bag without them smelling
How to raise a bed for under-bed storage
Socks and underwear storage when you don't have a bedroom dresser
Good makeup storage and organizational tips
Simple ideas for jewellery storage
The bathroom - including an extremely tiny bathroom
The kids room - including storing school artwork and crafts
The garage - including ideas for rodent-proof garage storage
How to solve shoe storage problems due to a cluttered closet
Storing shoes that do not serve an everyday purpose
Building your own DIY shoe racks
Handbags and purses
Storing a bike in a small apartmentThere's also much more in this fabulous book. You owe it to yourself to find out why nothing is better than a well-organized home and to finally turn your back on clutter forever.Judith Turnbridge is also author of the popular 'How to Declutter Your Home for Simple Living'.
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The Cuban Missile Crisis: A Very Brief History [Kindle Edition]
Mark Black (Author)
http://www.amazon.com/dp/B00AY4N4B4Book Description
Publication Date: January 6, 2013
Want to learn more about history, but dont think you have the time? Think again.The Cuban Missile Crisis, as it is known in the United States (US), occurred in October 1962. It was a naval military standoff that took place in the Caribbean Sea off the coast of Cuba between the two superpowers: the US and the Union of the Soviet Socialist Republics (USSR). Lasting thirteen days, it marked the height of the Cold War tensions, and was the closest the two nations had actually come to an outright war, which could in turn have led to a nuclear confrontation.The Very Brief History series is intended to give the reader a short, concise account of the most important events in world history. Each book provides the reader with the essential facts concerning a particular event or person; no distractions, just the essential facts, allowing the reader to master the subject in the shortest time possible.With The Very Brief History series, anyone can become a history expert!
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Free Country: A Penniless Adventure the Length of Britain [Kindle Edition]
George Mahood (Author)
http://www.amazon.com/dp/B0085W00M8
Book Description
Publication Date: May 23, 2012
"...spent last night laughing so much my coffee came out my eyes...""...this book is quite simply the best I've read in years...""...a completely bonkers challenge and a brilliantly funny read, I couldn't put it down...""...it reminded me of some of Danny Wallace and Dave Gorman's best bits...""...this wonderful story had me crying with laughter more often than not...""...inspiring, uplifting, need I say more? Quite brilliant...""...funny, totally engrossing and actually quite moving...""...one of the most heart-warming, genuinely funny books I have read in a long time...""...not many books keep me up 'till 4am, endangering my marriage in the process... Read it now...""...for the price of half a pint of beer you'll fill at least 4 pint glasses with tears of laughter..."
FREE COUNTRY: A Penniless Adventure the Length of BritainThe plan is simple. George and Ben have three weeks to cycle 1000 miles from the bottom of England to the top of Scotland. Theres just one small problem they have no bikes, no clothes, no food and no money. Setting off in just a pair of Union Jack boxer shorts, they attempt to rely on the generosity of the British public for everything from food to accommodation, clothes to shoes, and bikes to beer.During the most extraordinary of challenges, George and Ben scavenge through rubbish bins, search for the Loch Ness monster, wash dishes, clean hotels, sing Christmas carols for food, swim in lakes, descend Cornish hills on childrens bikes and cook a barbecue for 30 old people in a field. They spend the night in a greenhouse, a canal boat, a posh hotel, an empty house, a pub, a tent in a car park and a barn with a bull. Through the course of their hysterical journey they are clothed, fed and sheltered by the generous people of Britain; from llama farmers to onion farmers, students to lifeguards, a former rock-star to a former hit-man and Michael Eavis in a pair of hot-pants. They blaze a trail of open doors and warm hospitality the length of this green and pleasant land, proving that - both monetarily and opportunistically - Great Britain is undoubtedly a Free Country.
A question on "true" surcharge free ATMs
Added on : Sunday April 14th 2013 10:01:04 PM
So, when doing a search for a true surcharge free ATM you get a lot of hits for Allpoint, Moneypass, Co-Op network.On the surface these look like surcharge free ATMs, but it seems to me they are only free if the card you are using is a member of one of these networks (has the logo on the back - or the financial institution confirms membership).So these aren't true surcharge free if your card isn't a member (say a credit card which you want to do a cash withdrawal).Any tips on finding true no-surcharge ATMs...people say in Credit Unions, but I have the feeling most credit unions are a member of one of the networks above. I know Costco has $1.25-1.50 charges - but looking for 100% free.I'm looking specifically in Chicago so if anyone knows and wants to share (or at least PM me) would be appreciated.
Free Options Trading Kindle eBook @ Amazon (Was $49.99)
Added on : Friday April 12th 2013 06:00:03 PM
The Option Trader's Hedge Fund: A Business Framework for Trading Equity and Index Options [Kindle Edition]Digital List Price: $49.99
Print List Price: $49.99
Kindle Price: $0.00 includes free wireless delivery via Amazon Whispernet
You Save: $49.99 (100%) "In this book, a hedge fund manager and an option trading Coach show you how to earn steady, reliable income selling options by managing your option trades and running your option portfolio as a real business with consistent, steady returns. Packed with real-world examples, the authors show you how to manage your own one man hedge fund and make consistent profits from selling options by applying the basic framework and fundamental business model and principles of an insurance company. This framework helps you to apply your option trading strategy to a solid, predictable, business model with consistent returns. For someone who has some knowledge of trading options and wants to become a consistent income earner. The authors provide a complete operations manual for setting up your business. Gain pearls of wisdom from both a professional options trader and Coach, and from a hedge fund manager focused on managing an options based portfolio."http://www.amazon.com/dp/B00844NXC6/ref=nosim/?ascsubtag=FWbpbdad&tag=fatwalletcom&linkCode=as1
Amazon Coupons
Ball Sack: Molten Mesh Ball Bag, Holds up to 12 Soccer or Volleyballs for $13.45This is a great ball sack for coaches or just someone who wants to keep all of their balls in one place!http://www.amazon.com/Molten-Holds-Soccer-Volleyballs-Black/dp/B...Holds up to 12 Inflated Official Size Soccer Balls or Volleyballs
Durable and Lightweight Mesh Ball Bag
Bag Easily Folds up into Own Pocket and Zips Shut for Easy Storage
Color: Black
Amazon Coupons
What to do when in a car accident and other party is lying?
Added on : Monday April 08th 2013 03:01:14 PM
I was in a minor fender bender a few weeks ago. We exchanged names cell numbers and insurance information.The other party declined to call police to get a report. I was at fault.I rear ended other car.Minor damage to other cars bumper. Now this person is giving me a Body Shop estimate and texting me pictures of the damage she claims there was??? Totally not what I did to her car.There were a few scrapes. Now she wants $900 to replace her bumper. Neither party has filed a claim with Ins Comp at this point. I had told this girl I would look her estimate and we would talk. So no police report,no eye witness's.All she has are some texts between she and I on her phone and my Insurance info. How should I handle this situation. There were very small scratches and now she has pictures of a mangled bumper that I did not do.
Kindle Books 4/6/13
Added on : Saturday April 06th 2013 07:00:42 AM
As always, only guaranteed FREE at time of posting. All will have 4-5 stars, and there will be a mixture of genres, and books both new & old. I';; try to post more later, and please add any you find...The Rock Star's Daughter (The Treadwell Academy Novels) [Kindle Edition] (Teens)
http://www.amazon.com/Daughter-Treadwell-Academy-Novels-ebook/dp...
Pub. 7/5/11At the age of 15, Taylor Beauforte has only met her father twice in person. After all, he is the lead singer of a world-famous rock band, constantly on the cover of music magazines and giving interviews on MTV. He pays for Taylor to attend the Treadwell Academy, a prestigious boarding school in Massachusetts, and provides her mother with monthly checks to cover her basic needs, but has never made much of an effort to play an active part in Taylors life. Taylor's mom Dawn is the only family she has ever really known, and because of Dawn's hard-partying Hollywood lifestyle, studious Taylor is happiest on the other side of the country in Massachusetts with her nose buried in a book.
When Taylor 's mom unexpectedly dies the summer before Taylor starts her junior year, she receives a crash course in fame. She has no choice but to join her father and his new family on their summer concert tour before she has even had a chance to mourn the loss of her mother. Life as the daughter of a rock star seems like it would be enviable, but Taylor can't figure her dad out. He seems like a supportive authority figure (even if he's kind of a fashion tragedy) , but she is collecting a growing pile of evidence that he's a liar and a cheat. Her stepmother, Jill, cant seem to decide if she wants to treat Taylor like a girlfriend or a nuisance. Having had no time to grieve and say goodbye to her childhood before being thrust into the limelight, Taylor is suddenly finding herself in situations she could have never imagined before this summer.
With no one else to turn to, Taylor falls head over heels in love with Jake, the teenage son of one of the band's touring groupies. Taylor has growing concerns about Jake's background and the suspicious relationship between his mom and her own father, but is desperate for something real in her life onto which she can build a future. When Jake offers Taylor an opportunity to join him on a whirlwind adventure and leave her problems with her father far behind, Taylor has to decide should she carve out her own way in the world, or try to repair the relationship she has with her only living parent?
Over the course of the summer with the band, Taylor learns the depths of her own strength, the difficulty of overcoming loss, and that the definition of family means much more than shared bloodlines.Publishers Advisory: This book is intended for readers aged 12 and above. This book addresses topics of grief, infidelity, and includes romantic situations and mild language. We encourage parents to address mature topics associated with the difficult decisions of growing up with teen readers.=============================================
Rippler (The Ripple Trilogy by Cidney Swanson) [Kindle Edition] (Teens)
http://www.amazon.com/Rippler-The-Ripple-Trilogy-ebook/dp/B0052Z...
Pub. 3/08/13Over Two Weeks on the Amazon Teen Bestseller List!
When Samantha Ruiz turns invisible in front of team mates on a rafting trip,she knows something's wrong with her. According to her knowledgeable
friend Will, she's got a rare genetic disorder. Fearing a lifetime
sentence as a lab-rat, Sam wants to keep her ability secret. But she
also wants to know if there's a connection between dark Nazi experiments
on others like her and her own mother's death eight years earlier. At
the same time that Sam is sleuthing, she's falling hard for Will. And
soon, she'll have to choose between keeping her secrets hidden and
keeping Will safe.
========================================================30 Juices in 30 Days: Juicing Recipes for Health and Beauty [Kindle Edition]
http://www.amazon.com/30-Juices-Days-Juicing-ebook/dp/B00ATFVQYK...
Pub. 12.25.12One Month to a Healthier You
In Jeanene Kerr's "30 Juices in 30 Days: Recipes for Health and Beauty", you're going to get her exact steps for creating easy, healthy, and delicious juice recipes anyone can make. The benefits of juicing are immense, and in Kerr's book you'll find juice recipes not only for beautifying, but also to treat your body to nutrients we sorely need. Who has the time to eat 5 servings of vegetables and 4 servings of fruit every day? These juice recipes will allow you to get a super-fast, 15 minute infusion of nutrients your body needs through juicing. Processed foods take anywhere from 6 to 20 hours to fully digest. Vegetable and fruit juices get into your bloodstream and make you feel good in as little as 15 minutes! Included in the book are 30 full juice recipes that will: - Give you glowing, youthful skin and wrinkle fighters
- Energize your mood and strength
- Lower blood pressure and give you a healthier heart
- Aid in weight loss and recipes for meal replacements
- Boost your immune system with antioxidant-rich ingredientsOne juice per day for a month will leave you feeling like a new person. Your body will reward your healthy habit by not only feeling more energized -- you'll start to look healthier, too! That means clearer skin, softer hair, and stronger nails -- and this is just the beginning. These beautifying details are side effects of a healthy lifestyle, and you can have it all just by juicing. Juicing is so easy, anyone can do it. Most recipes are only 5 ingredients or less and take only minutes to make. Best of all -- they're plain ol' delicious! Jeanene shows you how to make any juice delicious with the addition of particular ingredients. Bonus: What to do with all the leftover juice pulp? Don't just throw it away! Jeanene includes a signature recipe for a tasty juice pulp cake and muffins. Baked goods have never tasted so good, while being so good for you.
===========================================================Juicing Recipes For Oranges (Benefits Of Juicing) [Kindle Edition]
http://www.amazon.com/Juicing-Recipes-Oranges-Benefits-ebook/dp/...
Pub. 3/29/13This information was developed by my family to help us enjoy the benefits of juicing. We always grew a garden every year and juicing was a great way to use the ripe fruits and vegetables that we were fortunate to gather throughout the growing season.This book focuses on a favorite of most people--Orange Juice and many tasty combinations with other fruits and vegetables to add variety to this favorite juice.There are three ways to enjoy fruits and vegetables or a combination of fruits and vegetables. Eating, juicing or blending.You will need to try out juicing or blending to see which one will work for your lifestyle. Exploring the options or adding the option that will work for you will make it easy for you to enjoy more fruits and vegetables in your diet.
===================================================Just Desserts [Kindle Edition]
http://www.amazon.com/Just-Desserts-ebook/dp/B00AK3RB7W/...
Pub. 12/6/1244 recipes for festive desserts and drinks for the holiday season, all contributed by the wonderful authors and staff at Tirgearr Publishing.This book is a celebration of our publishing year and instead of the traditional Christmas card, we thought we would put together a book of our favorite festive recipes.All the authors and staff have given their recipes and time to make this book without remuneration.** All proceeds from the sale of this book go to charity. **DESSERTSBe Still My Heart Banana Nut Bread by Patricia McAllister
Bread Pudding by Kemberlee Shortland
Canadian Christmas Pudding with Rum Sauce by Lynette Willows
Cappuccino Mousse by Christine McPherson
Chocolate Fondue by Stephanie Johnson
Chocolate Seduction Cake by Charlene Raddon
Cream Cheese Cookies by Dellani Oakes
Crumbs Crumble by Cathy Mansell
Dark Dream Bites by K.A. Laity
Divinity Fudge by R.L. McCoy
Individual Apple Sponges by Christine McPherson
Irish Brack by Cathy Mansell
Irish Pancakes with Sugar and Lemon by Peter Shortland
Magpie Pie by K.A. Laity
Mexican Wedding Cookies by Scarlett Valentine
Mince Pies by Peter Shortland
Mini Filo Dessert Bites by Isabo Kelly
Oatmeal Cookies by Charlene Raddon
Pecan Pie by R.L. McCoy
Pumpkin Pie by Amanda Stephanie
Pumpkin Roll by Carley Bauer
Pumpkin Spice Bread by Amanda Stephanie
Raspberry-Topped Lemon Pie by Charlene Raddon
Red Velvet Cupcakes by Scarlett Valentine
Rich, Thick and Chocolate Brownies! by Christy Nicholas
Rum Balls by Kristi Ahlers
Savarin Cake by Charlene Raddon
Shes My Cherry Pie by Scarlett Valentine
Shortbread Cookies by R.L. McCoy
Sugar Cookies by Kristi Ahlers
The Real Deal Baked Cheesecake by Patricia McAllister
Walnut Spice Cookies by Isabo KellyDRINKSBrandy Eggnog by Dellani Oakes
Ginger Snap Martini by Stephanie Johnson
Hogmanay by Stella Whitelaw
Holly Berry by Stella Whitelaw
Hot Apple Cider by Kemberlee Shortland
Hot Butterscotch Chocolate by Christy Nicholas
Hot Chocolate Mix by Dellani Oakes
Mulled Cranberry Juice by Lynette Willows
Peppermint Martini by Stephanie Johnson
SnowFall (not Snowball) by Stella Whitelaw
The Manchester by C. Margery Kempe
The Swan Prince by C. Margery Kempe
========================================================Get High Eat Well - Pot Smoker's Guide To the Munchies [Kindle Edition]
http://www.amazon.com/Get-High-Eat-Well-ebook/dp/B00BRYQM2I/...
Pub. 3/09/13Get High Eat Well - Pot Smoker's Guide To the Munchies is the go-to guide or the essential food bible for the food passionate and herbal connoisseur. If you just love to eat damn good food then this is creme da le creme ladies and gentleman.A peculiar phenomenon associated smoking marijuana is increased hunger... This phenomenon is often called, Having the munchies." Research actually shows that smoking marijuana increases food enjoyment and the number of times a person eats each day.So why not be ready? Why not prepare yourself for the "munchies?" World renown Marijuana Enthusiast, "The Pathfinder" shares with YOU, the recreational pot smoker, his very best munchies recipes. Painstakingly researched and compiled over many years of both pot smoking and gourmet cooking, The Pathfinder has created a ONE OF A KIND insider's guide to satisfying those munchies like they've never been satisfied before.Munchies were a relative mystery until recently... However, a recent study by Italian scientists very likely explains what happens to increase your appetite after smoking marijuana. Molecules called endocannabinoids bind with receptors in the brain and activate hunger pangs thereby creating the "munchies."You know you're going to give in to the munchies anyway, so why not give in GOURMET STYLE?
===========================================================Go Veggie! The New Vegetarian Cusine [Kindle Edition]
http://www.amazon.com/Veggie-The-Vegetarian-Cusine-ebook/dp/B00A...
Pub. 11/04/12More and more people want to enjoy a healthy diet, and are discovering the delights of vegetarian cuisine. Go Veggie! contains the entire richness of meatless cuisine that lacks nothing!Whether a quick meal during the working week or a clever recipe to delight guests, everything is explained clearly, step by step, and the many photographs make sure that even beginners can enjoy culinary success. The dishes are all combinations of lots of fresh vegetables, carbohydrates and the important plant proteins such as nuts, legumes, dairy products and eggs healthy and delicious! Go Veggie! will also show you how the protein foods tofu, seitan, and tempeh can be made into delicious dishes.
-----------------------------------------------Lonely Planet Across Asia on the Cheap [Kindle Edition]
http://www.amazon.com/Lonely-Planet-Across-Cheap-ebook/dp/B00BG3...
Pib. 2/01/13Lonely Planet: #1 Travel publisher in the world*
Lonely Planet Across Asia on the Cheap is a reprint of the very first Lonely Planet guide, originally published in 1973. It gives anyone interested in travel a unique insight into how Lonely Planet began and an idea of what it was like to travel Overland from Europe to Asia, 40 years ago. Inside Lonely Planet Across Asia on the Cheap Introduction to the Lonely Planet story
Latest eBooks Discover how far Lonely Planet's books have changed over the last 40 years
Country by country get an understanding of what it was like to travel Overland in the 70s... ideal for the armchair traveller eBook Features Seamlessly flip between pages
Quickly find what you are looking for with search capabilities
Use bookmarks to quickly return to a page
Add notes by touching a word to personalize your guidebook
Inbuilt dictionary allows you to quickly look up the meaning of any word
=========================================================Adventure Travel - 16 stories from a world traveller hoping to provide little inspiration for your next travel... by Ian Usher
http://www.amazon.com/Adventure-Travel-traveller-inspiration-ebo...
Pub. 4/29/12When Ian Usher put his "life" up for sale on eBay in 2008, he had no idea where life's adventure was going to take him next. Asked many times in interviews, "What will you do once you have sold your life?", his usual glib response was, "Anything I like, really!"But what did he really want to do next? After some frantic list writing, and last-minute planning, a two-year adventure developed - a list of 100 lifetime goals, and a challenging timeline of 100 weeks! This book details a few of the more adrenaline-fuelled and adventurous activities found along the way. The amazing adventures chronicled here include:-Bungee jump #1
Tomatina
High-diving
Oktoberfest
Hawk flying
Guns
Jet boat
Horse riding
Dog sledding
Captain Zodiac
Outback 4WD
Ayers Rock/Uluru
Kitesurfing
Cheese rolling
Wall of Death
Running with the bulls at PamplonaThe book also includes photos, and links to videos of many of the adventures too. Who could fail to be inspired to get out there and experience some of the adventure that the world has to offer?
=============================================================Candle in the Darkness (Refiner's Fire Book #1) (Refiner's Fire) [Kindle Edition]
http://www.amazon.com/Candle-Darkness-Refiners-Fire-ebook/dp/B00...
Pub. 1/01/02Book 1 in the Refiner's Fire series. The daughter of a wealthy slave-holding family from Richmond, Virginia, Caroline Fletcher is raised in a culture that believes slavery is God-ordained and biblically acceptable. But upon awakening to the cruelty and injustice it encompasses, Caroline's eyes are opened for the first time to the men and women who have cared tirelessly for her. Her journey of maturity and faith will draw her into the abolitionist movement, where she is confronted with the risks and sacrifices her beliefs entail.
===================================================Modern Buddhism: The Path of Compassion and Wisdom - Volume 1 Sutra by Geshe Kelsang
http://www.amazon.com/Modern-Buddhism-Compassion-Wisdom-ebook/dp...
Pub. 4/16/11Introduction and EncouragementThis eBook Modern Buddhism The Path of Compassion and Wisdom, in three volumes, is being distributed freely at the request of the author Geshe Kelsang Gyatso (the Kindle Store sets the minimum price at 99 cents and also additional taxes are added in many countries). The author says: Through reading and practicing the instructions given in this book, people can solve their daily problems and maintain a happy mind all the time. So that these benefits can pervade the whole world, Geshe Kelsang wishes to give this eBook freely to everyone.We would like to request you to please respect this precious Dharma book, which functions to free living beings from suffering permanently. If you continually read and practice the advice in this book, eventually your problems caused by anger, attachment and ignorance will cease.Volume 1 Sutra explains how to practise basic Buddhist compassion and wisdom in daily life. Covering topics such as What is Buddhism?, Buddhist Faith, The Preciousness of our Human Life, What does our Death Mean?, What is Karma?, The Four Noble Truths & Training in Love and Compassion, this volume shows how we can transform our lives, improve our relationships with others and look behind appearances to see the way things really are.Please enjoy this special gift from Geshe Kelsang Gyatso, who dedicates: May everyone who reads this book experience deep peace of mind, and accomplish the real meaning of human life.
====================================================Your Happily Ever After by Dieter F. Uchtdorf (May 25, 2012) - Kindle eBook
http://www.amazon.com/Your-Happily-Ever-After-ebook/dp/B00867483...Sometimes we need a reminder that life was never all sunshine and roses for fairy-tale princesses. Before the true love's kisses and happily ever afters, there came once upon a times of poisoned apples, spindle pricks, and impossible tasks.Speaking to the princesses of our Heavenly King, President Dieter F. Uchtdorf compares their challenges to those faced by famous fairy-tale heroines. Recounting Belle's captivity, Cinderella's servitude, and the sacrifices of the miller's daughter, President Uchtdorf emphasizes that each princess had to overcome adversity before she reached her happily ever after.Your Happily Ever After is an inspiring and uplifting message that will encourage latter-day princesses to focus on God's plan, to find happiness in service, and to embrace the blessings of the gospel.
=================================================================The Honor of the Queen (Honor Harrington) by David Weber (Mar 1, 2000) - Kindle eBook (Sci Fi)
http://www.amazon.com/The-Honor-Queen-Harrington-ebook/dp/B00BBI...RIGHT WOMAN, WRONG PLACEIt's hard to give peace a chance when the other side regards war as the necessary prelude to conquest, and a sneak attack as the best means to that end. That's why the Kingdom of Manticore needs allies against the so-called ""Republic"" of Haven--and the planet Grayson is just the right strategic place to make a very good ally indeed. But Her Majesty's Foreign Office had overlooked a ""minor cultural difference"" when they chose Honor Harrington to carry the flag: women on the planet Grayson are without rank or rights; Honor's very presence is an intolerable affront to every male on the planet.At first Honor doesn't take it personally; where she comes from gender discrimination is barely a historical memory, right up there in significance to fear of the left-handed. But in time such treatment as she receives from the Graysonites does become wearing, and Honor would withdraw if she could--but then Grayson's fratricidal sister planet attacks without warning and she must stay and prevail, not just for Honor's honor, but for her sovereign's, for--THE HONOR OF THE QUEEN.At the publisher's request, this title is sold without DRM (Digital Rights Management).
===============================================================Viewers (The Viewers Trilogy) by Scott Hawthorne (Mar 28, 2013) - Kindle eBook *Sci Fi)
http://www.amazon.com/Viewers-The-Trilogy-ebook/dp/B00C3N0C3M/re...
Pub. 3/28/13They can access alien technologies with only their minds. Captured by a psychopath, sixteen year old Glen Davies and his friends Alyssa and Neil must now choose between saving their loved ones and the subjugation of the planetSince the dawn of man, there have been Viewers. Leonardo Da Vinci, Issaac Newton, Albert Einstein, Bill Gates. People who, using only their minds, can tap into an alien internet and glimpse advanced technologies. Many of them think what they see comes from their own imagination. Others know better. For ages they have advanced our quality of life through their inventions and discoveries.But now, a mad man has decided to capture every viewer he can, and force them to use their abilities to create for him advanced weaponry with which he will conquer and subjugate every country on Earth. Their only way to stop him is if Glen and his fellow captive viewers fight back but to do so and fail would mean that they, their families, and loved ones would pay the ultimate price.
========================================================The Busy Writer's One Hour Plot by Marg McAlister (May 14, 2012) - Kindle eBook
http://www.amazon.com/Busy-Writers-Hour-Plot-ebook/dp/B0083FXTB6..."I have gone to writer's conferences for over 10 years now and have read most of the books out there on writing. Your One-Hour Plot book is the best tool I have read and heard about. It has completely changed how I write. I HATE outlining and plotting; I am a pantser. But, with your approach, I can do it and not hate it. Using the One-Hour Plot, I am able to create an easy outline. Thank you for writing so simply that I can understand and apply your advice immediately. (But, simplicity does not mean your books are not full of powerful material. On the contrary!)" Stacy DupleaseIf you're a busy writer who loves to write, but hates to plot... the One-Hour Plot System is just what you've been looking for!Lots of people have great ideas for a book. They're so excited that they just can't wait to fire up the computer and start writing. Dizzying visions of being a popular author with fans lining up for the next book have them bashing out page after page... for a few days. Or maybe even a few weeks. Then the harsh reality sets in. They take a day off writing The Novel, because they have come up blank. They can't seem to work out what should happen next... maybe a night off will help?The next day they still can't think of what to do next, so they take another day off. Uh oh. Is this the dreaded 'Writer's Block' they've read about??? Probably not. It's more likely to be You-Forgot-to-Plot-Your-Book Block. The sad truth is that while some writers can write day after day and plot 'on the fly', most of us need to have some idea of where we're going. It's not necessary to sit down and create a 40-page outline or spend days on character profiles (although you can if you want to!) but you will have a better chance of writing your book quickly and easily if:You know what your characters want,
You know why they want it, and
You know how they plan to get it.
That's where the Busy Writer's One-Hour Plot comes in. It shows you how to sit down with a timer and a handful of index cards, and work out a solid framework for your story... in just 60 minutes. But it doesn't stop there. It also shows you: How to prime the pump (so the ideas flow during that 60 minutes)
How to tweak your plot (you have the framework - now start fleshing it out)
How to use sub-plots
How to write a good ending
How to add a twist
Where to find further resources (because good writers are always thirsty for more knowledge!)
Everyone can spare an hour. At the end of it, armed with The Busy Writer's One-Hour Plot, you could also have the beginnings of your own best-seller. More comments from writers: "I've just tried the one-hour plot and loved it! I had no idea how the story would end so this surprised me... this is fast and doesn't let me procrastinate." Sharon Halasz "I closed the door. I muted the mobile. I set the timer for an hour. I started with an idea and I went from there... When the timer buzzed an hour later I had an outline of the plot: setting, character motivation, obstacles, action, character growth and the all-important ending. I had a working outline of my next novel!" Margaret Warner.
=======================================================================If Only I Could Read "Going to the Jungle" (Andy's Alphabet Adventures) by Heather Humbert (Mar 31, 2013) - Kindle eBook
http://www.amazon.com/Could-Jungle-Alphabet-Adventures-ebook/dp/...If Only I Could Read is a book series
"Andy's Alphabet Adventures Volume 1 "Going to the Jungle"
is a fun adventure with each alphabet letter colored for easy learning.
This book takes children on a fun adventure of ideas and imagination.
"If Only I Could Read" will inspire, encourages and teach children that
when they learn how to read and use their imagination...
they can go anywhere and do anything inside any book they are reading!
=========================================================================Understanding Credit Cards (Credit Cards 101) by Soluciones Tainas (Mar 25, 2013) - Kindle eBook
http://www.amazon.com/Understanding-Credit-Cards-101-ebook/dp/B0...Technology continues to advance everyday, with it so do advances in the economy. When it comes to financial resources, innovation; as a result of efficient financial system and services; has actually given individuals the best ways to manage their finances. One of great advances are Credit Cards. But just what are credit cards and how do we use them? How can you find the best one for your needs? This book gives you the basics of proper credit card adquisition, management and credit history maintenance.Est. Reading Time: 10 mins.
===============================================================Natural Mosquito Control: How To Get Rid Of Mosquitos Fast Without Toxic Chemicals or Insecticides (Organic Pest... by Stephen Tvedten (Mar 16, 2013) - Kindle eBook
http://www.amazon.com/Natural-Mosquito-Control-Insecticides-eboo...How To Kill Mosquitoes Without Pesticides or Toxic Chemicals Learn The Secrets of a Natural Bed Bug Pest Control Expert Everything you've been taught about killing mosquitoes is wrong! Learn how to: Kill Mosquitoes Instantly Without Any PesticidesDid you know that spraying pesticides to kill mosquitoes actually increases mosquito populations? This is because the same pesticides that "control" mosquitoes actually kill all the mosquito predators, including dragonflies. And the mosquitoes are much more resilient and respawn faster than their predators. So if you want an even worse mosquito problem, by all means start spraying pesticides. But if you want to get rid of your mosquito problems once and for all, read this book!
11 Natural Mosquito Repellents That Work Better Than DEETDEET and other chemical mosquito repellents aren't nearly as effective as natural insect repellents like catnip and 10 others you'll learn about in this book.
-=============================================================Ultimate Green Cleaning For Busy, Eco-Friendly People by Dylan Cruise (Mar 18, 2013) - Kindle eBook
http://www.amazon.com/Ultimate-Cleaning-Eco-Friendly-People-eboo...Discover how quickly and easily you can convert your home to an eco-friendly, sustainable, safe environment with Ultimate Green Cleaning! You'll learn of remarkable new eco-friendly technologies that save money and clean better than standard chemical cleaning. You'll discover simple, affordable solutions to replace many of the chemicals we use to clean our homes and automobiles. And You'll ultimately save money at the same time, as you won't be paying for over-priced, under-performing, potentially-dangerous chemical solutions for cleaning your home.Clean better. Clean safer. Clean faster. All natural, sustainable, and most importantly, effective solutions are provided in an easy-to-read, step-by-step format.Features and explains two new products that are just recently available to the marketplace, the e-cloth and the PureWash.
Kindle Books 4/5/13
Added on : Friday April 05th 2013 07:02:09 AM
As always, only guaranteed FREE at time of posting. All have 4-5 stars, Hope to have a variety of genres, and a mix of new and old for you to enjoy. Feel free to add any you find please!The Fallen Star (Fallen Star Series Book 1) [Kindle Edition] (YA)
http://www.amazon.com/Fallen-Star-Series-Book-ebook/dp/B004W0COE...
Pub. 9/11/12For eighteen year-old Gemma, life has never been normal. Up until recently, she has been incapable of feeling emotion. And when shes around Alex, the gorgeous new guy at school, she can feel electricity that makes her skin buzz. Not to mention the monsters that haunt her nightmares have crossed over into real-life. But with Alex seeming to hate her and secrets popping up everywhere, Gemmas life is turning into a chaotic mess. Things that shouldnt be real suddenly seem to exist. And as her world falls apart, figuring out the secrets of her past becomes a matter of life and death.
===========================================Alone: The Girl in the Box, Book 1 [Kindle Edition] (YA)
http://www.amazon.com/Alone-The-Girl-Book-ebook/dp/B007T9GY46/re...
Pub. 4/10/12Sienna Nealon was a 17 year-old girl who had been held prisoner in her own house by her mother for twelve years. Then one day her mother vanished, and Sienna woke up to find two strange men in her home. On the run, unsure of who to turn to and discovering she possesses mysterious powers, Sienna finds herself pursued by a shadowy agency known as the Directorate and hunted by a vicious, bloodthirsty psychopath named Wolfe, each of which is determined to capture her for their own purposes...
=================================================Where Are the Dinos? (children)
http://www.amazon.com/Where-Are-the-Dinos-ebook/dp/B00C3O6T2Y/re...
Pub. 3/28/13This picture ebook title features vivid, full-color layouts with Kindle Text Pop-Up★★★
A day at the zoo is not complete without visiting the dinosaurs, right?
But, hey.where are they?I wonder why, I wonder how
Where are all the dinos now?Boys and girls will delight in this fast-paced rhyming adventure chock-full of hilarious questions from a very persistent young visitor at the zoo.What do dinos find in shops?
Polka-dot tricera-tops?The laughs keep coming in this charming adventure full of dino-mite humor and fun. It's the perfect good time read that kids will enjoy reading over and over again.
-------------------------------------A to Z of Silly Animals - The Best Selling Illustrated Children's Book for All Ages by Sprogling (children)
http://www.amazon.com/Silly-Animals-Illustrated-Childrens-ebook/...
Pub. 3/6/13A wonderfully silly A to Z picture book of ridiculous mythical animals. The charming, original illustrations and witty captions are sure to delight children of all ages as well as parents.Enjoy the A to Z of Silly Animals with your child today!
===================================================Seven Days From Sunday (An MP-5 CIA Thriller, Book 1) [Kindle Edition]
http://www.amazon.com/Seven-Days-Sunday-Thriller-ebook/dp/B00359...
Pub. 1/19/10#1 Amazon KINDLE BESTSELLER IN "MYSTERIES & THRILLERS" #1 Amazon KINDLE BESTSELLER IN "SPY STORIES & TALES OF INTRIGUE" In this fast paced thriller, Iraq's top terrorist makes two promises - a kidnapped American contractor will be executed on a given date, his body dumped in Baghdad's Green Zone and a major attack will occur in seven days. Working desperately to find the American and thwart the impending attack is an elite 4-man CIA team which includes an attractive female doctor. But they can only watch helplessly as the terrorist and his masked henchmen behead the American during a live video feed carried on the Internet. What they don't know is that one of the masked men is not a terrorist, but completely innocent. He is an Iraqi pharmacist who has infiltrated the group. His only objective - to find his missing fiance, who the terrorist has also kidnapped. After the beheading, he is free to go. But little does he know that his fiance will bring the deceased American's head to the Green Zone, and inside the dead man's mouth is evidence linking him to the terrorist.This is the first novel in M.H. Sargent's popular MP-5 CIA series. The other novels include The Shot To Die For, Operation Spider Web, The Yemen Connection, Alliance of Evil and The Birdwatchers. Sargent has also written a murder mystery set during WWII, Toward Night's End.***Includes bonus excerpt from Sargent's next book, The Shot To Die For***
==================================================Night of the Assassin (Assassin series) [Kindle Edition]
http://www.amazon.com/Night-Assassin-ebook/dp/B006M5L5JC/ref=sr_...
Pub. 9/19/12Night of the Assassin is the second book in the Assassin series, and is the gritty, edge-of-your seat prequel to King of Swords. A no-holds-barred, breakneck-paced thriller, Night charts the early years of El Rey - known as the King of Swords - a super-assassin responsible for some of the world's most spectacular and daring executions.Framed against the backdrop of present-day Mexico's brutal narco-trafficking violence, Night of the Assassin chronicles the making of a monster - a cold-blooded, ruthless killing machine. Raw, disturbing, edgy and unflinching, this epic saga defies convention to create a roller-coaster of intrigue, suspense and thrills that will leave even the most jaded thriller aficionados gasping for breath.Best if read after King of Swords, Night was written to provide background on El Rey, with the assumption that the reader is already familiar with the events in King of Swords===========================================================
The Book of Sight [Kindle Edition]
http://www.amazon.com/The-Book-of-Sight-ebook/dp/B00BZWWJI8/ref=...
Pub. 3/22/13Book One in The Book of Sight SeriesA book can be a wonderful gift.When Alex received an unexpected package, she never dreamed the book it contained
would change her life forever. After all, the words inside were gibberish.She had no idea the places that book would take her, the friends that book would help her
make or the wonders that book would reveal.She had no clue the trouble that book would bring, either.A book can be a dangerous gift.
==================================================MAINTENANCE MAN II [Kindle Edition]
http://www.amazon.com/MAINTENANCE-MAN-II-ebook/dp/B008257Q4I/ref...
Pub. 5/10/12MAINTENANCE MAN II
MONEY, POLITICS AND SEX...EVERYONE HAS A PRICEIn Maintenance Man II: Money, Politics and SexEveryone Has A Price Baisden builds upon the saga of his former main character, Malcolm Tremell, a gigolo who first came to life in Baisdens 1999 release The Maintenance Man. The Maintenance Man saw the author gain notoriety for unapologetically disclosing the lifestyle of a man who rendezvoused for pay with married women. The original Maintenance Man followed a litany of releases, including Men Cry In The Dark, Gods Gift To Women, Do Men Know What They Want and solidified his stance as one of the most successful self-published male authors on the literary scene. With Maintenance Man II, Baisden broadens the storyline as Tremell comes out of retirement to not only rebuild his contact list of high-end female clientele, but also franchise a male escort service worldwide. Intrigue, drama and danger quickly come into play when Tremell liaisons with the wife of a powerful and corrupt Republican senator. When they unwittingly uncover the senators underhanded deal with the powerful Kross brothers for political control, Tremell will have to tap his military training and street smarts to not only save his life, but also those closest to him.Baisden, once again educates as he entertains, brilliantly engaging his readers. Utilizing Malcolm Tremell as the ultimate Renaissance man protagonist, he brazenly unveils several harsh and dark realities behind the current political process. He skillfully touches on some of the most critical political issues to date, including voter suppression as well as corporate greed, seamlessly interspersing them between a romantic and politically charged plot. The novels tone is captivating and inviting, whisking the reader into a non-stop escapade of sex, action and adventure.After years of being out of the gigolo lifestyle, Malcolm has to rebuild his list of contacts and high-end clientele. But he still has his good looks, his Rolodex, and his reputation. This time he vows that nothing will stand in his way of getting back on top and creating a franchise of escort services worldwide. He disguises his gigolo lifestyle as a nightclub owner in Miamithe perfect cover to mix business with pleasure.
=================================================What is Gluten Free Covering the A to Z of Gluten Free [Kindle Edition]
http://www.amazon.com/What-Gluten-Free-Covering-ebook/dp/B00A4FO...
Pub. 11/8/12What is Gluten Free is an easy to follow guide that will help you to understand the categories of gluten intolerance. The list of symptoms that are reported from people suffering from various forms of gluten intolerance is truly staggering. Another sad statistic is the amount of people that go undiagnosed from having one of the forms of the illness. What's more disheartening is that these people need only to go on a gluten free diet to virtually eliminate these nasty symptoms that are reeking havoc on their body systems.After covering the basics of what it means to be gluten free, you'll learn what it really takes to live day to day with gluten sensitivity or with Celiac disease. We'll cover the many foods and products that contain gluten and of course what foods are gluten free. You may be surprised to find out about some of the options that are now available for gluten free cooking in the home, as well as when we're on the go. With today's fast paced and often hectic schedule, many people simply don't have time to plan and cook gluten free meals everyday of the week. So when your on the go, you will learn how to find gluten free restaurants and when that isn't an option, you'll learn what to do when you don't have a gluten free menu. Traveling on vacation, or on holiday are covered too.Many people think that living a gluten free lifestyle is a huge expense that will severely impact your budget. We've got two chapters devoted to this topic alone. Learn the tips and tricks to saving money when you go out to buy gluten free products. We'll also share a very unique way to save real dollars that will add up quickly, thus making living gluten free easier than you ever thought possible.Other questions answered in 'What is Gluten Free' eBook...Are there health benefits to living gluten free?
If I'm not gluten intolerant, is a gluten free diet bad for me?
What are the triggers that might cause a person to have Celiac disease or gluten sensitivity?
Why is Celiac disease or gluten intolerance often misdiagnosed?This publication is a must read for anyone who is interested in maintaining good overall health and well being.
--------------------------------------------The Diet Dropout's Guide to Natural Weight Loss: Find Your Easiest Path to Naturally Thin
http://www.amazon.com/Dropouts-Guide-Natural-Weight-ebook/dp/B00...
Pub. 1/1/13This book isn't about the latest celebrity diet, wonder food, or miracle supplement. It's about creating a personalized weight loss planyour own easiest path to naturally thin. While you can lose weight with almost any diet, keeping the weight off is much more difficult, requiring permanent changes in eating and exercise habits. This book provides a science-based approach for making those changes in a way that works best for you, without wasting time, money, or effort.Dr. Spencer explains why we gain weight and why the fat lost by dieting almost always comes back. He then presents an array of practical weight loss tools for controlling emotional eating, calming cravings, boosting metabolism, and improving nutrition and exercise. In the final chapter he has you create a natural weight loss plan based on your unique set of needs, abilities, and preferences. Simple recipes are provided for weight loss foods that reduce cravings and prolong satisfaction. What this book offers is a solid approach to weight lossself-directed, gradual, and lastingin contrast to the quick but fleeting weight loss offered by most one-size-fits-all diet plans.
========================================================5-Minute Miracle Exercises: Lose 5 Pounds in 2 Weeks - Only 5 Minutes a Day! (w/extras if you have a Kindle fire
http://www.amazon.com/5-Minute-Miracle-Exercises-Minutes-ebook/d...
Pub. 6/21/11Newly Updated & Expanded for 2013 - 12 FREE Bonus Reports Included! If you would like to lose a solid 5 pounds in the next two weeks while exercising just 5 minutes per day (and without changing your diet), then this book by Jennifer Jolan will show you how.The book is here and entitled: "5-Minute Miracle Exercises"And it contains two secret exercises (you will probably never see any of today's "fitness gurus" talk about) that promote quick fat loss even if you don't change a thing about your current diet.
--------------------------------------------------The Truth About Butterflies: A Memoir [Kindle Edition]
http://www.amazon.com/The-Truth-About-Butterflies-ebook/dp/B005F...
Pub. 8/2/11They belong to each other, Nancy and Nicole--mother and daughter. They're two halves of a whole, two facets of the same breath--until the day Nicole exhales. . . and never inhales again. After the death of her daughter, and quickly losing her own battle with grief, Nancy decides to move from the house she can no longer bear to live in. While packing, she comes across a box in the attic. Inside this box, Nancy uncovers treasures she didn't know existed and evidence that her and her daughter's lives had been more divinely entwined than she could've imagined.The Truth About Butterflies is a true story of grief, hope, and transformation, and a single enduring truth: Life cannot be restrained by death.
==================================================Harriet Tubman - The Moses of Her People [Illustrated]
http://www.amazon.com/Harriet-Tubman-People-Illustrated-ebook/dp...
Pub. 10/25/08Harriet Tubman was an African-American abolitionist, humanitarian, and Union spy during the U.S. Civil War. After escaping from captivity, she made thirteen missions to rescue over seventy slaves using the network of antislavery activists and safe houses known as the Underground Railroad. She later helped John Brown recruit men for his raid on Harpers Ferry, and in the post-war era struggled for women's suffrage.Born into slavery in Dorchester County, Maryland, Tubman was beaten and whipped by her various owners as a child. Early in her life, she suffered a traumatic head wound when an irate slave owner threw a heavy metal weight at her, intending to hit another slave. The injury caused disabling seizures, headaches, and powerful visionary and dream activity, and spells of hypersomnia which occurred throughout her entire life. A devout Christian, she ascribed her visions and vivid dreams to premonitions from God.In 1849, Tubman escaped to Philadelphia, then immediately returned to Maryland to rescue her family. Slowly, one group at a time, she brought relatives with her out of the state, and eventually guided dozens of other slaves to freedom. Traveling by night and in extreme secrecy, Tubman (or "Moses", as she was called) "never lost a passenger". Heavy rewards were offered for many of the people she helped bring away, but no one ever knew it was Harriet Tubman who was helping them. When a far-reaching United States Fugitive Slave Law was passed in 1850, she helped guide fugitives further north into Canada, and helped newly-freed slaves find work.
======================================================Hugh Young's Ten Golden Rules of Equity Investing [Kindle Edition]
http://www.amazon.com/Youngs-Golden-Equity-Investing-ebook/dp/B0...
Pub. 12/14/12Hugh Young is a star fund manager at Aberdeen Asset Management, with over 25 years' experience and a dazzling record of returns. He has marshalled Aberdeen portfolios through numerous market cycles, and in this eBook reveals the secrets of his success, accompanied by the witty illustrations of cartoonist Fran Orford.--------------------------------------------------------------------------------Tales of the Revolution: True Stories of People who are Poking the Box and Making a Difference [Kindle Edition]
http://www.amazon.com/Tales-Revolution-Stories-Difference-ebook/...
Pub. 4/19/11Early in March, The Domino Project published Seth Godins Poke the Box. We Immediately received stories about people taking initiative in their own lives - doing things differently at work or with their families, taking initiative in places they were scared to. Prompted by the number of inspiring stories we received, we launched Tales of the Revolution, profiling examples of passionate self-starters who regularly went above and beyond to make a difference by doing. This free Kindle edition is a sampling of the hundreds of stories we received. Each one could be just the right inspiration for you to keep poking.
=======================================================Blogging Made Simple: Powerful Strategies For Blogging Success! [Kindle Edition]
http://www.amazon.com/Blogging-Made-Simple-Strategies-ebook/dp/B...
Pib/ 4/12/12Blogging Made Simple is a powerful blogging guide. Learn from two of today's best known bloggers who have built high-traffic blogs that support multiple streams of income and a growing list of avid followers. In Blogging Made Simple: Powerful Strategies For Blogging Success, you'll learn the fundamentals of starting your own blog as well as step-by-step instructions on how to develop engaging content, build a growing list of blog followers, effective strategies for monetizing your blog, and little-known strategies for getting your blog ranked #1 on leading search engines. Co-authors Michael H. Fleischner and Justin Fried have been blogging for well over a decade and launched many successful blogs (ex: The Marketing Blog) that reach more than 10,000 followers. If you want to achieve blogging success - creating a popular blog that allows you to position yourself as a leading authority in your niche and drives residual income while you sleep, then don't miss out on this one-of-a-kind blogging resource! In this guide you'll learn powerful blogging secrets including:
--How to start your very own personal or professional blog for FREE
--Strategies for taking a casual blog and turning it into a money-making machine
--How to select a blogging platform that meets your blogging goals: WordPress, Blogger, Tumblr
--Powerful techniques for developing engaging content for your blog on a daily, weekly, and monthly basis
--Outsourcing strategies that allow your blog to run on autopilot even while you sleep
--Optimization secrets that propel your blog to the top of Google, Yahoo!, and Bing
--Proven monetization strategies that provide multiple streams of income
--Promotional techniques that send tons of hungry visitors to your blog again and again
--And much, much more
========================================================WordPress Websites Step-by-Step - The Complete Beginner's Guide to Creating a Website or Blog With WordPress [Kindle Edition]
http://www.amazon.com/WordPress-Websites-Step---Step-ebook/dp/B0...
Pub. 1/4/13Have you ever wanted to create a website but found it too complicated or confusing?
WordPress is the single most popular way to create a website or blog. It's used by Fortune 500 companies, small businesses, authors, photographers, bloggers and non-profits to build a professional websites easily.You can do the same - and you don't need to be a computer expert or web geek.What you'll learn in WordPress Step-by-Step:
How to choose a great domain name and get good value, reliable web hosting
How to install WordPress in a few mouse clicks
How to publish posts and pages with correctly formatted text
How to give your website a professional touch by using images and videos
How to customize your web design without needing to be a programmer
How to extend your site even further with "plugins"
How to use Search Engine Optimization to get found by Google
How to keep your website secure
How to solve the most common WordPress problems
...and lots more.There's also a bonus chapter on getting the first visitors to your site, along with additional video tutorials by the author. Plus, the book is packed with links to additional resources and free design themes and plugins to help you build a website on a budget.Clear explanations and over 55 images of the admin screens and tools mean you can see exactly how to do everything. No more head-scratching or frustration!After reading this book you'll have a unique, professional and easy-to-use website to be proud of - and you'll have created it yourself! Whether you want to build a simple website for your company or organization, make money with a blog or a full online store, this non-geek guide will get you online quickly - saving you time and frustration.
========================================================Asian Recipes - 50 Tasty & Easy Made Unique Exotic Recipes (With Images Of Each Dish And Chef's Note) [Kindle Edition]
http://www.amazon.com/Asian-Recipes-Unique-Exotic-ebook/dp/B0087...
Pub. 5/28/12Asian food is a multi-faceted and diverse as European food. While neighboring countries share some common ingredients and cooking styles, Asian countries have developed cuisines that are uniquely their own. Sampling the food of each is truly an adventure.Each country has its own food history much influenced by its culture, religion and past. Vietnamese food for example, retains the flavors of centuries of French occupation. The food in Philippines has the taste of Spanish and American accents while in Malaysia and Indonesia which are Muslim countries, pork meals are almost completely eliminated off the menu.Many of these recipes were guarded as important family secrets and carefully passed down from one generation to another. Asian cooking has enormous potential in modern times, as Asian food chains are springing up all over the world very rapidly, whilst enjoying immense popularity.In this appetizing book, you will find an inspiration not only for your daily dishes, but for almost every occasion which calls for something savory - Asian style/dish/cuisine. All the recipes included in this book are considered classics, and have proven so popular over the past years. Every single recipe has been tested time and again, both by me and by hundreds of my cooking students.The recipes have been divided by Asian regions. Each chapter contains top recipes which will help you find exactly what you are looking for.They are all authentic and thoroughly tried and tested. By following simple, clear and straightforward instructions, you will find a recipe that will suit your needs and wants to the littlest details. Most of the recipes use basic cooking techniques which can be prepared with only a few pots and utensils.This recipe book will help you cook Asian food with confidence and pleasure that you thought you could not make in your own kitchen. More importantly, it will provide you with all the answers to the problem of ''What shall we have for breakfast, lunch or dinner?'' and you will discover that Asian cooking is so rewarding and fun. So, this book contains The Best Traditional Asian Recipes for you to make and enjoy at home. You will discover that Asian cooking is so rewarding and fun and also there are 50 mouth-watering recipes accompanied with dish images for you to savor from 10 different countries.
========================================================Homemade Ice Cream Recipes - 35 Easy Recipe for Ice Cream [Kindle Edition]
http://www.amazon.com/Homemade-Ice-Cream-Recipes-ebook/dp/B008M9...
Pub. 7/16/12The 35 Easy Ice Cream Recipes contains ice cream recipes to fill your summer days and are the perfect accompaniment to a hot day. Ice cream is always a popular dessert at any time; birthdays, holidays and any special celebration days. Making homemade ice cream is very fun and don't worry if you are new to making ice cream, I have included information needed in order to get you started.
================================================Ultimate Vegetarian Recipes From BeWellBuzz: Delicious And Nutritious Meals That Buzz With Taste And Vitality
http://www.amazon.com/Ultimate-Vegetarian-Recipes-BeWellBuzz-ebo...
Pub. 3/25/13Whats With All Of The Buzz About This New Vegetarian Recipe Collection?If youre a fan of "Forks Over Knives," have devoured The "China Study" or consider yourself a "Happy Herbivore," then you are going to love this new collection of vegetarian recipes from renown health experts Larry and Oksana Oz from the popular "Be Well Buzz" natural health website and community.
Unfortunately, many other vegetarian recipe books are packed with unhealthy foodstuffs that fall short of optimum nutrition says co-author Larry Oz (pictured on the left)...So weve compiled some of our favorite vegetarian dishes and used only whole foods and ingredients proven to promote health heal the body.Whether youre vegetarian, vegan, or lacto-ovo, youll find sensational recipes that youll enjoy alone or with friends, who will wonder how you made such an amazing meal!In addition to a handy ingredient-substitution guide to make any vegetarian recipe healthy, Larry and Oksana show you what foods to avoid at all costs, even if you thought you were eating healthy before.Then youll discover over 40 amazing and delicious vegetarian recipes:
*Appetizers
*Side Dishes
*Stews
*Soups
*Stir Fry
*Veggie Fajitas
*Casseroles
*And Tasty Toppings*EXCLUSIVE KINDLE BONUS INSIDE = Readers will also get a free video training revealing the 6 Blood Tests Your Doctor May Refuse To Give You (And Why) Which May Save Your Life Or Restore Your Health included exclusively inside your Kindle purchase.
=======================================Starcraft: Kerrigan - Hope and Vengeance #0 [Kindle Edition] (dc comics Graphic novel)
http://www.amazon.com/Starcraft-Kerrigan-Hope-Vengeance-ebook/dp...
Pub. 3/6/13No single human being has been more inseparably tied to the twisted destinies of the terran, protoss, and zerg races than Sarah Kerrigan. She has risen from the ranks of soldier and rebel to become the unstoppable Queen of Blades, supreme ruler over a race of bloodthirsty aliens. But now she has fallen from her seat of power and been taken in by those who wish to separate the woman from the monster--a task which may be more difficult than it was to dethrone her.Take a look inside the mind of one of the greatest villains in gaming history and prepare yourself for StarCraft 2: Heart of the Swarm with this explosive new comic from Blizzard Entertainment, Kerrigan: Hope and Vengeance.
=====================================================Bonded (Prequel to The Mating) [Kindle Edition]
http://www.amazon.com/Bonded-Prequel-The-Mating-ebook/dp/B00BT0J...
Pub.
Renos a tough Enforcer for Lycan Link who finds himself drawn to Brandi but duty rules his life. Brandi, just on the edge of starting her career as a Disaster Control officer, falls for Reno at first sight, but are they really meant to be? Is it love or lust and does it really even matter? Enforcers and DCs don't get along...unless fate forces them to. Bonded precedes The Mating.========================================================
The Keeping (Sequel to The Mating) [Kindle Edition]
http://www.amazon.com/The-Keeping-Sequel-Mating-ebook/dp/B00BTID...
Pub. 3/12/13// Ryne Taylor was a sexy bad-ass Alpha set on establishing a new pack. Melody Greene was a journalism student researching his work as a photographeror so she said. But could Mel really be trusted or had she stumbled upon his secret? And if she knew, could Ryne save himself and the pack hed left behind without enacting a deadly ancient law known as The Keeping? Sequel to The Mating.
=========================================================A Cold Day for Murder (Kate Shugak #1 by dana Stabenow)
http://www.amazon.com/Cold-Murder-Kate-Shugak-ebook/dp/B004S87M9...
Pub. 3/15/11Somewhere in the hinterlands of Alaska, among the millions of sprawling acres that comprise The Park, a young National Park Ranger has gone missing. When the detective sent after him also vanishes, the Anchorage DAs department must turn to their reluctant former investigator, Kate Shugak. Shugak knows The Park because shes of The Park, an Aleut who left her home village of Niniltna to pursue education, a career, and the righting of wrongs. Kates search for the missing men will take her from self-imposed exile back to a life shed left behind, and face-to-face with people and problems she'd hoped never to confront again. The first novel in the popular Kate Shugak Series, A Cold Day for Murder established Dana Stabenow as a new voice in Alaskan mystery writing, and earned her an Edgar Award.
=============================================================ARG...I'm having problems formatting this a.m., and the info on this one disappeared - I'll try to hunt it down again, but if you do, that's great too -  You'll see the difference in the mirror by the 2nd week (losing AT LEAST 5 pounds -- if not more -- of fat).All with two (really simple) exercises and without leaving your home (you can even do these exercises during TV commercials, if you choose).

Here are some of the benefits of this "miracle" exercise program:No equipment necessary (they're free!)No long, grueling workouts to fit into your day (again, you can do them during TV commercials if you want)
No tedious jogging, "power walking" or treadmills needed. Can be done at any time you want (whenever is convenient for you!)
Works fast -- see results in the mirror in as little as 2 weeks or less
Burns fat instead of muscle (most "cardio" burns muscle -- which is why long distance runners have a sickly, "stringy" look to them)Scientifically proven to work for all kinds of women, with all kinds of body types and metabolisms
Gives you a flat tummy and a tight, sexy "J-Lo" butt
Go at your own pace (100% safe!)
The benefits of these two exercises are incredible -- they're fast, they're simple and they sculpt your body like no other exercises can, and in a fraction of the time. The exercises are simple, but not necessarily "easy." They only take 5 minutes per day and you don't have to change your diet at all.2 FREE BONUS REPORTS INCLUDED IN THE KINDLE FILE:Natural Detox - 8 Cheap Ways to Detox and Cleanse Your Body
15 Healthy Snacks for Weight Loss
10 Additional FREE Bonus Reports at a Special Link on the Last Page of the
Kindle File:
1.How to Lose Weight Spinning in a Circle like Kids
2.The 20-Second Bathroom Trick for a Super-Charged Metabolism and a Flood of Energy
3.One Tablespoon of this $6 Supplement Detoxes 900 Yards of Toxins from Your Body
4.Do-It-Yourself Face-Lift: How to Look 5 Years Younger in 2 Weeks - Got 5 Minutes a Day?
5.The 50-Cent Miracle Weight Loss Food You're Not Eating
6.#1 Cheap Supplement that Reverses Gray Hair & Infuses Health into Your Body
7.How to Get Rid of Allergies in 90 Seconds with Water
8.The Ultimate 3-Second Fountain of Youth "Neural" Fat Loss Exercise
9.The 15-Second "T-Tap" for Overcoming Hypothyroidism & Sluggish Energy
10. How to Make Healthy Ice Cream in 2 Minutes and Other Sweet Surprises!=======================================================Invisible [Kindle Edition] (YA)
http://www.amazon.com/Invisible-ebook/dp/B00BEQZBYE/ref=sr_1_13?...
Pub. 2/11/13Jazmine Crawford doesnt make decisions. She doesnt make choices. She doesnt make friends. Jazmine Crawford only wants one thing: to be invisible. For Jazmine, its a lot easier to take out her hearing aid and drift along pretending that nothings wrong than it is to admit that shes heartbroken about her dad dying. Shes been drifting and ignoring her over-worried mum for four years now.
When bad girl Shalini and her mates adopt Jazmine, she quickly finds herself involved in more than she can handle. Sitting in disgrace in the principals office, Jazmine is offered a choice: help drama teacher Miss Fraser in the upcoming production of The Secret Garden or face a four week suspension.
Its Miss Fraser who clinches the decision. I believe in you Jazmine, she says. I know you can do this. And Jazmine, terrified, disbelieving and elated all at the same time, joins the play.
For a while its all good. Drama star and chocolate lover Liam is friendly and Jazmine realises that making friends, talking to her mother and feeling her emotions isnt as scary as she thought. In a final happy twist of fate, acting diva Angela quits the play and with only a week to go, Miss Fraser asks Jazmine to take on the main role of Mary.
But then Shalini returns from her suspension. Shes out for payback, and she has just the ammunition she needs to force Jazmine to quit the play and go back to her old ways.
Will Jazmine be confident enough to stand up for herself against Shalini? Will Liam still like her if he finds out who she really is? And does she have the strength to face the truth about her fathers suicide?
===========================================Betrayed: Days of the Rogue [Kindle Edition]
http://www.amazon.com/Betrayed-Days-Rogue-ebook/dp/B00BSX4U04/re...
Pub. 3.11.13His mate killed in a horrific explosion, ex-Enforcer Damien Masterson now lives as a rogue werewolf. Grief stricken and filled with rage, what depths will he sink to in his search for revenge? And who will be caught in the crossfire? Will it be Eve, a Fae just entering the Awakening stage? Or Rafe McRae, part empath and part wolf? Its been said that a rogue Enforcer is too dangerous to be allowed to roam. A suspense driven story of love, betrayal and revenge, this latest addition to the Law of the Lycans series is the sequel to Bonded.
===========================================================
Kindle Books 4/4/13
Added on : Thursday April 04th 2013 06:00:39 AM
A mix of new & old & genres. Only guaranteed FREE at time of posting. Hopefully more later, heading for work now!The Thirteenth Unicorn (The Ben Alderman Series) [Kindle Edition]
http://www.amazon.com/Thirteenth-Unicorn-Alderman-Series-ebook/d...
Pub. 1/8/11While spending the summer with their grandparents on a remote farm in South Carolina, Ben Alderman and his sister Casey uncover a hidden world of magic; a world their grandmother is secretly visiting. It is a world where elves and dwarves are locked in mortal combat against a witch who is trying to free the last surviving wizard from exile. The witch has been defeated once before but with the combined power of the wizard, no one will be able to stand against them. Much to Ben's dismay, he learns that he is the one foretold in the ancient elfin prophecies to bring about the downfall of the witch and save this exciting new world from destruction.
==============================Trail of Bones: A Young Adult Fantasy Novel (An Epic Fantasy Adventure For Any Family) [Kindle Edition]
http://www.amazon.com/Trail-Bones-Fantasy-Adventure-ebook/dp/B00...
Pub. e/q/qeReady for a new adventure? Are you a fan of fantasy, young adult, science fiction and action stories?No mercy, No rules - Welcome to the Trail of Bones!Run with Purpose battle cry of the Shade Wolves Magnus, the runt of a litter of Shade Wolves, wants nothing more than to be a loyal, strong member of the pack. But when an ancient enemy threatens his friends and family, he faces a choice that could tear him from all he's known and loved.Born in captivity, the giant panther Kelor knows nothing but suffering and loss. He struggles to find his place in this world of terror, and he battles to protect his family without succumbing to the darkness lurking inside him.Falling captive to the evil Warden, the two are forced to fight in the battle of the beasts known as 'The Trail of Bones'. How will Kelor and Magnus learn to work together? How will they escape a fate of despair and death? How will their choices affect their comrades? Their enemies? And the forgotten magic that could doom all life of their world?Let the adventures begin! A fun, exciting, clean read for teens, young adults, adults and readers of all ages. Pick up your copy of this fantasy adventure today!
====================================================The Last Objective [Kindle Edition] by Bruce E. Prendergast
http://www.amazon.com/The-Last-Objective-ebook/dp/B00C2YUDIG/ref...
Pub. 3/27/13There's a mole within a United States Air Force Research Laboratory. Aldridge Ames never failed a lie-detector test, why should I? It's three weeks since the power grid failed. Unable to communicate with his military leaders except by telephone, with phone systems failing as battery backups expire, President Wiskin calls upon a team with Jason Bourne's skills and MacGyver's ingenuity: Jimmy Bancroft and Tom Dillon. Their mission: deliver the President's nuclear football to Minot Air Force Base, North Dakota and retaliate against the Chinese. Their journey isn't without peril. They fight off marauding motorcycle gangs preying on refugees, in an apocalypse world where rogue CIA agents set the rules of engagement.
==========================================================Impact Player: Leaving a Lasting Legacy On and Off the Field [Kindle Edition] Bobby Richardson (Author), Joe Girardi (Foreword, Contributor), David Thomas (Contributor)
http://www.amazon.com/Impact-Player-Leaving-Lasting-ebook/dp/B00...
Pub 8/17/12
Former Yankee Bobby Richardson played alongside Mickey Mantle, Roger Maris, Whitey Ford, Joe Pepitone, and Yogi Berra during one of the most prolific dynasties in baseball history, and he remains to this day the only player from the losing team ever to be named World Series MVP.In Impact Player, Bobby shares his life story, including never-before-told tales from the Yankee clubhouse during the historic 55-65 pennant runs and World Series appearances. The book also features the unlikely friendship Richardson, a devout and outspoken Christian, shared with Yankee legend and renowned drinker and womanizer, Mickey Mantle.The perfect combination of faith and baseball, Impact Player offers a rare glimpse into one of the most celebrated dynasties in the history of the game, and it paints a fascinating portrait of a life well-lived and the lasting rewards that come from knowing and loving God.
========================================================Up From Slavery: An Autobiography [Kindle Edition] by Booker T. Washington
http://www.amazon.com/Up-From-Slavery-Autobiography-ebook/dp/B00...
Pub. 10/2/12Booker T. Washington (1856 - 1915) was born a slave but would later become one of the most influential black men in United States history. Washington advocated peaceful protest and believed violence would hurt the chance for African-Americans to secure civil rights. W.E.B. Du Bois, another famous writer and civil rights activist in the early 20th century, believed in stronger protests. Though both men went about things different ways they both are still well read today and recognized for helping African-Americans get civil rights.This version of Up From Slavery: An Autobiography includes a table of contents.
======================================================Caveman Farts: The Story of the First Stinky Fart (The Disgusting Adventures of Milo Snotrocket) [Kindle Edition] (children)
http://www.amazon.com/Caveman-Farts-Disgusting-Adventures-ebook/...
Pub. 2/26/13FREE Audiobook Inside!That's right...For a limited time you can download a FREE bonus MP3 audiobook version of J.B. O'Neil's brand new "Caveman Farts - The Story of the First Stinky Farts" with your purchase of this Kindle ebook. You and your kids will laugh out loud as you listen to this fart-tastic audiobook (over 20 minutes long...complete with disgusting sound effects!). That's twice the farting fun -- Grab this book and get this bonus audiobook FREE while it's still available !From #1 Bestselling Author J.B. O'Neil!Ready to laugh your butt off? Milo Snotrocket is back and stinkier than ever in this hilarious new episode to the #1 Best-Selling "Fart Book" series.Here's what readers are already saying about the side-splitting, bottom-burping Fart Books:"I haven't heard my daughter laughing and giggling that much since she stared school. Thank you J.B O'Neill - I will definitely get all your books to keep my child laughing." ~ Lisa D.
==================================================No Way Out - And Other Scary Short Stories [Kindle Edition] (children/teens)
http://www.amazon.com/No-Way-Out-Stories-ebook/dp/B00513D9HW/ref...
Pub. 5/15/11Includes two free additional short stories.
That's three 'terrorific' short stories for kids and teens at one low price.No Way out - Mike takes a bet to go inside a haunted house, but will he live long enough to collect?Also includes:
The Price of Friendship - How much is a best friend worth? Joey finds out the hard way.Hobgoblin Horror - Jake only volunteered at the retirement home because Shelby works there. So, it's no wonder he's doesn't hear Mr. Fitches' warnings about a local homicidal hobgoblin--too bad for him.
Includes a free extended preview of Super Zombie Juice Mega BombPraise for the Author:
"...master of mid-grade horror, M.J.A. Ware's tales are told in a pleasantly chatty first-person style, the voice convincingly that of a young teen put-upon by sisters, brothers, parents, friends and the rest of the world... until the rest of the world jumps in with scares aplenty." --Sheila Deeth, Author, blogger, and reviewer.================================================Success Takedowns: How to profit from your ideas the right way [Kindle Edition]
http://www.amazon.com/Success-Takedowns-profit-ideas-ebook/dp/B0...
Pub. 3/2/13Success Takedowns is a book that aims to help you take down and tackle every bit of hurdle towards online success. Straight from the beginning to the end, this book will tell you the correct steps so you wouldn't be taken down by anyone anymore. From personal experience, this book is written by an author with more than 10 years of experience with online marketing, seo, programming, web-developing and advertising.
==================================Lunch in a Flash (Fast Food From Home) [Kindle Edition]
http://www.amazon.com/Lunch-Flash-Fast-Food-ebook/dp/B007GGKPSS/...
Pub. 3/2/12Buying lunch gets expensive. Taking or making lunch can get boring and repetitious.until now.Lunch in a Flash costs less and tastes better than buying your lunch every day. And with all the different ways to quickly make your lunch, you can look forward to new ways to enjoy your lunch breakat home or at work.A variety of preparation times are available for quickly making your lunch for today or making lunches ahead of time to quickly have it available on another day.This isnt a free lunch, but it may feel like it when you enjoy what youve made!
==============================================An Innocent Client (Joe Dillard Series No. 1) [Kindle Edition] by Joe Pratt
http://www.amazon.com/Innocent-Client-Dillard-Series-ebook/dp/B0...
Pub. 10/22/12A preacher is found brutally murdered in a Tennessee motel room. A beautiful, mysterious young girl is accused. In this Mystery Readers International finalist for "Best Debut Mystery," criminal defense lawyer Joe Dillard has become jaded over the years as he's tried to balance his career against his conscience. Savvy but cynical, Dillard wants to quit doing criminal defense, but he can't resist the chance to represent someone who might actually be innocent. His drug-addicted sister has just been released from prison and his mother is succumbing to Alzheimer's, but Dillard's commitment to the case never wavers despite the personal troubles and professional demands that threaten to destroy him. "Pratt's richly developed characters are vivid and believable, especially the strong Southern women who fight their male-dominated culture from behind a facade of vulnerability in this brilliantly executed debut." -- Publisher's Weekly "Its Scott Turow and Grisham... The opening chapter is maybe the most compelling Ive read in a decade. Ken Bruen Smart and sophisticated, with a plot twist that will leave you shaking your head in wonder, "An Innocent Client" -- the first in the acclaimed Joe Dillard series -- will also leave you begging for more.========================================================
How To Stop Procrastinating And Live The Life You Choose (Workbook Included) (The Human Rhythm Formula) [Kindle Edition]
http://www.amazon.com/Procrastinating-Workbook-Included-Formula-...
Pub. 3/1//13***INCLUDING WORKBOOK ****** ALSO A GREAT TOOL FOR COACHES...
When given this book, my clients achieved breakthroughs in half the time.Discover your personal rhythm and lead the life you choose - WITHOUT PROCRASTINATING.
- Learn a quick fix for procrastinating you can apply in just 0.5 SECOND
- Be FREE of PROCRASTINATION, fear, anger, failure, inaction, anxiety, & self-criticism
- Increase your self confidence and personal effectiveness exponentially!
- Know how to apply the secret HUMAN RHYTHM FORMULA: Re = P/E
In PART 1, each of six self sabotaging dance steps is illustrated with rhythmic descriptions, symptoms, real life examples. Why six? because we all use at least three of them!
Contents:
Introduction - What's in it for you
- Your expected outcomes include...
PROCRASTINATION and the other 5 Sinister Steps of Self-Sabotage
- The Facts Up Front
- 1. Lingering limbo - dance of Procrastination
- 2. Worrying Waltz - dance of Anxiety
- 3. Critical Cha Cha - dance of Self-Criticism
- 4. Soft Shoe Shuffle - dance of Avoidance
- 5. Punishing Paso Doble - dance of Aggression
- 6. Toxic Tango - dance of Frustration
- 7. Positive Polka - dance of Productivity This is the starting point for you to take real, life-evolving action, transform the way you think and act, and STOP PROCRASTINATING NOW.Included in PART 2 are action boxes and worksheets for you to progressively identify and record your own unique experiences and insights as you move towards OVERCOMING YOUR PROCRASTINATION.
Contents:
YOUR Human Rhythms
- We all dance to the same tune, but differently
- Your centre of Gravity
- The Need For Internal Rhythm
- Finding Your Own Core Rhythms
- A Sack of Dirt and Water That Can Think
- An Exercise in Applying Your Core Rhythms
- The Human Rhythm Model
- Bringing It All Together - You Have Choice
- The Secret Formula to Beat Self- Sabotage
- Key review Points - Beating Self-Sabotage
- Your New D-A-N-C-E: the RHYTHMIC RUMBA
Question about trying to find a lease to start a restaurant
Added on : Wednesday April 03rd 2013 03:01:15 PM
So my wife and I have been researching and writing a business plan for a restaurant. A family member has owned a restaurant for ~10years, so we are trying to follow those recipes but have some more structure and planning built in so that we can hopefully expand this one once it gets going.It's a Mexican restaurant and we found a spot that we like where another Mexican restaurant has been closed down for some time. It's been over a year and the landlord has a for rent sign on the building but when we first called a year ago to get more information, we were told it was already under contract to someone else. In that time there's been a lot of new development including some med offices with more on the way.After another 6 months, we called again and she asked what type of restaurant we wanted to put in. When we told her a Mexican restaurant, landlord said it was already rented to someone else.We like the spot, I'm wondering if she either didn't like another Mexican restaurant going in there, or maybe wants something with a higher probability of success like a franchise. I can't see how she would want to have an empty spot for over a year or that someone would be paying for that empty spot. Then I thought maybe the previous tenant could have shut its doors but still be liable under contract, so the landlord doesn't really care if its empty since legally they can still be receiving the remainder of the contracted rent.Anyone experience something similar or know why a Mexican restaurant would be frowned upon?
Kindle Books 4/3/13
Added on : Wednesday April 03rd 2013 06:01:43 AM
Only guaranteed FREE at time of posting. a mix of new and old and a variety of genres - hope you'll find something you'll enjoy.Married By Midnight (Pembroke Palace Series, Book Four) [Kindle Edition] by Julianne MacLean (Romance)
http://www.amazon.com/Married-Midnight-Pembroke-Palace-ebook/dp/...
Pub. 7/15/12From USA Today bestselling author Julianne MacLean comes a passionate and emotional tale of a most unexpected loveMARRIED BY MIDNIGHT: A Pembroke Palace Novel of approximately 220 print pagesAN UNATTAINABLE ROGUE
For seven years, Lord Garrett Sinclair-- the ruggedly handsome illegitimate son of the Duke of Pembroke--has been traveling abroad with no intention of ever returning home to Pembroke Palace until his father commands that he must marry by Christmas in order to thwart a family curse or lose his inheritance forever. Haunted by a tragic accident that has hardened his soul, Garrett entrusts his brothers to seek out a bride who will agree to a marriage in name only. Her reward? A sizable share of his inheritance--payable immediately after the wedding night.
A BEAUTIFUL TEMPTRESS
Lady Anne Douglas has been ruined by scandal and disowned by her father. Facing a life of poverty and spinsterhood, she leaps at the generous terms of the marriage contract to ensure her independence. But the charade of a two-week engagement proves more of a challenge than either anticipated when they cannot resist the intoxicating lure of the marriage bed. Anne knows they will part ways after the wedding. Will she dare risk her heart for two weeks of pleasure in the arms of an irresistible rogue? Or will her surrender become her undoing after a most unexpected turn of events mere hours before the wedding? Full length novels in the Pembroke Palace Series:
Book One - IN MY WILDEST FANTASIES
Book Two - THE MISTRESS DIARIES
Book Three - WHEN A STRANGER LOVES ME
Book Four - MARRIED BY MIDNIGHT
Book Five - A KISS BEFORE THE WEDDING (Short Story)
Book Six - SEDUCED AT SUNSET
===========================================5 Ingredients 15 Minutes Prep Time Slow Cooker Cookbook: Quick & Easy Set It & Forget It Recipes [Kindle Edition]
http://www.amazon.com/Ingredients-Minutes-Cooker-Cookbook-ebook/...
Pub. 12/28/12
This cookbook was written for you: The busy professional who's moving at the speed of light, craves a comforting home-cooked meal, and doesn't want to spend his or her life in the kitchen. Each of these 40 recipes requires 15 minutes or less of prep time and absolutely no acrobatics. If you can chop an onion and twist a can opener, you can make these dishes. The recipes include nutrition data, and most include serving tips.In this cookbook, you will discover 40 recipes for delicious home-cooked meals that only require 5 ingredients (plus a few Staples such as salt, pepper, water, cooking spray, etc...), 15 minutes (or less) of prep time and 1 turn of a switch. Your slow cooker takes quick and easy meals to a whole new level.At the end of the day, what you want to do is put your feet up and rest. But what you need to do is get dinner on the table. Now you can do both!With 5 ingredients 15 Minutes of Prep Time Slow Cooker Cookbook: Quick & Easy Set It & Forget It Recipes, just toss in a few ingredients into your slow cooker in the morning before going to work, and a delicious, hot dinner will be ready for you when you get home.Thousands of busy home cooks rely on Maria Holmes' recipes because they are family friendly, are simple to put together, and taste terrific. Now there's a new cookbook in the Maria Holmes' collection that makes your life even easier!Imagine coming home to an elegant Roast Beef with Mixed Fruit and Chipotle Sauce or Chicken a la King. What about sitting at the dinner table after a long day at work and enjoying a melt in your mouth serving of Potatoes au Gratin.With 40 recipes to choose from, you will have many quick and delicious meal ideas. Most take less than 15 minutes to prepare because all you have to do is pull 5 ingredients out of your pantry, fridge or freezer.So get ready to discover all the tasty simmered-in flavors of slow cooking.Enjoy and be well!
=========================================35 Easy Weeknight Dinners - Simple and Easy Chicken Recipes For Weeknights (Quick and Easy Dinner Recipes - The Easy Weeknight Dinners Collection) [Kindle Edition]
http://www.amazon.com/Easy-Weeknight-Dinners-Weeknights-ebook/dp...
Pub. 10/31/12Are you looking for Recipes For Chicken? If you are looking for quick and easy recipes to prepare on weeknights, you have found the right cookbook! This cookbook has 35 different good recipes for dinner and it all focuses on chicken. So if you love chicken and do not have a ton of time to spend cooking every evening, you should check out this book and the easy recipes inside.As this is all about chicken recipes this book has a variety to choose from. Find traditional chicken meals as well as more exotic ones as well as chicken sandwiches, wraps, salads, soups and more!The type of family meals you will find inside 35 Easy Weeknight Dinners Simple and Easy Chicken Recipes For Weeknights includes all types of fabulous chicken meals that are quick and easy dinner recipes! We hope you enjoy them all! What Type of Quick Easy Dinner Recipes Will You Find In This Book? There are a total of 35 different but quick and easy meals inside this book. Of course you could just consider them fall dinner recipes, but really they would make great dinners, lunches or brunches all year round!Some Examples of the easy family dinners include:
Chicken Marsala
Chicken Pesto Sandwiches
Rum Chicken
Lime Avocado Chicken
Chicken, Plum, and Chickpea Salad
Chicken and Curry Soup
Chicken and Black Bean Wrap
Lemon Olive Chicken
Chicken and White Bean Chili
Chicken Tortilla Soup
Rosemary Chicken Breasts
Creamy Chicken and Broccoli
Chicken Pumpkin Soup
& Many More.
==============================================Portable Pies [Kindle Edition]
http://www.amazon.com/Portable-Pies-ebook/dp/B00B8V0PPU/ref=sr_1...
Pub. 1/30/13Bakers in the American south have been making homemade fried pies for their families for generations. Generations of people have grown up with the knowledge of how to make homemade fried pies. There are countless types of mini-pies that can be fried -- fried chocolate pies, fried apple pies, fried apricot pies, fried peach pies, fried cherry pies and nearly every other kind of dessert deep fried pies. This book lists as many deep fried pie recipes as we could gather from many sources. Our grandmother's memory is strongly invested in every one. Our book covers the various types of fried pie dough recipes, both how to make fried pie dough and how to buy premade dough for fried pies at the store to how to convert pecan pie into a fried pie recipe. This is definitely not a health food book, but it does condense the many happy memories of childhood for many people over countless years. There's simply nothing in the world that tastes better than deep fried pies. The recipes include:
Modern Traditional Fried Apple Pies
Savannah Sunny Fried Peach Pies
Big Easy Apple Raisin Fried Pies
Easy Biscuit Apricot Pies
Boysenberry Fried Pies
Old-Fashioned Hot Kitchen Blueberry Fried Pies
Quickie Crisp Pies
Fried Dried Apple Biscuit Hand Pies
Nanny's Dried and Fried Fruit Pies
Chocolate Fried Pies
Fried Cream Pies
Fried Cherry Nut Pies
and more!
=============================================Freezer Meals: Delicious and Easy Make-Ahead Meals [Kindle Edition]
http://www.amazon.com/Freezer-Meals-Delicious-Make-Ahead-ebook/d...
Pub. 1/21/13Tired of spending long days in the kitchen?Freezer meals allow you to cook once and have multiple meals ready to go at a moment's notice. If you've ever spent an hour cooking dinner after work and thought there has to be an easier way, make-ahead meals are the answer to your prayers. This book gives you a rundown of what freezer meals are and what foods can and can't be frozen successfully. Whether you want to cook a month's worth of meals in advance or you're just looking to make extra food to store away in the freezer, this book will help you on your way. Buy Freezer Meals: Quick and Easy Make-Ahead Meals today and start enjoying all the free time you'll have during the week.
===========================================Desserts in a Flash (Fast Food From Home) [Kindle Edition]
http://www.amazon.com/Desserts-Flash-Fast-Food-ebook/dp/B007K09P...
Pub. 3/12/12Sometimes a meal just isnt complete without a dessert. And sometimes a craving for dessert can happen in the middle of preparing the main meal.Sometimes to complete a meal, or satisfy a craving, you need a dessert that can be ready quickly. Most of the recipes in this book are designed to fill that need. All are designed to be assembled quickly, but some may be chilled or frozen to be served later.Satisfy your sweet tooth and stay on your time schedule. How sweet it is!
===============================================Blood Sugar Diet Recipes: For Losing Weight and Preventing Diabetes (How to actually use diets) [Kindle Edition]
http://www.amazon.com/Blood-Sugar-Diet-Recipes-ebook/dp/B00C0I5Q...
Pub. 3/23/13
We Recommend this for Blood Sugar Solution Dieters
On Sale for a Limited Time!
All the best recipes for the Blood Sugar Diets in one place
The Blood Sugar Diet programs have taken the health and fitness industry by storm and if you don't act fast you'll miss out on the results. The Blood Sugar Diet programs are based around balancing your insulin levels and gives you a six week program to achieve great health, weight loss and prevention of diabetes. It's knowing what to eat that's the hard part, but we've made it easy by giving you plenty of recipes that you can choose from. Our Recipes are sorted into "Breakfast, Lunch, Dinner and Dessert" and we include the calorie count, so you can limit your calorie intake if you wish to. Our recipes are so tasty and creative that you'll never get bored of them....even if they are healthy!
Some of the recipes included:
Delicious low sugar Fruit bread | 105 Calories
Spicy Chicken | 185 Calories
Beef in Gravy | 309 Calories
Baked coconut fish | 195 Calories
Strawberry Crumble | 176 Calories
and many many more!
Eat your way to the body of your dreams in no time with our easy recipes that will have you eating great foods every day
=====================================Ever Shade (A Dark Faerie Tale #1) [Kindle Edition]
http://www.amazon.com/Ever-Shade-Dark-Faerie-ebook/dp/B009WVIDPW...
Pub. 10/24/12Ever Shade ~ a dark twist on faeries. For Shade, a chance meeting with a powerful Teleen Faery warrior who wields electrical currents and blue fires along his skin, has her joining him on a treacherous mission for the good Seelie Faerie Court across the land of Faerie. Magic and malice abound and nothing is what it really seems to be.The evil Unseelie Queen and her treacherous allies are around every corner as Shade makes her way across the breathtaking landscapes of the world of Faerie, which exists alongside the mundane human world. Shade discovers her own uncharted magic and meets some of the most powerful warriors in Faerie while battling evil dryads, conniving Teleen guards and challenges on her life with every step in a world where nothing can be taken for granted.
======================================Squidge: Little Elf, Big Trouble [Kindle Edition]
http://www.amazon.com/Squidge-Little-Elf-Trouble-ebook/dp/B004CR...
Pub. 11/17/12Who ever heard of an elf saving Christmas?Squidge is a little elf who wants to do what the bigger elves do. When he takes matters into his own hands and causes a disaster in Santa's workshop, Squidge runs away... and ends up going further than he would ever have dreamt. Can such a little elf save Santa and Christmas?
================================================The Tales of Big and Little: Doom of the Three Stones (Tell Me A Story Bedtime Stories for Kids) [Kindle Edition]
http://www.amazon.com/The-Tales-Big-Little-ebook/dp/B005G4Q9XM/r...
Pub. 8/4/11For Ages 6 to Adult. No illustrations or frills, just pure, awesome story! Your kids will love you for it!About The Tales of Big and Little - Part One: Doom of the Three Stones...
Big and Little are two dogs who love cheese. They would never have imagined
that this love would take them to another world, to do battle with the
ferocious feline, Shirlee, and his army of animated Pizza Crusts! Follow
Big and Little as they try to foil Shirlee's plans to take over the
worlds!
====================================================Black Hole Cafe #1 [Kindle Edition] (graphic novel)
http://www.amazon.com/Black-Hole-Cafe-1-ebook/dp/B00BJOJR7S/ref=...
Pub. 2/20/13Black Hole Cafe centers around Simon, an ex-assassin with the ability to shift between alternate realties. After receiving a vision of the multiverse collapsing in on itself, Simon travels to the Black Hole Cafe. He hopes to solicit the help of his closest friend Ethan, a man who has the magical ability to turn into a rabbit warrior named Kole. Together they set out to find the source of the vision, and stop the impending apocalypse.
=============================================================The BIG book of Paper Beads [Kindle Edition]
http://www.amazon.com/The-book-Paper-Beads-ebook/dp/B008ADKFJK/r...
Pub. 6/9/12This 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
====================================================How To Compost: Everything You Need To Know To Start Composting, And Nothing You Don't! [Kindle Edition]
http://www.amazon.com/How-Compost-Everything-Composting-ebook/dp...
Pub. 6/14/12
Lars Hundley cuts through the vast amount of information on composting in this quick and to-the-point guide, to give you the essential information you need to start composting now. This guide is for those new to composting and the following topics are covered:
* Types of compost bins and the pros and cons of each (as well as "no bin" options)
* Composting accessories and which are essential (answer: none!)
* What to put in your compost bin -- and what to avoid (sorry, dog poop is out)
* An easy way to balance carbon- and nitrogen-rich materials (no math involved!)
* Compost troubleshooting -- common problems and how to solve them (from sulfur to slime - it's covered)Whether you just want a pile in the backyard, or the latest in compost tumbler technology, this guide will get you off to a great start.
========================================================Declutter: The Busy Person's Guide to Decluttering Your Home and Your Life [Kindle Edition]
http://www.amazon.com/Declutter-Persons-Guide-Decluttering-ebook...
Pub. 3/23/13Decluttering is not just about having a clean house, although that can play a big part in it.
Do you want more time, energy and money to do what you want?
Are you constantly weighed down by all the excess junk in your life?
Are you tired of wasting time and energy dealing with things you don't even want in the first place?Are you looking for the kind of home where:
You're not always apologizing for the mess?
You actually look forward to inviting people over?
Distant friends and family can visit...and stay...because they can actually get into the spare room?
There is actually room in the garage for your cars?Decluttering is about how you feel in the space after you have it set up so that it is working for you.I know you're busy. I know that you think it will take you ages to get into this space. That's why I show you simple, quick and easy ways to declutter your home and your life.
I take you through each room in your house, step-by-step, and hold your hand.
In 15 minutes a day you will regain control of your life!
By the time you reach the end of this book, you will have worked through your whole house (including all your computers and mobile devices.)
You will also be well on your way to decluttering your mind.Decluttering is about you. Its about how you
feel
think
act.Its about how you do each of those things in your physical, mental and emotional states.The sooner you start decluttering, the sooner you can start enjoying the benefits:
Time to spend with your family and friends.
Energy to do the things you want to do with your life
Youll even have more money, because you won't keep buying things that you already have, and you may even have made some money by getting rid of things you no longer use.You'll be a new person and you'll like the new you!
------------------------------------------------Seed Saving for the Organic Gardener (Organic Gardening Guides) [Kindle Edition]
http://www.amazon.com/Saving-Organic-Gardener-Gardening-ebook/dp...
Pub. 1/23/13For the aspiring organic gardener, there's nothing more rewarding than growing organic crops from seeds you've harvested yourself. This book gives you the information you need to get started harvesting and planting your own seeds.The following topics are covered:
- Why saving seeds is preferable to buying seeds.
- The key difference between hybrid and open-pollinated seeds.
- Why you need to avoid GMO seeds at all costs.
- How to control cross-pollination of your plants.
- Bagging, isolating and boxing your plants.
- Growing healthy seeds.
- How to harvest seeds from a number of popular plants including artichokes, asparagus, broccoli, carrots, flowers, corn, strawberries, cucumbers, melons and more.
- Why you should avoid harvesting tree seeds (there's a much better way to grow trees).
- What heirloom seeds are and why they're important.
- Special handling of plants you plan on harvesting heirloom seeds from.
- The difference between organic and heirloom seeds.
- How to start your seeds once planting season rolls around.
- Sowing seeds in your garden.
===================================================Energy Vampires: How to Deal With Negative People [Kindle Edition]
http://www.amazon.com/Energy-Vampires-Negative-People-ebook/dp/B...
Pub 8/5/12One of the best "Vampire Books" you will ever read!
Especially if you are surrounded by negative thinking or negative people...
After being around certain people do you ever find youself feeling:
Emotionally exhausted
Drained
Tired or wanting to take a nap?
If so, then this is a good book for you!
Who exactly do energy vampires and negative people affect? Simple ... Everybody! So what is an energy vampire? You've probably heard the term "energy vampires" before, especially if you're at all interested in psychic ability or psychic development. But what exactly are energy vampires? They're not real vampires. Well, I guess they're real vampires, but not like the ones you see in Twilight ... "Energy vampires" feed upon your energy. In other words, their primary target is your spiritual body, not your physical body. "Energy vampires" are people who constantly draw upon other people's energy in order to help "recharge" their own system. So what do energy vampires and negative people have in common? They essentially do the same thing. They draw upon your energy, and they will have a very profound effect on your system, both spiritually and physically. Many times, they will wear you down to the point of exhaustion. However, unless you're aware of what is happening, you may not even notice the effects these people are having in your life, on a day-to-day basis. Empaths, this is the book for you!Empaths and sensitives are very susceptible to "energy vampires" more so than most other people. More and more people are discovering they are empaths in this new consciousness area. You may even be one and never knew it, until now. How do you find out if you are an empath? By reading this book!In The Book Find Out:How to spot an "energy vampire"
How to protect yourself against negativity
What to do if you if you are surrounded by negative people
How to tell if you are an empath!
How to protect yourself if you are an empath
What effects "energy vampires" have on your spiritual and physical health
How to live in a world filled with "energy vampires"
And the very important...energy vampire first aid!
Shiny red, black and beige leather exude luxury and bright personality, ideal for the uptown woman who wants to make a statement. A goldtone buckle and covered stiletto heel perfect the design. 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.
I am in deep trouble. Probable divorce and foreclosure
Added on : Sunday March 31st 2013 12:01:31 PM
I am going to try to keep this brief. We live in a house with a FHA mortgage, that is probably not going to sell. We have an erosion problem in the backyard because there is a creek/ditch behind the house. There have been a couple of other houses along this ditch that have been on the market for quite a while and haven't sold. Consequently, we are looking at another house to move into soon. Unless some miracle happens, we will be getting divorced. I don't know what to do here about this house situation. Here are my thoughts1. Wife wants out of this house VERY badly (as do I but not quite as badly). I could file for divorce and she would move out with the kids and probably not want any 'equity' from it. She would just want her name off the deed and mortgage. I could stay in the house a couple more years (I think) before the erosion got too bad. This 'lets her off the hook' and I am stuck with a house that I probably can't sell.2. We actually move into a new house without selling the old one (credit still being very good). Both our names on it and then I file for divorce. Not sure who would leave the new house or how that split would be.3. We move into a new house with only one of our names on it and then I file for divorce. Presumable whoever was on the mortgage would get the new house.
I guess two main issues are at play here. One being able to get new houses for both of us before possibly letting the old house go back to the bank. Two not wanting to let her out of the old house in case I need to use it for some kind of leverage with her. I don't anticipate a nasty divorce from her because in a lot of ways she is just as sick of me as I am of her and just wants to get out fast, but you never know. We both have very good credit probably around 800. Kids are 14 and 10 and this is in TN. I guess the one good thing about the house is that we aren't upside down in it. ANY and all advice is welcomed. I am really stumped as to what to do. I have been toiling over this for quite sometime.
Ticketed for "forged" inspection sticker on vehicle.
Added on : Friday March 29th 2013 07:01:35 PM
Well my brother got himself pulled over yesterday. His front license plate was missing due to it being ripped off by a hit and run drunk driver, but that's another story. The cop was cool with that but then noticed his inspection sticker didn't look right. He ran the number and it belonged to a different vehicle. My brother disavowed knowledge but was given 2 tickets for no inspection and forged instrument. The cop scraped off the sticker and let him go. He has to go to court in a few weeks for the forged instrument charge. He did a stupid thing by getting a sticker from a mechanic friend that came off a wrecked vehicle. His car wouldn't pass inspection and he couldn't afford to get it fixed, so that's what he did. Should he just take his lumps or fight it? He in no way wants his friend to get any heat for this or possibly lose his job. This is in NY.
https://www.tanga.com/deals/ee707fee98/woman-s-day-magazine-subs...$4.99 w/ Coupon Code: TODAYSWOMAN or FATWALLET.Womans Day magazine wants every woman to live well every day. As one of the largest womens food and lifestyle circulations for over 70 years, reaching more than six million homes every month, this magazine is a must-read for women of all ages. Every issue includes articles on style, health, eating well, and solutions to every-day problems.Womans Day covers every topic that is important to women today. This lifestyle magazine is great for meal ideas, and even offers a months menu in every issue so you never have to think about what youre going to eat next; the recipes are easy, quick, and delicious. Womans Day also has articles on lifes invaluables, such as relationships, family, and self-worth.This magazine has 12 issues per subscription and you can buy up to 2 years.Please allow 8-10 weeks for your first issue to arrive.
Kindle Books 3/29/13
Added on : Friday March 29th 2013 07:00:37 AM
As always, only guaranteed free at time of posting.The Rules of Life, Expanded Edition: A Personal Code for Living a Better, Happier, More Successful Life (Richard Templar's Rules) [Kindle Edition] 4 star - 74 reviews
http://www.amazon.com/Rules-Life-Expanded-Edition-ebook/dp/B0047...
Pub. 11/11/10The first edition of The Rules of Life: A Personal Code for Living a Better, Happier, More Successful Life became a global phenomenon, topping bestseller charts around the world. This revised edition includes nine new rules to take you further, faster. Author Richard Templar brings together 106 practical rules that happy, successful people follow, even if they've never thought about it. These are realistic, commonsense things you can do differently, starting today... small things that make a powerful difference. Templar offers real wisdom on:Deciding what's important and what isn't
Focusing on changes you really can make
Using your intuition
Learning positive lessons from your regrets
Having great dreams and making practical plans
Staying young
Forgiving without becoming a pushover Follow The Rules of Life. You'll feel better. You'll be a better friend, partner, and parent. And you'll leave the world a better place
=============================Cavelady Cooking: 50 Fun Recipes for Paleo, Low-Carb and Gluten-Free Diets [Kindle Edition] 3.5 stars - 19 reviews
http://www.amazon.com/Cavelady-Cooking-Low-Carb-Gluten-Free-eboo...Whether you're new to a paleo or gluten-free lifestyle, or just looking for some new ideas, this book has you covered: breakfast, lunch, dinner and snacks. If you're seeking for new recipes that are free of grains and gluten - this is the perfect book for you. If youre familiar with Hilah Cooking, you know I dont focus my show recipes on any particular diet I just like to keep things simple, good, and pretty much Texas by default but my cookbooks can be something else. I know this one wont automatically appeal to everyone who watches the show and uses my recipes, but I think it will appeal to anyone whos following the gluten-free, low-carb, or Paleo diets, as well as anyone who just wants some new ways to cook vegetables and meat!Cavelady Cooking covers breakfast, lunch, dinner, sides, snacks and desserts.Some breakfast highlights are: Crabcakes Benedict; Potato-free hash; Counterfeit Lara bars; plus several more recipes, not even including 6 funky smoothies!For lunch, I got real. Real life. So were talking lots of make-ahead soups and salads and re-purposing leftovers into deliciousness! Plus some pretty brilliant ideas on making sushi rolls sans rice and tuna salad sans mayonnaise.The chapter on dinner is ten brand-new recipes including easy homemade Italian sausage (so you can avoid added sugar and preservatives), Cuban chicken, Indian kofta, and pesto-olive roasted chicken. Each main dish recipe offers serving suggestions from the side dishes chapter, which is my personal favorite of all the chapters!These side dishes are anything but pedestrian. Simple but unusual ways to prepare familiar vegetables like chard, cabbage, spinach, and okra will brighten up your plate and then your face! I even included a recipe for mushroom-stuffed acorn squash that could double as a vegetarian main-dish, should you ever need one.I also offer a quick chapter on snacks and desserts. From no-cooking-snacks to baba ganoush, I got your snacking needs covered. For dessert, how about some plantain fritters or a peach crumble!All of the recipes offer shortcuts and substitutions when possible to keep it as easy as possible on you, the cook!=========================================Extraordinary Popular Delusions and the Madness of Crowds [Kindle Edition] 4 stars - 95 reviews
http://www.amazon.com/Extraordinary-Popular-Delusions-Madness-eb...
Pub. 4/8/10The frequently quoted classic exposition of the madness and folly of "popular opinion". Extensive discussion about history's most infamous speculative investment bubbles - the Tulipmania, the South Sea Bubble, and more. Additional coverage and debunking of delusions including alchemy, witch-hunts, The Crusades and duels. Present day writers on economics, such as Andrew Tobias, laud the chapters on economic bubbles.
============================================49 Slow Cooker Paleo Recipes for the Caveman Diet [Kindle Edition]
http://www.amazon.com/Cooker-Paleo-Recipes-Caveman-ebook/dp/B00B...
Pub 1/27/13
The author lost 100 pounds with the caveman paleolithic diet. What is the caveman diet? No, don't flinch, it's not another worthless weight loss plan. It's a diet plan for paleo food that isn't just about low calorie recipes. This paleo cookbook is chock full of recipes for healthy meals that actively promote healthy eating habits, but they're also slow-cooking recipes for convenience in a busy world. The caveman crockpot revolution is about listening to the primal nutrition needs of our millions of years of evolution while taking advantage of modern conveniences. Crockpot meals too often mean unhealthy eating patterns. This collection of slow cooker recipes is largely gluten-free but still innovative and resourceful. If you're tired of the same dull beef and veggies (though we have some of the best crockpot recipes for those, too), you'll find a little bit of everything in this collection -- literally from soup to nuts. Paleo adherents will know that some say paleo people can eat wild rice -- and that wine isn't off the diet. Paleo cookbook recipes aren't hard to find. What's hard to find are recipes that add variety to our lives. Nothing is more boring than a dull Neanderthal diet. These are not only great hunter-gatherer recipes, they're also some of the best crockpot recipes available.Since they're not the same old, boring fare, there are some extra work steps with a few of them, but most are pretty cut-and-dried for a hard-to-please family. So party with your family like it's 1999 BC. You will lose weight with this plan you will succeed. You're falling back on millions of years of the wisdom of the human species to support your efforts. If you thought paleo recipes reduced you to crappy-tasting bread and a future with no rice, think again! Paleo is a very adaptable plan. Here are some of the recipes within:* Chicken Vegetable and Nut Butter Soup
* Primal Vegetable Wild Rice Soup
* Easy Caveman Breakfast Torte
* Yowza Wayleo Paleo Nut Pot
* Crockpot Antelope Steak
* Chicken and Shrimp la Neanderthal
* Paleo Slow Cooker Squash with Cinnamon, Cranberries and Apples
* Barbecuus Neanderthalus and many more.So join the caveman diet evolution revolution. Cavemen ate many more things than we think! Paleo recipes and the Paleolithic diet plans don't have to be hum-drum any longer. These recipes for the paleo slow cooker nutrition plan constitute one way to build healthy meals around a busy lifestyle. The paleolithic diet lends itself well to the crockpot since the appliance harkens back to the campfire of our most ancient ancestors. Paleo cookbooks that involve the slow cooker in them allow the future and the past to wrap around and meet each other. No matter what we choose to call it the caveman diet, the paleo diet plan, the caveman paleolithic Stone Age diet or the hunter gatherer recipes, it doesn't have to be a hunger-gatherer diet! Satisfy your inner caveman with these fun and innovative recipes. If you're new to paleolithic, the good news is that hearty meat-eaters will love this diet. Weight loss plans and healthy meals used to mean green veggies and fruits plus a little lean meat but very little else. We now know a lot more about human physiology, about the capacity for people to incorporate foods humans have eaten for centuries, such as fatty meats, in a healthy eating way, so long as the meats are carefully chosen and prepared. But vegetarians are welcome, too. The emphasis is always on raw and unprocessed foods.This isn't just any other gluten free or low carbohydrate diet. It's a very special one that was designed to meet the evolved needs of our species. Recipes for healthy meals no longer need to filch food out of a rabbit's hutch. This paleo cookbook provides paleo breakfast recipes for the slow cooker, along with caveman approved complete meats, paleolithic ethnic recipes, and many more. We've tried to create the best paleo slowcooker cookbook that we can.
-----------------------------------------------The Addicted Brain: Why We Abuse Drugs, Alcohol, and Nicotine (FT Press Science) [Kindle Edition] 4.5 stars - 31 reviews
http://www.amazon.com/The-Addicted-Brain-Nicotine-ebook/dp/B005G...
Pub. 10/31/11Addiction destroys lives. In The Addicted Brain, leading neuroscientist Michael Kuhar, Ph.D., explains how and why this happensand presents advances in drug addiction treatment and prevention. Using breathtaking brain imagery and other research, Kuhar shows the powerful, long-term brain changes that drugs can cause, revealing why it can be so difficult for addicts to escape their grip. Discover why some people are far more susceptible to addiction than others as the author illuminates striking neural similarities between drugs and other pleasures potentially capable of causing abuse or addictionincluding alcohol, gambling, sex, caffeine, and even Internet overuse. Kuhar concludes by outlining the 12 characteristics most often associated with successful drug addiction treatment.Authoritative and easy to understand, The Addicted Brain offers todays most up-to-date scientific explanation of addictionand what addicts, their families, and society can do about it.-----------------------------------------Fight Now: Eat & Live Proactively Against Breast Cancer [Kindle Edition] 4.5 stars 19 reviews
http://www.amazon.com/Fight-Now-Proactively-Against-ebook/dp/B00...
Pub. 9/15/10Dr. Tabors FIGHT NOW book provides information on lifestyle choices that might improve breast health and overall health. The purpose of Dr. Tabors medical research is to empower you to become proactive against breast cancer now with specific food and lifestyle choices. We can make specific food and lifestyle choices to lower the risk of getting breast cancer, risk of recurrence, and risk of dying from breast cancer. The only alternative is to be reactive after you get breast cancer or have a recurrence of breast cancer. The choice is clearWhether you are currently fighting breast cancer; are a survivor; or, simply trying to lower your risk, Dr. Tabors FIGHT NOW book will give you concise, critical information that you can start using today. You dont have to read hundreds of pages, or have a medical degree to reduce your cancer risk. Spend just a few hours reading this book and you will be empowered to Fight Now.
================================================Keep Calm and Stretch: 44 Stretching Exercises To Increase Flexibility, Relieve Pain, Prevent Injury, And Stay Young! [Kindle Edition] 4.5 stars - 25 reviews
http://www.amazon.com/Keep-Calm-Stretch-Flexibility-ebook/dp/B00...
Pub. 11/13/12Now The #1 Bestselling Book In Physical Medicine and Rehabilitation!You Could Be Feeling A Million Times Better Right Now If You Only Knew How To Stretch Properly! It is a simple answer that is often overlooked, but stretching has the ability to Rid your body of pain
Heal past injuries
Prevent future injuries
Keep you flexible and active
And make you look and feel young!
As a yoga instructor, author Julie Schoen understands the power of stretching. In fact, she used it herself to heal her body after a serious car accident left her broken and depressed. But you don't have to do yoga in order to benefit from stretches! Schoen has compiled Keep Calm and Stretch as your guide to the 44 best stretches to do on a regular basis, each with photo demonstrations and step-by-step instructions for stretching effectively. Discover the secrets to getting more flexible and you will be amazed at how good your body and mind start to feel. Keep Calm and Stretch has the potential to change your life.
=====================================More coming later...and feel free to add!
Pay Off The House - Or Save Up for Next?
Added on : Wednesday March 27th 2013 02:01:05 PM
Hello folks, Looking for a bit of overall financial advice. I am currently in a situation where me and my fiancee are in a little bit of a bind. Yesterday we got our estimate appraisal from the district - and for some reason it plumetted from ~120k to ~108k. What. The. FERK. In a city where most homes are being raised up to their previous amounts from the bubble burst, ours is bursting into a 12% fall like we are still in it!! This house was mortgaged for approximately $130k originally for 5% fixed APR. Currently we have it down to ~$125k.Here is the situation: I don't like this area - I would never send my kids to school around here, and the general area/neighborhood is crap. It wasn't my choice since we had not met when she first got the house, and the mortgage is not in my name in any way. We both agree that we don't want to be here, hell - she even wants to move to a different city but that isn't possible until jobs are set in stone.After tax and all the other parts of the house bill, it runs ~$1100 a month. We can easily contribute 2x that and still remain below 30% of our money. Together before income taxes we make approx $130k.
So FWF: What is the best advice you can give me concerning these options:
1) Start Saving. Make near minimum payments on the mortgage to have a fat down payment for our next home. Having max cash can also help when selling the home.
2) Start Paying Off the Mortgage. We are easily able to pay 2x the monthly bill to eat away at the principle. This will also lower the interest much quicker.
3) Ignore. Live normally. The District Appraisal is Bull - and your house can very well sell for near the original price if you take care of it. Also, the low appraisal is worth the reduction in property tax (Texas).Final Questions:
Given this is supposed to be a HOUSING RECOVERY and my house is going down by large amounts, should I be worried or is it still possible to see an increase in value next year?
Given our APR is 5% - is it possible to go to my mortgage bank and ask to refinance at the lower (lowest?) rate of 3%? I get a lot of letters in the mail offering to re-fi for free with no BS. Of course, I still don't trust those, nevertheless I could just use them as leverage for my current bank to refinance maybe? Tips appreciated.
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Exploitable Anomaly in the Single Premium Life Insurance Market
Added on : Monday March 25th 2013 09:01:18 PM
Okay I've known about this for a very long time and I don't know why I haven't just come out and shared it with the FWF crowd this whole time.The AOR happy crowd on here is always looking for good safe yield that they drop short term money in right?What if I told you that I was aware of a way to put down unlimited quantities of capital on something safer than a money market account that depending on your age paid out 2-3% guaranteed after a year and likely to yield 4% after a couple of years and didn't have any yield curve risk(like a MMA and deposit account)? This product also has cash available on about 2-5 weeks notice(if you're smart on how you handle it likely 2 weeks).The low interest rate environment has created an anomaly in the single premium life insurance market. Interest crediting to permanent insurance policies is based on longer duration rates which are higher than short duration rates. There are numerous single premium products that back load their expenses allowing you to have a policy that turns positive almost immediately. You can abuse these vehicles as a short term place to drop cash and get higher yields than what you can get out of a deposit account. And this is all before taking into account that you also have a death benefit in case you pass away during the few years you're holding it.Basically the game works like this. Due to interest rate environment strong early cash value products are getting interest rates associated with long term fixed income. You take out one of them drop in your cash and either when you need the money in the future or when short term rates(deposit rates) move up high enough to close the gap you surrender the contract and take your money out.The counterintuitive part is that when you surrender assuming your under 59.5 you'll pay ordinary income taxes and 10% penalty *on the gain*. But if you were going to be putting money in a reward checking account, CD, etc. you would be paying ordinary income taxes anyway. Under this deal you get those deferred until surrender. So the key difference here is the 10% penalty, but since it only applies to earnings even after you apply account for that it's still a pretty good deal. If you're earning 3.5% on your money and surrender paying a 10% penalty the yield only drops from 3.5% to 3.15%. Still better than what you can get out of a normal deposit account. Furthermore unlike a deposit account the yield keeps on getting better year after year. If deposit rates stay low for a while that could result in some rather lucrative interest spreads over deposit rates.Also, unlike a medium term bond fund you have no yield curve risk. If rates rise the bond fund falls. Instead the insurance carrier retains the yield curve risk on it's own balance sheet just like a deposit account and money market account.For those of you asking 'Why don't I just take out policy loans instead of surrendering and paying taxes' the answer is that a single premium is practically guaranteed to be a MEC. That means that policy loans are still taxed as ordinary income. So since that is already baked in the smarter move is either surrender or combo of withdrawal and reduced death benefit. The small problem with the latter is that it becomes MECs are taxed on a LIFO basis which means that you would be withdrawing earnings first and basis would remain in the policy.For those asking 'Why don't you take out a policy that has a long enough pay period to no longer be a MEC so you can get tax free loans?' well those things A) don't turn positive right away so you're taking a risk that short interest rates will rise canceling out the anomaly before you've had a chance to capitalize on it and B) If you use policy loans you have to keep rather large chunk in the contract long term to keep it in force; that weds you to holding it over the long term and if that's the case most people would be better off holding fixed income inside of qualified account negating any perceived benefit.
Few notes:
1) Make sure you don't take any product with surrender charges because you might be in and out within a few years.
2) The standard hold up for a surrender is that most carriers delay it and inform the agent of your intent to surrender allowing him to try to 'rescue' the policy by convincing you to not surrender if he wants. You can have that agent waive his right to hold up the surrender by a couple weeks. I'm not positive that every carrier will accept this, but when taking out a policy having a letter signed by the agent waiving his right to hold of the surrender should make the time period to withdraw your funds much shorter.
3) Particularly among products very competitive in the short term the commissions on doing this are very low. Usually it's in the 2-4% of lump sum amount and nothing recurring. That is low for any advisor used to either a lot more up front or an AUM fee that is paid out annually. You might notice agents not particularly that excited about doing this.
4) Increasingly insurance carriers have been increasing their commission 'clawback' periods. That means that an agent could have almost all of his commission clawed back if you surrender within a couple years meaning he now owes the insurance carrier. You may want to weigh whether it's worth it to inform the agent of your likely surrender down the road. If you're not it's likely you wont be able to ask for the letter I mentioned in #2, and just be stuck calling him to expedite the surrender down the road. Maybe you can work out some other arrangement so he isn't worried about doing all this work for you only to have his small commission clawed back in a couple years.
So essentially we're talking about arbitraging the interest rate market through a permanent insurance product. You get the risks of very short duration fixed income(like a money market account) while getting the yields more indicative of longer duration fixed income. The anomaly wont last forever; when interest rates rise the anomaly disappears and you surrender and move your money to something higher yielding.
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Added on : Tuesday March 19th 2013 03:00:09 PM
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US Bank Cash+ Visa, No more 5% back on auto bill pay
Added on : Sunday March 17th 2013 07:01:04 PM
This is only for the Cash + Visa cardholders (I am a cardholder only after being clued in by this forum, so trying to give back a little)Just tried to set my categories for Q2 and noticed that bill pay is no longer a 5% category. Wireless bill is, but for my finances, that exes out State Farm Insurance, Cablevision, etc...Probably in the "too good to last" category, but getting 6.25% back on homeowners, auto and my term life policy was just incredible. I'm sure everyone's rates for insurance vary widely and State Farm may not be the best for everyone, but for me, it was about the same as most other insurers for all of my policies combined and the local "Jake from State Farm" agent is just phenomenal. So different from the "claims center" that I got transferred over to via phone tree through Liberty Mutual. Hope I won't have to find out how well they pay on the 20 year term life policy any time soon...This is just a heads up to anyone who wants to pre-pay some bills before 3/31. On my part, I pre-paid my homeowners, auto, umbrella policies. Switched everything else back to the good 'ol 2% for everything Fidelity AMEX.
Being offered a business partnership. Dream or nightmare?
Added on : Tuesday March 12th 2013 11:01:25 AM
My BF has been in the bowling industry his whole life, from his grandfather taking him weekly from the age of 3 to now as a manager of a center. He knows the industry inside and out. He can do everything from the back end to the front, including all the maintenance of the machines. His knowledge is extensive and completely comprehensive. He's been a PBA member for many years. He is no different than many people who would like to have their own business. Owning his own center is a dream. That might just happen for him.He's become good friends with a couple that own a center that had been closed for 3 years. They reopened it last fall. He and his wife are running the place themselves, basically rebuilding the business. They are both very overwhelmed. Over the weekend they proposed an offer to my BF to become a partner in the business. If the business was local to us, it would be a no-brainer, but it's several hours away. My BF's center is 95% shut down for the summer, so he is thinking of the following.He would work at their center several days/week over the summer (he has a place to stay while there). When the bowling season restarts in the fall, he would split time between their center and his. He doesn't want to give up his center at this point, in favor of going full time there due to the uncertainty factor. He wants to feel things out over the summer before any commitment. Their center has the potential to become a gold mine, but it's going to take time and a lot of work. A lot of things need to happen.There are also issues with the man's health. She wants to step out of the center and just work on promotion. I told her it's imperative that they incorporate or LLC, as all the paper is in her name. They want 10K for him to buy in. My biggest concerns are as follows. What happens if they split up? What happens if his health fails more and he dies? What will become of the center and his investment?My BF can realize a huge dream here, but I'm cautious to say the least. He will be working for peanuts for a long time. I don't want to see him throw himself into this and devote time, money and energy, just to see it all go to pot. I told him he needs a contract, but I really don't know what the contract should contain.We could use some suggestions here as to how to proceed.
I signed a contract for construction of a new home with a developer in a new community. I put 15k deposit (premium included for oversized lot). Within 24 hrs of doing so, sales agent calls to cancel/change contract because the model I chose to build cannot be done on that lot. Developer has an agreement with city where homes built next to each other may not be the same model.The alternatives I am given are not of my liking - honestly. The lots are farther away from where i want to be and 250 sf smaller, for the same price. I was really flabbergasted to get such call because I was told I couldn't back out, except if mortgage falls through. I called a friend of mind, who is an attorney for advise, but he is un-reachable.I understood the document I signed to be a binding contract. Agent said document was not sent to developer, therefore i am SOOL. Is this legal in the state of FL?! Do I have any recourse or leeway for re-negotiation?Thanks in advance
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Added on : Sunday March 10th 2013 10:00:42 AM
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Read it to your children or let them read it on their own.Remember When (Remember Trilogy, Bk 1)Pub. 12/29/12"Hysterical! Made me want to break out a can of Aqua Net and hit the Jersey shore. Loved the characters and their sweet and steamy love story. You'll find yourself rooting for Layla and dreaming about Trip for years to come."
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Ever wonder how often Brad Pitt's high school girlfriend must ponder jumping off a bridge? Ever think about the girl that had her hooks in George Clooney before he took off for TV stardom? How about Leonardo DiCaprio's ex, or Johnny Depp's first groupie, or any number of young women who got left behind when their boyfriends set off for greener pastures and eventually achieved unfathomable Hollywood fame? My name is Layla Warren and I don't need to wonder about any of those things. I already know. Because years before Trip Wiley could be seen on movie screens all over the world, he could be seen sitting in the desk behind me in my high school English class. This was back in 1990, and I cite the year only to avoid dumbfounding you when references to big hair or stretch pants are mentioned. Although, come to think of it, I am from New Jersey, which may serve as explanation enough. We were teenagers then, way back in a time before anyone, himself included, could even dream he'd turn into the Hollywood commodity that he is today. I'm sure I don't need to tell you who Trip Wiley is. But on the off chance you've been living under a rock for the past decade, just know that these days, he's the bad boy actor found at the top of every casting director's wish list. He's incredibly talented and insanely gorgeous, the combination of which has made him very rich, very famous and very desirable. And not just to casting directors, either.I can't confirm any of the gossip from his early years out in Tinseltown, but based on what I knew of his life before he was famous, I can tell you that the idea of Girls-Throwing-Themselves-At-Trip is not a new concept. I should know. I was one of them. And my life hasn't been the same since.
Memoto camera - preorder for $279 - photograph your life.
Added on : Sunday March 10th 2013 10:00:02 AM
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Missed EIC by $500 for last year .. ways to reduce gross for 2012
Added on : Sunday March 10th 2013 06:00:59 AM
Basically the kids went off xwifes insurance on to mine. This upped her gross to about $500 above EIC so she missed a big deduction. I find this out two days ago. I start thinking ive read about funding a IRA or something during this current year but having it applied to last years income. I also start thinking i have access to some of the smartest ppl on the earth right here in the fiance forum.
So anybody know the direction i should point her in. She has already done her taxes this year so she will have to refile but we do have quite a bit of time before april 15.
Yes shes my xwife ... yes she should stand on her own two feet ... but very often she does stuff without asking me and it turns out bad for her. Like buying an expensive printer that uses expensive ink instead of the cheap ink printer like i got from reading about it in hot deals. PS we are going thru family court right now about money. So if you guys can help me i can kill two birds with one stone. Shes happy with me for helping her get more money back and shes on paper making more more money than me. Yes she makes wayyyy more than me but wants 29% of my gross. Thanks for any help ....
Advice Needed: I Want to Buy The Condo I'm Renting
Added on : Saturday March 09th 2013 08:01:01 PM
I've been renting a condo for 10 years. The owner met with me and asked if I would be interested in purchasing it. I am. I'll be a first-time buyer. I will have 20% to put as a down payment, but will need to finance the rest. I don't think I'll have any problems qualifying.The owner wants to have someone come through and assess the property so we can determine a price. We both have compiled our own lists of comps in the area. However, the comps generally are upgraded and improved units. This condo was built in the mid-80s and the landlord has never made any updates or done regular maintenance on it (she's an older lady). If it breaks, it gets fixed, but there has never been any proactive maintenance done. I've lived here 10 years and the carpets/flooring/cabinets/counter tops all need replacing (the counter tops/cabinets are original from when the condo was built). The hot water heater was replaced shortly after I moved in 10 years ago. I will absolutely get an inspection done, and will probably get specialists in to assess for mold and termites (which can be problems in this area).The HOA fees are relatively high, but it's run by a professional company and they have not asked the residents for any special assessments that I am aware of (at least going back 4 or 5 years). I plan to, of course, go over their financial books and meeting minutes. The HOA fee includes water, garbage pick up, sewer, landscaping, use of private rec center/clubhouse. The roofs in the complex were replaced 1 - 2 years ago. By my calculations I would probably spend a couple hundred less in mortgage payments + taxes + HOA than I presently do in rent (I'm making an educated guess at the price we'll agree to).Anyway the real question.... she has indicated that she would prefer using a real estate attorney rather than a realtor. I've don